Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2018

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

Loans, Net of Unearned Income

	September 30,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	8,438,884	$	8,297,937
Commercial real estate - owner occupied		2,300,271		2,142,439
Total commercial and industrial		10,739,155		10,440,376
Commercial real estate - income producing		2,311,699		2,384,599
Construction and land development		1,523,419		1,373,421
Residential mortgages		2,846,916		2,690,472
Consumer		2,122,528		2,115,295
Total loans	$	19,543,717	$	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
	Nine Months Ended September 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		(15,401)		(7,330)		(22,731)		(1,633)		(265)		(585)		(18,599)		(43,813)
Recoveries		13,234		282		13,516		221		68		1,854		4,028		19,687
Net provision for loan losses		(5,073)		7,203		2,130		6,288		6,248		(1,803)		15,153		28,016
Reduction as a result of sale of subsidiary		—		—		—		—		—		—		(6,648)		(6,648)
Ending balance	$	120,678	$	13,117	$	133,795	$	18,585	$	13,423	$	24,310	$	24,437	$	214,550
Ending balance:
Allowance:	September 30, 2018
Individually evaluated for impairment	$	23,101	$	225	$	23,326	$	285	$	1	$	163	$	131	$	23,906
Amounts related to purchased credit impaired loans		327		403		730		45		91		10,109		433		11,408
Collectively evaluated for impairment		97,250		12,489		109,739		18,255		13,331		14,038		23,873		179,236
Total allowance	$	120,678	$	13,117	$	133,795	$	18,585	$	13,423	$	24,310	$	24,437	$	214,550
Loans:
Individually evaluated for impairment	$	275,966	$	22,437	$	298,403	$	4,615	$	112	$	3,061	$	890	$	307,081
Purchased credit impaired loans		7,907		7,113		15,020		3,790		4,232		107,535		4,458		135,035
Collectively evaluated for impairment		8,155,011		2,270,721		10,425,732		2,303,294		1,519,075		2,736,320		2,117,180		19,101,601
Total loans	$	8,438,884	$	2,300,271	$	10,739,155	$	2,311,699	$	1,523,419	$	2,846,916	$	2,122,528	$	19,543,717

			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
	Nine Months Ended September 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		(35,247)		(527)		(35,774)		(160)		(670)		(2,485)		(22,844)		(61,933)
Recoveries		6,442		447		6,889		655		1,050		339		5,248		14,181
Net provision for loan losses		15,895		2,556		18,451		486		(70)		4,163		20,952		43,982
Decrease in FDIC loss share receivable		(47)		—		(47)		—		—		(2,344)		(135)		(2,526)
Ending balance	$	134,095	$	13,559	$	147,654	$	14,490	$	6,581	$	25,034	$	29,363	$	223,122
Ending balance:
Allowance:
Individually evaluated for impairment	$	20,880	$	477	$	21,357	$	1,321	$	1	$	406	$	405	$	23,490
Amounts related to purchased credit impaired loans		417		784		1,201		199		254		12,795		863		15,312
Collectively evaluated for impairment		112,798		12,298		125,096		12,970		6,326		11,833		28,095		184,320
Total allowance	$	134,095	$	13,559	$	147,654	$	14,490	$	6,581	$	25,034	$	29,363	$	223,122
Loans:
Individually evaluated for impairment	$	271,024	$	6,351	$	277,375	$	14,295	$	480	$	8,942	$	1,306	$	302,398
Purchased credit impaired loans		20,186		13,021		33,207		5,353		6,670		123,244		7,637		176,111
Collectively evaluated for impairment		7,838,219		2,056,642		9,894,861		2,492,160		1,365,898		2,464,506		2,090,351		18,307,776
Total loans	$	8,129,429	$	2,076,014	$	10,205,443	$	2,511,808	$	1,373,048	$	2,596,692	$	2,099,294	$	18,786,285

Composition of Nonaccrual Loans by Portfolio Class

	September 30,		December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	126,429	$	152,863
Commercial real estate - owner occupied		20,719		25,989
Total commercial and industrial		147,148		178,852
Commercial real estate - income producing		3,941		14,574
Construction and land development		3,249		3,807
Residential mortgages		31,732		40,480
Consumer		15,576		15,087
Total loans	$	201,646	$	252,800

Troubled Debt Restructurings Modified by Portfolio Class

	Three Months Ended
($ in thousands)		September 30, 2018						September 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		11	$	23,347	$	23,347		13		42,148		42,148
Commercial real estate - owner occupied		1		229		229		—		—		—
Total commercial and industrial		12		23,576		23,576		13		42,148		42,148
Commercial real estate - income producing		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		—
Residential mortgages		8		930		930		7		970		970
Consumer		6		89		89		—		—		—
Total loans		26	$	24,595	$	24,595		20		43,118		43,118

	Nine Months Ended
($ in thousands)		September 30, 2018						September 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		29	$	85,306	$	85,306		50	$	135,926	$	135,926
Commercial real estate - owner occupied		2		6,138		6,138		4		3,734		3,734
Total commercial and industrial		31		91,444		91,444		54		139,660		139,660
Commercial real estate - income producing		1		1,564		1,564		5		5,684		5,684
Construction and land development		—		—		—		—		—		—
Residential mortgages		11		1,048		1,048		13		2,068		2,068
Consumer		7		311		311		1		40		42
Total loans		50	$	94,367	$	94,367		73	$	147,452	$	147,454

Loans Individually Evaluated for Impairment Disaggregated by Portfolio Class

	September 30, 2018
		Recorded investment		Recorded investment		Unpaid
(in thousands)		without an allowance		with an allowance		principal balance		Related allowance
Commercial non-real estate	$	140,504	$	135,462	$	293,012	$	23,101
Commercial real estate - owner occupied		13,259		9,178		26,787		225
Total commercial and industrial		153,763		144,640		319,799		23,326
Commercial real estate - income producing		2,977		1,638		5,474		285
Construction and land development		100		12		112		1
Residential mortgages		1,482		1,579		3,609		163
Consumer		279		611		1,136		131
Total loans	$	158,601	$	148,480	$	330,130	$	23,906
	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 nine months ended September 30, 2018 and 2017.  Interest income recognized represents interest on accruing loans modified in a TDR.

	Three Months Ended
	September 30, 2018				September 30, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	283,519	$	2,275	$	260,640	$	872
Commercial real estate - owner occupied		24,702		90		6,916		24
Total commercial and industrial		308,221		2,365		267,556		896
Commercial real estate - income producing		6,718		15		14,604		35
Construction and land development		113		—		663		1
Residential mortgages		3,397		4		6,204		7
Consumer		745		10		1,179		4
Total loans	$	319,194	$	2,394	$	290,206	$	943

	Nine Months Ended
	September 30, 2018				September 30, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	295,636	$	5,863	$	251,129	$	1,806
Commercial real estate - owner occupied		26,416		258		5,895		46
Total commercial and industrial		322,052		6,121		257,024		1,852
Commercial real estate - income producing		10,988		64		14,449		112
Construction and land development		155		—		1,216		1
Residential mortgages		6,307		14		4,449		12
Consumer		769		28		1,644		9
Total loans	$	340,271	$	6,227	$	278,782	$	1,986

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
September 30, 2018	past due		past due		past due		past due		Current		Loans		still accruing
(in thousands)
Commercial non-real estate	$	10,752	$	26,454	$	116,791	$	153,997	$	8,284,887	$	8,438,884	$	27,606
Commercial real estate - owner occupied		2,001		459		16,377		18,837		2,281,434		2,300,271		641
Total commercial and industrial		12,753		26,913		133,168		172,834		10,566,321		10,739,155		28,247
Commercial real estate - income producing		1,541		198		6,371		8,110		2,303,589		2,311,699		1,830
Construction and land development		11,976		1,532		2,044		15,552		1,507,867		1,523,419		78
Residential mortgages		36,632		11,976		18,006		66,614		2,780,302		2,846,916		—
Consumer		14,582		4,919		9,162		28,663		2,093,865		2,122,528		371
Total	$	77,484	$	45,538	$	168,751	$	291,773	$	19,251,944	$	19,543,717	$	30,526

													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

	September 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		(30,448)		(4,564)		(69,591)		(7,412)
Accretion		12,080		(12,080)		17,079		(17,079)
Decrease in expected cash flows based on actual cash flows and changes in cash flow assumptions		—		(2,801)		—		(30,379)
Net transfers from nonaccretable difference to accretable yield		—		—		—		3,701
Balance at end of period	$	135,035	$	43,072	$	153,403	$	62,517

Total Commercial [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	September 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	$	7,593,629	$	2,106,568	$	9,700,197	$	2,211,829	$	1,473,080	$	13,385,106
Pass-Watch		201,226		70,831		272,057		46,155		37,100		355,312
Special Mention		89,825		34,133		123,958		26,086		952		150,996
Substandard		554,184		88,739		642,923		27,629		12,287		682,839
Doubtful		20		—		20		—		—		20
Total	$	8,438,884	$	2,300,271	$	10,739,155	$	2,311,699	$	1,523,419	$	14,574,273
	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

	September 30, 2018						December 31, 2017
(in thousands)	Residential mortgage		Consumer		Total		Residential mortgage		Consumer		Total
Performing	$	2,815,184	$	2,106,581	$	4,921,765	$	2,647,784	$	2,099,637	$	4,747,421
Nonperforming		31,732		15,947		47,679		42,688		15,658		58,346
Total	$	2,846,916	$	2,122,528	$	4,969,444	$	2,690,472	$	2,115,295	$	4,805,767