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Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2014
Receivables [Abstract]  
Age Analysis of Past Due Loans Segregated by Class of Loans
The following tables present the age analysis of past due loans segregated by class of loans as of the dates presented:
 
December 31, 2014
(dollars in thousands)
Current

30-59 Days
Past Due

60-89 Days
Past Due

Non-
performing

Total
Past Due
Loans

Total Loans

Commercial real estate
$
1,674,930

$
2,548

$
323

$
4,435

$
7,306

$
1,682,236

Commercial and industrial
991,136

1,227

153

1,622

3,002

994,138

Commercial construction
214,174

—

—

1,974

1,974

216,148

Residential mortgage
485,465

565

1,220

2,336

4,121

489,586

Home equity
414,303

1,756

445

2,059

4,260

418,563

Installment and other consumer
65,111

352

73

31

456

65,567

Consumer construction
2,508

—

—

—

—

2,508

Total
$
3,847,627

$
6,448

$
2,214

$
12,457

$
21,119

$
3,868,746

 
December 31, 2013
(dollars in thousands)
Current

30-59 Days
Past Due

60-89 Days
Past Due

Non-
performing

Total
Past Due
Loans

Total Loans

Commercial real estate
$
1,595,590

$
1,209

$
207

$
10,750

$
12,166

$
1,607,756

Commercial and industrial
836,276

2,599

278

3,296

6,173

842,449

Commercial construction
139,133

1,049

751

2,742

4,542

143,675

Residential mortgage
481,260

828

1,666

3,338

5,832

487,092

Home equity
408,777

2,468

659

2,291

5,418

414,195

Installment and other consumer
67,420

382

44

37

463

67,883

Consumer construction
3,149

—

—

—

—

3,149

Total
$
3,531,605

$
8,535

$
3,605

$
22,454

$
34,594

$
3,566,199
Recorded Investment in Commercial Loan Classes by Internally Assigned Risk Ratings
The following tables present the recorded investment in commercial loan classes by internally assigned risk ratings as of the dates presented:
 
December 31, 2014
(dollars in thousands)
Commercial
Real Estate

% of
Total

 
Commercial
and Industrial

% of
Total

 
Commercial
Construction

% of
Total

 
Total

% of
Total

Pass
$
1,635,132

97.2
%
 
$
948,663

95.4
%
 
$
196,520

90.9
%
 
$
2,780,315

96.1
%
Special mention
23,597

1.4
%
 
30,357

3.1
%
 
12,014

5.6
%
 
65,968

2.3
%
Substandard
23,507

1.4
%
 
15,118

1.5
%
 
7,614

3.5
%
 
46,239

1.6
%
Total
$
1,682,236

100.0
%
 
$
994,138

100.0
%
 
$
216,148

100.0
%
 
$
2,892,522

100.0
%
 
December 31, 2013
(dollars in thousands)
Commercial
Real Estate

% of
Total

 
Commercial
and Industrial

% of
Total

 
Commercial
Construction

% of
Total

 
Total

% of
Total

Pass
$
1,519,720

94.5
%
 
$
792,029

94.0
%
 
$
119,177

82.9
%
 
$
2,430,926

93.7
%
Special mention
57,073

3.6
%
 
34,085

4.1
%
 
15,621

10.9
%
 
106,779

4.1
%
Substandard
30,963

1.9
%
 
16,335

1.9
%
 
8,877

6.2
%
 
56,175

2.2
%
Total
$
1,607,756

100.0
%
 
$
842,449

100.0
%
 
$
143,675

100.0
%
 
$
2,593,880

100.0
%
Recorded Investment in Consumer Loan Classes by Performing and Nonperforming Status
The following tables present the recorded investment in consumer loan classes by performing and nonperforming status as of the dates presented:
 
December 31, 2014
(dollars in
thousands)
Residential
Mortgage

% of
Total

Home
Equity

% of
Total

Installment
and other
consumer

% of
Total

Consumer
Construction

% of
Total

Total

% of
Total

Performing
$
487,250

99.5
%
$
416,504

99.5
%
$
65,536

99.9
%
$
2,508

100.0
%
$
971,798

99.5
%
Nonperforming
2,336

0.5
%
2,059

0.5
%
31

0.1
%
—

—
%
4,426

0.5
%
Total
$
489,586

100.0
%
$
418,563

100.0
%
$
65,567

100.0
%
$
2,508

100.0
%
$
976,224

100.0
%
 
December 31, 2013
(dollars in
thousands)
Residential
Mortgage

% of
Total

Home
Equity

% of
Total

Installment
and other
consumer

% of
Total

Consumer
Construction

% of
Total

Total

% of
Total

Performing
$
483,754

99.3
%
$
411,904

99.4
%
$
67,846

99.9
%
$
3,149

100.0
%
$
966,653

99.4
%
Nonperforming
3,338

0.7
%
2,291

0.6
%
37

0.1
%
—

—
%
5,666

0.6
%
Total
$
487,092

100.0
%
$
414,195

100.0
%
$
67,883

100.0
%
$
3,149

100.0
%
$
972,319

100.0
%
Investments in Loans Considered to be Impaired and Related Information on Impaired Loans
The following table summarizes investments in loans considered to be impaired and related information on those impaired loans for the years presented:
 
For the Year Ended
 
December 31, 2014
 
December 31, 2013
(dollars in thousands)
Average
Recorded
Investment

Interest
Income
Recognized

 
Average
Recorded
Investment

Interest
Income
Recognized

With a related allowance recorded:
 
 
 
 
 
Commercial real estate
$
—

$
—

 
$
1,895

$
—

Commercial and industrial
—

—

 
—

—

Commercial construction
—

—

 
1,652

49

Consumer real estate
48

4

 
60

6

Other consumer
24

2

 
24

4

Total with a Related Allowance Recorded
72

6

 
3,631

59

Without a related allowance recorded:
 
 
 
 
 
Commercial real estate
20,504

684

 
29,314

929

Commercial and industrial
9,246

241

 
11,439

254

Commercial construction
8,145

227

 
14,112

326

Consumer real estate
7,027

396

 
8,714

436

Other consumer
56

2

 
114

6

Total without a Related Allowance Recorded
44,978

1,550

 
63,693

1,951

Total:
 
 
 
 
 
Commercial real estate
20,504

684

 
31,209

929

Commercial and industrial
9,246

241

 
11,439

254

Commercial construction
8,145

227

 
15,764

375

Consumer real estate
7,074

400

 
8,774

442

Other consumer
81

4

 
138

10

Total
$
45,050

$
1,556

 
$
67,324

$
2,010

The following table presents investments in loans considered to be impaired and related information on those impaired loans as of the dates presented:
 
December 31, 2014
 
December 31, 2013
(dollars in thousands)
Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

 
Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

With a related allowance recorded:
 
 
 
 
 
 
 
Commercial real estate
$
—

$
—

$
—

 
$
—

$
—

$
—

Commercial and industrial
—

—

—

 
—

—

—

Commercial construction
—

—

—

 
681

1,383

25

Consumer real estate
43

43

43

 
53

53

53

Other consumer
20

20

11

 
33

33

19

Total with a Related Allowance Recorded
63

63

54

 
767

1,469

97

Without a related allowance recorded:
 
 
 
 
 
 
 
Commercial real estate
19,890

25,262

—

 
26,968

35,474

—

Commercial and industrial
9,218

9,449

—

 
9,580

9,703

—

Commercial construction
7,605

11,293

—

 
7,391

12,353

—

Consumer real estate
7,159

7,733

—

 
8,026

9,464

—

Other consumer
42

48

—

 
124

128

—

Total without a Related Allowance Recorded
43,914

53,785

—

 
52,089

67,122

—

Total:
 
 
 
 
 
 
 
Commercial real estate
19,890

25,262

—

 
26,968

35,474

—

Commercial and industrial
9,218

9,449

—

 
9,580

9,703

—

Commercial construction
7,605

11,293

—

 
8,072

13,736

25

Consumer real estate
7,202

7,776

43

 
8,079

9,517

53

Other consumer
62

68

11

 
157

161

19

Total
$
43,977

$
53,848

$
54

 
$
52,856

$
68,591

$
97
Summary of Allowance for Loan Losses
The following tables detail activity in the ALL for the periods presented:
 
2014
(dollars in thousands)
Commercial
Real Estate

Commercial
and Industrial

Commercial
Construction

Consumer
Real Estate

Other
Consumer

Total Loans

Balance at beginning of year
$
18,921

$
14,433

$
5,374

$
6,362

$
1,165

$
46,255

Charge-offs
(2,041
)
(1,267
)
(712
)
(1,200
)
(1,133
)
(6,353
)
Recoveries
1,798

3,647

146

350

353

6,294

Net (Charge-offs)/ Recoveries
(243
)
2,380

(566
)
(850
)
(780
)
(59
)
Provision for loan losses
1,486

(3,145
)
1,285

821

1,268

1,715

Balance at End of Year
$
20,164

$
13,668

$
6,093

$
6,333

$
1,653

$
47,911

 
2013
(dollars in thousands)
Commercial
Real Estate

Commercial
and Industrial

Commercial
Construction

Consumer
Real Estate

Other
Consumer

Total Loans

Balance at beginning of year
$
25,246

$
7,759

$
7,500

$
5,058

$
921

$
46,484

Charge-offs
(4,601
)
(2,714
)
(4,852
)
(2,407
)
(1,002
)
(15,576
)
Recoveries
3,388

2,142

531

651

324

7,036

Net (Charge-offs)/ Recoveries
(1,213
)
(572
)
(4,321
)
(1,756
)
(678
)
(8,540
)
Provision for loan losses
(5,112
)
7,246

2,195

3,060

922

8,311

Balance at End of Year
$
18,921

$
14,433

$
5,374

$
6,362

$
1,165

$
46,255
Summary of Allowance for Loan Losses and Recorded Investments
The following tables present the ALL and recorded investments in loans by category as of December 31:
 
2014
 
Allowance for Loan Losses
Portfolio Loans
(dollars in thousands)
Individually
Evaluated for
Impairment

Collectively
Evaluated for
Impairment

Total

Individually
Evaluated for
Impairment

Collectively
Evaluated for
Impairment

Total

Commercial real estate
$
—

$
20,164

$
20,164

$
19,890

$
1,662,346

$
1,682,236

Commercial and industrial
—

13,668

13,668

9,218

984,920

994,138

Commercial construction
—

6,093

6,093

7,605

208,543

216,148

Consumer real estate
43

6,290

6,333

7,202

903,455

910,657

Other consumer
11

1,642

1,653

62

65,505

65,567

Total
$
54

$
47,857

$
47,911

$
43,977

$
3,824,769

$
3,868,746

 
2013
 
Allowance for Loan Losses
Portfolio Loans
(dollars in thousands)
Individually
Evaluated for
Impairment

Collectively
Evaluated for
Impairment

Total

Individually
Evaluated for
Impairment

Collectively
Evaluated for
Impairment

Total

Commercial real estate
$
—

$
18,921

$
18,921

$
26,968

$
1,580,788

$
1,607,756

Commercial and industrial
—

14,433

14,433

9,580

832,869

842,449

Commercial construction
25

5,349

5,374

8,072

135,603

143,675

Consumer real estate
53

6,309

6,362

8,079

896,357

904,436

Other consumer
19

1,146

1,165

157

67,726

67,883

Total
$
97

$
46,158

$
46,255

$
52,856

$
3,513,343

$
3,566,199