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ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended
Mar. 31, 2020
Receivables [Abstract]  
Allowance for Credit Losses by Classification

Changes in the allowance by loan category were as follows:
 
 
Three months ended March 31, 2020
 
 
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction real estate
 
Commercial real estate
 
Residential real estate
 
Home Equity
 
Installment
 
Credit card
 
Total
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
18,584

 
$
971

 
$
2,381

 
$
23,579

 
$
5,299

 
$
4,787

 
$
392

 
$
1,657

 
$
57,650

Impact of adopting ASC 326
 
9,901

 
118

 
11,579

 
24,118

 
5,490

 
8,430

 
801

 
1,068

 
61,505

Provision for credit losses
 
16,016

 
405

 
(449
)
 
5,227

 
558

 
1,538

 
75

 
510

 
23,880

Gross charge-offs
 
(1,091
)
 
0

 
0

 
(4
)
 
(115
)
 
(267
)
 
(61
)
 
(311
)
 
(1,849
)
Recoveries
 
2,000

 
0

 
0

 
234

 
52

 
339

 
31

 
43

 
2,699

Total net charge-offs
 
909

 
0

 
0

 
230

 
(63
)
 
72

 
(30
)
 
(268
)
 
850

Ending allowance for credit losses
 
$
45,410

 
$
1,494

 
$
13,511

 
$
53,154

 
$
11,284

 
$
14,827

 
$
1,238

 
$
2,967

 
$
143,885


 
 
Three months ended March 31, 2019
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction real estate
 
Commercial real estate
 
Residential real estate
 
Home Equity
 
Installment
 
Credit card
 
Total
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
18,746

 
$
1,130

 
$
3,413

 
$
21,048

 
$
4,964

 
$
5,348

 
$
362

 
$
1,531

 
$
56,542

Provision for credit losses
 
13,268

 
343

 
(683
)
 
493

 
125

 
185

 
19

 
333

 
14,083

Loans charged off
 
(12,328
)
 
(100
)
 
0

 
(1,214
)
 
(82
)
 
(468
)
 
(49
)
 
(341
)
 
(14,582
)
Recoveries
 
240

 
0

 
63

 
73

 
36

 
185

 
48

 
34

 
679

Total net charge-offs
 
(12,088
)
 
(100
)
 
63

 
(1,141
)
 
(46
)
 
(283
)
 
(1
)
 
(307
)
 
(13,903
)
Ending allowance for credit losses
 
$
19,926

 
$
1,373

 
$
2,793

 
$
20,400

 
$
5,043

 
$
5,250

 
$
380

 
$
1,557

 
$
56,722

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

The ACL balance and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 was as follows:
 
 
As of December 31, 2019
(Dollars in thousands)
 
Commercial & industrial
 
Lease financing
 
Construction real estate
 
Commercial real estate
 
Residential real estate
 
Home equity
 
Installment
 
Credit card
 
Total
Ending allowance balance attributable to loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
2,044

 
$
0

 
$
0

 
$
113

 
$
18

 
$
0

 
$
0

 
$
0

 
$
2,175

Collectively evaluated for impairment
 
16,540

 
971

 
2,381

 
23,466

 
5,281

 
4,787

 
392

 
1,657

 
55,475

Ending allowance for credit losses
 
$
18,584

 
$
971

 
$
2,381

 
$
23,579

 
$
5,299

 
$
4,787

 
$
392

 
$
1,657

 
$
57,650

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans
 
 

 
 
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
 
$
27,480

 
$
223

 
$
0

 
$
10,831

 
$
15,162

 
$
5,700

 
$
204

 
$
0

 
$
59,600

Collectively evaluated for impairment
 
2,438,397

 
88,141

 
493,182

 
4,183,820

 
1,040,787

 
766,169

 
82,385

 
49,184

 
9,142,065

Total loans
 
$
2,465,877

 
$
88,364

 
$
493,182

 
$
4,194,651

 
$
1,055,949

 
$
771,869

 
$
82,589

 
$
49,184

 
$
9,201,665