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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2021
Accounts Notes And Loans Receivable [Line Items] |
Loans, Net of Unearned Income | The following table presents loans, net of unearned income, by portfolio class at September 30, 2021 and December 31, 2020.
|  | September 30, |  |  | December 31, |
(in thousands) |  | 2021 |  |  | 2020 |
Commercial non-real estate |  | $ | 9,416,990 |  |  | $ | 9,986,983 |
Commercial real estate - owner occupied |  |  | 2,812,926 |  |  |  | 2,857,445 |
Total commercial and industrial |  |  | 12,229,916 |  |  |  | 12,844,428 |
Commercial real estate - income producing |  |  | 3,467,939 |  |  |  | 3,357,939 |
Construction and land development |  |  | 1,213,991 |  |  |  | 1,065,057 |
Residential mortgages |  |  | 2,351,053 |  |  |  | 2,665,212 |
Consumer |  |  | 1,623,116 |  |  |  | 1,857,295 |
Total loans |  | $ | 20,886,015 |  |  | $ | 21,789,931 |
Allowance for Credit Losses by Portfolio Class | The following tables present activity in the allowance for credit losses (ACL) by portfolio class for the nine months ended September 30, 2021 and 2020, as well as the corresponding recorded investment in loans at the end of each period. Effective January 1, 2020, the Company adopted the provisions of Accounting Standards Codification (ASC) 326, “Financial Instruments – Credit Losses,” using a modified retrospective basis. ASC 326, commonly referred to as CECL, prescribed a change in computing allowance for credit losses from an incurred methodology to a life of loan methodology. The difference between the December 31, 2019 incurred allowance and the CECL allowance is reflected as a cumulative effect of change in accounting principle in the ACL activity for the nine months ended September 30, 2020.
|  |  |  |  |  | Commercial |  |  | Total |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | real estate- |  |  | commercial |  |  | real estate- |  |  | Construction |  |  |  |  |  |  |  |  |  |  |  |  |
|  | non-real |  |  | owner |  |  | and |  |  | income |  |  | and land |  |  | Residential |  |  |  |  |  |  |  |  |
(in thousands) |  | estate |  |  | occupied |  |  | industrial |  |  | producing |  |  | development |  |  | mortgages |  |  | Consumer |  |  | Total |
|  | Nine Months Ended September 30, 2021 |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 149,693 |  |  | $ | 69,134 |  |  | $ | 218,827 |  |  | $ | 109,474 |  |  | $ | 26,462 |  |  | $ | 48,842 |  |  | $ | 46,572 |  |  | $ | 450,177 |
Charge-offs |  |  | (32,369 | ) |  |  | (1,722 | ) |  |  | (34,091 | ) |  |  | (231 | ) |  |  | (267 | ) |  |  | (218 | ) |  |  | (9,874 | ) |  |  | (44,681 | )
Recoveries |  |  | 6,579 |  |  |  | 363 |  |  |  | 6,942 |  |  |  | 100 |  |  |  | 1,548 |  |  |  | 933 |  |  |  | 4,636 |  |  |  | 14,159 |
Net provision for loan losses |  |  | (17,594 | ) |  |  | (10,642 | ) |  |  | (28,236 | ) |  |  | 11,752 |  |  |  | (5,167 | ) |  |  | (18,484 | ) |  |  | (7,999 | ) |  |  | (48,134 | )
Ending balance - allowance for loan losses |  | $ | 106,309 |  |  | $ | 57,133 |  |  | $ | 163,442 |  |  | $ | 121,095 |  |  | $ | 22,576 |  |  | $ | 31,073 |  |  | $ | 33,335 |  |  | $ | 371,521 |
Reserve for unfunded lending commitments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,529 |  |  | $ | 381 |  |  | $ | 4,910 |  |  | $ | 1,099 |  |  | $ | 22,694 |  |  | $ | 19 |  |  | $ | 1,185 |  |  | $ | 29,907 |
Provision for losses on unfunded commitments |  |  | (176 | ) |  |  | (131 | ) |  |  | (307 | ) |  |  | 124 |  |  |  | (383 | ) |  |  | (8 | ) |  |  | (387 | ) |  |  | (961 | )
Ending balance - reserve for unfunded lending commitments |  |  | 4,353 |  |  |  | 250 |  |  |  | 4,603 |  |  |  | 1,223 |  |  |  | 22,311 |  |  |  | 11 |  |  |  | 798 |  |  |  | 28,946 |
Total allowance for credit losses |  | $ | 110,662 |  |  | $ | 57,383 |  |  | $ | 168,045 |  |  | $ | 122,318 |  |  | $ | 44,887 |  |  | $ | 31,084 |  |  | $ | 34,133 |  |  | $ | 400,467 |
Allowance for loan losses: |  |  |
Individually evaluated |  | $ | 113 |  |  | $ | 33 |  |  | $ | 146 |  |  | $ | 20 |  |  | $ | 20 |  |  | $ | 447 |  |  | $ | 202 |  |  | $ | 835 |
Collectively evaluated |  |  | 106,196 |  |  |  | 57,100 |  |  |  | 163,296 |  |  |  | 121,075 |  |  |  | 22,556 |  |  |  | 30,626 |  |  |  | 33,133 |  |  |  | 370,686 |
Allowance for loan losses |  | $ | 106,309 |  |  | $ | 57,133 |  |  | $ | 163,442 |  |  | $ | 121,095 |  |  | $ | 22,576 |  |  | $ | 31,073 |  |  | $ | 33,335 |  |  | $ | 371,521 |
Reserve for unfunded lending commitments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated |  |  | 4,353 |  |  |  | 250 |  |  |  | 4,603 |  |  |  | 1,223 |  |  |  | 22,311 |  |  |  | 11 |  |  |  | 798 |  |  |  | 28,946 |
Reserve for unfunded lending commitments: |  | $ | 4,353 |  |  | $ | 250 |  |  | $ | 4,603 |  |  | $ | 1,223 |  |  | $ | 22,311 |  |  | $ | 11 |  |  | $ | 798 |  |  | $ | 28,946 |
Total allowance for credit losses |  | $ | 110,662 |  |  | $ | 57,383 |  |  | $ | 168,045 |  |  | $ | 122,318 |  |  | $ | 44,887 |  |  | $ | 31,084 |  |  | $ | 34,133 |  |  | $ | 400,467 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 5,929 |  |  | $ | 5,618 |  |  | $ | 11,547 |  |  | $ | 4,004 |  |  | $ | 127 |  |  | $ | 5,083 |  |  | $ | 1,315 |  |  | $ | 22,076 |
Collectively evaluated |  |  | 9,411,061 |  |  |  | 2,807,308 |  |  |  | 12,218,369 |  |  |  | 3,463,935 |  |  |  | 1,213,864 |  |  |  | 2,345,970 |  |  |  | 1,621,801 |  |  |  | 20,863,939 |
Total loans |  | $ | 9,416,990 |  |  | $ | 2,812,926 |  |  | $ | 12,229,916 |  |  | $ | 3,467,939 |  |  | $ | 1,213,991 |  |  | $ | 2,351,053 |  |  | $ | 1,623,116 |  |  | $ | 20,886,015 |
|  |  |  |  |  | Commercial |  |  | Total |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  |  | real estate- |  |  | commercial |  |  | real estate- |  |  | Construction |  |  |  |  |  |  |  |  |  |  |  |  |
|  | non-real |  |  | owner |  |  | and |  |  | income |  |  | and land |  |  | Residential |  |  |  |  |  |  |  |  |
(in thousands) |  | estate |  |  | occupied |  |  | industrial |  |  | producing |  |  | development |  |  | mortgages |  |  | Consumer |  |  | Total |
|  | Nine Months Ended September 30, 2020 |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 106,432 |  |  | $ | 10,977 |  |  | $ | 117,409 |  |  | $ | 20,869 |  |  | $ | 9,350 |  |  | $ | 20,331 |  |  | $ | 23,292 |  |  | $ | 191,251 |
Cumulative effect of change in accounting principle |  |  | (244 | ) |  |  | 14,877 |  |  |  | 14,633 |  |  |  | 7,287 |  |  |  | 7,478 |  |  |  | 12,921 |  |  |  | 7,092 |  |  |  | 49,411 |
Charge-offs |  |  | (364,123 | ) |  |  | (1,828 | ) |  |  | (365,951 | ) |  |  | (2,211 | ) |  |  | (7 | ) |  |  | (170 | ) |  |  | (13,640 | ) |  |  | (381,979 | )
Recoveries |  |  | 4,831 |  |  |  | 659 |  |  |  | 5,490 |  |  |  | 46 |  |  |  | 549 |  |  |  | 1,078 |  |  |  | 4,360 |  |  |  | 11,523 |
Net provision for loan losses |  |  | 401,155 |  |  |  | 41,336 |  |  |  | 442,491 |  |  |  | 78,661 |  |  |  | 12,325 |  |  |  | 17,613 |  |  |  | 27,378 |  |  |  | 578,468 |
Ending balance - allowance for loan losses |  | $ | 148,051 |  |  | $ | 66,021 |  |  | $ | 214,072 |  |  | $ | 104,652 |  |  | $ | 29,695 |  |  | $ | 51,773 |  |  | $ | 48,482 |  |  | $ | 448,674 |
Reserve for unfunded lending commitments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,974 |  |  | $ | — |  |  | $ | 3,974 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,974 |
Cumulative effect of change in accounting principle |  |  | 5,772 |  |  |  | 288 |  |  |  | 6,060 |  |  |  | 449 |  |  |  | 15,658 |  |  |  | 17 |  |  |  | 5,146 |  |  |  | 27,330 |
Provision for losses on unfunded commitments |  |  | (3,786 | ) |  |  | 187 |  |  |  | (3,599 | ) |  |  | 1,599 |  |  |  | 6,046 |  |  |  | (11 | ) |  |  | (3,813 | ) |  |  | 222 |
Ending balance - reserve for unfunded lending commitments |  |  | 5,960 |  |  |  | 475 |  |  |  | 6,435 |  |  |  | 2,048 |  |  |  | 21,704 |  |  |  | 6 |  |  |  | 1,333 |  |  |  | 31,526 |
Total allowance for credit losses |  | $ | 154,011 |  |  | $ | 66,496 |  |  | $ | 220,507 |  |  | $ | 106,700 |  |  | $ | 51,399 |  |  | $ | 51,779 |  |  | $ | 49,815 |  |  | $ | 480,200 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 27,304 |  |  | $ | 1,344 |  |  | $ | 28,648 |  |  | $ | 24 |  |  | $ | 169 |  |  | $ | 416 |  |  | $ | 456 |  |  | $ | 29,713 |
Collectively evaluated for impairment |  |  | 120,747 |  |  |  | 64,677 |  |  |  | 185,424 |  |  |  | 104,628 |  |  |  | 29,526 |  |  |  | 51,357 |  |  |  | 48,026 |  |  |  | 418,961 |
Allowance for loan losses |  | $ | 148,051 |  |  | $ | 66,021 |  |  | $ | 214,072 |  |  | $ | 104,652 |  |  | $ | 29,695 |  |  | $ | 51,773 |  |  | $ | 48,482 |  |  | $ | 448,674 |
Reserve for unfunded lending commitments: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated |  | $ | 992 |  |  | $ | — |  |  | $ | 992 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | 997 |
Collectively evaluated |  |  | 4,968 |  |  |  | 475 |  |  |  | 5,443 |  |  |  | 2,048 |  |  |  | 21,704 |  |  |  | 6 |  |  |  | 1,328 |  |  |  | 30,529 |
Reserve for unfunded lending commitments: |  |  | 5,960 |  |  |  | 475 |  |  |  | 6,435 |  |  |  | 2,048 |  |  |  | 21,704 |  |  |  | 6 |  |  |  | 1,333 |  |  |  | 31,526 |
Total allowance for credit losses |  | $ | 154,011 |  |  | $ | 66,496 |  |  | $ | 220,507 |  |  | $ | 106,700 |  |  | $ | 51,399 |  |  | $ | 51,779 |  |  | $ | 49,815 |  |  | $ | 480,200 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 73,139 |  |  | $ | 11,124 |  |  | $ | 84,263 |  |  | $ | 5,549 |  |  | $ | 1,837 |  |  | $ | 6,064 |  |  | $ | 3,924 |  |  | $ | 101,637 |
Collectively evaluated for impairment |  |  | 10,184,649 |  |  |  | 2,768,283 |  |  |  | 12,952,932 |  |  |  | 3,401,005 |  |  |  | 1,094,312 |  |  |  | 2,748,324 |  |  |  | 1,941,994 |  |  |  | 22,138,567 |
Total loans |  | $ | 10,257,788 |  |  | $ | 2,779,407 |  |  | $ | 13,037,195 |  |  | $ | 3,406,554 |  |  | $ | 1,096,149 |  |  | $ | 2,754,388 |  |  | $ | 1,945,918 |  |  | $ | 22,240,204 |
Composition of Nonaccrual Loans and Without an Allowance for Loan Loss by Portfolio Class | The following table shows the composition of nonaccrual loans and those without an allowance for loan loss, by portfolio class.
|  |  | September 30, |  |  |  | December 31, |
|  | 2021 |  |  |  | 2020 |
(in thousands) |  |  | Total nonaccrual |  |  |  | Nonaccrual without allowance for loan loss |  |  |  | Total nonaccrual |  |  |  | Nonaccrual without allowance for loan loss |
Commercial non-real estate |  | $ |  | 9,948 |  |  | $ |  | 5,449 |  |  | $ |  | 52,836 |  |  | $ |  | 15,268 |
Commercial real estate - owner occupied |  |  |  | 6,720 |  |  |  |  | 5,379 |  |  |  |  | 13,856 |  |  |  |  | 7,038 |
Total commercial and industrial |  |  |  | 16,668 |  |  |  |  | 10,828 |  |  |  |  | 66,692 |  |  |  |  | 22,306 |
Commercial real estate - income producing |  |  |  | 4,249 |  |  |  |  | 3,922 |  |  |  |  | 6,743 |  |  |  |  | — |
Construction and land development |  |  |  | 1,238 |  |  |  |  | — |  |  |  |  | 2,486 |  |  |  |  | 1,116 |
Residential mortgages |  |  |  | 25,964 |  |  |  |  | 1,598 |  |  |  |  | 40,573 |  |  |  |  | 1,705 |
Consumer |  |  |  | 12,238 |  |  |  |  | 250 |  |  |  |  | 23,385 |  |  |  |  | — |
Total loans |  | $ |  | 60,357 |  |  | $ |  | 16,598 |  |  | $ |  | 139,879 |  |  | $ |  | 25,127 |
Troubled Debt Restructurings Modified by Portfolio Class | The tables below detail by portfolio class TDRs that were modified during the three and nine months ended September 30, 2021 and 2020. All such loans are individually evaluated for credit loss.
|  | Three Months Ended |
($ in thousands) |  | September 30, 2021 |  |  | September 30, 2020 |
Troubled Debt Restructurings: |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial non-real estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial real estate - owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate - income producing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction and land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential mortgages |  |  | 1 |  |  |  | 196 |  |  |  | 196 |  |  |  | 5 |  |  |  | 1,358 |  |  |  | 1,358 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 25 |  |  |  | 25 |
Total loans |  |  | 1 |  |  | $ | 196 |  |  | $ | 196 |  |  |  | 7 |  |  | $ | 1,383 |  |  | $ | 1,383 |
|  | Nine Months Ended |
($ in thousands) |  | September 30, 2021 |  |  | September 30, 2020 |
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |  |  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
|  | Number |  |  | Outstanding |  |  | Outstanding |  |  | Number |  |  | Outstanding |  |  | Outstanding |
|  | of |  |  | Recorded |  |  | Recorded |  |  | of |  |  | Recorded |  |  | Recorded |
Troubled Debt Restructurings: |  | Contracts |  |  | Investment |  |  | Investment |  |  | Contracts |  |  | Investment |  |  | Investment |
Commercial non-real estate |  |  | 3 |  |  | $ | 6,935 |  |  | $ | 6,935 |  |  |  | 3 |  |  | $ | 745 |  |  | $ | 745 |
Commercial real estate - owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total commercial and industrial |  |  | 3 |  |  |  | 6,935 |  |  |  | 6,935 |  |  |  | 3 |  |  |  | 745 |  |  |  | 745 |
Commercial real estate - income producing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction and land development |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 15 |  |  |  | 15 |
Residential mortgages |  |  | 3 |  |  |  | 515 |  |  |  | 538 |  |  |  | 14 |  |  |  | 3,424 |  |  |  | 3,424 |
Consumer |  |  | 4 |  |  |  | 86 |  |  |  | 86 |  |  |  | 7 |  |  |  | 89 |  |  |  | 89 |
Total loans |  |  | 10 |  |  | $ | 7,536 |  |  | $ | 7,559 |  |  |  | 25 |  |  | $ | 4,273 |  |  | $ | 4,273 |
Aging Analysis of Past Due Loans by Portfolio Class | The tables below present the aging analysis of past due loans by portfolio class at September 30, 2021 and December 31, 2020.
September 30, 2021 |  | 30-59 days past due |  |  | 60-89 days past due |  |  | Greater than 90 days past due |  |  | Total past due |  |  | Current |  |  | Total Loans |  |  | Recorded investment > 90 days and still accruing |
(in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial non-real estate |  | $ | 5,623 |  |  | $ | 2,100 |  |  | $ | 14,568 |  |  | $ | 22,291 |  |  | $ | 9,394,699 |  |  | $ | 9,416,990 |  |  | $ | 7,228 |
Commercial real estate - owner occupied |  |  | 5,761 |  |  |  | 762 |  |  |  | 1,548 |  |  |  | 8,071 |  |  |  | 2,804,855 |  |  |  | 2,812,926 |  |  |  | 142 |
Total commercial and industrial |  |  | 11,384 |  |  |  | 2,862 |  |  |  | 16,116 |  |  |  | 30,362 |  |  |  | 12,199,554 |  |  |  | 12,229,916 |  |  |  | 7,370 |
Commercial real estate - income producing |  |  | 1,175 |  |  |  | 1,474 |  |  |  | 5,441 |  |  |  | 8,090 |  |  |  | 3,459,849 |  |  |  | 3,467,939 |  |  |  | 1,346 |
Construction and land development |  |  | 369 |  |  |  | 733 |  |  |  | 1,035 |  |  |  | 2,137 |  |  |  | 1,211,854 |  |  |  | 1,213,991 |  |  |  | 57 |
Residential mortgages |  |  | 3,799 |  |  |  | 5,579 |  |  |  | 17,567 |  |  |  | 26,945 |  |  |  | 2,324,108 |  |  |  | 2,351,053 |  |  |  | 254 |
Consumer |  |  | 13,750 |  |  |  | 3,108 |  |  |  | 7,331 |  |  |  | 24,189 |  |  |  | 1,598,927 |  |  |  | 1,623,116 |  |  |  | 943 |
Total |  | $ | 30,477 |  |  | $ | 13,756 |  |  | $ | 47,490 |  |  | $ | 91,723 |  |  | $ | 20,794,292 |  |  | $ | 20,886,015 |  |  | $ | 9,970 |
December 31, 2020 |  | 30-59 days past due |  |  | 60-89 days past due |  |  | Greater than 90 days past due |  |  | Total past due |  |  | Current |  |  | Total Loans |  |  | Recorded investment > 90 days and still accruing |
(in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial non-real estate |  | $ | 7,963 |  |  | $ | 2,564 |  |  | $ | 39,530 |  |  | $ | 50,057 |  |  | $ | 9,936,926 |  |  | $ | 9,986,983 |  |  | $ | 583 |
Commercial real estate - owner occupied |  |  | 1,525 |  |  |  | 753 |  |  |  | 13,663 |  |  |  | 15,941 |  |  |  | 2,841,504 |  |  |  | 2,857,445 |  |  |  | 955 |
Total commercial and industrial |  |  | 9,488 |  |  |  | 3,317 |  |  |  | 53,193 |  |  |  | 65,998 |  |  |  | 12,778,430 |  |  |  | 12,844,428 |  |  |  | 1,538 |
Commercial real estate - income producing |  |  | 1,494 |  |  |  | 798 |  |  |  | 5,744 |  |  |  | 8,036 |  |  |  | 3,349,903 |  |  |  | 3,357,939 |  |  |  | 182 |
Construction and land development |  |  | 4,168 |  |  |  | 284 |  |  |  | 2,001 |  |  |  | 6,453 |  |  |  | 1,058,604 |  |  |  | 1,065,057 |  |  |  | — |
Residential mortgages |  |  | 29,319 |  |  |  | 9,858 |  |  |  | 27,886 |  |  |  | 67,063 |  |  |  | 2,598,149 |  |  |  | 2,665,212 |  |  |  | 912 |
Consumer |  |  | 12,215 |  |  |  | 5,012 |  |  |  | 11,714 |  |  |  | 28,941 |  |  |  | 1,828,354 |  |  |  | 1,857,295 |  |  |  | 729 |
Total |  | $ | 56,684 |  |  | $ | 19,269 |  |  | $ | 100,538 |  |  | $ | 176,491 |  |  | $ | 21,613,440 |  |  | $ | 21,789,931 |  |  | $ | 3,361 |
Credit Quality Indicators by Segment and Portfolio Class | The following table presents credit quality disclosures of amortized cost by segment and vintage for term loans and by revolving and revolving converted to amortizing at September 30, 2021. The Company defines vintage as the later of origination, renewal or restructure date.
| Term Loans |  |  |  |  |  |  |  |  |  |  |
| Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |
|  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | Prior |  |  | Revolving Loans |  |  | Revolving Loans Converted to Term Loans |  |  | Total |
Commercial Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,916,476 |  |  | $ | 3,333,009 |  |  | $ | 2,308,701 |  |  | $ | 1,374,599 |  |  | $ | 1,105,917 |  |  | $ | 1,520,061 |  |  | $ | 2,582,321 |  |  | $ | 105,856 |  |  | $ | 16,246,940 |
Pass-Watch |  |  | 40,835 |  |  |  | 59,789 |  |  |  | 71,484 |  |  |  | 31,238 |  |  |  | 22,528 |  |  |  | 82,569 |  |  |  | 47,600 |  |  |  | 15,253 |  |  |  | 371,296 |
Special Mention |  |  | 15,346 |  |  |  | 3,105 |  |  |  | 6,857 |  |  |  | 11,061 |  |  |  | 19,648 |  |  |  | 8,613 |  |  |  | 11,841 |  |  |  | 1,296 |  |  |  | 77,767 |
Substandard |  |  | 26,982 |  |  |  | 51,212 |  |  |  | 38,745 |  |  |  | 17,302 |  |  |  | 27,220 |  |  |  | 22,332 |  |  |  | 25,384 |  |  |  | 6,666 |  |  |  | 215,843 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Commercial Loans |  | $ | 3,999,639 |  |  | $ | 3,447,115 |  |  | $ | 2,425,787 |  |  | $ | 1,434,200 |  |  | $ | 1,175,313 |  |  | $ | 1,633,575 |  |  | $ | 2,667,146 |  |  | $ | 129,071 |  |  | $ | 16,911,846 |
Residential Mortgage and Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 330,316 |  |  | $ | 461,269 |  |  | $ | 401,774 |  |  | $ | 265,787 |  |  | $ | 367,106 |  |  | $ | 973,576 |  |  | $ | 1,128,048 |  |  | $ | 5,619 |  |  | $ | 3,933,495 |
Nonperforming |  |  | 433 |  |  |  | 1,101 |  |  |  | 1,902 |  |  |  | 3,599 |  |  |  | 5,614 |  |  |  | 25,114 |  |  |  | 1,424 |  |  |  | 1,487 |  |  |  | 40,674 |
Total Consumer Loans |  | $ | 330,749 |  |  | $ | 462,370 |  |  | $ | 403,676 |  |  | $ | 269,386 |  |  | $ | 372,720 |  |  | $ | 998,690 |  |  | $ | 1,129,472 |  |  | $ | 7,106 |  |  | $ | 3,974,169 |
Total Commercial [Member] |
Accounts Notes And Loans Receivable [Line Items] |
Credit Quality Indicators by Segment and Portfolio Class | The following tables present the credit quality indicators by segment and portfolio class of loans held for investment at September 30, 2021 and December 31, 2020. The Company routinely assesses the ratings of loans in its portfolio through an established and comprehensive portfolio management process. In addition, the Company often examines portfolios of loans to determine if there are areas of risk not specifically identified in its loan by loan approach.
|  | September 30, 2021 |
(in thousands) |  | Commercial non-real estate |  |  | Commercial real estate - owner- occupied |  |  | Total commercial and industrial |  |  | Commercial real estate - income producing |  |  | Construction and land development |  |  | Total commercial |
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 9,032,981 |  |  | $ | 2,659,738 |  |  | $ | 11,692,719 |  |  | $ | 3,363,503 |  |  | $ | 1,190,718 |  |  | $ | 16,246,940 |
Pass-Watch |  |  | 204,260 |  |  |  | 68,660 |  |  |  | 272,920 |  |  |  | 79,328 |  |  |  | 19,048 |  |  |  | 371,296 |
Special Mention |  |  | 46,263 |  |  |  | 24,878 |  |  |  | 71,141 |  |  |  | 4,739 |  |  |  | 1,887 |  |  |  | 77,767 |
Substandard |  |  | 133,486 |  |  |  | 59,650 |  |  |  | 193,136 |  |  |  | 20,369 |  |  |  | 2,338 |  |  |  | 215,843 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 9,416,990 |  |  | $ | 2,812,926 |  |  | $ | 12,229,916 |  |  | $ | 3,467,939 |  |  | $ | 1,213,991 |  |  | $ | 16,911,846 |
|  | December 31, 2020 |
(in thousands) |  | Commercial non-real estate |  |  | Commercial real estate - owner- occupied |  |  | Total commercial and industrial |  |  | Commercial real estate - income producing |  |  | Construction and land development |  |  | Total commercial |
Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 9,439,264 |  |  | $ | 2,641,423 |  |  | $ | 12,080,687 |  |  | $ | 3,219,155 |  |  | $ | 1,033,060 |  |  | $ | 16,332,902 |
Pass-Watch |  |  | 314,739 |  |  |  | 114,358 |  |  |  | 429,097 |  |  |  | 89,968 |  |  |  | 22,820 |  |  |  | 541,885 |
Special Mention |  |  | 79,613 |  |  |  | 46,239 |  |  |  | 125,852 |  |  |  | 5,989 |  |  |  | 5,751 |  |  |  | 137,592 |
Substandard |  |  | 153,367 |  |  |  | 55,425 |  |  |  | 208,792 |  |  |  | 42,827 |  |  |  | 3,426 |  |  |  | 255,045 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 9,986,983 |  |  | $ | 2,857,445 |  |  | $ | 12,844,428 |  |  | $ | 3,357,939 |  |  | $ | 1,065,057 |  |  | $ | 17,267,424 |
Residential Mortgage and Consumer [Member] |
Accounts Notes And Loans Receivable [Line Items] |
Credit Quality Indicators by Segment and Portfolio Class |
|  | September 30, 2021 |  |  | December 31, 2020 |
(in thousands) |  | Residential mortgage |  |  | Consumer |  |  | Total |  |  | Residential mortgage |  |  | Consumer |  |  | Total |
Performing |  | $ | 2,323,682 |  |  | $ | 1,609,813 |  |  | $ | 3,933,495 |  |  | $ | 2,622,422 |  |  | $ | 1,832,885 |  |  | $ | 4,455,307 |
Nonperforming |  |  | 27,371 |  |  |  | 13,303 |  |  |  | 40,674 |  |  |  | 42,790 |  |  |  | 24,410 |  |  |  | 67,200 |
Total |  | $ | 2,351,053 |  |  | $ | 1,623,116 |  |  | $ | 3,974,169 |  |  | $ | 2,665,212 |  |  | $ | 1,857,295 |  |  | $ | 4,522,507 |

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