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Allowance for Credit Losses and Credit Quality (Tables)
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Schedule of Allowance for Loan Losses for Covered and Non-Covered Loan Portfolios
A summary of changes in the allowance for credit losses for the years ended December 31 is as follows:
 
2016
(Dollars in thousands)
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
93,808

 
$
44,570

 
$
138,378

Provision for (Reversal of) loan losses before benefit attributable to FDIC loss share agreements
44,791

 
(1,864
)
 
42,927

Adjustment attributable to FDIC loss share arrangements
—

 
1,497

 
1,497

Net provision for loan losses
44,791

 
(367
)
 
44,424

Adjustment attributable to FDIC loss share arrangements
—

 
(1,497
)
 
(1,497
)
Transfer of balance to OREO and other
(9
)
 
(2,772
)
 
(2,781
)
Loans charged-off
(38,055
)
 
(1,784
)
 
(39,839
)
Recoveries
5,034

 
1,000

 
6,034

Allowance for loan losses at end of period
$
105,569

 
$
39,150

 
$
144,719

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
14,145

 
$
—

 
$
14,145

Provision for (Reversal of) unfunded lending commitments
(2,904
)
 
—

 
(2,904
)
Reserve for unfunded commitments at end of period
$
11,241

 
$
—

 
$
11,241

Allowance for credit losses at end of period
$
116,810

 
$
39,150

 
$
155,960

 
2015
 
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
76,174

 
$
53,957

 
$
130,131

Provision for loan losses before benefit attributable to FDIC loss share agreements
27,711

 
1,837

 
29,548

Adjustment attributable to FDIC loss share arrangements
—

 
1,360

 
1,360

Net provision for loan losses
27,711

 
3,197

 
30,908

 
 
 
 
 
 
Adjustment attributable to FDIC loss share arrangements
—

 
(1,360
)
 
(1,360
)
Transfer of balance to OREO and other
—

 
(10,419
)
 
(10,419
)
Loans charged-off
(15,778
)
 
(1,523
)
 
(17,301
)
Recoveries
5,701

 
718

 
6,419

Allowance for loan losses at end of period
$
93,808

 
$
44,570

 
$
138,378

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
11,801

 
$
—

 
$
11,801

Provision for unfunded lending commitments
2,344

 
—

 
2,344

Reserve for unfunded commitments at end of period
$
14,145

 
$
—

 
$
14,145

Allowance for credit losses at end of period
$
107,953

 
$
44,570

 
$
152,523

 
2014
 
Legacy Loans
 
Acquired Loans
 
Total
Allowance for credit losses
 
 
 
 
 
Allowance for loan losses at beginning of period
$
67,342

 
$
75,732

 
$
143,074

Provision for loan losses before benefit attributable to FDIC loss share agreements
14,274

 
526

 
14,800

Adjustment attributable to FDIC loss share arrangements
—

 
4,260

 
4,260

Net provision for loan losses
$
14,274

 
$
4,786

 
$
19,060

 
 
 
 
 
 
Adjustment attributable to FDIC loss share arrangements
$
—

 
$
(4,260
)
 
$
(4,260
)
Transfer of balance to OREO and other
—

 
(22,157
)
 
(22,157
)
Loans charged-off
(11,312
)
 
(671
)
 
(11,983
)
Recoveries
5,870

 
527

 
6,397

Allowance for loan losses at end of period
$
76,174

 
$
53,957

 
$
130,131

 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
11,147

 
$
—

 
$
11,147

Provision for unfunded lending commitments
654

 
—

 
654

Reserve for unfunded commitments at end of period
$
11,801

 
$
—

 
$
11,801

Allowance for credit losses at end of period
$
87,975

 
$
53,957

 
$
141,932


A summary of changes in the allowance for credit losses for legacy loans, by loan portfolio type, for the years ended December 31 is as follows:
 
2016
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
24,658

 
$
23,283

 
$
23,863

 
$
3,947

 
$
18,057

 
$
93,808

Provision for (Reversal of) loan losses
4,042

 
15,476

 
14,776

 
64

 
10,433

 
44,791

Transfer of balance to OREO and other
—

 
—

 
—

 
(9
)
 
—

 
(9
)
Loans charged off
(4,316
)
 
(3,720
)
 
(16,993
)
 
(313
)
 
(12,713
)
 
(38,055
)
Recoveries
1,024

 
395

 
840

 
146

 
2,629

 
5,034

Allowance for loan losses at end of period
$
25,408

 
$
35,434

 
$
22,486

 
$
3,835

 
$
18,406

 
$
105,569

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
4,160

 
$
3,448

 
$
2,665

 
$
830

 
$
3,042

 
$
14,145

Provision for (Reversal of) unfunded commitments
(954
)
 
87

 
(1,662
)
 
(173
)
 
(202
)
 
(2,904
)
Reserve for unfunded commitments at end of period
$
3,206

 
$
3,535

 
$
1,003

 
$
657

 
$
2,840

 
$
11,241

Allowance on loans individually evaluated for impairment
$
641

 
$
10,864

 
$
9,769

 
$
144

 
$
1,358

 
$
22,776

Allowance on loans collectively evaluated for impairment
24,767


24,570

 
12,717

 
3,691

 
17,048

 
82,793

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
5,623,314

 
$
3,194,796

 
$
559,289

 
$
854,216

 
$
2,463,309

 
$
12,694,924

Balance at end of period individually evaluated for impairment
34,031

 
41,518

 
196,327

 
4,312

 
16,457

 
292,645

Balance at end of period collectively evaluated for impairment
5,589,283

 
3,153,278

 
$
362,962

 
849,904

 
2,446,852

 
12,402,279

 
2015
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
26,752

 
$
24,455

 
$
5,949

 
$
2,678

 
$
16,340

 
$
76,174

Provision for (Reversal of) loan losses
(1,466
)
 
(103
)
 
17,917

 
1,493

 
9,870

 
27,711

Loans charged off
(2,525
)
 
(1,276
)
 
(3
)
 
(291
)
 
(11,683
)
 
(15,778
)
Recoveries
1,897

 
207

 
—

 
67

 
3,530

 
5,701

Allowance for loan losses at end of period
$
24,658

 
$
23,283

 
$
23,863

 
$
3,947

 
$
18,057

 
$
93,808

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
3,370

 
$
3,733

 
$
1,596

 
$
168

 
$
2,934

 
$
11,801

Provision for (Reversal of) unfunded commitments
790

 
(285
)
 
1,069

 
662

 
108

 
2,344

Reserve for unfunded commitments at end of period
$
4,160

 
$
3,448

 
$
2,665

 
$
830

 
$
3,042

 
$
14,145

Allowance on loans individually evaluated for impairment
$
1,246

 
$
272

 
$
2,122

 
$
1

 
$
352

 
$
3,993

Allowance on loans collectively evaluated for impairment
23,412

 
23,011

 
21,741

 
3,946

 
17,705

 
89,815

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
4,504,062

 
$
2,952,102

 
$
677,177

 
$
694,023

 
$
2,363,156

 
$
11,190,520

Balance at end of period individually evaluated for impairment
28,857

 
20,086

 
13,020

 
70

 
4,608

 
66,641

Balance at end of period collectively evaluated for impairment
4,475,205

 
2,932,016

 
$
664,157

 
693,953

 
2,358,548

 
11,123,879

 
2014
(Dollars in thousands)
Commercial Real Estate
 
Commercial and Industrial
 
Energy-related
 
Residential Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
22,872

 
$
20,839

 
$
6,878

 
$
2,546

 
$
14,207

 
$
67,342

Provision for (Reversal of) loan losses
2,171

 
4,971

 
(929
)
 
566

 
7,495

 
14,274

Loans charged off
(1,164
)
 
(1,400
)
 
—

 
(578
)
 
(8,170
)
 
(11,312
)
Recoveries
2,873

 
45

 
—

 
144

 
2,808

 
5,870

Allowance for loan losses at end of period
$
26,752

 
$
24,455

 
$
5,949

 
$
2,678

 
$
16,340

 
$
76,174

 
 
 
 
 
 
 
 
 
 
 
 
Reserve for unfunded commitments at beginning of period
$
3,071

 
$
1,814

 
$
3,043

 
$
72

 
$
3,147

 
$
11,147

Provision for (Reversal of) unfunded commitments
299

 
1,919

 
(1,447
)
 
96

 
(213
)
 
654

Reserve for unfunded commitments at end of period
$
3,370

 
$
3,733

 
$
1,596

 
$
168

 
$
2,934

 
$
11,801

Allowance on loans individually evaluated for impairment
$
20

 
$
407

 
$
—

 
$
—

 
$
3

 
$
430

Allowance on loans collectively evaluated for impairment
26,732

 
24,048

 
5,949

 
2,678

 
16,337

 
75,744

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
3,676,811

 
$
2,452,521

 
$
872,866

 
$
527,694

 
$
2,138,822

 
$
9,668,714

Balance at end of period individually evaluated for impairment
7,036

 
3,965

 
—

 
—

 
699

 
11,700

Balance at end of period collectively evaluated for impairment
3,669,775

 
2,448,556

 
872,866

 
527,694

 
2,138,123

 
9,657,014

A summary of changes in the allowance for loan losses for acquired loans, by loan portfolio type, for the years ended December 31 is as follows:
 
2016
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Energy-related
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
25,979

 
$
2,819

 
$
125

 
$
7,841

 
$
7,806

 
$
44,570

Provision for (Reversal of) loan losses
(1,598
)
 
1,645

 
(86
)
 
759

 
(1,087
)
 
(367
)
Decrease in FDIC loss share receivable
(34
)
 
(50
)
 
—

 
(1,090
)
 
(323
)
 
(1,497
)
Transfer of balance to OREO and other
(868
)
 
(519
)
 
—

 
(132
)
 
(1,253
)
 
(2,772
)
Loans charged off
(22
)
 
(932
)
 
—

 
—

 
(830
)
 
(1,784
)
Recoveries
117

 
267

 
—

 
34

 
582

 
1,000

Allowance for loan losses at end of period
$
23,574

 
$
3,230

 
$
39

 
$
7,412

 
$
4,895

 
$
39,150

Allowance on loans individually evaluated for impairment
$
737

 
$
780

 
$
—

 
$
—

 
$
—

 
$
1,517

Allowance on loans collectively evaluated for impairment
22,837

 
2,450

 
39

 
7,412

 
4,895

 
37,633

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
1,178,952

 
$
348,326

 
$
1,904

 
$
413,184

 
$
427,681

 
$
2,370,047

Balance at end of period individually evaluated for impairment
8,246

 
1,879

 
—

 
—

 
10

 
10,135

Balance at end of period collectively evaluated for impairment
890,038

 
313,715

 
1,904

 
290,232

 
333,837

 
1,829,726

Balance at end of period acquired with deteriorated credit quality
280,668

 
32,732

 
—

 
122,952

 
93,834

 
530,186

 
2015
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Energy-related
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
29,949

 
$
3,265

 
$
51

 
$
6,484

 
$
14,208

 
$
53,957

Provision for (Reversal of) loan losses
2,182

 
(122
)
 
74

 
2,126

 
(1,063
)
 
3,197

Increase (Decrease) in FDIC loss share receivable
757

 
(49
)
 
—

 
(235
)
 
(1,833
)
 
(1,360
)
Transfer of balance to OREO and other
(6,849
)
 
(275
)
 
—

 
(491
)
 
(2,804
)
 
(10,419
)
Loans charged off
(281
)
 
—

 
—

 
(71
)
 
(1,171
)
 
(1,523
)
Recoveries
221

 
—

 
—

 
28

 
469

 
718

Allowance for loan losses at end of period
$
25,979

 
$
2,819

 
$
125

 
$
7,841

 
$
7,806

 
$
44,570

Allowance on loans individually evaluated for impairment
$
—

 
$
41

 
$
—

 
$
—

 
$
45

 
$
86

Allowance on loans collectively evaluated for impairment
25,979

 
2,778

 
125

 
7,841

 
7,761

 
44,484

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
1,569,449

 
$
492,476

 
$
3,589

 
$
501,296

 
$
570,098

 
$
3,136,908

Balance at end of period individually evaluated for impairment
720

 
164

 
—

 
—

 
458

 
1,342

Balance at end of period collectively evaluated for impairment
1,157,652

 
441,550

 
2,358

 
360,716

 
448,571

 
2,410,847

Balance at end of period acquired with deteriorated credit quality
411,077

 
50,762

 
1,231

 
140,580

 
121,069

 
724,719

 
2014
(Dollars in thousands)
Commercial
Real Estate
 
Commercial
and Industrial
 
Energy-related
 
Residential
Mortgage
 
Consumer
 
Total
Allowance for loan losses at beginning of period
$
42,026

 
$
6,641

 
$
—

 
$
10,889

 
$
16,176

 
$
75,732

Provision for loan losses
665

 
536

 
51

 
1,296

 
2,238

 
4,786

Increase (Decrease) in FDIC loss share receivable
227

 
509

 
—

 
(3,854
)
 
(1,142
)
 
(4,260
)
Transfer of balance to OREO and other
(13,117
)
 
(4,421
)
 
—

 
(1,914
)
 
(2,705
)
 
(22,157
)
Loans charged off
—

 
—

 
—

 
(35
)
 
(636
)
 
(671
)
Recoveries
148

 
—

 
—

 
102

 
277

 
527

Allowance for loan losses at end of period
$
29,949

 
$
3,265

 
$
51

 
$
6,484

 
$
14,208

 
$
53,957

Allowance on loans individually evaluated for impairment
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Allowance on loans collectively evaluated for impairment
29,949

 
3,265

 
51

 
6,484

 
14,208

 
53,957

Loans, net of unearned income:
 
 
 
 
 
 
 
 
 
 
 
Balance at end of period
$
684,968

 
$
119,174

 
$
7,742

 
$
552,603

 
$
407,843

 
$
1,772,330

Balance at end of period individually evaluated for impairment
—

 
—

 
—

 
—

 
—

 
—

Balance at end of period collectively evaluated for impairment
169,338

 
60,584

 
7,742

 
402,347

 
265,168

 
905,179

Balance at end of period acquired with deteriorated credit quality
515,630

 
58,590

 
—

 
150,256

 
142,675

 
867,151
Investment in Legacy and Acquired Loans by Credit Quality Indicator
The Company’s investment in loans by credit quality indicator is presented in the following tables. The tables below further segregate the Company’s loans between loans that were originated by the Company (legacy loans) and acquired loans. Loan premiums/discounts in the tables below represent the adjustment of acquired loans to fair value at the acquisition date, as adjusted for income accretion and changes in cash flow estimates in subsequent periods. Asset risk classifications for commercial loans reflect the classification as of December 31, 2016 and 2015, respectively. Credit quality information in the tables below includes total loans acquired (including acquired impaired loans) at the gross loan balance, prior to the application of premiums/discounts, at December 31, 2016 and 2015.
Loan delinquency is the primary credit quality indicator that the Company utilizes to monitor consumer asset quality.
 
Legacy loans
 
December 31, 2016
 
December 31, 2015
(Dollars in thousands)
Pass
 
Special Mention
 
Sub-
standard
 
Doubtful
 
Total
 
Pass
 
Special Mention
 
Sub-
standard
 
Doubtful
 
Total
Commercial real estate - Construction
$
734,687

 
$
2,203

 
$
3,871

 
$
—

 
$
740,761

 
$
634,889

 
$
160

 
$
1,432

 
$
—

 
$
636,481

Commercial real estate - Other
4,801,494

 
26,159

 
54,900

 
—

 
4,882,553

 
3,806,528

 
21,877

 
37,001

 
2,175

 
3,867,581

Commercial and industrial
3,112,300

 
29,763

 
35,199

 
17,534

 
3,194,796

 
2,911,396

 
14,826

 
19,888

 
5,992

 
2,952,102

Energy-related
242,123

 
80,084

 
225,724

 
11,358

 
559,289

 
531,657

 
67,937

 
74,272

 
3,311

 
677,177

Total
$
8,890,604

 
$
138,209

 
$
319,694

 
$
28,892

 
$
9,377,399

 
$
7,884,470

 
$
104,800

 
$
132,593

 
$
11,478

 
$
8,133,341

 
Legacy loans
 
December 31, 2016
 
December 31, 2015
(Dollars in thousands)
Current
 
30+ Days Past Due
 
Total
 
Current
 
30+ Days Past Due
 
Total
Residential mortgage
$
836,509

 
$
17,707

 
$
854,216

 
$
676,347

 
$
17,676

 
$
694,023

Consumer - Home equity
1,768,763

 
14,658

 
1,783,421

 
1,565,596

 
10,047

 
1,575,643

Consumer - Indirect automobile
127,054

 
3,994

 
131,048

 
242,328

 
3,886

 
246,214

Consumer - Credit card
81,602

 
922

 
82,524

 
76,360

 
901

 
77,261

Consumer - Other
462,650

 
3,666

 
466,316

 
460,594

 
3,444

 
464,038

Total
$
3,276,578

 
$
40,947

 
$
3,317,525

 
$
3,021,225

 
$
35,954

 
$
3,057,179


 
Acquired loans
 
December 31, 2016
 
December 31, 2015
(Dollars in thousands)
Pass
 
Special
Mention
 
Sub-standard
 
Doubtful
 
Loss
 
Premium/(Discount)
 
Total
 
Pass
 
Special
Mention
 
Sub-standard
 
Doubtful
 
Loss
 
Premium/(Discount)
 
Total
Commercial real estate - Construction
$
46,498

 
$
459

 
$
3,118

 
$
2,574

 
$
—

 
$
8,759

 
$
61,408

 
$
104,064

 
$
1,681

 
$
8,803

 
$
771

 
$
—

 
$
10,107

 
$
125,426

Commercial real
estate - Other
1,090,063

 
19,284

 
49,136

 
1,457

 
23

 
(42,419
)
 
1,117,544

 
1,395,884

 
26,080

 
79,119

 
6,124

 
111

 
(63,295
)
 
1,444,023

Commercial and industrial
323,154

 
1,416

 
27,749

 
494

 
—

 
(4,487
)
 
348,326

 
473,241

 
8,376

 
16,510

 
1,206

 
43

 
(6,900
)
 
492,476

Energy-related
1,910

 
—

 
—

 
—

 
—

 
(6
)
 
1,904

 
2,166

 
55

 
170

 
1,198

 
—

 
—

 
3,589

Total
$
1,461,625

 
$
21,159

 
$
80,003

 
$
4,525

 
$
23

 
$
(38,153
)
 
$
1,529,182

 
$
1,975,355

 
$
36,192

 
$
104,602

 
$
9,299

 
$
154

 
$
(60,088
)
 
$
2,065,514

 
Acquired loans
 
December 31, 2016
 
December 31, 2015
(Dollars in thousands)
Current
 
30+ Days Past Due
 
Premium (Discount)
 
Total
 
Current
 
30+ Days Past Due
 
Premium (Discount)
 
Total
Residential mortgage
$
424,300

 
$
20,914

 
$
(32,030
)
 
$
413,184

 
$
506,103

 
$
24,752

 
$
(29,559
)
 
$
501,296

Consumer - Home equity
377,021

 
12,807

 
(17,323
)
 
372,505

 
503,635

 
16,381

 
(29,492
)
 
490,524

Consumer - Indirect automobile
12

 
—

 
(8
)
 
4

 
72

 
12

 
—

 
84

Consumer - Other
58,141

 
1,423

 
(4,392
)
 
55,172

 
79,732

 
1,475

 
(1,717
)
 
79,490

Total
$
859,474

 
$
35,144

 
$
(53,753
)
 
$
840,865

 
$
1,089,542

 
$
42,620

 
$
(60,768
)
 
$
1,071,394
Schedule of Investment in Legacy Impaired Loans
Information on the Company’s investment in legacy impaired loans, which include all TDRs and all other non-accrual loans evaluated or measured individually for impairment purposes of determining the allowance for loan losses, is presented in the following tables as of and for the periods indicated. 
 
December 31, 2016
(Dollars in thousands)
Unpaid Principal Balance
 
Recorded Investment
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
17,299

 
$
16,507

 
$
—

 
$
21,133

 
$
948

Commercial and industrial
14,202

 
13,189

 
—

 
15,492

 
805

Energy-related
152,424

 
143,239

 
—

 
114,623

 
2,903

Consumer - Home equity
—

 
—

 
—

 
—

 
—

Consumer - Other
—

 
—

 
—

 
—

 
—

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
17,688

 
17,524

 
(641
)
 
16,771

 
494

Commercial and industrial
28,829

 
28,329

 
(10,864
)
 
29,333

 
1,107

Energy-related
53,967

 
53,088

 
(9,769
)
 
47,469

 
1,677

Residential mortgage
4,627

 
4,312

 
(144
)
 
4,377

 
161

Consumer - Home equity
13,906

 
13,257

 
(993
)
 
10,227

 
434

Consumer - Indirect automobile
1,037

 
758

 
(114
)
 
956

 
49

Consumer - Other
2,447

 
2,442

 
(251
)
 
1,469

 
102

Total
$
306,426

 
$
292,645

 
$
(22,776
)
 
$
261,850

 
$
8,680

Total commercial loans
$
284,409

 
$
271,876

 
$
(21,274
)
 
$
244,821

 
$
7,934

Total mortgage loans
4,627

 
4,312

 
(144
)
 
4,377

 
161

Total consumer loans
17,390

 
16,457

 
(1,358
)
 
12,652

 
585

 
December 31, 2015
(Dollars in thousands)
Unpaid Principal Balance
 
Recorded Investment
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
17,002

 
$
16,145

 
$
—

 
$
15,864

 
$
315

Commercial and industrial
14,571

 
14,340

 
—

 
18,839

 
1,148

Energy-related
—

 
—

 
—

 
—

 
—

Consumer - Home equity
730

 
730

 
—

 
533

 
22

Consumer - Other
66

 
66

 
—

 
66

 
5

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
12,765

 
12,712

 
(1,246
)
 
12,985

 
530

Commercial and industrial
5,748

 
5,746

 
(272
)
 
5,975

 
313

Energy-related
13,046

 
13,020

 
(2,122
)
 
13,899

 
454

Residential mortgage
70

 
70

 
(1
)
 
70

 
5

Consumer - Home equity
3,859

 
3,683

 
(337
)
 
2,453

 
73

Consumer - Other
130

 
129

 
(15
)
 
30

 
3

Total
$
67,987

 
$
66,641

 
$
(3,993
)
 
$
70,714

 
$
2,868

Total commercial loans
$
63,132

 
$
61,963

 
$
(3,640
)
 
$
67,562

 
$
2,760

Total mortgage loans
70

 
70

 
(1
)
 
70

 
5

Total consumer loans
4,785

 
4,608

 
(352
)
 
3,082

 
103

 
December 31, 2014
(Dollars in thousands)
Unpaid Principal Balance
 
Recorded Investment
 
Related
Allowance
 
Average
Recorded
Investment
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
$
7,615

 
$
6,680

 
$
—

 
$
6,703

 
$
132

Commercial and industrial
3,710

 
2,483

 
—

 
2,602

 
39

Consumer - Home equity
748

 
682

 
—

 
696

 
19

With an allowance recorded:
 
 
 
 
 
 
 
 
 
Commercial real estate
356

 
356

 
(20
)
 
378

 
23

Commercial and industrial
1,590

 
1,482

 
(407
)
 
1,849

 
24

Consumer - Other
17

 
17

 
(3
)
 
18

 
2

Total
$
14,036

 
$
11,700

 
$
(430
)
 
$
12,246

 
$
239

Total commercial loans
$
13,271

 
$
11,001

 
$
(427
)
 
$
11,532

 
$
218

Total mortgage loans
—

 
—

 
—

 
—

 
—

Total consumer loans
765

 
699

 
(3
)
 
714

 
21