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Loans and Leases (Tables)
 3 Months Ended
Mar. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Loans And Leases Outstanding
Loans and leases outstanding included the following at March 31, 2021 and December 31, 2020:
(Dollars in thousands)March 31, 2021December 31, 2020
Commercial:
Construction and land development$1,022,087 $985,424 
Owner occupied commercial mortgage11,340,966 11,165,012 
Non-owner occupied commercial mortgage3,017,898 2,987,689 
Commercial and industrial and leases4,946,445 5,013,644 
SBA-PPP2,769,906 2,406,291 
Total commercial loans23,097,302 22,558,060 
Consumer:
Residential mortgage5,566,026 5,561,686 
Revolving mortgage1,938,422 2,052,854 
Construction and land development336,065 348,123 
Consumer auto1,271,586 1,255,402 
Consumer other538,677 552,968 
Total consumer loans9,650,776 9,771,033 
PCD loans432,773 462,882 
Total loans and leases$33,180,851 $32,791,975 
Schedule of Amortized Cost of Loans
The following table presents selected components of the amortized cost of loans.
(Dollars in thousands)March 31, 2021December 31, 2020
Deferred fees, including unearned fees and unamortized costs on non-PCD loans
Net deferred fees related to SBA-PPP loans$66,717 $41,064 
Net deferred fees related to other portfolios11,9329,153
Total net deferred fees$78,649 $50,217 
Net unamortized discount on purchased loans
Non-PCD$17,009 $19,473 
PCD41,141 45,254 
Total$58,150 $64,727 
Recorded Investment, By Class, In Loans And Leases On Nonaccrual Status And Loans And Leases Greater Than 90 Days Past Due And Still Accruing
March 31, 2021
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$277 $— $1,595 $1,872 $1,020,215 $1,022,087 
Owner occupied commercial mortgage13,153 2,996 11,028 27,177 11,313,789 11,340,966 
Non-owner occupied commercial mortgage5,046 303 8,917 14,266 3,003,632 3,017,898 
Commercial and industrial and leases13,284 4,771 3,249 21,304 4,925,141 4,946,445 
SBA-PPP— — — — 2,769,906 2,769,906 
Total commercial loans31,760 8,070 24,789 64,619 23,032,683 23,097,302 
Consumer:
Residential mortgage34,350 7,396 30,789 72,535 5,493,491 5,566,026 
Revolving mortgage6,222 1,603 8,531 16,356 1,922,066 1,938,422 
Construction and land development 266 944 652 1,862 334,203 336,065 
Consumer auto4,432 1,014 860 6,306 1,265,280 1,271,586 
Consumer other2,246 1,213 1,516 4,975 533,702 538,677 
Total consumer loans47,516 12,170 42,348 102,034 9,548,742 9,650,776 
PCD loans11,250 4,322 33,694 49,266 383,507 432,773 
Total loans and leases$90,526 $24,562 $100,831 $215,919 $32,964,932 $33,180,851 
December 31, 2020
(Dollars in thousands)30-59 days
past due		60-89 days
past due		90 days or greaterTotal past
due		CurrentTotal loans
and leases
Commercial:
Construction and land development$956 $527 $1,603 $3,086 $982,338 $985,424 
Owner occupied commercial mortgage8,757 2,232 14,082 25,071 11,139,941 11,165,012 
Non-owner occupied commercial mortgage12,370 — 5,973 18,343 2,969,346 2,987,689 
Commercial and industrial and leases14,532 2,842 3,243 20,617 4,993,027 5,013,644 
SBA-PPP— — — — 2,406,291 2,406,291 
Total commercial loans36,615 5,601 24,901 67,117 22,490,943 22,558,060 
Consumer:
Residential mortgage43,218 8,364 31,690 83,272 5,478,414 5,561,686 
Revolving mortgage11,977 2,626 7,415 22,018 2,030,836 2,052,854 
Construction and land development 932 77 330 1,339 346,784 348,123 
Consumer auto6,825 1,835 1,076 9,736 1,245,666 1,255,402 
Consumer other3,610 1,464 1,505 6,579 546,389 552,968 
Total consumer loans66,562 14,366 42,016 122,944 9,648,089 9,771,033 
PCD loans18,322 6,076 31,026 55,424 407,458 462,882 
Total loans and leases$121,499 $26,043 $97,943 $245,485 $32,546,490 $32,791,975 
The amortized cost, by class, of loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at March 31, 2021 and December 31, 2020, were as follows:
 March 31, 2021December 31, 2020
(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$1,648 $— $1,661 $— 
Owner occupied commercial mortgage22,796 1,400 23,103 3,625 
Non-owner occupied commercial mortgage10,939 2,211 7,932 147 
Commercial and industrial and leases15,718 607 10,626 540 
Total commercial loans51,101 4,218 43,322 4,312 
Consumer:
Residential mortgage61,907 29 66,345 — 
Revolving mortgage23,952 — 22,236 — 
Construction and land development566 543 652 — 
Consumer auto3,027 — 3,166 — 
Consumer other816 1,155 823 1,195 
Total consumer loans90,268 1,727 93,222 1,195 
PCD loans53,165 1,432 54,939 355 
Total loans and leases$194,534 $7,377 $191,483 $5,862 
Composition Of The Loans And Leases Outstanding By Credit Quality Indicator
The following tables represent current credit quality indicators by origination year as of March 31, 2021.
March 31, 2021
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$46,039 $399,172 $310,753 $168,534 $48,089 $28,797 $12,548 $— $1,013,932 
Special Mention— 232 — 181 85 — 145 — 643 
Substandard— 225 590 1,447 5,170 80 — — 7,512 
Total46,039 399,629 311,343 170,162 53,344 28,877 12,693 — 1,022,087 
Owner occupied commercial mortgage
Pass632,239 3,202,842 2,166,465 1,521,886 1,206,771 2,249,426 106,579 101 11,086,309 
Special Mention687 10,398 29,975 39,868 12,074 37,441 2,974 72 133,489 
Substandard3,564 9,322 14,441 9,287 26,702 49,856 7,996 — 121,168 
Total636,490 3,222,562 2,210,881 1,571,041 1,245,547 2,336,723 117,549 173 11,340,966 
Non-owner occupied commercial mortgage
Pass158,815 809,647 603,274 332,010 319,514 638,882 35,835 — 2,897,977 
Special Mention794 676 880 10,778 1,440 2,918 500 — 17,986 
Substandard75 12,018 22,293 12,643 8,762 44,396 1,748 — 101,935 
Total159,684 822,341 626,447 355,431 329,716 686,196 38,083 — 3,017,898 
Commercial and industrial and leases
Pass424,035 1,423,941 884,987 442,129 251,356 445,265 874,664 5,150 4,751,527 
Special Mention102 10,601 22,183 8,335 6,160 7,764 11,376 194 66,715 
Substandard5,507 15,179 4,398 5,572 3,950 5,597 24,608 1,410 66,221 
Doubtful— — — — — — 2 — 2 
Ungraded— — — — — — 61,980 — 61,980 
Total429,644 1,449,721 911,568 456,036 261,466 458,626 972,630 6,754 4,946,445 
SBA-PPP
Pass936,012 1,833,894 — — — — — — 2,769,906 
Total commercial$2,207,869 $7,728,147 $4,060,239 $2,552,670 $1,890,073 $3,510,422 $1,140,955 $6,927 $23,097,302 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20212020201920182017PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$521,849 $1,810,979 $889,902 $561,267 $518,205 $1,166,958 $24,331 $— $5,493,491 
30-59 days2,367 2,193 236 9,619 4,113 15,567 255 — 34,350 
60-89 days— 256 1,012 1,040 558 4,530 — — 7,396 
90 days or greater— 286 1,455 838 3,797 24,384 29 — 30,789 
Total524,216 1,813,714 892,605 572,764 526,673 1,211,439 24,615 — 5,566,026 
Revolving mortgage
Current— — — — — — 1,772,173 149,893 1,922,066 
30-59 days— — — — — — 3,877 2,345 6,222 
60-89 days— — — — — — 699 904 1,603 
90 days or greater— — — — — — 4,112 4,419 8,531 
Total— — — — — — 1,780,861 157,561 1,938,422 
Construction and land development
Current40,360 209,701 52,406 16,883 8,037 5,241 1,575 — 334,203 
30-59 days— 108 15 61 30 52 — — 266 
60-89 days— 240 138 59 366 141 — — 944 
90 days or greater— 543 — — 59 50 — — 652 
Total40,360 210,592 52,559 17,003 8,492 5,484 1,575 — 336,065 
Consumer auto
Current155,101 484,026 302,622 191,055 87,139 45,337 — — 1,265,280 
30-59 days— 1,327 962 1,054 703 386 — — 4,432 
60-89 days— 433 197 253 117 14 — — 1,014 
90 days or greater— 294 134 217 129 86 — — 860 
Total155,101 486,080 303,915 192,579 88,088 45,823 — — 1,271,586 
Consumer other
Current20,879 45,239 22,631 8,552 6,246 34,873 395,282 — 533,702 
30-59 days3 131 100 106 1 — 1,905 — 2,246 
60-89 days— 95 7 10 — — 1,101 — 1,213 
90 days or greater— 14 114 6 — — 1,382 — 1,516 
Total20,882 45,479 22,852 8,674 6,247 34,873 399,670 — 538,677 
Total consumer$740,559 $2,555,865 $1,271,931 $791,020 $629,500 $1,297,619 $2,206,721 $157,561 $9,650,776 
PCD loans
Current$— $28,056 $24,347 $26,763 $24,879 $247,606 $11,788 $20,068 $383,507 
30-59 days— 344 390 407 300 9,423 19 367 11,250 
60-89 days— 51 88 — 165 3,896 — 122 4,322 
90 days or greater— 1,294 2,404 4,412 1,826 22,504 105 1,149 33,694 
Total PCD$— $29,745 $27,229 $31,582 $27,170 $283,429 $11,912 $21,706 $432,773 
Total loans and leases$2,948,428 $10,313,757 $5,359,399 $3,375,272 $2,546,743 $5,091,470 $3,359,588 $186,194 $33,180,851 

The following tables represent current credit quality indicators by origination year as of December 31, 2020.
December 31, 2020
Commercial Loans Amortized Cost Basis by Origination Year
Classification:20202019201820172016PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Construction and land development
Pass$342,183 $341,233 $190,429 $50,776 $23,969 $11,306 $10,969 $— $970,865 
Special Mention246 — 6,421 5,342 — — 153 — 12,162 
Substandard229 629 1,450 — 8 81 — — 2,397 
Total342,658 341,862 198,300 56,118 23,977 11,387 11,122 — 985,424 
Owner occupied commercial mortgage
Pass3,183,467 2,201,165 1,625,141 1,301,412 1,049,858 1,454,020 101,556 133 10,916,752 
Special Mention6,274 20,702 36,739 12,387 17,699 25,693 5,115 72 124,681 
Substandard10,280 19,052 9,842 20,928 13,736 41,303 8,438 — 123,579 
Total3,200,021 2,240,919 1,671,722 1,334,727 1,081,293 1,521,016 115,109 205 11,165,012 
Non-owner occupied commercial mortgage
Pass865,514 609,975 378,136 331,800 282,810 391,517 32,149 — 2,891,901 
Special Mention569 905 10,794 1,808 5,121 3,279 483 — 22,959 
Substandard2,899 18,546 12,296 8,764 14,087 15,427 810 — 72,829 
Total868,982 629,426 401,226 342,372 302,018 410,223 33,442 — 2,987,689 
Commercial and industrial and leases
Pass1,620,622 983,852 504,463 310,468 234,735 286,996 899,978 5,520 4,846,634 
Special Mention3,146 17,065 7,265 5,393 3,307 4,912 9,152 189 50,429 
Substandard17,811 4,095 4,370 4,257 2,548 3,801 22,384 983 60,249 
Ungraded— — — — — — 56,332 — 56,332 
Total1,641,579 1,005,012 516,098 320,118 240,590 295,709 987,846 6,692 5,013,644 
SBA-PPP
Pass2,406,291 — — — — — — — 2,406,291 
Total commercial$8,459,531 $4,217,219 $2,787,346 $2,053,335 $1,647,878 $2,238,335 $1,147,519 $6,897 $22,558,060 
Consumer and PCD Loans Amortized Cost Basis by Origination Year
Days Past Due:20202019201820172016PriorRevolvingRevolving converted to term loansTotal
(Dollars in thousands)
Residential mortgage
Current$1,882,683 $978,298 $655,798 $596,309 $461,719 $878,634 $24,973 $— $5,478,414 
30-59 days2,278 4,573 11,463 3,772 8,613 12,299 220 — 43,218 
60-89 days30 100 1,246 1,449 834 4,705 — — 8,364 
90 days or greater282 4,831 3,150 4,015 5,689 13,723 — — 31,690 
Total1,885,273 987,802 671,657 605,545 476,855 909,361 25,193 — 5,561,686 
Revolving mortgage
Current— — — — — — 1,879,968 150,868 2,030,836 
30-59 days— — — — — — 8,241 3,736 11,977 
60-89 days— — — — — — 527 2,099 2,626 
90 days or greater— — — — — — 2,301 5,114 7,415 
Total— — — — — — 1,891,037 161,817 2,052,854 
Construction and land development
Current215,112 85,707 24,860 10,269 6,093 2,218 2,525 — 346,784 
30-59 days— 420 121 370 — 21 — — 932 
60-89 days— — — 9 — 68 — — 77 
90 days or greater— — — — — 330 — — 330 
Total215,112 86,127 24,981 10,648 6,093 2,637 2,525 — 348,123 
Consumer auto
Current521,719 340,594 219,597 104,280 49,872 9,604 — — 1,245,666 
30-59 days2,175 1,873 1,257 842 544 134 — — 6,825 
60-89 days329 689 312 351 109 45 — — 1,835 
90 days or greater170 527 217 57 102 3 — — 1,076 
Total524,393 343,683 221,383 105,530 50,627 9,786 — — 1,255,402 
Consumer other
Current53,842 27,117 10,911 7,159 2,980 29,336 415,044 — 546,389 
30-59 days322 114 77 18 11 7 3,061 — 3,610 
60-89 days102 20 13 18 3 23 1,285 — 1,464 
90 days or greater53 84 8 — — — 1,360 — 1,505 
Total54,319 27,335 11,009 7,195 2,994 29,366 420,750 — 552,968 
Total consumer$2,679,097 $1,444,947 $929,030 $728,918 $536,569 $951,150 $2,339,505 $161,817 $9,771,033 
PCD loans
Current$31,475 $25,425 $27,183 $27,955 $28,995 $232,186 $13,212 $21,027 $407,458 
30-59 days999 925 801 718 1,341 12,637 156 745 18,322 
60-89 days447 81 312 695 97 4,098 9 337 6,076 
90 days or greater721 2,325 4,755 1,208 897 19,963 111 1,046 31,026 
Total PCD$33,642 $28,756 $33,051 $30,576 $31,330 $268,884 $13,488 $23,155 $462,882 
Total loans and leases$11,172,270 $5,690,922 $3,749,427 $2,812,829 $2,215,777 $3,458,369 $3,500,512 $191,869 $32,791,975 
Schedule of Loans Pledged as Collateral
The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta and the Federal Reserve Bank (“FRB”) as of March 31, 2021 and December 31, 2020:
(Dollars in thousands)March 31, 2021December 31, 2020
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans$8,847,178 $8,637,844 
Less: Advances648,671 652,675 
Available borrowing capacity$8,198,507 $7,985,169 
Pledged non-PCD loans$12,327,626 $12,157,153 
FRB
Lendable collateral value of pledged non-PCD loans$3,367,466 $3,321,762 
Less: Advances— — 
Available borrowing capacity$3,367,466 $3,321,762 
Pledged non-PCD loans$4,181,520 $4,104,866