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

6 Months Ended

Jun. 30, 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:

	June 30, 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	$	943,722	$	3,110,500	$	364,225	$	146,334	$	761,476	$	1,062,334	$	11,335	$	6,399,926
Individually evaluated for impairment	$	32,542	$	15,016	$	—	$	803	$	12,705	$	6,759	$	255	$	68,080
Purchased credit impaired loans	$	—	$	5,821	$	—	$	—	$	5,240	$	204	$	—	$	11,265
Total loans by group	$	976,264	$	3,131,337	$	364,225	$	147,137	$	779,421	$	1,069,297	$	11,590	$	6,479,271	(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 $6.7 million and $6.1 million at June 30, 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 $8.8 million and $9.4 million at June 30, 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 June 30, 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	$	13,533		$	31,459	$	5,679		$	1,593		$	2,837		$	5,359		$	402		$	60,862
Charge-offs	(4		)	—		—			(102		)	(109		)	(95		)	(259		)	(569		)
Recoveries	59			18		—			10			1			23			153			264
Provision (benefit)	1,200			618		(463		)	208			180			181			76			2,000
Ending balance	$	14,788		$	32,095	$	5,216		$	1,709		$	2,909		$	5,468		$	372		$	62,557
	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

	Six Months Ended June 30, 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	(137		)	—		—			(126		)	(148		)	(174		)	(577		)	(1,162		)
Recoveries	71			38		—			19			3			57			388			576
Provision (benefit)	1,598			604		(482		)	239			232			195			114			2,500
Ending balance	$	14,788		$	32,095	$	5,216		$	1,709		$	2,909		$	5,468		$	372		$	62,557
Ending balance: collectively evaluated for impairment	$	14,780		$	32,021	$	5,216		$	1,708		$	2,050		$	5,237		$	358		$	61,370
Ending balance: individually evaluated for impairment	$	8		$	74	$	—		$	1		$	859		$	231		$	14		$	1,187
	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 (benefit)	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: collectively evaluated for impairment	$	13,474		$	30,781	$	4,814		$	1,612		$	1,657		$	5,110		$	495		$	57,943
Ending balance: individually evaluated for impairment	$	70		$	166	$	—		$	1		$	1,036		$	243		$	20		$	1,536

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:

		June 30, 2018
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	896,554	$	3,037,955	$	364,225	$	144,865	$	4,443,599
Potential weakness	7	17,294		47,608		—		1,293		66,195
Definite weakness-loss unlikely	8	56,413		45,311		—		977		102,701
Partial loss probable	9	6,003		463		—		2		6,468
Definite loss	10	—		—		—		—		—
Total		$	976,264	$	3,131,337	$	364,225	$	147,137	$	4,618,963

		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:

	June 30, 2018		December 31, 2017
Residential portfolio
FICO score (re-scored)(1)	747		745
LTV (re-valued)(2)	58.1	%	59.2	%
Home equity portfolio
FICO score (re-scored)(1)	768		766
LTV (re-valued)(2)(3)	49.2	%	50.1	%

(1) The average FICO scores at June 30, 2018 are based upon rescores available from February 2018 and origination score data for loans booked between March and June 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 June 30, 2018 are based upon updated automated valuations as of May 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:

	June 30, 2018		December 31, 2017
	(Dollars in thousands)
Commercial and industrial	$	30,095	$	32,055
Commercial real estate	3,110		3,123
Small business	384		230
Residential real estate	7,612		8,129
Home equity	5,861		6,022
Other consumer	36		71
Total nonaccrual loans (1)	$	47,098	$	49,630

(1)Included in these amounts were $4.1 million and $6.1 million of nonaccruing TDRs at June 30, 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:

	June 30, 2018		December 31, 2017
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	245	$	612
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	2,152	$	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:

	June 30, 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	5	$	291	2	$	368	12	$	30,042	19	$	30,701	$	945,563	$	976,264	$	—
Commercial real estate	12	9,675		3	2,534		9	2,272		24	14,481		3,116,856		3,131,337		—
Commercial construction	—	—		—	—		—	—		—	—		364,225		364,225		—
Small business	8	120		8	59		14	286		30	465		146,672		147,137		—
Residential real estate	15	2,567		7	908		18	3,405		40	6,880		772,541		779,421		—
Home equity	21	1,388		11	1,191		24	2,618		56	5,197		1,064,100		1,069,297		—
Other consumer (1)	205	81		9	11		10	22		224	114		11,476		11,590		14
Total	266	$	14,122	40	$	5,071	87	$	38,645	393	$	57,838	$	6,421,433	$	6,479,271	$	14

	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:

	June 30, 2018		December 31, 2017
	(Dollars in thousands)
TDRs on accrual status	$	25,528	$	25,852
TDRs on nonaccrual	4,095		6,067
Total TDRs	$	29,623	$	31,919
Amount of specific reserves included in the allowance for loan losses associated with TDRs	$	1,149	$	1,342
Additional commitments to lend to a borrower who has been a party to a TDR	$	767	$	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					Six Months Ended
	June 30, 2018					June 30, 2018
	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 real estate	—	—		—		1	445		445
Residential real estate	1	149		149		1	149		149
Home equity	4	230		230		6	472		472
Total	5	$	379	$	379	8	$	1,066	$	1,066

	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

(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				Six Months Ended
	June 30				June 30
	2018		2017		2018		2017
	(Dollars in thousands)				(Dollars in thousands)
Extended maturity	$	—	$	2,872	$	445	$	4,079
Court ordered concession	379		1,252		621		1,342
Total	$	379	$	4,124	$	1,066	$	5,421

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, 2018
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	32,319	$	38,662	$	—
Commercial real estate	12,858		13,719		—
Small business	645		744		—
Residential real estate	4,803		4,945		—
Home equity	5,037		5,243		—
Other consumer	64		65		—
Subtotal	55,726		63,378		—
With an allowance recorded
Commercial and industrial	$	223	$	223	$	8
Commercial real estate	2,158		2,282		74
Small business	158		166		1
Residential real estate	7,902		8,752		859
Home equity	1,722		1,942		231
Other consumer	191		193		14
Subtotal	12,354		13,558		1,187
Total	$	68,080	$	76,936	$	1,187

	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				Six Months Ended
	June 30, 2018				June 30, 2018
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	32,557	$	34	$	33,198	$	68
Commercial real estate	13,018		148		13,131		295
Small business	672		3		703		8
Residential real estate	4,825		60		4,842		119
Home equity	5,100		54		5,160		106
Other consumer	66		1		68		2
Subtotal	56,238		300		57,102		598
With an allowance recorded
Commercial and industrial	$	225	$	2	$	226	$	5
Commercial real estate	2,165		24		2,172		48
Small business	163		3		169		6
Residential real estate	8,003		68		8,045		136
Home equity	1,732		15		1,744		27
Other consumer	194		1		198		3
Subtotal	12,482		113		12,554		225
Total	$	68,720	$	413	$	69,656	$	823

	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

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, 2018		December 31, 2017
	(Dollars in thousands)
Outstanding balance	$	12,702	$	14,485
Carrying amount	$	11,265	$	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 June 30						Six Months Ended June 30
	2018			2017			2018			2017
	(Dollars in thousands)
Beginning balance	$	1,642		$	2,279		$	1,791		$	2,370
Accretion	(198		)	(302		)	(413		)	(609		)
Other change in expected cash flows (1)	160			190			204			406
Reclassification from nonaccretable difference for loans which have paid off (2)	—			18			22			18
Ending balance	$	1,604		$	2,185		$	1,604		$	2,185

(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.