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Loans (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Loans
Loans were as follows:
March 31,
2022		December 31,
2021
Commercial and industrial$5,584,117 $5,364,954 
Energy:
Production820,107 878,436 
Service113,708 105,901 
Other102,764 93,455 
Total energy1,036,579 1,077,792 
Paycheck Protection Program207,669 428,882 
Commercial real estate:
Commercial mortgages5,918,011 5,867,062 
Construction1,421,878 1,304,271 
Land458,510 405,277 
Total commercial real estate7,798,399 7,576,610 
Consumer real estate:
Home equity loans321,842 324,157 
Home equity lines of credit544,822 519,098 
Other566,961 567,535 
Total consumer real estate1,433,625 1,410,790 
Total real estate9,232,024 8,987,400 
Consumer and other482,148 477,369 
Total loans$16,542,537 $16,336,397 
Non-Accrual Loans, Segregated by Class of Loans
Non-accrual loans, segregated by class of loans, were as follows:
March 31, 2022December 31, 2021
Total Non-AccrualNon-Accrual with No Credit Loss AllowanceTotal Non-AccrualNon-Accrual with No Credit Loss Allowance
Commercial and industrial$16,693 $6,135 $22,582 $4,701 
Energy12,271 6,912 14,433 8,533 
Paycheck Protection Program— — — — 
Commercial real estate:
Buildings, land and other19,003 17,005 15,297 13,817 
Construction583 583 948 — 
Consumer real estate416 114 440 138 
Consumer and other— — 13 13 
Total$48,966 $30,749 $53,713 $27,202 
Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination
The following table presents non-accrual loans as of March 31, 2022 by class and year of origination.
20212020201920182017PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$— $478 $4,101 $3,910 $1,552 $1,033 $2,038 $3,581 $16,693 
Energy— — — 5,039 1,137 — 5,997 98 12,271 
Paycheck Protection Program — — — — — — — — — 
Commercial real estate:
Buildings, land and other— 8,407 296 1,199 394 2,932 — 5,775 19,003 
Construction— — 583 — — — — — 583 
Consumer real estate— — — — — 390 — 26 416 
Consumer and other— — — — — — — — — 
Total$— $8,885 $4,980 $10,148 $3,083 $4,355 $8,035 $9,480 $48,966 
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, 2022 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$13,016 $8,042 $21,058 $5,563,059 $5,584,117 $4,166 
Energy— 6,382 6,382 1,030,197 1,036,579 287 
Paycheck Protection Program671 8,377 9,048 198,621 207,669 8,377 
Commercial real estate:
Buildings, land and other21,542 11,546 33,088 6,343,433 6,376,521 1,046 
Construction1,988 — 1,988 1,419,890 1,421,878 — 
Consumer real estate4,210 2,409 6,619 1,427,006 1,433,625 2,103 
Consumer and other6,393 593 6,986 475,162 482,148 593 
Total$47,820 $37,349 $85,169 $16,457,368 $16,542,537 $16,572 
Restructured Loans Past Due in Excess of 90 Days on Financing Receivables Information as of or for the three months ended March 31, 2022 and 2021 related to loans restructured during the last twelve months is set forth in the following table.
March 31, 2022March 31, 2021
Restructured loans past due in excess of 90 days at period-end:
Number of loans2 2 
Dollar amount of loans$572 $1,392 
Charge-offs of restructured loans:
Recognized on previously restructured loans723 1,433 
Weighted Average Risk Grades for All Commercial Loans by Class and Year of Origination
The following tables present weighted-average risk grades for all commercial loans, by class and year of origination/renewal as of March 31, 2022. Paycheck Protection Program (“PPP”) loans are excluded as such loans are fully guaranteed by the Small Business Administration (“SBA”).
20222021202020192018PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial and industrial
Risk grades 1-8$836,152 $894,663 $592,780 $305,667 $160,622 $243,869 $2,255,878 $44,778 $5,334,409 6.18 
Risk grade 94,702 34,513 6,562 11,434 21,841 8,319 54,008 4,721 146,100 9.00 
Risk grade 103,500 22,084 6,527 1,039 4,007 578 13,899 1,198 52,832 10.00 
Risk grade 11— 1,926 6,672 9,679 1,697 2,200 5,958 5,951 34,083 11.00 
Risk grade 12— 478 2,644 3,510 1,488 619 941 2,015 11,695 12.00 
Risk grade 13— — 1,457 400 64 414 1,097 1,566 4,998 13.00 
$844,354 $953,664 $616,642 $331,729 $189,719 $255,999 $2,331,781 $60,229 $5,584,117 6.34 
W/A risk grade6.16 6.87 6.17 6.75 7.00 5.80 6.14 7.82 6.34 
Energy
Risk grades 1-8$279,051 $125,435 $7,519 $8,444 $4,068 $5,665 $509,657 $59,424 $999,263 5.71 
Risk grade 91,425 103 508 1,407 96 — 5,668 43 9,250 9.00 
Risk grade 10— — 90 580 351 — — 515 1,536 10.00 
Risk grade 119,097 265 512 3,256 951 178 — — 14,259 11.00 
Risk grade 12— — — 3,708 58 — 3,215 98 7,079 12.00 
Risk grade 13— — — 1,331 1,079 — 2,782 — 5,192 13.00 
$289,573 $125,803 $8,629 $18,726 $6,603 $5,843 $521,322 $60,080 $1,036,579 5.89 
W/A risk grade6.36 5.77 7.73 9.34 9.24 7.16 5.41 6.31 5.89 
20222021202020192018PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial real estate:
Buildings, land, other
Risk grades 1-8$607,883 $1,554,611 $1,113,230 $809,206 $498,477 $1,057,840 $72,704 $96,924 $5,810,875 6.89 
Risk grade 96,163 20,766 108,943 53,448 23,459 45,034 5,516 2,618 265,947 9.00 
Risk grade 1046,125 22,716 7,310 66,821 24,539 57,602 — — 225,113 10.00 
Risk grade 11— 260 1,293 7,328 6,788 36,699 3,215 — 55,583 11.00 
Risk grade 12— 8,081 296 1,199 394 2,932 — 5,775 18,677 12.00 
Risk grade 13— 326 — — — — — — 326 13.00 
$660,171 $1,606,760 $1,231,072 $938,002 $553,657 $1,200,107 $81,435 $105,317 $6,376,521 7.14 
W/A risk grade7.08 7.22 7.04 7.32 7.27 6.97 7.06 6.99 7.14 
Construction
Risk grades 1-8$202,413 $634,897 $195,127 $141,510 $636 $1,842 $207,182 $3,666 $1,387,273 6.96 
Risk grade 9171 28,069 5,359 — — 423 — — 34,022 9.00 
Risk grade 10— — — — — — — — — 10.00 
Risk grade 11— — — — — — — — — 11.00 
Risk grade 12— — 583 — — — — — 583 12.00 
Risk grade 13— — — — — — — — — 13.00 
$202,584 $662,966 $201,069 $141,510 $636 $2,265 $207,182 $3,666 $1,421,878 7.01 
W/A risk grade6.83 7.28 6.38 7.98 6.22 7.17 6.28 8.00 7.01 
Total commercial real estate$862,755 $2,269,726 $1,432,141 $1,079,512 $554,293 $1,202,372 $288,617 $108,983 $7,798,399 7.11 
W/A risk grade7.02 7.24 6.95 7.41 7.27 6.97 6.50 7.03 7.11 
Weighted Average Risk Grades for All Commercial Loans by Class
The following tables present weighted average risk grades for all commercial loans by class as of December 31, 2021. Refer to our 2021 Form 10-K for details of these loans by year of origination/renewal.
Commercial and IndustrialEnergyCommercial Real Estate - Buildings, Land and OtherCommercial Real Estate - ConstructionTotal Commercial Real Estate
W/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoans
Risk grades 1-86.01 $5,063,847 5.78 $1,008,370 6.91 $5,574,922 6.99 $1,262,200 6.92 $6,837,122 
Risk grade 99.00 187,870 9.00 36,622 9.00 321,533 9.00 41,123 9.00 362,656 
Risk grade 1010.00 59,137 10.00 1,773 10.00 269,447 10.00 — 10.00 269,447 
Risk grade 1111.00 31,518 11.00 16,594 11.00 91,140 11.00 — 11.00 91,140 
Risk grade 1212.00 12,535 12.00 8,953 12.00 15,097 12.00 748 12.00 15,845 
Risk grade 1313.00 10,047 13.00 5,480 13.00 200 13.00 200 13.00 400 
Total6.22 $5,364,954 6.06 $1,077,792 7.22 $6,272,339 7.06 $1,304,271 7.19 $7,576,610 
Age analysis of Past Due Consumer Loans by Class and Year of Origination
Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of March 31, 2022 was as follows:
20222021202020192018PriorRevolving LoansRevolving Loans Converted to TermTotal
Consumer real estate:
Past due 30-89 days$— $303 $55 $465 $309 $1,587 $60 $1,431 $4,210 
Past due 90 or more days— — 4 — 297 854 1,004 250 2,409 
Total past due— 303 59 465 606 2,441 1,064 1,681 6,619 
Current loans51,321 322,814 225,921 86,664 48,481 149,677 533,182 8,946 1,427,006 
Total$51,321 $323,117 $225,980 $87,129 $49,087 $152,118 $534,246 $10,627 $1,433,625 
Consumer and other:
Past due 30-89 days$1,470 $385 $53 $69 $54 $24 $2,344 $1,994 $6,393 
Past due 90 or more days— 499 — 23 — 13 — 58 593 
Total past due1,470 884 53 92 54 37 2,344 2,052 6,986 
Current loans21,692 34,798 13,127 4,936 2,207 2,520 371,266 24,616 475,162 
Total$23,162 $35,682 $13,180 $5,028 $2,261 $2,557 $373,610 $26,668 $482,148 
Revolving Loans Converted to Term [Table Text Block]
Revolving loans that converted to term during the three months ended March 31, 2022 and 2021 were as follows:
Three Months Ended March 31,
20212020
Commercial and industrial$5,763 $11,843 
Energy— 5,928 
Commercial real estate:
Buildings, land and other47 23,303 
Construction3,666 — 
Consumer real estate858 793 
Consumer and other4,222 3,861 
Total$14,556 $45,728 
Financing Receivable, Allowance for Credit Loss By Loan Class Calculated in Accordance With CECL Methodology
The following table presents details of the allowance for credit losses on loans segregated by loan portfolio segment as of March 31, 2022 and December 31, 2021. No allowance for credit losses has been recognized for PPP loans as such loans are fully guaranteed by the SBA.
March 31, 2022Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Modeled expected credit losses$46,635 $5,971 $17,110 $6,260 $7,634 $83,610 
Q-Factor and other qualitative adjustments33,916 4,260 111,518 63 1,440 151,197 
Specific allocations6,475 5,191 326 36 — 12,028 
Total$87,026 $15,422 $128,954 $6,359 $9,074 $246,835 
December 31, 2021
Modeled expected credit losses$46,946 $6,363 $16,676 $6,484 $6,397 $82,866 
Q-Factor and other qualitative adjustments14,609 5,374 127,860 65 1,440 149,348 
Specific allocations
10,536 5,480 400 36 — 16,452 
Total$72,091 $17,217 $144,936 $6,585 $7,837 $248,666 
Activity in Allowance for Loan Losses by Portfolio Segment
The following table details activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2022 and 2021. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. No allowance for credit losses has been recognized for PPP loans as such loans are fully guaranteed by the SBA.
Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Three months ended:
March 31, 2022
Beginning balance$72,091 $17,217 $144,936 $6,585 $7,837 $248,666 
Credit loss expense (benefit)17,561 (2,044)(15,609)(26)4,582 4,464 
Charge-offs(3,455)(371)(702)(231)(5,771)(10,530)
Recoveries829 620 329 31 2,426 4,235 
Net charge-offs(2,626)249 (373)(200)(3,345)(6,295)
Ending balance$87,026 $15,422 $128,954 $6,359 $9,074 $246,835 
March 31, 2021
Beginning balance$73,843 $39,553 $134,892 $7,926 $6,963 $263,177 
Credit loss expense (benefit)(1,965)(5,801)8,922 (2,722)1,566 — 
Charge-offs(2,189)(1,433)— (284)(4,060)(7,966)
Recoveries1,203 1,153 626 716 2,349 6,047 
Net charge-offs(986)(280)626 432 (1,711)(1,919)
Ending balance$70,892 $33,472 $144,440 $5,636 $6,818 $261,258 
Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology
The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment as of March 31, 2022 and December 31, 2021.
March 31, 2022December 31, 2021
Loan
Balance		Specific AllocationsLoan
Balance		Specific Allocations
Commercial and industrial$21,529 $6,475 $24,523 $10,536 
Energy11,931 5,191 16,393 5,480 
Paycheck Protection Program— — — — 
Commercial real estate:
Buildings, land and other28,806 326 24,670 200 
Construction— — 948 200 
Consumer real estate302 36 303 36 
Consumer and other— — — — 
Total$62,568 $12,028 $66,837 $16,452