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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2014
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans, net of unearned income are summarized as follows as of December 31:
| 2014 |  | 2013
| (in thousands)
Real estate – commercial mortgage | $ | 5,197,155 |  |  | $ | 5,101,922 |
Commercial – industrial, financial and agricultural | 3,725,567 |  |  | 3,628,420 |
Real estate – home equity | 1,736,688 |  |  | 1,764,197 |
Real estate – residential mortgage | 1,377,068 |  |  | 1,337,380 |
Real estate – construction | 690,601 |  |  | 573,672 |
Consumer | 265,431 |  |  | 283,124 |
Leasing and other | 127,562 |  |  | 99,256 |
Overdrafts | 4,021 |  |  | 4,045 |
Loans, gross of unearned income | 13,124,093 |  |  | 12,792,016 |
Unearned income | (12,377 | ) |  | (9,796 | )
Loans, net of unearned income | $ | 13,111,716 |  |  | $ | 12,782,220 |
Schedule of Allowance for Credit Losses | The following table presents the components of the allowance for credit losses as of December 31:
| 2014 |  | 2013 |  | 2012
| (in thousands)
Allowance for loan losses | $ | 184,144 |  |  | $ | 202,780 |  |  | $ | 223,903 |
Reserve for unfunded lending commitments | 1,787 |  |  | 2,137 |  |  | 1,536 |
Allowance for credit losses | $ | 185,931 |  |  | $ | 204,917 |  |  | $ | 225,439 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the allowance for credit losses for the years ended December 31:
| 2014 |  | 2013 |  | 2012
| (in thousands)
Balance at beginning of year | $ | 204,917 |  |  | $ | 225,439 |  |  | $ | 258,177 |
Loans charged off | (44,593 | ) |  | (80,212 | ) |  | (140,366 | )
Recoveries of loans previously charged off | 13,107 |  |  | 19,190 |  |  | 13,628 |
Net loans charged off | (31,486 | ) |  | (61,022 | ) |  | (126,738 | )
Provision for credit losses | 12,500 |  |  | 40,500 |  |  | 94,000 |
Balance at end of year | $ | 185,931 |  |  | $ | 204,917 |  |  | $ | 225,439 |
The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31 and loans, net of unearned income, and their related allowance for loan losses, by portfolio segment, as of December 31:
| Real Estate - Commercial Mortgage |  | Commercial - Industrial, Financial and Agricultural |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Leasing and other and Overdrafts |  | Unallocated (1) |  | Total
| (in thousands)
Balance at December 31, 2012 | $ | 62,928 |  |  | $ | 60,205 |  |  | $ | 22,776 |  |  | $ | 34,536 |  |  | $ | 17,287 |  |  | $ | 2,367 |  |  | $ | 2,752 |  |  | $ | 21,052 |  |  | $ | 223,903 |
Loans charged off | (20,829 | ) |  | (30,383 | ) |  | (8,193 | ) |  | (9,705 | ) |  | (6,572 | ) |  | (1,877 | ) |  | (2,653 | ) |  | — |  |  | (80,212 | )
Recoveries of loans previously charged off | 3,494 |  |  | 9,281 |  |  | 860 |  |  | 548 |  |  | 2,682 |  |  | 1,518 |  |  | 807 |  |  | — |  |  | 19,190 |
Net loans charged off | (17,335 | ) |  | (21,102 | ) |  | (7,333 | ) |  | (9,157 | ) |  | (3,890 | ) |  | (359 | ) |  | (1,846 | ) |  | — |  |  | (61,022 | )
Provision for loan losses (2) | 10,066 |  |  | 11,227 |  |  | 12,779 |  |  | 7,703 |  |  | (748 | ) |  | 1,252 |  |  | 2,464 |  |  | (4,844 | ) |  | 39,899 |
Balance at December 31, 2013 | 55,659 |  |  | 50,330 |  |  | 28,222 |  |  | 33,082 |  |  | 12,649 |  |  | 3,260 |  |  | 3,370 |  |  | 16,208 |  |  | 202,780 |
Loans charged off | (6,004 | ) |  | (24,516 | ) |  | (5,486 | ) |  | (2,918 | ) |  | (1,209 | ) |  | (2,325 | ) |  | (2,135 | ) |  | — |  |  | (44,593 | )
Recoveries of loans previously charged off | 1,960 |  |  | 4,256 |  |  | 1,025 |  |  | 451 |  |  | 3,177 |  |  | 1,322 |  |  | 916 |  |  | — |  |  | 13,107 |
Net loans charged off | (4,044 | ) |  | (20,260 | ) |  | (4,461 | ) |  | (2,467 | ) |  | 1,968 |  |  | (1,003 | ) |  | (1,219 | ) |  | — |  |  | (31,486 | )
Provision for loan losses (2) | 1,878 |  |  | 21,308 |  |  | 4,510 |  |  | (1,543 | ) |  | (4,861 | ) |  | 758 |  |  | (352 | ) |  | (8,848 | ) |  | 12,850 |
Balance at December 31, 2014 | $ | 53,493 |  |  | $ | 51,378 |  |  | $ | 28,271 |  |  | $ | 29,072 |  |  | $ | 9,756 |  |  | $ | 3,015 |  |  | $ | 1,799 |  |  | $ | 7,360 |  |  | $ | 184,144 |
Allowance for loan losses at December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 36,778 |  |  | $ | 38,348 |  |  | $ | 19,047 |  |  | $ | 10,480 |  |  | $ | 6,485 |  |  | $ | 2,980 |  |  | $ | 1,799 |  |  | $ | 7,360 |  |  | $ | 123,277 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 16,715 |  |  | 13,030 |  |  | 9,224 |  |  | 18,592 |  |  | 3,271 |  |  | 35 |  |  | — |  |  | N/A |  |  | 60,867 |
| $ | 53,493 |  |  | $ | 51,378 |  |  | $ | 28,271 |  |  | $ | 29,072 |  |  | $ | 9,756 |  |  | $ | 3,015 |  |  | $ | 1,799 |  |  | $ | 7,360 |  |  | $ | 184,144 |
Loans, net of unearned income at December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,133,896 |  |  | $ | 3,690,561 |  |  | $ | 1,723,230 |  |  | $ | 1,325,717 |  |  | $ | 665,012 |  |  | $ | 265,393 |  |  | $ | 119,206 |  |  | N/A |  |  | $ | 12,923,015 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 63,259 |  |  | 35,006 |  |  | 13,458 |  |  | 51,351 |  |  | 25,589 |  |  | 38 |  |  | — |  |  | N/A |  |  | 188,701 |
| $ | 5,197,155 |  |  | $ | 3,725,567 |  |  | $ | 1,736,688 |  |  | $ | 1,377,068 |  |  | $ | 690,601 |  |  | $ | 265,431 |  |  | $ | 119,206 |  |  | N/A |  |  | $ | 13,111,716 |
Allowance for loan losses at December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 41,215 |  |  | $ | 36,263 |  |  | $ | 19,163 |  |  | $ | 11,337 |  |  | $ | 8,778 |  |  | $ | 3,248 |  |  | $ | 3,370 |  |  | $ | 16,208 |  |  | $ | 139,582 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 14,444 |  |  | 14,067 |  |  | 9,059 |  |  | 21,745 |  |  | 3,871 |  |  | 12 |  |  | — |  |  | N/A |  |  | 63,198 |
| $ | 55,659 |  |  | $ | 50,330 |  |  | $ | 28,222 |  |  | $ | 33,082 |  |  | $ | 12,649 |  |  | $ | 3,260 |  |  | $ | 3,370 |  |  | $ | 16,208 |  |  | $ | 202,780 |
Loans, net of unearned income at December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,041,598 |  |  | $ | 3,583,665 |  |  | $ | 1,749,560 |  |  | $ | 1,286,283 |  |  | $ | 542,634 |  |  | $ | 283,111 |  |  | $ | 93,505 |  |  | N/A |  |  | $ | 12,580,356 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 60,324 |  |  | 44,755 |  |  | 14,637 |  |  | 51,097 |  |  | 31,038 |  |  | 13 |  |  | — |  |  | N/A |  |  | 201,864 |
| $ | 5,101,922 |  |  | $ | 3,628,420 |  |  | $ | 1,764,197 |  |  | $ | 1,337,380 |  |  | $ | 573,672 |  |  | $ | 283,124 |  |  | $ | 93,505 |  |  | N/A |  |  | $ | 12,782,220 |
(1) | The Corporation’s unallocated allowance, which was approximately 4% and 8% of the total allowance for credit losses as of December 31, 2014 and December 31, 2013, respectively, was, in the opinion of management, reasonable and appropriate given that the estimates used in the allocation process are inherently imprecise.
(2) | For the year ended December 31, 2014, the provision for loan losses excluded a $350,000 decrease in the reserve for unfunded lending commitments. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $12.5 million for the year ended December 31, 2014. For the year ended December 31, 2013, the provision for loan losses excluded a $601,000 increase in the reserve for unfunded lending commitments. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $40.5 million for the year ended December 31, 2013.
N/A – Not applicable.
Total Impaired Loans by Class Segment | The following table presents total impaired loans by class segment as of December 31:
| 2014 |  | 2013
| Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance
| (in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | $ | 25,802 |  |  | $ | 23,236 |  |  | $ | — |  |  | $ | 28,892 |  |  | $ | 24,494 |  |  | $ | — |
Commercial - secured | 17,599 |  |  | 14,582 |  |  | — |  |  | 23,890 |  |  | 21,383 |  |  | — |
Real estate - home equity | — |  |  | — |  |  | — |  |  | 399 |  |  | 300 |  |  | — |
Real estate - residential mortgage | 4,873 |  |  | 4,873 |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - commercial residential | 18,041 |  |  | 14,801 |  |  | — |  |  | 18,468 |  |  | 13,265 |  |  | — |
Construction - commercial | 1,707 |  |  | 1,581 |  |  | — |  |  | 3,471 |  |  | 2,451 |  |  | — |
| 68,022 |  |  | 59,073 |  |  |  |  | 75,120 |  |  | 61,893 |  |  |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 49,619 |  |  | 40,023 |  |  | 16,715 |  |  | 43,282 |  |  | 35,830 |  |  | 14,444 |
Commercial - secured | 24,824 |  |  | 19,335 |  |  | 12,165 |  |  | 34,267 |  |  | 22,324 |  |  | 13,315 |
Commercial - unsecured | 1,241 |  |  | 1,089 |  |  | 865 |  |  | 1,113 |  |  | 1,048 |  |  | 752 |
Real estate - home equity | 19,392 |  |  | 13,458 |  |  | 9,224 |  |  | 20,383 |  |  | 14,337 |  |  | 9,059 |
Real estate - residential mortgage | 56,607 |  |  | 46,478 |  |  | 18,592 |  |  | 63,682 |  |  | 51,097 |  |  | 21,745 |
Construction - commercial residential | 14,007 |  |  | 7,903 |  |  | 2,675 |  |  | 22,594 |  |  | 12,777 |  |  | 2,646 |
Construction - commercial | 1,501 |  |  | 1,023 |  |  | 459 |  |  | 3,660 |  |  | 1,997 |  |  | 924 |
Construction - other | 452 |  |  | 281 |  |  | 137 |  |  | 719 |  |  | 548 |  |  | 301 |
Consumer - indirect | 20 |  |  | 19 |  |  | 18 |  |  | 2 |  |  | 2 |  |  | 2 |
Consumer - direct | 19 |  |  | 19 |  |  | 17 |  |  | 11 |  |  | 11 |  |  | 10 |
| 167,682 |  |  | 129,628 |  |  | 60,867 |  |  | 189,713 |  |  | 139,971 |  |  | 63,198 |
Total | $ | 235,704 |  |  | $ | 188,701 |  |  | $ | 60,867 |  |  | $ | 264,833 |  |  | $ | 201,864 |  |  | $ | 63,198 |
As of December 31, 2014 and 2013, there were $59.1 million and $61.9 million, respectively, of impaired loans that did not have a related allowance for loan loss. The estimated fair values of the collateral securing these loans exceeded their carrying amount, or the loans have been charged down to realizable collateral values. Accordingly, no specific valuation allowance was considered to be necessary. The following table presents average impaired loans, by class segment, for the years ended December 31:
| 2014 |  | 2013 |  | 2012
| Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1) |  | Average Recorded Investment |  | Interest Income Recognized (1)
| (in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | $ | 23,467 |  |  | $ | 320 |  |  | $ | 28,603 |  |  | $ | 489 |  |  | $ | 41,575 |  |  | $ | 538 |
Commercial - secured | 18,928 |  |  | 119 |  |  | 30,299 |  |  | 173 |  |  | 26,443 |  |  | 50 |
Commercial - unsecured | — |  |  | — |  |  | 26 |  |  | — |  |  | 52 |  |  | — |
Real estate - home equity | 180 |  |  | 1 |  |  | 262 |  |  | 1 |  |  | 433 |  |  | 2 |
Real estate - residential mortgage | 1,532 |  |  | 31 |  |  | 695 |  |  | 25 |  |  | 989 |  |  | 45 |
Construction - commercial residential | 15,421 |  |  | 227 |  |  | 19,847 |  |  | 256 |  |  | 27,361 |  |  | 185 |
Construction - commercial | 1,907 |  |  | — |  |  | 3,480 |  |  | 2 |  |  | 3,492 |  |  | 19 |
| 61,435 |  |  | 698 |  |  | 83,212 |  |  | 946 |  |  | 100,345 |  |  | 839 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 38,240 |  |  | 524 |  |  | 44,136 |  |  | 706 |  |  | 64,739 |  |  | 755 |
Commercial - secured | 20,991 |  |  | 129 |  |  | 27,919 |  |  | 153 |  |  | 45,217 |  |  | 97 |
Commercial - unsecured | 895 |  |  | 3 |  |  | 1,411 |  |  | 5 |  |  | 2,604 |  |  | 6 |
Real estate - home equity | 13,976 |  |  | 108 |  |  | 14,092 |  |  | 65 |  |  | 8,017 |  |  | 23 |
Real estate - residential mortgage | 50,281 |  |  | 1,178 |  |  | 52,251 |  |  | 1,210 |  |  | 44,791 |  |  | 1,446 |
Construction - commercial residential | 8,723 |  |  | 136 |  |  | 11,219 |  |  | 168 |  |  | 19,284 |  |  | 130 |
Construction - commercial | 1,900 |  |  | — |  |  | 2,468 |  |  | 3 |  |  | 2,233 |  |  | 17 |
Construction - other | 387 |  |  | — |  |  | 523 |  |  | 1 |  |  | 974 |  |  | 7 |
Consumer - indirect | 7 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |
Consumer - direct | 16 |  |  | 1 |  |  | 19 |  |  | — |  |  | 84 |  |  | — |
Leasing and other and overdrafts | — |  |  | — |  |  | 11 |  |  | — |  |  | 83 |  |  | — |
| 135,416 |  |  | 2,079 |  |  | 154,050 |  |  | 2,311 |  |  | 188,026 |  |  | 2,481 |
Total | $ | 196,851 |  |  | $ | 2,777 |  |  | $ | 237,262 |  |  | $ | 3,257 |  |  | $ | 288,371 |  |  | $ | 3,320 |
(1) | All impaired loans, excluding accruing TDRs, were non-accrual loans. Interest income recognized for the years ended December 31, 2014, 2013 and 2012 represents amounts earned on accruing TDRs.
Financing Receivable Credit Quality Indicators | The following table presents internal credit risk ratings for real estate - commercial mortgages, commercial - secured loans, commercial - unsecured loans, construction - commercial residential loans and construction - commercial loans as of December 31:
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| 2014 |  | 2013 |  | 2014 |  | 2013 |  | 2014 |  | 2013 |  | 2014 |  | 2013
| (dollars in thousands)
Real estate - commercial mortgage | $ | 4,899,016 |  |  | $ | 4,763,987 |  |  | $ | 127,302 |  |  | $ | 141,013 |  |  | $ | 170,837 |  |  | $ | 196,922 |  |  | $ | 5,197,155 |  |  | $ | 5,101,922 |
Commercial - secured | 3,333,486 |  |  | 3,167,168 |  |  | 120,584 |  |  | 111,613 |  |  | 110,544 |  |  | 125,382 |  |  | 3,564,614 |  |  | 3,404,163 |
Commercial -unsecured | 146,680 |  |  | 209,836 |  |  | 7,463 |  |  | 11,666 |  |  | 6,810 |  |  | 2,755 |  |  | 160,953 |  |  | 224,257 |
Total commercial - industrial, financial and agricultural | 3,480,166 |  |  | 3,377,004 |  |  | 128,047 |  |  | 123,279 |  |  | 117,354 |  |  | 128,137 |  |  | 3,725,567 |  |  | 3,628,420 |
Construction - commercial residential | 136,109 |  |  | 117,680 |  |  | 27,495 |  |  | 30,946 |  |  | 40,066 |  |  | 55,309 |  |  | 203,670 |  |  | 203,935 |
Construction - commercial | 409,631 |  |  | 286,802 |  |  | 12,202 |  |  | 3,508 |  |  | 5,586 |  |  | 10,621 |  |  | 427,419 |  |  | 300,931 |
Total real estate - construction (excluding construction - other) | 545,740 |  |  | 404,482 |  |  | 39,697 |  |  | 34,454 |  |  | 45,652 |  |  | 65,930 |  |  | 631,089 |  |  | 504,866 |
Total | $ | 8,924,922 |  |  | $ | 8,545,473 |  |  | $ | 295,046 |  |  | $ | 298,746 |  |  | $ | 333,843 |  |  | $ | 390,989 |  |  | $ | 9,553,811 |  |  | $ | 9,235,208 |
% of Total | 93.4 | % |  | 92.6 | % |  | 3.1 | % |  | 3.2 | % |  | 3.5 | % |  | 4.2 | % |  | 100.0 | % |  | 100.0 | %
The following table presents the delinquency and non-performing status of home equity, real estate - residential mortgages, construction loans to individuals, consumer, leasing and other loans by class segment as of December 31:
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| 2014 |  | 2013 |  | 2014 |  | 2013 |  | 2014 |  | 2013 |  | 2014 |  | 2013
| (dollars in thousands)
Real estate - home equity | $ | 1,711,017 |  |  | $ | 1,731,185 |  |  | $ | 10,931 |  |  | $ | 16,029 |  |  | $ | 14,740 |  |  | $ | 16,983 |  |  | $ | 1,736,688 |  |  | $ | 1,764,197 |
Real estate - residential mortgage | 1,321,139 |  |  | 1,282,754 |  |  | 26,934 |  |  | 23,279 |  |  | 28,995 |  |  | 31,347 |  |  | 1,377,068 |  |  | 1,337,380 |
Real estate - construction - other | 59,180 |  |  | 68,258 |  |  | — |  |  | — |  |  | 332 |  |  | 548 |  |  | 59,512 |  |  | 68,806 |
Consumer - direct | 104,018 |  |  | 126,666 |  |  | 2,891 |  |  | 3,586 |  |  | 2,414 |  |  | 2,391 |  |  | 109,323 |  |  | 132,643 |
Consumer - indirect | 153,358 |  |  | 147,017 |  |  | 2,574 |  |  | 3,312 |  |  | 176 |  |  | 152 |  |  | 156,108 |  |  | 150,481 |
Total consumer | 257,376 |  |  | 273,683 |  |  | 5,465 |  |  | 6,898 |  |  | 2,590 |  |  | 2,543 |  |  | 265,431 |  |  | 283,124 |
Leasing and other and overdrafts | 118,550 |  |  | 92,876 |  |  | 523 |  |  | 581 |  |  | 133 |  |  | 48 |  |  | 119,206 |  |  | 93,505 |
Total | $ | 3,467,262 |  |  | $ | 3,448,756 |  |  | $ | 43,853 |  |  | $ | 46,787 |  |  | $ | 46,790 |  |  | $ | 51,469 |  |  | $ | 3,557,905 |  |  | $ | 3,547,012 |
% of Total | 97.5 | % |  | 97.2 | % |  | 1.2 | % |  | 1.3 | % |  | 1.3 | % |  | 1.5 | % |  | 100.0 | % |  | 100.0 | %
(1)Includes all accruing loans 30 days to 89 days past due. (2)Includes all accruing loans 90 days or more past due and all non-accrual loans
Non-Performing Assets | The following table presents non-performing assets as of December 31:
| 2014 |  | 2013
| (in thousands)
Non-accrual loans | $ | 121,080 |  |  | $ | 133,753 |
Accruing loans greater than 90 days past due | 17,402 |  |  | 20,524 |
Total non-performing loans | 138,482 |  |  | 154,277 |
Other real estate owned | 12,022 |  |  | 15,052 |
Total non-performing assets | $ | 150,504 |  |  | $ | 169,329 |
Troubled Debt Restructurings on Financing Receivables | The following table presents loans whose terms were modified under TDRs as of December 31:
| 2014 |  | 2013
| (in thousands)
Real-estate - residential mortgage | $ | 31,308 |  |  | $ | 28,815 |
Real-estate - commercial mortgage | 18,822 |  |  | 19,758 |
Construction - commercial residential | 9,241 |  |  | 9,889 |
Commercial - secured | 5,170 |  |  | 7,933 |
Real estate - home equity | 2,975 |  |  | 1,365 |
Commercial - unsecured | 67 |  |  | 112 |
Consumer - direct | 19 |  |  | 11 |
Consumer - indirect | 19 |  |  | — |
Construction - commercial | — |  |  | 228 |
Total accruing TDRs | 67,621 |  |  | 68,111 |
Non-accrual TDRs (1) | 24,616 |  |  | 30,209 |
Total TDRs | $ | 92,237 |  |  | $ | 98,320 |
(1)Included within non-accrual loans in the preceding table
Loan Terms Modified Under Troubled Debt Restructurings during The Period By Class Segment | . The following table presents TDRs by class segment as of December 31, 2014 and 2013 that were modified during the years ended December 31, 2014 and 2013:
| 2014 |  | 2013
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Real estate - commercial mortgage | 8 |  | $ | 6,841 |  |  | 16 |  | $ | 9,439 |
Construction - commercial residential | 3 |  | 3,616 |  |  | 3 |  | 5,285 |
Real estate - residential mortgage | 23 |  | 2,407 |  |  | 49 |  | 9,611 |
Real estate - home equity | 30 |  | 1,551 |  |  | 36 |  | 2,602 |
Commercial - secured | 11 |  | 1,955 |  |  | 8 |  | 1,699 |
Consumer - indirect | 4 |  | 20 |  |  | — |  | — |
Consumer - direct | 7 |  | 7 |  |  | 12 |  | 1 |
Commercial - unsecured | — |  | — |  |  | 1 |  | 12 |
| 86 |  | $ | 16,397 |  |  | 125 |  | $ | 28,649 |
Schedule Of TDRs Modified Last 12 Months Which Had Payment Default In 2014 | The following table presents TDRs, by class segment, as of December 31, 2014 and 2013 that were modified during the years ended December 31, 2014 and 2013 and had a post-modification payment default during their respective year of modification. The Corporation defines a payment default as a single missed scheduled payment:
| 2014 |  | 2013
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Construction - commercial residential | 2 |  | $ | 1,803 |  |  | 1 |  | $ | 568 |
Real estate - commercial mortgage | 2 |  | 1,660 |  |  | 6 |  | 3,683 |
Real estate - residential mortgage | 11 |  | 1,430 |  |  | 19 |  | 4,211 |
Commercial - secured | 4 |  | 1,208 |  |  | 2 |  | 108 |
Real estate - home equity | 11 |  | 961 |  |  | 15 |  | 1,249 |
Consumer - direct | 1 |  | 1 |  |  | — |  | — |
| 31 |  | $ | 7,063 |  |  | 43 |  | $ | 9,819 |
Past due Loan Status and Non-Accrual Loans by Portfolio Segment | The following table presents past due status and non-accrual loans by portfolio segment and class segment as of December 31:
| 2014
| 31-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Total ≥ 90 Days |  | Total Past Due |  | Current |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 14,399 |  |  | $ | 3,677 |  |  | $ | 800 |  |  | $ | 44,437 |  |  | $ | 45,237 |  |  | $ | 63,313 |  |  | $ | 5,133,842 |  |  | $ | 5,197,155 |
Commercial - secured | 4,839 |  |  | 958 |  |  | 610 |  |  | 28,747 |  |  | 29,357 |  |  | 35,154 |  |  | 3,529,460 |  |  | 3,564,614 |
Commercial - unsecured | 395 |  |  | 65 |  |  | 9 |  |  | 1,022 |  |  | 1,031 |  |  | 1,491 |  |  | 159,462 |  |  | 160,953 |
Total Commercial - industrial, financial and agricultural | 5,234 |  |  | 1,023 |  |  | 619 |  |  | 29,769 |  |  | 30,388 |  |  | 36,645 |  |  | 3,688,922 |  |  | 3,725,567 |
Real estate - home equity | 8,048 |  |  | 2,883 |  |  | 4,257 |  |  | 10,483 |  |  | 14,740 |  |  | 25,671 |  |  | 1,711,017 |  |  | 1,736,688 |
Real estate - residential mortgage | 18,789 |  |  | 8,145 |  |  | 8,952 |  |  | 20,043 |  |  | 28,995 |  |  | 55,929 |  |  | 1,321,139 |  |  | 1,377,068 |
Construction - commercial | — |  |  | — |  |  | — |  |  | 2,604 |  |  | 2,604 |  |  | 2,604 |  |  | 424,815 |  |  | 427,419 |
Construction - commercial residential | 160 |  |  | — |  |  | — |  |  | 13,463 |  |  | 13,463 |  |  | 13,623 |  |  | 190,047 |  |  | 203,670 |
Construction - other | — |  |  | — |  |  | 51 |  |  | 281 |  |  | 332 |  |  | 332 |  |  | 59,180 |  |  | 59,512 |
Total Real estate - construction | 160 |  |  | — |  |  | 51 |  |  | 16,348 |  |  | 16,399 |  |  | 16,559 |  |  | 674,042 |  |  | 690,601 |
Consumer - direct | 2,034 |  |  | 857 |  |  | 2,414 |  |  | — |  |  | 2,414 |  |  | 5,305 |  |  | 104,018 |  |  | 109,323 |
Consumer - indirect | 2,156 |  |  | 418 |  |  | 176 |  |  | — |  |  | 176 |  |  | 2,750 |  |  | 153,358 |  |  | 156,108 |
Total Consumer | 4,190 |  |  | 1,275 |  |  | 2,590 |  |  | — |  |  | 2,590 |  |  | 8,055 |  |  | 257,376 |  |  | 265,431 |
Leasing and other and overdrafts | 357 |  |  | 166 |  |  | 133 |  |  | — |  |  | 133 |  |  | 656 |  |  | 118,550 |  |  | 119,206 |
| $ | 51,177 |  |  | $ | 17,169 |  |  | $ | 17,402 |  |  | $ | 121,080 |  |  | $ | 138,482 |  |  | $ | 206,828 |  |  | $ | 12,904,888 |  |  | $ | 13,111,716 |
| 2013
| 31-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Total ≥ 90 Days |  | Total Past Due |  | Current |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 15,474 |  |  | $ | 4,009 |  |  | $ | 3,502 |  |  | $ | 40,566 |  |  | $ | 44,068 |  |  | $ | 63,551 |  |  | $ | 5,038,371 |  |  | $ | 5,101,922 |
Commercial - secured | 8,916 |  |  | 1,365 |  |  | 1,311 |  |  | 35,774 |  |  | 37,085 |  |  | 47,366 |  |  | 3,356,797 |  |  | 3,404,163 |
Commercial - unsecured | 332 |  |  | 125 |  |  | — |  |  | 936 |  |  | 936 |  |  | 1,393 |  |  | 222,864 |  |  | 224,257 |
Total Commercial - industrial, financial and agricultural | 9,248 |  |  | 1,490 |  |  | 1,311 |  |  | 36,710 |  |  | 38,021 |  |  | 48,759 |  |  | 3,579,661 |  |  | 3,628,420 |
Real estate - home equity | 13,555 |  |  | 2,474 |  |  | 3,711 |  |  | 13,272 |  |  | 16,983 |  |  | 33,012 |  |  | 1,731,185 |  |  | 1,764,197 |
Real estate - residential mortgage | 16,969 |  |  | 6,310 |  |  | 9,065 |  |  | 22,282 |  |  | 31,347 |  |  | 54,626 |  |  | 1,282,754 |  |  | 1,337,380 |
Construction - commercial | 14 |  |  | 375 |  |  | — |  |  | 4,220 |  |  | 4,220 |  |  | 4,609 |  |  | 296,322 |  |  | 300,931 |
Construction - commercial residential | — |  |  | 270 |  |  | 346 |  |  | 16,153 |  |  | 16,499 |  |  | 16,769 |  |  | 187,166 |  |  | 203,935 |
Construction - other | — |  |  | — |  |  | — |  |  | 548 |  |  | 548 |  |  | 548 |  |  | 68,258 |  |  | 68,806 |
Total Real estate - construction | 14 |  |  | 645 |  |  | 346 |  |  | 20,921 |  |  | 21,267 |  |  | 21,926 |  |  | 551,746 |  |  | 573,672 |
Consumer - direct | 2,091 |  |  | 1,495 |  |  | 2,391 |  |  | — |  |  | 2,391 |  |  | 5,977 |  |  | 126,666 |  |  | 132,643 |
Consumer - indirect | 2,864 |  |  | 448 |  |  | 150 |  |  | 2 |  |  | 152 |  |  | 3,464 |  |  | 147,017 |  |  | 150,481 |
Total Consumer | 4,955 |  |  | 1,943 |  |  | 2,541 |  |  | 2 |  |  | 2,543 |  |  | 9,441 |  |  | 273,683 |  |  | 283,124 |
Leasing and other and overdrafts | 559 |  |  | 22 |  |  | 48 |  |  | — |  |  | 48 |  |  | 629 |  |  | 92,876 |  |  | 93,505 |
| $ | 60,774 |  |  | $ | 16,893 |  |  | $ | 20,524 |  |  | $ | 133,753 |  |  | $ | 154,277 |  |  | $ | 231,944 |  |  | $ | 12,550,276 |  |  | $ | 12,782,220 |

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