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Portfolio loans (Tables) | 9 Months Ended
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Sep. 30, 2020
Portfolio loans |
Distribution of portfolio loans | The distribution of portfolio loans is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | September 30, 2020 | ​ | December 31, 2019
Commercial | ​ | $ | 2,281,031 | ​ | $ | 1,748,368
Commercial real estate | ​ | ​ | 2,912,408 | ​ | ​ | 2,793,417
Real estate construction | ​ | ​ | 407,266 | ​ | ​ | 401,861
Retail real estate | ​ | ​ | 1,480,520 | ​ | ​ | 1,693,769
Retail other | ​ | ​ | 40,086 | ​ | ​ | 49,834
Portfolio loans | ​ | $ | 7,121,311 | ​ | $ | 6,687,249
​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance | ​ | ​ | (98,841) | ​ | ​ | (53,748)
Portfolio loans, net | ​ | $ | 7,022,470 | ​ | $ | 6,633,501
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. September 30, 2020 includes purchase discounts and clearings in the pass rating. December 31, 2019 excludes purchase discounts and clearings. (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2020
​ |  | ​ |  | ​ |  | Special |  | ​ |  | Substandard
​ |  | Pass |  | Watch |  | Mention |  | Substandard |  | Non-accrual
Commercial |  | $ | 2,011,113 | ​ | $ | 145,817 | ​ | $ | 82,942 | ​ | $ | 33,247 | ​ | $ | 7,912
Commercial real estate |  |  | 2,541,455 | ​ |  | 255,447 | ​ |  | 71,315 | ​ |  | 37,052 | ​ |  | 7,139
Real estate construction |  |  | 376,787 | ​ |  | 26,820 | ​ |  | 603 | ​ |  | 2,797 | ​ |  | 259
Retail real estate |  |  | 1,452,145 | ​ |  | 10,960 | ​ |  | 4,069 | ​ |  | 4,848 | ​ |  | 8,498
Retail other |  |  | 39,996 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 90
Total | ​ | $ | 6,421,496 | ​ | $ | 439,044 | ​ | $ | 158,929 | ​ | $ | 77,944 | ​ | $ | 23,898
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
Risk grades of portfolio loans, further sorted by origination | Risk grades of portfolio loans, further sorted by origination year at September 30, 2020 is as follows (dollars in thousand): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
As of September 30, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 | ​ | ​ | Prior | ​ | ​ | loans | ​ | ​ | Total
Commercial: |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 1,029,324 | ​ | $ | 173,103 | ​ | $ | 117,434 | ​ | $ | 100,388 | ​ | $ | 67,473 | ​ | $ | 87,096 | ​ | $ | 436,295 | ​ | $ | 2,011,113
Watch | ​ | ​ | 24,601 | ​ | ​ | 21,566 | ​ | ​ | 16,918 | ​ | ​ | 14,606 | ​ | ​ | 3,488 | ​ | ​ | 13,653 | ​ | ​ | 50,985 | ​ | ​ | 145,817
Special Mention | ​ | ​ | 6,011 | ​ | ​ | 2,572 | ​ | ​ | 2,166 | ​ | ​ | 7,181 | ​ | ​ | 6,853 | ​ | ​ | 14,949 | ​ | ​ | 43,210 | ​ | ​ | 82,942
Substandard | ​ | ​ | 8,450 | ​ | ​ | 3,578 | ​ | ​ | 2,528 | ​ | ​ | 4,437 | ​ | ​ | 935 | ​ | ​ | 1,292 | ​ | ​ | 12,027 | ​ | ​ | 33,247
Substandard non-accrual | ​ | ​ | 348 | ​ | ​ | 3,076 | ​ | ​ | 586 | ​ | ​ | 540 | ​ | ​ | 792 | ​ | ​ | 70 | ​ | ​ | 2,500 | ​ | ​ | 7,912
Total commercial | ​ | $ | 1,068,734 | ​ | $ | 203,895 | ​ | $ | 139,632 | ​ | $ | 127,152 | ​ | $ | 79,541 | ​ | $ | 117,060 | ​ | $ | 545,017 | ​ | $ | 2,281,031
Commercial real estate: |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 557,205 | ​ | $ | 565,460 | ​ | $ | 425,448 | ​ | $ | 439,438 | ​ | $ | 215,498 | ​ | $ | 315,026 | ​ | $ | 23,380 | ​ | $ | 2,541,455
Watch | ​ | ​ | 52,304 | ​ | ​ | 71,844 | ​ | ​ | 62,609 | ​ | ​ | 28,787 | ​ | ​ | 21,629 | ​ | ​ | 18,186 | ​ | ​ | 88 | ​ | ​ | 255,447
Special Mention | ​ | ​ | 8,429 | ​ | ​ | 14,981 | ​ | ​ | 5,479 | ​ | ​ | 12,664 | ​ | ​ | 6,096 | ​ | ​ | 23,170 | ​ | ​ | 496 | ​ | ​ | 71,315
Substandard | ​ | ​ | 19,809 | ​ | ​ | 4,662 | ​ | ​ | 1,197 | ​ | ​ | 7,165 | ​ | ​ | 2,137 | ​ | ​ | 1,587 | ​ | ​ | 495 | ​ | ​ | 37,052
Substandard non-accrual | ​ | ​ | 923 | ​ | ​ | 795 | ​ | ​ | 1,939 | ​ | ​ | 1,475 | ​ | ​ | 287 | ​ | ​ | 1,720 | ​ | ​ | — | ​ | ​ | 7,139
Total commercial real estate | ​ | $ | 638,670 | ​ | $ | 657,742 | ​ | $ | 496,672 | ​ | $ | 489,529 | ​ | $ | 245,647 | ​ | $ | 359,689 | ​ | $ | 24,459 | ​ | $ | 2,912,408
Real estate construction: |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 107,927 | ​ | $ | 188,254 | ​ | $ | 60,326 | ​ | $ | 1,188 | ​ | $ | 568 | ​ | $ | 1,868 | ​ | $ | 16,656 | ​ | $ | 376,787
Watch | ​ | ​ | 17,661 | ​ | ​ | 4,266 | ​ | ​ | 2,515 | ​ | ​ | 2,205 | ​ | ​ | 173 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 26,820
Special Mention | ​ | ​ | 592 | ​ | ​ | 11 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 603
Substandard | ​ | ​ | 2,577 | ​ | ​ | — | ​ | ​ | 47 | ​ | ​ | 25 | ​ | ​ | 148 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,797
Substandard non-accrual | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 256 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | — | ​ | ​ | 259
Total real estate construction | ​ | $ | 128,757 | ​ | $ | 192,531 | ​ | $ | 63,144 | ​ | $ | 3,418 | ​ | $ | 889 | ​ | $ | 1,871 | ​ | $ | 16,656 | ​ | $ | 407,266
Retail real estate: |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 273,752 | ​ | $ | 180,799 | ​ | $ | 152,772 | ​ | $ | 158,192 | ​ | $ | 157,611 | ​ | $ | 293,570 | ​ | $ | 235,449 | ​ | $ | 1,452,145
Watch | ​ | ​ | 1,570 | ​ | ​ | 2,090 | ​ | ​ | 1,255 | ​ | ​ | 320 | ​ | ​ | 570 | ​ | ​ | 255 | ​ | ​ | 4,900 | ​ | ​ | 10,960
Special Mention | ​ | ​ | 516 | ​ | ​ | — | ​ | ​ | 70 | ​ | ​ | 589 | ​ | ​ | 1,975 | ​ | ​ | 919 | ​ | ​ | — | ​ | ​ | 4,069
Substandard | ​ | ​ | 1,642 | ​ | ​ | 100 | ​ | ​ | 330 | ​ | ​ | 82 | ​ | ​ | 770 | ​ | ​ | 1,655 | ​ | ​ | 269 | ​ | ​ | 4,848
Substandard non-accrual | ​ | ​ | 275 | ​ | ​ | 81 | ​ | ​ | 697 | ​ | ​ | 688 | ​ | ​ | 239 | ​ | ​ | 4,929 | ​ | ​ | 1,589 | ​ | ​ | 8,498
Total retail real estate | ​ | $ | 277,755 | ​ | $ | 183,070 | ​ | $ | 155,124 | ​ | $ | 159,871 | ​ | $ | 161,165 | ​ | $ | 301,328 | ​ | $ | 242,207 | ​ | $ | 1,480,520
Retail other: |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 6,974 | ​ | $ | 10,695 | ​ | $ | 6,798 | ​ | $ | 3,336 | ​ | $ | 961 | ​ | $ | 777 | ​ | $ | 10,455 | ​ | $ | 39,996
Watch | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard non-accrual | ​ | ​ | 15 | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 1 | ​ | ​ | 64 | ​ | ​ | 1 | ​ | ​ | 90
Total retail other | ​ | $ | 6,989 | ​ | $ | 10,702 | ​ | $ | 6,798 | ​ | $ | 3,338 | ​ | $ | 962 | ​ | $ | 841 | ​ | $ | 10,456 | ​ | $ | 40,086
Summary of portfolio loans that are past due and still accruing or on a non-accrual status | An analysis of the amortized cost basis of portfolio loans that are past due and still accruing or on a non-accrual status is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2020
​ | ​ | Loans past due, still accruing | ​ | Non-accrual
​ |  | 30-59 Days |  | 60-89 Days |  | 90+Days |  | Loans
Commercial | ​ | $ | 53 | ​ | $ | — | ​ | $ | — | ​ | $ | 7,912
Commercial real estate | ​ | ​ | 74 | ​ | ​ | 294 | ​ | ​ | — | ​ | ​ | 7,139
Real estate construction | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 259
Retail real estate | ​ | ​ | 4,606 | ​ | ​ | 1,558 | ​ | ​ | 262 | ​ | ​ | 8,498
Retail other | ​ |  | 98 | ​ |  | 25 | ​ |  | 17 | ​ |  | 90
Total | ​ | $ | 4,831 | ​ | $ | 1,877 | ​ | $ | 279 | ​ | $ | 23,898
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
Summary of restructured loans | A summary of troubled debt restructurings (“TDR”) loans is as follows (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | September 30, | ​ | ​ | December 31,
​ | ​ | 2020 |  | 2019
In compliance with modified terms | ​ | $ | 3,927 | ​ | $ | 5,005
30 — 89 days past due | ​ |  | 291 | ​ |  | —
Included in non-performing loans | ​ |  | 1,253 | ​ |  | 702
Total | ​ | $ | 5,471 | ​ | $ | 5,707
Schedule of details of impaired loans, segregated by category | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2020
​ |  | Unpaid |  | Amortized |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
​ | ​ | Contractual | ​ | Cost | ​ | Amortized | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Cost | ​ | Amortized | ​ | Related | ​ | Amortized
​ |  | Balance |  | Allowance |  | with Allowance |  | Cost |  | Allowance |  | Cost
Commercial | ​ | $ | 15,464 | ​ | $ | 2,554 | ​ | $ | 5,205 | ​ | $ | 7,759 | ​ | $ | 1,694 | ​ | $ | 8,746
Commercial real estate | ​ |  | 9,047 | ​ | ​ | 7,737 | ​ | ​ | 594 | ​ |  | 8,331 | ​ |  | 236 | ​ |  | 11,613
Real estate construction | ​ |  | 569 | ​ |  | 552 | ​ |  | — | ​ |  | 552 | ​ |  | — | ​ |  | 709
Retail real estate | ​ |  | 5,285 | ​ |  | 4,578 | ​ |  | 474 | ​ |  | 5,052 | ​ |  | 474 | ​ |  | 9,059
Retail other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 23
Total | ​ | $ | 30,365 | ​ | $ | 15,421 | ​ | $ | 6,273 | ​ | $ | 21,694 | ​ | $ | 2,404 | ​ | $ | 30,150
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2019
​ |  | Unpaid |  | Amortized |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​
​ | ​ | Contractual | ​ | Cost | ​ | Amortized | ​ | Total | ​ | ​ | ​ | ​ | Average
​ | ​ | Principal | ​ | with No | ​ | Cost | ​ | Amortized | ​ | Related | ​ | Amortized
​ |  | Balance |  | Allowance |  | with Allowance |  | Cost |  | Allowance |  | Cost
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
Schedule of activity on the allowance for loan losses | The following table details activity in the allowance. Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Three Months Ended September 30, 2020
​ |  |  | ​ |  | Commercial |  | Real Estate |  | Retail Real |  |  | ​ |  |  | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance | ​ | $ | 24,146 | ​ | $ | 42,680 | ​ | $ | 7,792 | ​ | $ | 20,405 | ​ | $ | 1,023 | ​ | $ | 96,046
Provision for credit losses | ​ |  | 2,593 | ​ |  | 3,703 | ​ |  | (381) | ​ |  | (383) | ​ |  | 17 | ​ |  | 5,549
Charged-off | ​ |  | (2,500) | ​ |  | (569) | ​ |  | (18) | ​ | ​ | (139) | ​ |  | (171) | ​ |  | (3,397)
Recoveries | ​ |  | 124 | ​ |  | 103 | ​ |  | 26 | ​ |  | 301 | ​ |  | 89 | ​ |  | 643
Ending balance | ​ | $ | 24,363 | ​ | $ | 45,917 | ​ | $ | 7,419 | ​ | $ | 20,184 | ​ | $ | 958 | ​ | $ | 98,841
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Nine Months Ended September 30, 2020
​ |  |  | ​ |  | Commercial |  | Real Estate |  | Retail Real |  |  | ​ |  |  | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance, prior to adoption of ASC 326 | ​ | $ | 18,291 | ​ | $ | 21,190 | ​ | $ | 3,204 | ​ | $ | 10,495 | ​ | $ | 568 | ​ | $ | 53,748
Adoption of ASC 326 | ​ | ​ | 715 | ​ | ​ | 9,306 | ​ | ​ | 2,954 | ​ | ​ | 3,292 | ​ | ​ | 566 | ​ | ​ | 16,833
Provision for credit losses | ​ |  | 10,739 | ​ |  | 17,090 | ​ |  | 1,082 | ​ |  | 6,635 | ​ |  | 110 | ​ |  | 35,656
Charged-off | ​ |  | (5,682) | ​ |  | (1,833) | ​ |  | (18) | ​ | ​ | (1,139) | ​ |  | (575) | ​ |  | (9,247)
Recoveries | ​ |  | 300 | ​ |  | 164 | ​ |  | 197 | ​ |  | 901 | ​ |  | 289 | ​ |  | 1,851
Ending balance | ​ | $ | 24,363 | ​ | $ | 45,917 | ​ | $ | 7,419 | ​ | $ | 20,184 | ​ | $ | 958 | ​ | $ | 98,841
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Three Months Ended September 30, 2019
​ |  |  | ​ |  | Commercial |  | Real Estate |  | Retail Real |  |  | ​ |  |  | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance | ​ | $ | 16,733 | ​ | $ | 20,188 | ​ | $ | 3,305 | ​ | $ | 10,613 | ​ | ​ | 536 | ​ | $ | 51,375
Provision for loan losses | ​ |  | 463 | ​ |  | 3,167 | ​ |  | (359) | ​ |  | (86) | ​ | ​ | 226 | ​ |  | 3,411
Charged-off | ​ |  | (817) | ​ |  | (1,168) | ​ |  | — | ​ | ​ | (226) | ​ | ​ | (288) | ​ |  | (2,499)
Recoveries | ​ |  | 147 | ​ |  | 33 | ​ |  | 164 | ​ |  | 221 | ​ | ​ | 113 | ​ |  | 678
Ending balance | ​ | $ | 16,526 | ​ | $ | 22,220 | ​ | $ | 3,110 | ​ | $ | 10,522 | ​ | $ | 587 | ​ | $ | 52,965
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of and for the Nine Months Ended September 30, 2019
​ | ​ |  | ​ |  | Commercial |  | Real Estate |  | Retail Real |  |  | ​ |  |  | ​
​ | ​ | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Beginning balance | ​ | $ | 17,829 | ​ | $ | 21,137 | ​ | $ | 2,723 | ​ | $ | 8,471 | ​ | $ | 488 | ​ | $ | 50,648
Provision for loan losses | ​ |  | 3,417 | ​ |  | 1,981 | ​ |  | 54 | ​ |  | 2,212 | ​ |  | 375 | ​ |  | 8,039
Charged-off | ​ |  | (5,187) | ​ |  | (1,183) | ​ |  | — | ​ | ​ | (943) | ​ |  | (596) | ​ |  | (7,909)
Recoveries | ​ |  | 467 | ​ |  | 285 | ​ |  | 333 | ​ |  | 782 | ​ |  | 320 | ​ |  | 2,187
Ending balance | ​ | $ | 16,526 | ​ | $ | 22,220 | ​ | $ | 3,110 | ​ | $ | 10,522 | ​ | $ | 587 | ​ | $ | 52,965
Schedule of allowance for loan losses and recorded investments in portfolio loans, by category | The following table presents the allowance and amortized cost of portfolio loans by category (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of September 30, 2020
​ |  | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real |  | ​ | ​ |  | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Allowance | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance attributed to: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 1,694 | ​ | $ | 236 | ​ | $ | — | ​ | $ | 474 | ​ | $ | — | ​ | $ | 2,404
Loans collectively evaluated for impairment | ​ |  | 22,669 | ​ |  | 45,681 | ​ |  | 7,419 | ​ |  | 19,710 | ​ |  | 958 | ​ |  | 96,437
Ending balance | ​ | $ | 24,363 | ​ | $ | 45,917 | ​ | $ | 7,419 | ​ | $ | 20,184 | ​ | $ | 958 | ​ | $ | 98,841
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans individually evaluated for impairment | ​ | $ | 7,759 | ​ | $ | 6,415 | ​ | $ | 297 | ​ | $ | 4,666 | ​ | $ | — | ​ | $ | 19,137
Loans collectively evaluated for impairment | ​ |  | 2,273,272 | ​ |  | 2,904,077 | ​ | ​ | 406,714 | ​ |  | 1,475,468 | ​ |  | 40,086 | ​ |  | 7,099,617
PCD loans evaluated for impairment | ​ | ​ | — | ​ | ​ | 1,916 | ​ | ​ | 255 | ​ | ​ | 386 | ​ | ​ | — | ​ | ​ | 2,557
Ending balance | ​ | $ | 2,281,031 | ​ | $ | 2,912,408 | ​ | $ | 407,266 | ​ | $ | 1,480,520 | ​ | $ | 40,086 | ​ | $ | 7,121,311
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | As of December 31, 2019
​ |  | ​ | ​ |  | Commercial |  | Real Estate |  | Retail Real |  | ​ | ​ |  | ​ | ​
​ |  | Commercial |  | Real Estate |  | Construction |  | Estate |  | Retail Other |  | Total
Allowance | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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

X
- Definition Tabular disclosure of financing receivables by credit quality indicator and origination. 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 No definition available. + Details
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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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- Definition Tabular disclosure of restructured loans including those in compliance, past due and classified as non-performing. + References No definition available. + Details
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