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Loans And Allowance For Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at March 31, 2022 and December 31, 2021 are as follows:

(In thousands)
March 31, 2022December 31, 2021
Commercial:
Business$5,508,508 $5,303,535 
Real estate – construction and land1,144,411 1,118,266 
Real estate – business3,109,668 3,058,837 
Personal Banking:
Real estate – personal2,820,076 2,805,401 
Consumer2,053,160 2,032,225 
Revolving home equity264,401 275,945 
Consumer credit card544,579 575,410 
Overdrafts14,211 6,740 
Total loans$15,459,014 $15,176,359 
CECL Model Inputs
Key model assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at March 31, 2022 and December 31, 2021 are discussed below.

Key AssumptionMarch 31, 2022December 31, 2021
Overall economic forecast
•Improving health situation supports positive economic momentum in the short term
•Projects significant monetary policy tightening to rein in inflation
•Projects continued high inflation
•Uncertainties related to supply chain issues
•Continued recovery from the Global Coronavirus Recession (GCR)
•Assumes improving health conditions
•Assumes gradual easing of supply constraints
•Continued uncertainty regarding the health crisis
•Uncertainty regarding rising inflation
Reasonable and supportable period and related reversion period
•One year for commercial and personal banking loans
•Reversion to historical average loss rates within two quarters using straight-line method
•One year for commercial and personal banking loans
•Reversion to historical average loss rates within two quarters using straight-line method
Forecasted macro-economic variables
•Unemployment rate ranging from 3.6% to 3.4% during the supportable forecast period
•Real GDP growth ranging from 2.6% to 3.7%
•Prime rate from 4.0% to 5.2%
•Unemployment rate ranging from 4.1% to 3.7% during the supportable forecast period
•Real GDP growth ranges from 5.0% to 3.4%
•Prime rate of 3.25% through the second quarter of 2022, increasing to 3.5% by the end of 2022
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 28.3% to 16.5% for most loan pools
•66.0% for consumer credit cards
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 28.0% to 16.5% for most loan pools
•64.1% for consumer credit cards
Qualitative factors
Added qualitative factors related to:
•Certain portfolios sensitive to pandemic economic uncertainties
•Changes in the composition of the loan portfolios
•Uncertainty related to unusually high rate of inflation, geopolitical environment, and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Added net reserves using qualitative processes related to:
•Loans originated in our expansion markets, loans that are designated as shared national credits, and certain portfolios sensitive to pandemic economic uncertainties
•Changes in the composition of the loan portfolios
•Loans downgraded to special mention, substandard, or non-accrual status
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments during the three months ended March 31, 2022 and 2021, respectively, follows:

For the Three Months Ended March 31, 2022
(In thousands)CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$97,776 $52,268 $150,044 
Provision for credit losses on loans(2,879)(7,807)(10,686)
Deductions:
   Loans charged off177 7,285 7,462 
   Less recoveries on loans107 2,707 2,814 
Net loan charge-offs (recoveries)70 4,578 4,648 
Balance March 31, 2022$94,827 $39,883 $134,710 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$23,271 $933 $24,204 
Provision for credit losses on unfunded lending commitments509 319 828 
Balance March 31, 2022$23,780 $1,252 $25,032 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$118,607 $41,135 $159,742 

For the Three Months Ended March 31, 2021
(In thousands)CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$121,549 $99,285 $220,834 
Provision for credit losses on loans(1,909)(8,446)(10,355)
Deductions:
   Loans charged off232 12,709 12,941 
   Less recoveries on loans215 2,774 2,989 
Net loan charge-offs17 9,935 9,952 
Balance March 31, 2021$119,623 $80,904 $200,527 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$37,259 $1,048 $38,307 
Provision for credit losses on unfunded lending commitments4,254 (131)4,123 
Balance March 31, 2021$41,513 $917 $42,430 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$161,136 $81,821 $242,957 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at March 31, 2022 and December 31, 2021.



(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
March 31, 2022
Commercial:
Business$5,494,664 $6,747 $341 $6,756 $5,508,508 
Real estate – construction and land1,144,411 — — — 1,144,411 
Real estate – business3,105,452 4,026 — 190 3,109,668 
Personal Banking:
Real estate – personal 2,811,330 5,076 2,281 1,389 2,820,076 
Consumer2,031,680 18,890 2,590 — 2,053,160 
Revolving home equity262,799 748 854 — 264,401 
Consumer credit card535,482 4,493 4,604 — 544,579 
Overdrafts13,891 320 — — 14,211 
Total $15,399,709 $40,300 $10,670 $8,335 $15,459,014 
December 31, 2021
Commercial:
Business$5,292,125 $3,621 $477 $7,312 $5,303,535 
Real estate – construction and land1,117,434 832 — — 1,118,266 
Real estate – business3,058,566 57 — 214 3,058,837 
Personal Banking:
Real estate – personal 2,796,662 4,125 2,983 1,631 2,805,401 
Consumer2,005,556 24,458 2,211 — 2,032,225 
Revolving home equity274,372 772 801 — 275,945 
Consumer credit card565,335 4,821 5,254 — 575,410 
Overdrafts6,425 315 — — 6,740 
Total $15,116,475 $39,001 $11,726 $9,157 $15,176,359 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of March 31, 2022 and December 31, 2021 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
March 31, 2022
Business
    Risk Rating:
       Pass$305,308 $1,246,520 $644,426 $533,462 $219,320 $368,615 $2,106,483 $5,424,134 
       Special mention2,622 976 83 1,315 11,452 8,138 2,806 27,392 
       Substandard2,437 1,230 1,110 7,172 4,530 10,503 23,244 50,226 
       Non-accrual302 86 — — 1,462 4,906 — 6,756 
   Total Business:$310,669 $1,248,812 $645,619 $541,949 $236,764 $392,162 $2,132,533 $5,508,508 
Real estate-construction
    Risk Rating:
       Pass$155,429 $591,643 $249,882 $53,869 $1,236 $2,800 $13,968 $1,068,827 
       Special mention— 19,474 — — 976 — — 20,450 
       Substandard— 15,486 11,600 — 14,891 13,157 — 55,134 
    Total Real estate-construction:$155,429 $626,603 $261,482 $53,869 $17,103 $15,957 $13,968 $1,144,411 
Real estate-business
    Risk Rating:
       Pass$232,411 $726,266 $687,933 $514,629 $206,324 $378,239 $83,578 $2,829,380 
       Special mention— 3,537 30,657 8,995 34,319 2,345 — 79,853 
       Substandard589 15,589 62,170 12,993 4,867 103,044 993 200,245 
       Non-accrual— — — — 173 17 — 190 
   Total Real estate-business:$233,000 $745,392 $780,760 $536,617 $245,683 $483,645 $84,571 $3,109,668 
Commercial loans
    Risk Rating:
       Pass$693,148 $2,564,429 $1,582,241 $1,101,960 $426,880 $749,654 $2,204,029 $9,322,341 
       Special mention2,622 23,987 30,740 10,310 46,747 10,483 2,806 127,695 
       Substandard3,026 32,305 74,880 20,165 24,288 126,704 24,237 305,605 
       Non-accrual302 86 — — 1,635 4,923 — 6,946 
   Total Commercial loans:$699,098 $2,620,807 $1,687,861 $1,132,435 $499,550 $891,764 $2,231,072 $9,762,587 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2021
Business
    Risk Rating:
       Pass$1,473,869 $704,157 $554,759 $248,739 $159,238 $270,454 $1,795,073 $5,206,289 
       Special mention1,785 126 17,576 12,050 1,490 3,232 16,545 52,804 
       Substandard836 1,191 8,855 4,936 1 10,775 10,536 37,130 
       Non-accrual430 — 1 1,549 — 5,332 — 7,312 
   Total Business:$1,476,920 $705,474 $581,191 $267,274 $160,729 $289,793 $1,822,154 $5,303,535 
Real estate-construction
    Risk Rating:
       Pass$598,734 $346,507 $66,985 $2,110 $2,655 $2,252 $13,230 $1,032,473 
       Special mention44,649 — — 985 — — — 45,634 
       Substandard485 11,620 — 14,896 13,158 — — 40,159 
    Total Real estate-construction:$643,868 $358,127 $66,985 $17,991 $15,813 $2,252 $13,230 $1,118,266 
Real estate- business
    Risk Rating:
       Pass$775,561 $712,173 $551,697 $230,138 $170,888 $254,489 $76,641 $2,771,587 
       Special mention4,011 30,322 10,500 37,576 2,068 2,103 1 86,581 
       Substandard17,079 62,939 12,930 2,326 58,934 45,265 982 200,455 
       Non-accrual— — — 189 — 25 — 214 
   Total Real-estate business:$796,651 $805,434 $575,127 $270,229 $231,890 $301,882 $77,624 $3,058,837 
Commercial loans
    Risk Rating:
       Pass$2,848,164 $1,762,837 $1,173,441 $480,987 $332,781 $527,195 $1,884,944 $9,010,349 
       Special mention50,445 30,448 28,076 50,611 3,558 5,335 16,546 185,019 
       Substandard18,400 75,750 21,785 22,158 72,093 56,040 11,518 277,744 
       Non-accrual430 — 1 1,738 — 5,357 — 7,526 
   Total Commercial loans:$2,917,439 $1,869,035 $1,223,303 $555,494 $408,432 $593,927 $1,913,008 $9,480,638 
Risk Category of Loans in Personal Banking Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of March 31, 2022 and December 31, 2021 below:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
March 31, 2022
Real estate-personal
       Current to 90 days past due$144,994 $668,179 $853,063 $328,209 $150,144 $661,855 $9,962 $2,816,406 
       Over 90 days past due— 192 962 126 114 887 — 2,281 
       Non-accrual— — — 182 107 1,100 — 1,389 
   Total Real estate-personal:$144,994 $668,371 $854,025 $328,517 $150,365 $663,842 $9,962 $2,820,076 
Consumer
       Current to 90 days past due$208,522 $504,841 $310,052 $165,881 $66,175 $102,869 $692,230 $2,050,570 
       Over 90 days past due— 283 157 243 200 444 1,263 2,590 
    Total Consumer:$208,522 $505,124 $310,209 $166,124 $66,375 $103,313 $693,493 $2,053,160 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $263,547 $263,547 
       Over 90 days past due— — — — — — 854 854 
   Total Revolving home equity:$— $— $— $— $— $— $264,401 $264,401 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $539,975 $539,975 
       Over 90 days past due— — — — — — 4,604 4,604 
   Total Consumer credit card:$— $— $— $— $— $— $544,579 $544,579 
Overdrafts
       Current to 90 days past due$14,211 $— $— $— $— $— $— $14,211 
    Total Overdrafts:$14,211 $— $— $— $— $— $— $14,211 
Personal banking loans
       Current to 90 days past due$367,727 $1,173,020 $1,163,115 $494,090 $216,319 $764,724 $1,505,714 $5,684,709 
       Over 90 days past due— 475 1,119 369 314 1,331 6,721 10,329 
       Non-accrual— — — 182 107 1,100 — 1,389 
   Total Personal banking loans:$367,727 $1,173,495 $1,164,234 $494,641 $216,740 $767,155 $1,512,435 $5,696,427 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2021
Real estate-personal
       Current to 90 days past due$690,058 $888,631 $354,292 $157,485 $149,391 $551,460 $9,470 $2,800,787 
       Over 90 days past due133 1,150 298 124 97 1,181 — 2,983 
       Non-accrual115 — 251 109 — 1,156 — 1,631 
   Total Real estate-personal:$690,306 $889,781 $354,841 $157,718 $149,488 $553,797 $9,470 $2,805,401 
Consumer
       Current to 90 days past due$571,455 $348,774 $192,076 $79,887 $47,401 $78,088 $712,333 $2,030,014 
       Over 90 days past due283 335 257 250 74 351 661 2,211 
    Total Consumer:$571,738 $349,109 $192,333 $80,137 $47,475 $78,439 $712,994 $2,032,225 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $275,144 $275,144 
       Over 90 days past due— — — — — — 801 801 
   Total Revolving home equity:$— $— $— $— $— $— $275,945 $275,945 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $570,156 $570,156 
       Over 90 days past due— — — — — — 5,254 5,254 
   Total Consumer credit card:$— $— $— $— $— $— $575,410 $575,410 
Overdrafts
       Current to 90 days past due$6,740 $— $— $— $— $— $— $6,740 
    Total Overdrafts:$6,740 $— $— $— $— $— $— $6,740 
Personal banking loans
       Current to 90 days past due$1,268,253 $1,237,405 $546,368 $237,372 $196,792 $629,548 $1,567,103 $5,682,841 
       Over 90 days past due416 1,485 555 374 171 1,532 6,716 11,249 
       Non-accrual115 — 251 109 — 1,156 — 1,631 
   Total Personal banking loans:$1,268,784 $1,238,890 $547,174 $237,855 $196,963 $632,236 $1,573,819 $5,695,721 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2022 and December 31, 2021.
(In thousands)Business AssetsOil & Gas AssetsTotal
March 31, 2022
Commercial:
  Business$1,498 $2,401 $3,899 
Total$1,498 $2,401 $3,899 
December 31, 2021
Commercial:
Business$1,604 $2,459 $4,063 
Total$1,604 $2,459 $4,063 
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances Outstanding For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at March 31, 2022 and December 31, 2021 by FICO score.
   Personal Banking Loans
% of Loan Category
Real Estate - PersonalConsumerRevolving Home EquityConsumer Credit Card
March 31, 2022
FICO score:
Under 600.9 %1.9 %0.9 %3.4 %
600 - 6592.5 3.9 2.6 11.3 
660 - 7197.2 13.5 10.1 31.0 
720 - 77926.6 24.9 21.7 28.0 
780 and over62.8 55.8 64.7 26.3 
Total100.0 %100.0 %100.0 %100.0 %
December 31, 2021
FICO score:
Under 6001.0 %1.9 %0.9 %3.4 %
600 - 6592.4 3.9 2.6 11.3 
660 - 7197.4 13.8 9.4 29.9 
720 - 77925.2 25.3 20.4 28.2 
780 and over64.0 55.1 66.7 27.2 
Total100.0 %100.0 %100.0 %100.0 %
Additional Information about Troubled Debt Restructurings
(In thousands)March 31, 2022December 31, 2021
Accruing restructured loans:
Commercial
$108,789 $46,867 
Assistance programs
5,865 6,146 
Other consumer
4,681 4,787 
Non-accrual loans
6,457 7,087 
Total troubled debt restructurings
$125,792 $64,887 
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings
The table below shows the balance of troubled debt restructurings by loan classification at March 31, 2022, in addition to the outstanding balances of these restructured loans which the Company considers to have been in default at any time during the past twelve months. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.

(In thousands)March 31, 2022Balance 90 days past due at any time during previous 12 months
Commercial:
Business$30,254 $— 
Real estate - construction and land10,101 — 
Real estate - business73,804 — 
Personal Banking:
Real estate - personal3,220 729 
Consumer20 — 
Revolving home equity2,637 282 
Consumer credit card5,756 518 
Total troubled debt restructurings$125,792 $1,529