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Loans (Tables)

3 Months Ended

Mar. 31, 2023

Non-covered Loans [Line Items]

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

The current-period gross charge-offs by loan class and year of origination is presented in the following table:

												March 31, 2023
												Term Loans by Origination Year
(in thousands)												2022						2021																		Prior												Revolving Loans						Total
Commercial and industrial												$	1					$	—																	$	—											$	570					$	571
Real estate:
Commercial - investor owned												—						170																		—												—						170
Construction and land development												—						—																		9												—						9
Residential												—						—																		102												—						102
Other												—						—																		3												—						3
Total current-period gross charge-offs by risk rating												$	1					$	170																	$	114											$	570					$	855
Total current-period gross charge-offs by performing status																																																						325
Total current-period gross charge-offs																																																						$	1,180

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

						March 31, 2023
						Term Loans by Origination Year
(in thousands)						2023						2022						2021						2020						2019						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial
Pass (1-6)						$	446,623					$	1,294,156					$	487,289					$	296,880					$	163,807					$	107,963					$	9,928					$	1,003,625					$	3,810,271
Special Mention (7)						11,145						21,894						17,320						13,862						477						11,766						—						68,846						145,310
Classified (8-9)						5,570						10,929						5,569						1,497						23						452						175						27,903						52,118
Total Commercial and industrial						$	463,338					$	1,326,979					$	510,178					$	312,239					$	164,307					$	120,181					$	10,103					$	1,100,374					$	4,007,699
Commercial real estate-investor owned
Pass (1-6)						$	133,638					$	649,170					$	571,133					$	385,909					$	217,109					$	293,114					$	1,701					$	60,720					$	2,312,494
Special Mention (7)						—						26,002						5,241						23,260						10,952						12,909						—						—						78,364
Classified (8-9)						—						1,809						—						462						639						5,845						49						—						8,804
Total Commercial real estate-investor owned						$	133,638					$	676,981					$	576,374					$	409,631					$	228,700					$	311,868					$	1,750					$	60,720					$	2,399,662
Commercial real estate-owner occupied
Pass (1-6)						$	113,180					$	520,215					$	527,516					$	348,955					$	205,503					$	371,027					$	—					$	57,489					$	2,143,885
Special Mention (7)						9,608						5,946						4,862						19,644						4,459						13,660						4,962						300						63,441
Classified (8-9)						—						—						2,214						5,025						9,412						27,511						—						595						44,757
Total Commercial real estate-owner occupied						$	122,788					$	526,161					$	534,592					$	373,624					$	219,374					$	412,198					$	4,962					$	58,384					$	2,252,083
Construction real estate
Pass (1-6)						$	106,759					$	288,291					$	198,719					$	51,005					$	2,931					$	10,045					$	—					$	1,637					$	659,387
Special Mention (7)						—						1,284						—						146						145						217						—						—						1,792
Classified (8-9)						1,201						396						—						—						13						475						—						—						2,085
Total Construction real estate						$	107,960					$	289,971					$	198,719					$	51,151					$	3,089					$	10,737					$	—					$	1,637					$	663,264
Residential real estate
Pass (1-6)						$	9,606					$	50,504					$	54,407					$	37,471					$	20,438					$	94,722					$	774					$	91,520					$	359,442
Special Mention (7)						—						329						—						—						77						1,119						—						—						1,525
Classified (8-9)						—						119						72						—						51						2,039						—						75						2,356
Total residential real estate						$	9,606					$	50,952					$	54,479					$	37,471					$	20,566					$	97,880					$	774					$	91,595					$	363,323
Other
Pass (1-6)						$	960					$	60,165					$	85,417					$	55,789					$	9,973					$	26,899					$	—					$	6,833					$	246,036
Special Mention (7)						—						—						—						—						—						—						—						—						—
Classified (8-9)						—						—						—						—						2						12						—						—						14
Total Other						$	960					$	60,165					$	85,417					$	55,789					$	9,975					$	26,911					$	—					$	6,833					$	246,050
Total loans classified by risk category						$	838,290					$	2,931,209					$	1,959,759					$	1,239,905					$	646,011					$	979,775					$	17,589					$	1,319,543					$	9,932,081
Total loans classified by performing status																																																						79,837
Total loans																																																						$	10,011,918

						December 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)						$	1,403,381					$	635,275					$	332,740					$	172,127					$	62,729					$	66,152					$	8,388					$	964,592					$	3,645,384
Special Mention (7)						37,048						10,836						13,858						423						7,995						4,102						—						72,944						147,206
Classified (8-9)						16,176						4,457						1,627						24						166						183						—						21,349						43,982
Total Commercial and industrial						$	1,456,605					$	650,568					$	348,225					$	172,574					$	70,890					$	70,437					$	8,388					$	1,058,885					$	3,836,572
Commercial real estate-investor owned
Pass (1-6)						$	667,107					$	584,644					$	392,402					$	240,033					$	115,530					$	202,661					$	1,457					$	53,051					$	2,256,885
Special Mention (7)						18,844						5,751						23,502						11,605						—						13,063						—						—						72,765
Classified (8-9)						1,823						—						465						953						193						6,092						49						—						9,575
Total Commercial real estate-investor owned						$	687,774					$	590,395					$	416,369					$	252,591					$	115,723					$	221,816					$	1,506					$	53,051					$	2,339,225
Commercial real estate-owner occupied
Pass (1-6)						$	539,610					$	555,690					$	362,150					$	232,335					$	123,095					$	270,613					$	—					$	57,308					$	2,140,801
Special Mention (7)						11,164						3,801						16,856						4,455						13,043						9,009						—						800						59,128
Classified (8-9)						—						1,572						3,483						8,910						15,873						11,387						—						—						41,225
Total Commercial real estate-owner occupied						$	550,774					$	561,063					$	382,489					$	245,700					$	152,011					$	291,009					$	—					$	58,108					$	2,241,154
Construction real estate
Pass (1-6)						$	290,146					$	232,998					$	53,129					$	2,909					$	2,061					$	8,480					$	—					$	1,769					$	591,492
Special Mention (7)						17,331						—						681						146						111						106						—						—						18,375
Classified (8-9)						1,192						—						—						14						471						21						—						—						1,698
Total Construction real estate						$	308,669					$	232,998					$	53,810					$	3,069					$	2,643					$	8,607					$	—					$	1,769					$	611,565
Residential real estate
Pass (1-6)						$	63,317					$	60,910					$	48,796					$	20,943					$	11,259					$	88,795					$	579					$	96,304					$	390,903
Special Mention (7)						331						—						—						79						352						781						—						—						1,543
Classified (8-9)						121						73						—						53						1,102						994						—						5						2,348
Total residential real estate						$	63,769					$	60,983					$	48,796					$	21,075					$	12,713					$	90,570					$	579					$	96,309					$	394,794
Other
Pass (1-6)						$	38,753					$	88,613					$	56,252					$	10,556					$	20,508					$	10,796					$	—					$	9,536					$	235,014
Special Mention (7)						—						—						—						—						—						—						—						—						—
Classified (8-9)						—						—						—						4						3						11						3						4						25
Total Other						$	38,753					$	88,613					$	56,252					$	10,560					$	20,511					$	10,807					$	3					$	9,540					$	235,039
Total loans classified by risk category						$	3,106,344					$	2,184,620					$	1,305,941					$	705,569					$	374,491					$	693,246					$	10,476					$	1,277,662					$	9,658,349
Total loans classified by performing status																																																						78,789
Total loans																																																						$	9,737,138

The following tables present the recorded investment on loans based on payment activity as of the dates indicated:

			March 31, 2023
(in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	24,417					$	73					$	24,490
Real estate:
Commercial - investor owned			18,417						—						18,417
Commercial - owner occupied			29,140						—						29,140
Residential			736						—						736
Other			7,042						12						7,054
Total			$	79,752					$	85					$	79,837

			December 31, 2022
(in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	23,240					$	70					$	23,310
Real estate:
Commercial - investor owned			18,595						—						18,595
Commercial - owner occupied			29,397						—						29,397
Residential			743						—						743
Other			6,672						72						6,744
Total			$	78,647					$	142					$	78,789

Loan Modification

The following table shows loans modified to borrowers experiencing financial difficulty, disaggregated by loan class and type of concession granted:

			Term Extension
(in thousands)			March 31, 2023						% of Total Class of Financing Receivable
Commercial and industrial			$	22,818					0.57		%
Real estate:
Construction and land development			1,201						0.18		%
Total			$	24,019

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, 2023						December 31, 2022
Commercial and industrial			$	4,032,189					$	3,859,964
Real estate:
Commercial - investor owned			2,418,079						2,357,820
Commercial - owner occupied			2,281,223						2,270,551
Construction and land development			663,264						611,565
Residential			364,059						395,537
Total real estate loans			5,726,625						5,635,473
Other			260,001						248,990
Loans, before unearned loan fees			10,018,815						9,744,427
Unearned loan fees, net			(6,897)						(7,289)
Loans, including unearned loan fees			$	10,011,918					$	9,737,138

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, 2023 and 2022 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, 2022			$	53,835					$	36,191					$	22,752					$	11,444					$	7,928					$	4,782											$	136,932
Provision (benefit) for credit losses			5,083						222						(440)						(2,578)						(1,151)						(37)												1,099
Charge-offs			(707)						(170)						—						(9)						(102)						(192)												(1,180)
Recoveries			938						23						16						32						322						113												1,444
Balance at March 31, 2023			$	59,149					$	36,266					$	22,328					$	8,889					$	6,997					$	4,666											$	138,295

(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 (benefit) 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

Schedule of Recorded Investment in Nonperforming Loans by Category

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

			March 31, 2023
(in thousands)			Nonaccrual												Loans over 90 days past due and still accruing interest						Total nonperforming loans						Nonaccrual loans with no allowance
Commercial and industrial			$	5,252											$	73					$	5,325					$	1,002
Real estate:
Commercial - investor owned			3,887												—						3,887						—
Commercial - owner occupied			1,547												—						1,547						—
Construction and land development			1,201												—						1,201						1,201
Other			—												12						12						—
Total			$	11,887											$	85					$	11,972					$	2,203

			December 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			$	4,373					$	—					$	70					$	4,443					$	1,047
Real estate:
Commercial - investor owned			3,023						—						—						3,023						—
Commercial - owner occupied			1,177						—						—						1,177						—
Construction and land development			1,192						—						—						1,192						1,192
Residential			—						73						—						73						—
Other			1						—						72						73						—
Total			$	9,766					$	73					$	142					$	9,981					$	2,239

Schedule of Collateral Dependent Loans

Collateral-dependent nonperforming loans by class of loan is presented as of the dates indicated:

			March 31, 2023
			Type of Collateral
(in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien
Commercial and industrial			$	—					$	950					$	1,002
Real estate:
Commercial - investor owned			2,177						773						—
Commercial - owner occupied			1,547						—						—
Construction and land development									1,201
Residential			—						—						—
Total			$	3,724					$	2,924					$	1,002

			December 31, 2022
			Type of Collateral
(in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien
Commercial and industrial			$	—					$	—					$	1,047
Real estate:
Commercial - investor owned			2,238						785						—
Commercial - owner occupied			1,177						—						—
Construction and land development			—						1,192						—
Residential			—						73						—
Total			$	3,415					$	2,050					$	1,047

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 as of the dates indicated.

			March 31, 2023
(in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	3,244					$	1,894					$	5,138					$	4,027,051					$	4,032,189
Real estate:
Commercial - investor owned			2,086						1,098						3,184						2,414,895						2,418,079
Commercial - owner occupied			2,780						4,084						6,864						2,274,359						2,281,223
Construction and land development			396						—						396						662,868						663,264
Residential			2,414						—						2,414						361,645						364,059
Other			151						12						163						259,838						260,001
Loans, before unearned loan fees			$	11,071					$	7,088					$	18,159					$	10,000,656					$	10,018,815
Unearned loan fees, net																											(6,897)
Total																											$	10,011,918

			December 31, 2022
(in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	555					$	2,373					$	2,928					$	3,857,036					$	3,859,964
Real estate:
Commercial - investor owned			—						1,135						1,135						2,356,685						2,357,820
Commercial - owner occupied			8,628						164						8,792						2,261,759						2,270,551
Construction and land development			9						1,192						1,201						610,364						611,565
Residential			1,227						—						1,227						394,310						395,537
Other			18						72						90						248,900						248,990
Loans, before unearned loan fees			$	10,437					$	4,936					$	15,373					$	9,729,054					$	9,744,427
Unearned loan fees, net																											(7,289)
Total																											$	9,737,138

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Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524

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