Loans | 90 days Total Past Due Non-accrual Loans Total Loans Commercial real estate - construction $ 1,008,834 $ 214 $ — $ — $ 214 $ 1,431 $ 1,010,479 Commercial real estate - owner-occupied 1,804,289 343 1,687 33 2,063 8,815 1,815,167 Commercial real estate- non-owner-occupied 3,277,719 3,245 3,046 267 6,558 5,007 3,289,284 Commercial and industrial 3,349,442 10,633 1,429 — 12,062 29,195 3,390,699 Energy-related 453,357 2,240 — — 2,240 94,565 550,162 Residential mortgage 955,343 1,933 1,693 310 3,936 11,682 970,961 Consumer - home equity 1,819,163 4,983 4,161 — 9,144 10,534 1,838,841 Consumer - indirect automobile 89,590 1,353 261 — 1,614 902 92,106 Consumer - credit card 85,690 168 117 — 285 612 86,587 Consumer - other 444,743 2,809 567 — 3,376 1,005 449,124 Total $ 13,288,170 $ 27,921 $ 12,961 $ 610 $ 41,492 $ 163,748 $ 13,493,410 December 31, 2016 Legacy loans Accruing (Dollars in thousands) Current or less than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Total Loans Commercial real estate - construction $ 740,761 $ — $ — $ — $ — $ — $ 740,761 Commercial real estate - owner-occupied 1,775,695 959 127 — 1,086 7,843 1,784,624 Commercial real estate- non-owner-occupied 3,088,207 902 224 — 1,126 8,596 3,097,929 Commercial and industrial 3,158,700 3,999 870 — 4,869 31,227 3,194,796 Energy-related 407,434 — 1,526 — 1,526 150,329 559,289 Residential mortgage 836,509 2,012 1,577 1,104 4,693 13,014 854,216 Consumer - home equity 1,768,763 5,249 1,430 — 6,679 7,979 1,783,421 Consumer - indirect automobile 127,054 2,551 405 — 2,956 1,038 131,048 Consumer - credit card 81,602 199 99 — 298 624 82,524 Consumer - other 462,650 2,155 618 — 2,773 893 466,316 Total $ 12,447,375 $ 18,026 $ 6,876 $ 1,104 $ 26,006 $ 221,543 $ 12,694,924 June 30, 2017 Acquired loans (1) (2) Accruing (Dollars in thousands) Current or Less Than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Discount/Premium Acquired Impaired Loans Total Loans Commercial real estate - construction $ 53,564 $ 216 $ — $ — $ 216 $ 1,118 $ (183 ) $ 34,994 $ 89,709 Commercial real estate - owner-occupied 284,841 — — — — 3,684 (2,670 ) 104,386 390,241 Commercial real estate- non-owner-occupied 441,193 2,067 319 — 2,386 4,035 (94 ) 99,203 546,723 Commercial and industrial 256,584 47 4,651 — 4,698 1,382 (712 ) 31,430 293,382 Energy-related 1,657 154 — — 154 — (5 ) — 1,806 Residential mortgage 263,658 14 403 192 609 1,598 (1,609 ) 111,250 375,506 Consumer - home equity 242,091 407 1,279 — 1,686 1,947 (4,497 ) 78,880 320,107 Consumer - indirect automobile 18 — — — — — — 6 24 Consumer - credit card — — — — — — — 501 501 Consumer - other 40,644 307 94 — 401 444 (859 ) 3,977 44,607 Total $ 1,584,250 $ 3,212 $ 6,746 $ 192 $ 10,150 $ 14,208 $ (10,629 ) $ 464,627 $ 2,062,606 December 31, 2016 Acquired loans (1) (2) Accruing (Dollars in thousands) Current or Less Than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Discount/Premium Acquired Impaired Loans Total Loans Commercial real estate - construction $ 26,714 $ — $ — $ — $ — $ 1,946 $ (243 ) $ 32,991 $ 61,408 Commercial real estate - owner-occupied 326,761 493 55 — 548 166 (3,084 ) 125,621 450,012 Commercial real estate- non-owner-occupied 544,731 223 — 32 255 1,055 (565 ) 122,056 667,532 Commercial and industrial 314,990 73 51 — 124 1,317 (837 ) 32,732 348,326 Energy-related 1,910 — — — — — (6 ) — 1,904 Residential mortgage 290,031 328 989 — 1,317 719 (1,835 ) 122,952 413,184 Consumer - home equity 286,411 1,078 189 250 1,517 1,395 (5,237 ) 88,419 372,505 Consumer - indirect automobile — — — — — — — 4 4 Consumer - credit card 468 — — — — — — — 468 Consumer - other 49,449 391 97 — 488 360 (1,004 ) 5,411 54,704 Total $ 1,841,465 $ 2,586 $ 1,381 $ 282 $ 4,249 $ 6,958 $ (12,811 ) $ 530,186 $ 2,370,047 (1) Past due and non-accrual information presents acquired loans at the gross loan balance, prior to application of discounts. (2) Past due and non-accrual loan amounts exclude acquired impaired loans, even if contractually past due or if the Company does not expect to receive payment in full, as the Company is currently accreting interest income over the expected life of the loans. Loans Acquired The following is a summary of changes in the accretable difference for all loans accounted for under ASC 310-30 during the six months ended June 30: (Dollars in thousands) 2017 2016 Balance at beginning of period $ 175,054 $ 227,502 Transfers from non-accretable difference to accretable yield 2,544 4,425 Accretion (28,496 ) (36,256 ) Changes in expected cash flows not affecting non-accretable differences (1) 2,439 8,949 Balance at end of period $ 151,541 $ 204,620 (1) Includes changes in cash flows expected to be collected due to the impact of changes in actual or expected timing of liquidation events, modifications, changes in interest rates and changes in prepayment assumptions. Troubled Debt Restructurings Information about the Company’s troubled debt restructurings ("TDRs") at June 30, 2017 and 2016 is presented in the following tables. Modifications of loans that are accounted for within a pool under ASC Topic 310-30 are excluded as TDRs. Accordingly, such modifications do not result in the removal of those loans from the pool, even if the modification of those loans would otherwise be considered a TDR. As a result, all such acquired loans that would otherwise meet the criteria for classification as a TDR are excluded from the tables below. TDRs totaling $28.4 million and $165.3 million occurred during the six months ended June 30, 2017 and June 30, 2016, respectively, through modification of the original loan terms. The following table provides information on how the TDRs were modified during the periods indicated: Three Months Ended June 30 Six Months Ended June 30 (Dollars in thousands) 2017 2016 2017 2016 Extended maturities $ 8,488 $ 54,758 $ 15,014 $ 57,533 Maturity and interest rate adjustment 3,886 30,781 6,502 31,048 Movement to or extension of interest-rate only payments 38 440 138 440 Interest rate adjustment 26 134 26 134 Forbearance 3,466 33,426 4,687 38,367 Other concession(s) (1) 1,988 15,985 2,031 37,761 Total $ 17,892 $ 135,524 $ 28,398 $ 165,283 (1) Other concessions may include covenant waivers, forgiveness of principal or interest associated with a customer bankruptcy, or a combination of any of the above concessions. Of the $28.4 million of TDRs occurring during the six months ended June 30, 2017, $22.8 million are on accrual status and $5.6 million are on non-accrual status. Of the $165.3 million of TDRs occurring during the six months ended June 30, 2016, $126.6 million were on accrual status and $38.7 million were on non-accrual status. The following table presents the end of period balance for loans modified in a TDR during the periods indicated: Three Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Commercial real estate- construction 1 $ 275 $ 275 — $ — $ — Commercial real estate- owner-occupied 1 32 31 3 794 785 Commercial real estate- non-owner-occupied 6 2,721 2,795 6 10,777 10,047 Commercial and industrial 24 9,028 8,551 16 19,496 19,353 Energy-related — — — 19 82,882 100,205 Residential mortgage 6 521 492 10 1,438 1,438 Consumer - home equity 33 4,820 4,807 36 2,750 2,750 Consumer - indirect 23 224 114 — — — Consumer - other 30 832 827 61 946 946 Total 124 $ 18,453 $ 17,892 151 $ 119,083 $ 135,524 Six Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Commercial real estate- construction 1 $ 275 $ 275 1 $ 28 $ 26 Commercial real estate- owner-occupied 2 1,730 1,698 5 1,069 1,050 Commercial real estate- non-owner-occupied 11 4,409 4,465 10 11,516 10,749 Commercial and industrial 33 9,254 8,747 28 24,018 23,632 Energy-related — — — 25 110,443 119,890 Residential mortgage 10 780 730 25 4,733 4,692 Consumer - home equity 66 10,851 10,771 57 3,928 3,916 Consumer - indirect 33 360 222 — — — Consumer - other 50 1,547 1,490 85 1,386 1,328 Total 206 $ 29,206 $ 28,398 236 $ 157,121 $ 165,283 Information detailing TDRs that defaulted during the three-month and six-month periods ended June 30, 2017 and 2016, and were modified in the previous twelve months (i.e., the twelve months prior to the default) is presented in the following tables. The Company has defined a default as any loan with a loan payment that is currently past due greater than 30 days , or was past due greater than 30 days at any point during the respective periods, or since the date of modification, whichever is shorter. Three Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial real estate- construction — $ — — $ — Commercial real estate- owner-occupied 5 2,297 — — Commercial real estate- non-owner-occupied 9 5,640 4 1,358 Commercial and industrial 17 8,081 5 758 Energy-related — — 1 2,250 Residential mortgage 5 454 4 480 Consumer - home equity 19 1,532 17 1,112 Consumer - indirect automobile 9 75 — — Consumer - other 17 592 34 482 Total 81 $ 18,671 65 $ 6,440 Six Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial real estate- construction 2 $ 132 — $ — Commercial real estate- owner-occupied 7 2,404 — — Commercial real estate- non-owner-occupied 14 6,406 8 1,377 Commercial and industrial 25 8,239 8 3,273 Energy-related — — 1 2,250 Residential mortgage 21 1,854 7 536 Consumer - home equity 37 2,488 24 1,608 Consumer - indirect automobile 33 328 — — Consumer - other 29 893 67 598 Total 168 $ 22,744 115 $ 9,642" id="sjs-B4">LOANS Loans consist of the following, segregated into legacy and acquired loans, for the periods indicated: June 30, 2017 (Dollars in thousands) Legacy Loans Acquired Loans Total Commercial loans: Commercial real estate- construction $ 1,010,479 $ 89,709 $ 1,100,188 Commercial real estate- owner-occupied 1,815,167 390,241 2,205,408 Commercial real estate- non-owner-occupied 3,289,284 546,723 3,836,007 Commercial and industrial 3,390,699 293,382 3,684,081 Energy-related 550,162 1,806 551,968 10,055,791 1,321,861 11,377,652 Residential mortgage loans: 970,961 375,506 1,346,467 Consumer and other loans: Home equity 1,838,841 320,107 2,158,948 Indirect automobile 92,106 24 92,130 Other 535,711 45,108 580,819 2,466,658 365,239 2,831,897 Total $ 13,493,410 $ 2,062,606 $ 15,556,016 December 31, 2016 (Dollars in thousands) Legacy Loans Acquired Loans Total Commercial loans: Commercial real estate- construction $ 740,761 $ 61,408 $ 802,169 Commercial real estate- owner-occupied 1,784,624 450,012 2,234,636 Commercial real estate- non-owner-occupied 3,097,929 667,532 3,765,461 Commercial and industrial 3,194,796 348,326 3,543,122 Energy-related 559,289 1,904 561,193 9,377,399 1,529,182 10,906,581 Residential mortgage loans: 854,216 413,184 1,267,400 Consumer and other loans: Home equity 1,783,421 372,505 2,155,926 Indirect automobile 131,048 4 131,052 Other 548,840 55,172 604,012 2,463,309 427,681 2,890,990 Total $ 12,694,924 $ 2,370,047 $ 15,064,971 Net deferred loan origination fees were $24.1 million and $22.6 million at June 30, 2017 and December 31, 2016, respectively. In addition to loans issued in the normal course of business, the Company considers overdrafts on customer deposit accounts to be loans and reclassifies these overdrafts as loans in its consolidated balance sheets. At June 30, 2017 and December 31, 2016, overdrafts of $5.9 million and $4.2 million , respectively, have been reclassified to loans. Loans with carrying values of $4.5 billion were pledged as collateral for borrowings at both June 30, 2017 and December 31, 2016, respectively. Aging Analysis The following tables provide an analysis of the aging of loans as of June 30, 2017 and December 31, 2016. Due to the difference in accounting for acquired loans, the tables below further segregate the Company’s loans between loans originated, or renewed and underwritten by the Company ("legacy loans") and acquired loans. June 30, 2017 Legacy loans Accruing (Dollars in thousands) Current or less than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Total Loans Commercial real estate - construction $ 1,008,834 $ 214 $ — $ — $ 214 $ 1,431 $ 1,010,479 Commercial real estate - owner-occupied 1,804,289 343 1,687 33 2,063 8,815 1,815,167 Commercial real estate- non-owner-occupied 3,277,719 3,245 3,046 267 6,558 5,007 3,289,284 Commercial and industrial 3,349,442 10,633 1,429 — 12,062 29,195 3,390,699 Energy-related 453,357 2,240 — — 2,240 94,565 550,162 Residential mortgage 955,343 1,933 1,693 310 3,936 11,682 970,961 Consumer - home equity 1,819,163 4,983 4,161 — 9,144 10,534 1,838,841 Consumer - indirect automobile 89,590 1,353 261 — 1,614 902 92,106 Consumer - credit card 85,690 168 117 — 285 612 86,587 Consumer - other 444,743 2,809 567 — 3,376 1,005 449,124 Total $ 13,288,170 $ 27,921 $ 12,961 $ 610 $ 41,492 $ 163,748 $ 13,493,410 December 31, 2016 Legacy loans Accruing (Dollars in thousands) Current or less than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Total Loans Commercial real estate - construction $ 740,761 $ — $ — $ — $ — $ — $ 740,761 Commercial real estate - owner-occupied 1,775,695 959 127 — 1,086 7,843 1,784,624 Commercial real estate- non-owner-occupied 3,088,207 902 224 — 1,126 8,596 3,097,929 Commercial and industrial 3,158,700 3,999 870 — 4,869 31,227 3,194,796 Energy-related 407,434 — 1,526 — 1,526 150,329 559,289 Residential mortgage 836,509 2,012 1,577 1,104 4,693 13,014 854,216 Consumer - home equity 1,768,763 5,249 1,430 — 6,679 7,979 1,783,421 Consumer - indirect automobile 127,054 2,551 405 — 2,956 1,038 131,048 Consumer - credit card 81,602 199 99 — 298 624 82,524 Consumer - other 462,650 2,155 618 — 2,773 893 466,316 Total $ 12,447,375 $ 18,026 $ 6,876 $ 1,104 $ 26,006 $ 221,543 $ 12,694,924 June 30, 2017 Acquired loans (1) (2) Accruing (Dollars in thousands) Current or Less Than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Discount/Premium Acquired Impaired Loans Total Loans Commercial real estate - construction $ 53,564 $ 216 $ — $ — $ 216 $ 1,118 $ (183 ) $ 34,994 $ 89,709 Commercial real estate - owner-occupied 284,841 — — — — 3,684 (2,670 ) 104,386 390,241 Commercial real estate- non-owner-occupied 441,193 2,067 319 — 2,386 4,035 (94 ) 99,203 546,723 Commercial and industrial 256,584 47 4,651 — 4,698 1,382 (712 ) 31,430 293,382 Energy-related 1,657 154 — — 154 — (5 ) — 1,806 Residential mortgage 263,658 14 403 192 609 1,598 (1,609 ) 111,250 375,506 Consumer - home equity 242,091 407 1,279 — 1,686 1,947 (4,497 ) 78,880 320,107 Consumer - indirect automobile 18 — — — — — — 6 24 Consumer - credit card — — — — — — — 501 501 Consumer - other 40,644 307 94 — 401 444 (859 ) 3,977 44,607 Total $ 1,584,250 $ 3,212 $ 6,746 $ 192 $ 10,150 $ 14,208 $ (10,629 ) $ 464,627 $ 2,062,606 December 31, 2016 Acquired loans (1) (2) Accruing (Dollars in thousands) Current or Less Than 30 days past due 30-59 days 60-89 days > 90 days Total Past Due Non-accrual Loans Discount/Premium Acquired Impaired Loans Total Loans Commercial real estate - construction $ 26,714 $ — $ — $ — $ — $ 1,946 $ (243 ) $ 32,991 $ 61,408 Commercial real estate - owner-occupied 326,761 493 55 — 548 166 (3,084 ) 125,621 450,012 Commercial real estate- non-owner-occupied 544,731 223 — 32 255 1,055 (565 ) 122,056 667,532 Commercial and industrial 314,990 73 51 — 124 1,317 (837 ) 32,732 348,326 Energy-related 1,910 — — — — — (6 ) — 1,904 Residential mortgage 290,031 328 989 — 1,317 719 (1,835 ) 122,952 413,184 Consumer - home equity 286,411 1,078 189 250 1,517 1,395 (5,237 ) 88,419 372,505 Consumer - indirect automobile — — — — — — — 4 4 Consumer - credit card 468 — — — — — — — 468 Consumer - other 49,449 391 97 — 488 360 (1,004 ) 5,411 54,704 Total $ 1,841,465 $ 2,586 $ 1,381 $ 282 $ 4,249 $ 6,958 $ (12,811 ) $ 530,186 $ 2,370,047 (1) Past due and non-accrual information presents acquired loans at the gross loan balance, prior to application of discounts. (2) Past due and non-accrual loan amounts exclude acquired impaired loans, even if contractually past due or if the Company does not expect to receive payment in full, as the Company is currently accreting interest income over the expected life of the loans. Loans Acquired The following is a summary of changes in the accretable difference for all loans accounted for under ASC 310-30 during the six months ended June 30: (Dollars in thousands) 2017 2016 Balance at beginning of period $ 175,054 $ 227,502 Transfers from non-accretable difference to accretable yield 2,544 4,425 Accretion (28,496 ) (36,256 ) Changes in expected cash flows not affecting non-accretable differences (1) 2,439 8,949 Balance at end of period $ 151,541 $ 204,620 (1) Includes changes in cash flows expected to be collected due to the impact of changes in actual or expected timing of liquidation events, modifications, changes in interest rates and changes in prepayment assumptions. Troubled Debt Restructurings Information about the Company’s troubled debt restructurings ("TDRs") at June 30, 2017 and 2016 is presented in the following tables. Modifications of loans that are accounted for within a pool under ASC Topic 310-30 are excluded as TDRs. Accordingly, such modifications do not result in the removal of those loans from the pool, even if the modification of those loans would otherwise be considered a TDR. As a result, all such acquired loans that would otherwise meet the criteria for classification as a TDR are excluded from the tables below. TDRs totaling $28.4 million and $165.3 million occurred during the six months ended June 30, 2017 and June 30, 2016, respectively, through modification of the original loan terms. The following table provides information on how the TDRs were modified during the periods indicated: Three Months Ended June 30 Six Months Ended June 30 (Dollars in thousands) 2017 2016 2017 2016 Extended maturities $ 8,488 $ 54,758 $ 15,014 $ 57,533 Maturity and interest rate adjustment 3,886 30,781 6,502 31,048 Movement to or extension of interest-rate only payments 38 440 138 440 Interest rate adjustment 26 134 26 134 Forbearance 3,466 33,426 4,687 38,367 Other concession(s) (1) 1,988 15,985 2,031 37,761 Total $ 17,892 $ 135,524 $ 28,398 $ 165,283 (1) Other concessions may include covenant waivers, forgiveness of principal or interest associated with a customer bankruptcy, or a combination of any of the above concessions. Of the $28.4 million of TDRs occurring during the six months ended June 30, 2017, $22.8 million are on accrual status and $5.6 million are on non-accrual status. Of the $165.3 million of TDRs occurring during the six months ended June 30, 2016, $126.6 million were on accrual status and $38.7 million were on non-accrual status. The following table presents the end of period balance for loans modified in a TDR during the periods indicated: Three Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Commercial real estate- construction 1 $ 275 $ 275 — $ — $ — Commercial real estate- owner-occupied 1 32 31 3 794 785 Commercial real estate- non-owner-occupied 6 2,721 2,795 6 10,777 10,047 Commercial and industrial 24 9,028 8,551 16 19,496 19,353 Energy-related — — — 19 82,882 100,205 Residential mortgage 6 521 492 10 1,438 1,438 Consumer - home equity 33 4,820 4,807 36 2,750 2,750 Consumer - indirect 23 224 114 — — — Consumer - other 30 832 827 61 946 946 Total 124 $ 18,453 $ 17,892 151 $ 119,083 $ 135,524 Six Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Number of Loans Pre-modification Outstanding Recorded Investment Post-modification Outstanding Recorded Investment Commercial real estate- construction 1 $ 275 $ 275 1 $ 28 $ 26 Commercial real estate- owner-occupied 2 1,730 1,698 5 1,069 1,050 Commercial real estate- non-owner-occupied 11 4,409 4,465 10 11,516 10,749 Commercial and industrial 33 9,254 8,747 28 24,018 23,632 Energy-related — — — 25 110,443 119,890 Residential mortgage 10 780 730 25 4,733 4,692 Consumer - home equity 66 10,851 10,771 57 3,928 3,916 Consumer - indirect 33 360 222 — — — Consumer - other 50 1,547 1,490 85 1,386 1,328 Total 206 $ 29,206 $ 28,398 236 $ 157,121 $ 165,283 Information detailing TDRs that defaulted during the three-month and six-month periods ended June 30, 2017 and 2016, and were modified in the previous twelve months (i.e., the twelve months prior to the default) is presented in the following tables. The Company has defined a default as any loan with a loan payment that is currently past due greater than 30 days , or was past due greater than 30 days at any point during the respective periods, or since the date of modification, whichever is shorter. Three Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial real estate- construction — $ — — $ — Commercial real estate- owner-occupied 5 2,297 — — Commercial real estate- non-owner-occupied 9 5,640 4 1,358 Commercial and industrial 17 8,081 5 758 Energy-related — — 1 2,250 Residential mortgage 5 454 4 480 Consumer - home equity 19 1,532 17 1,112 Consumer - indirect automobile 9 75 — — Consumer - other 17 592 34 482 Total 81 $ 18,671 65 $ 6,440 Six Months Ended June 30 2017 2016 (In thousands, except number of loans) Number of Loans Recorded Investment Number of Loans Recorded Investment Commercial real estate- construction 2 $ 132 — $ — Commercial real estate- owner-occupied 7 2,404 — — Commercial real estate- non-owner-occupied 14 6,406 8 1,377 Commercial and industrial 25 8,239 8 3,273 Energy-related — — 1 2,250 Residential mortgage 21 1,854 7 536 Consumer - home equity 37 2,488 24 1,608 Consumer - indirect automobile 33 328 — — Consumer - other 29 893 67 598 Total 168 $ 22,744 115 $ 9,642 |