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Commitments and Contingencies | 12 Months Ended
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Dec. 31, 2018
Commitments and Contingencies [Abstract] |
Commitments and Contingencies | Note 18. Commitments and Contingencies ﻿ Credit Related ﻿ In the normal course of business, the Bank enters into financial instruments, such as commitments to extend credit and letters of credit, to meet the financing needs of its customers. Such instruments are not reflected in the accompanying consolidated financial statements until they are funded, although they expose the Bank to varying degrees of credit risk and interest rate risk in much the same way as funded loans. ﻿ Commitments to extend credit include revolving commercial credit lines, nonrevolving loan commitments issued mainly to finance the acquisition and development or construction of real property or equipment, and credit card and personal credit lines. The availability of funds under commercial credit lines and loan commitments generally depends on whether the borrower continues to meet credit standards established in the underlying contract and has not violated other contractual conditions. Loan commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee by the borrower. Credit card and personal credit lines are generally subject to cancellation if the borrower’s credit quality deteriorates. A number of commercial and personal credit lines are used only partially or, in some cases, not at all before they expire, and the total commitment amounts do not necessarily represent future cash requirements of the Company. ﻿ A substantial majority of the letters of credit are standby agreements that obligate the Bank to fulfill a customer’s financial commitments to a third party if the customer is unable to perform. The Bank issues standby letters of credit primarily to provide credit enhancement to its customers’ other commercial or public financing arrangements and to help them demonstrate financial capacity to vendors of essential goods and services. ﻿ The contract amounts of these instruments reflect the Company’s exposure to credit risk. The Company undertakes the same credit evaluation in making loan commitments and assuming conditional obligations as it does for on-balance sheet instruments and may require collateral or other credit support. These off-balance sheet financial instruments are summarized below: ﻿ ﻿
﻿ |  |  |  |  |  |
﻿ |  |  |  |  |  |
﻿ |  | December 31,
﻿(in thousands) |  | 2018 |  | 2017
﻿Commitments to extend credit |  | $ | 7,234,528 |  | $ | 6,689,033
﻿Letters of credit |  |  | 365,498 |  |  | 348,377
﻿ Legal Proceedings ﻿ The Company is party to various legal proceedings arising in the ordinary course of business. Management does not believe that loss contingencies, if any, arising from pending litigation and regulatory matters will have a material adverse effect on the consolidated financial position or liquidity of the Company. ﻿ Lease Commitments ﻿ The Company currently is obligated under a number of non-cancelable operating leases for buildings and equipment. Certain of these leases have escalation clauses and renewal options. Future minimum lease payments for non-cancelable operating leases with initial terms in excess of one year were as follows at December 31, 201 8: ﻿ ﻿
﻿ |  |  |
﻿ |  |  |
﻿(in thousands) |  | Operating Leases
﻿2019 |  | $ | 18,476
﻿2020 |  |  | 17,059
﻿2021 |  |  | 15,780
﻿2022 |  |  | 15,506
﻿2023 |  |  | 14,373
﻿Thereafter |  |  | 101,402
﻿Total minimum lease payments |  | $ | 182,596
﻿ Rental expense approxim ated $18.2 million, $17.0 million and $11.7 million for the y ears ended December 31, 201 8, 201 7, and 201 6, respectively.

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- Definition The entire disclosure for commitments and contingencies. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 450 -URI http://asc.fasb.org/topic&trid=2127136 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 440 -URI http://asc.fasb.org/topic&trid=2144648 + Details
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