Loans, Allowance for Loan Losses and Credit Quality (Tables)

3 Months Ended

Mar. 31, 2016

Loans, Allowance for Loan Losses and Credit Quality [Abstract]

Tabular disclosure of financing receivables bifurcated by type of impairment evaluation [Table Text Block]

The following tables bifurcate the amount of loans and the allowance allocated to each loan category based on the type of impairment analysis as of the periods indicated:

	March 31, 2016
	(Dollars in thousands)
	Commercial and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Residential Real Estate		Home Equity		Other Consumer		Total
Financing receivables ending balance:
Collectively evaluated for impairment	$	830,477	$	2,678,161	$	357,867	$	102,384	$	609,153	$	929,050	$	13,113	$	5,520,205
Individually evaluated for impairment	$	4,859	$	22,808	$	—	$	939	$	13,673	$	6,006	$	534	$	48,819
Purchased credit impaired loans	$	—	$	10,888	$	—	$	—	$	9,062	$	255	$	2	$	20,207
Total loans by group	$	835,336	$	2,711,857	$	357,867	$	103,323	$	631,888	$	935,311	$	13,649	$	5,589,231	(1	)

	December 31, 2015
	(Dollars in thousands)
	Commercial and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Residential Real Estate		Home Equity		Other Consumer		Total
Financing receivables ending balance:
Collectively evaluated for impairment	$	838,129	$	2,619,294	$	373,064	$	95,225	$	614,014	$	921,563	$	14,427	$	5,475,716
Individually evaluated for impairment	$	5,147	$	22,986	$	304	$	1,021	$	15,405	$	5,989	$	558	$	51,410
Purchased credit impaired loans	$	—	$	11,154	$	—	$	—	$	9,187	$	251	$	3	$	20,595
Total loans by group	$	843,276	$	2,653,434	$	373,368	$	96,246	$	638,606	$	927,803	$	14,988	$	5,547,721	(1	)

(1) The amount of net deferred fees on loans and net unamortized discounts on acquired loans not deemed to be PCI included in the ending balance was $11.0 million and $10.9 million at March 31, 2016 and December 31, 2015, respectively.

Summary of changes in allowance for loan losses

The following tables summarize changes in allowance for loan losses by loan category for the periods indicated:

	Three Months Ended March 31, 2016
	(Dollars in thousands)
	Commercial and Industrial			Commercial Real Estate			Commercial Construction			Small Business			Residential Real Estate			Home Equity			Other Consumer			Total
Allowance for loan losses
Beginning balance	$	13,802		$	27,327		$	5,366		$	1,264		$	2,590		$	4,889		$	587		$	55,825
Charge-offs	(2		)	—			—			(63		)	(19		)	(147		)	(306		)	(537		)
Recoveries	138			189			—			21			—			27			244			619
Provision (benefit)	(453		)	1,079			(266		)	119			(4		)	146			(96		)	525
Ending balance	$	13,485		$	28,595		$	5,100		$	1,341		$	2,567		$	4,915		$	429		$	56,432
Ending balance: individually evaluated for impairment	$	222		$	802		$	—		$	3		$	1,223		$	231		$	26		$	2,507
Ending balance: collectively evaluated for impairment	$	13,263		$	27,793		$	5,100		$	1,338		$	1,344		$	4,684		$	403		$	53,925
	Three Months Ended March 31, 2015
	(Dollars in thousands)
	Commercial and Industrial			Commercial Real Estate			Commercial Construction			Small Business			Residential Real Estate			Home Equity			Other Consumer			Total
Allowance for loan losses
Beginning balance	$	15,573		$	25,873		$	3,945		$	1,171		$	2,834		$	4,956		$	748		$	55,100
Charge-offs	(561		)	(141		)	—			(150		)	(185		)	(161		)	(327		)	(1,525		)
Recoveries	379			685			—			67			45			72			192			1,440
Provision (benefit)	(834		)	(132		)	197			134			32			39			64			(500		)
Ending balance	$	14,557		$	26,285		$	4,142		$	1,222		$	2,726		$	4,906		$	677		$	54,515
Ending balance: individually evaluated for impairment	$	308		$	265		$	—		$	5		$	1,453		$	253		$	34		$	2,318
Ending balance: collectively evaluated for impairment	$	14,249		$	26,020		$	4,142		$	1,217		$	1,273		$	4,653		$	643		$	52,197

Internal risk-rating categories for the Company's commercial portfolio

		March 31, 2016
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	768,317	$	2,558,324	$	351,483	$	100,090	$	3,778,214
Potential weakness	7	44,762		95,580		5,000		2,392		147,734
Definite weakness-loss unlikely	8	22,183		56,894		1,384		741		81,202
Partial loss probable	9	74		1,059		—		100		1,233
Definite loss	10	—		—		—		—		—
Total		$	835,336	$	2,711,857	$	357,867	$	103,323	$	4,008,383

		December 31, 2015
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	765,753	$	2,484,025	$	363,781	$	93,008	$	3,706,567
Potential weakness	7	54,375		112,022		7,678		2,444		176,519
Definite weakness-loss unlikely	8	23,073		56,276		1,909		732		81,990
Partial loss probable	9	75		1,111		—		62		1,248
Definite loss	10	—		—		—		—		—
Total		$	843,276	$	2,653,434	$	373,368	$	96,246	$	3,966,324

Weighted average FICO scores and the weighted average combined LTV ratio

	March 31, 2016		December 31, 2015
Residential portfolio
FICO score (re-scored)(1)	742		742
LTV (re-valued)(2)	62.0	%	61.4	%
Home equity portfolio
FICO score (re-scored)(1)	766		765
LTV (re-valued)(2)	55.9	%	55.8	%

(1) The average FICO scores for March 31, 2016 are based upon rescores available from February 29, 2016 and origination score data for loans booked between March 1, 2016 and March 31, 2016. The average FICO scores for December 31, 2015 are based upon rescores available from November 30, 2015 and origination score data for loans booked between December 1, 2015 and December 31, 2015.

(2) The combined LTV ratios for March 31, 2016 are based upon updated automated valuations as of March 31, 2015 and origination value data for loans booked between April 1, 2015 and March 31, 2016. The combined LTV ratios for December 31, 2015 are based upon updated automated valuations as of March 31, 2015 and actual score data for loans booked from April 1, 2015 through December 31, 2015. For home equity loans and lines in a subordinate lien position, the LTV data represents a combined LTV, taking into account the senior lien data for loans and lines.

Summary of nonaccrual loans

	March 31, 2016		December 31, 2015
	(Dollars in thousands)
Commercial and industrial	$	3,195	$	3,699
Commercial real estate	8,027		7,856
Commercial construction	—		304
Small business	189		239
Residential real estate	7,510		8,795
Home equity	6,508		6,742
Other consumer	70		55
Total nonaccrual loans(1)	$	25,499	$	27,690

(1) Included in these amounts were $4.4 million and $5.2 million of nonaccruing TDRs at March 31, 2016 and December 31, 2015, respectively.

Foreclosed Residential Real Estate Property [Table Text Block]

The following table shows information regarding foreclosed residential real estate property at the dates indicated:

	March 31, 2016		December 31, 2015
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	1,298	$	1,430
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	1,670	$	1,059

Age analysis of past due financing receivables

The following table shows the age analysis of past due financing receivables as of the dates indicated:

	March 31, 2016
	30-59 days			60-89 days			90 days or more			Total Past Due					Total Financing Receivables		Recorded Investment >90 Days and Accruing
	Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Current
	(Dollars in thousands)
Loan Portfolio
Commercial and industrial	5	$	1	6	$	689	9	$	2,769	20	$	3,459	$	831,877	$	835,336	$	—
Commercial real estate	21	9,409		3	299		13	4,682		37	14,390		2,697,467		2,711,857		—
Commercial construction	—	—		—	—		—	—		—	—		357,867		357,867		—
Small business	12	197		14	39		9	84		35	320		103,003		103,323		—
Residential real estate	14	2,270		10	2,031		22	2,918		46	7,219		624,669		631,888		—
Home equity	22	1,634		11	519		23	2,014		56	4,167		931,144		935,311		—
Other consumer (1)	250	307		10	14		13	36		273	357		13,292		13,649		—
Total	324	$	13,818	54	$	3,591	89	$	12,503	467	$	29,912	$	5,559,319	$	5,589,231	$	—

	December 31, 2015
	30-59 days			60-89 days			90 days or more			Total Past Due					Total Financing Receivables		Recorded Investment >90 Days and Accruing
	Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Current
	(Dollars in thousands)
Loan Portfolio
Commercial and industrial	9	$	399	4	$	1,021	8	$	3,039	21	$	4,459	$	838,817	$	843,276	$	—
Commercial real estate	19	7,349		6	1,627		13	4,458		38	13,434		2,640,000		2,653,434		—
Commercial construction	—	—		—	—		1	304		1	304		373,064		373,368		—
Small business	11	93		4	9		13	69		28	171		96,075		96,246		—
Residential real estate	20	3,119		11	2,049		19	3,433		50	8,601		630,005		638,606		—
Home equity	21	1,526		11	903		20	1,338		52	3,767		924,036		927,803		—
Other consumer (1)	297	231		12	65		13	25		322	321		14,667		14,988		—
Total	377	$	12,717	48	$	5,674	87	$	12,666	512	$	31,057	$	5,516,664	$	5,547,721	$	—

Summary of Troubled Debt Restructuring and other pertinent information

The following table shows the Company’s total TDRs and other pertinent information as of the dates indicated:

	March 31, 2016		December 31, 2015
	(Dollars in thousands)
TDRs on accrual status	$	32,182	$	32,849
TDRs on nonaccrual	4,368		5,225
Total TDRs	$	36,550	$	38,074
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,565	$	1,628
Additional commitments to lend to a borrower who has been a party to a TDR	$	1,254	$	972

Change in investment recorded subsequent to modifications

	Three Months Ended
	March 31, 2016
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	3	$	277	$	277
Commercial real estate	2	424		424
Residential real estate	2	423		465
Home equity	1	182		182
Other consumer	4	85		85
Total	12	$	1,391	$	1,433

	Three Months Ended
	March 31, 2015
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	3	$	156	$	156
Commercial real estate	1	239		239
Small business	2	50		50
Residential real estate	3	157		157
Home equity	2	184		184
Total	11	$	786	$	786

(1) The post-modification balances represent the legal principal balance of the loan on the date of modification. These amounts may show an increase when modifications include a capitalization of interest.

Post modification balance of Troubled Debt Restructuring

The following table shows the Company’s post-modification balance of TDRs listed by type of modification as of the periods indicated:

	Three Months Ended March 31
	2016		2015
	(Dollars in thousands)
Extended maturity	$	1,195	$	642
Combination rate and maturity	238		114
Court ordered concession	—		30
Total	$	1,433	$	786

Troubled Debt Restructurings that subsequently defaulted

The following table shows loans that have been modified during the past twelve months which have subsequently defaulted during the periods indicated:

	Three Months Ended March 31
	2016			2015
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
	(Dollars in thousands)
Troubled debt restructurings that subsequently defaulted
Commercial real estate	—	$	—	1	$	378
	—	$	—	1	$	378

Impaired loans by loan portfolio

The tables below set forth information regarding the Company’s impaired loans by loan portfolio at the dates indicated:

	March 31, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,804	$	3,198	$	—
Commercial real estate	14,908		16,027		—
Small business	466		584		—
Residential real estate	3,169		3,903		—
Home equity	4,688		4,801		—
Other consumer	142		143		—
Subtotal	26,177		28,656		—
With an allowance recorded
Commercial and industrial	$	2,055	$	2,182	$	222
Commercial real estate	7,900		7,966		802
Small business	473		503		3
Residential real estate	10,504		11,486		1,223
Home equity	1,318		1,478		231
Other consumer	392		408		26
Subtotal	22,642		24,023		2,507
Total	$	48,819	$	52,679	$	2,507

	December 31, 2015
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,613	$	3,002	$	—
Commercial real estate	12,008		13,128		—
Commercial construction	304		305		—
Small business	527		618		—
Residential real estate	3,874		4,033		—
Home equity	4,893		5,005		—
Other consumer	184		185		—
Subtotal	24,403		26,276		—
With an allowance recorded
Commercial and industrial	$	2,534	$	2,648	$	183
Commercial real estate	10,978		11,047		204
Small business	494		523		4
Residential real estate	11,531		12,652		1,278
Home equity	1,096		1,287		238
Other consumer	374		389		23
Subtotal	27,007		28,546		1,930
Total	$	51,410	$	54,822	$	1,930

Interest income recognized on impaired loans

The following tables set forth information regarding interest income recognized on impaired loans, by portfolio, for the periods indicated:

	Three Months Ended
	March 31, 2016
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,871	$	17
Commercial real estate	15,093		137
Commercial construction	—		—
Small business	478		4
Residential real estate	3,639		43
Home equity	4,718		48
Other consumer	146		3
Subtotal	26,945		252
With an allowance recorded
Commercial and industrial	$	2,090	$	4
Commercial real estate	8,024		69
Small business	484		8
Residential real estate	10,528		94
Home equity	1,323		10
Other consumer	398		3
Subtotal	22,847		188
Total	$	49,792	$	440

	Three Months Ended
	March 31, 2015
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	3,862	$	57
Commercial real estate	21,137		310
Small business	722		11
Residential real estate	3,474		40
Home equity	4,749		52
Other consumer	586		7
Subtotal	34,841		480
With an allowance recorded
Commercial and industrial	$	2,871	$	36
Commercial real estate	10,872		137
Small business	356		6
Residential real estate	12,410		173
Home equity	1,289		14
Other consumer	513		5
Subtotal	28,311		371
Total	$	63,152	$	851

Certain Loans Acquired In Transfer Accounted For As Debt Securities Acquired During Period

	March 31, 2016		December 31, 2015
	(Dollars in thousands)
Outstanding balance	$	22,683	$	23,199
Carrying amount	$	20,207	$	20,595

Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule

The following table summarizes activity in the accretable yield for the PCI loan portfolio:

	Three Months Ended March 31
	2016			2015
	(Dollars in thousands)
Beginning balance	$	2,827		$	2,974
Acquisition	—			319
Accretion	(409		)	(964		)
Other change in expected cash flows (1)	297			219
Reclassification from nonaccretable difference for loans which have paid off (2)	64			79
Ending balance	$	2,779		$	2,627

(1) Represents changes in cash flows expected to be collected and resulting in increased interest income as a prospective yield adjustment over the remaining life of the loan(s).

(2) Results in increased interest income during the period in which the loan paid off at amount greater than originally expected.