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Loans and Allowances for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2018
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
June 30, 2018
 
December 31, 2017
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
2,206,735

 
$
9,021,326

 
$
120,978

 
$
11,349,039

 
$
2,217,432

 
$
8,379,240

 
$
137,303

 
$
10,733,975

Commercial real estate
 
583,782

 
3,126,442

 
1,996

 
3,712,220

 
548,692

 
2,928,440

 
2,855

 
3,479,987

Residential mortgage
 
1,567,216

 
332,691

 
42,343

 
1,942,250

 
1,608,655

 
317,584

 
47,447

 
1,973,686

Personal
 
168,171

 
831,676

 
340

 
1,000,187

 
154,517

 
810,990

 
269

 
965,776

Total
 
$
4,525,904

 
$
13,312,135

 
$
165,657

 
$
18,003,696

 
$
4,529,296

 
$
12,436,254

 
$
187,874

 
$
17,153,424

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
879

 
 

 
 

 
 

 
$
633

 
 
June 30, 2017
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
2,198,066

 
$
8,242,732

 
$
197,157

 
$
10,637,955

Commercial real estate
 
594,542

 
3,090,275

 
3,775

 
3,688,592

Residential mortgage
 
1,597,587

 
297,376

 
44,235

 
1,939,198

Personal
 
150,728

 
766,900

 
272

 
917,900

Total
 
$
4,540,923

 
$
12,397,283

 
$
245,439

 
$
17,183,645

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
1,414

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 June 30, 2018 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
120,083

 
$
57,070

 
$
18,431

 
$
8,408

 
$
19,975

 
$
223,967

Provision for loan losses
 
7,116

 
(1,409
)
 
(257
)
 
755

 
(4,503
)
 
1,702

Loans charged off
 
(13,775
)
 
—

 
(135
)
 
(1,195
)
 
—

 
(15,105
)
Recoveries
 
298

 
3,097

 
505

 
678

 
—

 
4,578

Ending balance
 
$
113,722

 
$
58,758

 
$
18,544

 
$
8,646

 
$
15,472

 
$
215,142

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
4,027

 
$
44

 
$
62

 
$
2

 
$
—

 
$
4,135

Provision for off-balance sheet credit losses
 
(1,666
)
 
(27
)
 
(9
)
 
—

 
—

 
(1,702
)
Ending balance
 
$
2,361

 
$
17

 
$
53

 
$
2

 
$
—

 
$
2,433

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
5,450

 
$
(1,436
)
 
$
(266
)
 
$
755

 
$
(4,503
)
 
$
—


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 six months ended June 30, 2018 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
124,269

 
$
56,621

 
$
18,451

 
$
9,124

 
$
22,217

 
$
230,682

Provision for loan losses
 
4,005

 
(1,143
)
 
(419
)
 
603

 
(6,745
)
 
(3,699
)
Loans charged off
 
(15,338
)
 
—

 
(235
)
 
(2,422
)
 
—

 
(17,995
)
Recoveries
 
786

 
3,280

 
747

 
1,341

 
—

 
6,154

Ending balance
 
$
113,722

 
$
58,758

 
$
18,544

 
$
8,646

 
$
15,472

 
$
215,142

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
3,644

 
$
45

 
$
43

 
$
2

 
$
—

 
$
3,734

Provision for off-balance sheet credit losses
 
(1,283
)
 
(28
)
 
10

 
—

 
—

 
(1,301
)
Ending balance
 
$
2,361

 
$
17

 
$
53

 
$
2

 
$
—

 
$
2,433

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
2,722

 
$
(1,171
)
 
$
(409
)
 
$
603

 
$
(6,745
)
 
$
(5,000
)

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 June 30, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
137,616

 
$
58,343

 
$
18,177

 
$
7,247

 
$
27,327

 
$
248,710

Provision for loan losses
 
1,546

 
105

 
(47
)
 
1,358

 
47

 
3,009

Loans charged off
 
(1,703
)
 
(76
)
 
(40
)
 
(1,053
)
 
—

 
(2,872
)
Recoveries
 
283

 
208

 
169

 
554

 
—

 
1,214

Ending balance
 
$
137,742

 
$
58,580

 
$
18,259

 
$
8,106

 
$
27,374

 
$
250,061

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
9,288

 
$
106

 
$
40

 
$
6

 
$
—

 
$
9,440

Provision for off-balance sheet credit losses
 
(2,987
)
 
(22
)
 
(2
)
 
2

 
—

 
(3,009
)
Ending balance
 
$
6,301

 
$
84

 
$
38

 
$
8

 
$
—

 
$
6,431

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(1,441
)
 
$
83

 
$
(49
)
 
$
1,360

 
$
47

 
$
—


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 six months ended June 30, 2017 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
140,213

 
$
50,749

 
$
18,224

 
$
8,773

 
$
28,200

 
$
246,159

Provision for loan losses
 
(1,809
)
 
6,964

 
(86
)
 
570

 
(826
)
 
4,813

Loans charged off
 
(2,127
)
 
(76
)
 
(276
)
 
(2,546
)
 
—

 
(5,025
)
Recoveries
 
1,465

 
943

 
397

 
1,309

 
—

 
4,114

Ending balance
 
$
137,742

 
$
58,580

 
$
18,259

 
$
8,106

 
$
27,374

 
$
250,061

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
11,063

 
$
123

 
$
50

 
$
8

 
$
—

 
$
11,244

Provision for off-balance sheet credit losses
 
(4,762
)
 
(39
)
 
(12
)
 
—

 
—

 
(4,813
)
Ending balance
 
$
6,301

 
$
84

 
$
38

 
$
8

 
$
—

 
$
6,431

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(6,571
)
 
$
6,925

 
$
(98
)
 
$
570

 
$
(826
)
 
$
—



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2018 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
 
$
11,228,061

 
$
98,522

 
$
120,978

 
$
15,200

 
$
11,349,039

 
$
113,722

Commercial real estate
 
3,710,224

 
58,758

 
1,996

 
—

 
3,712,220

 
58,758

Residential mortgage
 
1,899,907

 
18,544

 
42,343

 
—

 
1,942,250

 
18,544

Personal
 
999,847

 
8,646

 
340

 
—

 
1,000,187

 
8,646

Total
 
17,838,039

 
184,470

 
165,657

 
15,200

 
18,003,696

 
199,670

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
15,472

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
17,838,039

 
$
184,470

 
$
165,657

 
$
15,200

 
$
18,003,696

 
$
215,142


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2017 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
 
$
10,596,672

 
$
115,438

 
$
137,303

 
$
8,831

 
$
10,733,975

 
$
124,269

Commercial real estate
 
3,477,132

 
56,621

 
2,855

 
—

 
3,479,987

 
56,621

Residential mortgage
 
1,926,239

 
18,451

 
47,447

 
—

 
1,973,686

 
18,451

Personal
 
965,507

 
9,124

 
269

 
—

 
965,776

 
9,124

Total
 
16,965,550

 
199,634

 
187,874

 
8,831

 
17,153,424

 
208,465

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
22,217

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,965,550

 
$
199,634

 
$
187,874

 
$
8,831

 
$
17,153,424

 
$
230,682

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2017 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
 
$
10,440,798

 
$
128,049

 
$
197,157

 
$
9,693

 
$
10,637,955

 
$
137,742

Commercial real estate
 
3,684,817

 
58,580

 
3,775

 
—

 
3,688,592

 
58,580

Residential mortgage
 
1,894,963

 
18,259

 
44,235

 
—

 
1,939,198

 
18,259

Personal
 
917,628

 
8,106

 
272

 
—

 
917,900

 
8,106

Total
 
16,938,206

 
212,994

 
245,439

 
9,693

 
17,183,645

 
222,687

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
27,374

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,938,206

 
$
212,994

 
$
245,439

 
$
9,693

 
$
17,183,645

 
$
250,061
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 June 30, 2018 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
11,323,917

 
$
112,842

 
$
25,122

 
$
880

 
$
11,349,039

 
$
113,722

Commercial real estate
 
3,712,220

 
58,758

 
—

 
—

 
3,712,220

 
58,758

Residential mortgage
 
250,081

 
3,082

 
1,692,169

 
15,462

 
1,942,250

 
18,544

Personal
 
917,620

 
6,621

 
82,567

 
2,025

 
1,000,187

 
8,646

Total
 
16,203,838

 
181,303

 
1,799,858

 
18,367

 
18,003,696

 
199,670

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
15,472

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,203,838

 
$
181,303

 
$
1,799,858

 
$
18,367

 
$
18,003,696

 
$
215,142

 
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, 2017 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,706,035

 
$
123,383

 
$
27,940

 
$
886

 
$
10,733,975

 
$
124,269

Commercial real estate
 
3,479,987

 
56,621

 
—

 
—

 
3,479,987

 
56,621

Residential mortgage
 
234,477

 
2,947

 
1,739,209

 
15,504

 
1,973,686

 
18,451

Personal
 
877,390

 
6,461

 
88,386

 
2,663

 
965,776

 
9,124

Total
 
15,297,889

 
189,412

 
1,855,535

 
19,053

 
17,153,424

 
208,465

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
22,217

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,297,889

 
$
189,412

 
$
1,855,535

 
$
19,053

 
$
17,153,424

 
$
230,682


The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2017 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,612,477

 
$
136,819

 
$
25,478

 
$
923

 
$
10,637,955

 
$
137,742

Commercial real estate
 
3,688,592

 
58,580

 
—

 
—

 
3,688,592

 
58,580

Residential mortgage
 
216,007

 
2,976

 
1,723,191

 
15,283

 
1,939,198

 
18,259

Personal
 
824,318

 
5,742

 
93,582

 
2,364

 
917,900

 
8,106

Total
 
15,341,394

 
204,117

 
1,842,251

 
18,570

 
17,183,645

 
222,687

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
27,374

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,341,394

 
$
204,117

 
$
1,842,251

 
$
18,570

 
$
17,183,645

 
$
250,061
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at June 30, 2018 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,936,184

 
$
52,350

 
$
93,088

 
$
65,597

 
$
—

 
$
—

 
$
3,147,219

Services
 
2,903,168

 
30,564

 
6,390

 
4,377

 
—

 
—

 
2,944,499

Wholesale/retail
 
1,679,834

 
900

 
4,725

 
14,095

 
—

 
—

 
1,699,554

Manufacturing
 
620,687

 
7,559

 
16,579

 
2,991

 
—

 
—

 
647,816

Healthcare
 
2,319,035

 
2,030

 
16,532

 
16,125

 
—

 
—

 
2,353,722

Other commercial and industrial
 
513,027

 
400

 
—

 
17,680

 
25,009

 
113

 
556,229

Total commercial
 
10,971,935

 
93,803

 
137,314

 
120,865

 
25,009

 
113

 
11,349,039

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
116,821

 
1,828

 
—

 
350

 
—

 
—

 
118,999

Retail
 
745,691

 
21,173

 
92

 
1,068

 
—

 
—

 
768,024

Office
 
812,848

 
7,004

 
—

 
275

 
—

 
—

 
820,127

Multifamily
 
1,056,953

 
—

 
31

 
—

 
—

 
—

 
1,056,984

Industrial
 
653,384

 
—

 
—

 
—

 
—

 
—

 
653,384

Other commercial real estate
 
294,399

 
—

 
—

 
303

 
—

 
—

 
294,702

Total commercial real estate
 
3,680,096

 
30,005

 
123

 
1,996

 
—

 
—

 
3,712,220

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
246,470

 
—

 
2,555

 
1,056

 
796,282

 
22,049

 
1,068,412

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
162,086

 
7,567

 
169,653

Home equity
 
—

 
—

 
—

 
—

 
692,514

 
11,671

 
704,185

Total residential mortgage
 
246,470

 
—

 
2,555

 
1,056

 
1,650,882

 
41,287

 
1,942,250

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
917,459

 
48

 
34

 
79

 
82,306

 
261

 
1,000,187

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,815,960

 
$
123,856

 
$
140,026

 
$
123,996

 
$
1,758,197

 
$
41,661

 
$
18,003,696



The following table summarizes the Company’s loan portfolio at December 31, 2017 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,632,986

 
$
60,288

 
$
144,598

 
$
92,284

 
$
—

 
$
—

 
$
2,930,156

Services
 
2,943,869

 
13,927

 
26,533

 
2,620

 
—

 
—

 
2,986,949

Wholesale/retail
 
1,443,917

 
19,263

 
5,502

 
2,574

 
—

 
—

 
1,471,256

Manufacturing
 
472,869

 
6,653

 
11,290

 
5,962

 
—

 
—

 
496,774

Healthcare
 
2,253,497

 
3,186

 
43,305

 
14,765

 
—

 
—

 
2,314,753

Other commercial and industrial
 
478,951

 
7

 
8,161

 
19,028

 
27,870

 
70

 
534,087

Total commercial
 
10,226,089

 
103,324

 
239,389

 
137,233

 
27,870

 
70

 
10,733,975

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
113,190

 
1,828

 
395

 
1,832

 
—

 
—

 
117,245

Retail
 
686,915

 
4,243

 
98

 
276

 
—

 
—

 
691,532

Office
 
824,408

 
7,087

 
—

 
275

 
—

 
—

 
831,770

Multifamily
 
979,969

 
—

 
48

 
—

 
—

 
—

 
980,017

Industrial
 
573,014

 
—

 
—

 
—

 
—

 
—

 
573,014

Other commercial real estate
 
285,506

 
145

 
286

 
472

 
—

 
—

 
286,409

Total commercial real estate
 
3,463,002

 
13,303

 
827

 
2,855

 
—

 
—

 
3,479,987

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
232,492

 
—

 
822

 
1,163

 
784,928

 
24,030

 
1,043,435

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
188,327

 
9,179

 
197,506

Home equity
 
—

 
—

 
—

 
—

 
719,670

 
13,075

 
732,745

Total residential mortgage
 
232,492

 
—

 
822

 
1,163

 
1,692,925

 
46,284

 
1,973,686

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
875,696

 
1,548

 
63

 
83

 
88,200

 
186

 
965,776

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,797,279

 
$
118,175

 
$
241,101

 
$
141,334

 
$
1,808,995

 
$
46,540

 
$
17,153,424


The following table summarizes the Company’s loan portfolio at June 30, 2017 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,376,368

 
$
120,473

 
$
226,407

 
$
123,992

 
$
—

 
$
—

 
$
2,847,240

Services
 
2,921,510

 
12,452

 
17,111

 
7,754

 
—

 
—

 
2,958,827

Wholesale/retail
 
1,507,063

 
16,224

 
9,788

 
10,620

 
—

 
—

 
1,543,695

Manufacturing
 
513,442

 
6,540

 
16,499

 
9,656

 
—

 
—

 
546,137

Healthcare
 
2,130,339

 
33,554

 
33,120

 
24,505

 
—

 
—

 
2,221,518

Other commercial and industrial
 
453,712

 
2,961

 
17,861

 
20,526

 
25,374

 
104

 
520,538

Total commercial
 
9,902,434

 
192,204

 
320,786

 
197,053

 
25,374

 
104

 
10,637,955

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
138,790

 
—

 
751

 
2,051

 
—

 
—

 
141,592

Retail
 
720,730

 
1,774

 
—

 
301

 
—

 
—

 
722,805

Office
 
859,722

 
2,855

 
—

 
396

 
—

 
—

 
862,973

Multifamily
 
947,950

 
—

 
4,420

 
10

 
—

 
—

 
952,380

Industrial
 
693,635

 
—

 
—

 
—

 
—

 
—

 
693,635

Other commercial real estate
 
314,187

 
—

 
3

 
1,017

 
—

 
—

 
315,207

Total commercial real estate
 
3,675,014

 
4,629

 
5,174

 
3,775

 
—

 
—

 
3,688,592

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
212,563

 
1,693

 
478

 
1,273

 
750,891

 
22,142

 
989,040

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
—

 
182,677

 
9,052

 
191,729

Home equity
 
—

 
—

 
—

 
—

 
746,661

 
11,768

 
758,429

Total residential mortgage
 
212,563

 
1,693

 
478

 
1,273

 
1,680,229

 
42,962

 
1,939,198

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
823,304

 
49

 
877

 
88

 
93,398

 
184

 
917,900

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,613,315

 
$
198,575

 
$
327,315

 
$
202,189

 
$
1,799,001

 
$
43,250

 
$
17,183,645
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 generally 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
 
For the
 
June 30, 2018
 
Three Months Ended
 
Six Months Ended
 
 
 
Recorded Investment
 
 
 
June 30, 2018
 
June 30, 2018
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
84,285

 
$
65,597

 
$
19,735

 
$
45,862

 
$
9,460

 
$
77,770

 
$
—

 
$
78,940

 
$
—

Services
7,211

 
4,377

 
4,296

 
81

 
79

 
3,243

 
—

 
3,498

 
—

Wholesale/retail
14,523

 
14,095

 
2,822

 
11,273

 
4,075

 
8,329

 
—

 
8,334

 
—

Manufacturing
2,995

 
2,991

 
2,734

 
257

 
257

 
2,996

 
—

 
4,476

 
—

Healthcare
26,212

 
16,125

 
13,583

 
2,542

 
1,329

 
15,734

 
—

 
15,445

 
—

Other commercial and industrial
26,983

 
17,793

 
17,793

 
—

 
—

 
18,147

 
—

 
18,446

 
—

Total commercial
162,209

 
120,978

 
60,963

 
60,015

 
15,200

 
126,219

 
—

 
129,139

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
1,764

 
350

 
350

 
—

 
—

 
982

 
—

 
1,091

 
—

Retail
8,134

 
1,068

 
1,068

 
—

 
—

 
666

 
—

 
672

 
—

Office
287

 
275

 
275

 
—

 
—

 
275

 
—

 
275

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial real estate
509

 
303

 
303

 
—

 
—

 
311

 
—

 
387

 
—

Total commercial real estate
10,694

 
1,996

 
1,996

 
—

 
—

 
2,234

 
—

 
2,425

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
28,402

 
23,105

 
23,105

 
—

 
—

 
23,841

 
322

 
24,149

 
628

Permanent mortgage guaranteed by U.S. government agencies1
174,589

 
169,653

 
169,653

 
—

 
—

 
170,856

 
1,574

 
180,671

 
3,422

Home equity
13,362

 
11,671

 
11,671

 
—

 
—

 
12,002

 
—

 
12,373

 
—

Total residential mortgage
216,353

 
204,429

 
204,429

 
—

 
—

 
206,699

 
1,896

 
217,193

 
4,050

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
387

 
340

 
340

 
—

 
—

 
340

 
—

 
305

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
389,643

 
$
327,743

 
$
267,728

 
$
60,015

 
$
15,200

 
$
335,492

 
$
1,896

 
$
349,062

 
$
4,050

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 June 30, 2018, $7.6 million of these loans were nonaccruing and $162 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, 2017 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
111,011

 
$
92,284

 
$
40,968

 
$
51,316

 
$
8,814

Services
 
5,324

 
2,620

 
2,620

 
—

 
—

Wholesale/retail
 
9,099

 
2,574

 
2,574

 
—

 
—

Manufacturing
 
6,073

 
5,962

 
5,962

 
—

 
—

Healthcare
 
25,140

 
14,765

 
14,765

 
—

 
—

Other commercial and industrial
 
27,957

 
19,098

 
19,080

 
18

 
17

Total commercial
 
184,604

 
137,303

 
85,969

 
51,334

 
8,831

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
3,285

 
1,832

 
1,832

 
—

 
—

Retail
 
509

 
276

 
276

 
—

 
—

Office
 
287

 
275

 
275

 
—

 
—

Multifamily
 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

Other commercial real estate
 
670

 
472

 
472

 
—

 
—

Total commercial real estate
 
4,751

 
2,855

 
2,855

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
30,435

 
25,193

 
25,193

 
—

 
—

Permanent mortgage guaranteed by U.S. government agencies1
 
203,814

 
197,506

 
197,506

 
—

 
—

Home equity
 
14,548

 
13,075

 
13,075

 
—

 
—

Total residential mortgage
 
248,797

 
235,774

 
235,774

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Personal
 
307

 
269

 
269

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
438,459

 
$
376,201

 
$
324,867

 
$
51,334

 
$
8,831

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, 2017, $9.2 million of these loans were nonaccruing and $188 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at June 30, 2017 follows (in thousands): 
 
 
 
For the
 
For the
 
As of June 30, 2017
 
Three Months Ended
 
Six Months Ended
 
 
 
Recorded Investment
 
 
 
June 30, 2017
 
June 30, 2017
 
Unpaid Principal Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
141,091

 
$
123,992

 
$
56,988

 
$
67,004

 
$
8,874

 
$
117,209

 
$
—

 
$
128,246

 
$
—

Services
11,209

 
7,754

 
7,754

 
—

 
—

 
7,734

 
—

 
7,964

 
—

Wholesale/retail
17,392

 
10,620

 
10,620

 
—

 
—

 
10,855

 
—

 
11,013

 
—

Manufacturing
10,223

 
9,656

 
9,656

 
—

 
—

 
7,781

 
—

 
7,293

 
—

Healthcare
24,795

 
24,505

 
18,883

 
5,622

 
802

 
12,707

 
—

 
12,665

 
—

Other commercial and industrial
28,933

 
20,630

 
20,609

 
21

 
17

 
20,706

 
—

 
20,874

 
—

Total commercial
233,643

 
197,157

 
124,510

 
72,647

 
9,693

 
176,992

 
—

 
188,055

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
3,676

 
2,051

 
2,051

 
—

 
—

 
2,334

 
—

 
2,742

 
—

Retail
518

 
301

 
301

 
—

 
—

 
308

 
—

 
314

 
—

Office
499

 
396

 
396

 
—

 
—

 
404

 
—

 
411

 
—

Multifamily
1,000

 
10

 
10

 
—

 
—

 
17

 
—

 
24

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
38

 
—

 
38

 
—

Other commercial real estate
1,212

 
1,017

 
1,017

 
—

 
—

 
1,024

 
—

 
1,119

 
—

Total commercial real estate
6,905

 
3,775

 
3,775

 
—

 
—

 
4,125

 
—

 
4,648

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
28,603

 
23,415

 
23,415

 
—

 
—

 
23,801

 
307

 
23,135

 
598

Permanent mortgage guaranteed by U.S. government agencies1
197,659

 
191,729

 
191,729

 
—

 
—

 
202,946

 
2,021

 
205,159

 
3,925

Home equity
13,064

 
11,768

 
11,768

 
—

 
—

 
11,776

 
—

 
11,643

 
—

Total residential mortgage
239,326

 
226,912

 
226,912

 
—

 
—

 
238,523

 
2,328

 
239,937

 
4,523

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
307

 
272

 
272

 
—

 
—

 
253

 
—

 
281

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
480,181

 
$
428,116

 
$
355,469

 
$
72,647

 
$
9,693

 
$
419,893

 
$
2,328

 
$
432,921

 
$
4,523

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 June 30, 2017, $9.1 million of these loans were nonaccruing and $183 million were accruing based on the guarantee by U.S. government agencies.
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 June 30, 2018 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
3,081,622

 
$
—

 
$
—

 
$
—

 
$
65,597

 
$
3,147,219

Services
 
2,937,699

 
1,619

 
106

 
698

 
4,377

 
2,944,499

Wholesale/retail
 
1,685,175

 
284

 
—

 
—

 
14,095

 
1,699,554

Manufacturing
 
644,825

 
—

 
—

 
—

 
2,991

 
647,816

Healthcare
 
2,322,580

 
—

 
15,017

 
—

 
16,125

 
2,353,722

Other commercial and industrial
 
538,269

 
52

 
105

 
10

 
17,793

 
556,229

Total commercial
 
11,210,170

 
1,955

 
15,228

 
708

 
120,978

 
11,349,039

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
118,649

 
—

 
—

 
—

 
350

 
118,999

Retail
 
766,956

 
—

 
—

 
—

 
1,068

 
768,024

Office
 
819,852

 
—

 
—

 
—

 
275

 
820,127

Multifamily
 
1,056,984

 
—

 
—

 
—

 
—

 
1,056,984

Industrial
 
653,384

 
—

 
—

 
—

 
—

 
653,384

Other commercial real estate
 
294,377

 
—

 
—

 
22

 
303

 
294,702

Total commercial real estate
 
3,710,202

 
—

 
—

 
22

 
1,996

 
3,712,220

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
1,041,859

 
2,568

 
796

 
84

 
23,105

 
1,068,412

Permanent mortgages guaranteed by U.S. government agencies
 
38,717

 
14,757

 
12,878

 
95,734

 
7,567

 
169,653

Home equity
 
690,743

 
1,612

 
94

 
65

 
11,671

 
704,185

Total residential mortgage
 
1,771,319

 
18,937

 
13,768

 
95,883

 
42,343

 
1,942,250

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
999,519

 
178

 
150

 
—

 
340

 
1,000,187

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
17,691,210

 
$
21,070

 
$
29,146

 
$
96,613

 
$
165,657

 
$
18,003,696


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2017 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,833,668

 
$
—

 
4,204

 
$
—

 
$
92,284

 
$
2,930,156

Services
 
2,983,222

 
514

 
486

 
107

 
2,620

 
2,986,949

Wholesale/retail
 
1,468,284

 
398

 
—

 
—

 
2,574

 
1,471,256

Manufacturing
 
490,739

 
—

 
73

 
—

 
5,962

 
496,774

Healthcare
 
2,284,770

 
15,218

 
—

 
—

 
14,765

 
2,314,753

Other commercial and industrial
 
514,701

 
85

 
78

 
125

 
19,098

 
534,087

Total commercial
 
10,575,384

 
16,215

 
4,841

 
232

 
137,303

 
10,733,975

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
115,213

 
200

 
—

 
—

 
1,832

 
117,245

Retail
 
691,256

 
—

 
—

 
—

 
276

 
691,532

Office
 
831,118

 
254

 
—

 
123

 
275

 
831,770

Multifamily
 
979,625

 
22

 
370

 
—

 
—

 
980,017

Industrial
 
573,014

 
—

 
—

 
—

 
—

 
573,014

Other commercial real estate
 
285,937

 
—

 
—

 
—

 
472

 
286,409

Total commercial real estate
 
3,476,163

 
476

 
370

 
123

 
2,855

 
3,479,987

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
1,014,588

 
3,435

 
219

 
—

 
25,193

 
1,043,435

Permanent mortgages guaranteed by U.S. government agencies
 
22,692

 
18,978

 
13,468

 
133,189

 
9,179

 
197,506

Home equity
 
717,007

 
2,206

 
440

 
17

 
13,075

 
732,745

Total residential mortgage
 
1,754,287

 
24,619

 
14,127

 
133,206

 
47,447

 
1,973,686

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
964,374

 
681

 
191

 
261

 
269

 
965,776

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,770,208

 
$
41,991

 
19,529

 
$
133,822

 
$
187,874

 
$
17,153,424


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of June 30, 2017 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,723,248

 
$
—

 
—

 
$
—

 
$
123,992

 
$
2,847,240

Services
 
2,949,562

 
50

 
180

 
1,281

 
7,754

 
2,958,827

Wholesale/retail
 
1,532,986

 
89

 
—

 
—

 
10,620

 
1,543,695

Manufacturing
 
536,481

 
—

 
—

 
—

 
9,656

 
546,137

Healthcare
 
2,196,088

 
925

 
—

 
—

 
24,505

 
2,221,518

Other commercial and industrial
 
499,743

 
45

 
119

 
1

 
20,630

 
520,538

Total commercial
 
10,438,108

 
1,109

 
299

 
1,282

 
197,157

 
10,637,955

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
139,070

 
471

 
—

 
—

 
2,051

 
141,592

Retail
 
722,504

 
—

 
—

 
—

 
301

 
722,805

Office
 
862,577

 
—

 
—

 
—

 
396

 
862,973

Multifamily
 
952,370

 
—

 
—

 
—

 
10

 
952,380

Industrial
 
693,635

 
—

 
—

 
—

 
—

 
693,635

Other commercial real estate
 
314,187

 
3

 
—

 
—

 
1,017

 
315,207

Total commercial real estate
 
3,684,343

 
474

 
—

 
—

 
3,775

 
3,688,592

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
962,443

 
2,024

 
1,026

 
132

 
23,415

 
989,040

Permanent mortgages guaranteed by U.S. government agencies
 
36,867

 
18,416

 
13,581

 
113,813

 
9,052

 
191,729

Home equity
 
744,735

 
1,564

 
362

 
—

 
11,768

 
758,429

Total residential mortgage
 
1,744,045

 
22,004

 
14,969

 
113,945

 
44,235

 
1,939,198

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
916,852

 
487

 
289

 
—

 
272

 
917,900

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,783,348

 
$
24,074

 
15,557

 
$
115,227

 
$
245,439

 
$
17,183,645