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ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Allowance for Credit Losses by Classification | Changes in the allowance by loan category were as follows:
|  | Three months ended March 31, 2020
|  |  |  |  |  | Real Estate |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial & industrial |  | Lease financing |  | Construction real estate |  | Commercial real estate |  | Residential real estate |  | Home Equity |  | Installment |  | Credit card |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 18,584 |  |  | $ | 971 |  |  | $ | 2,381 |  |  | $ | 23,579 |  |  | $ | 5,299 |  |  | $ | 4,787 |  |  | $ | 392 |  |  | $ | 1,657 |  |  | $ | 57,650 |
Impact of adopting ASC 326 |  | 9,901 |  |  | 118 |  |  | 11,579 |  |  | 24,118 |  |  | 5,490 |  |  | 8,430 |  |  | 801 |  |  | 1,068 |  |  | 61,505 |
Provision for credit losses |  | 16,016 |  |  | 405 |  |  | (449 | ) |  | 5,227 |  |  | 558 |  |  | 1,538 |  |  | 75 |  |  | 510 |  |  | 23,880 |
Gross charge-offs |  | (1,091 | ) |  | 0 |  |  | 0 |  |  | (4 | ) |  | (115 | ) |  | (267 | ) |  | (61 | ) |  | (311 | ) |  | (1,849 | )
Recoveries |  | 2,000 |  |  | 0 |  |  | 0 |  |  | 234 |  |  | 52 |  |  | 339 |  |  | 31 |  |  | 43 |  |  | 2,699 |
Total net charge-offs |  | 909 |  |  | 0 |  |  | 0 |  |  | 230 |  |  | (63 | ) |  | 72 |  |  | (30 | ) |  | (268 | ) |  | 850 |
Ending allowance for credit losses |  | $ | 45,410 |  |  | $ | 1,494 |  |  | $ | 13,511 |  |  | $ | 53,154 |  |  | $ | 11,284 |  |  | $ | 14,827 |  |  | $ | 1,238 |  |  | $ | 2,967 |  |  | $ | 143,885 |
|  | Three months ended March 31, 2019
(Dollars in thousands) |  | Commercial & industrial |  | Lease financing |  | Construction real estate |  | Commercial real estate |  | Residential real estate |  | Home Equity |  | Installment |  | Credit card |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 18,746 |  |  | $ | 1,130 |  |  | $ | 3,413 |  |  | $ | 21,048 |  |  | $ | 4,964 |  |  | $ | 5,348 |  |  | $ | 362 |  |  | $ | 1,531 |  |  | $ | 56,542 |
Provision for credit losses |  | 13,268 |  |  | 343 |  |  | (683 | ) |  | 493 |  |  | 125 |  |  | 185 |  |  | 19 |  |  | 333 |  |  | 14,083 |
Loans charged off |  | (12,328 | ) |  | (100 | ) |  | 0 |  |  | (1,214 | ) |  | (82 | ) |  | (468 | ) |  | (49 | ) |  | (341 | ) |  | (14,582 | )
Recoveries |  | 240 |  |  | 0 |  |  | 63 |  |  | 73 |  |  | 36 |  |  | 185 |  |  | 48 |  |  | 34 |  |  | 679 |
Total net charge-offs |  | (12,088 | ) |  | (100 | ) |  | 63 |  |  | (1,141 | ) |  | (46 | ) |  | (283 | ) |  | (1 | ) |  | (307 | ) |  | (13,903 | )
Ending allowance for credit losses |  | $ | 19,926 |  |  | $ | 1,373 |  |  | $ | 2,793 |  |  | $ | 20,400 |  |  | $ | 5,043 |  |  | $ | 5,250 |  |  | $ | 380 |  |  | $ | 1,557 |  |  | $ | 56,722 |
The ACL balance and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 was as follows:
|  | As of December 31, 2019
(Dollars in thousands) |  | Commercial & industrial |  | Lease financing |  | Construction real estate |  | Commercial real estate |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Ending allowance balance attributable to loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,044 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 113 |  |  | $ | 18 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,175 |
Collectively evaluated for impairment |  | 16,540 |  |  | 971 |  |  | 2,381 |  |  | 23,466 |  |  | 5,281 |  |  | 4,787 |  |  | 392 |  |  | 1,657 |  |  | 55,475 |
Ending allowance for credit losses |  | $ | 18,584 |  |  | $ | 971 |  |  | $ | 2,381 |  |  | $ | 23,579 |  |  | $ | 5,299 |  |  | $ | 4,787 |  |  | $ | 392 |  |  | $ | 1,657 |  |  | $ | 57,650 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 27,480 |  |  | $ | 223 |  |  | $ | 0 |  |  | $ | 10,831 |  |  | $ | 15,162 |  |  | $ | 5,700 |  |  | $ | 204 |  |  | $ | 0 |  |  | $ | 59,600 |
Collectively evaluated for impairment |  | 2,438,397 |  |  | 88,141 |  |  | 493,182 |  |  | 4,183,820 |  |  | 1,040,787 |  |  | 766,169 |  |  | 82,385 |  |  | 49,184 |  |  | 9,142,065 |
Total loans |  | $ | 2,465,877 |  |  | $ | 88,364 |  |  | $ | 493,182 |  |  | $ | 4,194,651 |  |  | $ | 1,055,949 |  |  | $ | 771,869 |  |  | $ | 82,589 |  |  | $ | 49,184 |  |  | $ | 9,201,665 |

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- 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=118936363&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=119407570&loc=SL82919249-210447 + Details
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