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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2016
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans, net of unearned income are summarized as follows:
| June 30, 2016 |  | December 31, 2015
| (in thousands)
Real-estate - commercial mortgage | $ | 5,635,347 |  |  | $ | 5,462,330 |
Commercial - industrial, financial and agricultural | 4,099,177 |  |  | 4,088,962 |
Real-estate - home equity | 1,647,319 |  |  | 1,684,439 |
Real-estate - residential mortgage | 1,447,292 |  |  | 1,376,160 |
Real-estate - construction | 853,699 |  |  | 799,988 |
Consumer | 278,071 |  |  | 268,588 |
Leasing and other | 208,602 |  |  | 170,914 |
Overdrafts | 3,214 |  |  | 2,737 |
Loans, gross of unearned income | 14,172,721 |  |  | 13,854,118 |
Unearned income | (17,562 | ) |  | (15,516 | )
Loans, net of unearned income | $ | 14,155,159 |  |  | $ | 13,838,602 |
Schedule of Allowance for Credit Losses | The following table presents the components of the allowance for credit losses:
| June 30, 2016 |  | December 31, 2015
| (in thousands)
Allowance for loan losses | $ | 162,546 |  |  | $ | 169,054 |
Reserve for unfunded lending commitments | 2,562 |  |  | 2,358 |
Allowance for credit losses | $ | 165,108 |  |  | $ | 171,412 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the allowance for credit losses:
| Three months ended June 30 |  | Six months ended June 30
| 2016 |  | 2015 |  | 2016 |  | 2015
| (in thousands)
Balance at beginning of period | $ | 166,065 |  |  | $ | 179,658 |  |  | $ | 171,412 |  |  | $ | 185,931 |
Loans charged off | (10,746 | ) |  | (15,372 | ) |  | (21,901 | ) |  | (21,136 | )
Recoveries of loans previously charged off | 7,278 |  |  | 2,967 |  |  | 11,556 |  |  | 6,158 |
Net loans charged off | (3,468 | ) |  | (12,405 | ) |  | (10,345 | ) |  | (14,978 | )
Provision for credit losses | 2,511 |  |  | 2,200 |  |  | 4,041 |  |  | (1,500 | )
Balance at end of period | $ | 165,108 |  |  | $ | 169,453 |  |  | $ | 165,108 |  |  | $ | 169,453 |
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 June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2016 | $ | 48,311 |  |  | $ | 54,333 |  |  | $ | 22,524 |  |  | $ | 19,928 |  |  | $ | 6,282 |  |  | $ | 2,324 |  |  | $ | 2,974 |  |  | $ | 7,165 |  |  | $ | 163,841 |
Loans charged off | (1,474 | ) |  | (4,625 | ) |  | (1,045 | ) |  | (340 | ) |  | (742 | ) |  | (569 | ) |  | (1,951 | ) |  | — |  |  | (10,746 | )
Recoveries of loans previously charged off | 1,367 |  |  | 2,931 |  |  | 350 |  |  | 420 |  |  | 1,563 |  |  | 539 |  |  | 108 |  |  | — |  |  | 7,278 |
Net loans charged off | (107 | ) |  | (1,694 | ) |  | (695 | ) |  | 80 |  |  | 821 |  |  | (30 | ) |  | (1,843 | ) |  | — |  |  | (3,468 | )
Provision for loan losses (1) | (4,464 | ) |  | (884 | ) |  | 4,341 |  |  | 1,218 |  |  | (1,331 | ) |  | 690 |  |  | 1,387 |  |  | 1,216 |  |  | 2,173 |
Balance at June 30, 2016 | $ | 43,740 |  |  | $ | 51,755 |  |  | $ | 26,170 |  |  | $ | 21,226 |  |  | $ | 5,772 |  |  | $ | 2,984 |  |  | $ | 2,518 |  |  | $ | 8,381 |  |  | $ | 162,546 |
Three months ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2015 | $ | 52,860 |  |  | $ | 57,150 |  |  | $ | 23,481 |  |  | $ | 23,235 |  |  | $ | 8,487 |  |  | $ | 2,527 |  |  | $ | 1,653 |  |  | $ | 8,308 |  |  | $ | 177,701 |
Loans charged off | (1,642 | ) |  | (11,166 | ) |  | (870 | ) |  | (783 | ) |  | (87 | ) |  | (357 | ) |  | (467 | ) |  | — |  |  | (15,372 | )
Recoveries of loans previously charged off | 451 |  |  | 1,471 |  |  | 189 |  |  | 187 |  |  | 231 |  |  | 368 |  |  | 70 |  |  | — |  |  | 2,967 |
Net loans charged off | (1,191 | ) |  | (9,695 | ) |  | (681 | ) |  | (596 | ) |  | 144 |  |  | 11 |  |  | (397 | ) |  | — |  |  | (12,405 | )
Provision for loan losses (1) | (989 | ) |  | 1,715 |  |  | (294 | ) |  | 148 |  |  | (882 | ) |  | 70 |  |  | 359 |  |  | 2,062 |  |  | 2,189 |
Balance at June 30, 2015 | $ | 50,680 |  |  | $ | 49,170 |  |  | $ | 22,506 |  |  | $ | 22,787 |  |  | $ | 7,749 |  |  | $ | 2,608 |  |  | $ | 1,615 |  |  | $ | 10,370 |  |  | $ | 167,485 |
Six months ended June 30, 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 | (2,056 | ) |  | (10,813 | ) |  | (2,586 | ) |  | (1,408 | ) |  | (1,068 | ) |  | (1,576 | ) |  | (2,394 | ) |  | — |  |  | (21,901 | )
Recoveries of loans previously charged off | 2,192 |  |  | 5,250 |  |  | 688 |  |  | 556 |  |  | 1,946 |  |  | 735 |  |  | 189 |  |  | — |  |  | 11,556 |
Net loans charged off | 136 |  |  | (5,563 | ) |  | (1,898 | ) |  | (852 | ) |  | 878 |  |  | (841 | ) |  | (2,205 | ) |  | — |  |  | (10,345 | )
Provision for loan losses (1) | (4,262 | ) |  | 220 |  |  | 5,663 |  |  | 703 |  |  | (1,635 | ) |  | 1,240 |  |  | 2,255 |  |  | (347 | ) |  | 3,837 |
Balance at June 30, 2016 | $ | 43,740 |  |  | $ | 51,755 |  |  | $ | 26,170 |  |  | $ | 21,226 |  |  | $ | 5,772 |  |  | $ | 2,984 |  |  | $ | 2,518 |  |  | $ | 8,381 |  |  | $ | 162,546 |
Six months ended June 30, 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 | (2,351 | ) |  | (13,029 | ) |  | (1,638 | ) |  | (2,064 | ) |  | (87 | ) |  | (1,137 | ) |  | (830 | ) |  | — |  |  | (21,136 | )
Recoveries of loans previously charged off | 887 |  |  | 2,257 |  |  | 440 |  |  | 346 |  |  | 1,378 |  |  | 609 |  |  | 241 |  |  | — |  |  | 6,158 |
Net loans charged off | (1,464 | ) |  | (10,772 | ) |  | (1,198 | ) |  | (1,718 | ) |  | 1,291 |  |  | (528 | ) |  | (589 | ) |  | — |  |  | (14,978 | )
Provision for loan losses (1) | (1,349 | ) |  | 8,564 |  |  | (4,567 | ) |  | (4,567 | ) |  | (3,298 | ) |  | 121 |  |  | 405 |  |  | 3,010 |  |  | (1,681 | )
Balance at June 30, 2015 | $ | 50,680 |  |  | $ | 49,170 |  |  | $ | 22,506 |  |  | $ | 22,787 |  |  | $ | 7,749 |  |  | $ | 2,608 |  |  | $ | 1,615 |  |  | $ | 10,370 |  |  | $ | 167,485 |
(1) | The provision for loan losses excluded a $338,000 and $204,000 increase, respectively, in the reserve for unfunded lending commitments for the three and six months ended June 30, 2016 and an $11,000 and $181,000 increase, respectively, in the reserve for unfunded lending commitments for the three and six months ended June 30, 2015. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $2.5 million and $4.0 million for the three and six months ended June 30, 2016, respectively, and $2.2 million and a negative $1.5 million for the three and six months ended June 30, 2015.
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 June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 32,861 |  |  | $ | 40,945 |  |  | $ | 17,089 |  |  | $ | 9,044 |  |  | $ | 4,004 |  |  | $ | 2,971 |  |  | $ | 2,518 |  |  | $ | 8,381 |  |  | $ | 117,813 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 10,879 |  |  | 10,810 |  |  | 9,081 |  |  | 12,182 |  |  | 1,768 |  |  | 13 |  |  | — |  |  | N/A |  |  | 44,733 |
| $ | 43,740 |  |  | $ | 51,755 |  |  | $ | 26,170 |  |  | $ | 21,226 |  |  | $ | 5,772 |  |  | $ | 2,984 |  |  | $ | 2,518 |  |  | $ | 8,381 |  |  | $ | 162,546 |
Loans, net of unearned income at June 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,582,027 |  |  | $ | 4,057,883 |  |  | $ | 1,629,443 |  |  | $ | 1,399,399 |  |  | $ | 841,193 |  |  | $ | 278,053 |  |  | $ | 194,254 |  |  | N/A |  |  | $ | 13,982,252 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 53,320 |  |  | 41,294 |  |  | 17,876 |  |  | 47,893 |  |  | 12,506 |  |  | 18 |  |  | — |  |  | N/A |  |  | 172,907 |
| $ | 5,635,347 |  |  | $ | 4,099,177 |  |  | $ | 1,647,319 |  |  | $ | 1,447,292 |  |  | $ | 853,699 |  |  | $ | 278,071 |  |  | $ | 194,254 |  |  | N/A |  |  | $ | 14,155,159 |
Allowance for loan losses at June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 37,228 |  |  | $ | 38,090 |  |  | $ | 15,838 |  |  | $ | 8,763 |  |  | $ | 5,430 |  |  | $ | 2,588 |  |  | $ | 1,615 |  |  | $ | 10,370 |  |  | $ | 119,922 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 13,452 |  |  | 11,080 |  |  | 6,668 |  |  | 14,024 |  |  | 2,319 |  |  | 20 |  |  | — |  |  | N/A |  |  | 47,563 |
| $ | 50,680 |  |  | $ | 49,170 |  |  | $ | 22,506 |  |  | $ | 22,787 |  |  | $ | 7,749 |  |  | $ | 2,608 |  |  | $ | 1,615 |  |  | $ | 10,370 |  |  | $ | 167,485 |
Loans, net of unearned income at June 30, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Measured for impairment under FASB ASC Subtopic 450-20 | $ | 5,172,333 |  |  | $ | 3,764,999 |  |  | $ | 1,676,410 |  |  | $ | 1,315,908 |  |  | $ | 712,975 |  |  | $ | 272,463 |  |  | $ | 136,521 |  |  | N/A |  |  | $ | 13,051,609 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 65,467 |  |  | 41,700 |  |  | 13,278 |  |  | 53,195 |  |  | 18,950 |  |  | 31 |  |  | — |  |  | N/A |  |  | 192,621 |
| $ | 5,237,800 |  |  | $ | 3,806,699 |  |  | $ | 1,689,688 |  |  | $ | 1,369,103 |  |  | $ | 731,925 |  |  | $ | 272,494 |  |  | $ | 136,521 |  |  | N/A |  |  | $ | 13,244,230 |
(1) | The unallocated allowance, which was approximately 5% and 6% of the total allowance for credit losses, respectively, as of June 30, 2016 and 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:
| June 30, 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 | $ | 25,452 |  |  | $ | 22,501 |  |  | $ | — |  |  | $ | 27,872 |  |  | $ | 22,596 |  |  | $ | — |
Commercial - secured | 21,458 |  |  | 18,137 |  |  | — |  |  | 18,012 |  |  | 13,702 |  |  | — |
Real estate - residential mortgage | 6,353 |  |  | 6,171 |  |  | — |  |  | 4,790 |  |  | 4,790 |  |  | — |
Construction - commercial residential | 7,743 |  |  | 6,543 |  |  | — |  |  | 9,916 |  |  | 8,865 |  |  | — |
| 61,006 |  |  | 53,352 |  |  |  |  | 60,590 |  |  | 49,953 |  |  |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 41,420 |  |  | 30,819 |  |  | 10,879 |  |  | 45,189 |  |  | 35,698 |  |  | 12,471 |
Commercial - secured | 27,349 |  |  | 22,183 |  |  | 10,230 |  |  | 39,659 |  |  | 33,629 |  |  | 14,085 |
Commercial - unsecured | 1,182 |  |  | 974 |  |  | 580 |  |  | 971 |  |  | 821 |  |  | 498 |
Real estate - home equity | 22,944 |  |  | 17,876 |  |  | 9,081 |  |  | 20,347 |  |  | 15,766 |  |  | 7,993 |
Real estate - residential mortgage | 49,976 |  |  | 41,722 |  |  | 12,182 |  |  | 55,242 |  |  | 45,635 |  |  | 13,422 |
Construction - commercial residential | 8,610 |  |  | 5,043 |  |  | 1,447 |  |  | 9,949 |  |  | 6,290 |  |  | 2,110 |
Construction - commercial | 731 |  |  | 504 |  |  | 166 |  |  | 820 |  |  | 638 |  |  | 217 |
Construction - other | 416 |  |  | 416 |  |  | 155 |  |  | 331 |  |  | 193 |  |  | 68 |
Consumer - direct | 18 |  |  | 18 |  |  | 13 |  |  | 19 |  |  | 19 |  |  | 14 |
Consumer - indirect | — |  |  | — |  |  | — |  |  | 14 |  |  | 14 |  |  | 8 |
Leasing, other and overdrafts | — |  |  | — |  |  | — |  |  | 1,658 |  |  | 1,425 |  |  | 704 |
| 152,646 |  |  | 119,555 |  |  | 44,733 |  |  | 174,199 |  |  | 140,128 |  |  | 51,590 |
Total | $ | 213,652 |  |  | $ | 172,907 |  |  | $ | 44,733 |  |  | $ | 234,789 |  |  | $ | 190,081 |  |  | $ | 51,590 |
As of June 30, 2016 and December 31, 2015, there were $53.4 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 June 30 |  | Six months ended June 30
| 2016 |  | 2015 |  | 2016 |  | 2015
| Average Recorded Investment |  | Interest Income (1) |  | Average Recorded Investment |  | Interest Income (1) |  | Average Recorded Investment |  | Interest Income (1) |  | Average Recorded Investment |  | Interest Income (1)
| (in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | $ | 22,762 |  |  | $ | 72 |  |  | $ | 27,410 |  |  | $ | 87 |  |  | $ | 22,707 |  |  | $ | 141 |  |  | $ | 26,018 |  |  | 178 |
Commercial - secured | 15,182 |  |  | 20 |  |  | 16,163 |  |  | 24 |  |  | 14,688 |  |  | 36 |  |  | 15,636 |  |  | 45 |
Real estate - residential mortgage | 6,191 |  |  | 33 |  |  | 5,541 |  |  | 32 |  |  | 5,724 |  |  | 63 |  |  | 5,318 |  |  | 60 |
Construction - commercial residential | 6,421 |  |  | 16 |  |  | 12,171 |  |  | 40 |  |  | 7,236 |  |  | 35 |  |  | 13,048 |  |  | 95 |
Construction - commercial | — |  |  | — |  |  | 925 |  |  | — |  |  | — |  |  | — |  |  | 1,144 |  |  | — |
| 50,556 |  |  | 141 |  |  | 62,210 |  |  | 183 |  |  | 50,355 |  |  | 275 |  |  | 61,164 |  |  | 378 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 33,042 |  |  | 104 |  |  | 40,204 |  |  | 126 |  |  | 33,927 |  |  | 212 |  |  | 40,143 |  |  | 259 |
Commercial - secured | 25,919 |  |  | 33 |  |  | 25,902 |  |  | 38 |  |  | 28,489 |  |  | 71 |  |  | 23,713 |  |  | 74 |
Commercial - unsecured | 929 |  |  | 1 |  |  | 2,082 |  |  | 2 |  |  | 893 |  |  | 2 |  |  | 1,751 |  |  | 3 |
Real estate - home equity | 17,950 |  |  | 70 |  |  | 13,016 |  |  | 33 |  |  | 17,222 |  |  | 127 |  |  | 13,163 |  |  | 64 |
Real estate - residential mortgage | 41,928 |  |  | 226 |  |  | 47,020 |  |  | 270 |  |  | 43,164 |  |  | 461 |  |  | 46,839 |  |  | 543 |
Construction - commercial residential | 5,566 |  |  | 14 |  |  | 6,031 |  |  | 21 |  |  | 5,807 |  |  | 29 |  |  | 6,655 |  |  | 49 |
Construction - commercial | 548 |  |  | — |  |  | 960 |  |  | — |  |  | 578 |  |  | — |  |  | 981 |  |  | — |
Construction - other | 513 |  |  | — |  |  | 281 |  |  | — |  |  | 406 |  |  | — |  |  | 281 |  |  | — |
Consumer - direct | 10 |  |  | — |  |  | 17 |  |  | — |  |  | 16 |  |  | — |  |  | 18 |  |  | — |
Consumer - indirect | 15 |  |  | — |  |  | 17 |  |  | — |  |  | 11 |  |  | — |  |  | 17 |  |  | — |
Leasing, other and overdrafts | 711 |  |  | — |  |  | — |  |  | — |  |  | 949 |  |  | — |  |  | — |  |  | — |
| 127,131 |  |  | 448 |  |  | 135,530 |  |  | 490 |  |  | 131,462 |  |  | 902 |  |  | 133,561 |  |  | 992 |
Total | $ | 177,687 |  |  | $ | 589 |  |  | $ | 197,740 |  |  | $ | 673 |  |  | $ | 181,817 |  |  | $ | 1,177 |  |  | $ | 194,725 |  |  | 1,370 |
(1) | All impaired loans, excluding accruing TDRs, were non-accrual loans. Interest income recognized for the three and six months ended June 30, 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
| June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015
| (dollars in thousands)
Real estate - commercial mortgage | $ | 5,371,366 |  |  | $ | 5,204,263 |  |  | $ | 141,417 |  |  | $ | 102,625 |  |  | $ | 122,564 |  |  | $ | 155,442 |  |  | $ | 5,635,347 |  |  | $ | 5,462,330 |
Commercial - secured | 3,718,231 |  |  | 3,696,692 |  |  | 95,330 |  |  | 92,711 |  |  | 130,180 |  |  | 136,710 |  |  | 3,943,741 |  |  | 3,926,113 |
Commercial - unsecured | 149,548 |  |  | 156,742 |  |  | 2,467 |  |  | 2,761 |  |  | 3,421 |  |  | 3,346 |  |  | 155,436 |  |  | 162,849 |
Total commercial - industrial, financial and agricultural | 3,867,779 |  |  | 3,853,434 |  |  | 97,797 |  |  | 95,472 |  |  | 133,601 |  |  | 140,056 |  |  | 4,099,177 |  |  | 4,088,962 |
Construction - commercial residential | 151,817 |  |  | 140,337 |  |  | 17,012 |  |  | 17,154 |  |  | 14,838 |  |  | 21,812 |  |  | 183,667 |  |  | 179,303 |
Construction - commercial | 596,971 |  |  | 552,710 |  |  | 2,548 |  |  | 3,684 |  |  | 4,594 |  |  | 3,597 |  |  | 604,113 |  |  | 559,991 |
Total construction (excluding Construction - other) | 748,788 |  |  | 693,047 |  |  | 19,560 |  |  | 20,838 |  |  | 19,432 |  |  | 25,409 |  |  | 787,780 |  |  | 739,294 |
| $ | 9,987,933 |  |  | $ | 9,750,744 |  |  | $ | 258,774 |  |  | $ | 218,935 |  |  | $ | 275,597 |  |  | $ | 320,907 |  |  | $ | 10,522,304 |  |  | $ | 10,290,586 |
% of Total | 94.9 | % |  | 94.8 | % |  | 2.5 | % |  | 2.1 | % |  | 2.6 | % |  | 3.1 | % |  | 100.0 | % |  | 100.0 | %
The following table presents a summary of performing, 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
| June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015 |  | June 30, 2016 |  | December 31, 2015
| (dollars in thousands)
Real estate - home equity | $ | 1,623,095 |  |  | $ | 1,660,773 |  |  | $ | 10,051 |  |  | $ | 8,983 |  |  | $ | 14,173 |  |  | $ | 14,683 |  |  | $ | 1,647,319 |  |  | $ | 1,684,439 |
Real estate - residential mortgage | 1,408,244 |  |  | 1,329,371 |  |  | 14,018 |  |  | 18,305 |  |  | 25,030 |  |  | 28,484 |  |  | 1,447,292 |  |  | 1,376,160 |
Construction - other | 63,404 |  |  | 59,997 |  |  | 1,416 |  |  | 88 |  |  | 1,099 |  |  | 609 |  |  | 65,919 |  |  | 60,694 |
Consumer - direct | 92,906 |  |  | 94,262 |  |  | 1,860 |  |  | 2,254 |  |  | 1,695 |  |  | 2,203 |  |  | 96,461 |  |  | 98,719 |
Consumer - indirect | 179,293 |  |  | 166,823 |  |  | 2,124 |  |  | 2,809 |  |  | 193 |  |  | 237 |  |  | 181,610 |  |  | 169,869 |
Total consumer | 272,199 |  |  | 261,085 |  |  | 3,984 |  |  | 5,063 |  |  | 1,888 |  |  | 2,440 |  |  | 278,071 |  |  | 268,588 |
Leasing, other and overdrafts | 193,233 |  |  | 155,870 |  |  | 863 |  |  | 759 |  |  | 158 |  |  | 1,506 |  |  | 194,254 |  |  | 158,135 |
| $ | 3,560,175 |  |  | $ | 3,467,096 |  |  | $ | 30,332 |  |  | $ | 33,198 |  |  | $ | 42,348 |  |  | $ | 47,722 |  |  | $ | 3,632,855 |  |  | $ | 3,548,016 |
% of Total | 98.0 | % |  | 97.7 | % |  | 0.8 | % |  | 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:
| June 30, 2016 |  | December 31, 2015
| (in thousands)
Non-accrual loans | $ | 111,742 |  |  | $ | 129,523 |
Loans 90 days or more past due and still accruing | 15,992 |  |  | 15,291 |
Total non-performing loans | 127,734 |  |  | 144,814 |
Other real estate owned (OREO) | 11,918 |  |  | 11,099 |
Total non-performing assets | $ | 139,652 |  |  | $ | 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:
| June 30, 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 | $ | 7,813 |  |  | $ | 2,288 |  |  | $ | 192 |  |  | $ | 35,512 |  |  | $ | 35,704 |  |  | $ | 45,805 |  |  | $ | 5,589,542 |  |  | $ | 5,635,347 |
Commercial - secured | 4,532 |  |  | 7,207 |  |  | 2,997 |  |  | 34,675 |  |  | 37,672 |  |  | 49,411 |  |  | 3,894,330 |  |  | 3,943,741 |
Commercial - unsecured | 372 |  |  | 43 |  |  | 367 |  |  | 863 |  |  | 1,230 |  |  | 1,645 |  |  | 153,791 |  |  | 155,436 |
Total commercial - industrial, financial and agricultural | 4,904 |  |  | 7,250 |  |  | 3,364 |  |  | 35,538 |  |  | 38,902 |  |  | 51,056 |  |  | 4,048,121 |  |  | 4,099,177 |
Real estate - home equity | 7,600 |  |  | 2,451 |  |  | 3,470 |  |  | 10,703 |  |  | 14,173 |  |  | 24,224 |  |  | 1,623,095 |  |  | 1,647,319 |
Real estate - residential mortgage | 10,356 |  |  | 3,662 |  |  | 4,461 |  |  | 20,569 |  |  | 25,030 |  |  | 39,048 |  |  | 1,408,244 |  |  | 1,447,292 |
Construction - commercial residential | — |  |  | 541 |  |  | — |  |  | 8,499 |  |  | 8,499 |  |  | 9,040 |  |  | 174,627 |  |  | 183,667 |
Construction - commercial | 1,482 |  |  | 1,134 |  |  | 1,777 |  |  | 504 |  |  | 2,281 |  |  | 4,897 |  |  | 599,216 |  |  | 604,113 |
Construction - other | 1,416 |  |  | — |  |  | 682 |  |  | 417 |  |  | 1,099 |  |  | 2,515 |  |  | 63,404 |  |  | 65,919 |
Total real estate - construction | 2,898 |  |  | 1,675 |  |  | 2,459 |  |  | 9,420 |  |  | 11,879 |  |  | 16,452 |  |  | 837,247 |  |  | 853,699 |
Consumer - direct | 1,169 |  |  | 691 |  |  | 1,695 |  |  | — |  |  | 1,695 |  |  | 3,555 |  |  | 92,906 |  |  | 96,461 |
Consumer - indirect | 1,734 |  |  | 390 |  |  | 193 |  |  | — |  |  | 193 |  |  | 2,317 |  |  | 179,293 |  |  | 181,610 |
Total consumer | 2,903 |  |  | 1,081 |  |  | 1,888 |  |  | — |  |  | 1,888 |  |  | 5,872 |  |  | 272,199 |  |  | 278,071 |
Leasing, other and overdrafts | 400 |  |  | 463 |  |  | 158 |  |  | — |  |  | 158 |  |  | 1,021 |  |  | 193,233 |  |  | 194,254 |
Total | $ | 36,874 |  |  | $ | 18,870 |  |  | $ | 15,992 |  |  | $ | 111,742 |  |  | $ | 127,734 |  |  | $ | 183,478 |  |  | $ | 13,971,681 |  |  | $ | 14,155,159 |
| 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, other and overdrafts | 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, by class segment:
| June 30, 2016 |  | December 31, 2015
| (in thousands)
Real-estate - residential mortgage | $ | 27,324 |  |  | $ | 28,511 |
Real-estate - commercial mortgage | 17,808 |  |  | 17,563 |
Commercial - secured | 5,645 |  |  | 5,833 |
Construction - commercial residential | 3,086 |  |  | 3,942 |
Real estate - home equity | 7,173 |  |  | 4,556 |
Commercial - unsecured | 111 |  |  | 120 |
Consumer - indirect | — |  |  | 14 |
Consumer - direct | 18 |  |  | 19 |
Total accruing TDRs | 61,165 |  |  | 60,558 |
Non-accrual TDRs (1) | 24,887 |  |  | 31,035 |
Total TDRs | $ | 86,052 |  |  | $ | 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 June 30, 2016 and 2015, that were modified in the previous 12 months and had a post-modification payment default during the six months ended June 30, 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 | 22 |  | $ | 1,448 |  |  | 7 |  | $ | 614 |
Real estate - residential mortgage | 5 |  | 972 |  |  | 6 |  | 652 |
Commercial - secured | 4 |  | 1,096 |  |  | 8 |  | 4,779 |
Real estate - commercial mortgage | 2 |  | 132 |  |  | 2 |  | 191 |
Commercial - unsecured | 1 |  | 27 |  |  | — |  | — |
Total | 34 |  | $ | 3,675 |  |  | 23 |  | $ | 6,236 |
The following table presents TDRs, by class segment as of June 30, 2016 and 2015, that were modified during the three and six months ended June 30, 2016 and 2015:
|  | Three months ended June 30 |  | Six months ended June 30
| 2016 |  | 2015 |  | 2016 |  | 2015
Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment
| (dollars in thousands)
Commercial – secured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity without rate concession | 4 |  |  | $ | 1,146 |  |  | 3 |  |  | $ | 1,047 |  |  | 6 |  |  | $ | 1,976 |  |  | 11 |  |  | $ | 7,823 |
Commercial – unsecured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity without rate concession | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 103 |  |  | 1 |  |  | 42 |
Real estate - commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity without rate concession | — |  |  | — |  |  | 1 |  |  | 132 |  |  | — |  |  | — |  |  | 4 |  |  | 2,627 |
Real estate - home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 44 |  |  | — |  |  | — |
| Bankruptcy | 23 |  |  | 969 |  |  | 15 |  |  | 739 |  |  | 60 |  |  | 3,667 |  |  | 25 |  |  | 1,231 |
Real estate – residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 104 |
| Extend maturity without rate concession | 2 |  |  | 315 |  |  | — |  |  | — |  |  | 2 |  |  | 315 |  |  | 2 |  |  | 225 |
| Bankruptcy | 1 |  |  | 373 |  |  | 4 |  |  | 456 |  |  | 1 |  |  | 373 |  |  | 5 |  |  | 737 |
Construction - commercial residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Extend maturity without rate concession | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 889 |
Consumer - direct: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Bankruptcy | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | — |
Consumer - indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Bankruptcy | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 13 |
Total | 30 |  |  | $ | 2,803 |  |  | 23 |  |  | $ | 2,374 |  |  | 73 |  |  | $ | 6,480 |  |  | 51 |  |  | $ | 13,691 |

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