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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2017
Receivables [Abstract] |
Schedule of loans, net of unamortized net deferred fees | Loans, net of unamortized net deferred fees, at September 30, 2017, December 31, 2016, and September 30, 2016 are summarized by type as follows:
|  | September 30, 2017 |  |  | December 31, 2016 |  |  | September 30, 2016 |
(dollars in thousands) |  | Amount |  |  | % |  |  | Amount |  |  | % |  |  | Amount |  |  | % |
Commercial |  | $ | 1,244,184 |  |  |  | 20 | % |  | $ | 1,200,728 |  |  |  | 21 | % |  | $ | 1,130,042 |  |  |  | 21 | %
Income producing - commercial real estate |  |  | 2,898,948 |  |  |  | 48 | % |  |  | 2,509,517 |  |  |  | 44 | % |  |  | 2,551,186 |  |  |  | 46 | %
Owner occupied - commercial real estate |  |  | 749,580 |  |  |  | 12 | % |  |  | 640,870 |  |  |  | 12 | % |  |  | 590,427 |  |  |  | 11 | %
Real estate mortgage - residential |  |  | 109,460 |  |  |  | 2 | % |  |  | 152,748 |  |  |  | 3 | % |  |  | 154,439 |  |  |  | 3 | %
Construction - commercial and residential* |  |  | 915,493 |  |  |  | 15 | % |  |  | 932,531 |  |  |  | 16 | % |  |  | 838,137 |  |  |  | 15 | %
Construction - C&I (owner occupied) |  |  | 55,828 |  |  |  | 1 | % |  |  | 126,038 |  |  |  | 2 | % |  |  | 104,676 |  |  |  | 2 | %
Home equity |  |  | 101,898 |  |  |  | 2 | % |  |  | 105,096 |  |  |  | 2 | % |  |  | 106,856 |  |  |  | 2 | %
Other consumer |  |  | 8,813 |  |  |  | — |  |  |  | 10,365 |  |  |  | — |  |  |  | 6,212 |  |  |  | — |
Total loans |  |  | 6,084,204 |  |  |  | 100 | % |  |  | 5,677,893 |  |  |  | 100 | % |  |  | 5,481,975 |  |  |  | 100 | %
Less: allowance for credit losses |  |  | (62,967 | ) |  |  |  |  |  |  | (59,074 | ) |  |  |  |  |  |  | (56,864 | ) |  |  |  |
Net loans |  | $ | 6,021,237 |  |  |  |  |  |  | $ | 5,618,819 |  |  |  |  |  |  | $ | 5,425,111 |  |  |  |  |
*Includes land loans.
Schedule of allowance for credit losses on financing receivables | The following tables detail activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2017 and 2016. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Real Estate |  |  | Construction - |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Commercial |  |  | Commercial |  |  | Mortgage |  |  | Commercial and |  |  | Home |  |  | Other |  |  |  |
(dollars in thousands) |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Residential |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Total |
Three months ended September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 14,225 |  |  | $ | 23,308 |  |  | $ | 4,189 |  |  | $ | 1,081 |  |  | $ | 16,727 |  |  | $ | 1,216 |  |  | $ | 301 |  |  | $ | 61,047 |
Loans charged-off |  |  | (522 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (39 | ) |  |  | — |  |  |  | (32 | ) |  |  | (593 | )
Recoveries of loans previously charged-off |  |  | 407 |  |  |  | 30 |  |  |  | — |  |  |  | 2 |  |  |  | 146 |  |  |  | 1 |  |  |  | 6 |  |  |  | 592 |
Net loans (charged-off) recoveries |  |  | (115 | ) |  |  | 30 |  |  |  | — |  |  |  | 2 |  |  |  | 107 |  |  |  | 1 |  |  |  | (26 | ) |  |  | (1 | )
Provision for credit losses |  |  | (2,266 | ) |  |  | (963 | ) |  |  | 1,273 |  |  |  | (126 | ) |  |  | 4,052 |  |  |  | (120 | ) |  |  | 71 |  |  |  | 1,921 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
Nine months ended September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 14,700 |  |  | $ | 21,105 |  |  | $ | 4,010 |  |  | $ | 1,284 |  |  | $ | 16,487 |  |  | $ | 1,328 |  |  | $ | 160 |  |  | $ | 59,074 |
Loans charged-off |  |  | (659 | ) |  |  | (1,470 | ) |  |  | — |  |  |  | — |  |  |  | (39 | ) |  |  | — |  |  |  | (98 | ) |  |  | (2,266 | )
Recoveries of loans previously charged-off |  |  | 675 |  |  |  | 80 |  |  |  | 2 |  |  |  | 5 |  |  |  | 491 |  |  |  | 4 |  |  |  | 18 |  |  |  | 1,275 |
Net loans charged-off |  |  | 16 |  |  |  | (1,390 | ) |  |  | 2 |  |  |  | 5 |  |  |  | 452 |  |  |  | 4 |  |  |  | (80 | ) |  |  | (991 | )
Provision for credit losses |  |  | (2,872 | ) |  |  | 2,660 |  |  |  | 1,450 |  |  |  | (332 | ) |  |  | 3,947 |  |  |  | (235 | ) |  |  | 266 |  |  |  | 4,884 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
As of September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,246 |  |  | $ | 1,378 |  |  | $ | 1,005 |  |  | $ | — |  |  | $ | 2,900 |  |  | $ | 90 |  |  | $ | 81 |  |  | $ | 8,700 |
Collectively evaluated for impairment |  |  | 8,598 |  |  |  | 20,997 |  |  |  | 4,457 |  |  |  | 957 |  |  |  | 17,986 |  |  |  | 1,007 |  |  |  | 265 |  |  |  | 54,267 |
Ending balance |  | $ | 11,844 |  |  | $ | 22,375 |  |  | $ | 5,462 |  |  | $ | 957 |  |  | $ | 20,886 |  |  | $ | 1,097 |  |  | $ | 346 |  |  | $ | 62,967 |
Three months ended September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 13,386 |  |  | $ | 19,072 |  |  | $ | 4,202 |  |  | $ | 1,061 |  |  | $ | 17,024 |  |  | $ | 1,556 |  |  | $ | 235 |  |  | $ | 56,536 |
Loans charged-off |  |  | (109 | ) |  |  | (1,751 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (121 | ) |  |  | (12 | ) |  |  | (1,993 | )
Recoveries of loans previously charged-off |  |  | 7 |  |  |  | 10 |  |  |  | — |  |  |  | 2 |  |  |  | 3 |  |  |  | 3 |  |  |  | 8 |  |  |  | 33 |
Net loans (charged-off) recoveries |  |  | (102 | ) |  |  | (1,741 | ) |  |  | — |  |  |  | 2 |  |  |  | 3 |  |  |  | (118 | ) |  |  | (4 | ) |  |  | (1,960 | )
Provision for credit losses |  |  | (523 | ) |  |  | 3,178 |  |  |  | 59 |  |  |  | 47 |  |  |  | (513 | ) |  |  | (69 | ) |  |  | 109 |  |  |  | 2,288 |
Ending balance |  | $ | 12,761 |  |  | $ | 20,509 |  |  | $ | 4,261 |  |  | $ | 1,110 |  |  | $ | 16,514 |  |  | $ | 1,369 |  |  | $ | 340 |  |  | $ | 56,864 |
Nine months ended September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 11,563 |  |  | $ | 14,122 |  |  | $ | 3,279 |  |  | $ | 1,268 |  |  | $ | 21,088 |  |  | $ | 1,292 |  |  | $ | 75 |  |  | $ | 52,687 |
Loans charged-off |  |  | (2,802 | ) |  |  | (2,342 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (217 | ) |  |  | (37 | ) |  |  | (5,398 | )
Recoveries of loans previously charged-off |  |  | 93 |  |  |  | 14 |  |  |  | 2 |  |  |  | 5 |  |  |  | 207 |  |  |  | 11 |  |  |  | 24 |  |  |  | 356 |
Net loans charged-off |  |  | (2,709 | ) |  |  | (2,328 | ) |  |  | 2 |  |  |  | 5 |  |  |  | 207 |  |  |  | (206 | ) |  |  | (13 | ) |  |  | (5,042 | )
Provision for credit losses |  |  | 3,907 |  |  |  | 8,715 |  |  |  | 980 |  |  |  | (163 | ) |  |  | (4,781 | ) |  |  | 283 |  |  |  | 278 |  |  |  | 9,219 |
Ending balance |  | $ | 12,761 |  |  | $ | 20,509 |  |  | $ | 4,261 |  |  | $ | 1,110 |  |  | $ | 16,514 |  |  | $ | 1,369 |  |  | $ | 340 |  |  | $ | 56,864 |
As of September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,997 |  |  | $ | 1,714 |  |  | $ | 360 |  |  | $ | — |  |  | $ | 300 |  |  | $ | — |  |  | $ | 100 |  |  | $ | 4,471 |
Collectively evaluated for impairment |  |  | 10,764 |  |  |  | 18,795 |  |  |  | 3,901 |  |  |  | 1,110 |  |  |  | 16,214 |  |  |  | 1,369 |  |  |  | 240 |  |  |  | 52,393 |
Ending balance |  | $ | 12,761 |  |  | $ | 20,509 |  |  | $ | 4,261 |  |  | $ | 1,110 |  |  | $ | 16,514 |  |  | $ | 1,369 |  |  | $ | 340 |  |  | $ | 56,864
Schedule of recorded investment in loans | The Company’s recorded investments in loans as of September 30, 2017, December 31, 2016 and September 30, 2016 related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Company’s impairment methodology was as follows:
|  |  |  |  | Income Producing - |  |  | Owner occupied - |  |  | Real Estate |  |  | Construction - |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Commercial |  |  | Commercial |  |  | Mortgage |  |  | Commercial and |  |  | Home |  |  | Other |  |  |  |
(dollars in thousands) |  | Commercial |  |  | Real Estate |  |  | Real Estate |  |  | Residential |  |  | Residential |  |  | Equity |  |  | Consumer |  |  | Total |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,309 |  |  | $ | 10,241 |  |  | $ | 6,570 |  |  | $ | — |  |  | $ | 7,728 |  |  | $ | 594 |  |  | $ | 92 |  |  | $ | 33,534 |
Collectively evaluated for impairment |  |  | 1,235,875 |  |  |  | 2,888,707 |  |  |  | 743,010 |  |  |  | 109,460 |  |  |  | 963,593 |  |  |  | 101,304 |  |  |  | 8,721 |  |  |  | 6,050,670 |
Ending balance |  | $ | 1,244,184 |  |  | $ | 2,898,948 |  |  | $ | 749,580 |  |  | $ | 109,460 |  |  | $ | 971,321 |  |  | $ | 101,898 |  |  | $ | 8,813 |  |  | $ | 6,084,204 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 10,437 |  |  | $ | 15,057 |  |  | $ | 2,093 |  |  | $ | 241 |  |  | $ | 6,517 |  |  | $ | — |  |  | $ | 126 |  |  | $ | 34,471 |
Collectively evaluated for impairment |  |  | 1,190,291 |  |  |  | 2,494,460 |  |  |  | 638,777 |  |  |  | 152,507 |  |  |  | 1,052,052 |  |  |  | 105,096 |  |  |  | 10,239 |  |  |  | 5,643,422 |
Ending balance |  | $ | 1,200,728 |  |  | $ | 2,509,517 |  |  | $ | 640,870 |  |  | $ | 152,748 |  |  | $ | 1,058,569 |  |  | $ | 105,096 |  |  | $ | 10,365 |  |  | $ | 5,677,893 |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Recorded investment in loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 12,448 |  |  | $ | 14,648 |  |  | $ | 2,517 |  |  | $ | 244 |  |  | $ | 4,878 |  |  | $ | 113 |  |  | $ | — |  |  | $ | 34,848 |
Collectively evaluated for impairment |  |  | 1,117,594 |  |  |  | 2,536,538 |  |  |  | 587,910 |  |  |  | 154,195 |  |  |  | 937,935 |  |  |  | 106,743 |  |  |  | 6,212 |  |  |  | 5,447,127 |
Ending balance |  | $ | 1,130,042 |  |  | $ | 2,551,186 |  |  | $ | 590,427 |  |  | $ | 154,439 |  |  | $ | 942,813 |  |  | $ | 106,856 |  |  | $ | 6,212 |  |  | $ | 5,481,975
Schedule of loans by class and credit quality indicators | The Company’s credit quality indicators are updated generally on a quarterly basis, but no less frequently than annually. The following table presents by class and by credit quality indicator, the recorded investment in the Company’s loans and leases as of September 30, 2017, December 31, 2016 and September 30, 2016.
|  |  |  |  | Watch and |  |  |  |  |  |  |  |  | Total |
(dollars in thousands) |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Loans |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,204,850 |  |  | $ | 31,025 |  |  | $ | 8,309 |  |  | $ | — |  |  | $ | 1,244,184 |
Income producing - commercial real estate |  |  | 2,861,346 |  |  |  | 27,361 |  |  |  | 10,241 |  |  |  | — |  |  |  | 2,898,948 |
Owner occupied - commercial real estate |  |  | 720,693 |  |  |  | 22,317 |  |  |  | 6,570 |  |  |  | — |  |  |  | 749,580 |
Real estate mortgage – residential |  |  | 108,797 |  |  |  | 663 |  |  |  | — |  |  |  | — |  |  |  | 109,460 |
Construction - commercial and residential |  |  | 963,593 |  |  |  | — |  |  |  | 7,728 |  |  |  | — |  |  |  | 971,321 |
Home equity |  |  | 100,618 |  |  |  | 686 |  |  |  | 594 |  |  |  | — |  |  |  | 101,898 |
Other consumer |  |  | 8,719 |  |  |  | 2 |  |  |  | 92 |  |  |  | — |  |  |  | 8,813 |
Total |  | $ | 5,968,616 |  |  | $ | 82,054 |  |  | $ | 33,534 |  |  | $ | — |  |  | $ | 6,084,204 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,160,185 |  |  | $ | 30,106 |  |  | $ | 10,437 |  |  | $ | — |  |  | $ | 1,200,728 |
Income producing - commercial real estate |  |  | 2,489,407 |  |  |  | 5,053 |  |  |  | 15,057 |  |  |  | — |  |  |  | 2,509,517 |
Owner occupied - commercial real estate |  |  | 630,827 |  |  |  | 7,950 |  |  |  | 2,093 |  |  |  | — |  |  |  | 640,870 |
Real estate mortgage – residential |  |  | 151,831 |  |  |  | 676 |  |  |  | 241 |  |  |  | — |  |  |  | 152,748 |
Construction - commercial and residential |  |  | 1,051,445 |  |  |  | 607 |  |  |  | 6,517 |  |  |  | — |  |  |  | 1,058,569 |
Home equity |  |  | 103,484 |  |  |  | 1,612 |  |  |  | — |  |  |  | — |  |  |  | 105,096 |
Other consumer |  |  | 10,237 |  |  |  | 2 |  |  |  | 126 |  |  |  | — |  |  |  | 10,365 |
Total |  | $ | 5,597,416 |  |  | $ | 46,006 |  |  | $ | 34,471 |  |  | $ | — |  |  | $ | 5,677,893 |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,099,894 |  |  | $ | 18,599 |  |  | $ | 11,549 |  |  | $ | — |  |  | $ | 1,130,042 |
Income producing - commercial real estate |  |  | 2,527,318 |  |  |  | 9,220 |  |  |  | 14,648 |  |  |  | — |  |  |  | 2,551,186 |
Owner occupied - commercial real estate |  |  | 577,925 |  |  |  | 10,399 |  |  |  | 2,103 |  |  |  | — |  |  |  | 590,427 |
Real estate mortgage – residential |  |  | 153,515 |  |  |  | 680 |  |  |  | 244 |  |  |  | — |  |  |  | 154,439 |
Construction - commercial and residential |  |  | 937,198 |  |  |  | 737 |  |  |  | 4,878 |  |  |  | — |  |  |  | 942,813 |
Home equity |  |  | 105,126 |  |  |  | 1,617 |  |  |  | 113 |  |  |  | — |  |  |  | 106,856 |
Other consumer |  |  | 6,209 |  |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | 6,212 |
Total |  | $ | 5,407,185 |  |  | $ | 41,255 |  |  | $ | 33,535 |  |  | $ | — |  |  | $ | 5,481,975
Schedule of loans, non accrual status | The following table presents, by class of loan, information related to nonaccrual loans as of September 30, 2017, December 31, 2016 and September 30, 2016.
(dollars in thousands) |  | September 30, 2017 |  |  | December 31, 2016 |  |  | September 30, 2016 |
Commercial |  | $ | 3,242 |  |  | $ | 2,490 |  |  | $ | 2,986 |
Income producing - commercial real estate |  |  | 880 |  |  |  | 10,539 |  |  |  | 10,098 |
Owner occupied - commercial real estate |  |  | 6,570 |  |  |  | 2,093 |  |  |  | 2,103 |
Real estate mortgage - residential |  |  | 301 |  |  |  | 555 |  |  |  | 562 |
Construction - commercial and residential |  |  | 4,930 |  |  |  | 2,072 |  |  |  | 6,412 |
Home equity |  |  | 594 |  |  |  | — |  |  |  | 113 |
Other consumer |  |  | 92 |  |  |  | 126 |  |  |  | — |
Total nonaccrual loans (1)(2) |  | $ | 16,609 |  |  | $ | 17,875 |  |  | $ | 22,274 |
| (1) | Excludes troubled debt restructurings (“TDRs”) that were performing under their restructured terms totaling $12.3 million at September 30, 2017, as compared to $7.9 million at December 31, 2016 and $2.9 million at September 30, 2016.
| (2) | Gross interest income of $176 thousand and $802 thousand would have been recorded for the three and nine months ended September 30, 2017, if nonaccrual loans shown above had been current and in accordance with their original terms while interest actually recorded on such loans was $31 thousand and $56 thousand for the three and nine months ended September 30, 2017. See Note 1 to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
Schedule of past due loans | The following table presents, by class of loan, an aging analysis and the recorded investments in loans past due as of September 30, 2017 and December 31, 2016.
|  | Loans |  |  | Loans |  |  | Loans |  |  |  |  |  |  |  |  | Total Recorded |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or |  |  | Total Past |  |  | Current |  |  | Investment in |
(dollars in thousands) |  | Past Due |  |  | Past Due |  |  | More Past Due |  |  | Due Loans |  |  | Loans |  |  | Loans |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 401 |  |  | $ | 662 |  |  | $ | 3,242 |  |  | $ | 4,305 |  |  | $ | 1,239,879 |  |  | $ | 1,244,184 |
Income producing - commercial real estate |  |  | 3,160 |  |  |  | 770 |  |  |  | 880 |  |  |  | 4,810 |  |  |  | 2,894,138 |  |  |  | 2,898,948 |
Owner occupied - commercial real estate |  |  | 817 |  |  |  | 3,268 |  |  |  | 6,570 |  |  |  | 10,655 |  |  |  | 738,925 |  |  |  | 749,580 |
Real estate mortgage – residential |  |  | 1,480 |  |  |  | 2,123 |  |  |  | 301 |  |  |  | 3,904 |  |  |  | 105,556 |  |  |  | 109,460 |
Construction - commercial and residential |  |  | 197 |  |  |  | — |  |  |  | 4,930 |  |  |  | 5,127 |  |  |  | 966,194 |  |  |  | 971,321 |
Home equity |  |  | 637 |  |  |  | 100 |  |  |  | 594 |  |  |  | 1,331 |  |  |  | 100,567 |  |  |  | 101,898 |
Other consumer |  |  | 21 |  |  |  | 4 |  |  |  | 92 |  |  |  | 117 |  |  |  | 8,696 |  |  |  | 8,813 |
Total |  | $ | 6,713 |  |  | $ | 6,927 |  |  | $ | 16,609 |  |  | $ | 30,249 |  |  | $ | 6,053,955 |  |  | $ | 6,084,204 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,634 |  |  | $ | 757 |  |  | $ | 2,490 |  |  | $ | 4,881 |  |  | $ | 1,195,847 |  |  | $ | 1,200,728 |
Income producing - commercial real estate |  |  | 511 |  |  |  | — |  |  |  | 10,539 |  |  |  | 11,050 |  |  |  | 2,498,467 |  |  |  | 2,509,517 |
Owner occupied - commercial real estate |  |  | 3,987 |  |  |  | 3,328 |  |  |  | 2,093 |  |  |  | 9,408 |  |  |  | 631,462 |  |  |  | 640,870 |
Real estate mortgage – residential |  |  | 1,015 |  |  |  | 163 |  |  |  | 555 |  |  |  | 1,733 |  |  |  | 151,015 |  |  |  | 152,748 |
Construction - commercial and residential |  |  | 360 |  |  |  | 1,342 |  |  |  | 2,072 |  |  |  | 3,774 |  |  |  | 1,054,795 |  |  |  | 1,058,569 |
Home equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 105,096 |  |  |  | 105,096 |
Other consumer |  |  | 101 |  |  |  | 9 |  |  |  | 126 |  |  |  | 236 |  |  |  | 10,129 |  |  |  | 10,365 |
Total |  | $ | 7,608 |  |  | $ | 5,599 |  |  | $ | 17,875 |  |  | $ | 31,082 |  |  | $ | 5,646,811 |  |  | $ | 5,677,893 |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,173 |  |  | $ | 495 |  |  | $ | 2,986 |  |  | $ | 4,654 |  |  | $ | 1,125,388 |  |  | $ | 1,130,042 |
Income producing - commercial real estate |  |  | — |  |  |  | — |  |  |  | 10,098 |  |  |  | 10,098 |  |  |  | 2,541,088 |  |  |  | 2,551,186 |
Owner occupied - commercial real estate |  |  | — |  |  |  | 3,338 |  |  |  | 2,103 |  |  |  | 5,441 |  |  |  | 584,986 |  |  |  | 590,427 |
Real estate mortgage – residential |  |  | — |  |  |  | 164 |  |  |  | 562 |  |  |  | 726 |  |  |  | 153,713 |  |  |  | 154,439 |
Construction - commercial and residential |  |  | — |  |  |  | — |  |  |  | 6,412 |  |  |  | 6,412 |  |  |  | 936,401 |  |  |  | 942,813 |
Home equity |  |  | 562 |  |  |  | 620 |  |  |  | 113 |  |  |  | 1,295 |  |  |  | 105,561 |  |  |  | 106,856 |
Other consumer |  |  | 8 |  |  |  | 16 |  |  |  | — |  |  |  | 24 |  |  |  | 6,188 |  |  |  | 6,212 |
Total |  | $ | 1,743 |  |  | $ | 4,633 |  |  | $ | 22,274 |  |  | $ | 28,650 |  |  | $ | 5,453,325 |  |  | $ | 5,481,975
Schedule of impaired loans | The following table presents, by class of loan, information related to impaired loans for the periods ended September 30, 2017, December 31, 2016 and September 30, 2016.
|  | Unpaid |  |  | Recorded |  |  | Recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Contractual |  |  | Investment |  |  | Investment |  |  | Total |  |  |  |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | Principal |  |  | With No |  |  | With |  |  | Recorded |  |  | Related |  |  | Quarter |  |  | Year |  |  | Quarter |  |  | Year |
(dollars in thousands) |  | Balance |  |  | Allowance |  |  | Allowance |  |  | Investment |  |  | Allowance |  |  | To Date |  |  | To Date |  |  | To Date |  |  | To Date |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 6,047 |  |  | $ | 2,363 |  |  | $ | 3,640 |  |  | $ | 6,003 |  |  | $ | 3,246 |  |  | $ | 5,977 |  |  | $ | 5,790 |  |  | $ | 31 |  |  | $ | 97 |
Income producing - commercial real estate |  |  | 10,092 |  |  |  | 828 |  |  |  | 9,264 |  |  |  | 10,092 |  |  |  | 1,378 |  |  |  | 10,222 |  |  |  | 11,350 |  |  |  | 121 |  |  |  | 373 |
Owner occupied - commercial real estate |  |  | 6,890 |  |  |  | 1,612 |  |  |  | 5,278 |  |  |  | 6,890 |  |  |  | 1,005 |  |  |  | 5,623 |  |  |  | 4,182 |  |  |  | 26 |  |  |  | 46 |
Real estate mortgage – residential |  |  | 301 |  |  |  | 301 |  |  |  | — |  |  |  | 301 |  |  |  | — |  |  |  | 304 |  |  |  | 368 |  |  |  | — |  |  |  | — |
Construction - commercial and residential |  |  | 4,930 |  |  |  | 1,534 |  |  |  | 3,396 |  |  |  | 4,930 |  |  |  | 2,900 |  |  |  | 4,808 |  |  |  | 3,736 |  |  |  | — |  |  |  | 14 |
Home equity |  |  | 594 |  |  |  | 494 |  |  |  | 100 |  |  |  | 594 |  |  |  | 90 |  |  |  | 446 |  |  |  | 223 |  |  |  | — |  |  |  | 2 |
Other consumer |  |  | 92 |  |  |  | — |  |  |  | 92 |  |  |  | 92 |  |  |  | 81 |  |  |  | 93 |  |  |  | 101 |  |  |  | — |  |  |  | — |
Total |  | $ | 28,946 |  |  | $ | 7,132 |  |  | $ | 21,770 |  |  | $ | 28,902 |  |  | $ | 8,700 |  |  | $ | 27,473 |  |  | $ | 25,750 |  |  | $ | 178 |  |  | $ | 532 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 8,296 |  |  | $ | 2,532 |  |  | $ | 3,095 |  |  | $ | 5,627 |  |  | $ | 2,671 |  |  | $ | 12,620 |  |  | $ | 12,755 |  |  | $ | 79 |  |  | $ | 191 |
Income producing - commercial real estate |  |  | 14,936 |  |  |  | 5,048 |  |  |  | 9,888 |  |  |  | 14,936 |  |  |  | 1,943 |  |  |  | 16,742 |  |  |  | 17,533 |  |  |  | 54 |  |  |  | 198 |
Owner occupied - commercial real estate |  |  | 2,483 |  |  |  | 1,691 |  |  |  | 792 |  |  |  | 2,483 |  |  |  | 350 |  |  |  | 2,233 |  |  |  | 2,106 |  |  |  | — |  |  |  | 13 |
Real estate mortgage – residential |  |  | 555 |  |  |  | 555 |  |  |  | — |  |  |  | 555 |  |  |  | — |  |  |  | 246 |  |  |  | 249 |  |  |  | — |  |  |  | — |
Construction - commercial and residential |  |  | 2,072 |  |  |  | 1,535 |  |  |  | 537 |  |  |  | 2,072 |  |  |  | 522 |  |  |  | 5,091 |  |  |  | 5,174 |  |  |  | — |  |  |  | — |
Home equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 78 |  |  |  | 89 |  |  |  | — |  |  |  | — |
Other consumer |  |  | 126 |  |  |  | — |  |  |  | 126 |  |  |  | 126 |  |  |  | 113 |  |  |  | 42 |  |  |  | 32 |  |  |  | 2 |  |  |  | 4 |
Total |  | $ | 28,468 |  |  | $ | 11,361 |  |  | $ | 14,438 |  |  | $ | 25,799 |  |  | $ | 5,599 |  |  | $ | 37,052 |  |  | $ | 37,938 |  |  | $ | 135 |  |  | $ | 406 |
September 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 15,517 |  |  | $ | 2,370 |  |  | $ | 10,078 |  |  | $ | 12,448 |  |  | $ | 1,997 |  |  | $ | 12,838 |  |  | $ | 12,879 |  |  | $ | 54 |  |  | $ | 112 |
Income producing - commercial real estate |  |  | 14,648 |  |  |  | — |  |  |  | 14,648 |  |  |  | 14,648 |  |  |  | 1,714 |  |  |  | 17,584 |  |  |  | 15,298 |  |  |  | 28 |  |  |  | 144 |
Owner occupied - commercial real estate |  |  | 2,517 |  |  |  | — |  |  |  | 2,517 |  |  |  | 2,517 |  |  |  | 360 |  |  |  | 2,108 |  |  |  | 1,923 |  |  |  | 13 |  |  |  | 13 |
Real estate mortgage – residential |  |  | 244 |  |  |  | 244 |  |  |  | — |  |  |  | 244 |  |  |  | — |  |  |  | 249 |  |  |  | 271 |  |  |  | — |  |  |  | — |
Construction - commercial and residential |  |  | 4,878 |  |  |  | 4,340 |  |  |  | 538 |  |  |  | 4,878 |  |  |  | 300 |  |  |  | 5,146 |  |  |  | 6,542 |  |  |  | — |  |  |  | — |
Home equity |  |  | 113 |  |  |  | — |  |  |  | 113 |  |  |  | 113 |  |  |  | 100 |  |  |  | 117 |  |  |  | 129 |  |  |  | 2 |  |  |  | 2 |
Other consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | — |
Total |  | $ | 37,917 |  |  | $ | 6,954 |  |  | $ | 27,894 |  |  | $ | 34,848 |  |  | $ | 4,471 |  |  | $ | 38,042 |  |  | $ | 37,048 |  |  | $ | 97 |  |  | $ | 271
Schedule of loans modified in troubled debt restructurings | The following table presents by class, the recorded investment of loans modified in a TDR during the three months ended September 30, 2017 and 2016.
|  | For the Three Months Ended September 30, 2017 |
|  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | — |  |  | $ | (356 | ) |  | $ | — |  |  | $ | (23 | ) |  | $ | — |  |  | $ | (379 | )
Restructured nonaccruing |  |  | 2 |  |  |  | 586 |  |  |  | (560 | ) |  |  | — |  |  |  | — |  |  |  | 26 |
Total |  |  | 2 |  |  | $ | 230 |  |  | $ | (560 | ) |  | $ | (23 | ) |  | $ | — |  |  | $ | (353 | )
Specific allowance |  |  |  |  |  | $ | (185 | ) |  | $ | (559 | ) |  | $ | — |  |  | $ | — |  |  | $ | (744 | )
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | For the Three Months Ended September 30, 2016 |
|  |  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 1 |  |  | $ | 801 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 801 |
Restructured nonaccruing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 1 |  |  | $ | 801 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 801 |
Specific allowance |  |  |  |  |  | $ | 363 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 363 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
The following table presents by class, the recorded investment of loans modified in TDRs held by the Company at September 30, 2017 and September 30, 2016.
|  | September 30, 2017 |
|  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 9 |  |  | $ | 2,761 |  |  | $ | 9,212 |  |  | $ | 320 |  |  | $ | — |  |  | $ | 12,293 |
Restructured nonaccruing |  |  | 4 |  |  |  | 776 |  |  |  | 136 |  |  |  | — |  |  |  | — |  |  |  | 912 |
Total |  |  | 13 |  |  | $ | 3,537 |  |  | $ | 9,348 |  |  | $ | 320 |  |  | $ | — |  |  | $ | 13,205 |
Specific allowance |  |  |  |  |  | $ | 685 |  |  | $ | 1,341 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,026 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | 237 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 237 |
|  | September 30, 2016 |
|  |  |  |  |  |  |  | Income Producing - |  |  | Owner Occupied - |  |  | Construction - |  |  |  |
(dollars in thousands) |  | Number of Contracts |  |  | Commercial |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Commercial Real Estate |  |  | Total |
Troubled debt restructings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  |  | 7 |  |  | $ | 1,725 |  |  | $ | 742 |  |  | $ | 414 |  |  | $ | — |  |  | $ | 2,881 |
Restructured nonaccruing |  |  | 2 |  |  |  | 199 |  |  |  | — |  |  |  | — |  |  |  | 4,948 |  |  |  | 5,147 |
Total |  |  | 9 |  |  | $ | 1,924 |  |  | $ | 742 |  |  | $ | 414 |  |  | $ | 4,948 |  |  | $ | 8,028 |
Specific allowance |  |  |  |  |  | $ | 456 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 456 |
Restructured and subsequently defaulted |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4,948 |  |  | $ | 4,948

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