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LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2021

Receivables [Abstract]

Financial Receivable Credit Quality Indicators

The following table sets forth the Company's loan portfolio at September 30, 2021 by risk attribute and origination date:

(Dollars in thousands)						2021						2020						2019						2018						2017						Prior						Term Total						Revolving						Total
Commercial & industrial
Pass						$	489,560					$	512,620					$	383,028					$	202,002					$	147,090					$	166,385					$	1,900,685					$	615,657					$	2,516,342
Special mention						431						4,549						1,008						15,556						6,816						6,631						34,991						9,897						44,888
Substandard						2,349						760						13,743						1,697						11,901						3,007						33,457						8,161						41,618
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	492,340					$	517,929					$	397,779					$	219,255					$	165,807					$	176,023					$	1,969,133					$	633,715					$	2,602,848
Lease financing
Pass						$	14,074					$	16,538					$	12,217					$	10,015					$	4,672					$	3,865					$	61,381					$	0					$	61,381
Special mention						0						6,467						0						0						0						0						6,467						0						6,467
Substandard						0						0						0						0						0						7						7						0						7
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	14,074					$	23,005					$	12,217					$	10,015					$	4,672					$	3,872					$	67,855					$	0					$	67,855
Construction real estate
Pass						$	53,083					$	119,443					$	217,302					$	46,300					$	531					$	13,337					$	449,996					$	8,040					$	458,036
Special mention						0						0						0						0						0						0						0						0						0
Substandard						0						0						18,968						0						0						0						18,968						0						18,968
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	53,083					$	119,443					$	236,270					$	46,300					$	531					$	13,337					$	468,964					$	8,040					$	477,004
Commercial real estate - investor
Pass						$	445,746					$	435,144					$	981,639					$	427,966					$	322,647					$	469,803					$	3,082,945					$	76,906					$	3,159,851
Special mention						9,969						1,858						17,867						18,106						49,486						81,349						178,635						35						178,670
Substandard						1,634						5,992						9,787						24,037						7,120						12,573						61,143						0						61,143
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	457,349					$	442,994					$	1,009,293					$	470,109					$	379,253					$	563,725					$	3,322,723					$	76,941					$	3,399,664
Commercial real estate - owner
Pass						$	128,070					$	185,207					$	127,847					$	138,551					$	121,509					$	253,909					$	955,093					$	29,432					$	984,525
Special mention						338						2,605						1,727						2,684						4,533						11,518						23,405						3,010						26,415
Substandard						61						477						9,548						12,779						2,396						2,471						27,732						38						27,770
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	128,469					$	188,289					$	139,122					$	154,014					$	128,438					$	267,898					$	1,006,230					$	32,480					$	1,038,710
Residential real estate
Performing						$	194,575					$	253,746					$	160,338					$	77,771					$	37,865					$	192,662					$	916,957					$	0					$	916,957
Nonperforming						72						515						516						491						639						3,302						5,535						0						5,535
Total						$	194,647					$	254,261					$	160,854					$	78,262					$	38,504					$	195,964					$	922,492					$	0					$	922,492
Home equity
Performing						$	33,942					$	48,210					$	15,748					$	12,538					$	8,144					$	35,170					$	153,752					$	552,820					$	706,572
Nonperforming						0						0						44						39						56						220						359						2,119						2,478

(Dollars in thousands)						2021						2020						2019						2018						2017						Prior						Term Total						Revolving						Total
Total						$	33,942					$	48,210					$	15,792					$	12,577					$	8,200					$	35,390					$	154,111					$	554,939					$	709,050
Installment
Performing						$	13,705					$	30,753					$	9,667					$	6,428					$	4,721					$	2,582					$	67,856					$	28,021					$	95,877
Nonperforming						16						12						58						2						4						10						102						98						200
Total						$	13,721					$	30,765					$	9,725					$	6,430					$	4,725					$	2,592					$	67,958					$	28,119					$	96,077
Credit cards
Performing						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	46,838					$	46,838
Nonperforming						0						0						0						0						0						0						0						393						393
Total						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	47,231					$	47,231
Grand Total						$	1,387,625					$	1,624,896					$	1,981,052					$	996,962					$	730,130					$	1,258,801					$	7,979,466					$	1,381,465					$	9,360,931

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 September 30, 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						$	2,574					$	17					$	3,487					$	6,078					$	2,596,770					$	2,602,848					$	0
Lease financing						0						0						0						0						67,855						67,855						0
Construction real estate						0						0						0						0						477,004						477,004						0
Commercial real estate-investor						0						0						18,674						18,674						3,380,990						3,399,664						0
Commercial real estate-owner						541						523						325						1,389						1,037,321						1,038,710						0
Residential real estate						3,112						384						2,040						5,536						916,956						922,492						0
Home equity						1,135						208						1,135						2,478						706,572						709,050						0
Installment						106						55						39						200						95,877						96,077						0
Credit card						310						51						106						467						46,764						47,231						104
Total						$	7,778					$	1,238					$	25,806					$	34,822					$	9,326,109					$	9,360,931					$	104

						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 and nine months ended September 30, 2021 and 2020:

						Three months ended
						September 30, 2021																		September 30, 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						0						$	0					$	0					1						$	1,480					$	1,480
Construction real estate						0						0						0						0						0						0
Commercial real estate						1						6,835						761						0						0						0
Residential real estate						1						145						142						2						109						92
Home equity						0						0						0						4						120						118
Installment						1						0						0						0						0						0
Total						3						$	6,980					$	903					7						$	1,709					$	1,690
						Nine months ended
						September 30, 2021																		September 30, 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						5						$	4,967					$	4,831					8						$	14,984					$	14,984
Construction real estate						0						0						0						0						0						0
Commercial real estate						8						16,850						9,807						0						0						0
Residential real estate						14						1,265						1,233						20						1,677						1,581
Home equity						2						30						30						10						346						344
Installment						1						0						0						1						26						15
Total						30						$	23,112					$	15,901					39						$	17,033					$	16,924

Loans Restructured, Modifications

The following table provides information on how TDRs were modified during the three and nine months ended September 30, 2021 and 2020:

						Three months ended												Nine months ended
						September 30,												September 30,
(Dollars in thousands)						2021						2020						2021						2020
Extended maturities						$	0					$	0					$	0					$	0
Adjusted interest rates						0						0						0						0
Combination of rate and maturity changes						0						0						0						0
Forbearance						761						1,480						7,008						4,663
Other (1)						142						210						8,893						12,261
Total						$	903					$	1,690					$	15,901					$	16,924

(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:

						September 30, 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						$	12,328					$	2,832					$	15,160					$	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						24,308						14,256						38,564						6,957						27,725						34,682
Residential real estate						0						9,416						9,416						251						11,350						11,601
Home equity						0						2,735						2,735						0						5,076						5,076
Installment						0						91						91						0						163						163
Total nonaccrual loans						$	36,636					$	29,330					$	65,966					$	25,919					$	54,833					$	80,752

(1) Nonaccrual loans include nonaccrual TDRs of $20.3 million and $14.7 million as of September 30, 2021 and December 31, 2020, respectively.

						Three months ended												Nine months ended
						September 30,												September 30,
(Dollars in thousands)						2021						2020						2021						2020
Interest income effect on nonperforming loans
Gross amount of interest that would have been recorded under original terms						$	3,506					$	1,552					$	8,157					$	4,185
Interest included in income
Nonaccrual loans						1,709						689						3,526						1,226
Troubled debt restructurings						338						64						645						367
Total interest included in income						2,047						753						4,171						1,593
Net impact on interest income						$	1,459					$	799					$	3,986					$	2,592

Schedule of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral dependent loans by class of loan.

						September 30, 2021
						Type of Collateral
(Dollar in thousands)						Business assets						Commercial real estate						Equipment						Land						Residential real estate						Other						Total
Class of loan
Commercial & industrial						$	13,691					$	827					$	443					$	0					$	0					$	199					$	15,160
Commercial real estate-investor						0						19,726						0						5,987						209						0						25,922
Commercial real estate-owner						0						6,481						6,033						39						89						0						12,642
Residential real estate						0						0						0						0						9,416						0						9,416
Home equity						0						0						0						0						2,735						0						2,735
Installment						0						0						0						0						0						91						91
Total						$	13,691					$	27,034					$	6,476					$	6,026					$	12,449					$	290					$	65,966
						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												Nine months ended
						September 30,												September 30,
(Dollars in thousands)						2021						2020						2021						2020
Balance at beginning of period						$	340					$	1,872					$	1,287					$	2,033
Additions
Commercial & industrial						0						187						98						510
Residential real estate						0						136						0						282
Total additions						0						323						98						792
Disposals
Commercial & industrial						0						0						(768)						(217)
Residential real estate						0						(510)						(268)						(1,270)
Total disposals						0						(510)						(1,036)						(1,487)
Valuation adjustment
Commercial & industrial						0						(22)						(9)						448
Residential real estate						0						(20)						0						(143)
Total valuation adjustment						0						(42)						(9)						305
Balance at end of period						$	340					$	1,643					$	340					$	1,643

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Schedule of Collateral Dependent Loans [Table Text Block]

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No definition available.

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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.

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Tabular disclosure of aging analysis for financing receivable.

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