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Loans And Allowance For Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2016
Loans And Allowance For Credit Losses [Abstract]  
Summary Of Major Portfolio Segment And Specific Loan Class
 
December 31,
(In thousands)
2016
 
2015
 
 
 
 
Loans held for sale
$
171,934

 
$
149,880

Commercial:
 
 
 
Commercial and industrial
$
13,451,886

 
$
13,211,481

Leasing
422,969

 
441,666

Owner-occupied
6,961,807

 
7,150,028

Municipal
778,335

 
675,839

Total commercial
21,614,997

 
21,479,014

Commercial real estate:
 
 
 
Construction and land development
2,018,655

 
1,841,502

Term
9,322,138

 
8,514,401

Total commercial real estate
11,340,793

 
10,355,903

Consumer:
 
 
 
Home equity credit line
2,645,192

 
2,416,357

1-4 family residential
5,890,714

 
5,382,099

Construction and other consumer real estate
486,712

 
385,240

Bankcard and other revolving plans
481,063

 
443,780

Other
189,794

 
187,149

Total consumer
9,693,475

 
8,814,625

Total loans
$
42,649,265

 
$
40,649,542
Summary Of Changes in The Allowance For Credit Losses
 
December 31, 2016
(In thousands)
 
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of year
$
454,277

 
$
113,992

 
$
37,779

 
$
606,048

Additions:
 
 
 
 
 
 
 
Provision for loan losses
92,796

 
217

 
(238
)
 
92,775

Adjustment for FDIC-supported/PCI loans
—

 
—

 
—

 
—

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(169,260
)
 
(12,146
)
 
(15,959
)
 
(197,365
)
Recoveries
42,907

 
13,864

 
9,293

 
66,064

Net loan and lease (charge-offs) recoveries
(126,353
)
 
1,718

 
(6,666
)
 
(131,301
)
Balance at end of year
$
420,720

 
$
115,927

 
$
30,875

 
$
567,522

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of year
$
57,696

 
$
16,526

 
$
616

 
$
74,838

Provision credited to earnings
(3,464
)
 
(5,847
)
 
(616
)
 
(9,927
)
Balance at end of year
$
54,232

 
$
10,679

 
$
—

 
$
64,911

Total allowance for credit losses
 
 
 
 
 
 
 
Allowance for loan losses
$
420,720

 
$
115,927

 
$
30,875

 
$
567,522

Reserve for unfunded lending commitments
54,232

 
10,679

 
—

 
64,911

Total allowance for credit losses
$
474,952

 
$
126,606

 
$
30,875

 
$
632,433

 
December 31, 2015
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of year
$
412,514

 
$
145,009

 
$
47,140

 
$
604,663

Additions:
 
 
 
 
 
 
 
Provision for loan losses
96,995

 
(51,777
)
 
(5,183
)
 
40,035

Adjustment for FDIC-supported/PCI loans
(57
)
 
57

 
5

 
5

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(110,437
)
 
(14,194
)
 
(14,298
)
 
(138,929
)
Recoveries
55,262

 
34,897

 
10,115

 
100,274

Net loan and lease charge-offs
(55,175
)
 
20,703

 
(4,183
)
 
(38,655
)
Balance at end of year
$
454,277

 
$
113,992

 
$
37,779

 
$
606,048

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of year
$
58,931

 
$
21,517

 
$
628

 
$
81,076

Provision credited to earnings
(1,235
)
 
(4,991
)
 
(12
)
 
(6,238
)
Balance at end of year
$
57,696

 
$
16,526

 
$
616

 
$
74,838

Total allowance for credit losses
 
 
 
 
 
 
 
Allowance for loan losses
$
454,277


$
113,992


$
37,779


$
606,048

Reserve for unfunded lending commitments
57,696


16,526


616


74,838

Total allowance for credit losses
$
511,973

 
$
130,518

 
$
38,395

 
$
680,886
Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method
 
December 31, 2016
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Individually evaluated for impairment
$
55,951

 
$
2,620

 
$
5,995

 
$
64,566

Collectively evaluated for impairment
364,703

 
113,202

 
24,483

 
502,388

Purchased loans with evidence of credit deterioration
66

 
105

 
397

 
568

Total
$
420,720

 
$
115,927

 
$
30,875

 
$
567,522

Outstanding loan balances
 
 
 
 
 
 
 
Individually evaluated for impairment
$
466,187

 
$
78,190

 
$
75,063

 
$
619,440

Collectively evaluated for impairment
21,111,071

 
11,230,486

 
9,611,096

 
41,952,653

Purchased loans with evidence of credit deterioration
37,739

 
32,117

 
7,316

 
77,172

Total
$
21,614,997

 
$
11,340,793

 
$
9,693,475

 
$
42,649,265


 
December 31, 2015
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Individually evaluated for impairment
$
36,909

 
$
3,154

 
$
9,462

 
$
49,525

Collectively evaluated for impairment
417,295

 
110,417

 
27,866

 
555,578

Purchased loans with evidence of credit deterioration
73

 
421

 
451

 
945

Total
$
454,277

 
$
113,992

 
$
37,779

 
$
606,048

Outstanding loan balances
 
 
 
 
 
 
 
Individually evaluated for impairment
$
289,629

 
$
107,341

 
$
92,605

 
$
489,575

Collectively evaluated for impairment
21,129,125

 
10,193,840

 
8,712,079

 
40,035,044

Purchased loans with evidence of credit deterioration
60,260

 
54,722

 
9,941

 
124,923

Total
$
21,479,014

 
$
10,355,903

 
$
8,814,625

 
$
40,649,542
Summary Of Nonaccrual Loans
Nonaccrual loans are summarized as follows:
 
December 31,
(In thousands)
2016
 
2015
 
 
 
 
Loans held for sale
$
40,330

 
$
—

Commercial:
 
 
 
Commercial and industrial
$
354,172

 
$
163,906

Leasing
13,920

 
3,829

Owner-occupied
73,794

 
73,881

Municipal
852

 
951

Total commercial
442,738

 
242,567

Commercial real estate:
 
 
 
Construction and land development
7,109

 
7,045

Term
29,012

 
40,253

Total commercial real estate
36,121

 
47,298

Consumer:
 
 
 
Home equity credit line
10,842

 
8,270

1-4 family residential
35,577

 
50,254

Construction and other consumer real estate
1,677

 
748

Bankcard and other revolving plans
1,235

 
537

Other
139

 
186

Total consumer loans
49,470

 
59,995

Total
$
528,329

 
$
349,860
Summary Of Past Due Loans (Accruing And Nonaccruing)
Past due loans (accruing and nonaccruing) are summarized as follows:
 
December 31, 2016
(In thousands)
Current
 
30-89 days
past due
 
90+ days
past due
 
Total
past due
 
Total
loans
 
Accruing
loans
90+ days
past due
 
Nonaccrual
loans
that are
current1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
171,934

 
$
—

 
$
—

 
$
—

 
$
171,934

 
$
—

 
$
40,330

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,306,132

 
$
71,446

 
$
74,308

 
$
145,754

 
$
13,451,886

 
$
10,321

 
$
286,883

Leasing
422,969

 
—

 
—

 
—

 
422,969

 
—

 
13,920

Owner-occupied
6,893,739

 
40,655

 
27,413

 
68,068

 
6,961,807

 
7,450

 
43,148

Municipal
778,334

 
—

 
1

 
1

 
778,335

 
1

 
852

Total commercial
21,401,174

 
112,101

 
101,722

 
213,823

 
21,614,997

 
17,772

 
344,803

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,009,344

 
7,208

 
2,103

 
9,311

 
2,018,655

 
368

 
310

Term
9,290,756

 
8,806

 
22,576

 
31,382

 
9,322,138

 
12,349

 
18,469

Total commercial real estate
11,300,100

 
16,014

 
24,679

 
40,693

 
11,340,793

 
12,717

 
18,779

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,635,321

 
3,868

 
6,003

 
9,871

 
2,645,192

 
1,500

 
4,474

1-4 family residential
5,857,429

 
11,982

 
21,303

 
33,285

 
5,890,714

 
121

 
11,342

Construction and other consumer real estate
479,383

 
3,258

 
4,071

 
7,329

 
486,712

 
2,557

 
162

Bankcard and other revolving plans
477,426

 
2,406

 
1,231

 
3,637

 
481,063

 
1,181

 
1,151

Other
189,044

 
711

 
39

 
750

 
189,794

 
—

 
70

Total consumer loans
9,638,603

 
22,225

 
32,647

 
54,872

 
9,693,475

 
5,359

 
17,199

Total
$
42,339,877

 
$
150,340

 
$
159,048

 
$
309,388

 
$
42,649,265

 
$
35,848

 
$
380,781

 
December 31, 2015
(In thousands)
Current
 
30-89 days
past due
 
90+ days
past due
 
Total
past due
 
Total
loans
 
Accruing
loans
90+ days
past due
 
Nonaccrual
loans
that are
current1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
149,880

 
$
—

 
$
—

 
$
—

 
$
149,880

 
$
—

 
$
—

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,114,045

 
$
60,523

 
$
36,913

 
$
97,436

 
$
13,211,481

 
$
3,065

 
$
117,942

Leasing
440,963

 
183

 
520

 
703

 
441,666

 
—

 
3,309

Owner-occupied
7,085,086

 
37,776

 
27,166

 
64,942

 
7,150,028

 
3,626

 
43,984

Municipal
668,207

 
7,586

 
46

 
7,632

 
675,839

 
46

 
951

Total commercial
21,308,301

 
106,068

 
64,645

 
170,713

 
21,479,014

 
6,737

 
166,186

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
1,835,360

 
842

 
5,300

 
6,142

 
1,841,502

 
—

 
1,745

Term
8,469,390

 
10,424

 
34,587

 
45,011

 
8,514,401

 
21,697

 
24,867

Total commercial real estate
10,304,750

 
11,266

 
39,887

 
51,153

 
10,355,903

 
21,697

 
26,612

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,407,972

 
4,717

 
3,668

 
8,385

 
2,416,357

 
—

 
3,053

1-4 family residential
5,340,549

 
14,828

 
26,722

 
41,550

 
5,382,099

 
1,036

 
20,939

Construction and other consumer real estate
374,987

 
8,593

 
1,660

 
10,253

 
385,240

 
1,337

 
408

Bankcard and other revolving plans
440,358

 
1,861

 
1,561

 
3,422

 
443,780

 
1,217

 
146

Other
186,436

 
647

 
66

 
713

 
187,149

 
—

 
83

Total consumer loans
8,750,302

 
30,646

 
33,677

 
64,323

 
8,814,625

 
3,590

 
24,629

Total
$
40,363,353

 
$
147,980

 
$
138,209

 
$
286,189

 
$
40,649,542

 
$
32,024

 
$
217,427

1 
Represents nonaccrual loans not past due more than 30 days; however, full payment of principal and interest is still not expected.
Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators
 
December 31, 2016
(In thousands)
Pass
 
Special
mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,184,707

 
$
266,027

 
$
997,872

 
$
3,280

 
$
13,451,886

 
 
Leasing
387,275

 
4,689

 
30,017

 
988

 
422,969

 
 
Owner-occupied
6,560,030

 
96,464

 
305,313

 
—

 
6,961,807

 
 
Municipal
765,025

 
7,236

 
6,074

 
—

 
778,335

 
 
Total commercial
19,897,037

 
374,416

 
1,339,276

 
4,268

 
21,614,997

 
$
420,720

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
1,941,411

 
51,931

 
25,313

 
—

 
2,018,655

 
 
Term
9,096,745

 
81,698

 
143,695

 
—

 
9,322,138

 
 
Total commercial real estate
11,038,156

 
133,629

 
169,008

 
—

 
11,340,793

 
115,927

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,629,285

 
—

 
15,907

 
—

 
2,645,192

 
 
1-4 family residential
5,850,771

 
—

 
39,943

 
—

 
5,890,714

 
 
Construction and other consumer real estate
482,167

 
—

 
4,545

 
—

 
486,712

 
 
Bankcard and other revolving plans
477,756

 
—

 
3,307

 
—

 
481,063

 
 
Other
189,360

 
—

 
434

 
—

 
189,794

 
 
Total consumer loans
9,629,339

 
—

 
64,136

 
—

 
9,693,475

 
30,875

Total
$
40,564,532

 
$
508,045

 
$
1,572,420

 
$
4,268

 
$
42,649,265

 
$
567,522

 
December 31, 2015
(In thousands)
Pass
 
Special
mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,007,076

 
$
399,847

 
$
804,403

 
$
155

 
$
13,211,481

 
 
Leasing
411,131

 
5,166

 
25,369

 
—

 
441,666

 
 
Owner-occupied
6,720,052

 
139,784

 
290,192

 
—

 
7,150,028

 
 
Municipal
663,903

 
—

 
11,936

 
—

 
675,839

 
 
Total commercial
19,802,162

 
544,797

 
1,131,900

 
155

 
21,479,014

 
$
454,277

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
1,786,610

 
42,348

 
12,544

 
—

 
1,841,502

 
 
Term
8,319,348

 
47,245

 
139,036

 
8,772

 
8,514,401

 
 
Total commercial real estate
10,105,958

 
89,593

 
151,580

 
8,772

 
10,355,903

 
113,992

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,404,635

 
—

 
11,722

 
—

 
2,416,357

 
 
1-4 family residential
5,325,519

 
—

 
56,580

 
—

 
5,382,099

 
 
Construction and other consumer real estate
381,738

 
—

 
3,502

 
—

 
385,240

 
 
Bankcard and other revolving plans
440,282

 
—

 
3,498

 
—

 
443,780

 
 
Other
186,836

 
—

 
313

 
—

 
187,149

 
 
Total consumer loans
8,739,010

 
—

 
75,615

 
—

 
8,814,625

 
37,779

Total
$
38,647,130

 
$
634,390

 
$
1,359,095

 
$
8,927

 
$
40,649,542

 
$
606,048
Summary Of Information On Impaired Loans
 
December 31, 2016
 
Year Ended
December 31, 2016
(In thousands)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
 
Average
recorded
investment
 
Interest
income
recognized
with no
allowance
 
with
allowance
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
469,880

 
$
82,197

 
$
310,740

 
$
392,937

 
$
52,164

 
$
332,775

 
$
4,783

Owner-occupied
110,779

 
70,983

 
29,713

 
100,696

 
3,138

 
98,903

 
9,082

Municipal
1,331

 
852

 
—

 
852

 
—

 
892

 
—

Total commercial
581,990

 
154,032

 
340,453

 
494,485

 
55,302

 
432,570

 
13,865

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
21,891

 
7,093

 
6,614

 
13,707

 
224

 
10,906

 
2,325

Term
78,991

 
52,987

 
16,725

 
69,712

 
1,305

 
76,421

 
12,810

Total commercial real estate
100,882

 
60,080

 
23,339

 
83,419

 
1,529

 
87,327

 
15,135

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
24,531

 
15,466

 
6,831

 
22,297

 
477

 
21,680

 
1,324

1-4 family residential
59,271

 
27,366

 
28,430

 
55,796

 
5,549

 
56,573

 
1,683

Construction and other consumer real estate
3,128

 
859

 
1,763

 
2,622

 
364

 
2,487

 
132

Bankcard and other revolving plans
—

 
—

 
—

 
—

 
—

 
—

 
18

Other
1,592

 
1,110

 
30

 
1,140

 
2

 
2,019

 
353

Total consumer loans
88,522

 
44,801

 
37,054

 
81,855

 
6,392

 
82,759

 
3,510

Total
$
771,394

 
$
258,913

 
$
400,846

 
$
659,759

 
$
63,223

 
$
602,656

 
$
32,510

 
December 31, 2015
 
Year Ended
December 31, 2015
(In thousands)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
 
Average
recorded
investment
 
Interest
income
recognized
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
272,161

 
$
44,190

 
$
163,729

 
$
207,919

 
$
30,538

 
$
153,756

 
$
7,506

Owner-occupied
141,526

 
83,024

 
43,243

 
126,267

 
5,486

 
125,777

 
12,450

Municipal
1,430

 
951

 
—

 
951

 
—

 
994

 
—

Total commercial
415,117

 
128,165

 
206,972

 
335,137

 
36,024

 
280,527

 
19,956

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
22,791

 
5,076

 
9,558

 
14,634

 
618

 
16,192

 
6,410

Term
142,239

 
82,864

 
34,361

 
117,225

 
2,604

 
111,074

 
16,971

Total commercial real estate
165,030

 
87,940

 
43,919

 
131,859

 
3,222

 
127,266

 
23,381

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
27,064

 
18,980

 
5,319

 
24,299

 
243

 
22,050

 
1,547

1-4 family residential
74,009

 
29,540

 
41,155

 
70,695

 
8,736

 
96,482

 
2,616

Construction and other consumer real estate
2,741

 
989

 
1,014

 
2,003

 
173

 
2,288

 
123

Bankcard and other revolving plans
—

 
—

 
—

 
—

 
—

 
1

 
102

Other
3,187

 
36

 
2,570

 
2,606

 
299

 
3,781

 
838

Total consumer loans
107,001

 
49,545

 
50,058

 
99,603

 
9,451

 
124,602

 
5,226

Total
$
687,148

 
$
265,650

 
$
300,949

 
$
566,599

 
$
48,697

 
$
532,395

 
$
48,563
Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type
 
December 31, 2016
 
Recorded investment resulting from the following modification types:
 
 
(In thousands)

Interest
rate below
market
 
Maturity
or term
extension
 
Principal
forgiveness
 
Payment
deferral
 
Other1
 
Multiple
modification
types2
 
Total
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
241

 
$
18,674

 
$
—

 
$
67

 
$
43

 
$
27,679

 
$
46,704

Owner-occupied
2,543

 
191

 
887

 
—

 
7,832

 
10,616

 
22,069

Total commercial
2,784

 
18,865

 
887

 
67

 
7,875

 
38,295

 
68,773

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
40

 
3,425

 
—

 
—

 
—

 
3,414

 
6,879

Term
4,491

 
224

 
162

 
979

 
1,776

 
10,403

 
18,035

Total commercial real estate
4,531

 
3,649

 
162

 
979

 
1,776

 
13,817

 
24,914

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
195

 
1,451

 
9,903

 
4

 
161

 
2,554

 
14,268

1-4 family residential
2,301

 
419

 
6,476

 
252

 
2,608

 
29,487

 
41,543

Construction and other consumer real estate
160

 
226

 
13

 
—

 
—

 
897

 
1,296

Other
—

 
—

 
122

 
—

 
—

 
—

 
122

Total consumer loans
2,656

 
2,096

 
16,514

 
256

 
2,769

 
32,938

 
57,229

Total accruing
9,971

 
24,610

 
17,563

 
1,302

 
12,420

 
85,050

 
150,916

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
775

 
185

 
—

 
1,085

 
33,037

 
24,716

 
59,798

Owner-occupied
601

 
837

 
—

 
2,821

 
1,045

 
12,482

 
17,786

Municipal
—

 
852

 
—

 
—

 
—

 
—

 
852

Total commercial
1,376

 
1,874

 
—

 
3,906

 
34,082

 
37,198

 
78,436

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
39

 
—

 
—

 
1,725

 
—

 
1,764

Term
1,659

 
1,058

 
—

 
—

 
2,474

 
2,939

 
8,130

Total commercial real estate
1,659

 
1,097

 
—

 
—

 
4,199

 
2,939

 
9,894

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
431

 
1,036

 
35

 
—

 
670

 
2,172

1-4 family residential
—

 
158

 
1,643

 
292

 
1,253

 
4,830

 
8,176

Construction and other consumer real estate
—

 
88

 
92

 
1,145

 
1

 
—

 
1,326

Total consumer loans
—

 
677

 
2,771

 
1,472

 
1,254

 
5,500

 
11,674

Total nonaccruing
3,035

 
3,648

 
2,771

 
5,378

 
39,535

 
45,637

 
100,004

Total
$
13,006

 
$
28,258

 
$
20,334

 
$
6,680

 
$
51,955

 
$
130,687

 
$
250,920

 
 
December 31, 2015
 
Recorded investment resulting from the following modification types:
 
 
(In thousands)

Interest
rate below
market
 
Maturity
or term
extension
 
Principal
forgiveness
 
Payment
deferral
 
Other1
 
Multiple
modification
types2
 
Total
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
202

 
$
3,236

 
$
13

 
$
100

 
$
23,207

 
$
34,473

 
$
61,231

Owner-occupied
1,999

 
681

 
929

 
—

 
9,879

 
16,339

 
29,827

Total commercial
2,201

 
3,917

 
942

 
100

 
33,086

 
50,812

 
91,058

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
94

 
—

 
—

 
—

 
—

 
9,698

 
9,792

Term
4,696

 
638

 
166

 
976

 
2,249

 
20,833

 
29,558

Total commercial real estate
4,790

 
638

 
166

 
976

 
2,249

 
30,531

 
39,350

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
192

 
2,147

 
9,763

 
—

 
164

 
3,155

 
15,421

1-4 family residential
2,669

 
353

 
6,747

 
433

 
3,440

 
32,903

 
46,545

Construction and other consumer real estate
174

 
384

 
—

 
—

 
—

 
1,152

 
1,710

Other
—

 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
3,035

 
2,884

 
16,510

 
433

 
3,604

 
37,210

 
63,676

Total accruing
10,026

 
7,439

 
17,618

 
1,509

 
38,939

 
118,553

 
194,084

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
28

 
455

 
—

 
1,879

 
3,577

 
49,617

 
55,556

Owner-occupied
685

 
1,669

 
—

 
724

 
34

 
16,335

 
19,447

Municipal
—

 
951

 
—

 
—

 
—

 
—

 
951

Total commercial
713

 
3,075

 
—

 
2,603

 
3,611

 
65,952

 
75,954

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
333

 
—

 
—

 
3,156

 
208

 
3,697

Term
1,844

 
—

 
—

 
—

 
2,960

 
5,203

 
10,007

Total commercial real estate
1,844

 
333

 
—

 
—

 
6,116

 
5,411

 
13,704

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
7

 
500

 
1,400

 
54

 
—

 
233

 
2,194

1-4 family residential
—

 
275

 
2,052

 
136

 
1,180

 
7,299

 
10,942

Construction and other consumer real estate
—

 
101

 
17

 
48

 
—

 
44

 
210

Total consumer loans
7

 
876

 
3,469

 
238

 
1,180

 
7,576

 
13,346

Total nonaccruing
2,564

 
4,284

 
3,469

 
2,841

 
10,907

 
78,939

 
103,004

Total
$
12,590

 
$
11,723

 
$
21,087

 
$
4,350

 
$
49,846

 
$
197,492

 
$
297,088

1 
Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.
2 
Includes TDRs that resulted from a combination of any of the previous modification types.
Schedule Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans
(In thousands)
2016
 
2015
Commercial:
 
 
 
Commercial and industrial
$
(297
)
 
$
(261
)
Owner-occupied
(200
)
 
(279
)
Total commercial
(497
)
 
(540
)
Commercial real estate:
 
 
 
Construction and land development
(4
)
 
(90
)
Term
(278
)
 
(378
)
Total commercial real estate
(282
)
 
(468
)
Consumer:
 
 
 
Home equity credit line
—

 
(2
)
1-4 family residential
(825
)
 
(1,037
)
Construction and other consumer real estate
(19
)
 
(27
)
Total consumer loans
(844
)
 
(1,066
)
Total decrease to interest income 1
$
(1,623
)
 
$
(2,074
)
1 
Calculated based on the difference between the modified rate and the premodified rate applied to the recorded investment.
Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings
(In thousands)
December 31, 2016
 
December 31, 2015
Accruing
 
Nonaccruing
 
Total
 
Accruing
 
Nonaccruing
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
28

 
$
618

 
$
646

 
$
883

 
$
116

 
$
999

Owner-occupied
—

 
822

 
822

 
—

 
1,684

 
1,684

Total commercial
28

 
1,440

 
1,468

 
883

 
1,800

 
2,683

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

Term
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
132

 
132

 
—

 
—

 
—

1-4 family residential
—

 
308

 
308

 
—

 
722

 
722

Construction and other consumer real estate
—

 
1,128

 
1,128

 
—

 
—

 
—

Total consumer loans
—

 
1,568

 
1,568

 
—

 
722

 
722

Total
$
28

 
$
3,008

 
$
3,036

 
$
883

 
$
2,522

 
$
3,405


Note: Total loans modified as TDRs during the 12 months previous to December 31, 2016 and 2015 were $72.5 million and $134.0 million, respectively.
Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans
 
December 31,
(In thousands) 
2016
 
2015
 
 
 
 
Commercial
$
44,960

 
$
72,440

Commercial real estate
38,670

 
65,167

Consumer
8,504

 
11,082

Outstanding balance
$
92,134

 
$
148,689

Carrying amount
$
77,172

 
$
125,029

Less ALLL
568

 
945

Carrying amount, net
$
76,604

 
$
124,084
Schedule Of Changes In The Accretable Yield For PCI Loans
(In thousands)
2016
 
2015
 
 
 
 
Balance at beginning of year
$
39,803

 
$
45,055

Accretion
(24,479
)
 
(40,077
)
Reclassification from nonaccretable difference
11,167

 
22,190

Disposals and other
6,513

 
12,635

Balance at end of year
$
33,004

 
$
39,803