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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Age Analysis of Past Due Loans Segregated by Class of Loans | The following tables present the age analysis of past due loans segregated by class of loans as of the dates presented:
| December 31, 2019
(dollars in thousands) | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days + Past Due(1) |  |  | Non- performing |  |  | Total Past Due Loans |  |  | Total Loans |
Commercial real estate | $ | 3,376,156 |  |  | $ | 9,595 |  |  | $ | 716 |  |  | $ | 911 |  |  | $ | 29,140 |  |  | $ | 40,362 |  |  | $ | 3,416,518 |
Commercial and industrial | 1,700,522 |  |  | 2,940 |  |  | 1,946 |  |  | 1,443 |  |  | 13,982 |  |  | 20,311 |  |  | 1,720,833 |
Commercial construction | 372,589 |  |  | 956 |  |  | 1,163 |  |  | — |  |  | 737 |  |  | 2,856 |  |  | 375,445 |
Residential mortgage | 986,148 |  |  | 2,016 |  |  | 1,727 |  |  | 1,175 |  |  | 7,519 |  |  | 12,437 |  |  | 998,585 |
Home equity | 533,367 |  |  | 2,059 |  |  | 141 |  |  | 142 |  |  | 2,639 |  |  | 4,981 |  |  | 538,348 |
Installment and other consumer | 78,189 |  |  | 426 |  |  | 292 |  |  | 86 |  |  | 40 |  |  | 844 |  |  | 79,033 |
Consumer construction | 8,390 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,390 |
Loans held for sale | 5,256 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,256 |
Total | $ | 7,060,617 |  |  | $ | 17,992 |  |  | $ | 5,985 |  |  | $ | 3,757 |  |  | $ | 54,057 |  |  | $ | 81,791 |  |  | $ | 7,142,408 |
(1)Represents acquired loans that were recorded at fair value at the acquisition date and remain performing.
| December 31, 2018
(dollars in thousands) | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days + Past Due |  |  | Non- performing |  |  | Total Past Due Loans |  |  | Total Loans |
Commercial real estate | $ | 2,903,997 |  |  | $ | 3,638 |  |  | $ | 2,145 |  |  | $ | — |  |  | $ | 12,052 |  |  | $ | 17,835 |  |  | $ | 2,921,832 |
Commercial and industrial | 1,482,473 |  |  | 1,000 |  |  | 983 |  |  | — |  |  | 8,960 |  |  | 10,943 |  |  | 1,493,416 |
Commercial construction | 243,004 |  |  | — |  |  | — |  |  | — |  |  | 14,193 |  |  | 14,193 |  |  | 257,197 |
Residential mortgage | 717,447 |  |  | 1,584 |  |  | 520 |  |  | — |  |  | 7,128 |  |  | 9,232 |  |  | 726,679 |
Home equity | 465,152 |  |  | 2,103 |  |  | 609 |  |  | — |  |  | 3,698 |  |  | 6,410 |  |  | 471,562 |
Installment and other consumer | 67,281 |  |  | 148 |  |  | 75 |  |  | — |  |  | 42 |  |  | 265 |  |  | 67,546 |
Consumer construction | 8,416 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,416 |
Loans held for sale | 2,371 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,371 |
Total | $ | 5,890,141 |  |  | $ | 8,473 |  |  | $ | 4,332 |  |  | $ | — |  |  | $ | 46,073 |  |  | $ | 58,878 |  |  | $ | 5,949,019 |
Recorded Investment in Commercial Loan Classes by Internally Assigned Risk Ratings | The following tables present the recorded investment in commercial loan classes by internally assigned risk ratings as of the dates presented:
| December 31, 2019
(dollars in thousands) | Commercial Real Estate |  |  | % of Total |  |  | Commercial and Industrial |  |  | % of Total |  |  | Commercial Construction |  |  | % of Total |  |  | Total |  |  | % of Total |
Pass | $ | 3,270,437 |  |  | 95.7 | % |  | $ | 1,636,314 |  |  | 95.1 | % |  | $ | 347,324 |  |  | 92.5 | % |  | $ | 5,254,076 |  |  | 95.3 | %
Special mention | 57,285 |  |  | 1.7 | % |  | 36,484 |  |  | 2.1 | % |  | 10,109 |  |  | 2.7 | % |  | 103,878 |  |  | 1.9 | %
Substandard | 86,772 |  |  | 2.5 | % |  | 47,980 |  |  | 2.8 | % |  | 17,899 |  |  | 4.8 | % |  | 152,651 |  |  | 2.8 | %
Doubtful | 2,023 |  |  | — | % |  | 55 |  |  | — | % |  | 113 |  |  | — | % |  | 2,191 |  |  | — | %
Total | $ | 3,416,518 |  |  | 100.0 | % |  | $ | 1,720,833 |  |  | 100.0 | % |  | $ | 375,445 |  |  | 100.0 | % |  | $ | 5,512,796 |  |  | 100.0 | %
| December 31, 2018
(dollars in thousands) | Commercial Real Estate |  |  | % of Total |  |  | Commercial and Industrial |  |  | % of Total |  |  | Commercial Construction |  |  | % of Total |  |  | Total |  |  | % of Total |
Pass | $ | 2,774,997 |  |  | 95.0 | % |  | $ | 1,394,067 |  |  | 93.4 | % |  | $ | 233,103 |  |  | 90.7 | % |  | $ | 4,402,167 |  |  | 94.3 | %
Special mention | 54,627 |  |  | 1.9 | % |  | 25,368 |  |  | 1.7 | % |  | 7,349 |  |  | 2.8 | % |  | 87,344 |  |  | 1.8 | %
Substandard | 90,913 |  |  | 3.1 | % |  | 73,621 |  |  | 4.9 | % |  | 16,658 |  |  | 6.5 | % |  | 181,192 |  |  | 3.9 | %
Doubtful | 1,295 |  |  | — | % |  | 360 |  |  | — | % |  | 87 |  |  | — | % |  | 1,742 |  |  | — | %
Total | $ | 2,921,832 |  |  | 100.0 | % |  | $ | 1,493,416 |  |  | 100.0 | % |  | $ | 257,197 |  |  | 100.0 | % |  | $ | 4,672,445 |  |  | 100.0 | %
Recorded Investment in Consumer Loan Classes by Performing and Nonperforming Status | The following tables present the recorded investment in consumer loan classes by performing and nonperforming status as of the dates presented:
| December 31, 2019
(dollars in thousands) | Residential Mortgage |  |  | % of Total |  |  | Home Equity |  |  | % of Total |  |  | Installment and other consumer |  |  | % of Total |  |  | Consumer Construction |  |  | % of Total |  |  | Total |  |  | % of Total |
Performing | $ | 991,066 |  |  | 99.2 | % |  | $ | 535,709 |  |  | 99.5 | % |  | $ | 78,993 |  |  | 99.9 | % |  | $ | 8,390 |  |  | 100.0 | % |  | $ | 1,614,158 |  |  | 99.4 | %
Nonperforming | 7,519 |  |  | 0.8 | % |  | 2,639 |  |  | 0.5 | % |  | 40 |  |  | 0.1 | % |  | — |  |  | — | % |  | 10,198 |  |  | 0.6 | %
Total | $ | 998,585 |  |  | 100.0 | % |  | $ | 538,348 |  |  | 100.0 | % |  | $ | 79,033 |  |  | 100.0 | % |  | $ | 8,390 |  |  | 100.0 | % |  | $ | 1,624,356 |  |  | 100.0 | %
| December 31, 2018
(dollars in thousands) | Residential Mortgage |  |  | % of Total |  |  | Home Equity |  |  | % of Total |  |  | Installment and other consumer |  |  | % of Total |  |  | Consumer Construction |  |  | % of Total |  |  | Total |  |  | % of Total |
Performing | $ | 719,551 |  |  | 99.0 | % |  | $ | 467,864 |  |  | 99.2 | % |  | $ | 67,504 |  |  | 99.9 | % |  | $ | 8,416 |  |  | 100.0 | % |  | $ | 1,263,335 |  |  | 99.1 | %
Nonperforming | 7,128 |  |  | 1.0 | % |  | 3,698 |  |  | 0.8 | % |  | 42 |  |  | 0.1 | % |  | — |  |  | — | % |  | 10,868 |  |  | 0.9 | %
Total | $ | 726,679 |  |  | 100.0 | % |  | $ | 471,562 |  |  | 100.0 | % |  | $ | 67,546 |  |  | 100.0 | % |  | $ | 8,416 |  |  | 100.0 | % |  | $ | 1,274,203 |  |  | 100.0 | %
Investments in Loans Considered to be Impaired and Related Information on Impaired Loans | The following table summarizes average recorded investment and interest income recognized on loans considered to be impaired for the years presented:
| For the Year Ended
| December 31, 2019 |  | December 31, 2018
(dollars in thousands) | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With a related allowance recorded: |  |  |  |  |  |  |
Commercial real estate | $ | 14,018 |  |  | $ | — |  |  | $ | 7,780 |  |  | $ | 238 |
Commercial and industrial | 10,135 |  |  | 576 |  |  | 591 |  |  | 38 |
Commercial construction | 489 |  |  | — |  |  | 561 |  |  | — |
Consumer real estate | — |  |  | — |  |  | 16 |  |  | 1 |
Other consumer | 13 |  |  | 1 |  |  | 19 |  |  | 1 |
Total with a Related Allowance Recorded | 24,655 |  |  | 577 |  |  | 8,967 |  |  | 278 |
Without a related allowance recorded: |  |  |  |  |  |  |
Commercial real estate | 35,739 |  |  | 943 |  |  | 3,911 |  |  | 172 |
Commercial and industrial | 5,565 |  |  | 368 |  |  | 4,722 |  |  | 257 |
Commercial construction | 1,831 |  |  | 131 |  |  | 17,643 |  |  | 217 |
Consumer real estate | 8,190 |  |  | 397 |  |  | 9,701 |  |  | 483 |
Other consumer | 7 |  |  | — |  |  | 24 |  |  | — |
Total without a Related Allowance Recorded | 51,332 |  |  | 1,839 |  |  | 36,001 |  |  | 1,129 |
Total: |  |  |  |  |  |  |
Commercial real estate | 49,757 |  |  | 943 |  |  | 11,691 |  |  | 410 |
Commercial and industrial | 15,700 |  |  | 944 |  |  | 5,313 |  |  | 295 |
Commercial construction | 2,320 |  |  | 131 |  |  | 18,204 |  |  | 217 |
Consumer real estate | 8,190 |  |  | 397 |  |  | 9,717 |  |  | 484 |
Other consumer | 20 |  |  | 1 |  |  | 43 |  |  | 1 |
Total | $ | 75,987 |  |  | $ | 2,416 |  |  | $ | 44,968 |  |  | $ | 1,407 |
The following table summarizes investments in loans considered to be impaired and related information on those impaired loans as of the dates presented:
| December 31, 2019 |  | December 31, 2018
(dollars in thousands) | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 13,011 |  |  | $ | 14,322 |  |  | $ | 2,023 |  |  | $ | 7,733 |  |  | $ | 7,733 |  |  | $ | 1,295 |
Commercial and industrial | 10,001 |  |  | 10,001 |  |  | 55 |  |  | 884 |  |  | 893 |  |  | 360 |
Commercial construction | 489 |  |  | 489 |  |  | 113 |  |  | 489 |  |  | 489 |  |  | 87 |
Consumer real estate | — |  |  | — |  |  | — |  |  | 15 |  |  | 14 |  |  | 10 |
Other consumer | 9 |  |  | 9 |  |  | 9 |  |  | 11 |  |  | 12 |  |  | 11 |
Total with a Related Allowance Recorded | 23,510 |  |  | 24,821 |  |  | 2,200 |  |  | 9,132 |  |  | 9,141 |  |  | 1,763 |
Without a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 34,909 |  |  | 40,201 |  |  | — |  |  | 3,636 |  |  | 4,046 |  |  | — |
Commercial and industrial | 7,605 |  |  | 10,358 |  |  | — |  |  | 12,788 |  |  | 14,452 |  |  | — |
Commercial construction | 1,425 |  |  | 2,935 |  |  | — |  |  | 15,286 |  |  | 19,198 |  |  | — |
Consumer real estate | 7,884 |  |  | 8,445 |  |  | — |  |  | 8,659 |  |  | 9,635 |  |  | — |
Other consumer | 4 |  |  | 11 |  |  | — |  |  | 5 |  |  | 18 |  |  | — |
Total without a Related Allowance Recorded | 51,827 |  |  | 61,950 |  |  | — |  |  | 40,374 |  |  | 47,349 |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 47,920 |  |  | 54,523 |  |  | 2,023 |  |  | 11,369 |  |  | 11,779 |  |  | 1,295 |
Commercial and industrial | 17,606 |  |  | 20,359 |  |  | 55 |  |  | 13,672 |  |  | 15,345 |  |  | 360 |
Commercial construction | 1,914 |  |  | 3,424 |  |  | 113 |  |  | 15,775 |  |  | 19,687 |  |  | 87 |
Consumer real estate | 7,884 |  |  | 8,445 |  |  | — |  |  | 8,674 |  |  | 9,649 |  |  | 10 |
Other consumer | 13 |  |  | 20 |  |  | 9 |  |  | 16 |  |  | 30 |  |  | 11 |
Total | $ | 75,337 |  |  | $ | 86,771 |  |  | $ | 2,200 |  |  | $ | 49,506 |  |  | $ | 56,490 |  |  | $ | 1,763 |
Summary of Allowance for Loan Losses | The following tables detail activity in the ALL for the periods presented:
| 2019
(dollars in thousands) | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Commercial Construction |  |  | Consumer Real Estate |  |  | Other Consumer |  |  | Total |
Balance at beginning of year | $ | 33,707 |  |  | $ | 11,596 |  |  | $ | 7,983 |  |  | $ | 6,187 |  |  | $ | 1,523 |  |  | $ | 60,996 |
Charge-offs | (3,664 | ) |  | (8,928 | ) |  | (406 | ) |  | (1,353 | ) |  | (1,838 | ) |  | (16,189 | )
Recoveries | 137 |  |  | 1,388 |  |  | 5 |  |  | 637 |  |  | 377 |  |  | 2,544 |
Net (Charge-offs) | (3,527 | ) |  | (7,540 | ) |  | (401 | ) |  | (716 | ) |  | (1,461 | ) |  | (13,645 | )
Provision for loan losses | 397 |  |  | 11,625 |  |  | 318 |  |  | 866 |  |  | 1,667 |  |  | 14,873 |
Balance at End of Year | $ | 30,577 |  |  | $ | 15,681 |  |  | $ | 7,900 |  |  | $ | 6,337 |  |  | $ | 1,729 |  |  | $ | 62,224 |
| 2018
(dollars in thousands) | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Commercial Construction |  |  | Consumer Real Estate |  |  | Other Consumer |  |  | Total |
Balance at beginning of year | $ | 27,235 |  |  | $ | 8,966 |  |  | $ | 13,167 |  |  | $ | 5,479 |  |  | $ | 1,543 |  |  | $ | 56,390 |
Charge-offs | (372 | ) |  | (8,574 | ) |  | (2,630 | ) |  | (1,319 | ) |  | (1,694 | ) |  | (14,589 | )
Recoveries | 309 |  |  | 1,723 |  |  | 1,135 |  |  | 541 |  |  | 492 |  |  | 4,200 |
Net (Charge-offs) | (63 | ) |  | (6,851 | ) |  | (1,495 | ) |  | (778 | ) |  | (1,202 | ) |  | (10,389 | )
Provision for loan losses | 6,535 |  |  | 9,481 |  |  | (3,689 | ) |  | 1,486 |  |  | 1,182 |  |  | 14,995 |
Balance at End of Year | $ | 33,707 |  |  | $ | 11,596 |  |  | $ | 7,983 |  |  | $ | 6,187 |  |  | $ | 1,523 |  |  | $ | 60,996 |
Summary of Allowance for Loan Losses and Recorded Investments | The following tables present the ALL and recorded investments in loans by category as of December 31:
| 2019
| Allowance for Loan Losses |  | Portfolio Loans
(dollars in thousands) | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total |  |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total |
Commercial real estate | $ | 2,023 |  |  | $ | 28,554 |  |  | $ | 30,577 |  |  | $ | 47,920 |  |  | $ | 3,368,598 |  |  | $ | 3,416,518 |
Commercial and industrial | 55 |  |  | 15,626 |  |  | 15,681 |  |  | 17,606 |  |  | 1,703,227 |  |  | 1,720,833 |
Commercial construction | 113 |  |  | 7,787 |  |  | 7,900 |  |  | 1,914 |  |  | 373,531 |  |  | 375,445 |
Consumer real estate | — |  |  | 6,337 |  |  | 6,337 |  |  | 7,884 |  |  | 1,537,439 |  |  | 1,545,323 |
Other consumer | 9 |  |  | 1,720 |  |  | 1,729 |  |  | 13 |  |  | 79,020 |  |  | 79,033 |
Total | $ | 2,200 |  |  | $ | 60,024 |  |  | $ | 62,224 |  |  | $ | 75,337 |  |  | $ | 7,061,815 |  |  | $ | 7,137,152 |
| 2018
| Allowance for Loan Losses |  | Portfolio Loans
(dollars in thousands) | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total |  |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total |
Commercial real estate | $ | 1,295 |  |  | $ | 32,412 |  |  | $ | 33,707 |  |  | $ | 11,369 |  |  | $ | 2,910,463 |  |  | $ | 2,921,832 |
Commercial and industrial | 360 |  |  | 11,236 |  |  | 11,596 |  |  | 13,672 |  |  | 1,479,744 |  |  | 1,493,416 |
Commercial construction | 87 |  |  | 7,896 |  |  | 7,983 |  |  | 15,775 |  |  | 241,422 |  |  | 257,197 |
Consumer real estate | 10 |  |  | 6,177 |  |  | 6,187 |  |  | 8,674 |  |  | 1,197,983 |  |  | 1,206,657 |
Other consumer | 11 |  |  | 1,512 |  |  | 1,523 |  |  | 16 |  |  | 67,530 |  |  | 67,546 |
Total | $ | 1,763 |  |  | $ | 59,233 |  |  | $ | 60,996 |  |  | $ | 49,506 |  |  | $ | 5,897,142 |  |  | $ | 5,946,648 |

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