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v3.21.1

Loans, Allowance for Credit Losses and Credit Quality (Tables) | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Financing Receivable, Allowance for Credit Loss [Table Text Block] | The following table summarizes the change in allowance for credit losses by loan category, and bifurcates the amount of loans allocated to each loan category for the period indicated:
| Three Months Ended March 31, 2021
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 21,086 |  |  | $ | 45,009 |  |  | $ | 5,397 |  |  | $ | 5,095 |  |  | $ | 14,275 |  |  | $ | 22,060 |  |  | $ | 470 |  |  | $ | 113,392 |
Charge-offs | (3,331) |  |  | — |  |  | — |  |  | (66) |  |  | — |  |  | — |  |  | (289) |  |  | (3,686) |
Recoveries | 64 |  |  | 57 |  |  | — |  |  | 11 |  |  | 1 |  |  | 13 |  |  | 197 |  |  | 343 |
Provision for credit loss expense | 2,388 |  |  | (718) |  |  | (129) |  |  | (1,419) |  |  | (1,320) |  |  | (1,357) |  |  | 55 |  |  | (2,500) |
Ending balance (1) | $ | 20,207 |  |  | $ | 44,348 |  |  | $ | 5,268 |  |  | $ | 3,621 |  |  | $ | 12,956 |  |  | $ | 20,716 |  |  | $ | 433 |  |  | $ | 107,549 |
| Three Months Ended March 31, 2020
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, pre adoption of ASU 2016-13 | $ | 17,594 |  |  | $ | 32,935 |  |  | $ | 6,053 |  |  | $ | 1,746 |  |  | $ | 3,440 |  |  | $ | 5,576 |  |  | $ | 396 |  |  | $ | 67,740 |
Cumulative effect accounting adjustment (2) | (1,984) |  |  | (13,048) |  |  | (3,652) |  |  | 495 |  |  | 9,828 |  |  | 7,012 |  |  | 212 |  |  | (1,137) |
Cumulative effect accounting adjustment (3) | 49 |  |  | 337 |  |  | — |  |  | — |  |  | 423 |  |  | 319 |  |  | 29 |  |  | 1,157 |
Charge-offs | — |  |  | — |  |  | — |  |  | (109) |  |  | — |  |  | (138) |  |  | (487) |  |  | (734) |
Recoveries | 42 |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  | 58 |  |  | 246 |  |  | 350 |
Provision for credit loss expense | 5,948 |  |  | 9,274 |  |  | 1,346 |  |  | 1,694 |  |  | 1,155 |  |  | 5,083 |  |  | 500 |  |  | 25,000 |
Ending balance (1) | $ | 21,649 |  |  | $ | 29,498 |  |  | $ | 3,747 |  |  | $ | 3,829 |  |  | $ | 14,847 |  |  | $ | 17,910 |  |  | $ | 896 |  |  | $ | 92,376 |
(1)Balances of accrued interest receivable excluded from amortized cost and the calculation of allowance for credit losses amounted to $33.4 million and $25.9 million as of March 31, 2021 and March 31, 2020, respectively. (2)Represents adjustment needed to reflect the cumulative day one impact pursuant to the Company's adoption of Accounting Standards Update 2016-13. The adjustment represents a $1.1 million decrease to the allowance attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company's adoption of the standard. (3)Represents adjustment needed to reflect the day one reclassification of the Company's PCI loan balances to PCD and the associated gross-up, pursuant to the Company's adoption of Accounting Standards Update 2016-13. The adjustment represents a $1.2 million increase to the allowance resulting from the day one reclassification.
Financing Receivable Credit Quality Indicators [Table Text Block] | The following table details the amortized cost balances of the Company's loan portfolios, presented by credit quality indicator and origination year as of the dates indicated below:
| March 31, 2021
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans |  | Revolving converted to Term |  | Total
| (Dollars in thousands)
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1) | $ | 420,682 |  |  | $ | 724,577 |  |  | $ | 127,454 |  |  | $ | 88,970 |  |  | $ | 25,737 |  |  | $ | 27,123 |  |  | $ | 589,448 |  |  | $ | — |  |  | $ | 2,003,991 |
Potential weakness | 3,424 |  |  | 14,991 |  |  | 2,636 |  |  | 2,148 |  |  | 4,288 |  |  | 3,205 |  |  | 12,252 |  |  | — |  |  | 42,944 |
Definite weakness - loss unlikely | 17,912 |  |  | 663 |  |  | 1,116 |  |  | 1,327 |  |  | 2,768 |  |  | 482 |  |  | 6,927 |  |  | — |  |  | 31,195 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 143 |  |  | 8,398 |  |  | — |  |  | 8,541 |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial | $ | 442,018 |  |  | $ | 740,231 |  |  | $ | 131,206 |  |  | $ | 92,445 |  |  | $ | 32,793 |  |  | $ | 30,953 |  |  | $ | 617,025 |  |  | $ | — |  |  | $ | 2,086,671 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 214,573 |  |  | $ | 1,043,424 |  |  | $ | 687,959 |  |  | $ | 432,728 |  |  | $ | 524,194 |  |  | $ | 966,331 |  |  | $ | 16,196 |  |  | $ | — |  |  | $ | 3,885,405 |
Potential weakness | 390 |  |  | 29,218 |  |  | 53,849 |  |  | 31,274 |  |  | 18,981 |  |  | 86,160 |  |  | 13,612 |  |  | — |  |  | 233,484 |
Definite weakness - loss unlikely | 3,590 |  |  | 22,536 |  |  | 3,754 |  |  | 3,474 |  |  | 9,892 |  |  | 15,482 |  |  | — |  |  | — |  |  | 58,728 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate | $ | 218,553 |  |  | $ | 1,095,178 |  |  | $ | 745,562 |  |  | $ | 467,476 |  |  | $ | 553,067 |  |  | $ | 1,067,973 |  |  | $ | 29,808 |  |  | $ | — |  |  | $ | 4,177,617 |
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 28,323 |  |  | $ | 239,954 |  |  | $ | 142,076 |  |  | $ | 28,189 |  |  | $ | 23,313 |  |  | $ | 6,628 |  |  | $ | 19,934 |  |  | $ | — |  |  | $ | 488,417 |
Potential weakness | — |  |  | 17,544 |  |  | 9,691 |  |  | — |  |  | — |  |  | — |  |  | 190 |  |  | — |  |  | 27,425 |
Definite weakness - loss unlikely | — |  |  | — |  |  | — |  |  | 520 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 520 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | $ | 28,323 |  |  | $ | 257,498 |  |  | $ | 151,767 |  |  | $ | 28,709 |  |  | $ | 23,313 |  |  | $ | 6,628 |  |  | $ | 20,124 |  |  | $ | — |  |  | $ | 516,362 |
Small business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,307 |  |  | $ | 41,418 |  |  | $ | 25,817 |  |  | $ | 17,750 |  |  | $ | 12,624 |  |  | $ | 29,309 |  |  | $ | 33,658 |  |  | $ | — |  |  | $ | 170,883 |
Potential weakness | — |  |  | — |  |  | 389 |  |  | 204 |  |  | 10 |  |  | 202 |  |  | 634 |  |  | — |  |  | 1,439 |
Definite weakness - loss unlikely | — |  |  | 677 |  |  | 51 |  |  | 59 |  |  | 17 |  |  | 301 |  |  | 758 |  |  | — |  |  | 1,863 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | — |  |  | 26 |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total small business | $ | 10,307 |  |  | $ | 42,095 |  |  | $ | 26,257 |  |  | $ | 18,013 |  |  | $ | 12,651 |  |  | $ | 29,812 |  |  | $ | 35,076 |  |  | $ | — |  |  | $ | 174,211 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 80,657 |  |  | $ | 212,891 |  |  | $ | 126,359 |  |  | $ | 133,150 |  |  | $ | 130,580 |  |  | $ | 554,848 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,238,485 |
Default | — |  |  | — |  |  | — |  |  | 427 |  |  | — |  |  | 2,877 |  |  | — |  |  | — |  |  | 3,304 |
Total residential real estate | $ | 80,657 |  |  | $ | 212,891 |  |  | $ | 126,359 |  |  | $ | 133,577 |  |  | $ | 130,580 |  |  | $ | 557,725 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,241,789 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 23,583 |  |  | $ | 77,497 |  |  | $ | 51,398 |  |  | $ | 46,648 |  |  | $ | 48,132 |  |  | $ | 140,376 |  |  | $ | 636,881 |  |  | $ | 1,762 |  |  | $ | 1,026,277 |
Default | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 210 |  |  | 2,008 |  |  | — |  |  | 2,218 |
Total home equity | $ | 23,583 |  |  | $ | 77,497 |  |  | $ | 51,398 |  |  | $ | 46,648 |  |  | $ | 48,132 |  |  | $ | 140,586 |  |  | $ | 638,889 |  |  | $ | 1,762 |  |  | $ | 1,028,495 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 46 |  |  | $ | 540 |  |  | $ | 326 |  |  | $ | 146 |  |  | $ | 620 |  |  | $ | 6,800 |  |  | $ | 12,939 |  |  | $ | — |  |  | $ | 21,417 |
Default | — |  |  | — |  |  | — |  |  | — |  |  | 15 |  |  | 111 |  |  | 3 |  |  | — |  |  | 129 |
Total other consumer | $ | 46 |  |  | $ | 540 |  |  | $ | 326 |  |  | $ | 146 |  |  | $ | 635 |  |  | $ | 6,911 |  |  | $ | 12,942 |  |  | $ | — |  |  | $ | 21,546 |
Total | $ | 803,487 |  |  | $ | 2,425,930 |  |  | $ | 1,232,875 |  |  | $ | 787,014 |  |  | $ | 801,171 |  |  | $ | 1,840,588 |  |  | $ | 1,353,864 |  |  | $ | 1,762 |  |  | $ | 9,246,691 |
| March 31, 2020
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans |  | Revolving converted to Term |  | Total
| (Dollars in thousands)
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1) | $ | 119,886 |  |  | $ | 213,925 |  |  | $ | 138,376 |  |  | $ | 50,323 |  |  | $ | 36,685 |  |  | $ | 33,576 |  |  | $ | 736,304 |  |  | $ | 327 |  |  | $ | 1,329,402 |
Potential weakness | 362 |  |  | 5,432 |  |  | 1,489 |  |  | 4,909 |  |  | 725 |  |  | 697 |  |  | 21,780 |  |  | 50 |  |  | 35,444 |
Definite weakness - loss unlikely | 495 |  |  | 2,128 |  |  | 26,006 |  |  | 5,589 |  |  | 2,604 |  |  | 1,575 |  |  | 44,932 |  |  | — |  |  | 83,329 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49 |  |  | — |  |  | — |  |  | 49 |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial | $ | 120,743 |  |  | $ | 221,485 |  |  | $ | 165,871 |  |  | $ | 60,821 |  |  | $ | 40,014 |  |  | $ | 35,897 |  |  | $ | 803,016 |  |  | $ | 377 |  |  | $ | 1,448,224 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 260,217 |  |  | $ | 943,205 |  |  | $ | 586,125 |  |  | $ | 651,335 |  |  | $ | 468,824 |  |  | $ | 945,248 |  |  | $ | 48,056 |  |  | $ | 2,987 |  |  | $ | 3,905,997 |
Potential weakness | 1,809 |  |  | 8,303 |  |  | 33,755 |  |  | 8,506 |  |  | 9,851 |  |  | 42,382 |  |  | — |  |  | — |  |  | 104,606 |
Definite weakness - loss unlikely | — |  |  | 3,612 |  |  | 7,432 |  |  | 20,395 |  |  | 6,993 |  |  | 12,312 |  |  | — |  |  | — |  |  | 50,744 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate | $ | 262,026 |  |  | $ | 955,120 |  |  | $ | 627,312 |  |  | $ | 680,236 |  |  | $ | 485,668 |  |  | $ | 999,942 |  |  | $ | 48,056 |  |  | $ | 2,987 |  |  | $ | 4,061,347 |
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 43,369 |  |  | $ | 221,773 |  |  | $ | 114,561 |  |  | $ | 73,493 |  |  | $ | — |  |  | $ | 6,867 |  |  | $ | 44,225 |  |  | $ | 325 |  |  | $ | 504,613 |
Potential weakness | — |  |  | 554 |  |  | 347 |  |  | 19,044 |  |  | — |  |  | — |  |  | 347 |  |  | — |  |  | 20,292 |
Definite weakness - loss unlikely | — |  |  | — |  |  | 1,887 |  |  | — |  |  | — |  |  | — |  |  | 346 |  |  | — |  |  | 2,233 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | $ | 43,369 |  |  | $ | 222,327 |  |  | $ | 116,795 |  |  | $ | 92,537 |  |  | $ | — |  |  | $ | 6,867 |  |  | $ | 44,918 |  |  | $ | 325 |  |  | $ | 527,138 |
Small business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 8,414 |  |  | $ | 31,651 |  |  | $ | 25,184 |  |  | $ | 17,848 |  |  | $ | 17,594 |  |  | $ | 26,734 |  |  | $ | 47,109 |  |  | $ | — |  |  | $ | 174,534 |
Potential weakness | — |  |  | 12 |  |  | 18 |  |  | 13 |  |  | 753 |  |  | 259 |  |  | 597 |  |  | — |  |  | 1,652 |
Definite weakness - loss unlikely | — |  |  | 47 |  |  | 133 |  |  | 51 |  |  | 169 |  |  | 598 |  |  | 636 |  |  | — |  |  | 1,634 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total small business | $ | 8,414 |  |  | $ | 31,710 |  |  | $ | 25,335 |  |  | $ | 17,912 |  |  | $ | 18,516 |  |  | $ | 27,591 |  |  | $ | 48,342 |  |  | $ | — |  |  | $ | 177,820 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 39,122 |  |  | $ | 204,524 |  |  | $ | 260,899 |  |  | $ | 210,662 |  |  | $ | 283,255 |  |  | $ | 523,742 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,522,204 |
Default | — |  |  | — |  |  | 427 |  |  | 435 |  |  | — |  |  | 5,350 |  |  | — |  |  | — |  |  | 6,212 |
Total residential real estate | $ | 39,122 |  |  | $ | 204,524 |  |  | $ | 261,326 |  |  | $ | 211,097 |  |  | $ | 283,255 |  |  | $ | 529,092 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,528,416 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 23,397 |  |  | $ | 75,161 |  |  | $ | 70,081 |  |  | $ | 67,740 |  |  | $ | 51,106 |  |  | $ | 138,733 |  |  | $ | 715,169 |  |  | $ | 1,853 |  |  | $ | 1,143,240 |
Default | — |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 579 |  |  | 2,372 |  |  | 61 |  |  | 3,030 |
Total home equity | $ | 23,397 |  |  | $ | 75,161 |  |  | $ | 70,081 |  |  | $ | 67,758 |  |  | $ | 51,106 |  |  | $ | 139,312 |  |  | $ | 717,541 |  |  | $ | 1,914 |  |  | $ | 1,146,270 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 414 |  |  | $ | 705 |  |  | $ | 356 |  |  | $ | 1,049 |  |  | $ | 1,000 |  |  | $ | 10,850 |  |  | $ | 12,767 |  |  | $ | — |  |  | $ | 27,141 |
Default | — |  |  | — |  |  | — |  |  | 19 |  |  | — |  |  | 39 |  |  | 16 |  |  | — |  |  | 74 |
Total other consumer | $ | 414 |  |  | $ | 705 |  |  | $ | 356 |  |  | $ | 1,068 |  |  | $ | 1,000 |  |  | $ | 10,889 |  |  | $ | 12,783 |  |  | $ | — |  |  | $ | 27,215 |
Total | $ | 497,485 |  |  | $ | 1,711,032 |  |  | $ | 1,267,076 |  |  | $ | 1,131,429 |  |  | $ | 879,559 |  |  | $ | 1,749,590 |  |  | $ | 1,674,656 |  |  | $ | 5,603 |  |  | $ | 8,916,430 |
(1)Loans originated as part of the Paycheck Protection Program ("PPP") established by the CARES Act are included within commercial and industrial under the 2021 and 2020 vintage year and "pass" category as these loans are 100% guaranteed by the U.S. Government. Outstanding PPP loans totaled $846.3 million as of March 31, 2021, including $506.3 million and $340.0 million originated in 2020 and 2021, respectively.
Foreclosed Residential Real Estate Property [Table Text Block] | The following table shows information regarding foreclosed residential real estate property at the dates indicated:
| March 31, 2021 |  | December 31, 2020
| (Dollars in thousands)
Foreclosed residential real estate property held by the creditor | $ | — |  |  | $ | — |
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure | $ | 1,628 |  |  | $ | 1,750 |
Financing Receivable Credit Quality Indicators For Consumer And Residential Portfolio Table Text Block | The following table shows the weighted average FICO scores and the weighted average combined LTV ratios at the dates indicated below:
| March 31 2021 |  | December 31 2020
Residential portfolio |  |  |
FICO score (re-scored)(1) | 749 |  |  | 749 |
LTV (re-valued)(2) | 56.5 | % |  | 57.4 | %
Home equity portfolio |  |  |
FICO score (re-scored)(1) | 772 |  |  | 771 |
LTV (re-valued)(2)(3) | 45.9 | % |  | 46.0 | %
(1)The average FICO scores at March 31, 2021 are based upon rescores from March 2021, as available for previously originated loans, or origination score data for loans booked in March 2021. The average FICO scores at December 31, 2020 were based upon rescores available from December 2020, as available for previously originated loans, or origination score data for loans booked in December 2020. (2)The combined LTV ratios for March 31, 2021 are based upon updated automated valuations as of February 2021, when available, and/or the most current valuation data available. The combined LTV ratios for December 31, 2020 were based upon updated automated valuations as of November 2020, when available, and/or the most current valuation data available as of such date. The updated automated valuations provide new information on loans that may be available since the previous valuation was obtained. If no new information is available, the valuation will default to the previously obtained data or most recent appraisal. (3)For home equity loans and lines in a subordinate lien, the LTV data represents a combined LTV, taking into account the senior lien data for loans and lines.
Financing Receivable, Past Due [Table Text Block] | The following tables show the age analysis of past due financing receivables as of the dates indicated:
| March 31, 2021
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  |  |  | Total Financing Receivables |  | Amortized Cost >90 Days and Accruing
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Current |
| (Dollars in thousands)
Loan Portfolio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 6 |  |  | $ | 510 |  |  | — |  |  | $ | — |  |  | 10 |  |  | $ | 141 |  |  | 16 |  |  | $ | 651 |  |  | $ | 2,086,020 |  |  | $ | 2,086,671 |  |  | $ | — |
Commercial real estate | 3 |  |  | 888 |  |  | — |  |  | — |  |  | 4 |  |  | 511 |  |  | 7 |  |  | 1,399 |  |  | 4,176,218 |  |  | 4,177,617 |  |  | — |
Commercial construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 516,362 |  |  | 516,362 |  |  | — |
Small business | 5 |  |  | 56 |  |  | 1 |  |  | 2 |  |  | 3 |  |  | 36 |  |  | 9 |  |  | 94 |  |  | 174,117 |  |  | 174,211 |  |  | — |
Residential real estate | 9 |  |  | 1,252 |  |  | 3 |  |  | 764 |  |  | 28 |  |  | 3,837 |  |  | 40 |  |  | 5,853 |  |  | 1,235,936 |  |  | 1,241,789 |  |  | — |
Home equity | 7 |  |  | 425 |  |  | 2 |  |  | 87 |  |  | 27 |  |  | 2,217 |  |  | 36 |  |  | 2,729 |  |  | 1,025,766 |  |  | 1,028,495 |  |  | — |
Other consumer (1) | 196 |  |  | 167 |  |  | 1 |  |  | 1 |  |  | 7 |  |  | 130 |  |  | 204 |  |  | 298 |  |  | 21,248 |  |  | 21,546 |  |  | 1 |
Total | 226 |  |  | $ | 3,298 |  |  | 7 |  |  | $ | 854 |  |  | 79 |  |  | $ | 6,872 |  |  | 312 |  |  | $ | 11,024 |  |  | $ | 9,235,667 |  |  | $ | 9,246,691 |  |  | $ | 1 |
| December 31, 2020
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  |  |  | Total Financing Receivables |  | Recorded Investment >90 Days and Accruing
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Current |
| (Dollars in thousands)
Loan Portfolio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 2 |  |  | $ | 318 |  |  | 1 |  |  | $ | 672 |  |  | 8 |  |  | $ | 785 |  |  | 11 |  |  | $ | 1,775 |  |  | $ | 2,101,377 |  |  | $ | 2,103,152 |  |  | $ | — |
Commercial real estate | 3 |  |  | 409 |  |  | — |  |  | — |  |  | 4 |  |  | 515 |  |  | 7 |  |  | 924 |  |  | 4,173,003 |  |  | 4,173,927 |  |  | — |
Commercial construction | — |  |  | — |  |  | 2 |  |  | 2,794 |  |  | — |  |  | — |  |  | 2 |  |  | 2,794 |  |  | 551,135 |  |  | 553,929 |  |  | — |
Small business | 14 |  |  | 421 |  |  | 6 |  |  | 273 |  |  | 4 |  |  | 59 |  |  | 24 |  |  | 753 |  |  | 174,270 |  |  | 175,023 |  |  | — |
Residential real estate | 12 |  |  | 2,150 |  |  | 8 |  |  | 5,507 |  |  | 27 |  |  | 3,648 |  |  | 47 |  |  | 11,305 |  |  | 1,284,878 |  |  | 1,296,183 |  |  | — |
Home equity | 10 |  |  | 733 |  |  | 5 |  |  | 203 |  |  | 33 |  |  | 2,633 |  |  | 48 |  |  | 3,569 |  |  | 1,065,221 |  |  | 1,068,790 |  |  | — |
Other consumer (1) | 260 |  |  | 137 |  |  | 3 |  |  | 1 |  |  | 6 |  |  | 138 |  |  | 269 |  |  | 276 |  |  | 21,586 |  |  | 21,862 |  |  | 1 |
Total | 301 |  |  | $ | 4,168 |  |  | 25 |  |  | $ | 9,450 |  |  | 82 |  |  | $ | 7,778 |  |  | 408 |  |  | $ | 21,396 |  |  | $ | 9,371,470 |  |  | $ | 9,392,866 |  |  | $ | 1 |
(1)Other consumer portfolio is inclusive of deposit account overdrafts recorded as loan balances.
Financing Receivable, Nonaccrual [Table Text Block] | The following table shows information regarding nonaccrual loans as of the dates indicated:
| Nonaccrual Balances
| March 31, 2021 |  | December 31, 2020
| With Allowance for Credit Losses |  | Without Allowance for Credit Losses |  | Total |  | With Allowance for Credit Losses |  | Without Allowance for Credit Losses |  | Total
| (Dollars in thousands)
Commercial and industrial | $ | 3,606 |  |  | $ | 26,179 |  |  | $ | 29,785 |  |  | $ | 3,804 |  |  | $ | 30,925 |  |  | $ | 34,729 |
Commercial real estate | 9,635 |  |  | — |  |  | 9,635 |  |  | 10,195 |  |  | — |  |  | 10,195 |
Small business | 660 |  |  | — |  |  | 660 |  |  | 815 |  |  | 10 |  |  | 825 |
Residential real estate | 8,870 |  |  | 4,522 |  |  | 13,392 |  |  | 10,935 |  |  | 4,593 |  |  | 15,528 |
Home equity | 5,592 |  |  | — |  |  | 5,592 |  |  | 5,427 |  |  | — |  |  | 5,427 |
Other consumer | 136 |  |  | — |  |  | 136 |  |  | 156 |  |  | — |  |  | 156 |
Total nonaccrual loans (1) | $ | 28,499 |  |  | $ | 30,701 |  |  | $ | 59,200 |  |  | $ | 31,332 |  |  | $ | 35,528 |  |  | $ | 66,860 |
(1)Included in these amounts were $21.2 million and $22.2 million of nonaccruing TDRs at March 31, 2021 and December 31, 2020, respectively.
Financing Receivable, Troubled Debt Restructuring [Table Text Block] | The following table shows the Company’s total TDRs and other pertinent information as of the dates indicated:
|  | March 31, 2021 |  | December 31, 2020
| (Dollars in thousands)
TDRs on accrual status |  | $ | 20,262 |  |  | $ | 16,983 |
TDRs on nonaccrual |  | 21,167 |  |  | 22,209 |
Total TDRs |  | $ | 41,429 |  |  | $ | 39,192 |
Additional commitments to lend to a borrower who has been a party to a TDR |  | $ | 466 |  |  | $ | 263 |
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods [Table Text Block] | The following table shows the troubled debt restructurings which occurred during the periods indicated and the change in the recorded investment subsequent to the modifications occurring:
| Three Months Ended |  |
| March 31, 2021 |  |
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  |  |  |  |  |
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial (1) | 1 |  |  | $ | 14,148 |  |  | $ | 14,148 |  |  |  |  |  |  |
Commercial real estate (1) | 5 |  |  | 3,964 |  |  | 3,964 |  |  |  |  |  |  |
Small business | 1 |  |  | 100 |  |  | 100 |  |  |  |  |  |  |
Total | 7 |  |  | $ | 18,212 |  |  | $ | 18,212 |  |  |  |  |  |  |
|  |  | Three Months Ended
|  |  | March 31, 2020
|  |  |  |  |  |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
|  |  |  |  |  |  | (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial (1) |  |  |  |  |  |  | 2 |  |  | $ | 268 |  |  | $ | 268 |
Commercial real estate (1) |  |  |  |  |  |  | 1 |  |  | 604 |  |  | 604 |
Small business |  |  |  |  |  |  | 1 |  |  | 49 |  |  | 25 |
Residential real estate |  |  |  |  |  |  | 1 |  |  | 177 |  |  | 209 |
Total |  |  |  |  |  |  | 5 |  |  | $ | 1,098 |  |  | $ | 1,106 |
(1)The pre-modification and post-modification balances represent the legal principal balance of the loan. During the first quarter of 2021 and 2020 there were two relationships amounting to $14.3 million and $872,000 that related to additional modifications on previously existing TDRs.
Troubled Debt Restructurings On Financing Receivables Post Modifications Table Text Block | The following table shows the Company’s post-modification balance of TDRs listed by type of modification for the periods indicated:
|  |  | Three Months Ended
|  |  | March 31
|  |  |  |  | 2021 |  | 2020
|  |  |  |  | (Dollars in thousands)
Adjusted interest rate |  |  |  |  | $ | — |  |  | $ | 604 |
Combination rate and maturity |  |  |  |  | 14,148 |  |  | — |
Court ordered concession |  |  |  |  | — |  |  | 25 |
Extended maturity |  |  |  |  | 4,064 |  |  | 477 |
Total |  |  |  |  | $ | 18,212 |  |  | $ | 1,106 |

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