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

6 Months Ended

Jun. 30, 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:

	June 30, 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	$	874,664	$	3,055,924	$	340,757	$	130,804	$	728,109	$	1,037,064	$	10,124	$	6,177,446
Individually evaluated for impairment	$	36,272	$	17,065	$	—	$	859	$	13,879	$	6,190	$	345	$	74,610
Purchased credit impaired loans	$	—	$	10,031	$	—	$	—	$	7,404	$	205	$	—	$	17,640
Total loans by group	$	910,936	$	3,083,020	$	340,757	$	131,663	$	749,392	$	1,043,459	$	10,469	$	6,269,696	(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 $5.6 million and $5.1 million at June 30, 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 $10.2 million and $8.6 million at June 30, 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 June 30, 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	$	16,518		$	30,743		$	5,023		$	1,533		$	2,716		$	5,345		$	440		$	62,318
Charge-offs	(3,591		)	—			—			(24		)	(116		)	(122		)	(345		)	(4,198		)
Recoveries	13			26			—			13			2			26			229			309
Provision (benefit)	604			178			(209		)	91			91			104			191			1,050
Ending balance	$	13,544		$	30,947		$	4,814		$	1,613		$	2,693		$	5,353		$	515		$	59,479
	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

	Six Months Ended June 30, 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	(3,591		)	—			—			(94		)	(139		)	(136		)	(746		)	(4,706		)
Recoveries	200			57			—			79			14			102			517			969
Provision	14			521			292			126			197			149			351			1,650
Ending balance	$	13,544		$	30,947		$	4,814		$	1,613		$	2,693		$	5,353		$	515		$	59,479
Ending balance: individually evaluated for impairment	$	70		$	166		$	—		$	1		$	1,036		$	243		$	20		$	1,536
Ending balance: collectively evaluated for impairment	$	13,474		$	30,781		$	4,814		$	1,612		$	1,657		$	5,110		$	495		$	57,943
	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

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:

		June 30, 2017
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	812,178	$	2,951,048	$	338,208	$	129,275	$	4,230,709
Potential weakness	7	23,925		89,313		1,633		1,612		116,483
Definite weakness-loss unlikely	8	68,563		40,247		916		771		110,497
Partial loss probable	9	6,270		2,412		—		5		8,687
Definite loss	10	—		—		—		—		—
Total		$	910,936	$	3,083,020	$	340,757	$	131,663	$	4,466,376

		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:

	June 30, 2017		December 31, 2016
Residential portfolio
FICO score (re-scored)(1)	744		743
LTV (re-valued)(2)	60.9	%	63.2	%
Home equity portfolio
FICO score (re-scored)(1)	766		767
LTV (re-valued)(2)	55.5	%	55.9	%

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

(2) The combined LTV ratios for June 30, 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:

	June 30, 2017		December 31, 2016
	(Dollars in thousands)
Commercial and industrial	$	33,630	$	37,455
Commercial real estate	4,679		6,266
Small business	453		302
Residential real estate	7,683		7,782
Home equity	5,240		5,553
Other consumer	90		47
Total nonaccrual loans (1)	$	51,775	$	57,405

(1) Included in these amounts were $5.7 million and $5.2 million of nonaccruing TDRs at June 30, 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:

	June 30, 2017		December 31, 2016
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	2,669	$	3,775
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	1,563	$	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:

	June 30, 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	3	$	222	7	$	18,644	42	$	14,716	52	$	33,582	$	877,354	$	910,936	$	—
Commercial real estate	8	3,847		2	422		9	3,121		19	7,390		3,075,630		3,083,020		—
Commercial construction	—	—		—	—		—	—		—	—		340,757		340,757		—
Small business	10	198		5	49		16	311		31	558		131,105		131,663		—
Residential real estate	14	1,712		8	1,529		18	3,051		40	6,292		743,100		749,392		—
Home equity	17	946		10	1,258		15	1,256		42	3,460		1,039,999		1,043,459		—
Other consumer (1)	223	147		9	44		22	42		254	233		10,236		10,469		8
Total	275	$	7,072	41	$	21,946	122	$	22,497	438	$	51,515	$	6,218,181	$	6,269,696	$	8

	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:

	June 30, 2017		December 31, 2016
	(Dollars in thousands)
TDRs on accrual status	$	26,908	$	27,093
TDRs on nonaccrual	5,728		5,199
Total TDRs	$	32,636	$	32,292
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,421	$	1,417
Additional commitments to lend to a borrower who has been a party to a TDR	$	817	$	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					Six Months Ended
	June 30, 2017					June 30, 2017
	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	6	$	1,299	$	1,299	8	$	1,379	$	1,379
Commercial real estate	2	950		950		6	1,884		1,884
Small business	4	121		121		8	264		264
Residential real estate	5	889		900		5	889		900
Home equity	8	851		854		10	991		994
Total	25	$	4,110	$	4,124	37	$	5,407	$	5,421

	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

(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
	2017		2016		2017		2016
	(Dollars in thousands)				(Dollars in thousands)
Extended maturity	$	2,872	$	1,189	$	4,079	$	2,382
Adjusted interest rate	—		92		—		92
Combination rate and maturity	—		22		—		260
Court ordered concession	1,252		866		1,342		866
Total	$	4,124	$	2,169	$	5,421	$	3,600

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, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	34,807	$	39,396	$	—
Commercial real estate	11,450		12,623		—
Small business	547		616		—
Residential real estate	4,041		4,216		—
Home equity	4,708		4,808		—
Other consumer	112		113		—
Subtotal	55,665		61,772		—
With an allowance recorded
Commercial and industrial	$	1,465	$	1,465	$	70
Commercial real estate	5,615		5,961		166
Small business	312		327		1
Residential real estate	9,838		10,475		1,036
Home equity	1,482		1,687		243
Other consumer	233		234		20
Subtotal	18,945		20,149		1,536
Total	$	74,610	$	81,921	$	1,536

	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		—
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				Six Months Ended
	June 30, 2017				June 30, 2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	49,477	$	19	$	49,502	$	240
Commercial real estate	11,547		110		11,655		217
Small business	549		3		559		7
Residential real estate	4,064		48		4,082		96
Home equity	4,746		48		4,781		96
Other consumer	114		2		118		4
Subtotal	70,497		230		70,697		660
With an allowance recorded
Commercial and industrial	$	1,521	$	18	$	1,555	$	37
Commercial real estate	5,633		56		5,656		112
Small business	316		3		321		7
Residential real estate	9,841		77		9,882		157
Home equity	1,489		13		1,497		26
Other consumer	237		2		241		3
Subtotal	19,037		169		19,152		342
Total	$	89,534	$	399	$	89,849	$	1,002

	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

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:

	June 30, 2017		December 31, 2016
	(Dollars in thousands)
Outstanding balance	$	19,606	$	20,477
Carrying amount	$	17,640	$	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 June 30						Six Months Ended June 30
	2017			2016			2017			2016
	(Dollars in thousands)
Beginning balance	$	2,279		$	2,779		$	2,370		$	2,827
Acquisition	—			—			—			—
Accretion	(302		)	(420		)	(609		)	(829		)
Other change in expected cash flows (1)	190			234			406			531
Reclassification from nonaccretable difference for loans which have paid off (2)	18			32			18			96
Ending balance	$	2,185		$	2,625		$	2,185		$	2,625

(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.