Commitments and Contingencies

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

COMMITMENTS AND CONTINGENCIES

Commitments

The following table sets forth our commitments and letters of credit as of the dates presented:



	December 31,
(dollars in thousands)	2015		2014
Commitments to extend credit	$	1,619,854	$	1,158,628
Standby letters of credit	97,676		73,584
Total	$	1,717,530	$	1,232,212

Estimates of the fair value of these off-balance sheet items were not made because of the short-term nature of these arrangements and the credit standing of the counterparties.

Our allowance for unfunded loan commitments totaled $2.5 million at December 31, 2015 and $2.3 million at December 31, 2014.

We have future commitments with third party vendors for data processing and communication charges. Data processing and communication expense was $11.7 million, $9.8 million and $9.5 million for 2015, 2014 and 2013. Included in expense was $1.3 million of one-time merger related expenses in 2015, no data processing and communication merger related expenses in 2014 and $0.8 million in one-time merger related expenses in 2013.

The following table sets forth the future estimated payments related to data processing and communication charges for each of the five years following December 31, 2015:



(dollars in thousands)	Total
2016	$	11,360
2017	11,743
2018	12,123
2019	12,527
2020	12,951
Total	$	60,704

Litigation

In the normal course of business, we are subject to various legal and administrative proceedings and claims. While any type of litigation contains a level of uncertainty, we believe that the outcome of such proceedings or claims pending will not have a material adverse effect on our consolidated financial position or results of operations.