Commitments and Contingencies

12 Months Ended

Dec. 31, 2016

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)	2016		2015
Commitments to extend credit	$	1,509,696	$	1,619,854
Standby letters of credit	84,534		97,676
Total	$	1,594,230	$	1,717,530

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 $2.6 million at December 31, 2016 and $2.5 million at December 31, 2015.

We have future commitments with third party vendors for data processing and communication charges. Data processing and communication expense was $10.4 million, $11.7 million and $9.8 million for 2016, 2015 and 2014. Included in this expense was $1.3 million of one-time merger related expenses in 2015. There were no data processing and communication merger related expenses in 2016 or 2014.

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, 2016:



(dollars in thousands)	Total
2017	$	11,671
2018	12,046
2019	12,451
2020	12,875
2021	13,315
Total	$	62,358

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.