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Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Receivables [Abstract] |
Recorded Investment in Commercial Loan Classes by Internally Assigned Risk Ratings | The following table presents loan balances by year of origination and internally assigned risk rating for our portfolio segments as of December 31, 2020:
| Risk Rating
(dollars in thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 and Prior | Revolving | Revolving-Term | Total
Commercial Real Estate |  |  |  |  |  |  |  |  |
Pass | $ | 334,086 |  | $ | 422,800 |  | $ | 394,963 |  | $ | 277,724 |  | $ | 307,321 |  | $ | 615,217 |  | $ | 46,330 |  | — |  | $ | 2,398,441 |
Special Mention | — |  | 35,499 |  | 10,200 |  | 22,502 |  | 55,174 |  | 75,022 |  | — |  | — |  | 198,397 |
Substandard | — |  | 17,259 |  | 12,781 |  | 19,914 |  | 50,700 |  | 83,792 |  | 1,500 |  | — |  | 185,946 |
Doubtful | — |  | 645 |  | — |  | — |  | 1,989 |  | 6,529 |  | — |  | — |  | 9,163 |
Total Commercial Real Estate | 334,086 |  | 476,203 |  | 417,944 |  | 320,140 |  | 415,184 |  | 780,560 |  | 47,830 |  | — |  | 2,791,947 |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Pass | 454,131 |  | 199,453 |  | 140,049 |  | 68,607 |  | 27,645 |  | 206,782 |  | 383,082 |  | — |  | 1,479,749 |
Special Mention | 3,697 |  | 8,211 |  | 2,628 |  | 697 |  | 768 |  | 1,046 |  | 23,527 |  | — |  | 40,574 |
Substandard | — |  | 7,793 |  | 2,613 |  | 8,544 |  | 75 |  | 13,781 |  | 2,022 |  | — |  | 34,828 |
Doubtful | — |  | — |  | — |  | 4,401 |  | — |  | — |  | — |  | — |  | 4,401 |
Total Commercial and Industrial | 457,828 |  | 215,457 |  | 145,290 |  | 82,249 |  | 28,488 |  | 221,609 |  | 408,631 |  | — |  | 1,559,552 |
Commercial Construction |  |  |  |  |  |  |  |  |
Pass | 131,235 |  | 224,794 |  | 59,649 |  | 2,420 |  | 6,346 |  | 4,555 |  | 12,778 |  | — |  | 441,777 |
Special Mention | 1,578 |  | 2,533 |  | 3,886 |  | — |  | — |  | 8,593 |  | — |  | — |  | 16,590 |
Substandard | — |  | 3,580 |  | — |  | 501 |  | — |  | 3,629 |  | — |  | — |  | 7,710 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Commercial Construction | 132,813 |  | 230,907 |  | 63,535 |  | 2,921 |  | 6,346 |  | 16,777 |  | 12,778 |  | — |  | 466,077 |
Business Banking |  |  |  |  |  |  |  |  |
Pass | 296,254 |  | 154,335 |  | 123,207 |  | 86,552 |  | 77,238 |  | 266,042 |  | 103,571 |  | 291 |  | 1,107,490 |
Special Mention | — |  | 1,060 |  | 1,147 |  | 1,602 |  | 1,084 |  | 6,866 |  | 637 |  | 123 |  | 12,519 |
Substandard | 103 |  | 1,078 |  | 3,896 |  | 3,209 |  | 3,880 |  | 25,871 |  | 1,341 |  | 680 |  | 40,058 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Business Banking | 296,357 |  | 156,473 |  | 128,250 |  | 91,363 |  | 82,202 |  | 298,779 |  | 105,549 |  | 1,094 |  | 1,160,067 |
Consumer Real Estate |  |  |  |  |  |  |  |  |
Pass | 120,736 |  | 122,171 |  | 67,700 |  | 63,653 |  | 73,805 |  | 243,939 |  | 438,888 |  | 22,667 |  | 1,153,559 |
Special Mention | — |  | — |  | 1,489 |  | — |  | — |  | 150 |  | 132 |  | — |  | 1,771 |
Substandard | — |  | 373 |  | 742 |  | 1,480 |  | 2,449 |  | 6,958 |  | — |  | — |  | 12,002 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Consumer Real Estate | 120,736 |  | 122,544 |  | 69,931 |  | 65,133 |  | 76,254 |  | 251,047 |  | 439,020 |  | 22,667 |  | 1,167,332 |
Other consumer |  |  |  |  |  |  |  |  |
Pass | 18,849 |  | 13,162 |  | 6,784 |  | 3,395 |  | 2,082 |  | 687 |  | 26,647 |  | 2,767 |  | 74,373 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | 15 |  | — |  | — |  | — |  | — |  | 3,367 |  | 744 |  | 2,386 |  | 6,512 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Other Consumer | 18,864 |  | 13,162 |  | 6,784 |  | 3,395 |  | 2,082 |  | 4,054 |  | 27,391 |  | 5,153 |  | 80,885 |
Total Loan Balance | $ | 1,360,684 |  | $ | 1,214,746 |  | $ | 831,734 |  | $ | 565,201 |  | $ | 610,556 |  | $ | 1,572,826 |  | $ | 1,041,199 |  | $ | 28,914 |  | $ | 7,225,860 |
The following table presents loan balances by year of origination and performing and nonperforming status for our portfolio segments as of December 31, 2020:
(dollars in thousands) | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 and Prior | Revolving | Revolving-Term | Total
Commercial Real Estate |  |  |  |  |  |  |  |  |
Performing | $ | 334,086 |  | $ | 459,799 |  | $ | 417,944 |  | $ | 313,465 |  | $ | 394,972 |  | $ | 722,782 |  | $ | 47,830 |  | $ | — |  | $ | 2,690,879 |
Nonperforming | — |  | 16,404 |  | — |  | 6,675 |  | 20,212 |  | 57,778 |  | — |  | — |  | 101,070 |
Total Commercial Real Estate | 334,086 |  | 476,203 |  | 417,944 |  | 320,140 |  | 415,184 |  | 780,560 |  | 47,830 |  | — |  | 2,791,947 |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Performing | 457,828 |  | 214,144 |  | 143,706 |  | 69,411 |  | 28,426 |  | 220,701 |  | 408,350 |  | — |  | 1,542,566 |
Nonperforming | — |  | 1,313 |  | 1,584 |  | 12,838 |  | 62 |  | 908 |  | 281 |  | — |  | 16,985 |
Total Commercial and Industrial | 457,828 |  | 215,457 |  | 145,290 |  | 82,249 |  | 28,488 |  | 221,609 |  | 408,631 |  | — |  | 1,559,552 |
Commercial Construction |  |  |  |  |  |  |  |  |
Performing | 132,813 |  | 230,907 |  | 63,535 |  | 2,921 |  | 6,346 |  | 16,393 |  | 12,778 |  | — |  | 465,692 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | 384 |  | — |  | — |  | 384 |
Total Commercial Construction | 132,813 |  | 230,907 |  | 63,535 |  | 2,921 |  | 6,346 |  | 16,777 |  | 12,778 |  | — |  | 466,077 |
Business Banking |  |  |  |  |  |  |  |  |
Performing | 296,327 |  | 156,164 |  | 126,432 |  | 90,414 |  | 80,106 |  | 286,970 |  | 105,494 |  | 1,037 |  | 1,142,944 |
Nonperforming | 30 |  | 309 |  | 1,818 |  | 949 |  | 2,096 |  | 11,809 |  | 55 |  | 57 |  | 17,123 |
Total Business Banking | 296,357 |  | 156,473 |  | 128,250 |  | 91,363 |  | 82,202 |  | 298,779 |  | 105,549 |  | 1,094 |  | 1,160,067 |
Consumer Real Estate |  |  |  |  |  |  |  |  |
Performing | 120,736 |  | 122,315 |  | 69,225 |  | 63,647 |  | 74,690 |  | 245,331 |  | 438,702 |  | 21,572 |  | 1,156,216 |
Nonperforming | — |  | 229 |  | 706 |  | 1,486 |  | 1,564 |  | 5,716 |  | 318 |  | 1,096 |  | 11,116 |
Total Consumer Real Estate | 120,736 |  | 122,544 |  | 69,931 |  | 65,133 |  | 76,254 |  | 251,047 |  | 439,020 |  | 22,667 |  | 1,167,332 |
Other Consumer |  |  |  |  |  |  |  |  |
Performing | 18,864 |  | 13,162 |  | 6,784 |  | 3,395 |  | 2,082 |  | 3,958 |  | 27,391 |  | 5,153 |  | 80,789 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | 96 |  | — |  | — |  | 96 |
Total Other Consumer | 18,864 |  | 13,162 |  | 6,784 |  | 3,395 |  | 2,082 |  | 4,054 |  | 27,391 |  | 5,153 |  | 80,885 |
Performing | 1,360,654 |  | 1,196,491 |  | 827,625 |  | 543,253 |  | 586,622 |  | 1,496,135 |  | 1,040,544 |  | 27,762 |  | 7,079,086 |
Nonperforming | 30 |  | 18,254 |  | 4,108 |  | 21,948 |  | 23,934 |  | 76,691 |  | 654 |  | 1,153 |  | 146,774 |
Total Loan Balance | $ | 1,360,684 |  | $ | 1,214,746 |  | $ | 831,734 |  | $ | 565,201 |  | $ | 610,556 |  | $ | 1,572,826 |  | $ | 1,041,199 |  | $ | 28,914 |  | $ | 7,225,860 |
The following table presents collateral-dependent loans by class of loan:
| December 31, 2020
| Type of Collateral
(dollars in thousands) | Real Estate |  | Blanket Lien |  | Investment/Cash |  | Other
Commercial real estate | $100,450 |  |  | $— |  |  | $— |  |  | $— |
Commercial and industrial | 1,040 |  |  | 15,080 |  |  | — |  |  | — |
Commercial construction | 3,552 |  |  | — |  |  | — |  |  | — |
Business banking | 3,085 |  |  | 1,619 |  |  | — |  |  | 689 |
Consumer real estate | 398 |  |  | — |  |  | — |  |  | — |
Total | $108,525 |  |  | $16,699 |  |  | $— |  |  | $689 |
The following table presents the recorded investment in commercial loan classes by internally assigned risk ratings as of the date 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 | % |  | $ | 5,254,056 |  |  | 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 |  |  | 0.1 | % |  | 55 |  |  | — | % |  | 133 |  |  | — | % |  | 2,211 |  |  | — | %
Total | $ | 3,416,518 |  |  | 100.0 | % |  | $ | 1,720,833 |  |  | 100.0 | % |  | $ | 375,445 |  |  | 100.0 | % |  | $ | 5,512,796 |  |  | 100.0 | %
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, 2020(2)
(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 | $ | 2,690,877 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 101,070 |  |  | $ | 101,070 |  |  | $ | 2,791,947 |
Commercial and industrial | 1,542,567 |  |  | — |  |  | — |  |  | — |  |  | 16,985 |  |  | 16,985 |  |  | 1,559,552 |
Commercial construction | 462,094 |  |  | 19 |  |  | 3,580 |  |  | — |  |  | 384 |  |  | 3,983 |  |  | 466,077 |
Business banking | 1,140,581 |  |  | 1,614 |  |  | 379 |  |  | 371 |  |  | 17,122 |  |  | 19,486 |  |  | 1,160,067 |
Consumer real estate | 1,153,028 |  |  | 1,087 |  |  | 1,968 |  |  | 132 |  |  | 11,117 |  |  | 14,304 |  |  | 1,167,332 |
Other consumer | 80,583 |  |  | 168 |  |  | 37 |  |  | — |  |  | 96 |  |  | 302 |  |  | 80,885 |
Total | $ | 7,069,730 |  |  | $ | 2,888 |  |  | $ | 5,965 |  |  | $ | 503 |  |  | $ | 146,774 |  |  | $ | 156,130 |  |  | $ | 7,225,860 |
(1) Represents acquired loans that were recorded at fair value at the acquisition date and remain performing at December 31, 2020. (2) We had 52 loans that were modified totaling $195.6 million under the CARES Act at December 31, 2020. These customers were not considered past due as a result of their delayed payments. Upon exiting the loan modification deferral program, the measurement of loan delinquency will resume where it left off upon entry into the program. Due to the modification program, this delinquency table may not accurately reflect the credit risk associated with these loans.
| December 31, 2019
(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 | $ | 3,025,505 |  |  | $ | 7,749 |  |  | $ | 71 |  |  | $ | 911 |  |  | $ | 25,356 |  |  | $ | 34,087 |  |  | $ | 3,059,592 |
Commercial and industrial | 1,466,460 |  |  | 126 |  |  | 1,589 |  |  | 1,443 |  |  | 10,911 |  |  | 14,069 |  |  | 1,480,529 |
Commercial construction | 367,204 |  |  | 956 |  |  | 1,163 |  |  | — |  |  | 737 |  |  | 2,856 |  |  | 370,060 |
Business banking | 830,735 |  |  | 5,093 |  |  | 1,099 |  |  | — |  |  | 9,863 |  |  | 16,055 |  |  | 846,790 |
Consumer real estate | 1,283,591 |  |  | 2,620 |  |  | 1,758 |  |  | 1,175 |  |  | 6,063 |  |  | 11,616 |  |  | 1,295,207 |
Other consumer | 81,866 |  |  | 1,448 |  |  | 305 |  |  | 228 |  |  | 1,127 |  |  | 3,108 |  |  | 84,974 |
Total | $ | 7,055,361 |  |  | $ | 17,992 |  |  | $ | 5,985 |  |  | $ | 3,757 |  |  | $ | 54,057 |  |  | $ | 81,791 |  |  | $ | 7,137,152 |
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.
Schedule of Allowance for Credit Loss | The following table presents activity in the ACL for year ended December 31, 2020:
| Twelve Months Ended December 31, 2020
(dollars in thousands) | Commercial Real Estate |  | Commercial and Industrial (2) |  | Commercial Construction |  | Business Banking(1) |  | Consumer Real Estate |  | Other Consumer |  | Total Loans
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 30,577 |  |  | $ | 15,681 |  |  | $ | 7,900 |  |  | $ | — |  |  | $ | 6,337 |  |  | $ | 1,729 |  |  | $ | 62,224 |
Impact of CECL adoption | 4,810 |  |  | 7,853 |  |  | (3,376) |  |  | 12,898 |  |  | 4,525 |  |  | 636 |  |  | 27,346 |
Provision for credit losses on loans | 56,489 |  |  | 65,288 |  |  | 2,986 |  |  | 5,303 |  |  | (368) |  |  | 1,723 |  |  | 131,421 |
Charge-offs | (26,460) |  |  | (74,282) |  |  | (454) |  |  | (2,612) |  |  | (667) |  |  | (1,890) |  |  | (106,365) |
Recoveries | 240 |  |  | 1,560 |  |  | 183 |  |  | 328 |  |  | 187 |  |  | 488 |  |  | 2,986 |
Net (Charge-offs)/Recoveries | (26,220) |  |  | (72,722) |  |  | (271) |  |  | (2,284) |  |  | (480) |  |  | (1,402) |  |  | (103,379) |
Balance at End of Period | $ | 65,656 |  |  | $ | 16,100 |  |  | $ | 7,239 |  |  | $ | 15,917 |  |  | $ | 10,014 |  |  | $ | 2,686 |  |  | $ | 117,612 |
(1) In connection with our adoption of ASU 2016-13, we made changes to our loan portfolio segments to align with the methodology applied in determining the allowance under CECL. Our new segmentation breaks out business banking loans from our other loan segments: CRE, C&I, commercial construction, consumer real estate and other consumer. The business banking allowance balance at the beginning of period is included in the other segments and reclassified to business banking through the impact of CECL adoption line. (2) During the three months ended June 30, 2020, we experienced a pre-tax loss of $58.7 million related to a customer fraud resulting from a check kiting scheme.
Recorded Investment in Consumer Loan Classes by Performing and Nonperforming Status | The following table presents the recorded investment in consumer loan classes by performing and nonperforming status as of the date 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 | %
Investments in Loans Considered to be Impaired and Related Information on Impaired Loans | The following table presents investments in loans considered to be impaired and related information on those impaired loans as of December 31, 2019:
| December 31, 2019
(dollars in thousands) | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
With a related allowance recorded: |  |  |  |  |
Commercial real estate | $ | 13,011 |  |  | $ | 14,322 |  |  | $ | 2,023 |
Commercial and industrial | 10,001 |  |  | 10,001 |  |  | 55 |
Commercial construction | 489 |  |  | 489 |  |  | 113 |
Consumer real estate | — |  |  | — |  |  | — |
Other consumer | 9 |  |  | 9 |  |  | 9 |
Total with a Related Allowance Recorded | 23,510 |  |  | 24,821 |  |  | 2,200 |
Without a related allowance recorded: |  |  |  |  |
Commercial real estate | 34,909 |  |  | 40,201 |  |  | — |
Commercial and industrial | 7,605 |  |  | 10,358 |  |  | — |
Commercial construction | 1,425 |  |  | 2,935 |  |  | — |
Consumer real estate | 7,884 |  |  | 8,445 |  |  | — |
Other consumer | 4 |  |  | 11 |  |  | — |
Total without a Related Allowance Recorded | 51,827 |  |  | 61,950 |  |  | — |
Total: |  |  |  |  |
Commercial real estate | 47,920 |  |  | 54,523 |  |  | 2,023 |
Commercial and industrial | 17,606 |  |  | 20,359 |  |  | 55 |
Commercial construction | 1,914 |  |  | 3,424 |  |  | 113 |
Consumer real estate | 7,884 |  |  | 8,445 |  |  | — |
Other consumer | 13 |  |  | 20 |  |  | 9 |
Total | $ | 75,337 |  |  | $ | 86,771 |  |  | $ | 2,200 |
The following table summarizes average recorded investment and interest income recognized on loans considered to be impaired for the year presented:
| For the Year Ended
| December 31, 2019
(dollars in thousands) | Average Recorded Investment |  | Interest Income Recognized
With a related allowance recorded: |  |  |
Commercial real estate | $ | 14,018 |  |  | $ | — |
Commercial and industrial | 10,135 |  |  | 576 |
Commercial construction | 489 |  |  | — |
Consumer real estate | — |  |  | — |
Other consumer | 13 |  |  | 1 |
Total with a Related Allowance Recorded | 24,655 |  |  | 577 |
Without a related allowance recorded: |  |  |
Commercial real estate | 35,739 |  |  | 943 |
Commercial and industrial | 5,565 |  |  | 368 |
Commercial construction | 1,831 |  |  | 131 |
Consumer real estate | 8,190 |  |  | 397 |
Other consumer | 7 |  |  | — |
Total without a Related Allowance Recorded | 51,332 |  |  | 1,839 |
Total: |  |  |
Commercial real estate | 49,757 |  |  | 943 |
Commercial and industrial | 15,700 |  |  | 944 |
Commercial construction | 2,320 |  |  | 131 |
Consumer real estate | 8,190 |  |  | 397 |
Other consumer | 20 |  |  | 1 |
Total | $ | 75,987 |  |  | $ | 2,416 |
Summary of Allowance for Loan Losses | The following table details activity in the ALL for the period 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 |
Summary of Allowance for Loan Losses and Recorded Investments | The following table presents 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 |

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