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Loans and Allowance for Credit Losses | 12 Months Ended
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Dec. 31, 2017
Receivables [Abstract] |
Loans and Allowance for Credit Losses |
NOTE 4 – LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans, net of unearned income Loans, net of unearned income are summarized as follows as of December 31:
| 2017 |  | 2016
| (in thousands)
Real estate – commercial mortgage | $ | 6,364,804 |  |  | $ | 6,018,582 |
Commercial – industrial, financial and agricultural | 4,300,297 |  |  | 4,087,486 |
Real estate – residential mortgage | 1,954,711 |  |  | 1,601,994 |
Real estate – home equity | 1,559,719 |  |  | 1,625,115 |
Real estate – construction | 1,006,935 |  |  | 843,649 |
Consumer | 313,783 |  |  | 291,470 |
Leasing and other | 291,556 |  |  | 246,704 |
Overdrafts | 4,113 |  |  | 3,662 |
Loans, gross of unearned income | 15,795,918 |  |  | 14,718,662 |
Unearned income | (27,671 | ) |  | (19,390 | )
Loans, net of unearned income | $ | 15,768,247 |  |  | $ | 14,699,272 |
The Corporation has extended credit to the officers and directors of the Corporation and to their associates. These related-party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than the normal risk of collection. The aggregate dollar amount of these loans, including unadvanced commitments, was $113.6 million and $154.4 million as of December 31, 2017 and 2016, respectively. During 2017, additions totaled $4.9 million and repayments totaled $45.8 million in related-party loans. The total portfolio of mortgage loans serviced by the Corporation for unrelated third parties was $4.6 billion and $4.7 billion as of December 31, 2017 and 2016, respectively. Allowance for Credit Losses The following table presents the components of the allowance for credit losses as of December 31:
| 2017 |  | 2016 |  | 2015
| (in thousands)
Allowance for loan losses | $ | 169,910 |  |  | $ | 168,679 |  |  | $ | 169,054 |
Reserve for unfunded lending commitments | 6,174 |  |  | 2,646 |  |  | 2,358 |
Allowance for credit losses | $ | 176,084 |  |  | $ | 171,325 |  |  | $ | 171,412 |
The following table presents the activity in the allowance for credit losses for the years ended December 31:
| 2017 |  | 2016 |  | 2015
| (in thousands)
Balance at beginning of year | $ | 171,325 |  |  | $ | 171,412 |  |  | $ | 185,931 |
Loans charged off | (33,290 | ) |  | (33,927 | ) |  | (32,157 | )
Recoveries of loans previously charged off | 14,744 |  |  | 20,658 |  |  | 15,388 |
Net loans charged off | (18,546 | ) |  | (13,269 | ) |  | (16,769 | )
Provision for credit losses | 23,305 |  |  | 13,182 |  |  | 2,250 |
Balance at end of year | $ | 176,084 |  |  | $ | 171,325 |  |  | $ | 171,412 |
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 |  | Total
| (in thousands)
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 | (3,580 | ) |  | (15,276 | ) |  | (4,912 | ) |  | (2,326 | ) |  | (1,218 | ) |  | (2,800 | ) |  | (3,815 | ) |  | — |  |  | (33,927 | )
Recoveries of loans previously charged off | 3,373 |  |  | 8,981 |  |  | 1,171 |  |  | 1,072 |  |  | 3,924 |  |  | 1,295 |  |  | 842 |  |  | — |  |  | 20,658 |
Net loans charged off | (207 | ) |  | (6,295 | ) |  | (3,741 | ) |  | (1,254 | ) |  | 2,706 |  |  | (1,505 | ) |  | (2,973 | ) |  | — |  |  | (13,269 | )
Provision for loan losses (1) | (817 | ) |  | 3,550 |  |  | 8,137 |  |  | 2,808 |  |  | (2,780 | ) |  | 2,494 |  |  | 3,697 |  |  | (4,195 | ) |  | 12,894 |
Balance at December 31, 2016 | 46,842 |  |  | 54,353 |  |  | 26,801 |  |  | 22,929 |  |  | 6,455 |  |  | 3,574 |  |  | 3,192 |  |  | 4,533 |  |  | 168,679 |
Loans charged off | (2,169 | ) |  | (19,067 | ) |  | (2,340 | ) |  | (687 | ) |  | (3,765 | ) |  | (2,227 | ) |  | (3,035 | ) |  | — |  |  | (33,290 | )
Recoveries of loans previously charged off | 1,668 |  |  | 7,771 |  |  | 813 |  |  | 786 |  |  | 1,582 |  |  | 1,156 |  |  | 968 |  |  | — |  |  | 14,744 |
Net loans charged off | (501 | ) |  | (11,296 | ) |  | (1,527 | ) |  | 99 |  |  | (2,183 | ) |  | (1,071 | ) |  | (2,067 | ) |  | — |  |  | (18,546 | )
Provision for loan losses (1) | 12,452 |  |  | 23,223 |  |  | (7,147 | ) |  | (6,940 | ) |  | 2,348 |  |  | (458 | ) |  | 832 |  |  | (4,533 | ) |  | 19,777 |
Balance at December 31, 2017 | $ | 58,793 |  |  | $ | 66,280 |  |  | $ | 18,127 |  |  | $ | 16,088 |  |  | $ | 6,620 |  |  | $ | 2,045 |  |  | $ | 1,957 |  |  | $ | — |  |  | $ | 169,910 |
Allowance for loan losses at December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment under FASB ASC Subtopic 450-20 | $ | 50,681 |  |  | $ | 54,874 |  |  | $ | 7,003 |  |  | $ | 6,193 |  |  | $ | 5,653 |  |  | $ | 2,028 |  |  | $ | 1,957 |  |  | $ | — |  |  | $ | 128,389 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 8,112 |  |  | 11,406 |  |  | 11,124 |  |  | 9,895 |  |  | 967 |  |  | 17 |  |  | — |  |  | N/A |  |  | 41,521 |
| $ | 58,793 |  |  | $ | 66,280 |  |  | $ | 18,127 |  |  | $ | 16,088 |  |  | $ | 6,620 |  |  | $ | 2,045 |  |  | $ | 1,957 |  |  | $ | — |  |  | $ | 169,910 |
Loans, net of unearned income at December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment under FASB ASC Subtopic 450-20 | $ | 6,316,023 |  |  | $ | 4,236,572 |  |  | $ | 1,535,026 |  |  | $ | 1,913,004 |  |  | $ | 994,738 |  |  | $ | 313,757 |  |  | $ | 267,998 |  |  | N/A |  |  | $ | 15,577,118 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 48,781 |  |  | 63,725 |  |  | 24,693 |  |  | 41,707 |  |  | 12,197 |  |  | 26 |  |  | — |  |  | N/A |  |  | 191,129 |
| $ | 6,364,804 |  |  | $ | 4,300,297 |  |  | $ | 1,559,719 |  |  | $ | 1,954,711 |  |  | $ | 1,006,935 |  |  | $ | 313,783 |  |  | $ | 267,998 |  |  | N/A |  |  | $ | 15,768,247 |
Allowance for loan losses at December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment under FASB ASC Subtopic 450-20 | $ | 36,680 |  |  | $ | 40,700 |  |  | $ | 17,290 |  |  | $ | 11,032 |  |  | $ | 4,587 |  |  | $ | 3,548 |  |  | $ | 3,192 |  |  | $ | 4,533 |  |  | $ | 121,562 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 10,162 |  |  | 13,653 |  |  | 9,511 |  |  | 11,897 |  |  | 1,868 |  |  | 26 |  |  | — |  |  | N/A |  |  | 47,117 |
| $ | 46,842 |  |  | $ | 54,353 |  |  | $ | 26,801 |  |  | $ | 22,929 |  |  | $ | 6,455 |  |  | $ | 3,574 |  |  | $ | 3,192 |  |  | $ | 4,533 |  |  | $ | 168,679 |
Loans, net of unearned income at December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment under FASB ASC Subtopic 450-20 | $ | 5,963,689 |  |  | $ | 4,038,511 |  |  | $ | 1,605,910 |  |  | $ | 1,555,946 |  |  | $ | 833,117 |  |  | $ | 291,430 |  |  | $ | 230,976 |  |  | N/A |  |  | $ | 14,519,579 |
Evaluated for impairment under FASB ASC Section 310-10-35 | 54,893 |  |  | 48,975 |  |  | 19,205 |  |  | 46,048 |  |  | 10,532 |  |  | 40 |  |  | — |  |  | N/A |  |  | 179,693 |
| $ | 6,018,582 |  |  | $ | 4,087,486 |  |  | $ | 1,625,115 |  |  | $ | 1,601,994 |  |  | $ | 843,649 |  |  | $ | 291,470 |  |  | $ | 230,976 |  |  | N/A |  |  | $ | 14,699,272 |
(1) | For the year ended December 31, 2017, the provision for loan losses excluded a $3.5 million increase in the reserve for unfunded lending commitments. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $23.3 million for the year ended December 31, 2017. For the year ended December 31, 2016, the provision for loan losses excluded a $288,000 increase in the reserve for unfunded lending commitments. The total provision for credit losses was $13.2 million for the year ended December 31, 2016.
N/A – Not applicable. Impaired Loans The following table presents total impaired loans by class segment as of December 31:
| 2017 |  | 2016
| 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 | $ | 26,728 |  |  | $ | 22,886 |  |  | $ | — |  |  | $ | 28,757 |  |  | $ | 25,447 |  |  | $ | — |
Commercial - secured | 44,936 |  |  | 39,550 |  |  | — |  |  | 29,296 |  |  | 25,526 |  |  | — |
Real estate - residential mortgage | 4,575 |  |  | 4,575 |  |  | — |  |  | 4,689 |  |  | 4,689 |  |  | — |
Construction - commercial residential | 12,477 |  |  | 8,100 |  |  | — |  |  | 6,271 |  |  | 4,795 |  |  | — |
| 88,716 |  |  | 75,111 |  |  |  |  | 69,013 |  |  | 60,457 |  |  |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 33,710 |  |  | 25,895 |  |  | 8,112 |  |  | 37,132 |  |  | 29,446 |  |  | 10,162 |
Commercial - secured | 28,819 |  |  | 23,442 |  |  | 11,013 |  |  | 27,767 |  |  | 22,626 |  |  | 13,198 |
Commercial - unsecured | 997 |  |  | 733 |  |  | 393 |  |  | 1,122 |  |  | 823 |  |  | 455 |
Real estate - home equity | 28,282 |  |  | 24,693 |  |  | 11,124 |  |  | 23,971 |  |  | 19,205 |  |  | 9,511 |
Real estate - residential mortgage | 42,597 |  |  | 37,132 |  |  | 9,895 |  |  | 48,885 |  |  | 41,359 |  |  | 11,897 |
Construction - commercial residential | 6,846 |  |  | 3,667 |  |  | 813 |  |  | 10,103 |  |  | 4,206 |  |  | 1,300 |
Construction - commercial | 45 |  |  | 19 |  |  | 7 |  |  | 681 |  |  | 435 |  |  | 145 |
Construction - other | 417 |  |  | 411 |  |  | 147 |  |  | 1,096 |  |  | 1,096 |  |  | 423 |
Consumer - indirect | 11 |  |  | 11 |  |  | 7 |  |  | 19 |  |  | 19 |  |  | 12 |
Consumer - direct | 15 |  |  | 15 |  |  | 10 |  |  | 21 |  |  | 21 |  |  | 14 |
| 141,739 |  |  | 116,018 |  |  | 41,521 |  |  | 150,797 |  |  | 119,236 |  |  | 47,117 |
Total | $ | 230,455 |  |  | $ | 191,129 |  |  | $ | 41,521 |  |  | $ | 219,810 |  |  | $ | 179,693 |  |  | $ | 47,117 |
As of December 31, 2017 and 2016, there were $75.1 million and $60.5 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:
| 2017 |  | 2016 |  | 2015
| 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 | $ | 22,793 |  |  | $ | 281 |  |  | $ | 24,232 |  |  | $ | 294 |  |  | $ | 25,345 |  |  | $ | 315 |
Commercial - secured | 31,357 |  |  | 182 |  |  | 19,825 |  |  | 104 |  |  | 15,654 |  |  | 97 |
Commercial - unsecured | — |  |  | — |  |  | — |  |  | — |  |  | 17 |  |  | — |
Real estate - residential mortgage | 4,631 |  |  | 107 |  |  | 5,598 |  |  | 126 |  |  | 5,389 |  |  | 124 |
Construction - commercial residential | 7,016 |  |  | 12 |  |  | 6,285 |  |  | 48 |  |  | 11,685 |  |  | 148 |
Construction - commercial | 239 |  |  | — |  |  | — |  |  | — |  |  | 915 |  |  | — |
| 66,036 |  |  | 582 |  |  | 55,940 |  |  | 572 |  |  | 59,005 |  |  | 684 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 27,193 |  |  | 338 |  |  | 31,737 |  |  | 384 |  |  | 39,232 |  |  | 475 |
Commercial - secured | 23,321 |  |  | 135 |  |  | 25,857 |  |  | 130 |  |  | 25,660 |  |  | 150 |
Commercial - unsecured | 791 |  |  | 2 |  |  | 887 |  |  | 4 |  |  | 1,749 |  |  | 6 |
Real estate - home equity | 21,704 |  |  | 534 |  |  | 17,912 |  |  | 285 |  |  | 13,887 |  |  | 144 |
Real estate - residential mortgage | 39,093 |  |  | 903 |  |  | 42,191 |  |  | 908 |  |  | 46,252 |  |  | 1,041 |
Construction - commercial residential | 5,051 |  |  | 11 |  |  | 5,295 |  |  | 41 |  |  | 6,455 |  |  | 79 |
Construction - commercial | 152 |  |  | — |  |  | 524 |  |  | — |  |  | 931 |  |  | — |
Construction - other | 957 |  |  | — |  |  | 682 |  |  | — |  |  | 263 |  |  | — |
Consumer - indirect | 15 |  |  | 1 |  |  | 15 |  |  | 1 |  |  | 16 |  |  | 1 |
Consumer - direct | 18 |  |  | 1 |  |  | 18 |  |  | 1 |  |  | 17 |  |  | 1 |
Leasing, other and overdrafts | 285 |  |  | — |  |  | 854 |  |  | — |  |  | 285 |  |  | — |
| 118,580 |  |  | 1,925 |  |  | 125,972 |  |  | 1,754 |  |  | 134,747 |  |  | 1,897 |
Total | $ | 184,616 |  |  | $ | 2,507 |  |  | $ | 181,912 |  |  | $ | 2,326 |  |  | $ | 193,752 |  |  | $ | 2,581 |
(1) | Interest income recognized for the years ended December 31, 2017, 2016 and 2015 represents amounts earned on accruing TDRs. Impaired loans consist of loans on non-accrual status and accruing TDRs.
Credit Quality Indicators and Non-performing Assets The following table presents internal credit risk ratings as of December 31:
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| 2017 |  | 2016 |  | 2017 |  | 2016 |  | 2017 |  | 2016 |  | 2017 |  | 2016
| (dollars in thousands)
Real estate - commercial mortgage | $ | 6,066,396 |  |  | $ | 5,763,122 |  |  | $ | 147,604 |  |  | $ | 132,484 |  |  | $ | 150,804 |  |  | $ | 122,976 |  |  | $ | 6,364,804 |  |  | $ | 6,018,582 |
Commercial - secured | 3,831,485 |  |  | 3,686,152 |  |  | 121,842 |  |  | 128,873 |  |  | 179,113 |  |  | 118,527 |  |  | 4,132,440 |  |  | 3,933,552 |
Commercial -unsecured | 159,620 |  |  | 145,922 |  |  | 5,478 |  |  | 4,481 |  |  | 2,759 |  |  | 3,531 |  |  | 167,857 |  |  | 153,934 |
Total commercial - industrial, financial and agricultural | 3,991,105 |  |  | 3,832,074 |  |  | 127,320 |  |  | 133,354 |  |  | 181,872 |  |  | 122,058 |  |  | 4,300,297 |  |  | 4,087,486 |
Construction - commercial residential | 143,759 |  |  | 113,570 |  |  | 5,259 |  |  | 15,447 |  |  | 14,084 |  |  | 13,172 |  |  | 163,102 |  |  | 142,189 |
Construction - commercial | 761,218 |  |  | 635,963 |  |  | 846 |  |  | 3,412 |  |  | 3,752 |  |  | 5,115 |  |  | 765,816 |  |  | 644,490 |
Total real estate - construction (excluding construction - other) | 904,977 |  |  | 749,533 |  |  | 6,105 |  |  | 18,859 |  |  | 17,836 |  |  | 18,287 |  |  | 928,918 |  |  | 786,679 |
Total | $ | 10,962,478 |  |  | $ | 10,344,729 |  |  | $ | 281,029 |  |  | $ | 284,697 |  |  | $ | 350,512 |  |  | $ | 263,321 |  |  | $ | 11,594,019 |  |  | $ | 10,892,747 |
% of Total | 94.6 | % |  | 95.0 | % |  | 2.4 | % |  | 2.6 | % |  | 3.0 | % |  | 2.4 | % |  | 100.0 | % |  | 100.0 | %
The following table presents delinquency and non-performing status for loans that do not have internal credit risk ratings, by class segment, as of December 31:
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| 2017 |  | 2016 |  | 2017 |  | 2016 |  | 2017 |  | 2016 |  | 2017 |  | 2016
| (dollars in thousands)
Real estate - home equity | $ | 1,535,557 |  |  | $ | 1,602,687 |  |  | $ | 12,655 |  |  | $ | 9,274 |  |  | $ | 11,507 |  |  | $ | 13,154 |  |  | $ | 1,559,719 |  |  | $ | 1,625,115 |
Real estate - residential mortgage | 1,914,888 |  |  | 1,557,995 |  |  | 18,852 |  |  | 20,344 |  |  | 20,971 |  |  | 23,655 |  |  | 1,954,711 |  |  | 1,601,994 |
Real estate - construction - other | 77,403 |  |  | 55,874 |  |  | 203 |  |  | — |  |  | 411 |  |  | 1,096 |  |  | 78,017 |  |  | 56,970 |
Consumer - direct | 54,828 |  |  | 93,572 |  |  | 315 |  |  | 1,752 |  |  | 70 |  |  | 1,563 |  |  | 55,213 |  |  | 96,887 |
Consumer - indirect | 254,663 |  |  | 190,656 |  |  | 3,681 |  |  | 3,599 |  |  | 226 |  |  | 328 |  |  | 258,570 |  |  | 194,583 |
Total consumer | 309,491 |  |  | 284,228 |  |  | 3,996 |  |  | 5,351 |  |  | 296 |  |  | 1,891 |  |  | 313,783 |  |  | 291,470 |
Leasing, other and overdrafts | 267,111 |  |  | 229,591 |  |  | 855 |  |  | 1,068 |  |  | 32 |  |  | 317 |  |  | 267,998 |  |  | 230,976 |
Total | $ | 4,104,450 |  |  | $ | 3,730,375 |  |  | $ | 36,561 |  |  | $ | 36,037 |  |  | $ | 33,217 |  |  | $ | 40,113 |  |  | $ | 4,174,228 |  |  | $ | 3,806,525 |
% of Total | 98.3 | % |  | 98.0 | % |  | 0.9 | % |  | 0.9 | % |  | 0.8 | % |  | 1.1 | % |  | 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. The following table presents total non-performing assets as of December 31:
| 2017 |  | 2016
| (in thousands)
Non-accrual loans | $ | 124,749 |  |  | $ | 120,133 |
Loans 90 days or more past due and still accruing | 10,010 |  |  | 11,505 |
Total non-performing loans | 134,759 |  |  | 131,638 |
Other real estate owned | 9,823 |  |  | 12,815 |
Total non-performing assets | $ | 144,582 |  |  | $ | 144,453 |
The following table presents past due status and non-accrual loans, by portfolio segment and class segment, as of December 31:
| 2017
| 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 | $ | 9,456 |  |  | $ | 4,223 |  |  | $ | 625 |  |  | $ | 34,822 |  |  | $ | 35,447 |  |  | $ | 49,126 |  |  | $ | 6,315,678 |  |  | $ | 6,364,804 |
Commercial - secured | 4,778 |  |  | 5,254 |  |  | 1,360 |  |  | 52,255 |  |  | 53,615 |  |  | 63,647 |  |  | 4,068,793 |  |  | 4,132,440 |
Commercial - unsecured | 305 |  |  | 10 |  |  | 45 |  |  | 649 |  |  | 694 |  |  | 1,009 |  |  | 166,848 |  |  | 167,857 |
Total Commercial - industrial, financial and agricultural | 5,083 |  |  | 5,264 |  |  | 1,405 |  |  | 52,904 |  |  | 54,309 |  |  | 64,656 |  |  | 4,235,641 |  |  | 4,300,297 |
Real estate - home equity | 9,640 |  |  | 3,015 |  |  | 2,372 |  |  | 9,135 |  |  | 11,507 |  |  | 24,162 |  |  | 1,535,557 |  |  | 1,559,719 |
Real estate - residential mortgage | 11,961 |  |  | 6,891 |  |  | 5,280 |  |  | 15,691 |  |  | 20,971 |  |  | 39,823 |  |  | 1,914,888 |  |  | 1,954,711 |
Construction - commercial | 483 |  |  | — |  |  | — |  |  | 19 |  |  | 19 |  |  | 502 |  |  | 765,314 |  |  | 765,816 |
Construction - commercial residential | — |  |  | 439 |  |  | — |  |  | 11,767 |  |  | 11,767 |  |  | 12,206 |  |  | 150,896 |  |  | 163,102 |
Construction - other | 203 |  |  | — |  |  | — |  |  | 411 |  |  | 411 |  |  | 614 |  |  | 77,403 |  |  | 78,017 |
Total Real estate - construction | 686 |  |  | 439 |  |  | — |  |  | 12,197 |  |  | 12,197 |  |  | 13,322 |  |  | 993,613 |  |  | 1,006,935 |
Consumer - direct | 260 |  |  | 55 |  |  | 70 |  |  | — |  |  | 70 |  |  | 385 |  |  | 54,828 |  |  | 55,213 |
Consumer - indirect | 3,055 |  |  | 626 |  |  | 226 |  |  | — |  |  | 226 |  |  | 3,907 |  |  | 254,663 |  |  | 258,570 |
Total Consumer | 3,315 |  |  | 681 |  |  | 296 |  |  | — |  |  | 296 |  |  | 4,292 |  |  | 309,491 |  |  | 313,783 |
Leasing, other and overdrafts | 568 |  |  | 287 |  |  | 32 |  |  | — |  |  | 32 |  |  | 887 |  |  | 267,111 |  |  | 267,998 |
| $ | 40,709 |  |  | $ | 20,800 |  |  | $ | 10,010 |  |  | $ | 124,749 |  |  | $ | 134,759 |  |  | $ | 196,268 |  |  | $ | 15,571,979 |  |  | $ | 15,768,247 |
| 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 | $ | 6,254 |  |  | $ | 1,622 |  |  | $ | 383 |  |  | $ | 38,936 |  |  | $ | 39,319 |  |  | $ | 47,195 |  |  | $ | 5,971,387 |  |  | $ | 6,018,582 |
Commercial - secured | 6,660 |  |  | 2,616 |  |  | 959 |  |  | 41,589 |  |  | 42,548 |  |  | 51,824 |  |  | 3,881,728 |  |  | 3,933,552 |
Commercial - unsecured | 898 |  |  | 35 |  |  | 152 |  |  | 760 |  |  | 912 |  |  | 1,845 |  |  | 152,089 |  |  | 153,934 |
Total Commercial - industrial, financial and agricultural | 7,558 |  |  | 2,651 |  |  | 1,111 |  |  | 42,349 |  |  | 43,460 |  |  | 53,669 |  |  | 4,033,817 |  |  | 4,087,486 |
Real estate - home equity | 6,596 |  |  | 2,678 |  |  | 2,543 |  |  | 10,611 |  |  | 13,154 |  |  | 22,428 |  |  | 1,602,687 |  |  | 1,625,115 |
Real estate - residential mortgage | 15,600 |  |  | 4,744 |  |  | 5,224 |  |  | 18,431 |  |  | 23,655 |  |  | 43,999 |  |  | 1,557,995 |  |  | 1,601,994 |
Construction - commercial | 743 |  |  | — |  |  | — |  |  | 435 |  |  | 435 |  |  | 1,178 |  |  | 643,312 |  |  | 644,490 |
Construction - commercial residential | 233 |  |  | 51 |  |  | 36 |  |  | 8,275 |  |  | 8,311 |  |  | 8,595 |  |  | 133,594 |  |  | 142,189 |
Construction - other | — |  |  | — |  |  | — |  |  | 1,096 |  |  | 1,096 |  |  | 1,096 |  |  | 55,874 |  |  | 56,970 |
Total Real estate - construction | 976 |  |  | 51 |  |  | 36 |  |  | 9,806 |  |  | 9,842 |  |  | 10,869 |  |  | 832,780 |  |  | 843,649 |
Consumer - direct | 1,211 |  |  | 541 |  |  | 1,563 |  |  | — |  |  | 1,563 |  |  | 3,315 |  |  | 93,572 |  |  | 96,887 |
Consumer - indirect | 3,200 |  |  | 399 |  |  | 328 |  |  | — |  |  | 328 |  |  | 3,927 |  |  | 190,656 |  |  | 194,583 |
Total Consumer | 4,411 |  |  | 940 |  |  | 1,891 |  |  | — |  |  | 1,891 |  |  | 7,242 |  |  | 284,228 |  |  | 291,470 |
Leasing, other and overdrafts | 543 |  |  | 525 |  |  | 317 |  |  | — |  |  | 317 |  |  | 1,385 |  |  | 229,591 |  |  | 230,976 |
| $ | 41,938 |  |  | $ | 13,211 |  |  | $ | 11,505 |  |  | $ | 120,133 |  |  | $ | 131,638 |  |  | $ | 186,787 |  |  | $ | 14,512,485 |  |  | $ | 14,699,272 |
The following table presents TDRs as of December 31:
| 2017 |  | 2016
| (in thousands)
Real-estate - residential mortgage | $ | 26,016 |  |  | $ | 27,617 |
Real estate - home equity | 15,558 |  |  | 8,594 |
Commercial | 10,820 |  |  | 6,627 |
Real-estate - commercial mortgage | 13,959 |  |  | 15,957 |
Consumer - direct | 26 |  |  | 39 |
Construction - commercial residential | — |  |  | 726 |
Total accruing TDRs | 66,379 |  |  | 59,560 |
Non-accrual TDRs (1) | 29,051 |  |  | 27,850 |
Total TDRs | $ | 95,430 |  |  | $ | 87,410 |
(1)Included within non-accrual loans in the preceding table. As of December 31, 2017 and 2016, there were $8.6 million and $3.6 million, respectively, of commitments to lend additional funds to borrowers whose loans were modified under TDRs. The following table presents TDRs by class segment and type of concession for loans that were modified during the years ended December 31, 2017, 2016 and 2015:
| 2017 |  | 2016 |  | 2015
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: |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 127 |
| Extend maturity without rate concession | 23 |  |  | 15,058 |  |  | 12 |  |  | 3,904 |  |  | 10 |  |  | 3,823 |
| Bankruptcy | 1 |  |  | 490 |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate - commercial mortgage: |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 2,014 |
| Extend maturity without rate concession | 9 |  |  | 2,899 |  |  | — |  |  | — |  |  | 4 |  |  | 639 |
| Bankruptcy | 1 |  |  | 12 |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate - home equity: |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 36 |
| Extend maturity without rate concession | 69 |  |  | 5,843 |  |  | 89 |  |  | 4,484 |  |  | 3 |  |  | 203 |
| Bankruptcy | 28 |  |  | 1,813 |  |  | 47 |  |  | 2,671 |  |  | 52 |  |  | 2,501 |
Real estate – residential mortgage: |  |  |  |  |  |  |  |  |  |  |
| Extend maturity with rate concession | 2 |  |  | 468 |  |  | — |  |  | — |  |  | 4 |  |  | 750 |
| Extend maturity without rate concession | 5 |  |  | 1,044 |  |  | 2 |  |  | 315 |  |  | 3 |  |  | 262 |
| Bankruptcy | 3 |  |  | 392 |  |  | 6 |  |  | 981 |  |  | 7 |  |  | 2,508 |
Construction - commercial residential: |  |  |  |  |  |  |  |  |  |  |
| Extend maturity without rate concession | 1 |  |  | 1,204 |  |  | — |  |  | — |  |  | 1 |  |  | 1,535 |
| Bankruptcy | 1 |  |  | 411 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
| Bankruptcy | — |  |  | — |  |  | 2 |  |  | 23 |  |  | 3 |  |  | 18 |
Total | 143 |  |  | $ | 29,634 |  |  | 158 |  |  | $ | 12,378 |  |  | 96 |  |  | $ | 14,416 |
The following table presents TDRs, by class segment, that were modified during the years ended December 31, 2017, 2016 and 2015 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:
| 2017 |  | 2016 |  | 2015
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Construction - commercial residential | 1 |  |  | $ | 1,192 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Construction - other | 1 |  |  | 411 |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate - commercial mortgage | 2 |  |  | 549 |  |  | 1 |  |  | 118 |  |  | 4 |  |  | 359 |
Real estate - residential mortgage | 5 |  |  | 577 |  |  | 8 |  |  | 1,500 |  |  | 4 |  |  | 445 |
Commercial | 6 |  |  | 1,571 |  |  | 7 |  |  | 2,523 |  |  | 8 |  |  | 3,549 |
Real estate - home equity | 25 |  |  | 1,575 |  |  | 28 |  |  | 1,836 |  |  | 13 |  |  | 763 |
Consumer | — |  |  | — |  |  | 1 |  |  | 19 |  |  | — |  |  | — |
Total | 40 |  |  | $ | 5,875 |  |  | 45 |  |  | $ | 5,996 |  |  | 29 |  |  | $ | 5,116 |

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