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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Summary of Loans and Leases, Net of Unearned Income | Loans and leases, net of unearned income are summarized as follows as of December 31:
| 2021 |  | 2020
| (in thousands)
Real estate - commercial mortgage | $ | 7,279,080 |  |  | $ | 7,105,092 |
Commercial and industrial (1) | 4,208,327 |  |  | 5,670,828 |
Real-estate - residential mortgage | 3,846,750 |  |  | 3,141,915 |
Real-estate - home equity | 1,118,248 |  |  | 1,202,913 |
Real-estate - construction | 1,139,779 |  |  | 1,047,218 |
Consumer | 464,657 |  |  | 466,772 |
Equipment lease financing and other | 283,557 |  |  | 284,377 |
Overdrafts | 1,988 |  |  | 4,806 |
Gross loans | 18,342,386 |  |  | 18,923,921 |
Unearned income | (17,036) |  |  | (23,101) |
Net Loans | $ | 18,325,350 |  |  | $ | 18,900,820 |
(1) Includes PPP loans totaling $0.3 billion and $1.6 billion as of December 31, 2021 and 2020 respectively.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL:
| 2021 |  | 2020
| (in thousands)
ACL - loans | $ | 249,001 |  |  | $ | 277,567 |
ACL - OBS credit exposure | 14,533 |  |  | 14,373 |
Total ACL | $ | 263,534 |  |  | $ | 291,940 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL for the years ended December 31:
|  | 2021 |  | 2020 |  | 2019
| (in thousands)
Balance at beginning of period |  | $ | 291,940 |  |  | $ | 166,209 |  |  | $ | 169,410 |
Impact of adopting CECL on January 1, 2020 (1) |  | — |  |  | 58,348 |  |  | — |
Loans charged off |  | (30,952) |  |  | (30,557) |  |  | (53,189) |
Recoveries of loans previously charged off |  | 17,146 |  |  | 21,020 |  |  | 17,163 |
Net loans charged off |  | (13,806) |  |  | (9,537) |  |  | (36,026) |
Provision for credit losses (2) |  | (14,600) |  |  | 76,920 |  |  | 32,825 |
Balance at the end of the period (3) |  | $ | 263,534 |  |  | $ | 291,940 |  |  | $ | 166,209 |
(1) Includes $12.6 million of reserves for OBS credit exposures as of January 1, 2020. (2) Includes $0.2 million, $(0.8) million and $(6.3) million related to OBS credit exposures for the years ended December 31, 2021, 2020 and 2019, respectively. (3) Includes $14.5 million, $14.4 million and $2.6 million of reserves for OBS credit exposures as of December 31, 2021, 2020 and 2019, respectively. The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021 and 2020, by portfolio segment:
| Real Estate - Commercial Mortgage |  | Commercial and Industrial |  | Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Consumer |  | Equipment Finance Leasing and Other |  | Total
| (in thousands)
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 | (4,225) |  |  | (18,915) |  |  | (1,193) |  |  | (620) |  |  | (17) |  |  | (3,400) |  |  | (2,187) |  |  | (30,557) |
Recoveries of loans previously charged off | 1,027 |  |  | 11,396 |  |  | 504 |  |  | 491 |  |  | 5,122 |  |  | 1,875 |  |  | 605 |  |  | 21,020 |
Net loans recovered (charged off) | (3,198) |  |  | (7,519) |  |  | (689) |  |  | (129) |  |  | 5,105 |  |  | (1,525) |  |  | (1,582) |  |  | (9,537) |
Provision for loan losses (1) | 31,652 |  |  | 32,264 |  |  | (2,758) |  |  | 11,118 |  |  | 2,045 |  |  | 2,699 |  |  | 739 |  |  | 77,759 |
Balance at December 31, 2020 | 103,425 |  |  | 74,771 |  |  | 14,232 |  |  | 51,995 |  |  | 15,608 |  |  | 10,905 |  |  | 6,631 |  |  | 277,567 |
Loans charged off | (8,726) |  |  | (15,337) |  |  | (676) |  |  | (1,290) |  |  | (39) |  |  | (2,633) |  |  | (2,251) |  |  | (30,952) |
Recoveries of loans previously charged off | 2,474 |  |  | 9,587 |  |  | 248 |  |  | 375 |  |  | 1,412 |  |  | 2,097 |  |  | 953 |  |  | 17,146 |
Net loans recovered (charged off) | (6,252) |  |  | (5,750) |  |  | (428) |  |  | (915) |  |  | 1,373 |  |  | (536) |  |  | (1,298) |  |  | (13,806) |
Provision for loan losses(1) | (9,203) |  |  | (1,965) |  |  | (2,595) |  |  | 3,156 |  |  | (4,040) |  |  | (1,829) |  |  | 1,716 |  |  | (14,760) |
Balance at December 31, 2021 | $ | 87,970 |  |  | $ | 67,056 |  |  | $ | 11,209 |  |  | $ | 54,236 |  |  | $ | 12,941 |  |  | $ | 8,540 |  |  | $ | 7,049 |  |  | $ | 249,001 |
(1) Provision included in the table only includes the portion related to Net Loans
Total Non-Accrual Loans by Class Segment | The following table presents total non-accrual loans, by class segment:
| 2021 |  | 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 | $ | 20,564 |  |  | $ | 32,251 |  |  | $ | 52,815 |  |  | $ | 19,909 |  |  | $ | 31,561 |  |  | $ | 51,470 |
Commercial and industrial | 12,571 |  |  | 17,570 |  |  | 30,141 |  |  | 13,937 |  |  | 18,056 |  |  | 31,993 |
Real estate - residential mortgage | 35,269 |  |  | — |  |  | 35,269 |  |  | 24,590 |  |  | 1,517 |  |  | 26,107 |
Real estate - home equity | 8,671 |  |  | — |  |  | 8,671 |  |  | 9,398 |  |  | 190 |  |  | 9,588 |
Real estate - construction | 173 |  |  | 728 |  |  | 901 |  |  | 437 |  |  | 958 |  |  | 1,395 |
Consumer | 229 |  |  | — |  |  | 229 |  |  | 332 |  |  | — |  |  | 332 |
Equipment lease financing and other | 6,247 |  |  | 9,393 |  |  | 15,640 |  |  | — |  |  | 16,313 |  |  | 16,313 |
Total | $ | 83,724 |  |  | $ | 59,942 |  |  | $ | 143,666 |  |  | $ | 68,603 |  |  | $ | 68,595 |  |  | $ | 137,198 |
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:
|  | December 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 | $ | 190,030 |  | $ | 315,811 |  | $ | 113,245 |  | $ | 83,886 |  | $ | 17,545 |  | $ | 117,157 |  | $ | 46,409 |  | $ | — |  | $ | 884,083 |
| Special Mention | 5,843 |  | 775 |  | 9,984 |  | 20,200 |  | 15,724 |  | 6,315 |  | — |  | — |  | 58,841 |
| Substandard or Lower | — |  | — |  | — |  | — |  | 1,912 |  | 4,185 |  | 227 |  | — |  | 6,324 |
| Total real estate - construction | 195,873 |  | 316,586 |  | 123,229 |  | 104,086 |  | 35,181 |  | 127,657 |  | 46,636 |  | — |  | 949,248 |
Real estate - construction (1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (39) |  | — |  | — |  | — |  | — |  | — |  | (39) |
| Current period recoveries | — |  | — |  | 39 |  | — |  | — |  | 1,373 |  | — |  | — |  | 1,412 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 1,373 |  | — |  | — |  | 1,373 |
Commercial and industrial (2) |  |  |  |  |  |  |  |
| Pass | 855,924 |  | 520,802 |  | 396,575 |  | 232,805 |  | 147,675 |  | 581,762 |  | 1,177,857 |  | 339 |  | 3,913,739 |
| Special Mention | 5,386 |  | 8,538 |  | 33,937 |  | 8,301 |  | 10,346 |  | 23,380 |  | 52,386 |  | 95 |  | 142,369 |
| Substandard or Lower | 1,225 |  | 9,775 |  | 19,393 |  | 24,327 |  | 11,912 |  | 34,825 |  | 49,562 |  | 1,200 |  | 152,219 |
| Total commercial and industrial | 862,535 |  | 539,115 |  | 449,905 |  | 265,433 |  | 169,933 |  | 639,967 |  | 1,279,805 |  | 1,634 |  | 4,208,327 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | (2,977) |  | (406) |  | (4,966) |  | (208) |  | (286) |  | (800) |  | (5,694) |  | — |  | (15,337) |
| Current period recoveries | 6 |  | 39 |  | 4,691 |  | 841 |  | 457 |  | 2,342 |  | 1,211 |  | — |  | 9,587 |
| Total net (charge-offs) recoveries | (2,971) |  | (367) |  | (275) |  | 633 |  | 171 |  | 1,542 |  | (4,483) |  | — |  | (5,750) |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 1,086,113 |  | 899,172 |  | 826,866 |  | 624,653 |  | 712,223 |  | 2,356,308 |  | 55,370 |  | — |  | 6,560,705 |
| Special Mention | 1,317 |  | 60,732 |  | 96,508 |  | 25,280 |  | 33,595 |  | 169,732 |  | 115 |  | — |  | 387,279 |
| Substandard or Lower | 1,537 |  | 8,516 |  | 28,810 |  | 68,818 |  | 69,793 |  | 151,450 |  | 684 |  | 1,488 |  | 331,096 |
| Total real estate - commercial mortgage | 1,088,967 |  | 968,420 |  | 952,184 |  | 718,751 |  | 815,611 |  | 2,677,490 |  | 56,169 |  | 1,488 |  | 7,279,080 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (14) |  | (25) |  | (6,972) |  | (1,517) |  | (198) |  | — |  | (8,726) |
| Current period recoveries | — |  | — |  | — |  | — |  | 983 |  | 1,491 |  | — |  | — |  | 2,474 |
| Total net (charge-offs) recoveries | — |  | — |  | (14) |  | (25) |  | (5,989) |  | (26) |  | (198) |  | — |  | (6,252) |
Total |  |  |  |  |  |  |  |
| Pass | $ | 2,132,067 |  | $ | 1,735,785 |  | $ | 1,336,686 |  | $ | 941,344 |  | $ | 877,443 |  | $ | 3,055,227 |  | $ | 1,279,636 |  | $ | 339 |  | $ | 11,358,527 |
| Special Mention | 12,546 |  | 70,045 |  | 140,429 |  | 53,781 |  | 59,665 |  | 199,427 |  | 52,501 |  | 95 |  | 588,489 |
| Substandard or Lower | 2,762 |  | 18,291 |  | 48,203 |  | 93,145 |  | 83,617 |  | 190,460 |  | 50,473 |  | 2,688 |  | 489,639 |
| Total | $ | 2,147,375 |  | $ | 1,824,121 |  | $ | 1,525,318 |  | $ | 1,088,270 |  | $ | 1,020,725 |  | $ | 3,445,114 |  | $ | 1,382,610 |  | $ | 3,122 |  | $ | 12,436,655 |
(1) Excludes real estate - construction - other. (2) Loans originated in 2021 include $0.3 million of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. 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 (2) |  |  |  |  |  |  |  |
| 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. (2) Loans originated in 2020 include $1.6 million of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. The following table presents the amortized cost of these loans based on payment activity, by origination year, for the current period:
|  | December 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 | $ | 32,682 |  | $ | 23,478 |  | $ | 7,024 |  | $ | 9,255 |  | $ | 7,415 |  | $ | 92,983 |  | $ | 930,289 |  | $ | 3,999 |  | $ | 1,107,125 |
| Non-performing | — |  | — |  | — |  | 15 |  | 282 |  | 2,145 |  | 8,483 |  | 198 |  | 11,123 |
| Total real estate - home equity | 32,682 |  | 23,478 |  | 7,024 |  | 9,270 |  | 7,697 |  | 95,128 |  | 938,772 |  | 4,197 |  | 1,118,248 |
Real estate - home equity |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (41) |  | — |  | — |  | (171) |  | (464) |  | — |  | (676) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 96 |  | 152 |  | — |  | 248 |
| Total net (charge-offs) recoveries | — |  | — |  | (41) |  | — |  | — |  | (75) |  | (312) |  | — |  | (428) |
Real estate - residential mortgage |  |  |  |  |  |  |  |  |
| Performing | 1,548,174 |  | 1,133,602 |  | 344,625 |  | 113,801 |  | 198,164 |  | 468,842 |  | — |  | — |  | 3,807,208 |
| Non-performing | — |  | 6,753 |  | 2,189 |  | 3,424 |  | 2,844 |  | 24,332 |  | — |  | — |  | 39,542 |
| Total real estate - residential mortgage | 1,548,174 |  | 1,140,355 |  | 346,814 |  | 117,225 |  | 201,008 |  | 493,174 |  | — |  | — |  | 3,846,750 |
Real estate - residential mortgage |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (626) |  | (148) |  | (125) |  | (4) |  | (387) |  | — |  | — |  | (1,290) |
| Current period recoveries | — |  | — |  | 1 |  | 18 |  | — |  | 264 |  | 92 |  | — |  | 375 |
| Total net (charge-offs) recoveries | — |  | (626) |  | (147) |  | (107) |  | (4) |  | (123) |  | 92 |  | — |  | (915) |
Consumer |  |  |  |  |  |  |  |  |
| Performing | 129,759 |  | 79,440 |  | 66,745 |  | 59,309 |  | 25,839 |  | 42,429 |  | 60,553 |  | — |  | 464,074 |
| Non-performing | 122 |  | 101 |  | 60 |  | 36 |  | 32 |  | 203 |  | 29 |  | — |  | 583 |
| Total consumer | 129,881 |  | 79,541 |  | 66,805 |  | 59,345 |  | 25,871 |  | 42,632 |  | 60,582 |  | — |  | 464,657 |
Consumer |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | (175) |  | (491) |  | (455) |  | (238) |  | (224) |  | (240) |  | (810) |  | — |  | (2,633) |
| Current period recoveries | — |  | 223 |  | 131 |  | 131 |  | 167 |  | 952 |  | 493 |  | — |  | 2,097 |
| Total net (charge-offs) recoveries | (175) |  | (268) |  | (324) |  | (107) |  | (57) |  | 712 |  | (317) |  | — |  | (536) |
Equipment lease financing and other |  |  |  |  |  |  |  |  |
| Performing | 97,077 |  | 65,316 |  | 49,591 |  | 34,107 |  | 22,444 |  | 1,369 |  | — |  | — |  | 269,904 |
| Non-performing | — |  | — |  | — |  | — |  | 15,503 |  | 138 |  | — |  | — |  | 15,641 |
| Total leasing and other | 97,077 |  | 65,316 |  | 49,591 |  | 34,107 |  | 37,947 |  | 1,507 |  | — |  | — |  | 285,545 |
Equipment lease financing and other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | (975) |  | (1,276) |  | — |  | — |  | — |  | — |  | — |  | — |  | (2,251) |
| Current period recoveries | 255 |  | 539 |  | 88 |  | 10 |  | 18 |  | 43 |  | — |  | — |  | 953 |
| Total net (charge-offs) recoveries | (720) |  | (737) |  | 88 |  | 10 |  | 18 |  | 43 |  | — |  | — |  | (1,298) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 144,652 |  | 40,040 |  | 638 |  | 5,028 |  | — |  | — |  | — |  | — |  | 190,358 |
| Non-performing | — |  | — |  | — |  | — |  | 173 |  | — |  | — |  | — |  | 173 |
| Total construction - other | 144,652 |  | 40,040 |  | 638 |  | 5,028 |  | 173 |  | — |  | — |  | — |  | 190,531 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,952,344 |  | $ | 1,341,876 |  | $ | 468,623 |  | $ | 221,500 |  | $ | 253,862 |  | $ | 605,623 |  | $ | 990,842 |  | $ | 3,999 |  | $ | 5,838,669 |
| Non-performing | 122 |  | 6,854 |  | 2,249 |  | 3,475 |  | 18,834 |  | 26,818 |  | 8,512 |  | 198 |  | 67,062 |
| Total | $ | 1,952,466 |  | $ | 1,348,730 |  | $ | 470,872 |  | $ | 224,975 |  | $ | 272,696 |  | $ | 632,441 |  | $ | 999,354 |  | $ | 4,197 |  | $ | 5,905,731 |
|  | 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 |
| Non-performing | — |  | 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 |
| Non-performing | 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 |
| Non-performing | 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 |
| Non-performing | — |  | — |  | 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 |
| Non-performing | — |  | — |  | — |  | 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 |
| Non-performing | 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:
| December 31, 2021 |  | December 31, 2020
| (in thousands)
Non-accrual loans | $ | 143,666 |  |  | $ | 137,198 |
Loans 90 days or more past due and still accruing | 8,453 |  |  | 9,929 |
Total non-performing loans | 152,119 |  |  | 147,127 |
OREO (1) | 1,817 |  |  | 4,178 |
Total non-performing assets | $ | 153,936 |  |  | $ | 151,305 |
(1) Excludes $6.4 million of residential mortgage properties for which formal foreclosure proceedings were in process as of December 31, 2021.
Aging of Amortized Cost Basis of Loans, by Class 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)
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 1,089 |  |  | $ | 1,750 |  |  | $ | 1,229 |  |  | $ | 52,815 |  |  | $ | 7,222,197 |  |  | $ | 7,279,080 |
Commercial and industrial | 5,457 |  |  | 1,932 |  |  | 488 |  |  | 30,141 |  |  | 4,170,309 |  |  | 4,208,327 |
Real estate – residential mortgage | 22,957 |  |  | 2,920 |  |  | 4,130 |  |  | 35,269 |  |  | 3,781,474 |  |  | 3,846,750 |
Real estate – home equity | 4,369 |  |  | 1,154 |  |  | 2,253 |  |  | 8,671 |  |  | 1,101,801 |  |  | 1,118,248 |
Real estate – construction | 1,318 |  |  | — |  |  | — |  |  | 901 |  |  | 1,137,560 |  |  | 1,139,779 |
Consumer | 3,561 |  |  | 876 |  |  | 353 |  |  | 229 |  |  | 459,638 |  |  | 464,657 |
Equipment lease financing and other | 226 |  |  | 27 |  |  | — |  |  | 15,640 |  |  | 252,616 |  |  | 268,509 |
Total | $ | 38,977 |  |  | $ | 8,659 |  |  | $ | 8,453 |  |  | $ | 143,666 |  |  | $ | 18,125,595 |  |  | $ | 18,325,350 |
| 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 for the years ended December 31:
| 2021 |  | 2020
| (in thousands)
Real estate - commercial mortgage | $ | 3,464 |  |  | $ | 28,451 |
Commercial and industrial | 1,857 |  |  | 6,982 |
Real estate - residential mortgage | 11,948 |  |  | 18,602 |
Real estate - home equity | 12,218 |  |  | 14,391 |
Consumer | 5 |  |  | — |
Total accruing TDRs | 29,492 |  |  | 68,426 |
Non-accrual TDRs (1) | 55,945 |  |  | 35,755 |
Total TDRs | $ | 85,437 |  |  | $ | 104,181 |
(1) Included within non-accrual loans in the preceding table
Loan Terms Modified Under Troubled Debt Restructurings during The Period By Class Segment | The following table presents TDRs, by class segment, for loans that were modified during the years ended December 31:
| 2021 |  | 2020 |  | 2019
Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment
| (dollars in thousands)
Real estate - commercial mortgage | 9 |  |  | $ | 16,020 |  |  | 12 |  |  | $ | 24,868 |  |  | 2 |  |  | $ | 263 |
Commercial and industrial | 10 |  |  | 2,823 |  |  | 20 |  |  | 5,218 |  |  | 16 |  |  | 5,378 |
Real estate - residential mortgage | 46 |  |  | 13,256 |  |  | 48 |  |  | 10,493 |  |  | 6 |  |  | 2,252 |
Real estate - home equity | 30 |  |  | 1,226 |  |  | 48 |  |  | 4,359 |  |  | 59 |  |  | 2,706 |
Real estate - construction | 1 |  |  | 154 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | 14 |  |  | 345 |  |  | — |  |  | — |
Total | 96 |  |  | $ | 33,479 |  |  | 142 |  |  | $ | 45,283 |  |  | 83 |  |  | $ | 10,599 |

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