Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2019

Loans and Leases Receivable Disclosure [Abstract]

Changes in Carrying Value of Accretable Yield for PCI Loans [Table Text Block]

The following table summarizes changes to the amount of accretable yield for 2019, 2018 and 2017.



(Dollars in thousands)	2019			2018			2017
Balance at January 1	$	312,894		$	316,679		$	335,074
Additions from acquisitions	17,403			6,393			44,120
Accretion	(57,687		)	(61,502		)	(76,594		)
Reclassifications from nonaccretable difference	6,489			5,980			18,901
Changes in expected cash flows that do not affect nonaccretable difference	(27,964		)	45,344			(4,822		)
Balance at December 31	$	251,135		$	312,894		$	316,679

Loans And Leases Outstanding

Loans and leases outstanding include the following at December 31, 2019 and 2018:



(Dollars in thousands)	December 31, 2019		December 31, 2018
Non-PCI loans and leases:
Commercial:
Construction and land development	$	1,013,454	$	757,854
Commercial mortgage	12,282,635		10,717,234
Other commercial real estate	542,028		426,985
Commercial and industrial and leases	4,403,792		3,938,730
Other	310,093		296,424
Total commercial loans	18,552,002		16,137,227
Noncommercial:
Residential mortgage	5,293,917		4,265,687
Revolving mortgage	2,339,072		2,542,975
Construction and land development	357,385		257,030
Consumer	1,780,404		1,713,781
Total noncommercial loans	9,770,778		8,779,473
Total non-PCI loans and leases	28,322,780		24,916,700
Total PCI loans	558,716		606,576
Total loans and leases	$	28,881,496	$	25,523,276

Composition Of The Loans And Leases Outstanding By Credit Quality Indicator

outstanding at December 31, 2019 and December 31, 2018, by credit quality indicator are provided below:



	December 31, 2019
	Non-PCI commercial loans and leases
(Dollars in thousands)	Construction and land development		Commercial mortgage		Other commercial real estate		Commercial and industrial and leases		Other		Total non-PCI commercial loans and leases
Pass	$	1,004,922	$	12,050,799	$	536,682	$	4,256,456	$	308,796	$	18,157,655
Special mention	2,577		115,164		3,899		44,604		622		166,866
Substandard	5,955		116,672		1,447		34,148		675		158,897
Doubtful	—		—		—		3		—		3
Ungraded	—		—		—		68,581		—		68,581
Total	$	1,013,454	$	12,282,635	$	542,028	$	4,403,792	$	310,093	$	18,552,002

	December 31, 2018
	Non-PCI commercial loans and leases
	Construction and land development		Commercial mortgage		Other commercial real estate		Commercial and industrial and leases		Other		Total non-PCI commercial loans and leases
Pass	$	753,985	$	10,507,687	$	422,500	$	3,778,797	$	294,700	$	15,757,669
Special mention	1,369		114,219		3,193		54,814		1,105		174,700
Substandard	2,500		92,743		1,292		30,688		619		127,842
Doubtful	—		—		—		354		—		354
Ungraded	—		2,585		—		74,077		—		76,662
Total	$	757,854	$	10,717,234	$	426,985	$	3,938,730	$	296,424	$	16,137,227



	December 31, 2019
	Non-PCI noncommercial loans and leases
(Dollars in thousands)	Residential mortgage		Revolving mortgage		Construction and land development		Consumer		Total non-PCI noncommercial loans and leases
Current	$	5,205,380	$	2,316,010	$	354,393	$	1,762,606	$	9,638,389
30-59 days past due	45,839		9,729		977		10,481		67,026
60-89 days past due	18,289		3,468		218		3,746		25,721
90 days or greater past due	24,409		9,865		1,797		3,571		39,642
Total	$	5,293,917	$	2,339,072	$	357,385	$	1,780,404	$	9,770,778

	December 31, 2018
	Non-PCI noncommercial loans and leases
	Residential mortgage		Revolving mortgage		Construction and land development		Consumer		Total non-PCI noncommercial loans and leases
Current	$	4,214,783	$	2,514,269	$	254,837	$	1,696,321	$	8,680,210
30-59 days past due	28,239		12,585		581		10,035		51,440
60-89 days past due	7,357		4,490		21		3,904		15,772
90 days or greater past due	15,308		11,631		1,591		3,521		32,051
Total	$	4,265,687	$	2,542,975	$	257,030	$	1,713,781	$	8,779,473



	December 31, 2019		December 31, 2018
(Dollars in thousands)	PCI commercial loans
Pass	$	148,412	$	141,922
Special mention	44,290		48,475
Substandard	87,970		101,447
Doubtful	3,657		4,828
Ungraded	—		—
Total	$	284,329	$	296,672



	December 31, 2019		December 31, 2018
(Dollars in thousands)	PCI noncommercial loans
Current	$	240,995	$	268,280
30-89 days past due	13,764		11,155
60-89 days past due	5,608		7,708
90 days or greater past due	14,020		22,761
Total	$	274,387	$	309,904

Aging Of The Outstanding Loans And Leases By Class Excluding Loans Impaired At Acquisition Date

The aging of the outstanding non-PCI loans and leases, by class, at December 31, 2019, and December 31, 2018 is provided in the tables below. Loans and leases 30 days or less past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and still remain in compliance with the loan agreement.



	December 31, 2019
(Dollars in thousands)	30-59 days past due		60-89 days past due		90 days or greater		Total past due		Current		Total loans and leases
Non-PCI loans and leases:
Commercial:
Construction and land development	$	3,146	$	195	$	2,702	$	6,043	$	1,007,411	$	1,013,454
Commercial mortgage	20,389		8,774		8,319		37,482		12,245,153		12,282,635
Other commercial real estate	861		331		698		1,890		540,138		542,028
Commercial and industrial and leases	18,269		4,842		5,032		28,143		4,375,649		4,403,792
Other	51		411		126		588		309,505		310,093
Total commercial loans	42,716		14,553		16,877		74,146		18,477,856		18,552,002
Noncommercial:
Residential mortgage	45,839		18,289		24,409		88,537		5,205,380		5,293,917
Revolving mortgage	9,729		3,468		9,865		23,062		2,316,010		2,339,072
Construction and land development	977		218		1,797		2,992		354,393		357,385
Consumer	10,481		3,746		3,571		17,798		1,762,606		1,780,404
Total noncommercial loans	67,026		25,721		39,642		132,389		9,638,389		9,770,778
Total non-PCI loans and leases	$	109,742	$	40,274	$	56,519	$	206,535	$	28,116,245	$	28,322,780

	December 31, 2018
	30-59 days past due		60-89 days past due		90 days or greater		Total past due		Current		Total loans and leases
Non-PCI loans and leases:
Commercial:
Construction and land development	$	516	$	9	$	444	$	969	$	756,885	$	757,854
Commercial mortgage	14,200		2,066		3,237		19,503		10,697,731		10,717,234
Other commercial real estate	91		76		300		467		426,518		426,985
Commercial and industrial and leases	9,655		1,759		2,892		14,306		3,924,424		3,938,730
Other	285		—		89		374		296,050		296,424
Total commercial loans	24,747		3,910		6,962		35,619		16,101,608		16,137,227
Noncommercial:
Residential mortgage	28,239		7,357		15,308		50,904		4,214,783		4,265,687
Revolving mortgage	12,585		4,490		11,631		28,706		2,514,269		2,542,975
Construction and land development	581		21		1,591		2,193		254,837		257,030
Consumer	10,035		3,904		3,521		17,460		1,696,321		1,713,781
Total noncommercial loans	51,440		15,772		32,051		99,263		8,680,210		8,779,473
Total non-PCI loans and leases	$	76,187	$	19,682	$	39,013	$	134,882	$	24,781,818	24,916,700

Recorded Investment, By Class, In Loans And Leases On Nonaccrual Status And Loans And Leases Greater Than 90 Days Past Due And Still Accruing



	December 31, 2019				December 31, 2018
(Dollars in thousands)	Nonaccrual loans and leases		Loans and leases > 90 days and accruing		Nonaccrual loans and leases		Loans and leases > 90 days and accruing
Commercial:
Construction and land development	$	4,281	$	—	$	666	$	—
Commercial mortgage	29,733		—		12,594		—
Commercial and industrial and leases	7,365		1,094		4,624		808
Other commercial real estate	708		—		366		—
Other	320		—		279		—
Total commercial loans	42,407		1,094		18,529		808
Noncommercial:
Construction and land development	2,828		—		1,823		—
Residential mortgage	44,357		45		35,662		—
Revolving mortgage	22,411		—		25,563		—
Consumer	2,943		2,152		2,969		2,080
Total noncommercial loans	72,539		2,197		66,017		2,080
Total non-PCI loans and leases	$	114,946	$	3,291	$	84,546	$	2,888

Schedule of Contractually Required Payments Including Principal and Interest Expected Cash Flows to be Collected and Fair Values [Table Text Block]

The following table relates to PCI loans acquired in 2019 and 2018 and summarizes the contractually required payments, which include principal and interest, expected cash flows to be collected, and the fair value of PCI loans at the respective acquisition dates.



	2019						2018
(Dollars in thousands)	Entegra		First South Bancorp		Biscayne Bancshares		Palmetto Heritage		Capital Commerce		HomeBancorp
Contractually required payments	$	103,441	$	23,389	$	19,720	$	4,783	$	13,871	$	26,651
Cash flows expected to be collected	82,503		21,392		16,815		4,112		11,814		19,697
Fair value at acquisition date	77,507		16,398		13,032		3,863		10,772		15,555

Changes In Carrying Value Of Acquired Impaired Loans

The recorded fair values of PCI loans acquired in 2019 and 2018 as of their respective acquisition date were as follows:



	2019						2018
(Dollars in thousands)	Entegra		First South Bancorp		Biscayne Bancshares		Palmetto Heritage		Capital Commerce		HomeBancorp
Commercial:
Construction and land development	$	10,326	$	1,233	$	—	$	212	$	1,482	$	—
Commercial mortgage	30,316		9,355		7,589		1,053		1,846		7,815
Other commercial real estate	1,734		—		—		—		—		—
Commercial and industrial	1,363		1,202		1,660		372		922		423
Other	1,731		—		—		—		—		—
Total commercial loans	45,470		11,790		9,249		1,637		4,250		8,238
Noncommercial:
Residential mortgage	24,989		4,591		3,783		2,226		6,503		7,317
Revolving mortgage	5,582		—		—		—		—		—
Construction and land development	1,114		17		—		—		—		—
Consumer	352		—		—		—		19		—
Total noncommercial loans	32,037		4,608		3,783		2,226		6,522		7,317
Total PCI loans	$	77,507	$	16,398	$	13,032	$	3,863	$	10,772	$	15,555

The following table provides changes in the carrying value of all PCI loans during the years ended December 31, 2019, 2018 and 2017:



(Dollars in thousands)	2019			2018			2017
Balance at January 1	$	606,576		$	762,998		$	809,169
Fair value of PCI loans acquired during the year	106,937			30,190			199,682
Accretion⁽¹⁾	57,687			61,502			76,594
Payments received and other changes, net	(212,484		)	(248,114		)	(322,447		)
Balance at December 31	$	558,716		$	606,576		$	762,998
Unpaid principal balance at December 31	$	768,391		$	960,457		$	1,175,441
⁽¹⁾Accretion is recorded in interest income from loans and leases

Changes In The Amount Of Accretable Yield

Purchased non-PCI loans and leases

The following table relates to purchased non-PCI loans acquired in 2019 and 2018 and summarizes the contractually required payments, which include principal and interest, estimate of contractual cash flows not expected to be collected and fair value of the acquired loans at the acquisition date.



	2019						2018
(Dollars in thousands)	Entegra		First South Bancorp		Biscayne Bancshares		Palmetto Heritage		Capital Commerce		HomeBancorp
Contractually required payments	$	1,135,451	$	175,465	$	1,078,854	$	142,413	$	198,568	$	710,876
Fair value at acquisition date	953,679		162,845		850,352		131,283		173,354		550,618

The recorded fair values of purchased non-PCI loans acquired in 2019 and 2018 as of their respective acquisition date were as follows:



	2019						2018
(Dollars in thousands)	Entegra		First South Bancorp		Biscayne Bancshares		Palmetto Heritage		Capital Commerce		HomeBancorp
Commercial:
Construction and land development	$	92,495	$	8,663	$	15,647	$	13,186	$	10,299	$	525
Commercial mortgage	381,729		74,713		203,605		29,225		57,049		188,688
Other commercial real estate	28,678		7,509		98,107		753		6,370		55,183
Commercial and industrial and leases	27,062		40,208		28,135		8,153		34,301		7,931
Other	4,741		—		—		1,039		—		—
Total commercial loans and leases	534,705		131,093		345,494		52,356		108,019		252,327
Noncommercial:
Residential mortgage	310,039		24,641		405,419		59,076		50,630		296,273
Revolving mortgage	36,701		2,162		54,081		6,175		2,552		51
Construction and land development	51,786		3,552		31,668		11,103		11,173		—
Consumer	20,448		1,397		13,690		2,573		980		1,967
Total noncommercial loans and leases	418,974		31,752		504,858		78,927		65,335		298,291
Total non-PCI loans	$	953,679	$	162,845	$	850,352	$	131,283	$	173,354	$	550,618