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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2022
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:
| 2022 |  | 2021
| (dollars in thousands)
Real estate - commercial mortgage | $ | 7,693,835 |  |  | $ | 7,279,080 |
Commercial and industrial(1) | 4,477,537 |  |  | 4,208,327 |
Real-estate - residential mortgage | 4,737,279 |  |  | 3,846,750 |
Real-estate - home equity | 1,102,838 |  |  | 1,118,248 |
Real-estate - construction | 1,269,925 |  |  | 1,139,779 |
Consumer | 699,179 |  |  | 464,657 |
Equipment lease financing and other | 324,928 |  |  | 283,557 |
Overdrafts | 3,403 |  |  | 1,988 |
Gross loans | 20,308,924 |  |  | 18,342,386 |
Unearned income | (29,377) |  |  | (17,036) |
Net loans | $ | 20,279,547 |  |  | $ | 18,325,350 |
(1) Includes PPP loans totaling $20.4 million and $301.3 million as of December 31, 2022 and 2021 respectively.
Schedule of Allowance for Credit Losses | The following table summarizes the ACL - loans balance and the reserve for OBS credit exposures balance as of December 31, 2022 and 2021:
| 2022 |  | 2021
| (dollars in thousands)
ACL - loans | $ | 269,366 |  |  | $ | 249,001 |
Reserve for OBS credit exposures(1) | $ | 16,328 |  |  | $ | 14,533 |
(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 - loans balances for the years ended December 31:
|  | 2022 |  | 2021 |  | 2020
| (dollars in thousands)
Balance at beginning of period |  | $ | 249,001 |  |  | $ | 277,567 |  |  | $ | 163,620 |
CECL Day 1 Provision expense |  | 7,954 |  |  | — |  |  | — |
Purchased credit deteriorated loans |  | 1,135 |  |  | — |  |  | — |
Impact of adopting CECL on January 1, 2020 |  | — |  |  | — |  |  | 45,724 |
Loans charged off |  | (21,472) |  |  | (30,952) |  |  | (30,557) |
Recoveries of loans previously charged off |  | 14,092 |  |  | 17,146 |  |  | 21,020 |
Net loans (charged-off) recovered |  | (7,380) |  |  | (13,806) |  |  | (9,537) |
Provision for credit losses |  | 18,656 |  |  | (14,760) |  |  | 77,760 |
Balance at the end of the period |  | $ | 269,366 |  |  | $ | 249,001 |  |  | $ | 277,567 |
Provision for OBS credit exposures |  | $ | 1,411 |  |  | $ | 160 |  |  | $ | (840) |
Reserve for OBS credit exposures |  | $ | 16,328 |  |  | $ | 14,533 |  |  | $ | 14,373 |
The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2022 and 2021, by portfolio segment:
| Real Estate - Commercial Mortgage |  | Commercial and Industrial |  | Consumer and Real Estate - Home Equity |  | Real Estate - Residential Mortgage |  | Real Estate - Construction |  | Equipment Finance Leasing and Other |  | Total
| (dollars in thousands)
Balance at December 31, 2020 | $ | 103,425 |  |  | $ | 74,771 |  |  | $ | 25,137 |  |  | $ | 51,995 |  |  | $ | 15,608 |  |  | $ | 6,631 |  |  | $ | 277,567 |
Loans charged off | (8,726) |  |  | (15,337) |  |  | (3,309) |  |  | (1,290) |  |  | (39) |  |  | (2,251) |  |  | (30,952) |
Recoveries of loans previously charged off | 2,474 |  |  | 9,587 |  |  | 2,345 |  |  | 375 |  |  | 1,412 |  |  | 953 |  |  | 17,146 |
Net loans (charged off) recovered | (6,252) |  |  | (5,750) |  |  | (964) |  |  | (915) |  |  | 1,373 |  |  | (1,298) |  |  | (13,806) |
Provision for loan losses (1) | (9,203) |  |  | (1,965) |  |  | (4,424) |  |  | 3,156 |  |  | (4,040) |  |  | 1,716 |  |  | (14,760) |
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 |
Initial purchased credit deteriorated loans | 1,051 |  |  | — |  |  | 7 |  |  | 77 |  |  | — |  |  | — |  |  | 1,135 |
Loans charged off | (12,473) |  |  | (2,390) |  |  | (4,412) |  |  | (66) |  |  | — |  |  | (2,131) |  |  | (21,472) |
Recoveries of loans previously charged off | 3,860 |  |  | 5,893 |  |  | 2,581 |  |  | 425 |  |  | 574 |  |  | 759 |  |  | 14,092 |
Net loans (charged off) recovered | (8,613) |  |  | 3,503 |  |  | (1,831) |  |  | 359 |  |  | 574 |  |  | (1,372) |  |  | (7,380) |
Provision for loan losses(1) | (15,059) |  |  | (443) |  |  | 8,373 |  |  | 24,862 |  |  | (2,772) |  |  | 3,695 |  |  | 18,656 |
Balance at December 31, 2022 | $ | 69,456 |  |  | $ | 70,116 |  |  | $ | 26,429 |  |  | $ | 83,250 |  |  | $ | 10,743 |  |  | $ | 9,372 |  |  | $ | 269,366 |
(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:
| 2022 |  | 2021
| With a Related Allowance |  | Without a Related Allowance |  | Total |  | With a Related Allowance |  | Without a Related Allowance |  | Total
| (dollars in thousands)
Real estate - commercial mortgage | $ | 39,722 |  |  | $ | 30,439 |  |  | $ | 70,161 |  |  | $ | 20,564 |  |  | $ | 32,251 |  |  | $ | 52,815 |
Commercial and industrial | 14,804 |  |  | 12,312 |  |  | 27,116 |  |  | 12,571 |  |  | 17,570 |  |  | 30,141 |
Real estate - residential mortgage | 25,315 |  |  | 979 |  |  | 26,294 |  |  | 35,269 |  |  | — |  |  | 35,269 |
Real estate - home equity | 5,975 |  |  | 130 |  |  | 6,105 |  |  | 8,671 |  |  | — |  |  | 8,671 |
Real estate - construction | 866 |  |  | 502 |  |  | 1,368 |  |  | 173 |  |  | 728 |  |  | 901 |
Consumer | 92 |  |  | — |  |  | 92 |  |  | 229 |  |  | — |  |  | 229 |
Equipment lease financing and other | 4,052 |  |  | 9,255 |  |  | 13,307 |  |  | 6,247 |  |  | 9,393 |  |  | 15,640 |
Total | $ | 90,826 |  |  | $ | 53,617 |  |  | $ | 144,443 |  |  | $ | 83,724 |  |  | $ | 59,942 |  |  | $ | 143,666 |
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, 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 - commercial mortgage |  |  |  |  |  |  |  |
| Pass | $ | 1,014,575 |  | $ | 1,095,725 |  | $ | 969,118 |  | $ | 810,850 |  | $ | 621,689 |  | $ | 2,610,511 |  | $ | 80,665 |  | $ | 307 |  | $ | 7,203,440 |
| Special Mention | 95 |  | 50,367 |  | 23,296 |  | 33,735 |  | 16,205 |  | 181,736 |  | 947 |  | — |  | 306,381 |
| Substandard or Lower | 1,032 |  | 3,039 |  | 31,042 |  | 38,378 |  | 23,112 |  | 87,168 |  | 243 |  | — |  | 184,014 |
| Total real estate - commercial mortgage | 1,015,702 |  | 1,149,131 |  | 1,023,456 |  | 882,963 |  | 661,006 |  | 2,879,415 |  | 81,855 |  | 307 |  | 7,693,835 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (53) |  | — |  | (12,420) |  | (12,473) |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 3,856 |  | 3,860 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | (49) |  | — |  | (8,564) |  | (8,613) |
Commercial and industrial(2) |  |  |  |  |  |  |  |
| Pass | 907,390 |  | 449,145 |  | 397,881 |  | 315,605 |  | 185,096 |  | 604,352 |  | 1,387,961 |  | 618 |  | 4,248,048 |
| Special Mention | 11,405 |  | 24,479 |  | 3,763 |  | 8,147 |  | 5,218 |  | 24,633 |  | 56,048 |  | 250 |  | 133,943 |
| Substandard or Lower | 834 |  | 418 |  | 4,818 |  | 13,044 |  | 3,081 |  | 22,025 |  | 51,077 |  | 249 |  | 95,546 |
| Total commercial and industrial | 919,629 |  | 474,042 |  | 406,462 |  | 336,796 |  | 193,395 |  | 651,010 |  | 1,495,086 |  | 1,117 |  | 4,477,537 |
Commercial and industrial |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (36) |  | — |  | (21) |  | (365) |  | (1,192) |  | (776) |  | (2,390) |
| Current period recoveries | — |  | — |  | 30 |  | 95 |  | 379 |  | 1,740 |  | 811 |  | 2,838 |  | 5,893 |
| Total net (charge-offs) recoveries | — |  | — |  | (6) |  | 95 |  | 358 |  | 1,375 |  | (381) |  | 2,062 |  | 3,503 |
Real estate - construction(1) |  |  |  |  |  |  |  |  |
| Pass | 159,195 |  | 390,993 |  | 243,406 |  | 28,539 |  | 24,421 |  | 93,511 |  | 47,271 |  | — |  | 987,336 |
| Special Mention | — |  | — |  | — |  | — |  | — |  | 21,603 |  | — |  | — |  | 21,603 |
| Substandard or Lower | — |  | — |  | 3,852 |  | 2,274 |  | — |  | 4,272 |  | 203 |  | — |  | 10,601 |
| Total real estate - construction | 159,195 |  | 390,993 |  | 247,258 |  | 30,813 |  | 24,421 |  | 119,386 |  | 47,474 |  | — |  | 1,019,540 |
Real estate - construction(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | 527 |  | — |  | 47 |  | 574 |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | 527 |  | — |  | 47 |  | 574 |
Total |  |  |  |  |  |  |  |
| Pass | $ | 2,081,160 |  | $ | 1,935,863 |  | $ | 1,610,405 |  | $ | 1,154,994 |  | $ | 831,206 |  | $ | 3,308,374 |  | $ | 1,515,897 |  | $ | 925 |  | $ | 12,438,824 |
| Special Mention | 11,500 |  | 74,846 |  | 27,059 |  | 41,882 |  | 21,423 |  | 227,972 |  | 56,995 |  | 250 |  | 461,927 |
| Substandard or Lower | 1,866 |  | 3,457 |  | 39,712 |  | 53,696 |  | 26,193 |  | 113,465 |  | 51,523 |  | 249 |  | 290,161 |
| Total | $ | 2,094,526 |  | $ | 2,014,166 |  | $ | 1,677,176 |  | $ | 1,250,572 |  | $ | 878,822 |  | $ | 3,649,811 |  | $ | 1,624,415 |  | $ | 1,424 |  | $ | 13,190,912 |
(1) Excludes real estate - construction - other. (2) Loans originated in 2022 include $20.4 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 |
|  | (dollars in thousands) | Amortized | Amortized |
| 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Cost Basis | Cost Basis | Total
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) |
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 - 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 |
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 table presents the amortized cost of these loans based on payment activity, by origination year, for the current period:
|  | December 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 - residential mortgage |  |  |  |  |  |  |  |  |
| Performing | $ | 933,903 |  | $ | 1,708,703 |  | $ | 1,054,126 |  | $ | 286,167 |  | $ | 87,455 |  | $ | 620,416 |  | $ | — |  | $ | — |  | $ | 4,690,770 |
| Non-performing | 1,199 |  | 5,104 |  | 6,597 |  | 6,466 |  | 4,587 |  | 22,556 |  | — |  | — |  | 46,509 |
| Total real estate - residential mortgage | 935,102 |  | 1,713,807 |  | 1,060,723 |  | 292,633 |  | 92,042 |  | 642,972 |  | — |  | — |  | 4,737,279 |
Real estate - residential mortgage |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (66) |  | (66) |
| Current period recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | 133 |  | 425 |
| Total net (charge-offs) recoveries | — |  | — |  | 4 |  | — |  | 27 |  | 261 |  | — |  | 67 |  | 359 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Performing | 416,631 |  | 109,724 |  | 80,422 |  | 52,384 |  | 45,642 |  | 211,127 |  | 842,226 |  | 34,061 |  | 1,792,217 |
| Non-performing | 292 |  | 298 |  | 174 |  | 36 |  | 98 |  | 6,512 |  | 1,722 |  | 668 |  | 9,800 |
| Total real estate - home equity | 416,923 |  | 110,022 |  | 80,596 |  | 52,420 |  | 45,740 |  | 217,639 |  | 843,948 |  | 34,729 |  | 1,802,017 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | (587) |  | (70) |  | (108) |  | (16) |  | (442) |  | (178) |  | (3,011) |  | (4,412) |
| Current period recoveries | — |  | 44 |  | 88 |  | 29 |  | 16 |  | 595 |  | 294 |  | 1,515 |  | 2,581 |
| Total net (charge-offs) recoveries | — |  | (543) |  | 18 |  | (79) |  | — |  | 153 |  | 116 |  | (1,496) |  | (1,831) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 164,924 |  | 73,492 |  | 10,892 |  | — |  | 1,077 |  | — |  | — |  | — |  | 250,385 |
| Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 164,924 |  | 73,492 |  | 10,892 |  | — |  | 1,077 |  | — |  | — |  | — |  | 250,385 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Current period recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total net (charge-offs) recoveries | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Equipment lease financing and other |  |  |  |  |  |  |  |  |
| Performing | 146,198 |  | 39,427 |  | 40,024 |  | 29,309 |  | 15,019 |  | 15,670 |  | — |  | — |  | 285,647 |
| Non-performing | — |  | — |  | — |  | — |  | — |  | 13,307 |  | — |  | — |  | 13,307 |
| Total leasing and other | 146,198 |  | 39,427 |  | 40,024 |  | 29,309 |  | 15,019 |  | 28,977 |  | — |  | — |  | 298,954 |
Equipment lease financing and other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | (506) |  | (167) |  | (140) |  | (80) |  | (47) |  | (1,191) |  | — |  | — |  | (2,131) |
| Current period recoveries | 63 |  | 18 |  | 82 |  | 25 |  | 10 |  | 268 |  | — |  | 293 |  | 759 |
| Total net (charge-offs) recoveries | (443) |  | (149) |  | (58) |  | (55) |  | (37) |  | (923) |  | — |  | 293 |  | (1,372) |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,661,656 |  | $ | 1,931,346 |  | $ | 1,185,464 |  | $ | 367,860 |  | $ | 149,193 |  | $ | 847,213 |  | $ | 842,226 |  | $ | 34,061 |  | $ | 7,019,019 |
| Non-performing | 1,491 |  | 5,402 |  | 6,771 |  | 6,502 |  | 4,685 |  | 42,375 |  | 1,722 |  | 668 |  | 69,616 |
| Total | $ | 1,663,147 |  | $ | 1,936,748 |  | $ | 1,192,235 |  | $ | 374,362 |  | $ | 153,878 |  | $ | 889,588 |  | $ | 843,948 |  | $ | 34,729 |  | $ | 7,088,635 |
|  | 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 - 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 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 |
| Non-performing | 122 |  | 101 |  | 60 |  | 51 |  | 314 |  | 2,348 |  | 8,512 |  | 198 |  | 11,706 |
| Total real estate - home equity | 162,563 |  | 103,019 |  | 73,829 |  | 68,615 |  | 33,568 |  | 137,760 |  | 999,354 |  | 4,197 |  | 1,582,905 |
Consumer 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) |
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 | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
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) |
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 |
Non-Performing Assets | The following table presents non-performing assets:
| December 31, 2022 |  | December 31, 2021
| (dollars in thousands)
Non-accrual loans | $ | 144,443 |  |  | $ | 143,666 |
Loans 90 days or more past due and still accruing(1) | 27,463 |  |  | 8,453 |
Total non-performing loans | 171,906 |  |  | 152,119 |
OREO(2) | 5,790 |  |  | 1,817 |
Total non-performing assets | $ | 177,696 |  |  | $ | 153,936 |
(1) Excludes PPP loans which are fully guaranteed by the federal government of $7.7 million as of December 31, 2022. (2) Excludes $6.0 million of residential mortgage properties for which formal foreclosure proceedings were in process as of December 31, 2022.
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
| (dollars in thousands)
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 10,753 |  |  | $ | 4,644 |  |  | $ | 2,473 |  |  | $ | 70,161 |  |  | $ | 7,605,804 |  |  | $ | 7,693,835 |
Commercial and industrial(1) | 6,067 |  |  | 2,289 |  |  | 1,172 |  |  | 27,116 |  |  | 4,440,893 |  |  | 4,477,537 |
Real estate – residential mortgage | 57,061 |  |  | 8,209 |  |  | 20,215 |  |  | 26,294 |  |  | 4,625,500 |  |  | 4,737,279 |
Real estate – home equity | 5,666 |  |  | 2,444 |  |  | 2,704 |  |  | 6,105 |  |  | 1,085,919 |  |  | 1,102,838 |
Real estate – construction | 1,762 |  |  | 1,758 |  |  | — |  |  | 1,368 |  |  | 1,265,037 |  |  | 1,269,925 |
Consumer | 6,692 |  |  | 1,339 |  |  | 899 |  |  | 92 |  |  | 690,157 |  |  | 699,179 |
Equipment lease financing and other | 348 |  |  | 122 |  |  | — |  |  | 13,307 |  |  | 285,177 |  |  | 298,954 |
Total | $ | 88,349 |  |  | $ | 20,805 |  |  | $ | 27,463 |  |  | $ | 144,443 |  |  | $ | 19,998,487 |  |  | $ | 20,279,547 |
(1) Excludes delinquent PPP loans 30-59 days past due, 60-89 days and 90 days or more pa st due of $0.1 million, $0.7 million and $7.7 million, re spectively, which are fully guaranteed by the federal government.
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | ≥ 90 Days Past Due and Accruing |  | Non- accrual |  | Current |  | Total
| (dollars 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 for the years ended December 31:
| 2022 |  | 2021
| (dollars in thousands)
Real estate - commercial mortgage | $ | 3,255 |  |  | $ | 3,464 |
Commercial and industrial | 1,809 |  |  | 1,857 |
Real estate - residential mortgage | 13,804 |  |  | 11,948 |
Real estate - home equity | 10,717 |  |  | 12,218 |
Consumer | — |  |  | 5 |
Total accruing TDRs | 29,585 |  |  | 29,492 |
Non-accrual TDRs(1) | 31,853 |  |  | 55,945 |
Total TDRs | $ | 61,438 |  |  | $ | 85,437 |
(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:
| 2022 |  | 2021 |  | 2020
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 | 1 |  |  | $ | 150 |  |  | 9 |  |  | $ | 16,020 |  |  | 12 |  |  | $ | 24,868 |
Commercial and industrial | 1 |  |  | 82 |  |  | 10 |  |  | 2,823 |  |  | 20 |  |  | 5,218 |
Real estate - residential mortgage | 5 |  |  | 293 |  |  | 46 |  |  | 13,256 |  |  | 48 |  |  | 10,493 |
Real estate - home equity | 5 |  |  | 329 |  |  | 30 |  |  | 1,226 |  |  | 48 |  |  | 4,359 |
Real estate - construction | — |  |  | — |  |  | 1 |  |  | 154 |  |  | — |  |  | — |
Consumer | 13 |  |  | 792 |  |  | — |  |  | — |  |  | 14 |  |  | 345 |
Total | 25 |  |  | $ | 1,646 |  |  | 96 |  |  | $ | 33,479 |  |  | 142 |  |  | $ | 45,283 |

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