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v3.20.4

Loans and Loans Held for Sale (Tables) | 12 Months Ended
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Dec. 31, 2020
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) | 2020 |  | 2019
Commercial |  |  |
Commercial real estate | $ | 2,791,947 |  |  | $ | 3,059,592 |
Commercial and industrial | 1,559,552 |  |  | 1,480,529 |
Commercial construction | 466,077 |  |  | 370,060 |
Business banking | 1,160,067 |  |  | 846,790 |
Total Commercial Loans | 5,977,643 |  |  | 5,756,971 |
Consumer |  |  |
Consumer Real Estate | 1,167,332 |  |  | 1,295,207 |
Other Consumer | 80,885 |  |  | 84,974 |
Total Consumer Loans | 1,248,217 |  |  | 1,380,181 |
Total Portfolio Loans | 7,225,860 |  |  | 7,137,152 |
Loans held for sale | 18,528 |  |  | 5,256 |
Total Loans(1) | $ | 7,244,388 |  |  | $ | 7,142,408 |
(1) Excludes interest receivable of $24.7 million at December 31, 2020 and $22.1 million at December 31, 2019. Interest receivable is included in other assets in the Consolidated Balance Sheets.
Restructured Loans for Periods Presented and Type of Concession | The following table summarizes our restructured loans as of the dates presented:
| December 31, 2020
(dollars in thousands) | Performing TDRs |  | Nonperforming TDRs |  | Total TDRs
Commercial real estate | $ | 14 |  |  | $ | 16,654 |  |  | $ | 16,668 |
Commercial and industrial | 7,090 |  |  | 9,885 |  |  | 16,975 |
Commercial construction | 3,267 |  |  | — |  |  | 3,267 |
Business banking | 1,503 |  |  | 430 |  |  | 1,933 |
Consumer real estate | 5,581 |  |  | 2,319 |  |  | 7,900 |
Other consumer | 5 |  |  | — |  |  | 5 |
Total(1) | $ | 17,460 |  |  | $ | 29,289 |  |  | $ | 46,748 |
The following tables present the restructured loans by loan segment and by type of concession for the years ended December 31:
| 2020
(dollars in thousands) | 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 |  |  |  |  |  |  |
Payment deferral | 1 |  |  | 5,292 |  |  | 4,791 |  |  | (501) |
Total Commercial Real Estate | 1 |  |  | 5,292 |  |  | 4,791 |  |  | (501) |
Business Banking |  |  |  |  |  |  |
Maturity date extension | 1 |  |  | 333 |  |  | 165 |  |  | (168) |
Total Business Banking | 1 |  |  | 333 |  |  | 165 |  |  | (168) |
Commercial and Industrial |  |  |  |  |  |  |
Maturity date extension | 1 |  |  | 11,195 |  |  | 9,605 |  |  | (1,590) |
Maturity date extension and interest rate reduction | 1 |  |  | 3,735 |  |  | 3,735 |  |  | — |
Payment delay and below market interest rate | 2 |  |  | 362 |  |  | 354 |  |  | (8) |
Payment deferral | 1 |  |  | 93 |  |  | 22 |  |  | (71) |
Total Commercial and Industrial | 5 |  |  | 15,385 |  |  | 13,716 |  |  | (1,669) |
Commercial Construction |  |  |  |  |  |  |
Maturity date extension | 3 |  |  | 2,592 |  |  | 2,329 |  |  | (263) |
Total Commercial Construction | 3 |  |  | 2,592 |  |  | 2,329 |  |  | (263) |
Consumer Real Estate |  |  |  |  |  |  |
Consumer bankruptcy(2) | 22 |  |  | 988 |  |  | 956 |  |  | (32) |
Maturity date extension and reduction in payment | 6 |  |  | 670 |  |  | 660 |  |  | (10) |
Payment deferral | 1 |  |  | 30 |  |  | 29 |  |  | (1) |
Total Consumer Real Estate | 29 |  |  | 1,688 |  |  | 1,645 |  |  | (43) |
Other Consumer |  |  |  |  |  |  |
Consumer bankruptcy(2) | 1 |  |  | 5 |  |  | 4 |  |  | (1) |
Total Other Consumer | 1 |  |  | $ | 5 |  |  | $ | 4 |  |  | $ | (1) |
Totals by Concession Type |  |  |  |  |  |  |
Payment deferral | 3 |  |  | 5,415 |  |  | 4,842 |  |  | (573) |
Maturity date extension | 5 |  |  | 14,120 |  |  | 12,099 |  |  | (2,021) |
Maturity date extension and interest rate reduction | 1 |  |  | 3,735 |  |  | 3,735 |  |  | — |
Payment delay and below market interest rate | 2 |  |  | 362 |  |  | 354 |  |  | (8) |
Consumer bankruptcy(2) | 23 |  |  | 993 |  |  | 960 |  |  | (33) |
Maturity date extension and reduction in payment | 6 |  |  | 670 |  |  | 660 |  |  | (10) |
Total(3) | 40 |  |  | $ | 25,295 |  |  | $ | 22,650 |  |  | $ | (2,645) |
(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. (3) Refer to Note 1, Basis of Presentation for details of reclassification of our portfolio segments related to the adoption of ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.
| 2019
(dollars in thousands) | 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 and interest rate reduction | 1 |  |  | 150 |  |  | 145 |  |  | (6) |
Principal deferral | 3 |  |  | 23,517 |  |  | 23,059 |  |  | (458) |
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 |
Commercial and Industrial |  |  |  |  |  |  |
Maturity date extension and interest rate reduction | 1 |  |  | 4,751 |  |  | 4,136 |  |  | (616) |
Principal deferral | 1 |  |  | 1,250 |  |  | 1,250 |  |  | — |
Principal deferral and maturity date extension | 1 |  |  | 292 |  |  | 275 |  |  | (17) |
Total Commercial and Industrial | 3 |  |  | 6,294 |  |  | 5,661 |  |  | (633) |
Residential Mortgage |  |  |  |  |  |  |
Principal deferral and maturity date extension | 3 |  |  | 183 |  |  | 183 |  |  | — |
Consumer bankruptcy(2) | 3 |  |  | 165 |  |  | 157 |  |  | (9) |
Total Residential Mortgage | 6 |  |  | 348 |  |  | 340 |  |  | (9) |
Home equity |  |  |  |  |  |  |
Principal deferral and maturity date extension | 2 |  |  | 39 |  |  | 39 |  |  | — |
Interest rate reduction | 2 |  |  | 190 |  |  | 188 |  |  | (2) |
Consumer bankruptcy(2) | 29 |  |  | 886 |  |  | 810 |  |  | (77) |
Total Home Equity | 33 |  |  | 1,116 |  |  | 1,037 |  |  | (79) |
Installment and Other Consumer |  |  |  |  |  |  |
Consumer bankruptcy(2) | 4 |  |  | 16 |  |  | 11 |  |  | (5) |
Total Installment and Other Consumer | 4 |  |  | $ | 16 |  |  | $ | 11 |  |  | $ | (5) |
Totals by Concession Type |  |  |  |  |  |  |
Maturity date extension and interest rate reduction | 2 |  |  | 4,902 |  |  | 4,280 |  |  | (622) |
Principal deferral | 4 |  |  | 24,767 |  |  | 24,309 |  |  | (458) |
Principal deferral and Maturity date extension | 7 |  |  | 950 |  |  | 933 |  |  | (17) |
Interest rate reduction | 2 |  |  | 190 |  |  | 188 |  |  | (2) |
Below market interest rate | 2 |  |  | 569 |  |  | 1,519 |  |  | 950 |
Consumer bankruptcy(2) | 36 |  |  | 1,068 |  |  | 977 |  |  | (91) |
Total(3) | 53 |  |  | $ | 32,446 |  |  | $ | 32,206 |  |  | $ | (240) |
(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. (3) Refer to Note 1, Basis of Presentation for details of reclassification of our portfolio segments related to the adoption of ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.
Schedule of Nonperforming Assets | The following table is a summary of nonperforming assets as of the dates presented:
| December 31,
(dollars in thousands) | 2020 |  | 2019
Nonperforming Assets |  |  |
Nonaccrual loans | $ | 117,485 |  |  | $ | 45,145 |
Nonaccrual TDRs | 29,289 |  |  | 8,912 |
Total nonaccrual loans | 146,774 |  |  | 54,057 |
OREO | 2,155 |  |  | 3,525 |
Total Nonperforming Assets | $ | 148,929 |  |  | $ | 57,582 |
The following table presents loans on nonaccrual status and loans past due 90 days or more and still accruing by class of loan:
|  |  |  |  |  |  |  |  |  |  | December 31, 2020
| December 31, 2020 |  |  |  | For the twelve months ended
(dollars in thousands) | Beginning of Period Nonaccrual |  | End of Period Nonaccrual |  | Nonaccrual With No Related Allowance |  | Past Due 90+ Days Still Accruing |  |  |  | Interest Income Recognized on Nonaccrual(1)
Commercial real estate | $ | 25,356 |  |  | $ | 101,070 |  |  | $60,401 |  |  | $ | — |  |  |  |  | $22 |
Commercial and industrial | 10,911 |  |  | 16,985 |  |  | 6,436 |  |  | — |  |  |  |  | 101 |
Commercial construction | 737 |  |  | 384 |  |  | 285 |  |  | — |  |  |  |  | — |
Business banking | 9,863 |  |  | 17,122 |  |  | 3,890 |  |  | 371 |  |  |  |  | 275 |
Consumer real estate | 6,063 |  |  | 11,117 |  |  | 398 |  |  | 132 |  |  |  |  | 423 |
Other consumer | 1,127 |  |  | 96 |  |  | — |  |  | — |  |  |  |  | 4 |
Total | $ | 54,057 |  |  | $ | 146,774 |  |  | $71,410 |  |  | $ | 503 |  |  |  |  | $826 |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
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:
| 2020 |  | 2019
Balance at beginning of year | $ | 8,225 |  |  | $ | 8,682 |
New loans | 3,343 |  |  | 2,442 |
Repayments or no longer considered a related party | (5,239) |  |  | (2,899) |
Balance at end of year | $ | 6,329 |  |  | $ | 8,225 |

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