Loans and Loans Held for Sale (Tables)

3 Months Ended

Mar. 31, 2015

The following table indicates the composition of the loans as of the dates presented:



(dollars in thousands)	March 31, 2015		December 31, 2014
Commercial
Commercial real estate	$	2,152,413	$	1,682,236
Commercial and industrial	1,211,053		994,138
Commercial construction	286,166		216,148
Total Commercial Loans	3,649,632		2,892,522
Consumer
Residential mortgage	521,506		489,586
Home equity	442,396		418,563
Installment and other consumer	65,754		65,567
Consumer construction	4,410		2,508
Total Consumer Loans	1,034,066		976,224
Total Portfolio Loans	4,683,698		3,868,746
Loans held for sale	6,126		2,970
Total Loans	$	4,689,824	$	3,871,716

Restructured Loans for Periods Presented

The following table summarizes the restructured loans as of the dates presented:



	March 31, 2015						December 31, 2014
(dollars in thousands)	Performing TDRs		Nonperforming TDRs		Total TDRs		Performing TDRs		Nonperforming TDRs		Total TDRs
Commercial real estate	$	16,722	$	5,030	$	21,752	$	16,939	$	2,180	$	19,119
Commercial and industrial	7,988		1,772		9,760		8,074		356		8,430
Commercial construction	5,724		1,973		7,697		5,736		1,869		7,605
Residential mortgage	2,507		625		3,132		2,839		459		3,298
Home equity	3,438		510		3,948		3,342		562		3,904
Installment and other consumer	44		6		50		53		10		63
Total	$	36,423	$	9,916	$	46,339	$	36,983	$	5,436	$	42,419

Restructured Loans for Periods Stated

The following tables present the restructured loans for the three month periods ended March 31, 2015 and March 31, 2014:



	Three Months Ended March 31, 2015
(dollars in thousands)	Number of Loans	Pre-Modification Outstanding Recorded Investment⁽¹⁾		Post-Modification Outstanding Recorded Investment⁽¹⁾		Total Difference in Recorded Investment
Commercial real estate
Principal deferral	2	$	2,851	$	2,851	$	—
Commercial and industrial
Principal deferral	6	661		661		—
Chapter 7 bankruptcy⁽²⁾	1	3		1		(2		)
Maturity date extension	1	780		765		(15		)
Commercial Construction
Principal deferral	1	104		103		(1		)
Home equity
Chapter 7 bankruptcy⁽²⁾	8	142		133		(9		)
Maturity date extension	1	71		71		—
Total by Concession Type
Principal deferral	9	3,616		3,615		(1		)
Chapter 7 bankruptcy⁽²⁾	9	145		134		(11		)
Maturity date extension	2	851		836		(15		)
Total	20	$	4,612	$	4,585	$	(27	)
⁽¹⁾ Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end. ⁽²⁾ Chapter 7 bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.
	Three Months Ended March 31, 2014
(dollars in thousands)	Number of Loans	Pre-Modification Outstanding Recorded Investment⁽¹⁾		Post-Modification Outstanding Recorded Investment⁽¹⁾		Total Difference in Recorded Investment
Commercial and industrial
Chapter 7 bankruptcy⁽²⁾	1	$	287	$	286	$	(1	)
Commercial Construction
Principal deferral	1	1,019		1,019		—
Residential mortgage
Chapter 7 bankruptcy⁽²⁾	4	277		276		(1		)
Home equity
Chapter 7 bankruptcy⁽²⁾	6	225		210		(15		)
Total by Concession Type
Principal deferral	1	1,019		1,019		—
Chapter 7 bankruptcy⁽²⁾	11	789		772		(17		)
Total	12	$	1,808	$	1,791	$	(17	)
⁽¹⁾ Excludes loans that were fully paid off or fully charged-off by period end. The pre-modification balance represents the balance outstanding prior to modification. The post-modification balance represents the outstanding balance at period end. ⁽²⁾ Chapter 7 bankruptcy loans where the debt has been legally discharged through the bankruptcy court and not reaffirmed.

Summary of Nonperforming Assets of Defaulted TDRs

The following tables present a summary of TDRs which defaulted during the periods presented that had been restructured within the last 12 months prior to defaulting:



	Defaulted TDRs
	For the Three Months Ended
	March 31, 2015			March 31, 2014
(dollars in thousands)	Number of Defaults	Recorded Investment		Number of Defaults	Recorded Investment
Residential mortgage	1	$	183	1	$	72
Home equity	1	5		—	—
Total	2	$	188	1	$	72

Summary of Nonperforming Assets

The following table is a summary of nonperforming assets as of the dates presented:



	Nonperforming Assets
(dollars in thousands)	March 31, 2015		December 31, 2014
Nonperforming Assets
Nonaccrual loans	$	8,218	$	7,021
Nonaccrual TDRs	9,916		5,436
Total nonaccrual loans	18,134		12,457
OREO	1,294		166
Total Nonperforming Assets	$	19,428	$	12,623