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v3.22.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans and leases, net of unearned income are summarized as follows:
| March 31, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 7,289,376 |  |  | $ | 7,279,080 |
Commercial and industrial (1) | 4,156,981 |  |  | 4,208,327 |
Real-estate - residential mortgage | 3,946,741 |  |  | 3,846,750 |
Real-estate - home equity | 1,098,171 |  |  | 1,118,248 |
Real-estate - construction | 1,210,340 |  |  | 1,139,779 |
Consumer | 481,551 |  |  | 464,657 |
Equipment lease financing and other | 310,884 |  |  | 283,557 |
Overdrafts | 1,928 |  |  | 1,988 |
Gross loans | 18,495,972 |  |  | 18,342,386 |
Unearned income | (19,853) |  |  | (17,036) |
Net loans | $ | 18,476,119 |  |  | $ | 18,325,350 |
(1) Includes PPP loans totaling $0.2 billion and $0.3 billion as of March 31, 2022 and December 31, 2021, respectively.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL:
| March 31, 2022 |  | December 31, 2021
| (in thousands)
ACL - loans | $ | 243,705 |  |  | $ | 249,001 |
ACL - OBS credit exposure | 13,933 |  |  | 14,533 |
Total ACL | $ | 257,638 |  |  | $ | 263,534 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL:
| Three months ended March 31 |
| 2022 |  | 2021 |  |  |  |
| (in thousands) |  |  |  |
Balance at beginning of period | $ | 263,534 |  |  | $ | 291,940 |  |  |  |  |
Loans charged off | (1,900) |  |  | (8,202) |  |  |  |  |
Recoveries of loans previously charged off | 2,954 |  |  | 2,021 |  |  |  |  |
Net loans (charged-off) recovered | 1,054 |  |  | (6,181) |  |  |  |  |
Provision for credit losses (1) | (6,950) |  |  | (5,500) |  |  |  |  |
Balance at end of period(2) | $ | 257,638 |  |  | $ | 280,259 |  |  |  |  |
(1) Includes $(0.6) million and $(0.1) million related to OBS credit exposures for the three months ended March 31, 2022 and 2021, respectively. (2) Includes $13.9 million and $14.3 million of reserves for OBS credit exposures as of March 31, 2022 and 2021 respectively. The following table presents the activity in the ACL by portfolio segment:
| Real Estate Commercial Mortgage |  | Commercial and Industrial |  | Consumer and Real Estate Home Equity |  | Real Estate Residential Mortgage |  | Real Estate Construction |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Three months ended March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 87,970 |  |  | $ | 67,056 |  |  | $ | 19,749 |  |  | $ | 54,236 |  |  | $ | 12,941 |  |  | $ | 7,049 |  |  | $ | 249,001 |
Loans charged off | (152) |  |  | (227) |  |  | (1,052) |  |  | — |  |  | — |  |  | (469) |  |  | (1,900) |
Recoveries of loans previously charged off | 112 |  |  | 1,980 |  |  | 454 |  |  | 222 |  |  | 32 |  |  | 154 |  |  | 2,954 |
Net loans recovered (charged off) | (40) |  |  | 1,753 |  |  | (598) |  |  | 222 |  |  | 32 |  |  | (315) |  |  | 1,054 |
Provision for loan losses (1) | (8,077) |  |  | (2,298) |  |  | 1,062 |  |  | 1,434 |  |  | 330 |  |  | 1,199 |  |  | (6,350) |
Balance at March 31, 2022 | $ | 79,853 |  |  | $ | 66,511 |  |  | $ | 20,213 |  |  | $ | 55,892 |  |  | $ | 13,303 |  |  | $ | 7,933 |  |  | $ | 243,705 |
Three months ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2020 | $ | 103,425 |  |  | $ | 74,771 |  |  | $ | 25,137 |  |  | $ | 51,995 |  |  | $ | 15,608 |  |  | $ | 6,633 |  |  | $ | 277,567 |
Loans charged off | (1,837) |  |  | (4,319) |  |  | (847) |  |  | (192) |  |  | (39) |  |  | (968) |  |  | (8,202) |
Recoveries of loans previously charged off | 174 |  |  | 769 |  |  | 440 |  |  | 95 |  |  | 384 |  |  | 159 |  |  | 2,021 |
Net loans recovered (charged off) | (1,663) |  |  | (3,550) |  |  | (407) |  |  | (97) |  |  | 345 |  |  | (809) |  |  | (6,181) |
Provision for loan and lease losses (1) | (786) |  |  | (27) |  |  | (1,588) |  |  | (1,903) |  |  | (874) |  |  | (222) |  |  | (5,400) |
Balance at March 31, 2021 | $ | 100,976 |  |  | $ | 71,194 |  |  | $ | 23,142 |  |  | $ | 49,995 |  |  | $ | 15,079 |  |  | $ | 5,602 |  |  | $ | 265,986 |
(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, 2022 |  | December 31, 2021
| With a Related Allowance |  | Without a Related Allowance |  | Total |  | With a Related Allowance |  | Without a Related Allowance |  | Total
| (in thousands)
Real estate - commercial mortgage | $ | 18,681 |  |  | $ | 31,719 |  |  | $ | 50,400 |  |  | $ | 20,564 |  |  | $ | 32,251 |  |  | $ | 52,815 |
Commercial and industrial | 12,390 |  |  | 16,100 |  |  | 28,490 |  |  | 12,571 |  |  | 17,570 |  |  | 30,141 |
Real estate - residential mortgage | 31,626 |  |  | 2,294 |  |  | 33,920 |  |  | 35,269 |  |  | — |  |  | 35,269 |
Real estate - home equity | 8,145 |  |  | — |  |  | 8,145 |  |  | 8,671 |  |  | — |  |  | 8,671 |
Real estate - construction | — |  |  | 672 |  |  | 672 |  |  | 173 |  |  | 728 |  |  | 901 |
Consumer | 175 |  |  | — |  |  | 175 |  |  | 229 |  |  | — |  |  | 229 |
Equipment lease financing and other | 5,742 |  |  | 9,255 |  |  | 14,997 |  |  | 6,247 |  |  | 9,393 |  |  | 15,640 |
| $ | 76,759 |  |  | $ | 60,040 |  |  | $ | 136,799 |  |  | $ | 83,724 |  |  | $ | 59,942 |  |  | $ | 143,666 |
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, 2022
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
| 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Cost Basis | Cost Basis | Total
Real estate - construction(1) |  |  |  |  |  |  |  |  |
| Pass | $ | 12,911 |  | $ | 242,122 |  | $ | 392,540 |  | $ | 95,074 |  | $ | 59,362 |  | $ | 129,036 |  | $ | 32,603 |  | $ | — |  | $ | 963,648 |
| Special Mention | — |  | 5,974 |  | 767 |  | 9,984 |  | — |  | 19,082 |  | — |  | — |  | 35,807 |
| Substandard or Lower | — |  | — |  | — |  | — |  | — |  | 4,549 |  | 220 |  | — |  | 4,769 |
| Total real estate - construction | 12,911 |  | 248,096 |  | 393,307 |  | 105,058 |  | 59,362 |  | 152,667 |  | 32,823 |  | — |  | 1,004,224 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 32 |  | 32 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 32 |  | 32 |
Commercial and industrial(2) |  |  |  |  |  |  |  |
| Pass | 245,683 |  | 619,816 |  | 466,917 |  | 347,857 |  | 212,978 |  | 704,570 |  | 1,232,653 |  | 529 |  | 3,831,003 |
| Special Mention | 572 |  | 18,295 |  | 9,196 |  | 12,782 |  | 8,526 |  | 32,872 |  | 66,765 |  | — |  | 149,008 |
| Substandard or Lower | — |  | 953 |  | 10,906 |  | 37,999 |  | 23,750 |  | 44,527 |  | 58,753 |  | 82 |  | 176,970 |
| Total commercial and industrial | 246,255 |  | 639,064 |  | 487,019 |  | 398,638 |  | 245,254 |  | 781,969 |  | 1,358,171 |  | 611 |  | 4,156,981 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (36) |  | — |  | (21) |  | — |  | (130) |  | (40) |  | (227) |
| Current period recoveries | — |  | — |  | 30 |  | 95 |  | 379 |  | 416 |  | 493 |  | 567 |  | 1,980 |
| Total net (charge-offs) recoveries | — |  | — |  | (6) |  | 95 |  | 358 |  | 416 |  | 363 |  | 527 |  | 1,753 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 188,756 |  | 1,070,853 |  | 863,498 |  | 823,168 |  | 636,889 |  | 2,955,373 |  | 65,078 |  | — |  | 6,603,615 |
| Special Mention | 96 |  | 8,993 |  | 65,964 |  | 75,021 |  | 35,108 |  | 177,894 |  | 1,387 |  | — |  | 364,463 |
| Substandard or Lower | — |  | 1,523 |  | 8,424 |  | 37,366 |  | 70,413 |  | 201,563 |  | 521 |  | 1,488 |  | 321,298 |
| Total real estate - commercial mortgage | 188,852 |  | 1,081,369 |  | 937,886 |  | 935,555 |  | 742,410 |  | 3,334,830 |  | 66,986 |  | 1,488 |  | 7,289,376 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (152) |  | (152) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 108 |  | 112 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | (44) |  | (40) |
Total |  |  |  |  |  |  |  |
| Pass | $ | 447,350 |  | $ | 1,932,791 |  | $ | 1,722,955 |  | $ | 1,266,099 |  | $ | 909,229 |  | $ | 3,788,979 |  | $ | 1,330,334 |  | $ | 529 |  | $ | 11,398,266 |
| Special Mention | 668 |  | 33,262 |  | 75,927 |  | 97,787 |  | 43,634 |  | 229,848 |  | 68,152 |  | — |  | 549,278 |
| Substandard or Lower | — |  | 2,476 |  | 19,330 |  | 75,365 |  | 94,163 |  | 250,639 |  | 59,494 |  | 1,570 |  | 503,037 |
| Total | $ | 448,018 |  | $ | 1,968,529 |  | $ | 1,818,212 |  | $ | 1,439,251 |  | $ | 1,047,026 |  | $ | 4,269,466 |  | $ | 1,457,980 |  | $ | 2,099 |  | $ | 12,450,581 |
(1) Excludes real estate - construction - other. (2) Loans originated in 2021 and 2020 include $0.2 billion 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, 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 and 2020 include $0.3 billion of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. The following tables present the amortized cost of these loans based on payment activity, by origination year, for the periods shown:
|  | March 31, 2022
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
|  | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Cost Basis | Cost Basis | Total
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Performing | $ | 53,362 |  | $ | 145,950 |  | $ | 96,504 |  | $ | 68,114 |  | $ | 61,230 |  | $ | 158,366 |  | $ | 965,477 |  | $ | 19,237 |  | $ | 1,568,240 |
| Nonperforming | — |  | 150 |  | 118 |  | 59 |  | 75 |  | 2,096 |  | 8,969 |  | 15 |  | 11,482 |
| Total consumer and real estate - home equity | 53,362 |  | 146,100 |  | 96,622 |  | 68,173 |  | 61,305 |  | 160,462 |  | 974,446 |  | 19,252 |  | 1,579,722 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (587) |  | (70) |  | (108) |  | (16) |  | (205) |  | (66) |  | — |  | (1,052) |
| Current period recoveries | — |  | 42 |  | 72 |  | 29 |  | 16 |  | 169 |  | 126 |  | — |  | 454 |
| Total net (charge-offs) recoveries | — |  | (545) |  | 2 |  | (79) |  | — |  | (36) |  | 60 |  | — |  | (598) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 202,665 |  | 1,581,675 |  | 1,089,264 |  | 319,209 |  | 96,585 |  | 617,755 |  | — |  | — |  | 3,907,153 |
| Nonperforming | — |  | 801 |  | 6,229 |  | 2,408 |  | 3,710 |  | 26,440 |  | — |  | — |  | 39,588 |
| Total real estate - residential mortgage | 202,665 |  | 1,582,476 |  | 1,095,493 |  | 321,617 |  | 100,295 |  | 644,195 |  | — |  | — |  | 3,946,741 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 191 |  | — |  | — |  | 222 |
| Total net (charge-offs) recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 191 |  | — |  | — |  | 222 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 95,224 |  | 53,218 |  | 55,272 |  | 41,466 |  | 28,155 |  | 24,324 |  | — |  | — |  | 297,659 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | 15,153 |  | — |  | — |  | 15,153 |
| Total leasing and other | 95,224 |  | 53,218 |  | 55,272 |  | 41,466 |  | 28,155 |  | 39,477 |  | — |  | — |  | 312,812 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (469) |  | — |  | — |  | (469) |
| Current period recoveries | — |  | 1 |  | 20 |  | 5 |  | 3 |  | 125 |  | — |  | — |  | 154 |
| Total net (charge-offs) recoveries | — |  | 1 |  | 20 |  | 5 |  | 3 |  | (344) |  | — |  | — |  | (315) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 18,085 |  | 154,762 |  | 27,874 |  | — |  | 5,028 |  | — |  | 367 |  | — |  | 206,116 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 18,085 |  | 154,762 |  | 27,874 |  | — |  | 5,028 |  | — |  | 367 |  | — |  | 206,116 |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 369,336 |  | $ | 1,935,605 |  | $ | 1,268,914 |  | $ | 428,789 |  | $ | 190,998 |  | $ | 800,445 |  | $ | 965,844 |  | $ | 19,237 |  | $ | 5,979,168 |
| Nonperforming | — |  | 951 |  | 6,347 |  | 2,467 |  | 3,785 |  | 43,689 |  | 8,969 |  | 15 |  | 66,223 |
| Total | $ | 369,336 |  | $ | 1,936,556 |  | $ | 1,275,261 |  | $ | 431,256 |  | $ | 194,783 |  | $ | 844,134 |  | $ | 974,813 |  | $ | 19,252 |  | $ | 6,045,391 |
|  | 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
Consumer and Real estate - home equity |  |  |  |  |  |  |  |
| Performing | $ | 162,441 |  | $ | 102,918 |  | $ | 73,769 |  | $ | 68,564 |  | $ | 33,254 |  | $ | 135,412 |  | $ | 990,842 |  | $ | 3,999 |  | $ | 1,571,199 |
| Nonperforming | 122 |  | 101 |  | 60 |  | 51 |  | 314 |  | 2,348 |  | 8,512 |  | 198 |  | 11,706 |
| Total consumer and real estate - home equity | 162,563 |  | 103,019 |  | 73,829 |  | 68,615 |  | 33,568 |  | 137,760 |  | 999,354 |  | 4,197 |  | 1,582,905 |
Consumer and Real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | (175) |  | (491) |  | (496) |  | (238) |  | (224) |  | (411) |  | (1,274) |  | — |  | (3,309) |
| Current period recoveries | — |  | 223 |  | 131 |  | 131 |  | 167 |  | 1,048 |  | 645 |  | — |  | 2,345 |
| Total net (charge-offs) recoveries | (175) |  | (268) |  | (365) |  | (107) |  | (57) |  | 637 |  | (629) |  | — |  | (964) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 1,548,174 |  | 1,133,602 |  | 344,625 |  | 113,801 |  | 198,164 |  | 468,842 |  | — |  | — |  | 3,807,208 |
| Nonperforming | — |  | 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) |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 97,077 |  | 65,316 |  | 49,591 |  | 34,107 |  | 22,444 |  | 1,369 |  | — |  | — |  | 269,904 |
| Nonperforming | — |  | — |  | — |  | — |  | 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 |
| Nonperforming | — |  | — |  | — |  | — |  | 173 |  | — |  | — |  | — |  | 173 |
| Total construction - other | 144,652 |  | 40,040 |  | 638 |  | 5,028 |  | 173 |  | — |  | — |  | — |  | 190,531 |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,952,344 |  | $ | 1,341,876 |  | $ | 468,623 |  | $ | 221,500 |  | $ | 253,862 |  | $ | 605,623 |  | $ | 990,842 |  | $ | 3,999 |  | $ | 5,838,669 |
| Nonperforming | 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 |
Non-Performing Assets | The following table presents non-performing assets:
| March 31, 2022 |  | December 31, 2021
| (in thousands)
Non-accrual loans | $ | 136,799 |  |  | $ | 143,666 |
Loans 90 days or more past due and still accruing | 24,182 |  |  | 8,453 |
Total non-performing loans | 160,981 |  |  | 152,119 |
OREO (1) | 2,014 |  |  | 1,817 |
Total non-performing assets | $ | 162,995 |  |  | $ | 153,936 |
(1) Excludes $4.7 million and $6.4 million of residential mortgage properties for which formal foreclosure proceedings were in process as of March 31, 2022 and December 31, 2021, 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, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 3,869 |  |  | $ | 725 |  |  | $ | 13,790 |  |  |  |  | $ | 50,400 |  |  | $ | 7,220,592 |  |  | $ | 7,289,376 |
Commercial and industrial(1) | 5,107 |  |  | 606 |  |  | 1,702 |  |  |  |  | 28,490 |  |  | 4,121,076 |  |  | 4,156,981 |
Real estate – residential mortgage | 29,343 |  |  | 4,040 |  |  | 5,388 |  |  |  |  | 33,920 |  |  | 3,874,050 |  |  | 3,946,741 |
Real estate – home equity | 4,326 |  |  | 727 |  |  | 2,729 |  |  |  |  | 8,145 |  |  | 1,082,244 |  |  | 1,098,171 |
Real estate – construction | 1,139 |  |  | — |  |  | — |  |  |  |  | 672 |  |  | 1,208,529 |  |  | 1,210,340 |
Consumer | 2,762 |  |  | 669 |  |  | 417 |  |  |  |  | 175 |  |  | 477,528 |  |  | 481,551 |
Equipment lease financing and other | 261 |  |  | — |  |  | 156 |  |  |  |  | 14,997 |  |  | 277,545 |  |  | 292,959 |
Total | $ | 46,807 |  |  | $ | 6,767 |  |  | $ | 24,182 |  |  |  |  | $ | 136,799 |  |  | $ | 18,261,564 |  |  | $ | 18,476,119 |
(1) Includes PPP loans totaling $0.2 billion as of March 31, 2022.
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- 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(1) | 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 |
(1) Includes PPP loans totaling $0.3 billion as of December 31, 2021.
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs, by class segment:
| March 31, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 3,563 |  |  | $ | 3,464 |
Commercial and industrial | 1,903 |  |  | 1,857 |
Real estate - residential mortgage | 11,700 |  |  | 11,948 |
Real estate - home equity | 12,028 |  |  | 12,218 |
Consumer | 2 |  |  | 5 |
Total accruing TDRs | 29,196 |  |  | 29,492 |
Non-accrual TDRs (1) | 52,125 |  |  | 55,945 |
Total TDRs | $ | 81,321 |  |  | $ | 85,437 |
(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, 2022 and 2021:
| Three months ended March 31 |  |
| 2022 |  | 2021 |  |  |  |
| Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment |  |  |  |  |  |  |  |
| (dollars in thousands)
Commercial and industrial | 1 |  |  | $ | 82 |  |  | 4 |  |  | $ | 1,894 |  |  |  |  |  |  |  |  |
Real estate - commercial mortgage | 1 |  |  | 150 |  |  | 2 |  |  | 4,162 |  |  |  |  |  |  |  |  |
Real estate - residential mortgage | 4 |  |  | 293 |  |  | 23 |  |  | 7,626 |  |  |  |  |  |  |  |  |
Real estate - home equity | — |  |  | — |  |  | 5 |  |  | 148 |  |  |  |  |  |  |  |  |
Real estate - construction | — |  |  | — |  |  | 1 |  |  | 154 |  |  |  |  |  |  |  |  |
Consumer | 5 |  |  | 329 |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Total | 11 |  |  | $ | 854 |  |  | 35 |  |  | $ | 13,984 |  |  |  |  |  |  |  |  |

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