Allowance for Loan Losses, Allowance for Losses on Lending-Related Commitments and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2018

Schedule of Aging of the Company's Loan Portfolio

The tables below show the aging of the Company’s loan portfolio at March 31, 2018, December 31, 2017 and March 31, 2017:



As of March 31, 2018			90+ days and still accruing		60-89 days past due		30-59 days past due
(Dollars in thousands)	Nonaccrual								Current		Total Loans
Loan Balances:
Commercial
Commercial, industrial and other	$	10,051	$	—	$	594	$	31,475	$	4,518,760	$	4,560,880
Franchise	2,401		—		44		1,203		931,710		935,358
Mortgage warehouse lines of credit	—		—		—		5,771		157,699		163,470
Asset-based lending	1,194		—		47		12,611		963,883		977,735
Leases	361		—		—		3,170		410,667		414,198
PCI - commercial ⁽¹⁾	—		856		86		3		8,285		9,230
Total commercial	14,007		856		771		54,233		6,991,004		7,060,871
Commercial real estate:
Construction	3,139		—		—		9,576		802,921		815,636
Land	182		—		—		4,527		117,981		122,690
Office	474		—		925		11,466		878,206		891,071
Industrial	1,427		—		823		5,027		898,867		906,144
Retail	12,274		—		—		4,785		878,563		895,622
Multi-family	19		—		—		328		931,008		931,355
Mixed use and other	4,310		—		192		13,626		1,937,328		1,955,456
PCI - commercial real estate ⁽¹⁾	—		3,107		1,623		9,134		101,682		115,546
Total commercial real estate	21,825		3,107		3,563		58,469		6,546,556		6,633,520
Home equity	9,828		—		1,505		4,033		611,181		626,547
Residential real estate, including PCI	17,214		1,437		229		8,808		841,416		869,104
Premium finance receivables
Commercial insurance loans	17,342		8,547		6,543		17,756		2,525,962		2,576,150
Life insurance loans	—		—		5,125		11,420		3,986,181		4,002,726
PCI - life insurance loans ⁽¹⁾	—		—		—		—		187,235		187,235
Consumer and other, including PCI	720		269		216		291		104,485		105,981
Total loans, net of unearned income	$	80,936	$	14,216	$	17,952	$	155,010	$	21,794,020	$	22,062,134



As of December 31, 2017			90+ days and still accruing		60-89 days past due		30-59 days past due
(Dollars in thousands)	Nonaccrual								Current		Total Loans
Loan Balances:
Commercial
Commercial, industrial and other	$	11,260	$	—	$	3,746	$	13,392	$	4,314,107	$	4,342,505
Franchise	2,447		—		—		—		845,150		847,597
Mortgage warehouse lines of credit	—		—		—		4,000		190,523		194,523
Asset-based lending	1,550		—		283		10,057		968,576		980,466
Leases	439		—		3		1,958		410,772		413,172
PCI - commercial ⁽¹⁾	—		877		186		—		8,351		9,414
Total commercial	15,696		877		4,218		29,407		6,737,479		6,787,677
Commercial real estate
Construction	3,143		—		—		200		742,171		745,514
Land	188		—		—		5,156		121,140		126,484
Office	2,438		—		—		4,458		887,937		894,833
Industrial	811		—		—		2,412		879,796		883,019
Retail	12,328		—		668		148		938,383		951,527
Multi-family	—		—		—		1,034		914,610		915,644
Mixed use and other	3,140		—		1,423		9,641		1,921,501		1,935,705
PCI - commercial real estate ⁽¹⁾	—		7,135		2,255		6,277		112,225		127,892
Total commercial real estate	22,048		7,135		4,346		29,326		6,517,763		6,580,618
Home equity	8,978		—		518		4,634		648,915		663,045
Residential real estate, including PCI	17,977		5,304		1,303		8,378		799,158		832,120
Premium finance receivables
Commercial insurance loans	12,163		9,242		17,796		15,849		2,579,515		2,634,565
Life insurance loans	—		—		4,837		10,017		3,820,936		3,835,790
PCI - life insurance loans ⁽¹⁾	—		—		—		—		199,269		199,269
Consumer and other, including PCI	740		101		242		727		105,903		107,713
Total loans, net of unearned income	$	77,602	$	22,659	$	33,260	$	98,338	$	21,408,938	$	21,640,797


(1)	PCI loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30. Loan agings are based upon contractually required payments.



As of March 31, 2017			90+ days and still accruing		60-89 days past due		30-59 days past due
(Dollars in thousands)	Nonaccrual		90+ days and still accruing		60-89 days past due		30-59 days past due		Current		Total Loans
Loan Balances:
Commercial
Commercial, industrial and other	$	12,036	$	100	$	19	$	23,780	$	3,855,140	$	3,891,075
Franchise	323		—		—		987		822,424		823,734
Mortgage warehouse lines of credit	—		—		—		9,111		145,069		154,180
Asset-based lending	1,378		—		—		3,744		875,882		881,004
Leases	570		—		—		874		318,566		320,010
PCI - commercial ⁽¹⁾	—		1,368		—		944		9,174		11,486
Total commercial	14,307		1,468		19		39,440		6,026,255		6,081,489
Commercial real estate:
Construction	2,408		—		391		4,356		648,178		655,333
Land	350		—		—		3,274		101,455		105,079
Office	3,513		—		953		7,155		859,045		870,666
Industrial	7,004		—		—		2,656		783,302		792,962
Retail	589		—		—		4,727		906,470		911,786
Multi-family	668		—		203		4,813		799,092		804,776
Mixed use and other	6,277		—		3,207		14,166		1,940,094		1,963,744
PCI - commercial real estate ⁽¹⁾	—		12,559		672		15,565		128,540		157,336
Total commercial real estate	20,809		12,559		5,426		56,712		6,166,176		6,261,682
Home equity	11,722		—		430		4,884		691,222		708,258
Residential real estate, including PCI	11,943		900		3,410		5,262		699,093		720,608
Premium finance receivables
Commercial insurance loans	12,629		4,991		6,383		23,775		2,399,168		2,446,946
Life insurance loans	—		2,024		2,535		32,208		3,316,090		3,352,857
PCI - life insurance loans ⁽¹⁾	—		—		—		—		240,706		240,706
Consumer and other, including PCI	350		167		323		543		117,129		118,512
Total loans, net of unearned income, excluding covered loans	$	71,760	$	22,109	$	18,526	$	162,824	$	19,655,839	$	19,931,058
Covered loans	1,592		2,808		268		1,570		46,121		52,359
Total loans, net of unearned income	$	73,352	$	24,917	$	18,794	$	164,394	$	19,701,960	$	19,983,417


(1)	PCI loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30. Loan agings are based upon contractually required payments.

Summary of Performance by Loan Class

The following table presents the recorded investment based on performance of loans by class, excluding covered loans, per the most recent analysis at March 31, 2018, December 31, 2017 and March 31, 2017:



	Performing						Non-performing						Total
(Dollars in thousands)	March 31, 2018		December 31, 2017		March 31, 2017		March 31, 2018		December 31, 2017		March 31, 2017		March 31, 2018		December 31, 2017		March 31, 2017
Loan Balances:
Commercial
Commercial, industrial and other	$	4,550,829	$	4,331,245	$	3,878,939	$	10,051	$	11,260	$	12,136	$	4,560,880	$	4,342,505	$	3,891,075
Franchise	932,957		845,150		823,411		2,401		2,447		323		935,358		847,597		823,734
Mortgage warehouse lines of credit	163,470		194,523		154,180		—		—		—		163,470		194,523		154,180
Asset-based lending	976,541		978,916		879,626		1,194		1,550		1,378		977,735		980,466		881,004
Leases	413,837		412,733		319,440		361		439		570		414,198		413,172		320,010
PCI - commercial ⁽¹⁾	9,230		9,414		11,486		—		—		—		9,230		9,414		11,486
Total commercial	7,046,864		6,771,981		6,067,082		14,007		15,696		14,407		7,060,871		6,787,677		6,081,489
Commercial real estate
Construction	812,497		742,371		652,925		3,139		3,143		2,408		815,636		745,514		655,333
Land	122,508		126,296		104,729		182		188		350		122,690		126,484		105,079
Office	890,597		892,395		867,153		474		2,438		3,513		891,071		894,833		870,666
Industrial	904,717		882,208		785,958		1,427		811		7,004		906,144		883,019		792,962
Retail	883,348		939,199		911,197		12,274		12,328		589		895,622		951,527		911,786
Multi-family	931,336		915,644		804,108		19		—		668		931,355		915,644		804,776
Mixed use and other	1,951,146		1,932,565		1,957,467		4,310		3,140		6,277		1,955,456		1,935,705		1,963,744
PCI - commercial real estate⁽¹⁾	115,546		127,892		157,336		—		—		—		115,546		127,892		157,336
Total commercial real estate	6,611,695		6,558,570		6,240,873		21,825		22,048		20,809		6,633,520		6,580,618		6,261,682
Home equity	616,719		654,067		696,536		9,828		8,978		11,722		626,547		663,045		708,258
Residential real estate, including PCI	851,890		810,865		708,665		17,214		21,255		11,943		869,104		832,120		720,608
Premium finance receivables
Commercial insurance loans	2,550,261		2,613,160		2,429,326		25,889		21,405		17,620		2,576,150		2,634,565		2,446,946
Life insurance loans	4,002,726		3,835,790		3,350,833		—		—		2,024		4,002,726		3,835,790		3,352,857
PCI - life insurance loans ⁽¹⁾	187,235		199,269		240,706		—		—		—		187,235		199,269		240,706
Consumer and other, including PCI	105,054		106,933		118,058		927		780		454		105,981		107,713		118,512
Total loans, net of unearned income, excluding covered loans	$	21,972,444	$	21,550,635	$	19,852,079	$	89,690	$	90,162	$	78,979	$	22,062,134	$	21,640,797	$	19,931,058


(1)	PCI loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30. See Note 6 - Loans for further discussion of these purchased loans.

Summary of Activity in the Allowance for Credit Losses

A summary of activity in the allowance for credit losses by loan portfolio (excluding covered loans) for the three months ended March 31, 2018 and 2017 is as follows:



Three months ended March 31, 2018				Commercial Real Estate			Home Equity			Residential Real Estate			Premium Finance Receivables			Consumer and Other			Total, Excluding Covered Loans
(Dollars in thousands)	Commercial			Commercial Real Estate			Home Equity			Residential Real Estate			Premium Finance Receivables			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	57,811		$	55,227		$	10,493		$	6,688		$	6,846		$	840		$	137,905
Other adjustments	(1		)	(24		)	—			(3		)	(12		)	—			(40		)
Reclassification from allowance for unfunded lending-related commitments	—			26			—			—			—			—			26
Charge-offs	(2,687		)	(813		)	(357		)	(571		)	(4,721		)	(129		)	(9,278		)
Recoveries	262			1,687			123			40			385			47			2,544
Provision for credit losses	2,251			1,378			(399		)	124			4,835			157			8,346
Allowance for loan losses at period end	$	57,636		$	57,481		$	9,860		$	6,278		$	7,333		$	915		$	139,503
Allowance for unfunded lending-related commitments at period end	$	—		$	1,243		$	—		$	—		$	—		$	—		$	1,243
Allowance for credit losses at period end	$	57,636		$	58,724		$	9,860		$	6,278		$	7,333		$	915		$	140,746
Individually evaluated for impairment	$	2,344		$	3,611		$	749		$	148		$	—		$	25		$	6,877
Collectively evaluated for impairment	54,789			55,042			9,111			6,029			7,333			890			133,194
Loans acquired with deteriorated credit quality	503			71			—			101			—			—			675
Loans at period end
Individually evaluated for impairment	$	33,810		$	38,237		$	10,102		$	20,558		$	—		$	748		$	103,455
Collectively evaluated for impairment	7,017,831			6,479,737			616,445			768,859			6,578,876			103,224			21,564,972
Loans acquired with deteriorated credit quality	9,230			115,546			—			11,725			187,235			2,009			325,745
Loans held at fair value	—			—			—			67,962			—			—			67,962



Three months ended March 31, 2017	Commercial			Commercial Real Estate			Home Equity			Residential Real Estate			Premium Finance Receivables			Consumer and Other			Total, Excluding Covered Loans
(Dollars in thousands)	Commercial			Commercial Real Estate			Home Equity			Residential Real Estate			Premium Finance Receivables			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	44,493		$	51,422		$	11,774		$	5,714		$	7,625		$	1,263		$	122,291
Other adjustments	(19		)	(36		)	—			(4		)	3			—			(56		)
Reclassification from allowance for unfunded lending-related commitments	(92		)	(46		)	—			—			—			—			(138		)
Charge-offs	(641		)	(261		)	(625		)	(329		)	(1,427		)	(134		)	(3,417		)
Recoveries	273			554			65			178			612			141			1,823
Provision for credit losses	2,568			1,000			989			(29		)	746			42			5,316
Allowance for loan losses at period end	$	46,582		$	52,633		$	12,203		$	5,530		$	7,559		$	1,312		$	125,819
Allowance for unfunded lending-related commitments at period end	$	592		$	1,219		$	—		$	—		$	—		$	—		$	1,811
Allowance for credit losses at period end	$	47,174		$	53,852		$	12,203		$	5,530		$	7,559		$	1,312		$	127,630
Individually evaluated for impairment	$	2,845		$	3,198		$	1,979		$	666		$	—		$	92		$	8,780
Collectively evaluated for impairment	43,687			50,594			10,224			4,802			7,559			1,219			118,085
Loans acquired with deteriorated credit quality	642			60			—			62			—			1			765
Loans at period end
Individually evaluated for impairment	$	19,319		$	40,107		$	11,878		$	16,594		$	—		$	405		$	88,303
Collectively evaluated for impairment	6,050,684			6,064,239			696,380			671,765			5,799,803			116,966			19,399,837
Loans acquired with deteriorated credit quality	11,486			157,336			—			3,701			240,706			1,141			414,370
Loans held at fair value	—			—			—			28,548			—			—			28,548

Summary Of Activity In Allowance For Covered Loan By FDIC Loss Table

A summary of activity in the allowance for covered loan losses for the three months ended March 31, 2017 is as follows:



	Three Months Ended
	March 31,
(Dollars in thousands)	2017
Balance at beginning of period	$	1,322
Provision for covered loan losses before benefit attributable to FDIC loss share agreements	(535		)
Benefit attributable to FDIC loss share agreements	428
Net provision for covered loan losses	(107		)
Increase in FDIC indemnification liability	(428		)
Loans charged-off	(216		)
Recoveries of loans charged-off	748
Net (charge-offs) recoveries	532
Balance at end of period	$	1,319

Summary of Impaired Loans, Including Restructured Loans

A summary of impaired loans, including troubled debt restructurings ("TDRs"), is as follows:



	March 31,		December 31,		March 31,
(Dollars in thousands)	2018		2017		2017
Impaired loans (included in non-performing and TDRs):
Impaired loans with an allowance for loan loss required ⁽¹⁾	$	37,572	$	36,084	$	39,968
Impaired loans with no allowance for loan loss required	65,559		69,004		47,554
Total impaired loans ⁽²⁾	$	103,131	$	105,088	$	87,522
Allowance for loan losses related to impaired loans	$	6,863	$	8,023	$	8,165
TDRs	$	47,676	$	49,786	$	39,669


(1)	These impaired loans require an allowance for loan losses because the estimated fair value of the loans or related collateral is less than the recorded investment in the loans.


(2)	Impaired loans are considered by the Company to be non-accrual loans, TDRs or loans with principal and/or interest at risk, even if the loan is current with all payments of principal and interest.

Summary of Impaired Loans by Loan Class

The following tables present impaired loans by loan class, excluding covered loans, for the periods ended as follows:



							For the Three Months Ended
	As of March 31, 2018						March 31, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
(Dollars in thousands)
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	5,521	$	5,587	$	1,738	$	5,607	$	83
Franchise	—		—		—		—		—
Asset-based lending	1,107		1,107		475		1,166		20
Leases	2,213		2,221		131		2,247		27
Commercial real estate
Construction	3,097		3,897		599		3,097		50
Land	1,500		1,500		3		1,567		17
Office	1,479		2,078		73		1,483		24
Industrial	63		172		1		63		2
Retail	15,347		15,415		2,512		15,315		166
Multi-family	1,234		1,277		21		1,254		12
Mixed use and other	2,036		2,281		388		2,054		30
Home equity	1,697		1,889		749		1,699		19
Residential real estate	2,253		2,956		148		2,258		33
Consumer and other	25		27		25		25		—
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	5,480	$	6,777	$	—	$	5,650	$	109
Franchise	18,657		18,661		—		18,675		239
Asset-based lending	86		231		—		182		3
Leases	746		746		—		754		11
Commercial real estate
Construction	1,363		1,364		—		1,364		15
Land	2,329		2,434		—		2,339		31
Office	59		754		—		61		11
Industrial	1,427		1,485		—		1,430		20
Retail	2,695		2,992		—		2,710		58
Multi-family	—		84		—		—		1
Mixed use and other	5,284		5,981		—		5,340		80
Home equity	8,405		12,535		—		8,255		151
Residential real estate	18,305		20,983		—		18,630		222
Consumer and other	723		870		—		726		12
Total impaired loans, net of unearned income	$	103,131	$	116,304	$	6,863	$	103,951	$	1,446



							For the Twelve Months Ended
	As of December 31, 2017						December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
(Dollars in thousands)
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	6,233	$	7,323	$	3,951	$	7,220	$	452
Franchise	—		—		—		—		—
Asset-based lending	948		949		355		1,302		72
Leases	2,331		2,337		158		2,463		117
Commercial real estate
Construction	3,097		3,897		403		3,690		197
Land	—		—		—		—		—
Office	471		471		5		481		24
Industrial	408		408		40		414		25
Retail	15,599		15,657		1,336		15,736		624
Multi-family	—		—		—		—		—
Mixed use and other	1,567		1,586		379		1,599		77
Home equity	1,606		1,869		784		1,626		81
Residential real estate	3,798		3,910		586		3,790		146
Consumer and other	26		28		26		27		2
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	8,460	$	12,259	$	—	$	10,170	$	683
Franchise	16,256		16,256		—		17,089		780
Asset-based lending	602		602		—		688		40
Leases	782		782		—		845		49
Commercial real estate
Construction	1,367		1,678		—		1,555		84
Land	3,961		4,192		—		4,129		182
Office	2,438		6,140		—		3,484		330
Industrial	403		2,010		—		1,849		174
Retail	2,393		3,538		—		2,486		221
Multi-family	1,231		2,078		—		1,246		76
Mixed use and other	5,275		6,731		—		5,559		351
Home equity	7,648		11,648		—		9,114		603
Residential real estate	17,455		20,327		—		17,926		860
Consumer and other	733		890		—		773		48
Total impaired loans, net of unearned income	$	105,088	$	127,566	$	8,023	$	115,261	$	6,298



							For the Three Months Ended
	As of March 31, 2017						March 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
(Dollars in thousands)
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	3,804	$	3,830	$	1,568	$	3,856	$	50
Franchise	—		—		—		—		—
Asset-based lending	1,378		1,380		378		1,279		12
Leases	2,616		2,619		304		2,689		36
Commercial real estate
Construction	5,262		5,262		74		5,276		53
Land	3,033		3,033		13		3,033		28
Office	1,512		1,522		310		1,513		18
Industrial	4,831		5,554		1,703		4,854		71
Retail	1,733		1,843		156		1,739		23
Multi-family	1,256		1,256		20		1,256		11
Mixed use and other	5,472		5,561		902		5,486		67
Home equity	3,863		3,891		1,979		3,866		35
Residential real estate	5,116		5,652		666		5,166		57
Consumer and other	92		94		92		95		1
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial, industrial and other	$	10,270	$	11,307	$	—	$	10,668	$	185
Franchise	—		—		—		—		—
Leases	846		846		—		852		13
Commercial real estate
Construction	3,912		3,912		—		3,973		46
Land	1,240		1,631		—		1,321		15
Office	2,487		3,803		—		2,432		56
Industrial	2,172		2,487		—		2,152		57
Retail	—		—		—		—		—
Multi-family	668		752		—		652		11
Mixed use and other	6,153		6,961		—		6,234		91
Home equity	8,015		10,420		—		8,176		123
Residential real estate	11,478		12,673		—		11,522		151
Consumer and other	313		401		—		315		5
Total impaired loans, net of unearned income	$	87,522	$	96,690	$	8,165	$	88,405	$	1,215

Summary of the Post-Modification Balance of TDRs

The tables below present a summary of the post-modification balance of loans restructured during the three months ended March 31, 2018 and 2017, respectively, which represent TDRs:



Three months ended March 31, 2018 (Dollars in thousands)	Total ⁽¹⁾⁽²⁾			Extension at Below Market Terms ⁽²⁾			Reduction of Interest Rate ⁽²⁾			Modification to Interest-only Payments ⁽²⁾			Forgiveness of Debt⁽²⁾
Three months ended March 31, 2018 (Dollars in thousands)	Count	Balance		Count	Balance		Count	Balance		Count	Balance		Count	Balance
Commercial
Commercial, industrial and other	1	$	96	1	$	96	—	$	—	—	$	—	—	$	—
Commercial real estate
Office	1	59		1	59		—	—		—	—		—	—
Industrial	—	—		—	—		—	—		—	—		—	—
Mixed use and other	—	—		—	—		—	—		—	—		—	—
Residential real estate and other	5	835		5	835		2	111		—	—		—	—
Total loans	7	$	990	7	$	990	2	$	111	—	$	—	—	$	—



Three months ended March 31, 2017 (Dollars in thousands)	Total ⁽¹⁾⁽²⁾			Extension at Below Market Terms ⁽²⁾			Reduction of Interest Rate ⁽²⁾			Modification to Interest-only Payments ⁽²⁾			Forgiveness of Debt⁽²⁾
Three months ended March 31, 2017 (Dollars in thousands)	Count	Balance		Count	Balance		Count	Balance		Count	Balance		Count	Balance
Commercial
Commercial, industrial and other	1	$	95	1	$	95	—	$	—	—	$	—	—	$	—
Commercial real estate
Office	—	—		—	—		—	—		—	—		—	—
Industrial	—	—		—	—		—	—		—	—		—	—
Mixed use and other	1	1,245		1	1,245		—	—		—	—		—	—
Residential real estate and other	2	173		2	173		2	173		—	—		—	—
Total loans	4	$	1,513	4	$	1,513	2	$	173	—	$	—	—	$	—


(1)	TDRs may have more than one modification representing a concession. As such, TDRs during the period may be represented in more than one of the categories noted above.


(2)	Balances represent the recorded investment in the loan at the time of the restructuring.

Schedule of Loans Restructured with Payments in Default

The following table presents a summary of all loans restructured in TDRs during the twelve months ended March 31, 2018 and 2017, and such loans which were in payment default under the restructured terms during the respective periods below:



(Dollars in thousands)	As of March 31, 2018			Three Months Ended March 31, 2018			As of March 31, 2017		Three Months Ended March 31, 2017
	Total ⁽¹⁾⁽³⁾			Payments in Default⁽²⁾⁽³⁾			Total ⁽¹⁾⁽³⁾		Payments in Default⁽²⁾⁽³⁾
	Count	Balance		Count	Balance		Count	Balance	Count	Balance
Commercial
Commercial, industrial and other	5	$	3,776	5	$	3,776	3	398	1	$	28
Leases	3	16,256		—	—		2	2,949	—	—
Commercial real estate
Office	1	59		—	—		—	—	—	—
Industrial	—	—		—	—		—	—	—	—
Mixed use and other	—	—		—	—		1	1,245	—	—
Residential real estate and other	15	3,711		5	2,551		8	1,095	1	232
Total loans	24	$	23,802	10	$	6,327	14	5,687	2	$	260


(1)	Total TDRs represent all loans restructured in TDRs during the previous twelve months from the date indicated.


(2)	TDRs considered to be in payment default are over 30 days past-due subsequent to the restructuring.


(3)	Balances represent the recorded investment in the loan at the time of the restructuring.