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LOANS AND LEASES (Tables) | 3 Months Ended
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Mar. 31, 2018
Receivables [Abstract] |
Commercial and Consumer Credit Exposure by Risk Attribute | Commercial and consumer credit exposure by risk attribute was as follows:
|  | As of March 31, 2018
|  | Commercial |  | Real Estate |  | Lease |  |
(Dollars in thousands) |  | & industrial |  | Construction |  | Commercial |  | financing |  | Total
Pass |  | $ | 1,911,912 |  |  | $ | 482,679 |  |  | $ | 2,502,882 |  |  | $ | 80,489 |  |  | $ | 4,977,962 |
Special Mention |  | 5,228 |  |  | 11,947 |  |  | 6,422 |  |  | 0 |  |  | 23,597 |
Substandard |  | 26,601 |  |  | 39 |  |  | 34,747 |  |  | 1,128 |  |  | 62,515 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 1,943,741 |  |  | $ | 494,665 |  |  | $ | 2,544,051 |  |  | $ | 81,617 |  |  | $ | 5,064,074 |
(Dollars in thousands) |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Performing |  | $ | 461,409 |  |  | $ | 479,470 |  |  | $ | 38,942 |  |  | $ | 46,472 |  |  | $ | 1,026,293 |
Nonperforming |  | 7,175 |  |  | 4,173 |  |  | 306 |  |  | 0 |  |  | 11,654 |
Total |  | $ | 468,584 |  |  | $ | 483,643 |  |  | $ | 39,248 |  |  | $ | 46,472 |  |  | $ | 1,037,947 |
|  | As of December 31, 2017
|  | Commercial |  | Real Estate |  | Lease |  |
(Dollars in thousands) |  | & industrial |  | Construction |  | Commercial |  | financing |  | Total
Pass |  | $ | 1,882,464 |  |  | $ | 467,687 |  |  | $ | 2,446,999 |  |  | $ | 88,078 |  |  | $ | 4,885,228 |
Special Mention |  | 6,226 |  |  | 0 |  |  | 4,436 |  |  | 0 |  |  | 10,662 |
Substandard |  | 24,053 |  |  | 43 |  |  | 38,656 |  |  | 1,269 |  |  | 64,021 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 1,912,743 |  |  | $ | 467,730 |  |  | $ | 2,490,091 |  |  | $ | 89,347 |  |  | $ | 4,959,911 |
(Dollars in thousands) |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Performing |  | $ | 463,459 |  |  | $ | 489,148 |  |  | $ | 41,331 |  |  | $ | 46,691 |  |  | $ | 1,040,629 |
Nonperforming |  | 7,932 |  |  | 4,456 |  |  | 255 |  |  | 0 |  |  | 12,643 |
Total |  | $ | 471,391 |  |  | $ | 493,604 |  |  | $ | 41,586 |  |  | $ | 46,691 |  |  | $ | 1,053,272 |
Loan Delinquency, including Nonaccrual Loans | Loan delinquency, including loans classified as nonaccrual, was as follows:
|  | As of March 31, 2018
(Dollars in thousands) |  | 30 – 59 days past due |  | 60 – 89 days past due |  | > 90 days past due |  | Total past due |  | Current |  | Subtotal |  | Purchased impaired |  | Total |  | > 90 days past due and still accruing
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 1,399 |  |  | $ | 4,857 |  |  | $ | 1,323 |  |  | $ | 7,579 |  |  | $ | 1,933,461 |  |  | $ | 1,941,040 |  |  | $ | 2,701 |  |  | $ | 1,943,741 |  |  | $ | 0 |
Lease financing |  | 943 |  |  | 0 |  |  | 0 |  |  | 943 |  |  | 80,674 |  |  | 81,617 |  |  | 0 |  |  | 81,617 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 494,389 |  |  | 494,389 |  |  | 276 |  |  | 494,665 |  |  | 0 |
Commercial real estate |  | 236 |  |  | 3,317 |  |  | 12,255 |  |  | 15,808 |  |  | 2,475,106 |  |  | 2,490,914 |  |  | 53,137 |  |  | 2,544,051 |  |  | 0 |
Residential real estate |  | 497 |  |  | 341 |  |  | 1,359 |  |  | 2,197 |  |  | 427,689 |  |  | 429,886 |  |  | 38,698 |  |  | 468,584 |  |  | 0 |
Home equity |  | 1,395 |  |  | 508 |  |  | 2,000 |  |  | 3,903 |  |  | 476,446 |  |  | 480,349 |  |  | 3,294 |  |  | 483,643 |  |  | 0 |
Installment |  | 284 |  |  | 74 |  |  | 271 |  |  | 629 |  |  | 38,018 |  |  | 38,647 |  |  | 601 |  |  | 39,248 |  |  | 0 |
Credit card |  | 459 |  |  | 228 |  |  | 529 |  |  | 1,216 |  |  | 45,256 |  |  | 46,472 |  |  | 0 |  |  | 46,472 |  |  | 529 |
Total |  | $ | 5,213 |  |  | $ | 9,325 |  |  | $ | 17,737 |  |  | $ | 32,275 |  |  | $ | 5,971,039 |  |  | $ | 6,003,314 |  |  | $ | 98,707 |  |  | $ | 6,102,021 |  |  | $ | 529 |
|  | As of December 31, 2017
(Dollars in thousands) |  | 30 – 59 days past due |  | 60 – 89 days past due |  | > 90 days past due |  | Total past due |  | Current |  | Subtotal |  | Purchased impaired |  | Total |  | > 90 days past due and still accruing
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 755 |  |  | $ | 1,657 |  |  | $ | 5,078 |  |  | $ | 7,490 |  |  | $ | 1,901,821 |  |  | $ | 1,909,311 |  |  | $ | 3,432 |  |  | $ | 1,912,743 |  |  | $ | 0 |
Lease financing |  | 485 |  |  | 0 |  |  | 0 |  |  | 485 |  |  | 88,862 |  |  | 89,347 |  |  | 0 |  |  | 89,347 |  |  | 0 |
Construction real estate |  | 234 |  |  | 0 |  |  | 0 |  |  | 234 |  |  | 467,216 |  |  | 467,450 |  |  | 280 |  |  | 467,730 |  |  | 0 |
Commercial real estate |  | 1,716 |  |  | 201 |  |  | 8,777 |  |  | 10,694 |  |  | 2,419,969 |  |  | 2,430,663 |  |  | 59,428 |  |  | 2,490,091 |  |  | 0 |
Residential real estate |  | 526 |  |  | 811 |  |  | 1,992 |  |  | 3,329 |  |  | 430,500 |  |  | 433,829 |  |  | 37,562 |  |  | 471,391 |  |  | 0 |
Home equity |  | 2,716 |  |  | 394 |  |  | 1,753 |  |  | 4,863 |  |  | 485,127 |  |  | 489,990 |  |  | 3,614 |  |  | 493,604 |  |  | 0 |
Installment |  | 179 |  |  | 29 |  |  | 205 |  |  | 413 |  |  | 40,529 |  |  | 40,942 |  |  | 644 |  |  | 41,586 |  |  | 0 |
Credit card |  | 285 |  |  | 87 |  |  | 62 |  |  | 434 |  |  | 46,257 |  |  | 46,691 |  |  | 0 |  |  | 46,691 |  |  | 62 |
Total |  | $ | 6,896 |  |  | $ | 3,179 |  |  | $ | 17,867 |  |  | $ | 27,942 |  |  | $ | 5,880,281 |  |  | $ | 5,908,223 |  |  | $ | 104,960 |  |  | $ | 6,013,183 |  |  | $ | 62 |
Loans Restructured During Period | The following tables provide information on loan modifications classified as TDRs during the three months ended March 31, 2018 and 2017:
| Three months ended
| March 31, 2018 |  | March 31, 2017
(Dollars in thousands) | Number of loans |  | Pre-modification loan balance |  | Period end balance |  | Number of loans |  | Pre-modification loan balance |  | Period end balance
Commercial & industrial | 4 |  |  | $ | 928 |  |  | $ | 913 |  |  | 2 |  |  | $ | 3,502 |  |  | $ | 3,441 |
Construction real estate | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate | 2 |  |  | 72 |  |  | 72 |  |  | 0 |  |  | 0 |  |  | 0 |
Residential real estate | 2 |  |  | 93 |  |  | 93 |  |  | 0 |  |  | 0 |  |  | 0 |
Home equity | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | 8 |  |  | $ | 1,093 |  |  | $ | 1,078 |  |  | 2 |  |  | $ | 3,502 |  |  | $ | 3,441 |
Loans Restructured, Modifications | The following table provides information on how TDRs were modified during the three months ended March 31, 2018 and 2017:
| Three months ended
| March 31,
(Dollars in thousands) | 2018 |  | 2017
Extended maturities | $ | 888 |  |  | $ | 674 |
Adjusted interest rates | 52 |  |  | 2,767 |
Combination of rate and maturity changes | 0 |  |  | 0 |
Forbearance | 0 |  |  | 0 |
Other (1) | 138 |  |  | 0 |
Total | $ | 1,078 |  |  | $ | 3,441 |
(1) Includes covenant modifications and other concessions, or combination of concessions, that do not consist of interest rate adjustments, forbearance and maturity extensions
Nonaccrual, Restructured and Impaired Loans | The following table provides information on impaired loans, excluding purchased impaired loans:
(Dollars in thousands) |  | March 31, 2018 |  | December 31, 2017
Impaired loans |  |  |  |
Nonaccrual loans (1) |  |  |  |
Commercial & industrial |  | $ | 6,275 |  |  | $ | 5,229 |
Lease financing |  | 0 |  |  | 82 |
Construction real estate |  | 26 |  |  | 29 |
Commercial real estate |  | 16,878 |  |  | 10,616 |
Residential real estate |  | 3,324 |  |  | 4,140 |
Home equity |  | 3,484 |  |  | 3,743 |
Installment |  | 296 |  |  | 243 |
Nonaccrual loans |  | 30,283 |  |  | 24,082 |
Accruing troubled debt restructurings |  | 14,943 |  |  | 17,545 |
Total impaired loans |  | $ | 45,226 |  |  | $ | 41,627 |
(1) Nonaccrual loans include nonaccrual TDRs of $6.0 million and $6.4 million as of March 31, 2018 and December 31, 2017, respectively.
|  | Three months ended
|  | March 31,
(Dollars in thousands) |  | 2018 |  | 2017
Interest income effect on impaired loans |  |  |  |
Gross amount of interest that would have been recorded under original terms |  | $ | 802 |  |  | $ | 816 |
Interest included in income |  |  |  |
Nonaccrual loans |  | 80 |  |  | 142 |
Troubled debt restructurings |  | 124 |  |  | 226 |
Total interest included in income |  | 204 |  |  | 368 |
Net impact on interest income |  | $ | 598 |  |  | $ | 448 |
Investment in Impaired Loans | First Financial's investment in impaired loans was as follows:
|  | As of March 31, 2018 |  | As of December 31, 2017
(Dollars in thousands) |  | Current balance |  | Contractual principal balance |  | Related allowance |  | Current balance |  | Contractual principal balance |  | Related allowance
Loans with no related allowance recorded |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 8,571 |  |  | $ | 8,777 |  |  | $ | 0 |  |  | $ | 7,162 |  |  | $ | 8,460 |  |  | $ | 0 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 82 |  |  | 82 |  |  | 0 |
Construction real estate |  | 26 |  |  | 58 |  |  | 0 |  |  | 29 |  |  | 60 |  |  | 0 |
Commercial real estate |  | 24,377 |  |  | 28,871 |  |  | 0 |  |  | 18,423 |  |  | 20,837 |  |  | 0 |
Residential real estate |  | 6,130 |  |  | 7,282 |  |  | 0 |  |  | 6,876 |  |  | 8,145 |  |  | 0 |
Home equity |  | 4,072 |  |  | 4,884 |  |  | 0 |  |  | 4,356 |  |  | 5,399 |  |  | 0 |
Installment |  | 306 |  |  | 469 |  |  | 0 |  |  | 255 |  |  | 422 |  |  | 0 |
Total |  | 43,482 |  |  | 50,341 |  |  | 0 |  |  | 37,183 |  |  | 43,405 |  |  | 0 |
Loans with an allowance recorded |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | 239 |  |  | 317 |  |  | 100 |  |  | 169 |  |  | 169 |  |  | 169 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 359 |  |  | 359 |  |  | 26 |  |  | 3,119 |  |  | 3,120 |  |  | 448 |
Residential real estate |  | 1,045 |  |  | 1,045 |  |  | 160 |  |  | 1,056 |  |  | 1,063 |  |  | 160 |
Home equity |  | 101 |  |  | 101 |  |  | 2 |  |  | 100 |  |  | 100 |  |  | 2 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 1,744 |  |  | 1,822 |  |  | 288 |  |  | 4,444 |  |  | 4,452 |  |  | 779 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | 8,810 |  |  | 9,094 |  |  | 100 |  |  | 7,331 |  |  | 8,629 |  |  | 169 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 82 |  |  | 82 |  |  | 0 |
Construction real estate |  | 26 |  |  | 58 |  |  | 0 |  |  | 29 |  |  | 60 |  |  | 0 |
Commercial real estate |  | 24,736 |  |  | 29,230 |  |  | 26 |  |  | 21,542 |  |  | 23,957 |  |  | 448 |
Residential real estate |  | 7,175 |  |  | 8,327 |  |  | 160 |  |  | 7,932 |  |  | 9,208 |  |  | 160 |
Home equity |  | 4,173 |  |  | 4,985 |  |  | 2 |  |  | 4,456 |  |  | 5,499 |  |  | 2 |
Installment |  | 306 |  |  | 469 |  |  | 0 |  |  | 255 |  |  | 422 |  |  | 0 |
Total |  | $ | 45,226 |  |  | $ | 52,163 |  |  | $ | 288 |  |  | $ | 41,627 |  |  | $ | 47,857 |  |  | $ | 779 |
First Financial's average impaired loans by class and interest income recognized by class was as follows:
| Three months ended
| March 31, 2018 |  | March 31, 2017
(Dollars in thousands) | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Loans with no related allowance recorded |  |  |  |  |  |  |
Commercial & industrial | $ | 7,867 |  |  | $ | 26 |  |  | $ | 15,607 |  |  | $ | 109 |
Lease financing | 41 |  |  | 0 |  |  | 149 |  |  | 1 |
Construction real estate | 28 |  |  | 1 |  |  | 538 |  |  | 0 |
Commercial real estate | 21,400 |  |  | 99 |  |  | 19,939 |  |  | 160 |
Residential real estate | 6,503 |  |  | 47 |  |  | 8,033 |  |  | 46 |
Home equity | 4,214 |  |  | 20 |  |  | 4,111 |  |  | 24 |
Installment | 281 |  |  | 0 |  |  | 413 |  |  | 2 |
Total | 40,334 |  |  | 193 |  |  | 48,790 |  |  | 342 |
Loans with an allowance recorded |  |  |  |  |  |  |
Commercial & industrial | 204 |  |  | 0 |  |  | 1,094 |  |  | 13 |
Lease financing | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate | 1,739 |  |  | 3 |  |  | 4,374 |  |  | 5 |
Residential real estate | 1,051 |  |  | 7 |  |  | 1,185 |  |  | 7 |
Home equity | 101 |  |  | 1 |  |  | 101 |  |  | 1 |
Installment | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | 3,095 |  |  | 11 |  |  | 6,754 |  |  | 26 |
Total |  |  |  |  |  |  |
Commercial & industrial | 8,071 |  |  | 26 |  |  | 16,701 |  |  | 122 |
Lease financing | 41 |  |  | 0 |  |  | 149 |  |  | 1 |
Construction real estate | 28 |  |  | 1 |  |  | 538 |  |  | 0 |
Commercial real estate | 23,139 |  |  | 102 |  |  | 24,313 |  |  | 165 |
Residential real estate | 7,554 |  |  | 54 |  |  | 9,218 |  |  | 53 |
Home equity | 4,315 |  |  | 21 |  |  | 4,212 |  |  | 25 |
Installment | 281 |  |  | 0 |  |  | 413 |  |  | 2 |
Total | $ | 43,429 |  |  | $ | 204 |  |  | $ | 55,544 |  |  | $ | 368 |
Changes in Other Real Estate Owned | Changes in OREO were as follows:
|  | Three months ended
|  | March 31,
(Dollars in thousands) |  | 2018 |  | 2017
Balance at beginning of period |  | $ | 2,781 |  |  | $ | 6,284 |
Additions |  |  |  |
Commercial & industrial |  | 170 |  |  | 122 |
Residential real estate |  | 459 |  |  | 165 |
Total additions |  | 629 |  |  | 287 |
Disposals |  |  |  |  |
Commercial & industrial |  | (2,104 | ) |  | (925 | )
Residential real estate |  | (118 | ) |  | (237 | )
Total disposals |  | (2,222 | ) |  | (1,162 | )
Valuation adjustment |  |  |  |  |
Commercial & industrial |  | (97 | ) |  | (46 | )
Residential real estate |  | (26 | ) |  | (63 | )
Total valuation adjustment |  | (123 | ) |  | (109 | )
Balance at end of period |  | $ | 1,065 |  |  | $ | 5,300 |

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- 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/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953401-111524 + Details
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