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Allowance for Credit Losses | 9 Months Ended
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Sep. 30, 2021
Allowance for Credit Losses |
Allowance for Credit Losses | 4. Allowance for Credit Losses ​ The Company maintains the allowance for credit losses for loans and leases (the “ACL”) that is deducted from the amortized cost basis of loans and leases to present the net carrying value of loans and leases expected to be collected. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the reported amount of loans and leases. ​ The Company also maintains an estimated reserve for unfunded commitments on the unaudited interim consolidated balance sheets. The reserve for unfunded commitments is reduced in the period in which the off-balance sheet financial instruments expire, loan funding occurs, or is otherwise settled. ​ In response to the COVID-19 pandemic, on March 27, 2020, the CARES Act was signed into law. The CARES Act creates a forbearance program for federally backed mortgage loans, protects borrowers from negative credit reporting due to loan accommodations related to the National Emergency, and provides financial institutions the option to temporarily suspend certain requirements under GAAP related to troubled debt restructurings (“TDRs”) for a limited period of time to account for the effects of COVID-19. Financial institutions accounting for eligible loans under the CARES Act are not required to report such loans as TDRs in accordance with GAAP. In addition, Interagency Statements were issued on March 22, 2020 and April 7, 2020 to encourage financial institutions to work prudently with borrowers and to describe the agencies’ interpretation of how current accounting rules under GAAP apply to certain COVID-19 related modifications. The agencies confirmed with the FASB that short-term modifications (e.g., six months or less) for payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that are insignificant and made on a good faith basis in response to borrowers impacted by COVID-19 who were current prior to any relief are not TDRs under GAAP. The agencies also confirmed that these short-term modifications should not be reported as being on nonaccrual status and should not be considered past due during the period of the deferral. The Company has adopted the provisions of both the CARES Act and Interagency Statements. The Company is first applying the CARES Act guidance in determining if certain loan modifications are not required to be reported as TDRs. If the loan modification does not qualify under the CARES Act, then the Interagency Statement guidance is applied. On December 27, 2020, the Consolidated Appropriations Act – 2021 (the “CAA”) was signed into law, which extends the temporary relief from the accounting and disclosure requirements for TDRs. To qualify for TDR accounting and disclosure relief under the CARES Act, as amended by the CAA, the applicable loan must not have been more than 30 days past due as of December 31, 2019, and the modification must be executed during the period beginning on March 1, 2020, and ending on the earlier of January 1, 2022, or the date that is 60 days after the termination date of the national emergency declared by the President on March 13, 2020, under the National Emergencies Act related to the outbreak of COVID-19. The interim consolidated financial information below reflects the application of this guidance. ​ Rollforward of the Allowance for Credit Losses ​ The following presents the activity in the ACL by class of loans and leases for the three and nine months ended September 30, 2021 and 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2021 | ​
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total |
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 23,063 | ​ | $ | 47,033 | ​ | $ | 10,152 | ​ | $ | 3,067 | ​ | $ | 34,208 | ​ | $ | 6,250 | ​ | $ | 45,375 | ​ | $ | 169,148 | ​
Charge-offs | ​ | ​ | (224) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (235) | ​ | ​ | (2,926) | ​ | ​ | (3,385) | ​
Recoveries | ​ | ​ | 121 | ​ | ​ | 15 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 215 | ​ | ​ | 27 | ​ | ​ | 2,405 | ​ | ​ | 2,783 | ​
Increase (decrease) in Provision | ​ | ​ | 796 | ​ | ​ | (3,449) | ​ | ​ | (398) | ​ | ​ | (833) | ​ | ​ | (655) | ​ | ​ | (325) | ​ | ​ | (2,436) | ​ | ​ | (7,300) | ​
Balance at end of period | ​ | $ | 23,756 | ​ | $ | 43,599 | ​ | $ | 9,754 | ​ | $ | 2,234 | ​ | $ | 33,768 | ​ | $ | 5,717 | ​ | $ | 42,418 | ​ | $ | 161,246 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2021
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 24,711 | ​ | $ | 58,123 | ​ | $ | 10,039 | ​ | $ | 3,298 | ​ | $ | 40,461 | ​ | $ | 7,163 | ​ | $ | 64,659 | ​ | $ | 208,454
Charge-offs | ​ | ​ | (1,517) | ​ | ​ | (66) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (98) | ​ | ​ | (235) | ​ | ​ | (13,384) | ​ | ​ | (15,300)
Recoveries | ​ | ​ | 623 | ​ | ​ | 30 | ​ | ​ | 166 | ​ | ​ | — | ​ | ​ | 246 | ​ | ​ | 89 | ​ | ​ | 7,857 | ​ | ​ | 9,011
Decrease in Provision | ​ | ​ | (61) | ​ | ​ | (14,488) | ​ | ​ | (451) | ​ | ​ | (1,064) | ​ | ​ | (6,841) | ​ | ​ | (1,300) | ​ | ​ | (16,714) | ​ | ​ | (40,919)
Balance at end of period | ​ | $ | 23,756 | ​ | $ | 43,599 | ​ | $ | 9,754 | ​ | $ | 2,234 | ​ | $ | 33,768 | ​ | $ | 5,717 | ​ | $ | 42,418 | ​ | $ | 161,246
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2020
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 21,299 | ​ | $ | 53,122 | ​ | $ | 5,276 | ​ | $ | 3,837 | ​ | $ | 33,874 | ​ | $ | 7,635 | ​ | $ | 67,077 | ​ | $ | 192,120
Charge-offs | ​ | ​ | (598) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (4,238) | ​ | ​ | (4,836)
Recoveries | ​ | ​ | 1,699 | ​ | ​ | — | ​ | ​ | 30 | ​ | ​ | — | ​ | ​ | 27 | ​ | ​ | 16 | ​ | ​ | 3,148 | ​ | ​ | 4,920
Increase (decrease) in Provision | ​ | ​ | (1,129) | ​ | ​ | (1,389) | ​ | ​ | (372) | ​ | ​ | 214 | ​ | ​ | 8,316 | ​ | ​ | (50) | ​ | ​ | (1,918) | ​ | ​ | 3,672
Balance at end of period | ​ | $ | 21,271 | ​ | $ | 51,733 | ​ | $ | 4,934 | ​ | $ | 4,051 | ​ | $ | 42,217 | ​ | $ | 7,601 | ​ | $ | 64,069 | ​ | $ | 195,876
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2020
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 28,975 | ​ | $ | 22,325 | ​ | $ | 4,844 | ​ | $ | 424 | ​ | $ | 29,303 | ​ | $ | 9,876 | ​ | $ | 34,644 | ​ | $ | 139 | ​ | $ | 130,530
Adoption of ASU No. 2016-13 | ​ | ​ | (16,105) | ​ | ​ | 10,559 | ​ | ​ | (1,803) | ​ | ​ | 207 | ​ | ​ | (2,793) | ​ | ​ | (4,731) | ​ | ​ | 15,575 | ​ | ​ | (139) | ​ | ​ | 770
Charge-offs | ​ | ​ | (14,773) | ​ | ​ | (2,723) | ​ | ​ | (379) | ​ | ​ | — | ​ | ​ | (14) | ​ | ​ | (8) | ​ | ​ | (21,742) | ​ | ​ | — | ​ | ​ | (39,639)
Recoveries | ​ | ​ | 2,019 | ​ | ​ | — | ​ | ​ | 170 | ​ | ​ | — | ​ | ​ | 179 | ​ | ​ | 146 | ​ | ​ | 7,687 | ​ | ​ | — | ​ | ​ | 10,201
Increase in Provision | ​ | ​ | 21,155 | ​ | ​ | 21,572 | ​ | ​ | 2,102 | ​ | ​ | 3,420 | ​ | ​ | 15,542 | ​ | ​ | 2,318 | ​ | ​ | 27,905 | ​ | ​ | — | ​ | ​ | 94,014
Balance at end of period | ​ | $ | 21,271 | ​ | $ | 51,733 | ​ | $ | 4,934 | ​ | $ | 4,051 | ​ | $ | 42,217 | ​ | $ | 7,601 | ​ | $ | 64,069 | ​ | $ | — | ​ | $ | 195,876
​ Rollforward of the Reserve for Unfunded Commitments ​ The following presents the activity in the Reserve for Unfunded Commitments for the three and nine months ended September 30, 2021: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2021
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 12,808 | ​ | $ | 978 | ​ | $ | 7,873 | ​ | $ | — | ​ | $ | — | ​ | $ | 7,521 | ​ | $ | 42 | ​ | $ | 29,222
Increase in Provision | ​ | ​ | 446 | ​ | ​ | 255 | ​ | ​ | 902 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,669 | ​ | ​ | 28 | ​ | ​ | 3,300
Balance at end of period | ​ | $ | 13,254 | ​ | $ | 1,233 | ​ | $ | 8,775 | ​ | $ | — | ​ | $ | — | ​ | $ | 9,190 | ​ | $ | 70 | ​ | $ | 32,522
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2021
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 11,719 | ​ | $ | 1,328 | ​ | $ | 9,037 | ​ | $ | — | ​ | $ | 2 | ​ | $ | 8,452 | ​ | $ | 65 | ​ | $ | 30,603
Increase (decrease) in Provision | ​ | ​ | 1,535 | ​ | ​ | (95) | ​ | ​ | (262) | ​ | ​ | — | ​ | ​ | (2) | ​ | ​ | 738 | ​ | ​ | 5 | ​ | ​ | 1,919
Balance at end of period | ​ | $ | 13,254 | ​ | $ | 1,233 | ​ | $ | 8,775 | ​ | $ | — | ​ | $ | — | ​ | $ | 9,190 | ​ | $ | 70 | ​ | $ | 32,522
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2020
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 8,181 | ​ | $ | 1,168 | ​ | $ | 5,908 | ​ | $ | — | ​ | $ | 3 | ​ | $ | 7,890 | ​ | $ | 54 | ​ | $ | 23,204
Increase in Provision | ​ | ​ | 1,212 | ​ | ​ | (57) | ​ | ​ | (749) | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 996 | ​ | ​ | (3) | ​ | ​ | 1,400
Balance at end of period | ​ | $ | 9,393 | ​ | $ | 1,111 | ​ | $ | 5,159 | ​ | $ | — | ​ | $ | 4 | ​ | $ | 8,886 | ​ | $ | 51 | ​ | $ | 24,604
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2020
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 600 | ​ | $ | 600
Adoption of ASU No. 2016-13 | ​ | ​ | 5,390 | ​ | ​ | 778 | ​ | ​ | 4,119 | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | 6,587 | ​ | ​ | (581) | ​ | ​ | 16,300
Increase (decrease) in Provision | ​ | ​ | 4,003 | ​ | ​ | 333 | ​ | ​ | 1,040 | ​ | ​ | — | ​ | ​ | (3) | ​ | ​ | 2,299 | ​ | ​ | 32 | ​ | ​ | 7,704
Balance at end of period | ​ | $ | 9,393 | ​ | $ | 1,111 | ​ | $ | 5,159 | ​ | $ | — | ​ | $ | 4 | ​ | $ | 8,886 | ​ | $ | 51 | ​ | $ | 24,604
​ Credit Quality Information ​ The Company performs an internal loan review and grading or scoring procedures on an ongoing basis. The review provides management with periodic information as to the quality of the loan portfolio and effectiveness of the Company’s lending policies and procedures. The objective of the loan review and grading or scoring procedures is to identify, in a timely manner, existing or emerging credit quality issues so that appropriate steps can be initiated to avoid or minimize future losses. ​ Loans and leases subject to grading primarily include: commercial and industrial loans, commercial real estate loans, construction loans and lease financing. Other loans subject to grading include installment loans to businesses or individuals for business and commercial purposes, overdraft lines of credit, commercial credit cards, and other credits as may be determined. Credit quality indicators for internally graded loans and leases are generally updated on an annual basis or on a quarterly basis for those loans and leases deemed to be of potentially higher risk. ​ An internal credit risk rating system is used to determine loan grade and is based on borrower credit risk and transactional risk. The loan grading process is a mechanism used to determine the risk of a particular borrower and is based on the following factors of a borrower: character, earnings and operating cash flow, asset and liability structure, debt capacity, management and controls, borrowing entity, and industry and operating environment. ​ Pass – “Pass” (uncriticized) loans and leases, are not considered to carry greater than normal risk. The borrower has the apparent ability to satisfy obligations to the Company, and therefore no loss in ultimate collection is anticipated. ​ Special Mention – Loans and leases that have potential weaknesses deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for assets or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. ​ Substandard – Loans and leases that are inadequately protected by the current financial condition and paying capacity of the obligor or by any collateral pledged. Loans and leases so classified must have a well-defined weakness or weaknesses that jeopardize the collection of the debt. They are characterized by the distinct possibility that the bank may sustain some loss if the deficiencies are not corrected. ​ Doubtful – Loans and leases that have weaknesses found in substandard borrowers with the added provision that the weaknesses make collection of debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. ​ Loss – Loans and leases classified as loss are considered uncollectible and of such little value that their continuance as an asset is not warranted. This classification does not mean that the loan or lease has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. ​ Loans that are primarily monitored for credit quality using FICO scores include: residential mortgage loans, home equity lines and consumer loans. FICO scores are calculated primarily based on a consideration of payment history, the current amount of debt, the length of credit history available, a recent history of new sources of credit and the mix of credit type. FICO scores are updated on a monthly, quarterly or bi-annual basis, depending on the product type. ​ The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of September 30, 2021 was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Commercial Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 633,079 | ​ | $ | 172,147 | ​ | $ | 162,921 | ​ | $ | 128,968 | ​ | $ | 31,439 | ​ | $ | 194,494 | ​ | $ | 578,257 | ​ | $ | 21,767 | ​ | $ | 1,923,072
Special Mention | ​ | ​ | 5,421 | ​ | ​ | 4,709 | ​ | ​ | 104,973 | ​ | ​ | 4,083 | ​ | ​ | 1,069 | ​ | ​ | 4,292 | ​ | ​ | 23,127 | ​ | ​ | 289 | ​ | ​ | 147,963
Substandard | ​ | ​ | 371 | ​ | ​ | 1,663 | ​ | ​ | 2,102 | ​ | ​ | 13,874 | ​ | ​ | 97 | ​ | ​ | 8,285 | ​ | ​ | 19,162 | ​ | ​ | 1,307 | ​ | ​ | 46,861
Other (1) | ​ | ​ | 10,257 | ​ | ​ | 7,897 | ​ | ​ | 8,955 | ​ | ​ | 5,364 | ​ | ​ | 2,740 | ​ | ​ | 573 | ​ | ​ | 41,702 | ​ | ​ | — | ​ | ​ | 77,488
Total Commercial and Industrial | ​ | ​ | 649,128 | ​ | ​ | 186,416 | ​ | ​ | 278,951 | ​ | ​ | 152,289 | ​ | ​ | 35,345 | ​ | ​ | 207,644 | ​ | ​ | 662,248 | ​ | ​ | 23,363 | ​ | ​ | 2,195,384
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 493,286 | ​ | ​ | 342,433 | ​ | ​ | 578,079 | ​ | ​ | 522,123 | ​ | ​ | 429,840 | ​ | ​ | 967,286 | ​ | ​ | 59,685 | ​ | ​ | — | ​ | ​ | 3,392,732
Special Mention | ​ | ​ | — | ​ | ​ | 1,472 | ​ | ​ | 48,916 | ​ | ​ | 16,054 | ​ | ​ | 28,264 | ​ | ​ | 56,319 | ​ | ​ | 7,604 | ​ | ​ | — | ​ | ​ | 158,629
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,907 | ​ | ​ | 258 | ​ | ​ | 15,578 | ​ | ​ | 502 | ​ | ​ | — | ​ | ​ | 18,245
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 162 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 162
Total Commercial Real Estate | ​ | ​ | 493,286 | ​ | ​ | 343,905 | ​ | ​ | 626,995 | ​ | ​ | 540,084 | ​ | ​ | 458,362 | ​ | ​ | 1,039,345 | ​ | ​ | 67,791 | ​ | ​ | — | ​ | ​ | 3,569,768
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 57,368 | ​ | ​ | 94,127 | ​ | ​ | 285,960 | ​ | ​ | 151,714 | ​ | ​ | 63,031 | ​ | ​ | 67,670 | ​ | ​ | 58,013 | ​ | ​ | — | ​ | ​ | 777,883
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 473 | ​ | ​ | 708 | ​ | ​ | — | ​ | ​ | 359 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,540
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 369 | ​ | ​ | — | ​ | ​ | 850 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,219
Other (1) | ​ | ​ | 19,268 | ​ | ​ | 10,753 | ​ | ​ | 4,367 | ​ | ​ | 4,955 | ​ | ​ | 2,710 | ​ | ​ | 2,581 | ​ | ​ | 802 | ​ | ​ | — | ​ | ​ | 45,436
Total Construction | ​ | ​ | 76,636 | ​ | ​ | 104,880 | ​ | ​ | 290,800 | ​ | ​ | 157,746 | ​ | ​ | 65,741 | ​ | ​ | 71,460 | ​ | ​ | 58,815 | ​ | ​ | — | ​ | ​ | 826,078
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 26,419 | ​ | ​ | 64,989 | ​ | ​ | 53,457 | ​ | ​ | 10,371 | ​ | ​ | 15,819 | ​ | ​ | 58,940 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 229,995
Special Mention | ​ | ​ | 523 | ​ | ​ | 282 | ​ | ​ | 501 | ​ | ​ | 182 | ​ | ​ | 27 | ​ | ​ | 201 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,716
Substandard | ​ | ​ | — | ​ | ​ | 2,720 | ​ | ​ | 1,506 | ​ | ​ | 225 | ​ | ​ | 1,037 | ​ | ​ | 490 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,978
Total Lease Financing | ​ | ​ | 26,942 | ​ | ​ | 67,991 | ​ | ​ | 55,464 | ​ | ​ | 10,778 | ​ | ​ | 16,883 | ​ | ​ | 59,631 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 237,689
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 1,245,992 | ​ | $ | 703,192 | ​ | $ | 1,252,210 | ​ | $ | 860,897 | ​ | $ | 576,331 | ​ | $ | 1,378,080 | ​ | $ | 788,854 | ​ | $ | 23,363 | ​ | $ | 6,828,919
(continued)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
(continued) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential Mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | $ | 804,889 | ​ | $ | 661,402 | ​ | $ | 306,706 | ​ | $ | 209,819 | ​ | $ | 270,664 | ​ | $ | 879,063 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,132,543
680 - 739 | ​ | ​ | 104,415 | ​ | ​ | 79,553 | ​ | ​ | 52,470 | ​ | ​ | 36,440 | ​ | ​ | 40,109 | ​ | ​ | 141,178 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 454,165
620 - 679 | ​ | ​ | 14,479 | ​ | ​ | 11,825 | ​ | ​ | 6,941 | ​ | ​ | 5,683 | ​ | ​ | 10,341 | ​ | ​ | 41,481 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 90,750
550 - 619 | ​ | ​ | 231 | ​ | ​ | 818 | ​ | ​ | 193 | ​ | ​ | 2,059 | ​ | ​ | 1,428 | ​ | ​ | 7,378 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12,107
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 490 | ​ | ​ | 2,533 | ​ | ​ | 3,127 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,150
No Score (3) | ​ | ​ | 13,307 | ​ | ​ | 8,559 | ​ | ​ | 15,727 | ​ | ​ | 20,112 | ​ | ​ | 18,265 | ​ | ​ | 46,312 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 122,282
Other (2) | ​ | ​ | 18,701 | ​ | ​ | 17,823 | ​ | ​ | 10,835 | ​ | ​ | 11,779 | ​ | ​ | 18,988 | ​ | ​ | 17,737 | ​ | ​ | 625 | ​ | ​ | 147 | ​ | ​ | 96,635
Total Residential Mortgage | ​ | ​ | 956,022 | ​ | ​ | 779,980 | ​ | ​ | 392,872 | ​ | ​ | 286,382 | ​ | ​ | 362,328 | ​ | ​ | 1,136,276 | ​ | ​ | 625 | ​ | ​ | 147 | ​ | ​ | 3,914,632
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 637,131 | ​ | ​ | 2,220 | ​ | ​ | 639,351
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 150,452 | ​ | ​ | 3,485 | ​ | ​ | 153,937
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 38,987 | ​ | ​ | 1,709 | ​ | ​ | 40,696
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 10,433 | ​ | ​ | 1,473 | ​ | ​ | 11,906
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,260 | ​ | ​ | 70 | ​ | ​ | 2,330
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,854 | ​ | ​ | — | ​ | ​ | 3,854
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 843,117 | ​ | ​ | 8,957 | ​ | ​ | 852,074
Total Residential Lending | ​ | ​ | 956,022 | ​ | ​ | 779,980 | ​ | ​ | 392,872 | ​ | ​ | 286,382 | ​ | ​ | 362,328 | ​ | ​ | 1,136,276 | ​ | ​ | 843,742 | ​ | ​ | 9,104 | ​ | ​ | 4,766,706
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 130,773 | ​ | ​ | 88,770 | ​ | ​ | 88,797 | ​ | ​ | 65,818 | ​ | ​ | 30,908 | ​ | ​ | 11,516 | ​ | ​ | 107,938 | ​ | ​ | 245 | ​ | ​ | 524,765
680 - 739 | ​ | ​ | 72,447 | ​ | ​ | 63,996 | ​ | ​ | 65,105 | ​ | ​ | 41,209 | ​ | ​ | 21,461 | ​ | ​ | 8,912 | ​ | ​ | 68,887 | ​ | ​ | 717 | ​ | ​ | 342,734
620 - 679 | ​ | ​ | 27,131 | ​ | ​ | 28,491 | ​ | ​ | 33,219 | ​ | ​ | 22,225 | ​ | ​ | 15,042 | ​ | ​ | 6,825 | ​ | ​ | 30,956 | ​ | ​ | 1,398 | ​ | ​ | 165,287
550 - 619 | ​ | ​ | 3,181 | ​ | ​ | 8,735 | ​ | ​ | 15,408 | ​ | ​ | 12,262 | ​ | ​ | 9,546 | ​ | ​ | 4,829 | ​ | ​ | 10,150 | ​ | ​ | 1,177 | ​ | ​ | 65,288
Less than 550 | ​ | ​ | 341 | ​ | ​ | 3,200 | ​ | ​ | 6,116 | ​ | ​ | 4,665 | ​ | ​ | 3,196 | ​ | ​ | 1,757 | ​ | ​ | 2,983 | ​ | ​ | 578 | ​ | ​ | 22,836
No Score (3) | ​ | ​ | 1,155 | ​ | ​ | 60 | ​ | ​ | 81 | ​ | ​ | 46 | ​ | ​ | 77 | ​ | ​ | 3 | ​ | ​ | 34,234 | ​ | ​ | 420 | ​ | ​ | 36,076
Other (2) | ​ | ​ | 709 | ​ | ​ | 368 | ​ | ​ | 1,735 | ​ | ​ | 30 | ​ | ​ | 2,183 | ​ | ​ | 38 | ​ | ​ | 76,665 | ​ | ​ | — | ​ | ​ | 81,728
Total Consumer Lending | ​ | ​ | 235,737 | ​ | ​ | 193,620 | ​ | ​ | 210,461 | ​ | ​ | 146,255 | ​ | ​ | 82,413 | ​ | ​ | 33,880 | ​ | ​ | 331,813 | ​ | ​ | 4,535 | ​ | ​ | 1,238,714
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 2,437,751 | ​ | $ | 1,676,792 | ​ | $ | 1,855,543 | ​ | $ | 1,293,534 | ​ | $ | 1,021,072 | ​ | $ | 2,548,236 | ​ | $ | 1,964,409 | ​ | $ | 37,002 | ​ | $ | 12,834,339
(1) | Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.
(2) | Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.
(3) | No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.
​ The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of December 31, 2020 was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | 2016 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Commercial Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 873,639 | ​ | $ | 324,030 | ​ | $ | 183,329 | ​ | $ | 73,000 | ​ | $ | 49,886 | ​ | $ | 94,360 | ​ | $ | 1,058,786 | ​ | $ | 28,853 | ​ | $ | 2,685,883
Special Mention | ​ | ​ | 20,937 | ​ | ​ | 10,370 | ​ | ​ | 20,164 | ​ | ​ | 2,099 | ​ | ​ | 279 | ​ | ​ | 8,316 | ​ | ​ | 101,183 | ​ | ​ | 1,549 | ​ | ​ | 164,897
Substandard | ​ | ​ | 23,804 | ​ | ​ | 2,023 | ​ | ​ | 2,568 | ​ | ​ | 677 | ​ | ​ | 4,063 | ​ | ​ | 8,113 | ​ | ​ | 33,775 | ​ | ​ | 250 | ​ | ​ | 75,273
Other (1) | ​ | ​ | 13,142 | ​ | ​ | 13,426 | ​ | ​ | 9,246 | ​ | ​ | 5,337 | ​ | ​ | 1,867 | ​ | ​ | 280 | ​ | ​ | 50,156 | ​ | ​ | — | ​ | ​ | 93,454
Total Commercial and Industrial | ​ | ​ | 931,522 | ​ | ​ | 349,849 | ​ | ​ | 215,307 | ​ | ​ | 81,113 | ​ | ​ | 56,095 | ​ | ​ | 111,069 | ​ | ​ | 1,243,900 | ​ | ​ | 30,652 | ​ | ​ | 3,019,507
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 342,845 | ​ | ​ | 611,243 | ​ | ​ | 541,104 | ​ | ​ | 447,366 | ​ | ​ | 295,426 | ​ | ​ | 814,398 | ​ | ​ | 47,604 | ​ | ​ | 323 | ​ | ​ | 3,100,309
Special Mention | ​ | ​ | 1,500 | ​ | ​ | 63,617 | ​ | ​ | 26,187 | ​ | ​ | 33,482 | ​ | ​ | 37,841 | ​ | ​ | 61,279 | ​ | ​ | 2,999 | ​ | ​ | — | ​ | ​ | 226,905
Substandard | ​ | ​ | 29 | ​ | ​ | 3,964 | ​ | ​ | 18,983 | ​ | ​ | 3,779 | ​ | ​ | 10,615 | ​ | ​ | 18,083 | ​ | ​ | 9,511 | ​ | ​ | — | ​ | ​ | 64,964
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 498 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 498
Total Commercial Real Estate | ​ | ​ | 344,374 | ​ | ​ | 678,824 | ​ | ​ | 586,274 | ​ | ​ | 484,627 | ​ | ​ | 343,882 | ​ | ​ | 894,258 | ​ | ​ | 60,114 | ​ | ​ | 323 | ​ | ​ | 3,392,676
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 53,931 | ​ | ​ | 233,730 | ​ | ​ | 202,808 | ​ | ​ | 83,792 | ​ | ​ | 23,171 | ​ | ​ | 41,536 | ​ | ​ | 28,386 | ​ | ​ | — | ​ | ​ | 667,354
Special Mention | ​ | ​ | — | ​ | ​ | 508 | ​ | ​ | 707 | ​ | ​ | 4,717 | ​ | ​ | — | ​ | ​ | 9,172 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 15,104
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 541 | ​ | ​ | 1,840 | ​ | ​ | 521 | ​ | ​ | 989 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,891
Other (1) | ​ | ​ | 16,578 | ​ | ​ | 16,393 | ​ | ​ | 7,775 | ​ | ​ | 3,685 | ​ | ​ | 1,800 | ​ | ​ | 2,656 | ​ | ​ | 583 | ​ | ​ | — | ​ | ​ | 49,470
Total Construction | ​ | ​ | 70,509 | ​ | ​ | 250,631 | ​ | ​ | 211,831 | ​ | ​ | 94,034 | ​ | ​ | 25,492 | ​ | ​ | 54,353 | ​ | ​ | 28,969 | ​ | ​ | — | ​ | ​ | 735,819
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 79,064 | ​ | ​ | 60,717 | ​ | ​ | 13,669 | ​ | ​ | 17,207 | ​ | ​ | 3,010 | ​ | ​ | 61,266 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 234,933
Special Mention | ​ | ​ | 950 | ​ | ​ | 892 | ​ | ​ | 311 | ​ | ​ | 1,300 | ​ | ​ | 351 | ​ | ​ | 295 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,099
Substandard | ​ | ​ | 2,708 | ​ | ​ | 1,677 | ​ | ​ | 327 | ​ | ​ | 1,141 | ​ | ​ | — | ​ | ​ | 526 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,379
Total Lease Financing | ​ | ​ | 82,722 | ​ | ​ | 63,286 | ​ | ​ | 14,307 | ​ | ​ | 19,648 | ​ | ​ | 3,361 | ​ | ​ | 62,087 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 245,411
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 1,429,127 | ​ | $ | 1,342,590 | ​ | $ | 1,027,719 | ​ | $ | 679,422 | ​ | $ | 428,830 | ​ | $ | 1,121,767 | ​ | $ | 1,332,983 | ​ | $ | 30,975 | ​ | $ | 7,393,413
(continued)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
(continued) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | 2017 | ​ | 2016 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential Mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | $ | 728,807 | ​ | $ | 384,248 | ​ | $ | 290,484 | ​ | $ | 361,297 | ​ | $ | 314,971 | ​ | $ | 830,795 | ​ | $ | — | ​ | $ | — | ​ | $ | 2,910,602
680 - 739 | ​ | ​ | 85,151 | ​ | ​ | 53,090 | ​ | ​ | 44,616 | ​ | ​ | 50,703 | ​ | ​ | 39,230 | ​ | ​ | 144,537 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 417,327
620 - 679 | ​ | ​ | 15,767 | ​ | ​ | 7,604 | ​ | ​ | 11,460 | ​ | ​ | 9,628 | ​ | ​ | 7,982 | ​ | ​ | 43,393 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 95,834
550 - 619 | ​ | ​ | — | ​ | ​ | 1,971 | ​ | ​ | 2,818 | ​ | ​ | 2,920 | ​ | ​ | 4,474 | ​ | ​ | 10,144 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 22,327
Less than 550 | ​ | ​ | — | ​ | ​ | 861 | ​ | ​ | 593 | ​ | ​ | 2,916 | ​ | ​ | 594 | ​ | ​ | 2,138 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,102
No Score (3) | ​ | ​ | 13,823 | ​ | ​ | 18,861 | ​ | ​ | 21,214 | ​ | ​ | 21,821 | ​ | ​ | 14,355 | ​ | ​ | 45,147 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 135,221
Other (2) | ​ | ​ | 21,011 | ​ | ​ | 15,860 | ​ | ​ | 18,540 | ​ | ​ | 22,677 | ​ | ​ | 9,550 | ​ | ​ | 13,426 | ​ | ​ | 578 | ​ | ​ | 163 | ​ | ​ | 101,805
Total Residential Mortgage | ​ | ​ | 864,559 | ​ | ​ | 482,495 | ​ | ​ | 389,725 | ​ | ​ | 471,962 | ​ | ​ | 391,156 | ​ | ​ | 1,089,580 | ​ | ​ | 578 | ​ | ​ | 163 | ​ | ​ | 3,690,218
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 608,282 | ​ | ​ | 2,163 | ​ | ​ | 610,445
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 159,886 | ​ | ​ | 3,155 | ​ | ​ | 163,041
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 44,005 | ​ | ​ | 1,571 | ​ | ​ | 45,576
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,644 | ​ | ​ | 884 | ​ | ​ | 12,528
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,159 | ​ | ​ | 330 | ​ | ​ | 5,489
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,545 | ​ | ​ | — | ​ | ​ | 4,545
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 833,521 | ​ | ​ | 8,103 | ​ | ​ | 841,624
Total Residential Lending | ​ | ​ | 864,559 | ​ | ​ | 482,495 | ​ | ​ | 389,725 | ​ | ​ | 471,962 | ​ | ​ | 391,156 | ​ | ​ | 1,089,580 | ​ | ​ | 834,099 | ​ | ​ | 8,266 | ​ | ​ | 4,531,842
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 113,373 | ​ | ​ | 122,965 | ​ | ​ | 99,678 | ​ | ​ | 54,691 | ​ | ​ | 24,029 | ​ | ​ | 6,034 | ​ | ​ | 114,748 | ​ | ​ | 275 | ​ | ​ | 535,793
680 - 739 | ​ | ​ | 83,316 | ​ | ​ | 90,853 | ​ | ​ | 66,143 | ​ | ​ | 36,426 | ​ | ​ | 16,358 | ​ | ​ | 4,985 | ​ | ​ | 76,391 | ​ | ​ | 773 | ​ | ​ | 375,245
620 - 679 | ​ | ​ | 40,469 | ​ | ​ | 48,904 | ​ | ​ | 33,917 | ​ | ​ | 24,705 | ​ | ​ | 11,144 | ​ | ​ | 3,788 | ​ | ​ | 36,622 | ​ | ​ | 1,221 | ​ | ​ | 200,770
550 - 619 | ​ | ​ | 9,125 | ​ | ​ | 20,274 | ​ | ​ | 17,693 | ​ | ​ | 15,126 | ​ | ​ | 7,825 | ​ | ​ | 2,883 | ​ | ​ | 12,980 | ​ | ​ | 1,458 | ​ | ​ | 87,364
Less than 550 | ​ | ​ | 3,017 | ​ | ​ | 10,139 | ​ | ​ | 9,189 | ​ | ​ | 6,517 | ​ | ​ | 3,123 | ​ | ​ | 1,118 | ​ | ​ | 5,261 | ​ | ​ | 799 | ​ | ​ | 39,163
No Score (3) | ​ | ​ | 339 | ​ | ​ | 103 | ​ | ​ | 64 | ​ | ​ | 109 | ​ | ​ | 10 | ​ | ​ | — | ​ | ​ | 33,854 | ​ | ​ | 356 | ​ | ​ | 34,835
Other (2) | ​ | ​ | 380 | ​ | ​ | 1,890 | ​ | ​ | 73 | ​ | ​ | 2,214 | ​ | ​ | 45 | ​ | ​ | 6,768 | ​ | ​ | 69,302 | ​ | ​ | — | ​ | ​ | 80,672
Total Consumer Lending | ​ | ​ | 250,019 | ​ | ​ | 295,128 | ​ | ​ | 226,757 | ​ | ​ | 139,788 | ​ | ​ | 62,534 | ​ | ​ | 25,576 | ​ | ​ | 349,158 | ​ | ​ | 4,882 | ​ | ​ | 1,353,842
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 2,543,705 | ​ | $ | 2,120,213 | ​ | $ | 1,644,201 | ​ | $ | 1,291,172 | ​ | $ | 882,520 | ​ | $ | 2,236,923 | ​ | $ | 2,516,240 | ​ | $ | 44,123 | ​ | $ | 13,279,097
(1) | Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.
(2) | Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.
(3) | No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.
​ There were no loans and leases graded as Loss as of September 30, 2021 and December 31, 2020. ​ The amortized cost basis of revolving loans that were converted to term loans during the three and nine months ended September 30, 2021 and 2020 was as follows: ​
​ | ​ | ​ | ​
​ | ​ | Three Months Ended
(dollars in thousands) | ​ | September 30, 2021
Commercial and industrial | ​ | $ | 195
Home equity line | ​ | ​ | 560
Consumer | ​ | ​ | 422
Total Revolving Loans Converted to Term Loans During the Period | ​ | $ | 1,177
​
​ | ​ | ​ | ​
​ ​ | ​ | Nine Months Ended
(dollars in thousands) | ​ | September 30, 2021
Commercial and industrial | ​ | $ | 454
Home equity line | ​ | ​ | 2,177
Consumer | ​ | ​ | 1,358
Total Revolving Loans Converted to Term Loans During the Period | ​ | $ | 3,989
​
​ | ​ | ​ | ​
​ | ​ | Three Months Ended
(dollars in thousands) | ​ | September 30, 2020
Commercial and industrial | ​ | $ | 5
Home equity line | ​ | ​ | 8,843
Total Revolving Loans Converted to Term Loans During the Period | ​ | $ | 8,848
​
​ | ​ | ​ | ​
​ | ​ | Nine Months Ended
(dollars in thousands) | ​ | September 30, 2020
Commercial and industrial | ​ | $ | 28,527
Residential mortgage | ​ | ​ | 296
Home equity line | ​ | ​ | 12,771
Total Revolving Loans Converted to Term Loans During the Period | ​ | $ | 41,594
​ Past-Due Status ​ The Company continually updates its aging analysis for loans and leases to monitor the migration of loans and leases into past due categories. The Company considers loans and leases that are delinquent for 30 days or more to be past due. As of September 30, 2021, the aging analysis of the amortized cost basis of the Company’s past due loans and leases was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2021
​ | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | Loans and
​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Leases Past
​ | ​ | ​ | ​ | ​ | ​ | Than or | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Due 90 Days
​ | ​ | 30-59 | ​ | 60-89 | ​ | Equal to | ​ | ​ | ​ | ​ | ​ | ​ | ​ | or More and
​ | ​ | Days | ​ | Days | ​ | 90 Days | ​ | Total | ​ | ​ | ​ | Total Loans | ​ | Still Accruing
(dollars in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | and Leases | ​ | Interest
Commercial and industrial | ​ | $ | 1,243 | ​ | $ | 255 | ​ | $ | 1,028 | ​ | $ | 2,526 | ​ | $ | 2,192,858 | ​ | $ | 2,195,384 | ​ | $ | 439
Commercial real estate | ​ | ​ | 19,359 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 19,359 | ​ | ​ | 3,550,409 | ​ | ​ | 3,569,768 | ​ | ​ | —
Construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 826,078 | ​ | ​ | 826,078 | ​ | ​ | —
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 237,689 | ​ | ​ | 237,689 | ​ | ​ | —
Residential mortgage | ​ | ​ | 4,415 | ​ | ​ | 2,086 | ​ | ​ | 3,844 | ​ | ​ | 10,345 | ​ | ​ | 3,904,287 | ​ | ​ | 3,914,632 | ​ | ​ | 100
Home equity line | ​ | ​ | 2,107 | ​ | ​ | 345 | ​ | ​ | 3,871 | ​ | ​ | 6,323 | ​ | ​ | 845,751 | ​ | ​ | 852,074 | ​ | ​ | 3,871
Consumer | ​ | ​ | 12,904 | ​ | ​ | 1,923 | ​ | ​ | 1,376 | ​ | ​ | 16,203 | ​ | ​ | 1,222,511 | ​ | ​ | 1,238,714 | ​ | ​ | 1,376
Total | ​ | $ | 40,028 | ​ | $ | 4,609 | ​ | $ | 10,119 | ​ | $ | 54,756 | ​ | $ | 12,779,583 | ​ | $ | 12,834,339 | ​ | $ | 5,786
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2020
​ | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | Loans and
​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Leases Past
​ | ​ | ​ | ​ | ​ | ​ | Than or | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Due 90 Days
​ | ​ | 30-59 | ​ | 60-89 | ​ | Equal to | ​ | ​ | ​ | ​ | ​ | ​ | ​ | or More and
​ | ​ | Days | ​ | Days | ​ | 90 Days | ​ | Total | ​ | ​ | ​ | Total Loans | ​ | Still Accruing
(dollars in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | and Leases | ​ | Interest
Commercial and industrial | ​ | $ | 2,585 | ​ | $ | 604 | ​ | $ | 2,626 | ​ | $ | 5,815 | ​ | $ | 3,013,692 | ​ | $ | 3,019,507 | ​ | $ | 2,108
Commercial real estate | ​ | ​ | 75 | ​ | ​ | 2,568 | ​ | ​ | 963 | ​ | ​ | 3,606 | ​ | ​ | 3,389,070 | ​ | ​ | 3,392,676 | ​ | ​ | 882
Construction | ​ | ​ | 779 | ​ | ​ | 376 | ​ | ​ | 2,137 | ​ | ​ | 3,292 | ​ | ​ | 732,527 | ​ | ​ | 735,819 | ​ | ​ | 93
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 245,411 | ​ | ​ | 245,411 | ​ | ​ | —
Residential mortgage | ​ | ​ | 3,382 | ​ | ​ | 4,125 | ​ | ​ | 3,372 | ​ | ​ | 10,879 | ​ | ​ | 3,679,339 | ​ | ​ | 3,690,218 | ​ | ​ | —
Home equity line | ​ | ​ | 1,375 | ​ | ​ | 743 | ​ | ​ | 4,818 | ​ | ​ | 6,936 | ​ | ​ | 834,688 | ​ | ​ | 841,624 | ​ | ​ | 4,818
Consumer | ​ | ​ | 18,492 | ​ | ​ | 5,205 | ​ | ​ | 3,266 | ​ | ​ | 26,963 | ​ | ​ | 1,326,879 | ​ | ​ | 1,353,842 | ​ | ​ | 3,266
Total | ​ | $ | 26,688 | ​ | $ | 13,621 | ​ | $ | 17,182 | ​ | $ | 57,491 | ​ | $ | 13,221,606 | ​ | $ | 13,279,097 | ​ | $ | 11,167
​ Nonaccrual Loans and Leases ​ The Company generally places a loan or lease on nonaccrual status when management believes that collection of principal or interest has become doubtful or when a loan or lease becomes 90 days past due as to principal or interest, unless it is well secured and in the process of collection. The Company charges off a loan or lease when facts indicate that the loan or lease is considered uncollectible. ​ The amortized cost basis of loans and leases on nonaccrual status as of September 30, 2021 and December 31, 2020 and the amortized cost basis of loans and leases on nonaccrual status with no ACL as of September 30, 2021 and December 31, 2020 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2021
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | — | ​ | $ | 746
Commercial real estate | ​ | ​ | 745 | ​ | ​ | 745
Residential mortgage | ​ | ​ | 1,851 | ​ | ​ | 7,137
Total Nonaccrual Loans and Leases | ​ | $ | 2,596 | ​ | $ | 8,628
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2020
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | — | ​ | $ | 518
Commercial real estate | ​ | ​ | — | ​ | ​ | 80
Construction | ​ | ​ | 1,840 | ​ | ​ | 2,043
Residential mortgage | ​ | ​ | 1,316 | ​ | ​ | 6,441
Total Nonaccrual Loans and Leases | ​ | $ | 3,156 | ​ | $ | 9,082
​ For the three and nine months ended September 30, 2021, the Company recognized interest income of $0.2 million and $0.4 million, respectively, on nonaccrual loans and leases, and for the three and nine months ended September 30, 2020, the Company recognized interest income of $0.1 million and $0.2 million, respectively, on nonaccrual loans and leases. Furthermore, for the three and nine months ended September 30, 2021, the amount of accrued interest receivables written off by reversing interest income was $0.2 million and $0.7 million, respectively, and for the three and nine months ended September 30, 2020, the amount of accrued interest receivables written off by reversing interest income was $0.2 million and $1.1 million, respectively. ​ Collateral-Dependent Loans and Leases ​ Collateral-dependent loans and leases are those for which repayment (on the basis of the Company’s assessment as of the reporting date) is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. As of September 30, 2021 and December 31, 2020, the amortized cost basis of collateral-dependent loans were $8.2 million and $21.0 million, respectively. As of September 30, 2021, these loans were primarily collateralized by residential real estate property. As of December 31, 2020, these loans were primarily collateralized by residential real estate property and borrower assets. As of September 30, 2021 and December 31, 2020, the fair value of collateral on substantially all collateral-dependent loans were significantly in excess of their amortized cost basis. ​ Modifications ​ Commercial and industrial loans modified in a TDR may involve temporary interest-only payments, term and amortization extensions, and converting revolving credit lines to term loans. Modifications of commercial real estate and construction loans in a TDR may involve reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or substituting or adding a new borrower or guarantor. Modifications of construction loans in a TDR may also involve extending the interest-only payment period. Interest continues to accrue on the missed payments and as a result, the effective yield on the loan remains unchanged. Residential real estate loans modified in a TDR may be comprised of loans where monthly payments are lowered to accommodate the borrowers' financial needs for a period of time, including extended interest-only periods and re-amortization of the balance. Modifications of consumer loans in a TDR may involve temporary or permanent reduced payments, temporary interest-only payments and below-market interest rates. ​ Loans modified in a TDR may already be on nonaccrual status and in some cases, partial charge-offs may have already been taken against the outstanding loan balance. Loans modified in a TDR are evaluated for impairment. As a result, this may have a financial effect of increasing the specific ACL associated with the loan. An ACL for impaired commercial loans, including commercial real estate and construction loans, that have been modified in a TDR is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or if the loan is collateral-dependent, the estimated fair value of the collateral, less any selling costs. An ACL for impaired residential real estate loans that have been modified in a TDR is measured based on the estimated fair value of the collateral, less any selling costs. Management exercises significant judgment in developing these estimates. ​ The following presents, by class, information related to loans modified in a TDR during the three and nine months ended September 30, 2021 and 2020: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2021 | ​ | September 30, 2021
​ | ​ | Number of | ​ | Recorded | ​ | Related | ​ | Number of | ​ | Recorded | ​ | Related
(dollars in thousands) |  | Contracts |  | Investment(1) |  | ACL |  | Contracts |  | Investment(1) |  | ACL
Commercial and industrial | ​ | — | ​ | $ | — | ​ | $ | — | ​ | 13 | ​ | $ | 1,946 | ​ | $ | 127
Commercial real estate | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 365 | ​ | ​ | 75
Construction | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | 2 | ​ | ​ | 699 | ​ | ​ | 79
Residential mortgage | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | 13 | ​ | ​ | 5,582 | ​ | ​ | 213
Consumer | ​ | 150 | ​ | ​ | 1,950 | ​ | ​ | 247 | ​ | 1,671 | ​ | ​ | 15,916 | ​ | ​ | 2,128
Total | ​ | 150 | ​ | $ | 1,950 | ​ | $ | 247 | ​ | 1,700 | ​ | $ | 24,508 | ​ | $ | 2,622
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2020 | ​ | September 30, 2020
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Number of | ​ | Recorded | ​ | Related | ​ | Number of | ​ | Recorded | ​ | Related
(dollars in thousands) |  | Contracts |  | Investment(1) |  | Allowance |  | Contracts |  | Investment(1) |  | ACL
Commercial and industrial | ​ | — | ​ | $ | — | ​ | $ | — | ​ | 1 | ​ | $ | 500 | ​ | $ | 30
Total | ​ | — | ​ | $ | — | ​ | $ | — | ​ | 1 | ​ | $ | 500 | ​ | $ | 30
(1) | The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ The above loans were modified in a TDR through an extension of maturity dates, temporary interest-only payments, temporary payment deferrals, reduced payments, converting revolving credit lines to term loans or below-market interest rates. ​ The Company had commitments to extend credit, standby letters of credit, and commercial letters of credit totaling $6.7 billion and $6.1 billion as of September 30, 2021 and December 31, 2020, respectively. Of the $6.7 billion at September 30, 2021, there were commitments of $0.2 million to lend additional funds related to borrowers who had loan terms modified in a TDR. Of the $6.1 billion at December 31, 2020, there were commitments of $0.2 million to lend additional funds related to borrowers who had loan terms modified in a TDR. ​ The following table presents, by class, loans modified in TDRs that have defaulted in the current period within 12 months of their permanent modification date for the periods indicated. The Company is reporting these defaulted TDRs based on a payment default definition of 30 days past due: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended | ​ | Nine Months Ended | ​ | Three Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2021 | ​ | September 30, 2021 | ​ | September 30, 2020 | ​ | September 30, 2020
​ | ​ | Number of | ​ | Recorded | ​ | Number of | ​ | Recorded | ​ | Number of | ​ | Recorded | ​ | Number of | ​ | Recorded
(dollars in thousands) |  | Contracts |  | Investment(1) |  | Contracts |  | Investment(1) |  | Contracts |  | Investment(1) |  | Contracts |  | Investment(1)
Commercial and industrial | ​ | 2 | ​ | $ | 265 | ​ | 3 | ​ | $ | 613 | ​ | 1 | ​ | $ | 500 | ​ | 1 | ​ | $ | 500
Construction | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 359 | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Commercial real estate | ​ | 1 | ​ | ​ | 500 | ​ | 1 | ​ | ​ | 500 | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Residential mortgage | ​ | 2 | ​ | ​ | 596 | ​ | 3 | ​ | ​ | 884 | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Consumer | ​ | 230 | ​ | ​ | 3,258 | ​ | 314 | ​ | ​ | 4,366 | ​ | — | ​ | ​ | — | ​ | — | ​ | ​ | —
Total | ​ | 235 | ​ | $ | 4,619 | ​ | 322 | ​ | $ | 6,722 | ​ | 1 | ​ | $ | 500 | ​ | 1 | ​ | $ | 500
(1) | The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ Foreclosure Proceedings ​ As of September 30, 2021, there was one residential mortgage loan of $0.3 million collateralized by real estate property that was modified in a TDR that was in process of foreclosure. As of December 31, 2020, there were no residential mortgage loans collateralized by real estate property that was modified in a TDR that was in process of foreclosure. ​ Foreclosed Property ​ As of September 30, 2021 and December 31, 2020, there were no residential real estate properties held from foreclosed residential real estate loans.

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