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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2022
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans and leases, net of unearned income are summarized as follows:
| September 30, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 7,554,509 |  |  | $ | 7,279,080 |
Commercial and industrial (1) | 4,243,392 |  |  | 4,208,327 |
Real-estate - residential mortgage | 4,574,228 |  |  | 3,846,750 |
Real-estate - home equity | 1,110,103 |  |  | 1,118,248 |
Real-estate - construction | 1,273,097 |  |  | 1,139,779 |
Consumer | 633,666 |  |  | 464,657 |
Equipment lease financing and other | 328,057 |  |  | 283,557 |
Overdrafts | 2,162 |  |  | 1,988 |
Gross loans | 19,719,214 |  |  | 18,342,386 |
Unearned income | (24,015) |  |  | (17,036) |
Net loans | $ | 19,695,199 |  |  | $ | 18,325,350 |
(1) Includes PPP loans totaling $32.1 million and $301.3 million as of September 30, 2022 and December 31, 2021, respectively.
Schedule of Allowance for Credit Losses | The following table presents the components of the ACL:
| September 30, 2022 |  | December 31, 2021
| (in thousands)
ACL - loans | $ | 266,838 |  |  | $ | 249,001 |
ACL - OBS credit exposure(1) | 15,690 |  |  | 14,533 |
Total ACL | $ | 282,528 |  |  | $ | 263,534 |
(1) Included in other liabilities on the Consolidated Balance Sheets.
Activity in the Allowance for Credit Losses | The following table presents the activity in the ACL:
| Three months ended September 30 | Nine months ended September 30
| 2022 |  | 2021 |  | 2022 |  | 2021
| (in thousands) |  |  |  |
Balance at beginning of period | $ | 262,887 |  |  | $ | 269,805 |  |  | $ | 263,534 |  |  | $ | 291,940 |
CECL Day 1 Provision expense | 7,954 |  |  | — |  |  | 7,954 |  |  | — |
Purchased credit deteriorated loans | 1,135 |  |  | — |  |  | 1,135 |  |  | — |
Loans charged off | (3,724) |  |  | (2,234) |  |  | (7,242) |  |  | (19,958) |
Recoveries of loans previously charged off | 3,272 |  |  | 4,539 |  |  | 11,593 |  |  | 9,128 |
Net loans (charged-off) recovered | (452) |  |  | 2,305 |  |  | 4,351 |  |  | (10,830) |
Provision for credit losses (1) | 11,004 |  |  | (600) |  |  | 5,554 |  |  | (9,600) |
Balance at end of period | $ | 282,528 |  |  | $ | 271,510 |  |  | $ | 282,528 |  |  | $ | 271,510 |
(1) Includes $1.4 million and $10 thousand for the three months ended September 30, 2022 and 2021, respectively, and includes $1.2 million and $0.4 million for the nine months ended September 30, 2022 and 2021, respectively, related to OBS credit exposure. The following table presents the activity in the ACL by portfolio segment:
| Real Estate Commercial Mortgage |  | Commercial and Industrial |  | Consumer and Home Equity |  | Real Estate Residential Mortgage |  | Real Estate Construction |  | Equipment lease financing, other and overdrafts |  | Total
| (in thousands)
Three months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2022 | $ | 72,605 |  |  | $ | 72,119 |  |  | $ | 23,080 |  |  | $ | 61,635 |  |  | $ | 10,628 |  |  | $ | 8,497 |  |  | $ | 248,564 |
CECL Day 1 Provision expense | 4,107 |  |  | — |  |  | 131 |  |  | 3,716 |  |  | — |  |  | — |  |  | 7,954 |
Purchased credit deteriorated loans | 1,051 |  |  | — |  |  | 7 |  |  | 77 |  |  | — |  |  | — |  |  | 1,135 |
Loans charged off | (86) |  |  | (1,783) |  |  | (1,172) |  |  | — |  |  | — |  |  | (683) |  |  | (3,724) |
Recoveries of loans previously charged off | 29 |  |  | 2,213 |  |  | 682 |  |  | 101 |  |  | — |  |  | 247 |  |  | 3,272 |
Net loans recovered (charged off) | (57) |  |  | 430 |  |  | (490) |  |  | 101 |  |  | — |  |  | (436) |  |  | (452) |
Provision for loan losses (1) | 11,144 |  |  | (6,424) |  |  | 1,812 |  |  | 1,880 |  |  | 1,045 |  |  | 180 |  |  | 9,637 |
Balance at September 30, 2022 | $ | 88,850 |  |  | $ | 66,125 |  |  | $ | 24,540 |  |  | $ | 67,409 |  |  | $ | 11,673 |  |  | $ | 8,241 |  |  | $ | 266,838 |
Three months ended September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2021 | $ | 95,381 |  |  | $ | 65,404 |  |  | $ | 21,994 |  |  | $ | 54,188 |  |  | $ | 12,654 |  |  | $ | 5,411 |  |  | $ | 255,032 |
Loans charged off | (14) |  |  | (647) |  |  | (504) |  |  | (602) |  |  | — |  |  | (467) |  |  | (2,234) |
Recoveries of loans previously charged off | 564 |  |  | 2,330 |  |  | 504 |  |  | 86 |  |  | 697 |  |  | 358 |  |  | 4,539 |
Net loans recovered (charged off) | 550 |  |  | 1,683 |  |  | — |  |  | (516) |  |  | 697 |  |  | (109) |  |  | 2,305 |
Provision for loan and lease losses (1) | 234 |  |  | (4,196) |  |  | (526) |  |  | 2,557 |  |  | (930) |  |  | 2,251 |  |  | (610) |
Balance at September 30, 2021 | $ | 96,165 |  |  | $ | 62,891 |  |  | $ | 21,468 |  |  | $ | 56,229 |  |  | $ | 12,421 |  |  | $ | 7,553 |  |  | $ | 256,727 |
Nine months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 87,970 |  |  | $ | 67,056 |  |  | $ | 19,749 |  |  | $ | 54,236 |  |  | $ | 12,941 |  |  | $ | 7,049 |  |  | $ | 249,001 |
CECL Day 1 Provision expense | 4,107 |  |  | — |  |  | 131 |  |  | 3,716 |  |  | — |  |  | — |  |  | 7,954 |
Purchased credit deteriorated loans | 1,051 |  |  | — |  |  | 7 |  |  | 77 |  |  | — |  |  | — |  |  | 1,135 |
Loans charged off | (238) |  |  | (2,211) |  |  | (3,101) |  |  | (66) |  |  | — |  |  | (1,626) |  |  | (7,242) |
Recoveries of loans previously charged off | 3,677 |  |  | 4,932 |  |  | 1,898 |  |  | 415 |  |  | 44 |  |  | 627 |  |  | 11,593 |
Net loans recovered (charged off) | 3,439 |  |  | 2,721 |  |  | (1,203) |  |  | 349 |  |  | 44 |  |  | (999) |  |  | 4,351 |
Provision for loan losses (1) | (7,717) |  |  | (3,652) |  |  | 5,856 |  |  | 9,031 |  |  | (1,312) |  |  | 2,191 |  |  | 4,397 |
Balance at September 30, 2022 | $ | 88,850 |  |  | $ | 66,125 |  |  | $ | 24,540 |  |  | $ | 67,409 |  |  | $ | 11,673 |  |  | $ | 8,241 |  |  | $ | 266,838 |
Nine months ended September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2020 | $ | 103,425 |  |  | $ | 74,771 |  |  | $ | 25,137 |  |  | $ | 51,995 |  |  | $ | 15,608 |  |  | $ | 6,631 |  |  | $ | 277,567 |
Loans charged off | (8,357) |  |  | (5,920) |  |  | (2,481) |  |  | (1,290) |  |  | (39) |  |  | (1,871) |  |  | (19,958) |
Recoveries of loans previously charged off | 1,467 |  |  | 3,792 |  |  | 1,578 |  |  | 286 |  |  | 1,335 |  |  | 670 |  |  | 9,128 |
Net loans recovered (charged off) | (6,890) |  |  | (2,128) |  |  | (903) |  |  | (1,004) |  |  | 1,296 |  |  | (1,201) |  |  | (10,830) |
Provision for loan losses (1) | (370) |  |  | (9,752) |  |  | (2,766) |  |  | 5,238 |  |  | (4,483) |  |  | 2,123 |  |  | (10,010) |
Balance at September 30, 2021 | $ | 96,165 |  |  | $ | 62,891 |  |  | $ | 21,468 |  |  | $ | 56,229 |  |  | $ | 12,421 |  |  | $ | 7,553 |  |  | $ | 256,727 |
(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:
| September 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 | $ | 58,518 |  |  | $ | 36,186 |  |  | $ | 94,704 |  |  | $ | 20,564 |  |  | $ | 32,251 |  |  | $ | 52,815 |
Commercial and industrial | 11,171 |  |  | 18,633 |  |  | 29,804 |  |  | 12,571 |  |  | 17,570 |  |  | 30,141 |
Real estate - residential mortgage | 31,464 |  |  | — |  |  | 31,464 |  |  | 35,269 |  |  | — |  |  | 35,269 |
Real estate - home equity | 6,960 |  |  | 133 |  |  | 7,093 |  |  | 8,671 |  |  | — |  |  | 8,671 |
Real estate - construction | 185 |  |  | 1,271 |  |  | 1,456 |  |  | 173 |  |  | 728 |  |  | 901 |
Consumer | 101 |  |  | — |  |  | 101 |  |  | 229 |  |  | — |  |  | 229 |
Equipment lease financing and other | 4,327 |  |  | 9,255 |  |  | 13,582 |  |  | 6,247 |  |  | 9,393 |  |  | 15,640 |
| $ | 112,726 |  |  | $ | 65,478 |  |  | $ | 178,204 |  |  | $ | 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:
|  | September 30, 2022
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (in thousands) | Amortized | Amortized |
| 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Cost Basis | Cost Basis | Total
Real estate - construction(1) |  |  |  |  |  |  |  |  |
| Pass | $ | 102,525 |  | $ | 355,433 |  | $ | 299,312 |  | $ | 48,953 |  | $ | 49,473 |  | $ | 113,662 |  | $ | 37,564 |  | $ | — |  | $ | 1,006,922 |
| Special Mention | — |  | — |  | 2,789 |  | — |  | — |  | 5,463 |  | — |  | — |  | 8,252 |
| Substandard or Lower | — |  | — |  | — |  | 2,310 |  | — |  | 4,633 |  | 208 |  | — |  | 7,151 |
| Total real estate - construction | 102,525 |  | 355,433 |  | 302,101 |  | 51,263 |  | 49,473 |  | 123,758 |  | 37,772 |  | — |  | 1,022,325 |
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 | 635,272 |  | 497,464 |  | 419,171 |  | 337,009 |  | 191,715 |  | 641,262 |  | 1,306,921 |  | 962 |  | 4,029,776 |
| Special Mention | 7,762 |  | 10,941 |  | 8,550 |  | 8,819 |  | 4,957 |  | 21,754 |  | 41,119 |  | — |  | 103,902 |
| Substandard or Lower | 791 |  | 4,887 |  | 3,893 |  | 14,400 |  | 6,316 |  | 23,992 |  | 55,435 |  | — |  | 109,714 |
| Total commercial and industrial | 643,825 |  | 513,292 |  | 431,614 |  | 360,228 |  | 202,988 |  | 687,008 |  | 1,403,475 |  | 962 |  | 4,243,392 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (36) |  | — |  | (21) |  | (365) |  | (1,192) |  | (597) |  | (2,211) |
| Current period recoveries | — |  | — |  | 30 |  | 95 |  | 379 |  | 1,618 |  | 747 |  | 2,063 |  | 4,932 |
| Total net (charge-offs) recoveries | — |  | — |  | (6) |  | 95 |  | 358 |  | 1,253 |  | (445) |  | 1,466 |  | 2,721 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | 730,581 |  | 1,147,950 |  | 955,537 |  | 808,474 |  | 613,888 |  | 2,680,340 |  | 65,607 |  | — |  | 7,002,377 |
| Special Mention | 96 |  | 29,528 |  | 38,858 |  | 35,957 |  | 18,060 |  | 155,437 |  | 1,200 |  | — |  | 279,136 |
| Substandard or Lower | 94 |  | 1,496 |  | 7,563 |  | 68,248 |  | 28,686 |  | 166,666 |  | 243 |  | — |  | 272,996 |
| Total real estate - commercial mortgage | 730,771 |  | 1,178,974 |  | 1,001,958 |  | 912,679 |  | 660,634 |  | 3,002,443 |  | 67,050 |  | — |  | 7,554,509 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (238) |  | (238) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 3,673 |  | 3,677 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 3,435 |  | 3,439 |
Total |  |  |  |  |  |  |  |
| Pass | $ | 1,468,378 |  | $ | 2,000,847 |  | $ | 1,674,020 |  | $ | 1,194,436 |  | $ | 855,076 |  | $ | 3,435,264 |  | $ | 1,410,092 |  | $ | 962 |  | $ | 12,039,075 |
| Special Mention | 7,858 |  | 40,469 |  | 50,197 |  | 44,776 |  | 23,017 |  | 182,654 |  | 42,319 |  | — |  | 391,290 |
| Substandard or Lower | 885 |  | 6,383 |  | 11,456 |  | 84,958 |  | 35,002 |  | 195,291 |  | 55,886 |  | — |  | 389,861 |
| Total | $ | 1,477,121 |  | $ | 2,047,699 |  | $ | 1,735,673 |  | $ | 1,324,170 |  | $ | 913,095 |  | $ | 3,813,209 |  | $ | 1,508,297 |  | $ | 962 |  | $ | 12,820,226 |
(1) Excludes real estate - construction - other. (2) Loans originated in 2021 and 2020 include $32.1 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, 2021
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | ( 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 $301.3 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 tables present the amortized cost of these loans based on payment activity, by origination year, for the periods shown:
|  | September 30, 2022
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (in thousands) | Amortized | Amortized |
|  | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Cost Basis | Cost Basis | Total
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Performing | $ | 323,238 |  | $ | 121,500 |  | $ | 89,432 |  | $ | 59,199 |  | $ | 51,895 |  | $ | 98,043 |  | $ | 847,612 |  | $ | 142,704 |  | $ | 1,733,623 |
| Nonperforming | 152 |  | 209 |  | 32 |  | 167 |  | 112 |  | 2,071 |  | 1,739 |  | 5,664 |  | 10,146 |
| Total consumer and real estate - home equity | 323,390 |  | 121,709 |  | 89,464 |  | 59,366 |  | 52,007 |  | 100,114 |  | 849,351 |  | 148,368 |  | 1,743,769 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (587) |  | (70) |  | (108) |  | (16) |  | (355) |  | (178) |  | (1,787) |  | (3,101) |
| Current period recoveries | — |  | 44 |  | 88 |  | 29 |  | 16 |  | 516 |  | 248 |  | 957 |  | 1,898 |
| Total net (charge-offs) recoveries | — |  | (543) |  | 18 |  | (79) |  | — |  | 161 |  | 70 |  | (830) |  | (1,203) |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | 763,300 |  | 1,672,528 |  | 1,077,559 |  | 296,437 |  | 87,861 |  | 634,295 |  | — |  | — |  | 4,531,980 |
| Nonperforming | — |  | 2,610 |  | 5,222 |  | 4,696 |  | 3,983 |  | 25,737 |  | — |  | — |  | 42,248 |
| Total real estate - residential mortgage | 763,300 |  | 1,675,138 |  | 1,082,781 |  | 301,133 |  | 91,844 |  | 660,032 |  | — |  | — |  | 4,574,228 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (66) |  | (66) |
| Current period recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | 123 |  | 415 |
| Total net (charge-offs) recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | 57 |  | 349 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Performing | 134,364 |  | 45,541 |  | 44,928 |  | 33,309 |  | 17,173 |  | 17,307 |  | — |  | — |  | 292,622 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | 13,582 |  | — |  | — |  | 13,582 |
| Total leasing and other | 134,364 |  | 45,541 |  | 44,928 |  | 33,309 |  | 17,173 |  | 30,889 |  | — |  | — |  | 306,204 |
Equipment lease financing and other |  |  |  |  |  |  |  |
| Current period gross charge-offs | (304) |  | (108) |  | (72) |  | (50) |  | (21) |  | (1,071) |  | — |  | — |  | (1,626) |
| Current period recoveries | 33 |  | 12 |  | 74 |  | 20 |  | 6 |  | 253 |  | — |  | 229 |  | 627 |
| Total net (charge-offs) recoveries | (271) |  | (96) |  | 2 |  | (30) |  | (15) |  | (818) |  | — |  | 229 |  | (999) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 113,328 |  | 118,987 |  | 13,429 |  | — |  | 4,568 |  | — |  | — |  | 460 |  | 250,772 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 113,328 |  | 118,987 |  | 13,429 |  | — |  | 4,568 |  | — |  | — |  | 460 |  | 250,772 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,334,230 |  | $ | 1,958,556 |  | $ | 1,225,348 |  | $ | 388,945 |  | $ | 161,497 |  | $ | 749,645 |  | $ | 847,612 |  | $ | 143,164 |  | $ | 6,808,997 |
| Nonperforming | 152 |  | 2,819 |  | 5,254 |  | 4,863 |  | 4,095 |  | 41,390 |  | 1,739 |  | 5,664 |  | 65,976 |
| Total | $ | 1,334,382 |  | $ | 1,961,375 |  | $ | 1,230,602 |  | $ | 393,808 |  | $ | 165,592 |  | $ | 791,035 |  | $ | 849,351 |  | $ | 148,828 |  | $ | 6,874,973 |
|  | December 31, 2021
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (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:
| September 30, 2022 |  | December 31, 2021
| (in thousands)
Non-accrual loans | $ | 178,204 |  |  | $ | 143,666 |
Loans 90 days or more past due and still accruing(1) | 14,559 |  |  | 8,453 |
Total non-performing loans | 192,763 |  |  | 152,119 |
OREO (2) | 5,877 |  |  | 1,817 |
Total non-performing assets | $ | 198,640 |  |  | $ | 153,936 |
(1) Excludes PPP loans which are fully guaranteed by the federal government of $10.4 million as of September 30, 2022. (2) Excludes $3.4 million and $6.4 million of residential mortgage properties for which formal foreclosure proceedings were in process as of September 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)
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 9,428 |  |  | $ | 1,884 |  |  | $ | 1,577 |  |  |  |  | $ | 94,704 |  |  | $ | 7,446,916 |  |  | $ | 7,554,509 |
Commercial and industrial(1) | 4,705 |  |  | 228 |  |  | 27 |  |  |  |  | 29,804 |  |  | 4,208,628 |  |  | 4,243,392 |
Real estate – residential mortgage | 45,625 |  |  | 9,825 |  |  | 10,133 |  |  |  |  | 31,464 |  |  | 4,477,181 |  |  | 4,574,228 |
Real estate – home equity | 4,976 |  |  | 815 |  |  | 2,087 |  |  |  |  | 7,093 |  |  | 1,095,132 |  |  | 1,110,103 |
Real estate – construction | 17,181 |  |  | 2,106 |  |  | — |  |  |  |  | 1,456 |  |  | 1,252,354 |  |  | 1,273,097 |
Consumer | 6,308 |  |  | 1,384 |  |  | 735 |  |  |  |  | 101 |  |  | 625,138 |  |  | 633,666 |
Equipment lease financing and other | 70 |  |  | — |  |  | — |  |  |  |  | 13,582 |  |  | 292,552 |  |  | 306,204 |
Total | $ | 88,293 |  |  | $ | 16,242 |  |  | $ | 14,559 |  |  |  |  | $ | 178,204 |  |  | $ | 19,397,901 |  |  | $ | 19,695,199 |
(1) Delinquent PPP loans 30-59 days past due and 60-89 days past due of $2.2 million and $3.4 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:
| September 30, 2022 |  | December 31, 2021
| (in thousands)
Real estate - commercial mortgage | $ | 3,448 |  |  | $ | 3,464 |
Commercial and industrial | 1,837 |  |  | 1,857 |
Real estate - residential mortgage | 12,101 |  |  | 11,948 |
Real estate - home equity | 11,719 |  |  | 12,218 |
Consumer | 2 |  |  | 5 |
Total accruing TDRs | 29,107 |  |  | 29,492 |
Non-accrual TDRs (1) | 40,401 |  |  | 55,945 |
Total TDRs | $ | 69,508 |  |  | $ | 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 nine months ended September 30, 2022 and 2021:
| Three months ended September 30 |  | Nine months ended September 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 | — |  |  | $ | — |  |  | 5 |  |  | $ | 852 |  |  | 1 |  |  | $ | 82 |  |  | 9 |  |  | $ | 2,745 |
Real estate - commercial mortgage | — |  |  | — |  |  | 4 |  |  | 9,129 |  |  | 1 |  |  | 150 |  |  | 9 |  |  | 16,020 |
Real estate - residential mortgage | — |  |  | — |  |  | 5 |  |  | 1,703 |  |  | 5 |  |  | 293 |  |  | 42 |  |  | 12,431 |
Real estate - home equity | — |  |  | — |  |  | 6 |  |  | 123 |  |  | 5 |  |  | 329 |  |  | 22 |  |  | 870 |
Real estate - construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 154 |
Consumer | 4 |  |  | 155 |  |  | — |  |  | — |  |  | 6 |  |  | 354 |  |  | — |  |  | — |
Total | 4 |  |  | $ | 155 |  |  | 20 |  |  | $ | 11,807 |  |  | 18 |  |  | $ | 1,208 |  |  | 83 |  |  | $ | 32,220 |

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