XML 51 R36.htm IDEA: XBRL DOCUMENT
v3.20.2

Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2020
Receivables [Abstract] |
Loan Portfolio | The various categories of loans are summarized as follows:
| June 30, |  | December 31,
(In thousands) | 2020 |  | 2019
Consumer: |  |  |
Credit cards | $ | 184,348 |  |  | $ | 204,802 |
Other consumer | 214,024 |  |  | 249,195 |
Total consumer | 398,372 |  |  | 453,997 |
Real Estate: |  |  |
Construction and development | 2,010,256 |  |  | 2,248,673 |
Single family residential | 2,207,087 |  |  | 2,414,753 |
Other commercial | 6,316,444 |  |  | 6,358,514 |
Total real estate | 10,533,787 |  |  | 11,021,940 |
Commercial: |  |  |
Commercial | 3,038,216 |  |  | 2,451,119 |
Agricultural | 217,715 |  |  | 191,525 |
Total commercial | 3,255,931 |  |  | 2,642,644 |
Other | 418,810 |  |  | 307,123 |
Total loans | $ | 14,606,900 |  |  | $ | 14,425,704 |
Nonaccrual Loans | The amortized cost basis of nonaccrual loans segregated by class of loans are as follows:
| June 30, |  | December 31,
(In thousands) | 2020 |  | 2019
Consumer: |  |  |
Credit cards | $ | 223 |  |  | $ | 382 |
Other consumer | 1,912 |  |  | 1,705 |
Total consumer | 2,135 |  |  | 2,087 |
Real estate: |  |  |
Construction and development | 6,501 |  |  | 5,289 |
Single family residential | 32,244 |  |  | 27,695 |
Other commercial | 36,255 |  |  | 16,582 |
Total real estate | 75,000 |  |  | 49,566 |
Commercial: |  |  |
Commercial | 53,538 |  |  | 40,924 |
Agricultural | 710 |  |  | 753 |
Total commercial | 54,248 |  |  | 41,677 |
Total | $ | 131,383 |  |  | $ | 93,330 |
Past Due Loans | An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows:
(In thousands) | Gross 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 Days Past Due & Accruing
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Credit cards | $ | 672 |  |  | $ | 262 |  |  | $ | 934 |  |  | $ | 183,414 |  |  | $ | 184,348 |  |  | $ | 262 |
Other consumer | 2,626 |  |  | 724 |  |  | 3,350 |  |  | 210,674 |  |  | 214,024 |  |  | 1 |
Total consumer | 3,298 |  |  | 986 |  |  | 4,284 |  |  | 394,088 |  |  | 398,372 |  |  | 263 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction and development | 3,574 |  |  | 4,698 |  |  | 8,272 |  |  | 2,001,984 |  |  | 2,010,256 |  |  | — |
Single family residential | 13,805 |  |  | 15,389 |  |  | 29,194 |  |  | 2,177,893 |  |  | 2,207,087 |  |  | — |
Other commercial | 4,665 |  |  | 19,480 |  |  | 24,145 |  |  | 6,292,299 |  |  | 6,316,444 |  |  | 50 |
Total real estate | 22,044 |  |  | 39,567 |  |  | 61,611 |  |  | 10,472,176 |  |  | 10,533,787 |  |  | 50 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 6,413 |  |  | 14,891 |  |  | 21,304 |  |  | 3,016,912 |  |  | 3,038,216 |  |  | 180 |
Agricultural | 411 |  |  | 401 |  |  | 812 |  |  | 216,903 |  |  | 217,715 |  |  | 1 |
Total commercial | 6,824 |  |  | 15,292 |  |  | 22,116 |  |  | 3,233,815 |  |  | 3,255,931 |  |  | 181 |
Other | — |  |  | — |  |  | — |  |  | 418,810 |  |  | 418,810 |  |  | — |
Total | $ | 32,166 |  |  | $ | 55,845 |  |  | $ | 88,011 |  |  | $ | 14,518,889 |  |  | $ | 14,606,900 |  |  | $ | 494 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Credit cards | $ | 848 |  |  | $ | 641 |  |  | $ | 1,489 |  |  | $ | 203,313 |  |  | $ | 204,802 |  |  | $ | 259 |
Other consumer | 4,884 |  |  | 735 |  |  | 5,619 |  |  | 243,576 |  |  | 249,195 |  |  | — |
Total consumer | 5,732 |  |  | 1,376 |  |  | 7,108 |  |  | 446,889 |  |  | 453,997 |  |  | 259 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction and development | 5,792 |  |  | 1,078 |  |  | 6,870 |  |  | 2,241,803 |  |  | 2,248,673 |  |  | — |
Single family residential | 26,318 |  |  | 13,789 |  |  | 40,107 |  |  | 2,374,646 |  |  | 2,414,753 |  |  | 597 |
Other commercial | 7,645 |  |  | 6,450 |  |  | 14,095 |  |  | 6,344,419 |  |  | 6,358,514 |  |  | — |
Total real estate | 39,755 |  |  | 21,317 |  |  | 61,072 |  |  | 10,960,868 |  |  | 11,021,940 |  |  | 597 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 10,579 |  |  | 13,551 |  |  | 24,130 |  |  | 2,426,989 |  |  | 2,451,119 |  |  | — |
Agricultural | 1,223 |  |  | 456 |  |  | 1,679 |  |  | 189,846 |  |  | 191,525 |  |  | — |
Total commercial | 11,802 |  |  | 14,007 |  |  | 25,809 |  |  | 2,616,835 |  |  | 2,642,644 |  |  | — |
Other | — |  |  | — |  |  | — |  |  | 307,123 |  |  | 307,123 |  |  | — |
Total | $ | 57,289 |  |  | $ | 36,700 |  |  | $ | 93,989 |  |  | $ | 14,331,715 |  |  | $ | 14,425,704 |  |  | $ | 856 |
Impaired Financing Receivables | The following table presents information pertaining to impaired loans as of December 31, 2019, in accordance with previous US GAAP prior to the adoption of ASU 2016-13.
(In thousands) | Unpaid Contractual Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance |  | Average Investment in Impaired Loans |  | Interest Income Recognized |  | Average Investment in Impaired Loans |  | Interest Income Recognized
December 31, 2019 |  |  |  |  |  |  |  |  |  |  | Three Months Ended June 30, 2019 |  |  |  | Six Months Ended June 30, 2019 |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards | $ | 382 |  |  | $ | 382 |  |  | $ | — |  |  | $ | 382 |  |  | $ | — |  |  | $ | 332 |  |  | $ | 40 |  |  | $ | 320 |  |  | $ | 70 |
Other consumer | 1,537 |  |  | 1,378 |  |  | — |  |  | 1,378 |  |  | — |  |  | 1,563 |  |  | 12 |  |  | 1,762 |  |  | 25 |
Total consumer | 1,919 |  |  | 1,760 |  |  | — |  |  | 1,760 |  |  | — |  |  | 1,895 |  |  | 52 |  |  | 2,082 |  |  | 95 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development | 4,648 |  |  | 4,466 |  |  | 72 |  |  | 4,538 |  |  | 4 |  |  | 2,355 |  |  | 14 |  |  | 1,993 |  |  | 28 |
Single family residential | 19,466 |  |  | 15,139 |  |  | 2,963 |  |  | 18,102 |  |  | 42 |  |  | 15,486 |  |  | 105 |  |  | 14,351 |  |  | 203 |
Other commercial | 10,645 |  |  | 4,713 |  |  | 3,740 |  |  | 8,453 |  |  | 694 |  |  | 7,676 |  |  | 59 |  |  | 8,751 |  |  | 123 |
Total real estate | 34,759 |  |  | 24,318 |  |  | 6,775 |  |  | 31,093 |  |  | 740 |  |  | 25,517 |  |  | 178 |  |  | 25,095 |  |  | 354 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | 53,436 |  |  | 6,582 |  |  | 28,998 |  |  | 35,580 |  |  | 5,007 |  |  | 29,776 |  |  | 187 |  |  | 23,811 |  |  | 335 |
Agricultural | 525 |  |  | 383 |  |  | 116 |  |  | 499 |  |  | — |  |  | 1,148 |  |  | 8 |  |  | 1,159 |  |  | 16 |
Total commercial | 53,961 |  |  | 6,965 |  |  | 29,114 |  |  | 36,079 |  |  | 5,007 |  |  | 30,924 |  |  | 195 |  |  | 24,970 |  |  | 351 |
Total | $ | 90,639 |  |  | $ | 33,043 |  |  | $ | 35,889 |  |  | $ | 68,932 |  |  | $ | 5,747 |  |  | $ | 58,336 |  |  | $ | 425 |  |  | $ | 52,147 |  |  | $ | 800 |
Troubled Debt Restructuring | The following table presents a summary of TDRs segregated by class of loans.
| Accruing TDR Loans |  |  |  | Nonaccrual TDR Loans |  |  |  | Total TDR Loans |  |
(Dollars in thousands) | Number |  | Balance |  | Number |  | Balance |  | Number |  | Balance
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 12 |  |  | $ | 1,221 |  |  | 7 |  |  | $ | 680 |  |  | 19 |  |  | $ | 1,901 |
Other commercial | — |  |  | — |  |  | 2 |  |  | 70 |  |  | 2 |  |  | 70 |
Total real estate | 12 |  |  | 1,221 |  |  | 9 |  |  | 750 |  |  | 21 |  |  | 1,971 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 4 |  |  | 2,739 |  |  | 3 |  |  | 68 |  |  | 7 |  |  | 2,807 |
Total commercial | 4 |  |  | 2,739 |  |  | 3 |  |  | 68 |  |  | 7 |  |  | 2,807 |
Total | 16 |  |  | $ | 3,960 |  |  | 12 |  |  | $ | 818 |  |  | 28 |  |  | $ | 4,778 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction and development | — |  |  | $ | — |  |  | 1 |  |  | $ | 72 |  |  | 1 |  |  | $ | 72 |
Single-family residential | 7 |  |  | 1,151 |  |  | 12 |  |  | 671 |  |  | 19 |  |  | 1,822 |
Other commercial | 1 |  |  | 476 |  |  | 2 |  |  | 80 |  |  | 3 |  |  | 556 |
Total real estate | 8 |  |  | 1,627 |  |  | 15 |  |  | 823 |  |  | 23 |  |  | 2,450 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 4 |  |  | 2,784 |  |  | 3 |  |  | 79 |  |  | 7 |  |  | 2,863 |
Total commercial | 4 |  |  | 2,784 |  |  | 3 |  |  | 79 |  |  | 7 |  |  | 2,863 |
Total | 12 |  |  | $ | 4,411 |  |  | 18 |  |  | $ | 902 |  |  | 30 |  |  | $ | 5,313 |
There were no loans restructured as TDRs during the three and six month periods ended June 30, 2019.
(Dollars in thousands) | Number of loans |  | Balance Prior to TDR |  | Balance at June 30, |  | Change in Maturity Date |  | Change in Rate |  | Financial Impact on Date of Restructure
Three and Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 1 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | — |  |  | $ | — |
Total real estate | 1 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | — |  |  | $ | — |
Loans by Credit Risk Ratings | The following table presents a summary of loans by credit quality indicator, other than pass or current, as of June 30, 2020 segregated by class of loans.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(In thousands) | 2020 (YTD) |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 and Prior |  | Lines of Credit (“LOC”) Amortized Cost Basis |  | LOC Converted to Term Loans Amortized Cost Basis |  | Total
Consumer - credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 672 |  |  | $ | — |  |  | $ | 672 |
90+ days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 262 |  |  | — |  |  | 262 |
Total consumer - credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 934 |  |  | — |  |  | 934 |
Consumer - other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 89 |  |  | 446 |  |  | 387 |  |  | 576 |  |  | 633 |  |  | 71 |  |  | 424 |  |  | — |  |  | 2,626 |
90+ days past due | 31 |  |  | 110 |  |  | 107 |  |  | 291 |  |  | 135 |  |  | 29 |  |  | 21 |  |  | — |  |  | 724 |
Total consumer - other | 120 |  |  | 556 |  |  | 494 |  |  | 867 |  |  | 768 |  |  | 100 |  |  | 445 |  |  | — |  |  | 3,350 |
Real estate - C&D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
5 internal grade | — |  |  | 43 |  |  | 17 |  |  | 1,947 |  |  | 20 |  |  | — |  |  | — |  |  | — |  |  | 2,027 |
6 internal grade | 241 |  |  | 2,988 |  |  | 425 |  |  | 197 |  |  | 422 |  |  | 1,082 |  |  | 850 |  |  | 799 |  |  | 7,004 |
7 internal grade | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - C&D | 241 |  |  | 3,031 |  |  | 442 |  |  | 2,144 |  |  | 442 |  |  | 1,082 |  |  | 850 |  |  | 799 |  |  | 9,031 |
Real estate - SF residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 321 |  |  | 2,074 |  |  | 1,980 |  |  | 1,415 |  |  | 1,796 |  |  | 4,553 |  |  | 1,666 |  |  | — |  |  | 13,805 |
90+ days past due | — |  |  | 2,402 |  |  | 2,916 |  |  | 2,378 |  |  | 1,518 |  |  | 3,822 |  |  | 2,353 |  |  | — |  |  | 15,389 |
Total real estate - SF residential | 321 |  |  | 4,476 |  |  | 4,896 |  |  | 3,793 |  |  | 3,314 |  |  | 8,375 |  |  | 4,019 |  |  | — |  |  | 29,194 |
Real estate - other commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
5 internal grade | 18,591 |  |  | 2,425 |  |  | 11,530 |  |  | 1,049 |  |  | 1,349 |  |  | 2,591 |  |  | 18,027 |  |  | 24,917 |  |  | 80,479 |
6 internal grade | 35,258 |  |  | 6,008 |  |  | 8,995 |  |  | 4,411 |  |  | 4,110 |  |  | 13,502 |  |  | 39,073 |  |  | 10,077 |  |  | 121,434 |
7 internal grade | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - other commercial | 53,849 |  |  | 8,433 |  |  | 20,525 |  |  | 5,460 |  |  | 5,459 |  |  | 16,093 |  |  | 57,100 |  |  | 34,994 |  |  | 201,913 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
5 internal grade | 3,377 |  |  | 325 |  |  | 478 |  |  | 136 |  |  | 233 |  |  | 58 |  |  | 46,465 |  |  | — |  |  | 51,072 |
6 internal grade | 9,588 |  |  | 5,098 |  |  | 4,885 |  |  | 2,024 |  |  | 1,168 |  |  | 697 |  |  | 55,123 |  |  | 860 |  |  | 79,443 |
7 internal grade | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 12,965 |  |  | 5,423 |  |  | 5,363 |  |  | 2,160 |  |  | 1,401 |  |  | 755 |  |  | 101,588 |  |  | 860 |  |  | 130,515 |
Commercial - agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
5 internal grade | — |  |  | 86 |  |  | 15 |  |  | 379 |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 517 |
6 internal grade | 21 |  |  | 112 |  |  | 193 |  |  | 95 |  |  | 149 |  |  | 11 |  |  | 63 |  |  | — |  |  | 644 |
7 internal grade | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial - agriculture | 21 |  |  | 198 |  |  | 208 |  |  | 474 |  |  | 149 |  |  | 11 |  |  | 100 |  |  | — |  |  | 1,161 |
Total | $ | 67,517 |  |  | $ | 22,117 |  |  | $ | 31,928 |  |  | $ | 14,898 |  |  | $ | 11,533 |  |  | $ | 26,416 |  |  | $ | 165,036 |  |  | $ | 36,653 |  |  | $ | 376,098 |
The following table presents a summary of loans by credit risk rating as of December 31, 2019 segregated by class of loans.
(In thousands) |  | Risk Rate 1-4 |  | Risk Rate 5 |  | Risk Rate 6 |  | Risk Rate 7 |  | Risk Rate 8 |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | $ | 204,161 |  |  | $ | — |  |  | $ | 641 |  |  | $ | — |  |  | $ | — |  |  | $ | 204,802 |
Other consumer |  | 247,668 |  |  | — |  |  | 2,026 |  |  | — |  |  | — |  |  | 249,694 |
Total consumer |  | 451,829 |  |  | — |  |  | 2,667 |  |  | — |  |  | — |  |  | 454,496 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | 2,229,019 |  |  | 70 |  |  | 7,735 |  |  | — |  |  | 37 |  |  | 2,236,861 |
Single family residential |  | 2,394,284 |  |  | 6,049 |  |  | 41,601 |  |  | 130 |  |  | — |  |  | 2,442,064 |
Other commercial |  | 6,068,425 |  |  | 69,745 |  |  | 67,429 |  |  | — |  |  | — |  |  | 6,205,599 |
Total real estate |  | 10,691,728 |  |  | 75,864 |  |  | 116,765 |  |  | 130 |  |  | 37 |  |  | 10,884,524 |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 2,384,263 |  |  | 26,713 |  |  | 84,317 |  |  | 43 |  |  | 180 |  |  | 2,495,516 |
Agricultural |  | 309,741 |  |  | 41 |  |  | 5,672 |  |  | — |  |  | — |  |  | 315,454 |
Total commercial |  | 2,694,004 |  |  | 26,754 |  |  | 89,989 |  |  | 43 |  |  | 180 |  |  | 2,810,970 |
Other |  | 275,714 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 275,714 |
Total |  | $ | 14,113,275 |  |  | $ | 102,618 |  |  | $ | 209,421 |  |  | $ | 173 |  |  | $ | 217 |  |  | $ | 14,425,704 |
Allowance for Loan Losses | The collateral securing these loans consist of commercial real estate properties, residential properties, other business assets, and secured energy production assets.
(In thousands) | Real Estate Collateral |  | Energy |  | Other Collateral |  | Total
Construction and development | $ | 2,465 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,465 |
Single family residential | 5,479 |  |  | — |  |  | — |  |  | 5,479 |
Other commercial real estate | 18,654 |  |  | — |  |  | — |  |  | 18,654 |
Commercial | — |  |  | 21,755 |  |  | 6,696 |  |  | 28,451 |
Total | $ | 26,598 |  |  | $ | 21,755 |  |  | $ | 6,696 |  |  | $ | 55,049 |
The following table details activity in the allowance for credit losses by portfolio segment for loans for the three and six months ended June 30, 2020. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(In thousands) | Commercial |  | Real Estate |  | Credit Card |  | Other Consumer and Other |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2020 | $ | 76,327 |  |  | $ | 141,022 |  |  | $ | 7,817 |  |  | $ | 18,029 |  |  | $ | 243,195 |
Provision for credit loss expense | 18,400 |  |  | 10,020 |  |  | 3,943 |  |  | (5,685) |  |  | 26,678 |
Charge-offs | (35,687) |  |  | (1,824) |  |  | (1,053) |  |  | (592) |  |  | (39,156) |
Recoveries | 98 |  |  | 253 |  |  | 272 |  |  | 303 |  |  | 926 |
Net charge-offs | (35,589) |  |  | (1,571) |  |  | (781) |  |  | (289) |  |  | (38,230) |
Ending balance, June 30, 2020 | $ | 59,138 |  |  | $ | 149,471 |  |  | $ | 10,979 |  |  | $ | 12,055 |  |  | $ | 231,643 |
(In thousands) | Commercial |  | Real Estate |  | Credit Card |  | Other Consumer and Other |  | Total
Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2020 - prior to adoption of CECL | $ | 22,863 |  |  | $ | 39,161 |  |  | $ | 4,051 |  |  | $ | 2,169 |  |  | $ | 68,244 |
Impact of CECL adoption | 22,733 |  |  | 114,314 |  |  | 2,232 |  |  | 12,098 |  |  | 151,377 |
Provision for credit loss expense | 49,307 |  |  | (2,138) |  |  | 6,693 |  |  | (987) |  |  | 52,875 |
Charge-offs | (36,210) |  |  | (2,220) |  |  | (2,494) |  |  | (1,971) |  |  | (42,895) |
Recoveries | 445 |  |  | 354 |  |  | 497 |  |  | 746 |  |  | 2,042 |
Net charge-offs | (35,765) |  |  | (1,866) |  |  | (1,997) |  |  | (1,225) |  |  | (40,853) |
Ending balance, June 30, 2020 | $ | 59,138 |  |  | $ | 149,471 |  |  | $ | 10,979 |  |  | $ | 12,055 |  |  | $ | 231,643 |
Activity in the allowance for credit losses for the three and six months ended June 30, 2019 was as follows:
(In thousands) | Commercial |  | Real Estate |  | Credit Card |  | Other Consumer and Other |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2019 | $ | 19,394 |  |  | $ | 34,870 |  |  | $ | 3,919 |  |  | $ | 2,372 |  |  | $ | 60,555 |
Provision for credit losses | 2,956 |  |  | 2,681 |  |  | 800 |  |  | 642 |  |  | 7,079 |
Charge-offs | (1,963) |  |  | (1,216) |  |  | (1,039) |  |  | (964) |  |  | (5,182) |
Recoveries | 967 |  |  | 158 |  |  | 271 |  |  | 331 |  |  | 1,727 |
Net charge-offs | (996) |  |  | (1,058) |  |  | (768) |  |  | (633) |  |  | (3,455) |
Ending balance, June 30, 2019 | $ | 21,354 |  |  | $ | 36,493 |  |  | $ | 3,951 |  |  | $ | 2,381 |  |  | $ | 64,179 |
Six Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2019 | $ | 20,514 |  |  | $ | 29,838 |  |  | $ | 3,923 |  |  | $ | 2,419 |  |  | $ | 56,694 |
Provision for credit losses | 4,830 |  |  | 7,988 |  |  | 1,698 |  |  | 1,848 |  |  | 16,364 |
Charge-offs | (5,115) |  |  | (1,633) |  |  | (2,181) |  |  | (2,517) |  |  | (11,446) |
Recoveries | 1,125 |  |  | 300 |  |  | 511 |  |  | 631 |  |  | 2,567 |
Net charge-offs | (3,990) |  |  | (1,333) |  |  | (1,670) |  |  | (1,886) |  |  | (8,879) |
Ending balance, June 30, 2019 | $ | 21,354 |  |  | $ | 36,493 |  |  | $ | 3,951 |  |  | $ | 2,381 |  |  | $ | 64,179 |

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration