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Loans and Allowances for Credit Losses (Tables)
9 Months Ended
Sep. 30, 2022
Loans and Leases Receivable, Net Amount [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):
 September 30, 2022December 31, 2021
Fixed
Rate
Variable
Rate
Non-accrualTotalFixed
Rate
Variable
Rate
Non-accrualTotal
Commercial$3,333,460 $10,198,556 $75,670 $13,607,686 $3,360,117 $9,072,244 $74,104 $12,506,465 
Commercial real estate
888,066 3,577,874 7,971 4,473,911 929,015 2,888,048 14,262 3,831,325 
Paycheck protection program20,233   20,233 276,341 — — 276,341 
Loans to individuals2,055,244 1,586,224 47,159 3,688,627 2,037,792 1,508,064 45,693 3,591,549 
Total$6,297,003 $15,362,654 $130,800 $21,790,457 $6,603,265 $13,468,356 $134,059 $20,205,680 
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 is summarized as follows (in thousands):
Three Months Ended
September 30, 2022
 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$137,562 $62,997 $ $40,555 $241,114 
Provision for loan losses3,158 (4,415) 2,368 1,111 
Loans charged off(75)  (1,691)(1,766)
Recoveries of loans previously charged off
721 7  581 1,309 
Ending balance$141,366 $58,589 $ $41,813 $241,768 
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$15,839 $24,670 $ $1,741 $42,250 
Provision for off-balance sheet credit risk
939 12,826  295 14,060 
Ending balance$16,778 $37,496 $ $2,036 $56,310 
Nine Months Ended
September 30, 2022
 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsTotal
Allowance for loan losses:     
Beginning balance$162,056 $58,553 $ $35,812 $256,421 
Provision for loan losses(17,428)138  8,276 (9,014)
Loans charged off(6,162)(269) (4,508)(10,939)
Recoveries2,900 167  2,233 5,300 
Ending balance$141,366 $58,589 $ $41,813 $241,768 
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$13,812 $17,442 $ $1,723 $32,977 
Provision for off-balance sheet credit losses
2,966 20,054  313 23,333 
Ending balance$16,778 $37,496 $ $2,036 $56,310 
Three Months Ended
September 30, 2021
 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsTotal
Allowance for loan losses:    
Beginning balance$198,303 $70,540 $— $43,047 $311,890 
Provision for loan losses(15,996)(9,418)— (1,981)(27,395)
Loans charged off(6,979)(1,422)— (1,183)(9,584)
Recoveries of loans previously charged off
832 228 — 709 1,769 
Ending balance$176,160 $59,928 $— $40,592 $276,680 
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$10,094 $12,348 $— $1,845 $24,287 
Provision for off-balance sheet credit risk
2,772 2,294 — (114)4,952 
Ending balance$12,866 $14,642 $— $1,731 $29,239 
Nine Months Ended
September 30, 2021
CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsTotal
Allowance for loan losses:
Beginning balance$254,934 $86,558 $— $47,148 $388,640 
Provision for loan losses(44,331)(24,579)— (5,319)(74,229)
Loans charged off(38,826)(2,485)— (3,482)(44,793)
Recoveries of loans previously charged off4,383 434 — 2,245 7,062 
Ending balance$176,160 $59,928 $— $40,592 $276,680 
Allowance for off-balance sheet credit risk from unfunded loan commitments:
Beginning balance$14,422 $20,571 $— $1,928 $36,921 
Provision for off-balance sheet credit risk(1,556)(5,929)— (197)(7,682)
Ending balance$12,866 $14,642 $— $1,731 $29,239 
A $15.0 million provision for credit losses was necessary for the third quarter of 2022, primarily related to strong loan growth in loans and unfunded commitments during the quarter. The level of uncertainty in the current economic outlook increased, resulting in an increase in the probability weighting of the downside scenario and key economic factors were slightly less favorable to economic growth across all scenarios. These changes were offset by a decrease in expected losses on commercial real estate, energy, healthcare and services loans and continued improvement in credit quality metrics.

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at September 30, 2022 is as follows (in thousands):
 Collectively Measured
for General Allowances
Individually Measured
for Specific Allowances
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$13,532,016 $125,253 $75,670 $16,113 $13,607,686 $141,366 
Commercial real estate4,465,940 57,654 7,971 935 4,473,911 58,589 
Paycheck protection program20,233    20,233  
Loans to individuals3,641,468 41,813 47,159  3,688,627 41,813 
Total$21,659,657 $224,720 $130,800 $17,048 $21,790,457 $241,768 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2021 is as follows (in thousands):

 Collectively Measured
for General Allowances
Individually Measured
for Specific Allowances
Total
 Recorded InvestmentRelated AllowanceRecorded InvestmentRelated AllowanceRecorded InvestmentRelated
Allowance
Commercial$12,432,361 $158,063 $74,104 $3,993 $12,506,465 $162,056 
Commercial real estate3,817,063 56,204 14,262 2,349 3,831,325 58,553 
Paycheck protection program276,341 — — — 276,341 — 
Loans to individuals3,545,856 35,812 45,693 — 3,591,549 35,812 
Total$20,071,621 $250,079 $134,059 $6,342 $20,205,680 $256,421 
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at September 30, 2022 by the risk grade categories and vintage (in thousands): 
Origination Year
20222021202020192018PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Energy
Pass$165,547 $87,788 $31,140 $13,509 $6,153 $5,091 $3,023,546 $ $3,332,774 
Accruing Substandard   1,046 482 688 22,909 9,525 34,650 
Nonaccrual     292 3,872  4,164 
Total energy165,547 87,788 31,140 14,555 6,635 6,071 3,050,327 9,525 3,371,588 
Healthcare
Pass734,327 603,595 515,393 462,765 464,154 748,312 229,326 22 3,757,894 
Special Mention     20,452 4  20,456 
Accruing Substandard     6,835   6,835 
Nonaccrual   26,652 6,488 8,298   41,438 
Total healthcare734,327 603,595 515,393 489,417 470,642 783,897 229,330 22 3,826,623 
Services
Pass600,374 512,773 300,490 199,238 161,527 754,204 689,197 683 3,218,486 
Special Mention313 396 295 769 940 39 999  3,751 
Accruing Substandard   2,636 50 2,867 25,666 154 31,373 
Nonaccrual 2,172    4,059 21,084  27,315 
Total services600,687 515,341 300,785 202,643 162,517 761,169 736,946 837 3,280,925 
General business
Pass579,329 433,284 205,796 197,961 143,995 306,131 1,227,059 1,883 3,095,438 
Special Mention 878   1,889 1,153 8,314  12,234 
Accruing Substandard 2,024 75 4,269 2,365 9,265 88 39 18,125 
Nonaccrual  1,073 14 953 7 677 29 2,753 
Total general business579,329 436,186 206,944 202,244 149,202 316,556 1,236,138 1,951 3,128,550 
Total commercial2,079,890 1,642,910 1,054,262 908,859 788,996 1,867,693 5,252,741 12,335 13,607,686 
Commercial real estate:
Pass854,039 1,146,736 616,509 717,579 276,614 686,543 138,168  4,436,188 
Special Mention     26,652   26,652 
Accruing Substandard     3,100   3,100 
Nonaccrual   7,571  400   7,971 
Total commercial real estate854,039 1,146,736 616,509 725,150 276,614 716,695 138,168  4,473,911 
Origination Year
20222021202020192018PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Paycheck protection program:
Pass 9,042 11,191      20,233 
Total paycheck protection program 9,042 11,191      20,233 
Loans to individuals:
Residential mortgage
Pass280,323 376,110 402,088 67,906 42,603 278,129 350,036 23,185 1,820,380 
Special Mention 59 189 16 11 261 629 37 1,202 
Accruing Substandard   17  81 51 39 188 
Nonaccrual33 1,557 2,750 358 1,936 20,564 2,049 819 30,066 
Total residential mortgage280,356 377,726 405,027 68,297 44,550 299,035 352,765 24,080 1,851,836 
Residential mortgage guaranteed by U.S. government agencies
Pass 2,235 8,876 11,995 18,851 203,552   245,509 
Nonaccrual  299 1,467 2,631 12,560   16,957 
Total residential mortgage guaranteed by U.S. government agencies 2,235 9,175 13,462 21,482 216,112   262,466 
Personal:
Pass181,102 208,625 156,718 170,232 71,133 206,780 578,456 357 1,573,403 
Special Mention26 129 25 6 12 4 1  203 
Accruing Substandard 423  160     583 
Nonaccrual10 37 14 23 7 20 25  136 
Total personal181,138 209,214 156,757 170,421 71,152 206,804 578,482 357 1,574,325 
Total loans to individuals461,494 589,175 570,959 252,180 137,184 721,951 931,247 24,437 3,688,627 
Total loans$3,395,423 $3,387,863 $2,252,921 $1,886,189 $1,202,794 $3,306,339 $6,322,156 $36,772 $21,790,457 
The following table summarizes the Company’s loan portfolio at December 31, 2021 by the risk grade categories and vintage (in thousands): 
Origination Year
20212020201920182017PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Energy
Pass$252,133 $29,556 $15,914 $13,548 $4,741 $6,765 $2,540,525 $— $2,863,182 
Special Mention558 771 — — — — 750 — 2,079 
Accruing Substandard
10,650 22,611 1,185 814 — 716 74,556 — 110,532 
Nonaccrual— 20,487 — — — 714 9,890 — 31,091 
Total energy263,341 73,425 17,099 14,362 4,741 8,195 2,625,721 — 3,006,884 
Healthcare
Pass563,800 589,193 516,558 498,998 319,096 688,136 160,154 26 3,335,961 
Special Mention6,835 — 15,583 — 11,135 — — 33,558 
Accruing Substandard
— — 27,135 543 — 1,981 — — 29,659 
Nonaccrual— — — 6,542 — 8,711 509 — 15,762 
Total healthcare570,635 589,193 559,276 506,083 330,231 698,828 160,668 26 3,414,940 
Services
Pass696,149 405,057 289,375 275,010 225,404 795,029 607,958 375 3,294,357 
Special Mention434 405 1,830 1,047 3,290 47 17,210 192 24,455 
Accruing Substandard
43 530 4,166 10,714 1,785 2,366 11,607 — 31,211 
Nonaccrual— — — 230 13,918 2,519 503 — 17,170 
Total services696,626 405,992 295,371 287,001 244,397 799,961 637,278 567 3,367,193 
General business
Pass584,438 211,892 264,462 177,384 168,977 215,014 1,047,420 2,284 2,671,871 
Special Mention218 223 60 1,435 3,842 — 5,875 — 11,653 
Accruing Substandard
265 1,066 1,634 7,697 8,336 3,024 1,821 — 23,843 
Nonaccrual— 2,444 4,562 1,046 762 518 730 19 10,081 
Total general business584,921 215,625 270,718 187,562 181,917 218,556 1,055,846 2,303 2,717,448 
Total commercial2,115,523 1,284,235 1,142,464 995,008 761,286 1,725,540 4,479,513 2,896 12,506,465 
Commercial real estate:
Pass717,400 711,231 871,283 403,115 279,058 664,684 117,847 31 3,764,649 
Special Mention— — — 6,660 10,898 9,244 — — 26,802 
Accruing Substandard
— — — 13,352 4,480 7,780 — — 25,612 
Nonaccrual— — 8,076 — — 6,186 — — 14,262 
Total commercial real estate717,400 711,231 879,359 423,127 294,436 687,894 117,847 31 3,831,325 
Origination Year
20212020201920182017PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Paycheck protection program:
Pass237,357 38,984 — — — — — — 276,341 
Total paycheck protection program237,357 38,984 — — — — — — 276,341 
Loans to individuals:
Residential mortgage
Pass386,092 452,537 84,001 60,390 68,150 295,632 320,638 21,463 1,688,903 
Special Mention— — 156 — 19 411 282 159 1,027 
Accruing Substandard98 — — — 127 41 400 — 666 
Nonaccrual1,516 1,809 383 1,968 629 22,289 2,177 803 31,574 
Total residential mortgage387,706 454,346 84,540 62,358 68,925 318,373 323,497 22,425 1,722,170 
Residential mortgage guaranteed by U.S. government agencies
Pass699 11,380 20,650 27,970 32,742 246,871 — — 340,312 
Nonaccrual— — 1,259 821 635 11,146 — — 13,861 
Total residential mortgage guaranteed by U.S. government agencies699 11,380 21,909 28,791 33,377 258,017 — — 354,173 
Personal:
Pass218,960 180,577 177,389 70,249 92,592 135,041 638,713 728 1,514,249 
Special Mention— 34 — 47 — — 93 
Accruing Substandard
435 165 — — — — 606 
Nonaccrual110 14 10 24 35 40 25 — 258 
Total personal219,505 180,605 177,598 70,276 92,627 135,129 638,738 728 1,515,206 
Total loans to individuals607,910 646,331 284,047 161,425 194,929 711,519 962,235 23,153 3,591,549 
Total loans$3,678,190 $2,680,781 $2,305,870 $1,579,560 $1,250,651 $3,124,953 $5,559,595 $26,080 $20,205,680 
Financing Receivable, Nonaccrual [Table Text Block]
A summary of nonaccruing loans at September 30, 2022 follows (in thousands): 
As of September 30, 2022
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Energy$4,164 $4,164 $ $ 
Healthcare41,438 34,951 6,487 946 
Services27,315 1,307 26,008 15,167 
General business2,753 2,753   
Total commercial75,670 43,175 32,495 16,113 
Commercial real estate7,971 400 7,571 935 
Loans to individuals:    
Residential mortgage30,066 30,066   
Residential mortgage guaranteed by U.S. government agencies
16,957 16,957   
Personal136 136   
Total loans to individuals47,159 47,159   
Total$130,800 $90,734 $40,066 $17,048 


A summary of nonaccruing loans at December 31, 2021 follows (in thousands): 
As of December 31, 2021
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Energy$31,091 $31,091 $— $— 
Healthcare15,762 9,679 6,083 53 
Services17,170 13,686 3,484 2,584 
General business10,081 7,690 2,391 1,357 
Total commercial74,104 62,146 11,958 3,994 
Commercial real estate14,262 6,186 8,076 2,349 
Loans to individuals:    
Residential mortgage31,574 31,574 — — 
Residential mortgage guaranteed by U.S. government agencies
13,861 13,861 — — 
Personal258 258 — — 
Total loans to individuals45,693 45,693 — — 
Total$134,059 $114,025 $20,034 $6,343 
Summary of Loans by Aging Status [Table Text Block]
A summary of loans currently performing and past due as of September 30, 2022 is as follows (in thousands):
  Past Due Past Due 90 Days or More and Accruing
 Current30 to 59
Days
60 to 89 Days90 Days
or More
Total
Commercial:    
Energy$3,371,588 $ $ $ $3,371,588 $ 
Healthcare3,811,313 524  14,786 3,826,623  
Services3,277,632 1,832 154 1,307 3,280,925  
General business3,127,305 590 547 108 3,128,550  
Total commercial13,587,838 2,946 701 16,201 13,607,686  
Commercial real estate4,473,593   318 4,473,911 101 
Paycheck protection program20,211  3 19 20,233 19 
Loans to individuals:    
Residential mortgage1,840,017 5,203 1,397 5,219 1,851,836  
Residential mortgage guaranteed by U.S. government agencies
121,966 40,778 18,248 81,474 262,466 73,028 
Personal1,572,650 1,649  26 1,574,325  
Total loans to individuals3,534,633 47,630 19,645 86,719 3,688,627 73,028 
Total$21,616,275 $50,576 $20,349 $103,257 $21,790,457 $73,148 
A summary of loans currently performing and past due as of December 31, 2021 is as follows (in thousands):
  Past Due Past Due 90 Days or More and Accruing
 Current30 to 59
Days
60 to 89 Days90 Days
or More
Total
Commercial:    
Energy$3,002,623 $545 $3,716 $— $3,006,884 $— 
Healthcare3,412,072 2,359 — 509 3,414,940 — 
Services3,352,639 920 4,620 9,014 3,367,193 — 
General business2,705,596 6,080 997 4,775 2,717,448 199 
Total commercial12,472,930 9,904 9,333 14,298 12,506,465 199 
Commercial real estate3,827,962 — 206 3,157 3,831,325 — 
Paycheck protection program276,341 — — — 276,341 74 
Loans to individuals:    
Residential mortgage1,707,654 6,263 1,556 6,697 1,722,170 — 
Residential mortgage guaranteed by U.S. government agencies
181,022 26,869 16,751 129,531 354,173 118,819 
Personal1,514,938 66 24 178 1,515,206 40 
Total loans to individuals3,403,614 33,198 18,331 136,406 3,591,549 118,859 
Total$19,980,847 $43,102 $27,870 $153,861 $20,205,680 $119,132