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v3.23.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Receivables [Abstract] |
Summary of Gross Loans by Type | Loans and leases, net of unearned income are summarized as follows:
| March 31, 2023 |  | December 31, 2022
| (dollars in thousands)
Real estate - commercial mortgage | $ | 7,746,920 |  |  | $ | 7,693,835 |
Commercial and industrial | 4,600,696 |  |  | 4,477,537 |
Real-estate - residential mortgage | 4,880,919 |  |  | 4,737,279 |
Real-estate - home equity | 1,074,712 |  |  | 1,102,838 |
Real-estate - construction | 1,326,754 |  |  | 1,269,925 |
Consumer | 730,775 |  |  | 699,179 |
Leases and other loans | 340,595 |  |  | 328,331 |
Gross loans | 20,701,371 |  |  | 20,308,924 |
Unearned income | (31,183) |  |  | (29,377) |
Net loans | $ | 20,670,188 |  |  | $ | 20,279,547 |
Schedule of Allowance for Credit Losses | :
| March 31, 2023 |  | December 31, 2022
| (dollars in thousands)
ACL - loans | $ | 278,695 |  |  | $ | 269,366 |
Reserve for OBS credit exposures(1) | $ | 17,539 |  |  | $ | 16,328 |
(1) Included in other liabilities on the consolidated balance sheets.
Activity in the Allowance for Credit Losses | :
| Three months ended March 31 |
| 2023 |  | 2022 |  |  |  |
| (dollars in thousands) |  |  |  |
Balance at beginning of period | $ | 269,366 |  |  | $ | 249,001 |  |  |  |  |
Loans charged off | (16,903) |  |  | (1,900) |  |  |  |  |
Recoveries of loans previously charged off | 2,899 |  |  | 2,954 |  |  |  |  |
Net loans (charged-off) recovered | (14,004) |  |  | 1,054 |  |  |  |  |
Provision for credit losses | 23,333 |  |  | (6,350) |  |  |  |  |
Balance at end of period | $ | 278,695 |  |  | $ | 243,705 |  |  |  |  |
Provision for OBS credit exposures | $ | 1,211 |  |  | $ | (600) |  |  |  |  |
Reserve for OBS credit exposures | $ | 17,539 |  |  | $ | 13,933 |  |  |  |  |
The following table presents the activity in the ACL by portfolio segment:
| Real Estate Commercial Mortgage |  | Commercial and Industrial |  | Real Estate Residential Mortgage |  | Consumer and Home Equity |  | Real Estate Construction |  | Leases and other loans |  | Total
| (dollars in thousands)
Three months ended March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2022 | $ | 69,456 |  |  | $ | 70,116 |  |  | $ | 83,250 |  |  | $ | 26,429 |  |  | $ | 10,743 |  |  | $ | 9,372 |  |  | $ | 269,366 |
Loans charged off | (13,362) |  |  | (612) |  |  | — |  |  | (2,206) |  |  | — |  |  | (723) |  |  | (16,903) |
Recoveries of loans previously charged off | 786 |  |  | 1,086 |  |  | 48 |  |  | 661 |  |  | 202 |  |  | 116 |  |  | 2,899 |
Net loans (charged off) recovered | (12,576) |  |  | 474 |  |  | 48 |  |  | (1,545) |  |  | 202 |  |  | (607) |  |  | (14,004) |
Provision for loan losses(1) | 9,376 |  |  | 6,536 |  |  | 2,911 |  |  | 2,419 |  |  | 701 |  |  | 1,390 |  |  | 23,333 |
Balance at March 31, 2023 | $ | 66,256 |  |  | $ | 77,126 |  |  | $ | 86,209 |  |  | $ | 27,303 |  |  | $ | 11,646 |  |  | $ | 10,155 |  |  | $ | 278,695 |
Three months ended March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 87,970 |  |  | $ | 67,056 |  |  | $ | 54,236 |  |  | $ | 19,749 |  |  | $ | 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 |  |  | 222 |  |  | 454 |  |  | 32 |  |  | 154 |  |  | 2,954 |
Net loans (charged off) recovered | (40) |  |  | 1,753 |  |  | 222 |  |  | (598) |  |  | 32 |  |  | (315) |  |  | 1,054 |
Provision for loan and lease losses(1) | (8,077) |  |  | (2,298) |  |  | 1,434 |  |  | 1,062 |  |  | 330 |  |  | 1,199 |  |  | (6,350) |
Balance at March 31, 2022 | $ | 79,853 |  |  | $ | 66,511 |  |  | $ | 55,892 |  |  | $ | 20,213 |  |  | $ | 13,303 |  |  | $ | 7,933 |  |  | $ | 243,705 |
(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, 2023 |  | December 31, 2022
| 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 | $ | 18,878 |  |  | $ | 39,531 |  |  | $ | 58,409 |  |  | $ | 39,722 |  |  | $ | 30,439 |  |  | $ | 70,161 |
Commercial and industrial | 16,090 |  |  | 15,789 |  |  | 31,879 |  |  | 14,804 |  |  | 12,312 |  |  | 27,116 |
Real estate - residential mortgage | 23,450 |  |  | 977 |  |  | 24,427 |  |  | 25,315 |  |  | 979 |  |  | 26,294 |
Real estate - home equity | 5,912 |  |  | 122 |  |  | 6,034 |  |  | 5,975 |  |  | 130 |  |  | 6,105 |
Real estate - construction | 831 |  |  | 447 |  |  | 1,278 |  |  | 866 |  |  | 502 |  |  | 1,368 |
Consumer | 25 |  |  | — |  |  | 25 |  |  | 92 |  |  | — |  |  | 92 |
Leases and other loans | 2,995 |  |  | 9,256 |  |  | 12,251 |  |  | 4,052 |  |  | 9,255 |  |  | 13,307 |
| $ | 68,181 |  |  | $ | 66,122 |  |  | $ | 134,303 |  |  | $ | 90,826 |  |  | $ | 53,617 |  |  | $ | 144,443 |
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, 2023
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (in thousands) | Amortized | Amortized |
| 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Cost Basis | Cost Basis | Total
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Pass | $ | 173,387 |  | $ | 1,015,881 |  | $ | 1,077,823 |  | $ | 943,188 |  | $ | 799,374 |  | $ | 3,170,784 |  | $ | 73,033 |  | $ | 305 |  | $ | 7,253,775 |
| Special Mention | — |  | 14,438 |  | 65,362 |  | 19,804 |  | 34,352 |  | 169,568 |  | 2,728 |  | — |  | 306,252 |
| Substandard or Lower | — |  | 2,668 |  | 19,190 |  | 48,655 |  | 24,531 |  | 91,606 |  | 243 |  | — |  | 186,893 |
| Total real estate - commercial mortgage | 173,387 |  | 1,032,987 |  | 1,162,375 |  | 1,011,647 |  | 858,257 |  | 3,431,958 |  | 76,004 |  | 305 |  | 7,746,920 |
Real estate - commercial mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (30) |  | — |  | (13,332) |  | (13,362) |
Commercial and industrial(1) |  |  |  |  |  |  |  |
| Pass | 379,383 |  | 689,276 |  | 444,738 |  | 379,630 |  | 301,392 |  | 748,118 |  | 1,394,101 |  | 6,517 |  | 4,343,155 |
| Special Mention | 150 |  | 17,426 |  | 16,457 |  | 4,958 |  | 9,500 |  | 31,125 |  | 65,596 |  | 243 |  | 145,455 |
| Substandard or Lower | 206 |  | 1,259 |  | 754 |  | 4,001 |  | 13,042 |  | 22,863 |  | 69,675 |  | 286 |  | 112,086 |
| Total commercial and industrial | 379,739 |  | 707,961 |  | 461,949 |  | 388,589 |  | 323,934 |  | 802,106 |  | 1,529,372 |  | 7,046 |  | 4,600,696 |
Commercial and industrial(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | (53) |  | (559) |  | (612) |
Real estate - construction(2) |  |  |  |  |  |  |  |  |
| Pass | 49,829 |  | 165,351 |  | 425,549 |  | 218,594 |  | 23,387 |  | 103,958 |  | 39,917 |  | — |  | 1,026,585 |
| Special Mention | — |  | 1,218 |  | — |  | — |  | — |  | 29,283 |  | — |  | — |  | 30,501 |
| Substandard or Lower | — |  | 305 |  | 2,079 |  | — |  | 2,238 |  | 4,148 |  | 2,284 |  | — |  | 11,054 |
| Total real estate - construction | 49,829 |  | 166,874 |  | 427,628 |  | 218,594 |  | 25,625 |  | 137,389 |  | 42,201 |  | — |  | 1,068,140 |
Real estate - construction(2) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |
| Pass | $ | 602,599 |  | $ | 1,870,508 |  | $ | 1,948,110 |  | $ | 1,541,412 |  | $ | 1,124,153 |  | $ | 4,022,860 |  | $ | 1,507,051 |  | $ | 6,822 |  | $ | 12,623,515 |
| Special Mention | 150 |  | 33,082 |  | 81,819 |  | 24,762 |  | 43,852 |  | 229,976 |  | 68,324 |  | 243 |  | 482,208 |
| Substandard or Lower | 206 |  | 4,232 |  | 22,023 |  | 52,656 |  | 39,811 |  | 118,617 |  | 72,202 |  | 286 |  | 310,033 |
| Total | $ | 602,955 |  | $ | 1,907,822 |  | $ | 2,051,952 |  | $ | 1,618,830 |  | $ | 1,207,816 |  | $ | 4,371,453 |  | $ | 1,647,577 |  | $ | 7,351 |  | $ | 13,415,756 |
(1) Loans originated in 2021 and 2020 include $9.8 million of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. (2) Excludes real estate - construction - other. The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the prior 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) |
Commercial and industrial(1) |  |  |  |  |  |  |  |
| 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(1) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | (36) |  | — |  | (21) |  | (365) |  | (1,192) |  | (776) |  | (2,390) |
Real estate - construction(2) |  |  |  |  |  |  |  |
| 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(2) |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
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) Loans originated in 2021 and 2020 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. (2) Excludes real estate - construction - other. The following tables present the amortized cost of these loans based on payment activity, by origination year, for the periods shown:
|  | March 31, 2023
|  | Term Loans Amortized Cost Basis by Origination Year | Revolving Loans | Revolving Loans converted to Term Loans |
|  | (dollars in thousands) | Amortized | Amortized |
|  | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Cost Basis | Cost Basis | Total
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Performing | $ | 139,551 |  | $ | 961,137 |  | $ | 1,732,158 |  | $ | 1,041,054 |  | $ | 282,030 |  | $ | 678,413 |  | $ | — |  | $ | — |  | $ | 4,834,343 |
| Nonperforming | — |  | 706 |  | 6,089 |  | 7,630 |  | 5,335 |  | 26,816 |  | — |  | — |  | 46,576 |
| Total real estate - residential mortgage | 139,551 |  | 961,843 |  | 1,738,247 |  | 1,048,684 |  | 287,365 |  | 705,229 |  | — |  | — |  | 4,880,919 |
Real estate - residential mortgage |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Performing | 148,247 |  | 309,812 |  | 95,136 |  | 66,377 |  | 49,877 |  | 162,289 |  | 947,347 |  | 17,419 |  | 1,796,504 |
| Nonperforming | — |  | 204 |  | 155 |  | 67 |  | 31 |  | 2,013 |  | 6,460 |  | 53 |  | 8,983 |
| Total consumer and real estate - home equity | 148,247 |  | 310,016 |  | 95,291 |  | 66,444 |  | 49,908 |  | 164,302 |  | 953,807 |  | 17,472 |  | 1,805,487 |
Consumer and real estate - home equity |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | (325) |  | — |  | (1,881) |  | (2,206) |
Leases and other loans |  |  |  |  |  |  |  |
| Performing | 75,403 |  | 99,125 |  | 36,559 |  | 32,785 |  | 25,955 |  | 26,891 |  | — |  | — |  | 296,718 |
| Nonperforming | — |  | 443 |  | — |  | — |  | — |  | 12,251 |  | — |  | — |  | 12,694 |
| Leases and other loans | 75,403 |  | 99,568 |  | 36,559 |  | 32,785 |  | 25,955 |  | 39,142 |  | — |  | — |  | 309,412 |
Leases and other loans |  |  |  |  |  |  |  |
| Current period gross charge-offs | (59) |  | (251) |  | (60) |  | (45) |  | (21) |  | (287) |  | — |  | — |  | (723) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 8,997 |  | 202,286 |  | 38,473 |  | 8,858 |  | — |  | — |  | — |  | — |  | 258,614 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 8,997 |  | 202,286 |  | 38,473 |  | 8,858 |  | — |  | — |  | — |  | — |  | 258,614 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 372,198 |  | $ | 1,572,360 |  | $ | 1,902,326 |  | $ | 1,149,074 |  | $ | 357,862 |  | $ | 867,593 |  | $ | 947,347 |  | $ | 17,419 |  | $ | 7,186,179 |
| Nonperforming | — |  | 1,353 |  | 6,244 |  | 7,697 |  | 5,366 |  | 41,080 |  | 6,460 |  | 53 |  | 68,253 |
| Total | $ | 372,198 |  | $ | 1,573,713 |  | $ | 1,908,570 |  | $ | 1,156,771 |  | $ | 363,228 |  | $ | 908,673 |  | $ | 953,807 |  | $ | 17,472 |  | $ | 7,254,432 |
|  | 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 |
| Nonperforming | 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) |
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 |
| Nonperforming | 292 |  | 298 |  | 174 |  | 36 |  | 98 |  | 6,512 |  | 1,722 |  | 668 |  | 9,800 |
| Total consumer and 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) |
Construction - other |  |  |  |  |  |  |  |  |
| Performing | 164,924 |  | 73,492 |  | 10,892 |  | — |  | 1,077 |  | — |  | — |  | — |  | 250,385 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
| Total construction - other | 164,924 |  | 73,492 |  | 10,892 |  | — |  | 1,077 |  | — |  | — |  | — |  | 250,385 |
Construction - other |  |  |  |  |  |  |  |  |
| Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Leases and other loans |  |  |  |  |  |  |  |
| Performing | 146,198 |  | 39,427 |  | 40,024 |  | 29,309 |  | 15,019 |  | 15,670 |  | — |  | — |  | 285,647 |
| Nonperforming | — |  | — |  | — |  | — |  | — |  | 13,307 |  | — |  | — |  | 13,307 |
| Leases and other loans | 146,198 |  | 39,427 |  | 40,024 |  | 29,309 |  | 15,019 |  | 28,977 |  | — |  | — |  | 298,954 |
Leases and other loans |  |  |  |  |  |  |  |
| Current period gross charge-offs | (506) |  | (167) |  | (140) |  | (80) |  | (47) |  | (1,191) |  | — |  | — |  | (2,131) |
Total |  |  |  |  |  |  |  |  |
| Performing | $ | 1,661,656 |  | $ | 1,931,346 |  | $ | 1,185,464 |  | $ | 367,860 |  | $ | 149,193 |  | $ | 847,213 |  | $ | 842,226 |  | $ | 34,061 |  | $ | 7,019,019 |
| Nonperforming | 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 |
Non-Performing Assets | The following table presents non-performing assets:
| March 31, 2023 |  | December 31, 2022
| (dollars in thousands)
Non-accrual loans | $ | 134,303 |  |  | $ | 144,443 |
Loans 90 days or more past due and still accruing(1) | 30,336 |  |  | 27,463 |
Total non-performing loans | 164,639 |  |  | 171,906 |
OREO(2) | 3,304 |  |  | 5,790 |
Total non-performing assets | $ | 167,943 |  |  | $ | 177,696 |
(1) Excludes PPP loans which are fully guaranteed by the federal government of $1.6 million and $7.7 million as of March 31, 2023 and December 31, 2022, respectively. (2) Excludes $9.6 million and $6.0 million of residential mortgage properties for which formal foreclosure proceedings were in process as of March 31, 2023 and December 31, 2022, 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
| (dollars in thousands)
March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – commercial mortgage | $ | 19,251 |  |  | $ | 1,887 |  |  | $ | 2,913 |  |  |  |  | $ | 58,409 |  |  | $ | 7,664,460 |  |  | $ | 7,746,920 |
Commercial and industrial(1) | 6,428 |  |  | 1,279 |  |  | 1,676 |  |  |  |  | 31,879 |  |  | 4,559,434 |  |  | 4,600,696 |
Real estate – residential mortgage | 34,483 |  |  | 5,779 |  |  | 22,149 |  |  |  |  | 24,427 |  |  | 4,794,081 |  |  | 4,880,919 |
Real estate – home equity | 6,442 |  |  | 2,441 |  |  | 2,316 |  |  |  |  | 6,034 |  |  | 1,057,479 |  |  | 1,074,712 |
Real estate – construction | 13,074 |  |  | 751 |  |  | 231 |  |  |  |  | 1,278 |  |  | 1,311,420 |  |  | 1,326,754 |
Consumer | 5,840 |  |  | 1,400 |  |  | 608 |  |  |  |  | 25 |  |  | 722,902 |  |  | 730,775 |
Leases and other loans(2) | 871 |  |  | 64 |  |  | 443 |  |  |  |  | 12,251 |  |  | 295,783 |  |  | 309,412 |
Total | $ | 86,389 |  |  | $ | 13,601 |  |  | $ | 30,336 |  |  |  |  | $ | 134,303 |  |  | $ | 20,405,559 |  |  | $ | 20,670,188 |
(1) Excludes delinquent PPP loans 30-59 days past due, 60-89 days past due and 90 days or more past due of $1.2 million, $0.1 million and $1.6 million, respectively, which are fully guaranteed by the federal government and are classified as current. (2) Includes unearned income.
| 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, 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 |
Leases and other loans(2) | 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 past due and 90 days or more past due of $0.1 million, $0.7 million and $7.7 million, respectively, which are fully guaranteed by the federal government and are classified as current. (2) Includes unearned income.
Financing Receivables, Loan Modifications | The following table presents the amortized cost basis during the three months ended March 31, 2023 of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
| Term Extension
| Three months ended March 31, 2023 |  |  |  |  |  |
| Amortization Cost Basis |  | % of Class of Financing Receivable |  |  |  |  |  |  |  |  |  |  |  |
| (dollars in thousands)
Real estate - commercial mortgage | $ | 1,426 |  |  | 0.02 | % |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 6,227 |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - residential mortgage | 1,182 |  |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |
Total | $ | 8,835 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The following table presents the financial effect of the modifications made to borrowers experiencing financial difficulty as of March 31, 2023.
| Term Extension
| Financial Effect
Real estate - commercial mortgage | Added a weighted-average 1.91 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Commercial and industrial | Added a weighted-average 0.77 years to the life of loans, which reduced monthly payment amounts for the borrowers.
Real estate - residential mortgage | Added a weighted-average 3.51 years to the life of loans, which reduced monthly payment amounts for the borrowers.
The following table presents the performance of loans that have been modified in the last three months as of March 31, 2023.
|  |  | 30-89 |  | 90+ |  | Total
|  |  | Days Past |  | Past Due |  | Past
| Current |  | Due |  | and Accruing |  | Due
| (dollars in thousands)
Real estate - commercial mortgage | $ | 1,426 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial | 6,227 |  |  | — |  |  | — |  |  | — |
Real estate - residential mortgage | 1,182 |  |  | — |  |  | — |  |  | — |
Total | $ | 8,835 |  |  | $ | — |  |  | $ | — |  |  | $ | — |

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