| Loans [Text Block] | Loans Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows. Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Accrued but not paid interest receivable is included in Receivables in the Consolidated Balance Sheets. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management’s judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower’s financial condition or a sustained period of performance. For loans acquired with no evidence of credit deterioration, discounts are accreted on either an individual basis for loans with unique characteristics or on a pool basis for groups of homogeneous loans. Accretion is discontinued when a loan with an individually attributed discount is placed on nonaccruing status. Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). Primarily all TDRs are classified as nonaccruing, excluding loans guaranteed by U.S. government agencies. Modifications generally consist of extension of payment terms or interest rate concessions and may result either voluntarily through negotiations with the borrower or involuntarily through court order. Payment deferrals up to six months are generally considered to be short-term modifications. Generally, principal and accrued but unpaid interest is not voluntarily forgiven. Performing loans may be renewed under the current collateral value, debt service ratio and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. Occasionally, loans, other than residential mortgage loans, may be held for sale in order to manage credit concentration. These loans are carried at the lower of cost or fair value with gains or losses recognized in Other gains (losses), net in the Consolidated Statements of Earnings. All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a TDR. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral value. Internally risk graded loans are evaluated quarterly and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status. Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable. Amortization does not anticipate loan prepayments. Net unamortized fees are recognized in full at time of payoff. Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. Guaranteed loans are considered to be impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. A portion of the principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in TDRs in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors. Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk. Portfolio segments of the loan portfolio are as follows (in thousands): March 31, 2021 December 31, 2020 Fixed Variable Non-accrual Total Fixed Variable Non-accrual Total Commercial $ 3,264,973 $ 9,245,738 $ 147,073 $ 12,657,784 $ 3,174,203 $ 9,736,173 $ 167,159 $ 13,077,535 Commercial real estate 1,019,531 3,456,573 27,243 4,503,347 1,047,486 3,623,806 27,246 4,698,538 Paycheck protection program 1,848,550 — — 1,848,550 1,682,310 — — 1,682,310 Loans to individuals 2,146,671 1,335,792 41,703 3,524,166 2,174,874 1,333,975 40,288 3,549,137 Total $ 8,279,725 $ 14,038,103 $ 216,019 $ 22,533,847 $ 8,078,873 $ 14,693,954 $ 234,693 $ 23,007,520 Credit Commitments Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At March 31, 2021, outstanding commitments totaled $11.2 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans. The amount of collateral obtained, if deemed necessary, is based upon management’s credit evaluation of the borrower. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At March 31, 2021, outstanding standby letters of credit totaled $714 million. Allowances for Credit Losses and Accrual for Off-balance Sheet Credit Risk from Unfunded Loans Commitments The allowance for loan losses and accrual for off-balance sheet credit risk from unfunded loan commitments represent the portion of the amortized cost basis of loans that we do not expect to collect over the asset’s contractual life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. The appropriateness of the allowance for credit losses, including industry and product adjustments, is assessed quarterly by a senior management Allowance Committee. This review is based on an on-going evaluation of the estimated expected credit losses in the portfolio and on unused commitments to provide financing. A well-documented methodology has been developed and is applied by an independent Credit Administration department to assure consistency across the Company. The allowance for loan losses consists of specific allowances attributed to certain individual loans, generally nonaccruing loans, with dissimilar risk characteristics that have not yet been charged down to amounts we expect to recover and general allowances for estimated credit losses on pools of loans that share similar risk characteristics. When full collection of principal or interest is uncertain, the loan’s risk characteristics have changed, and we exclude the loan from the general allowance pool, typically designating it as nonaccruing. For these loans, a specific allowance reflects the expected credit loss. We measure specific allowances for loans excluded from the general allowance pool by an evaluation of estimated future cash flows discounted at the loan's initial effective interest rate or the fair value of collateral for certain collateral dependent loans. For a non-collateral dependent loan, the specific allowance is the amount by which the loan’s amortized cost basis exceeds its net realizable value. We measure the specific allowance for collateral dependent loans as the amount by which the loan’s amortized cost basis exceeds its fair value. When repayment is expected to be provided substantially through the sale of collateral, we deduct estimated selling costs from the collateral’s fair value. Generally, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice serve as the basis for the fair value of real property held as collateral. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. For energy loans, our internal staff of engineers generally determines collateral value of mineral rights based on projected cash flows from proven oil and gas reserves under existing economic and operating conditions. For real property held as collateral for other loans, third party appraisals that conform to Uniform Standards of Professional Appraisal Practice generally serve as the basis for the fair value. These appraised values are on an “as-is” basis and generally are not adjusted by the Company. We obtain updated appraisals at least annually or more frequently if market conditions indicate collateral values may have declined. Our special assets staff generally determines the value of other collateral based on projected liquidation cash flows under current market conditions. We evaluate collateral values and available cash resources quarterly. Historical statistics may be used to estimate specific allowances in limited situations, such as when a collateral dependent loan is removed from the general allowance pool near the end of a reporting period until an appraisal of collateral value is received or a full assessment of future cash flows is completed. General allowances estimate expected credit losses on pools of loans sharing similar risk characteristics that are expected to occur over the loan’s estimated remaining life. The loan’s estimated remaining life represents the contractual term adjusted for amortization, estimates of prepayments, and borrower-owned extension options. Approximately 90 percent of the committed dollars in the loan portfolio is risk graded loans with general allowance model inputs that include probability of default, loss given default, and exposure at default. Probability of default is based on the migration of loans from performing to nonperforming using historical life of loan analysis periods. Loss given default is based on the aggregate losses incurred, net of estimated recoveries. Exposure at default represents an estimate of the outstanding amount of credit exposure at the time a default may occur. Charge-off migration is used to calculate the general allowance for the majority of non-risk graded loans to individuals. The expected credit loss on less than 10 percent of the committed dollars in the portfolio is calculated using charge-off migration. The expected credit loss on approximately 1 percent of the committed dollars in the portfolio is calculated using a non-modeled approach. Specifically, the calculation applies a long-term net charge-off rate to the loan balances, adjusted for the weighted average remaining maturity of each portfolio. In estimating the expected credit losses for general allowances on performing risk-graded loans, each portfolio class is assigned relevant economic loss drivers which best explain variations in portfolio net loss rates. The probability of default estimates for each portfolio class are adjusted for current and forecasted economic conditions. The result is applied to the exposure at default and loss given default to calculate the lifetime expected credit loss estimate. Selection of relevant economic loss drivers is re-evaluated periodically and involves statistical analysis as well as management judgment. The unemployment rate factors significantly in the allowance for loan losses calculation, affecting commercial and loans to individuals segments. Other primary factors impacting the commercial portfolio include BBB corporate spreads, real gross domestic product growth rate, and energy commodity prices. The primary commercial real estate variables are vacancy rate and BBB corporate spreads. In addition to the unemployment rate, the forecast for loans to individuals is tied to home price index. The forecasts may include regional economic factors when localized conditions diverge from national conditions. An Economic Forecast Committee, consisting of senior management with members largely independent of the allowance process develops a twelve-month forward-looking forecast for the relevant economic loss drivers. Management develops these forecasts based on external data as well as a view of future economic conditions, which may include adjustments for regional conditions. The forecast includes three economic scenarios and probability weights for each scenario. The base forecast represents management's view of the most likely outcome, while the downside forecast reflects reasonably possible worsening economic conditions, and the upside forecast projects reasonably possible improving conditions. At the end of the one-year reasonable and supportable forecast period, we transition from shorter-term expected losses to long-term loss averages for the loan’s estimated remaining life. The difference between short-term loss forecasts and long-term loss averages is run-off over the reversion horizon, up to three years, depending on the forecasted economic scenarios. General allowances also consider the estimated impact of factors that are not captured in the modeled results or historical experience. These factors may increase or decrease modeled results by amounts determined by the Allowance Committee. Factors not captured in modeled results or historical experience may include for example, new lines of business, market conditions that have not been previously encountered, observed changes in credit risk that are not yet reflected in macro-economic factors, or economic conditions that impact loss given default assumptions. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees that are not unconditionally cancelable by the bank. This accrual is included in other liabilities in the Consolidated Balance Sheets. The appropriateness of the accrual is determined in the same manner as the allowance for loan losses, with the added consideration of commitment usage over the remaining life for those loans that the bank can not unconditionally cancel. A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate Allowance for Credit Losses. Recoveries of loans previously charged off are added to the allowance when received. 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 March 31, 2021 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 254,934 $ 86,558 $ — $ 47,148 $ — $ 388,640 Provision for loan losses (9,893) (4,579) — (7,298) — (21,770) Loans charged off (15,345) (263) — (1,297) — (16,905) Recoveries of loans previously charged off 1,676 30 — 731 — 2,437 Ending Balance $ 231,372 $ 81,746 $ — $ 39,284 — $ 352,402 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 (1,686) (2,273) — (85) — (4,044) Ending Balance $ 12,736 $ 18,298 $ — $ 1,843 $ — $ 32,877 Three Months Ended March 31, 2020 Commercial Commercial Real Estate Paycheck Protection Program Loans to Individuals Nonspecific Allowance Total Allowance for loan losses: Beginning balance $ 118,187 $ 51,805 $ — $ 23,572 $ 17,195 $ 210,759 Transition adjustment 33,681 (4,620) — 13,943 (17,195) 25,809 Beginning balance, adjusted 151,868 47,185 — 37,515 — 236,568 Provision for loan losses 77,723 5,115 — 13,126 — 95,964 Loans charged off (16,615) (886) — (1,416) — (18,917) Recoveries of loans previously charged off 462 47 — 1,187 — 1,696 Ending Balance $ 213,438 $ 51,461 $ — $ 50,412 — $ 315,311 Allowance for off-balance sheet credit risk from unfunded loan commitments: Beginning balance $ 1,434 $ 107 $ — $ 44 $ — $ 1,585 Transition adjustment 10,144 11,660 — 1,748 — 23,552 Beginning balance, adjusted 11,578 11,767 — 1,792 — 25,137 Provision for off-balance sheet credit risk 2,462 808 — 107 — 3,377 Ending Balance $ 14,040 $ 12,575 $ — $ 1,899 — $ 28,514 Changes in our reasonable and supportable forecasts of macroeconomic variables, primarily due to the anticipated impact of the on-going COVID-19 pandemic, and other assumptions, resulted in a $31.1 million reduction in the allowance for lending activities during the first quarter of 2021. Changes in the loan portfolio characteristics, including specific impairment and losses, loan balances and risk grading resulted in a $5.2 million increase in the allowance for lending activities. The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at March 31, 2021 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,510,711 $ 214,711 $ 147,073 $ 16,661 $ 12,657,784 $ 231,372 Commercial real estate 4,476,104 78,356 27,243 3,390 4,503,347 81,746 Paycheck protection program 1,848,550 — — — 1,848,550 — Loans to individuals 3,482,463 39,284 41,703 — 3,524,166 39,284 Total $ 22,317,828 $ 332,351 $ 216,019 $ 20,051 $ 22,533,847 $ 352,402 The allowance for loan losses and recorded investment of the related loans by portfolio segment for each measurement method at December 31, 2020 is as follows (in thousands): Collectively Measured Individually Measured Total Recorded Investment Related Allowance Recorded Investment Related Allowance Recorded Investment Related Commercial $ 12,910,376 $ 235,882 $ 167,159 $ 19,052 $ 13,077,535 $ 254,934 Commercial real estate 4,671,292 83,169 27,246 3,389 4,698,538 86,558 Paycheck protection program 1,682,310 — — — 1,682,310 — Loans to individuals 3,508,849 47,148 40,288 — 3,549,137 47,148 Total $ 22,772,827 $ 366,199 $ 234,693 $ 22,441 $ 23,007,520 $ 388,640 Credit Quality Indicators The Company utilizes risk grading as primary credit quality indicators as it influences the probability of default which is a key attribute in the expected credit losses calculation. Substantially all commercial as well as commercial real estate loans and certain loans to individuals are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most loans to individuals are small, homogeneous pools that are not risk-graded. The credit quality of these loans is based on past due days in accordance with regulatory guidelines. We have included in the credit quality indicator “pass” loans that are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers’ ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of “pass.” This also includes past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors’ programs. Other loans especially mentioned ("Special Mention") are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. Non-graded loans 30 to 59 days past due are categorized as Special Mention. The risk grading process identified certain loans that have a well-defined weakness (for example, inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for “substandard.” Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans remain on accruing status. Non-graded loans 60 to 89 days past due are categorized as Accruing Substandard. Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines. Non-graded loans 90 or more days past due are categorized as Nonaccrual. Probability of default is lowest for pass graded loans and increases for each credit quality indicator, Special Mention, and Accruing Substandard. Vintage represents the year of origination, except for revolving loans which are considered in aggregate. Loans that were once revolving but have converted to term loans without additional underwriting appear in a separate vintage column. The following table summarizes the Company’s loan portfolio at March 31, 2021 by the risk grade categories and vintage (in thousands): Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 63,102 $ 81,658 $ 51,881 $ 78,812 $ 6,731 $ 8,019 $ 2,388,115 $ — $ 2,678,318 Special Mention 17,000 — — — — — 144,976 — 161,976 Accruing Substandard — 24,051 1,319 1,337 — 11,922 221,765 — 260,394 Nonaccrual — 21,008 2,488 — — 13,340 64,964 — 101,800 Total energy 80,102 126,717 55,688 80,149 6,731 33,281 2,819,820 — 3,202,488 Healthcare Pass 114,646 570,755 617,791 615,371 394,541 780,397 153,973 — 3,247,474 Special Mention — — — — — 504 5 — 509 Accruing Substandard — — 27,500 1,032 — 11,056 — — 39,588 Nonaccrual — — 18 — — 2,660 509 — 3,187 Total healthcare 114,646 570,755 645,309 616,403 394,541 794,617 154,487 — 3,290,758 Services Pass 182,186 542,579 381,122 327,241 300,688 1,005,483 574,095 627 3,314,021 Special Mention — 138 1,446 1,008 7 1,844 1,971 — 6,414 Accruing Substandard — 421 11,238 18,435 5,288 9,471 28,627 — 73,480 Nonaccrual — 4,732 448 766 14,369 7,033 685 — 28,033 Total services 182,186 547,870 394,254 347,450 320,352 1,023,831 605,378 627 3,421,948 General business Pass 118,267 361,002 370,674 274,644 209,218 297,857 1,032,658 2,305 2,666,625 Special Mention — 189 4,850 3,401 7,469 1,781 4,903 — 22,593 Accruing Substandard — 1,392 2,575 12,901 8,738 10,287 3,408 18 39,319 Nonaccrual — 1,675 3,887 5,893 1,430 565 558 45 14,053 Total general business 118,267 364,258 381,986 296,839 226,855 310,490 1,041,527 2,368 2,742,590 Total commercial 495,201 1,609,600 1,477,237 1,340,841 948,479 2,162,219 4,621,212 2,995 12,657,784 Commercial real estate: Pass 73,306 812,635 1,215,895 796,047 430,066 951,180 163,737 37 4,442,903 Special Mention — — — 3,201 14,110 6,900 — — 24,211 Accruing Substandard — — — — 4,454 4,509 27 — 8,990 Nonaccrual — — 8,300 — — 18,943 — — 27,243 Total commercial real estate 73,306 812,635 1,224,195 799,248 448,630 981,532 163,764 37 4,503,347 Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 544,128 1,304,422 — — — — — — 1,848,550 Total paycheck protection program 544,128 1,304,422 — — — — — — 1,848,550 Loans to individuals: Residential mortgage Pass 124,830 534,781 119,866 100,259 103,645 433,347 318,319 23,567 1,758,614 Special Mention — 22 — 1,851 — 3,429 204 74 5,580 Accruing Substandard — — — — — — 400 — 400 Nonaccrual — 626 124 1,913 728 24,658 4,013 822 32,884 Total residential mortgage 124,830 535,429 119,990 104,023 104,373 461,434 322,936 24,463 1,797,478 Residential mortgage guaranteed by U.S. government agencies Pass — 7,101 32,171 35,189 45,744 291,282 — — 411,487 Nonaccrual — — — 873 — 7,691 — — 8,564 Total residential mortgage guaranteed by U.S. government agencies — 7,101 32,171 36,062 45,744 298,973 — — 420,051 Personal: Pass 44,298 215,962 192,533 73,230 97,757 155,714 524,716 1,370 1,305,580 Special Mention — 28 14 21 2 474 12 — 551 Accruing Substandard — — 215 — — 17 19 — 251 Nonaccrual — 2 11 60 73 81 28 — 255 Total personal 44,298 215,992 192,773 73,311 97,832 156,286 524,775 1,370 1,306,637 Total loans to individuals 169,128 758,522 344,934 213,396 247,949 916,693 847,711 25,833 3,524,166 Total loans $ 1,281,763 $ 4,485,179 $ 3,046,366 $ 2,353,485 $ 1,645,058 $ 4,060,444 $ 5,632,687 $ 28,865 $ 22,533,847 The following table summarizes the Company’s loan portfolio at December 31, 2020 by the risk grade categories and vintage (in thousands): Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Commercial: Energy Pass $ 112,614 $ 51,863 $ 89,346 $ 7,178 $ 1,148 $ 7,956 $ 2,548,663 $ — $ 2,818,768 Special Mention — — — — — — 202,590 — 202,590 Accruing Substandard 24,000 1,363 1,453 — 12,667 — 283,294 — 322,777 Nonaccrual 21,076 2,607 — — — 21,064 80,312 — 125,059 Total energy 157,690 55,833 90,799 7,178 13,815 29,020 3,114,859 — 3,469,194 Healthcare Pass 536,745 615,221 638,302 422,834 234,399 658,286 147,132 — 3,252,919 Special Mention — 27,500 — — — 8,282 5 — 35,787 Accruing Substandard — — 1,191 929 132 11,387 — — 13,639 Nonaccrual — 18 183 — — 2,935 509 — 3,645 Total healthcare 536,745 642,739 639,676 423,763 234,531 680,890 147,646 — 3,305,990 Services Pass 534,853 436,384 372,867 307,374 373,785 683,936 665,491 682 3,375,372 Special Mention 150 9,057 389 291 2,038 2,000 3,063 — 16,988 Accruing Substandard 429 6,380 26,008 6,027 5,030 7,954 38,797 — 90,625 Nonaccrual 4,833 448 — 12,590 1,049 6,138 540 — 25,598 Total services 540,265 452,269 399,264 326,282 381,902 700,028 707,891 682 3,508,583 General business Pass 419,756 394,985 310,273 236,222 103,987 186,600 1,055,878 2,316 2,710,017 Special Mention 197 4,519 9,713 7,803 2,511 3,159 2,483 19 30,404 Accruing Substandard 1,432 3,069 6,694 10,935 10,042 3,729 4,449 140 40,490 Nonaccrual 1,675 3,728 4,863 1,436 530 107 477 41 12,857 Total general business 423,060 406,301 331,543 256,396 117,070 193,595 1,063,287 2,516 2,793,768 Total commercial 1,657,760 1,557,142 1,461,282 1,013,619 747,318 1,603,533 5,033,683 3,198 13,077,535 Commercial real estate: Pass 725,577 1,211,338 954,226 489,193 314,899 722,475 223,131 38 4,640,877 Special Mention — — 259 12,311 2,725 5,831 — — 21,126 Accruing Substandard — — — 4,410 — 4,852 27 — 9,289 Nonaccrual — 8,300 — 232 7,468 11,246 — — 27,246 Total commercial real estate 725,577 1,219,638 954,485 506,146 325,092 744,404 223,158 38 4,698,538 Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Revolving Loans Converted to Term Loans Total Paycheck protection program: Pass 1,682,310 — — — — — — — 1,682,310 Total paycheck protection program 1,682,310 — — — — — — — 1,682,310 Loans to individuals: Residential mortgage Pass 564,325 149,832 120,875 124,930 158,801 348,292 335,259 24,553 1,826,867 Special Mention 33 11 2,094 — 59 318 950 10 3,475 Accruing Substandard — — 51 — — 34 272 76 433 Nonaccrual 648 104 1,658 784 2,010 22,415 3,835 774 32,228 Total residential mortgage 565,006 149,947 124,678 125,714 160,870 371,059 340,316 25,413 1,863,003 Residential mortgage guaranteed by U.S. government agencies Pass 4,859 33,880 34,464 43,099 58,264 226,380 — — 400,946 Nonaccrual — — 545 — 309 6,887 — — 7,741 Total residential mortgage guaranteed by U.S. government agencies 4,859 33,880 35,009 43,099 58,573 233,267 — — 408,687 Personal: Pass 219,873 200,580 76,246 100,229 64,104 102,126 510,571 1,510 1,275,239 Special Mention 39 55 66 — 469 31 965 — 1,625 Accruing Substandard 11 214 10 — — — 29 — 264 Nonaccrual 28 17 57 73 50 49 45 — 319 Total personal 219,951 200,866 76,379 100,302 64,623 102,206 511,610 1,510 1,277,447 Total loans to individuals 789,816 384,693 236,066 269,115 284,066 706,532 851,926 26,923 3,549,137 Total loans $ 4,855,463 $ 3,161,473 $ 2,651,833 $ 1,788,880 $ 1,356,476 $ 3,054,469 $ 6,108,767 $ 30,159 $ 23,007,520 Nonaccruing Loans A summary of nonaccruing loans at March 31, 2021 follows (in thousands): As of March 31, 2021 Total With No With Allowance Related Allowance Commercial: Energy $ 101,800 $ 48,042 $ 53,758 $ 13,893 Healthcare 3,187 3,187 — — Services 28,033 24,046 3,987 2,650 General business 14,053 13,935 118 118 Total commercial 147,073 89,210 57,863 16,661 Commercial real estate 27,243 13,642 13,601 3,390 Loans to individuals: Residential mortgage 32,884 32,884 — — Residential mortgage guaranteed by U.S. government agencies 8,564 8,564 — — Personal 255 255 — — Total loans to individuals 41,703 41,703 — — Total $ 216,019 $ 144,555 $ 71,464 $ 20,051 A summary of nonaccruing loans at December 31, 2020 follows (in thousands): As of December 31, 2020 Total With No With Allowance Related Allowance Commercial: Energy $ 125,059 $ 76,633 $ 48,426 $ 16,478 Healthcare 3,645 3,645 — — Services 25,598 20,810 4,788 2,574 General business 12,857 12,857 — — Total commercial 167,159 113,945 53,214 19,052 Commercial real estate 27,246 13,645 13,601 3,389 Loans to individuals: Residential mortgage 32,228 32,228 — — Residential mortgage guaranteed by U.S. government agencies 7,741 7,741 — — Personal 319 319 — — Total loans to individuals 40,288 40,288 — — Total $ 234,693 $ 167,878 $ 66,815 $ 22,441 Troubled Debt Restructurings At March 31, 2021 the Company had $186 million in troubled debt restructurings ("TDRs"), of which $155 million were accruing residential mortgage loans guaranteed by U.S. government agencies and $17 million were nonaccruing residential mortgage loans with no specific allowance necessary. Approximately $103 million of TDRs were performing in accordance with the modified terms. At December 31, 2020, the Company had $187 million in TDRs, of which $152 million were accruing residential mortgage loans guaranteed by U.S. government agencies. Approximately $95 million of TDRs were performing in accordance with the modified terms. TDRs generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. During the three months ended March 31, 2021, $13 million of loans were restructur |
