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Loans (Tables)

3 Months Ended

Mar. 31, 2022

Non-covered Loans [Line Items]

Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category

The recorded investment by risk category of loans by class and year of origination is presented in the following tables as of the dates indicated:

						March 31, 2022
						Term Loans by Origination Year
(in thousands)						2022						2021						2020						2019						2018						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial
Pass (1-6)						$	424,229					$	1,011,220					$	404,515					$	268,244					$	85,451					$	174,346					$	1,500					$	812,823					$	3,182,328
Watch (7)						20,941						28,450						16,364						2,060						9,312						10,728						—						78,321						166,176
Classified (8-9)						6,231						7,950						2,144						3,840						1,585						3,416						—						10,383						35,549
Total Commercial and industrial						$	451,401					$	1,047,620					$	423,023					$	274,144					$	96,348					$	188,490					$	1,500					$	901,527					$	3,384,053
Commercial real estate-investor owned
Pass (1-6)						$	200,862					$	617,625					$	429,282					$	321,521					$	149,180					$	303,994					$	2,047					$	47,800					$	2,072,311
Watch (7)						937						20,600						31,411						18,304						79						27,153						—						2,062						100,546
Classified (8-9)						—						1,268						3,306						829						798						5,010						—						50						11,261
Total Commercial real estate-investor owned						$	201,799					$	639,493					$	463,999					$	340,654					$	150,057					$	336,157					$	2,047					$	49,912					$	2,184,118
Commercial real estate-owner occupied
Pass (1-6)						$	159,921					$	599,394					$	408,931					$	261,247					$	144,644					$	341,211					$	438					$	49,568					$	1,965,354
Watch (7)						1,800						10,888						16,575						3,925						13,188						18,550						—						390						65,316
Classified (8-9)						423						892						1,808						9,883						16,051						12,082						—						95						41,234
Total Commercial real estate-owner occupied						$	162,144					$	611,174					$	427,314					$	275,055					$	173,883					$	371,843					$	438					$	50,053					$	2,071,904
Construction real estate
Pass (1-6)						$	83,014					$	321,327					$	189,864					$	35,507					$	23,155					$	14,797					$	—					$	4,079					$	671,743
Watch (7)						408						20,751						3,183						60						1,190						2,283						—						—						27,875
Classified (8-9)						—						—						—						12						416						19						—						—						447
Total Construction real estate						$	83,422					$	342,078					$	193,047					$	35,579					$	24,761					$	17,099					$	—					$	4,079					$	700,065
Residential real estate
Pass (1-6)						$	13,065					$	100,396					$	64,873					$	20,400					$	13,256					$	113,869					$	5,356					$	93,591					$	424,806
Watch (7)						36						2,123						1						166						441						1,379						—						137						4,283
Classified (8-9)						126						423						—						57						743						1,863						—						5						3,217
Total residential real estate						$	13,227					$	102,942					$	64,874					$	20,623					$	14,440					$	117,111					$	5,356					$	93,733					$	432,306
Other
Pass (1-6)						$	1,551					$	101,746					$	66,095					$	21,453					$	22,437					$	14,845					$	—					$	7,521					$	235,648
Watch (7)						—						—						—						—						3						2,391						—						5						2,399
Classified (8-9)						—						—						—						8						9						14						1						—						32
Total Other						$	1,551					$	101,746					$	66,095					$	21,461					$	22,449					$	17,250					$	1					$	7,526					$	238,079
Total loans classified by risk category						$	913,544					$	2,845,053					$	1,638,352					$	967,516					$	481,938					$	1,047,950					$	9,342					$	1,106,830					$	9,010,525
Total loans classified by performing status																																																						45,548
Total loans																																																						$	9,056,073

						December 31, 2021
						Term Loans by Origination Year
(in thousands)						2021						2020						2019						2018						2017						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial
Pass (1-6)						$	1,180,601					$	477,374					$	317,869					$	132,851					$	116,738					$	82,846					$	11,648					$	854,102					$	3,174,029
Watch (7)						35,005						17,502						9,404						9,880						12,217						10,979						4,037						53,595						152,619
Classified (8-9)						14,917						3,530						3,840						1,689						2,988						813						787						10,996						39,560
Total Commercial and industrial						$	1,230,523					$	498,406					$	331,113					$	144,420					$	131,943					$	94,638					$	16,472					$	918,693					$	3,366,208
Commercial real estate-investor owned
Pass (1-6)						$	651,740					$	476,946					$	346,245					$	146,107					$	112,043					$	217,808					$	3,625					$	68,236					$	2,022,750
Watch (7)						16,871						35,908						32,755						1,003						502						17,478						300						2,062						106,879
Classified (8-9)						1,376						3,135						835						817						1,159						4,141						—						50						11,513
Total Commercial real estate-investor owned						$	669,987					$	515,989					$	379,835					$	147,927					$	113,704					$	239,427					$	3,925					$	70,348					$	2,141,142
Commercial real estate-owner occupied
Pass (1-6)						$	604,975					$	423,263					$	278,830					$	164,210					$	140,515					$	235,973					$	250					$	48,349					$	1,896,365
Watch (7)						12,825						13,585						4,301						16,774						10,274						15,764						—						300						73,823
Classified (8-9)						2,048						556						9,181						17,016						6,432						6,959						—						—						42,192
Total Commercial real estate-owner occupied						$	619,848					$	437,404					$	292,312					$	198,000					$	157,221					$	258,696					$	250					$	48,649					$	2,012,380
Construction real estate
Pass (1-6)						$	310,140					$	229,396					$	70,531					$	35,936					$	14,860					$	7,180					$	568					$	2,992					$	671,603
Watch (7)						28,947						15,348						60						1,199						11,068						2,330						—						—						58,952
Classified (8-9)						—						—						387						419						—						22						—						—						828
Total Construction real estate						$	339,087					$	244,744					$	70,978					$	37,554					$	25,928					$	9,532					$	568					$	2,992					$	731,383
Residential real estate
Pass (1-6)						$	116,352					$	66,481					$	21,356					$	14,841					$	24,778					$	103,840					$	9,980					$	87,146					$	444,774
Watch (7)						2,425						2						622						1,157						248						1,305						—						79						5,838
Classified (8-9)						414						169						554						—						12						2,024						—						—						3,173
Total residential real estate						$	119,191					$	66,652					$	22,532					$	15,998					$	25,038					$	107,169					$	9,980					$	87,225					$	453,785
Other
Pass (1-6)						$	108,209					$	68,806					$	22,684					$	23,145					$	6,924					$	13,832					$	1,500					$	9,166					$	254,266
Watch (7)						—						—						—						4						—						2,440						—						1						2,445
Classified (8-9)						—						—						10						10						—						16						—						2						38
Total Other						$	108,209					$	68,806					$	22,694					$	23,159					$	6,924					$	16,288					$	1,500					$	9,169					$	256,749
Total loans classified by risk category						$	3,086,845					$	1,832,001					$	1,119,464					$	567,058					$	460,758					$	725,750					$	32,695					$	1,137,076					$	8,961,647
Total loans classified by performing status																																																						55,995
Total loans																																																						$	9,017,642

In the tables above, loan originations in 2022 and 2021 with a classification of watch or classified primarily represent renewals or modifications initially underwritten and originated in prior years.

For certain loans, primarily credit cards, the Company evaluates credit quality based on the aging status.

The following tables presents the recorded investment on loans based on payment activity as of the periods indicated:

			March 31, 2022
(in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	14,657					$	13					$	14,670
Real estate:
Commercial - investor owned			8						—						8
Commercial - owner occupied			22,108						—						22,108
Construction and land development			2,565						—						2,565
Residential			333						—						333
Other			5,853						11						5,864
Total			$	45,524					$	24					$	45,548

			December 31, 2021
(in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	26,166					$	1					$	26,167
Real estate:
Commercial - investor owned			1						—						1
Commercial - owner occupied			23,405						—						23,405
Construction and land development			2,690						—						2,690
Residential			267						—						267
Other			3,453						12						3,465
Total			$	55,982					$	13					$	55,995

Portfolio loans, net

Non-covered Loans [Line Items]

Summary of Portfolio Loans by Category

The following table presents a summary of loans by category:

(in thousands)			March 31, 2022						December 31, 2021
Commercial and industrial			$	3,400,574					$	3,396,590
Real estate:
Commercial - investor owned			2,184,126						2,141,143
Commercial - owner occupied			2,094,012						2,035,785
Construction and land development			702,630						734,073
Residential			432,639						454,052
Total real estate loans			5,413,407						5,365,053
Other			250,433						265,137
Loans, before unearned loan fees			9,064,414						9,026,780
Unearned loan fees, net			(8,341)						(9,138)
Loans, including unearned loan fees			$	9,056,073					$	9,017,642

Summary of Allowance for Loan Losses and the Recorded Investment in Portfolio Loans by Class and Category Based on Impairment Method

A summary of the activity in the ACL on loans by category for the three months ended March 31, 2022 and 2021 is as follows:

(in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other												Total
Allowance for credit losses on loans:
Balance at December 31, 2021			$	63,825					$	35,877					$	17,560					$	14,536					$	7,927					$	5,316											$	145,041
Provision for credit losses			(1,481)						121						(582)						(1,574)						(456)						(336)												(4,308)
Charge-offs			(2,159)						—						(180)						—						(887)						(86)												(3,312)
Recoveries			790						196						240						21						525						19												1,791
Balance at March 31, 2022			$	60,975					$	36,194					$	17,038					$	12,983					$	7,109					$	4,913											$	139,212

(in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other												Total
Allowance for credit losses on loans:
Balance at December 31, 2020			$	58,812					$	32,062					$	17,012					$	21,413					$	4,585					$	2,787											$	136,671
Provision for credit losses			541						3,381						3,226						(7,091)						(152)						598												503
Charge-offs			(3,739)						(2,372)						(28)						—						(271)						(64)												(6,474)
Recoveries			327						34						9						235						143						79												827
Balance at March 31, 2021			$	55,941					$	33,105					$	20,219					$	14,557					$	4,305					$	3,400											$	131,527

Schedule of Recorded Investment in Nonperforming Loans by Category

The following tables present the recorded investment in nonperforming loans by category: 

															March 31, 2022
(in thousands)															Nonaccrual						Restructured, accruing						Loans over 90 days past due and still accruing interest						Total nonperforming loans						Nonaccrual loans with no allowance
Commercial and industrial															$	13,721					$	2,663					$	13					$	16,397					$	1,699
Real estate:
Commercial - investor owned															1,565						—						—						1,565						1,364
Commercial - owner occupied															2,075						—						—						2,075						1,786
Residential															1,027						75						—						1,102						1,027
Other															10						—						11						21						—
Total															$	18,398					$	2,738					$	24					$	21,160					$	5,876

			December 31, 2021
(in thousands)			Nonaccrual						Restructured, accruing						Loans over 90 days past due and still accruing interest						Total nonperforming loans						Nonaccrual loans with no allowance
Commercial and industrial			$	17,052					$	2,783					$	1,703					$	21,538					$	5,685
Real estate:
Commercial - investor owned			1,575						—						—						1,575						168
Commercial - owner occupied			2,839						—						—						2,839						2,550
Residential			1,971						76						1						2,048						1,348
Other			12						—						12						24						—
Total			$	23,449					$	2,859					$	1,716					$	28,024					$	9,751

Schedule of Collateral Dependent Loans

The amortized cost basis of collateral-dependent nonperforming loans by class of loan is presented for the periods indicated:

			March 31, 2022
			Type of Collateral
(in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien
Commercial and industrial			$	4,271					$	79					$	5,064
Real estate:
Commercial - investor owned			165						1,200						—
Commercial - owner occupied			2,049						26						—
Residential			—						1,102						—
Other			—						—						—
Total			$	6,485					$	2,407					$	5,064

			December 31, 2021
			Type of Collateral
(in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien
Commercial and industrial			$	4,271					$	209					$	9,312
Real estate:
Commercial - investor owned			169						1,200						—
Commercial - owner occupied			2,807						32						—
Residential			—						2,048						—
Other			—						—						—
Total			$	7,247					$	3,489					$	9,312

Summary of Aging of Recorded Investment in Past Due Portfolio Loans by Portfolio Class and Category

The aging of the recorded investment in past due loans by class is presented for the periods indicated.

			March 31, 2022
(in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	3,086					$	5,204					$	8,290					$	3,390,433					$	3,398,723
Real estate:
Commercial - investor owned			1,461						1,565						3,026						2,181,100						2,184,126
Commercial - owner occupied			4,692						1,698						6,390						2,087,622						2,094,012
Construction and land development			2,680						—						2,680						699,950						702,630
Residential			3,534						454						3,988						428,651						432,639
Other			35						10						45						243,898						243,943
Total			$	15,488					$	8,931					$	24,419					$	9,031,654					$	9,056,073

			December 31, 2021
(in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	24,447					$	14,158					$	38,605					$	3,353,770					$	3,392,375
Real estate:
Commercial - investor owned			3,880						—						3,880						2,137,263						2,141,143
Commercial - owner occupied			10,070						289						10,359						2,025,426						2,035,785
Construction and land development			24						—						24						734,049						734,073
Residential			3,181						1,305						4,486						449,566						454,052
Other			37						11						48						260,166						260,214
Total			$	41,639					$	15,763					$	57,402					$	8,960,240					$	9,017,642

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