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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans and leases, net of unearned income are summarized as follows:
| June 30, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 7,417,036 |  |  | $ | 7,279,080 |
Commercial and industrial (1) | 4,173,114 |  |  | 4,208,327 |
Real-estate - residential mortgage | 4,203,827 |  |  | 3,846,750 |
Real-estate - home equity | 1,108,808 |  |  | 1,118,248 |
Real-estate - construction | 1,177,446 |  |  | 1,139,779 |
Consumer | 538,747 |  |  | 464,657 |
Equipment lease financing and other | 321,855 |  |  | 283,557 |
Overdrafts | 2,346 |  |  | 1,988 |
Gross loans | 18,943,179 |  |  | 18,342,386 |
Unearned income | (22,229) |  |  | (17,036) |
Net loans | $ | 18,920,950 |  |  | $ | 18,325,350 |
(1) Includes PPP loans totaling $0.1 billion and $0.3 billion as of June 30, 2022 and December 31, 2021, respectively.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL:
| June 30, 2022 |  | December 31, 2021
| (in thousands)
ACL - loans | $ | 248,564 |  |  | $ | 249,001 |
ACL - OBS credit exposure | 14,323 |  |  | 14,533 |
Total ACL | $ | 262,887 |  |  | $ | 263,534 |
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL:
| Three months ended June 30 | Six months ended June 30
| 2022 |  | 2021 |  | 2022 |  | 2021
| (in thousands) |  |  |  |
Balance at beginning of period | $ | 257,638 |  |  | $ | 280,259 |  |  | $ | 263,534 |  |  | $ | 291,940 |
Loans charged off | (1,618) |  |  | (9,522) |  |  | (3,518) |  |  | (17,724) |
Recoveries of loans previously charged off | 5,367 |  |  | 2,568 |  |  | 8,321 |  |  | 4,589 |
Net loans (charged-off) recovered | 3,749 |  |  | (6,954) |  |  | 4,803 |  |  | (13,135) |
Provision for credit losses (1) | 1,500 |  |  | (3,500) |  |  | (5,450) |  |  | (9,000) |
Balance at end of period | $ | 262,887 |  |  | $ | 269,805 |  |  | $ | 262,887 |  |  | $ | 269,805 |
(1) Includes $0.4 million and $0.5 million related to OBS credit exposures for the three months ended June 30, 2022 and 2021, respectively, and includes $(0.2) million and $0.4 million related to OBS credit exposure for the six months ended June 30, 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 June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2022 | $ | 79,853 |  |  | $ | 66,511 |  |  | $ | 20,213 |  |  | $ | 55,892 |  |  | $ | 13,303 |  |  | $ | 7,933 |  |  | $ | 243,705 |
Loans charged off | — |  |  | (201) |  |  | (877) |  |  | (66) |  |  | — |  |  | (474) |  |  | (1,618) |
Recoveries of loans previously charged off | 3,536 |  |  | 739 |  |  | 762 |  |  | 92 |  |  | 12 |  |  | 226 |  |  | 5,367 |
Net loans recovered (charged off) | 3,536 |  |  | 538 |  |  | (115) |  |  | 26 |  |  | 12 |  |  | (248) |  |  | 3,749 |
Provision for loan losses (1) | (10,784) |  |  | 5,070 |  |  | 2,982 |  |  | 5,717 |  |  | (2,687) |  |  | 812 |  |  | 1,110 |
Balance at June 30, 2022 | $ | 72,605 |  |  | $ | 72,119 |  |  | $ | 23,080 |  |  | $ | 61,635 |  |  | $ | 10,628 |  |  | $ | 8,497 |  |  | $ | 248,564 |
Three months ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2021 | $ | 100,976 |  |  | $ | 71,194 |  |  | $ | 23,142 |  |  | $ | 49,995 |  |  | $ | 15,079 |  |  | $ | 5,600 |  |  | $ | 265,986 |
Loans charged off | (6,506) |  |  | (954) |  |  | (1,130) |  |  | (496) |  |  | — |  |  | (436) |  |  | (9,522) |
Recoveries of loans previously charged off | 729 |  |  | 693 |  |  | 634 |  |  | 105 |  |  | 254 |  |  | 153 |  |  | 2,568 |
Net loans recovered (charged off) | (5,777) |  |  | (261) |  |  | (496) |  |  | (391) |  |  | 254 |  |  | (283) |  |  | (6,954) |
Provision for loan and lease losses (1) | 182 |  |  | (5,529) |  |  | (652) |  |  | 4,584 |  |  | (2,679) |  |  | 94 |  |  | (4,000) |
Balance at June 30, 2021 | $ | 95,381 |  |  | $ | 65,404 |  |  | $ | 21,994 |  |  | $ | 54,188 |  |  | $ | 12,654 |  |  | $ | 5,411 |  |  | $ | 255,032 |
Six months ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 87,970 |  |  | $ | 67,056 |  |  | $ | 19,749 |  |  | $ | 54,236 |  |  | $ | 12,941 |  |  | $ | 7,049 |  |  | $ | 249,001 |
Loans charged off | (152) |  |  | (428) |  |  | (1,929) |  |  | (66) |  |  | — |  |  | (943) |  |  | (3,518) |
Recoveries of loans previously charged off | 3,648 |  |  | 2,719 |  |  | 1,216 |  |  | 314 |  |  | 44 |  |  | 380 |  |  | 8,321 |
Net loans recovered (charged off) | 3,496 |  |  | 2,291 |  |  | (713) |  |  | 248 |  |  | 44 |  |  | (563) |  |  | 4,803 |
Provision for loan losses (1) | (18,861) |  |  | 2,772 |  |  | 4,044 |  |  | 7,151 |  |  | (2,357) |  |  | 2,011 |  |  | (5,240) |
Balance at June 30, 2022 | $ | 72,605 |  |  | $ | 72,119 |  |  | $ | 23,080 |  |  | $ | 61,635 |  |  | $ | 10,628 |  |  | $ | 8,497 |  |  | $ | 248,564 |
Six months ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2020 | $ | 103,425 |  |  | $ | 74,771 |  |  | $ | 25,137 |  |  | $ | 51,995 |  |  | $ | 15,608 |  |  | $ | 6,631 |  |  | $ | 277,567 |
Loans charged off | (8,343) |  |  | (5,273) |  |  | (1,977) |  |  | (688) |  |  | (39) |  |  | (1,404) |  |  | (17,724) |
Recoveries of loans previously charged off | 903 |  |  | 1,462 |  |  | 1,074 |  |  | 200 |  |  | 638 |  |  | 312 |  |  | 4,589 |
Net loans recovered (charged off) | (7,440) |  |  | (3,811) |  |  | (903) |  |  | (488) |  |  | 599 |  |  | (1,092) |  |  | (13,135) |
Provision for loan losses (1) | (604) |  |  | (5,556) |  |  | (2,240) |  |  | 2,681 |  |  | (3,553) |  |  | (128) |  |  | (9,400) |
Balance at June 30, 2021 | $ | 95,381 |  |  | $ | 65,404 |  |  | $ | 21,994 |  |  | $ | 54,188 |  |  | $ | 12,654 |  |  | $ | 5,411 |  |  | $ | 255,032 |
(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:
| June 30, 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 | $ | 18,035 |  |  | $ | 41,530 |  |  | $ | 59,565 |  |  | $ | 20,564 |  |  | $ | 32,251 |  |  | $ | 52,815 |
Commercial and industrial | 13,593 |  |  | 30,098 |  |  | 43,691 |  |  | 12,571 |  |  | 17,570 |  |  | 30,141 |
Real estate - residential mortgage | 34,390 |  |  | 1,195 |  |  | 35,585 |  |  | 35,269 |  |  | — |  |  | 35,269 |
Real estate - home equity | 7,974 |  |  | 136 |  |  | 8,110 |  |  | 8,671 |  |  | — |  |  | 8,671 |
Real estate - construction | — |  |  | 1,357 |  |  | 1,357 |  |  | 173 |  |  | 728 |  |  | 901 |
Consumer | 160 |  |  | — |  |  | 160 |  |  | 229 |  |  | — |  |  | 229 |
Equipment lease financing and other | 4,807 |  |  | 9,255 |  |  | 14,062 |  |  | 6,247 |  |  | 9,393 |  |  | 15,640 |
| $ | 78,959 |  |  | $ | 83,571 |  |  | $ | 162,530 |  |  | $ | 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:
|  | June 30, 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 | $ | 42,940 |  | $ | 292,317 |  | $ | 287,166 |  | $ | 66,620 |  | $ | 49,664 |  | $ | 120,391 |  | $ | 29,138 |  | $ | 1,054 |  | $ | 889,290 |
| Special Mention | — |  | — |  | 2,012 |  | 9,984 |  | — |  | 20,678 |  | — |  | — |  | 32,674 |
| Substandard or Lower | — |  | — |  | — |  | — |  | — |  | 4,451 |  | 214 |  | — |  | 4,665 |
| Total real estate - construction | 42,940 |  | 292,317 |  | 289,178 |  | 76,604 |  | 49,664 |  | 145,520 |  | 29,352 |  | 1,054 |  | 926,629 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 44 |  | 44 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 44 |  | 44 |
Commercial and industrial(2) |  |  |  |  |  |  |  |
| Pass | 462,732 |  | 533,826 |  | 436,620 |  | 346,343 |  | 203,490 |  | 665,347 |  | 1,232,430 |  | 724 |  | 3,881,512 |
| Special Mention | 6,815 |  | 13,149 |  | 10,076 |  | 9,843 |  | 5,927 |  | 21,322 |  | 65,728 |  | — |  | 132,860 |
| Substandard or Lower | — |  | 5,621 |  | 9,284 |  | 28,390 |  | 14,915 |  | 33,448 |  | 67,011 |  | 73 |  | 158,742 |
| Total commercial and industrial | 469,547 |  | 552,596 |  | 455,980 |  | 384,576 |  | 224,332 |  | 720,117 |  | 1,365,169 |  | 797 |  | 4,173,114 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (36) |  | — |  | (21) |  | — |  | (174) |  | (197) |  | (428) |
| Current period recoveries | — |  | — |  | 30 |  | 95 |  | 379 |  | 569 |  | 545 |  | 1,101 |  | 2,719 |
| Total net (charge-offs) recoveries | — |  | — |  | (6) |  | 95 |  | 358 |  | 569 |  | 371 |  | 904 |  | 2,291 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 477,751 |  | 1,014,857 |  | 978,961 |  | 799,726 |  | 601,768 |  | 2,775,873 |  | 65,309 |  | — |  | 6,714,245 |
| Special Mention | 336 |  | 32,783 |  | 43,579 |  | 97,163 |  | 45,601 |  | 153,027 |  | 1,994 |  | — |  | 374,483 |
| Substandard or Lower | — |  | 1,510 |  | 8,335 |  | 37,106 |  | 75,075 |  | 205,826 |  | 456 |  | — |  | 328,308 |
| Total real estate - commercial mortgage | 478,087 |  | 1,049,150 |  | 1,030,875 |  | 933,995 |  | 722,444 |  | 3,134,726 |  | 67,759 |  | — |  | 7,417,036 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (152) |  | (152) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 3,644 |  | 3,648 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 3,492 |  | 3,496 |
Total |  |  |  |  |  |  |  |
| Pass | $ | 983,423 |  | $ | 1,841,000 |  | $ | 1,702,747 |  | $ | 1,212,689 |  | $ | 854,922 |  | $ | 3,561,611 |  | $ | 1,326,877 |  | $ | 1,778 |  | $ | 11,485,047 |
| Special Mention | 7,151 |  | 45,932 |  | 55,667 |  | 116,990 |  | 51,528 |  | 195,027 |  | 67,722 |  | — |  | 540,017 |
| Substandard or Lower | — |  | 7,131 |  | 17,619 |  | 65,496 |  | 89,990 |  | 243,725 |  | 67,681 |  | 73 |  | 491,715 |
| Total | $ | 990,574 |  | $ | 1,894,063 |  | $ | 1,776,033 |  | $ | 1,395,175 |  | $ | 996,440 |  | $ | 4,000,363 |  | $ | 1,462,280 |  | $ | 1,851 |  | $ | 12,516,779 |
(1) Excludes real estate - construction - other. (2) Loans originated in 2021 and 2020 include $0.1 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:
|  | June 30, 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 | $ | 199,006 |  | $ | 126,665 |  | $ | 92,240 |  | $ | 62,883 |  | $ | 56,742 |  | $ | 103,004 |  | $ | 852,242 |  | $ | 144,223 |  | $ | 1,637,005 |
| Nonperforming | 22 |  | 148 |  | 108 |  | 19 |  | 112 |  | 2,341 |  | 2,088 |  | 5,712 |  | 10,550 |
| Total consumer and real estate - home equity | 199,028 |  | 126,813 |  | 92,348 |  | 62,902 |  | 56,854 |  | 105,345 |  | 854,330 |  | 149,935 |  | 1,647,555 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (587) |  | (70) |  | (108) |  | (16) |  | (355) |  | (77) |  | (716) |  | (1,929) |
| Current period recoveries | — |  | 44 |  | 88 |  | 29 |  | 16 |  | 351 |  | 144 |  | 544 |  | 1,216 |
| Total net (charge-offs) recoveries | — |  | (543) |  | 18 |  | (79) |  | — |  | (4) |  | 67 |  | (172) |  | (713) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 537,306 |  | 1,591,120 |  | 1,067,487 |  | 296,239 |  | 89,886 |  | 578,653 |  | — |  | — |  | 4,160,691 |
| Nonperforming | — |  | 1,122 |  | 6,322 |  | 5,056 |  | 3,808 |  | 26,828 |  | — |  | — |  | 43,136 |
| Total real estate - residential mortgage | 537,306 |  | 1,592,242 |  | 1,073,809 |  | 301,295 |  | 93,694 |  | 605,481 |  | — |  | — |  | 4,203,827 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (66) |  | (66) |
| Current period recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | 22 |  | 314 |
| Total net (charge-offs) recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | (44) |  | 248 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 126,093 |  | 49,563 |  | 50,710 |  | 37,619 |  | 24,936 |  | 21,218 |  | — |  | — |  | 310,139 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | 14,062 |  | — |  | — |  | 14,062 |
| Total leasing and other | 126,093 |  | 49,563 |  | 50,710 |  | 37,619 |  | 24,936 |  | 35,280 |  | — |  | — |  | 324,201 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (943) |  | — |  | — |  | (943) |
| Current period recoveries | — |  | 1 |  | 68 |  | 13 |  | 3 |  | 227 |  | — |  | 68 |  | 380 |
| Total net (charge-offs) recoveries | — |  | 1 |  | 68 |  | 13 |  | 3 |  | (716) |  | — |  | 68 |  | (563) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 61,082 |  | 162,281 |  | 22,426 |  | — |  | 4,580 |  | — |  | — |  | 448 |  | 250,817 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 61,082 |  | 162,281 |  | 22,426 |  | — |  | 4,580 |  | — |  | — |  | 448 |  | 250,817 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 923,487 |  | $ | 1,929,629 |  | $ | 1,232,863 |  | $ | 396,741 |  | $ | 176,144 |  | $ | 702,875 |  | $ | 852,242 |  | $ | 144,671 |  | $ | 6,358,652 |
| Nonperforming | 22 |  | 1,270 |  | 6,430 |  | 5,075 |  | 3,920 |  | 43,231 |  | 2,088 |  | 5,712 |  | 67,748 |
| Total | $ | 923,509 |  | $ | 1,930,899 |  | $ | 1,239,293 |  | $ | 401,816 |  | $ | 180,064 |  | $ | 746,106 |  | $ | 854,330 |  | $ | 150,383 |  | $ | 6,426,400 |
|  | 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 |
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 |
| 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:
| June 30, 2022 |  | December 31, 2021
| (in thousands)
Non-accrual loans | $ | 162,530 |  |  | $ | 143,666 |
Loans 90 days or more past due and still accruing(1) | 11,016 |  |  | 8,453 |
Total non-performing loans | 173,546 |  |  | 152,119 |
OREO (2) | 4,786 |  |  | 1,817 |
Total non-performing assets | $ | 178,332 |  |  | $ | 153,936 |
(1) Excludes PPP loans which are fully guaranteed by the federal government of $0.7 million as of June 30, 2022. (2) Excludes $3.8 million and $6.4 million of residential mortgage properties for which formal foreclosure proceedings were in process as of June 30, 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)
June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 5,486 |  |  | $ | 3,219 |  |  | $ | 375 |  |  |  |  | $ | 59,565 |  |  | $ | 7,348,391 |  |  | $ | 7,417,036 |
Commercial and industrial(1) | 11,197 |  |  | 1,417 |  |  | 1,022 |  |  |  |  | 43,691 |  |  | 4,115,787 |  |  | 4,173,114 |
Real estate – residential mortgage | 31,221 |  |  | 5,796 |  |  | 7,337 |  |  |  |  | 35,585 |  |  | 4,123,888 |  |  | 4,203,827 |
Real estate – home equity | 4,554 |  |  | 1,341 |  |  | 1,942 |  |  |  |  | 8,110 |  |  | 1,092,861 |  |  | 1,108,808 |
Real estate – construction | 3,728 |  |  | 550 |  |  | — |  |  |  |  | 1,357 |  |  | 1,171,811 |  |  | 1,177,446 |
Consumer | 4,963 |  |  | 1,081 |  |  | 340 |  |  |  |  | 160 |  |  | 532,203 |  |  | 538,747 |
Equipment lease financing and other | 4,472 |  |  | 33 |  |  | — |  |  |  |  | 14,062 |  |  | 283,405 |  |  | 301,972 |
Total | $ | 65,621 |  |  | $ | 13,437 |  |  | $ | 11,016 |  |  |  |  | $ | 162,530 |  |  | $ | 18,668,346 |  |  | $ | 18,920,950 |
(1) Delinquent PPP loans 30-59 days past due and 60-89 days past due of $7.9 million and $1.3 million, respectively, which are fully guaranteed by the federal government, are classified as current.
| 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 | 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 |
Troubled Debt Restructurings on Financing Receivables | The following table presents TDRs, by class segment:
| June 30, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 3,489 |  |  | $ | 3,464 |
Commercial and industrial | 1,871 |  |  | 1,857 |
Real estate - residential mortgage | 10,279 |  |  | 11,948 |
Real estate - home equity | 11,764 |  |  | 12,218 |
Consumer | 2 |  |  | 5 |
Total accruing TDRs | 27,405 |  |  | 29,492 |
Non-accrual TDRs (1) | 45,439 |  |  | 55,945 |
Total TDRs | $ | 72,844 |  |  | $ | 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 and six months ended June 30, 2022 and 2021:
| Three months ended June 30 |  | Six months ended June 30
| 2022 |  | 2021 |  | 2022 |  | 2021
| Number of Loans |  | Post-Modification Recorded Investment |  | Number of Loans |  | Post-Modification Recorded Investment |  | 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 | — |  |  | — |  |  | 3 |  |  | 2,729 |  |  | 1 |  |  | 150 |  |  | 5 |  |  | 6,891 |
Real estate - residential mortgage | — |  |  | — |  |  | 14 |  |  | 3,101 |  |  | 5 |  |  | 293 |  |  | 37 |  |  | 10,728 |
Real estate - home equity | — |  |  | — |  |  | 11 |  |  | 598 |  |  | 5 |  |  | 329 |  |  | 16 |  |  | 746 |
Real estate - construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 154 |
Consumer | 2 |  |  | 199 |  |  | — |  |  | — |  |  | 2 |  |  | 199 |  |  | — |  |  | — |
Total | 2 |  |  | $ | 199 |  |  | 28 |  |  | $ | 6,428 |  |  | 14 |  |  | $ | 1,053 |  |  | 63 |  |  | $ | 20,413 |

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