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

3 Months Ended

Mar. 31, 2018

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, 2018
	(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	$	870,110	$	3,079,910	$	400,934	$	132,813	$	742,744	$	1,044,316	$	8,896	$	6,279,723
Individually evaluated for impairment	$	33,104	$	16,470	$	—	$	853	$	13,278	$	6,926	$	292	$	70,923
Purchased credit impaired loans	$	—	$	5,891	$	—	$	—	$	5,309	$	210	$	—	$	11,410
Total loans by group	$	903,214	$	3,102,271	$	400,934	$	133,666	$	761,331	$	1,051,452	$	9,188	$	6,362,056	(1	)

	December 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	$	853,885	$	3,093,945	$	401,797	$	131,667	$	733,809	$	1,045,053	$	9,573	$	6,269,729
Individually evaluated for impairment	$	34,643	$	16,638	$	—	$	703	$	13,684	$	6,826	$	307	$	72,801
Purchased credit impaired loans	$	—	$	5,978	$	—	$	—	$	6,836	$	209	$	—	$	13,023
Total loans by group	$	888,528	$	3,116,561	$	401,797	$	132,370	$	754,329	$	1,052,088	$	9,880	$	6,355,553	(1	)

(1) The amount of net deferred costs on originated loans included in the ending balance was $6.4 million and $6.1 million at March 31, 2018 and December 31, 2017, respectively. Net unamortized discounts on acquired loans not deemed to be purchased credit impaired ("PCI") included in the ending balance was $9.1 million and $9.4 million at March 31, 2018 and December 31, 2017, 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, 2018
	(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	$	13,256		$	31,453		$	5,698		$	1,577		$	2,822		$	5,390		$	447		$	60,643
Charge-offs	(133		)	—			—			(24		)	(39		)	(79		)	(318		)	(593		)
Recoveries	12			20			—			9			2			34			235			312
Provision (benefit)	398			(14		)	(19		)	31			52			14			38			500
Ending balance	$	13,533		$	31,459		$	5,679		$	1,593		$	2,837		$	5,359		$	402		$	60,862
Ending balance: collectively evaluated for impairment	$	13,524		$	31,422		$	5,679		$	1,590		$	1,893		$	5,111		$	386		$	59,605
Ending balance: individually evaluated for impairment	$	9		$	37		$	—		$	3		$	944		$	248		$	16		$	1,257
	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

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

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

		March 31, 2018
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	829,401	$	2,992,497	$	399,568	$	131,237	$	4,352,703
Potential weakness	7	15,910		70,879		947		1,404		89,140
Definite weakness-loss unlikely	8	51,782		38,431		419		1,022		91,654
Partial loss probable	9	6,121		464		—		3		6,588
Definite loss	10	—		—		—		—		—
Total		$	903,214	$	3,102,271	$	400,934	$	133,666	$	4,540,085

		December 31, 2017
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	806,331	$	3,007,672	$	400,964	$	130,265	$	4,345,232
Potential weakness	7	16,563		69,788		—		1,471		87,822
Definite weakness-loss unlikely	8	59,415		38,637		833		631		99,516
Partial loss probable	9	6,219		464		—		3		6,686
Definite loss	10	—		—		—		—		—
Total		$	888,528	$	3,116,561	$	401,797	$	132,370	$	4,539,256

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, 2018		December 31, 2017
Residential portfolio
FICO score (re-scored)(1)	747		745
LTV (re-valued)(2)	58.2	%	59.2	%
Home equity portfolio
FICO score (re-scored)(1)	768		766
LTV (re-valued)(2)(3)	48.7	%	50.1	%

(1) The average FICO scores at March 31, 2018 are based upon rescores available from February 2018 and origination score data for loans booked in March 2018. The average FICO scores at December 31, 2017 are based upon rescores available from August 2017 and origination score data for loans booked between September and December 2017.

(2) The combined LTV ratios for March 31, 2018 are based upon updated automated valuations as of February 2018, when available or the most current valuation data available. The combined LTV ratios for December 31, 2017 are based upon updated automated valuations as of August 2017, when available, or the most current valuation data available. The updated automated valuations provides new information on loans that may be available since the previous valuation was obtained. If no new information is available, the valuation will default to the previously obtained data or most recent appraisal.

(3) For home equity loans and lines in a subordinate lien, 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, 2018		December 31, 2017
	(Dollars in thousands)
Commercial and industrial	$	30,751	$	32,055
Commercial real estate	2,997		3,123
Small business	412		230
Residential real estate	7,646		8,129
Home equity	5,858		6,022
Other consumer	40		71
Total nonaccrual loans (1)	$	47,704	$	49,630

(1)Included in these amounts were $5.6 million and $6.1 million of nonaccruing TDRs at March 31, 2018 and December 31, 2017, 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, 2018		December 31, 2017
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	358	$	612
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	2,094	$	2,971

Age analysis of past due financing receivables

The following tables show the age analysis of past due financing receivables as of the dates indicated:

	March 31, 2018
	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	4	$	411	2	$	101	14	$	30,638	20	$	31,150	$	872,064	$	903,214	$	—
Commercial real estate	9	3,127		4	1,253		6	1,413		19	5,793		3,096,478		3,102,271		—
Commercial construction	2	855		—	—		—	—		2	855		400,079		400,934		—
Small business	11	107		8	69		23	347		42	523		133,143		133,666		—
Residential real estate	13	1,834		7	1,100		19	3,052		39	5,986		755,345		761,331		—
Home equity	22	2,266		8	882		26	2,440		56	5,588		1,045,864		1,051,452		—
Other consumer (1)	221	104		7	2		18	20		246	126		9,062		9,188		9
Total	282	$	8,704	36	$	3,407	106	$	37,910	424	$	50,021	$	6,312,035	$	6,362,056	$	9

	December 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	2	$	195	2	$	370	14	$	32,007	18	$	32,572	$	855,956	$	888,528	$	—
Commercial real estate	7	3,060		—	—		9	1,793		16	4,853		3,111,708		3,116,561		—
Commercial construction	—	—		—	—		—	—		—	—		401,797		401,797		—
Small business	17	339		11	144		10	57		38	540		131,830		132,370		—
Residential real estate	6	870		13	2,385		22	3,471		41	6,726		747,603		754,329		—
Home equity	22	1,310		6	451		20	2,025		48	3,786		1,048,302		1,052,088		—
Other consumer (1)	265	197		16	27		17	45		298	269		9,611		9,880		8
Total	319	$	5,971	48	$	3,377	92	$	39,398	459	$	48,746	$	6,306,807	$	6,355,553	$	8

(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, 2018		December 31, 2017
	(Dollars in thousands)
TDRs on accrual status	$	25,617	$	25,852
TDRs on nonaccrual	5,637		6,067
Total TDRs	$	31,254	$	31,919
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,257	$	1,342
Additional commitments to lend to a borrower who has been a party to a TDR	$	600	$	487

Change in investment recorded subsequent to modifications

The following tables show 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, 2018
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial real estate	1	445		445
Home equity	2	242		242
Total	3	$	687	$	687

	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

(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 March 31
	2018		2017
	(Dollars in thousands)
Extended maturity	$	445	$	1,207
Court ordered concession	242		90
Total	$	687	$	1,297

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, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	32,878	$	38,785	$	—
Commercial real estate	14,747		15,894		—
Small business	727		797		—
Residential real estate	4,234		4,367		—
Home equity	5,248		5,357		—
Other consumer	85		86		—
Subtotal	57,919		65,286		—
With an allowance recorded
Commercial and industrial	$	226	$	226	$	9
Commercial real estate	1,723		1,723		37
Small business	126		132		3
Residential real estate	9,044		9,790		944
Home equity	1,678		1,919		248
Other consumer	207		209		16
Subtotal	13,004		13,999		1,257
Total	$	70,923	$	79,285	$	1,257

	December 31, 2017
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	34,267	$	38,329	$	—
Commercial real estate	13,245		14,374		—
Small business	556		619		—
Residential real estate	4,264		4,397		—
Home equity	4,950		5,056		—
Other consumer	91		92		—
Subtotal	57,373		62,867		—
With an allowance recorded
Commercial and industrial	$	376	$	376	$	10
Commercial real estate	3,393		3,399		42
Small business	147		153		1
Residential real estate	9,420		10,154		1,007
Home equity	1,876		2,110		265
Other consumer	216		217		17
Subtotal	15,428		16,409		1,342
Total	$	72,801	$	79,276	$	1,342

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, 2018
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	33,784	$	31
Commercial real estate	14,855		157
Small business	710		5
Residential real estate	4,254		53
Home equity	5,280		53
Other consumer	87		1
Subtotal	58,970		300
With an allowance recorded
Commercial and industrial	$	227	$	2
Commercial real estate	1,730		24
Small business	131		2
Residential real estate	9,060		71
Home equity	1,688		12
Other consumer	211		2
Subtotal	13,047		113
Total	$	72,017	$	413

	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

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, 2018		December 31, 2017
	(Dollars in thousands)
Outstanding balance	$	12,868	$	14,485
Carrying amount	$	11,410	$	13,023

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
	2018			2017
	(Dollars in thousands)
Beginning balance	$	1,791		$	2,370
Accretion	(215		)	(307		)
Other change in expected cash flows (1)	44			216
Reclassification from nonaccretable difference for loans which have paid off (2)	22			—
Ending balance	$	1,642		$	2,279

(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.