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

3 Months Ended

Mar. 31, 2017

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, 2017
	(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	$	842,891	$	3,002,407	$	356,173	$	125,628	$	632,634	$	1,002,898	$	10,057	$	5,972,688
Individually evaluated for impairment	$	38,438	$	14,766	$	—	$	746	$	13,674	$	5,685	$	358	$	73,667
Purchased credit impaired loans	$	—	$	10,132	$	—	$	—	$	7,691	$	188	$	—	$	18,011
Total loans by group	$	881,329	$	3,027,305	$	356,173	$	126,374	$	653,999	$	1,008,771	$	10,415	$	6,064,366	(1	)

	December 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	$	862,875	$	2,983,642	$	320,391	$	121,855	$	622,392	$	982,095	$	10,666	$	5,903,916
Individually evaluated for impairment	$	39,178	$	16,813	$	—	$	871	$	14,175	$	5,863	$	397	$	77,297
Purchased credit impaired loans	$	—	$	10,343	$	—	$	—	$	7,859	$	189	$	1	$	18,392
Total loans by group	$	902,053	$	3,010,798	$	320,391	$	122,726	$	644,426	$	988,147	$	11,064	$	5,999,605	(1	)

(1) The amount of net deferred costs on originated loans included in the ending balance was $5.5 million and $5.1 million at March 31, 2017 and December 31, 2016 respectively. Net unamortized discounts on acquired loans not deemed to be purchased credit impaired ("PCI") included in the ending balance was $8.3 million and $8.6 million at March 31, 2017 and December 31, 2016, 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, 2017
	(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	$	16,921		$	30,369	$	4,522		$	1,502		$	2,621		$	5,238		$	393		$	61,566
Charge-offs	—			—		—			(70		)	(23		)	(14		)	(401		)	(508		)
Recoveries	187			31		—			66			12			76			288			660
Provision (benefit)	(590		)	343		501			35			106			45			160			600
Ending balance	$	16,518		$	30,743	$	5,023		$	1,533		$	2,716		$	5,345		$	440		$	62,318
Ending balance: collectively evaluated for impairment	$	12,960		$	30,570	$	5,023		$	1,531		$	1,650		$	5,110		$	419		$	57,263
Ending balance: individually evaluated for impairment	$	3,558		$	173	$	—		$	2		$	1,066		$	235		$	21		$	5,055
	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

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

The following table details the amount of outstanding principal balances relative to each of the risk-rating categories for the Company’s commercial portfolio:

		March 31, 2017
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	782,142	$	2,900,222	$	354,245	$	123,998	$	4,160,607
Potential weakness	7	36,868		89,588		1,096		1,542		129,094
Definite weakness-loss unlikely	8	62,219		35,079		832		828		98,958
Partial loss probable	9	100		2,416		—		6		2,522
Definite loss	10	—		—		—		—		—
Total		$	881,329	$	3,027,305	$	356,173	$	126,374	$	4,391,181

		December 31, 2016
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	783,825	$	2,876,570	$	317,099	$	120,304	$	4,097,798
Potential weakness	7	46,176		84,641		1,363		1,859		134,039
Definite weakness-loss unlikely	8	71,991		47,164		1,929		556		121,640
Partial loss probable	9	61		2,423		—		7		2,491
Definite loss	10	—		—		—		—		—
Total		$	902,053	$	3,010,798	$	320,391	$	122,726	$	4,355,968

Weighted average FICO scores and the weighted average combined LTV ratio

The following table shows the weighted average FICO scores and the weighted average combined LTV ratios as of the periods indicated below:

	March 31, 2017		December 31, 2016
Residential portfolio
FICO score (re-scored)(1)	744		743
LTV (re-valued)(2)	63.4	%	63.2	%
Home equity portfolio
FICO score (re-scored)(1)	767		767
LTV (re-valued)(2)	54.9	%	55.9	%

(1) The average FICO scores for March 31, 2017 and December 31, 2016 are based upon rescores available from November 30, 2016 and origination score data for loans booked between December 1, 2016 and the dates indicated.

(2) The combined LTV ratios for March 31, 2017 and December 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 through the dates indicated. 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

The following table shows information regarding nonaccrual loans at the dates indicated:

	March 31, 2017		December 31, 2016
	(Dollars in thousands)
Commercial and industrial	$	36,877	$	37,455
Commercial real estate	4,792		6,266
Small business	207		302
Residential real estate	7,139		7,782
Home equity	5,987		5,553
Other consumer	48		47
Total nonaccrual loans (1)	$	55,050	$	57,405

(1) Included in these amounts were $5.4 million and $5.2 million of nonaccruing TDRs at March 31, 2017 and December 31, 2016, 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, 2017		December 31, 2016
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	3,006	$	3,775
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	2,277	$	1,715

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, 2017
	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	10	$	3,089	6	$	14,666	34	$	1,123	50	$	18,878	$	862,451	$	881,329	$	—
Commercial real estate	15	3,158		—	—		9	3,141		24	6,299		3,021,006		3,027,305		—
Commercial construction	—	—		—	—		—	—		—	—		356,173		356,173		—
Small business	9	331		8	108		13	120		30	559		125,815		126,374		—
Residential real estate	11	1,867		6	968		23	3,258		40	6,093		647,906		653,999		—
Home equity	14	1,156		6	460		18	1,417		38	3,033		1,005,738		1,008,771		—
Other consumer (1)	226	151		14	42		17	16		257	209		10,206		10,415		2
Total	285	$	9,752	40	$	16,244	114	$	9,075	439	$	35,071	$	6,029,295	$	6,064,366	$	2

	December 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	8	$	100	32	$	253	6	$	2,480	46	$	2,833	$	899,220	$	902,053	$	—
Commercial real estate	5	1,518		8	1,957		8	3,105		21	6,580		3,004,218		3,010,798		—
Commercial construction	—	—		—	—		—	—		—	—		320,391		320,391		—
Small business	9	323		—	—		19	140		28	463		122,263		122,726		—
Residential real estate	11	1,277		9	1,950		27	3,507		47	6,734		637,692		644,426		—
Home equity	19	1,117		11	767		16	1,209		46	3,093		985,054		988,147		—
Other consumer (1)	249	184		12	17		15	7		276	208		10,856		11,064		2
Total	301	$	4,519	72	$	4,944	91	$	10,448	464	$	19,911	$	5,979,694	$	5,999,605	$	2

(1) Other consumer portfolio is inclusive of deposit account overdrafts recorded as loan balances.

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, 2017		December 31, 2016
	(Dollars in thousands)
TDRs on accrual status	$	25,575	$	27,093
TDRs on nonaccrual	5,439		5,199
Total TDRs	$	31,014	$	32,292
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,439	$	1,417
Additional commitments to lend to a borrower who has been a party to a TDR	$	2,116	$	1,378

Change in investment recorded subsequent to modifications

The following table shows the modifications which occurred during the periods indicated and the change in the recorded investment subsequent to the modifications occurring:

	Three Months Ended
	March 31, 2017
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	2	$	80	$	80
Commercial real estate	4	934		934
Small business	4	143		143
Home equity	2	140		140
Total	12	$	1,297	$	1,297

	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

(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
	2017		2016
	(Dollars in thousands)
Extended maturity	$	1,207	$	1,195
Combination rate and maturity	—		238
Court ordered concession	90		—
Total	$	1,297	$	1,433

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, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	28,319	$	29,280	$	—
Commercial real estate	9,596		10,742		—
Small business	300		359		—
Residential real estate	3,640		3,858		—
Home equity	4,289		4,378		—
Other consumer	117		118		—
Subtotal	46,261		48,735		—
With an allowance recorded
Commercial and industrial	$	10,119	$	10,220	$	3,558
Commercial real estate	5,170		5,516		173
Small business	446		462		2
Residential real estate	10,034		10,626		1,066
Home equity	1,396		1,568		235
Other consumer	241		242		21
Subtotal	27,406		28,634		5,055
Total	$	73,667	$	77,369	$	5,055

	December 31, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	28,776	$	29,772	$	—
Commercial real estate	11,628		12,891		—
Commercial construction	—		—		—
Small business	494		569		—
Residential real estate	4,216		4,427		—
Home equity	4,485		4,572		—
Other consumer	146		146		—
Subtotal	49,745		52,377		—
With an allowance recorded
Commercial and industrial	$	10,402	$	10,440	$	3,661
Commercial real estate	5,185		5,533		196
Small business	377		392		8
Residential real estate	9,959		10,530		1,086
Home equity	1,378		1,547		242
Other consumer	251		252		21
Subtotal	27,552		28,694		5,214
Total	$	77,297	$	81,071	$	5,214

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, 2017
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	39,193	$	208
Commercial real estate	9,678		91
Small business	304		3
Residential real estate	3,671		43
Home equity	4,323		44
Other consumer	120		2
Subtotal	57,289		391
With an allowance recorded
Commercial and industrial	$	10,178	$	4
Commercial real estate	5,189		50
Small business	457		5
Residential real estate	10,057		85
Home equity	1,402		13
Other consumer	245		2
Subtotal	27,528		159
Total	$	84,817	$	550

	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
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

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

The following table displays certain information pertaining to PCI loans at the dates indicated:

	March 31, 2017		December 31, 2016
	(Dollars in thousands)
Outstanding balance	$	20,034	$	20,477
Carrying amount	$	18,011	$	18,392

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
	2017			2016
	(Dollars in thousands)
Beginning balance	$	2,370		$	2,827
Acquisition	—			—
Accretion	(307		)	(409		)
Other change in expected cash flows (1)	216			297
Reclassification from nonaccretable difference for loans which have paid off (2)	—			64
Ending balance	$	2,279		$	2,779

(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.