Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

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

Loans, Net of Unearned Income

	June 30,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	8,410,961	$	8,297,937
Commercial real estate - owner occupied		2,233,794		2,142,439
Total commercial and industrial		10,644,755		10,440,376
Commercial real estate - income producing		2,342,192		2,384,599
Construction and land development		1,515,233		1,373,421
Residential mortgages		2,780,359		2,690,472
Consumer		2,088,378		2,115,295
Total loans	$	19,370,917	$	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		and industrial		producing		development		mortgages		Consumer		Total
	Six Months Ended June 30, 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		(11,845)		(6,804)		(18,649)		(1,604)		(220)		(498)		(12,964)		(33,935)
Recoveries		12,476		275		12,751		65		38		712		3,095		16,661
Net provision for loan losses		(1,981)		7,727		5,746		1,975		3,121		(862)		11,164		21,144
Reduction as a result of sale of subsidiary		—		—		—		—		—		—		(6,648)		(6,648)
Ending balance	$	126,568	$	14,160	$	140,728	$	14,145	$	10,311	$	24,196	$	25,150	$	214,530
Ending balance:
Allowance:
Individually evaluated for impairment	$	19,369	$	824	$	20,193	$	407	$	1	$	99	$	130	$	20,830
Amounts related to purchased credit impaired loans		427		420		847		46		115		10,873		497		12,378
Collectively evaluated for impairment		106,772		12,916		119,688		13,692		10,195		13,224		24,523		181,322
Total allowance	$	126,568	$	14,160	$	140,728	$	14,145	$	10,311	$	24,196	$	25,150	$	214,530
Loans:
Individually evaluated for impairment	$	291,071	$	26,967	$	318,038	$	8,820	$	113	$	3,733	$	599	$	331,303
Purchased credit impaired loans		8,221		6,630		14,851		3,800		4,769		111,805		5,381		140,606
Collectively evaluated for impairment		8,111,669		2,200,197		10,311,866		2,329,572		1,510,351		2,664,821		2,082,398		18,899,008
Total loans	$	8,410,961	$	2,233,794	$	10,644,755	$	2,342,192	$	1,515,233	$	2,780,359	$	2,088,378	$	19,370,917

			Commercial				Commercial
	Commercial		real estate-		Total		real estate-		Construction
	non-real		owner		commercial		income		and land		Residential
(in thousands)	estate		occupied		and industrial		producing		development		mortgages		Consumer		Total
	Six Months Ended June 30, 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		(26,218)		(517)		(26,735)		(160)		(172)		(776)		(15,260)		(43,103)
Recoveries		1,818		336		2,154		398		755		281		3,546		7,134
Net provision for loan losses		14,758		1,196		15,954		(207)		195		858		14,142		30,942
Decrease in FDIC loss share receivable		(47)		—		(47)		—		—		(2,344)		(135)		(2,526)
Ending balance	$	137,363	$	12,098	$	149,461	$	13,540	$	7,049	$	23,380	$	28,435	$	221,865
Ending balance:
Allowance:
Individually evaluated for impairment	$	22,758	$	280	$	23,038	$	1,402	$	1	$	172	$	283	$	24,896
Amounts related to purchased credit impaired loans		395		742		1,137		192		239		12,622		942		15,132
Collectively evaluated for impairment		114,210		11,076		125,286		11,946		6,809		10,586		27,210		181,837
Total allowance	$	137,363	$	12,098	$	149,461	$	13,540	$	7,049	$	23,380	$	28,435	$	221,865
Loans:
Individually evaluated for impairment	$	250,256	$	7,480	$	257,736	$	14,913	$	847	$	3,466	$	1,053	$	278,015
Purchased credit impaired loans		5,422		9,848		15,270		6,247		4,160		129,198		8,280		163,155
Collectively evaluated for impairment		7,837,426		2,061,004		9,898,430		2,380,513		1,308,515		2,361,259		2,083,954		18,032,671
Total loans	$	8,093,104	$	2,078,332	$	10,171,436	$	2,401,673	$	1,313,522	$	2,493,923	$	2,093,287	$	18,473,841

Composition of Nonaccrual Loans by Portfolio Class

	June 30,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	155,051	$	152,863
Commercial real estate - owner occupied		26,216		25,989
Total commercial and industrial		181,267		178,852
Commercial real estate - income producing		10,500		14,574
Construction and land development		4,174		3,807
Residential mortgages		31,393		40,480
Consumer		14,347		15,087
Total loans	$	241,681	$	252,800

Troubled Debt Restructurings Modified by Portfolio Class

	Three Months Ended
($ in thousands)		June 30, 2018						June 30, 2017
			Pre-Modification		Post-Modification				Pre-Modification		Post-Modification
		Number	Outstanding		Outstanding			Number	Outstanding		Outstanding
		of	Recorded		Recorded			of	Recorded		Recorded
Troubled Debt Restructurings:		Contracts	Investment		Investment		Contracts		Investment		Investment
Commercial non-real estate		5	$	6,477	$	6,477		28		54,317		54,317
Commercial real estate - owner occupied		—		—		—		3		3,078		3,078
Total commercial and industrial		5		6,477		6,477		31		57,395		57,395
Commercial real estate - income producing		—		—		—		3		959		959
Construction and land development		—		—		—		—		—		—
Residential mortgages		2		75		75		5		848		848
Consumer		—		—		—		1		40		42
Total loans		7	$	6,552	$	6,552		40		59,242		59,244

	Six Months Ended
($ in thousands)		June 30, 2018						June 30, 2017
			Pre-Modification		Post-Modification				Pre-Modification		Post-Modification
		Number	Outstanding		Outstanding			Number	Outstanding		Outstanding
		of	Recorded		Recorded			of	Recorded		Recorded
Troubled Debt Restructurings:		Contracts	Investment		Investment		Contracts		Investment		Investment
Commercial non-real estate		18	$	61,959	$	61,959		37	$	92,976	$	92,976
Commercial real estate - owner occupied		1		5,909		5,909		4		3,734		3,734
Total commercial and industrial		19		67,868		67,868		41		96,710		96,710
Commercial real estate - income producing		1		1,564		1,564		5		6,486		6,486
Construction and land development		—		—		—		—		—		—
Residential mortgages		3		118		118		6		1,098		1,098
Consumer		1		222		222		1		40		42
Total loans		24	$	69,772	$	69,772		53	$	104,334	$	104,336

Loans Individually Evaluated for Impairment Disaggregated by Portfolio Class

	June 30, 2018
		Recorded investment		Recorded investment		Unpaid
(in thousands)		without an allowance		with an allowance		principal balance		Related allowance
Commercial non-real estate	$	125,440	$	165,631	$	302,314	$	19,369
Commercial real estate - owner occupied		8,742		18,225		28,214		824
Total commercial and industrial		134,182		183,856		330,528		20,193
Commercial real estate - income producing		1,765		7,055		9,840		407
Construction and land development		100		13		113		1
Residential mortgages		2,430		1,303		6,748		99
Consumer		—		599		599		130
Total loans	$	138,477	$	192,826	$	347,828	$	20,830
	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 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

The tables below present the average balances and interest income for total impaired loans for the three and six months ended June 30, 2018 and 2017.  Interest income recognized represents interest on accruing loans modified in a TDR.

	Three Months Ended
	June 30, 2018				June 30, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	307,492	$	2,002	$	241,122	$	597
Commercial real estate - owner occupied		28,643		102		5,687		18
Total commercial and industrial		336,135		2,104		246,809		615
Commercial real estate - income producing		11,446		24		14,257		34
Construction and land development		113		—		1,219		—
Residential mortgages		6,036		5		3,352		3
Consumer		608		9		1,601		3
Total loans	$	354,338	$	2,142	$	267,238	$	655

	Six Months Ended
	June 30, 2018				June 30, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	301,695	$	3,588	$	246,374	$	934
Commercial real estate - owner occupied		27,274		168		5,384		22
Total commercial and industrial		328,969		3,756		251,758		956
Commercial real estate - income producing		13,123		49		14,372		77
Construction and land development		176		—		1,492		—
Residential mortgages		7,762		10		3,572		5
Consumer		781		18		1,876		5
Total loans	$	350,811	$	3,833	$	273,070	$	1,043

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
June 30, 2018	past due		past due		past due		past due		Current		Loans		still accruing
(in thousands)
Commercial non-real estate	$	15,299	$	19,264	$	94,065	$	128,628	$	8,282,333	$	8,410,961	$	4,483
Commercial real estate - owner occupied		1,622		1,441		23,274		26,337		2,207,457		2,233,794		2,880
Total commercial and industrial		16,921		20,705		117,339		154,965		10,489,790		10,644,755		7,363
Commercial real estate - income producing		2,133		426		6,666		9,225		2,332,967		2,342,192		1,822
Construction and land development		7,044		723		2,870		10,637		1,504,596		1,515,233		49
Residential mortgages		26,947		10,244		16,549		53,740		2,726,619		2,780,359		118
Consumer		13,566		5,384		7,591		26,541		2,061,837		2,088,378		503
Total	$	66,611	$	37,482	$	151,015	$	255,108	$	19,115,809	$	19,370,917	$	9,855

													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 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	$	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

	June 30, 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		(21,082)		(3,215)		(69,591)		(7,412)
Accretion		8,285		(8,285)		17,079		(17,079)
Decrease in expected cash flows based on actual cash flows and changes in cash flow assumptions		—		(1,889)		—		(30,379)
Net transfers from nonaccretable difference to accretable yield		—		—		—		3,701
Balance at end of period	$	140,606	$	49,128	$	153,403	$	62,517

Total Commercial [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	June 30, 2018
(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	$	7,492,452	$	2,040,720	$	9,533,172	$	2,242,250	$	1,441,146	$	13,216,568
Pass-Watch		249,892		43,185		293,077		38,906		56,240		388,223
Special Mention		70,464		26,511		96,975		8,982		7,434		113,391
Substandard		598,136		123,378		721,514		52,054		10,413		783,981
Doubtful		17		—		17		—		—		17
Total	$	8,410,961	$	2,233,794	$	10,644,755	$	2,342,192	$	1,515,233	$	14,502,180
	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

Residential Mortgage and Consumer [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	June 30, 2018						December 31, 2017
(in thousands)	Residential mortgage		Consumer		Total		Residential mortgage		Consumer		Total
Performing	$	2,748,848	$	2,073,528	$	4,822,376	$	2,647,784	$	2,099,637	$	4,747,421
Nonperforming		31,511		14,850		46,361		42,688		15,658		58,346
Total	$	2,780,359	$	2,088,378	$	4,868,737	$	2,690,472	$	2,115,295	$	4,805,767