ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Dec. 31, 2021

Receivables [Abstract]

Changes in the Allowance for Loan and Lease Losses for the Previous Three Years

Changes in the allowance by loan category as of December 31 were as follows:

	2021
(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 year	$	51,454	$	995	$	21,736	$	76,795	$	8,560	$	11,869	$	1,215	$	3,055	$	175,679
Purchase accounting ACL for PCD	0		17		0		0		0		0		0		0		17
Provision for credit losses	6,606		621		(8,367)		(14,689)		(2,436)		(2,376)		65		1,552		(19,024)
Gross charge-offs	(15,620)		0		(1,498)		(13,471)		(127)		(1,073)		(334)		(780)		(32,903)
Recoveries	1,612		0		3		4,785		228		1,223		151		221		8,223
Total net charge-offs	(14,008)		0		(1,495)		(8,686)		101		150		(183)		(559)		(24,680)
Ending allowance for credit losses	$	44,052	$	1,633	$	11,874	$	53,420	$	6,225	$	9,643	$	1,097	$	4,048	$	131,992

	2020
(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
Beginning balance, prior to adoption of ASC 326	$	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	25,407		758		7,759		38,936		(2,122)		(939)		12		985		70,796
Gross charge-offs	(5,345)		(852)		0		(12,100)		(488)		(1,541)		(148)		(885)		(21,359)
Recoveries	2,907		0		17		2,262		381		1,132		158		230		7,087
Total net charge-offs	(2,438)		(852)		17		(9,838)		(107)		(409)		10		(655)		(14,272)
Ending allowance for credit losses	$	51,454	$	995	$	21,736	$	76,795	$	8,560	$	11,869	$	1,215	$	3,055	$	175,679

	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 year	$	18,746	$	1,130	$	3,413	$	21,048	$	4,964	$	5,348	$	362	$	1,531	$	56,542
Provision for credit losses	23,631		3		(1,100)		5,107		739		695		2		1,521		30,598
Gross charge-offs	(26,676)		(162)		0		(3,689)		(677)		(2,591)		(223)		(1,547)		(35,565)
Recoveries	2,883		0		68		1,113		273		1,335		251		152		6,075
Total net charge-offs	(23,793)		(162)		68		(2,576)		(404)		(1,256)		28		(1,395)		(29,490)
Ending allowance for credit losses	$	18,584	$	971	$	2,381	$	23,579	$	5,299	$	4,787	$	392	$	1,657	$	57,650