Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loans, Net of Unearned Income

(in thousands)	2017		2016
Commercial non-real estate	$	8,297,937	$	7,613,917
Commercial real estate - owner occupied		2,142,439		1,906,821
Total commercial and industrial		10,440,376		9,520,738
Commercial real estate - income producing		2,384,599		2,013,890
Construction and land development		1,373,421		1,010,879
Residential mortgages		2,690,472		2,146,713
Consumer		2,115,295		2,059,931
Total loans	$	19,004,163	$	16,752,151

Allowance for Loan Losses by Portfolio Class

	Commercial Non-Real Estate		Commercial Real Estate- Owner Occupied		Total Commercial and Industrial		Commercial Real Estate- Income Producing		Construction and Land Development		Residential Mortgages		Consumer		Total
(in thousands)	Year Ended December 31, 2017
Allowance for loan  losses:
Beginning balance	$	147,052	$	11,083	$	158,135	$	13,509	$	6,271	$	25,361	$	26,142	$	229,418
Purchased credit impaired activity
Charge-offs		—		—		—		—		(77)		(297)		(153)		(527)
Recoveries		7		453		460		1		144		24		75		704
Net provision for loan losses		79		(882)		(803)		(213)		(301)		(168)		(412)		(1,897)
(Decrease) increase in FDIC loss share receivable		(47)		—		(47)		—		—		(2,344)		(135)		(2,526)
Non-purchased credit impaired activity:																—
Charge-offs		(51,479)		(558)		(52,037)		(259)		(619)		(2,542)		(31,277)		(86,734)
Recoveries		7,519		395		7,914		987		1,459		1,040		6,605		18,005
Net provision for loan losses		24,787		2,471		27,258		(316)		495		3,770		29,658		60,865
Ending balance	$	127,918	$	12,962	$	140,880	$	13,709	$	7,372	$	24,844	$	30,503	$	217,308
Ending balance:
Allowance:
Individually evaluated for impairment	$	16,129	$	793	$	16,922	$	1,326	$	11	$	189	$	118	$	18,566
Amounts related to purchased credit impaired loans		525		465		990		41		172		12,258		646		14,107
Collectively evaluated for impairment		111,264		11,704		122,968		12,342		7,189		12,397		29,739		184,635
Total allowance	$	127,918	$	12,962	$	140,880	$	13,709	$	7,372	$	24,844	$	30,503	$	217,308
Loans:
Individually evaluated for impairment	$	267,881	$	21,491	$	289,372	$	15,530	$	363	$	10,640	$	1,292	$	317,197
Purchased credit impaired loans		5,941		7,294		13,235		2,742		5,829		119,553		6,178		147,537
Collectively evaluated for impairment		8,024,115		2,113,654		10,137,769		2,366,327		1,367,229		2,560,279		2,107,825		18,539,429
Total loans	$	8,297,937	$	2,142,439	$	10,440,376	$	2,384,599	$	1,373,421	$	2,690,472	$	2,115,295	$	19,004,163

	Commercial Non-Real Estate		Commercial Real Estate- Owner Occupied		Total Commercial and Industrial		Commercial Real Estate- Income Producing		Construction and Land Development		Residential Mortgages		Consumer		Total
(in thousands)	Year Ended December 31, 2016
Allowance for loan  losses:
Beginning balance	$	109,428	$	9,858	$	119,286	$	6,041	$	5,642	$	25,353	$	24,857	$	181,179
Purchased credit impaired activity
Charge-offs		—		(28)		(28)		(1)		(18)		(323)		(8)		(378)
Recoveries		115		269		384		2		361		36		189		972
Net provision for loan losses		(44)		(440)		(484)		(462)		(594)		1,876		(1,740)		(1,404)
Increase (decrease) in FDIC loss share receivable		(31)		—		(31)		—		—		(4,209)		283		(3,957)
Non-purchased credit impaired activity:
Charge-offs		(42,620)		(1,819)		(44,439)		(346)		(964)		(1,040)		(26,099)		(72,888)
Recoveries		3,969		480		4,449		989		1,725		859		5,809		13,831
Net provision for loan losses		76,235		2,763		78,998		7,286		119		2,809		22,851		112,063
Ending balance	$	147,052	$	11,083	$	158,135	$	13,509	$	6,271	$	25,361	$	26,142	$	229,418
Ending balance:
Allowance:
Individually evaluated for impairment	$	28,187	$	246	$	28,433	$	466	$	38	$	91	$	267	$	29,295
Amounts related to purchased credit impaired loans		486		894		1,380		253		406		15,043		1,271		18,353
Collectively evaluated for impairment		118,379		9,943		128,322		12,790		5,827		10,227		24,604		181,770
Total allowance	$	147,052	$	11,083	$	158,135	$	13,509	$	6,271	$	25,361	$	26,142	$	229,418
Loans:
Individually evaluated for impairment	$	271,262	$	6,268	$	277,530	$	15,376	$	1,938	$	4,347	$	2,154	$	301,345
Purchased credit impaired loans		11,368		13,323		24,691		7,928		5,271		141,992		11,033		190,915
Collectively evaluated for impairment		7,331,287		1,887,230		9,218,517		1,990,586		1,003,670		2,000,374		2,046,744		16,259,891
Total loans	$	7,613,917	$	1,906,821	$	9,520,738	$	2,013,890	$	1,010,879	$	2,146,713	$	2,059,931	$	16,752,151

Composition of Nonaccrual Loans by Portfolio Class

	December 31,
(in thousands)	2017		2016
Commercial non-real estate	$	152,863	$	249,037
Commercial real estate - owner occupied		25,989		14,413
Total commercial and industrial		178,852		263,450
Commercial real estate - income producing		14,574		13,954
Construction and land development		3,807		4,550
Residential mortgages		40,480		23,665
Consumer		15,087		12,351
Total loans	$	252,800	$	317,970

Troubled Debt Restructurings Modified by Portfolio Class

	Years Ended December 31,
($ in thousands)	2017					2016					2015
		Outstanding Recorded Investment					Outstanding Recorded Investment					Outstanding Recorded Investment
Troubled Debt Restructurings:	Number of Contracts	Pre- Modification		Post- Modification		Number of Contracts	Pre- Modification		Post- Modification		Number of Contracts	Pre- Modification		Post- Modification
Commercial non-real estate	52	$	162,909	$	162,909	38	$	128,449	$	128,449	1	$	4,420	$	4,420
Commercial real estate - owner occupied	5		5,684		5,684	1		148		148	—		—		—
Total commercial and industrial	57		168,593		168,593	39		128,597		128,597	1		4,420		4,420
Commercial real estate - income producing	5		5,625		5,625	1		2,943		2,943	1		485		482
Construction and land development	—		—		—	—		—		—	—		—		—
Residential mortgages	15		2,812		2,812	7		694		694	4		195		185
Consumer	1		40		40	—		—		—	1		20		20
Total loans	78	$	177,070	$	177,070	47	$	132,234	$	132,234	7	$	5,120	$	5,107

Loans Individually Evaluated for Impairment Disaggregated by Portfolio Class

	December 31, 2017
(in thousands)	Recorded Investment Without an Allowance		Recorded Investment With an Allowance		Unpaid Principal Balance		Related Allowance
Commercial non-real estate	$	116,682	$	151,199	$	285,685	$	16,129
Commercial real estate - owner occupied		16,927		4,564		24,829		793
Total commercial and industrial		133,609		155,763		310,514		16,922
Commercial real estate - income producing		5,101		10,429		15,687		1,326
Construction and land development		100		263		363		11
Residential mortgages		8,245		2,395		13,855		189
Consumer		—		1,292		1,294		118
Total loans	$	147,055	$	170,142	$	341,713	$	18,566

	December 31, 2016
(in thousands)	Recorded Investment Without an Allowance		Recorded Investment With an Allowance		Unpaid Principal Balance		Related Allowance
Commercial non-real estate	$	150,650	$	120,612	$	295,445	$	28,187
Commercial real estate - owner occupied		4,261		2,007		6,646		246
Total commercial and industrial		154,911		122,619		302,091		28,433
Commercial real estate - income producing		10,447		4,929		15,708		466
Construction and land development		1,106		832		2,903		38
Residential mortgages		2,877		1,470		4,865		91
Consumer		—		2,154		2,155		267
Total loans	$	169,341	$	132,004	$	327,722	$	29,295

The tables below present the average balances and interest income for total impaired loans for years ended December 31, 2017 and 2016. Interest income recognized represents interest on accruing loans modified in a TDR.

	Years Ended
	December 31, 2017				December 31, 2016
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	255,710	$	2,774	$	211,324	$	1,164
Commercial real estate - owner occupied		7,901		62		6,151		44
Total commercial and industrial		263,611		2,836		217,475		1,208
Commercial real estate - income producing		14,565		146		9,347		106
Construction and land development		1,018		2		6,366		1
Residential mortgages		5,784		18		2,109		10
Consumer		1,558		13		716		5
Total loans	$	286,536	$	3,015	$	236,013	$	1,330

Age Analysis of Past Due Loans by Portfolio Class

December 31, 2017	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days past due		Total Past Due		Current		Total Loans		Recorded Investment > 90 Days and Accruing
(in thousands)
Commercial non-real estate	$	62,766	$	10,761	$	92,982	$	166,509	$	8,131,428	$	8,297,937	$	21,989
Commercial real estate - owner occupied		8,493		648		15,517		24,658		2,117,781		2,142,439		2,032
Total commercial and industrial		71,259		11,409		108,499		191,167		10,249,209		10,440,376		24,021
Commercial real estate - income producing		5,315		2,165		6,081		13,561		2,371,038		2,384,599		489
Construction and land development		4,113		1,056		3,412		8,581		1,364,840		1,373,421		477
Residential mortgages		33,621		10,554		30,537		74,712		2,615,760		2,690,472		2,208
Consumer		22,959		7,816		8,553		39,328		2,075,967		2,115,295		571
Total loans	$	137,267	$	33,000	$	157,082	$	327,349	$	18,676,814	$	19,004,163	$	27,766

December 31, 2016	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans		Recorded Investment > 90 Days and Accruing
(in thousands)
Commercial non-real estate	$	19,722	$	1,909	$	68,505	$	90,136	$	7,523,781	$	7,613,917	$	384
Commercial real estate - owner occupied		3,008		581		6,310		9,899		1,896,922		1,906,821		52
Total commercial and industrial		22,730		2,490		74,815		100,035		9,420,703		9,520,738		436
Commercial real estate - income producing		838		50		5,026		5,914		2,007,976		2,013,890		216
Construction and land development		694		171		5,300		6,165		1,004,714		1,010,879		1,563
Residential mortgages		24,599		8,816		14,369		47,784		2,098,929		2,146,713		1
Consumer		18,621		7,441		9,147		35,209		2,024,722		2,059,931		823
Total loans	$	67,482	$	18,968	$	108,657	$	195,107	$	16,557,044	$	16,752,151	$	3,039

Changes in Carrying Amount of Purchased Credit Impaired Loans and Related Accretable Yield

	2017				2016
	Carrying				Carrying
	Amount		Accretable		Amount		Accretable
(in thousands)	of Loans		Yield		of Loans		Yield
Balance at beginning of period	$	190,915	$	113,686	$	225,838	$	129,488
Additions		15,000		—		—		—
Payments received, net		(69,591)		(7,412)		(55,194)		(11,024)
Accretion		17,079		(17,079)		20,271		(20,271)
Increase (decrease) in expected cash flows based on actual
cash flow and changes in cash flow assumptions		—		(30,379)		—		5,358
Net transfers from nonaccretable difference
to accretable yield		—		3,701		—		10,135
Balance at end of period	$	153,403	$	62,517	$	190,915	$	113,686

Activity in Loss Share Receivable

(in thousands)	2017		2016
Balance, January 1	$	16,219	$	29,868
Amortization		(2,427)		(5,918)
Charge-offs, write-downs and other (recoveries)		(2,442)		(8,264)
External expenses qualifying under loss share agreement		79		1,356
Adjustments due to changes in cash flow projections		(2,526)		(3,957)
Net payments to FDIC		934		3,134
Loss on termination of loss share agreements		(6,603)		—
Cash received from FDIC for final settlement of agreements		(3,234)		—
Balance, December 31	$	—	$	16,219

Total Commercial [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Credit Quality Indicators by Segments and Portfolio Class

	December 31, 2017
(in thousands)	Commercial Non-Real Estate		Commercial Real Estate - Owner Occupied		Total Commercial and Industrial		Commercial Real Estate - Income Producing		Construction and Land Development		Total Commercial
Grade:
Pass	$	7,190,604	$	1,896,366	$	9,086,970	$	2,223,245	$	1,291,638	$	12,601,853
Pass-Watch		293,069		82,913		375,982		83,444		60,804		520,230
Special Mention		80,649		27,456		108,105		13,244		4,788		126,137
Substandard		733,558		135,704		869,262		64,658		16,191		950,111
Doubtful		57		—		57		8		—		65
Total	$	8,297,937	$	2,142,439	$	10,440,376	$	2,384,599	$	1,373,421	$	14,198,396

	December 31, 2016
(in thousands)	Commercial Non-Real Estate		Commercial Real Estate - Owner Occupied		Total Commercial & Industrial		Commercial Real Estate - Income Producing		Construction and Land Development		Total Commercial
Grade:
Pass	$	6,364,348	$	1,719,114	$	8,083,462	$	1,873,644	$	968,505	$	10,925,611
Pass-Watch		203,311		47,676		250,987		78,309		22,592		351,888
Special Mention		181,763		40,299		222,062		22,492		4,142		248,696
Substandard		846,793		99,732		946,525		39,434		15,640		1,001,599
Doubtful		17,702		—		17,702		11		—		17,713
Total	$	7,613,917	$	1,906,821	$	9,520,738	$	2,013,890	$	1,010,879	$	12,545,507

Residential Mortgage and Consumer [Member]

Accounts, Notes, Loans and Financing Receivable [Line Items]

Credit Quality Indicators by Segments and Portfolio Class

	December 31, 2017						December 31, 2016
(in thousands)	Residential Mortgage		Consumer		Total		Residential Mortgage		Consumer		Total
Performing	$	2,647,784	$	2,099,637	$	4,747,421	$	2,123,048	$	2,046,757	$	4,169,805
Nonperforming		42,688		15,658		58,346		23,665		13,174		36,839
Total	$	2,690,472	$	2,115,295	$	4,805,767	$	2,146,713	$	2,059,931	$	4,206,644