XML 36 R25.htm IDEA: XBRL DOCUMENT
v3.21.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2021
Receivables [Abstract] |
Summary of Gross Loans by Type | Net Loans are summarized as follows:
| March 31, 2021 |  | December 31, 2020
| (in thousands)
Real estate - commercial mortgage | $ | 7,142,137 |  |  | $ | 7,105,092 |
Commercial and industrial (1) | 5,675,714 |  |  | 5,670,828 |
Real-estate - residential mortgage | 3,254,058 |  |  | 3,141,915 |
Real-estate - home equity | 1,149,958 |  |  | 1,202,913 |
Real-estate - construction | 1,083,494 |  |  | 1,047,218 |
Consumer | 451,857 |  |  | 466,772 |
Equipment lease financing and other | 252,930 |  |  | 284,377 |
Overdrafts | 1,373 |  |  | 4,806 |
Gross loans | 19,011,521 |  |  | 18,923,921 |
Unearned income | (20,535) |  |  | (23,101) |
Net Loans | $ | 18,990,986 |  |  | $ | 18,900,820 |
(1) Includes PPP loans totaling $1.7 billion and $1.6 billion as of March 31, 2021 and December 31, 2020, respectively.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL:
| March 31, 2021 |  | December 31, 2020
| (in thousands)
ACL - loans | $ | 265,986 |  |  | $ | 277,567 |
ACL - OBS credit exposure | 14,273 |  |  | 14,373 |
Total ACL | $ | 280,259 |  |  | $ | 291,940 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL:
| Three months ended March 31 |  |
| 2021 |  | 2020 |  |  |  |  |  |
| (in thousands) |  |  |  |  |  |
Balance at beginning of period | $ | 291,940 |  |  | $ | 166,209 |  |  |  |  |  |  |
Impact of adopting CECL on January 1, 2020 (1) | — |  |  | 58,349 |  |  |  |  |  |  |
Loans charged off | (8,202) |  |  | (14,003) |  |  |  |  |  |  |
Recoveries of loans previously charged off | 2,021 |  |  | 2,887 |  |  |  |  |  |  |
Net loans charged off | (6,181) |  |  | (11,116) |  |  |  |  |  |  |
Provision for credit losses (2) | (5,500) |  |  | 44,029 |  |  |  |  |  |  |
Balance at end of period | $ | 280,259 |  |  | $ | 257,471 |  |  |  |  |  |  |
(1) Includes $12.6 million of reserves for OBS credit exposures as of January 1, 2020. (2) Includes $(100,000) and $3.8 million related to OBS credit exposures for the three months ended March 31, 2021 and 2020, respectively. The following table presents the activity in the ACL - loans by portfolio segment:
| 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, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2020 | $ | 103,425 |  |  | $ | 74,771 |  |  | $ | 14,232 |  |  | $ | 51,995 |  |  | $ | 15,608 |  |  | $ | 10,905 |  |  | $ | 6,633 |  |  | $ | 277,567 |
Loans charged off | (1,837) |  |  | (4,319) |  |  | (212) |  |  | (192) |  |  | (39) |  |  | (635) |  |  | (968) |  |  | (8,202) |
Recoveries of loans previously charged off | 174 |  |  | 769 |  |  | 51 |  |  | 95 |  |  | 384 |  |  | 389 |  |  | 159 |  |  | 2,021 |
Net loans recovered (charged off) | (1,663) |  |  | (3,550) |  |  | (161) |  |  | (97) |  |  | 345 |  |  | (246) |  |  | (809) |  |  | (6,181) |
Provision for loan losses (1) | (786) |  |  | (27) |  |  | (341) |  |  | (1,903) |  |  | (874) |  |  | (1,247) |  |  | (222) |  |  | (5,400) |
Balance at March 31, 2021 | $ | 100,976 |  |  | $ | 71,194 |  |  | $ | 13,730 |  |  | $ | 49,995 |  |  | $ | 15,079 |  |  | $ | 9,412 |  |  | $ | 5,602 |  |  | $ | 265,986 |
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 on January 1, 2020 | 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 (charged off) recovered | (611) |  |  | (9,165) |  |  | 330 |  |  | (102) |  |  | 70 |  |  | (1,213) |  |  | (425) |  |  | (11,116) |
Provision for loan 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.
Total Impaired Loans by Class Segment | The following table presents total non-accrual loans, by class segment:
| March 31, 2021 |  | December 31, 2020
| With a Related Allowance |  | Without a Related Allowance |  | Total |  | With a Related Allowance |  | Without a Related Allowance |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 21,107 |  |  | $ | 30,870 |  |  | $ | 51,977 |  |  | $ | 19,909 |  |  | $ | 31,561 |  |  | $ | 51,470 |
Commercial and industrial | 13,012 |  |  | 18,640 |  |  | 31,652 |  |  | 13,937 |  |  | 18,056 |  |  | 31,993 |
Real estate - residential mortgage | 31,203 |  |  | 2,198 |  |  | 33,401 |  |  | 24,590 |  |  | 1,517 |  |  | 26,107 |
Real estate - home equity | 9,368 |  |  | — |  |  | 9,368 |  |  | 9,398 |  |  | 190 |  |  | 9,588 |
Real estate - construction | 544 |  |  | 897 |  |  | 1,441 |  |  | 437 |  |  | 958 |  |  | 1,395 |
Consumer | 301 |  |  | — |  |  | 301 |  |  | 332 |  |  | — |  |  | 332 |
Equipment lease financing and other | 6,462 |  |  | 9,287 |  |  | 15,749 |  |  | — |  |  | 16,313 |  |  | 16,313 |
| $ | 81,997 |  |  | $ | 61,892 |  |  | $ | 143,889 |  |  | $ | 68,603 |  |  | $ | 68,595 |  |  | $ | 137,198 |
Financing Receivable Credit Quality Indicators | The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the current period:
|  | March 31, 2021
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
| 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Cost Basis | Cost Basis | Total
Real estate - construction(1) |  |  |  |  |  |  |  |  |
| Pass | $ | 14,615 |  | $ | 233,770 |  | $ | 201,440 |  | $ | 218,467 |  | $ | 80,686 |  | $ | 142,339 |  | $ | 36,046 |  | $ | — |  | $ | 927,363 |
| Special Mention | 110 |  | — |  | — |  | — |  | — |  | 13,195 |  | — |  | — |  | 13,305 |
| Substandard or Lower | — |  | — |  | 154 |  | — |  | 1,976 |  | 3,520 |  | 406 |  | — |  | 6,056 |
| Total real estate - construction | 14,725 |  | 233,770 |  | 201,594 |  | 218,467 |  | 82,662 |  | 159,054 |  | 36,452 |  | — |  | 946,724 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (39) |  | — |  | — |  | — |  | — |  | — |  | (39) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 384 |  | — |  | — |  | 384 |
| Total net (charge-offs) recoveries | — |  | — |  | (39) |  | — |  | — |  | 384 |  | — |  | — |  | 345 |
Commercial and industrial |  |  |  |  |  |  |  |
| Pass | 885,616 |  | 1,624,535 |  | 481,038 |  | 290,788 |  | 201,910 |  | 726,981 |  | 1,205,065 |  | — |  | 5,415,933 |
| Special Mention | 143 |  | 9,136 |  | 20,949 |  | 16,337 |  | 10,413 |  | 30,861 |  | 48,939 |  | — |  | 136,778 |
| Substandard or Lower | — |  | 2,847 |  | 7,167 |  | 13,503 |  | 10,638 |  | 34,805 |  | 54,043 |  | — |  | 123,003 |
| Total commercial and industrial | 885,759 |  | 1,636,518 |  | 509,154 |  | 320,628 |  | 222,961 |  | 792,647 |  | 1,308,047 |  | — |  | 5,675,714 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (613) |  | (2,871) |  | (60) |  | (775) |  | — |  | — |  | (4,319) |
| Current period recoveries | — |  | — |  | 37 |  | 126 |  | 36 |  | 570 |  | — |  | — |  | 769 |
| Total net (charge-offs) recoveries | — |  | — |  | (576) |  | (2,745) |  | (24) |  | (205) |  | — |  | — |  | (3,550) |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 200,885 |  | 993,776 |  | 926,352 |  | 670,684 |  | 767,399 |  | 2,800,409 |  | 49,207 |  | 321 |  | 6,409,033 |
| Special Mention | — |  | 23,282 |  | 30,629 |  | 92,800 |  | 75,417 |  | 248,403 |  | 2,406 |  | — |  | 472,937 |
| Substandard or Lower | — |  | 1,028 |  | 24,008 |  | 10,673 |  | 46,460 |  | 174,421 |  | 3,577 |  | — |  | 260,167 |
| Total real estate - commercial mortgage | 200,885 |  | 1,018,086 |  | 980,989 |  | 774,157 |  | 889,276 |  | 3,223,233 |  | 55,190 |  | 321 |  | 7,142,137 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | (1,719) |  | (118) |  | — |  | — |  | (1,837) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 174 |  | — |  | — |  | 174 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | (1,719) |  | 56 |  | — |  | — |  | (1,663) |
Total |  |  |  |  |  |  |  |
| Pass | $ | 1,101,116 |  | $ | 2,852,081 |  | $ | 1,608,830 |  | $ | 1,179,939 |  | $ | 1,049,995 |  | $ | 3,669,729 |  | $ | 1,290,318 |  | $ | 321 |  | $ | 12,752,329 |
| Special Mention | 253 |  | 32,418 |  | 51,578 |  | 109,137 |  | 85,830 |  | 292,459 |  | 51,345 |  | — |  | 623,020 |
| Substandard or Lower | — |  | 3,875 |  | 31,329 |  | 24,176 |  | 59,074 |  | 212,746 |  | 58,026 |  | — |  | 389,226 |
| Total | $ | 1,101,369 |  | $ | 2,888,374 |  | $ | 1,691,737 |  | $ | 1,313,252 |  | $ | 1,194,899 |  | $ | 4,174,934 |  | $ | 1,399,689 |  | $ | 321 |  | $ | 13,764,575 |
(1) Excludes real estate - construction - other. The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, construction loans to individuals secured by residential real estate, consumer and equipment lease financing. For these loans, the most relevant credit quality indicator is delinquency status. The migration of loans through the various delinquency status categories is a significant component of the ACL methodology for those loans, which bases the PD on this migration. The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the prior period:
|  | December 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(1) |  |  |  |  |  |  |  |
| Pass | $ | 185,883 |  | $ | 229,097 |  | $ | 217,604 |  | $ | 81,086 |  | $ | 37,976 |  | $ | 110,470 |  | $ | 38,026 |  | $ | — |  | $ | 900,142 |
| Special Mention | — |  | — |  | — |  | — |  | 7,047 |  | 6,212 |  | — |  | — |  | 13,259 |
| Substandard or Lower | — |  | 447 |  | — |  | 2,000 |  | 753 |  | 1,637 |  | 632 |  | — |  | 5,469 |
| Total real estate - construction | 185,883 |  | 229,544 |  | 217,604 |  | 83,086 |  | 45,776 |  | 118,319 |  | 38,658 |  | — |  | 918,870 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (17) |  | — |  | — |  | (17) |
| Current period recoveries | — |  | — |  | — |  | — |  | 68 |  | 5,054 |  | — |  | — |  | 5,122 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | 68 |  | 5,037 |  | — |  | — |  | 5,105 |
Commercial and industrial |  |  |  |  |  |  |  |
| Pass | 2,283,533 |  | 508,541 |  | 298,567 |  | 214,089 |  | 208,549 |  | 596,646 |  | 1,278,689 |  | — |  | 5,388,614 |
| Special Mention | 6,633 |  | 23,834 |  | 29,167 |  | 10,945 |  | 11,506 |  | 25,960 |  | 45,994 |  | — |  | 154,039 |
| Substandard or Lower | 3,221 |  | 5,947 |  | 8,434 |  | 11,251 |  | 11,192 |  | 23,852 |  | 64,278 |  | — |  | 128,175 |
| Total commercial and industrial | 2,293,387 |  | 538,322 |  | 336,168 |  | 236,285 |  | 231,247 |  | 646,458 |  | 1,388,961 |  | — |  | 5,670,828 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (114) |  | (30) |  | (488) |  | (393) |  | (520) |  | (17,370) |  | — |  | (18,915) |
| Current period recoveries | — |  | 43 |  | 486 |  | 216 |  | 162 |  | 4,531 |  | 5,958 |  | — |  | 11,396 |
| Total net (charge-offs) recoveries | — |  | (71) |  | 456 |  | (272) |  | (231) |  | 4,011 |  | (11,412) |  | — |  | (7,519) |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 973,664 |  | 917,510 |  | 708,946 |  | 794,955 |  | 783,094 |  | 2,213,343 |  | 53,041 |  | 404 |  | 6,444,957 |
| Special Mention | 13,639 |  | 40,874 |  | 84,047 |  | 80,705 |  | 89,112 |  | 167,424 |  | 2,364 |  | — |  | 478,165 |
| Substandard or Lower | 1,238 |  | 6,681 |  | 6,247 |  | 39,027 |  | 22,605 |  | 103,007 |  | 2,225 |  | 940 |  | 181,970 |
| Total real estate - commercial mortgage | 988,541 |  | 965,065 |  | 799,240 |  | 914,687 |  | 894,811 |  | 2,483,774 |  | 57,630 |  | 1,344 |  | 7,105,092 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | (60) |  | (21) |  | (36) |  | (2,515) |  | (29) |  | (1,547) |  | (17) |  | — |  | (4,225) |
| Current period recoveries | — |  | 6 |  | — |  | — |  | 1 |  | 1,020 |  | — |  | — |  | 1,027 |
| Total net (charge-offs) recoveries | (60) |  | (15) |  | (36) |  | (2,515) |  | (28) |  | (527) |  | (17) |  | — |  | (3,198) |
Total |  |  |  |  |  |  |  |
| Pass | $ | 3,443,080 |  | $ | 1,655,148 |  | $ | 1,225,117 |  | $ | 1,090,130 |  | $ | 1,029,619 |  | $ | 2,920,459 |  | $ | 1,369,756 |  | $ | 404 |  | $ | 12,733,713 |
| Special Mention | 20,272 |  | 64,708 |  | 113,214 |  | 91,650 |  | 107,665 |  | 199,596 |  | 48,358 |  | — |  | 645,463 |
| Substandard or Lower | 4,459 |  | 13,075 |  | 14,681 |  | 52,278 |  | 34,550 |  | 128,496 |  | 67,135 |  | 940 |  | 315,614 |
| Total | $ | 3,467,811 |  | $ | 1,732,931 |  | $ | 1,353,012 |  | $ | 1,234,058 |  | $ | 1,171,834 |  | $ | 3,248,551 |  | $ | 1,485,249 |  | $ | 1,344 |  | $ | 13,694,790 |
(1) Excludes real estate - construction - other. The following tables present the amortized cost of these loans based on payment activity, by origination year, for the periods shown:
|  | March 31, 2021
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
|  | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Cost Basis | Cost Basis | Total
Real estate - home equity |  |  |  |  |  |  |  |  |
| Performing | $ | 4,491 |  | $ | 29,767 |  | $ | 8,140 |  | $ | 12,312 |  | $ | 9,997 |  | $ | 119,037 |  | $ | 948,645 |  | $ | 4,845 |  | $ | 1,137,234 |
| Nonperforming | — |  | — |  | 88 |  | 23 |  | 264 |  | 2,597 |  | 9,545 |  | 207 |  | 12,724 |
| Total real estate - home equity | 4,491 |  | 29,767 |  | 8,228 |  | 12,335 |  | 10,261 |  | 121,634 |  | 958,190 |  | 5,052 |  | 1,149,958 |
Real estate - home equity |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | (212) |  | — |  | (212) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | 51 |  | — |  | 51 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | (161) |  | — |  | (161) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 358,906 |  | 1,240,446 |  | 513,892 |  | 181,509 |  | 292,014 |  | 630,996 |  | — |  | — |  | 3,217,763 |
| Nonperforming | — |  | 3,927 |  | 1,654 |  | 3,450 |  | 2,945 |  | 24,319 |  | — |  | — |  | 36,295 |
| Total real estate - residential mortgage | 358,906 |  | 1,244,373 |  | 515,546 |  | 184,959 |  | 294,959 |  | 655,315 |  | — |  | — |  | 3,254,058 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (40) |  | (47) |  | — |  | (105) |  | — |  | — |  | (192) |
| Current period recoveries | — |  | — |  | — |  | 3 |  | 1 |  | — |  | 92 |  | — |  | 96 |
| Total net (charge-offs) recoveries | — |  | — |  | (40) |  | (44) |  | 1 |  | (105) |  | 92 |  | — |  | (96) |
Consumer |  |  |  |  |  |  |  |
| Performing | 27,910 |  | 103,924 |  | 90,185 |  | 85,837 |  | 38,190 |  | 56,885 |  | 48,371 |  | — |  | 451,302 |
| Nonperforming | — |  | 127 |  | 37 |  | 63 |  | 35 |  | 243 |  | 50 |  | — |  | 555 |
| Total consumer | 27,910 |  | 104,051 |  | 90,222 |  | 85,900 |  | 38,225 |  | 57,128 |  | 48,421 |  | — |  | 451,857 |
Consumer |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (95) |  | (94) |  | (111) |  | (79) |  | (229) |  | (27) |  | — |  | (635) |
| Current period recoveries | — |  | 33 |  | 5 |  | 11 |  | 19 |  | 321 |  | — |  | — |  | 389 |
| Total net (charge-offs) recoveries | — |  | (62) |  | (89) |  | (100) |  | (60) |  | 92 |  | (27) |  | — |  | (246) |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 25,663 |  | 68,641 |  | 51,804 |  | 36,350 |  | 22,506 |  | 13,054 |  | — |  | — |  | 218,018 |
| Nonperforming | — |  | — |  | — |  | — |  | 15,724 |  | 26 |  | — |  | — |  | 15,750 |
| Total leasing and other | 25,663 |  | 68,641 |  | 51,804 |  | 36,350 |  | 38,230 |  | 13,080 |  | — |  | — |  | 233,768 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (968) |  | — |  | — |  | — |  | — |  | — |  | — |  | (968) |
| Current period recoveries | — |  | 120 |  | 39 |  | — |  | — |  | — |  | — |  | — |  | 159 |
| Total net (charge-offs) recoveries | — |  | (848) |  | 39 |  | — |  | — |  | — |  | — |  | — |  | (809) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 17,458 |  | 97,829 |  | 16,172 |  | 4,755 |  | — |  | 16 |  | — |  | — |  | 136,230 |
| Nonperforming | — |  | — |  | 364 |  | — |  | 176 |  | — |  | — |  | — |  | 540 |
| Total construction - other | 17,458 |  | 97,829 |  | 16,536 |  | 4,755 |  | 176 |  | 16 |  | — |  | — |  | 136,770 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 434,428 |  | $ | 1,540,607 |  | $ | 680,193 |  | $ | 320,763 |  | $ | 362,707 |  | $ | 819,988 |  | $ | 997,016 |  | $ | 4,845 |  | $ | 5,160,547 |
| Nonperforming | — |  | 4,054 |  | 2,143 |  | 3,536 |  | 19,144 |  | 27,185 |  | 9,595 |  | 207 |  | 65,864 |
| Total | $ | 434,428 |  | $ | 1,544,661 |  | $ | 682,336 |  | $ | 324,299 |  | $ | 381,851 |  | $ | 847,173 |  | $ | 1,006,611 |  | $ | 5,052 |  | $ | 5,226,411 |
|  | December 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 | $ | 31,445 |  | $ | 8,176 |  | $ | 13,906 |  | $ | 11,024 |  | $ | 11,667 |  | $ | 126,749 |  | $ | 982,285 |  | $ | 5,321 |  | $ | 1,190,573 |
| Nonperforming | — |  | 88 |  | 23 |  | 233 |  | 221 |  | 2,290 |  | 9,485 |  | — |  | 12,340 |
| Total real estate - home equity | 31,445 |  | 8,264 |  | 13,929 |  | 11,257 |  | 11,888 |  | 129,039 |  | 991,770 |  | 5,321 |  | 1,202,913 |
Real estate - home equity |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (34) |  | (1,159) |  | — |  | (1,193) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 138 |  | 366 |  | — |  | 504 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 104 |  | (793) |  | — |  | (689) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 1,255,532 |  | 585,878 |  | 228,398 |  | 341,563 |  | 264,990 |  | 434,889 |  | — |  | — |  | 3,111,250 |
| Nonperforming | 217 |  | 2,483 |  | 3,177 |  | 2,483 |  | 722 |  | 21,583 |  | — |  | — |  | 30,665 |
| Total real estate - residential mortgage | 1,255,749 |  | 588,361 |  | 231,575 |  | 344,046 |  | 265,712 |  | 456,472 |  | — |  | — |  | 3,141,915 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (68) |  | (101) |  | (190) |  | (7) |  | (254) |  | — |  | — |  | (620) |
| Current period recoveries | — |  | 68 |  | 16 |  | 1 |  | 1 |  | 405 |  | — |  | — |  | 491 |
| Total net (charge-offs) recoveries | — |  | — |  | (85) |  | (189) |  | (6) |  | 151 |  | — |  | — |  | (129) |
Consumer |  |  |  |  |  |  |  |
| Performing | 114,399 |  | 98,587 |  | 95,072 |  | 43,334 |  | 25,804 |  | 36,086 |  | 52,698 |  | 42 |  | 466,022 |
| Nonperforming | 168 |  | 19 |  | 124 |  | 141 |  | 114 |  | 150 |  | 34 |  | — |  | 750 |
| Total consumer | 114,567 |  | 98,606 |  | 95,196 |  | 43,475 |  | 25,918 |  | 36,236 |  | 52,732 |  | 42 |  | 466,772 |
Consumer |  |  |  |  |  |  |  |
| Current period gross charge-offs | (134) |  | (542) |  | (524) |  | (444) |  | (489) |  | (769) |  | (498) |  | — |  | (3,400) |
| Current period recoveries | — |  | 64 |  | 165 |  | 159 |  | 94 |  | 101 |  | 1,292 |  | — |  | 1,875 |
| Total net (charge-offs) recoveries | (134) |  | (478) |  | (359) |  | (285) |  | (395) |  | (668) |  | 794 |  | — |  | (1,525) |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 102,324 |  | 65,303 |  | 49,453 |  | 34,995 |  | 15,631 |  | 5,040 |  | — |  | — |  | 272,746 |
| Nonperforming | — |  | — |  | 30 |  | 15,983 |  | 142 |  | 282 |  | — |  | — |  | 16,437 |
| Total leasing and other | 102,324 |  | 65,303 |  | 49,483 |  | 50,978 |  | 15,773 |  | 5,322 |  | — |  | — |  | 289,183 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | (606) |  | (1,581) |  | — |  | — |  | — |  | — |  | — |  | — |  | (2,187) |
| Current period recoveries | 185 |  | 349 |  | 21 |  | 18 |  | 11 |  | 21 |  | — |  | — |  | 605 |
| Total net (charge-offs) recoveries | (421) |  | (1,232) |  | 21 |  | 18 |  | 11 |  | 21 |  | — |  | — |  | (1,582) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 96,444 |  | 24,888 |  | 6,822 |  | — |  | 16 |  | — |  | — |  | — |  | 128,170 |
| Nonperforming | — |  | — |  | — |  | 178 |  | — |  | — |  | — |  | — |  | 178 |
| Total construction - other | 96,444 |  | 24,888 |  | 6,822 |  | 178 |  | 16 |  | — |  | — |  | — |  | 128,348 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,600,144 |  | $ | 782,832 |  | $ | 393,651 |  | $ | 430,916 |  | $ | 318,108 |  | $ | 602,764 |  | $ | 1,034,983 |  | $ | 5,363 |  | $ | 5,168,761 |
| Nonperforming | 385 |  | 2,590 |  | 3,354 |  | 19,018 |  | 1,199 |  | 24,305 |  | 9,519 |  | — |  | 60,370 |
| Total | $ | 1,600,529 |  | $ | 785,422 |  | $ | 397,005 |  | $ | 449,934 |  | $ | 319,307 |  | $ | 627,069 |  | $ | 1,044,502 |  | $ | 5,363 |  | $ | 5,229,131 |
Non-Performing Assets | The following table presents non-performing assets:
| March 31, 2021 |  | December 31, 2020
| (in thousands)
Non-accrual loans | $ | 143,889 |  |  | $ | 137,198 |
Loans 90 days or more past due and still accruing | 8,559 |  |  | 9,929 |
Total non-performing loans | 152,448 |  |  | 147,127 |
OREO (1) | 3,664 |  |  | 4,178 |
Total non-performing assets | $ | 156,112 |  |  | $ | 151,305 |
(1) Excludes $7.6 million and $8.1 million of residential mortgage properties for which formal foreclosure proceedings were in process as of March 31, 2021 and December 31, 2020, respectively.
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)
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 9,596 |  |  | $ | 1,516 |  |  | $ | 2,187 |  |  |  |  | $ | 51,977 |  |  | $ | 7,076,861 |  |  | $ | 7,142,137 |
Commercial and industrial | 1,718 |  |  | 1,894 |  |  | 219 |  |  |  |  | 31,652 |  |  | 5,640,231 |  |  | 5,675,714 |
Real estate – residential mortgage | 8,485 |  |  | 933 |  |  | 2,750 |  |  |  |  | 33,401 |  |  | 3,208,489 |  |  | 3,254,058 |
Real estate – home equity | 2,795 |  |  | 1,062 |  |  | 3,148 |  |  |  |  | 9,368 |  |  | 1,133,585 |  |  | 1,149,958 |
Real estate – construction | 170 |  |  | — |  |  | — |  |  |  |  | 1,441 |  |  | 1,081,883 |  |  | 1,083,494 |
Consumer | 1,224 |  |  | 491 |  |  | 255 |  |  |  |  | 301 |  |  | 449,586 |  |  | 451,857 |
Equipment lease financing and other | 101 |  |  | 142 |  |  | — |  |  |  |  | 15,749 |  |  | 217,776 |  |  | 233,768 |
Total | $ | 24,089 |  |  | $ | 6,038 |  |  | $ | 8,559 |  |  |  |  | $ | 143,889 |  |  | $ | 18,808,411 |  |  | $ | 18,990,986 |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Current |  | Total
| (in thousands)
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 14,999 |  |  | $ | 9,273 |  |  | $ | 1,177 |  |  | $ | 51,470 |  |  | $ | 7,028,173 |  |  | $ | 7,105,092 |
Commercial and industrial | 11,285 |  |  | 1,068 |  |  | 616 |  |  | 31,993 |  |  | 5,625,866 |  |  | 5,670,828 |
Real estate – residential mortgage | 22,281 |  |  | 7,675 |  |  | 4,687 |  |  | 26,107 |  |  | 3,081,165 |  |  | 3,141,915 |
Real estate – home equity | 5,622 |  |  | 1,654 |  |  | 2,753 |  |  | 9,588 |  |  | 1,183,296 |  |  | 1,202,913 |
Real estate – construction | 1,938 |  |  | — |  |  | 155 |  |  | 1,395 |  |  | 1,043,730 |  |  | 1,047,218 |
Consumer | 3,036 |  |  | 501 |  |  | 417 |  |  | 332 |  |  | 462,486 |  |  | 466,772 |
Equipment lease financing and other | 838 |  |  | 150 |  |  | 124 |  |  | 16,313 |  |  | 248,657 |  |  | 266,082 |
Total | $ | 59,999 |  |  | $ | 20,321 |  |  | $ | 9,929 |  |  | $ | 137,198 |  |  | $ | 18,673,373 |  |  | $ | 18,900,820 |
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs, by class segment:
| March 31, 2021 |  | December 31, 2020
| (in thousands)
Real estate - commercial mortgage | $ | 27,961 |  |  | $ | 28,451 |
Commercial and industrial | 7,041 |  |  | 6,982 |
Real estate - residential mortgage | 18,214 |  |  | 18,602 |
Real estate - home equity | 13,674 |  |  | 14,391 |
Real estate - construction | 154 |  |  | — |
Consumer | 5 |  |  | — |
Total accruing TDRs | 67,049 |  |  | 68,426 |
Non-accrual TDRs (1) | 44,986 |  |  | 35,755 |
Total TDRs | $ | 112,035 |  |  | $ | 104,181 |
(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, 2021 and 2020:
| Three months ended March 31 |  |
| 2021 |  | 2020 |  |  |  |
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment |  |  |  |  |  |  |  |
| (dollars in thousands)
Commercial and industrial | 4 |  |  | $ | 1,894 |  |  | 1 |  |  | $ | 74 |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 2 |  |  | 4,162 |  |  | 1 |  |  | 392 |  |  |  |  |  |  |  |  |
Real estate - residential mortgage | 23 |  |  | 7,626 |  |  | 7 |  |  | 660 |  |  |  |  |  |  |  |  |
Real estate - home equity | 5 |  |  | 148 |  |  | 8 |  |  | 577 |  |  |  |  |  |  |  |  |
Real estate - construction | 1 |  |  | 154 |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Total | 35 |  |  | $ | 13,984 |  |  | 17 |  |  | $ | 1,703 |  |  |  |  |  |  |  |  |

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