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Portfolio loans and allowance for loan losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Portfolio loans and allowance for loan losses |
Schedule of distribution of portfolio loans | Distributions of portfolio loans were as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31,
​ |  | 2019 |  | 2018
Commercial | ​ | $ | 1,748,368 | ​ | $ | 1,405,106
Commercial real estate | ​ | ​ | 2,793,417 | ​ | ​ | 2,366,823
Real estate construction | ​ | ​ | 401,861 | ​ | ​ | 288,197
Retail real estate | ​ | ​ | 1,693,769 | ​ | ​ | 1,480,133
Retail other | ​ | ​ | 49,834 | ​ | ​ | 28,169
Portfolio loans | ​ | $ | 6,687,249 | ​ | $ | 5,568,428
​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for loan losses | ​ | ​ | (53,748) | ​ | ​ | (50,648)
Portfolio loans, net | ​ | $ | 6,633,501 | ​ | $ | 5,517,780
Summary of risk grades segregated by category of portfolio loans (excluding accretable purchase accounting adjustments and clearings) | The following table is a summary of risk grades segregated by category of portfolio loans (excluding accretable purchase accounting adjustments and clearings) (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ |  | ​ |  | ​ |  | Special |  | ​ |  | Substandard
​ |  | Pass |  | Watch |  | Mention |  | Substandard |  | Non-accrual
Commercial |  | $ | 1,458,416 | ​ | $ | 172,526 | ​ | $ | 66,337 | ​ | $ | 41,273 | ​ | $ | 9,096
Commercial real estate |  |  | 2,477,398 | ​ |  | 186,963 | ​ |  | 105,487 | ​ |  | 26,204 | ​ |  | 9,178
Real estate construction |  |  | 351,923 | ​ |  | 45,262 | ​ |  | 3,928 | ​ |  | 737 | ​ |  | 630
Retail real estate |  |  | 1,661,691 | ​ |  | 9,125 | ​ |  | 5,355 | ​ |  | 7,001 | ​ |  | 8,935
Retail other |  |  | 47,698 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 57
Total | ​ | $ | 5,997,126 | ​ | $ | 413,876 | ​ | $ | 181,107 | ​ | $ | 75,215 | ​ | $ | 27,896
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2018
​ |  | ​ |  | ​ |  | Special |  | ​ |  | Substandard
​ |  | Pass |  | Watch |  | Mention |  | Substandard |  | Non-accrual
Commercial |  | $ | 1,126,257 | ​ | $ | 172,449 | ​ | $ | 47,000 | ​ | $ | 42,532 | ​ | $ | 17,953
Commercial real estate |  |  | 2,106,711 | ​ |  | 137,214 | ​ |  | 85,148 | ​ |  | 36,205 | ​ |  | 10,298
Real estate construction |  |  | 268,069 | ​ |  | 14,562 | ​ |  | 3,899 | ​ |  | 1,888 | ​ |  | 18
Retail real estate |  |  | 1,448,964 | ​ |  | 6,425 | ​ |  | 6,792 | ​ |  | 5,435 | ​ |  | 6,698
Retail other |  |  | 26,707 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 30
Total | ​ | $ | 4,976,708 | ​ | $ | 330,650 | ​ | $ | 142,839 | ​ | $ | 86,060 | ​ | $ | 34,997
Summary of portfolio loans that are past due and still accruing or on a non-accrual status | An analysis of portfolio loans that are past due and still accruing or on a non-accrual status is as follows (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ | ​ | Loans past due, still accruing | ​ | Non-accrual
​ |  | 30-59 Days |  | 60-89 Days |  | 90+Days |  | Loans
Commercial | ​ | $ | 1,075 | ​ | $ | 1,014 | ​ | $ | 199 | ​ | $ | 9,096
Commercial real estate | ​ |  | 2,653 | ​ |  | 3,121 | ​ |  | 584 | ​ |  | 9,178
Real estate construction | ​ |  | 19 | ​ |  | — | ​ |  | — | ​ |  | 630
Retail real estate | ​ |  | 5,021 | ​ |  | 1,248 | ​ |  | 828 | ​ | ​ | 8,935
Retail other | ​ |  | 52 | ​ |  | 68 | ​ |  | — | ​ |  | 57
Total | ​ | $ | 8,820 | ​ | $ | 5,451 | ​ | $ | 1,611 | ​ | $ | 27,896
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2018
​ | ​ | Loans past due, still accruing | ​ | Non-accrual
​ |  | 30-59 Days |  | 60-89 Days |  | 90+Days |  | Loans
Commercial | ​ | $ | 158 | ​ | $ | 140 | ​ | $ | 775 | ​ | $ | 17,953
Commercial real estate | ​ |  | 148 | ​ |  | 558 | ​ |  | — | ​ |  | 10,298
Real estate construction | ​ |  | 121 | ​ |  | — | ​ |  | 58 | ​ |  | 18
Retail real estate | ​ |  | 4,578 | ​ |  | 1,368 | ​ |  | 766 | ​ |  | 6,698
Retail other | ​ |  | 48 | ​ |  | 2 | ​ |  | 2 | ​ |  | 30
Total | ​ | $ | 5,053 | ​ | $ | 2,068 | ​ | $ | 1,601 | ​ | $ | 34,997
Summary of restructured loans | A summary of TDR loans is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31,
​ | ​ | 2019 |  | 2018
In compliance with modified terms | ​ | $ | 5,005 | ​ | $ | 8,319
30 — 89 days past due | ​ |  | — | ​ |  | 127
Included in non-performing loans | ​ |  | 702 | ​ |  | 392
Total | ​ | $ | 5,707 | ​ | $ | 8,838
Schedule of details of impaired loans, segregated by category | The following tables provide details of loans identified as impaired, segregated by category. The unpaid contractual principal balance represents the recorded balance prior to any partial charge-offs. The recorded investment represents customer balances net of any partial charge-offs recognized on the loan. The average recorded investment is calculated using the most recent four quarters (dollars in thousands). ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ |  | Unpaid |  | Recorded |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
​ | ​ | Contractual | ​ | Investment | ​ | Recorded | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Investment | ​ | Recorded | ​ | Related | ​ | Recorded
​ |  | Balance |  | Allowance |  | with Allowance |  | Investment |  | Allowance |  | Investment
Commercial | ​ | $ | 14,415 | ​ | $ | 4,727 | ​ | $ | 5,026 | ​ | $ | 9,753 | ​ | $ | 3,330 | ​ | $ | 13,774
Commercial real estate | ​ |  | 14,487 | ​ | ​ | 9,883 | ​ | ​ | 2,039 | ​ |  | 11,922 | ​ |  | 1,049 | ​ |  | 16,678
Real estate construction | ​ |  | 1,116 | ​ |  | 974 | ​ |  | — | ​ |  | 974 | ​ |  | — | ​ |  | 873
Retail real estate | ​ |  | 15,581 | ​ |  | 13,898 | ​ |  | 474 | ​ |  | 14,372 | ​ |  | 474 | ​ |  | 14,003
Retail other | ​ |  | 87 | ​ |  | 58 | ​ |  | — | ​ |  | 58 | ​ |  | — | ​ |  | 42
Total | ​ | $ | 45,686 | ​ | $ | 29,540 | ​ | $ | 7,539 | ​ | $ | 37,079 | ​ | $ | 4,853 | ​ | $ | 45,370
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2018
​ |  | Unpaid |  | Recorded |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
​ | ​ | Contractual | ​ | Investment | ​ | Recorded | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Investment | ​ | Recorded | ​ | Related | ​ | Recorded
​ |  | Balance |  | Allowance |  | with Allowance |  | Investment |  | Allowance |  | Investment
Commercial | ​ | $ | 21,442 | ​ | $ | 6,858 | ​ | $ | 12,001 | ​ | $ | 18,859 | ​ | $ | 4,319 | ​ | $ | 13,364
Commercial real estate | ​ |  | 19,079 | ​ |  | 13,082 | ​ |  | 4,498 | ​ |  | 17,580 | ​ |  | 1,181 | ​ |  | 18,077
Real estate construction | ​ |  | 478 | ​ |  | 453 | ​ |  | — | ​ |  | 453 | ​ |  | — | ​ |  | 712
Retail real estate | ​ |  | 14,418 | ​ |  | 13,196 | ​ |  | 61 | ​ |  | 13,257 | ​ |  | 61 | ​ |  | 14,110
Retail other | ​ |  | 117 | ​ |  | 33 | ​ |  | — | ​ |  | 33 | ​ |  | — | ​ |  | 40
Total | ​ | $ | 55,534 | ​ | $ | 33,622 | ​ | $ | 16,560 | ​ | $ | 50,182 | ​ | $ | 5,561 | ​ | $ | 46,303
​
Schedule of activity on the allowance for loan losses | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2018
​ |  |  | ​ |  | Commercial |  | Real Estate |  | Retail Real |  |  | ​ |  |  | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance | ​ | $ | 14,779 | ​ | $ | 21,813 | ​ | $ | 2,861 | ​ | $ | 13,783 | ​ | $ | 346 | ​ | $ | 53,582
Provision for loan losses | ​ |  | 5,767 | ​ |  | 3,227 | ​ |  | (259) | ​ |  | (4,824) | ​ |  | 518 | ​ |  | 4,429
Charged-off | ​ |  | (3,968) | ​ |  | (4,352) | ​ |  | (97) | ​ |  | (1,815) | ​ |  | (712) | ​ |  | (10,944)
Recoveries | ​ |  | 1,251 | ​ |  | 449 | ​ |  | 218 | ​ |  | 1,327 | ​ |  | 336 | ​ |  | 3,581
Ending balance | ​ | $ | 17,829 | ​ | $ | 21,137 | ​ | $ | 2,723 | ​ | $ | 8,471 | ​ | $ | 488 | ​ | $ | 50,648
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2017
​ |  | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real |  | ​ | ​ |  | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance | ​ | $ | 13,303 | ​ | $ | 20,623 | ​ | $ | 1,870 | ​ | $ | 11,648 | ​ | $ | 351 | ​ | $ | 47,795
Provision for loan losses | ​ |  | (1,091) | ​ |  | 2,439 | ​ |  | 581 | ​ |  | 3,263 | ​ |  | 111 | ​ |  | 5,303
Charged-off | ​ |  | (994) | ​ |  | (1,965) | ​ |  | (48) | ​ |  | (2,691) | ​ |  | (541) | ​ |  | (6,239)
Recoveries | ​ |  | 3,561 | ​ |  | 716 | ​ |  | 458 | ​ |  | 1,563 | ​ |  | 425 | ​ |  | 6,723
Ending balance | ​ | $ | 14,779 | ​ | $ | 21,813 | ​ | $ | 2,861 | ​ | $ | 13,783 | ​ | $ | 346 | ​ | $ | 53,582
Schedule of allowance for loan losses and recorded investments in portfolio loans, by category | The following table presents the allowance for loan losses and recorded investments in portfolio loans by category (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2019
​ |  | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real |  | ​ | ​ |  | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Allowance for loan losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance attributed to: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 3,330 | ​ | $ | 1,049 | ​ | $ | — | ​ | $ | 474 | ​ | $ | — | ​ | $ | 4,853
Loans collectively evaluated for impairment | ​ |  | 14,961 | ​ |  | 20,141 | ​ |  | 3,204 | ​ |  | 10,021 | ​ |  | 568 | ​ |  | 48,895
Ending balance | ​ | $ | 18,291 | ​ | $ | 21,190 | ​ | $ | 3,204 | ​ | $ | 10,495 | ​ | $ | 568 | ​ | $ | 53,748
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 9,740 | ​ | $ | 10,018 | ​ | $ | 539 | ​ | $ | 13,676 | ​ | $ | 58 | ​ | $ | 34,031
Loans collectively evaluated for impairment | ​ |  | 1,738,615 | ​ |  | 2,781,495 | ​ | ​ | 400,887 | ​ |  | 1,679,397 | ​ |  | 49,776 | ​ |  | 6,650,170
PCI loans evaluated for impairment | ​ | ​ | 13 | ​ | ​ | 1,904 | ​ | ​ | 435 | ​ | ​ | 696 | ​ | ​ | — | ​ | ​ | 3,048
Ending balance | ​ | $ | 1,748,368 | ​ | $ | 2,793,417 | ​ | $ | 401,861 | ​ | $ | 1,693,769 | ​ | $ | 49,834 | ​ | $ | 6,687,249
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2018
​ |  | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real |  | ​ | ​ |  | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Allowance for loan losses | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance attributed to: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 4,319 | ​ | $ | 1,181 | ​ | $ | — | ​ | $ | 61 | ​ | $ | — | ​ | $ | 5,561
Loans collectively evaluated for impairment | ​ |  | 13,510 | ​ |  | 19,956 | ​ |  | 2,723 | ​ |  | 8,410 | ​ |  | 488 | ​ |  | 45,087
Ending balance | ​ | $ | 17,829 | ​ | $ | 21,137 | ​ | $ | 2,723 | ​ | $ | 8,471 | ​ | $ | 488 | ​ | $ | 50,648
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 18,441 | ​ | $ | 15,318 | ​ | $ | 453 | ​ | $ | 13,159 | ​ | $ | 33 | ​ | $ | 47,404
Loans collectively evaluated for impairment | ​ |  | 1,386,247 | ​ |  | 2,349,243 | ​ |  | 287,744 | ​ |  | 1,466,876 | ​ |  | 28,136 | ​ |  | 5,518,246
PCI loans evaluated for impairment | ​ | ​ | 418 | ​ | ​ | 2,262 | ​ | ​ | — | ​ | ​ | 98 | ​ | ​ | — | ​ | ​ | 2,778
Ending balance | ​ | $ | 1,405,106 | ​ | $ | 2,366,823 | ​ | $ | 288,197 | ​ | $ | 1,480,133 | ​ | $ | 28,169 | ​ | $ | 5,568,428

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- Definition Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off by category and geographic location. + References No definition available. + Details
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