Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2018

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

Loans, Net of Unearned Income

	March 31,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	8,336,222	$	8,297,937
Commercial real estate - owner occupied		2,185,543		2,142,439
Total commercial & industrial		10,521,765		10,440,376
Commercial real estate - income producing		2,394,862		2,384,599
Construction and land development		1,413,878		1,373,421
Residential mortgages		2,732,821		2,690,472
Consumer		2,029,178		2,115,295
Total loans	$	19,092,504	$	19,004,163

Allowance for Loan Losses by Portfolio Class

			Commercial				Commercial
	Commercial		real estate-		Total		real estate-		Construction
		non-real	owner		commercial &		income		and land		Residential
(in thousands)	estate		occupied		industrial		producing		development		mortgages		Consumer		Total
	Three Months Ended March 31, 2018
Allowance for loan  losses:
Beginning balance	$	127,918	$	12,962	$	140,880	$	13,709	$	7,372	$	24,844	$	30,503	$	217,308
Charge-offs		(9,335)		(851)		(10,186)		—		(10)		(192)		(8,048)		(18,436)
Recoveries		4,146		88		4,234		63		29		116		1,794		6,236
Net provision for loan losses		3,877		1,421		5,298		(787)		2,533		150		5,059		12,253
Reduction as a result of sale of subsidiary		—		—		—		—		—		—		(6,648)		(6,648)
Ending balance	$	126,606	$	13,620	$	140,226	$	12,985	$	9,924	$	24,918	$	22,660	$	210,713
Allowance at end of period:
Individually evaluated for impairment	$	20,356	$	2,475	$	22,831	$	1,261	$	1	$	276	$	232	$	24,601
Amounts related to purchased credit impaired loans		471		495		966		576		173		11,720		612		14,047
Collectively evaluated for impairment		105,779		10,650		116,429		11,148		9,750		12,922		21,816		172,065
Total allowance	$	126,606	$	13,620	$	140,226	$	12,985	$	9,924	$	24,918	$	22,660	$	210,713
Loans at end of period:
Individually evaluated for impairment	$	323,913	$	30,318	$	354,231	$	14,071	$	113	$	8,338	$	617	$	377,370
Purchased credit impaired loans		8,510		8,384		16,894		4,361		5,843		116,409		5,876		149,383
Collectively evaluated for impairment		8,003,799		2,146,841		10,150,640		2,376,430		1,407,922		2,608,074		2,022,685		18,565,751
Total loans	$	8,336,222	$	2,185,543	$	10,521,765	$	2,394,862	$	1,413,878	$	2,732,821	$	2,029,178	$	19,092,504

			Commercial				Commercial
	Commercial		real estate-		Total		real estate-		Construction
	non-real		owner		commercial &		income		and land		Residential
(in thousands)	estate		occupied		industrial		producing		development		mortgages		Consumer		Total
	Three Months Ended March 31, 2017
Allowance for loan  losses:
Beginning balance	$	147,052	$	11,083	$	158,135	$	13,509	$	6,271	$	25,361	$	26,142	$	229,418
Charge-offs		(24,791)		(29)		(24,820)		(7)		(91)		(348)		(8,678)		(33,944)
Recoveries		938		275		1,213		375		471		113		1,743		3,915
Net provision for loan losses		8,101		193		8,294		(266)		69		376		7,518		15,991
Decrease in FDIC loss share receivable		(31)		—		(31)		—		—		(1,696)		(103)		(1,830)
Ending balance	$	131,269	$	11,522	$	142,791	$	13,611	$	6,720	$	23,806	$	26,622	$	213,550
Allowance at end of period:
Individually evaluated for impairment	$	15,017	$	76	$	15,093	$	1,114	$	1	$	94	$	199	$	16,501
Amounts related to purchased credit impaired loans		411		787		1,198		213		283		13,286		1,019		15,999
Collectively evaluated for impairment		115,841		10,659		126,500		12,284		6,436		10,426		25,404		181,050
Total allowance	$	131,269	$	11,522	$	142,791	$	13,611	$	6,720	$	23,806	$	26,622	$	213,550
Loans at end of period:
Individually evaluated for impairment	$	231,988	$	3,894	$	235,882	$	13,599	$	1,592	$	3,236	$	2,149	$	256,458
Purchased credit impaired loans		6,693		12,468		19,161		7,669		4,326		138,260		9,951		179,367
Collectively evaluated for impairment		7,835,606		2,031,089		9,866,695		2,483,836		1,246,749		2,124,767		2,046,996		17,769,043
Total loans	$	8,074,287	$	2,047,451	$	10,121,738	$	2,505,104	$	1,252,667	$	2,266,263	$	2,059,096	$	18,204,868

Composition of Nonaccrual Loans by Portfolio Class

	March 31,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	179,203	$	152,863
Commercial real estate - owner occupied		27,387		25,989
Total commercial & industrial		206,590		178,852
Commercial real estate - income producing		15,633		14,574
Construction and land development		3,724		3,807
Residential mortgages		35,069		40,480
Consumer		14,163		15,087
Total loans	$	275,179	$	252,800

Troubled Debt Restructurings Modified by Portfolio Class

	Three Months Ended
($ in thousands)		March 31, 2018						March 31, 2017
			Pre-Modification		Post-Modification				Pre-Modification		Post-Modification
			Outstanding		Outstanding				Outstanding		Outstanding
		Number of	Recorded		Recorded			Number of	Recorded		Recorded
Troubled Debt Restructurings:		Contracts	Investment		Investment		Contracts		Investment		Investment
Commercial non-real estate		13	$	55,482	$	55,482		9	$	38,659	$	38,659
Commercial real estate - owner occupied		1		5,909		5,909		1		656		656
Total commercial & industrial		14		61,391		61,391		10		39,315		39,315
Commercial real estate - income producing		1		1,564		1,564		2		5,527		5,527
Construction and land development		1		43		43		—		—		—
Residential mortgages		—		—		—		1		250		250
Consumer		1		222		222		—		—		—
Total loans		17	$	63,220	$	63,220		13	$	45,092	$	45,092

Loans Individually Evaluated for Impairment Disaggregated by Portfolio Class

	March 31, 2018
		Recorded investment		Recorded investment		Unpaid
(in thousands)		without an allowance		with an allowance		principal balance		Related allowance
Commercial non-real estate	$	108,898	$	215,015	$	335,178	$	20,356
Commercial real estate - owner occupied		6,064		24,254		30,997		2,475
Total commercial & industrial		114,962		239,269		366,175		22,831
Commercial real estate - income producing		6,055		8,016		14,269		1,261
Construction and land development		100		13		114		1
Residential mortgages		5,861		2,477		11,682		276
Consumer		14		603		718		232
Total loans	$	126,992	$	250,378	$	392,958	$	24,601
	December 31, 2017
		Recorded investment		Recorded investment		Unpaid
(in thousands)		without an allowance		with an allowance		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 & 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

The tables below present the average balances and interest income for total impaired loans for the three months ended March 31, 2018 and 2017.  Interest income recognized represents interest on accruing loans modified in a TDR.

	Three Months Ended
	March 31, 2018				March 31, 2017
	Average		Interest		Average			Interest
	recorded		income		recorded			income
(in thousands)	investment		recognized		investment			recognized
Commercial non-real estate	$	295,897	$	1,586	$	251,625	$	337
Commercial real estate - owner occupied		25,905		66		5,081		4
Total commercial & industrial		321,802		1,652		256,706		341
Commercial real estate - income producing		14,801		25		14,487		43
Construction and land development		238		—		1,766		—
Residential mortgages		9,489		5		3,792		2
Consumer		955		9		2,152		2
Total loans	$	347,285	$	1,691	$	278,903	$	388

Age Analysis of Past Due Loans by Portfolio Class

													Recorded
					Greater than								investment
	30-59 days		60-89 days		90 days		Total				Total		> 90 days and
March 31, 2018	past due		past due		past due		past due		Current		Loans		still accruing
(in thousands)
Commercial non-real estate	$	45,309	$	18,497	$	130,360	$	194,166	$	8,142,056	$	8,336,222	$	20,330
Commercial real estate - owner occupied		7,464		115		22,138		29,717		2,155,826		2,185,543		1,360
Total commercial & industrial		52,773		18,612		152,498		223,883		10,297,882		10,521,765		21,690
Commercial real estate - income producing		928		1,954		8,419		11,301		2,383,561		2,394,862		2,771
Construction and land development		6,537		416		3,115		10,068		1,403,810		1,413,878		259
Residential mortgages		32,815		4,496		20,122		57,433		2,675,388		2,732,821		1,170
Consumer		16,083		5,124		7,542		28,749		2,000,429		2,029,178		573
Total	$	109,136	$	30,602	$	191,696	$	331,434	$	18,761,070	$	19,092,504	$	26,463

													Recorded
					Greater than								investment
	30-59 days		60-89 days		90 days		Total				Total		> 90 days and
December 31, 2017	past due		past due		past due		past due		Current		Loans		still 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 & 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	$	137,267	$	33,000	$	157,082	$	327,349	$	18,676,814	$	19,004,163	$	27,766

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

	March 31, 2018				December 31, 2017
	Carrying				Carrying
	Amount		Accretable		Amount		Accretable
(in thousands)	of Loans		Yield		of Loans		Yield
Balance at beginning of period	$	153,403	$	62,517	$	190,915	$	113,686
Addition of cost recovery loans - FNBC I		—		—		15,000		—
Payments received, net		(8,288)		(1,703)		(69,591)		(7,412)
Accretion		4,268		(4,268)		17,079		(17,079)
Increase in expected cash flows based on actual cash flows and changes in cash flow assumptions		—		(956)		—		(30,379)
Net transfers from nonaccretable difference to accretable yield		—		—		—		3,701
Balance at end of period	$	149,383	$	55,590	$	153,403	$	62,517

Total Commercial [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	March 31, 2018
(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	$	7,250,715	$	1,954,384	$	9,205,099	$	2,268,358	$	1,334,456	$	12,807,913
Pass-Watch		269,657		51,856		321,513		58,092		59,208		438,813
Special Mention		100,005		35,971		135,976		9,344		6,279		151,599
Substandard		715,827		143,332		859,159		59,068		13,935		932,162
Doubtful		18		—		18		—		—		18
Total	$	8,336,222	$	2,185,543	$	10,521,765	$	2,394,862	$	1,413,878	$	14,330,505
	December 31, 2017
(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	$	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

Residential Mortgage and Consumer [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	March 31, 2018						December 31, 2017
(in thousands)	Residential mortgage		Consumer		Total		Residential mortgage		Consumer		Total
Performing	$	2,696,582	$	2,014,442	$	4,711,024	$	2,647,784	$	2,099,637	$	4,747,421
Nonperforming		36,239		14,736		50,975		42,688		15,658		58,346
Total	$	2,732,821	$	2,029,178	$	4,761,999	$	2,690,472	$	2,115,295	$	4,805,767