Loans and Allowances for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2015

Loans Receivable, Net [Abstract]

Schedule of Loans by Portfolio Segment [Table Text Block]

Portfolio segments of the loan portfolio are as follows (in thousands):

	March 31, 2015								December 31, 2014
	Fixed Rate		Variable Rate		Non-accrual		Total		Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	1,807,837	$	7,569,446	$	13,880	$	9,391,163	$	1,736,976	$	7,345,167	$	13,527	$	9,095,670
Commercial real estate	703,511		2,212,051		19,902		2,935,464		721,513		1,988,080		18,557		2,728,150
Residential mortgage	1,679,211		201,301		46,487		1,926,999		1,698,620		202,771		48,121		1,949,512
Consumer	100,719		329,327		464		430,510		102,865		331,274		566		434,705
Total	$	4,291,278	$	10,312,125	$	80,733	$	14,684,136	$	4,259,974	$	9,867,292	$	80,771	$	14,208,037
Accruing loans past due (90 days)1							$	523							$	125

	March 31, 2014
	Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	1,649,164	$	6,383,495	$	19,047	$	8,051,706
Commercial real estate	764,688		1,827,414		39,305		2,631,407
Residential mortgage	1,749,693		223,602		45,380		2,018,675
Consumer	125,757		249,335		974		376,066
Total	$	4,289,302	$	8,683,846	$	104,706	$	13,077,854
Accruing loans past due (90 days)1							$	1,991

¹  Excludes residential mortgage loans guaranteed by agencies of the U.S. government

Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2015 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific Allowance		Total
Allowance for loan losses:
Beginning balance	$	90,875		$	42,445		$	23,458		$	4,233		$	28,045	$	189,056
Provision for loan losses	10,353			(10,417		)	(27		)	339			28		276
Loans charged off	(174		)	(28		)	(624		)	(1,343		)	—		(2,169		)
Recoveries	357			8,819			437			910			—		10,523
Ending balance	$	101,411		$	40,819		$	23,244		$	4,139		$	28,073	$	197,686
Allowance for off-balance sheet credit losses:
Beginning balance	$	475		$	707		$	28		$	20		$	—	$	1,230
Provision for off-balance sheet credit losses	102			(374		)	(4		)	—			—		(276		)
Ending balance	$	577		$	333		$	24		$	20		$	—	$	954
Total provision for credit losses	$	10,455		$	(10,791	)	$	(31	)	$	339		$	28	$	—

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2014 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific Allowance			Total
Allowance for loan losses:
Beginning balance	$	79,180		$	41,573		$	29,465		$	6,965		$	28,213		$	185,396
Provision for loan losses	4,225			(1,591		)	(516		)	(460		)	(1,248		)	410
Loans charged off	(144		)	(220		)	(996		)	(1,488		)	—			(2,848		)
Recoveries	1,985			1,827			354			1,194			—			5,360
Ending balance	$	85,246		$	41,589		$	28,307		$	6,211		$	26,965		$	188,318
Allowance for off-balance sheet credit losses:
Beginning balance	$	119		$	1,876		$	90		$	3		$	—		$	2,088
Provision for off-balance sheet credit losses	457			(836		)	(28		)	(3		)	—			(410		)
Ending balance	$	576		$	1,040		$	62		$	—		$	—		$	1,678
Total provision for credit losses	$	4,682		$	(2,427	)	$	(544	)	$	(463	)	$	(1,248	)	$	—

Schedule of Allowance for Loan Losses and Recorded Investment by Impairment Methodology [Table Text Block]

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2015 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	9,377,283	$	101,214	$	13,880	$	197	$	9,391,163	$	101,411
Commercial real estate	2,915,562		40,801		19,902		18		2,935,464		40,819
Residential mortgage	1,880,512		23,142		46,487		102		1,926,999		23,244
Consumer	430,046		4,139		464		—		430,510		4,139
Total	14,603,403		169,296		80,733		317		14,684,136		169,613
Nonspecific allowance	—		—		—		—		—		28,073
Total	$	14,603,403	$	169,296	$	80,733	$	317	$	14,684,136	$	197,686

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2014 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	9,082,143	$	90,709	$	13,527	$	166	$	9,095,670	$	90,875
Commercial real estate	2,709,593		42,404		18,557		41		2,728,150		42,445
Residential mortgage	1,901,391		23,353		48,121		105		1,949,512		23,458
Consumer	434,139		4,233		566		—		434,705		4,233
Total	14,127,266		160,699		80,771		312		14,208,037		161,011
Nonspecific allowance	—		—		—		—		—		28,045
Total	$	14,127,266	$	160,699	$	80,771	$	312	$	14,208,037	$	189,056

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2014 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	8,032,659	$	81,813	$	19,047	$	3,433	$	8,051,706	$	85,246
Commercial real estate	2,592,102		41,404		39,305		185		2,631,407		41,589
Residential mortgage	1,973,295		27,766		45,380		541		2,018,675		28,307
Consumer	375,092		6,211		974		—		376,066		6,211
Total	12,973,148		157,194		104,706		4,159		13,077,854		161,353
Nonspecific allowance	—		—		—		—		—		26,965
Total	$	12,973,148	$	157,194	$	104,706	$	4,159	$	13,077,854	$	188,318

Schedule of Allowance for Loan Losses and Recorded Investment by Portfolio Segment for Risk Graded and Non-Risk Graded Loans [Table Text Block]

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2015 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	9,367,119	$	100,592	$	24,044	$	819	$	9,391,163	$	101,411
Commercial real estate	2,935,464		40,819		—		—		2,935,464		40,819
Residential mortgage	196,782		3,028		1,730,217		20,216		1,926,999		23,244
Consumer	341,530		1,386		88,980		2,753		430,510		4,139
Total	12,840,895		145,825		1,843,241		23,788		14,684,136		169,613
Nonspecific allowance	—		—		—		—		—		28,073
Total	$	12,840,895	$	145,825	$	1,843,241	$	23,788	$	14,684,136	$	197,686

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2014 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	9,073,030	$	90,085	$	22,640	$	790	$	9,095,670	$	90,875
Commercial real estate	2,728,150		42,445		—		—		2,728,150		42,445
Residential mortgage	192,303		2,996		1,757,209		20,462		1,949,512		23,458
Consumer	343,227		1,506		91,478		2,727		434,705		4,233
Total	12,336,710		137,032		1,871,327		23,979		14,208,037		161,011
Nonspecific allowance	—		—		—		—		—		28,045
Total	$	12,336,710	$	137,032	$	1,871,327	$	23,979	$	14,208,037	$	189,056

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2014 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	8,029,443	$	84,333	$	22,263	$	913	$	8,051,706	$	85,246
Commercial real estate	2,631,407		41,589		—		—		2,631,407		41,589
Residential mortgage	209,608		4,695		1,809,067		23,612		2,018,675		28,307
Consumer	269,985		2,765		106,081		3,446		376,066		6,211
Total	11,140,443		133,382		1,937,411		27,971		13,077,854		161,353
Nonspecific allowance	—		—		—		—		—		26,965
Total	$	11,140,443	$	133,382	$	1,937,411	$	27,971	$	13,077,854	$	188,318

Schedule of Credit Quality Indicators [Table Text Block]

The following table summarizes the Company’s loan portfolio at March 31, 2015 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,857,004	$	44,115	$	1,875	$	—	$	—	$	2,902,994
Services	2,709,357		14,253		4,744		—		—		2,728,354
Wholesale/retail	1,241,961		23,960		4,401		—		—		1,270,322
Manufacturing	546,566		13,942		417		—		—		560,925
Healthcare	1,505,072		4,547		1,558		—		—		1,511,177
Other commercial and industrial	392,549		—		798		23,957		87		417,391
Total commercial	9,252,509		100,817		13,793		23,957		87		9,391,163
Commercial real estate:
Residential construction and land development	128,795		759		9,598		—		—		139,152
Retail	654,429		574		3,857		—		—		658,860
Office	510,881		571		2,410		—		—		513,862
Multifamily	737,750		12,236		—		—		—		749,986
Industrial	478,508		—		76		—		—		478,584
Other commercial real estate	390,345		714		3,961		—		—		395,020
Total commercial real estate	2,900,708		14,854		19,902		—		—		2,935,464
Residential mortgage:
Permanent mortgage	192,473		2,069		2,240		736,357		31,125		964,264
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		196,923		3,256		200,179
Home equity	—		—		—		752,690		9,866		762,556
Total residential mortgage	192,473		2,069		2,240		1,685,970		44,247		1,926,999
Consumer	341,355		17		158		88,674		306		430,510
Total	$	12,687,045	$	117,757	$	36,093	$	1,798,601	$	44,640	$	14,684,136

The following table summarizes the Company’s loan portfolio at December 31, 2014 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,843,093	$	15,919	$	1,416	$	—	$	—	$	2,860,428
Services	2,497,888		15,140		5,201		—		—		2,518,229
Wholesale/retail	1,301,026		8,141		4,149		—		—		1,313,316
Manufacturing	527,951		4,193		450		—		—		532,594
Healthcare	1,449,024		4,565		1,380		—		—		1,454,969
Other commercial and industrial	389,378		3,293		823		22,532		108		416,134
Total commercial	9,008,360		51,251		13,419		22,532		108		9,095,670
Commercial real estate:
Residential construction and land development	127,437		10,855		5,299		—		—		143,591
Retail	662,335		628		3,926		—		—		666,889
Office	411,548		576		3,420		—		—		415,544
Multifamily	691,053		13,245		—		—		—		704,298
Industrial	428,817		—		—		—		—		428,817
Other commercial real estate	362,375		724		5,912		—		—		369,011
Total commercial real estate	2,683,565		26,028		18,557		—		—		2,728,150
Residential mortgage:
Permanent mortgage	187,520		1,773		3,010		745,813		31,835		969,951
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		202,238		3,712		205,950
Home equity	—		—		—		764,047		9,564		773,611
Total residential mortgage	187,520		1,773		3,010		1,712,098		45,111		1,949,512
Consumer	343,041		19		167		91,079		399		434,705
Total	$	12,222,486	$	79,071	$	35,153	$	1,825,709	$	45,618	$	14,208,037

The following table summarizes the Company’s loan portfolio at March 31, 2014 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,339,578	$	2,735	$	1,759	$	—	$	—	$	2,344,072
Services	2,213,569		14,321		4,581		—		—		2,232,471
Wholesale/retail	1,216,725		2,411		6,854		—		—		1,225,990
Manufacturing	429,523		11,127		3,565		—		—		444,215
Healthcare	1,392,315		2,804		1,443		—		—		1,396,562
Other commercial and industrial	381,202		4,200		731		22,149		114		408,396
Total commercial	7,972,912		37,598		18,933		22,149		114		8,051,706
Commercial real estate:
Residential construction and land development	153,836		14,437		16,547		—		—		184,820
Retail	634,253		1,627		4,626		—		—		640,506
Office	428,815		1,148		6,301		—		—		436,264
Multifamily	648,999		13,675		—		—		—		662,674
Industrial	304,321		—		886		—		—		305,207
Other commercial real estate	388,122		2,869		10,945		—		—		401,936
Total commercial real estate	2,558,346		33,756		39,305		—		—		2,631,407
Residential mortgage:
Permanent mortgage	200,662		2,704		6,242		793,864		30,100		1,033,572
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		183,250		1,572		184,822
Home equity	—		—		—		792,815		7,466		800,281
Total residential mortgage	200,662		2,704		6,242		1,769,929		39,138		2,018,675
Consumer	269,764		27		194		105,301		780		376,066
Total	$	11,001,684	$	74,085	$	64,674	$	1,897,379	$	40,032	$	13,077,854

Summary of Impaired Loans [Table Text Block]

Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):

	As of										For the
	March 31, 2015										Three Months Ended
			Recorded Investment								March 31, 2015
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	1,884	$	1,875	$	1,875	$	—	$	—	$	1,646	$	—
Services	7,698		4,744		4,051		693		153		4,972		—
Wholesale/retail	9,953		4,401		4,369		32		9		4,275		—
Manufacturing	716		417		417		—		—		433		—
Healthcare	2,626		1,558		1,362		196		35		1,469		—
Other commercial and industrial	8,559		885		885		—		—		908		—
Total commercial	31,436		13,880		12,959		921		197		13,703		—
Commercial real estate:
Residential construction and land development	14,367		9,598		9,598		—		—		7,449		—
Retail	5,376		3,857		3,857		—		—		3,892		—
Office	4,464		2,410		2,410		—		—		2,915		—
Multifamily	—		—		—		—		—		—		—
Industrial	76		76		76		—		—		38		—
Other real estate loans	9,950		3,961		3,791		170		18		4,936		—
Total commercial real estate	34,233		19,902		19,732		170		18		19,230		—
Residential mortgage:
Permanent mortgage	42,011		33,365		33,200		165		102		34,105		315
Permanent mortgage guaranteed by U.S. government agencies1	207,133		200,179		200,179		—		—		207,795		2,256
Home equity	10,129		9,866		9,866		—		—		9,715		—
Total residential mortgage	259,273		243,410		243,245		165		102		251,615		2,571
Consumer	482		464		464		—		—		515		—
Total	$	325,424	$	277,656	$	276,400	$	1,256	$	317	$	285,063	$	2,571

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2015, $3.3 million of these loans were nonaccruing and $197 million were accruing based on the guarantee by U.S. government agencies.

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered.

A summary of impaired loans at December 31, 2014 follows (in thousands): 

			Recorded Investment
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Energy	$	1,444	$	1,416	$	1,416	$	—	$	—
Services	8,068		5,201		4,487		714		157
Wholesale/retail	9,457		4,149		4,117		32		9
Manufacturing	737		450		450		—		—
Healthcare	2,432		1,380		1,380		—		—
Other commercial and industrial	8,604		931		931		—		—
Total commercial	30,742		13,527		12,781		746		166
Commercial real estate:
Residential construction and land development	10,071		5,299		5,192		107		23
Retail	5,406		3,926		3,926		—		—
Office	5,959		3,420		3,420		—		—
Multifamily	—		—		—		—		—
Industrial	—		—		—		—		—
Other real estate loans	11,954		5,912		5,739		173		18
Total commercial real estate	33,390		18,557		18,277		280		41
Residential mortgage:
Permanent mortgage	43,463		34,845		34,675		170		105
Permanent mortgage guaranteed by U.S. government agencies1	212,684		205,950		205,950		—		—
Home equity	9,767		9,564		9,564		—		—
Total residential mortgage	265,914		250,359		250,189		170		105
Total consumer	584		566		566		—		—
Total	$	330,630	$	283,009	$	281,813	$	1,196	$	312

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2014, $3.7 million of these loans were nonaccruing and $202 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at March 31, 2014 follows (in thousands): 

											For the
	As of March 31, 2014										Three Months Ended
			Recorded Investment								March 31, 2014
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	1,787	$	1,759	$	1,759	$	—	$	—	$	1,809	$	—
Services	7,475		4,581		3,544		1,037		424		4,752		—
Wholesale/retail	11,765		6,853		6,821		32		9		6,911		—
Manufacturing	3,806		3,565		565		3,000		3,000		2,078		—
Healthcare	2,466		1,443		1,443		—		—		1,514		—
Other commercial and industrial	8,510		845		845		—		—		838		—
Total commercial	35,809		19,046		14,977		4,069		3,433		17,902		—
Commercial real estate:
Residential construction and land development	20,866		16,547		15,893		654		162		16,962		—
Retail	6,462		4,626		4,626		—		—		4,742		—
Office	8,688		6,301		6,296		5		5		6,346		—
Multifamily	—		—		—		—		—		3		—
Industrial	1,043		886		886		—		—		569		—
Other real estate loans	17,692		10,945		10,761		184		18		11,455		—
Total commercial real estate	54,751		39,305		38,462		843		185		40,077		—
Residential mortgage:
Permanent mortgage	45,215		36,342		35,747		595		541		35,310		345
Permanent mortgage guaranteed by U.S. government agencies1	191,067		184,822		184,822		—		—		186,987		2,136
Home equity	7,475		7,466		7,466		—		—		7,365		—
Total residential mortgage	243,757		228,630		228,035		595		541		229,662		2,481
Total consumer	989		974		974		—		—		1,097		—
Total	$	335,306	$	287,955	$	282,448	$	5,507	$	4,159	$	288,738	$	2,481

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2014, $1.6 million of these loans were nonaccruing and $183 million were accruing based on the guarantee by U.S. government agencies.

Troubled Debt Restructurings [Table Text Block]

Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of March 31, 2015 is as follows (in thousands):

	As of March 31, 2015
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amounts Charged Off During the Three Months Ended March 31, 2015
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—
Services	1,617		687		930		148		—
Wholesale/retail	3,224		3,131		93		9		—
Manufacturing	325		325		—		—		—
Healthcare	—		—		—		—		—
Other commercial and industrial	636		87		549		—		—
Total commercial	5,802		4,230		1,572		157		—
Commercial real estate:
Residential construction and land development	7,234		5,724		1,510		—		—
Retail	3,543		1,384		2,159		—		—
Office	1,364		182		1,182		—		—
Multifamily	—		—		—		—		—
Industrial	—		—		—		—		—
Other real estate loans	1,474		1,001		473		—		—
Total commercial real estate	13,615		8,291		5,324		—		—
Residential mortgage:
Permanent mortgage	15,680		11,667		4,013		102		5
Permanent mortgage guaranteed by U.S. government agencies	1,579		320		1,259		—		—
Home equity	5,298		4,333		965		—		24
Total residential mortgage	22,557		16,320		6,237		102		29
Consumer	410		254		156		—		4
Total nonaccruing TDRs	$	42,384	$	29,095	$	13,289	$	259	$	33
Accruing TDRs:
Permanent mortgages guaranteed by U.S. government agencies	80,225		24,483		55,742		—		—
Total TDRs	$	122,609	$	53,578	$	69,031	$	259	$	33

A summary of troubled debt restructurings by accruing status as of December 31, 2014 is as follows (in thousands):

	As of
	December 31, 2014
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—
Services	1,666		706		960		148
Wholesale/retail	3,381		3,284		97		9
Manufacturing	340		340		—		—
Healthcare	—		—		—		—
Other commercial and industrial	674		93		581		—
Total commercial	6,061		4,423		1,638		157
Commercial real estate:
Residential construction and land development	3,140		641		2,499		23
Retail	3,600		2,432		1,168		—
Office	2,324		—		2,324		—
Multifamily	—		—		—		—
Industrial	—		—		—		—
Other real estate loans	1,647		1,647		—		—
Total commercial real estate	10,711		4,720		5,991		23
Residential mortgage:
Permanent mortgage	16,393		11,134		5,259		105
Permanent mortgage guaranteed by U.S. government agencies	1,597		179		1,418		—
Home equity	5,184		3,736		1,448		—
Total residential mortgage	23,174		15,049		8,125		105
Consumer	419		253		166		—
Total nonaccuring TDRs	$	40,365	$	24,445	$	15,920	$	285
Accruing TDRs:
Permanent mortgages guaranteed by U.S. government agencies	73,985		17,274		56,711		—
Total TDRs	$	114,350	$	41,719	$	72,631	$	285

A summary of troubled debt restructurings by accruing status as of March 31, 2014 is as follows (in thousands):

	As of March 31, 2014
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amounts Charged Off During the Three Months Ended March 31, 2014
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—
Services	1,811		761		1,050		148		—
Wholesale/retail	207		73		134		9		—
Manufacturing	3,384		384		3,000		3,000		—
Healthcare	—		—		—		—		—
Other commercial and industrial	750		194		556		—		—
Total commercial	6,152		1,412		4,740		3,157		—
Commercial real estate:
Residential construction and land development	10,083		1,839		8,244		162		—
Retail	4,140		2,584		1,556		—		—
Office	5,029		3,848		1,181		—		—
Multifamily	—		—		—		—		—
Industrial	—		—		—		—		—
Other real estate loans	4,818		3,277		1,541		—		67
Total commercial real estate	24,070		11,548		12,522		162		67
Residential mortgage:
Permanent mortgage	18,755		13,117		5,638		85		208
Permanent mortgage guaranteed by U.S. government agencies	474		181		293		—		—
Home equity	4,037		3,451		586		—		14
Total residential mortgage	23,266		16,749		6,517		85		222
Consumer	759		583		176		—		—
Total nonaccruing TDRs	$	54,247	$	30,292	$	23,955	$	3,404	$	289
Accruing TDRs:
Permanent mortgages guaranteed by U.S. government agencies	55,507		15,649		39,858		—		—
Total TDRs	$	109,754	$	45,941	$	63,813	$	3,404	$	289

Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at March 31, 2015 by class that were restructured during the three months ended March 31, 2015 by primary type of concession (in thousands):

	Three Months Ended March 31, 2015
	Accruing							Nonaccrual							Total
		Payment Stream		Combination & Other		Total			Payment Stream		Combination & Other		Total
Commercial:
Energy		$	—	$	—	$	—		$	—	$	—	$	—	$	—
Services		—		—		—			—		—		—		—
Wholesale/retail		—		—		—			—		—		—		—
Manufacturing		—		—		—			—		—		—		—
Healthcare		—		—		—			—		—		—		—
Other commercial and industrial		—		—		—			—		—		—		—
Total commercial		—		—		—			—		—		—		—
Commercial real estate:
Residential construction and land development		—		—		—			4,649		—		4,649		4,649
Retail		—		—		—			—		—		—		—
Office		—		—		—			—		—		—		—
Multifamily		—		—		—			—		—		—		—
Industrial		—		—		—			—		—		—		—
Other real estate loans		—		—		—			—		—		—		—
Total commercial real estate		—		—		—			4,649		—		4,649		4,649
Residential mortgage:
Permanent mortgage		—		—		—			659		622		1,281		1,281
Permanent mortgage guaranteed by U.S. government agencies		7,990		6,308		14,298			—		142		142		14,440
Home equity		—		—		—			152		842		994		994
Total residential mortgage		7,990		6,308		14,298			811		1,606		2,417		16,715
Consumer		—		—		—			—		63		63		63
Total		$	7,990	$	6,308	$	14,298		$	5,460	$	1,669	$	7,129	$	21,427

Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during three months ended March 31, 2014 by primary type of concession (in thousands):

	Three Months Ended March 31, 2014
	Accruing						Nonaccrual						Total
	Payment Stream		Combination & Other		Total		Payment Stream		Combination & Other		Total
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Services	—		—		—		—		—		—		—
Wholesale/retail	—		—		—		—		—		—		—
Manufacturing	—		—		—		3,000		—		3,000		3,000
Healthcare	—		—		—		—		—		—		—
Other commercial and industrial	—		—		—		—		29		29		29
Total commercial	—		—		—		3,000		29		3,029		3,029
Commercial real estate:
Residential construction and land development	—		—		—		428		—		428		428
Retail	—		—		—		—		—		—		—
Office	—		—		—		—		—		—		—
Multifamily	—		—		—		—		—		—		—
Industrial	—		—		—		—		—		—		—
Other real estate loans	—		—		—		—		—		—		—
Total commercial real estate	—		—		—		428		—		428		428
Residential mortgage:
Permanent mortgage	—		—		—		64		461		525		525
Permanent mortgage guaranteed by U.S. government agencies	1,653		2,891		4,544		—		—		—		4,544
Home equity	—		—		—		—		346		346		346
Total residential mortgage	1,653		2,891		4,544		64		807		871		5,415
Consumer	—		—		—		—		36		36		36
Total	$	1,653	$	2,891	$	4,544	$	3,492	$	872	$	4,364	$	8,908

The following table summarizes, by loan class, the recorded investment at March 31, 2015 and 2014, respectively, of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended March 31, 2015 and 2014, respestively (in thousands):

	Three Months Ended March 31, 2015						Three Months Ended March 31, 2014
	Accruing		Nonaccrual		Total		Accruing		Nonaccrual		Total
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—
Services	—		—		—		—		1,050		1,050
Wholesale/retail	—		—		—		—		—		—
Manufacturing	—		—		—		—		3,000		3,000
Healthcare	—		—		—		—		—		—
Other commercial and industrial	—		—		—		—		—		—
Total commercial	—		—		—		—		4,050		4,050
Commercial real estate:
Residential construction and land development	—		363		363		—		—		—
Retail	—		—		—		—		473		473
Office	—		—		—		—		206		206
Multifamily	—		—		—		—		—		—
Industrial	—		—		—		—		—		—
Other real estate loans	—		—		—		—		—		—
Total commercial real estate	—		363		363		—		679		679
Residential mortgage:
Permanent mortgage	—		2,383		2,383		—		445		445
Permanent mortgage guaranteed by U.S. government agencies	33,920		673		34,593		13,686		293		13,979
Home equity	—		693		693		—		427		427
Total residential mortgage	33,920		3,749		37,669		13,686		1,165		14,851
Consumer	—		24		24		—		45		45
Total	$	33,920	$	4,136	$	38,056	$	13,686	$	5,939	$	19,625

A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.

Summary of Loans by Aging Status [Table Text Block]

Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2015 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,894,332	$	6,787	$	—	$	1,875	$	2,902,994
Services	2,723,146		415		49		4,744		2,728,354
Wholesale/retail	1,265,921		—		—		4,401		1,270,322
Manufacturing	560,008		500		—		417		560,925
Healthcare	1,509,594		25		—		1,558		1,511,177
Other commercial and industrial	416,362		115		29		885		417,391
Total commercial	9,369,363		7,842		78		13,880		9,391,163
Commercial real estate:
Residential construction and land development	129,554		—		—		9,598		139,152
Retail	654,558		—		445		3,857		658,860
Office	511,452		—		—		2,410		513,862
Multifamily	745,247		4,739		—		—		749,986
Industrial	478,508		—		—		76		478,584
Other real estate loans	390,411		648		—		3,961		395,020
Total commercial real estate	2,909,730		5,387		445		19,902		2,935,464
Residential mortgage:
Permanent mortgage	926,848		4,051		—		33,365		964,264
Permanent mortgages guaranteed by U.S. government agencies	39,309		22,370		135,244		3,256		200,179
Home equity	749,618		3,072		—		9,866		762,556
Total residential mortgage	1,715,775		29,493		135,244		46,487		1,926,999
Consumer	429,618		428		—		464		430,510
Total	$	14,424,486	$	43,150	$	135,767	$	80,733	$	14,684,136

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2014 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,857,082	$	1,930	$	—	$	1,416	$	2,860,428
Services	2,511,892		1,136		—		5,201		2,518,229
Wholesale/retail	1,309,167		—		—		4,149		1,313,316
Manufacturing	532,144		—		—		450		532,594
Healthcare	1,453,409		180		—		1,380		1,454,969
Other commercial and industrial	415,030		173		—		931		416,134
Total commercial	9,078,724		3,419		—		13,527		9,095,670
Commercial real estate:
Residential construction and land development	133,642		4,650		—		5,299		143,591
Retail	662,963		—		—		3,926		666,889
Office	412,124		—		—		3,420		415,544
Multifamily	704,298		—		—		—		704,298
Industrial	428,817		—		—		—		428,817
Other real estate loans	362,529		570		—		5,912		369,011
Total commercial real estate	2,704,373		5,220		—		18,557		2,728,150
Residential mortgage:
Permanent mortgage	929,090		5,970		46		34,845		969,951
Permanent mortgages guaranteed by U.S. government agencies	26,691		23,558		151,989		3,712		205,950
Home equity	761,247		2,723		77		9,564		773,611
Total residential mortgage	1,717,028		32,251		152,112		48,121		1,949,512
Consumer	433,590		547		2		566		434,705
Total	$	13,933,715	$	41,437	$	152,114	$	80,771	$	14,208,037

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2014 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,341,923	$	390	$	—	$	1,759	$	2,344,072
Services	2,227,008		882		—		4,581		2,232,471
Wholesale/retail	1,219,058		78		—		6,854		1,225,990
Manufacturing	437,707		2,943		—		3,565		444,215
Healthcare	1,394,479		640		—		1,443		1,396,562
Other commercial and industrial	407,073		478		—		845		408,396
Total commercial	8,027,248		5,411		—		19,047		8,051,706
Commercial real estate:
Residential construction and land development	168,043		230		—		16,547		184,820
Retail	634,497		—		1,383		4,626		640,506
Office	429,700		263		—		6,301		436,264
Multifamily	662,674		—		—		—		662,674
Industrial	304,321		—		—		886		305,207
Other real estate loans	390,421		—		570		10,945		401,936
Total commercial real estate	2,589,656		493		1,953		39,305		2,631,407
Residential mortgage:
Permanent mortgage	991,486		5,732		12		36,342		1,033,572
Permanent mortgages guaranteed by U.S. government agencies	26,919		20,544		135,787		1,572		184,822
Home equity	789,234		3,556		25		7,466		800,281
Total residential mortgage	1,807,639		29,832		135,824		45,380		2,018,675
Consumer	374,518		573		1		974		376,066
Total	$	12,799,061	$	36,309	$	137,778	$	104,706	$	13,077,854