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v3.19.1

LOANS AND LEASES (Tables) | 3 Months Ended
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Mar. 31, 2019
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, 2019
|  | Commercial |  | Real Estate |  | Lease |  |
(Dollars in thousands) |  | & industrial |  | Construction |  | Commercial |  | financing |  | Total
Pass |  | $ | 2,443,488 |  |  | $ | 457,508 |  |  | $ | 3,720,197 |  |  | $ | 92,527 |  |  | $ | 6,713,720 |
Special Mention |  | 36,936 |  |  | 0 |  |  | 25,935 |  |  | 365 |  |  | 63,236 |
Substandard |  | 63,003 |  |  | 605 |  |  | 56,047 |  |  | 2,681 |  |  | 122,336 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 2,543,427 |  |  | $ | 458,113 |  |  | $ | 3,802,179 |  |  | $ | 95,573 |  |  | $ | 6,899,292 |
(Dollars in thousands) |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Performing |  | $ | 958,185 |  |  | $ | 790,893 |  |  | $ | 90,515 |  |  | $ | 46,827 |  |  | $ | 1,886,420 |
Nonperforming |  | 16,935 |  |  | 6,225 |  |  | 174 |  |  | 155 |  |  | 23,489 |
Total |  | $ | 975,120 |  |  | $ | 797,118 |  |  | $ | 90,689 |  |  | $ | 46,982 |  |  | $ | 1,909,909 |
|  | As of December 31, 2018
|  | Commercial |  | Real Estate |  | Lease |  |
(Dollars in thousands) |  | & industrial |  | Construction |  | Commercial |  | financing |  | Total
Pass |  | $ | 2,432,834 |  |  | $ | 548,323 |  |  | $ | 3,664,434 |  |  | $ | 90,902 |  |  | $ | 6,736,493 |
Special Mention |  | 24,594 |  |  | 603 |  |  | 38,653 |  |  | 0 |  |  | 63,850 |
Substandard |  | 57,233 |  |  | 9 |  |  | 51,594 |  |  | 2,513 |  |  | 111,349 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 2,514,661 |  |  | $ | 548,935 |  |  | $ | 3,754,681 |  |  | $ | 93,415 |  |  | $ | 6,911,692 |
(Dollars in thousands) |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Performing |  | $ | 939,936 |  |  | $ | 811,108 |  |  | $ | 93,038 |  |  | $ | 46,382 |  |  | $ | 1,890,464 |
Nonperforming |  | 15,710 |  |  | 6,174 |  |  | 174 |  |  | 0 |  |  | 22,058 |
Total |  | $ | 955,646 |  |  | $ | 817,282 |  |  | $ | 93,212 |  |  | $ | 46,382 |  |  | $ | 1,912,522 |
Loan Delinquency, including Nonaccrual Loans | Loan delinquency, including loans classified as nonaccrual, was as follows:
|  | As of March 31, 2019
(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 |  | $ | 917 |  |  | $ | 7,797 |  |  | $ | 8,255 |  |  | $ | 16,969 |  |  | $ | 2,521,040 |  |  | $ | 2,538,009 |  |  | $ | 5,418 |  |  | $ | 2,543,427 |  |  | $ | 23 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 95,573 |  |  | 95,573 |  |  | 0 |  |  | 95,573 |  |  | 0 |
Construction real estate |  | 0 |  |  | 598 |  |  | 0 |  |  | 598 |  |  | 457,323 |  |  | 457,921 |  |  | 192 |  |  | 458,113 |  |  | 0 |
Commercial real estate |  | 1,695 |  |  | 1,103 |  |  | 13,462 |  |  | 16,260 |  |  | 3,738,962 |  |  | 3,755,222 |  |  | 46,957 |  |  | 3,802,179 |  |  | 0 |
Residential real estate |  | 3,329 |  |  | 1,495 |  |  | 4,326 |  |  | 9,150 |  |  | 933,896 |  |  | 943,046 |  |  | 32,074 |  |  | 975,120 |  |  | 0 |
Home equity |  | 2,960 |  |  | 1,046 |  |  | 2,702 |  |  | 6,708 |  |  | 787,129 |  |  | 793,837 |  |  | 3,281 |  |  | 797,118 |  |  | 0 |
Installment |  | 317 |  |  | 30 |  |  | 84 |  |  | 431 |  |  | 89,837 |  |  | 90,268 |  |  | 421 |  |  | 90,689 |  |  | 0 |
Credit card |  | 193 |  |  | 206 |  |  | 155 |  |  | 554 |  |  | 46,428 |  |  | 46,982 |  |  | 0 |  |  | 46,982 |  |  | 155 |
Total |  | $ | 9,411 |  |  | $ | 12,275 |  |  | $ | 28,984 |  |  | $ | 50,670 |  |  | $ | 8,670,188 |  |  | $ | 8,720,858 |  |  | $ | 88,343 |  |  | $ | 8,809,201 |  |  | $ | 178 |
|  | As of December 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 |  | $ | 13,369 |  |  | $ | 41 |  |  | $ | 7,423 |  |  | $ | 20,833 |  |  | $ | 2,488,450 |  |  | $ | 2,509,283 |  |  | $ | 5,378 |  |  | $ | 2,514,661 |  |  | $ | 0 |
Lease financing |  | 352 |  |  | 0 |  |  | 0 |  |  | 352 |  |  | 93,063 |  |  | 93,415 |  |  | 0 |  |  | 93,415 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 548,687 |  |  | 548,687 |  |  | 248 |  |  | 548,935 |  |  | 0 |
Commercial real estate |  | 6,279 |  |  | 1,158 |  |  | 12,644 |  |  | 20,081 |  |  | 3,682,455 |  |  | 3,702,536 |  |  | 52,145 |  |  | 3,754,681 |  |  | 0 |
Residential real estate |  | 11,060 |  |  | 2,976 |  |  | 4,535 |  |  | 18,571 |  |  | 902,404 |  |  | 920,975 |  |  | 34,671 |  |  | 955,646 |  |  | 0 |
Home equity |  | 5,245 |  |  | 1,228 |  |  | 2,578 |  |  | 9,051 |  |  | 804,835 |  |  | 813,886 |  |  | 3,396 |  |  | 817,282 |  |  | 0 |
Installment |  | 420 |  |  | 37 |  |  | 145 |  |  | 602 |  |  | 92,128 |  |  | 92,730 |  |  | 482 |  |  | 93,212 |  |  | 0 |
Credit card |  | 541 |  |  | 96 |  |  | 63 |  |  | 700 |  |  | 45,682 |  |  | 46,382 |  |  | 0 |  |  | 46,382 |  |  | 63 |
Total |  | $ | 37,266 |  |  | $ | 5,536 |  |  | $ | 27,388 |  |  | $ | 70,190 |  |  | $ | 8,657,704 |  |  | $ | 8,727,894 |  |  | $ | 96,320 |  |  | $ | 8,824,214 |  |  | $ | 63 |
Loans Restructured During Period | The following tables provide information on loan modifications classified as TDRs during the three months ended March 31, 2019 and 2018:
|  | Three months ended
|  | March 31, 2019 |  | March 31, 2018
(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 |  | 5 |  |  | $ | 7,637 |  |  | $ | 7,661 |  |  | 4 |  |  | $ | 928 |  |  | $ | 913 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 6 |  |  | 1,323 |  |  | 1,232 |  |  | 2 |  |  | 72 |  |  | 72 |
Residential real estate |  | 5 |  |  | 458 |  |  | 458 |  |  | 2 |  |  | 93 |  |  | 93 |
Home equity |  | 1 |  |  | 17 |  |  | 17 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 17 |  |  | $ | 9,435 |  |  | $ | 9,368 |  |  | 8 |  |  | $ | 1,093 |  |  | $ | 1,078 |
For TDRs identified during the three months ended March 31, 2019 and 2018, there were no chargeoffs for the portion of TDRs determined to be uncollectible.
Loans Restructured, Modifications | The following table provides information on how TDRs were modified during the three months ended March 31, 2019 and 2018:
|  | Three months ended
|  | March 31,
(Dollars in thousands) |  | 2019 |  | 2018
Extended maturities |  | $ | 2,877 |  |  | $ | 888 |
Adjusted interest rates |  | 5,284 |  |  | 52 |
Combination of rate and maturity changes |  | 508 |  |  | 0 |
Forbearance |  | 557 |  |  | 0 |
Other (1) |  | 142 |  |  | 138 |
Total |  | $ | 9,368 |  |  | $ | 1,078 |
(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, 2019 |  | December 31, 2018
Impaired loans |  |  |  |
Nonaccrual loans (1) |  |  |  |
Commercial & industrial |  | $ | 19,263 |  |  | $ | 30,925 |
Lease financing |  | 301 |  |  | 22 |
Construction real estate |  | 7 |  |  | 9 |
Commercial real estate |  | 21,082 |  |  | 20,500 |
Residential real estate |  | 13,052 |  |  | 13,495 |
Home equity |  | 5,581 |  |  | 5,580 |
Installment |  | 170 |  |  | 169 |
Nonaccrual loans |  | 59,456 |  |  | 70,700 |
Accruing troubled debt restructurings |  | 22,817 |  |  | 16,109 |
Total impaired loans |  | $ | 82,273 |  |  | $ | 86,809 |
(1) Nonaccrual loans include nonaccrual TDRs of $13.1 million and $22.4 million as of March 31, 2019 and December 31, 2018, respectively.
|  | Three months ended
|  | March 31,
(Dollars in thousands) |  | 2019 |  | 2018
Interest income effect on impaired loans |  |  |  |
Gross amount of interest that would have been recorded under original terms |  | $ | 1,613 |  |  | $ | 802 |
Interest included in income |  |  |  |
Nonaccrual loans |  | 335 |  |  | 80 |
Troubled debt restructurings |  | 236 |  |  | 124 |
Total interest included in income |  | 571 |  |  | 204 |
Net impact on interest income |  | $ | 1,042 |  |  | $ | 598 |
Investment in Impaired Loans | First Financial's investment in impaired loans was as follows:
|  | As of March 31, 2019 |  | As of December 31, 2018
(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 |  | $ | 30,142 |  |  | $ | 46,215 |  |  | $ | 0 |  |  | $ | 36,694 |  |  | $ | 42,561 |  |  | $ | 0 |
Lease financing |  | 301 |  |  | 301 |  |  | 0 |  |  | 22 |  |  | 22 |  |  | 0 |
Construction real estate |  | 8 |  |  | 25 |  |  | 0 |  |  | 9 |  |  | 26 |  |  | 0 |
Commercial real estate |  | 22,708 |  |  | 29,530 |  |  | 0 |  |  | 23,513 |  |  | 31,375 |  |  | 0 |
Residential real estate |  | 16,637 |  |  | 19,237 |  |  | 0 |  |  | 17,297 |  |  | 19,975 |  |  | 0 |
Home equity |  | 6,225 |  |  | 7,232 |  |  | 0 |  |  | 6,351 |  |  | 7,461 |  |  | 0 |
Installment |  | 174 |  |  | 310 |  |  | 0 |  |  | 174 |  |  | 563 |  |  | 0 |
Total |  | 76,195 |  |  | 102,850 |  |  | 0 |  |  | 84,060 |  |  | 101,983 |  |  | 0 |
Loans with an allowance recorded |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | 3,282 |  |  | 3,282 |  |  | 738 |  |  | 939 |  |  | 939 |  |  | 667 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 2,498 |  |  | 3,579 |  |  | 651 |  |  | 1,509 |  |  | 1,509 |  |  | 461 |
Residential real estate |  | 298 |  |  | 298 |  |  | 31 |  |  | 301 |  |  | 301 |  |  | 32 |
Home equity |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 6,078 |  |  | 7,159 |  |  | 1,420 |  |  | 2,749 |  |  | 2,749 |  |  | 1,160 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | 33,424 |  |  | 49,497 |  |  | 738 |  |  | 37,633 |  |  | 43,500 |  |  | 667 |
Lease financing |  | 301 |  |  | 301 |  |  | 0 |  |  | 22 |  |  | 22 |  |  | 0 |
Construction real estate |  | 8 |  |  | 25 |  |  | 0 |  |  | 9 |  |  | 26 |  |  | 0 |
Commercial real estate |  | 25,206 |  |  | 33,109 |  |  | 651 |  |  | 25,022 |  |  | 32,884 |  |  | 461 |
Residential real estate |  | 16,935 |  |  | 19,535 |  |  | 31 |  |  | 17,598 |  |  | 20,276 |  |  | 32 |
Home equity |  | 6,225 |  |  | 7,232 |  |  | 0 |  |  | 6,351 |  |  | 7,461 |  |  | 0 |
Installment |  | 174 |  |  | 310 |  |  | 0 |  |  | 174 |  |  | 563 |  |  | 0 |
Total |  | $ | 82,273 |  |  | $ | 110,009 |  |  | $ | 1,420 |  |  | $ | 86,809 |  |  | $ | 104,732 |  |  | $ | 1,160 |
First Financial's average impaired loans by class and interest income recognized by class was as follows:
|  | Three months ended
|  | March 31, 2019 |  | March 31, 2018
(Dollars in thousands) |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Loans with no related allowance recorded |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 33,418 |  |  | $ | 279 |  |  | $ | 7,867 |  |  | $ | 26 |
Lease financing |  | 162 |  |  | 0 |  |  | 41 |  |  | 0 |
Construction real estate |  | 9 |  |  | 0 |  |  | 28 |  |  | 1 |
Commercial real estate |  | 23,111 |  |  | 103 |  |  | 21,400 |  |  | 99 |
Residential real estate |  | 16,967 |  |  | 86 |  |  | 6,503 |  |  | 47 |
Home equity |  | 6,288 |  |  | 38 |  |  | 4,214 |  |  | 20 |
Installment |  | 174 |  |  | 1 |  |  | 281 |  |  | 0 |
Total |  | 80,129 |  |  | 507 |  |  | 40,334 |  |  | 193 |
Loans with an allowance recorded |  |  |  |  |  |  |  |
Commercial & industrial |  | 2,111 |  |  | 43 |  |  | 204 |  |  | 0 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 2,004 |  |  | 19 |  |  | 1,739 |  |  | 3 |
Residential real estate |  | 300 |  |  | 2 |  |  | 1,051 |  |  | 7 |
Home equity |  | 0 |  |  | 0 |  |  | 101 |  |  | 1 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 4,415 |  |  | 64 |  |  | 3,095 |  |  | 11 |
Total |  |  |  |  |  |  |  |
Commercial & industrial |  | 35,529 |  |  | 322 |  |  | 8,071 |  |  | 26 |
Lease financing |  | 162 |  |  | 0 |  |  | 41 |  |  | 0 |
Construction real estate |  | 9 |  |  | 0 |  |  | 28 |  |  | 1 |
Commercial real estate |  | 25,115 |  |  | 122 |  |  | 23,139 |  |  | 102 |
Residential real estate |  | 17,267 |  |  | 88 |  |  | 7,554 |  |  | 54 |
Home equity |  | 6,288 |  |  | 38 |  |  | 4,315 |  |  | 21 |
Installment |  | 174 |  |  | 1 |  |  | 281 |  |  | 0 |
Total |  | $ | 84,544 |  |  | $ | 571 |  |  | $ | 43,429 |  |  | $ | 204 |
Changes in Other Real Estate Owned | Changes in OREO were as follows:
|  | Three months ended
|  | March 31,
(Dollars in thousands) |  | 2019 |  | 2018
Balance at beginning of period |  | $ | 1,401 |  |  | $ | 2,781 |
Additions |  |  |  |
Commercial & industrial |  | 0 |  |  | 170 |
Residential real estate |  | 504 |  |  | 459 |
Total additions |  | 504 |  |  | 629 |
Disposals |  |  |  |  |
Commercial & industrial |  | (22 | ) |  | (2,104 | )
Residential real estate |  | (161 | ) |  | (118 | )
Total disposals |  | (183 | ) |  | (2,222 | )
Valuation adjustment |  |  |  |  |
Commercial & industrial |  | 0 |  |  | (97 | )
Residential real estate |  | (57 | ) |  | (26 | )
Total valuation adjustment |  | (57 | ) |  | (123 | )
Balance at end of period |  | $ | 1,665 |  |  | $ | 1,065 |

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