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Loans (Tables)

3 Months Ended

Mar. 31, 2018

Loans were as follows:



	March 31, 2018		Percentage of Total		December 31, 2017		Percentage of Total
Commercial and industrial	$	4,876,523	36.5	%	$	4,792,388	36.4	%
Energy:
Production	1,125,321		8.4		1,182,326		9.0
Service	192,115		1.4		171,795		1.3
Other	129,552		0.9		144,972		1.1
Total energy	1,446,988		10.7		1,499,093		11.4
Commercial real estate:
Commercial mortgages	4,060,946		30.4		3,887,742		29.6
Construction	1,076,785		8.1		1,066,696		8.1
Land	317,189		2.4		331,986		2.5
Total commercial real estate	5,454,920		40.9		5,286,424		40.2
Consumer real estate:
Home equity loans	355,715		2.7		355,342		2.7
Home equity lines of credit	295,677		2.2		291,950		2.2
Other	388,271		2.9		376,002		2.9
Total consumer real estate	1,039,663		7.8		1,023,294		7.8
Total real estate	6,494,583		48.7		6,309,718		48.0
Consumer and other	545,935		4.1		544,466		4.2
Total loans	$	13,364,029	100.0	%	$	13,145,665	100.0	%

Non-Accrual Loans, Segregated by Class of Loans

Non-accrual loans, segregated by class of loans, were as follows:



	March 31, 2018		December 31, 2017
Commercial and industrial	$	17,314	$	46,186
Energy	93,097		94,302
Commercial real estate:
Buildings, land and other	10,858		7,589
Construction	—		—
Consumer real estate	1,878		2,109
Consumer and other	5		128
Total	$	123,152	$	150,314

Age Analysis of Past Due Loans, Segregated by Class of Loans

An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of March 31, 2018 was as follows:



	Loans 30-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More Days Past Due
Commercial and industrial	$	25,701	$	23,946	$	49,647	$	4,826,876	$	4,876,523	$	10,357
Energy	24,404		4,207		28,611		1,418,377		1,446,988		3,137
Commercial real estate:
Buildings, land and other	36,130		5,470		41,600		4,336,535		4,378,135		3,889
Construction	9,497		—		9,497		1,067,288		1,076,785		—
Consumer real estate	8,225		3,164		11,389		1,028,274		1,039,663		1,680
Consumer and other	7,486		218		7,704		538,231		545,935		213
Total	$	111,443	$	37,005	$	148,448	$	13,215,581	$	13,364,029	$	19,276

Impaired Loans

Impaired loans are set forth in the following table. No interest income was recognized on impaired loans subsequent to their classification as impaired.



	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
March 31, 2018
Commercial and industrial	$	38,136	$	1,802	$	13,430	$	15,232	$	7,930
Energy	123,351		41,569		63,502		105,071		14,772
Commercial real estate:
Buildings, land and other	13,078		7,577		2,047		9,624		708
Construction	—		—		—		—		—
Consumer real estate	1,427		1,427		—		1,427		—
Consumer and other	—		—		—		—		—
Total	$	175,992	$	52,375	$	78,979	$	131,354	$	23,410
December 31, 2017
Commercial and industrial	$	60,781	$	28,038	$	15,722	$	43,760	$	7,553
Energy	99,606		33,080		61,162		94,242		13,267
Commercial real estate:
Buildings, land and other	10,795		6,394		—		6,394		—
Construction	—		—		—		—		—
Consumer real estate	1,214		1,214		—		1,214		—
Consumer and other	—		—		—		—		—
Total	$	172,396	$	68,726	$	76,884	$	145,610	$	20,820

Average Recorded Investment In Impaired Loans

The average recorded investment in impaired loans was as follows:



	Three Months Ended March 31,
	2018		2017
Commercial and industrial	$	29,496	$	26,393
Energy	99,657		68,101
Commercial real estate:
Buildings, land and other	8,009		6,660
Construction	—		—
Consumer real estate	1,321		1,102
Consumer and other	—		27
Total	$	138,483	$	102,283

Troubled Debt Restructurings

Troubled debt restructurings during the three months ended March 31, 2018 and March 31, 2017 are set forth in the following table.



	Three Months Ended March 31, 2018				Three Months Ended March 31, 2017
	Balance at Restructure		Balance at Period-End		Balance at Restructure		Balance at Period-End
Commercial and industrial	$	2,203	$	2,171	$	—	$	—
Energy	13,708		12,058		11,262		11,212
	$	15,911	$	14,229	$	11,262	$	11,212

Restructured Loans Past Due in Excess of 90 Days on Financing Receivables

Additional information related to restructured loans was as follows:



	March 31, 2018		March 31, 2017
Restructured loans past due in excess of 90 days at period-end:
Number of loans	—		1
Dollar amount of loans	$	—	$	747
Restructured loans on non-accrual status at period end	2,171		11,212
Charge-offs of restructured loans:
Recognized in connection with restructuring	—		—
Recognized on previously restructured loans	1,650		2,000

Weighted Average Risk Grades for All Commercial Loans by Class

The following tables present weighted-average risk grades for all commercial loans by class.



	March 31, 2018			December 31, 2017
	Weighted Average Risk Grade	Loans		Weighted Average Risk Grade	Loans
Commercial and industrial:
Risk grades 1-8	6.05	$	4,505,491	6.06	$	4,378,839
Risk grade 9	9.00	151,084		9.00	170,285
Risk grade 10	10.00	121,457		10.00	99,260
Risk grade 11	11.00	81,148		11.00	97,818
Risk grade 12	12.00	9,412		12.00	38,633
Risk grade 13	13.00	7,931		13.00	7,553
Total	6.35	$	4,876,523	6.41	$	4,792,388
Energy
Risk grades 1-8	6.12	$	1,173,702	6.01	$	1,199,207
Risk grade 9	9.00	50,364		9.00	50,427
Risk grade 10	10.00	37,670		10.00	64,282
Risk grade 11	11.00	92,155		11.00	90,875
Risk grade 12	12.00	78,325		12.00	81,035
Risk grade 13	13.00	14,772		13.00	13,267
Total	7.02	$	1,446,988	6.97	$	1,499,093
Commercial real estate:
Buildings, land and other
Risk grades 1-8	6.77	$	4,051,952	6.75	$	3,868,659
Risk grade 9	9.00	124,048		9.00	151,487
Risk grade 10	10.00	120,399		10.00	129,391
Risk grade 11	11.00	70,878		11.00	62,602
Risk grade 12	12.00	10,150		12.00	7,589
Risk grade 13	13.00	708		13.00	—
Total	7.00	$	4,378,135	7.00	$	4,219,728
Construction
Risk grades 1-8	7.16	$	1,040,071	7.11	$	1,019,635
Risk grade 9	9.00	15,541		9.00	18,042
Risk grade 10	10.00	17,361		10.00	23,393
Risk grade 11	11.00	3,812		11.00	5,626
Risk grade 12	12.00	—		12.00	—
Risk grade 13	13.00	—		13.00	—
Total	7.25	$	1,076,785	7.23	$	1,066,696

Net (Charge-Offs)/Recoveries, Segregated by Class of Loans

Net (charge-offs)/recoveries, segregated by class of loans, were as follows:



	Three Months Ended March 31,
	2018			2017
Commercial and industrial	$	(7,675	)	$	(2,729	)
Energy	(2,849		)	(4,225		)
Commercial real estate:
Buildings, land and other	81			42
Construction	2			3
Consumer real estate	(526		)	96
Consumer and other	(1,457		)	(1,128		)
Total	$	(12,424	)	$	(7,941	)

Unallocated Portion of Allowance for Loan Losses

The following table presents details of the allowance for loan losses allocated to each portfolio segment as of March 31, 2018 and December 31, 2017 and detailed on the basis of the impairment evaluation methodology we used:



	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other			Total
March 31, 2018
Historical valuation allowances	$	26,658	$	12,266	$	19,870	$	2,470	$	6,729		$	67,993
Specific valuation allowances	7,930		14,772		708		—		—			23,410
General valuation allowances	8,053		8,015		4,025		1,601		(95		)	21,599
Macroeconomic valuation allowances	15,092		3,986		13,871		2,278		1,656			36,883
Total	$	57,733	$	39,039	$	38,474	$	6,349	$	8,290		$	149,885
Allocated to loans:
Individually evaluated	$	7,930	$	14,772	$	708	$	—	$	—		$	23,410
Collectively evaluated	49,803		24,267		37,766		6,349		8,290			126,475
Total	$	57,733	$	39,039	$	38,474	$	6,349	$	8,290		$	149,885
December 31, 2017
Historical valuation allowances	$	26,401	$	22,073	$	18,931	$	2,473	$	5,603		$	75,481
Specific valuation allowances	7,553		13,267		—		—		—			20,820
General valuation allowances	9,112		7,964		4,165		2,133		(91		)	23,283
Macroeconomic valuation allowances	16,548		8,224		7,852		1,051		2,105			35,780
Total	$	59,614	$	51,528	$	30,948	$	5,657	$	7,617		$	155,364
Allocated to loans:
Individually evaluated	$	7,553	$	13,267	$	—	$	—	$	—		$	20,820
Collectively evaluated	52,061		38,261		30,948		5,657		7,617			134,544
Total	$	59,614	$	51,528	$	30,948	$	5,657	$	7,617		$	155,364

Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology

Our recorded investment in loans as of March 31, 2018 and December 31, 2017 related to each balance in the allowance for loan losses by portfolio segment and detailed on the basis of the impairment methodology we used was as follows:



	Commercial and Industrial		Energy		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Total
March 31, 2018
Individually evaluated	$	15,232	$	105,071	$	9,624	$	1,427	$	—	$	131,354
Collectively evaluated	4,861,291		1,341,917		5,445,296		1,038,236		545,935		13,232,675
Total	$	4,876,523	$	1,446,988	$	5,454,920	$	1,039,663	$	545,935	$	13,364,029
December 31, 2017
Individually evaluated	$	43,760	$	94,242	$	6,394	$	1,214	$	—	$	145,610
Collectively evaluated	4,748,628		1,404,851		5,280,030		1,022,080		544,466		13,000,055
Total	$	4,792,388	$	1,499,093	$	5,286,424	$	1,023,294	$	544,466	$	13,145,665

Activity in Allowance for Loan Losses by Portfolio Segment

The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2018 and 2017. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.



	Commercial and Industrial			Energy			Commercial Real Estate			Consumer Real Estate			Consumer and Other			Total
Three months ended:
March 31, 2018
Beginning balance	$	59,614		$	51,528		$	30,948		$	5,657		$	7,617		$	155,364
Provision for loan losses	5,794			(9,640		)	7,443			1,218			2,130			6,945
Charge-offs	(9,252		)	(2,850		)	(5		)	(719		)	(3,972		)	(16,798		)
Recoveries	1,577			1			88			193			2,515			4,374
Net charge-offs	(7,675		)	(2,849		)	83			(526		)	(1,457		)	(12,424		)
Ending balance	$	57,733		$	39,039		$	38,474		$	6,349		$	8,290		$	149,885
March 31, 2017
Beginning balance	$	52,915		$	60,653		$	30,213		$	4,238		$	5,026		$	153,045
Provision for loan losses	(4,603		)	5,365			3,751			489			2,950			7,952
Charge-offs	(3,527		)	(4,278		)	—			(11		)	(3,548		)	(11,364		)
Recoveries	798			53			45			107			2,420			3,423
Net charge-offs	(2,729		)	(4,225		)	45			96			(1,128		)	(7,941		)
Ending balance	$	45,583		$	61,793		$	34,009		$	4,823		$	6,848		$	153,056