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

9 Months Ended

Sep. 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:

	September 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	$	823,007	$	3,060,211	$	395,267	$	129,676	$	735,454	$	1,045,445	$	9,550	$	6,198,610
Individually evaluated for impairment	$	35,515	$	19,018	$	—	$	980	$	13,649	$	6,636	$	322	$	76,120
Purchased credit impaired loans	$	—	$	7,931	$	—	$	—	$	7,027	$	214	$	—	$	15,172
Total loans by group	$	858,522	$	3,087,160	$	395,267	$	130,656	$	756,130	$	1,052,295	$	9,872	$	6,289,902	(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 September 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 $9.8 million and $8.6 million at September 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 September 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	$	13,544		$	30,947		$	4,814	$	1,613		$	2,693		$	5,353		$	515		$	59,479
Charge-offs	(124		)	—			—		(164		)	(43		)	(81		)	(405		)	(817		)
Recoveries	404			286			—		17			15			65			261			1,048
Provision (benefit)	(994		)	(233		)	806		140			111			89			81			—
Ending balance	$	12,830		$	31,000		$	5,620	$	1,606		$	2,776		$	5,426		$	452		$	59,710
	Three Months Ended September 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	$	14,027		$	29,011		$	5,216	$	1,441		$	2,578		$	4,986		$	468		$	57,727
Charge-offs	(27		)	(341		)	—		(98		)	—			(154		)	(523		)	(1,143		)
Recoveries	63			124			—		28			130			24			302			671
Provision (benefit)	(189		)	609			117		113			(44		)	196			148			950
Ending balance	$	13,874		$	29,403		$	5,333	$	1,484		$	2,664		$	5,052		$	395		$	58,205

	Nine Months Ended September 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	(3,715		)	—			—			(258		)	(182		)	(217		)	(1,151		)	(5,523		)
Recoveries	604			343			—			96			29			167			778			2,017
Provision (benefit)	(980		)	288			1,098			266			308			238			432			1,650
Ending balance	$	12,830		$	31,000		$	5,620		$	1,606		$	2,776		$	5,426		$	452		$	59,710
Ending balance: individually evaluated for impairment	$	71		$	49		$	—		$	1		$	1,020		$	257		$	19		$	1,417
Ending balance: collectively evaluated for impairment	$	12,759		$	30,951		$	5,620		$	1,605		$	1,756		$	5,169		$	433		$	58,293
	Nine Months Ended September 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	(31		)	(365		)	—			(191		)	(27		)	(491		)	(1,152		)	(2,257		)
Recoveries	850			535			—			122			182			77			796			2,562
Provision (benefit)	(747		)	1,906			(33		)	289			(81		)	577			164			2,075
Ending balance	$	13,874		$	29,403		$	5,333		$	1,484		$	2,664		$	5,052		$	395		$	58,205
Ending balance: individually evaluated for impairment	$	134		$	355		$	—		$	2		$	1,156		$	223		$	23		$	1,893
Ending balance: collectively evaluated for impairment	$	13,740		$	29,048		$	5,333		$	1,482		$	1,508		$	4,829		$	372		$	56,312

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:

		September 30, 2017
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	764,946	$	2,968,237	$	393,836	$	128,464	$	4,255,483
Potential weakness	7	23,477		73,219		—		1,543		98,239
Definite weakness-loss unlikely	8	63,856		45,240		1,431		646		111,173
Partial loss probable	9	6,243		464		—		3		6,710
Definite loss	10	—		—		—		—		—
Total		$	858,522	$	3,087,160	$	395,267	$	130,656	$	4,471,605

		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:

	September 30, 2017		December 31, 2016
Residential portfolio
FICO score (re-scored)(1)	745		743
LTV (re-valued)(2)	61.0	%	63.2	%
Home equity portfolio
FICO score (re-scored)(1)	766		767
LTV (re-valued)(2)	55.9	%	55.9	%

(1) The average FICO scores for September 30, 2017 are based upon rescores available from August 31, 2017 and origination score data for loans booked between September 1, 2017 and September 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 September 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:

	September 30, 2017		December 31, 2016
	(Dollars in thousands)
Commercial and industrial	$	32,556	$	37,455
Commercial real estate	3,052		6,266
Small business	403		302
Residential real estate	8,297		7,782
Home equity	5,903		5,553
Other consumer	59		47
Total nonaccrual loans (1)	$	50,270	$	57,405

(1) Included in these amounts were $5.8 million and $5.2 million of nonaccruing TDRs at September 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:

	September 30, 2017		December 31, 2016
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	2,538	$	3,775
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	1,608	$	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:

	September 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	12	$	839	2	$	315	45	$	32,490	59	$	33,644	$	824,878	$	858,522	$	—
Commercial real estate	10	4,413		—	—		8	1,755		18	6,168		3,080,992		3,087,160		—
Commercial construction	1	566		—	—		—	—		1	566		394,701		395,267		—
Small business	11	130		5	14		17	107		33	251		130,405		130,656		—
Residential real estate	12	1,125		10	2,392		20	2,843		42	6,360		749,770		756,130		—
Home equity	20	1,016		9	516		20	2,559		49	4,091		1,048,204		1,052,295		—
Other consumer (1)	229	226		10	38		12	14		251	278		9,594		9,872		7
Total	295	$	8,315	36	$	3,275	122	$	39,768	453	$	51,358	$	6,238,544	$	6,289,902	$	7

	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:

	September 30, 2017		December 31, 2016
	(Dollars in thousands)
TDRs on accrual status	$	26,731	$	27,093
TDRs on nonaccrual	5,776		5,199
Total TDRs	$	32,507	$	32,292
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,417	$	1,417
Additional commitments to lend to a borrower who has been a party to a TDR	$	1,084	$	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					Nine Months Ended
	September 30, 2017					September 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	1	$	196	$	196	9	$	1,575	$	1,575
Commercial real estate	—	—		—		6	1,884		1,884
Small business	2	183		183		10	447		447
Residential real estate	—	—		—		5	889		900
Home equity	4	436		436		14	1,427		1,430
Total	7	$	815	$	815	44	$	6,222	$	6,236

	Three Months Ended					Nine Months Ended
	September 30, 2016					September 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	—	$	—	$	—	7	$	528	$	528
Commercial real estate	3	986		986		9	2,329		2,329
Small business	1	59		59		3	168		168
Residential real estate	—	—		—		5	1,167		1,209
Home equity	4	328		328		8	632		632
Other consumer	—	—		—		5	107		107
Total	8	$	1,373	$	1,373	37	$	4,931	$	4,973

(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 during the periods indicated:

	Three Months Ended September 30				Nine Months Ended September 30
	2017		2016		2017		2016
	(Dollars in thousands)				(Dollars in thousands)
Extended maturity	$	486	$	256	$	4,565	$	2,638
Adjusted interest rate	—		—		—		92
Combination rate and maturity	196		730		196		990
Court ordered concession	133		387		1,475		1,253
Total	$	815	$	1,373	$	6,236	$	4,973

Impaired loans by loan portfolio

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

	September 30, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	33,824	$	38,181	$	—
Commercial real estate	14,462		15,476		—
Small business	678		762		—
Residential real estate	3,908		4,066		—
Home equity	4,880		4,984		—
Other consumer	97		97		—
Subtotal	57,849		63,566		—
With an allowance recorded
Commercial and industrial	$	1,691	$	1,691	$	71
Commercial real estate	4,556		4,670		49
Small business	302		315		1
Residential real estate	9,741		10,421		1,020
Home equity	1,756		1,977		257
Other consumer	225		227		19
Subtotal	18,271		19,301		1,417
Total	$	76,120	$	82,867	$	1,417

	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				Nine Months Ended
	September 30, 2017				September 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	$	33,935	$	18	$	36,329	$	179
Commercial real estate	14,569		151		14,798		460
Small business	682		5		702		17
Residential real estate	3,928		51		3,962		152
Home equity	4,883		50		4,935		146
Other consumer	99		2		104		5
Subtotal	58,096		277		60,830		959
With an allowance recorded
Commercial and industrial	$	1,698	$	21	$	1,768	$	65
Commercial real estate	4,569		65		4,599		195
Small business	305		3		315		11
Residential real estate	9,752		79		9,838		234
Home equity	1,765		14		1,782		41
Other consumer	229		2		237		5
Subtotal	18,318		184		18,539		551
Total	$	76,414	$	461	$	79,369	$	1,510

	Three Months Ended				Nine Months Ended
	September 30, 2016				September 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	$	2,444	$	16	$	2,584	$	48
Commercial real estate	11,549		115		11,775		348
Small business	646		5		679		18
Residential real estate	4,255		42		4,286		134
Home equity	4,616		45		4,677		138
Other consumer	162		3		168		9
Subtotal	23,672		226		24,169		695
With an allowance recorded
Commercial and industrial	$	2,097	$	4	$	2,135	$	13
Commercial real estate	6,854		42		6,977		126
Small business	367		6		384		17
Residential real estate	10,004		92		10,071		272
Home equity	1,299		13		1,310		36
Other consumer	265		2		272		6
Subtotal	20,886		159		21,149		470
Total	$	44,558	$	385	$	45,318	$	1,165

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:

	September 30, 2017		December 31, 2016
	(Dollars in thousands)
Outstanding balance	$	17,025	$	20,477
Carrying amount	$	15,172	$	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 September 30						Nine Months Ended September 30
	2017			2016			2017			2016
	(Dollars in thousands)
Beginning balance	$	2,185		$	2,625		$	2,370		$	2,827
Accretion	(359		)	(359		)	(968		)	(1,188		)
Other change in expected cash flows (1)	167			213			573			744
Reclassification from nonaccretable difference for loans which have paid off (2)	70			—			88			96
Ending balance	$	2,063		$	2,479		$	2,063		$	2,479

(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.