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Loans And Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at September 30, 2023 and December 31, 2022 are as follows:

(In thousands)
September 30, 2023December 31, 2022
Commercial:
Business$5,908,330 $5,661,725 
Real estate – construction and land1,539,566 1,361,095 
Real estate – business3,647,168 3,406,981 
Personal Banking:
Real estate – personal3,024,639 2,918,078 
Consumer2,125,804 2,059,088 
Revolving home equity305,237 297,207 
Consumer credit card574,829 584,000 
Overdrafts3,753 14,957 
Total loans$17,129,326 $16,303,131 
CECL Model Inputs
Key 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 September 30, 2023 and June 30, 2023 are discussed below.

Key AssumptionSeptember 30, 2023June 30, 2023
Overall economic forecast
•Mild recession starting in the fourth quarter of 2023
•Risks remain tilted toward another rate hike if progress on inflation and labor markets reverse course
•Consumer spending is expected to be short lived, and growth is expected to fall
•Mild recession in the second half of 2023
•Assume the Federal Reserve will pause increasing interest rates through year end
•Mild recession is expected to weaken employment
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss within two quarters using straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss within two quarters using straight-line method
Forecasted macro-economic variables
•Unemployment rate ranges from 3.9% to 5.0% during the supportable forecast period
•Real GDP growth ranges from (.29)% to 1.5%
•BBB corporate yield from 4.8% to 5.8%
•Housing Price Index from 291.0 to 296.1
•Unemployment rate ranges from 3.9% to 5.3% during the supportable forecast period
•Real GDP growth ranges from (.27)% to 1.2%
•BBB corporate yield from 4.9% to 5.5%
•Housing Price Index from 282.1 to 284.5
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.0% to 22.8% for most loan pools
•Consumer credit cards 67.3%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 7.93% to 22.9% for most loan pools
•Consumer credit cards 67.6%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain stressed industries within the portfolio
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•Loans downgraded to special mention, substandard, or non-accrual status
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain stressed industries within the portfolio
•Certain portfolios sensitive to unusually high rate of inflation and supply chain issues
•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 and nine months ended September 30, 2023 and 2022, respectively, follows:

For the Three Months Ended September 30, 2023
For the Nine Months Ended September 30, 2023
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$108,024 $50,661 $158,685 $103,293 $46,843 $150,136 
Provision for credit losses on loans5,201 8,142 13,343 10,203 24,952 35,155 
Deductions:
   Loans charged off2,664 9,262 11,926 3,263 26,549 29,812 
   Less recoveries on loans66 2,076 2,142 394 6,371 6,765 
Net loan charge-offs (recoveries)2,598 7,186 9,784 2,869 20,178 23,047 
Balance September 30, 2023$110,627 $51,617 $162,244 $110,627 $51,617 $162,244 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$27,842 $1,393 $29,235 $31,743 $1,377 $33,120 
Provision for credit losses on unfunded lending commitments(1,724)26 (1,698)(5,625)42 (5,583)
Balance September 30, 2023$26,118 $1,419 $27,537 $26,118 $1,419 $27,537 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$136,745 $53,036 $189,781 $136,745 $53,036 $189,781 

For the Three Months Ended September 30, 2022
For the Nine Months Ended September 30, 2022
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$99,525 $38,514 $138,039 $97,776 $52,268 $150,044 
Provision for credit losses on loans4,014 6,136 10,150 5,851 900 6,751 
Deductions:
   Loans charged off509 6,721 7,230 893 20,539 21,432 
   Less recoveries on loans56 2,362 2,418 352 7,662 8,014 
Net loan charge-offs (recoveries)453 4,359 4,812 541 12,877 13,418 
Balance September 30, 2022$103,086 $40,291 $143,377 $103,086 $40,291 $143,377 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$23,617 $1,290 $24,907 $23,271 $933 $24,204 
Provision for credit losses on unfunded lending commitments5,182 (42)5,140 5,528 315 5,843 
Balance September 30, 2022$28,799 $1,248 $30,047 $28,799 $1,248 $30,047 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$131,885 $41,539 $173,424 $131,885 $41,539 $173,424 
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 September 30, 2023 and December 31, 2022.



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

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



Total
September 30, 2023
Commercial:
Business$5,899,303 $1,726 $699 $6,602 $5,908,330 
Real estate – construction and land1,539,345 221 — — 1,539,566 
Real estate – business3,646,573 519 — 76 3,647,168 
Personal Banking:
Real estate – personal 3,003,094 13,578 6,436 1,531 3,024,639 
Consumer2,095,230 28,509 2,065 — 2,125,804 
Revolving home equity300,018 2,539 2,680 — 305,237 
Consumer credit card561,534 6,595 6,700 — 574,829 
Overdrafts3,395 358 — — 3,753 
Total $17,048,492 $54,045 $18,580 $8,209 $17,129,326 
December 31, 2022
Commercial:
Business$5,652,710 $1,759 $505 $6,751 $5,661,725 
Real estate – construction and land1,361,095 — — — 1,361,095 
Real estate – business3,406,207 585 — 189 3,406,981 
Personal Banking:
Real estate – personal 2,895,742 14,289 6,681 1,366 2,918,078 
Consumer2,031,827 25,089 2,172 — 2,059,088 
Revolving home equity295,303 1,201 703 — 297,207 
Consumer credit card572,213 6,238 5,549 — 584,000 
Overdrafts14,090 647 220 — 14,957 
Total $16,229,187 $49,808 $15,830 $8,306 $16,303,131 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of September 30, 2023 and December 31, 2022 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2023
Business
    Risk Rating:
       Pass$1,277,612 $944,231 $585,620 $302,672 $281,949 $281,170 $2,101,284 $5,774,538 
       Special mention22,310 4,513 20,926 7,223 282 2,530 16,783 74,567 
       Substandard68 5,675 9,511 14,799 465 10,726 11,379 52,623 
       Non-accrual— 2,524 1,462 — — 2,616 — 6,602 
   Total Business:$1,299,990 $956,943 $617,519 $324,694 $282,696 $297,042 $2,129,446 $5,908,330 
Gross write-offs for the nine months ended September 30, 2023
$— $2,241 $56 $41 $— $— $924 $3,262 
Real estate-construction
    Risk Rating:
       Pass$344,977 $638,963 $467,912 $46,827 $469 $2,984 $29,907 $1,532,039 
       Special mention3,532 — — — — — — 3,532 
       Substandard— 3,995 — — — — — 3,995 
    Total Real estate-construction:$348,509 $642,958 $467,912 $46,827 $469 $2,984 $29,907 $1,539,566 
Gross write-offs for the nine months ended September 30, 2023
$— $— $— $— $— $— $— $— 
Real estate-business
    Risk Rating:
       Pass$610,274 $1,120,900 $515,022 $457,778 $331,537 $344,130 $71,627 $3,451,268 
       Special mention4,107 15,582 3,032 895 9,373 886 — 33,875 
       Substandard— 20,299 25,477 17,318 11,807 86,784 264 161,949 
       Non-accrual— — — — — 76 — 76 
   Total Real estate-business:$614,381 $1,156,781 $543,531 $475,991 $352,717 $431,876 $71,891 $3,647,168 
Gross write-offs for the nine months ended September 30, 2023
$— $— $— $— $— $1 $— $1 
Commercial loans
    Risk Rating:
       Pass$2,232,863 $2,704,094 $1,568,554 $807,277 $613,955 $628,284 $2,202,818 $10,757,845 
       Special mention29,949 20,095 23,958 8,118 9,655 3,416 16,783 111,974 
       Substandard68 29,969 34,988 32,117 12,272 97,510 11,643 218,567 
       Non-accrual— 2,524 1,462 — — 2,692 — 6,678 
   Total Commercial loans:$2,262,880 $2,756,682 $1,628,962 $847,512 $635,882 $731,902 $2,231,244 $11,095,064 
Gross write-offs for the nine months ended September 30, 2023
$— $2,241 $56 $41 $— $1 $924 $3,263 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Business
    Risk Rating:
       Pass$1,456,476 $782,409 $464,201 $360,844 $180,375 $219,053 $2,146,380 $5,609,738 
       Special mention3,113 2,548 7,757 1,063 67 — 1,319 15,867 
       Substandard5,752 10,004 685 37 810 10,342 1,739 29,369 
       Non-accrual195 1,987 — 1 792 3,776 — 6,751 
   Total Business:$1,465,536 $796,948 $472,643 $361,945 $182,044 $233,171 $2,149,438 $5,661,725 
Real estate-construction
    Risk Rating:
       Pass$538,022 $596,465 $129,632 $27,331 $1,305 $2,029 $18,559 $1,313,343 
       Special mention352 — — — — — — 352 
       Substandard— 19,494 — — 14,766 13,140 — 47,400 
    Total Real estate-construction:$538,374 $615,959 $129,632 $27,331 $16,071 $15,169 $18,559 $1,361,095 
Real estate- business
    Risk Rating:
       Pass$1,085,379 $616,516 $555,648 $424,641 $163,628 $271,579 $90,799 $3,208,190 
       Special mention4,608 — 618 9,737 976 279 — 16,218 
       Substandard2,795 30,944 61,141 10,490 30,782 46,232 — 182,384 
       Non-accrual14 45 — — 124 6 — 189 
   Total Real-estate business:$1,092,796 $647,505 $617,407 $444,868 $195,510 $318,096 $90,799 $3,406,981 
Commercial loans
    Risk Rating:
       Pass$3,079,877 $1,995,390 $1,149,481 $812,816 $345,308 $492,661 $2,255,738 $10,131,271 
       Special mention8,073 2,548 8,375 10,800 1,043 279 1,319 32,437 
       Substandard8,547 60,442 61,826 10,527 46,358 69,714 1,739 259,153 
       Non-accrual209 2,032 — 1 916 3,782 — 6,940 
   Total Commercial loans:$3,096,706 $2,060,412 $1,219,682 $834,144 $393,625 $566,436 $2,258,796 $10,429,801 
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 September 30, 2023 and December 31, 2022 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2023
Real estate-personal
       Current to 90 days past due$384,542 $462,127 $546,460 $728,286 $266,678 $619,916 $8,663 $3,016,672 
       Over 90 days past due49 1,299 1,499 1,071 — 2,518 — 6,436 
       Non-accrual— 161 — — 160 1,210 — 1,531 
   Total Real estate-personal:$384,591 $463,587 $547,959 $729,357 $266,838 $623,644 $8,663 $3,024,639 
Gross write-offs for the nine months ended September 30, 2023
$— $18 $— $— $— $23 $— $41 
Consumer
       Current to 90 days past due$452,731 $368,897 $279,652 $143,995 $66,217 $59,466 $752,781 $2,123,739 
       Over 90 days past due293 392 200 28 66 378 708 2,065 
    Total Consumer:$453,024 $369,289 $279,852 $144,023 $66,283 $59,844 $753,489 $2,125,804 
Gross write-offs for the nine months ended September 30, 2023
$392 $1,968 $1,541 $658 $310 $297 $788 $5,954 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $302,557 $302,557 
       Over 90 days past due— — — — — — 2,680 2,680 
   Total Revolving home equity:$— $— $— $— $— $— $305,237 $305,237 
Gross write-offs for the nine months ended September 30, 2023
$— $— $— $— $— $— $11 $11 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $568,129 $568,129 
       Over 90 days past due— — — — — — 6,700 6,700 
   Total Consumer credit card:$— $— $— $— $— $— $574,829 $574,829 
Gross write-offs for the nine months ended September 30, 2023
$— $— $— $— $— $— $17,602 $17,602 
Overdrafts
       Current to 90 days past due$3,753 $— $— $— $— $— $— $3,753 
    Total Overdrafts:$3,753 $— $— $— $— $— $— $3,753 
Gross write-offs for the nine months ended September 30, 2023
$2,941 $— $— $— $— $— $— $2,941 
Personal banking loans
       Current to 90 days past due$841,026 $831,024 $826,112 $872,281 $332,895 $679,382 $1,632,130 $6,014,850 
       Over 90 days past due342 1,691 1,699 1,099 66 2,896 10,088 17,881 
       Non-accrual— 161 — — 160 1,210 — 1,531 
   Total Personal banking loans:$841,368 $832,876 $827,811 $873,380 $333,121 $683,488 $1,642,218 $6,034,262 
Gross write-offs for the nine months ended September 30, 2023
$3,333 $1,986 $1,541 $658 $310 $320 $18,401 $26,549 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2022
Real estate-personal
       Current to 90 days past due$535,283 $589,658 $783,651 $290,580 $132,305 $568,380 $10,174 $2,910,031 
       Over 90 days past due514 967 1,338 81 1,388 2,393 — 6,681 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Real estate-personal:$535,797 $590,625 $785,041 $290,830 $133,795 $571,816 $10,174 $2,918,078 
Consumer
       Current to 90 days past due$536,429 $378,118 $205,849 $106,733 $36,096 $62,255 $731,436 $2,056,916 
       Over 90 days past due326 251 203 58 267 228 839 2,172 
    Total Consumer:$536,755 $378,369 $206,052 $106,791 $36,363 $62,483 $732,275 $2,059,088 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $296,504 $296,504 
       Over 90 days past due— — — — — — 703 703 
   Total Revolving home equity:$— $— $— $— $— $— $297,207 $297,207 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $578,451 $578,451 
       Over 90 days past due— — — — — — 5,549 5,549 
   Total Consumer credit card:$— $— $— $— $— $— $584,000 $584,000 
Overdrafts
       Current to 90 days past due$14,737 $— $— $— $— $— $— $14,737 
       Over 90 days past due220 — — — — — — 220 
    Total Overdrafts:$14,957 $— $— $— $— $— $— $14,957 
Personal banking loans
       Current to 90 days past due$1,086,449 $967,776 $989,500 $397,313 $168,401 $630,635 $1,616,565 $5,856,639 
       Over 90 days past due1,060 1,218 1,541 139 1,655 2,621 7,091 15,325 
       Non-accrual— — 52 169 102 1,043 — 1,366 
   Total Personal banking loans:$1,087,509 $968,994 $991,093 $397,621 $170,158 $634,299 $1,623,656 $5,873,330 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2023 and December 31, 2022.
(In thousands)Business AssetsOil & Gas AssetsTotal
September 30, 2023
Commercial:
  Business$3,792 $1,345 $5,137 
Total$3,792 $1,345 $5,137 
December 31, 2022
Commercial:
Business$2,778 $1,824 $4,602 
Total$2,778 $1,824 $4,602 
Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances by FICO Score For the remainder of loans in the Personal Banking portfolio, the table below shows the percentage of balances outstanding at September 30, 2023 and December 31, 2022 by FICO score.
   Personal Banking Loans
% of Loan Category
Real Estate - PersonalConsumerRevolving Home EquityConsumer Credit Card
September 30, 2023
FICO score:
Under 6001.8 %2.8 %1.8 %4.4 %
600 - 6592.3 4.6 3.3 12.1 
660 - 7198.3 13.1 9.7 29.5 
720 - 77922.2 26.2 23.2 27.6 
780 and over65.4 53.3 62.0 26.4 
Total100.0 %100.0 %100.0 %100.0 %
December 31, 2022
FICO score:
Under 6001.4 %2.2 %1.5 %3.4 %
600 - 6592.2 4.2 2.8 11.4 
660 - 7198.1 14.5 9.7 30.8 
720 - 77923.7 26.7 21.4 27.1 
780 and over64.6 52.4 64.6 27.3 
Total100.0 %100.0 %100.0 %100.0 %
Additional Information about Troubled Debt Restructurings
(In thousands)December 31, 2022
Accruing restructured loans:
Commercial
$184,388 
Assistance programs
5,156 
Other consumer
4,049 
Non-accrual loans
5,078 
Total troubled debt restructurings
$198,671 
Financing receivable, financial impacts of loan modifications and payment deferrals
The following tables summarize the financial impact of loan modifications and payment deferrals during the three and nine months ended September 30, 2023.

Term Extension
Three Months Ended September 30, 2023Nine Months Ended September 30, 2023
Commercial:
Business
Extended maturity by a weighted average of 3 months.
Extended maturity by a weighted average of 8 months.
Real estate – business
Extended maturity by a weighted average of 12 months.
Extended maturity by a weighted average of 13 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 6 months.
Extended maturity by a weighted average of 7 months.
Consumer
Extended maturity by 10 years.


Payment Delay
Three Months Ended September 30, 2023Nine Months Ended September 30, 2023
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 22 years.
Deferred certain payments by a weighted average of 20 years.
Consumer
Deferred certain payments by a weighted average of 71 months.


Interest Rate Reduction
Three Months Ended September 30, 2023Nine Months Ended September 30, 2023
Personal Banking:
ConsumerReduced contractual interest from weighted average 21% to 6%.Reduced contractual interest from weighted average 21% to 6%.
Consumer credit cardReduced contractual interest from weighted average 21% to 6%.Reduced contractual interest from weighted average 21% to 6%.


Forgiveness of Interest/Fees
Three Months Ended September 30, 2023Nine Months Ended September 30, 2023
Personal Banking:
Consumer credit cardApproximately $5 thousand of interest and fees forgiven.Approximately $33 thousand of interest and fees forgiven.
Outstanding Balance Of Loans Classified As Troubled Debt Restructurings
The following tables present the amortized cost at September 30, 2023 of loans that were modified during the three and nine months ended September 30, 2023.

For the Three Months Ended September 30, 2023



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
September 30, 2023
Commercial:
Business$3,792 $— $— $— $— $3,792 0.1 %
Real estate – business56,552 — — — — 56,552 1.6 
Personal Banking:
Real estate – personal 45 773 — — — 818 — 
Consumer— — 49 — 31 80 — 
Consumer credit card— — 935 72 — 1,007 0.2 
Total $60,389 $773 $984 $72 $31 $62,249 0.4 %

For the Nine Months Ended September 30, 2023



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees Forgiven
Other
Total% of Total Loan Category
September 30, 2023
Commercial:
Business$16,705 $— $— $— $— $16,705 0.3 %
Real estate – business106,034 — — — — 106,034 2.9 
Personal Banking:
Real estate – personal 289 3,313 — — — 3,602 0.1 
Consumer30 70 69 — 86 255 — 
Consumer credit card— — 1,967 485 — 2,452 0.4 
Total $123,058 $3,383 $2,036 $485 $86 $129,048 0.8 %
Financing Receivable, Modified, Past Due
The following table presents the amortized cost basis at September 30, 2023 of loans that have been modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through September 30, 2023.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2023
Commercial:
Business$16,705 $— $— $16,705 
Real estate – business106,034 — — 106,034 
Personal Banking:
Real estate – personal 2,203 597 802 3,602 
Consumer209 27 19 255 
Consumer credit card1,534 526 392 2,452 
Total $126,685 $1,150 $1,213 $129,048 
Financing Receivable, Modified, Subsequent Default The following table provides the amortized cost basis of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2023 and were modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through September 30, 2023. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal. In addition to the loans below, the Company charged off $2.2 million and $327 thousand of business and consumer credit card loans, respectively, during the nine months ended September 30, 2023 that were modified during the period.
For the Three Months Ended September 30, 2023For the Nine Months Ended September 30, 2023


(Dollars in thousands)
Payment DelayInterest Rate ReductionInterest/Fees ForgivenTotalPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2023
Personal Banking:
Real estate – personal $802 $— $— $802 $1,007 $— $— $1,007 
Consumer— 19 — 19 — 30 — 30 
Consumer credit card— 235 157 392 — 274 158 432 
Total $802 $254 $157 $1,213 $1,007 $304 $158 $1,469 
Financing Receivable, Troubled Debt Restructuring
The table below shows the balance of troubled debt restructurings by loan classification at December 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)December 31, 2022Balance at December 31, 2022 that was 90 days past due at any time during previous 12 months
Commercial:
Business$12,311 $— 
Real estate - construction and land57,547 — 
Real estate - business118,654 — 
Personal Banking:
Real estate - personal2,809 419 
Consumer2,250 268 
Revolving home equity17 — 
Consumer credit card5,083 452 
Total troubled debt restructurings$198,671 $1,139