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Loans Loans (Tables)
 9 Months Ended 12 Months Ended
Sep. 30, 2021
Dec. 31, 2020
Receivables [Abstract]    
Loan composition The period end loan composition was as follows:
($ in Thousands)Sep 30, 2021Dec 31, 2020
PPP$182,121 $767,757 
Commercial and industrial7,927,459 7,701,422 
Commercial real estate — owner occupied879,554 900,912 
Commercial and business lending8,989,133 9,370,091 
Commercial real estate — investor4,296,489 4,342,584 
Real estate construction1,834,871 1,840,417 
Commercial real estate lending6,131,360 6,183,001 
Total commercial15,120,493 15,553,091 
Residential mortgage7,590,895 7,878,324 
Home equity608,566 707,255 
Other consumer294,979 301,876 
Auto6,739 11,177 
Total consumer8,501,180 8,898,632 
Total loans$23,621,673 $24,451,724 
  
Commercial and consumer loans by credit quality indicator he following table presents commercial and consumer loans by credit quality indicator by vintage year at September 30, 2021:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20212020201920182017PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $147,568 $29,900 $— $— $— $— $177,467 
Special Mention— — 212 281 — — — — 493 
Potential Problem— — 4,160 — — — — — 4,160 
PPP$— $— $151,940 $30,180 $— $— $— $— $182,121 
Commercial and industrial:
Risk rating:
Pass$2,085 $2,278,181 $1,664,130 $1,046,760 $1,092,662 $802,214 $249,129 $621,500 $7,754,575 
Special Mention— 1,396 5,900 193 28,918 — — 2,990 39,397 
Potential Problem2,825 27,948 1,933 5,555 46,997 21,286 20,111 1,160 124,990 
Nonaccrual— — 17 166 108 7,248 — 959 8,497 
Commercial and industrial$4,910 $2,307,525 $1,671,979 $1,052,674 $1,168,685 $830,748 $269,240 $626,609 $7,927,459 
Commercial real estate - owner occupied:
Risk rating:
Pass$11,667 $22,430 $143,911 $173,396 $193,463 $114,618 $61,713 $133,641 $843,173 
Special Mention— 211 — 3,303 11,368 — — 250 15,132 
Potential Problem— 487 6,182 5,969 686 748 2,640 4,529 21,241 
Nonaccrual— — — — — — — 7 7 
Commercial real estate - owner occupied$11,667 $23,127 $150,094 $182,668 $205,518 $115,366 $64,353 $138,427 $879,554 
Commercial and business lending:
Risk rating:
Pass$13,752 $2,300,611 $1,955,609 $1,250,056 $1,286,125 $916,832 $310,842 $755,141 $8,775,216 
Special Mention— 1,606 6,112 3,777 40,287 — — 3,240 55,022 
Potential Problem2,825 28,435 12,275 11,524 47,683 22,034 22,751 5,688 150,391 
Nonaccrual— — 17 166 108 7,248 — 966 8,504 
Commercial and business lending$16,577 $2,330,652 $1,974,013 $1,265,523 $1,374,203 $946,114 $333,593 $765,036 $8,989,133 
Commercial real estate - investor:
Risk rating:
Pass$38,041 $85,353 $878,373 $957,478 $1,034,119 $474,770 $178,270 $335,168 $3,943,532 
Special Mention— — 57,100 67,285 74,040 5,973 1,259 6,836 212,491 
Potential Problem— — 5,474 25,720 4,074 24,259 4,730 14,705 78,962 
Nonaccrual— — 23,973 8,412 9,690 19,222 — 207 61,504 
Commercial real estate - investor$38,041 $85,353 $964,920 $1,058,894 $1,121,923 $524,225 $184,259 $356,916 $4,296,489 
Real estate construction:
Risk rating:
Pass$— $26,560 $581,257 $731,505 $328,020 $93,893 $21,154 $13,227 $1,795,616 
Special Mention— — — — 3,894 15,885 41 — 19,820 
Potential Problem— — 8 124 18,968 — — 87 19,187 
Nonaccrual— — — 5 — — — 242 247 
Real estate construction$— $26,560 $581,265 $731,634 $350,881 $109,778 $21,195 $13,556 $1,834,871 
Commercial real estate lending:
Risk rating:
Pass$38,041 $111,913 $1,459,630 $1,688,983 $1,362,139 $568,663 $199,424 $348,395 $5,739,148 
Special Mention— — 57,100 67,285 77,934 21,858 1,300 6,836 232,312 
Potential Problem— — 5,483 25,844 23,041 24,259 4,730 14,792 98,150 
Nonaccrual— — 23,973 8,417 9,690 19,222 — 448 61,751 
Commercial real estate lending$38,041 $111,913 $1,546,185 $1,790,529 $1,472,804 $634,002 $205,454 $370,472 $6,131,360 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost BasisYTD 20212020201920182017PriorTotal
Total commercial:
Risk rating:
Pass$51,793 $2,412,524 $3,415,239 $2,939,040 $2,648,264 $1,485,495 $510,266 $1,103,537 $14,514,363 
Special Mention— 1,606 63,212 71,061 118,220 21,858 1,300 10,076 287,333 
Potential Problem2,825 28,435 17,758 37,367 70,725 46,294 27,481 20,481 248,541 
Nonaccrual— — 23,989 8,584 9,798 26,470 — 1,415 70,256 
Total commercial$54,618 $2,442,565 $3,520,198 $3,056,052 $2,847,007 $1,580,116 $539,047 $1,135,508 $15,120,493 
Residential mortgage:
Risk rating:
Pass$— $— $1,404,558 $2,040,914 $1,048,656 $460,120 $722,589 $1,854,629 $7,531,466 
Special Mention— — — — — — — 377 377 
Potential Problem— — 538 340 409 326 82 679 2,374 
Nonaccrual— — 1,721 2,032 4,483 4,979 7,304 36,160 56,678 
Residential mortgage$— $— $1,406,816 $2,043,286 $1,053,548 $465,425 $729,974 $1,891,844 $7,590,895 
Home equity:
Risk rating:
Pass$4,992 $504,747 $773 $1,617 $8,850 $9,952 $8,538 $65,577 $600,053 
Special Mention74 17 — — 1 110 — 375 503 
Potential Problem10 — 10 — — 15 — 146 171 
Nonaccrual582 4 56 25 227 288 303 6,936 7,838 
Home equity$5,658 $504,767 $839 $1,643 $9,078 $10,364 $8,841 $73,034 $608,566 
Other consumer:
Risk rating:
Pass$402 $168,534 $7,455 $6,730 $6,232 $1,940 $815 $109,253 $300,959 
Special Mention64 387 — — 13 66 — 4 470 
Nonaccrual4 164 — 12 56 20 20 18 290 
Other consumer$471 $169,084 $7,455 $6,743 $6,300 $2,026 $835 $109,275 $301,718 
Total consumer:
Risk rating:
Pass$5,394 $673,281 $1,412,786 $2,049,262 $1,063,738 $472,012 $731,942 $2,029,458 $8,432,478 
Special Mention138 403 — — 14 176 — 756 1,350 
Potential Problem10 — 548 340 409 341 82 825 2,546 
Nonaccrual586 167 1,776 2,070 4,765 5,287 7,627 43,114 64,806 
Total consumer$6,128 $673,852 $1,415,110 $2,051,672 $1,068,927 $477,816 $739,650 $2,074,153 $8,501,180 
Total loans:
Risk rating:
Pass(c)
$57,187 $3,085,805 $4,828,025 $4,988,301 $3,712,002 $1,957,507 $1,242,208 $3,132,995 $22,946,842 
Special Mention138 2,010 63,212 71,061 118,234 22,034 1,300 10,832 288,683 
Potential Problem2,836 28,435 18,306 37,707 71,134 46,635 27,563 21,305 251,087 
Nonaccrual586 167 25,766 10,653 14,563 31,756 7,627 44,529 135,062 
Total loans$60,747 $3,116,417 $4,935,308 $5,107,723 $3,915,934 $2,057,932 $1,278,698 $3,209,661 $23,621,673 
(a) Revolving loans converted to term loans are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
(c) Accruing TDRs are included in pass unless otherwise rated as special mention.
The following table presents commercial and consumer loans by credit quality indicator by vintage year at December 31, 2020:
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20202019201820172016PriorTotal
PPP:(b)
Risk rating:
Pass$— $— $745,767 $— $— $— $— $— $745,767 
Special Mention— — 3,988 — — — — — 3,988 
Potential Problem— — 18,002 — — — — — 18,002 
PPP$— $— $767,757 $— $— $— $— $— $767,757 
Commercial and industrial:
Risk rating:
Pass$4,628 $2,177,138 $1,389,260 $1,435,519 $1,182,302 $483,957 $305,998 $453,734 $7,427,908 
Special Mention— 10,159 2,719 39,854 37,042 113 215 67 90,169 
Potential Problem2,565 7,237 19,331 28,413 56,580 2,269 6,477 1,179 121,487 
Nonaccrual16,852 — 6,238 5,789 17,014 16,623 8,781 7,414 61,859 
Commercial and industrial$24,045 $2,194,534 $1,417,548 $1,509,575 $1,292,938 $502,962 $321,471 $462,394 $7,701,422 
Commercial real estate - owner occupied:
Risk rating:
Pass$1,150 $18,022 $185,861 $209,069 $128,360 $99,546 $147,366 $79,111 $867,335 
Special Mention— 113 1,882 3,122 300 658 264 — 6,339 
Potential Problem— 3,486 4,104 8,916 — 1,490 4,437 3,747 26,179 
Nonaccrual— — — — — 318 — 740 1,058 
Commercial real estate - owner occupied$1,150 $21,621 $191,847 $221,107 $128,660 $102,012 $152,067 $83,598 $900,912 
Commercial and business lending:
Risk rating:
Pass$5,778 $2,195,160 $2,320,888 $1,644,588 $1,310,662 $583,503 $453,364 $532,845 $9,041,009 
Special Mention— 10,272 8,589 42,976 37,342 771 479 67 100,496 
Potential Problem2,565 10,723 41,437 37,329 56,580 3,759 10,915 4,926 165,668 
Nonaccrual16,852 — 6,238 5,789 17,014 16,941 8,781 8,154 62,917 
Commercial and business lending$25,195 $2,216,154 $2,377,152 $1,730,682 $1,421,598 $604,974 $473,539 $545,992 $9,370,091 
Commercial real estate - investor:
Risk rating:
Pass$10,971 $171,497 $1,249,644 $976,332 $720,237 $271,987 $341,658 $211,360 $3,942,714 
Special Mention— — 90,235 97,333 12,339 — 21,882 8,465 230,254 
Potential Problem— 838 16,343 13,575 30,911 2,279 239 27,209 91,396 
Nonaccrual19,803 — 10,141 53,056 446 14,267 — 309 78,220 
Commercial real estate - investor$30,774 $172,335 $1,366,364 $1,140,297 $763,933 $288,533 $363,779 $247,343 $4,342,584 
Real estate construction:
Risk rating:
Pass$776 $47,880 $645,925 $738,561 $294,910 $25,219 $2,420 $16,768 $1,771,682 
Special Mention— — 487 494 48,283 42 — 30 49,336 
Potential Problem— — 135 — 18,803 — 93 15 19,046 
Nonaccrual— — — — — 16 — 338 353 
Real estate construction$776 $47,880 $646,547 $739,055 $361,996 $25,277 $2,513 $17,150 $1,840,417 
Commercial real estate lending:
Risk rating:
Pass$11,746 $219,377 $1,895,569 $1,714,893 $1,015,146 $297,205 $344,078 $228,127 $5,714,396 
Special Mention— — 90,722 97,827 60,622 42 21,882 8,494 279,590 
Potential Problem— 838 16,479 13,575 49,714 2,279 332 27,224 110,442 
Nonaccrual19,803 — 10,141 53,056 446 14,283 — 647 78,573 
Commercial real estate lending$31,549 $220,215 $2,012,911 $1,879,352 $1,125,929 $313,810 $366,292 $264,493 $6,183,001 
Term Loans Amortized Cost Basis by Origination Year(a)
($ in Thousands)
Rev Loans Converted to Term(a)
Rev Loans Amortized Cost Basis20202019201820172016PriorTotal
Total commercial:
Risk rating:
Pass$17,524 $2,414,537 $4,216,457 $3,359,482 $2,325,808 $880,708 $797,441 $760,973 $14,755,405 
Special Mention— 10,272 99,311 140,803 97,964 813 22,361 8,562 380,086 
Potential Problem2,565 11,561 57,916 50,905 106,295 6,038 11,247 32,150 276,111 
Nonaccrual36,655 — 16,379 58,845 17,460 31,224 8,781 8,801 141,490 
Total commercial$56,745 $2,436,370 $4,390,063 $3,610,033 $2,547,526 $918,783 $839,831 $810,485 $15,553,091 
Residential mortgage:
Risk rating:
Pass$— $— $2,185,240 $1,490,589 $615,118 $998,072 $911,797 $1,612,971 $7,813,788 
Special Mention— — — 355 330 102 126 537 1,450 
Potential Problem— — 1,200 689 652 — 179 1,028 3,749 
Nonaccrual— — 1,478 2,271 5,882 7,116 11,003 31,587 59,337 
Residential mortgage$— $— $2,187,918 $1,493,903 $621,983 $1,005,290 $923,105 $1,646,124 $7,878,324 
Home equity:
Risk rating:
Pass$10,224 $569,389 $2,057 $12,968 $15,792 $11,594 $5,803 $76,165 $693,767 
Special Mention596 631 — 39 14 39 4 804 1,532 
Potential Problem— 1,922 — — — — — 146 2,068 
Nonaccrual1,600 100 965 134 410 319 711 7,249 9,888 
Home equity$12,421 $572,041 $3,022 $13,141 $16,216 $11,952 $6,518 $84,364 $707,255 
Other consumer:
Risk rating:
Pass$70 $165,114 $9,525 $10,309 $3,987 $1,872 $1,185 $120,425 $312,416 
Special Mention5 438 13 16 11 4 7 8 498 
Nonaccrual5 33 9 49 21 10 — 18 140 
Other consumer$81 $165,585 $9,547 $10,374 $4,019 $1,886 $1,192 $120,451 $313,054 
Total consumer:
Risk rating:
Pass$10,294 $734,502 $2,196,822 $1,513,865 $634,897 $1,011,539 $918,785 $1,809,561 $8,819,971 
Special Mention602 1,069 13 410 356 145 137 1,349 3,480 
Potential Problem— 1,922 1,200 689 652 — 179 1,174 5,817 
Nonaccrual1,605 133 2,452 2,454 6,313 7,445 11,714 38,854 69,364 
Total consumer$12,501 $737,626 $2,200,487 $1,517,417 $642,218 $1,019,128 $930,816 $1,850,939 $8,898,632 
Total loans:
Risk rating:
Pass (c)
$27,819 $3,149,039 $6,413,278 $4,873,347 $2,960,705 $1,892,247 $1,716,226 $2,570,534 $23,575,376 
Special Mention602 11,341 99,324 141,213 98,320 958 22,498 9,911 383,566 
Potential Problem2,565 13,483 59,116 51,593 106,947 6,038 11,426 33,324 281,928 
Nonaccrual38,260 133 18,831 61,298 23,773 38,669 20,496 47,655 210,854 
Total loans$69,246 $3,173,996 $6,590,550 $5,127,451 $3,189,745 $1,937,912 $1,770,647 $2,661,424 $24,451,724 
(a) Revolving loans converted to term loans are also reported in their year of origination.
(b) The Corporation’s policy is to assign risk ratings at the borrower level. PPP loans are 100% guaranteed by the SBA and therefore the Corporation considers these loans to have a risk profile similar to pass rated loans.
(c) Accruing TDRs are included in pass unless otherwise rated as special mention.
  
Summarized details of Loans
The following table presents loans by past due status at September 30, 2021:
Accruing
($ in Thousands)
Current(a)
30-59 Days
Past Due		60-89 Days
Past Due		90+ Days
Past Due
Nonaccrual(b)(c)
Total
PPP$181,552 $485 $83 $— $— $182,121 
Commercial and industrial7,917,635 1,121 108 98 8,497 7,927,459 
Commercial real estate - owner occupied879,516 30 — — 7 879,554 
Commercial and business lending8,978,704 1,636 191 98 8,504 8,989,133 
Commercial real estate - investor4,217,965 17,021 — — 61,504 4,296,489 
Real estate construction1,834,623 — — — 247 1,834,871 
Commercial real estate lending6,052,588 17,021 — — 61,751 6,131,360 
Total commercial15,031,292 18,657 191 98 70,256 15,120,493 
Residential mortgage7,526,996 6,996 99 126 56,678 7,590,895 
Home equity597,776 2,428 503 21 7,838 608,566 
Other consumer292,700 724 549 785 222 294,979 
Auto6,662 10 — — 67 6,739 
Total consumer8,424,134 10,158 1,150 932 64,806 8,501,180 
Total loans$23,455,426 $28,815 $1,341 $1,029 $135,062 $23,621,673 
(a) Any loans deferred in connection with the COVID-19 pandemic are considered current in accordance with Section 4013 of the CARES Act.
(b) Of the total nonaccrual loans, $83 million, or 62%, were current with respect to payment at September 30, 2021.
(c) No interest income was recognized on nonaccrual loans for the three and nine months ended September 30, 2021. In addition, there were $11 million of nonaccrual loans for which there was no related ACLL at September 30, 2021.

The following table presents loans by past due status at December 31, 2020:
Accruing
($ in Thousands)
Current(a)
30-59 Days
Past Due		60-89 Days
Past Due		90+ Days 
Past Due
Nonaccrual(b)(c)
Total
PPP$767,757 $— $— $— $— $767,757 
Commercial and industrial7,633,269 2,819 3,300 175 61,859 7,701,422 
Commercial real estate - owner occupied899,480 158 215 — 1,058 900,912 
Commercial and business lending9,300,506 2,977 3,516 175 62,917 9,370,091 
Commercial real estate - investor4,251,571 1,024 11,769 — 78,220 4,342,584 
Real estate construction1,839,073 991 — — 353 1,840,417 
Commercial real estate lending6,090,644 2,015 11,769 — 78,573 6,183,001 
Total commercial15,391,150 4,992 15,284 175 141,490 15,553,091 
Residential mortgage7,808,294 8,975 1,410 308 59,337 7,878,324 
Home equity692,565 3,071 1,731 — 9,888 707,255 
Other consumer299,128 998 545 1,115 91 301,876 
Auto11,072 41 15 — 49 11,177 
Total consumer8,811,060 13,085 3,701 1,423 69,364 8,898,632 
Total loans$24,202,209 $18,077 $18,985 $1,598 $210,854 $24,451,724 
(a) Any loans deferred in connection with the COVID-19 pandemic are considered current in accordance with Section 4013 of the CARES Act.
(b) Of the total nonaccrual loans, $128 million, or 61%, were current with respect to payment at December 31, 2020.
(c) No interest income was recognized on nonaccrual loans for the year ended December 31, 2020. In addition, there were $28 million of nonaccrual loans for which there was no related ACLL at December 31, 2020.
  
Nonaccrual and performing restructured loans The following table presents nonaccrual and performing restructured loans by loan portfolio:
 Sep 30, 2021Dec 31, 2020
 ($ in Thousands)Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Performing
Restructured
Loans
Nonaccrual
Restructured
Loans(a)
Commercial and industrial$11,067 $959 $12,713 $6,967 
Commercial real estate — owner occupied1,031 — 1,711 — 
Commercial real estate — investor13,236 207 26,435 225 
Real estate construction248 107 260 111 
Residential mortgage15,253 13,235 7,825 11,509 
Home equity2,787 718 1,957 1,379 
Other consumer877 — 1,191 — 
   Total restructured loans(b)
$44,499 $15,226 $52,092 $20,190 
(a) Nonaccrual restructured loans have been included within nonaccrual loans.
(b) Does not include any restructured loans related to the COVID-19 pandemic in accordance with Section 4013 of the CARES Act. 		 
Summary of restructured loans The following table provides the number of loans modified in a TDR by loan portfolio, the recorded investment, and unpaid principal balance for the nine months ended September 30, 2021 and 2020:
 Nine months ended Sep 30, 2021Nine months ended Sep 30, 2020
 ($ in Thousands)Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Number
of
Loans
Recorded
Investment(a)
Unpaid
Principal
Balance(b)
Commercial and industrial4 $638 $638 3 $1,250 $1,324 
Commercial real estate — owner occupied— — — 2 453 751 
Commercial real estate — investor4 1,682 1,682 1 530 530 
Real estate construction— — — 1 102 102 
Residential mortgage55 10,434 10,460 32 5,789 5,870 
Home equity7 916 963 18 676 702 
   Total loans modified 70 $13,670 $13,744 57 $8,800 $9,280 
(a) Represents post-modification outstanding recorded investment.
(b) Represents pre-modification outstanding recorded investment. 		 
Troubled debt restructurings subsequent redefault The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the nine months ended September 30, 2021 and 2020, and the recorded investment in these restructured loans as of September 30, 2021 and 2020:
 Nine months ended Sep 30, 2021Nine months ended Sep 30, 2020
 ($ in Thousands)Number of
Loans		Recorded
Investment		Number of
Loans		Recorded
Investment
Residential mortgage2 $200 5 $1,036 
Home equity— — 4 208 
   Total loans modified2 $200 9 $1,244 
  
Changes in the allowance for loan losses by portfolio segment The following table presents a summary of the changes in the ACLL by portfolio segment for the nine months ended September 30, 2021:
($ in Thousands)Dec 31, 2020Charge offsRecoveriesNet Charge offsProvision for credit lossesSep 30, 2021ACLL / Loans
Allowance for loan losses
PPP$531 $— $— $— $(406)$125 
Commercial and industrial142,793 (13,773)7,415 (6,358)(47,324)89,111 
Commercial real estate — owner occupied11,274 — 115 115 634 12,022 
Commercial and business lending154,598 (13,773)7,530 (6,242)(47,096)101,259 
Commercial real estate — investor93,435 (14,340)3,046 (11,293)(680)81,461 
Real estate construction59,193 (5)74 69 (18,298)40,965 
Commercial real estate lending152,629 (14,344)3,120 (11,224)(18,978)122,426 
Total commercial307,226 (28,117)10,650 (17,467)(66,074)223,685 
Residential mortgage42,996 (732)700 (32)(1,344)41,620 
Home equity18,849 (600)2,240 1,640 (6,172)14,317 
Other consumer14,456 (2,331)965 (1,366)(1,836)11,253 
Auto174 (4)24 20 (74)120 
Total consumer76,475 (3,667)3,928 262 (9,426)67,311 
Total loans$383,702 $(31,784)$14,579 $(17,205)$(75,500)$290,997 
Allowance for unfunded commitments
Commercial and industrial$22,311 $— $— $— $(2,910)$19,402 
Commercial real estate — owner occupied266 — — — 43 309 
Commercial and business lending22,577 — — — (2,867)19,711 
Commercial real estate — investor636 — — — 85 721 
Real estate construction18,887 — — — (3,411)15,476 
Commercial real estate lending19,523 — — — (3,326)16,197 
Total commercial42,101 — — — (6,193)35,908 
Home equity3,118 — — — (87)3,031 
Other consumer2,557 — — — (220)2,337 
Total consumer5,675 — — — (307)5,368 
Total loans$47,776 $— $— $— $(6,500)$41,276 
Allowance for credit losses on loans
PPP$531 $— $— $— $(406)$125 0.07 %
Commercial and industrial165,105 (13,773)7,415 (6,358)(50,233)108,513 1.37 %
Commercial real estate — owner occupied11,539 — 115 115 677 12,331 1.40 %
Commercial and business lending177,175 (13,773)7,530 (6,242)(49,963)120,970 1.35 %
Commercial real estate — investor94,071 (14,340)3,046 (11,293)(595)82,182 1.91 %
Real estate construction78,080 (5)74 69 (21,709)56,441 3.08 %
Commercial real estate lending172,152 (14,344)3,120 (11,224)(22,304)138,623 2.26 %
Total commercial349,327 (28,117)10,650 (17,467)(72,267)259,593 1.72 %
Residential mortgage42,996 (732)700 (32)(1,344)41,620 0.55 %
Home equity21,967 (600)2,240 1,640 (6,259)17,348 2.85 %
Other consumer17,013 (2,331)965 (1,366)(2,056)13,591 4.61 %
Auto174 (4)24 20 (74)120 1.79 %
Total consumer82,150 (3,667)3,928 262 (9,733)72,679 0.85 %
Total loans$431,478 $(31,784)$14,579 $(17,205)$(82,000)$332,273 1.41 %
The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2020:
($ in Thousands)Dec 31, 2019Cumulative effect of ASU 2016-13 adoption (CECL)Jan 1, 2020Charge offsRecoveriesNet Charge offsGross up of allowance for PCD loans at acquisitionProvision recorded at acquisitionProvision for credit lossesDec 31, 2020ACLL / Loans
Allowance for loan losses
PPP$— $— $— $— $— $— $— $— $531 $531 
Commercial and industrial91,133 52,919 144,052 (80,320)7,004 (73,316)293 408 71,355 142,793 
Commercial real estate — owner occupied10,284 (1,851)8,433 (419)147 (272)890 255 1,967 11,274 
Commercial and business lending101,417 51,068 152,485 (80,739)7,151 (73,588)1,183 663 73,853 154,598 
Commercial real estate — investor40,514 2,041 42,555 (22,920)643 (22,277)753 472 71,933 93,435 
Real estate construction24,915 7,467 32,382 (19)49 31 435 492 25,854 59,193 
Commercial real estate lending65,428 9,508 74,937 (22,938)692 (22,246)1,188 964 97,787 152,629 
Total commercial166,846 60,576 227,422 (103,677)7,844 (95,834)2,371 1,627 171,641 307,226 
Residential mortgage16,960 33,215 50,175 (1,867)500 (1,367)651 403 (6,864)42,996 
Home equity10,926 11,649 22,575 (1,719)1,978 259 422 374 (4,781)18,849 
Other consumer(a)
6,639 7,016 13,655 (4,790)1,101 (3,689)61 140 4,462 14,630 
Total consumer34,525 51,880 86,405 (8,376)3,579 (4,797)1,134 917 (7,183)76,475 
Total loans$201,371 $112,457 $313,828 $(112,053)$11,422 $(100,631)$3,504 $2,543 $164,457 $383,702 
Allowance for unfunded commitments
Commercial and industrial$12,276 $(3,998)$8,278 $— $— $— $— $61 $13,972 $22,311 
Commercial real estate — owner occupied127 — 127 — — — — 4 135 266 
Commercial and business lending12,403 (3,998)8,405 — — — — 65 14,108 22,577 
Commercial real estate — investor530 246 776 — — — — 2 (141)636 
Real estate construction7,532 18,347 25,879 — — — — 45 (7,038)18,887 
Commercial real estate lending8,062 18,593 26,655 — — — — 47 (7,179)19,523 
Total commercial20,465 14,595 35,060 — — — — 112 6,929 42,101 
Home equity1,038 2,591 3,629 — — — — 66 (577)3,118 
Other consumer405 1,504 1,909 — — — — — 649 2,557 
Total consumer1,443 4,095 5,538 — — — — 66 72 5,675 
Total loans$21,907 $18,690 $40,597 $— $— $— $— $179 $7,000 $47,776 
Allowance for credit losses on loans
PPP$— $— $— $— $— $— $— $— $531 $531 0.07 %
Commercial and industrial103,409 48,921 152,330 (80,320)7,004 (73,316)293 469 85,327 165,105 2.14 %
Commercial real estate — owner occupied10,411 (1,851)8,560 (419)147 (272)890 259 2,102 11,539 1.28 %
Commercial and business lending113,820 47,070 160,890 (80,739)7,151 (73,588)1,183 728 87,961 177,175 1.89 %
Commercial real estate — investor41,044 2,287 43,331 (22,920)643 (22,277)753 474 71,792 94,071 2.17 %
Real estate construction32,447 25,814 58,261 (19)49 31 435 537 18,816 78,080 4.24 %
Commercial real estate lending73,490 28,101 101,591 (22,938)692 (22,246)1,188 1,011 90,608 172,152 2.78 %
Total commercial187,311 75,171 262,482 (103,677)7,844 (95,834)2,371 1,739 178,569 349,327 2.25 %
Residential mortgage16,960 33,215 50,175 (1,867)500 (1,367)651 403 (6,864)42,996 0.55 %
Home equity11,964 14,240 26,204 (1,719)1,978 259 422 440 (5,358)21,967 3.11 %
Other consumer(a)
7,044 8,520 15,564 (4,790)1,101 (3,689)61 140 5,111 17,187 5.49 %
Total consumer35,968 55,975 91,943 (8,376)3,579 (4,797)1,134 983 (7,112)82,150 0.92 %
Total loans$223,278 $131,147 $354,425 $(112,053)$11,422 $(100,631)$3,504 $2,722 $171,457 $431,478 1.76 %
(a) Includes auto