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Loans (Tables) | 6 Months Ended
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Jun. 30, 2018
Receivables [Abstract] |
Loan composition | The period end loan composition was as follows.
| June 30, 2018(a) |  | December 31, 2017
| ($ in Thousands)
Commercial and industrial | $ | 7,109,796 |  |  | $ | 6,399,693 |
Commercial real estate — owner occupied | 888,330 |  |  | 802,209 |
Commercial and business lending | 7,998,126 |  |  | 7,201,902 |
Commercial real estate — investor | 3,996,415 |  |  | 3,315,254 |
Real estate construction | 1,487,159 |  |  | 1,451,684 |
Commercial real estate lending | 5,483,574 |  |  | 4,766,938 |
Total commercial | 13,481,700 |  |  | 11,968,840 |
Residential mortgage | 8,207,253 |  |  | 7,546,534 |
Home equity | 911,363 |  |  | 883,804 |
Other consumer | 376,470 |  |  | 385,813 |
Total consumer | 9,495,086 |  |  | 8,816,151 |
Total loans | $ | 22,976,786 |  |  | $ | 20,784,991 |
Commercial and consumer loans by credit quality indicator | The following table presents commercial and consumer loans by credit quality indicator at June 30, 2018.
| Pass |  | Special Mention |  | Potential Problem |  | Nonaccrual |  | Total
| ($ in Thousands)
Commercial and industrial | $ | 6,763,557 |  |  | $ | 92,286 |  |  | $ | 172,177 |  |  | $ | 81,776 |  |  | $ | 7,109,796 |
Commercial real estate - owner occupied | 814,769 |  |  | 16,033 |  |  | 38,879 |  |  | 18,649 |  |  | 888,330 |
Commercial and business lending | 7,578,326 |  |  | 108,319 |  |  | 211,056 |  |  | 100,425 |  |  | 7,998,126 |
Commercial real estate - investor | 3,885,535 |  |  | 59,587 |  |  | 24,790 |  |  | 26,503 |  |  | 3,996,415 |
Real estate construction | 1,452,888 |  |  | 29,559 |  |  | 3,168 |  |  | 1,544 |  |  | 1,487,159 |
Commercial real estate lending | 5,338,423 |  |  | 89,146 |  |  | 27,958 |  |  | 28,047 |  |  | 5,483,574 |
Total commercial | 12,916,749 |  |  | 197,465 |  |  | 239,014 |  |  | 128,472 |  |  | 13,481,700 |
Residential mortgage | 8,141,803 |  |  | 199 |  |  | 2,355 |  |  | 62,896 |  |  | 8,207,253 |
Home equity | 897,471 |  |  | 792 |  |  | 142 |  |  | 12,958 |  |  | 911,363 |
Other consumer | 375,624 |  |  | 706 |  |  | 6 |  |  | 134 |  |  | 376,470 |
Total consumer | 9,414,898 |  |  | 1,697 |  |  | 2,503 |  |  | 75,988 |  |  | 9,495,086 |
Total | $ | 22,331,647 |  |  | $ | 199,162 |  |  | $ | 241,517 |  |  | $ | 204,460 |  |  | $ | 22,976,786 |
The following table presents commercial and consumer loans by credit quality indicator at December 31, 2017.
| Pass |  | Special Mention |  | Potential Problem |  | Nonaccrual |  | Total
| ($ in Thousands)
Commercial and industrial | $ | 6,015,884 |  |  | $ | 157,245 |  |  | $ | 113,778 |  |  | $ | 112,786 |  |  | $ | 6,399,693 |
Commercial real estate - owner occupied | 723,291 |  |  | 14,181 |  |  | 41,997 |  |  | 22,740 |  |  | 802,209 |
Commercial and business lending | 6,739,175 |  |  | 171,426 |  |  | 155,775 |  |  | 135,526 |  |  | 7,201,902 |
Commercial real estate - investor | 3,266,389 |  |  | 24,845 |  |  | 19,291 |  |  | 4,729 |  |  | 3,315,254 |
Real estate construction | 1,421,504 |  |  | 29,206 |  |  | — |  |  | 974 |  |  | 1,451,684 |
Commercial real estate lending | 4,687,893 |  |  | 54,051 |  |  | 19,291 |  |  | 5,703 |  |  | 4,766,938 |
Total commercial | 11,427,068 |  |  | 225,477 |  |  | 175,066 |  |  | 141,229 |  |  | 11,968,840 |
Residential mortgage | 7,490,860 |  |  | 426 |  |  | 1,616 |  |  | 53,632 |  |  | 7,546,534 |
Home equity | 868,958 |  |  | 1,137 |  |  | 195 |  |  | 13,514 |  |  | 883,804 |
Other consumer | 384,990 |  |  | 652 |  |  | — |  |  | 171 |  |  | 385,813 |
Total consumer | 8,744,808 |  |  | 2,215 |  |  | 1,811 |  |  | 67,317 |  |  | 8,816,151 |
Total | $ | 20,171,876 |  |  | $ | 227,692 |  |  | $ | 176,877 |  |  | $ | 208,546 |  |  | $ | 20,784,991 |
Summarized details of Loans | The following table presents loans by past due status at June 30, 2018.
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due(a) |  | Nonaccrual(b) |  | Total
| ($ in Thousands)
Commercial and industrial | $ | 7,027,210 |  |  | $ | 407 |  |  | $ | 181 |  |  | $ | 222 |  |  | $ | 81,776 |  |  | $ | 7,109,796 |
Commercial real estate - owner occupied | 869,488 |  |  | 193 |  |  | — |  |  | — |  |  | 18,649 |  |  | 888,330 |
Commercial and business lending | 7,896,698 |  |  | 600 |  |  | 181 |  |  | 222 |  |  | 100,425 |  |  | 7,998,126 |
Commercial real estate - investor | 3,969,084 |  |  | 828 |  |  | — |  |  | — |  |  | 26,503 |  |  | 3,996,415 |
Real estate construction | 1,465,850 |  |  | 19,765 |  |  | — |  |  | — |  |  | 1,544 |  |  | 1,487,159 |
Commercial real estate lending | 5,434,934 |  |  | 20,593 |  |  | — |  |  | — |  |  | 28,047 |  |  | 5,483,574 |
Total commercial | 13,331,632 |  |  | 21,193 |  |  | 181 |  |  | 222 |  |  | 128,472 |  |  | 13,481,700 |
Residential mortgage | 8,135,016 |  |  | 9,158 |  |  | 183 |  |  | — |  |  | 62,896 |  |  | 8,207,253 |
Home equity | 891,135 |  |  | 6,534 |  |  | 736 |  |  | — |  |  | 12,958 |  |  | 911,363 |
Other consumer | 372,984 |  |  | 972 |  |  | 763 |  |  | 1,617 |  |  | 134 |  |  | 376,470 |
Total consumer | 9,399,135 |  |  | 16,664 |  |  | 1,682 |  |  | 1,617 |  |  | 75,988 |  |  | 9,495,086 |
Total | $ | 22,730,767 |  |  | $ | 37,857 |  |  | $ | 1,863 |  |  | $ | 1,839 |  |  | $ | 204,460 |  |  | $ | 22,976,786 |
(a) | The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at June 30, 2018 (the same as the reported balances for the accruing loans noted above).
(b) | Of the total nonaccrual loans, $141 million or 69% were current with respect to payment at June 30, 2018.
The following table presents loans by past due status at December 31, 2017.
| Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due(a) |  | Nonaccrual(b) |  | Total
| ($ in Thousands)
Commercial and industrial | $ | 6,286,369 |  |  | $ | 170 |  |  | $ | 101 |  |  | $ | 267 |  |  | $ | 112,786 |  |  | $ | 6,399,693 |
Commercial real estate - owner occupied | 779,421 |  |  | 48 |  |  | — |  |  | — |  |  | 22,740 |  |  | 802,209 |
Commercial and business lending | 7,065,790 |  |  | 218 |  |  | 101 |  |  | 267 |  |  | 135,526 |  |  | 7,201,902 |
Commercial real estate - investor | 3,310,000 |  |  | 374 |  |  | — |  |  | 151 |  |  | 4,729 |  |  | 3,315,254 |
Real estate construction | 1,450,459 |  |  | 168 |  |  | 83 |  |  | — |  |  | 974 |  |  | 1,451,684 |
Commercial real estate lending | 4,760,459 |  |  | 542 |  |  | 83 |  |  | 151 |  |  | 5,703 |  |  | 4,766,938 |
Total commercial | 11,826,249 |  |  | 760 |  |  | 184 |  |  | 418 |  |  | 141,229 |  |  | 11,968,840 |
Residential mortgage | 7,483,350 |  |  | 9,186 |  |  | 366 |  |  | — |  |  | 53,632 |  |  | 7,546,534 |
Home equity | 863,465 |  |  | 5,688 |  |  | 1,137 |  |  | — |  |  | 13,514 |  |  | 883,804 |
Other consumer | 382,186 |  |  | 1,227 |  |  | 780 |  |  | 1,449 |  |  | 171 |  |  | 385,813 |
Total consumer | 8,729,001 |  |  | 16,101 |  |  | 2,283 |  |  | 1,449 |  |  | 67,317 |  |  | 8,816,151 |
Total | $ | 20,555,250 |  |  | $ | 16,861 |  |  | $ | 2,467 |  |  | $ | 1,867 |  |  | $ | 208,546 |  |  | $ | 20,784,991 |
(a) | The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at December 31, 2017 (the same as the reported balances for the accruing loans noted above).
(b) Of the total nonaccrual loans, $135 million or 65% were current with respect to payment at December 31, 2017.
Summarized details of impaired Loans | The following table presents impaired loans individually evaluated under ASC Topic 310, excluding $16 million of purchased credit-impaired loans, at June 30, 2018.
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
| ($ in Thousands)
Loans with a related allowance |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 75,928 |  |  | $ | 77,873 |  |  | $ | 17,628 |  |  | $ | 70,082 |  |  | $ | 725 |
Commercial real estate — owner occupied | 15,386 |  |  | 15,853 |  |  | 829 |  |  | 15,649 |  |  | 95 |
Commercial and business lending | 91,314 |  |  | 93,726 |  |  | 18,457 |  |  | 85,731 |  |  | 820 |
Commercial real estate — investor | 15,397 |  |  | 15,469 |  |  | 4,132 |  |  | 15,485 |  |  | 901 |
Real estate construction | 448 |  |  | 523 |  |  | 77 |  |  | 456 |  |  | 15 |
Commercial real estate lending | 15,845 |  |  | 15,992 |  |  | 4,209 |  |  | 15,941 |  |  | 916 |
Total commercial | 107,159 |  |  | 109,718 |  |  | 22,666 |  |  | 101,672 |  |  | 1,736 |
Residential mortgage | 39,926 |  |  | 44,171 |  |  | 6,208 |  |  | 39,433 |  |  | 863 |
Home equity | 9,817 |  |  | 10,809 |  |  | 3,514 |  |  | 9,917 |  |  | 282 |
Other consumer | 1,049 |  |  | 1,051 |  |  | 109 |  |  | 1,051 |  |  | 1 |
Total consumer | 50,792 |  |  | 56,031 |  |  | 9,831 |  |  | 50,401 |  |  | 1,146 |
Total loans(a) | $ | 157,951 |  |  | $ | 165,749 |  |  | $ | 32,497 |  |  | $ | 152,073 |  |  | $ | 2,882 |
Loans with no related allowance |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 35,065 |  |  | $ | 47,914 |  |  | $ | — |  |  | $ | 39,201 |  |  | $ | (286 | )
Commercial real estate — owner occupied | 4,869 |  |  | 5,920 |  |  | — |  |  | 4,179 |  |  | 24 |
Commercial and business lending | 39,934 |  |  | 53,834 |  |  | — |  |  | 43,380 |  |  | (262 | )
Commercial real estate — investor | 984 |  |  | 1,031 |  |  | — |  |  | 1,006 |  |  | — |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate lending | 984 |  |  | 1,031 |  |  | — |  |  | 1,006 |  |  | — |
Total commercial | 40,918 |  |  | 54,865 |  |  | — |  |  | 44,386 |  |  | (262 | )
Residential mortgage | 11,543 |  |  | 11,862 |  |  | — |  |  | 7,839 |  |  | 128 |
Home equity | 1,275 |  |  | 1,289 |  |  | — |  |  | 785 |  |  | 12 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 12,818 |  |  | 13,151 |  |  | — |  |  | 8,624 |  |  | 140 |
Total loans(a) | $ | 53,736 |  |  | $ | 68,016 |  |  | $ | — |  |  | $ | 53,010 |  |  | $ | (122 | )
Total |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 110,993 |  |  | $ | 125,787 |  |  | $ | 17,628 |  |  | $ | 109,283 |  |  | $ | 439 |
Commercial real estate — owner occupied | 20,255 |  |  | 21,773 |  |  | 829 |  |  | 19,828 |  |  | 119 |
Commercial and business lending | 131,248 |  |  | 147,560 |  |  | 18,457 |  |  | 129,111 |  |  | 558 |
Commercial real estate — investor | 16,381 |  |  | 16,500 |  |  | 4,132 |  |  | 16,491 |  |  | 901 |
Real estate construction | 448 |  |  | 523 |  |  | 77 |  |  | 456 |  |  | 15 |
Commercial real estate lending | 16,829 |  |  | 17,023 |  |  | 4,209 |  |  | 16,947 |  |  | 916 |
Total commercial | 148,077 |  |  | 164,583 |  |  | 22,666 |  |  | 146,058 |  |  | 1,474 |
Residential mortgage | 51,469 |  |  | 56,033 |  |  | 6,208 |  |  | 47,272 |  |  | 991 |
Home equity | 11,092 |  |  | 12,098 |  |  | 3,514 |  |  | 10,702 |  |  | 294 |
Other consumer | 1,049 |  |  | 1,051 |  |  | 109 |  |  | 1,051 |  |  | 1 |
Total consumer | 63,610 |  |  | 69,182 |  |  | 9,831 |  |  | 59,025 |  |  | 1,286 |
Total loans(a) | $ | 211,687 |  |  | $ | 233,765 |  |  | $ | 32,497 |  |  | $ | 205,083 |  |  | $ | 2,760 |
(a) | The net recorded investment (defined as recorded investment, net of the related allowance) of the impaired loans represented 77% of the unpaid principal balance at June 30, 2018.
The following table presents impaired loans individually evaluated under ASC Topic 310 at December 31, 2017.
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
| ($ in Thousands)
Loans with a related allowance |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 81,649 |  |  | $ | 83,579 |  |  | $ | 10,838 |  |  | $ | 58,494 |  |  | $ | 2,629 |
Commercial real estate — owner occupied | 23,796 |  |  | 23,937 |  |  | 2,973 |  |  | 12,124 |  |  | 736 |
Commercial and business lending | 105,445 |  |  | 107,516 |  |  | 13,811 |  |  | 70,618 |  |  | 3,365 |
Commercial real estate — investor | 17,823 |  |  | 17,862 |  |  | 1,597 |  |  | 16,924 |  |  | 1,694 |
Real estate construction | 467 |  |  | 578 |  |  | 86 |  |  | 484 |  |  | 29 |
Commercial real estate lending | 18,290 |  |  | 18,440 |  |  | 1,683 |  |  | 17,408 |  |  | 1,723 |
Total commercial | 123,735 |  |  | 125,956 |  |  | 15,494 |  |  | 88,026 |  |  | 5,088 |
Residential mortgage | 40,561 |  |  | 42,922 |  |  | 6,512 |  |  | 40,411 |  |  | 1,614 |
Home equity | 10,250 |  |  | 10,986 |  |  | 3,718 |  |  | 10,521 |  |  | 549 |
Other consumer | 1,135 |  |  | 1,138 |  |  | 122 |  |  | 1,140 |  |  | 3 |
Total consumer | 51,946 |  |  | 55,046 |  |  | 10,352 |  |  | 52,072 |  |  | 2,166 |
Total loans(a) | $ | 175,681 |  |  | $ | 181,002 |  |  | $ | 25,846 |  |  | $ | 140,098 |  |  | $ | 7,254 |
Loans with no related allowance |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 60,595 |  |  | $ | 82,839 |  |  | $ | — |  |  | $ | 89,275 |  |  | $ | 492 |
Commercial real estate — owner occupied | 2,438 |  |  | 2,829 |  |  | — |  |  | 1,948 |  |  | 36 |
Commercial and business lending | 63,033 |  |  | 85,668 |  |  | — |  |  | 91,223 |  |  | 528 |
Commercial real estate — investor | 1,295 |  |  | 1,295 |  |  | — |  |  | — |  |  | 45 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate lending | 1,295 |  |  | 1,295 |  |  | — |  |  | — |  |  | 45 |
Total commercial | 64,328 |  |  | 86,963 |  |  | — |  |  | 91,223 |  |  | 573 |
Residential mortgage | 6,925 |  |  | 7,204 |  |  | — |  |  | 4,999 |  |  | 217 |
Home equity | 641 |  |  | 645 |  |  | — |  |  | 540 |  |  | 7 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 7,566 |  |  | 7,849 |  |  | — |  |  | 5,539 |  |  | 224 |
Total loans(a) | $ | 71,894 |  |  | $ | 94,812 |  |  | $ | — |  |  | $ | 96,762 |  |  | $ | 797 |
Total |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 142,244 |  |  | $ | 166,418 |  |  | $ | 10,838 |  |  | $ | 147,769 |  |  | $ | 3,121 |
Commercial real estate — owner occupied | 26,234 |  |  | 26,766 |  |  | 2,973 |  |  | 14,072 |  |  | 772 |
Commercial and business lending | 168,478 |  |  | 193,184 |  |  | 13,811 |  |  | 161,841 |  |  | 3,893 |
Commercial real estate — investor | 19,118 |  |  | 19,157 |  |  | 1,597 |  |  | 16,924 |  |  | 1,739 |
Real estate construction | 467 |  |  | 578 |  |  | 86 |  |  | 484 |  |  | 29 |
Commercial real estate lending | 19,585 |  |  | 19,735 |  |  | 1,683 |  |  | 17,408 |  |  | 1,768 |
Total commercial | 188,063 |  |  | 212,919 |  |  | 15,494 |  |  | 179,249 |  |  | 5,661 |
Residential mortgage | 47,486 |  |  | 50,126 |  |  | 6,512 |  |  | 45,410 |  |  | 1,831 |
Home equity | 10,891 |  |  | 11,631 |  |  | 3,718 |  |  | 11,061 |  |  | 556 |
Other consumer | 1,135 |  |  | 1,138 |  |  | 122 |  |  | 1,140 |  |  | 3 |
Total consumer | 59,512 |  |  | 62,895 |  |  | 10,352 |  |  | 57,611 |  |  | 2,390 |
Total loans(a) | $ | 247,575 |  |  | $ | 275,814 |  |  | $ | 25,846 |  |  | $ | 236,860 |  |  | $ | 8,051 |
(a) The net recorded investment (defined as recorded investment, net of the related allowance) of the impaired loans represented 80% of the unpaid principal balance at December 31, 2017.
Nonaccrual and performing restructured loans | The following table presents nonaccrual and performing restructured loans by loan portfolio.
| June 30, 2018 |  | December 31, 2017
| Performing Restructured Loans |  | Nonaccrual Restructured Loans(a) |  | Performing Restructured Loans |  | Nonaccrual Restructured Loans(a)
| ($ in Thousands)
Commercial and industrial | $ | 32,438 |  |  | $ | 155 |  |  | $ | 30,047 |  |  | $ | 1,776 |
Commercial real estate — owner occupied | 3,820 |  |  | — |  |  | 3,989 |  |  | — |
Commercial real estate — investor | 372 |  |  | 14,268 |  |  | 14,389 |  |  | — |
Real estate construction | 222 |  |  | 226 |  |  | 310 |  |  | 157 |
Residential mortgage | 17,934 |  |  | 20,372 |  |  | 17,068 |  |  | 18,991 |
Home equity | 7,900 |  |  | 2,972 |  |  | 7,705 |  |  | 2,537 |
Other consumer | 1,037 |  |  | 12 |  |  | 1,110 |  |  | 25 |
Total | $ | 63,723 |  |  | $ | 38,005 |  |  | $ | 74,618 |  |  | $ | 23,486 |
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
Summary of restructured loans | The following table provides the number of loans modified in a troubled debt restructuring by loan portfolio during the six months ended June 30, 2018 and 2017, respectively, and the recorded investment and unpaid principal balance as of June 30, 2018 and 2017, respectively.
| Six Months Ended June 30, 2018 |  | Six Months Ended June 30, 2017
| Number of Loans |  | Recorded Investment(a) |  | Unpaid Principal Balance(b) |  | Number of Loans |  | Recorded Investment(a) |  | Unpaid Principal Balance(b)
| ($ in Thousands)
Commercial and industrial | 1 |  |  | $ | 47 |  |  | $ | 47 |  |  | 24 |  |  | $ | 30,935 |  |  | $ | 52,260 |
Commercial real estate — owner occupied | — |  |  | — |  |  | — |  |  | 2 |  |  | 716 |  |  | 716 |
Commercial real estate — investor | 1 |  |  | 984 |  |  | 1,031 |  |  | — |  |  | — |  |  | — |
Residential mortgage | 10 |  |  | 2,064 |  |  | 2,064 |  |  | 36 |  |  | 2,695 |  |  | 2,805 |
Home equity | 10 |  |  | 935 |  |  | 949 |  |  | 26 |  |  | 674 |  |  | 919 |
Other consumer | 1 |  |  | 5 |  |  | 8 |  |  | — |  |  | — |  |  | — |
Total | 23 |  |  | $ | 4,035 |  |  | $ | 4,099 |  |  | 88 |  |  | $ | 35,020 |  |  | $ | 56,700 |
(a) | Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment.
Troubled debt restructurings subsequent redefault | The following table provides the number of loans modified in a troubled debt restructuring during the previous twelve months which subsequently defaulted during the six months ended June 30, 2018 and 2017, respectively, as well as the recorded investment in these restructured loans as of June 30, 2018 and 2017, respectively.
| Six Months Ended June 30, 2018 |  | Six Months Ended June 30, 2017
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| ($ in Thousands)
Commercial and industrial | 3 |  |  | $ | — |  |  | — |  |  | $ | — |
Residential mortgage | 8 |  |  | 2,219 |  |  | 17 |  |  | 941 |
Home equity | 21 |  |  | 1,409 |  |  | 9 |  |  | 271 |
Total | 32 |  |  | $ | 3,628 |  |  | 26 |  |  | $ | 1,212 |
Changes in the allowance for loan losses by portfolio segment |
($ in Millions) | Six Months Ended June 30, 2018 |  | Year Ended December 31, 2017
Balance at beginning of period | $ | 27 |  |  | $ | 38 |
Charge offs | (14 | ) |  | (25 | )
Recoveries | 3 |  |  | — |
Net Charge offs | (11 | ) |  | (25 | )
Provision for loan losses | 1 |  |  | 14 |
Balance at end of period | $ | 17 |  |  | $ | 27 |
Allowance for loan losses |  |  |
Individually evaluated for impairment | $ | 9 |  |  | $ | 5 |
Collectively evaluated for impairment | 8 |  |  | 22 |
Total allowance for loan losses | $ | 17 |  |  | $ | 27 |
Loans |  |  |
Individually evaluated for impairment | $ | 45 |  |  | $ | 77 |
Collectively evaluated for impairment | 637 |  |  | 523 |
Total loans | $ | 682 |  |  | $ | 600 |
The following table presents a summary of the changes in the allowance for loan losses by portfolio segment for the six months ended June 30, 2018.
($ in Thousands) | Commercial and industrial | Commercial real estate - owner occupied | Commercial real estate - investor | Real estate construction | Residential mortgage | Home equity | Other consumer | Total
December 31, 2017 | $ | 123,068 |  | $ | 10,352 |  | $ | 41,059 |  | $ | 34,370 |  | $ | 29,607 |  | $ | 22,126 |  | $ | 5,298 |  | $ | 265,880 |
Charge offs | (19,611 | ) | (1,042 | ) | (1,202 | ) | (53 | ) | (956 | ) | (1,729 | ) | (2,488 | ) | (27,081 | )
Recoveries | 6,406 |  | 287 |  | 21 |  | 290 |  | 690 |  | 1,192 |  | 416 |  | 9,302 |
Net Charge offs | (13,205 | ) | (755 | ) | (1,181 | ) | 237 |  | (266 | ) | (537 | ) | (2,072 | ) | (17,779 | )
Provision for loan losses | 750 |  | 1,213 |  | 4,272 |  | (5,455 | ) | 1,796 |  | (301 | ) | 2,225 |  | 4,500 |
June 30, 2018 | $ | 110,613 |  | $ | 10,810 |  | $ | 44,150 |  | $ | 29,152 |  | $ | 31,137 |  | $ | 21,288 |  | $ | 5,451 |  | $ | 252,601 |
Allowance for loan losses |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 17,628 |  | $ | 829 |  | $ | 4,132 |  | $ | 77 |  | $ | 6,208 |  | $ | 3,514 |  | $ | 109 |  | $ | 32,497 |
Collectively evaluated for impairment | 92,985 |  | 9,981 |  | 40,018 |  | 29,075 |  | 24,929 |  | 17,774 |  | 5,342 |  | 220,104 |
Acquired and accounted for under ASC 310-30(a) | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total allowance for loan losses | $ | 110,613 |  | $ | 10,810 |  | $ | 44,150 |  | $ | 29,152 |  | $ | 31,137 |  | $ | 21,288 |  | $ | 5,451 |  | $ | 252,601 |
Loans |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 110,993 |  | $ | 20,255 |  | $ | 16,381 |  | $ | 448 |  | $ | 51,469 |  | $ | 11,092 |  | $ | 1,049 |  | $ | 211,687 |
Collectively evaluated for impairment | 6,996,038 |  | 866,356 |  | 3,969,829 |  | 1,486,464 |  | 8,154,904 |  | 900,187 |  | 375,421 |  | 22,749,199 |
Acquired and accounted for under ASC 310-30(a) | 2,765 |  | 1,719 |  | 10,205 |  | 247 |  | 880 |  | 84 |  | — |  | 15,900 |
Total loans | $ | 7,109,796 |  | $ | 888,330 |  | $ | 3,996,415 |  | $ | 1,487,159 |  | $ | 8,207,253 |  | $ | 911,363 |  | $ | 376,470 |  | $ | 22,976,786 |
(a) | Loans acquired in business combinations and accounted for under ASC Subtopic 310-30 "Receivables — Loans and Debt Securities Acquired with Deteriorated Credit Quality."
For comparison purposes, a summary of the changes in the allowance for loan losses by portfolio segment for the year ended December 31, 2017, was as follows.
($ in Thousands) | Commercial and industrial | Commercial real estate - owner occupied | Commercial real estate - investor | Real estate construction | Residential mortgage | Home equity | Other consumer | Total
December 31, 2016 | $ | 140,126 |  | $ | 14,034 |  | $ | 45,285 |  | $ | 26,932 |  | $ | 27,046 |  | $ | 20,364 |  | $ | 4,548 |  | $ | 278,335 |
Charge offs | (44,533 | ) | (344 | ) | (991 | ) | (604 | ) | (2,611 | ) | (2,724 | ) | (4,439 | ) | (56,246 | )
Recoveries | 11,465 |  | 173 |  | 242 |  | 74 |  | 927 |  | 3,194 |  | 716 |  | 16,791 |
Net Charge offs | (33,068 | ) | (171 | ) | (749 | ) | (530 | ) | (1,684 | ) | 470 |  | (3,723 | ) | (39,455 | )
Provision for loan losses | 16,010 |  | (3,511 | ) | (3,477 | ) | 7,968 |  | 4,245 |  | 1,292 |  | 4,473 |  | 27,000 |
December 31, 2017 | $ | 123,068 |  | $ | 10,352 |  | $ | 41,059 |  | $ | 34,370 |  | $ | 29,607 |  | $ | 22,126 |  | $ | 5,298 |  | $ | 265,880 |
Allowance for loan losses |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 10,838 |  | $ | 2,973 |  | $ | 1,597 |  | $ | 86 |  | $ | 6,512 |  | $ | 3,718 |  | $ | 122 |  | $ | 25,846 |
Collectively evaluated for impairment | 112,230 |  | 7,379 |  | 39,462 |  | 34,284 |  | 23,095 |  | 18,408 |  | 5,176 |  | 240,034 |
Total allowance for loan losses | $ | 123,068 |  | $ | 10,352 |  | $ | 41,059 |  | $ | 34,370 |  | $ | 29,607 |  | $ | 22,126 |  | $ | 5,298 |  | $ | 265,880 |
Loans |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 142,244 |  | $ | 26,234 |  | $ | 19,118 |  | $ | 467 |  | $ | 47,486 |  | $ | 10,891 |  | $ | 1,135 |  | $ | 247,575 |
Collectively evaluated for impairment | 6,257,449 |  | 775,975 |  | 3,296,136 |  | 1,451,217 |  | 7,499,048 |  | 872,913 |  | 384,678 |  | 20,537,416 |
Total loans | $ | 6,399,693 |  | $ | 802,209 |  | $ | 3,315,254 |  | $ | 1,451,684 |  | $ | 7,546,534 |  | $ | 883,804 |  | $ | 385,813 |  | $ | 20,784,991 |
Changes in the allowance for unfunded commitments | The following table presents a summary of the changes in the allowance for unfunded commitments.
| Six Months Ended June 30, 2018 |  | Year Ended December 31, 2017
| ($ in Thousands)
Allowance for Unfunded Commitments |  |  |
Balance at beginning of period | $ | 24,400 |  |  | $ | 25,400 |
Provision for unfunded commitments | (500 | ) |  | (1,000 | )
Amount recorded at acquisition | 2,436 |  |  | — |
Balance at end of period | $ | 26,336 |  |  | $ | 24,400 |
Changes In Accretable Yield For Purchased Credit Impaired | Changes in the accretable yield for loans acquired and accounted for under ASC Topic 310-30 were as follows for the six months ended June 30, 2018 and for the year ended December 31, 2017
| Six Months Ended June 30, 2018 |  | Year Ended December 31, 2017
| ($ in Thousands)
Changes in Accretable Yield |  |  |
Balance at beginning of period | $ | — |  |  | $ | — |
Purchases | 4,881 |  |  | — |
Accretion | (119 | ) |  | — |
Balance at end of period | $ | 4,762 |  |  | $ | — |

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