Commitments and Contingencies

12 Months Ended

Dec. 31, 2017

Commitments and Contingencies Disclosure [Abstract]

Commitments

The following table sets forth our commitments and letters of credit as of the dates presented:



	December 31,
(dollars in thousands)	2017		2016
Commitments to extend credit	$	1,420,428	$	1,509,696
Standby letters of credit	80,918		84,534
Total	$	1,501,346	$	1,594,230

Estimates of the fair value of these off-balance sheet items were not made because of the short-term nature of these arrangements and the credit standing of the counterparties.

Our allowance for unfunded loan commitments totaled $2.2 million at December 31, 2017 and $2.6 million at December 31, 2016.

We have future commitments with third party vendors for data processing and communication charges. Data processing and communication expense was consistent for 2017 and 2016 at $10.4 million and $11.7 million for 2015 due to the Merger. Included in the 2015 expense was $1.3 million of merger-related expenses. There were no data processing and communication merger- related expenses in 2017 or 2016.

The following table sets forth the future estimated payments related to data processing and communication charges for each of the five years following December 31, 2017:



(dollars in thousands)	Total
2018	$	12,237
2019	12,633
2020	13,047
2021	13,465
2022	13,926
Total	$	65,308

Litigation

In the normal course of business, we are subject to various legal and administrative proceedings and claims. While any type of litigation contains a level of uncertainty, we believe that the outcome of such proceedings or claims pending will not have a material adverse effect on our consolidated financial position or results of operations.