Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2017

Allowance for Loan and Lease Losses

Schedule of components of allowance for loan and lease losses

	Three Months Ended March 31, 2017
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Charge-offs		(855)		—		—		—		(22)		(5,572)		—		(6,449)
Recoveries		114		77		—		—		321		1,790		—		2,302
Increase (decrease) in Provision		(831)		1,407		19		(34)		(194)		2,850		1,283		4,500
Balance at end of period	$	31,557	$	19,932	$	4,532	$	813	$	43,541	$	27,456	$	8,016	$	135,847

	Three Months Ended March 31, 2016
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Balance at beginning of period	$	34,025	$	18,489	$	3,793	$	888	$	46,099	$	28,385	$	3,805	$	135,484
Charge-offs		(86)		—		—		—		(72)		(4,206)		—		(4,364)
Recoveries		203		3,199		—		—		306		1,626		—		5,334
Increase (decrease) in Provision		885		(3,184)		721		(81)		(695)		2,118		936		700
Balance at end of period	$	35,027	$	18,504	$	4,514	$	807	$	45,638	$	27,923	$	4,741	$	137,154

Schedule of disaggregation of Allowance and recorded investment in loans by impairment methodology

	March 31, 2017
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Individually evaluated for impairment	$	213	$	7	$	—	$	—	$	677	$	—	$	—	$	897
Collectively evaluated for impairment		31,344		19,925		4,532		813		42,864		27,456		8,016		134,950
Balance at end of period	$	31,557	$	19,932	$	4,532	$	813	$	43,541	$	27,456	$	8,016	$	135,847
Loans and leases:
Individually evaluated for impairment	$	28,244	$	12,316	$	—	$	153	$	17,375	$	—	$	—	$	58,088
Collectively evaluated for impairment		3,215,264		2,519,937		469,741		168,203		3,847,134		1,503,129		—		11,723,408
Balance at end of period	$	3,243,508	$	2,532,253	$	469,741	$	168,356	$	3,864,509	$	1,503,129	$	—	$	11,781,496

	December 31, 2016
	Commercial Lending
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Residential		Consumer		Unallocated		Total
Allowance for loan and lease losses:
Individually evaluated for impairment	$	380	$	7	$	—	$	—	$	705	$	—	$	—	$	1,092
Collectively evaluated for impairment		32,749		18,441		4,513		847		42,731		28,388		6,733		134,402
Balance at end of period	$	33,129	$	18,448	$	4,513	$	847	$	43,436	$	28,388	$	6,733	$	135,494
Loans and leases:
Individually evaluated for impairment	$	27,572	$	12,545	$	—	$	153	$	19,158	$	—	$	—	$	59,428
Collectively evaluated for impairment		3,212,028		2,330,950		450,012		179,887		3,777,301		1,510,772		—		11,460,950
Balance at end of period	$	3,239,600	$	2,343,495	$	450,012	$	180,040	$	3,796,459	$	1,510,772	$	—	$	11,520,378

Schedule of credit risk profiles by internally assigned grade for loans and leases

	March 31, 2017
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,135,208	$	2,492,073	$	464,394	$	167,142	$	6,258,817
Special mention		88,315		18,938		4,273		819		112,345
Substandard		18,565		21,242		1,074		242		41,123
Doubtful		1,420		—		—		153		1,573
Total	$	3,243,508	$	2,532,253	$	469,741	$	168,356	$	6,413,858

	December 31, 2016
	Commercial		Commercial
	and		Real				Lease
(dollars in thousands)	Industrial		Estate		Construction		Financing		Total
Grade:
Pass	$	3,166,304	$	2,298,839	$	445,149	$	179,345	$	6,089,637
Special mention		41,719		23,859		3,789		368		69,735
Substandard		29,811		20,797		1,074		174		51,856
Doubtful		1,766		—		—		153		1,919
Total	$	3,239,600	$	2,343,495	$	450,012	$	180,040	$	6,213,147

Schedule of credit risk profiles based on payment activity for loans and leases

	March 31, 2017
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,852,789	$	235,539	$	930,683	$	318,412	$	5,337,423
Nonperforming and delinquent		11,720		3,257		11,719		3,519		30,215
Total	$	3,864,509	$	238,796	$	942,402	$	321,931	$	5,367,638

	December 31, 2016
(dollars in thousands)	Residential		Consumer		Consumer - Auto		Credit Cards		Total
Performing	$	3,778,070	$	240,185	$	906,829	$	340,801	$	5,265,885
Nonperforming and delinquent		18,389		3,327		15,927		3,703		41,346
Total	$	3,796,459	$	243,512	$	922,756	$	344,504	$	5,307,231

Schedule of aging analyses of past due loans and leases

	March 31, 2017
	Accruing Loans and Leases
					Greater								Total Non
					Than or						Total		Accruing
	30-59		60-89		Equal to		Total				Accruing		Loans
	Days		Days		90 Days		Past				Loans and		and		Total
(dollars in thousands)	Past Due		Past Due		Past Due		Due		Current		Leases		Leases		Outstanding
Commercial and industrial	$	1,150	$	1,322	$	309	$	2,781	$	3,238,573	$	3,241,354	$	2,154	$	3,243,508
Commercial real estate		4,675		—		—		4,675		2,527,578		2,532,253		—		2,532,253
Construction		235		352		—		587		469,154		469,741		—		469,741
Lease financing		—		—		84		84		168,119		168,203		153		168,356
Residential		3,912		1,348		1,437		6,697		3,852,789		3,859,486		5,023		3,864,509
Consumer		13,423		3,354		1,718		18,495		1,484,634		1,503,129		—		1,503,129
Total	$	23,395	$	6,376	$	3,548	$	33,319	$	11,740,847	$	11,774,166	$	7,330	$	11,781,496

	December 31, 2016
	Accruing Loans and Leases
					Greater								Total Non
					Than or						Total		Accruing
	30-59		60-89		Equal to		Total				Accruing		Loans
	Days		Days		90 Days		Past				Loans and		and		Total
(dollars in thousands)	Past Due		Past Due		Past Due		Due		Current		Leases		Leases		Outstanding
Commercial and industrial	$	720	$	163	$	449	$	1,332	$	3,235,538	$	3,236,870	$	2,730	$	3,239,600
Commercial real estate		475		—		—		475		2,343,020		2,343,495		—		2,343,495
Construction		—		—		—		—		450,012		450,012		—		450,012
Lease financing		—		—		83		83		179,804		179,887		153		180,040
Residential		9,907		1,069		866		11,842		3,778,070		3,789,912		6,547		3,796,459
Consumer		17,626		3,460		1,870		22,956		1,487,816		1,510,772		—		1,510,772
Total	$	28,728	$	4,692	$	3,268	$	36,688	$	11,474,260	$	11,510,948	$	9,430	$	11,520,378

Schedule of total carrying amounts and total unpaid principal balances of impaired loans and leases

	March 31, 2017
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	21,006	$	21,720	$	—
Commercial real estate		11,383		11,383		—
Lease financing		153		153		—
Residential		8,074		8,682		—
Total	$	40,616	$	41,938	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	7,238	$	7,238	$	213
Commercial real estate		933		933		7
Residential		9,301		9,582		677
Total	$	17,472	$	17,753	$	897
Total impaired loans:
Commercial and industrial	$	28,244	$	28,958	$	213
Commercial real estate		12,316		12,316		7
Lease financing		153		153		—
Residential		17,375		18,264		677
Total	$	58,088	$	59,691	$	897

	December 31, 2016
			Unpaid
	Recorded		Principal		Related
(dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial and industrial	$	22,404	$	22,608	$	—
Commercial real estate		11,598		11,598		—
Lease financing		153		153		—
Residential		9,608		10,628		—
Total	$	43,763	$	44,987	$	—
Impaired loans with a related allowance recorded:
Commercial and industrial	$	5,168	$	5,624	$	380
Commercial real estate		947		947		7
Residential		9,550		9,831		705
Total	$	15,665	$	16,402	$	1,092
Total impaired loans:
Commercial and industrial	$	27,572	$	28,232	$	380
Commercial real estate		12,545		12,545		7
Lease financing		153		153		—
Residential		19,158		20,459		705
Total	$	59,428	$	61,389	$	1,092

Schedule of average balances, and of interest income recognized from, impaired loans

	Three Months Ended
	March 31, 2017
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	21,705	$	229
Commercial real estate		11,491		129
Lease financing		153		—
Residential		8,841		136
Total	$	42,190	$	494
Impaired loans with a related allowance recorded:
Commercial and industrial	$	6,203	$	47
Commercial real estate		940		11
Residential		9,426		94
Total	$	16,569	$	152
Total impaired loans:
Commercial and industrial	$	27,908	$	276
Commercial real estate		12,431		140
Lease financing		153		—
Residential		18,267		230
Total	$	58,759	$	646

	Three Months Ended
	March 31, 2016
	Average		Interest
	Recorded		Income
(dollars in thousands)	Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial and industrial	$	23,971	$	313
Commercial real estate		5,711		144
Construction		283		8
Lease financing		180		—
Residential		13,706		131
Total	$	43,851	$	596
Impaired loans with a related allowance recorded:
Residential	$	8,883	$	91
Total	$	8,883	$	91
Total impaired loans:
Commercial and industrial	$	23,971	$	313
Commercial real estate		5,711		144
Construction		283		8
Lease financing		180		—
Residential		22,589		222
Total	$	52,734	$	687

Schedule of information related to loans modified in a TDR

	Three Months Ended					Three Months Ended
	March 31, 2017					March 31, 2016
	Number					Number
	of	Recorded		Related		of	Recorded		Related
(dollars in thousands)	Contracts	Investment(1)		Allowance		Contracts	Investment(1)		Allowance
Commercial and industrial	1	$	1,210	$	—	3	$	17,305	$	—
Residential	1		353		11	—		—		—
Total	2	$	1,563	$	11	3	$	17,305	$	—

⁽¹⁾ The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of TDRs that defaulted in period within 12 months of their permanent modification date

	Three Months Ended			Three Months Ended
	March 31, 2017			March 31, 2016
	Number of	Recorded		Number of	Recorded
(dollars inthousands)	Contracts	Investment(1)		Contracts	Investment(1)
Commercial real estate (2)	1	$	1,395	1	$	1,400
Residential (3)	1		510	—		—
Total	2	$	1,905	1	$	1,400

(1) The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.

(2) For the three months ended March 31, 2017 and 2016, the commercial real estate loan that subsequently defaulted was refinanced.

(3) For the three months ended March 31, 2017, the residential real estate loan that subsequently defaulted was modified for interest-only payments.