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

6 Months Ended

Jun. 30, 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:

	June 30, 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	$	870,533	$	2,697,559	$	367,559	$	109,958	$	604,724	$	942,604	$	15,942	$	5,608,879
Individually evaluated for impairment	$	4,631	$	18,775	$	—	$	1,077	$	14,642	$	5,764	$	484	$	45,373
Purchased credit impaired loans	$	—	$	10,809	$	—	$	—	$	8,982	$	208	$	2	$	20,001
Total loans by group	$	875,164	$	2,727,143	$	367,559	$	111,035	$	628,348	$	948,576	$	16,428	$	5,674,253	(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 purchased credit impaired ("PCI") included in the ending balance was $10.6 million and $10.9 million at June 30, 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 June 30, 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	$	13,485		$	28,595		$	5,100	$	1,341		$	2,567		$	4,915		$	429		$	56,432
Charge-offs	(2		)	(25		)	—		(30		)	(8		)	(190		)	(322		)	(577		)
Recoveries	649			223			—		73			51			26			250			1,272
Provision (benefit)	(105		)	218			116		57			(32		)	235			111			600
Ending balance	$	14,027		$	29,011		$	5,216	$	1,441		$	2,578		$	4,986		$	468		$	57,727

	Three Months Ended June 30, 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	$	14,557		$	26,285		$	4,142		$	1,222		$	2,726		$	4,906		$	677		$	54,515
Charge-offs	(473		)	(67		)	—			(47		)	(17		)	(248		)	(247		)	(1,099		)
Recoveries	502			169			—			66			1			31			110			879
Provision (benefit)	693			(28		)	(71		)	7			(159		)	182			76			700
Ending balance	$	15,279		$	26,359		$	4,071		$	1,248		$	2,551		$	4,871		$	616		$	54,995

	Six Months Ended June 30, 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	(4		)	(25		)	—			(93		)	(27		)	(337		)	(628		)	(1,114		)
Recoveries	787			412			—			94			51			53			494			1,891
Provision (benefit)	(558		)	1,297			(150		)	176			(36		)	381			15			1,125
Ending balance	$	14,027		$	29,011		$	5,216		$	1,441		$	2,578		$	4,986		$	468		$	57,727
Ending balance: individually evaluated for impairment	$	255		$	791		$	—		$	3		$	1,188		$	228		$	27		$	2,492
Ending balance: collectively evaluated for impairment	$	13,772		$	28,220		$	5,216		$	1,438		$	1,390		$	4,758		$	441		$	55,235
	Six Months Ended June 30, 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	(1,034		)	(208		)	—			(196		)	(202		)	(411		)	(573		)	(2,624		)
Recoveries	881			854			—			132			46			105			301			2,319
Provision (benefit)	(141		)	(160		)	126			141			(127		)	221			140			200
Ending balance	$	15,279		$	26,359		$	4,071		$	1,248		$	2,551		$	4,871		$	616		$	54,995
Ending balance: individually evaluated for impairment	$	310		$	201		$	—		$	4		$	1,337		$	250		$	30		$	2,132
Ending balance: collectively evaluated for impairment	$	14,969		$	26,158		$	4,071		$	1,244		$	1,214		$	4,621		$	586		$	52,863

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

		June 30, 2016
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	811,834	$	2,581,659	$	361,211	$	107,949	$	3,862,653
Potential weakness	7	44,942		90,371		4,964		2,310		142,587
Definite weakness-loss unlikely	8	18,363		54,076		1,384		694		74,517
Partial loss probable	9	25		1,037		—		82		1,144
Definite loss	10	—		—		—		—		—
Total		$	875,164	$	2,727,143	$	367,559	$	111,035	$	4,080,901

		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

	June 30, 2016		December 31, 2015
Residential portfolio
FICO score (re-scored)(1)	742		742
LTV (re-valued)(2)	61.9	%	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 June 30, 2016 are based upon rescores available from May 31, 2016 and origination score data for loans booked between June 1, 2016 and June 30, 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 June 30, 2016 are based upon updated automated valuations as of March 31, 2015 and origination value data for loans booked between April 1, 2015 and June 30, 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

	June 30, 2016		December 31, 2015
	(Dollars in thousands)
Commercial and industrial	$	3,177	$	3,699
Commercial real estate	8,220		7,856
Commercial construction	—		304
Small business	349		239
Residential real estate	7,116		8,795
Home equity	6,684		6,742
Other consumer	81		55
Total nonaccrual loans(1)	$	25,627	$	27,690

(1) Included in these amounts were $5.1 million and $5.2 million of nonaccruing TDRs at June 30, 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:

	June 30, 2016		December 31, 2015
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	1,467	$	1,430
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	1,137	$	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:

	June 30, 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	3	$	243	—	$	—	10	$	2,645	13	$	2,888	$	872,276	$	875,164	$	—
Commercial real estate	14	6,360		3	1,576		9	4,120		26	12,056		2,715,087		2,727,143		—
Commercial construction	—	—		—	—		—	—		—	—		367,559		367,559		—
Small business	10	26		3	68		17	186		30	280		110,755		111,035		—
Residential real estate	19	2,763		8	1,172		23	3,639		50	7,574		620,774		628,348		—
Home equity	20	1,371		12	478		26	2,012		58	3,861		944,715		948,576		—
Other consumer (1)	243	209		16	27		16	49		275	285		16,143		16,428		1
Total	309	$	10,972	42	$	3,321	101	$	12,651	452	$	26,944	$	5,647,309	$	5,674,253	$	1

	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:

	June 30, 2016		December 31, 2015
	(Dollars in thousands)
TDRs on accrual status	$	28,319	$	32,849
TDRs on nonaccrual	5,121		5,225
Total TDRs	$	33,440	$	38,074
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,592	$	1,628
Additional commitments to lend to a borrower who has been a party to a TDR	$	1,104	$	972

Change in investment recorded subsequent to modifications

	Three Months Ended					Six Months Ended
	June 30, 2016					June 30, 2016
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	4	$	253	$	253	7	$	528	$	528
Commercial real estate	4	918		918		6	1,343		1,343
Small business	2	109		109		2	109		109
Residential real estate	3	744		744		5	1,167		1,209
Home equity	3	123		123		4	304		304
Other consumer	1	22		22		5	107		107
Total	17	$	2,169	$	2,169	29	$	3,558	$	3,600

	Three Months Ended					Six Months Ended
	June 30, 2015					June 30, 2015
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	7	$	1,197	$	1,197	10	$	1,353	$	1,353
Commercial real estate	4	2,071		2,071		5	2,310		2,310
Small business	3	116		116		5	166		166
Residential real estate	—	—		—		3	157		157
Home equity	1	31		31		3	215		215
Total	15	$	3,415	$	3,415	26	$	4,201	$	4,201

(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 June 30				Six Months Ended June 30
	2016		2015		2016		2015
	(Dollars in thousands)				(Dollars in thousands)
Extended maturity	$	1,189	$	1,005	$	2,382	$	1,648
Adjusted interest rate	92		—		92		—
Combination rate and maturity	22		2,410		260		2,523
Court ordered concession	866		—		866		30
Total	$	2,169	$	3,415	$	3,600	$	4,201

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:

	Six Months Ended June 30
	2016			2015
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
	(Dollars in thousands)
Troubled debt restructurings that subsequently defaulted
Commercial real estate	—	$	—	2	$	880
Commercial and industrial	—	—		3	339
	—	$	—	5	$	1,219

Impaired loans by loan portfolio

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

	June 30, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,201	$	2,572	$	—
Commercial real estate	12,093		13,272		—
Small business	684		777		—
Residential real estate	4,283		4,601		—
Home equity	4,504		4,626		—
Other consumer	135		135		—
Subtotal	23,900		25,983		—
With an allowance recorded
Commercial and industrial	$	2,430	$	2,579	$	255
Commercial real estate	6,682		6,766		791
Small business	393		415		3
Residential real estate	10,359		11,338		1,188
Home equity	1,260		1,468		228
Other consumer	349		368		27
Subtotal	21,473		22,934		2,492
Total	$	45,373	$	48,917	$	2,492

	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				Six Months Ended
	June 30, 2016				June 30, 2016
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,349	$	15	$	2,415	$	30
Commercial real estate	12,205		103		12,327		207
Small business	677		5		691		11
Residential real estate	4,315		51		4,331		101
Home equity	4,537		46		4,567		93
Other consumer	138		3		142		5
Subtotal	24,221		223		24,473		447
With an allowance recorded
Commercial and industrial	$	2,458	$	6	$	2,487	$	12
Commercial real estate	6,716		51		6,744		102
Small business	401		6		410		13
Residential real estate	10,394		91		10,424		184
Home equity	1,311		13		1,316		23
Other consumer	357		2		362		4
Subtotal	21,637		169		21,743		338
Total	$	45,858	$	392	$	46,216	$	785

	Three Months Ended				Six Months Ended
	June 30, 2015				June 30, 2015
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	2,842	$	40	$	2,927	$	81
Commercial real estate	14,467		227		15,044		471
Commercial construction	310		3		311		7
Small business	459		6		471		13
Residential real estate	3,385		40		3,403		79
Home equity	4,585		51		4,613		102
Other consumer	1,204		6		1,074		11
Subtotal	27,252		373		27,843		764
With an allowance recorded
Commercial and industrial	$	2,712	$	31	$	2,749	$	62
Commercial real estate	15,231		204		15,292		406
Small business	442		7		453		15
Residential real estate	11,608		128		11,662		295
Home equity	1,336		16		1,345		31
Other consumer	472		5		490		9
Subtotal	31,801		391		31,991		818
Total	$	59,053	$	764	$	59,834	$	1,582

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

	June 30, 2016		December 31, 2015
	(Dollars in thousands)
Outstanding balance	$	22,293	$	23,199
Carrying amount	$	20,001	$	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 June 30						Six Months Ended June 30
	2016			2015			2016			2015
	(Dollars in thousands)
Beginning balance	$	2,779		$	2,628		$	2,827		$	2,974
Acquisition	—			—			—			319
Accretion	(420		)	(583		)	(829		)	(1,546		)
Other change in expected cash flows (1)	234			481			531			700
Reclassification from nonaccretable difference for loans which have paid off (2)	32			1			96			80
Ending balance	$	2,625		$	2,527		$	2,625		$	2,527

(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.