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LOANS AND LEASES (Tables)

3 Months Ended

Mar. 31, 2021

Receivables [Abstract]

Financial Receivable Credit Quality Indicators

The following table sets forth the Company's loan portfolio at March 31, 2021 by risk attribute and origination date:

(Dollars in thousands)						2021						2020						2019						2018						2017						Prior						Term Total						Revolving						Total
Commercial & industrial
Pass						$	366,213					$	978,739					$	421,400					$	268,946					$	193,605					$	223,038					$	2,451,941					$	484,869					$	2,936,810
Special mention						0						4,012						6,521						15,318						5,520						14,225						45,596						7,444						53,040
Substandard						4						781						18,440						1,592						19,498						6,514						46,829						8,146						54,975
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	366,217					$	983,532					$	446,361					$	285,856					$	218,623					$	243,777					$	2,544,366					$	500,459					$	3,044,825
Lease financing
Pass						$	5,144					$	23,238					$	13,968					$	12,055					$	6,148					$	5,554					$	66,107					$	0					$	66,107
Special mention						0						262						0						0						0						0						262						0						262
Substandard						0						3						0						0						154						48						205						0						205
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	5,144					$	23,503					$	13,968					$	12,055					$	6,302					$	5,602					$	66,574					$	0					$	66,574
Construction real estate
Pass						$	2,020					$	111,299					$	313,468					$	119,471					$	23,109					$	13,616					$	582,983					$	26,549					$	609,532
Special mention						0						0						621						18,203						0						640						19,464						0						19,464
Substandard						0						0						13,713						0						0						0						13,713						0						13,713
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	2,020					$	111,299					$	327,802					$	137,674					$	23,109					$	14,256					$	616,160					$	26,549					$	642,709
Commercial real estate - investor
Pass						$	133,166					$	496,717					$	1,040,587					$	404,440					$	367,020					$	604,733					$	3,046,663					$	60,055					$	3,106,718
Special mention						155						1,884						17,738						15,440						54,438						69,864						159,519						49						159,568
Substandard						0						6,203						11,739						35,233						7,000						21,105						81,280						121						81,401
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	133,321					$	504,804					$	1,070,064					$	455,113					$	428,458					$	695,702					$	3,287,462					$	60,225					$	3,347,687
Commercial real estate - owner
Pass						$	25,535					$	197,722					$	156,909					$	138,347					$	126,865					$	296,748					$	942,126					$	34,262					$	976,388
Special mention						0						4,533						1,859						2,582						8,098						24,559						41,631						59						41,690
Substandard						63						649						9,964						13,169						3,006						3,928						30,779						38						30,817
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	25,598					$	202,904					$	168,732					$	154,098					$	137,969					$	325,235					$	1,014,536					$	34,359					$	1,048,895
Residential real estate
Performing						$	40,728					$	281,000					$	212,472					$	103,366					$	54,096					$	250,183					$	941,845					$	0					$	941,845
Nonperforming						0						194						521						150						376						3,436						4,677						0						4,677
Total						$	40,728					$	281,194					$	212,993					$	103,516					$	54,472					$	253,619					$	946,522					$	0					$	946,522
Home equity
Performing						$	10,325					$	56,532					$	18,679					$	15,669					$	10,278					$	45,639					$	157,122					$	549,459					$	706,581
Nonperforming						0						0						60						99						65						259						483						2,603						3,086

(Dollars in thousands)						2021						2020						2019						2018						2017						Prior						Term Total						Revolving						Total
Total						$	10,325					$	56,532					$	18,739					$	15,768					$	10,343					$	45,898					$	157,605					$	552,062					$	709,667
Installment
Performing						$	4,883					$	19,420					$	13,567					$	9,569					$	7,462					$	4,209					$	59,110					$	23,154					$	82,264
Nonperforming						10						40						40						11						7						14						122						35						157
Total						$	4,893					$	19,460					$	13,607					$	9,580					$	7,469					$	4,223					$	59,232					$	23,189					$	82,421
Credit cards
Performing						$	0					$	0					$	0					$	0					$	0					$	555					$	555					$	43,683					$	44,238
Nonperforming						0						0						0						0						0						0						0						431						431
Total						$	0					$	0					$	0					$	0					$	0					$	555					$	555					$	44,114					$	44,669
Grand Total						$	588,246					$	2,183,228					$	2,272,266					$	1,173,660					$	886,745					$	1,588,867					$	8,693,012					$	1,240,957					$	9,933,969

The following table sets forth the Company's loan portfolio at December 31, 2020 by risk attribute and origination date:

(Dollars in thousands)						2020						2019						2018						2017						2016						Prior						Term Total						Revolving						Total
Commercial & industrial
Pass						$	1,141,163					$	460,210					$	296,221					$	208,077					$	122,686					$	138,307					$	2,366,664					$	502,286					$	2,868,950
Special mention						24,668						10,281						18,118						6,893						6,668						6,090						72,718						10,470						83,188
Substandard						6,709						2,370						8,022						26,565						5,124						1,192						49,982						5,389						55,371
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	1,172,540					$	472,861					$	322,361					$	241,535					$	134,478					$	145,589					$	2,489,364					$	518,145					$	3,007,509
Lease financing
Pass						$	22,916					$	22,397					$	12,942					$	6,967					$	4,802					$	2,368					$	72,392					$	0					$	72,392
Special mention						290						0						0						0						0						0						290						0						290
Substandard						5						0						0						180						120						0						305						0						305
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	23,211					$	22,397					$	12,942					$	7,147					$	4,922					$	2,368					$	72,987					$	0					$	72,987
Construction real estate
Pass						$	96,410					$	259,524					$	182,625					$	23,185					$	24,786					$	426					$	586,956					$	19,671					$	606,627
Special mention						0						621						18,203						9,984						661						0						29,469						0						29,469
Substandard						0						0						0						0						0						0						0						0						0
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	96,410					$	260,145					$	200,828					$	33,169					$	25,447					$	426					$	616,425					$	19,671					$	636,096
Commercial real estate - investor
Pass						$	515,950					$	1,011,898					$	427,077					$	378,536					$	286,587					$	361,403					$	2,981,451					$	56,398					$	3,037,849
Special mention						0						17,463						15,534						44,426						32,408						43,704						153,535						559						154,094
Substandard						6,198						2,043						22,497						7,067						68						14,724						52,597						0						52,597
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	522,148					$	1,031,404					$	465,108					$	430,029					$	319,063					$	419,831					$	3,187,583					$	56,957					$	3,244,540
Commercial real estate - owner
Pass						$	185,692					$	162,480					$	147,236					$	125,275					$	128,755					$	211,519					$	960,957					$	36,721					$	997,678
Special mention						4,292						11,380						2,891						8,230						3,017						19,384						49,194						59						49,253
Substandard						668						504						7,054						5,496						306						2,321						16,349						38						16,387
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	190,652					$	174,364					$	157,181					$	139,001					$	132,078					$	233,224					$	1,026,500					$	36,818					$	1,063,318

(Dollars in thousands)						2020						2019						2018						2017						2016						Prior						Term Total						Revolving						Total
Residential real estate
Performing						$	290,277					$	241,601					$	115,747					$	64,220					$	60,094					$	224,281					$	996,220					$	0					$	996,220
Nonperforming						321						429						673						643						87						4,713						6,866						0						6,866
Total						$	290,598					$	242,030					$	116,420					$	64,863					$	60,181					$	228,994					$	1,003,086					$	0					$	1,003,086
Home equity
Performing						$	60,967					$	20,200					$	17,445					$	11,308					$	9,744					$	41,571					$	161,235					$	577,609					$	738,844
Nonperforming						0						0						0						39						28						138						205						4,050						4,255
Total						$	60,967					$	20,200					$	17,445					$	11,347					$	9,772					$	41,709					$	161,440					$	581,659					$	743,099
Installment
Performing						$	21,584					$	15,614					$	11,041					$	8,812					$	1,954					$	3,185					$	62,190					$	19,479					$	81,669
Nonperforming						15						53						23						35						17						36						179						2						181
Total						$	21,599					$	15,667					$	11,064					$	8,847					$	1,971					$	3,221					$	62,369					$	19,481					$	81,850
Credit cards
Performing						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	47,845					$	47,845
Nonperforming						0						0						0						0						0						0						0						640						640
Total						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	48,485					$	48,485
Grand Total						$	2,378,125					$	2,239,068					$	1,303,349					$	935,938					$	687,912					$	1,075,362					$	8,619,754					$	1,281,216					$	9,900,970

Loan Delinquency, including Nonaccrual Loans

Loan delinquency, including loans classified as nonaccrual, was as follows:

						As of March 31, 2021
(Dollars in thousands)						30 – 59 days past due						60 – 89 days past due						> 90 days past due						Total past due						Current						Total						> 90 days past due and still accruing
Loans
Commercial & industrial						$	358					$	1,577					$	3,728					$	5,663					$	3,039,162					$	3,044,825					$	0
Lease financing						0						0						0						0						66,574						66,574						0
Construction real estate						0						0						0						0						642,709						642,709						0
Commercial real estate-investor						1,926						0						16,489						18,415						3,329,272						3,347,687						0
Commercial real estate-owner						50						373						285						708						1,048,187						1,048,895						0
Residential real estate						1,584						596						2,498						4,678						941,844						946,522						0
Home equity						972						355						1,758						3,085						706,582						709,667						0
Installment						116						12						29						157						82,264						82,421						0
Credit card						215						122						94						431						44,238						44,669						92
Total						$	5,221					$	3,035					$	24,881					$	33,137					$	9,900,832					$	9,933,969					$	92

						As of December 31, 2020
(Dollars in thousands)						30 – 59 days past due						60 – 89 days past due						> 90 days past due						Total past due						Current						Total						> 90 days past due and still accruing
Loans
Commercial & industrial						$	6,532					$	0					$	1,861					$	8,393					$	2,999,116					$	3,007,509					$	0
Lease financing						0						0						0						0						72,987						72,987						0
Construction real estate						0						0						0						0						636,096						636,096						0
Commercial real estate-investor						136						0						24,422						24,558						3,219,982						3,244,540						0
Commercial real estate-owner						6,480						174						400						7,054						1,056,264						1,063,318						0
Residential real estate						2,809						370						3,687						6,866						996,220						1,003,086						0
Home equity						1,483						835						1,937						4,255						738,844						743,099						0
Installment						94						35						51						180						81,670						81,850						0
Credit card						303						163						174						640						47,845						48,485						169
Total						$	17,837					$	1,577					$	32,532					$	51,946					$	9,849,024					$	9,900,970					$	169

Loans Restructured During Period

The following tables provide information on loan modifications classified as TDRs during the three months ended March 31, 2021 and 2020:

						Three months ended
						March 31, 2021																		March 31, 2020
(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						$	3,206					$	3,070					2						$	11,383					$	11,383
Construction real estate						0						0						0						0						0						0
Commercial real estate						7						10,015						9,046						0						0						0
Residential real estate						10						1,023						1,000						14						1,129						1,073
Home equity						1						14						14						4						186						186
Installment						0						0						0						1						26						15
Total						22						$	14,258					$	13,130					21						$	12,724					$	12,657

Loans Restructured, Modifications

The following table provides information on how TDRs were modified during the three months ended March 31, 2021 and 2020:

												Three months ended
												March 31,
(Dollars in thousands)																		2021						2020
Extended maturities																		$	0					$	0
Adjusted interest rates																		0						0
Combination of rate and maturity changes																		0						0
Forbearance																		6,163						1,008
Other (1)																		6,967						11,649
Total																		$	13,130					$	12,657

(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 nonperforming loans:

						March 31, 2021																		December 31, 2020
(Dollars in thousands)						Nonaccrual loans with a related ACL						Nonaccrual loans with no related ACL						Total nonaccrual						Nonaccrual loans with a related ACL						Nonaccrual loans with no related ACL						Total nonaccrual
Nonaccrual loans (1)
Commercial & industrial						$	12,505					$	12,436					$	24,941					$	18,711					$	10,519					$	29,230
Lease financing						0						0						0						0						0						0
Construction real estate						0						0						0						0						0						0
Commercial real estate						18,402						26,112						44,514						6,957						27,725						34,682
Residential real estate						0						11,359						11,359						251						11,350						11,601
Home equity						0						4,286						4,286						0						5,076						5,076
Installment						0						146						146						0						163						163
Total nonaccrual loans						$	30,907					$	54,339					$	85,246					$	25,919					$	54,833					$	80,752

(1) Nonaccrual loans include nonaccrual TDRs of $20.9 million and $14.7 million as of March 31, 2021 and December 31, 2020, respectively.

												Three months ended
												March 31,
(Dollars in thousands)																		2021						2020
Interest income effect on nonperforming loans
Gross amount of interest that would have been recorded under original terms																		$	1,487					$	1,306
Interest included in income
Nonaccrual loans																		483						167
Troubled debt restructurings																		86						235
Total interest included in income																		569						402
Net impact on interest income																		$	918					$	904

Schedule of Collateral Dependent Loans

						March 31, 2021
						Type of Collateral
(Dollar in thousands)						Business assets						Commercial real estate						Equipment						Land						Residential real estate						Other						Total
Class of loan
Commercial & industrial						$	22,215					$	1,874					$	417					$	0					$	0					$	435					$	24,941
Commercial real estate-investor						0						25,115						0						6,198						214						0						31,527
Commercial real estate-owner						5,842						6,779						0						40						326						0						12,987
Residential real estate						0						0						0						0						11,359						0						11,359
Home equity						0						0						0						0						4,286						0						4,286
Installment						0						0						0						0						0						146						146
Total						$	28,057					$	33,768					$	417					$	6,238					$	16,185					$	581					$	85,246
						December 31, 2020
						Type of Collateral
(Dollar in thousands)						Business assets						Commercial real estate						Equipment						Land						Residential real estate						Other						Total
Class of loan
Commercial & industrial						$	30,961					$	6,130					$	2,608					$	865					$	0					$	4,892					$	45,456
Commercial real estate-investor						0						20,212						661						5,537						872						0						27,282
Commercial real estate-owner						5,842						3,495						0						42						344						0						9,723
Residential real estate						0						0						0						0						11,601						0						11,601
Home equity						0						0						0						0						5,076						0						5,076
Installment						0						0						0						0						0						163						163
Total						$	36,803					$	29,837					$	3,269					$	6,444					$	17,893					$	5,055					$	99,301

Changes in Other Real Estate Owned

Changes in OREO were as follows:

												Three months ended
												March 31,
(Dollars in thousands)																		2021						2020
Balance at beginning of period																		$	1,287					$	2,033
Additions
Commercial & industrial																		0						247
Residential real estate																		0						146
Total additions																		0						393
Disposals
Commercial & industrial																		(246)						(179)
Residential real estate																		(187)						(721)
Total disposals																		(433)						(900)
Valuation adjustment
Commercial & industrial																		0						0
Residential real estate																		0						(59)
Total valuation adjustment																		0						(59)
Balance at end of period																		$	854					$	1,467

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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

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Tabular disclosure of aging analysis for financing receivable.

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