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LOANS AND LEASES (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Financial Receivable Credit Quality Indicators
The following table sets forth the Company's loan portfolio at September 30, 2022 by risk attribute and origination date:
(Dollars in thousands)20222021202020192018PriorTerm TotalRevolvingTotal
Commercial & industrial
Pass$610,543 $604,315 $355,541 $226,929 $123,839 $205,820 $2,126,987 $892,286 $3,019,273 
Special mention6,554 9,305 8,426 22,670 9,679 10,806 67,440 22,922 90,362 
Substandard2,626 1,866 11,054 2,103 354 9,802 27,805 1,779 29,584 
Doubtful0 0 0 0 0 0 0 0 0 
Total$619,723 $615,486 $375,021 $251,702 $133,872 $226,428 $2,222,232 $916,987 $3,139,219 
Lease financing
Pass$102,443 $25,533 $19,591 $14,191 $10,259 $3,702 $175,719 $46 $175,765 
Special mention009000090090 
Substandard00018221142170217
Total$102,443 $25,533 $19,681 $14,373 $10,280 $3,716 $176,026 $46 $176,072 
Construction real estate
Pass$68,982 $250,178 $134,372 $4,916 $9,358 $668 $468,474 $20,972 $489,446 
Special mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total$68,982 $250,178 $134,372 $4,916 $9,358 $668 $468,474 $20,972 $489,446 
Commercial real estate - investor
Pass$388,912 $507,462 $325,682 $778,916 $307,413 $547,155 $2,855,540 $20,154 $2,875,694 
Special mention0 6,950 20,496 21,123 26,410 13,861 88,840 495 89,335 
Substandard0 0 6 11,314 19,913 18,144 49,377 0 49,377 
Doubtful0 0 0 0 0 0 0 0 0 
Total$388,912 $514,412 $346,184 $811,353 $353,736 $579,160 $2,993,757 $20,649 $3,014,406 
Commercial real estate - owner
Pass$112,003 $162,872 $173,443 $105,026 $119,514 $236,444 $909,302 $8,297 $917,599 
Special mention0 211 71 1,493 0 21,044 22,819 0 22,819 
Substandard0 330 35 5,173 14,287 1,696 21,521 0 21,521 
Total$112,003 $163,413 $173,549 $111,692 $133,801 $259,184 $953,642 $8,297 $961,939 
Residential real estate
Performing$235,725 $275,240 $209,393 $115,262 $53,703 $122,481 $1,011,804 $0 $1,011,804 
Nonperforming175 1,088 1,267 2,541 1,197 6,524 12,792 0 12,792 
Total$235,900 $276,328 $210,660 $117,803 $54,900 $129,005 $1,024,596 $0 $1,024,596 
Home equity
Performing$20,744 $34,771 $39,822 $12,302 $8,836 $27,479 $143,954 $588,815 $732,769 
Nonperforming5 35 102 268 89 423 922 3,627 4,549 
Total$20,749 $34,806 $39,924 $12,570 $8,925 $27,902 $144,876 $592,442 $737,318 
Installment
Performing$92,645 $42,545 $8,163 $4,615 $3,306 $3,717 $154,991 $46,410 $201,401 
Nonperforming224 438 24 29 25 1 741 125 866 
Total$92,869 $42,983 $8,187 $4,644 $3,331 $3,718 $155,732 $46,535 $202,267 
Credit cards
Performing$0 $0 $0 $0 $0 $0 $0 $51,668 $51,668 
Nonperforming0 0 0 0 0 0 0 505 505 
Total$0 $0 $0 $0 $0 $0 $0 $52,173 $52,173 
Grand Total$1,641,581 $1,923,139 $1,307,578 $1,329,053 $708,203 $1,229,781 $8,139,335 $1,658,101 $9,797,436 
The following table sets forth the Company's loan portfolio at December 31, 2021 by risk attribute and origination date:
(Dollars in thousands)20212020201920182017PriorTerm TotalRevolvingTotal
Commercial & industrial
Pass$711,198 $442,064 $339,507 $164,273 $119,580 $154,835 $1,931,457 $700,246 $2,631,703 
Special mention389 4,867 5,993 16,057 6,511 4,918 38,735 21,505 60,240 
Substandard2,220 434 2,843 1,224 12,640 1,465 20,826 7,259 28,085 
Total$713,807 $447,365 $348,343 $181,554 $138,731 $161,218 $1,991,018 $729,010 $2,720,028 
Lease financing
Pass$31,697 $21,536 $19,095 $15,494 $6,821 $4,765 $99,408 $0 $99,408 
Special mention010,216000010,216010,216 
Substandard000000000
Total$31,697 $31,752 $19,095 $15,494 $6,821 $4,765 $109,624 $0 $109,624 
Construction real estate
Pass$95,991 $200,421 $96,726 $15,886 $317 $12,719 $422,060 $18,299 $440,359 
Special mention0 6,531 0 9,004 0 0 15,535 0 15,535 
Substandard0 0 0 0 0 0 0 0 0 
Total$95,991 $206,952 $96,726 $24,890 $317 $12,719 $437,595 $18,299 $455,894 
Commercial real estate - investor
Pass$537,183 $379,217 $944,915 $367,946 $294,147 $434,641 $2,958,049 $66,579 $3,024,628 
Special mention0 7,479 18,136 18,006 15,566 34,153 93,340 0 93,340 
Substandard1,616 6 21,312 6,628 6,918 307 36,787 0 36,787 
Total$538,799 $386,702 $984,363 $392,580 $316,631 $469,101 $3,088,176 $66,579 $3,154,755 
Commercial real estate - owner
Pass$204,291 $184,564 $121,150 $135,463 $119,489 $259,504 $1,024,461 $7,565 $1,032,026 
Special mention970 2,283 2,262 3,751 1,381 5,512 16,159 0 16,159 
Substandard162 727 6,541 12,513 1,730 1,963 23,636 38 23,674 
Doubtful0 0 0 0 0 0 0 0 0 
Total$205,423 $187,574 $129,953 $151,727 $122,600 $266,979 $1,064,256 $7,603 $1,071,859 
Residential real estate
Performing$258,537 $230,699 $138,239 $64,310 $34,606 $162,924 $889,315 $0 $889,315 
Nonperforming236 970 1,193 598 339 3,418 6,754 0 6,754 
Total$258,773 $231,669 $139,432 $64,908 $34,945 $166,342 $896,069 $0 $896,069 
Home equity
Performing$42,298 $45,638 $14,713 $11,221 $7,603 $30,588 $152,061 $553,245 $705,306 
Nonperforming72 161 44 67 56 234 634 2,459 3,093 
Total$42,370 $45,799 $14,757 $11,288 $7,659 $30,822 $152,695 $555,704 $708,399 
Installment
Performing$58,209 $12,768 $8,213 $5,541 $3,925 $2,201 $90,857 $28,353 $119,210 
Nonperforming6 61 32 9 1 56 165 79 244 
Total$58,215 $12,829 $8,245 $5,550 $3,926 $2,257 $91,022 $28,432 $119,454 
Credit cards
Performing$0 $0 $0 $0 $0 $0 $0 $51,772 $51,772 
Nonperforming0 0 0 0 0 0 0 445 445 
Total$0 $0 $0 $0 $0 $0 $0 $52,217 $52,217 
Grand Total$1,945,075 $1,550,642 $1,740,914 $847,991 $631,630 $1,114,203 $7,830,455 $1,457,844 $9,288,299 
Loan Delinquency, including Nonaccrual Loans
Loan delinquency, including loans classified as nonaccrual, was as follows:
 As of September 30, 2022
(Dollars in thousands)30 – 59
days
past due		60 – 89
days
past due		> 90 days
past due		Total
past
due		CurrentTotal> 90 days
past due
and still
accruing
Loans       
Commercial & industrial$3,133 $763 $441 $4,337 $3,134,882 $3,139,219 $0 
Lease financing1,851 198 204 2,253 173,819 176,072 2 
Construction real estate0 0 0 0 489,446 489,446 0 
Commercial real estate-investor7 0 0 7 3,014,399 3,014,406 0 
Commercial real estate-owner322 89 61 472 961,467 961,939 0 
Residential real estate3,309 305 4,052 7,666 1,016,930 1,024,596 0 
Home equity1,029 263 1,803 3,095 734,223 737,318 0 
Installment379 229 199 807 201,460 202,267 0 
Credit card283 85 137 505 51,668 52,173 137 
Total$10,313 $1,932 $6,897 $19,142 $9,778,294 $9,797,436 $139 

 As of December 31, 2021
(Dollars in thousands)30 – 59
days
past due		60 – 89
days
past due		> 90 days
past due		Total
past
due		CurrentTotal> 90 days
past due
and still
accruing
Loans       
Commercial & industrial$303 $2,006 $2,775 $5,084 $2,714,944 $2,720,028 $0 
Lease financing93 0 0 93 109,531 109,624 0 
Construction real estate0 0 0 0 455,894 455,894 0 
Commercial real estate-investor89 42 6,409 6,540 3,148,215 3,154,755 0 
Commercial real estate-owner56 2,207 637 2,900 1,068,959 1,071,859 0 
Residential real estate4,379 262 2,114 6,755 889,314 896,069 0 
Home equity1,214 692 1,186 3,092 705,307 708,399 0 
Installment162 37 45 244 119,210 119,454 0 
Credit card223 134 137 494 51,723 52,217 137 
Total$6,519 $5,380 $13,303 $25,202 $9,263,097 $9,288,299 $137 
Loans Restructured During Period
The following tables provide information on loan modifications classified as TDRs during the three and nine months ended September 30, 2022 and 2021:
Three months ended
September 30, 2022September 30, 2021
(Dollars in thousands)Number of loansPre-modification loan balancePeriod end balanceNumber of loansPre-modification loan balancePeriod end balance
Commercial & industrial0 $0 $0 0 $0 $0 
Construction real estate0 0 0 0 0 0 
Commercial real estate1 5,950 3,035 1 6,835 761 
Residential real estate5 430 391 1 145 142 
Home equity0 0 0 0 0 0 
Installment0 0 0 1 0 0 
Total6 $6,380 $3,426 3 $6,980 $903 
Nine months ended
September 30, 2022September 30, 2021
(Dollars in thousands)Number of loansPre-modification loan balancePeriod end balanceNumber of loansPre-modification loan balancePeriod end balance
Commercial & industrial6 $10,049 $8,825 5 $4,967 $4,831 
Construction real estate0 0 0 0 0 0 
Commercial real estate2 6,337 3,115 8 16,850 9,807 
Residential real estate11 1,094 1,034 14 1,265 1,233 
Home equity1 32 32 2 30 30 
Installment0 0 0 1 0 0 
Total20 $17,512 $13,006 30 $23,112 $15,901 
Loans Restructured, Modifications
The following table provides information on how TDRs were modified during the three and nine months ended September 30, 2022 and 2021:
Three months endedNine months ended
September 30,September 30,
(Dollars in thousands)2022202120222021
Extended maturities$0 $0 $3,345 $0 
Adjusted interest rates3,10703,107 0 
Combination of rate and maturity changes000 0 
Forbearance2977614,261 7,008 
Bankruptcies2214222 6,723 
Other (1)
002,271 2,170 
Total$3,426 $903 $13,006 $15,901 
(1) Includes covenant modifications and other concessions, or combination of concessions, that do not consist of interest rate adjustments, forbearance, bankruptcy and maturity extensions
Nonaccrual, Restructured and Impaired Loans The following table provides information on nonperforming loans:
September 30, 2022December 31, 2021
(Dollars in thousands)Nonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrualNonaccrual loans with a related ACLNonaccrual loans with no related ACLTotal nonaccrual
Nonaccrual loans (1)
  
Commercial & industrial$4,558 $4,161 $8,719 $11,077 $6,285 $17,362 
Lease financing0 199 199 0 203 203 
Construction real estate0 0 0 0 0 0 
Commercial real estate0 13,435 13,435 17,716 1,796 19,512 
Residential real estate0 10,250 10,250 0 8,305 8,305 
Home equity0 3,445 3,445 0 2,922 2,922 
Installment0 279 279 0 88 88 
Total nonaccrual loans$4,558 $31,769 $36,327 $28,793 $19,599 $48,392 
(1) Nonaccrual loans include nonaccrual TDRs of $12.8 million and $16.0 million as of September 30, 2022 and December 31, 2021, respectively.
Three months endedNine months ended
September 30,September 30,
(Dollars in thousands)2022202120222021
Interest income effect on nonperforming loans 
Gross amount of interest that would have been recorded under original terms$855 $1,182 $2,443 $4,260 
Interest included in income
Nonaccrual loans343 351 901 1,276 
Troubled debt restructurings126 85 288 258 
Total interest included in income469 436 1,189 1,534 
Net impact on interest income$386 $746 $1,254 $2,726 
Schedule of Collateral Dependent Loans The following table presents the amortized cost basis of collateral dependent loans by class of loan.
September 30, 2022
Type of Collateral
(Dollar in thousands)Business
assets		Commercial real estateEquipmentLandResidential real estateOtherTotal
Class of loan
Commercial & industrial$8,644 $0 $26 $0 $0 $49 $8,719 
Lease financing00 199 0 0 0 199 
Commercial real estate-investor03,034 0 0 98 0 3,132 
Commercial real estate-owner010,218 0 35 50 0 10,303 
Residential real estate00 0 0 10,250 0 10,250 
Home equity00003,445 0 3,445 
Installment00000 279 279 
Total$8,644 $13,252 $225 $35 $13,843 $328 $36,327 
December 31, 2021
Type of Collateral
(Dollar in thousands)Business
assets		Commercial real estateEquipmentLandResidential real estateOtherTotal
Class of loan
Commercial & industrial$13,171 $15 $833 $0 $0 $3,343 $17,362 
Lease financing00 203 0 0 0 203 
Commercial real estate-investor06,362 0 0 422 0 6,784 
Commercial real estate-owner06,673 5,937 38 80 0 12,728 
Residential real estate00 0 0 8,305 0 8,305 
Home equity00002,922 0 2,922 
Installment00000 88 88 
Total$13,171 $13,050 $6,973 $38 $11,729 $3,431 $48,392 
Changes in Other Real Estate Owned
Changes in OREO were as follows:
Three months endedNine months ended
 September 30,September 30,
(Dollars in thousands)2022202120222021
Balance at beginning of period$22 $340 $98 $1,287 
Additions
Commercial & industrial0 0 0 98 
Residential real estate0 0 136 0 
Total additions0 0 136 98 
Disposals  
Commercial & industrial0 0 (98)(768)
Residential real estate0 0 (72)(268)
Total disposals0 0 (170)(1,036)
Valuation adjustment  
Commercial & industrial0 0 0 (9)
Residential real estate0 0 (42)0 
Total valuation adjustment0 0 (42)(9)
Balance at end of period$22 $340 $22 $340 
Components of lease investments
The components of the Company's net investments in direct financing and sales-type leases, which are included in Lease financing on the Consolidated Balance Sheets are as follows:
(Dollar in thousands)September 30, 2022December 31, 2021
Direct financing leases
Lease receivables$47,558 $49,843 
Unguaranteed residual values16,236 19,714 
Sales-type leases
Lease receivables112,278 40,067 
Unguaranteed residual values0 0 
Total net investment in direct financing and sales-type leases$176,072 $109,624 
Sales-type and Direct Financing Leases, Lease Receivable, Maturity
The remaining maturities of lease receivables were as follows:
(Dollars in thousands)Direct financing and Sales-type
Remainder of 2022$13,518 
202338,226 
202437,316 
202524,749 
202625,129 
Thereafter38,745 
Total lease payments177,683 
Less: unearned interest income(17,847)
Net lease receivables$159,836