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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2016
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans, net of unearned income are summarized as follows:
| March 31, 2016 |  | December 31, 2015
| (in thousands)
Real-estate - commercial mortgage | $ | 5,558,108 |  |  | $ | 5,462,330 |
Commercial - industrial, financial and agricultural | 4,035,333 |  |  | 4,088,962 |
Real-estate - home equity | 1,659,481 |  |  | 1,684,439 |
Real-estate - residential mortgage | 1,377,459 |  |  | 1,376,160 |
Real-estate - construction | 810,872 |  |  | 799,988 |
Consumer | 263,221 |  |  | 268,588 |
Leasing and other | 179,765 |  |  | 170,914 |
Overdrafts | 2,379 |  |  | 2,737 |
Loans, gross of unearned income | 13,886,618 |  |  | 13,854,118 |
Unearned income | (15,917 | ) |  | (15,516 | )
Loans, net of unearned income | $ | 13,870,701 |  |  | $ | 13,838,602 |
Schedule of Allowance for Credit Losses | The following table presents the components of the allowance for credit losses:
| March 31, 2016 |  | December 31, 2015
| (in thousands)
Allowance for loan losses | $ | 163,841 |  |  | $ | 169,054 |
Reserve for unfunded lending commitments | 2,224 |  |  | 2,358 |
Allowance for credit losses | $ | 166,065 |  |  | $ | 171,412 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the allowance for credit losses:
| Three months ended March 31
| 2016 |  | 2015
| (in thousands)
Balance at beginning of period | $ | 171,412 |  |  | $ | 185,931 |
Loans charged off | (11,155 | ) |  | (5,764 | )
Recoveries of loans previously charged off | 4,278 |  |  | 3,191 |
Net loans charged off | (6,877 | ) |  | (2,573 | )
Provision for credit losses | 1,530 |  |  | (3,700 | )
Balance at end of period | $ | 166,065 |  |  | $ | 179,658 |
The following table presents the activity in the allowance for loan losses by portfolio segment:
| Real Estate - Commercial Mortgage |  | Commercial - Industrial, Financial and Agricultural |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Leasing, other and overdrafts |  | Unallocated |  | Total
| (in thousands)
Three months ended March 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2015 | $ | 47,866 |  |  | $ | 57,098 |  |  | $ | 22,405 |  |  | $ | 21,375 |  |  | $ | 6,529 |  |  | $ | 2,585 |  |  | $ | 2,468 |  |  | $ | 8,728 |  |  | $ | 169,054 |
Loans charged off | (582 | ) |  | (6,188 | ) |  | (1,541 | ) |  | (1,068 | ) |  | (326 | ) |  | (1,007 | ) |  | (443 | ) |  | — |  |  | (11,155 | )
Recoveries of loans previously charged off | 825 |  |  | 2,319 |  |  | 338 |  |  | 136 |  |  | 383 |  |  | 196 |  |  | 81 |  |  | — |  |  | 4,278 |
Net loans charged off | 243 |  |  | (3,869 | ) |  | (1,203 | ) |  | (932 | ) |  | 57 |  |  | (811 | ) |  | (362 | ) |  | — |  |  | (6,877 | )
Provision for loan losses (1) | 202 |  |  | 1,104 |  |  | 1,322 |  |  | (515 | ) |  | (304 | ) |  | 550 |  |  | 868 |  |  | (1,563 | ) |  | 1,664 |
Balance at March 31, 2016 | $ | 48,311 |  |  | $ | 54,333 |  |  | $ | 22,524 |  |  | $ | 19,928 |  |  | $ | 6,282 |  |  | $ | 2,324 |  |  | $ | 2,974 |  |  | $ | 7,165 |  |  | $ | 163,841 |
Three months ended March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2014 | $ | 53,493 |  |  | $ | 51,378 |  |  | $ | 28,271 |  |  | $ | 29,072 |  |  | $ | 9,756 |  |  | $ | 3,015 |  |  | $ | 1,799 |  |  | $ | 7,360 |  |  | $ | 184,144 |
Loans charged off | (709 | ) |  | (1,863 | ) |  | (768 | ) |  | (1,281 | ) |  | — |  |  | (780 | ) |  | (363 | ) |  | — |  |  | (5,764 | )
Recoveries of loans previously charged off | 436 |  |  | 786 |  |  | 251 |  |  | 159 |  |  | 1,147 |  |  | 241 |  |  | 171 |  |  | — |  |  | 3,191 |
Net loans charged off | (273 | ) |  | (1,077 | ) |  | (517 | ) |  | (1,122 | ) |  | 1,147 |  |  | (539 | ) |  | (192 | ) |  | — |  |  | (2,573 | )
Provision for loan losses (1) | (360 | ) |  | 6,849 |  |  | (4,273 | ) |  | (4,715 | ) |  | (2,416 | ) |  | 51 |  |  | 46 |  |  | 948 |  |  | (3,870 | )
Balance at March 31, 2015 | $ | 52,860 |  |  | $ | 57,150 |  |  | $ | 23,481 |  |  | $ | 23,235 |  |  | $ | 8,487 |  |  | $ | 2,527 |  |  | $ | 1,653 |  |  | $ | 8,308 |  |  | $ | 177,701 |
(1) | The provision for loan losses excluded a $134,000 decrease and a $170,000 increase, respectively, in the reserve for unfunded lending commitments for the three months ended March 31, 2016 and 2015. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $1.5 million and negative $3.7 million for the three months ended March 31, 2016 and 2015, respectively.
The following table presents loans, net of unearned income and their related allowance for loan losses, by portfolio segment:
| Real Estate - Commercial Mortgage |  | Commercial - Industrial, Financial and Agricultural |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Leasing, other and overdrafts |  | Unallocated (1) |  | Total
| (in thousands)
Allowance for loan losses at March 31, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 35,914 |  |  | $ | 40,969 |  |  | $ | 13,541 |  |  | $ | 7,599 |  |  | $ | 4,004 |  |  | $ | 2,302 |  |  | $ | 1,756 |  |  | $ | 7,165 |  |  | $ | 113,250 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 12,397 |  |  | 13,364 |  |  | 8,983 |  |  | 12,329 |  |  | 2,278 |  |  | 22 |  |  | 1,218 |  |  | N/A |  |  | 50,591 |
| $ | 48,311 |  |  | $ | 54,333 |  |  | $ | 22,524 |  |  | $ | 19,928 |  |  | $ | 6,282 |  |  | $ | 2,324 |  |  | $ | 2,974 |  |  | $ | 7,165 |  |  | $ | 163,841 |
Loans, net of unearned income at March 31, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,499,820 |  |  | $ | 3,992,567 |  |  | $ | 1,641,457 |  |  | $ | 1,329,114 |  |  | $ | 797,282 |  |  | $ | 263,189 |  |  | $ | 164,806 |  |  | N/A |  |  | $ | 13,688,235 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 58,288 |  |  | 42,766 |  |  | 18,024 |  |  | 48,345 |  |  | 13,590 |  |  | 32 |  |  | 1,421 |  |  | N/A |  |  | 182,466 |
| $ | 5,558,108 |  |  | $ | 4,035,333 |  |  | $ | 1,659,481 |  |  | $ | 1,377,459 |  |  | $ | 810,872 |  |  | $ | 263,221 |  |  | $ | 166,227 |  |  | N/A |  |  | $ | 13,870,701 |
Allowance for loan losses at March 31, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 38,916 |  |  | $ | 40,027 |  |  | $ | 16,937 |  |  | $ | 9,162 |  |  | $ | 6,037 |  |  | $ | 2,504 |  |  | $ | 1,653 |  |  | $ | 8,308 |  |  | $ | 123,544 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 13,944 |  |  | 17,123 |  |  | 6,544 |  |  | 14,073 |  |  | 2,450 |  |  | 23 |  |  | — |  |  | N/A |  |  | 54,157 |
| $ | 52,860 |  |  | $ | 57,150 |  |  | $ | 23,481 |  |  | $ | 23,235 |  |  | $ | 8,487 |  |  | $ | 2,527 |  |  | $ | 1,653 |  |  | $ | 8,308 |  |  | $ | 177,701 |
Loans, net of unearned income at March 31, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,157,342 |  |  | $ | 3,716,037 |  |  | $ | 1,688,869 |  |  | $ | 1,312,861 |  |  | $ | 656,021 |  |  | $ | 257,265 |  |  | $ | 124,255 |  |  | N/A |  |  | $ | 12,912,650 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 69,759 |  |  | 46,594 |  |  | 12,754 |  |  | 51,927 |  |  | 21,785 |  |  | 36 |  |  | — |  |  | N/A |  |  | 202,855 |
| $ | 5,227,101 |  |  | $ | 3,762,631 |  |  | $ | 1,701,623 |  |  | $ | 1,364,788 |  |  | $ | 677,806 |  |  | $ | 257,301 |  |  | $ | 124,255 |  |  | N/A |  |  | $ | 13,115,505 |
(1) | The unallocated allowance, which was approximately 4% and 5% of the total allowance for credit losses, respectively, as of March 31, 2016 and March 31, 2015, was, in the opinion of management, reasonable and appropriate given that the estimates used in the allocation process are inherently imprecise.
N/A - Not applicable
Total Impaired Loans by Class Segment | The following table presents total impaired loans by class segment:
| March 31, 2016 |  | December 31, 2015
| 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 | $ | 26,361 |  |  | $ | 23,023 |  |  | $ | — |  |  | $ | 27,872 |  |  | $ | 22,596 |  |  | $ | — |
Commercial - secured | 14,638 |  |  | 12,227 |  |  | — |  |  | 18,012 |  |  | 13,702 |  |  | — |
Real estate - residential mortgage | 6,395 |  |  | 6,211 |  |  | — |  |  | 4,790 |  |  | 4,790 |  |  | — |
Construction - commercial residential | 6,916 |  |  | 6,298 |  |  | — |  |  | 9,916 |  |  | 8,865 |  |  | — |
| 54,310 |  |  | 47,759 |  |  |  |  | 60,590 |  |  | 49,953 |  |  |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 44,849 |  |  | 35,265 |  |  | 12,397 |  |  | 45,189 |  |  | 35,698 |  |  | 12,471 |
Commercial - secured | 34,752 |  |  | 29,655 |  |  | 12,850 |  |  | 39,659 |  |  | 33,629 |  |  | 14,085 |
Commercial - unsecured | 1,039 |  |  | 884 |  |  | 514 |  |  | 971 |  |  | 821 |  |  | 498 |
Real estate - home equity | 23,115 |  |  | 18,024 |  |  | 8,983 |  |  | 20,347 |  |  | 15,766 |  |  | 7,993 |
Real estate - residential mortgage | 50,803 |  |  | 42,134 |  |  | 12,329 |  |  | 55,242 |  |  | 45,635 |  |  | 13,422 |
Construction - commercial residential | 9,774 |  |  | 6,088 |  |  | 1,851 |  |  | 9,949 |  |  | 6,290 |  |  | 2,110 |
Construction - commercial | 815 |  |  | 594 |  |  | 201 |  |  | 820 |  |  | 638 |  |  | 217 |
Construction - other | 747 |  |  | 610 |  |  | 226 |  |  | 331 |  |  | 193 |  |  | 68 |
Consumer - direct | 20 |  |  | 20 |  |  | 14 |  |  | 19 |  |  | 19 |  |  | 14 |
Consumer - indirect | 12 |  |  | 12 |  |  | 8 |  |  | 14 |  |  | 14 |  |  | 8 |
Leasing, other and overdrafts | 1,421 |  |  | 1,421 |  |  | 1,218 |  |  | 1,658 |  |  | 1,425 |  |  | 704 |
| 167,347 |  |  | 134,707 |  |  | 50,591 |  |  | 174,199 |  |  | 140,128 |  |  | 51,590 |
Total | $ | 221,657 |  |  | $ | 182,466 |  |  | $ | 50,591 |  |  | $ | 234,789 |  |  | $ | 190,081 |  |  | $ | 51,590 |
As of March 31, 2016 and December 31, 2015, there were $47.8 million and $50.0 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 they were previously 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:
| Three months ended March 31
| 2016 |  | 2015
| Average Recorded Investment |  | Interest Income (1) |  | Average Recorded Investment |  | Interest Income (1)
| (in thousands)
With no related allowance recorded: |  |  |  |  |  |  |
Real estate - commercial mortgage | $ | 22,810 |  |  | $ | 69 |  |  | $ | 26,849 |  |  | $ | 91 |
Commercial - secured | 12,964 |  |  | 16 |  |  | 14,676 |  |  | 21 |
Real estate - residential mortgage | 5,501 |  |  | 30 |  |  | 4,866 |  |  | 28 |
Construction - commercial residential | 7,582 |  |  | 19 |  |  | 14,222 |  |  | 55 |
Construction - commercial | — |  |  | — |  |  | 1,138 |  |  | — |
| 48,857 |  |  | 134 |  |  | 61,751 |  |  | 195 |
With a related allowance recorded: |  |  |  |  |  |  |
Real estate - commercial mortgage | 35,482 |  |  | 108 |  |  | 39,660 |  |  | 133 |
Commercial - secured | 31,642 |  |  | 38 |  |  | 24,950 |  |  | 36 |
Commercial - unsecured | 853 |  |  | 1 |  |  | 1,175 |  |  | 1 |
Real estate - home equity | 16,896 |  |  | 57 |  |  | 13,106 |  |  | 31 |
Real estate - residential mortgage | 43,885 |  |  | 235 |  |  | 46,774 |  |  | 273 |
Construction - commercial residential | 6,189 |  |  | 15 |  |  | 7,247 |  |  | 28 |
Construction - commercial | 616 |  |  | — |  |  | 800 |  |  | — |
Construction - other | 402 |  |  | — |  |  | 281 |  |  | — |
Consumer - direct | 17 |  |  | — |  |  | 18 |  |  | — |
Consumer - indirect | 16 |  |  | — |  |  | 19 |  |  | — |
Leasing, other and overdrafts | 1,423 |  |  | — |  |  | — |  |  | — |
| 137,421 |  |  | 454 |  |  | 134,030 |  |  | 502 |
Total | $ | 186,278 |  |  | $ | 588 |  |  | $ | 195,781 |  |  | $ | 697 |
(1) | All impaired loans, excluding accruing TDRs, were non-accrual loans. Interest income recognized for the three months ended March 31, 2016 and 2015 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:
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015
| (dollars in thousands)
Real estate - commercial mortgage | $ | 5,283,340 |  |  | $ | 5,204,263 |  |  | $ | 121,889 |  |  | $ | 102,625 |  |  | $ | 152,879 |  |  | $ | 155,442 |  |  | $ | 5,558,108 |  |  | $ | 5,462,330 |
Commercial - secured | 3,668,743 |  |  | 3,696,692 |  |  | 78,508 |  |  | 92,711 |  |  | 134,446 |  |  | 136,710 |  |  | 3,881,697 |  |  | 3,926,113 |
Commercial - unsecured | 147,630 |  |  | 156,742 |  |  | 2,634 |  |  | 2,761 |  |  | 3,372 |  |  | 3,346 |  |  | 153,636 |  |  | 162,849 |
Total commercial - industrial, financial and agricultural | 3,816,373 |  |  | 3,853,434 |  |  | 81,142 |  |  | 95,472 |  |  | 137,818 |  |  | 140,056 |  |  | 4,035,333 |  |  | 4,088,962 |
Construction - commercial residential | 146,590 |  |  | 140,337 |  |  | 17,068 |  |  | 17,154 |  |  | 18,621 |  |  | 21,812 |  |  | 182,279 |  |  | 179,303 |
Construction - commercial | 559,351 |  |  | 552,710 |  |  | 2,842 |  |  | 3,684 |  |  | 4,623 |  |  | 3,597 |  |  | 566,816 |  |  | 559,991 |
Total construction (excluding Construction - other) | 705,941 |  |  | 693,047 |  |  | 19,910 |  |  | 20,838 |  |  | 23,244 |  |  | 25,409 |  |  | 749,095 |  |  | 739,294 |
| $ | 9,805,654 |  |  | $ | 9,750,744 |  |  | $ | 222,941 |  |  | $ | 218,935 |  |  | $ | 313,941 |  |  | $ | 320,907 |  |  | $ | 10,342,536 |  |  | $ | 10,290,586 |
% of Total | 94.8 | % |  | 94.8 | % |  | 2.2 | % |  | 2.1 | % |  | 3.0 | % |  | 3.1 | % |  | 100.0 | % |  | 100.0 | %
The following is a summary of the Corporation's internal risk rating categories:
• | Pass: These loans do not currently pose undue credit risk and can range from the highest to average quality, depending on the degree of potential risk.
• | Special Mention: These loans constitute an undue and unwarranted credit risk, but not to a point of justifying a classification of substandard. Loans in this category are currently acceptable, but are nevertheless potentially weak.
• | Substandard or Lower: These loans are inadequately protected by current sound worth and paying capacity of the borrower. There exists a well-defined weakness or weaknesses that jeopardize the normal repayment of the debt.
The risk rating process allows management to identify credits that potentially carry more risk in a timely manner and to allocate resources to managing troubled accounts. The Corporation believes that internal risk ratings are the most relevant credit quality indicator for the class segments presented above. The migration of loans through the various internal risk rating categories is a significant component of the allowance for credit loss methodology, which bases the probability of default on this migration. Assigning risk ratings involves judgment. Risk ratings are initially assigned to loans by loan officers and are reviewed on a regular basis by credit administration staff. The Corporation's loan review officers provide a separate assessment of risk rating accuracy. Ratings may be changed based on the ongoing monitoring procedures performed by loan officers or credit administration staff, or if specific loan review activities identify a deterioration or an improvement in the loan. The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, consumer, lease receivables and construction loans to individuals secured by residential real estate. For these loans, the most relevant credit quality indicator is delinquency status. The migration of loans through the various delinquency status categories is a significant component of the allowance for credit losses methodology for those loans, which bases the probability of default on this migration. The following table presents a summary of delinquency and non-performing status for home equity, real estate - residential mortgages, construction loans to individuals and consumer, leasing and other loans by class segment:
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015 |  | March 31, 2016 |  | December 31, 2015
| (dollars in thousands)
Real estate - home equity | $ | 1,636,040 |  |  | $ | 1,660,773 |  |  | $ | 9,033 |  |  | $ | 8,983 |  |  | $ | 14,408 |  |  | $ | 14,683 |  |  | $ | 1,659,481 |  |  | $ | 1,684,439 |
Real estate - residential mortgage | 1,334,744 |  |  | 1,329,371 |  |  | 17,533 |  |  | 18,305 |  |  | 25,182 |  |  | 28,484 |  |  | 1,377,459 |  |  | 1,376,160 |
Construction - other | 60,481 |  |  | 59,997 |  |  | 686 |  |  | 88 |  |  | 610 |  |  | 609 |  |  | 61,777 |  |  | 60,694 |
Consumer - direct | 90,204 |  |  | 94,262 |  |  | 1,662 |  |  | 2,254 |  |  | 1,597 |  |  | 2,203 |  |  | 93,463 |  |  | 98,719 |
Consumer - indirect | 167,863 |  |  | 166,823 |  |  | 1,690 |  |  | 2,809 |  |  | 205 |  |  | 237 |  |  | 169,758 |  |  | 169,869 |
Total consumer | 258,067 |  |  | 261,085 |  |  | 3,352 |  |  | 5,063 |  |  | 1,802 |  |  | 2,440 |  |  | 263,221 |  |  | 268,588 |
Leasing, overdrafts and other | 164,002 |  |  | 155,870 |  |  | 711 |  |  | 759 |  |  | 1,514 |  |  | 1,506 |  |  | 166,227 |  |  | 158,135 |
| $ | 3,453,334 |  |  | $ | 3,467,096 |  |  | $ | 31,315 |  |  | $ | 33,198 |  |  | $ | 43,516 |  |  | $ | 47,722 |  |  | $ | 3,528,165 |  |  | $ | 3,548,016 |
% of Total | 97.9 | % |  | 97.7 | % |  | 0.9 | % |  | 1.0 | % |  | 1.2 | % |  | 1.3 | % |  | 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:
| March 31, 2016 |  | December 31, 2015
| (in thousands)
Non-accrual loans | $ | 122,170 |  |  | $ | 129,523 |
Loans 90 days or more past due and still accruing | 15,013 |  |  | 15,291 |
Total non-performing loans | 137,183 |  |  | 144,814 |
Other real estate owned (OREO) | 10,946 |  |  | 11,099 |
Total non-performing assets | $ | 148,129 |  |  | $ | 155,913 |
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:
| March 31, 2016
| 30-59 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 | $ | 6,604 |  |  | $ | 1,824 |  |  | $ | 2,271 |  |  | $ | 40,861 |  |  | $ | 43,132 |  |  | $ | 51,560 |  |  | $ | 5,506,548 |  |  | $ | 5,558,108 |
Commercial - secured | 16,053 |  |  | 3,194 |  |  | 2,024 |  |  | 36,360 |  |  | 38,384 |  |  | 57,631 |  |  | 3,824,066 |  |  | 3,881,697 |
Commercial - unsecured | 415 |  |  | — |  |  | — |  |  | 756 |  |  | 756 |  |  | 1,171 |  |  | 152,465 |  |  | 153,636 |
Total commercial - industrial, financial and agricultural | 16,468 |  |  | 3,194 |  |  | 2,024 |  |  | 37,116 |  |  | 39,140 |  |  | 58,802 |  |  | 3,976,531 |  |  | 4,035,333 |
Real estate - home equity | 7,024 |  |  | 2,009 |  |  | 2,914 |  |  | 11,494 |  |  | 14,408 |  |  | 23,441 |  |  | 1,636,040 |  |  | 1,659,481 |
Real estate - residential mortgage | 12,136 |  |  | 5,397 |  |  | 4,402 |  |  | 20,780 |  |  | 25,182 |  |  | 42,715 |  |  | 1,334,744 |  |  | 1,377,459 |
Construction - commercial residential | 1,550 |  |  | 1,967 |  |  | 1,495 |  |  | 9,294 |  |  | 10,789 |  |  | 14,306 |  |  | 167,973 |  |  | 182,279 |
Construction - commercial | — |  |  | — |  |  | 12 |  |  | 594 |  |  | 606 |  |  | 606 |  |  | 566,210 |  |  | 566,816 |
Construction - other | 686 |  |  | — |  |  | — |  |  | 610 |  |  | 610 |  |  | 1,296 |  |  | 60,481 |  |  | 61,777 |
Total real estate - construction | 2,236 |  |  | 1,967 |  |  | 1,507 |  |  | 10,498 |  |  | 12,005 |  |  | 16,208 |  |  | 794,664 |  |  | 810,872 |
Consumer - direct | 1,068 |  |  | 594 |  |  | 1,597 |  |  | — |  |  | 1,597 |  |  | 3,259 |  |  | 90,204 |  |  | 93,463 |
Consumer - indirect | 1,483 |  |  | 207 |  |  | 205 |  |  | — |  |  | 205 |  |  | 1,895 |  |  | 167,863 |  |  | 169,758 |
Total consumer | 2,551 |  |  | 801 |  |  | 1,802 |  |  | — |  |  | 1,802 |  |  | 5,154 |  |  | 258,067 |  |  | 263,221 |
Leasing, overdrafts and other | 615 |  |  | 96 |  |  | 93 |  |  | 1,421 |  |  | 1,514 |  |  | 2,225 |  |  | 164,002 |  |  | 166,227 |
Total | $ | 47,634 |  |  | $ | 15,288 |  |  | $ | 15,013 |  |  | $ | 122,170 |  |  | $ | 137,183 |  |  | $ | 200,105 |  |  | $ | 13,670,596 |  |  | $ | 13,870,701 |
| December 31, 2015
| 30-59 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 | $ | 6,469 |  |  | $ | 1,312 |  |  | $ | 439 |  |  | $ | 40,731 |  |  | $ | 41,170 |  |  | $ | 48,951 |  |  | $ | 5,413,379 |  |  | $ | 5,462,330 |
Commercial - secured | 5,654 |  |  | 2,615 |  |  | 1,853 |  |  | 41,498 |  |  | 43,351 |  |  | 51,620 |  |  | 3,874,493 |  |  | 3,926,113 |
Commercial - unsecured | 510 |  |  | 83 |  |  | 19 |  |  | 701 |  |  | 720 |  |  | 1,313 |  |  | 161,536 |  |  | 162,849 |
Total commercial - industrial, financial and agricultural | 6,164 |  |  | 2,698 |  |  | 1,872 |  |  | 42,199 |  |  | 44,071 |  |  | 52,933 |  |  | 4,036,029 |  |  | 4,088,962 |
Real estate - home equity | 6,438 |  |  | 2,545 |  |  | 3,473 |  |  | 11,210 |  |  | 14,683 |  |  | 23,666 |  |  | 1,660,773 |  |  | 1,684,439 |
Real estate - residential mortgage | 15,141 |  |  | 3,164 |  |  | 6,570 |  |  | 21,914 |  |  | 28,484 |  |  | 46,789 |  |  | 1,329,371 |  |  | 1,376,160 |
Construction - commercial residential | 1,366 |  |  | 494 |  |  | — |  |  | 11,213 |  |  | 11,213 |  |  | 13,073 |  |  | 166,230 |  |  | 179,303 |
Construction - commercial | 50 |  |  | 176 |  |  | — |  |  | 638 |  |  | 638 |  |  | 864 |  |  | 559,127 |  |  | 559,991 |
Construction - other | 88 |  |  | — |  |  | 416 |  |  | 193 |  |  | 609 |  |  | 697 |  |  | 59,997 |  |  | 60,694 |
Total real estate - construction | 1,504 |  |  | 670 |  |  | 416 |  |  | 12,044 |  |  | 12,460 |  |  | 14,634 |  |  | 785,354 |  |  | 799,988 |
Consumer - direct | 1,687 |  |  | 567 |  |  | 2,203 |  |  | — |  |  | 2,203 |  |  | 4,457 |  |  | 94,262 |  |  | 98,719 |
Consumer - indirect | 2,308 |  |  | 501 |  |  | 237 |  |  | — |  |  | 237 |  |  | 3,046 |  |  | 166,823 |  |  | 169,869 |
Total consumer | 3,995 |  |  | 1,068 |  |  | 2,440 |  |  | — |  |  | 2,440 |  |  | 7,503 |  |  | 261,085 |  |  | 268,588 |
Leasing, overdrafts and other | 483 |  |  | 276 |  |  | 81 |  |  | 1,425 |  |  | 1,506 |  |  | 2,265 |  |  | 155,870 |  |  | 158,135 |
Total | $ | 40,194 |  |  | $ | 11,733 |  |  | $ | 15,291 |  |  | $ | 129,523 |  |  | $ | 144,814 |  |  | $ | 196,741 |  |  | $ | 13,641,861 |  |  | $ | 13,838,602 |
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs:
| March 31, 2016 |  | December 31, 2015
| (in thousands)
Real-estate - residential mortgage | $ | 27,565 |  |  | $ | 28,511 |
Real-estate - commercial mortgage | 17,427 |  |  | 17,563 |
Commercial - secured | 5,522 |  |  | 5,833 |
Construction - commercial residential | 3,092 |  |  | 3,942 |
Real estate - home equity | 6,530 |  |  | 4,556 |
Commercial - unsecured | 128 |  |  | 120 |
Consumer - indirect | 12 |  |  | 14 |
Consumer - direct | 20 |  |  | 19 |
Total accruing TDRs | 60,296 |  |  | 60,558 |
Non-accrual TDRs (1) | 27,277 |  |  | 31,035 |
Total TDRs | $ | 87,573 |  |  | $ | 91,593 |
(1) | Included in non-accrual loans in the preceding table detailing non-performing assets
Loan Terms Modified Under Troubled Debt Restructurings | The following table presents TDRs, by class segment as of March 31, 2016 and 2015, that were modified during the three months ended March 31, 2016 and 2015:
| 2016 |  | 2015
Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment
| (dollars in thousands)
Commercial – secured: |  |  |  |  |  |  |
| Extend maturity without rate concession | 2 |  |  | $ | 830 |  |  | 8 |  |  | $ | 6,776 |
Commercial – unsecured: |  |  |  |  |  |  |
| Extend maturity without rate concession | 2 |  |  | 103 |  |  | 1 |  |  | 42 |
Real estate - commercial mortgage: |  |  |  |  |  |  |
| Extend maturity without rate concession | — |  |  | — |  |  | 3 |  |  | 2,495 |
Real estate - home equity: |  |  |  |  |  |  |
| Extend maturity with rate concession | 1 |  |  | 44 |  |  | — |  |  | — |
| Bankruptcy | 37 |  |  | 2,698 |  |  | 10 |  |  | 492 |
Real estate – residential mortgage: |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | — |  |  | 1 |  |  | 104 |
| Extend maturity without rate concession | — |  |  | — |  |  | 2 |  |  | 225 |
| Bankruptcy | — |  |  | — |  |  | 1 |  |  | 281 |
Construction - commercial residential: |  |  |  |  |  |  |
| Extend maturity without rate concession | — |  |  | — |  |  | 1 |  |  | 889 |
Consumer - direct: |  |  |  |  |  |  |
| Bankruptcy | 1 |  |  | 2 |  |  | — |  |  | — |
Consumer - indirect: |  |  |  |  |  |  |
| Bankruptcy | — |  |  | — |  |  | 1 |  |  | 13 |
Total | 43 |  |  | $ | 3,677 |  |  | 28 |  |  | $ | 11,317 |
The following table presents TDRs, by class segment, as of March 31, 2016 and 2015, that were modified in the previous 12 months and had a post-modification payment default during the three months ended March 31, 2016 and 2015. The Corporation defines a payment default as a single missed payment.
| 2016 |  | 2015
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Real estate - home equity | 14 |  | $ | 1,039 |  |  | 7 |  | $ | 816 |
Real estate - residential mortgage | 3 |  | 260 |  |  | 8 |  | 748 |
Real estate - commercial mortgage | 3 |  | 235 |  |  | 2 |  | 1,659 |
Commercial - secured | 1 |  | 47 |  |  | 7 |  | 7,888 |
Construction - commercial residential | — |  | — |  |  | 1 |  | 1,366 |
Total | 21 |  | $ | 1,581 |  |  | 25 |  | $ | 12,477 |

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