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Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
ALLOWANCE FOR LOAN LOSSES | ALLOWANCE FOR LOAN LOSSES We maintain an ALL at a level determined to be appropriate to absorb estimated probable credit losses inherent within the loan portfolio as of the balance sheet date. We develop and document a systematic ALL methodology based on the following portfolio segments: 1) CRE, 2) C&I, 3) Commercial Construction, 4) Consumer Real Estate and 5) Other Consumer. The following are key risks within each portfolio segment: CRE—Loans secured by commercial purpose real estate, including both owner-occupied properties and investment properties for various purposes such as hotels, strip malls and apartments. Operations of the individual projects and global cash flows of the debtors are the primary sources of repayment for these loans. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the collateral type and the business prospects of the lessee, if the project is not owner-occupied. C&I—Loans made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. Cash flow from the operations of the company is the primary source of repayment for these loans. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the industry of the company. Collateral for these types of loans often does not have sufficient value in a distressed or liquidation scenario to satisfy the outstanding debt. Commercial Construction—Loans made to finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. While the risk of these loans is generally confined to the construction period, if there are problems, the project may not be completed, and as such, may not provide sufficient cash flow on its own to service the debt or have sufficient value in a liquidation to cover the outstanding principal. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the type of project and the experience and resources of the developer. Consumer Real Estate—Loans secured by first and second liens such as home equity loans, home equity lines of credit and 1-4 family residential mortgages, including purchase money mortgages. The primary source of repayment for these loans is the income and assets of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The state of the local housing market can also have a significant impact on this segment because low demand and/or declining home values can limit the ability of borrowers to sell a property and satisfy the debt. Other Consumer—Loans made to individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. This segment includes auto loans, unsecured loans and lines and credit cards. The primary source of repayment for these loans is the income and assets of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The value of the collateral, if there is any, is less likely to be a source of repayment due to less certain collateral values. We further assess risk within each portfolio segment by pooling loans with similar risk characteristics. For the commercial loan classes, the most important indicator of risk is the internally assigned risk rating, including pass, special mention and substandard. Consumer loans are pooled by type of collateral, lien position and loan to value, or LTV, ratio for Consumer Real Estate loans. Historical loss rates are applied to these loan pools to determine the reserve for loans collectively evaluated for impairment. The ALL methodology for groups of loans collectively evaluated for impairment is comprised of both a quantitative and qualitative analysis. A key assumption in the quantitative component of the reserve is the LEP. The LEP is an estimate of the average amount of time from the point at which a loss is incurred on a loan to the point at which the loss is confirmed. Another key assumption is the LBP which represents the historical data period utilized to calculate loss rates. Management monitors various credit quality indicators for both the commercial and consumer loan portfolios, including delinquency, nonperforming status and changes in risk ratings on a monthly basis. 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 |
We continually monitor the commercial loan portfolio through an internal risk rating system. Loan risk ratings are assigned based upon the creditworthiness of the borrower and are reviewed on an ongoing basis according to our internal policies. Loans within the pass rating generally have a lower risk of loss than loans risk rated as special mention and substandard. Our risk ratings are consistent with regulatory guidance and are as follows: Pass—The loan is currently performing and is of high quality. Special Mention—A special mention loan has potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects or in the strength of our credit position at some future date. Substandard—A substandard loan is not adequately protected by the net worth and/or paying capacity of the borrower or by the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Doubtful—Loans classified doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions, and values, highly questionable and improbable. 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 | %
Commercial substandard loans decreased $28.5 million from December 31, 2018 mainly due to loan pay-offs and upgrades of risk ratings. Special mention loans increased $16.5 million to $103.9 million at December 31, 2019 due to downgrades as a result of updated financial information. We monitor the delinquent status of the consumer portfolio on a monthly basis. Loans are considered nonperforming when interest and principal are 90 days or more past due or management has determined that a material deterioration in the borrower’s financial condition exists. The risk of loss is generally highest for nonperforming loans. Loans 90 days past due and still performing represent acquired loans that were recorded at fair value at the acquisition date. 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 | %
We individually evaluate all substandard and nonaccrual commercial loans greater than $0.5 million for impairment. Loans are considered to be impaired when based upon current information and events it is probable that we will be unable to collect all principal and interest payments due according to the original contractual terms of the loan agreement. A TDR will be reported as an impaired loan for the remaining life of the loan, unless the restructuring agreement specifies an interest rate equal to or greater than the rate that would be accepted at the time of the restructuring for a new loan with comparable risk and it is expected that the remaining principal and interest will be fully collected according to the restructured agreement. For each TDR or other impaired loan, we conduct further analysis to determine the probable loss and assign a specific reserve to the loan if deemed appropriate. 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 |
Impaired loans increased $25.8 million to $75.3 million compared to $49.5 million at December 31, 2018. During 2019, we modified a $20.2 million commercial relationship. The modification granted a concession to the borrower that reduced their monthly payments resulting in a TDR. The loan remains in performing status based on the strong historical repayment performance of the borrower prior to the restructure as well as recent changes occurring in the business which demonstrate the borrower’s ability to pay under the revised contractual terms. Guarantor support and sufficient collateral value further support the performing status of the loan. 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 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 |
Loans acquired in the DNB merger were recorded at fair value of $909.0 million with no carryover of the related ALL. 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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