Commitments and Contingencies

12 Months Ended

Dec. 31, 2018

Commitments and Contingencies Disclosure [Abstract]

Commitments

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



	December 31,
(dollars in thousands)	2018		2017
Commitments to extend credit	$	1,464,892	$	1,420,428
Standby letters of credit	77,134		80,918
Total	$	1,542,026	$	1,501,346

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 $2.1 million at December 31, 2018 and $2.2 million at December 31, 2017. The allowance for unfunded commitments is included in other liabilities in the

Consolidated Balance Sheets.

We have future commitments with third party vendors for data processing and communication charges. Data processing and communication expense was $12.2 million for 2018 and $10.4 million for 2017 and 2016.

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, 2018:



(dollars in thousands)	Total
2019	$	16,221
2020	16,753
2021	17,306
2022	17,877
2023	18,469
Total	$	86,626

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.