Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

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

Loans, Net of Unearned Income

(in thousands)	2018		2017
Commercial non-real estate	$	8,620,601	$	8,297,937
Commercial real estate - owner occupied		2,457,748		2,142,439
Total commercial and industrial		11,078,349		10,440,376
Commercial real estate - income producing		2,341,779		2,384,599
Construction and land development		1,548,335		1,373,421
Residential mortgages		2,910,081		2,690,472
Consumer		2,147,867		2,115,295
Total loans	$	20,026,411	$	19,004,163

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, 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		(40,069)		(8,059)		(48,128)		(1,633)		(334)		(614)		(23,913)		(74,622)
Recoveries		14,385		317		14,702		221		96		2,179		5,162		22,360
Net provision for loan losses		(4,482)		8,537		4,055		5,341		8,513		(2,627)		20,834		36,116
Other		—		—		—		—		—		—		(6,648)		(6,648)
Ending balance	$	97,752	$	13,757	$	111,509	$	17,638	$	15,647	$	23,782	$	25,938	$	194,514
Ending balance:
Allowance:
Individually evaluated for impairment	$	3,636	$	607	$	4,243	$	210	$	1	$	444	$	216	$	5,114
Amounts related to purchased credit impaired loans		239		215		454		43		83		9,766		388		10,734
Collectively evaluated for impairment		93,877		12,935		106,812		17,385		15,563		13,572		25,334		178,666
Total allowance	$	97,752	$	13,757	$	111,509	$	17,638	$	15,647	$	23,782	$	25,938	$	194,514
Loans:
Individually evaluated for impairment	$	239,384	$	21,666	$	261,050	$	2,701	$	121	$	3,876	$	1,007	$	268,755
Purchased credit impaired loans		6,629		6,212		12,841		3,757		3,387		105,430		4,181		129,596
Collectively evaluated for impairment		8,374,588		2,429,870		10,804,458		2,335,321		1,544,827		2,800,775		2,142,679		19,628,060
Total loans	$	8,620,601	$	2,457,748	$	11,078,349	$	2,341,779	$	1,548,335	$	2,910,081	$	2,147,867	$	20,026,411

	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
Charge-offs		(51,479)		(558)		(52,037)		(259)		(696)		(2,839)		(31,430)		(87,261)
Recoveries		7,526		848		8,374		988		1,603		1,064		6,680		18,709
Net provision for loan losses		24,866		1,589		26,455		(529)		194		3,602		29,246		58,968
Increase (decrease) in FDIC loss share receivable		(47)		—		(47)		—		—		(2,344)		(135)		(2,526)
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

Composition of Nonaccrual Loans by Portfolio Class

	December 31,
(in thousands)	2018		2017
Commercial non-real estate	$	110,653	$	152,863
Commercial real estate - owner occupied		16,895		25,989
Total commercial and industrial		127,548		178,852
Commercial real estate - income producing		4,991		14,574
Construction and land development		2,146		3,807
Residential mortgages		35,866		40,480
Consumer		16,744		15,087
Total loans	$	187,295	$	252,800

Troubled Debt Restructurings Modified by Portfolio Class

	Years Ended December 31,
($ in thousands)	2018					2017					2016
		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	29	$	85,306	$	85,306	52	$	162,909	$	162,909	38	$	128,449	$	128,449
Commercial real estate - owner occupied	2		6,138		6,138	5		5,684		5,684	1		148		148
Total commercial and industrial	31		91,444		91,444	57		168,593		168,593	39		128,597		128,597
Commercial real estate - income producing	1		1,564		1,564	5		5,625		5,625	1		2,943		2,943
Construction and land development	—		—		—	—		—		—	—		—		—
Residential mortgages	14		1,297		1,297	15		2,812		2,812	7		694		694
Consumer	10		455		455	1		40		40	—		—		—
Total loans	56	$	94,760	$	94,760	78	$	177,070	$	177,070	47	$	132,234	$	132,234

Loans Individually Evaluated for Impairment Disaggregated by Portfolio Class

	December 31, 2018
(in thousands)	Recorded Investment Without an Allowance		Recorded Investment With an Allowance		Unpaid Principal Balance		Related Allowance
Commercial non-real estate	$	144,625	$	94,759	$	273,290	$	3,636
Commercial real estate - owner occupied		13,027		8,639		25,888		607
Total commercial and industrial		157,652		103,398		299,178		4,243
Commercial real estate - income producing		1,138		1,563		3,428		210
Construction and land development		100		21		121		1
Residential mortgages		2,058		1,818		4,421		444
Consumer		279		728		1,253		216
Total loans	$	161,227	$	107,528	$	308,401	$	5,114

	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

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

	Years Ended
	December 31, 2018				December 31, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial non-real estate	$	286,146	$	7,919	$	255,710	$	2,774
Commercial real estate - owner occupied		25,325		343		7,901		62
Total commercial and industrial		311,471		8,262		263,611		2,836
Commercial real estate - income producing		9,155		71		14,565		146
Construction and land development		145		-		1,018		2
Residential mortgages		5,598		18		5,784		18
Consumer		814		39		1,558		13
Total loans	$	327,183	$	8,390	$	286,536	$	3,015

Age Analysis of Past Due Loans by Portfolio Class

December 31, 2018	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	$	12,257	$	3,895	$	77,551	$	93,703	$	8,526,898	$	8,620,601	$	10,823
Commercial real estate - owner occupied		2,394		1,570		14,542		18,506		2,439,242		2,457,748		380
Total commercial and industrial		14,651		5,465		92,093		112,209		10,966,140		11,078,349		11,203
Commercial real estate - income producing		2,371		772		5,495		8,638		2,333,141		2,341,779		1,844
Construction and land development		7,397		1,129		2,165		10,691		1,537,644		1,548,335		644
Residential mortgages		32,869		14,706		23,175		70,750		2,839,331		2,910,081		—
Consumer		20,402		4,695		9,665		34,762		2,113,105		2,147,867		618
Total loans	$	77,690	$	26,767	$	132,593	$	237,050	$	19,789,361	$	20,026,411	$	14,309

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

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

	2018				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
Additions		—		—		15,000		—
Payments received, net		(39,556)		(5,779)		(69,591)		(7,412)
Accretion		15,749		(15,749)		17,079		(17,079)
Increase (decrease) in expected cash flows based on actual
cash flow and changes in cash flow assumptions		—		(3,695)		—		(30,379)
Net transfers from nonaccretable difference
to accretable yield		—		—		—		3,701
Balance at end of period	$	129,596	$	37,294	$	153,403	$	62,517

Total Commercial [Member]

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

Credit Quality Indicators by Segments and Portfolio Class

	December 31, 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	$	7,875,588	$	2,274,211	$	10,149,799	$	2,265,087	$	1,487,599	$	13,902,485
Pass-Watch		260,510		84,271		344,781		46,535		49,099		440,415
Special Mention		75,752		23,149		98,901		5,510		816		105,227
Substandard		408,751		76,117		484,868		24,647		10,821		520,336
Doubtful		—		—		—		—		—		—
Total	$	8,620,601	$	2,457,748	$	11,078,349	$	2,341,779	$	1,548,335	$	14,968,463

	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

	December 31, 2018						December 31, 2017
(in thousands)	Residential Mortgage		Consumer		Total		Residential Mortgage		Consumer		Total
Performing	$	2,873,669	$	2,130,395	$	5,004,064	$	2,647,784	$	2,099,637	$	4,747,421
Nonperforming		36,412		17,472		53,884		42,688		15,658		58,346
Total	$	2,910,081	$	2,147,867	$	5,057,948	$	2,690,472	$	2,115,295	$	4,805,767