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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2019
Financing Receivable, Modifications [Line Items] |
Summary of Gross Loans by Type | Loans and leases, net of unearned income are summarized as follows:
| September 30, 2019 |  | December 31, 2018
| (in thousands)
Real-estate - commercial mortgage | $ | 6,604,634 |  |  | $ | 6,434,285 |
Commercial - industrial, financial and agricultural | 4,494,496 |  |  | 4,404,548 |
Real estate - residential mortgage | 2,570,793 |  |  | 2,251,044 |
Real estate - home equity | 1,346,115 |  |  | 1,452,137 |
Real estate - construction | 913,644 |  |  | 916,599 |
Consumer | 464,213 |  |  | 419,186 |
Equipment lease financing and other | 316,880 |  |  | 311,866 |
Overdrafts | 2,929 |  |  | 2,774 |
Loans and leases, gross of unearned income | 16,713,704 |  |  | 16,192,439 |
Unearned income | (26,838 | ) |  | (26,639 | )
Loans and leases, net of unearned income | $ | 16,686,866 |  |  | $ | 16,165,800 |
Schedule of Allowance for Credit Losses | The following table presents the components of the allowance for credit losses:
| September 30, 2019 |  | December 31, 2018
| (in thousands)
Allowance for loan and lease losses | $ | 166,135 |  |  | $ | 160,537 |
Reserve for unfunded lending commitments | 6,662 |  |  | 8,873 |
Allowance for credit losses | $ | 172,797 |  |  | $ | 169,410 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the allowance for credit losses:
| Three months ended September 30 |  | Nine months ended September 30
| 2019 |  | 2018 |  | 2019 |  | 2018
| (in thousands)
Balance at beginning of period | $ | 176,941 |  |  | $ | 169,247 |  |  | $ | 169,410 |  |  | $ | 176,084 |
Loans and leases charged off | (10,128 | ) |  | (6,883 | ) |  | (20,208 | ) |  | (55,440 | )
Recoveries of loans and leases previously charged off | 3,814 |  |  | 3,842 |  |  | 11,300 |  |  | 8,475 |
Net loans and leases charged off | (6,314 | ) |  | (3,041 | ) |  | (8,908 | ) |  | (46,965 | )
Provision for credit losses | 2,170 |  |  | 1,620 |  |  | 12,295 |  |  | 38,707 |
Balance at end of period | $ | 172,797 |  |  | $ | 167,826 |  |  | $ | 172,797 |  |  | $ | 167,826 |
The following table presents the activity in the allowance for loan and lease 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 |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Three months ended September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2019 | $ | 54,859 |  |  | $ | 66,341 |  |  | $ | 18,981 |  |  | $ | 18,892 |  |  | $ | 4,928 |  |  | $ | 3,363 |  |  | $ | 2,869 |  |  | $ | 170,233 |
Loans and leases charged off | (394 | ) |  | (7,181 | ) |  | (498 | ) |  | (533 | ) |  | (45 | ) |  | (877 | ) |  | (600 | ) |  | (10,128 | )
Recoveries of loans and leases previously charged off | 444 |  |  | 2,311 |  |  | 132 |  |  | 440 |  |  | 164 |  |  | 216 |  |  | 107 |  |  | 3,814 |
Net loans and leases recovered (charged off) | 50 |  |  | (4,870 | ) |  | (366 | ) |  | (93 | ) |  | 119 |  |  | (661 | ) |  | (493 | ) |  | (6,314 | )
Provision for loan and lease losses (1) | (5,529 | ) |  | 7,710 |  |  | (662 | ) |  | (109 | ) |  | (664 | ) |  | 798 |  |  | 672 |  |  | 2,216 |
Balance at September 30, 2019 | $ | 49,380 |  |  | $ | 69,181 |  |  | $ | 17,953 |  |  | $ | 18,690 |  |  | $ | 4,383 |  |  | $ | 3,500 |  |  | $ | 3,048 |  |  | $ | 166,135 |
Three months ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2018 | $ | 56,583 |  |  | $ | 59,045 |  |  | $ | 16,247 |  |  | $ | 14,504 |  |  | $ | 5,988 |  |  | $ | 1,699 |  |  | $ | 1,984 |  |  | $ | 156,050 |
Loans and leases charged off | (650 | ) |  | (3,541 | ) |  | (743 | ) |  | (483 | ) |  | (212 | ) |  | (672 | ) |  | (582 | ) |  | (6,883 | )
Recoveries of loans and leases previously charged off | 928 |  |  | 731 |  |  | 217 |  |  | 317 |  |  | 664 |  |  | 390 |  |  | 595 |  |  | 3,842 |
Net loans and leases recovered (charged off) | 278 |  |  | (2,810 | ) |  | (526 | ) |  | (166 | ) |  | 452 |  |  | (282 | ) |  | 13 |  |  | (3,041 | )
Provision for loan and lease losses (1) | (2,750 | ) |  | (301 | ) |  | 2,890 |  |  | 3,774 |  |  | (961 | ) |  | 1,429 |  |  | 720 |  |  | 4,801 |
Balance at September 30, 2018 | $ | 54,111 |  |  | $ | 55,934 |  |  | $ | 18,611 |  |  | $ | 18,112 |  |  | $ | 5,479 |  |  | $ | 2,846 |  |  | $ | 2,717 |  |  | $ | 157,810 |
Nine months ended September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2018 | $ | 52,889 |  |  | $ | 58,868 |  |  | $ | 18,911 |  |  | $ | 18,921 |  |  | $ | 5,061 |  |  | $ | 3,217 |  |  | $ | 2,670 |  |  | $ | 160,537 |
Loans and leases charged off | (1,769 | ) |  | (11,863 | ) |  | (923 | ) |  | (1,322 | ) |  | (143 | ) |  | (2,355 | ) |  | (1,833 | ) |  | (20,208 | )
Recoveries of loans and leases previously charged off | 749 |  |  | 6,234 |  |  | 552 |  |  | 783 |  |  | 1,493 |  |  | 1,005 |  |  | 484 |  |  | 11,300 |
Net loans and leases recovered (charged off) | (1,020 | ) |  | (5,629 | ) |  | (371 | ) |  | (539 | ) |  | 1,350 |  |  | (1,350 | ) |  | (1,349 | ) |  | (8,908 | )
Provision for loan losses (1) | (2,489 | ) |  | 15,942 |  |  | (587 | ) |  | 308 |  |  | (2,028 | ) |  | 1,633 |  |  | 1,727 |  |  | 14,506 |
Balance at September 30, 2019 | $ | 49,380 |  |  | $ | 69,181 |  |  | $ | 17,953 |  |  | $ | 18,690 |  |  | $ | 4,383 |  |  | $ | 3,500 |  |  | $ | 3,048 |  |  | $ | 166,135 |
Nine months ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2017 | $ | 58,793 |  |  | $ | 66,280 |  |  | $ | 18,127 |  |  | $ | 16,088 |  |  | $ | 6,620 |  |  | $ | 2,045 |  |  | $ | 1,957 |  |  | $ | 169,910 |
Loans and leases charged off | (1,283 | ) |  | (46,178 | ) |  | (1,967 | ) |  | (1,128 | ) |  | (976 | ) |  | (2,276 | ) |  | (1,632 | ) |  | (55,440 | )
Recoveries of loans and leases previously charged off | 1,528 |  |  | 2,347 |  |  | 694 |  |  | 520 |  |  | 1,414 |  |  | 1,015 |  |  | 957 |  |  | 8,475 |
Net loans and leases recovered (charged off) | 245 |  |  | (43,831 | ) |  | (1,273 | ) |  | (608 | ) |  | 438 |  |  | (1,261 | ) |  | (675 | ) |  | (46,965 | )
Provision for loan losses (1) | (4,927 | ) |  | 33,485 |  |  | 1,757 |  |  | 2,632 |  |  | (1,579 | ) |  | 2,062 |  |  | 1,435 |  |  | 34,865 |
Balance at September 30, 2018 | $ | 54,111 |  |  | $ | 55,934 |  |  | $ | 18,611 |  |  | $ | 18,112 |  |  | $ | 5,479 |  |  | $ | 2,846 |  |  | $ | 2,717 |  |  | $ | 157,810 |
(1) | The provision for loan and lease losses excluded a $46,000 and a $2.2 million decrease in the reserve for unfunded lending commitments for the three and nine months ended September 30, 2019, respectively, and a $3.2 million decrease and a $3.8 million increase in the reserve for unfunded lending commitments for the three and nine months ended September 30, 2018, respectively.
The following table presents loans and leases, net of unearned income and their related allowance for loan and lease 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 |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Allowance for loan and lease losses at September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 42,766 |  |  | $ | 58,722 |  |  | $ | 8,033 |  |  | $ | 9,678 |  |  | $ | 3,970 |  |  | $ | 3,495 |  |  | $ | 2,944 |  |  | $ | 129,608 |
Individually evaluated for impairment | 6,614 |  |  | 10,459 |  |  | 9,920 |  |  | 9,012 |  |  | 413 |  |  | 5 |  |  | 104 |  |  | 36,527 |
| $ | 49,380 |  |  | $ | 69,181 |  |  | $ | 17,953 |  |  | $ | 18,690 |  |  | $ | 4,383 |  |  | $ | 3,500 |  |  | $ | 3,048 |  |  | $ | 166,135 |
Loans and leases, net of unearned income at September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 6,543,781 |  |  | $ | 4,453,062 |  |  | $ | 1,323,950 |  |  | $ | 2,533,295 |  |  | $ | 909,811 |  |  | $ | 464,206 |  |  | $ | 275,552 |  |  | $ | 16,503,657 |
Individually evaluated for impairment | 60,853 |  |  | 41,434 |  |  | 22,165 |  |  | 37,498 |  |  | 3,833 |  |  | 7 |  |  | 17,419 |  |  | 183,209 |
| $ | 6,604,634 |  |  | $ | 4,494,496 |  |  | $ | 1,346,115 |  |  | $ | 2,570,793 |  |  | $ | 913,644 |  |  | $ | 464,213 |  |  | $ | 292,971 |  |  | $ | 16,686,866 |
Allowance for loan and lease losses at September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 46,812 |  |  | $ | 47,028 |  |  | $ | 7,856 |  |  | $ | 8,369 |  |  | $ | 4,718 |  |  | $ | 2,841 |  |  | $ | 2,717 |  |  | $ | 120,341 |
Individually evaluated for impairment | 7,299 |  |  | 8,906 |  |  | 10,755 |  |  | 9,743 |  |  | 761 |  |  | 5 |  |  | — |  |  | 37,469 |
| $ | 54,111 |  |  | $ | 55,934 |  |  | $ | 18,611 |  |  | $ | 18,112 |  |  | $ | 5,479 |  |  | $ | 2,846 |  |  | $ | 2,717 |  |  | $ | 157,810 |
Loans and leases, net of unearned income at September 30, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 6,290,143 |  |  | $ | 4,235,953 |  |  | $ | 1,444,898 |  |  | $ | 2,133,718 |  |  | $ | 971,167 |  |  | $ | 390,700 |  |  | $ | 285,021 |  |  | $ | 15,751,600 |
Individually evaluated for impairment | 47,841 |  |  | 52,870 |  |  | 24,254 |  |  | 39,830 |  |  | 8,690 |  |  | 8 |  |  | — |  |  | 173,493 |
| $ | 6,337,984 |  |  | $ | 4,288,823 |  |  | $ | 1,469,152 |  |  | $ | 2,173,548 |  |  | $ | 979,857 |  |  | $ | 390,708 |  |  | $ | 285,021 |  |  | $ | 15,925,093 |
Total Impaired Loans by Class Segment | The following table presents total impaired loans and leases by class segment:
| September 30, 2019 |  | December 31, 2018
| 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 | $ | 31,305 |  |  | $ | 29,156 |  |  | $ | — |  |  | $ | 25,095 |  |  | $ | 23,481 |  |  | $ | — |
Commercial | 27,060 |  |  | 21,617 |  |  | — |  |  | 33,493 |  |  | 26,585 |  |  | — |
Real estate - residential mortgage | 4,531 |  |  | 4,368 |  |  | — |  |  | 3,149 |  |  | 3,149 |  |  | — |
Construction | 6,449 |  |  | 2,598 |  |  | — |  |  | 8,980 |  |  | 5,083 |  |  | — |
Equipment lease financing | 19,269 |  |  | 17,003 |  |  | — |  |  | 19,269 |  |  | 19,268 |  |  | — |
| 88,614 |  |  | 74,742 |  |  | — |  |  | 89,986 |  |  | 77,566 |  |  | — |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 38,393 |  |  | 31,697 |  |  | 6,614 |  |  | 29,005 |  |  | 22,592 |  |  | 7,255 |
Commercial | 29,146 |  |  | 19,817 |  |  | 10,459 |  |  | 37,706 |  |  | 28,708 |  |  | 12,513 |
Real estate - residential mortgage | 37,559 |  |  | 33,130 |  |  | 9,012 |  |  | 39,972 |  |  | 35,621 |  |  | 9,394 |
Real estate - home equity | 25,317 |  |  | 22,165 |  |  | 9,920 |  |  | 26,599 |  |  | 23,373 |  |  | 10,370 |
Real estate - construction | 4,724 |  |  | 1,235 |  |  | 413 |  |  | 5,984 |  |  | 2,307 |  |  | 793 |
Consumer | 7 |  |  | 7 |  |  | 5 |  |  | 11 |  |  | 11 |  |  | 7 |
Equipment lease financing | 416 |  |  | 416 |  |  | 104 |  |  | — |  |  | — |  |  | — |
| 135,562 |  |  | 108,467 |  |  | 36,527 |  |  | 139,277 |  |  | 112,612 |  |  | 40,332 |
Total | $ | 224,176 |  |  | $ | 183,209 |  |  | $ | 36,527 |  |  | $ | 229,263 |  |  | $ | 190,178 |  |  | $ | 40,332 |
As of September 30, 2019 and December 31, 2018, there were $74.7 million and $77.6 million, respectively, of impaired loans and leases that did not have a related allowance for loan and lease losses. The estimated fair values of the collateral securing these loans and leases exceeded their carrying amount, or the loans and leases 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 and leases by class segment:
| Three months ended September 30 |  | Nine months ended September 30
| 2019 |  | 2018 |  | 2019 |  | 2018
| 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 | $ | 29,865 |  |  | $ | 94 |  |  | $ | 26,051 |  |  | $ | 94 |  |  | $ | 27,028 |  |  | $ | 291 |  |  | $ | 25,702 |  |  | $ | 274 |
Commercial | 22,603 |  |  | 30 |  |  | 30,157 |  |  | 66 |  |  | 24,670 |  |  | 92 |  |  | 35,098 |  |  | 208 |
Real estate - residential mortgage | 4,384 |  |  | 26 |  |  | 3,182 |  |  | 20 |  |  | 3,761 |  |  | 69 |  |  | 3,872 |  |  | 71 |
Real estate -construction | 2,601 |  |  | — |  |  | 6,845 |  |  | — |  |  | 3,827 |  |  | — |  |  | 7,408 |  |  | — |
Equipment lease financing | 17,381 |  |  | — |  |  | — |  |  | — |  |  | 18,136 |  |  | — |  |  | — |  |  | — |
| 76,834 |  |  | 150 |  |  | 66,235 |  |  | 180 |  |  | 77,422 |  |  | 452 |  |  | 72,080 |  |  | 553 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 30,508 |  |  | 96 |  |  | 23,734 |  |  | 85 |  |  | 25,837 |  |  | 268 |  |  | 24,727 |  |  | 260 |
Commercial | 23,906 |  |  | 32 |  |  | 23,687 |  |  | 51 |  |  | 26,373 |  |  | 101 |  |  | 23,934 |  |  | 149 |
Real estate - home equity | 22,874 |  |  | 210 |  |  | 24,628 |  |  | 202 |  |  | 23,237 |  |  | 655 |  |  | 24,690 |  |  | 581 |
Real estate - residential mortgage | 33,035 |  |  | 198 |  |  | 36,396 |  |  | 227 |  |  | 34,535 |  |  | 638 |  |  | 36,578 |  |  | 671 |
Real estate -construction | 1,399 |  |  | — |  |  | 2,061 |  |  | — |  |  | 1,683 |  |  | — |  |  | 2,778 |  |  | — |
Consumer | 8 |  |  | — |  |  | 10 |  |  | — |  |  | 10 |  |  | — |  |  | 18 |  |  | — |
Equipment lease financing | 208 |  |  | — |  |  | — |  |  | — |  |  | 104 |  |  | — |  |  | — |  |  | — |
| 111,938 |  |  | 536 |  |  | 110,516 |  |  | 565 |  |  | 111,779 |  |  | 1,662 |  |  | 112,725 |  |  | 1,661 |
Total | $ | 188,772 |  |  | $ | 686 |  |  | $ | 176,751 |  |  | $ | 745 |  |  | $ | 189,201 |  |  | $ | 2,114 |  |  | $ | 184,805 |  |  | $ | 2,214 |
(1) | All impaired loans and leases were either TDRs or non-accrual loans and leases. Interest income recognized for the three and nine months ended September 30, 2019 and 2018 represented amounts earned on accruing TDRs.
Financing Receivable Credit Quality Indicators | The following table presents a summary of performing, delinquent and non-performing loans and leases for the indicated class segments:
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018
| (dollars in thousands)
Real estate - home equity | $ | 1,325,900 |  |  | $ | 1,431,666 |  |  | $ | 9,445 |  |  | $ | 10,702 |  |  | $ | 10,770 |  |  | $ | 9,769 |  |  | $ | 1,346,115 |  |  | $ | 1,452,137 |
Real estate - residential mortgage | 2,526,551 |  |  | 2,202,955 |  |  | 24,092 |  |  | 28,988 |  |  | 20,150 |  |  | 19,101 |  |  | 2,570,793 |  |  | 2,251,044 |
Construction - other | 82,787 |  |  | 71,511 |  |  | 1,296 |  |  | — |  |  | 187 |  |  | 490 |  |  | 84,270 |  |  | 72,001 |
Consumer - direct | 64,066 |  |  | 55,629 |  |  | 641 |  |  | 338 |  |  | 94 |  |  | 66 |  |  | 64,801 |  |  | 56,033 |
Consumer - indirect | 395,919 |  |  | 359,405 |  |  | 3,345 |  |  | 3,405 |  |  | 148 |  |  | 343 |  |  | 399,412 |  |  | 363,153 |
Total consumer | 459,985 |  |  | 415,034 |  |  | 3,986 |  |  | 3,743 |  |  | 242 |  |  | 409 |  |  | 464,213 |  |  | 419,186 |
Equipment lease financing, other and overdrafts | 274,239 |  |  | 267,112 |  |  | 1,066 |  |  | 1,302 |  |  | 17,666 |  |  | 19,587 |  |  | 292,971 |  |  | 288,001 |
| $ | 4,669,462 |  |  | $ | 4,388,278 |  |  | $ | 39,885 |  |  | $ | 44,735 |  |  | $ | 49,015 |  |  | $ | 49,356 |  |  | $ | 4,758,362 |  |  | $ | 4,482,369 |
% of Total | 98.1 | % |  | 97.9 | % |  | 0.9 | % |  | 1.0 | % |  | 1.0 | % |  | 1.1 | % |  | 100.0 | % |  | 100.0 | %
(1) | Includes all accruing loans and leases 30 days to 89 days past due.
(2) Includes all accruing loans and leases 90 days or more past due and all non-accrual loans and leases. The following table presents internal credit risk ratings for the indicated loan class segments:
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018 |  | September 30, 2019 |  | December 31, 2018
| (dollars in thousands)
Real estate - commercial mortgage | $ | 6,290,567 |  |  | $ | 6,129,463 |  |  | $ | 142,136 |  |  | $ | 170,827 |  |  | $ | 171,931 |  |  | $ | 133,995 |  |  | $ | 6,604,634 |  |  | $ | 6,434,285 |
Commercial - secured | 3,926,856 |  |  | 3,902,484 |  |  | 198,592 |  |  | 193,470 |  |  | 184,584 |  |  | 129,026 |  |  | 4,310,032 |  |  | 4,224,980 |
Commercial - unsecured | 175,761 |  |  | 171,589 |  |  | 5,082 |  |  | 4,016 |  |  | 3,621 |  |  | 3,963 |  |  | 184,464 |  |  | 179,568 |
Total commercial - industrial, financial and agricultural | 4,102,617 |  |  | 4,074,073 |  |  | 203,674 |  |  | 197,486 |  |  | 188,205 |  |  | 132,989 |  |  | 4,494,496 |  |  | 4,404,548 |
Construction - commercial residential | 112,163 |  |  | 104,079 |  |  | 2,871 |  |  | 6,912 |  |  | 3,627 |  |  | 6,881 |  |  | 118,661 |  |  | 117,872 |
Construction - commercial | 707,290 |  |  | 723,030 |  |  | 719 |  |  | 1,163 |  |  | 2,704 |  |  | 2,533 |  |  | 710,713 |  |  | 726,726 |
Total construction (excluding Construction - other) | 819,453 |  |  | 827,109 |  |  | 3,590 |  |  | 8,075 |  |  | 6,331 |  |  | 9,414 |  |  | 829,374 |  |  | 844,598 |
| $ | 11,212,637 |  |  | $ | 11,030,645 |  |  | $ | 349,400 |  |  | $ | 376,388 |  |  | $ | 366,467 |  |  | $ | 276,398 |  |  | $ | 11,928,504 |  |  | $ | 11,683,431 |
% of Total | 94.0 | % |  | 94.4 | % |  | 2.9 | % |  | 3.2 | % |  | 3.1 | % |  | 2.4 | % |  | 100.0 | % |  | 100.0 | %
Non-Performing Assets | The following table presents non-performing assets:
| September 30, 2019 |  | December 31, 2018
| (in thousands)
Non-accrual loans and leases | $ | 124,287 |  |  | $ | 128,572 |
Loans and leases 90 days or more past due and still accruing | 11,689 |  |  | 11,106 |
Total non-performing loans and leases | 135,976 |  |  | 139,678 |
Other real estate owned (OREO) | 7,706 |  |  | 10,518 |
Total non-performing assets | $ | 143,682 |  |  | $ | 150,196 |
Past due Loan Status and Non-Accrual Loans by Portfolio Segment | The following tables present past due status and non-accrual loans and leases by portfolio segment and class segment:
| September 30, 2019
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Total Past Due and Non-accrual |  | Current |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 25,100 |  |  | $ | 4,292 |  |  | $ | 1,301 |  |  | $ | 44,409 |  |  | $ | 75,102 |  |  | $ | 6,529,532 |  |  | $ | 6,604,634 |
Commercial - secured | 3,234 |  |  | 1,961 |  |  | 731 |  |  | 35,664 |  |  | 41,590 |  |  | 4,268,442 |  |  | 4,310,032 |
Commercial - unsecured | 91 |  |  | 85 |  |  | 153 |  |  | 578 |  |  | 907 |  |  | 183,557 |  |  | 184,464 |
Total commercial - industrial, financial and agricultural | 3,325 |  |  | 2,046 |  |  | 884 |  |  | 36,242 |  |  | 42,497 |  |  | 4,451,999 |  |  | 4,494,496 |
Real estate - home equity | 7,063 |  |  | 2,382 |  |  | 4,122 |  |  | 6,648 |  |  | 20,215 |  |  | 1,325,900 |  |  | 1,346,115 |
Real estate - residential mortgage | 17,801 |  |  | 6,291 |  |  | 4,414 |  |  | 15,736 |  |  | 44,242 |  |  | 2,526,551 |  |  | 2,570,793 |
Construction - commercial residential | 1,326 |  |  | — |  |  | 479 |  |  | 3,627 |  |  | 5,432 |  |  | 113,229 |  |  | 118,661 |
Construction - commercial | 392 |  |  | — |  |  | — |  |  | 19 |  |  | 411 |  |  | 710,302 |  |  | 710,713 |
Construction - other | 1,296 |  |  | — |  |  | — |  |  | 187 |  |  | 1,483 |  |  | 82,787 |  |  | 84,270 |
Total real estate - construction | 3,014 |  |  | — |  |  | 479 |  |  | 3,833 |  |  | 7,326 |  |  | 906,318 |  |  | 913,644 |
Consumer - direct | 521 |  |  | 120 |  |  | 94 |  |  | — |  |  | 735 |  |  | 64,066 |  |  | 64,801 |
Consumer - indirect | 2,890 |  |  | 455 |  |  | 148 |  |  | — |  |  | 3,493 |  |  | 395,919 |  |  | 399,412 |
Total consumer | 3,411 |  |  | 575 |  |  | 242 |  |  | — |  |  | 4,228 |  |  | 459,985 |  |  | 464,213 |
Equipment lease financing, other and overdrafts | 923 |  |  | 143 |  |  | 247 |  |  | 17,419 |  |  | 18,732 |  |  | 274,239 |  |  | 292,971 |
Total | $ | 60,637 |  |  | $ | 15,729 |  |  | $ | 11,689 |  |  | $ | 124,287 |  |  | $ | 212,342 |  |  | $ | 16,474,524 |  |  | $ | 16,686,866 |
| December 31, 2018
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Total Past Due and Non-accrual |  | Current |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 12,206 |  |  | $ | 1,500 |  |  | $ | 1,765 |  |  | $ | 30,388 |  |  | $ | 45,859 |  |  | $ | 6,388,426 |  |  | $ | 6,434,285 |
Commercial - secured | 5,227 |  |  | 938 |  |  | 1,068 |  |  | 49,299 |  |  | 56,532 |  |  | 4,168,448 |  |  | 4,224,980 |
Commercial - unsecured | 1,598 |  |  | — |  |  | 51 |  |  | 851 |  |  | 2,500 |  |  | 177,068 |  |  | 179,568 |
Total commercial - industrial, financial and agricultural | 6,825 |  |  | 938 |  |  | 1,119 |  |  | 50,150 |  |  | 59,032 |  |  | 4,345,516 |  |  | 4,404,548 |
Real estate - home equity | 7,144 |  |  | 3,558 |  |  | 3,061 |  |  | 6,708 |  |  | 20,471 |  |  | 1,431,666 |  |  | 1,452,137 |
Real estate - residential mortgage | 20,796 |  |  | 8,192 |  |  | 4,433 |  |  | 14,668 |  |  | 48,089 |  |  | 2,202,955 |  |  | 2,251,044 |
Construction - commercial residential | 2,489 |  |  | — |  |  | — |  |  | 6,881 |  |  | 9,370 |  |  | 108,502 |  |  | 117,872 |
Construction - commercial | — |  |  | — |  |  | — |  |  | 19 |  |  | 19 |  |  | 726,707 |  |  | 726,726 |
Construction - other | — |  |  | — |  |  | — |  |  | 490 |  |  | 490 |  |  | 71,511 |  |  | 72,001 |
Total real estate - construction | 2,489 |  |  | — |  |  | — |  |  | 7,390 |  |  | 9,879 |  |  | 906,720 |  |  | 916,599 |
Consumer - direct | 267 |  |  | 71 |  |  | 66 |  |  | — |  |  | 404 |  |  | 55,629 |  |  | 56,033 |
Consumer - indirect | 2,908 |  |  | 497 |  |  | 343 |  |  | — |  |  | 3,748 |  |  | 359,405 |  |  | 363,153 |
Total consumer | 3,175 |  |  | 568 |  |  | 409 |  |  | — |  |  | 4,152 |  |  | 415,034 |  |  | 419,186 |
Equipment lease financing, other and overdrafts | 1,005 |  |  | 297 |  |  | 319 |  |  | 19,268 |  |  | 20,889 |  |  | 267,112 |  |  | 288,001 |
Total | $ | 53,640 |  |  | $ | 15,053 |  |  | $ | 11,106 |  |  | $ | 128,572 |  |  | $ | 208,371 |  |  | $ | 15,957,429 |  |  | $ | 16,165,800 |
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs, by class segment:
| September 30, 2019 |  | December 31, 2018
| (in thousands)
Real estate - residential mortgage | $ | 21,762 |  |  | $ | 24,102 |
Real estate - commercial mortgage | 16,444 |  |  | 15,685 |
Real estate - home equity | 15,505 |  |  | 16,665 |
Commercial | 5,192 |  |  | 5,143 |
Consumer | 7 |  |  | 10 |
Total accruing TDRs | 58,910 |  |  | 61,605 |
Non-accrual TDRs (1) | 23,553 |  |  | 28,659 |
Total TDRs | $ | 82,463 |  |  | $ | 90,264 |
(1) Included in non-accrual loans and leases in the preceding table detailing non-performing assets
Loan Terms Modified Under Troubled Debt Restructurings | he following table presents TDRs, by class segment, as of September 30, 2019 and 2018 that were modified in the previous 12 months and had a post-modification payment default during the nine months ended September 30, 2019 and 2018. The Corporation defines a payment default as a single missed payment.
| 2019 |  | 2018
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Real estate - residential mortgage | 1 |  |  | $ | 231 |  |  | 6 |  |  | $ | 724 |
Real estate - commercial mortgage | — |  |  | — |  |  | 2 |  |  | 452 |
Real estate - home equity | 16 |  |  | 657 |  |  | 25 |  |  | 1,591 |
Commercial | 4 |  |  | 190 |  |  | 4 |  |  | 5,042 |
Total | 21 |  |  | $ | 1,078 |  |  | 37 |  |  | $ | 7,809 |
The following table presents TDRs, by class segment, for loans that were modified during the three and nine months ended September 30, 2019 and 2018:
| Three months ended September 30 |  | Nine months ended September 30
| 2019 |  | 2018 |  | 2019 |  | 2018
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Real estate - residential mortgage | 1 |  |  | $ | 830 |  |  | 4 |  |  | $ | 597 |  |  | 6 |  |  | $ | 2,263 |  |  | 6 |  |  | $ | 679 |
Real estate - commercial mortgage | 1 |  |  | 81 |  |  | — |  |  | — |  |  | 1 |  |  | 81 |  |  | — |  |  | — |
Real estate - home equity | 12 |  |  | 327 |  |  | 24 |  |  | 1,002 |  |  | 46 |  |  | 2,281 |  |  | 71 |  |  | 4,045 |
Commercial | 3 |  |  | 97 |  |  | 2 |  |  | 913 |  |  | 13 |  |  | 4,928 |  |  | 13 |  |  | 10,325 |
Total | 17 |  |  | $ | 1,335 |  |  | 30 |  |  | $ | 2,512 |  |  | 66 |  |  | $ | 9,553 |  |  | 90 |  |  | $ | 15,049 |

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