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Loans and Allowances for Credit Losses (Tables)
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Loans and Leases Receivable, Net Amount [Abstract]    
Schedule of the Loans by Portfolio Segment [Table Text Block]
The portfolio segments of the loan portfolio are as follows (in thousands):
 December 31, 2022December 31, 2021
Fixed
Rate
Variable
Rate
Non-accrualTotalFixed
Rate
Variable
Rate
Non-accrualTotal
Commercial$3,378,110 $10,759,780 $60,297 $14,198,187 $3,360,117 $9,072,244 $74,104 $12,506,465 
Commercial real estate
874,716 3,715,491 16,570 4,606,777 929,015 2,888,048 14,262 3,831,325 
Paycheck protection program14,312   14,312 276,341 — — 276,341 
Loans to individuals2,099,165 1,593,779 44,930 3,737,874 2,037,792 1,508,064 45,693 3,591,549 
Total$6,366,303 $16,069,050 $121,797 $22,557,150 $6,603,265 $13,468,356 $134,059 $20,205,680 
Foregone interest on nonaccrual loans
$6,796 $14,102 
 
Rollforward of Allowance For Loan Losses And Accrual for Off-Balnace 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 year ended December 31, 2022 is summarized as follows (in thousands):
 CommercialCommercial Real EstatePaycheck
Protection
Program
Loans to
Individuals
Nonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$162,056 $58,553 $ $35,812 $ $256,421 
Provision for loan losses(12,782)(813) 14,023  428 
Loans charged off(22,382)(269) (6,095) (28,746)
Recoveries of loans previously charged off4,694 177  2,730  7,601 
Ending balance$131,586 $57,648 $ $46,470 $ $235,704 
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 risk
4,434 23,048  460  27,942 
Ending balance$18,246 $40,490 $ $2,183 $ $60,919 

A $30.0 million provision for credit losses was recorded for the year ended December 31, 2022, primarily due to strong growth in loans and loan commitments, partially offset by improvement in credit quality metrics. The uncertainty in our economic forecast increased resulting in an increase in the probability weighting of the downside scenario. In addition, some key economic factors were less favorable to growth across all scenarios.
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 year ended December 31, 2021 is summarized as follows (in thousands):

 CommercialCommercial Real EstatePaycheck
Protection
Program
Loans to
Individuals
Nonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$254,934 $86,558 $— $47,148 $— $388,640 
Provision for loan losses(59,326)(26,522)— (9,354)— (95,202)
Loans charged off(43,956)(2,485)— (4,910)— (51,351)
Recoveries of loans previously charged off10,404 1,002 — 2,928 — 14,334 
Ending balance$162,056 $58,553 $— $35,812 $— $256,421 
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
(610)(3,129)— (205)— (3,944)
Ending balance$13,812 $17,442 $— $1,723 $— $32,977 

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 for the year ended December 31, 2020 summarized as follows (in thousands):

 CommercialCommercial Real EstatePaycheck Protection ProgramLoans to IndividualsNonspecific AllowanceTotal
Allowance for loan losses:      
Beginning balance$118,187 $51,805 $— $23,572 $17,195 $210,759 
Transition adjustment33,681 (4,620)— 13,943 (17,195)25,809 
Beginning balance, adjusted151,868 47,185 — 37,515 — 236,568 
Provision for loan losses171,800 40,407 — 10,253 — 222,460 
Loans charged off(73,370)(1,300)— (4,729)— (79,399)
Recoveries4,636 266 — 4,109 — 9,011 
Ending balance$254,934 $86,558 $— $47,148 $— $388,640 
Allowance for off-balance sheet credit risk from unfunded loan commitments:      
Beginning balance1,434 107 — 44 — 1,585 
Transition adjustment10,144 11,660 — 1,748 — 23,552 
Beginning balance, adjusted11,578 11,767 — 1,792 — 25,137 
Provision for off-balance sheet credit losses2,844 8,804 — 136 — 11,784 
Ending balance$14,422 $20,571 $— $1,928 $— $36,921 
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 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$14,137,890 $127,566 $60,297 $4,020 $14,198,187 $131,586 
Commercial real estate4,590,207 56,098 16,570 1,550 4,606,777 57,648 
Paycheck protection program14,312    14,312  
Loans to individuals3,692,944 46,470 44,930  3,737,874 46,470 
Total$22,435,353 $230,134 $121,797 $5,570 $22,557,150 $235,704 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment 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]
Origination Year
20222021202020192018PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Commercial:
Healthcare
Pass$932,097 $604,886 $476,854 $404,204 $464,989 $618,163 $245,898 $20 $3,747,111 
Special Mention   20,071  18,859 4  38,934 
Accruing Substandard     14,304 3,634  17,938 
Nonaccrual   26,480 6,373 8,181   41,034 
Total healthcare932,097 604,886 476,854 450,755 471,362 659,507 249,536 20 3,845,017 
Energy
Pass157,745 76,951 30,284 12,783 5,992 4,980 3,104,906  3,393,641 
Accruing Substandard   664 385 683 28,018  29,750 
Nonaccrual     159 1,240  1,399 
Total energy157,745 76,951 30,284 13,447 6,377 5,822 3,134,164  3,424,790 
Services
Pass821,785 496,510 286,085 193,481 156,736 696,300 722,371 639 3,373,907 
Special Mention502 5,139 989 771 894 1,345 8,668  18,308 
Accruing Substandard   2,459 43 2,789 17,665 122 23,078 
Nonaccrual 5,570 449   2,389 7,820  16,228 
Total services822,287 507,219 287,523 196,711 157,673 702,823 756,524 761 3,431,521 
General business
Pass725,894 358,383 187,418 172,878 139,140 283,694 1,570,536 2,329 3,440,272 
Special Mention17,759 13,065 208 71 7 2,291 7,094 26 40,521 
Accruing Substandard 2,169 66 4,130 4,680 3,287 94 4 14,430 
Nonaccrual  1,052 14 72 5 485 8 1,636 
Total general business743,653 373,617 188,744 177,093 143,899 289,277 1,578,209 2,367 3,496,859 
Total commercial2,655,782 1,562,673 983,405 838,006 779,311 1,657,429 5,718,433 3,148 14,198,187 
Commercial real estate:
Pass1,188,483 1,158,002 552,616 641,102 247,625 633,304 161,616  4,582,748 
Accruing Substandard
   7,459     7,459 
Nonaccrual     16,570   16,570 
Total commercial real estate1,188,483 1,158,002 552,616 648,561 247,625 649,874 161,616  4,606,777 
Origination Year
20222021202020192018PriorRevolving LoansRevolving Loans Converted to Term LoansTotal
Paycheck protection program:
Pass 3,456 10,856      14,312 
Total paycheck protection program 3,456 10,856      14,312 
Loans to individuals:
Residential mortgage
Pass354,497 373,190 393,002 63,142 40,525 260,625 352,126 22,176 1,859,283 
Special Mention 81 42  142 388 527 87 1,267 
Accruing Substandard  187   138 117 1 443 
Nonaccrual32 1,656 2,717 362 1,904 20,139 2,216 765 29,791 
Total residential mortgage354,529 374,927 395,948 63,504 42,571 281,290 354,986 23,029 1,890,784 
Residential mortgage guaranteed by U.S. government agencies
Pass289 2,254 9,000 10,722 17,244 191,426   230,935 
Nonaccrual  299 1,460 2,319 10,927   15,005 
Total residential mortgage guaranteed by U.S. government agencies289 2,254 9,299 12,182 19,563 202,353   245,940 
Personal
Pass254,497 193,095 154,887 172,114 68,871 201,278 549,187 332 1,594,261 
Special Mention47 28 40 12 17  6,003 4 6,151 
Accruing Substandard 444  160     604 
Nonaccrual38 7 12 22 14 18 23  134 
Total personal254,582 193,574 154,939 172,308 68,902 201,296 555,213 336 1,601,150 
Total loans to individuals609,400 570,755 560,186 247,994 131,036 684,939 910,199 23,365 3,737,874 
Total loans$4,453,665 $3,294,886 $2,107,063 $1,734,561 $1,157,972 $2,992,242 $6,790,248 $26,513 $22,557,150 
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:
Healthcare
Pass$563,800 $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 
Energy
Pass252,133 29,556 15,914 13,548 4,741 6,765 2,540,525 — 2,863,182 
Special Mention558 771 — — — — 750 — 2,079 
Accruing Substandard10,650 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 
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 Substandard43 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 Substandard265 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 Substandard435 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 as of December 31, 2022 follows (in thousands): 
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Healthcare$41,034 $34,661 $6,373 $946 
Services16,228 7,835 8,393 3,074 
Energy1,399 1,399   
General business1,636 1,636   
Total commercial60,297 45,531 14,766 4,020 
Commercial real estate16,570 393 16,177 1,550 
Loans to individuals:    
Residential mortgage29,791 29,791   
Residential mortgage guaranteed by U.S. government agencies
15,005 15,005   
Personal134 134   
Total loans to individuals44,930 44,930   
Total$121,797 $90,854 $30,943 $5,570 

A summary of nonaccruing loans as of December 31, 2021 follows (in thousands):
 TotalWith No
Allowance
With AllowanceRelated Allowance
Commercial:    
Energy$31,091 $31,091 $— $— 
Services17,170 13,686 3,484 2,584 
Healthcare15,762 9,679 6,083 53 
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 December 31, 2022 is as follows (in thousands):
  Past Due 
 Current30 to 59
Days
60 to 89
Days
90 Days
or More
TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,812,164 $5,914 $26,480 $459 $3,845,017 $ 
Energy3,424,766 24   3,424,790  
Services3,423,042 1,060 2,461 4,958 3,431,521  
General business3,496,815 26 18  3,496,859  
Total commercial14,156,787 7,024 28,959 5,417 14,198,187  
Commercial real estate4,606,029 531  217 4,606,777  
Paycheck protection program12,279 231 1,406 396 14,312 396 
Loans to individuals:    
Permanent mortgage1,872,155 10,632 1,828 6,169 1,890,784 114 
Permanent mortgages guaranteed by U.S. government agencies
108,019 36,119 19,400 82,402 245,940 75,604 
Personal1,600,595 502 21 32 1,601,150  
Total loans to individuals3,580,769 47,253 21,249 88,603 3,737,874 75,718 
Total$22,355,864 $55,039 $51,614 $94,633 $22,557,150 $76,114 
A summary of loans currently performing and past due as of December 31, 2021 is as follows (in thousands):

  Past Due 
 Current30 to 59
Days
60 to 89
Days
90 Days
or More
TotalPast Due 90 Days or More and Accruing
Commercial:    
Healthcare$3,412,072 $2,359 $— $509 $3,414,940 $— 
Services3,352,639 920 4,620 9,014 3,367,193 — 
Energy3,002,623 545 3,716 — 3,006,884 — 
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:    
Permanent mortgage1,707,654 6,263 1,556 6,697 1,722,170 — 
Permanent mortgages 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