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Loans (Tables)
 12 Months Ended
Dec. 31, 2019
Receivables [Abstract]  
Schedule of Loans by Portfolio Segment
The following table provides the balance of loans, net of unearned income, by portfolio segment as of December 31, 2019 and 2018:
 
 
December 31
(Dollars in thousands)
 
2019
 
2018
Commercial: (a)
 
 
 
 
Commercial, financial, and industrial
 
$
20,051,091

 
$
16,514,328

Commercial real estate
 
4,337,017

 
4,030,870

Consumer:
 
 
 
 
Consumer real estate (b)
 
6,006,749

 
6,249,516

Permanent mortgage
 
170,390

 
222,448

Credit card & other
 
495,864

 
518,370

Loans, net of unearned income
 
$
31,061,111

 
$
27,535,532

Allowance for loan losses
 
200,307

 
180,424

Total net loans
 
$
30,860,804

 
$
27,355,108


(a)
In third quarter 2019, FHN corrected a previous mis-classification of commercial loans and reclassified approximately $410 million of market investor CRE loans from the C&I portfolio to the CRE portfolio. These loans were identified during an internal review and assessment by management of certain loan populations, a portion of which relate to loans acquired as part of the Capital Bank merger. The reclassification of these loan balances between regional banking portfolios did not have an impact on FHN’s consolidated period-end or average balance sheet and had an immaterial effect on the allowance for loan losses. No adjustments were made to prior periods as the impact of the reclassification, including the effect on the allowance for loan losses was deemed to be immaterial in all periods.
(b)
Balance as of December 31, 2018 includes $16.2 million of restricted real estate loans. See Note 21—Variable Interest Entities for additional information.
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement Schedule Rollforward
The following table presents a rollforward of the accretable yield for the year ended December 31, 2019 and 2018:
 
 
Year Ended December 31
(Dollars in thousands)
 
2019
 
2018
Balance, beginning of period
 
$
13,375

 
$
15,623

Accretion
 
(5,792
)
 
(9,467
)
Adjustment for payoffs
 
(2,438
)
 
(3,896
)
Adjustment for charge-offs
 
(479
)
 
(1,115
)
Adjustment for pool excess recovery (a)
 
—

 
(123
)
Increase in accretable yield (b)
 
5,513

 
12,791

Disposals
 
(4
)
 
(240
)
Other
 
(367
)
 
(198
)
Balance, end of period
 
$
9,808

 
$
13,375

 
(a)
Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.
(b)
Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows.
Schedule of Acquired Purchase Credit Impaired Loans by Portfolio Segment
The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of December 31, 2019 and 2018:
 
 
December 31, 2019
 
December 31, 2018
(Dollars in thousands)
 
Carrying value
 
Unpaid balance
 
Carrying value
 
Unpaid balance
Commercial, financial and industrial
 
$
24,973

 
$
25,938

 
$
38,873

 
$
44,259

Commercial real estate
 
5,078

 
5,466

 
15,197

 
17,232

Consumer real estate
 
23,681

 
26,245

 
30,723

 
34,820

Credit card and other
 
489

 
567

 
1,627

 
1,879

Total
 
$
54,221

 
$
58,216

 
$
86,420

 
$
98,190
Information by Class Related to Individually Impaired Loans
The following tables provide information at December 31, 2019 and 2018, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPS valuation allowance have been excluded.
 
 
December 31, 2019
(Dollars in thousands)
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average Recorded
Investment
 
Interest
Income
Recognized
Impaired loans with no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
General C&I
 
$
52,672

 
$
63,602

 
$
—

 
$
61,382

 
$
690

Loans to mortgage companies
 
—

 
—

 
—

 
9,314

 
—

Income CRE
 
1,563

 
1,563

 
—

 
1,620

 
33

Total
 
$
54,235

 
$
65,165

 
$
—

 
$
72,316

 
$
723

Consumer:
 
 
 
 
 
 
 
 
 
 
HELOC (a)
 
$
4,940

 
$
10,438

 
$
—

 
$
6,582

 
$
—

R/E installment loans (a)
 
5,329

 
6,105

 
—

 
5,335

 
—

Permanent mortgage (a)
 
2,264

 
3,949

 
—

 
3,017

 
—

Total
 
$
12,533

 
$
20,492

 
$
—

 
$
14,934

 
$
—

Impaired loans with related allowance recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
General C&I
 
$
29,766

 
$
31,536

 
$
6,196

 
$
14,328

 
$
4

TRUPS
 
—

 
—

 
—

 
2,445

 
—

Income CRE
 
—

 
—

 
—

 
221

 
9

Total
 
$
29,766

 
$
31,536

 
$
6,196

 
$
16,994

 
$
13

Consumer:
 
 
 
 
 
 
 
 
 
 
HELOC
 
$
55,522

 
$
59,122

 
$
7,016

 
$
61,294

 
$
1,868

R/E installment loans
 
34,862

 
35,780

 
4,521

 
40,181

 
1,016

Permanent mortgage
 
59,329

 
68,341

 
7,761

 
63,630

 
2,149

Credit card & other
 
653

 
653

 
422

 
694

 
18

Total
 
$
150,366

 
$
163,896

 
$
19,720

 
$
165,799

 
$
5,051

Total commercial
 
$
84,001

 
$
96,701

 
$
6,196

 
$
89,310

 
$
736

Total consumer
 
$
162,899

 
$
184,388

 
$
19,720

 
$
180,733

 
$
5,051

Total impaired loans
 
$
246,900

 
$
281,089

 
$
25,916

 
$
270,043

 
$
5,787

(a)
All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
 
 
December 31, 2018
(Dollars in thousands)
 
Recorded
Investment
 
Unpaid
Principal
Balance
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
Impaired loans with no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
     General C&I
 
$
42,902

 
$
45,387

 
$
—

 
$
24,186

 
$
757

     Income CRE
 
1,589

 
1,589

 
—

 
1,434

 
51

     Residential CRE
 
—

 
—

 
—

 
374

 
—

     Total
 
$
44,491

 
$
46,976

 
$
—

 
$
25,994

 
$
808

Consumer:
 
 
 
 
 
 
 
 
 
 
     HELOC (a)
 
$
8,645

 
$
16,648

 
$
—

 
$
8,723

 
$
—

     R/E installment loans (a)
 
4,314

 
4,796

 
—

 
4,300

 
—

     Permanent mortgage (a)
 
3,601

 
6,003

 
—

 
4,392

 
—

     Total
 
$
16,560

 
$
27,447

 
$
—

 
$
17,415

 
$
—

Impaired loans with related allowance recorded:
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
     General C&I
 
$
2,802

 
$
2,802

 
$
149

 
$
16,011

 
$
—

     TRUPS
 
2,888

 
3,700

 
925

 
2,981

 
—

     Income CRE
 
377

 
377

 
—

 
348

 
10

     Residential CRE
 
—

 
—

 
—

 
99

 
—

     Total
 
$
6,067

 
$
6,879

 
$
1,074

 
$
19,439

 
$
10

Consumer:
 
 
 
 
 
 
 
 
 
 
     HELOC
 
$
66,482

 
$
69,610

 
$
11,241

 
$
69,535

 
$
2,273

     R/E installment loans
 
38,993

 
39,851

 
6,743

 
40,118

 
1,024

     Permanent mortgage
 
67,245

 
78,010

 
9,419

 
73,259

 
2,290

     Credit card & other
 
695

 
695

 
337

 
626

 
14

     Total
 
$
173,415

 
$
188,166

 
$
27,740

 
$
183,538

 
$
5,601

Total commercial
 
$
50,558

 
$
53,855

 
$
1,074

 
$
45,433

 
$
818

Total consumer
 
$
189,975

 
$
215,613

 
$
27,740

 
$
200,953

 
$
5,601

Total impaired loans
 
$
240,533

 
$
269,468

 
$
28,814

 
$
246,386

 
$
6,419



(a)
All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
Balances of Commercial Loan Portfolio Classes, Disaggregated by PD Grade
The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of December 31, 2019 and 2018:
 
 
December 31, 2019
(Dollars in thousands)
 
General
C&I
 
Loans to
Mortgage
Companies
 
TRUPS (a)
 
Income
CRE
 
Residential
CRE
 
Total
 
Percentage
of Total
 
Allowance
for Loan
Losses
PD Grade:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1
 
$
696,040

 
$
—

 
$
—

 
$
1,848

 
$
—

 
$
697,888

 
3
%
 
$
69

2
 
767,048

 
—

 
—

 
48,906

 
38

 
815,992

 
4

 
165

3
 
743,123

 
877,210

 
3,314

 
474,067

 
806

 
2,098,520

 
9

 
274

4
 
1,237,772

 
692,971

 
46,375

 
680,223

 
477

 
2,657,818

 
11

 
738

5
 
1,986,761

 
670,402

 
72,512

 
993,628

 
1,700

 
3,725,003

 
15

 
8,265

6
 
2,511,290

 
1,410,387

 
27,263

 
717,062

 
17,027

 
4,683,029

 
19

 
12,054

7
 
2,708,707

 
509,616

 
18,378

 
641,345

 
30,925

 
3,908,971

 
16

 
20,409

8
 
1,743,364

 
136,771

 
—

 
269,407

 
16,699

 
2,166,241

 
9

 
22,514

9
 
1,101,873

 
77,139

 
31,909

 
169,586

 
13,007

 
1,393,514

 
6

 
17,484

10
 
563,635

 
21,229

 
18,536

 
59,592

 
2,153

 
665,145

 
3

 
10,197

11
 
495,140

 
—

 
—

 
81,682

 
2,302

 
579,124

 
2

 
13,454

12
 
262,906

 
15,158

 
—

 
28,807

 
1,074

 
307,945

 
1

 
8,471

13
 
232,823

 
—

 
—

 
32,966

 
1,126

 
266,915

 
1

 
8,142

14,15,16
 
263,076

 
—

 
—

 
43,400

 
626

 
307,102

 
1

 
29,318

Collectively evaluated for impairment
 
15,313,558

 
4,410,883

 
218,287

 
4,242,519

 
87,960

 
24,273,207

 
100

 
151,554

Individually evaluated for impairment
 
82,438

 
—

 
—

 
1,563

 
—

 
84,001

 
—

 
6,196

Purchased credit-impaired loans
 
25,925

 
—

 
—

 
4,155

 
820

 
30,900

 
—

 
848

Total commercial loans
 
$
15,421,921

 
$
4,410,883

 
$
218,287

 
$
4,248,237

 
$
88,780

 
$
24,388,108

 
100
%
 
$
158,598

(a)
Balances presented net of a $19.1 million valuation allowance.

 
 
 
December 31, 2018
(Dollars in thousands)
 
General C&I
 
Loans to
Mortgage
Companies
 
TRUPS (a)
 
Income
CRE
 
Residential
CRE
 
Total
 
Percentage
of Total
 
Allowance
for Loan
Losses
PD Grade:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1
 
$
610,177

 
$
—

 
$
—

 
$
12,586

 
$
—

 
$
622,763

 
3
%
 
$
100

2
 
835,776

 
—

 
—

 
1,688

 
29

 
837,493

 
4

 
274

3
 
782,362

 
716,971

 
—

 
289,594

 
147

 
1,789,074

 
9

 
315

4
 
1,223,092

 
394,862

 
43,220

 
563,243

 
—

 
2,224,417

 
11

 
686

5
 
1,920,034

 
277,814

 
77,751

 
798,509

 
14,150

 
3,088,258

 
15

 
8,919

6
 
1,722,136

 
365,341

 
45,609

 
657,628

 
33,759

 
2,824,473

 
14

 
8,141

7
 
2,690,784

 
96,603

 
11,446

 
538,909

 
26,135

 
3,363,877

 
16

 
16,906

8
 
1,337,113

 
53,224

 
—

 
265,901

 
20,320

 
1,676,558

 
8

 
18,545

9
 
1,472,852

 
96,292

 
45,117

 
455,184

 
29,849

 
2,099,294

 
10

 
15,454

10
 
490,795

 
13,260

 
18,536

 
60,803

 
3,911

 
587,305

 
3

 
8,675

11
 
311,967

 
—

 
—

 
66,986

 
788

 
379,741

 
2

 
7,973

12
 
244,867

 
9,379

 
—

 
82,574

 
5,717

 
342,537

 
2

 
6,972

13
 
285,987

 
—

 
5,786

 
55,408

 
251

 
347,432

 
2

 
10,094

14,15,16
 
224,853

 
—

 
—

 
28,835

 
837

 
254,525

 
1

 
23,307

Collectively evaluated for impairment
 
14,152,795

 
2,023,746

 
247,465

 
3,877,848

 
135,893

 
20,437,747

 
100

 
126,361

Individually evaluated for impairment
 
45,704

 
—

 
2,888

 
1,966

 
—

 
50,558

 
—

 
1,074

Purchased credit-impaired loans
 
41,730

 
—

 
—

 
12,730

 
2,433

 
56,893

 
—

 
2,823

Total commercial loans
 
$
14,240,229

 
$
2,023,746

 
$
250,353

 
$
3,892,544

 
$
138,326

 
$
20,545,198

 
100
%
 
$
130,258

(a)
Balances presented net of a $20.2 million valuation allowance. In 3Q18, FHN sold $55.5 million of TRUPS loans with a $5.0 million valuation allowance. Upon sale, a gain of $3.8 million was recognized in the Non-Strategic segment within Fixed Income in the Consolidated Statement of Income. An additional TRUPS loan with a principal balance of $3.0 million and a valuation of $.3 million was paid off in fourth quarter 2018.
Loans by FICO Score, Consumer
The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of December 31, 2019 and 2018:
 
 
December 31, 2019
 
December 31, 2018
 
 
HELOC
 
R/E Installment
Loans
 
Permanent
Mortgage
 
HELOC
 
R/E Installment
Loans
 
Permanent
Mortgage
FICO score 740 or greater
 
62.0
%
 
 
72.9
%
 
 
44.8
%
 
 
61.4
%
 
 
71.3
%
 
 
51.8
%
 
FICO score 720-739
 
8.6

 
 
8.3

 
 
9.7

 
 
8.5

 
 
8.8

 
 
7.6

 
FICO score 700-719
 
7.6

 
 
6.1

 
 
12.3

 
 
7.6

 
 
7.0

 
 
10.6

 
FICO score 660-699
 
10.8

 
 
7.7

 
 
16.3

 
 
10.9

 
 
7.6

 
 
14.7

 
FICO score 620-659
 
4.7

 
 
2.6

 
 
9.7

 
 
5.1

 
 
2.8

 
 
6.5

 
FICO score less than 620 (a)
 
6.3

 
 
2.4

 
 
7.2

 
 
6.5

 
 
2.5

 
 
8.8

 
Total
 
100.0
%
 
 
100.0
%
 
 
100.0
%
 
 
100.0
%
 
 
100.0
%
 
 
100.0
%
 
 
(a)
For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned.
Accruing and Non-Accruing Loans by Class
The following table reflects accruing and non-accruing loans by class on December 31, 2019:
 
 
Accruing
 
Non-Accruing
 
 
(Dollars in thousands)
 
Current
 
30-89
Days
Past Due
 
90+
Days
Past Due
 
Total
Accruing
 
Current
 
30-89
Days
Past Due
 
90+
Days
Past Due
 
Total
Non-
Accruing
 
Total
Loans
Commercial (C&I):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
General C&I
 
$
15,314,292

 
$
7,155

 
$
237

 
$
15,321,684

 
$
36,564

 
$
14,385

 
$
23,363

 
$
74,312

 
$
15,395,996

Loans to mortgage companies
 
4,410,883

 
—

 
—

 
4,410,883

 
—

 
—

 
—

 
—

 
4,410,883

TRUPS (a)
 
218,287

 
—

 
—

 
218,287

 
—

 
—

 
—

 
—

 
218,287

Purchased credit-impaired loans
 
23,840

 
287

 
1,798

 
25,925

 
—

 
—

 
—

 
—

 
25,925

Total commercial (C&I)
 
19,967,302

 
7,442

 
2,035

 
19,976,779

 
36,564

 
14,385

 
23,363

 
74,312

 
20,051,091

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Income CRE
 
4,242,044

 
679

 
—

 
4,242,723

 
—

 
19

 
1,340

 
1,359

 
4,244,082

Residential CRE
 
87,487

 
7

 
—

 
87,494

 
—

 
466

 
—

 
466

 
87,960

Purchased credit-impaired loans
 
4,752

 
128

 
95

 
4,975

 
—

 
—

 
—

 
—

 
4,975

Total commercial real estate
 
4,334,283

 
814

 
95

 
4,335,192

 
—

 
485

 
1,340

 
1,825

 
4,337,017

Consumer real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
HELOC
 
1,217,344

 
9,156

 
5,669

 
1,232,169

 
43,007

 
4,227

 
7,472

 
54,706

 
1,286,875

R/E installment loans
 
4,662,783

 
10,580

 
5,138

 
4,678,501

 
13,001

 
1,005

 
2,601

 
16,607

 
4,695,108

Purchased credit-impaired loans
 
18,720

 
2,770

 
3,276

 
24,766

 
—

 
—

 
—

 
—

 
24,766

Total consumer real estate
 
5,898,847

 
22,506

 
14,083

 
5,935,436

 
56,008

 
5,232

 
10,073

 
71,313

 
6,006,749

Permanent mortgage
 
149,663

 
2,314

 
4,032

 
156,009

 
7,709

 
71

 
6,601

 
14,381

 
170,390

Credit card & other:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit card
 
198,917

 
1,076

 
1,178

 
201,171

 
—

 
—

 
—

 
—

 
201,171

Other
 
291,700

 
1,802

 
337

 
293,839

 
101

 
44

 
189

 
334

 
294,173

Purchased credit-impaired loans
 
323

 
98

 
99

 
520

 
—

 
—

 
—

 
—

 
520

Total credit card & other
 
490,940

 
2,976

 
1,614

 
495,530

 
101

 
44

 
189

 
334

 
495,864

Total loans, net of unearned income
 
$
30,841,035

 
$
36,052

 
$
21,859

 
$
30,898,946

 
$
100,382

 
$
20,217

 
$
41,566

 
$
162,165

 
$
31,061,111


(a) TRUPS is presented net of the valuation allowance of $19.1 million.










The following table reflects accruing and non-accruing loans by class on December 31, 2018:
 
 
Accruing
 
Non-Accruing
 
 
(Dollars in thousands)
 
Current
 
30-89
Days
Past Due
 
90+
Days
Past Due
 
Total
Accruing
 
Current
 
30-89
Days
Past Due
 
90+
Days
Past Due
 
Total
Non-
Accruing
 
Total
Loans
Commercial (C&I):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
General C&I
 
$
14,153,275

 
$
8,234

 
$
102

 
$
14,161,611

 
$
26,325

 
$
5,537

 
$
5,026

 
$
36,888

 
$
14,198,499

Loans to mortgage companies
 
2,023,746

 
—

 
—

 
2,023,746

 
—

 
—

 
—

 
—

 
2,023,746

TRUPS (a)
 
247,465

 
—

 
—

 
247,465

 
—

 
—

 
2,888

 
2,888

 
250,353

Purchased credit-impaired loans
 
39,433

 
624

 
1,673

 
41,730

 
—

 
—

 
—

 
—

 
41,730

Total commercial (C&I)
 
16,463,919

 
8,858

 
1,775

 
16,474,552

 
26,325

 
5,537

 
7,914

 
39,776

 
16,514,328

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Income CRE
 
3,876,229

 
626

 
—

 
3,876,855

 
30

 
—

 
2,929

 
2,959

 
3,879,814

Residential CRE
 
135,861

 
—

 
—

 
135,861

 
32

 
—

 
—

 
32

 
135,893

Purchased credit-impaired loans
 
13,308

 
103

 
1,752

 
15,163

 
—

 
—

 
—

 
—

 
15,163

Total commercial real estate
 
4,025,398

 
729

 
1,752

 
4,027,879

 
62

 
—

 
2,929

 
2,991

 
4,030,870

Consumer real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
HELOC
 
1,443,651

 
11,653

 
10,129

 
1,465,433

 
49,009

 
3,314

 
8,781

 
61,104

 
1,526,537

R/E installment loans
 
4,652,658

 
10,470

 
6,497

 
4,669,625

 
15,146

 
1,924

 
4,474

 
21,544

 
4,691,169

Purchased credit-impaired loans
 
24,096

 
2,094

 
5,620

 
31,810

 
—

 
—

 
—

 
—

 
31,810

Total consumer real estate
 
6,120,405

 
24,217

 
22,246

 
6,166,868

 
64,155

 
5,238

 
13,255

 
82,648

 
6,249,516

Permanent mortgage
 
193,591

 
2,585

 
4,562

 
200,738

 
11,227

 
996

 
9,487

 
21,710

 
222,448

Credit card & other:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit card
 
188,009

 
2,133

 
1,203

 
191,345

 
—

 
—

 
—

 
—

 
191,345

Other
 
320,551

 
3,570

 
526

 
324,647

 
110

 
60

 
454

 
624

 
325,271

Purchased credit-impaired loans
 
746

 
611

 
397

 
1,754

 
—

 
—

 
—

 
—

 
1,754

Total credit card & other
 
509,306

 
6,314

 
2,126

 
517,746

 
110

 
60

 
454

 
624

 
518,370

Total loans, net of unearned income
 
$
27,312,619

 
$
42,703

 
$
32,461

 
$
27,387,783

 
$
101,879

 
$
11,831

 
$
34,039

 
$
147,749

 
$
27,535,532


(a) TRUPS is presented net of the valuation allowance of $20.2 million.
Schedule of Troubled Debt Restructurings Occurring During the Year
The following tables reflect portfolio loans that were classified as TDRs during the year ended December 31, 2019 and 2018:
 
 
2019
 
2018
(Dollars in thousands)
 
Number
 
Pre-Modification
Outstanding
Recorded Investment
 
Post-Modification
Outstanding
Recorded Investment
 
Number
 
Pre-Modification
Outstanding
Recorded Investment
 
Post-Modification
Outstanding
Recorded Investment
Commercial (C&I):
 
 
 
 
 
 
 
 
 
 
 
 
General C&I
 
4

 
$
14,179

 
$
14,101

 
9

 
$
27,639

 
$
27,190

     Total commercial (C&I)
 
4

 
14,179

 
14,101

 
9

 
27,639

 
27,190

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
Income CRE
 
—

 
—

 
—

 
4

 
643

 
637

     Total commercial real estate
 
—

 
—

 
—

 
4

 
643

 
637

Consumer real estate:
 
 
 
 
 
 
 
 
 
 
 
 
HELOC
 
74

 
8,028

 
7,946

 
103

 
9,406

 
9,283

R/E installment loans
 
96

 
10,408

 
10,445

 
92

 
8,077

 
7,848

     Total consumer real estate
 
170

 
18,436

 
18,391

 
195

 
17,483

 
17,131

Permanent mortgage
 
8

 
1,771

 
1,798

 
8

 
1,001

 
1,184

Credit card & other
 
85

 
379

 
358

 
132

 
604

 
570

Total troubled debt restructurings
 
267

 
$
34,765

 
$
34,648

 
348

 
$
47,370

 
$
46,712

 
 
 
 
 
 
 
 
 
 
 
 
 
Schedule of Troubled Debt Restructurings within the Previous 12 Months
The following tables present TDRs which re-defaulted during 2019 and 2018, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.
 
 
2019
 
2018
(Dollars in thousands)
 
Number
 
Recorded
Investment
 
Number
 
Recorded
Investment
Commercial (C&I):
 
 
 
 
 
 
 
 
General C&I
 
—

 
$
—

 
2

 
$
579

Total commercial (C&I)
 
—

 
—

 
2

 
579

Consumer real estate:
 
 
 
 
 
 
 
 
HELOC
 
7

 
1,141

 
6

 
239

R/E installment loans
 
3

 
98

 
2

 
146

Total consumer real estate
 
10

 
1,239

 
8

 
385

Permanent mortgage
 
1

 
7

 
6

 
749

Credit card & other
 
32

 
115

 
49

 
239

Total troubled debt restructurings
 
43

 
$
1,361

 
65

 
$
1,952