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v3.19.3.a.u2

Loans and Loans Held for Sale (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Composition of Loans | The following table summarizes the composition of originated and acquired loans as of the dates presented:
| December 31,
(dollars in thousands) | 2019 |  | 2018
Commercial |  |  |
Commercial real estate | $ | 3,416,518 |  |  | $ | 2,921,832 |
Commercial and industrial | 1,720,833 |  |  | 1,493,416 |
Commercial construction | 375,445 |  |  | 257,197 |
Total Commercial Loans | 5,512,796 |  |  | 4,672,445 |
Consumer |  |  |
Residential mortgage | 998,585 |  |  | 726,679 |
Home equity | 538,348 |  |  | 471,562 |
Installment and other consumer | 79,033 |  |  | 67,546 |
Consumer construction | 8,390 |  |  | 8,416 |
Total Consumer Loans | 1,624,356 |  |  | 1,274,203 |
Total Portfolio Loans | 7,137,152 |  |  | 5,946,648 |
Loans held for sale | 5,256 |  |  | 2,371 |
Total Loans | $ | 7,142,408 |  |  | $ | 5,949,019 |
Restructured Loans for Periods Presented and Type of Concession | The following table summarizes our restructured loans as of the dates presented:
| December 31, 2019 |  | December 31, 2018
(dollars in thousands) | Performing TDRs |  |  | Nonperforming TDRs |  |  | Total TDRs |  |  | Performing TDRs |  |  | Nonperforming TDRs |  |  | Total TDRs |
Commercial real estate | $ | 22,233 |  |  | $ | 6,713 |  |  | $ | 28,946 |  |  | $ | 2,054 |  |  | $ | 1,139 |  |  | $ | 3,193 |
Commercial and industrial | 6,909 |  |  | 695 |  |  | 7,604 |  |  | 7,026 |  |  | 6,646 |  |  | 13,672 |
Commercial construction | 1,425 |  |  | — |  |  | 1,425 |  |  | 1,912 |  |  | 406 |  |  | 2,318 |
Residential mortgage | 2,013 |  |  | 822 |  |  | 2,835 |  |  | 2,214 |  |  | 1,543 |  |  | 3,757 |
Home equity | 4,371 |  |  | 678 |  |  | 5,049 |  |  | 3,568 |  |  | 1,349 |  |  | 4,917 |
Installment and other consumer | 9 |  |  | 4 |  |  | 13 |  |  | 12 |  |  | 5 |  |  | 17 |
Total | $ | 36,960 |  |  | $ | 8,912 |  |  | $ | 45,872 |  |  | $ | 16,786 |  |  | $ | 11,088 |  |  | $ | 27,874 |
The following tables present the restructured loans by loan segment and by type of concession for the years ended December 31:
| 2019 |  | 2018
(dollars in thousands) | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment(1) |  |  | Post-Modification Outstanding Recorded Investment(1) |  |  | Total Difference in Recorded Investment |  |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment(1) |  |  | Post-Modification Outstanding Recorded Investment(1) |  |  | Total Difference in Recorded Investment |
Totals by Loan Segment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Maturity date extension | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 256 |  |  | $ | 179 |  |  | $ | (77 | )
Maturity date extension and interest rate reduction | 1 |  |  | 150 |  |  | 145 |  |  | (6 | ) |  | — |  |  | — |  |  | — |  |  | — |
Principal deferral | 3 |  |  | 23,517 |  |  | 23,059 |  |  | (458 | ) |  | 1 |  |  | 90 |  |  | 90 |  |  | — |
Principal deferral and maturity date extension | 1 |  |  | 436 |  |  | 436 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Below market interest rate | 2 |  |  | 569 |  |  | 1,519 |  |  | 950 |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate | 7 |  |  | 24,672 |  |  | 25,159 |  |  | 486 |  |  | 2 |  |  | 346 |  |  | 269 |  |  | (77 | )
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Maturity date extension | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 768 |  |  | 166 |  |  | (602 | )
Maturity date extension and interest rate reduction | 1 |  |  | 4,751 |  |  | 4,136 |  |  | (616 | ) |  | — |  |  | — |  |  | — |  |  | — |
Principal deferral | 1 |  |  | 1,250 |  |  | 1,250 |  |  | — |  |  | 4 |  |  | 4,815 |  |  | 4,383 |  |  | (432 | )
Principal deferral and maturity date extension | 1 |  |  | 292 |  |  | 275 |  |  | (17 | ) |  | 6 |  |  | 5,355 |  |  | 5,341 |  |  | (14 | )
Total Commercial and Industrial | 3 |  |  | 6,294 |  |  | 5,661 |  |  | (633 | ) |  | 12 |  |  | 10,938 |  |  | 9,890 |  |  | (1,048 | )
Residential Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal deferral and maturity date extension | 3 |  |  | 183 |  |  | 183 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer bankruptcy(2) | 3 |  |  | 165 |  |  | 157 |  |  | (9 | ) |  | 5 |  |  | 387 |  |  | 374 |  |  | (13 | )
Total Residential Mortgage | 6 |  |  | 348 |  |  | 340 |  |  | (9 | ) |  | 5 |  |  | 387 |  |  | 374 |  |  | (13 | )
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Maturity date extension and interest rate reduction | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 47 |  |  | 46 |  |  | (1 | )
Principal deferral and maturity date extension | 2 |  |  | 39 |  |  | 39 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Interest rate reduction | 2 |  |  | 190 |  |  | 188 |  |  | (2 | ) |  | 1 |  |  | 120 |  |  | 120 |  |  | — |
Consumer bankruptcy(2) | 29 |  |  | 886 |  |  | 810 |  |  | (77 | ) |  | 22 |  |  | 811 |  |  | 681 |  |  | (130 | )
Total Home Equity | 33 |  |  | 1,116 |  |  | 1,037 |  |  | (79 | ) |  | 25 |  |  | 978 |  |  | 847 |  |  | (131 | )
Installment and Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer bankruptcy(2) | 4 |  |  | 16 |  |  | 11 |  |  | (5 | ) |  | 2 |  |  | 23 |  |  | 4 |  |  | (19 | )
Total Installment and Other Consumer | 4 |  |  | $ | 16 |  |  | $ | 11 |  |  | $ | (5 | ) |  | 2 |  |  | $ | 23 |  |  | $ | 4 |  |  | $ | (19 | )
Totals by Concession Type |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Maturity date extension | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 3 |  |  | $ | 1,024 |  |  | $ | 345 |  |  | $ | (679 | )
Maturity date extension and interest rate reduction | 2 |  |  | 4,902 |  |  | 4,280 |  |  | (622 | ) |  | 2 |  |  | 47 |  |  | 46 |  |  | (1 | )
Principal deferral | 4 |  |  | 24,767 |  |  | 24,309 |  |  | (458 | ) |  | 5 |  |  | 4,905 |  |  | 4,473 |  |  | (432 | )
Principal deferral and maturity date extension | 7 |  |  | 950 |  |  | 933 |  |  | (17 | ) |  | 6 |  |  | 5,355 |  |  | 5,341 |  |  | $ | (14 | )
Interest rate reduction | 2 |  |  | 190 |  |  | 188 |  |  | (2 | ) |  | 1 |  |  | 120 |  |  | 120 |  |  | — |
Below market interest rate | 2 |  |  | 569 |  |  | 1,519 |  |  | 950 |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer bankruptcy(2) | 36 |  |  | 1,068 |  |  | 977 |  |  | (91 | ) |  | 29 |  |  | 1,221 |  |  | 1,059 |  |  | $ | (162 | )
Total | 53 |  |  | $ | 32,446 |  |  | $ | 32,206 |  |  | $ | (240 | ) |  | 46 |  |  | $ | 12,672 |  |  | $ | 11,384 |  |  | $ | (1,288 | )
(1) Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end. (2) Consumer bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.
Schedule of Nonperforming Assets | The following table is a summary of nonperforming assets as of the dates presented:
| December 31,
(dollars in thousands) | 2019 |  | 2018
Nonperforming Assets |  |  |
Nonaccrual loans | $ | 45,145 |  |  | $ | 34,985 |
Nonaccrual TDRs | 8,912 |  |  | 11,088 |
Total nonaccrual loans | 54,057 |  |  | 46,073 |
OREO | 3,525 |  |  | 3,092 |
Total Nonperforming Assets | $ | 57,582 |  |  | $ | 49,165 |
Summary of Aggregate Amount of Loans to Officers and Directors | The following table presents a summary of the aggregate amount of loans to certain officers, directors of S&T or any affiliates of such persons as of December 31:
(dollars in thousands) | 2019 |  | 2018
Balance at beginning of year | $ | 8,682 |  |  | $ | 10,070 |
New loans | 2,442 |  |  | 2,841 |
Repayments or no longer considered a related party | (2,899 | ) |  | (4,229 | )
Balance at end of year | $ | 8,225 |  |  | $ | 8,682 |

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