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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2020
Receivables [Abstract] |
Summary of Gross Loans by Type |
| September 30, 2020 |  | December 31, 2019
| (in thousands)
Real estate - commercial mortgage | $ | 7,046,330 |  |  | $ | 6,700,776 |
Commercial and industrial | 5,968,154 |  |  | 4,446,701 |
Real-estate - residential mortgage | 3,061,835 |  |  | 2,641,465 |
Real-estate - home equity | 1,222,709 |  |  | 1,314,944 |
Real-estate - construction | 1,007,534 |  |  | 971,079 |
Consumer | 469,551 |  |  | 463,164 |
Equipment lease financing and other | 274,570 |  |  | 322,625 |
Overdrafts | 1,694 |  |  | 3,582 |
Gross loans | 19,052,377 |  |  | 16,864,336 |
Unearned income | (23,756) |  |  | (26,810) |
Net Loans | $ | 19,028,621 |  |  | $ | 16,837,526 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL in 2020:
| Three months ended September 30, 2020 |  | Nine months ended September 30, 2020 |  |  |  |  |  |
| (in thousands) |  |  |  |  |  |
Balance at beginning of period | $ | 272,920 |  |  | $ | 166,209 |  |  |  |  |  |  |
Impact of adopting CECL on January 1, 2020 (1) | — |  |  | 58,348 |  |  |  |  |  |  |
Loans charged off | (5,489) |  |  | (27,539) |  |  |  |  |  |  |
Recoveries of loans previously charged off | 7,847 |  |  | 14,660 |  |  |  |  |  |  |
Net loans recovered (charged off) | 2,358 |  |  | (12,879) |  |  |  |  |  |  |
Provision for credit losses (2) | 7,080 |  |  | 70,680 |  |  |  |  |  |  |
Balance at end of period | $ | 282,358 |  |  | $ | 282,358 |  |  |  |  |  |  |
(1) Includes $12.6 million of reserves for OBS credit exposures as of January 1, 2020. (2) Includes $850,000 and $320,000 related to OBS credit exposures for the three and nine months ended September 30, 2020, respectively. The following table presents the activity in the ACL - loans by portfolio segment, for the three and nine months ended September 30, 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 September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2020 | $ | 102,695 |  |  | $ | 61,447 |  |  | $ | 16,391 |  |  | $ | 46,443 |  |  | $ | 12,314 |  |  | $ | 10,299 |  |  | $ | 6,948 |  |  |  |  | $ | 256,537 |
Loans charged off | (746) |  |  | (2,969) |  |  | (393) |  |  | (198) |  |  | — |  |  | (701) |  |  | (483) |  |  |  |  | (5,489) |
Recoveries of loans previously charged off | 100 |  |  | 2,103 |  |  | 44 |  |  | 95 |  |  | 4,873 |  |  | 447 |  |  | 185 |  |  |  |  | 7,847 |
Net loans recovered (charged off) | (646) |  |  | (866) |  |  | (349) |  |  | (103) |  |  | 4,873 |  |  | (254) |  |  | (298) |  |  |  |  | 2,358 |
Provision for loan losses (1) | 9,806 |  |  | (1,743) |  |  | 256 |  |  | 2,013 |  |  | (2,177) |  |  | 260 |  |  | (484) |  |  |  |  | 7,930 |
Balance at September 30, 2020 | $ | 111,855 |  |  | $ | 58,838 |  |  | $ | 16,298 |  |  | $ | 48,353 |  |  | $ | 15,010 |  |  | $ | 10,305 |  |  | $ | 6,166 |  |  |  |  | $ | 266,825 |
Nine months ended September 30, 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 on January 1, 2020 | 29,361 |  |  | (18,576) |  |  | (65) |  |  | 21,235 |  |  | 4,015 |  |  | 5,969 |  |  | 3,784 |  |  |  |  | 45,723 |
Loans charged off | (3,925) |  |  | (17,348) |  |  | (1,138) |  |  | (620) |  |  | (17) |  |  | (2,788) |  |  | (1,704) |  |  |  |  | (27,539) |
Recoveries of loans previously charged off | 439 |  |  | 6,815 |  |  | 305 |  |  | 292 |  |  | 4,943 |  |  | 1,481 |  |  | 385 |  |  |  |  | 14,660 |
Net loans recovered (charged off) | (3,486) |  |  | (10,533) |  |  | (833) |  |  | (328) |  |  | 4,926 |  |  | (1,307) |  |  | (1,319) |  |  |  |  | (12,879) |
Provision for loan losses (1) | 40,370 |  |  | 19,345 |  |  | (548) |  |  | 7,675 |  |  | 1,626 |  |  | 1,881 |  |  | 11 |  |  |  |  | 70,359 |
Balance at September 30, 2020 | $ | 111,855 |  |  | $ | 58,838 |  |  | $ | 16,298 |  |  | $ | 48,353 |  |  | $ | 15,010 |  |  | $ | 10,305 |  |  | $ | 6,166 |  |  |  |  | $ | 266,825 |
(1) Provision included in the table only includes the portion related to Net Loans. The following table presents the activity in the ACL for the periods indicated in 2019:
| Three months ended September 30, 2019 |  | Nine months ended September 30, 2019
| (in thousands)
Balance at beginning of period | $ | 176,941 |  |  | $ | 169,410 |
Loans charged off | (10,128) |  |  | (20,208) |
Recoveries of loans previously charged off | 3,814 |  |  | 11,300 |
Net loans charged off | (6,314) |  |  | (8,908) |
Provision for credit losses(1) | 2,170 |  |  | 12,295 |
Balance at end of period | $ | 172,797 |  |  | $ | 172,797 |
(1) Includes ($46,000) and ($2.2 million) related to reserve for unfunded lending commitments for the three and nine months ended September 30, 2019, respectively. The following table presents the activity in the allowance for loan losses, by portfolio segment, for the three and nine months ended September 30, 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 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 charged off | (394) |  |  | (7,181) |  |  | (498) |  |  | (533) |  |  | (45) |  |  | (877) |  |  | (600) |  |  | (10,128) |
Recoveries of loans previously charged off | 444 |  |  | 2,311 |  |  | 132 |  |  | 440 |  |  | 164 |  |  | 216 |  |  | 107 |  |  | 3,814 |
Net loans recovered (charged off) | 50 |  |  | (4,870) |  |  | (366) |  |  | (93) |  |  | 119 |  |  | (661) |  |  | (493) |  |  | (6,314) |
Provision for loan 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 |
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 charged off | (1,769) |  |  | (11,863) |  |  | (923) |  |  | (1,322) |  |  | (143) |  |  | (2,355) |  |  | (1,833) |  |  | (20,208) |
Recoveries of loans previously charged off | 749 |  |  | 6,234 |  |  | 552 |  |  | 783 |  |  | 1,493 |  |  | 1,005 |  |  | 484 |  |  | 11,300 |
Net loans 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 |
(1) The provision in the table only includes the portion related to Net Loans.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL under CECL:
| September 30, 2020 |  |
| (in thousands) |  |
ACL - loans | $ | 266,825 |  |  |
ACL - OBS credit exposure | 15,533 |  |  |
Total ACL | $ | 282,358 |  |  |
The following table presents the components of the ACL:
| December 31, 2019
| (in thousands)
Allowance for loan losses | $ | 163,622 |
Reserve for unfunded lending commitments | 2,587 |
ACL | $ | 166,209 |
Total Impaired Loans by Class Segment | The following table presents total non-accrual loans, by class segment:
| September 30, 2020 |  | December 31, 2019
| Non-accrual Loans |  | Non-accrual Loans
| With a Related Allowance |  | Without a Related Allowance |  | Total |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 15,145 |  |  | $ | 25,781 |  |  | $ | 40,926 |  |  | $ | 33,166 |
Commercial and industrial | 14,326 |  |  | 20,948 |  |  | 35,274 |  |  | 48,106 |
Real estate - residential mortgage | 23,637 |  |  | 1,256 |  |  | 24,893 |  |  | 16,676 |
Real estate - home equity | 8,682 |  |  | — |  |  | 8,682 |  |  | 7,004 |
Real estate - construction | 607 |  |  | 1,014 |  |  | 1,621 |  |  | 3,618 |
Consumer | 235 |  |  | — |  |  | 235 |  |  | — |
Equipment lease financing and other | — |  |  | 16,690 |  |  | 16,690 |  |  | 16,528 |
| $ | 62,632 |  |  | $ | 65,689 |  |  | $ | 128,321 |  |  | $ | 125,098 |
Financing Receivable Credit Quality Indicators | The following table summarizes designated internal risk categories by portfolio segment and loan class, by origination year, in the current period :
|  | September 30, 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(1) |  |  |  |  |  |  |  |  |
| Pass | $ | 94,758 |  | $ | 243,614 |  | $ | 196,393 |  | $ | 138,308 |  | $ | 44,315 |  | $ | 114,228 |  | $ | 47,594 |  | $ | — |  | $ | 879,210 |
| Special Mention | — |  | 241 |  | — |  | — |  | 7,103 |  | 6,106 |  | — |  | — |  | 13,450 |
| Substandard or Lower | — |  | 448 |  | — |  | — |  | 760 |  | 5,822 |  | 943 |  | — |  | 7,973 |
| Total real estate - construction | 94,758 |  | 244,303 |  | 196,393 |  | 138,308 |  | 52,178 |  | 126,156 |  | 48,537 |  | — |  | 900,633 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (17) |  | — |  | — |  | (17) |
| Current period recoveries | — |  | — |  | — |  | — |  | 68 |  | 4,875 |  | — |  | — |  | 4,943 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | 68 |  | 4,858 |  | — |  | — |  | 4,926 |
Commercial and industrial |  |  |  |  |  |  |  |
| Pass | 2,409,273 |  | 540,493 |  | 330,516 |  | 229,184 |  | 216,228 |  | 635,782 |  | 1,256,763 |  | — |  | 5,618,239 |
| Special Mention | 52,203 |  | 13,653 |  | 7,618 |  | 10,886 |  | 13,693 |  | 29,919 |  | 50,673 |  | — |  | 178,645 |
| Substandard or Lower | 38,983 |  | 1,125 |  | 15,819 |  | 11,797 |  | 13,422 |  | 25,081 |  | 64,089 |  | 954 |  | 171,270 |
| Total commercial and industrial | 2,500,459 |  | 555,271 |  | 353,953 |  | 251,867 |  | 243,343 |  | 690,782 |  | 1,371,525 |  | 954 |  | 5,968,154 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (106) |  | (10) |  | (102) |  | (388) |  | (117) |  | (16,625) |  | — |  | (17,348) |
| Current period recoveries |  | 39 |  | 364 |  | 207 |  | 91 |  | 1,704 |  | 4,410 |  | — |  | 6,815 |
| Total net (charge-offs) recoveries | — |  | (67) |  | 354 |  | 105 |  | (297) |  | 1,587 |  | (12,215) |  | — |  | (10,533) |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 702,768 |  | 933,999 |  | 792,029 |  | 850,926 |  | 871,759 |  | 2,381,373 |  | 88,116 |  | 327 |  | 6,621,297 |
| Special Mention | 13,247 |  | 13,505 |  | 19,298 |  | 33,245 |  | 46,354 |  | 139,832 |  | 3,502 |  | — |  | 268,983 |
| Substandard or Lower | 1,119 |  | 2,409 |  | 13,665 |  | 39,467 |  | 9,375 |  | 88,671 |  | 1,344 |  | — |  | 156,050 |
| Total real estate - commercial mortgage | 717,134 |  | 949,913 |  | 824,992 |  | 923,638 |  | 927,488 |  | 2,609,876 |  | 92,962 |  | 327 |  | 7,046,330 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (16) |  | (36) |  | (2,515) |  | (29) |  | (1,312) |  | (17) |  | — |  | (3,925) |
| Current period recoveries | — |  | — |  | — |  | — |  | 1 |  | 438 |  | — |  | — |  | 439 |
| Total net (charge-offs) recoveries | — |  | (16) |  | (36) |  | (2,515) |  | (28) |  | (874) |  | (17) |  | — |  | (3,486) |
Total |  |  |  |  |  |  |  |
| Pass | $ | 3,206,799 |  | $ | 1,718,106 |  | $ | 1,318,938 |  | $ | 1,218,418 |  | $ | 1,132,302 |  | $ | 3,131,383 |  | $ | 1,392,473 |  | $ | 327 |  | $ | 13,118,746 |
| Special Mention | 65,450 |  | 27,399 |  | 26,916 |  | 44,131 |  | 67,150 |  | 175,857 |  | 54,175 |  | — |  | 461,078 |
| Substandard or Lower | 40,102 |  | 3,982 |  | 29,484 |  | 51,264 |  | 23,557 |  | 119,574 |  | 66,376 |  | 954 |  | 335,293 |
| Total | $ | 3,312,351 |  | $ | 1,749,487 |  | $ | 1,375,338 |  | $ | 1,313,813 |  | $ | 1,223,009 |  | $ | 3,426,814 |  | $ | 1,513,024 |  | $ | 1,281 |  | $ | 13,915,117 |
(1) Excludes real estate - construction - other. 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:
| December 31, 2019
| Pass |  | Special Mention |  | Substandard or Lower |  | Total
| (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, for the current period:
|  | September 30, 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 | $ | 21,247 |  | $ | 8,297 |  | $ | 14,573 |  | $ | 12,064 |  | $ | 13,006 |  | $ | 140,145 |  | $ | 995,811 |  | $ | 5,485 |  | $ | 1,210,628 |
| Nonperforming | — |  | — |  | 153 |  | 256 |  | 225 |  | 2,354 |  | 8,764 |  | 329 |  | 12,081 |
| Total real estate - home equity | 21,247 |  | 8,297 |  | 14,726 |  | 12,320 |  | 13,231 |  | 142,499 |  | 1,004,575 |  | 5,814 |  | 1,222,709 |
Real estate - home equity |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | (1,137) |  | — |  | (1,137) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 123 |  | 182 |  | — |  | 305 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 123 |  | (955) |  | — |  | (832) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 953,063 |  | 649,475 |  | 268,809 |  | 383,345 |  | 294,005 |  | 484,717 |  | — |  | — |  | 3,033,414 |
| Nonperforming | — |  | 832 |  | 2,437 |  | 2,611 |  | 723 |  | 21,818 |  | — |  | — |  | 28,421 |
| Total real estate - residential mortgage | 953,063 |  | 650,307 |  | 271,246 |  | 385,956 |  | 294,728 |  | 506,535 |  | — |  | — |  | 3,061,835 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (68) |  | (101) |  | (190) |  | (7) |  | (254) |  | — |  | — |  | (620) |
| Current period recoveries | — |  | — |  | 13 |  | 1 |  | — |  | 278 |  | — |  | — |  | 292 |
| Total net (charge-offs) recoveries | — |  | (68) |  | (88) |  | (189) |  | (7) |  | 24 |  | — |  | — |  | (328) |
Consumer |  |  |  |  |  |  |  |
| Performing | 93,208 |  | 106,797 |  | 104,984 |  | 48,281 |  | 27,828 |  | 38,319 |  | 49,594 |  | — |  | 469,011 |
| Nonperforming | 123 |  | 68 |  | 56 |  | 62 |  | 47 |  | 162 |  | 22 |  | — |  | 540 |
| Total consumer | 93,331 |  | 106,865 |  | 105,040 |  | 48,343 |  | 27,875 |  | 38,481 |  | 49,616 |  | — |  | 469,551 |
Consumer |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (500) |  | (425) |  | (346) |  | (433) |  | (642) |  | (442) |  | — |  | (2,788) |
| Current period recoveries | — |  | 48 |  | 148 |  | 116 |  | 177 |  | 891 |  | 101 |  | — |  | 1,481 |
| Total net (charge-offs) recoveries | — |  | (452) |  | (277) |  | (230) |  | (256) |  | 249 |  | (341) |  | — |  | (1,307) |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 69,512 |  | 71,629 |  | 53,733 |  | 39,888 |  | 18,481 |  | 6,219 |  | — |  | — |  | 259,462 |
| Nonperforming | — |  | — |  | 190 |  | 16,054 |  | 272 |  | 286 |  | — |  | — |  | 16,802 |
| Total leasing and other | 69,512 |  | 71,629 |  | 53,923 |  | 55,942 |  | 18,753 |  | 6,505 |  | — |  | — |  | 276,264 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | (1,463) |  | (241) |  | — |  | — |  | — |  | — |  | — |  | — |  | (1,704) |
| Current period recoveries | 187 |  | 136 |  | 17 |  | 16 |  | 9 |  | 20 |  | — |  | — |  | 385 |
| Total net (charge-offs) recoveries | (1,276) |  | (105) |  | 17 |  | 16 |  | 9 |  | 20 |  | — |  | — |  | (1,319) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 45,386 |  | 36,764 |  | 6,614 |  | — |  | 16 |  | — |  | 17,940 |  | — |  | 106,720 |
| Nonperforming | — |  | — |  | — |  | 181 |  | — |  | — |  | — |  | — |  | 181 |
| Total construction - other | 45,386 |  | 36,764 |  | 6,614 |  | 181 |  | 16 |  | — |  | 17,940 |  | — |  | 106,901 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,182,416 |  | $ | 872,962 |  | $ | 448,713 |  | $ | 483,578 |  | $ | 353,336 |  | $ | 669,400 |  | $ | 1,063,345 |  | $ | 5,485 |  | $ | 5,079,235 |
| Nonperforming | 123 |  | 900 |  | 2,836 |  | 19,164 |  | 1,267 |  | 24,620 |  | 8,786 |  | 329 |  | 58,025 |
| Total | $ | 1,182,539 |  | $ | 873,862 |  | $ | 451,549 |  | $ | 502,742 |  | $ | 354,603 |  | $ | 694,020 |  | $ | 1,072,131 |  | $ | 5,814 |  | $ | 5,137,260 |
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:
| December 31, 2019
| Performing |  | Delinquent (1) |  | Non-performing (2) |  | Total
| (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:
| September 30, 2020 |  | December 31, 2019
| (in thousands)
Non-accrual loans | $ | 128,321 |  |  | $ | 125,098 |
Loans 90 days or more past due and still accruing | 13,761 |  |  | 16,057 |
Total non-performing loans | 142,082 |  |  | 141,155 |
OREO (1) | 4,565 |  |  | 6,831 |
Total non-performing assets | $ | 146,647 |  |  | $ | 147,986 |
(1) Excludes $9.6 million of residential mortgage properties for which formal foreclosure proceedings were in process as of September 30, 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- |  |  |  |
| Due |  | Due |  | and Accruing |  |  |  | Accrual |  | Current |  | Total
| (in thousands)
September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 11,867 |  |  | $ | 3,702 |  |  | $ | 2,499 |  |  |  |  | $ | 40,926 |  |  | $ | 6,987,336 |  |  | $ | 7,046,330 |
Commercial and industrial | 5,326 |  |  | 1,228 |  |  | 1,950 |  |  |  |  | 35,274 |  |  | 5,924,376 |  |  | 5,968,154 |
Real estate – residential mortgage | 10,686 |  |  | 1,180 |  |  | 3,394 |  |  |  |  | 24,893 |  |  | 3,021,682 |  |  | 3,061,835 |
Real estate – home equity | 3,966 |  |  | 902 |  |  | 3,070 |  |  |  |  | 8,682 |  |  | 1,206,089 |  |  | 1,222,709 |
Real estate – construction | — |  |  | — |  |  | 2,430 |  |  |  |  | 1,621 |  |  | 1,003,483 |  |  | 1,007,534 |
Consumer | 1,648 |  |  | 436 |  |  | 306 |  |  |  |  | 235 |  |  | 466,926 |  |  | 469,551 |
Equipment lease financing and other | 250 |  |  | 110 |  |  | 112 |  |  |  |  | 16,690 |  |  | 235,346 |  |  | 252,508 |
Total | $ | 33,743 |  |  | $ | 7,558 |  |  | $ | 13,761 |  |  |  |  | $ | 128,321 |  |  | $ | 18,845,238 |  |  | $ | 19,028,621 |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Current |  | Total
| (in thousands)
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
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:
| September 30, 2020 |  | December 31, 2019
| (in thousands)
Real estate - residential mortgage | $ | 19,427 |  |  | $ | 21,551 |
Real estate - commercial mortgage | 28,558 |  |  | 13,330 |
Real estate - home equity | 14,875 |  |  | 15,068 |
Commercial and industrial | 7,328 |  |  | 5,193 |
Consumer | — |  |  | 8 |
Total accruing TDRs | 70,188 |  |  | 55,150 |
Non-accrual TDRs (1) | 37,025 |  |  | 20,825 |
Total TDRs | $ | 107,213 |  |  | $ | 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 and nine months ended September 30, 2020 and 2019:
| Three months ended September 30 |  | Nine months ended September 30
| 2020 |  | 2019 |  | 2020 |  | 2019
| 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 | 8 |  |  | $ | 1,351 |  |  | 1 |  |  | $ | 830 |  |  | 48 |  |  | $ | 10,516 |  |  | 6 |  |  | $ | 2,263 |
Real estate - commercial mortgage | 5 |  |  | 8,394 |  |  | 1 |  |  | 81 |  |  | 12 |  |  | 24,868 |  |  | 1 |  |  | 81 |
Real estate - home equity | 13 |  |  | 1,370 |  |  | 12 |  |  | 327 |  |  | 40 |  |  | 3,556 |  |  | 46 |  |  | 2,281 |
Commercial and industrial | 4 |  |  | 3,021 |  |  | 3 |  |  | 97 |  |  | 18 |  |  | 4,399 |  |  | 13 |  |  | 4,928 |
Consumer | 3 |  |  | 53 |  |  | — |  |  | — |  |  | 11 |  |  | 238 |  |  | — |  |  | — |
Total | 33 |  |  | $ | 14,189 |  |  | 17 |  |  | $ | 1,335 |  |  | 129 |  |  | $ | 43,577 |  |  | 66 |  |  | $ | 9,553 |

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