XML 95 R25.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2020
Receivables [Abstract] |
Summary of Gross Loans by Type |
| March 31, 2020 |  | December 31, 2019
| (in thousands)
Real estate - commercial mortgage | $ | 6,895,069 |  |  | $ | 6,700,776 |
Commercial and industrial | 4,451,239 |  |  | 4,446,701 |
Real estate - residential mortgage | 2,718,290 |  |  | 2,641,465 |
Real estate - home equity | 1,292,677 |  |  | 1,314,944 |
Real estate - construction | 947,768 |  |  | 971,079 |
Consumer | 468,172 |  |  | 463,164 |
Equipment lease financing and other | 327,272 |  |  | 322,625 |
Overdrafts | 2,381 |  |  | 3,582 |
Gross loans | 17,102,868 |  |  | 16,864,336 |
Unearned income | (25,465 | ) |  | (26,810 | )
Net Loans | $ | 17,077,403 |  |  | $ | 16,837,526 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL for the three months ended March 31, 2020 (in thousands):
Balance at December 31, 2019 | $ | 166,209 |
Impact of adopting CECL (1) | 58,349 |
Loans charged off | (14,003 | )
Recoveries of loans previously charged off | 2,887 |
Net loans charged off | (11,116 | )
Provision for credit losses (2) | 44,029 |
Balance at March 31, 2020 | $ | 257,471 |
(1) Includes $12.6 million of reserves for OBS credit exposures as of January 1, 2020. (2) Includes $3.8 million of provision related to OBS credit exposures. The following table presents the activity in the ACL - loans by portfolio segment, for the three months ended March 31, 2020:
| Real Estate - Commercial Mortgage |  | Commercial and Industrial |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2019 | $ | 45,610 |  |  | $ | 68,602 |  |  | $ | 17,744 |  |  | $ | 19,771 |  |  | $ | 4,443 |  |  | $ | 3,762 |  |  | $ | 3,690 |  |  | $ | 163,622 |
Impact of adopting CECL | 29,361 |  |  | (18,576 | ) |  | (65 | ) |  | 21,235 |  |  | 4,015 |  |  | 5,969 |  |  | 3,784 |  |  | 45,723 |
Loans charged off | (855 | ) |  | (10,899 | ) |  | (316 | ) |  | (187 | ) |  | — |  |  | (1,213 | ) |  | (533 | ) |  | (14,003 | )
Recoveries of loans previously charged off | 244 |  |  | 1,734 |  |  | 646 |  |  | 85 |  |  | 70 |  |  | — |  |  | 108 |  |  | 2,887 |
Net loans recovered (charged off) | (611 | ) |  | (9,165 | ) |  | 330 |  |  | (102 | ) |  | 70 |  |  | (1,213 | ) |  | (425 | ) |  | (11,116 | )
Provision for credit losses(1) | 15,959 |  |  | 22,745 |  |  | (2,756 | ) |  | 1,523 |  |  | (130 | ) |  | 1,347 |  |  | 1,591 |  |  | 40,279 |
Balance at March 31, 2020 | $ | 90,319 |  |  | $ | 63,606 |  |  | $ | 15,253 |  |  | $ | 42,427 |  |  | $ | 8,398 |  |  | $ | 9,865 |  |  | $ | 8,640 |  |  | $ | 238,508 |
(1) Provision included in the table only includes the portion related to Net Loans. The following table presents the ACL - loans and amortized cost basis of Net Loans under CECL methodology as of March 31, 2020:
|  |  | ACL - Loans |  |  |  | Net Loans |  |
|  |  | Collectively Evaluated for Impairment |  | Individually Evaluated for Impairment |  | Total ACL - Loans |  | Collectively Evaluated for Impairment |  | Individually Evaluated for Impairment |  | Total Net Loans
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |
| Real Estate - Commercial Mortgage | $ | 84,173 |  |  | $ | 6,146 |  |  | $ | 90,319 |  |  | $ | 6,851,765 |  |  | $ | 43,304 |  |  | $ | 6,895,069 |
| Commercial and Industrial | 57,640 |  |  | 5,966 |  |  | 63,606 |  |  | 4,405,393 |  |  | 45,846 |  |  | 4,451,239 |
| Real Estate - Home Equity | 7,806 |  |  | 7,447 |  |  | 15,253 |  |  | 2,696,515 |  |  | 21,775 |  |  | 2,718,290 |
| Real Estate - Residential Mortgage | 36,935 |  |  | 5,492 |  |  | 42,427 |  |  | 1,254,677 |  |  | 38,000 |  |  | 1,292,677 |
| Real Estate - Construction | 8,168 |  |  | 230 |  |  | 8,398 |  |  | 944,209 |  |  | 3,559 |  |  | 947,768 |
| Consumer | 9,861 |  |  | 4 |  |  | 9,865 |  |  | 468,165 |  |  | 7 |  |  | 468,172 |
| Equipment Lease Financing and Other | 8,640 |  |  | — |  |  | 8,640 |  |  | 287,789 |  |  | 16,399 |  |  | 304,188 |
Total | $ | 213,223 |  |  | $ | 25,285 |  |  | $ | 238,508 |  |  | $ | 16,908,513 |  |  | $ | 168,890 |  |  | $ | 17,077,403 |
The following table presents the activity in the ACL for the three month ended March 31, 2019 (in thousands):
Balance at beginning of period, December 31, 2018 | $ | 169,410 |
Loans charged off | (6,369 | )
Recoveries of loans previously charged off | 2,231 |
Net loans charged off | (4,138 | )
Provision for credit losses(1) | 5,100 |
Balance at end of period, March 31, 2019 | $ | 170,372 |
(1) Includes $610,000 release of provision related to reserve for unfunded lending commitments. The following table presents the activity in the allowance for loan losses, by portfolio segment, for the three months ended March 31, 2019:
| Real Estate - Commercial Mortgage |  | Commercial & Industrial |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Three months ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2018 | $ | 52,889 |  |  | $ | 58,868 |  |  | $ | 18,911 |  |  | $ | 18,921 |  |  | $ | 5,061 |  |  | $ | 3,217 |  |  | $ | 2,670 |  |  | $ | 160,537 |
Loans charged off | (1,145 | ) |  | (2,787 | ) |  | (219 | ) |  | (655 | ) |  | (95 | ) |  | (683 | ) |  | (785 | ) |  | (6,369 | )
Recoveries of loans previously charged off | 136 |  |  | 1,243 |  |  | 197 |  |  | 132 |  |  | 84 |  |  | 210 |  |  | 229 |  |  | 2,231 |
Net loans recovered (charged off) | (1,009 | ) |  | (1,544 | ) |  | (22 | ) |  | (523 | ) |  | (11 | ) |  | (473 | ) |  | (556 | ) |  | (4,138 | )
Provision for loan losses(1) | 66 |  |  | 3,177 |  |  | 326 |  |  | 748 |  |  | (109 | ) |  | 575 |  |  | 927 |  |  | 5,710 |
Balance at March 31, 2019 | $ | 51,946 |  |  | $ | 60,501 |  |  | $ | 19,215 |  |  | $ | 19,146 |  |  | $ | 4,941 |  |  | $ | 3,319 |  |  | $ | 3,041 |  |  | $ | 162,109 |
(1) The provision in the table only includes the portion related to net loans. The following table presents Net Loans and their related allowance for loan losses, by portfolio segment as of March 31, 2019:
| Real Estate - Commercial Mortgage |  | Commercial and Industrial |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 45,736 |  |  | $ | 48,266 |  |  | $ | 8,619 |  |  | $ | 9,560 |  |  | $ | 4,390 |  |  | $ | 3,312 |  |  | $ | 3,041 |  |  | $ | 122,924 |
Individually evaluated for impairment | 6,210 |  |  | 12,235 |  |  | 10,596 |  |  | 9,586 |  |  | 551 |  |  | 7 |  |  | — |  |  | 39,185 |
| $ | 51,946 |  |  | $ | 60,501 |  |  | $ | 19,215 |  |  | $ | 19,146 |  |  | $ | 4,941 |  |  | $ | 3,319 |  |  | $ | 3,041 |  |  | $ | 162,109 |
Net Loans: |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 6,384,048 |  |  | $ | 4,373,677 |  |  | $ | 1,389,670 |  |  | $ | 2,274,330 |  |  | $ | 946,436 |  |  | $ | 433,534 |  |  | $ | 271,854 |  |  | $ | 16,073,549 |
Individually evaluated for impairment | 44,640 |  |  | 55,861 |  |  | 23,830 |  |  | 39,578 |  |  | 6,651 |  |  | 11 |  |  | 18,513 |  |  | 189,084 |
| $ | 6,428,688 |  |  | $ | 4,429,538 |  |  | $ | 1,413,500 |  |  | $ | 2,313,908 |  |  | $ | 953,087 |  |  | $ | 433,545 |  |  | $ | 290,367 |  |  | $ | 16,262,633 |
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL as of December 31, 2019 (in thousands):
Allowance for loan losses | $ | 163,622 |
Reserve for unfunded lending commitments | 2,587 |
ACL | $ | 166,209 |
The following table presents the components of the ACL as of March 31, 2020 (in thousands):
| March 31, 2020
ACL - loans | $ | 238,508 |
ACL - OBS credit exposure | 18,963 |
Total ACL | $ | 257,471 |
Total Impaired Loans by Class Segment | The following table presents total non-accrual loans by class segment as of the following periods (in thousands):
| March 31, 2020 |  | December 31, 2019
| Non-accrual Loans |  |
| With a Related Allowance |  | Without a Related Allowance |  | Total |  | Total Non-accrual loans
Real estate - commercial mortgage | $ | 19,319 |  |  | $ | 16,337 |  |  | $ | 35,656 |  |  | $ | 33,166 |
Commercial and industrial | 15,683 |  |  | 25,393 |  |  | 41,076 |  |  | 48,106 |
Real estate - residential mortgage | 15,134 |  |  | 1,260 |  |  | 16,394 |  |  | 16,676 |
Real estate - home equity | 7,261 |  |  | — |  |  | 7,261 |  |  | 7,004 |
Real estate - construction | 1,127 |  |  | 2,432 |  |  | 3,559 |  |  | 3,618 |
Equipment lease financing and other | — |  |  | 16,399 |  |  | 16,399 |  |  | 16,528 |
| $ | 58,524 |  |  | $ | 61,821 |  |  | $ | 120,345 |  |  | $ | 125,098 |
Financing Receivable Credit Quality Indicators | The following table summarizes designated internal risk categories by portfolio segment and loan class, by origination year, as of March 31, 2020:
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
| 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Cost Basis | Cost Basis | Total
Real estate - construction |  |  |  |  |  |  |  |  |
| Pass | $ | 15,264 |  | $ | 207,620 |  | $ | 207,198 |  | $ | 151,785 |  | $ | 50,763 |  | $ | 169,515 |  | $ | 34,143 |  | $ | — |  | $ | 836,288 |
| Special Mention | — |  | 242 |  | 4,010 |  | — |  | 1,177 |  | 2,812 |  | 552 |  | — |  | 8,793 |
| Substandard or Lower | — |  | 155 |  | — |  | — |  | 409 |  | 5,701 |  | 524 |  | — |  | 6,789 |
| Total real estate - construction | 15,264 |  | 208,017 |  | 211,208 |  | 151,785 |  | 52,349 |  | 178,028 |  | 35,219 |  | — |  | 851,870 |
Real estate - construction |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 70 |  | — |  | — |  | 70 |
| Current period net charge-offs | — |  | — |  | — |  | — |  | — |  | 70 |  | — |  | — |  | 70 |
Commercial and industrial |  |  |  |  |  |  |  |
| Pass | 168,025 |  | 624,970 |  | 386,768 |  | 270,298 |  | 243,397 |  | 684,875 |  | 1,753,315 |  | 1,469 |  | 4,133,117 |
| Special Mention | 2,192 |  | 6,618 |  | 12,636 |  | 10,854 |  | 17,833 |  | 39,986 |  | 68,501 |  | 128 |  | 158,748 |
| Substandard or Lower | 1,962 |  | 1,648 |  | 15,229 |  | 14,390 |  | 11,508 |  | 27,280 |  | 85,565 |  | 1,792 |  | 159,374 |
| Total commercial and industrial | 172,179 |  | 633,236 |  | 414,633 |  | 295,542 |  | 272,738 |  | 752,141 |  | 1,907,381 |  | 3,389 |  | 4,451,239 |
Commercial and industrial loans |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | (48 | ) | — |  | (92 | ) | (10,759 | ) | — |  | (10,899 | )
| Current period recoveries | — |  | — |  | 121 |  | 59 |  | 39 |  | 1,410 |  | 105 |  | — |  | 1,734 |
| Current period net charge-offs | — |  | — |  | 121 |  | 11 |  | 39 |  | 1,318 |  | (10,654 | ) | — |  | (9,165 | )
Real estate - commercial |  |  |  |  |  |  |  |
| Pass | 292,395 |  | 907,650 |  | 794,055 |  | 933,439 |  | 946,455 |  | 2,676,281 |  | 72,827 |  | 5,517 |  | 6,628,619 |
| Special Mention | 110 |  | 2,712 |  | 14,966 |  | 17,897 |  | 18,254 |  | 81,555 |  | 3,131 |  | — |  | 138,625 |
| Substandard or Lower | — |  | 246 |  | 8,224 |  | 31,411 |  | 9,014 |  | 77,394 |  | 1,536 |  | — |  | 127,825 |
| Total real estate - commercial | 292,505 |  | 910,608 |  | 817,245 |  | 982,747 |  | 973,723 |  | 2,835,230 |  | 77,494 |  | 5,517 |  | 6,895,069 |
Real estate - commercial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (16 | ) | — |  | (5 | ) | (834 | ) | — |  | — |  | (855 | )
| Current period recoveries | — |  | — |  | — |  | — |  | 1 |  | 243 |  | — |  | — |  | 244 |
| Current period net charge-offs | — |  | — |  | (16 | ) | — |  | (4 | ) | (591 | ) | — |  | — |  | (611 | )
Total |  |  |  |  |  |  |  |
| Pass | $ | 475,684 |  | $ | 1,740,240 |  | $ | 1,388,021 |  | $ | 1,355,522 |  | $ | 1,240,615 |  | $ | 3,530,671 |  | $ | 1,860,285 |  | $ | 6,986 |  | $ | 11,598,024 |
| Special Mention | 2,302 |  | 9,572 |  | 31,612 |  | 28,751 |  | 37,264 |  | 124,353 |  | 72,184 |  | 128 |  | 306,166 |
| Substandard or Lower | 1,962 |  | 2,049 |  | 23,453 |  | 45,801 |  | 20,931 |  | 110,375 |  | 87,625 |  | 1,792 |  | 293,988 |
| Total | 479,948 |  | 1,751,861 |  | 1,443,086 |  | 1,430,074 |  | 1,298,810 |  | 3,765,399 |  | 2,020,094 |  | 8,906 |  | 12,198,178 |
The information presented in the table above is not required for periods prior to the adoption of CECL. The following table presents the most comparable required information for the prior period, internal credit risk ratings for the indicated loan class segments as of December 31, 2019:
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| December 31, 2019
| (dollars in thousands)
Real estate - commercial mortgage | $ | 6,429,407 |  |  | $ | 137,163 |  |  | $ | 134,206 |  |  | $ | 6,700,776 |
Commercial and industrial - secured | 3,830,847 |  |  | 171,442 |  |  | 195,884 |  |  | 4,198,173 |
Commercial and industrial - unsecured | 234,987 |  |  | 9,665 |  |  | 3,876 |  |  | 248,528 |
Total commercial and industrial | 4,065,834 |  |  | 181,107 |  |  | 199,760 |  |  | 4,446,701 |
Construction - commercial residential | 100,808 |  |  | 2,897 |  |  | 3,461 |  |  | 107,166 |
Construction - commercial | 765,562 |  |  | 1,322 |  |  | 2,676 |  |  | 769,560 |
Total construction (excluding Construction - other) | 866,370 |  |  | 4,219 |  |  | 6,137 |  |  | 876,726 |
| $ | 11,361,611 |  |  | $ | 322,489 |  |  | $ | 340,103 |  |  | $ | 12,024,203 |
% of Total | 94.5 | % |  | 2.7 | % |  | 2.8 | % |  | 100.0 | %
The following table presents the amortized cost of these loans based on payment activity, by origination year, as of March 31, 2020:
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
|  | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Cost Basis | Cost Basis | Total
Real estate - home equity |  |  |  |  |  |  |  |  |
| Performing | $ | 5,325 |  | $ | 8,862 |  | $ | 15,818 |  | $ | 15,412 |  | $ | 15,729 |  | $ | 163,189 |  | $ | 1,054,889 |  | $ | 2,667 |  | $ | 1,281,891 |
| Nonperforming | — |  | — |  | 153 |  | 381 |  | 241 |  | 2,489 |  | 7,522 |  | — |  | 10,786 |
| Total real estate - home equity | 5,325 |  | 8,862 |  | 15,971 |  | 15,793 |  | 15,970 |  | 165,678 |  | 1,062,411 |  | 2,667 |  | 1,292,677 |
Real estate - home equity |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | (90 | ) | (197 | ) | — |  | — |  | (287 | )
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 217 |  | — |  | — |  | 217 |
| Current period net charge-offs | — |  | — |  | — |  | — |  | (90 | ) | 20 |  | — |  | — |  | (70 | )
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 169,609 |  | 706,861 |  | 378,541 |  | 499,825 |  | 347,773 |  | 589,717 |  | — |  | — |  | 2,692,326 |
| Nonperforming | — |  | 506 |  | 2,181 |  | 3,079 |  | 381 |  | 19,817 |  | — |  | — |  | 25,964 |
| Total real estate - residential mortgage | 169,609 |  | 707,367 |  | 380,722 |  | 502,904 |  | 348,154 |  | 609,534 |  | — |  | — |  | 2,718,290 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (15 | ) | (80 | ) | — |  | — |  | (92 | ) | — |  | — |  | (187 | )
| Current period recoveries | — |  | — |  | 4 |  | — |  | — |  | 81 |  | — |  | — |  | 85 |
| Current period net charge-offs | — |  | (15 | ) | (76 | ) | — |  | — |  | (11 | ) | — |  | — |  | (102 | )
Consumer |  |  |  |  |  |  |  |
| Performing | 33,478 |  | 122,882 |  | 125,090 |  | 59,335 |  | 33,219 |  | 46,978 |  | 46,494 |  | — |  | 467,476 |
| Nonperforming | — |  | 102 |  | 31 |  | 41 |  | 100 |  | 273 |  | 149 |  | — |  | 696 |
| Total consumer credit - other consumer loans | 33,478 |  | 122,984 |  | 125,121 |  | 59,376 |  | 33,319 |  | 47,251 |  | 46,643 |  | — |  | 468,172 |
Consumer |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (212 | ) | (219 | ) | (254 | ) | (166 | ) | (391 | ) | — |  | — |  | (1,242 | )
| Current period recoveries | 83 |  | 45 |  | 40 |  | — |  | — |  | 261 |  | — |  | — |  | 429 |
| Current period net charge-offs | 83 |  | (167 | ) | (179 | ) | (254 | ) | (166 | ) | (130 | ) | — |  | — |  | (813 | )
Equipment Lease Financing and Other |  |  |  |  |  |  |  |
| Performing | 43,624 |  | 88,926 |  | 66,722 |  | 50,454 |  | 25,179 |  | 8,638 |  |  | — |  | 283,543 |
| Nonperforming | 956 |  | 3,115 |  | 225 |  | 16,039 |  | 284 |  | 26 |  |  | — |  | 20,645 |
| Total leasing and other | 44,580 |  | 92,041 |  | 66,947 |  | 66,493 |  | 25,463 |  | 8,664 |  | — |  | — |  | 304,188 |
Equipment Lease Financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | (95 | ) | — |  | (438 | ) | — |  | — |  | (533 | )
| Current period recoveries | 5 |  | 7 |  | — |  | 64 |  | — |  | 32 |  | — |  | — |  | 108 |
| Current period net charge-offs | 5 |  | 7 |  | — |  | (31 | ) | — |  | (406 | ) | — |  | — |  | (425 | )
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 7,226 |  | 73,650 |  | 7,678 |  | 1,304 |  | 16 |  | — |  | 5,841 |  | — |  | 95,715 |
| Nonperforming | — |  | 183 |  | — |  | — |  | — |  | — |  | — |  | — |  | 183 |
| Total leasing and other | 7,226 |  | 73,833 |  | 7,678 |  | 1,304 |  | 16 |  | — |  | 5,841 |  | — |  | 95,898 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period net charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 259,262 |  | $ | 1,001,181 |  | $ | 593,849 |  | $ | 626,330 |  | $ | 421,916 |  | $ | 808,522 |  | $ | 1,107,224 |  | $ | 2,667 |  | $ | 4,820,951 |
| Nonperforming | 956 |  | 3,906 |  | 2,590 |  | 19,540 |  | 1,006 |  | 22,605 |  | 7,671 |  | — |  | 58,274 |
| Total | 260,218 |  | 1,005,087 |  | 596,439 |  | 645,870 |  | 422,922 |  | 831,127 |  | 1,114,895 |  | 2,667 |  | 4,879,225 |
The information presented in the table above is not required for periods prior to the adoption of CECL. The following table presents the most comparable required information for the prior period, a summary of performing, delinquent and non-performing loans for the indicated class segments as of December 31, 2019:
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| December 31, 2019
| (dollars in thousands)
Real estate - home equity | $ | 1,292,035 |  |  | $ | 12,341 |  |  | $ | 10,568 |  |  | $ | 1,314,944 |
Real estate - residential mortgage | 2,584,763 |  |  | 34,291 |  |  | 22,411 |  |  | 2,641,465 |
Construction - other | 92,649 |  |  | 895 |  |  | 809 |  |  | 94,353 |
Consumer - direct | 63,582 |  |  | 465 |  |  | 190 |  |  | 64,237 |
Consumer - indirect | 393,974 |  |  | 4,685 |  |  | 268 |  |  | 398,927 |
Total consumer | 457,556 |  |  | 5,150 |  |  | 458 |  |  | 463,164 |
Equipment lease financing and other | 278,743 |  |  | 4,012 |  |  | 16,642 |  |  | 299,397 |
| $ | 4,705,746 |  |  | $ | 56,689 |  |  | $ | 50,888 |  |  | $ | 4,813,323 |
% of Total | 97.8 | % |  | 1.2 | % |  | 1.0 | % |  | 100 | %
(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, 2020 |  | December 31, 2019
| (in thousands)
Non-accrual loans | $ | 120,345 |  |  | $ | 125,098 |
Loans 90 days or more past due and still accruing | 19,593 |  |  | 16,057 |
Total non-performing loans | 139,938 |  |  | 141,155 |
OREO (1) | 6,593 |  |  | 6,831 |
Total non-performing assets | $ | 146,531 |  |  | $ | 147,986 |
(1) Excludes $14.8 million of residential mortgage properties for which formal foreclosure proceedings were in process as of March 31, 2020.
Past due Loan Status and Non-Accrual Loans by Portfolio Segment | The following tables present the aging of the amortized cost basis of loans, by class segment:
| 30-59 |  | 60-89 |  | ≥ 90 Days |  |  |  |  |  |
| Days Past |  | Days Past |  | Past Due |  | Non- |  |  |  |
March 31, 2020 | Due |  | Due |  | and Accruing |  | Accrual |  | Current |  | Total
Real estate – commercial mortgage | $ | 20,052 |  |  | $ | 1,028 |  |  | $ | 879 |  |  | $ | 35,657 |  |  | $ | 6,837,453 |  |  | $ | 6,895,069 |
Commercial and industrial | 3,401 |  |  | 4,577 |  |  | 243 |  |  | 41,075 |  |  | 4,401,943 |  |  | 4,451,239 |
Real estate – residential mortgage | 21,052 |  |  | 6,351 |  |  | 9,439 |  |  | 16,393 |  |  | 2,665,055 |  |  | 2,718,290 |
Real estate – home equity | 6,782 |  |  | 1,999 |  |  | 3,525 |  |  | 7,261 |  |  | 1,273,110 |  |  | 1,292,677 |
Real estate – construction | 173 |  |  | 305 |  |  | 820 |  |  | 3,560 |  |  | 942,910 |  |  | 947,768 |
Consumer | 2,852 |  |  | 555 |  |  | 440 |  |  | — |  |  | 464,325 |  |  | 468,172 |
Equipment lease financing and other | 1,461 |  |  | 194 |  |  | 4,247 |  |  | 16,399 |  |  | 281,887 |  |  | 304,188 |
Total | $ | 55,773 |  |  | $ | 15,009 |  |  | $ | 19,593 |  |  | $ | 120,345 |  |  | $ | 16,866,683 |  |  | $ | 17,077,403 |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Current |  | Total
December 31, 2019 | (in thousands)
Real estate – commercial mortgage | $ | 10,912 |  |  | $ | 1,543 |  |  | $ | 4,113 |  |  | $ | 33,166 |  |  | $ | 6,651,042 |  |  | $ | 6,700,776 |
Commercial and industrial | 2,302 |  |  | 2,630 |  |  | 1,385 |  |  | 48,106 |  |  | 4,392,278 |  |  | 4,446,701 |
Real estate – residential mortgage | 26,982 |  |  | 7,309 |  |  | 5,735 |  |  | 16,676 |  |  | 2,584,763 |  |  | 2,641,465 |
Real estate – home equity | 9,635 |  |  | 2,706 |  |  | 3,564 |  |  | 7,004 |  |  | 1,292,035 |  |  | 1,314,944 |
Real estate – construction | 1,715 |  |  | 900 |  |  | 688 |  |  | 3,618 |  |  | 964,158 |  |  | 971,079 |
Consumer | 4,228 |  |  | 922 |  |  | 458 |  |  | — |  |  | 457,556 |  |  | 463,164 |
Equipment lease financing and other | 552 |  |  | 3,460 |  |  | 114 |  |  | 16,528 |  |  | 278,743 |  |  | 299,397 |
Total | $ | 56,326 |  |  | $ | 19,470 |  |  | $ | 16,057 |  |  | $ | 125,098 |  |  | $ | 16,620,575 |  |  | $ | 16,837,526 |
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs, by class segment:
| March 31, 2020 |  | December 31, 2019
| (in thousands)
Real estate - residential mortgage | $ | 21,473 |  |  | $ | 21,551 |
Real estate - commercial mortgage | 7,648 |  |  | 13,330 |
Real estate - home equity | 14,513 |  |  | 15,068 |
Commercial and industrial | 4,771 |  |  | 5,193 |
Consumer | 7 |  |  | 8 |
Total accruing TDRs | 48,412 |  |  | 55,150 |
Non-accrual TDRs (1) | 27,600 |  |  | 20,825 |
Total TDRs | $ | 76,012 |  |  | $ | 75,975 |
(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, for loans that were modified during the three months ended March 31, 2020 and 2019:
| Three months ended March 31
| 2020 |  | 2019
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
| (dollars in thousands)
Real estate - residential mortgage | 7 |  |  | $ | 660 |  |  | 4 |  |  | $ | 917 |
Real estate - commercial mortgage | 1 |  |  | 392 |  |  | — |  |  | — |
Real estate - home equity | 8 |  |  | 577 |  |  | 12 |  |  | 829 |
Commercial and industrial | 1 |  |  | 74 |  |  | 4 |  |  | 2,460 |
Total | 17 |  |  | $ | 1,703 |  |  | 20 |  |  | $ | 4,206 |

X
- Definition Schedule Of Gross Loans [Text Block] + References No definition available. + Details
Name: | fult_ScheduleOfGrossLoansTableTextBlock
Namespace Prefix: | fult_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of the components of the allowance for credit losses as of the balance sheet date. + References No definition available. + Details
Name: | fult_ScheduleofAllowanceforCreditLossesTableTextBlock
Namespace Prefix: | fult_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Loans Modified Under Troubled Debt Restructurings [Text Block] + References No definition available. + Details
Name: | fult_ScheduleofLoansModifiedUnderTroubledDebtRestructuringsTableTextBlock
Namespace Prefix: | fult_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Non Performing Assets [Text Block] + References No definition available. + Details
Name: | fult_ScheduleofNonPerformingAssetsTableTextBlock
Namespace Prefix: | fult_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration