0001571049-17-004559 | 10-Q | XBRL Viewer | United Community Banks INC

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Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2017	Apr. 30, 2017
Document and Entity Information [Abstract]
Entity Registrant Name	UNITED COMMUNITY BANKS INC
Entity Central Index Key	0000857855
Trading Symbol	ucbi
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		70,974,809
Document Type	10-Q
Document Period End Date	Mar. 31, 2017
Amendment Flag	false
Document Fiscal Year Focus	2017
Document Fiscal Period Focus	Q1

Consolidated Statement of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest revenue:
Loans, including fees	$ 72,727	$ 63,976
Investment securities, including tax exempt of $279 and $166	17,712	15,788
Deposits in banks and short-term investments	519	957
Total interest revenue	90,958	80,721
Deposits:
NOW	597	485
Money market	1,426	1,108
Savings	27	29
Time	1,008	642
Total deposit interest expense	3,058	2,264
Short-term borrowings	40	87
Federal Home Loan Bank advances	1,430	733
Long-term debt	2,876	2,685
Total interest expense	7,404	5,769
Net interest revenue	83,554	74,952
Provision for (release of) credit losses	800	(200)
Net interest revenue after provision for credit losses	82,754	75,152
Fee revenue:
Service charges and fees	10,604	10,126
Mortgage loan and other related fees	4,424	3,289
Brokerage fees	1,410	1,053
Gains from sales of government guaranteed loans	1,959	1,237
Securities (losses) gains, net	(2)	379
Other	3,679	2,522
Total fee revenue	22,074	18,606
Total revenue	104,828	93,758
Operating expenses:
Salaries and employee benefits	36,691	33,062
Communications and equipment	4,918	4,290
Occupancy	4,949	4,723
Advertising and public relations	1,061	864
Postage, printing and supplies	1,370	1,280
Professional fees	3,044	2,700
FDIC assessments and other regulatory charges	1,283	1,524
Amortization of intangibles	973	1,010
Merger-related and other charges	2,054	2,653
Other	6,483	5,779
Total operating expenses	62,826	57,885
Net income before income taxes	42,002	35,873
Income tax expense	18,478	13,578
Net income	23,524	22,295
Preferred stock dividends		21
Net income available to common shareholders	$ 23,524	$ 22,274
Earnings per common share:
Basic (in dollars per share)	$ 0.33	$ 0.31
Diluted (in dollars per share)	$ 0.33	$ 0.31
Weighted average common shares outstanding:
Basic (in shares)	71,700	72,162
Diluted (in shares)	71,708	72,166

Consolidated Statement of Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Income Statement [Abstract]
Investment securities tax exemption	$ 279	$ 166

Consolidated Statement of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Consolidated Statement Of Comprehensive Income (Loss) [Abstract]
Net income, Before-tax Amount	$ 42,002	$ 35,873
Net income, Tax (Expense) Benefit	(18,478)	(13,578)
Net income, Net of Tax Amount	23,524	22,295
Unrealized gains on available-for-sale securities:
Unrealized holding gains arising during period, Before-tax Amount	6,508	11,697
Unrealized holding gains arising during period, Tax (Expense) Benefit	(2,464)	(4,455)
Unrealized holding gains arising during period, Net of Tax Amount	4,044	7,242
Reclassification adjustment for gains included in net income, Before-tax Amount	2	(379)
Reclassification adjustment for gains included in net income, Tax (Expense) Benefit	(1)	141
Reclassification adjustment for gains included in net income, Net of Tax Amount	1	(238)
Net unrealized gains, Before-tax Amount	6,510	11,318
Net unrealized gains, Tax (Expense) Benefit	(2,465)	(4,314)
Net unrealized gains, Net of Tax Amount	4,045	7,004
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Before-tax Amount	310	464
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Tax (Expense) Benefit	(116)	(181)
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Net of Tax Amount	194	283
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Before-tax Amount	413	500
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Tax (Expense) Benefit	(161)	(195)
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Net of Tax Amount	252	305
Reclassification of disproportionate tax effect related to terminated cash flow hedges Before-tax Amount
Reclassification of disproportionate tax effect related to terminated cash flow hedges Tax (Expense) Benefit	3,400
Reclassification of disproportionate tax effect related to terminated cash flow hedges Net of Tax Amount	3,400
Net cash flow hedge activity, Before-tax Amount	413	500
Net cash flow hedge activity, Tax (Expense) Benefit	3,239	(195)
Net cash flow hedge activity, Net of Tax Amount	3,652	305
Net actuarial loss on defined benefit pension plan, Before-tax Amount	(800)
Net actuarial loss on defined benefit pension plan Tax (Expense) Benefit	312
Net actuarial loss on defined benefit pension plan Net of Tax Amount	(488)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Before-tax Amount	200	167
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Tax (Expense) Benefit	(79)	(65)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Net of Tax Amount	121	102
Net defined benefit pension plan activity Before-tax Amount	(600)	167
Net defined benefit pension plan activity Tax (Expense) Benefit	233	(65)
Net defined benefit pension plan activity Net of Tax Amount	(367)	102
Total other comprehensive income, Before-tax Amount	6,633	12,449
Total other comprehensive income, Tax (Expense) Benefit	891	(4,755)
Total other comprehensive income, net of tax amount	7,524	7,694
Comprehensive income, Before-tax Amount	48,635	48,322
Comprehensive income, Tax (Expense) Benefit	(17,587)	(18,333)
Comprehensive income, Net of Tax Amount	$ 31,048	$ 29,989

Consolidated Balance Sheet (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 90,151	$ 99,489
Interest-bearing deposits in banks	140,822	117,859
Cash and cash equivalents	230,973	217,348
Securities available for sale	2,436,591	2,432,438
Securities held to maturity (fair value $333,032 and $333,170)	329,992	329,843
Mortgage loans held for sale (includes $15,845 and $27,891 at fair value)	16,491	29,878
Loans, net of unearned income	6,964,990	6,920,636
Less allowance for loan losses	(60,543)	(61,422)
Loans, net	6,904,447	6,859,214
Premises and equipment, net	189,437	189,938
Bank owned life insurance	154,150	143,543
Accrued interest receivable	27,020	28,018
Net deferred tax asset	139,383	154,336
Derivative financial instruments	22,131	23,688
Goodwill and other intangible assets	155,250	156,222
Other assets	125,938	144,189
Total assets	10,731,803	10,708,655
Deposits:
Demand	2,752,361	2,637,004
NOW	1,968,493	1,989,763
Money market	1,831,145	1,846,440
Savings	574,805	549,713
Time	1,261,232	1,287,142
Brokered	364,056	327,496
Total deposits	8,752,092	8,637,558
Short-term borrowings		5,000
Federal Home Loan Bank advances	569,138	709,209
Long-term debt	175,238	175,078
Derivative financial instruments	26,425	27,648
Accrued expenses and other liabilities	107,367	78,427
Total liabilities	9,630,260	9,632,920
Shareholders' equity:
Preferred stock, $1 par value; 10,000,000 shares authorized; 0 shares issued and outstanding
Common stock	70,973	70,899
Common stock issuable; 546,511 and 519,874 shares	7,959	7,327
Capital surplus	1,275,954	1,275,849
Accumulated deficit	(234,384)	(251,857)
Accumulated other comprehensive loss	(18,959)	(26,483)
Total shareholders' equity	1,101,543	1,075,735
Total liabilities and shareholders' equity	10,731,803	10,708,655
Non-Voting Common Stock
Shareholders' equity:
Common stock
Total shareholders' equity

Consolidated Balance Sheet (Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Held to maturity, fair value (in dollars)	$ 333,032	$ 333,170
Mortgage loans held for sale, at fair value	$ 15,845	$ 27,891
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares Outstanding	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized	150,000,000	150,000,000
Common stock, shares issued	70,972,753	70,899,114
Common stock, shares outstanding	70,972,753	70,899,114
Common stock issuable, shares	546,511	519,874
Non-Voting Common Stock
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized	26,000,000	26,000,000
Common stock, shares issued	0	0
Common stock, shares outstanding	0	0

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Preferred Stock Series H	Non-Voting Common Stock	Common Stock	Common Stock Issuable	Capital Surplus	Accumulated Deficit	Accumulated Other Comprehensive Income (Loss)	Total
Balance at Dec. 31, 2015	$ 9,992	$ 5,286	$ 66,198	$ 6,779	$ 1,286,361	$ (330,879)	$ (25,452)	$ 1,018,285
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income						22,295		22,295
Other comprehensive income							7,694	7,694
Redemption of Series H preferred stock (9,992 shares)	(9,992)							(9,992)
Common stock issued to dividend reinvestment plan and to employee benefit plans (4,239 and 5,154 shares for March 31, 2017 and March 31, 2016 respectively)			5		79			84
Amortization of stock option and restricted stock awards					918			918
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (37,121 shares issued, 58,553 shares deferred and 26,385 shares issued, 62,422 shares deferred for period ended March 31, 2017 and March 31, 2016 repectively)			27	912	(1,422)			(483)
Deferred compensation plan, net, including dividend equivalents				116				116
Shares issued from deferred compensation plan (32,279 and 28,761 shares for March 31, 2017 and March 31, 2016 respectively)			29	(1,107)	1,078
Common stock dividends ($.09 and $.07 per share for March 31, 2017 and March 31, 2016)						(5,041)		(5,041)
Tax on restricted stock vesting					(130)			(130)
Preferred stock dividends:
Series H						(21)		(21)
Balance at Mar. 31, 2016		5,286	66,259	6,700	1,286,884	(313,646)	(17,758)	1,033,725
Balance at Dec. 31, 2016			70,899	7,327	1,275,849	(251,857)	(26,483)	1,075,735
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income						23,524		23,524
Other comprehensive income							7,524	7,524
Common stock issued to dividend reinvestment plan and to employee benefit plans (4,239 and 5,154 shares for March 31, 2017 and March 31, 2016 respectively)			4		106			110
Amortization of stock option and restricted stock awards					1,321			1,321
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (37,121 shares issued, 58,553 shares deferred and 26,385 shares issued, 62,422 shares deferred for period ended March 31, 2017 and March 31, 2016 repectively)			38	883	(1,551)			(630)
Deferred compensation plan, net, including dividend equivalents				117				117
Shares issued from deferred compensation plan (32,279 and 28,761 shares for March 31, 2017 and March 31, 2016 respectively)			32	(368)	229			(107)
Common stock dividends ($.09 and $.07 per share for March 31, 2017 and March 31, 2016)						(6,488)		(6,488)
Balance at Mar. 31, 2017			70,973	7,959	1,275,954	(234,384)	(18,959)	1,101,543
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting principle (see Note 1)						$ 437		$ 437

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Consolidated Statement Of Changes In Shareholders' Equity [Abstract]
Number of shares redeemed of Series H preferred stock		9,992
Common stock issued to dividend reinvestment plan and employee benefit plans	4,239	5,154
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares issued	37,121	26,385
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares deferred	58,553	62,422
Shares issued from deferred compensation plan	32,279	28,761
Common stock dividends (in dollars per share)	$ 0.09	$ 0.07

Consolidated Statement of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Operating activities:
Net income	$ 23,524	$ 22,295
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	6,394	7,087
(Release of) provision for credit losses	800	(200)
Stock based compensation	1,321	918
Deferred income tax expense	19,059	13,553
Securities losses (gains), net	2	(379)
Gains from sales of government guaranteed loans	(1,959)	(1,237)
Net losses (gains) and write downs on sales of other real estate owned	373	(214)
Changes in assets and liabilities:
Other assets and accrued interest receivable	4,784	(34,039)
Accrued expenses and other liabilities	(5,115)	(2,566)
Mortgage loans held for sale	13,387	(2,347)
Net cash provided by operating activities	62,570	2,871
Investment securities held to maturity:
Proceeds from maturities and calls of securities held to maturity	13,351	14,207
Purchases of securities held to maturity	(13,433)	(1,000)
Investment securities available for sale:
Proceeds from sales of securities available for sale	24,197	61,305
Proceeds from maturities and calls of securities available for sale	137,312	82,029
Purchases of securities available for sale	(147,614)	(246,666)
Net increase in loans	(15,873)	(101,828)
Purchase of bank owned life insurance	(10,000)
Proceeds from sales of premises and equipment	5	29
Purchases of premises and equipment	(3,404)	(5,104)
Proceeds from sale of other real estate	3,077	1,524
Net cash used in investing activities	(12,382)	(195,504)
Financing activities:
Net change in deposits	114,828	87,204
Net change in short-term borrowings	(5,000)	(16,640)
Proceeds from FHLB advances	1,510,000	1,715,000
Repayments of FHLB advances	(1,650,000)	(1,635,000)
Retirement of preferred stock		(9,992)
Proceeds from issuance of common stock for dividend reinvestment and employee benefit plans	110	84
Cash paid for shares withheld to cover payroll taxes upon vesting of restricted stock	(737)	(483)
Cash dividends on common stock	(5,764)	(5,041)
Cash dividends on preferred stock		(46)
Net cash (used in) provided by financing activities	(36,563)	135,086
Net change in cash and cash equivalents	13,625	(57,547)
Cash and cash equivalents at beginning of period	217,348	240,363
Cash and cash equivalents at end of period	230,973	182,816
Supplemental disclosures of cash flow information:
Interest paid	8,089	7,407
Income taxes paid	680	2,013
Significant non-cash investing and financing transactions:
Unsettled security purchases	14,000
Unsettled government guaranteed loan purchases	14,674	18,068
Unsettled government guaranteed loan sales	16,115	6,774
Transfers of loans to foreclosed properties	$ 561	$ 1,590

Accounting Policies	3 Months Ended
Accounting Policies	Mar. 31, 2017
Accounting Policies [Abstract]
Accounting Policies	Note 1 – Accounting Policies The accounting and financial reporting policies of United Community Banks, Inc. (“United”) and its subsidiaries conform to accounting principles generally accepted in the United States (“GAAP”) and reporting guidelines of banking regulatory authorities and regulators. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its Annual Report on Form 10-K for the year ended December 31, 2016. Effective January 1, 2017, management elected to subsequently measure residential servicing rights at fair value. The cumulative effect adjustment of this election to retained earnings, net of income tax effect, was $437,000. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate statement. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. Certain 2016 amounts have been reclassified to conform to the 2017 presentation. As discussed in the Form 10-K for the year ended December 31, 2016, certain loan balances previously shown as retail loans were reclassified to several commercial categories to better align the reporting with the business purpose or underlying credit risk of the loans, rather than the collateral type. The reclassifications moved residential mortgages and home equity lines from the residential mortgage and home equity lines of credit categories to the owner-occupied and income-producing commercial real estate categories. Although these loans were secured by one-to-four family residential properties, their purpose was commercial since they included residential home rental property and business purpose loans secured by the borrower’s primary residence. In addition, residential construction loans were reclassified to the commercial construction category. These reclassified loans are to builders and developers of residential properties. Reclassifying these balances better aligned the loan categories with the management of credit risk. As of and for the three months ended March 31, 2016, historic charge-offs and recoveries on these same loans have been reclassified, as well as the corresponding allowance for loan loss balances, average impaired loan balances, and new troubled debt restructurings.

Accounting Standards Updates and Recently Adopted Standards	3 Months Ended
	Mar. 31, 2017
Accounting Standards Updates [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Note 2 –Accounting Standards Updates and Recently Adopted Standards Accounting Standards Updates In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-09, Revenue from Contracts with Customers. This ASU provides guidance on the recognition of revenue from contracts with customers. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This guidance is effective for public entities for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period, and will be applied retrospectively either to each prior reporting period or with a cumulative effect recognized at the date of initial application. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities, United does not expect the new revenue recognition guidance to have a material impact on the consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). This update requires a lessee to recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. For leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election not to recognize lease assets and lease liabilities. For public entities, this update is effective for fiscal years beginning after December 15, 2018, with modified retrospective application to prior periods presented. Upon adoption, United expects to report higher assets and liabilities as a result of including leases on the consolidated balance sheet. At December 31, 2016, future minimum lease payments amounted to $29.1 million. United does not expect the new guidance to have a material impact on the consolidated statement of income or the consolidated statement of shareholders’ equity. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The new guidance replaces the incurred loss impairment methodology in current GAAP with an expected credit loss methodology and requires consideration of a broader range of information to determine credit loss estimates. Financial assets measured at amortized cost will be presented at the net amount expected to be collected by using an allowance for credit losses. Purchased credit impaired loans will receive an allowance account at the acquisition date that represents a component of the purchase price allocation. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses, with such allowance limited to the amount by which fair value is below amortized cost. Application of this update will primarily be on a modified retrospective approach, although the guidance for debt securities for which an other-than-temporary impairment has been recognized before the effective date and for loans previously covered by ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality will be applied on a prospective basis. For public entities, this update is effective for fiscal years beginning after December 15, 2019. Upon adoption, United expects that the allowance for credit losses will be higher given the change to estimated losses for the estimated life of the financial asset, however the Company is still in the process of determining the magnitude of the increase. Management has begun developing a project plan to ensure it is prepared for implementation by the effective date. In March 2017, the FASB issued ASU No. 2017-07, Compensation – Retirement Benefits (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. This ASU requires that an employer disaggregate the service cost component from the other components of net benefit cost. The amendments also provide explicit guidance on how to present the service cost component and the other components of net benefit cost and allow only the service cost component to be eligible for capitalization. For public entities, this update is effective for fiscal years beginning after December 15, 2017, with retrospective presentation of the service cost and other components and prospective application for any capitalization of service cost. The adoption of this update is not expected to have a material impact on the consolidated financial statements. In March 2017, the FASB issued ASU No. 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. This update shortens the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. For securities held at a discount, the discount will continue to be amortized to maturity. For public entities, this update is effective for fiscal years beginning after December 15, 2018, with modified retrospective application. The adoption of this update is not expected to have a material impact on the consolidated financial statements. Recently Adopted Standards In March 2016, the FASB issued ASU No. 2016-09, Compensation – Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting. This update simplified several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. United adopted this standard effective January 1, 2017, with no material impact on the consolidated financial statements, although management expects more volatility in the effective tax rate as excess tax benefits and deficiencies on stock compensation transactions flow through income tax expense rather than capital surplus. United prospectively adopted the amendment requiring that excess tax benefits and deficiencies be recognized as income tax expense or benefit in the income statement and as an operating activity in the statement of cash flows. In addition, United elected to account for forfeitures as they occur, rather than estimate the number of awards expected to vest. United retrospectively implemented the clarification that cash paid by an employer when directly withholding shares for tax-withholding purposes should be classified as a financing activity.

- Definition

The entire disclosure for reporting accounting changes and error corrections. It includes the conveyance of information necessary for a user of the Company's financial information to understand all aspects and required disclosure information concerning all changes and error corrections reported in the Company's financial statements for the period.

+ References + Details

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings

3 Months Ended

Mar. 31, 2017

Offsetting [Abstract]

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings

Note 3 – Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings

United enters into reverse repurchase agreements in order to invest short-term funds. In addition, United enters into repurchase agreements and reverse repurchase agreements with the same counterparty in transactions commonly referred to as collateral swaps that are subject to master netting agreements under which the balances are netted in the balance sheet in accordance with ASC 210-20, Offsetting.

The following table presents a summary of amounts outstanding under reverse repurchase agreements and derivative financial instruments including those entered into in connection with the same counterparty under master netting agreements as of the dates indicated (in thousands).

	Gross Amounts of			Gross Amounts Offset on					Gross Amounts not Offset in the Balance Sheet
March 31, 2017	Recognized Assets			the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount

Repurchase agreements / reverse repurchase agreements	$	200,000		$	(200,000	)	$	-	$	-		$	-		$	-
Derivatives		22,131			-			22,131		(2,777	)		(2,369	)		16,985
Total	$	222,131		$	(200,000	)	$	22,131	$	(2,777	)	$	(2,369	)	$	16,985

Weighted average interest rate of reverse repurchase agreements		1.79	%

	Gross Amounts of			Gross Amounts Offset on			Net		Gross Amounts not Offset in the Balance Sheet
	Recognized Liabilities			the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount

Repurchase agreements / reverse repurchase agreements	$	200,000		$	(200,000	)	$	-	$	-		$	-		$	-
Derivatives		26,425			-			26,425		(2,777	)		(18,853	)		4,795
Total	$	226,425		$	(200,000	)	$	26,425	$	(2,777	)	$	(18,853	)	$	4,795

Weighted average interest rate of repurchase agreements		.95	%

	Gross Amounts of			Gross Amounts Offset on					Gross Amounts not Offset in the Balance Sheet
December 31, 2016	Recognized Assets			the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount

Repurchase agreements / reverse repurchase agreements	$	150,000		$	(150,000	)	$	-	$	-		$	-		$	-
Derivatives		23,688			-			23,688		(3,485	)		(3,366	)		16,837
Total	$	173,688		$	(150,000	)	$	23,688	$	(3,485	)	$	(3,366	)	$	16,837

Weighted average interest rate of reverse repurchase agreements		1.78	%

	Gross Amounts of			Gross Amounts Offset on			Net		Gross Amounts not Offset in the Balance Sheet
	Recognized Liabilities			the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount

Repurchase agreements / reverse repurchase agreements	$	150,000		$	(150,000	)	$	-	$	-		$	-		$	-
Derivatives		27,648			-			27,648		(3,485	)		(18,505	)		5,658
Total	$	177,648		$	(150,000	)	$	27,648	$	(3,485	)	$	(18,505	)	$	5,658

Weighted average interest rate of repurchase agreements		.88	%

At March 31, 2017, United recognized the right to reclaim cash collateral of $18.9 million and the obligation to return cash collateral of $2.37 million. At December 31, 2016, United recognized the right to reclaim cash collateral of $18.5 million and the obligation to return cash collateral of $3.37 million. The right to reclaim cash collateral and the obligation to return cash collateral were included in the consolidated balance sheet in other assets and other liabilities, respectively.

The following table presents additional detail regarding repurchase agreements accounted for as secured borrowings and the securities underlying these agreements as of the dates indicated (in thousands).

	Remaining Contractual Maturity of the Agreements
	Overnight and
As of March 31, 2017	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total

Mortgage-backed securities	$	-	$	-	$	100,000	$	100,000	$	200,000

Total	$	-	$	-	$	100,000	$	100,000	$	200,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	200,000
Amounts related to agreements not included in offsetting disclosure									$	-

	Remaining Contractual Maturity of the Agreements
	Overnight and
As of December 31, 2016	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total

Mortgage-backed securities	$	-	$	-	$	50,000	$	100,000	$	150,000

Total	$	-	$	-	$	50,000	$	100,000	$	150,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	150,000
Amounts related to agreements not included in offsetting disclosure									$	-

United is obligated to promptly transfer additional securities if the market value of the securities falls below the repurchase agreement price. United manages this risk by maintaining an unpledged securities portfolio that it believes is sufficient to cover a decline in the market value of the securities sold under agreements to repurchase.

Securities

3 Months Ended

Mar. 31, 2017

Investment Securities [Abstract]

Securities

Note 4 – Securities

The amortized cost basis, unrealized gains and losses and fair value of securities held-to-maturity as of the dates indicated are as follows (in thousands).

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
As of March 31, 2017	Cost		Gains		Losses		Value

State and political subdivisions	$	56,625	$	2,230	$	221	$	58,634
Mortgage-backed securities ⁽¹⁾		273,367		3,775		2,744		274,398

Total	$	329,992	$	6,005	$	2,965	$	333,032

As of December 31, 2016

State and political subdivisions	$	57,134	$	2,197	$	249	$	59,082
Mortgage-backed securities ⁽¹⁾		272,709		4,035		2,656		274,088

Total	$	329,843	$	6,232	$	2,905	$	333,170

⁽¹⁾ All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

The cost basis, unrealized gains and losses, and fair value of securities available-for-sale as of the dates indicated are presented below (in thousands).

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
As of March 31, 2017	Cost		Gains		Losses		Value

U.S. Treasuries	$	170,328	$	75	$	476	$	169,927
U.S. Government agencies		25,580		279		30		25,829
State and political subdivisions		83,761		174		211		83,724
Mortgage-backed securities ⁽¹⁾		1,383,498		9,291		12,429		1,380,360
Corporate bonds		306,405		1,296		1,170		306,531
Asset-backed securities		467,153		2,783		898		469,038
Other		1,182		-		-		1,182

Total	$	2,437,907	$	13,898	$	15,214	$	2,436,591

As of December 31, 2016

U.S. Treasuries	$	170,360	$	20	$	764	$	169,616
U.S. Government agencies		21,053		6		239		20,820
State and political subdivisions		74,555		176		554		74,177
Mortgage-backed securities ⁽¹⁾		1,397,435		8,924		14,677		1,391,682
Corporate bonds		306,824		591		2,023		305,392
Asset-backed securities		468,742		2,798		1,971		469,569
Other		1,182		-		-		1,182

Total	$	2,440,151	$	12,515	$	20,228	$	2,432,438

⁽¹⁾ All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Securities with a carrying value of $1.40 billion and $1.45 billion were pledged to secure public deposits, derivatives and other secured borrowings at March 31, 2017 and December 31, 2016, respectively.

The following table summarizes held-to-maturity securities in an unrealized loss position as of the dates indicated (in thousands).

	Less than 12 Months				12 Months or More				Total
As of March 31, 2017	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss

State and political subdivisions	$	16,426	$	221	$	-	$	-	$	16,426	$	221
Mortgage-backed securities		146,280		2,744		-		-		146,280		2,744
Total unrealized loss position	$	162,706	$	2,965	$	-	$	-	$	162,706	$	2,965

As of December 31, 2016

State and political subdivisions	$	18,359	$	249	$	-	$	-	$	18,359	$	249
Mortgage-backed securities		118,164		2,656		-		-		118,164		2,656
Total unrealized loss position	$	136,523	$	2,905	$	-	$	-	$	136,523	$	2,905

The following table summarizes available-for-sale securities in an unrealized loss position as of the dates indicated (in thousands).

	Less than 12 Months				12 Months or More				Total
As of March 31, 2017	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss

U.S. Treasuries	$	145,454	$	476	$	-	$	-	$	145,454	$	476
U.S. Government agencies		1,796		30		-		-		1,796		30
State and political subdivisions		49,383		210		1,136		1		50,519		211
Mortgage-backed securities		742,558		11,704		47,837		725		790,395		12,429
Corporate bonds		50,485		793		15,623		377		66,108		1,170
Asset-backed securities		107,914		468		51,065		430		158,979		898
Total unrealized loss position	$	1,097,590	$	13,681	$	115,661	$	1,533	$	1,213,251	$	15,214

As of December 31, 2016

U.S. Treasuries	$	145,229	$	764	$	-	$	-	$	145,229	$	764
U.S. Government agencies		19,685		239		-		-		19,685		239
State and political subdivisions		61,782		554		-		-		61,782		554
Mortgage-backed securities		810,686		13,952		26,279		725		836,965		14,677
Corporate bonds		228,504		1,597		15,574		426		244,078		2,023
Asset-backed securities		54,477		540		115,338		1,431		169,815		1,971
Total unrealized loss position	$	1,320,363	$	17,646	$	157,191	$	2,582	$	1,477,554	$	20,228

At March 31, 2017, there were 150 available-for-sale securities and 43 held-to-maturity securities that were in an unrealized loss position. United does not intend to sell nor believes it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at March 31, 2017 were primarily attributable to changes in interest rates and spread relationships.

Management evaluates securities for other-than-temporary impairment on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to the length of time and the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, among other factors. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and industry analysts’ reports. No impairment charges were recognized during the three months ended March 31, 2017 or 2016.

Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes available-for-sale securities sales activity for the three months ended March 31, 2017 and 2016 (in thousands).

	Three Months Ended March 31,
	2017			2016

Proceeds from sales	$	24,197		$	61,305

Gross gains on sales	$	98		$	673
Gross losses on sales		(100	)		(294	)

Net (losses) gains on sales of securities	$	(2	)	$	379


Income tax (benefit) expense attributable to sales	$	(1	)	$	141

The amortized cost and fair value of held-to-maturity and available-for-sale securities at March 31, 2017, by contractual maturity, are presented in the following table (in thousands).

	Available-for-Sale				Held-to-Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value

US Treasuries:
1 to 5 years	$	140,425	$	140,267	$	-	$	-
5 to 10 years		29,903		29,660		-		-
		170,328		169,927		-		-

US Government agencies:
1 to 5 years		2,114		2,121		-		-
5 to 10 years		17,868		17,972		-		-
More than 10 years		5,598		5,736		-		-
		25,580		25,829		-		-

State and political subdivisions:
Within 1 year		535		537		5,239		5,280
1 to 5 years		30,558		30,591		15,754		16,423
5 to 10 years		23,538		23,457		18,535		20,054
More than 10 years		29,130		29,139		17,097		16,877
		83,761		83,724		56,625		58,634

Corporate bonds:
1 to 5 years		258,929		259,852		-		-
5 to 10 years		46,476		46,004		-		-
More than 10 years		1,000		675		-		-
		306,405		306,531		-		-

Asset-backed securities:
1 to 5 years		19,392		19,740		-		-
5 to 10 years		336,844		338,349		-		-
More than 10 years		110,917		110,949		-		-
		467,153		469,038		-		-

Other:
More than 10 years		1,182		1,182		-		-
		1,182		1,182		-		-

Total securities other than mortgage-backed securities:
Within 1 year		535		537		5,239		5,280
1 to 5 years		451,418		452,571		15,754		16,423
5 to 10 years		454,629		455,442		18,535		20,054
More than 10 years		147,827		147,681		17,097		16,877

Mortgage-backed securities		1,383,498		1,380,360		273,367		274,398

	$	2,437,907	$	2,436,591	$	329,992	$	333,032

Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations.

Loans and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2017

Loans and Allowance for Credit Losses [Abstract]

Loans and Allowance for Credit Losses

Note 5 – Loans and Allowance for Credit Losses

Major classifications of loans are summarized as of the dates indicated as follows (in thousands).

	March 31,			December 31,
	2017			2016

Owner occupied commercial real estate	$	1,633,450		$	1,650,360
Income producing commercial real estate		1,296,700			1,281,541
Commercial & industrial		1,079,837			1,069,715
Commercial construction		666,861			633,921
Total commercial		4,676,848			4,635,537
Residential mortgage		859,796			856,725
Home equity lines of credit		659,041			655,410
Residential construction		196,643			190,043
Consumer installment		112,461			123,567
Indirect auto		460,201			459,354

Total loans		6,964,990			6,920,636

Less allowance for loan losses		(60,543	)		(61,422	)

Loans, net	$	6,904,447		$	6,859,214

At March 31, 2017 and December 31, 2016, loans totaling $3.62 billion and $3.33 billion, respectively, were pledged as collateral to secure Federal Home Loan Bank advances and other contingent funding sources.

At March 31, 2017, the carrying value and outstanding balance of purchased credit impaired (“PCI”) loans accounted for under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, were $57.8 million and $80.8 million, respectively. At December 31, 2016, the carrying value and outstanding balance of PCI loans were $62.8 million and $87.9 million, respectively. The following table presents changes in the value of the accretable yield for PCI loans for the periods indicated (in thousands):

	Three Months Ended March 31,
	2017			2016
Balance at beginning of period	$	7,981		$	4,279
Accretion		(1,690	)		(1,315	)
Reclassification from nonaccretable difference		889			646
Changes in expected cash flows that do not affect nonaccretable difference		582			534
Balance at end of period	$	7,762		$	4,144

In addition to the accretable yield on PCI loans, the fair value adjustments on purchased loans outside the scope of ASC 310-30 are also accreted to interest revenue over the life of the loans. At March 31, 2017 and December 31, 2016, the remaining accretable fair value marks on loans acquired through a business combination and not accounted for under ASC 310-30 were $6.34 million and $7.14 million, respectively. In addition, indirect auto loans purchased at a premium outside of a business combination have a remaining premium of $11.2 million and $11.4 million, respectively, as of March 31, 2017 and December 31, 2016. During the three months ended March 31, 2017 and 2016, United purchased indirect auto loans of $39.8 million and $67.3 million, respectively.

The allowance for loan losses represents management’s estimate of probable incurred losses in the loan portfolio as of the end of the period. The allowance for unfunded commitments is included in other liabilities in the consolidated balance sheet. Combined, the allowance for loan losses and allowance for unfunded commitments are referred to as the allowance for credit losses.

The following table presents the balance and activity in the allowance for credit losses by portfolio segment for the periods indicated (in thousands).

Three Months Ended March 31, 2017	Beginning Balance		Charge- Offs			Recoveries		(Release) Provision			Ending Balance

Owner occupied commercial real estate	$	16,446	$	(25	)	$	237	$	(989	)	$	15,669
Income producing commercial real estate		8,843		(897	)		27		905			8,878
Commercial & industrial		3,810		(216	)		368		(237	)		3,725
Commercial construction		13,405		(202	)		572		(985	)		12,790
Residential mortgage		8,545		(542	)		12		1,056			9,071
Home equity lines of credit		4,599		(471	)		49		353			4,530
Residential construction		3,264		-			9		(6	)		3,267
Consumer installment		708		(442	)		207		136			609
Indirect auto		1,802		(420	)		55		567			2,004
Total allowance for loan losses		61,422		(3,215	)		1,536		800			60,543
Allowance for unfunded commitments		2,002		-			-		-			2,002
Total allowance for credit losses	$	63,424	$	(3,215	)	$	1,536	$	800		$	62,545

Three Months Ended March 31, 2016	Beginning Balance		Charge- Offs			Recoveries		(Release) Provision			Ending Balance

Owner occupied commercial real estate	$	18,016	$	(599	)	$	121	$	452		$	17,990
Income producing commercial real estate		11,548		(277	)		103		(2,412	)		8,962
Commercial & industrial		4,433		(572	)		289		(1,001	)		3,149
Commercial construction		9,553		(287	)		120		3,827			13,213
Residential mortgage		12,719		(96	)		11		(2,434	)		10,200
Home equity lines of credit		5,956		(723	)		91		607			5,931
Residential construction		4,002		(59	)		43		778			4,764
Consumer installment		828		(307	)		206		46			773
Indirect auto		1,393		(233	)		31		137			1,328
Total allowance for loan losses		68,448		(3,153	)		1,015		-			66,310
Allowance for unfunded commitments		2,542		-			-		(200	)		2,342
Total allowance for credit losses	$	70,990	$	(3,153	)	$	1,015	$	(200	)	$	68,652

The following table represents the recorded investment in loans by portfolio segment and the balance of the allowance for loan losses assigned to each segment based on the method of evaluating the loans for impairment as of the dates indicated (in thousands).

	Allowance for Loan Losses
	March 31, 2017								December 31, 2016
	Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance		Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance

Owner occupied commercial real estate	$	1,607	$	14,062	$	-	$	15,669	$	1,746	$	14,700	$	-	$	16,446
Income producing commercial real estate		907		7,971		-		8,878		885		7,919		39		8,843
Commercial & industrial		54		3,671		-		3,725		58		3,752		-		3,810
Commercial construction		171		12,613		6		12,790		168		13,218		19		13,405
Residential mortgage		875		8,196		-		9,071		517		7,997		31		8,545
Home equity lines of credit		2		4,528		-		4,530		2		4,597		-		4,599
Residential construction		66		3,200		1		3,267		64		3,198		2		3,264
Consumer installment		11		598		-		609		12		696		-		708
Indirect auto		-		2,004		-		2,004		-		1,802		-		1,802
Total allowance for loan losses		3,693		56,843		7		60,543		3,452		57,879		91		61,422
Allowance for unfunded commitments		-		2,002		-		2,002		-		2,002		-		2,002
Total allowance for credit losses	$	3,693	$	58,845	$	7	$	62,545	$	3,452	$	59,881	$	91	$	63,424

	Loans Outstanding
	March 31, 2017								December 31, 2016
	Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance		Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance

Owner occupied commercial real estate	$	29,699	$	1,586,060	$	17,691	$	1,633,450	$	31,421	$	1,600,355	$	18,584	$	1,650,360
Income producing commercial real estate		28,265		1,245,324		23,111		1,296,700		30,459		1,225,763		25,319		1,281,541
Commercial & industrial		1,959		1,077,118		760		1,079,837		1,915		1,066,764		1,036		1,069,715
Commercial construction		4,907		654,284		7,670		666,861		5,050		620,543		8,328		633,921
Residential mortgage		13,549		840,373		5,874		859,796		13,706		836,624		6,395		856,725
Home equity lines of credit		63		657,015		1,963		659,041		63		653,337		2,010		655,410
Residential construction		1,602		194,498		543		196,643		1,594		187,516		933		190,043
Consumer installment		278		112,035		148		112,461		290		123,118		159		123,567
Indirect auto		1,055		459,146		-		460,201		1,165		458,189		-		459,354
Total loans	$	81,377	$	6,825,853	$	57,760	$	6,964,990	$	85,663	$	6,772,209	$	62,764	$	6,920,636

Management considers all non-PCI relationships that are on nonaccrual with a balance of $500,000 or greater and all troubled debt restructurings (“TDRs”) to be impaired. In addition, management reviews all accruing substandard loans greater than $2 million to determine if the loan is impaired. A loan is considered impaired when, based on current events and circumstances, it is probable that all amounts due according to the original contractual terms of the loan will not be collected. All TDRs are considered impaired regardless of accrual status. Impairment is measured based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral if the loan is collateral dependent. A specific reserve is established for impaired loans for the amount of calculated impairment. Interest payments received on impaired nonaccrual loans are applied as a reduction of the recorded investment in the loan. For impaired loans not on nonaccrual status, interest is accrued according to the terms of the loan agreement. Loans are evaluated for impairment quarterly and specific reserves are established in the allowance for loan losses for any measured impairment.

Each quarter, management prepares an analysis of the allowance for credit losses to determine the appropriate balance that measures and quantifies the amount of probable incurred losses in the loan portfolio and unfunded loan commitments. The allowance is comprised of specific reserves on individually impaired loans, which are determined as described above, and general reserves which are determined based on historical loss experience as adjusted for current trends and economic conditions multiplied by a loss emergence period factor.

Management calculates the loss emergence period for each pool of loans based on the weighted average length of time between the date a loan first exceeds 30 days past due and the date the loan is charged off.

On junior lien home equity loans, management has limited ability to monitor the delinquency status of the first lien unless the first lien is also held by United. As a result, management applies the weighted average historical loss factor for this category and appropriately adjusts it to reflect the increased risk of loss from these credits.

Management carefully reviews the resulting loss factors for each category of the loan portfolio and evaluates whether qualitative adjustments are necessary to take into consideration recent credit trends such as increases or decreases in past due, nonaccrual, criticized and classified loans, and other macro environmental factors such as changes in unemployment rates, lease vacancy rates and trends in property values and absorption rates.

Management believes that its method of determining the balance of the allowance for credit losses provides a reasonable and reliable basis for measuring and reporting losses that are incurred in the loan portfolio as of the reporting date.

When a loan officer determines that a loan is uncollectible, he or she is responsible for recommending that the loan be placed on nonaccrual status, evaluating the loan for impairment, and, if necessary, fully or partially charging off the loan. Full or partial charge-offs may also be recommended by the Collections Department, the Special Assets Department, the Loss Mitigation Department and the Foreclosure/OREO Department. Nonaccrual real estate loans are generally charged down to fair value less costs to sell at the time they are placed on nonaccrual status.

Commercial and consumer asset quality committees meet monthly to review charge-offs that have occurred during the previous month. Participants include the Chief Credit Officer, Senior Risk Officers and Senior Credit Officers.

Generally, closed-end retail loans (installment and residential mortgage loans) past due 90 cumulative days are written down to their collateral value less estimated selling costs. Open-end (revolving) unsecured retail loans which are past due 90 cumulative days from their contractual due date are generally charged-off.

The following table presents loans individually evaluated for impairment by class of loans as of the dates indicated (in thousands).

	March 31, 2017						December 31, 2016
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated

With no related allowance recorded:
Owner occupied commercial real estate	$	7,335	$	6,839	$	-	$	9,171	$	8,477	$	-
Income producing commercial real estate		15,168		15,168		-		16,864		16,864		-
Commercial & industrial		740		653		-		421		334		-
Commercial construction		845		740		-		845		841		-
Total commercial		24,088		23,400		-		27,301		26,516		-
Residential mortgage		630		622		-		630		628		-
Home equity lines of credit		-		-		-		-		-		-
Residential construction		-		-		-		-		-		-
Consumer installment		-		-		-		-		-		-
Indirect auto		1,055		1,055		-		1,165		1,165		-
Total with no related allowance recorded		25,773		25,077		-		29,096		28,309		-

With an allowance recorded:
Owner occupied commercial real estate		23,493		22,860		1,607		23,574		22,944		1,746
Income producing commercial real estate		13,187		13,097		907		13,681		13,595		885
Commercial & industrial		1,406		1,306		54		1,679		1,581		58
Commercial construction		4,596		4,167		171		4,739		4,209		168
Total commercial		42,682		41,430		2,739		43,673		42,329		2,857
Residential mortgage		13,428		12,927		875		13,565		13,078		517
Home equity lines of credit		63		63		2		63		63		2
Residential construction		1,957		1,602		66		1,947		1,594		64
Consumer installment		280		278		11		293		290		12
Indirect auto		-		-		-		-		-		-
Total with an allowance recorded		58,410		56,300		3,693		59,541		57,354		3,452
Total	$	84,183	$	81,377	$	3,693	$	88,637	$	85,663	$	3,452

As of March 31, 2017 and December 31, 2016, $3.16 million and $2.90 million, respectively, of specific reserves were allocated to customers whose loan terms have been modified in TDRs. United committed to lend additional amounts totaling up to $77,000 and $95,000 as of March 31, 2017 and December 31, 2016, respectively, to customers with outstanding loans that are classified as TDRs.

The modification of the TDR terms included one or a combination of the following: a reduction of the stated interest rate of the loan or an extension of the amortization period that would not otherwise be considered in the current market for new debt with similar risk characteristics; a restructuring of the borrower’s debt into an “A/B note structure” where the A note would fall within the borrower’s ability to pay and the remainder would be included in the B note; a mandated bankruptcy restructuring; or interest-only payment terms greater than 90 days where the borrower is unable to amortize the loan. Modified PCI loans are not accounted for as TDRs because they are not separated from the pools, and as such are not classified as impaired loans.

Loans modified under the terms of a TDR during the three months ended March 31, 2017 and 2016 are presented in the table below. In addition, the following table presents loans modified under the terms of a TDR that defaulted (became 90 days or more delinquent) during the periods presented and were initially restructured within one year prior to default (dollars in thousands).

	New TDRs
			Pre- Modification Outstanding		Post- Modification Outstanding Recorded Investment by Type of Modification								TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted during the Three Months Ended March 31,
Three Months Ended March 31, 2017	Number of Contracts		Recorded Investment		Rate Reduction		Structure		Other		Total		Number of Contracts		Recorded Investment

Owner occupied commercial real estate		-	$	-	$	-	$	-	$	-	$	-		-	$	-
Income producing commercial real estate		-		-		-		-		-		-		-		-
Commercial & industrial		1		25		-		25		-		25		-		-
Commercial construction		-		-		-		-		-		-		-		-
Total commercial		1		25		-		25		-		25		-		-
Residential mortgage		7		353		-		353		-		353		2		655
Home equity lines of credit		-		-		-		-		-		-		-		-
Residential construction		1		40		40		-		-		40		-		-
Consumer installment		1		6		-		6		-		6		-		-
Indirect auto		-		-		-		-		-		-		-		-
Total loans		10	$	424	$	40	$	384	$	-	$	424		2	$	655

Three Months Ended March 31, 2016

Owner occupied commercial real estate		3	$	649	$	-	$	649	$	-	$	649		1	$	247
Income producing commercial real estate		-		-		-		-		-		-		-		-
Commercial & industrial		1		197		-		197		-		197		-		-
Commercial construction		1		66		-		-		66		66		-		-
Total commercial		5		912		-		846		66		912		1		247
Residential mortgage		7		799		414		349		-		763		-		-
Home equity lines of credit		-		-		-		-		-		-		-		-
Residential construction		-		-		-		-		-		-		-		-
Consumer installment		1		20		-		20		-		20		-		-
Indirect auto		-		-		-		-		-		-		-		-
Total loans		13	$	1,731	$	414	$	1,215	$	66	$	1,695		1	$	247

TDRs that subsequently default and are placed on nonaccrual are charged down to the fair value of the collateral consistent with United’s policy for nonaccrual loans.

The average balances of impaired loans and income recognized on impaired loans while they were considered impaired are presented below for the periods indicated (in thousands).

	2017						2016
Three Months Ended March 31,	Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received		Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received

Owner occupied commercial real estate	$	29,858	$	345	$	336	$	33,696	$	448	$	466
Income producing commercial real estate		28,410		351		345		27,402		315		334
Commercial & industrial		1,939		27		28		2,385		30		26
Commercial construction		5,001		53		53		5,492		70		70
Total commercial		65,208		776		762		68,975		863		896
Residential mortgage		13,608		138		143		15,334		157		152
Home equity lines of credit		63		1		1		63		1		1
Residential construction		1,619		23		23		1,418		20		17
Consumer installment		287		5		6		341		6		7
Indirect auto		1,122		14		14		784		11		11
Total	$	81,907	$	957	$	949	$	86,915	$	1,058	$	1,084

Nonaccrual loans include both homogeneous loans that are collectively evaluated for impairment and individually evaluated impaired loans. United’s policy is to place loans on nonaccrual status when, in the opinion of management, the principal and interest on a loan is not likely to be repaid in full or when the loan becomes 90 days past due and is not well secured and in the process of collection. When a loan is classified on nonaccrual status, interest previously accrued but not collected is reversed against current interest revenue. Principal and interest payments received on a nonaccrual loan are applied to reduce the loan’s recorded investment.

PCI loans are considered past due or delinquent when the contractual principal or interest due in accordance with the terms of the loan agreement remains unpaid after the due date of the scheduled payment. However, these loans are considered to be performing, even though they may be contractually past due, as any non-payment of contractual principal or interest is considered in the periodic re-estimation of expected cash flows and is included in the resulting recognition of current period loan loss provision or future period yield adjustments. The accrual of interest is discontinued on PCI loans if management can no longer reliably estimate future cash flows on the loan. No PCI loans were classified as nonaccrual at March 31, 2017 or December 31, 2016 as the carrying value of the respective loan or pool of loans cash flows were considered estimable and probable of collection. Therefore, interest revenue, through accretion of the difference between the carrying value of the loans and the expected cash flows, is being recognized on all PCI loans.

The gross additional interest revenue that would have been earned if the loans classified as nonaccrual had performed in accordance with the original terms was approximately $277,000 and $254,000 for the three months ended March 31, 2017 and 2016, respectively.

The following table presents the recorded investment in nonaccrual loans by loan class as of the dates indicated (in thousands).

	March 31,		December 31,
	2017		2016

Owner occupied commercial real estate	$	6,135	$	7,373
Income producing commercial real estate		1,540		1,324
Commercial & industrial		929		966
Commercial construction		1,069		1,538
Total commercial		9,673		11,201
Residential mortgage		6,455		6,368
Home equity lines of credit		1,848		1,831
Residential construction		417		776
Consumer installment		102		88
Indirect auto		1,317		1,275
Total	$	19,812	$	21,539

Excluding PCI loans, substantially all loans more than 90 days past due were on nonaccrual status at March 31, 2017 and December 31, 2016. The following table presents the aging of the recorded investment in past due loans by class of loans as of the dates indicated (in thousands).

	Loans Past Due								Loans Not
As of March 31, 2017	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Past Due		PCI Loans		Total

Owner occupied commercial real estate		1,947		1,472		3,866		7,285		1,608,474		17,691		1,633,450
Income producing commercial real estate		1,894		165		413		2,472		1,271,117		23,111		1,296,700
Commercial & industrial		1,928		1,045		72		3,045		1,076,032		760		1,079,837
Commercial construction		795		833		153		1,781		657,410		7,670		666,861
Total commercial		6,564		3,515		4,504		14,583		4,613,033		49,232		4,676,848
Residential mortgage		3,955		2,861		1,872		8,688		845,234		5,874		859,796
Home equity lines of credit		1,182		76		429		1,687		655,391		1,963		659,041
Residential construction		541		22		120		683		195,417		543		196,643
Consumer installment		421		149		43		613		111,700		148		112,461
Indirect auto		535		346		929		1,810		458,391		-		460,201
Total loans		13,198		6,969		7,897		28,064		6,879,166		57,760		6,964,990

	Loans Past Due								Loans Not
As of December 31, 2016	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Past Due		PCI Loans		Total

Owner occupied commercial real estate	$	2,195	$	1,664	$	3,386	$	7,245	$	1,624,531	$	18,584	$	1,650,360
Income producing commercial real estate		1,373		355		330		2,058		1,254,164		25,319		1,281,541
Commercial & industrial		943		241		178		1,362		1,067,317		1,036		1,069,715
Commercial construction		452		14		292		758		624,835		8,328		633,921
Total commercial		4,963		2,274		4,186		11,423		4,570,847		53,267		4,635,537
Residential mortgage		7,221		1,799		1,700		10,720		839,610		6,395		856,725
Home equity lines of credit		1,996		101		957		3,054		650,346		2,010		655,410
Residential construction		950		759		51		1,760		187,350		933		190,043
Consumer installment		633		117		35		785		122,623		159		123,567
Indirect auto		1,109		301		909		2,319		457,035		-		459,354
Total loans	$	16,872	$	5,351	$	7,838	$	30,061	$	6,827,811	$	62,764	$	6,920,636

Risk Ratings

United categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current industry and economic trends, among other factors. United analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a continual basis. United uses the following definitions for its risk ratings:

Watch. Loans in this category are presently protected from apparent loss; however, weaknesses exist that could cause future impairment, including the deterioration of financial ratios, past due status and questionable management capabilities. These loans require more than the ordinary amount of supervision. Collateral values generally afford adequate coverage, but may not be immediately marketable.

Substandard. These loans are inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged. Specific and well-defined weaknesses exist that may include poor liquidity and deterioration of financial ratios. The loan may be past due and related deposit accounts experiencing overdrafts. There is the distinct possibility that United will sustain some loss if deficiencies are not corrected. If possible, immediate corrective action is taken.

Doubtful. Specific weaknesses characterized as Substandard that are severe enough to make collection in full highly questionable and improbable. There is no reliable secondary source of full repayment.

Loss. Loans categorized as Loss have the same characteristics as Doubtful; however, probability of loss is certain. Loans classified as Loss are charged off.

Consumer Purpose Loans. United applies a pass / fail grading system to all consumer purpose loans. Under the pass / fail grading system, consumer purpose loans that become past due 90 days or are in bankruptcy are classified as “fail” and all other loans are classified as “pass”. For reporting purposes, consumer purpose loans classified as “fail” are reported in the substandard column and all other consumer purpose loans are reported in the “pass” column.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.

Based on the most recent analysis performed, the risk category of loans by class of loans as of the dates indicated is as follows (in thousands).

As of March 31, 2017	Pass		Watch		Substandard		Doubtful / Loss		Total

Owner occupied commercial real estate	$	1,557,667	$	22,799	$	35,293	$	-	$	1,615,759
Income producing commercial real estate		1,236,410		13,793		23,386		-		1,273,589
Commercial & industrial		1,064,945		3,155		10,977		-		1,079,077
Commercial construction		647,400		5,746		6,045		-		659,191
Total commercial		4,506,422		45,493		75,701		-		4,627,616
Residential mortgage		833,846		-		20,076		-		853,922
Home equity lines of credit		650,500		-		6,578		-		657,078
Residential construction		193,850		-		2,250		-		196,100
Consumer installment		111,610		-		703		-		112,313
Indirect auto		457,596		-		2,605		-		460,201
Total loans, excluding PCI loans	$	6,753,824	$	45,493	$	107,913	$	-	$	6,907,230

Owner occupied commercial real estate	$	1,956	$	3,357	$	12,378	$	-	$	17,691
Income producing commercial real estate		11,874		8,940		2,297		-		23,111
Commercial & industrial		269		167		324		-		760
Commercial construction		3,126		956		3,588		-		7,670
Total commercial		17,225		13,420		18,587		-		49,232
Residential mortgage		4,863		-		1,011		-		5,874
Home equity lines of credit		904		-		1,059		-		1,963
Residential construction		518		-		25		-		543
Consumer installment		92		-		56		-		148
Indirect auto		-		-		-		-		-
Total PCI loans	$	23,602	$	13,420	$	20,738	$	-	$	57,760

As of December 31, 2016

Owner occupied commercial real estate	$	1,577,301	$	18,029	$	36,446	$	-	$	1,631,776
Income producing commercial real estate		1,220,626		8,502		27,094		-		1,256,222
Commercial & industrial		1,055,282		4,188		9,209		-		1,068,679
Commercial construction		612,900		6,166		6,527		-		625,593
Total commercial		4,466,109		36,885		79,276		-		4,582,270
Residential mortgage		829,844		-		20,486		-		850,330
Home equity lines of credit		647,425		-		5,975		-		653,400
Residential construction		185,643		-		3,467		-		189,110
Consumer installment		122,736		-		672		-		123,408
Indirect auto		456,717		-		2,637		-		459,354
Total loans, excluding PCI loans	$	6,708,474	$	36,885	$	112,513	$	-	$	6,857,872

Owner occupied commercial real estate	$	2,044	$	3,444	$	13,096	$	-	$	18,584
Income producing commercial real estate		13,236		8,474		3,609		-		25,319
Commercial & industrial		216		160		660		-		1,036
Commercial construction		3,212		1,265		3,851		-		8,328
Total commercial		18,708		13,343		21,216		-		53,267
Residential mortgage		5,189		-		1,206		-		6,395
Home equity lines of credit		1,094		-		916		-		2,010
Residential construction		898		-		35		-		933
Consumer installment		159		-		-		-		159
Indirect auto		-		-		-		-		-
Total PCI loans	$	26,048	$	13,343	$	23,373	$	-	$	62,764

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References + Details

Reclassifications Out of Accumulated Other Comprehensive Income

3 Months Ended

Mar. 31, 2017

Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]

Reclassifications Out of Accumulated Other Comprehensive Income

Note 6 – Reclassifications Out of Accumulated Other Comprehensive Income

The following table presents the details regarding amounts reclassified out of accumulated other comprehensive income for the periods indicated (in thousands).

	Amounts Reclassified from Accumulated Other Comprehensive Income
Details about Accumulated Other	For the three months ended March 31,						Affected Line Item in the Statement
Comprehensive Income Components	2017			2016			Where Net Income is Presented

Realized (losses) gains on available-for-sale securities:
	$	(2	)	$	379		Securities (losses) gains, net
		1			(141	)	Income tax benefit (expense)
	$	(1	)	$	238		Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held to maturity:
	$	(310	)	$	(464	)	Investment securities interest revenue
		116			181		Income tax benefit
	$	(194	)	$	(283	)	Net of tax

Amortization of losses included in net income on derivative financial instruments accounted for as cash flow hedges:
Amortization of losses on de-designated positions	$	-		$	(7	)	Deposits in banks and short-term investments interest revenue
Amortization of losses on de-designated positions		(149	)		(191	)	Money market deposit interest expense
Amortization of losses on de-designated positions		(264	)		(302	)	Federal Home Loan Bank advances interest expense
		(413	)		(500	)	Total before tax
		161			195		Income tax benefit
	$	(252	)	$	(305	)	Net of tax

Reclassification of disproportionate tax effect related to terminated cash flow hedges:
	$	(3,400	)	$	-		Income tax expense

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan:
Prior service cost	$	(140	)	$	(125	)	Salaries and employee benefits expense
Actuarial losses		(60	)		(42	)	Salaries and employee benefits expense
		(200	)		(167	)	Total before tax
		79			65		Income tax benefit
	$	(121	)	$	(102	)	Net of tax

Total reclassifications for the period	$	(3,968	)	$	(452	)	Net of tax

Amounts shown above in parentheses reduce earnings.

- Definition

The entire disclosure for any adjustments made during the period to avoid double counting in comprehensive income items displayed as part of net income that also had been displayed as part of other comprehensive income in that period or earlier periods. These adjustments include reclassifications to net income of items in accumulated comprehensive income, such as deferred gains or losses on qualifying hedges when hedged item reported in net income, holding gains or losses on available-for-sale securities transferred into trading category, unrealized holding gains or losses on debt securities transferred from held-to-maturity category into available-for-sale category and accumulated translation adjustment attributable to foreign subsidiary or investment in foreign entity upon sale or liquidation.

+ References + Details

Earnings Per Share

3 Months Ended

Mar. 31, 2017

Earnings Per Share [Abstract]

Earnings Per Share

Note 7 – Earnings Per Share

United is required to report on the face of the consolidated statement of income, earnings per common share with and without the dilutive effects of potential common stock issuances from instruments such as options, convertible securities and warrants. Basic earnings per common share is based on the weighted average number of common shares outstanding during the period while the effects of potential common shares outstanding during the period are included in diluted earnings per common share.

During the three months ended March 31, 2016, United accrued dividends of $21,000 on its Series H preferred stock. The Series H preferred stock was redeemed in the first quarter of 2016; accordingly, United did not accrue any dividends for the first quarter of 2017.

The following table sets forth the computation of basic and diluted earnings per share for the periods indicated (in thousands, except per share data).

	Three Months Ended
	March 31,
	2017		2016

Net income available to common shareholders	$	23,524	$	22,274

Weighted average shares outstanding:
Basic		71,700		72,162
Effect of dilutive securities
Stock options		8		4
Diluted		71,708		72,166

Net income per common share:
Basic	$	.33	$	.31
Diluted	$	.33	$	.31

At March 31, 2017, United had the following potentially dilutive stock options and warrants outstanding: a warrant to purchase 219,909 shares of common stock at $61.40 per share; 64,942 shares of common stock issuable upon exercise of stock options granted to employees with a weighted average exercise price of $28.34; and 575,835 shares of common stock issuable upon the vesting of restricted stock unit awards.

At March 31, 2016, United had the following potentially dilutive stock options and warrants outstanding: a warrant to purchase 219,909 shares of common stock at $61.40 per share; 235,771 shares of common stock issuable upon exercise of stock options granted to employees with a weighted average exercise price of $89.61; and 597,240 shares of common stock issuable upon the vesting of restricted stock unit awards.

Derivatives and Hedging Activities

3 Months Ended

Mar. 31, 2017

Derivatives and Hedging Activities [Abstract]

Derivatives and Hedging Activities

Note 8 – Derivatives and Hedging Activities

Risk Management Objective of Using Derivatives

United is exposed to certain risks arising from both its business operations and economic conditions. United principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. United manages interest rate risk primarily by managing the amount, sources, and duration of its investment securities portfolio and wholesale funding and through the use of derivative financial instruments. Specifically, United enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Derivative financial instruments are used to manage differences in the amount, timing, and duration of known or expected cash receipts and known or expected cash payments principally related to loans, investment securities, wholesale borrowings and deposits.

In conjunction with the FASB’s fair value measurement guidance, United made an accounting policy election to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a gross basis.

The table below presents the fair value of derivative financial instruments as of the dates indicated as well as their classification on the consolidated balance sheet (in thousands).

Derivatives designated as hedging instruments under ASC 815

		Fair Value
Interest Rate Products	Balance Sheet Location	March 31, 2017		December 31, 2016

Fair value hedge of corporate bonds	Derivative assets	$	370	$	265
		$	370	$	265

Fair value hedge of brokered CD's	Derivative liabilities	$	1,936	$	1,980
		$	1,936	$	1,980

Derivatives not designated as hedging instruments under ASC 815

		Fair Value
Interest Rate Products	Balance Sheet Location	March 31, 2017		December 31, 2016

Customer derivative positions	Derivative assets	$	3,283	$	5,266
Dealer offsets to customer derivative positions	Derivative assets		5,825		3,869
Mortgage banking - loan commitment	Derivative assets		1,915		1,552
Mortgage banking - forward sales commitment	Derivative assets		4		534
Bifurcated embedded derivatives	Derivative assets		10,734		10,225
Offsetting positions for de-designated hedges	Derivative assets		-		1,977
		$	21,761	$	23,423

Customer derivative positions	Derivative liabilities	$	5,825	$	3,897
Dealer offsets to customer derivative positions	Derivative liabilities		3,345		5,328
Risk participations	Derivative liabilities		22		26
Mortgage banking - forward sales commitment	Derivative liabilities		320		96
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities		14,622		14,341
De-designated hedges	Derivative liabilities		355		1,980
		$	24,489	$	25,668

Customer derivative positions are between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back swap/cap program. United also has three interest rate swap contracts that are not designated as hedging instruments but are economic hedges of market-linked brokered certificates of deposit. The market-linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and are marked to market through earnings. The fair value marks on the market linked swaps and the bifurcated embedded derivatives tend to move in opposite directions with changes in 90-day LIBOR and therefore provide an economic hedge.

To accommodate customers, United occasionally enters into credit risk participation agreements with counterparty banks to accept a portion of the credit risk related to interest rate swaps. This allows customers to execute an interest rate swap with one bank while allowing for the distribution of the credit risk among participating members. Credit risk participation agreements arise when United contracts with other financial institutions, as a guarantor, to share credit risk associated with certain interest rate swaps. These agreements provide for reimbursement of losses resulting from a third party default on the underlying swap. These transactions are typically executed in conjunction with a participation in a loan with the same customer. Collateral used to support the credit risk for the underlying lending relationship is also available to offset the risk of the credit risk participation.

In addition, United originates certain residential mortgage loans with the intention of selling these loans. Between the time United enters into an interest-rate lock commitment to originate a residential mortgage loan that is to be held for sale and the time the loan is funded and eventually sold, United is subject to the risk of variability in market prices. United enters into forward sale agreements to mitigate risk and to protect the expected gain on the eventual loan sale. Most of this hedging activity is executed on a matched basis, with a loan sale commitment hedging a specific loan. The commitments to originate residential mortgage loans and forward loan sales commitments are freestanding derivative instruments. Beginning late in the third quarter of 2016 for newly originated mortgage loans, United began to account for the underlying loans at fair value pursuant to the fair value option, and these loans are not reflected in the table above. Fair value adjustments on these derivative instruments are recorded within mortgage loan and other related fee income in the consolidated statement of income.

Cash Flow Hedges of Interest Rate Risk

At March 31, 2017 and December 31, 2016 United did not have any active cash flow hedges. Changes in balance sheet composition and interest rate risk position made cash flow hedges no longer necessary as protection against rising interest rates. The loss remaining in other comprehensive income on the de-designated swaps is being amortized into earnings over the original term of the swaps as the forecasted transactions that the swaps were originally designated to hedge are still expected to occur. United expects that $625,000 will be reclassified as an increase to interest expense over the next twelve months related to these cash flow hedges.

The table below presents the effect of cash flow hedges on the consolidated statement of income for the periods indicated (in thousands).

	Amount of Gain (Loss) Recognized in Other Comprehensive Income on Derivative (Effective Portion)				Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)							Gain (Loss) Recognized in Income on Derivative (Ineffective Portion)
	2017		2016		Location	2017			2016			Location	2017		2016

Three Months Ended March 31,

Interest rate swaps	$	-	$	-	Interest expense	$	(413	)	$	(500	)	Interest expense	$	-	$	-

Fair Value Hedges of Interest Rate Risk

United is exposed to changes in the fair value of certain of its fixed-rate obligations due to changes in interest rates. United uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in interest rates. Interest rate swaps designated as fair value hedges of brokered deposits involve the receipt of fixed-rate amounts from a counterparty in exchange for United making variable rate payments over the life of the agreements without the exchange of the underlying notional amount. Interest rate swaps designated as fair value hedges of fixed-rate investments involve the receipt of variable-rate payments from a counterparty in exchange for United making fixed-rate payments over the life of the instrument without the exchange of the underlying notional amount. At March 31, 2017, United had four interest rate swaps with a notional amount of $40.7 million that were designated as fair value hedges of interest rate risk and were pay-variable / receive-fixed swaps hedging the changes in the fair value of fixed-rate brokered time deposits resulting from changes in interest rates. Also at March 31, 2017, United had one interest rate swap with a notional value of $30 million that was designated as a pay-fixed / receive-variable fair value hedge of changes in the fair value of a fixed-rate corporate bond. At December 31, 2016, United had one interest rate swap with an aggregate notional amount of $12.8 million that was designated as a fair value hedge of interest rate risk and was pay-variable / receive-fixed, hedging the changes in the fair value of fixed-rate brokered time deposits resulting from changes in interest rates. Also at December 31, 2016, United had one interest rate swap with a notional value of $30 million that was designated as a pay-fixed / receive-variable fair value hedge of changes in the fair value of a fixed-rate corporate bond.

For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives. During the three months ended March 31, 2017 and 2016, United recognized net losses of $125,000 and net gains of $638,000, respectively, related to ineffectiveness in the fair value hedging relationships. The ineffectiveness gains were almost entirely offset by the write-off of unamortized prepaid broker fees that were incurred as part of the original brokered certificates of deposit. The 2016 ineffectiveness gains mostly resulted from called hedging transactions where United was short the call option in the swap and long the call option on the hedged items (brokered certificates of deposit). Since the instruments were called at par, the difference between the carrying amount of the swap (fair value) and the carrying amount of the hedged item (fair value) on the call date created the ineffectiveness gains. United also recognized net reductions of interest expense of $32,000 and $790,000, respectively, for the three months ended March 31, 2017 and 2016 related to fair value hedges of brokered time deposits, which includes net settlements on the derivatives. United recognized reductions of interest revenue on securities during the three months ended March 31, 2017 and 2016 of $93,000 and $129,000, respectively, related to fair value hedges of corporate bonds.

The table below presents the effect of derivatives in fair value hedging relationships on the consolidated statement of income for the periods indicated (in thousands).

	Location of Gain	Amount of Gain (Loss)						Amount of Gain (Loss)
	(Loss) Recognized	Recognized in Income						Recognized in Income
	in Income on	on Derivative						on Hedged Item
	Derivative	2017			2016			2017			2016

Three Months Ended March 31,
Fair value hedges of brokered CDs	Interest expense	$	(274	)	$	2,551		$	189		$	(1,800	)
Fair value hedges of corporate bonds	Interest revenue		106			(1,614	)		(146	)		1,501
		$	(168	)	$	937		$	43		$	(299	)

In certain cases, the estate of deceased brokered certificate of deposit holders may put the certificate of deposit back to United at par upon the death of the holder. When these estate puts occur, a gain or loss is recognized for the difference between the fair value and the par amount of the deposits put back. The change in the fair value of brokered time deposits that are being hedged in fair value hedging relationships reported in the table above includes gains and losses from estate puts and such gains and losses are included in the amount of reported ineffectiveness gains or losses.

Derivatives Not Designated as Hedging Instruments under ASC 815

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments under ASC 815 for the periods indicated (in thousands).

	Location of Gain	Amount of Gain (Loss)
	(Loss) Recognized	Recognized in Income
	in Income on	on Derivative
	Derivative	2017		2016

Three Months Ended March 31,
Customer derivatives and dealer offsets	Other fee revenue	$	475	$	755
Bifurcated embedded derivatives and dealer offsets	Other fee revenue		63		(296	)
Mortgage banking derivatives	Mortgage loan revenue		124		-
Risk participations	Other fee revenue		4		-
		$	666	$	459

Credit-Risk-Related Contingent Features

United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty. As of March 31, 2017, collateral totaling $18.9 million was pledged toward derivatives in a liability position.

United’s agreements with each of its derivative counterparties contain a provision where if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivatives counterparties also include provisions that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that contain a provision where if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements.

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

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+ Details

Stock-Based Compensation

3 Months Ended

Mar. 31, 2017

Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]

Stock-Based Compensation

Note 9 – Stock-Based Compensation

United has an equity compensation plan that allows for grants of incentive stock options, nonqualified stock options, restricted stock and restricted stock unit awards (also referred to as “nonvested stock” awards), stock awards, performance share awards or stock appreciation rights. Options granted under the plan can have an exercise price no less than the fair market value of the underlying stock at the date of grant. The general terms of the plan include a vesting period (usually four years) with an exercisable period not to exceed ten years. Certain options, restricted stock and restricted stock unit awards provide for accelerated vesting if there is a change in control (as defined in the plan). Through March 31, 2017, incentive stock options, nonqualified stock options, restricted stock and restricted stock unit awards, base salary stock grants and performance share awards have been granted under the plan. As of March 31, 2017, 2.18 million additional awards remained available for grant under the plan.

The following table shows stock option activity for the first three months of 2017.

Options	Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinisic Value ($000)

Outstanding at December 31, 2016		72,665		$	34.34
Expired		(7,723	)		84.78
Outstanding at March 31, 2017		64,942			28.34		3.6	$	343

Exercisable at March 31, 2017		58,692			29.61		3.2		273

The fair value of each option is estimated on the date of grant using the Black-Scholes model. No stock options were granted during the three months ended March 31, 2017 and 2016.

United’s stock option exercise patterns were significantly impacted by the past economic downturn, which rendered most of United’s outstanding options worthless to the grantee. Therefore, historical exercise patterns do not provide a reasonable basis for determining the expected life of new option grants. United therefore uses the formula provided in ASC 718-10-S99 to determine the expected life of options.

United recognized $7,000 in compensation expense related to stock options during each of the three months ended March 31, 2017 and 2016. The amount of compensation expense was determined based on the fair value of the options at the time of grant, multiplied by the number of options granted that were expected to vest, which was then amortized over the vesting period. No options were exercised during the first three months of 2017 or 2016.

The table below presents restricted stock units activity for the first three months of 2017.

Restricted Stock Unit Awards	Shares			Weighted- Average Grant- Date Fair Value

Outstanding at December 31, 2016		690,970		$	18.60
Granted		6,391			28.70
Vested		(117,609	)		16.77
Cancelled		(3,917	)		19.44
Outstanding at March 31, 2017		575,835			19.08

Compensation expense for restricted stock units is based on the fair value of restricted stock unit awards at the time of grant, which is equal to the value of United’s common stock on the date of grant. United recognizes the impact of forfeitures as they occur. The value of restricted stock unit awards is amortized into expense over the vesting period. For the three months ended March 31, 2017 and 2016, compensation expense of $1.26 million and $898,000, respectively, was recognized related to restricted stock unit awards. In addition, for the three months ended March 31, 2017 and 2016, $52,000 and $12,000, respectively, was recognized in other operating expense for restricted stock unit awards granted to members of United’s board of directors. The total intrinsic value of outstanding restricted stock unit awards was $15.9 million at March 31, 2017.

As of March 31, 2017, there was $8.59 million of unrecognized expense related to non-vested stock options and restricted stock unit awards granted under the plan. That cost is expected to be recognized over a weighted-average period of 2.65 years. The aggregate grant date fair value of options and restricted stock unit awards that vested during the three months ended March 31, 2017 was $3.39 million.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References + Details

Common and Preferred Stock Issued / Common Stock Issuable	3 Months Ended
	Mar. 31, 2017
Equity [Abstract]
Common and Preferred Stock Issued / Common Stock Issuable	Note 10 – Common and Preferred Stock Issued / Common Stock Issuable United sponsors a Dividend Reinvestment and Share Purchase Plan (“DRIP”) that allows participants who already own United’s common stock to purchase additional shares directly from United. The DRIP also allows participants to automatically reinvest their quarterly dividends in additional shares of common stock without a commission. In the three months ended March 31, 2017 and 2016, 904 shares and 736 shares, respectively, were issued through the DRIP. In addition, United has an Employee Stock Purchase Program (“ESPP”) that allows eligible employees to purchase shares of common stock at a 10% discount, with no commission charges. During the first three months of 2017 and 2016, United issued 3,335 shares and 4,418 shares, respectively, through the ESPP. United offers its common stock as an investment option in its deferred compensation plan. United also allows for the deferral of restricted stock unit awards. The common stock component of the deferred compensation plan is accounted for as an equity instrument and is reflected in the consolidated financial statements as common stock issuable. The deferred compensation plan does not allow for diversification once an election is made to invest in United’s common stock and settlement must be accomplished in shares at the time the deferral period is completed. At March 31, 2017 and December 31, 2016, 546,511 and 519,874 shares of common stock, respectively, were issuable under the deferred compensation plan. On March 22, 2016, United announced that its Board of Directors had authorized a program to repurchase up to $50 million of United’s outstanding common stock through December 31, 2017. Under the program, the shares may be repurchased periodically in open market transactions at prevailing market prices, in privately negotiated transactions, or by other means in accordance with federal securities laws. The actual timing, number and value of shares repurchased under the program depends on a number of factors, including the market price of United’s common stock, general market and economic conditions, and applicable legal requirements. During the first three months of 2017, United did not repurchase any shares under the program. As of March 31, 2017, $36.3 million of United’s outstanding common stock may be repurchased under the program.

- Definition

The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.

+ References

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+ Details

Income Taxes	3 Months Ended
Income Taxes	Mar. 31, 2017
Income Tax Disclosure [Abstract]
Income Taxes	Note 11 – Income Taxes The income tax provision for the three months ended March 31, 2017 and 2016 was $18.5 million and $13.6 million, respectively, which represents an effective tax rate of 44.0% and 37.9%, respectively, for each period. Upon reversal of United’s former full deferred tax valuation allowance in 2013, certain disproportionate tax effects were retained in accumulated other comprehensive income (loss). During the first quarter of 2017, with the maturity and termination of certain dedesignated cash flow hedges, the disproportionate tax effect associated with these hedges was reversed and recorded as a tax expense of $3.40 million, which was the primary reason for the increase in the effective tax rate compared to the first quarter of 2016. At March 31, 2017 and December 31, 2016, United maintained a valuation allowance on its net deferred tax asset of $3.99 million and $3.88 million, respectively. Management assesses the valuation allowance recorded against its net deferred tax asset at each reporting period. The determination of whether a valuation allowance for its net deferred tax asset is appropriate is subject to considerable judgment and requires an evaluation of all the positive and negative evidence. United evaluated the need for a valuation allowance at March 31, 2017. Based on the assessment of all the positive and negative evidence, management concluded that it is more likely than not that nearly all of its net deferred tax asset will be realized based upon future taxable income. The remaining valuation allowance of $3.99 million is related to specific state income tax credits that have short carryforward periods and are expected to expire unused. The valuation allowance could fluctuate in future periods based on the assessment of the positive and negative evidence. Management's conclusion at March 31, 2017 that it was more likely than not that the net deferred tax asset of $139 million will be realized is based upon management’s estimate of future taxable income. Management’s estimate of future taxable income is based on internal forecasts that consider historical performance, various internal estimates and assumptions, as well as certain external data all of which management believes to be reasonable although inherently subject to significant judgment. If actual results differ significantly from the current estimates of future taxable income, even if caused by adverse macro-economic conditions, the valuation allowance may need to be increased for some or all of its net deferred tax asset. Such an increase to the net deferred tax asset valuation allowance could have a material adverse effect on United’s financial condition and results of operations. United is subject to income taxation in the United States and various state jurisdictions. United’s federal and state income tax returns are filed on a consolidated basis. Currently, no years for which United filed a federal income tax return are under examination by the IRS, and there are no state tax examinations currently in progress. United is no longer subject to income tax examinations from state and local income tax authorities for years before 2013. Although it is not possible to know the ultimate outcome of future examinations, management believes that the liability recorded for uncertain tax positions is appropriate. At March 31, 2017 and December 31, 2016, unrecognized income tax benefits totaled $4.00 million and $3.89 million, respectively.

Assets and Liabilities Measured at Fair Value

3 Months Ended

Mar. 31, 2017

Fair Value [Abstract]

Assets and Liabilities Measured at Fair Value

Note 12 – Assets and Liabilities Measured at Fair Value

Fair value measurements are determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, United uses a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy). United has processes in place to review the significant valuation inputs and to reassess how the instruments are classified in the valuation framework.

Fair Value Hierarchy

Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access.

Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.

Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity.

In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. United’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value.

Securities Available-for-Sale

Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, United States Department of Treasury (“Treasury”) securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds, corporate debt securities and asset-backed securities and are valued based on observable inputs that include: quoted market prices for similar assets, quoted market prices that are not in an active market, or other inputs that are observable in the market and can be corroborated by observable market data for substantially the full term of the securities. Securities classified as Level 3 include asset-backed securities in less liquid markets. Securities classified as Level 3 are valued based on estimates obtained from broker-dealers and are not directly observable.

Deferred Compensation Plan Assets and Liabilities

Included in other assets in the consolidated balance sheet are assets related to employee deferred compensation plans. The assets associated with these plans are invested in mutual funds and classified as Level 1. Deferred compensation liabilities, also classified as Level 1, are carried at the fair value of the obligation to the employee, which mirrors the fair value of the invested assets and is included in other liabilities in the consolidated balance sheet.

Mortgage Loans Held for Sale

Beginning in the third quarter of 2016, United elected the fair value option for newly originated mortgage loans held for sale. United elected the fair value option for its portfolio of mortgage loans held for sale in order to reduce certain timing differences and better match changes in fair values of the loans with changes in the value of derivative instruments used to economically hedge them. The fair value of mortgage loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan (Level 2).

Loans

United does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, a creditor may measure impairment based on a loan's observable market price, or the fair value of the collateral if repayment of the loan is dependent upon the sale of the underlying collateral.

Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with ASC 820, Fair Value Measures and Disclosures, impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, United records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, United records the impaired loan as nonrecurring Level 3.

Derivative Financial Instruments

United uses interest rate swaps and interest rate floors to manage its interest rate risk. The valuation of these instruments is typically determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts and the discounted expected variable cash payments. The variable cash payments are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. United also uses best effort and mandatory delivery forward loan sale commitments to hedge risk in its mortgage lending business.

To comply with the provisions of ASC 820, United incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, United has considered the effect of netting and any applicable credit enhancements, such as collateral postings, thresholds, mutual puts, and guarantees.

Although management has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with its derivatives utilize Level 3 inputs, such as estimates of current credit spreads to evaluate the likelihood of default by itself and its counterparties. However, as of March 31, 2017, management had assessed the significance of the effect of the credit valuation adjustments on the overall valuation of its derivative positions and has determined that the credit valuation adjustments are not significant to the overall valuation of its derivatives. Derivatives classified as Level 3 included structured derivatives for which broker quotes, used as a key valuation input, were not observable consistent with a Level 2 disclosure. The fair value of risk participations incorporates Level 3 inputs to evaluate the likelihood of customer default. The fair value of interest rate lock commitments, which is related to mortgage loan commitments, is categorized as Level 3 based on unobservable inputs for commitments that United does not expect to fund.

Servicing Rights for SBA/USDA Loans

United recognizes servicing rights upon the sale of SBA/USDA loans sold with servicing retained. Management has elected to carry this asset at fair value. Given the nature of the asset, the key valuation inputs are unobservable and management classifies this asset as Level 3.

Residential Mortgage Servicing Rights

United recognizes servicing rights upon the sale of residential mortgage loans sold with servicing retained. Effective January 1, 2017, management has elected to carry this asset at fair value. Given the nature of the asset, the key valuation inputs are unobservable and management classifies this asset as Level 3. The cumulative effect adjustment of this election to retained earnings, net of income tax effect, was $437,000.

Pension Plan Assets

For information on the fair value of pension plan assets, see Note 18 in the Annual Report on Form 10-K for the year ended December 31, 2016.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall (in thousands).

March 31, 2017	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale:
U.S. Treasuries	$	169,927	$	-	$	-	$	169,927
U.S. Agencies		-		25,829		-		25,829
State and political subdivisions		-		83,724		-		83,724
Mortgage-backed securities		-		1,380,360		-		1,380,360
Corporate bonds		-		305,856		675		306,531
Asset-backed securities		-		469,038		-		469,038
Other		-		1,182		-		1,182
Mortgage loans held for sale		-		15,845		-		15,845
Deferred compensation plan assets		4,900		-		-		4,900
Servicing rights for government guaranteed loans		-		-		5,997		5,997
Residential mortgage servicing rights		-		-		5,971		5,971
Derivative financial instruments		-		9,482		12,649		22,131

Total assets	$	174,827	$	2,291,316	$	25,292	$	2,491,435

Liabilities:
Deferred compensation plan liability	$	4,900	$	-	$	-	$	4,900
Derivative financial instruments		-		9,845		16,580		26,425

Total liabilities	$	4,900	$	9,845	$	16,580	$	31,325

December 31, 2016	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale
U.S. Treasuries	$	169,616	$	-	$	-	$	169,616
U.S. Agencies		-		20,820		-		20,820
State and political subdivisions		-		74,177		-		74,177
Mortgage-backed securities		-		1,391,682		-		1,391,682
Corporate bonds		-		304,717		675		305,392
Asset-backed securities		-		469,569		-		469,569
Other		-		1,182		-		1,182
Mortgage loans held for sale		-		27,891		-		27,891
Deferred compensation plan assets		4,161		-		-		4,161
Servicing rights for government guaranteed loans		-		-		5,752		5,752
Derivative financial instruments		-		11,911		11,777		23,688

Total assets	$	173,777	$	2,301,949	$	18,204	$	2,493,930

Liabilities:
Deferred compensation plan liability	$	4,161	$	-	$	-	$	4,161
Derivative financial instruments		-		11,301		16,347		27,648

Total liabilities	$	4,161	$	11,301	$	16,347	$	31,809

The following table shows a reconciliation of the beginning and ending balances for the periods indicated for assets measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values (in thousands).

	Derivative Asset			Derivative Liability			Servicing rights for government guaranteed loans			Residential mortgage servicing rights			Securities Available- for-Sale
Three Months Ended March 31, 2017
Balance at beginning of period	$	11,777		$	16,347		$	5,752		$	-		$	675
Transfer from amortization method to fair value		-			-			-			5,070			-
Additions		-			-			553			866			-
Sales and settlements		(384	)		(550	)		(263	)		(40	)		-
Amounts included in earnings - fair value adjustments		1,256			783			(45	)		75			-
Balance at end of period	$	12,649		$	16,580		$	5,997		$	5,971		$	675


Three Months Ended March 31, 2016
Balance at beginning of period	$	9,418		$	15,794		$	3,712		$	-		$	750
Additions		-			-			299			-			-
Sales and settlements		-			-			(98	)		-			-
Other comprehensive income		-			-			-			-			(100	)
Amounts included in earnings - fair value adjustments		(5,503	)		(5,643	)		(15	)		-			-
Balance at end of period	$	3,915		$	10,151		$	3,898		$	-		$	650

The following table presents quantitative information about Level 3 fair value measurements for fair value on a recurring basis as of the dates indicated (in thousands).

	Fair Value						Weighted Average
Level 3 Assets	March 31,		December 31,		Valuation		March 31,			December 31,
and Liabilities	2017		2016		Technique	Unobservable Inputs	2017			2016

Servicing rights for government guaranteed loans	$	5,997	$	5,752	Discounted cash flow	Discount rate		11.6	%		11.0	%
						Prepayment rate		7.43	%		7.12	%

Residential mortgage servicing rights		5,971		-	Discounted cash flow	Discount rate		10.0	%		N/A
						Prepayment rate		9.40	%		N/A

Corporate bonds		675		675	Indicative bid provided by a broker	Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the company		N/A			N/A

Derivative assets - mortgage		1,915		1,552	Internal model	Pull through rate		80	%		80	%

Derivative assets - other		10,734		10,225	Dealer priced	Dealer priced		N/A			N/A

Derivative liabilities - risk participations		22		26	Internal model	Probable exposure rate		0.35	%		0.35	%
						Probability of default rate		1.80	%		1.80	%

Derivative liabilities - other		16,558		16,321	Dealer priced	Dealer priced		N/A			N/A

Fair Value Option

At March 31, 2017, mortgage loans held for sale for which the fair value option was elected had an aggregate fair value and outstanding principal balance of $15.8 million and $15.3 million, respectively. At December 31, 2016, mortgage loans held for sale for which the fair value option was elected had an aggregate fair value and outstanding principal balance of $27.9 million and $27.6 million, respectively. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. During the first quarter of 2017, net gains resulting from changes in fair value of these loans of $252,000 were recorded in mortgage loan and other related fees. These changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk. During the first quarter of 2016, no such gains were recorded.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of the lower of the amortized cost or fair value accounting or write-downs of individual assets due to impairment. The following table presents the fair value hierarchy and carrying value of all assets that were still held as of March 31, 2017 and December 31, 2016, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands).

March 31, 2017	Level 1		Level 2		Level 3		Total
Loans	$	-	$	-	$	3,749	$	3,749

December 31, 2016
Loans	$	-	$	-	$	7,179	$	7,179

Loans that are reported above as being measured at fair value on a nonrecurring basis are generally impaired loans that have either been partially charged off or have specific reserves assigned to them. Nonaccrual impaired loans that are collateral dependent are generally written down to 80% of appraised value which considers the estimated costs to sell. Specific reserves are established for impaired loans based on appraised value of collateral or discounted cash flows, although only those specific reserves based on the fair value of collateral are considered nonrecurring fair value adjustments.

Assets and Liabilities Not Measured at Fair Value

For financial instruments that have quoted market prices, those quotes are used to determine fair value. Financial instruments that have no defined maturity, have a remaining maturity of 180 days or less, or reprice frequently to a market rate, are assumed to have a fair value that approximates reported book value, after taking into consideration any applicable credit risk. If no market quotes are available, financial instruments are valued by discounting the expected cash flows using an estimated current market interest rate for the financial instrument. For off-balance sheet derivative instruments, fair value is estimated as the amount that United would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts.

Cash and cash equivalents and repurchase agreements have short maturities and therefore the carrying value approximates fair value. Due to the short-term settlement of accrued interest receivable and payable, the carrying amount closely approximates fair value.

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include the mortgage banking operation, brokerage network, deferred income taxes, premises and equipment and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Off-balance sheet instruments (commitments to extend credit and standby letters of credit) for which draws can be reasonably predicted are generally short-term in maturity and are priced at variable rates. Therefore, the estimated fair value associated with these instruments is immaterial.

The carrying amount and fair values as of the dates indicated for other financial instruments that are not measured at fair value on a recurring basis are as follows (in thousands).

	Carrying		Fair Value Level
March 31, 2017	Amount		Level 1		Level 2		Level 3		Total
Assets:
Securities held to maturity	$	329,992	$	-	$	333,032	$	-	$	333,032
Loans, net		6,904,447		-		-		6,851,143		6,851,143
Mortgage loans held for sale		646		-		656		-		656

Liabilities:
Deposits		8,752,092		-		8,752,884		-		8,752,884
Federal Home Loan Bank advances		569,138		-		569,054		-		569,054
Long-term debt		175,238		-		-		175,786		175,786

December 31, 2016
Assets:
Securities held to maturity	$	329,843	$	-	$	333,170	$	-	$	333,170
Loans, net		6,859,214		-		-		6,824,229		6,824,229
Mortgage loans held for sale		1,987		-		2,018		-		2,018
Residential mortgage servicing rights		4,372		-		-		5,175		5,175

Liabilities:
Deposits		8,637,558		-		8,635,811		-		8,635,811
Federal Home Loan Bank advances		709,209		-		709,174		-		709,174
Long-term debt		175,078		-		-		175,750		175,750

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Commitments and Contingencies

3 Months Ended

Mar. 31, 2017

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Note 13 – Commitments and Contingencies

United is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract amounts of these instruments reflect the extent of involvement United has in particular classes of financial instruments. The exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit written is represented by the contractual amount of these instruments. United uses the same credit policies in making commitments and conditional obligations as it uses for underwriting on-balance sheet instruments. In most cases, collateral or other security is required to support financial instruments with credit risk.

The following table summarizes the contractual amount of off-balance sheet instruments as of the dates indicated (in thousands).

	March 31,		December 31,
	2017		2016
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	1,605,663	$	1,542,186
Letters of credit		28,499		26,862

United’s wholly-owned bank subsidiary, United Community Bank (the “Bank”), holds minor investments in certain limited partnerships for Community Reinvestment Act purposes. As of March 31, 2017, the Bank had invested $3.58 million in these limited partnerships and had committed to fund an additional $923,000 related to future capital calls.

United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on United’s financial position or results of operations.

Subsequent Events

3 Months Ended

Mar. 31, 2017

Subsequent Events [Abstract]

Subsequent Events

Note 14 – Subsequent Events

On April 20, 2017, United announced that it had reached a definitive merger agreement to acquire HCSB Financial Corporation (“HCSB”) and its wholly-owned bank subsidiary, Horry County State Bank. As of December 31, 2016, HCSB had total assets of $376 million, loans of $215 million and deposits of $313 million. Horry County State Bank, which currently operates eight branches in the Myrtle Beach-Conway-North Myrtle Beach area of South Carolina, will merge into and operate under the brand of United Community Bank, United’s wholly-owned bank subsidiary.

Under the terms of the merger agreement, which has been unanimously approved by the Boards of Directors of both companies, HCSB shareholders will receive .0050 shares of United common stock for each share of HCSB common stock. Based on United’s closing price of $26.70 per share on April 19, 2017, the aggregate deal value is approximately $66 million.

The merger, which is subject to regulatory approval, the approval of the shareholders of HCSB, and other customary conditions, is expected to close in the third quarter of 2017.

Accounting Policies (Policies)	3 Months Ended
Accounting Policies (Policies)	Mar. 31, 2017
Accounting Policies [Abstract]
Basis of accounting	The accounting and financial reporting policies of United Community Banks, Inc. (“United”) and its subsidiaries conform to accounting principles generally accepted in the United States (“GAAP”) and reporting guidelines of banking regulatory authorities and regulators. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its Annual Report on Form 10-K for the year ended December 31, 2016.

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings (Tables)

3 Months Ended

Mar. 31, 2017

Offsetting [Abstract]

Schedule of summary of amounts outstanding under reverse repurchase agreements.

	Gross Amounts of			Gross Amounts Offset on					Gross Amounts not Offset in the Balance Sheet
March 31, 2017	Recognized Assets			the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount

Repurchase agreements / reverse repurchase agreements	$	200,000		$	(200,000	)	$	-	$	-		$	-		$	-
Derivatives		22,131			-			22,131		(2,777	)		(2,369	)		16,985
Total	$	222,131		$	(200,000	)	$	22,131	$	(2,777	)	$	(2,369	)	$	16,985

Weighted average interest rate of reverse repurchase agreements		1.79	%

	Gross Amounts of			Gross Amounts Offset on			Net		Gross Amounts not Offset in the Balance Sheet
	Recognized Liabilities			the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount

Repurchase agreements / reverse repurchase agreements	$	200,000		$	(200,000	)	$	-	$	-		$	-		$	-
Derivatives		26,425			-			26,425		(2,777	)		(18,853	)		4,795
Total	$	226,425		$	(200,000	)	$	26,425	$	(2,777	)	$	(18,853	)	$	4,795

Weighted average interest rate of repurchase agreements		.95	%

	Gross Amounts of			Gross Amounts Offset on					Gross Amounts not Offset in the Balance Sheet
December 31, 2016	Recognized Assets			the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount

Repurchase agreements / reverse repurchase agreements	$	150,000		$	(150,000	)	$	-	$	-		$	-		$	-
Derivatives		23,688			-			23,688		(3,485	)		(3,366	)		16,837
Total	$	173,688		$	(150,000	)	$	23,688	$	(3,485	)	$	(3,366	)	$	16,837

Weighted average interest rate of reverse repurchase agreements		1.78	%

	Gross Amounts of			Gross Amounts Offset on			Net		Gross Amounts not Offset in the Balance Sheet
	Recognized Liabilities			the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount

Repurchase agreements / reverse repurchase agreements	$	150,000		$	(150,000	)	$	-	$	-		$	-		$	-
Derivatives		27,648			-			27,648		(3,485	)		(18,505	)		5,658
Total	$	177,648		$	(150,000	)	$	27,648	$	(3,485	)	$	(18,505	)	$	5,658

Weighted average interest rate of repurchase agreements		.88	%

Schedule of repurchase agreements remaining contractual maturity of the agreements

	Remaining Contractual Maturity of the Agreements
	Overnight and
As of March 31, 2017	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total

Mortgage-backed securities	$	-	$	-	$	100,000	$	100,000	$	200,000

Total	$	-	$	-	$	100,000	$	100,000	$	200,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	200,000
Amounts related to agreements not included in offsetting disclosure									$	-

	Remaining Contractual Maturity of the Agreements
	Overnight and
As of December 31, 2016	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total

Mortgage-backed securities	$	-	$	-	$	50,000	$	100,000	$	150,000

Total	$	-	$	-	$	50,000	$	100,000	$	150,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	150,000
Amounts related to agreements not included in offsetting disclosure									$	-

Securities (Tables)

3 Months Ended

Mar. 31, 2017

Investment Securities [Abstract]

Schedule of cost basis, gross unrealized gains and losses and fair value of securities held to maturity

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
As of March 31, 2017	Cost		Gains		Losses		Value

State and political subdivisions	$	56,625	$	2,230	$	221	$	58,634
Mortgage-backed securities ⁽¹⁾		273,367		3,775		2,744		274,398

Total	$	329,992	$	6,005	$	2,965	$	333,032

As of December 31, 2016

State and political subdivisions	$	57,134	$	2,197	$	249	$	59,082
Mortgage-backed securities ⁽¹⁾		272,709		4,035		2,656		274,088

Total	$	329,843	$	6,232	$	2,905	$	333,170

⁽¹⁾ All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Schedule of cost basis, unrealized gains and losses, and fair value of securities available for sale

			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
As of March 31, 2017	Cost		Gains		Losses		Value

U.S. Treasuries	$	170,328	$	75	$	476	$	169,927
U.S. Government agencies		25,580		279		30		25,829
State and political subdivisions		83,761		174		211		83,724
Mortgage-backed securities ⁽¹⁾		1,383,498		9,291		12,429		1,380,360
Corporate bonds		306,405		1,296		1,170		306,531
Asset-backed securities		467,153		2,783		898		469,038
Other		1,182		-		-		1,182

Total	$	2,437,907	$	13,898	$	15,214	$	2,436,591

As of December 31, 2016

U.S. Treasuries	$	170,360	$	20	$	764	$	169,616
U.S. Government agencies		21,053		6		239		20,820
State and political subdivisions		74,555		176		554		74,177
Mortgage-backed securities ⁽¹⁾		1,397,435		8,924		14,677		1,391,682
Corporate bonds		306,824		591		2,023		305,392
Asset-backed securities		468,742		2,798		1,971		469,569
Other		1,182		-		-		1,182

Total	$	2,440,151	$	12,515	$	20,228	$	2,432,438

⁽¹⁾ All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Schedule of held to maturity securities in an unrealized loss position

	Less than 12 Months				12 Months or More				Total
As of March 31, 2017	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss

State and political subdivisions	$	16,426	$	221	$	-	$	-	$	16,426	$	221
Mortgage-backed securities		146,280		2,744		-		-		146,280		2,744
Total unrealized loss position	$	162,706	$	2,965	$	-	$	-	$	162,706	$	2,965

As of December 31, 2016

State and political subdivisions	$	18,359	$	249	$	-	$	-	$	18,359	$	249
Mortgage-backed securities		118,164		2,656		-		-		118,164		2,656
Total unrealized loss position	$	136,523	$	2,905	$	-	$	-	$	136,523	$	2,905

Schedule of available for sale securities in an unrealized loss position

	Less than 12 Months				12 Months or More				Total
As of March 31, 2017	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss

U.S. Treasuries	$	145,454	$	476	$	-	$	-	$	145,454	$	476
U.S. Government agencies		1,796		30		-		-		1,796		30
State and political subdivisions		49,383		210		1,136		1		50,519		211
Mortgage-backed securities		742,558		11,704		47,837		725		790,395		12,429
Corporate bonds		50,485		793		15,623		377		66,108		1,170
Asset-backed securities		107,914		468		51,065		430		158,979		898
Total unrealized loss position	$	1,097,590	$	13,681	$	115,661	$	1,533	$	1,213,251	$	15,214

As of December 31, 2016

U.S. Treasuries	$	145,229	$	764	$	-	$	-	$	145,229	$	764
U.S. Government agencies		19,685		239		-		-		19,685		239
State and political subdivisions		61,782		554		-		-		61,782		554
Mortgage-backed securities		810,686		13,952		26,279		725		836,965		14,677
Corporate bonds		228,504		1,597		15,574		426		244,078		2,023
Asset-backed securities		54,477		540		115,338		1,431		169,815		1,971
Total unrealized loss position	$	1,320,363	$	17,646	$	157,191	$	2,582	$	1,477,554	$	20,228

Schedule of summary of securities sales activities

	Three Months Ended March 31,
	2017			2016

Proceeds from sales	$	24,197		$	61,305

Gross gains on sales	$	98		$	673
Gross losses on sales		(100	)		(294	)

Net (losses) gains on sales of securities	$	(2	)	$	379


Income tax (benefit) expense attributable to sales	$	(1	)	$	141

Schedule of amortized cost and fair value of available for sale and held to maturity securities by contractual maturity

	Available-for-Sale				Held-to-Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value

US Treasuries:
1 to 5 years	$	140,425	$	140,267	$	-	$	-
5 to 10 years		29,903		29,660		-		-
		170,328		169,927		-		-

US Government agencies:
1 to 5 years		2,114		2,121		-		-
5 to 10 years		17,868		17,972		-		-
More than 10 years		5,598		5,736		-		-
		25,580		25,829		-		-

State and political subdivisions:
Within 1 year		535		537		5,239		5,280
1 to 5 years		30,558		30,591		15,754		16,423
5 to 10 years		23,538		23,457		18,535		20,054
More than 10 years		29,130		29,139		17,097		16,877
		83,761		83,724		56,625		58,634

Corporate bonds:
1 to 5 years		258,929		259,852		-		-
5 to 10 years		46,476		46,004		-		-
More than 10 years		1,000		675		-		-
		306,405		306,531		-		-

Asset-backed securities:
1 to 5 years		19,392		19,740		-		-
5 to 10 years		336,844		338,349		-		-
More than 10 years		110,917		110,949		-		-
		467,153		469,038		-		-

Other:
More than 10 years		1,182		1,182		-		-
		1,182		1,182		-		-

Total securities other than mortgage-backed securities:
Within 1 year		535		537		5,239		5,280
1 to 5 years		451,418		452,571		15,754		16,423
5 to 10 years		454,629		455,442		18,535		20,054
More than 10 years		147,827		147,681		17,097		16,877

Mortgage-backed securities		1,383,498		1,380,360		273,367		274,398

	$	2,437,907	$	2,436,591	$	329,992	$	333,032

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References + Details

- Definition

Tabular disclosure of all investments in certain debt and equity securities for which the entity has the positive intent and ability to hold until maturity.

+ References + Details

Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2017

Loans and Allowance for Credit Losses [Abstract]

Schedule of major classifications of loans

	March 31,			December 31,
	2017			2016

Owner occupied commercial real estate	$	1,633,450		$	1,650,360
Income producing commercial real estate		1,296,700			1,281,541
Commercial & industrial		1,079,837			1,069,715
Commercial construction		666,861			633,921
Total commercial		4,676,848			4,635,537
Residential mortgage		859,796			856,725
Home equity lines of credit		659,041			655,410
Residential construction		196,643			190,043
Consumer installment		112,461			123,567
Indirect auto		460,201			459,354

Total loans		6,964,990			6,920,636

Less allowance for loan losses		(60,543	)		(61,422	)

Loans, net	$	6,904,447		$	6,859,214

Schedule of changes in the value of the accretable yield for acquired loans accounted

	Three Months Ended March 31,
	2017			2016
Balance at beginning of period	$	7,981		$	4,279
Accretion		(1,690	)		(1,315	)
Reclassification from nonaccretable difference		889			646
Changes in expected cash flows that do not affect nonaccretable difference		582			534
Balance at end of period	$	7,762		$	4,144

Schedule of balance and activity in the allowance for credit losses by portfolio segment

Three Months Ended March 31, 2017	Beginning Balance		Charge- Offs			Recoveries		(Release) Provision			Ending Balance

Owner occupied commercial real estate	$	16,446	$	(25	)	$	237	$	(989	)	$	15,669
Income producing commercial real estate		8,843		(897	)		27		905			8,878
Commercial & industrial		3,810		(216	)		368		(237	)		3,725
Commercial construction		13,405		(202	)		572		(985	)		12,790
Residential mortgage		8,545		(542	)		12		1,056			9,071
Home equity lines of credit		4,599		(471	)		49		353			4,530
Residential construction		3,264		-			9		(6	)		3,267
Consumer installment		708		(442	)		207		136			609
Indirect auto		1,802		(420	)		55		567			2,004
Total allowance for loan losses		61,422		(3,215	)		1,536		800			60,543
Allowance for unfunded commitments		2,002		-			-		-			2,002
Total allowance for credit losses	$	63,424	$	(3,215	)	$	1,536	$	800		$	62,545

Three Months Ended March 31, 2016	Beginning Balance		Charge- Offs			Recoveries		(Release) Provision			Ending Balance

Owner occupied commercial real estate	$	18,016	$	(599	)	$	121	$	452		$	17,990
Income producing commercial real estate		11,548		(277	)		103		(2,412	)		8,962
Commercial & industrial		4,433		(572	)		289		(1,001	)		3,149
Commercial construction		9,553		(287	)		120		3,827			13,213
Residential mortgage		12,719		(96	)		11		(2,434	)		10,200
Home equity lines of credit		5,956		(723	)		91		607			5,931
Residential construction		4,002		(59	)		43		778			4,764
Consumer installment		828		(307	)		206		46			773
Indirect auto		1,393		(233	)		31		137			1,328
Total allowance for loan losses		68,448		(3,153	)		1,015		-			66,310
Allowance for unfunded commitments		2,542		-			-		(200	)		2,342
Total allowance for credit losses	$	70,990	$	(3,153	)	$	1,015	$	(200	)	$	68,652

	Allowance for Loan Losses
	March 31, 2017								December 31, 2016
	Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance		Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance

Owner occupied commercial real estate	$	1,607	$	14,062	$	-	$	15,669	$	1,746	$	14,700	$	-	$	16,446
Income producing commercial real estate		907		7,971		-		8,878		885		7,919		39		8,843
Commercial & industrial		54		3,671		-		3,725		58		3,752		-		3,810
Commercial construction		171		12,613		6		12,790		168		13,218		19		13,405
Residential mortgage		875		8,196		-		9,071		517		7,997		31		8,545
Home equity lines of credit		2		4,528		-		4,530		2		4,597		-		4,599
Residential construction		66		3,200		1		3,267		64		3,198		2		3,264
Consumer installment		11		598		-		609		12		696		-		708
Indirect auto		-		2,004		-		2,004		-		1,802		-		1,802
Total allowance for loan losses		3,693		56,843		7		60,543		3,452		57,879		91		61,422
Allowance for unfunded commitments		-		2,002		-		2,002		-		2,002		-		2,002
Total allowance for credit losses	$	3,693	$	58,845	$	7	$	62,545	$	3,452	$	59,881	$	91	$	63,424

	Loans Outstanding
	March 31, 2017								December 31, 2016
	Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance		Individually evaluated for impairment		Collectively evaluated for impairment		PCI		Ending Balance

Owner occupied commercial real estate	$	29,699	$	1,586,060	$	17,691	$	1,633,450	$	31,421	$	1,600,355	$	18,584	$	1,650,360
Income producing commercial real estate		28,265		1,245,324		23,111		1,296,700		30,459		1,225,763		25,319		1,281,541
Commercial & industrial		1,959		1,077,118		760		1,079,837		1,915		1,066,764		1,036		1,069,715
Commercial construction		4,907		654,284		7,670		666,861		5,050		620,543		8,328		633,921
Residential mortgage		13,549		840,373		5,874		859,796		13,706		836,624		6,395		856,725
Home equity lines of credit		63		657,015		1,963		659,041		63		653,337		2,010		655,410
Residential construction		1,602		194,498		543		196,643		1,594		187,516		933		190,043
Consumer installment		278		112,035		148		112,461		290		123,118		159		123,567
Indirect auto		1,055		459,146		-		460,201		1,165		458,189		-		459,354
Total loans	$	81,377	$	6,825,853	$	57,760	$	6,964,990	$	85,663	$	6,772,209	$	62,764	$	6,920,636

Schedule of recorded investments in individually evaluated impaired loans

	March 31, 2017						December 31, 2016
	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated

With no related allowance recorded:
Owner occupied commercial real estate	$	7,335	$	6,839	$	-	$	9,171	$	8,477	$	-
Income producing commercial real estate		15,168		15,168		-		16,864		16,864		-
Commercial & industrial		740		653		-		421		334		-
Commercial construction		845		740		-		845		841		-
Total commercial		24,088		23,400		-		27,301		26,516		-
Residential mortgage		630		622		-		630		628		-
Home equity lines of credit		-		-		-		-		-		-
Residential construction		-		-		-		-		-		-
Consumer installment		-		-		-		-		-		-
Indirect auto		1,055		1,055		-		1,165		1,165		-
Total with no related allowance recorded		25,773		25,077		-		29,096		28,309		-

With an allowance recorded:
Owner occupied commercial real estate		23,493		22,860		1,607		23,574		22,944		1,746
Income producing commercial real estate		13,187		13,097		907		13,681		13,595		885
Commercial & industrial		1,406		1,306		54		1,679		1,581		58
Commercial construction		4,596		4,167		171		4,739		4,209		168
Total commercial		42,682		41,430		2,739		43,673		42,329		2,857
Residential mortgage		13,428		12,927		875		13,565		13,078		517
Home equity lines of credit		63		63		2		63		63		2
Residential construction		1,957		1,602		66		1,947		1,594		64
Consumer installment		280		278		11		293		290		12
Indirect auto		-		-		-		-		-		-
Total with an allowance recorded		58,410		56,300		3,693		59,541		57,354		3,452
Total	$	84,183	$	81,377	$	3,693	$	88,637	$	85,663	$	3,452

Schedule of TDRs including the number of loan contracts restructured and the pre- and post-modification recorded investment

	New TDRs
			Pre- Modification Outstanding		Post- Modification Outstanding Recorded Investment by Type of Modification								TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted during the Three Months Ended March 31,
Three Months Ended March 31, 2017	Number of Contracts		Recorded Investment		Rate Reduction		Structure		Other		Total		Number of Contracts		Recorded Investment

Owner occupied commercial real estate		-	$	-	$	-	$	-	$	-	$	-		-	$	-
Income producing commercial real estate		-		-		-		-		-		-		-		-
Commercial & industrial		1		25		-		25		-		25		-		-
Commercial construction		-		-		-		-		-		-		-		-
Total commercial		1		25		-		25		-		25		-		-
Residential mortgage		7		353		-		353		-		353		2		655
Home equity lines of credit		-		-		-		-		-		-		-		-
Residential construction		1		40		40		-		-		40		-		-
Consumer installment		1		6		-		6		-		6		-		-
Indirect auto		-		-		-		-		-		-		-		-
Total loans		10	$	424	$	40	$	384	$	-	$	424		2	$	655

Three Months Ended March 31, 2016

Owner occupied commercial real estate		3	$	649	$	-	$	649	$	-	$	649		1	$	247
Income producing commercial real estate		-		-		-		-		-		-		-		-
Commercial & industrial		1		197		-		197		-		197		-		-
Commercial construction		1		66		-		-		66		66		-		-
Total commercial		5		912		-		846		66		912		1		247
Residential mortgage		7		799		414		349		-		763		-		-
Home equity lines of credit		-		-		-		-		-		-		-		-
Residential construction		-		-		-		-		-		-		-		-
Consumer installment		1		20		-		20		-		20		-		-
Indirect auto		-		-		-		-		-		-		-		-
Total loans		13	$	1,731	$	414	$	1,215	$	66	$	1,695		1	$	247

Schedule of average balances of impaired loans and income recognized on impaired loans

	2017						2016
Three Months Ended March 31,	Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received		Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received

Owner occupied commercial real estate	$	29,858	$	345	$	336	$	33,696	$	448	$	466
Income producing commercial real estate		28,410		351		345		27,402		315		334
Commercial & industrial		1,939		27		28		2,385		30		26
Commercial construction		5,001		53		53		5,492		70		70
Total commercial		65,208		776		762		68,975		863		896
Residential mortgage		13,608		138		143		15,334		157		152
Home equity lines of credit		63		1		1		63		1		1
Residential construction		1,619		23		23		1,418		20		17
Consumer installment		287		5		6		341		6		7
Indirect auto		1,122		14		14		784		11		11
Total	$	81,907	$	957	$	949	$	86,915	$	1,058	$	1,084

Schedule of recorded investment in nonaccrual loans by loan class

	March 31,		December 31,
	2017		2016

Owner occupied commercial real estate	$	6,135	$	7,373
Income producing commercial real estate		1,540		1,324
Commercial & industrial		929		966
Commercial construction		1,069		1,538
Total commercial		9,673		11,201
Residential mortgage		6,455		6,368
Home equity lines of credit		1,848		1,831
Residential construction		417		776
Consumer installment		102		88
Indirect auto		1,317		1,275
Total	$	19,812	$	21,539

Schedule of aging of the recorded investment in past due loans

	Loans Past Due								Loans Not
As of March 31, 2017	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Past Due		PCI Loans		Total

Owner occupied commercial real estate		1,947		1,472		3,866		7,285		1,608,474		17,691		1,633,450
Income producing commercial real estate		1,894		165		413		2,472		1,271,117		23,111		1,296,700
Commercial & industrial		1,928		1,045		72		3,045		1,076,032		760		1,079,837
Commercial construction		795		833		153		1,781		657,410		7,670		666,861
Total commercial		6,564		3,515		4,504		14,583		4,613,033		49,232		4,676,848
Residential mortgage		3,955		2,861		1,872		8,688		845,234		5,874		859,796
Home equity lines of credit		1,182		76		429		1,687		655,391		1,963		659,041
Residential construction		541		22		120		683		195,417		543		196,643
Consumer installment		421		149		43		613		111,700		148		112,461
Indirect auto		535		346		929		1,810		458,391		-		460,201
Total loans		13,198		6,969		7,897		28,064		6,879,166		57,760		6,964,990

	Loans Past Due								Loans Not
As of December 31, 2016	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Past Due		PCI Loans		Total

Owner occupied commercial real estate	$	2,195	$	1,664	$	3,386	$	7,245	$	1,624,531	$	18,584	$	1,650,360
Income producing commercial real estate		1,373		355		330		2,058		1,254,164		25,319		1,281,541
Commercial & industrial		943		241		178		1,362		1,067,317		1,036		1,069,715
Commercial construction		452		14		292		758		624,835		8,328		633,921
Total commercial		4,963		2,274		4,186		11,423		4,570,847		53,267		4,635,537
Residential mortgage		7,221		1,799		1,700		10,720		839,610		6,395		856,725
Home equity lines of credit		1,996		101		957		3,054		650,346		2,010		655,410
Residential construction		950		759		51		1,760		187,350		933		190,043
Consumer installment		633		117		35		785		122,623		159		123,567
Indirect auto		1,109		301		909		2,319		457,035		-		459,354
Total loans	$	16,872	$	5,351	$	7,838	$	30,061	$	6,827,811	$	62,764	$	6,920,636

Schedule of risk category of loans by class of loans

As of March 31, 2017	Pass		Watch		Substandard		Doubtful / Loss		Total

Owner occupied commercial real estate	$	1,557,667	$	22,799	$	35,293	$	-	$	1,615,759
Income producing commercial real estate		1,236,410		13,793		23,386		-		1,273,589
Commercial & industrial		1,064,945		3,155		10,977		-		1,079,077
Commercial construction		647,400		5,746		6,045		-		659,191
Total commercial		4,506,422		45,493		75,701		-		4,627,616
Residential mortgage		833,846		-		20,076		-		853,922
Home equity lines of credit		650,500		-		6,578		-		657,078
Residential construction		193,850		-		2,250		-		196,100
Consumer installment		111,610		-		703		-		112,313
Indirect auto		457,596		-		2,605		-		460,201
Total loans, excluding PCI loans	$	6,753,824	$	45,493	$	107,913	$	-	$	6,907,230

Owner occupied commercial real estate	$	1,956	$	3,357	$	12,378	$	-	$	17,691
Income producing commercial real estate		11,874		8,940		2,297		-		23,111
Commercial & industrial		269		167		324		-		760
Commercial construction		3,126		956		3,588		-		7,670
Total commercial		17,225		13,420		18,587		-		49,232
Residential mortgage		4,863		-		1,011		-		5,874
Home equity lines of credit		904		-		1,059		-		1,963
Residential construction		518		-		25		-		543
Consumer installment		92		-		56		-		148
Indirect auto		-		-		-		-		-
Total PCI loans	$	23,602	$	13,420	$	20,738	$	-	$	57,760

As of December 31, 2016

Owner occupied commercial real estate	$	1,577,301	$	18,029	$	36,446	$	-	$	1,631,776
Income producing commercial real estate		1,220,626		8,502		27,094		-		1,256,222
Commercial & industrial		1,055,282		4,188		9,209		-		1,068,679
Commercial construction		612,900		6,166		6,527		-		625,593
Total commercial		4,466,109		36,885		79,276		-		4,582,270
Residential mortgage		829,844		-		20,486		-		850,330
Home equity lines of credit		647,425		-		5,975		-		653,400
Residential construction		185,643		-		3,467		-		189,110
Consumer installment		122,736		-		672		-		123,408
Indirect auto		456,717		-		2,637		-		459,354
Total loans, excluding PCI loans	$	6,708,474	$	36,885	$	112,513	$	-	$	6,857,872

Owner occupied commercial real estate	$	2,044	$	3,444	$	13,096	$	-	$	18,584
Income producing commercial real estate		13,236		8,474		3,609		-		25,319
Commercial & industrial		216		160		660		-		1,036
Commercial construction		3,212		1,265		3,851		-		8,328
Total commercial		18,708		13,343		21,216		-		53,267
Residential mortgage		5,189		-		1,206		-		6,395
Home equity lines of credit		1,094		-		916		-		2,010
Residential construction		898		-		35		-		933
Consumer installment		159		-		-		-		159
Indirect auto		-		-		-		-		-
Total PCI loans	$	26,048	$	13,343	$	23,373	$	-	$	62,764

Reclassifications Out of Accumulated Other Comprehensive Income (Tables)

3 Months Ended

Mar. 31, 2017

Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]

Schedule of reclassifications out of accumulated other comprehensive income

	Amounts Reclassified from Accumulated Other Comprehensive Income
Details about Accumulated Other	For the three months ended March 31,						Affected Line Item in the Statement
Comprehensive Income Components	2017			2016			Where Net Income is Presented

Realized (losses) gains on available-for-sale securities:
	$	(2	)	$	379		Securities (losses) gains, net
		1			(141	)	Income tax benefit (expense)
	$	(1	)	$	238		Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held to maturity:
	$	(310	)	$	(464	)	Investment securities interest revenue
		116			181		Income tax benefit
	$	(194	)	$	(283	)	Net of tax

Amortization of losses included in net income on derivative financial instruments accounted for as cash flow hedges:
Amortization of losses on de-designated positions	$	-		$	(7	)	Deposits in banks and short-term investments interest revenue
Amortization of losses on de-designated positions		(149	)		(191	)	Money market deposit interest expense
Amortization of losses on de-designated positions		(264	)		(302	)	Federal Home Loan Bank advances interest expense
		(413	)		(500	)	Total before tax
		161			195		Income tax benefit
	$	(252	)	$	(305	)	Net of tax

Reclassification of disproportionate tax effect related to terminated cash flow hedges:
	$	(3,400	)	$	-		Income tax expense

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan:
Prior service cost	$	(140	)	$	(125	)	Salaries and employee benefits expense
Actuarial losses		(60	)		(42	)	Salaries and employee benefits expense
		(200	)		(167	)	Total before tax
		79			65		Income tax benefit
	$	(121	)	$	(102	)	Net of tax

Total reclassifications for the period	$	(3,968	)	$	(452	)	Net of tax

Amounts shown above in parentheses reduce earnings.

Earnings Per Share (Tables)

3 Months Ended

Mar. 31, 2017

Earnings Per Share [Abstract]

Schedule of computation of basic and diluted loss per share

	Three Months Ended
	March 31,
	2017		2016

Net income available to common shareholders	$	23,524	$	22,274

Weighted average shares outstanding:
Basic		71,700		72,162
Effect of dilutive securities
Stock options		8		4
Diluted		71,708		72,166

Net income per common share:
Basic	$	.33	$	.31
Diluted	$	.33	$	.31

Derivatives and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2017

Derivatives and Hedging Activities [Abstract]

Schedule of derivative financial instruments on consolidated balance sheet

Derivatives designated as hedging instruments under ASC 815

		Fair Value
Interest Rate Products	Balance Sheet Location	March 31, 2017		December 31, 2016

Fair value hedge of corporate bonds	Derivative assets	$	370	$	265
		$	370	$	265

Fair value hedge of brokered CD's	Derivative liabilities	$	1,936	$	1,980
		$	1,936	$	1,980

Derivatives not designated as hedging instruments under ASC 815

		Fair Value
Interest Rate Products	Balance Sheet Location	March 31, 2017		December 31, 2016

Customer derivative positions	Derivative assets	$	3,283	$	5,266
Dealer offsets to customer derivative positions	Derivative assets		5,825		3,869
Mortgage banking - loan commitment	Derivative assets		1,915		1,552
Mortgage banking - forward sales commitment	Derivative assets		4		534
Bifurcated embedded derivatives	Derivative assets		10,734		10,225
Offsetting positions for de-designated hedges	Derivative assets		-		1,977
		$	21,761	$	23,423

Customer derivative positions	Derivative liabilities	$	5,825	$	3,897
Dealer offsets to customer derivative positions	Derivative liabilities		3,345		5,328
Risk participations	Derivative liabilities		22		26
Mortgage banking - forward sales commitment	Derivative liabilities		320		96
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities		14,622		14,341
De-designated hedges	Derivative liabilities		355		1,980
		$	24,489	$	25,668

Schedule of effect of cash flow hedges on the consolidated statement of income

	Amount of Gain (Loss) Recognized in Other Comprehensive Income on Derivative (Effective Portion)				Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)							Gain (Loss) Recognized in Income on Derivative (Ineffective Portion)
	2017		2016		Location	2017			2016			Location	2017		2016

Three Months Ended March 31,

Interest rate swaps	$	-	$	-	Interest expense	$	(413	)	$	(500	)	Interest expense	$	-	$	-

Schedule of effect of cash flow hedges on the consolidated statement of income

	Location of Gain	Amount of Gain (Loss)						Amount of Gain (Loss)
	(Loss) Recognized	Recognized in Income						Recognized in Income
	in Income on	on Derivative						on Hedged Item
	Derivative	2017			2016			2017			2016

Three Months Ended March 31,
Fair value hedges of brokered CDs	Interest expense	$	(274	)	$	2,551		$	189		$	(1,800	)
Fair value hedges of corporate bonds	Interest revenue		106			(1,614	)		(146	)		1,501
		$	(168	)	$	937		$	43		$	(299	)

Schedule of gains and losses recognized in income on derivatives not designated as hedging instruments

	Location of Gain	Amount of Gain (Loss)
	(Loss) Recognized	Recognized in Income
	in Income on	on Derivative
	Derivative	2017		2016

Three Months Ended March 31,
Customer derivatives and dealer offsets	Other fee revenue	$	475	$	755
Bifurcated embedded derivatives and dealer offsets	Other fee revenue		63		(296	)
Mortgage banking derivatives	Mortgage loan revenue		124		-
Risk participations	Other fee revenue		4		-
		$	666	$	459

Stock-Based Compensation (Tables)

3 Months Ended

Mar. 31, 2017

Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]

Schedule of stock option activity

Options	Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)		Aggregate Intrinisic Value ($000)

Outstanding at December 31, 2016		72,665		$	34.34
Expired		(7,723	)		84.78
Outstanding at March 31, 2017		64,942			28.34		3.6	$	343

Exercisable at March 31, 2017		58,692			29.61		3.2		273

Schedule of restricted stock units activity

Restricted Stock Unit Awards	Shares			Weighted- Average Grant- Date Fair Value

Outstanding at December 31, 2016		690,970		$	18.60
Granted		6,391			28.70
Vested		(117,609	)		16.77
Cancelled		(3,917	)		19.44
Outstanding at March 31, 2017		575,835			19.08

Assets and Liabilities Measured at Fair Value (Tables)

3 Months Ended

Mar. 31, 2017

Fair Value [Abstract]

Schedule of assets and liabilities measured at fair value on a recurring basis

March 31, 2017	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale:
U.S. Treasuries	$	169,927	$	-	$	-	$	169,927
U.S. Agencies		-		25,829		-		25,829
State and political subdivisions		-		83,724		-		83,724
Mortgage-backed securities		-		1,380,360		-		1,380,360
Corporate bonds		-		305,856		675		306,531
Asset-backed securities		-		469,038		-		469,038
Other		-		1,182		-		1,182
Mortgage loans held for sale		-		15,845		-		15,845
Deferred compensation plan assets		4,900		-		-		4,900
Servicing rights for government guaranteed loans		-		-		5,997		5,997
Residential mortgage servicing rights		-		-		5,971		5,971
Derivative financial instruments		-		9,482		12,649		22,131

Total assets	$	174,827	$	2,291,316	$	25,292	$	2,491,435

Liabilities:
Deferred compensation plan liability	$	4,900	$	-	$	-	$	4,900
Derivative financial instruments		-		9,845		16,580		26,425

Total liabilities	$	4,900	$	9,845	$	16,580	$	31,325

December 31, 2016	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale
U.S. Treasuries	$	169,616	$	-	$	-	$	169,616
U.S. Agencies		-		20,820		-		20,820
State and political subdivisions		-		74,177		-		74,177
Mortgage-backed securities		-		1,391,682		-		1,391,682
Corporate bonds		-		304,717		675		305,392
Asset-backed securities		-		469,569		-		469,569
Other		-		1,182		-		1,182
Mortgage loans held for sale		-		27,891		-		27,891
Deferred compensation plan assets		4,161		-		-		4,161
Servicing rights for government guaranteed loans		-		-		5,752		5,752
Derivative financial instruments		-		11,911		11,777		23,688

Total assets	$	173,777	$	2,301,949	$	18,204	$	2,493,930

Liabilities:
Deferred compensation plan liability	$	4,161	$	-	$	-	$	4,161
Derivative financial instruments		-		11,301		16,347		27,648

Total liabilities	$	4,161	$	11,301	$	16,347	$	31,809

Schedule of assets measured at fair value on a recurring basis using significant unobservable inputs

	Derivative Asset			Derivative Liability			Servicing rights for government guaranteed loans			Residential mortgage servicing rights			Securities Available- for-Sale
Three Months Ended March 31, 2017
Balance at beginning of period	$	11,777		$	16,347		$	5,752		$	-		$	675
Transfer from amortization method to fair value		-			-			-			5,070			-
Additions		-			-			553			866			-
Sales and settlements		(384	)		(550	)		(263	)		(40	)		-
Amounts included in earnings - fair value adjustments		1,256			783			(45	)		75			-
Balance at end of period	$	12,649		$	16,580		$	5,997		$	5,971		$	675


Three Months Ended March 31, 2016
Balance at beginning of period	$	9,418		$	15,794		$	3,712		$	-		$	750
Additions		-			-			299			-			-
Sales and settlements		-			-			(98	)		-			-
Other comprehensive income		-			-			-			-			(100	)
Amounts included in earnings - fair value adjustments		(5,503	)		(5,643	)		(15	)		-			-
Balance at end of period	$	3,915		$	10,151		$	3,898		$	-		$	650

Schedule of quantitative information about Level 3 fair value measurements for fair value on a recurring basis

	Fair Value						Weighted Average
Level 3 Assets	March 31,		December 31,		Valuation		March 31,			December 31,
and Liabilities	2017		2016		Technique	Unobservable Inputs	2017			2016

Servicing rights for government guaranteed loans	$	5,997	$	5,752	Discounted cash flow	Discount rate		11.6	%		11.0	%
						Prepayment rate		7.43	%		7.12	%

Residential mortgage servicing rights		5,971		-	Discounted cash flow	Discount rate		10.0	%		N/A
						Prepayment rate		9.40	%		N/A

Corporate bonds		675		675	Indicative bid provided by a broker	Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the company		N/A			N/A

Derivative assets - mortgage		1,915		1,552	Internal model	Pull through rate		80	%		80	%

Derivative assets - other		10,734		10,225	Dealer priced	Dealer priced		N/A			N/A

Derivative liabilities - risk participations		22		26	Internal model	Probable exposure rate		0.35	%		0.35	%
						Probability of default rate		1.80	%		1.80	%

Derivative liabilities - other		16,558		16,321	Dealer priced	Dealer priced		N/A			N/A

Schedule of presentation of united's assets and liabilities measured at fair value on nonrecurring basis

March 31, 2017	Level 1		Level 2		Level 3		Total
Loans	$	-	$	-	$	3,749	$	3,749

December 31, 2016
Loans	$	-	$	-	$	7,179	$	7,179

Schedule of carrying amount and fair values for other financial instruments that are not measured at fair value on a recurring basis

	Carrying		Fair Value Level
March 31, 2017	Amount		Level 1		Level 2		Level 3		Total
Assets:
Securities held to maturity	$	329,992	$	-	$	333,032	$	-	$	333,032
Loans, net		6,904,447		-		-		6,851,143		6,851,143
Mortgage loans held for sale		646		-		656		-		656

Liabilities:
Deposits		8,752,092		-		8,752,884		-		8,752,884
Federal Home Loan Bank advances		569,138		-		569,054		-		569,054
Long-term debt		175,238		-		-		175,786		175,786

December 31, 2016
Assets:
Securities held to maturity	$	329,843	$	-	$	333,170	$	-	$	333,170
Loans, net		6,859,214		-		-		6,824,229		6,824,229
Mortgage loans held for sale		1,987		-		2,018		-		2,018
Residential mortgage servicing rights		4,372		-		-		5,175		5,175

Liabilities:
Deposits		8,637,558		-		8,635,811		-		8,635,811
Federal Home Loan Bank advances		709,209		-		709,174		-		709,174
Long-term debt		175,078		-		-		175,750		175,750

Commitments and Contingencies (Tables)

3 Months Ended

Mar. 31, 2017

Commitments and Contingencies Disclosure [Abstract]

Schedule of contractual amount of off-balance sheet instruments

	March 31,		December 31,
	2017		2016
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	1,605,663	$	1,542,186
Letters of credit		28,499		26,862

Accounting Policies (Details Textuals)	3 Months Ended
Accounting Policies (Details Textuals)	Mar. 31, 2017 USD ($)
Accounting Policies [Abstract]
Cumulative effect adjustment to retained earnings, net of income tax effect	$ 437,000

Accounting Standards Updates and Recently Adopted Standards (Details Textuals) $ in Millions	Dec. 31, 2016 USD ($)
Accounting Standards Updates [Abstract]
Present value of future minimum lease payments	$ 29.1

Balance Sheet Offsetting - Summary of amounts outstanding under master netting agreements (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Offsetting [Abstract]
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized assets	$ 200,000	$ 150,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on balance sheet assets	(200,000)	(150,000)
Repurchase agreements / reverse repurchase agreements, net assets balance
Repurchase agreements / reverse repurchase agreements, gross amounts not off set in balance sheet assets of financial instruments
Repurchase agreements / reverse repurchase agreements, gross amounts not off set in balance sheet assets of collateral received
Repurchase agreements / reverse repurchase agreements, net amount
Derivatives, gross amounts of recognized assets	22,131	23,688
Derivatives, gross amounts offset on the balance sheet
Derivatives, net asset balance	22,131	23,688
Derivatives, gross amounts not off set in balance sheet assets of financial instruments	(2,777)	(3,485)
Derivative, gross amounts not off set in balance sheet assets of collateral received	(2,369)	(3,366)
Derivatives, net amount	16,985	16,837
Offsetting assets gross amounts offset on balance sheet	222,131	173,688
Offsetting assets, gross amounts offset on balance sheet	(200,000)	(150,000)
Offsetting assets, net asset balance	22,131	23,688
Offsetting assets, gross amounts not offset in balance sheet of financial instruments	(2,777)	(3,485)
Offsetting assets, gross amounts not offset in the balance sheet of collateral received	(2,369)	(3,366)
Offsetting assets, net amount	$ 16,985	$ 16,837
Weighted average interest rate of reverse repurchase agreements, assets	1.79%	1.78%
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized liabilities	$ 200,000	$ 150,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on balance sheet liabilities	(200,000)	(150,000)
Repurchase agreements / reverse repurchase agreements, net liabilities balance
Repurchase agreements / reverse repurchase agreements, gross amounts not off set in balance sheet liabilities of financial instruments
Repurchase agreements / reverse repurchase agreements, gross amounts not off set in balance sheet liabilities of collateral pledged
Repurchase agreements / reverse repurchase agreements, net amount
Derivatives, gross amounts of recognized liabilities	26,425	27,648
Derivatives, gross amounts offset on balance sheet liabilities
Derivatives, net liabilities balance	26,425	27,648
Derivatives, gross amounts not off set in balance sheet liabilities of financial instruments	(2,777)	(3,485)
Derivatives, gross amounts not off set in balance sheet liabilities of collateral pledged	(18,853)	(18,505)
Derivatives, net amount	4,795	5,658
Offsetting liabilities, gross amounts of recognized liabilities	226,425	177,648
Offsetting liabilities, gross amounts offset on balance sheet	(200,000)	(150,000)
Offsetting liabilities, net liabilities balance	26,425	27,648
Offsetting liabilities, gross amounts not offset in balance sheet of financial instruments	(2,777)	(3,485)
Offsetting liabilities, gross amounts not offset in the balance sheet of collateral pledged	(18,853)	(18,505)
Offsetting liabilities, net amount	$ 4,795	$ 5,658
Weighted average interest rate of reverse repurchase agreements, liabilities	0.95%	0.88%

Balance Sheet Offsetting (Details 1) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	$ 200,000	$ 150,000
Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure	200,000	150,000
Amounts related to agreements not included in offsetting disclosure
Overnight and Continuous
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements
Up to 30 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements
30 to 90 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	100,000	50,000
91 to 110 days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	100,000	100,000
Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	200,000	150,000
Mortgage-backed securities \| Overnight and Continuous
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements
Mortgage-backed securities \| Up to 30 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements
Mortgage-backed securities \| 30 to 90 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	100,000	50,000
Mortgage-backed securities \| 91 to 110 days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	$ 100,000	$ 100,000

Balance Sheet Offsetting (Details Textuals) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Offsetting [Abstract]
Right to reclaim cash collateral	$ 18,900	$ 18,500
Obligation to return cash collateral	$ 2,370	$ 3,370

Securities - Amortized cost, gross unrealized gains and losses and fair value of securities held to maturity (Details) - USD ($)
$ in Thousands

Mar. 31, 2017

Dec. 31, 2016

Held-to-maturity securities:

Amortized Cost

$ 329,992

$ 329,843

Gross Unrealized Gains

6,005

6,232

Gross Unrealized Losses

2,965

2,905

Fair value

333,032

333,170

State and political subdivisions

Held-to-maturity securities:

Amortized Cost

56,625

57,134

Gross Unrealized Gains

2,230

2,197

Gross Unrealized Losses

221

249

Fair value

58,634

59,082

Mortgage-backed securities

Held-to-maturity securities:

Amortized Cost

^[1]

273,367

272,709

Gross Unrealized Gains

^[1]

3,775

4,035

Gross Unrealized Losses

^[1]

2,744

2,656

Fair value

^[1]

$ 274,398

$ 274,088

[1]	All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Securities - Cost basis, unrealized gains and losses, and fair value of securities available for sale (Details 1) - USD ($)
$ in Thousands

Mar. 31, 2017

Dec. 31, 2016

Investment securities available for sale:

Amortized Cost

$ 2,437,907

$ 2,440,151

Gross Unrealized Gains

13,898

12,515

Gross Unrealized Losses

15,214

20,228

Fair Value

2,436,591

2,432,438

U.S. Treasuries

Investment securities available for sale:

Amortized Cost

170,328

170,360

Gross Unrealized Gains

Gross Unrealized Losses

476

764

Fair Value

169,927

169,616

U.S. Government agencies

Investment securities available for sale:

Amortized Cost

25,580

21,053

Gross Unrealized Gains

279

Gross Unrealized Losses

239

Fair Value

25,829

20,820

State and political subdivisions

Investment securities available for sale:

Amortized Cost

83,761

74,555

Gross Unrealized Gains

174

176

Gross Unrealized Losses

211

554

Fair Value

83,724

74,177

Mortgage-backed securities

Investment securities available for sale:

Amortized Cost

^[1]

1,383,498

1,397,435

Gross Unrealized Gains

^[1]

9,291

8,924

Gross Unrealized Losses

^[1]

12,429

14,677

Fair Value

^[1]

1,380,360

1,391,682

Corporate bonds

Investment securities available for sale:

Amortized Cost

306,405

306,824

Gross Unrealized Gains

1,296

591

Gross Unrealized Losses

1,170

2,023

Fair Value

306,531

305,392

Asset-backed securities

Investment securities available for sale:

Amortized Cost

467,153

468,742

Gross Unrealized Gains

2,783

2,798

Gross Unrealized Losses

898

1,971

Fair Value

469,038

469,569

Other

Investment securities available for sale:

Amortized Cost

1,182

Gross Unrealized Gains

Gross Unrealized Losses

Fair Value

$ 1,182

[1]	All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Securities - Summary of held to maturity securities in unrealized loss position (Details 2) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 162,706	$ 136,523
Unrealized Loss, Less than 12 Months	2,965	2,905
Fair Value, 12 Months or More
Unrealized Loss, 12 Months or More
Fair Value, Total	162,706	136,523
Unrealized Loss, Total	2,965	2,905
State and political subdivisions
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	16,426	18,359
Unrealized Loss, Less than 12 Months	221	249
Fair Value, 12 Months or More
Unrealized Loss, 12 Months or More
Fair Value, Total	16,426	18,359
Unrealized Loss, Total	221	249
Mortgage-backed securities
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	146,280	118,164
Unrealized Loss, Less than 12 Months	2,744	2,656
Fair Value, 12 Months or More
Unrealized Loss, 12 Months or More
Fair Value, Total	146,280	118,164
Unrealized Loss, Total	$ 2,744	$ 2,656

Securities - Summary of available for sale securities in unrealized loss position (Details 3) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 1,097,590	$ 1,320,363
Unrealized Loss, Less than 12 Months	13,681	17,646
Fair Value, 12 Months or More	115,661	157,191
Unrealized Loss, 12 Months or More	1,533	2,582
Fair Value, Total	1,213,251	1,477,554
Unrealized Loss, Total	15,214	20,228
U.S. Treasuries
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	145,454	145,229
Unrealized Loss, Less than 12 Months	476	764
Fair Value, 12 Months or More
Unrealized Loss, 12 Months or More
Fair Value, Total	145,454	145,229
Unrealized Loss, Total	476	764
U.S. Government agencies
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	1,796	19,685
Unrealized Loss, Less than 12 Months	30	239
Fair Value, 12 Months or More
Unrealized Loss, 12 Months or More
Fair Value, Total	1,796	19,685
Unrealized Loss, Total	30	239
State and political subdivisions
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	49,383	61,782
Unrealized Loss, Less than 12 Months	210	554
Fair Value, 12 Months or More	1,136
Unrealized Loss, 12 Months or More	1
Fair Value, Total	50,519	61,782
Unrealized Loss, Total	211	554
Mortgage-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	742,558	810,686
Unrealized Loss, Less than 12 Months	11,704	13,952
Fair Value, 12 Months or More	47,837	26,279
Unrealized Loss, 12 Months or More	725	725
Fair Value, Total	790,395	836,965
Unrealized Loss, Total	12,429	14,677
Corporate bonds
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	50,485	228,504
Unrealized Loss, Less than 12 Months	793	1,597
Fair Value, 12 Months or More	15,623	15,574
Unrealized Loss, 12 Months or More	377	426
Fair Value, Total	66,108	244,078
Unrealized Loss, Total	1,170	2,023
Asset-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	107,914	54,477
Unrealized Loss, Less than 12 Months	468	540
Fair Value, 12 Months or More	51,065	115,338
Unrealized Loss, 12 Months or More	430	1,431
Fair Value, Total	158,979	169,815
Unrealized Loss, Total	$ 898	$ 1,971

Securities - Summary of securities sales activity (Details 4) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Investment Securities [Abstract]
Proceeds from sales	$ 24,197	$ 61,305
Gross gains on sales	98	673
Gross losses on sales	(100)	(294)
Net (losses) gains on sales of securities	(2)	379
Income tax (benefit) expense attributable to sales	$ (1)	$ 141

Securities - Amortized cost and fair value of held to maturity and available for sale securities (Details 5) - USD ($)
$ in Thousands

Mar. 31, 2017

Dec. 31, 2016

Available for Sale - Amortized Cost and Fair Value

Amortized Cost

$ 2,437,907

$ 2,440,151

Fair Value

2,436,591

2,432,438

Held to Maturity - Amortized Cost and Fair Value

Amortized Cost

329,992

329,843

Fair value

333,032

333,170

U.S. Treasuries

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, 1 to 5 years

140,425

Available-for-Sale, Fair Value, 1 to 5 years

140,267

Available-for-Sale, Amortized Cost, 5 to 10 years

29,903

Available-for-Sale, Fair Value, 5 to 10 years

29,660

Amortized Cost

170,328

170,360

Fair Value

169,927

169,616

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, 1 to 5 years

Held-to-Maturity, Fair Value, 1 to 5 years

Held-to-Maturity, Amortized Cost, 5 to 10 years

Held-to-Maturity, Fair Value, 5 to 10 years

Amortized Cost

Fair value

U.S. Government agencies

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, 1 to 5 years

2,114

Available-for-Sale, Fair Value, 1 to 5 years

2,121

Available-for-Sale, Amortized Cost, 5 to 10 years

17,868

Available-for-Sale, Fair Value, 5 to 10 years

17,972

Available-for-Sale, Amortized Cost, More than 10 years

5,598

Available-for-Sale, Fair Value, More than 10 years

5,736

Amortized Cost

25,580

21,053

Fair Value

25,829

20,820

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, 1 to 5 years

Held-to-Maturity, Fair Value, 1 to 5 years

Held-to-Maturity, Amortized Cost, 5 to 10 years

Held-to-Maturity, Fair Value, 5 to 10 years

Held-to-Maturity, Amortized Cost, More than 10 years

Held-to-Maturity, Fair Value, More than 10 years

Amortized Cost

Fair value

State and political subdivisions

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, Within 1 year

535

Available-for-Sale, Fair Value, Within 1 year

537

Available-for-Sale, Amortized Cost, 1 to 5 years

30,558

Available-for-Sale, Fair Value, 1 to 5 years

30,591

Available-for-Sale, Amortized Cost, 5 to 10 years

23,538

Available-for-Sale, Fair Value, 5 to 10 years

23,457

Available-for-Sale, Amortized Cost, More than 10 years

29,130

Available-for-Sale, Fair Value, More than 10 years

29,139

Amortized Cost

83,761

74,555

Fair Value

83,724

74,177

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, Within 1 year

5,239

Held-to-Maturity, Fair Value, Within 1 year

5,280

Held-to-Maturity, Amortized Cost, 1 to 5 years

15,754

Held-to-Maturity, Fair Value, 1 to 5 years

16,423

Held-to-Maturity, Amortized Cost, 5 to 10 years

18,535

Held-to-Maturity, Fair Value, 5 to 10 years

20,054

Held-to-Maturity, Amortized Cost, More than 10 years

17,097

Held-to-Maturity, Fair Value, More than 10 years

16,877

Amortized Cost

56,625

Fair value

58,634

Corporate bonds

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, 1 to 5 years

258,929

Available-for-Sale, Fair Value, 1 to 5 years

259,852

Available-for-Sale, Amortized Cost, 5 to 10 years

46,476

Available-for-Sale, Fair Value, 5 to 10 years

46,004

Available-for-Sale, Amortized Cost, More than 10 years

1,000

Available-for-Sale, Fair Value, More than 10 years

675

Amortized Cost

306,405

306,824

Fair Value

306,531

305,392

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, 1 to 5 years

Held-to-Maturity, Fair Value, 1 to 5 years

Held-to-Maturity, Amortized Cost, 5 to 10 years

Held-to-Maturity, Fair Value, 5 to 10 years

Held-to-Maturity, Amortized Cost, More than 10 years

Held-to-Maturity, Fair Value, More than 10 years

Amortized Cost

Fair value

Asset-backed securities

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, 1 to 5 years

19,392

Available-for-Sale, Fair Value, 1 to 5 years

19,740

Available-for-Sale, Amortized Cost, 5 to 10 years

336,844

Available-for-Sale, Fair Value, 5 to 10 years

338,349

Available-for-Sale, Amortized Cost, More than 10 years

110,917

Available-for-Sale, Fair Value, More than 10 years

110,949

Amortized Cost

467,153

468,742

Fair Value

469,038

469,569

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, 1 to 5 years

Held-to-Maturity, Fair Value, 1 to 5 years

Held-to-Maturity, Amortized Cost, 5 to 10 years

Held-to-Maturity, Fair Value, 5 to 10 years

Held-to-Maturity, Amortized Cost, More than 10 years

Held-to-Maturity, Fair Value, More than 10 years

Amortized Cost

Fair value

Other

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, More than 10 years

1,182

Available-for-Sale, Fair Value, More than 10 years

1,182

Amortized Cost

1,182

Fair Value

1,182

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, More than 10 years

Held-to-Maturity, Fair Value, More than 10 years

Amortized Cost

Fair value

Total securities other than mortgage-backed securities

Available for Sale - Amortized Cost and Fair Value

Available-for-Sale, Amortized Cost, Within 1 year

535

Available-for-Sale, Fair Value, Within 1 year

537

Available-for-Sale, Amortized Cost, 1 to 5 years

451,418

Available-for-Sale, Fair Value, 1 to 5 years

452,571

Available-for-Sale, Amortized Cost, 5 to 10 years

454,629

Available-for-Sale, Fair Value, 5 to 10 years

455,442

Available-for-Sale, Amortized Cost, More than 10 years

147,827

Available-for-Sale, Fair Value, More than 10 years

147,681

Held to Maturity - Amortized Cost and Fair Value

Held-to-Maturity, Amortized Cost, Within 1 year

5,239

Held-to-Maturity, Fair Value, Within 1 year

5,280

Held-to-Maturity, Amortized Cost, 1 to 5 years

15,754

Held-to-Maturity, Fair Value, 1 to 5 years

16,423

Held-to-Maturity, Amortized Cost, 5 to 10 years

18,535

Held-to-Maturity, Fair Value, 5 to 10 years

20,054

Held-to-Maturity, Amortized Cost, More than 10 years

17,097

Held-to-Maturity, Fair Value, More than 10 years

16,877

Mortgage-backed securities

Available for Sale - Amortized Cost and Fair Value

Amortized Cost

^[1]

1,383,498

1,397,435

Fair Value

^[1]

1,380,360

$ 1,391,682

Held to Maturity - Amortized Cost and Fair Value

Amortized Cost

273,367

Fair value

$ 274,398

[1]	All are residential type mortgage-backed securities or U.S. government agency commercial mortgage backed securities.

Securities (Detail Textuals) $ in Millions	Mar. 31, 2017 USD ($) Security	Dec. 31, 2016 USD ($)
Investment Securities [Abstract]
Carrying value of secure public deposits, FHLB advances and other secured borrowings \| $	$ 1,400	$ 1,450
Number of available for sale securities in unrealized loss position	150
Number of held to maturity securities in unrealized loss position	43

Loans and Allowance for Credit Losses - Major classifications of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Classifications of loans
Total loans	$ 6,964,990	$ 6,920,636
Less allowance for loan losses	(60,543)	(61,422)
Loans, net	6,904,447	6,859,214
Loans Receivable
Classifications of loans
Total loans	6,964,990	6,920,636
Less allowance for loan losses	(60,543)	(61,422)
Loans, net	6,904,447	6,859,214
Loans Receivable \| Home equity lines of credit
Classifications of loans
Total loans	659,041	655,410
Loans Receivable \| Indirect auto
Classifications of loans
Total loans	460,201	459,354
Loans Receivable \| Commercial
Classifications of loans
Total loans	4,676,848	4,635,537
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Classifications of loans
Total loans	1,633,450	1,650,360
Loans Receivable \| Commercial \| Income producing commercial real estate
Classifications of loans
Total loans	1,296,700	1,281,541
Loans Receivable \| Commercial \| Construction
Classifications of loans
Total loans	666,861	633,921
Loans Receivable \| Commercial \| Commercial & industrial
Classifications of loans
Total loans	1,079,837	1,069,715
Loans Receivable \| Residential \| Residential mortgage
Classifications of loans
Total loans	859,796	856,725
Loans Receivable \| Residential \| Construction
Classifications of loans
Total loans	196,643	190,043
Loans Receivable \| Consumer installment
Classifications of loans
Total loans	$ 112,461	$ 123,567

Loans and Allowance for Credit Losses - Changes in the value of the accretable yield for acquired loans (Details 1) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at beginning of period	$ 7,981	$ 4,279
Accretion	(1,690)	(1,315)
Reclassification from nonaccretable difference	889	646
Changes in expected cash flows that do not affect nonaccretable difference	582	534
Balance at end of period	$ 7,762	$ 4,144

Loans and Allowance for Credit Losses - Balance and activity in allowance for loan losses by portfolio segment and recorded investment in loans by portfolio segment (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	$ 63,424	$ 70,990
Charge-Offs	(3,215)	(3,153)
Recoveries	1,536	1,015
(Release) Provision	800	(200)
Ending Balance	62,545	68,652
Allowance for unfunded commitments
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,002	2,542
Charge-Offs
Recoveries
(Release) Provision		(200)
Ending Balance	2,002	2,342
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	61,422	68,448
Charge-Offs	(3,215)	(3,153)
Recoveries	1,536	1,015
(Release) Provision	800	0
Ending Balance	60,543	66,310
Loans Receivable \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,599	5,956
Charge-Offs	(471)	(723)
Recoveries	49	91
(Release) Provision	353	607
Ending Balance	4,530	5,931
Loans Receivable \| Indirect auto
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,802	1,393
Charge-Offs	(420)	(233)
Recoveries	55	31
(Release) Provision	567	137
Ending Balance	2,004	1,328
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	16,446	18,016
Charge-Offs	(25)	(599)
Recoveries	237	121
(Release) Provision	(989)	452
Ending Balance	15,669	17,990
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	8,843	11,548
Charge-Offs	(897)	(277)
Recoveries	27	103
(Release) Provision	905	(2,412)
Ending Balance	8,878	8,962
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	13,405	9,553
Charge-Offs	(202)	(287)
Recoveries	572	120
(Release) Provision	(985)	3,827
Ending Balance	12,790	13,213
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,810	4,433
Charge-Offs	(216)	(572)
Recoveries	368	289
(Release) Provision	(237)	(1,001)
Ending Balance	3,725	3,149
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	8,545	12,719
Charge-Offs	(542)	(96)
Recoveries	12	11
(Release) Provision	1,056	(2,434)
Ending Balance	9,071	10,200
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,264	4,002
Charge-Offs		(59)
Recoveries	9	43
(Release) Provision	(6)	778
Ending Balance	3,267	4,764
Loans Receivable \| Consumer installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	708	828
Charge-Offs	(442)	(307)
Recoveries	207	206
(Release) Provision	136	46
Ending Balance	$ 609	$ 773

Loans and Allowance for Credit Losses - Recorded investment in loans by portfolio segment and the balance of the allowance for loan losses (Details 3) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Collectively evaluated for impairment	$ 58,845	$ 59,881
Allowance for Loan Losses, PCI	7	91
Allowance for Loan Losses, Ending balance	62,545	63,424	$ 68,652	$ 70,990
Loans Outstanding, Ending Balance	6,964,990	6,920,636
Allowance for unfunded commitments
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment
Allowance for Loan Losses, Collectively evaluated for impairment	2,002	2,002
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	2,002	2,002	2,342	2,542
Loans Receivable
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	3,693	3,452
Allowance for Loan Losses, Collectively evaluated for impairment	56,843	57,879
Allowance for Loan Losses, PCI	7	91
Allowance for Loan Losses, Ending balance	60,543	61,422	66,310	68,448
Loans Outstanding, Individually evaluated for impairment	81,377	85,663
Loans Outstanding, Collectively evaluated for impairment	6,825,853	6,772,209
Loans Outstanding, PCI	57,760	62,764
Loans Outstanding, Ending Balance	6,964,990	6,920,636
Loans Receivable \| Home equity lines of credit
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	2	2
Allowance for Loan Losses, Collectively evaluated for impairment	4,528	4,597
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	4,530	4,599	5,931	5,956
Loans Outstanding, Individually evaluated for impairment	63	63
Loans Outstanding, Collectively evaluated for impairment	657,015	653,337
Loans Outstanding, PCI	1,963	2,010
Loans Outstanding, Ending Balance	659,041	655,410
Loans Receivable \| Indirect auto
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment
Allowance for Loan Losses, Collectively evaluated for impairment	2,004	1,802
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	2,004	1,802	1,328	1,393
Loans Outstanding, Individually evaluated for impairment	1,055	1,165
Loans Outstanding, Collectively evaluated for impairment	459,146	458,189
Loans Outstanding, PCI
Loans Outstanding, Ending Balance	460,201	459,354
Loans Receivable \| Commercial
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	2,739	2,857
Loans Outstanding, PCI	49,232	53,267
Loans Outstanding, Ending Balance	4,676,848	4,635,537
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	1,607	1,746
Allowance for Loan Losses, Collectively evaluated for impairment	14,062	14,700
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	15,669	16,446	17,990	18,016
Loans Outstanding, Individually evaluated for impairment	29,699	31,421
Loans Outstanding, Collectively evaluated for impairment	1,586,060	1,600,355
Loans Outstanding, PCI	17,691	18,584
Loans Outstanding, Ending Balance	1,633,450	1,650,360
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	907	885
Allowance for Loan Losses, Collectively evaluated for impairment	7,971	7,919
Allowance for Loan Losses, PCI		39
Allowance for Loan Losses, Ending balance	8,878	8,843	8,962	11,548
Loans Outstanding, Individually evaluated for impairment	28,265	30,459
Loans Outstanding, Collectively evaluated for impairment	1,245,324	1,225,763
Loans Outstanding, PCI	23,111	25,319
Loans Outstanding, Ending Balance	1,296,700	1,281,541
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	171	168
Allowance for Loan Losses, Collectively evaluated for impairment	12,613	13,218
Allowance for Loan Losses, PCI	6	19
Allowance for Loan Losses, Ending balance	12,790	13,405	13,213	9,553
Loans Outstanding, Individually evaluated for impairment	4,907	5,050
Loans Outstanding, Collectively evaluated for impairment	654,284	620,543
Loans Outstanding, PCI	7,670	8,328
Loans Outstanding, Ending Balance	666,861	633,921
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	54	58
Allowance for Loan Losses, Collectively evaluated for impairment	3,671	3,752
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	3,725	3,810	3,149	4,433
Loans Outstanding, Individually evaluated for impairment	1,959	1,915
Loans Outstanding, Collectively evaluated for impairment	1,077,118	1,066,764
Loans Outstanding, PCI	760	1,036
Loans Outstanding, Ending Balance	1,079,837	1,069,715
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	875	517
Allowance for Loan Losses, Collectively evaluated for impairment	8,196	7,997
Allowance for Loan Losses, PCI		31
Allowance for Loan Losses, Ending balance	9,071	8,545	10,200	12,719
Loans Outstanding, Individually evaluated for impairment	13,549	13,706
Loans Outstanding, Collectively evaluated for impairment	840,373	836,624
Loans Outstanding, PCI	5,874	6,395
Loans Outstanding, Ending Balance	859,796	856,725
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	66	64
Allowance for Loan Losses, Collectively evaluated for impairment	3,200	3,198
Allowance for Loan Losses, PCI	1	2
Allowance for Loan Losses, Ending balance	3,267	3,264	4,764	4,002
Loans Outstanding, Individually evaluated for impairment	1,602	1,594
Loans Outstanding, Collectively evaluated for impairment	194,498	187,516
Loans Outstanding, PCI	543	933
Loans Outstanding, Ending Balance	196,643	190,043
Loans Receivable \| Consumer installment
Financing Receivable, Allowance For Credit Losses [Line Items]
Allowance for Loan Losses, Individually evaluated for impairment	11	12
Allowance for Loan Losses, Collectively evaluated for impairment	598	696
Allowance for Loan Losses, PCI
Allowance for Loan Losses, Ending balance	609	708	$ 773	$ 828
Loans Outstanding, Individually evaluated for impairment	278	290
Loans Outstanding, Collectively evaluated for impairment	112,035	123,118
Loans Outstanding, PCI	148	159
Loans Outstanding, Ending Balance	$ 112,461	$ 123,567

Loans and Allowance for Credit Losses - Loans individually evaluated for impairment by class of loans (Details 4) - Loans Receivable - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	$ 25,773	$ 29,096
Recorded Investment, With no related allowance recorded	25,077	28,309
Unpaid Principal Balance, With an allowance recorded	58,410	59,541
Recorded Investment, With allowance recorded	56,300	57,354
Allowance for loan losses allocated with allowance	3,693	3,452
Unpaid Principal Balance	84,183	88,637
Recorded Investment	81,377	85,663
Allowance for loan losses, Individually evaluated for impairment	3,693	3,452
Home equity lines of credit
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded
Recorded Investment, With no related allowance recorded
Unpaid Principal Balance, With an allowance recorded	63	63
Recorded Investment, With allowance recorded	63	63
Allowance for loan losses allocated with allowance	2	2
Allowance for loan losses, Individually evaluated for impairment	2	2
Indirect auto
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	1,055	1,165
Recorded Investment, With no related allowance recorded	1,055	1,165
Unpaid Principal Balance, With an allowance recorded
Recorded Investment, With allowance recorded
Allowance for loan losses allocated with allowance
Allowance for loan losses, Individually evaluated for impairment
Commercial
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	24,088	27,301
Recorded Investment, With no related allowance recorded	23,400	26,516
Unpaid Principal Balance, With an allowance recorded	42,682	43,673
Recorded Investment, With allowance recorded	41,430	42,329
Allowance for loan losses allocated with allowance	2,739	2,857
Allowance for loan losses, Individually evaluated for impairment	2,739	2,857
Commercial \| Owner occupied commercial real estate
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	7,335	9,171
Recorded Investment, With no related allowance recorded	6,839	8,477
Unpaid Principal Balance, With an allowance recorded	23,493	23,574
Recorded Investment, With allowance recorded	22,860	22,944
Allowance for loan losses allocated with allowance	1,607	1,746
Allowance for loan losses, Individually evaluated for impairment	1,607	1,746
Commercial \| Income producing commercial real estate
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	15,168	16,864
Recorded Investment, With no related allowance recorded	15,168	16,864
Unpaid Principal Balance, With an allowance recorded	13,187	13,681
Recorded Investment, With allowance recorded	13,097	13,681
Allowance for loan losses allocated with allowance	907	885
Allowance for loan losses, Individually evaluated for impairment	907	885
Commercial \| Construction
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	845	845
Recorded Investment, With no related allowance recorded	740	841
Unpaid Principal Balance, With an allowance recorded	4,596	4,739
Recorded Investment, With allowance recorded	4,167	4,209
Allowance for loan losses allocated with allowance	171	168
Allowance for loan losses, Individually evaluated for impairment	171	168
Commercial \| Commercial & industrial
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	740	421
Recorded Investment, With no related allowance recorded	653	334
Unpaid Principal Balance, With an allowance recorded	1,406	1,679
Recorded Investment, With allowance recorded	1,306	1,581
Allowance for loan losses allocated with allowance	54	58
Allowance for loan losses, Individually evaluated for impairment	54	58
Residential \| Residential mortgage
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded	630	630
Recorded Investment, With no related allowance recorded	622	628
Unpaid Principal Balance, With an allowance recorded	13,428	13,565
Recorded Investment, With allowance recorded	12,927	13,078
Allowance for loan losses allocated with allowance	875	517
Allowance for loan losses, Individually evaluated for impairment	875	517
Residential \| Construction
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded
Recorded Investment, With no related allowance recorded
Unpaid Principal Balance, With an allowance recorded	1,957	1,947
Recorded Investment, With allowance recorded	1,602	1,594
Allowance for loan losses allocated with allowance	66	64
Allowance for loan losses, Individually evaluated for impairment	66	64
Consumer installment
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance, With no related allowance recorded
Recorded Investment, With no related allowance recorded
Unpaid Principal Balance, With an allowance recorded	280	293
Recorded Investment, With allowance recorded	278	290
Allowance for loan losses allocated with allowance	11	12
Allowance for loan losses, Individually evaluated for impairment	$ 11	$ 12

Loans and Allowance for Credit Losses - Average balances of impaired loans and income recognized on impaired loans (Details 6) - Loans Receivable - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Average balances of impaired loans and income recognized on impaired loans
Average Balance	$ 81,907	$ 86,915
Interest Revenue Recognized During Impairment	957	1,058
Cash Basis Interest Revenue Received	949	1,084
Home equity lines of credit
Average balances of impaired loans and income recognized on impaired loans
Average Balance	63	63
Interest Revenue Recognized During Impairment	1	1
Cash Basis Interest Revenue Received	1	1
Indirect auto
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,122	784
Interest Revenue Recognized During Impairment	14	11
Cash Basis Interest Revenue Received	14	11
Commercial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	65,208	68,975
Interest Revenue Recognized During Impairment	776	863
Cash Basis Interest Revenue Received	762	896
Commercial \| Commercial & industrial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,939	2,385
Interest Revenue Recognized During Impairment	27	30
Cash Basis Interest Revenue Received	28	26
Commercial \| Owner occupied commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	29,858	33,696
Interest Revenue Recognized During Impairment	345	448
Cash Basis Interest Revenue Received	336	466
Commercial \| Income producing commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	28,410	27,402
Interest Revenue Recognized During Impairment	351	315
Cash Basis Interest Revenue Received	345	334
Commercial \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	5,001	5,492
Interest Revenue Recognized During Impairment	53	70
Cash Basis Interest Revenue Received	53	70
Residential \| Residential mortgage
Average balances of impaired loans and income recognized on impaired loans
Average Balance	13,608	15,334
Interest Revenue Recognized During Impairment	138	157
Cash Basis Interest Revenue Received	143	152
Residential \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,619	1,418
Interest Revenue Recognized During Impairment	23	20
Cash Basis Interest Revenue Received	23	17
Consumer installment
Average balances of impaired loans and income recognized on impaired loans
Average Balance	287	341
Interest Revenue Recognized During Impairment	5	6
Cash Basis Interest Revenue Received	$ 6	$ 7

Loans and Allowance for Credit Losses - Recorded investment in nonaccrual loans by loan class (Details 7) - Loans Receivable - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 19,812	$ 21,539
Home equity lines of credit
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,848	1,831
Indirect auto
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,317	1,275
Commercial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	9,673	11,201
Commercial \| Owner occupied commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	6,135	7,373
Commercial \| Income producing commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,540	1,324
Commercial \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,069	1,538
Commercial \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	929	966
Residential \| Residential mortgage
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	6,455	6,368
Residential \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	417	776
Consumer installment
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 102	$ 88

Loans and Allowance for Credit Losses - Aging of recorded investment in past due loans (Details 8) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Recorded investment in nonaccrual loans by loan class
Loans Outstanding, Ending Balance	$ 6,964,990	$ 6,920,636
Loans Receivable
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	28,064	30,061
Loans Not Past Due	6,879,166	6,827,811
Loans Outstanding, PCI	57,760	62,764
Loans Outstanding, Ending Balance	6,964,990	6,920,636
Loans Receivable \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	13,198	16,872
Loans Receivable \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	6,969	5,351
Loans Receivable \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	7,897	7,838
Loans Receivable \| Home equity lines of credit
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,687	3,054
Loans Not Past Due	655,391	650,346
Loans Outstanding, PCI	1,963	2,010
Loans Outstanding, Ending Balance	659,041	655,410
Loans Receivable \| Home equity lines of credit \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,182	1,996
Loans Receivable \| Home equity lines of credit \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	76	101
Loans Receivable \| Home equity lines of credit \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	429	957
Loans Receivable \| Indirect auto
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,810	2,319
Loans Not Past Due	458,391	457,035
Loans Outstanding, PCI
Loans Outstanding, Ending Balance	460,201	459,354
Loans Receivable \| Indirect auto \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	535	1,109
Loans Receivable \| Indirect auto \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	346	301
Loans Receivable \| Indirect auto \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	929	909
Loans Receivable \| Commercial
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	14,583	11,423
Loans Not Past Due	4,613,033	4,570,847
Loans Outstanding, PCI	49,232	53,267
Loans Outstanding, Ending Balance	4,676,848	4,635,537
Loans Receivable \| Commercial \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	3,045	1,362
Loans Not Past Due	1,076,032	1,067,317
Loans Outstanding, PCI	760	1,036
Loans Outstanding, Ending Balance	1,079,837	1,069,715
Loans Receivable \| Commercial \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	6,564	4,963
Loans Receivable \| Commercial \| Loans Past Due, 30 - 59 Days \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,928	943
Loans Receivable \| Commercial \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	3,515	2,274
Loans Receivable \| Commercial \| Loans Past Due, 60 - 89 Days \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,045	241
Loans Receivable \| Commercial \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	4,504	4,186
Loans Receivable \| Commercial \| Loans Past Due, > 90 Days \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	72	178
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	7,285	7,245
Loans Not Past Due	1,608,474	1,624,531
Loans Outstanding, PCI	17,691	18,584
Loans Outstanding, Ending Balance	1,633,450	1,650,360
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,947	2,195
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,472	1,664
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	3,866	3,386
Loans Receivable \| Commercial \| Income producing commercial real estate
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	2,472	2,058
Loans Not Past Due	1,271,117	1,254,164
Loans Outstanding, PCI	23,111	25,319
Loans Outstanding, Ending Balance	1,296,700	1,281,541
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,894	1,373
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	165	355
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	413	330
Loans Receivable \| Commercial \| Construction
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,781	758
Loans Not Past Due	657,410	624,835
Loans Outstanding, PCI	7,670	8,328
Loans Outstanding, Ending Balance	666,861	633,921
Loans Receivable \| Commercial \| Construction \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	795	452
Loans Receivable \| Commercial \| Construction \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	833	14
Loans Receivable \| Commercial \| Construction \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	153	292
Loans Receivable \| Residential \| Residential mortgage
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	8,688	10,720
Loans Not Past Due	845,234	839,610
Loans Outstanding, PCI	5,874	6,395
Loans Outstanding, Ending Balance	859,796	856,725
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	3,955	7,221
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	2,861	1,799
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	1,872	1,700
Loans Receivable \| Residential \| Construction
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	683	1,760
Loans Not Past Due	195,417	187,350
Loans Outstanding, PCI	543	933
Loans Outstanding, Ending Balance	196,643	190,043
Loans Receivable \| Residential \| Construction \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	541	950
Loans Receivable \| Residential \| Construction \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	22	759
Loans Receivable \| Residential \| Construction \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	120	51
Loans Receivable \| Consumer installment
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	613	785
Loans Not Past Due	111,700	122,623
Loans Outstanding, PCI	148	159
Loans Outstanding, Ending Balance	112,461	123,567
Loans Receivable \| Consumer installment \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	421	633
Loans Receivable \| Consumer installment \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	149	117
Loans Receivable \| Consumer installment \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans, Total Past Due	$ 43	$ 35

Loans and Allowance for Credit Losses (Detail Textuals) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Remaining accretable fair value mark on loans	$ 6,340,000		$ 7,140,000
Criteria amount for evaluation of impairment	500,000
Accruing substandard relationship	2,000,000
Gross additional interest income that would have been earned if the nonaccrual loans had performed as per original terms	277,000	$ 254,000
Specific reserves	3,160,000		2,900,000
FHLB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pledged as collateral to secure FHLB advances	3,620,000,000		3,330,000,000
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans	57,760,000		62,764,000
Unpaid principal balance of purchased credit impaired ("PCI") loans	80,800,000		87,900,000
Loans outstanding classified as troubled debt restructurings	77,000		95,000
Loans Receivable \| Indirect auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans
Remaining accretable fair value mark on loans	11,200,000		$ 11,400,000
Loan Purchased	$ 39,800,000	$ 67,300,000

Reclassifications Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains, net	$ (2)	$ 379
Money market deposit interest expense	(1,426)	(1,108)
Income tax benefit (expense)	18,478	13,578
Net of tax	23,524	22,274
Reclassifications Out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(3,968)	(452)
Reclassifications Out of Accumulated Other Comprehensive Income \| Realized (losses) gains on available-for-sale securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains, net	(2)	379
Income tax benefit (expense)	1	(141)
Net of tax	(1)	238
Reclassifications Out of Accumulated Other Comprehensive Income \| Amortization of losses included in net income on available-for-sale securities transferred to held to maturity
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Investment securities interest revenue	(310)	(464)
Income tax benefit (expense)	116	181
Net of tax	(194)	(283)
Reclassifications Out of Accumulated Other Comprehensive Income \| Gains included in net income on derivative financial instruments accounted for as cash flow hedges
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Deposits in banks and short-term investments interest revenue		(7)
Money market deposit interest expense	(149)	(191)
Federal Home Loan Bank advances interest expense	(264)	(302)
Total before tax	(413)	(500)
Income tax benefit (expense)	161	195
Net of tax	(252)	(305)
Reclassifications Out of Accumulated Other Comprehensive Income \| Reclassification of disproportionate tax effect related to terminated cash flow hedges
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax benefit (expense)	(3,400)
Reclassifications Out of Accumulated Other Comprehensive Income \| Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax	(200)	(167)
Income tax benefit (expense)	79	65
Net of tax	(121)	(102)
Reclassifications Out of Accumulated Other Comprehensive Income \| Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan \| Salaries and employee benefits expense
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Prior service cost	(140)	(125)
Actuarial losses	$ (60)	$ (42)

Earnings Per Share - Computation of basic and diluted earnings per share (Details 1) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Computation of basic and diluted loss per share
Net income available to common shareholders	$ 23,524	$ 22,274
Weighted average shares outstanding:
Basic (in shares)	71,700	72,162
Effect of dilutive securities
Stock options	8	4
Diluted (in shares)	71,708	72,166
Net income per common share:
Basic (in dollars per share)	$ 0.33	$ 0.31
Diluted (in dollars per share)	$ 0.33	$ 0.31

Earnings Per Share - Preferred stock dividends (Detail Textuals 1)	3 Months Ended
	Mar. 31, 2016 USD ($)
Accrued dividends on preferred stock, including accretion of discounts
Total preferred stock dividends	$ 21,000
Series H Preferred Stock
Accrued dividends on preferred stock, including accretion of discounts
Total preferred stock dividends	$ 21,000

Earnings Per Share (Detail Textuals 2) - $ / shares	3 Months Ended
Earnings Per Share (Detail Textuals 2) - $ / shares	Mar. 31, 2017	Mar. 31, 2016
Class of Stock [Line Items]
Number of common stock called by warrants	219,909	219,909
Exercise of price warrants	$ 61.40	$ 61.40
Employees
Class of Stock [Line Items]
Common shares issuable upon exercise of stock options granted	64,942	235,771
Weighted average exercise price of options exercised to issue common shares	$ 28.34	$ 89.61
Restricted Stock
Class of Stock [Line Items]
Vesting of restricted stock awards	575,835	597,240

Derivatives and Hedging Activities - Derivatives accounted for as hedges under ASC 815 (Details) - Fair value hedging - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, asset derivatives, fair value	$ 370	$ 265
Derivatives accounted for as hedges, liability derivatives, fair value	1,936	1,980
Derivative assets \| Corporate Bonds
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, asset derivatives, fair value	370	265
Derivative liabilities \| Brokered CD's
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, liability derivatives, fair value	$ 1,936	$ 1,980

Derivatives and Hedging Activities - Derivatives not designated as hedging instruments under ASC 815 (Details 1) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	$ 21,761	$ 23,423
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	24,489	25,668
Derivative assets \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	3,283	5,266
Derivative assets \| Dealer offsets to customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	5,825	3,869
Derivative assets \| Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	1,915	1,552
Derivative assets \| Mortgage banking - forward sales commitment
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	4	534
Derivative assets \| Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	10,734	10,225
Derivative assets \| Offsetting positions for de-designated cash flow hedges
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value		1,977
Derivative liabilities \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	5,825	3,897
Derivative liabilities \| Dealer offsets to customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	3,345	5,328
Derivative liabilities \| Risk participations
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	22	26
Derivative liabilities \| Mortgage banking - forward sales commitment
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	320	96
Derivative liabilities \| Dealer offsets to bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	14,622	14,341
Derivative liabilities \| De-designated cash flow hedges
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	$ 355	$ 1,980

Derivatives and Hedging Activities - Derivatives in Cash Flow Hedging Relationships (Details 2) - Cash flow hedging - Interest rate swaps - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income on Derivative (Effective Portion)
Interest expense
Derivative Instruments, Gain (Loss) [Line Items]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)	(413)	(500)
Gain (Loss) Recognized in Income on Derivative (Ineffective Portion)

Derivatives and Hedging Activities - Derivatives in Fair Value Hedging Relationships (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Effect of fair value hedging derivative financial instruments on the consolidated statement of operations
Amount of Gain (Loss) Recognized in Income on Derivative	$ (168)	$ 937
Amount of Gain (Loss) Recognized in Income on Hedged Item	43	(299)
Fair value hedging \| Interest expense \| Brokered CD's
Effect of fair value hedging derivative financial instruments on the consolidated statement of operations
Amount of Gain (Loss) Recognized in Income on Derivative	(274)	2,551
Amount of Gain (Loss) Recognized in Income on Hedged Item	189	(1,800)
Fair value hedging \| Interest revenue \| Corporate Bonds
Effect of fair value hedging derivative financial instruments on the consolidated statement of operations
Amount of Gain (Loss) Recognized in Income on Derivative	106	(1,614)
Amount of Gain (Loss) Recognized in Income on Hedged Item	$ (146)	$ 1,501

Derivatives and Hedging Activities - gains and losses recognized in income on derivatives not designated as hedging instrument(Details 4) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Derivative Instruments, Gain (Loss) [Line Items]
Total gains and losses	$ 666	$ 459
Customer derivatives and dealer offsets \| Other fee revenue
Derivative Instruments, Gain (Loss) [Line Items]
Total gains and losses	475	755
Bifurcated embedded derivatives and dealer offsets \| Other fee revenue
Derivative Instruments, Gain (Loss) [Line Items]
Total gains and losses	63	(296)
Mortgage banking derivatives \| Mortgage loan revenue
Derivative Instruments, Gain (Loss) [Line Items]
Total gains and losses	124
Risk participations \| Other fee revenue
Derivative Instruments, Gain (Loss) [Line Items]
Total gains and losses	$ 4

Derivatives and Hedging Activities (Detail Textuals) $ in Thousands	3 Months Ended
	Mar. 31, 2017 USD ($) Contract	Mar. 31, 2016 USD ($)	Dec. 31, 2016 USD ($) Contract
Derivative Instruments, Gain (Loss) [Line Items]
Collateral pledged toward derivatives	$ 18,900
Cash flow hedging \| Interest Rate Risk
Derivative Instruments, Gain (Loss) [Line Items]
Increase to deposit interest expense over next twelve months	625,000
Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Recognized net gain (loss) related to ineffectiveness of hedging relationships	$ (125,000)	$ 638,000
Fair value hedging of interest rate risk \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| Contract	4		1
Total notional amount designated as fair flow hedges	$ 40,700		$ 12,800
Fair value hedging of interest rate risk \| Pay fixed receive variable fair value hedge \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| Contract	1		1
Total notional amount designated as fair flow hedges	$ 30,000		$ 30,000
Interest expense \| Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Net reduction of interest expense/revenue	32,000	790,000
Interest revenue \| Fair value hedging of interest rate risk \| Corporate Bonds
Derivative Instruments, Gain (Loss) [Line Items]
Net reduction of interest expense/revenue	$ 93,000	$ 129,000

Stock-Based Compensation - Stock option activity (Details) - Stock Options $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2017 USD ($) $ / shares shares
Shares
Outstanding at December 31, 2016 \| shares	72,665
Expired \| shares	(7,723)
Outstanding at March 31, 2017 \| shares	64,942
Exercisable at March 31, 2017 \| shares	58,692
Weighted-Average Exercise Price
Outstanding at December 31, 2016 \| $ / shares	$ 34.34
Expired \| $ / shares	84.78
Outstanding at March 31, 2017 \| $ / shares	28.34
Exercisable at March 31, 2017 \| $ / shares	$ 29.61
Weighted-Average Remaining Contractual Term (Years), Outstanding	3 years 7 months 6 days
Weighted-Average Remaining Contractual Term (Years), Exercisable	3 years 2 months 12 days
Aggregate Intrinsic Value, Outstanding \| $	$ 343
Aggregate Intrinsic Value, Exercisable \| $	$ 273

Stock-Based Compensation - Restricted stock activity (Details 1) - Restricted Stock and Restricted Stock Unit	3 Months Ended
	Mar. 31, 2017 $ / shares shares
Shares
Outstanding at December 31, 2016 \| shares	690,970
Granted \| shares	6,391
Vested \| shares	(117,609)
Cancelled \| shares	(3,917)
Outstanding at March 31, 2017 \| shares	575,835
Weighted-Average Grant-Date Fair Value
Outstanding at December 31, 2016 \| $ / shares	$ 18.6
Granted \| $ / shares	28.7
Vested \| $ / shares	16.77
Cancelled \| $ / shares	19.44
Outstanding at March 31, 2017 \| $ / shares	$ 19.08

Stock-Based Compensation (Detail textuals) - USD ($) shares in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 7,000	$ 7,000
Restricted Stock and Restricted Stock Unit
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Plan vesting period	4 years
Plan exercisable period	10 years
Additional award granted under plan	2,180
Compensation expense	$ 1,260,000	898,000
Total intrinsic value	15,900,000
Unrecognized compensation cost of non-vested stock options and restricted stock unit awards	$ 8,590,000
Recognition period for unrecognized compensation cost related	2 years 7 months 24 days
Aggregate grant date fair value	$ 3,390,000
Other operating expense for restricted stock units granted	$ 52,000	$ 12,000

Common and Preferred Stock Issued / Common Stock Issuable (Detail Textuals) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016	Mar. 22, 2016
Common Stock Issued and Issuable and Preferred Stock Issued [Abstract]
Shares issued in connection with DRIP	904	736
Discount offered to employees under United has an Employee Stock Purchase Program (ESPP) to purchase shares of common stock	10.00%
Number of stock issued through ESPP	3,335	4,418
Common stock issuable shares under deferred compensation plan	546,511		519,874
Shares repurchased authorized amount				$ 50
Number of shares repurchased under the program	36,300,000

Income Taxes (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended
Income Taxes (Detail Textuals) - USD ($) $ in Thousands	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income tax expense	$ 18,478	$ 13,578
Income tax effective tax rate	44.00%	37.90%
Reverse of dedesignated cash flow hedges	$ 3,400
Valuation allowance on deferred tax assets	3,990		$ 3,880
Valuation allowance related to specific state income tax credits	3,990
Net deferred tax asset realized based upon future taxable income	139,000
Unrecognized income tax benefits	$ 4,000		$ 3,890

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on recurring basis (Details) - Recurring - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Level 1
Assets:
Total assets	$ 174,827	$ 173,777
Liabilities:
Total liabilities	4,900	4,161
Level 1 \| U.S. Treasury securities
Assets:
Total assets	169,927	169,616
Level 1 \| U.S. Government agencies
Assets:
Total assets
Level 1 \| State and political subdivisions
Assets:
Total assets
Level 1 \| Mortgage-backed securities
Assets:
Total assets
Level 1 \| Corporate bonds
Assets:
Total assets
Level 1 \| Asset-backed securities
Assets:
Total assets
Level 1 \| Other
Assets:
Total assets
Level 1 \| Mortgage loans held for sale
Assets:
Total assets
Level 1 \| Deferred compensation plan assets
Assets:
Total assets	4,900	4,161
Level 1 \| Servicing rights for government guaranteed loans
Assets:
Total assets
Level 1 \| Residential mortgage servicing rights
Assets:
Total assets
Level 1 \| Derivative financial instruments Assets
Assets:
Total assets
Level 1 \| Deferred compensation plan liability
Liabilities:
Total liabilities	4,900	4,161
Level 1 \| Derivative financial instruments Liabilities
Liabilities:
Total liabilities
Level 2
Assets:
Total assets	2,291,316	2,301,949
Liabilities:
Total liabilities	9,845	11,301
Level 2 \| U.S. Treasury securities
Assets:
Total assets
Level 2 \| U.S. Government agencies
Assets:
Total assets	25,829	20,820
Level 2 \| State and political subdivisions
Assets:
Total assets	83,724	74,177
Level 2 \| Mortgage-backed securities
Assets:
Total assets	1,380,360	1,391,682
Level 2 \| Corporate bonds
Assets:
Total assets	305,856	304,717
Level 2 \| Asset-backed securities
Assets:
Total assets	469,038	469,569
Level 2 \| Other
Assets:
Total assets	1,182	1,182
Level 2 \| Mortgage loans held for sale
Assets:
Total assets	15,845	27,891
Level 2 \| Deferred compensation plan assets
Assets:
Total assets
Level 2 \| Servicing rights for government guaranteed loans
Assets:
Total assets
Level 2 \| Residential mortgage servicing rights
Assets:
Total assets
Level 2 \| Derivative financial instruments Assets
Assets:
Total assets	9,482	11,911
Level 2 \| Deferred compensation plan liability
Liabilities:
Total liabilities
Level 2 \| Derivative financial instruments Liabilities
Liabilities:
Total liabilities	9,845	11,301
Level 3
Assets:
Total assets	25,292	18,204
Liabilities:
Total liabilities	16,580	16,347
Level 3 \| U.S. Treasury securities
Assets:
Total assets
Level 3 \| U.S. Government agencies
Assets:
Total assets
Level 3 \| State and political subdivisions
Assets:
Total assets
Level 3 \| Mortgage-backed securities
Assets:
Total assets
Level 3 \| Corporate bonds
Assets:
Total assets	675	675
Level 3 \| Asset-backed securities
Assets:
Total assets
Level 3 \| Other
Assets:
Total assets
Level 3 \| Mortgage loans held for sale
Assets:
Total assets
Level 3 \| Deferred compensation plan assets
Assets:
Total assets
Level 3 \| Servicing rights for government guaranteed loans
Assets:
Total assets	5,997	5,752
Level 3 \| Residential mortgage servicing rights
Assets:
Total assets	5,971
Level 3 \| Derivative financial instruments Assets
Assets:
Total assets	12,649	11,777
Level 3 \| Deferred compensation plan liability
Liabilities:
Total liabilities
Level 3 \| Derivative financial instruments Liabilities
Liabilities:
Total liabilities	16,580	16,347
Total
Assets:
Total assets	2,491,435	2,493,930
Liabilities:
Total liabilities	31,325	31,809
Total \| U.S. Treasury securities
Assets:
Total assets	169,927	169,616
Total \| U.S. Government agencies
Assets:
Total assets	25,829	20,820
Total \| State and political subdivisions
Assets:
Total assets	83,724	74,177
Total \| Mortgage-backed securities
Assets:
Total assets	1,380,360	1,391,682
Total \| Corporate bonds
Assets:
Total assets	306,531	305,392
Total \| Asset-backed securities
Assets:
Total assets	469,038	469,569
Total \| Other
Assets:
Total assets	1,182	1,182
Total \| Mortgage loans held for sale
Assets:
Total assets	15,845	27,891
Total \| Deferred compensation plan assets
Assets:
Total assets	4,900	4,161
Total \| Servicing rights for government guaranteed loans
Assets:
Total assets	5,997	5,752
Total \| Residential mortgage servicing rights
Assets:
Total assets	5,971
Total \| Derivative financial instruments Assets
Assets:
Total assets	22,131	23,688
Total \| Deferred compensation plan liability
Liabilities:
Total liabilities	4,900	4,161
Total \| Derivative financial instruments Liabilities
Liabilities:
Total liabilities	$ 26,425	$ 27,648

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value (Details 1) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Derivative Asset
Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	$ 11,777	$ 9,418
Transfer from amortization method to fair value
Additions
Sales and settlements	(384)
Other comprehensive income
Amounts included in earnings - fair value adjustments	1,256	(5,503)
Balance at end of period	12,649	3,915
Derivative Liability
Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	16,347	15,794
Transfer from amortization method to fair value
Additions
Sales and settlements	(550)
Other comprehensive income
Amounts included in earnings - fair value adjustments	783	(5,643)
Balance at end of period	16,580	10,151
Servicing rights for government guaranteed loans
Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	5,752	3,712
Transfer from amortization method to fair value
Additions	553	299
Sales and settlements	(263)	(98)
Other comprehensive income
Amounts included in earnings - fair value adjustments	(45)	(15)
Balance at end of period	5,997	3,898
Residential mortgage servicing rights
Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period
Transfer from amortization method to fair value	5,070
Additions	866
Sales and settlements	(40)
Other comprehensive income
Amounts included in earnings - fair value adjustments	75
Balance at end of period	5,971
Securities Available-for-Sale
Fair Value, Assets Measured On Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	675	750
Transfer from amortization method to fair value
Additions
Sales and settlements
Other comprehensive income		(100)
Amounts included in earnings - fair value adjustments
Balance at end of period	$ 675	$ 650

Assets and Liabilities Measured at Fair Value - Level 3 fair value measurements for fair value on recurring basis (Details 2) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 25,292	$ 18,204
Liabilities, fair value	16,580	16,347
Derivative assets - mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 1,915	$ 1,552
ValuationTechnique	Internal model	Internal model
Unobservable Inputs	Pull through rate	Pull through rate
Derivative assets - mortgage \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Pull through rate	80.00%	80.00%
Derivative assets - other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 10,225	$ 10,734
ValuationTechnique	Dealer priced	Dealer priced
Unobservable Inputs	Dealer priced	Dealer priced
Derivative liabilities - risk participations
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 22	$ 26
ValuationTechnique	Internal model	Internal model
Unobservable Inputs	Probable exposure rate Probability of default rate	Probable exposure rate Probability of default rate
Derivative liabilities - risk participations \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Probable exposure rate	0.35%	0.35%
Probability of default rate	1.80%	1.80%
Derivative liabilities - other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 16,558	$ 16,321
ValuationTechnique	Dealer priced	Dealer priced
Unobservable Inputs	Dealer priced	Dealer priced
Servicing rights for government guaranteed loans
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 5,997	$ 5,752
ValuationTechnique	Discounted cash flow	Discounted cash flow
Unobservable Inputs	Discount rate Prepayment rate	Discount rate Prepayment rate
Servicing rights for government guaranteed loans \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	11.60%	11.00%
Prepayment Rate	7.43%	7.12%
Residential mortgage servicing rights
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 5,971
ValuationTechnique	Discounted cash flow	Discounted cash flow
Unobservable Inputs	Discount rate Prepayment rate	Discount rate Prepayment rate
Residential mortgage servicing rights \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	10.00%
Prepayment Rate	9.40%
Corporate bonds
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total assets	$ 675	$ 675
ValuationTechnique	Indicative bid provided by a broker	Indicative bid provided by a broker
Unobservable Inputs	Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the company

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on nonrecurring basis (Details 3) - Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	3,749	7,179
Total
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 3,749	$ 7,179

Assets and Liabilities Measured at Fair Value - Fair values for other financial instruments that are not measured at fair value on recurring basis (Details 4) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Assets:
Securities held to maturity	$ 333,032	$ 333,170
Mortgage loans held for sale	15,845	27,891
Level 1
Assets:
Securities held to maturity
Loans, net
Mortgage loans held for sale
Residential mortgage servicing rights
Liabilities:
Deposits
Federal Home Loan Bank advances
Long-term debt
Level 2
Assets:
Securities held to maturity	333,032	333,170
Loans, net
Mortgage loans held for sale	656	2,018
Residential mortgage servicing rights
Liabilities:
Deposits	8,752,884	8,635,811
Federal Home Loan Bank advances	569,054	709,174
Long-term debt
Level 3
Assets:
Securities held to maturity
Loans, net	6,851,143	6,824,229
Mortgage loans held for sale
Residential mortgage servicing rights		5,175
Liabilities:
Deposits
Federal Home Loan Bank advances
Long-term debt	175,786	175,750
Carrying Amount
Assets:
Securities held to maturity	329,992	329,843
Loans, net	6,904,447	6,859,214
Mortgage loans held for sale	646	1,987
Residential mortgage servicing rights		4,372
Liabilities:
Deposits	8,752,092	8,637,558
Federal Home Loan Bank advances	569,138	709,209
Long-term debt	175,238	175,078
Total
Assets:
Securities held to maturity	333,032	333,170
Loans, net	6,851,143	6,824,229
Mortgage loans held for sale	656	2,018
Residential mortgage servicing rights		5,175
Liabilities:
Deposits	8,752,884	8,635,811
Federal Home Loan Bank advances	569,054	709,174
Long-term debt	$ 175,786	$ 175,750

Assets and Liabilities Measured at Fair Value (Detail Textual) - USD ($)	3 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Fair Value [Abstract]
Cumulative effect adjustment to retained earnings, net of income tax effect	$ 437,000
Mortgage loans held for sale	15,845,000	$ 27,891,000
Mortgage loans held for sale outstanding principal balance	15,300,000	$ 27,600,000
Changes in fair value of loans sale outstanding principal balance	$ 252,000
Percentage of written down in appraisal value of nonaccrual impaired loans	80.00%
Maximum remaining maturity of financial instruments having no defined maturity	180 days

Commitments and Contingencies - Contractual amount of off-balance sheet instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 1,605,663	$ 1,542,186
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 28,499	$ 26,862

Commitments and Contingencies (Detail Textuals)	Mar. 31, 2017 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Investment in limited partnerships	$ 3,580,000
Commitment for additional fund	$ 923,000

Subsequent Events (Detail Textuals) - HCSB - USD ($) $ / shares in Units, $ in Millions	1 Months Ended
	Apr. 19, 2017	Dec. 31, 2016
Subsequent Event [Line Items]
Total assets		$ 376
Loans		215
Deposits		$ 313
Subsequent event \| Merger agreement
Subsequent Event [Line Items]
Number of United common stock shares receive for each share of HCSB common stock	0.0050
Closing price per share	$ 26.70
Aggregate deal value	$ 66

Loans and Allowance for Credit Losses - Loans modified under terms of TDR (Details 5) - Loans Receivable $ in Thousands	3 Months Ended
	Mar. 31, 2017 USD ($) Contract	Mar. 31, 2016 USD ($) Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	10	13
Pre-Modification Outstanding Recorded Investment	$ 424	$ 1,731
Post Modification Outstanding Recorded Investment	$ 424	$ 1,695
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	2	1
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 655	$ 247
Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	40	414
Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	384	1,215
Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment		$ 66
Home equity lines of credit
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract
Pre-Modification Outstanding Recorded Investment
Post Modification Outstanding Recorded Investment
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Home equity lines of credit \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Home equity lines of credit \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Home equity lines of credit \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Indirect auto
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract
Pre-Modification Outstanding Recorded Investment
Post Modification Outstanding Recorded Investment
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Indirect auto \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Indirect auto \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Indirect auto \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	5
Pre-Modification Outstanding Recorded Investment	$ 25	$ 912
Post Modification Outstanding Recorded Investment	$ 25	$ 912
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract		1
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment		$ 247
Commercial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	25	846
Commercial \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment		$ 66
Commercial \| Owner occupied commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract		3
Pre-Modification Outstanding Recorded Investment		$ 649
Post Modification Outstanding Recorded Investment		$ 649
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract		1
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment		$ 247
Commercial \| Owner occupied commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment		649
Commercial \| Owner occupied commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Owner occupied commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Income producing commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract
Pre-Modification Outstanding Recorded Investment
Post Modification Outstanding Recorded Investment
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Commercial \| Income producing commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Income producing commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Income producing commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract		1
Pre-Modification Outstanding Recorded Investment		$ 66
Post Modification Outstanding Recorded Investment		$ 66
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Commercial \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment		$ 66
Commercial \| Commercial & industrial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	1
Pre-Modification Outstanding Recorded Investment	$ 25	$ 197
Post Modification Outstanding Recorded Investment	$ 25	$ 197
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Commercial \| Commercial & industrial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Commercial \| Commercial & industrial \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	25	197
Commercial \| Commercial & industrial \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Residential \| Residential mortgage
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	7	7
Pre-Modification Outstanding Recorded Investment	$ 353	$ 799
Post Modification Outstanding Recorded Investment	$ 353	$ 763
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 655
Residential \| Residential mortgage \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment		414
Residential \| Residential mortgage \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	353	349
Residential \| Residential mortgage \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Residential \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1
Pre-Modification Outstanding Recorded Investment	$ 40
Post Modification Outstanding Recorded Investment	$ 40
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Residential \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	40
Residential \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Residential \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Consumer installment
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	1
Pre-Modification Outstanding Recorded Investment	$ 6	$ 20
Post Modification Outstanding Recorded Investment	$ 6	$ 20
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment
Consumer installment \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment
Consumer installment \| Structure
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment	6	20
Consumer installment \| Other
Financing Receivable, Modifications [Line Items]
Post Modification Outstanding Recorded Investment

Loans and Allowance for Credit Losses - Risk category of loans by class of loans (Details 10) - Loans Receivable - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Risk category of loans by class of loans
Total loans, excluding PCI loans	$ 6,907,230	$ 6,857,872
Loans Outstanding, PCI	57,760	62,764
Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,753,824	6,708,474
Loans Outstanding, PCI	23,602	26,048
Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	45,493	36,885
Loans Outstanding, PCI	13,420	13,343
Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	107,913	112,513
Loans Outstanding, PCI	20,738	23,373
Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Home equity lines of credit
Risk category of loans by class of loans
Total loans, excluding PCI loans	657,078	653,400
Loans Outstanding, PCI	1,963	2,010
Home equity lines of credit \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	650,500	647,425
Loans Outstanding, PCI	904	1,094
Home equity lines of credit \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI	0
Home equity lines of credit \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,578	5,975
Loans Outstanding, PCI	1,059	916
Home equity lines of credit \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI	0
Indirect auto
Risk category of loans by class of loans
Total loans, excluding PCI loans	460,201	459,354
Loans Outstanding, PCI
Indirect auto \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	457,596	456,717
Loans Outstanding, PCI
Indirect auto \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Indirect auto \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	2,605	2,637
Loans Outstanding, PCI
Indirect auto \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Commercial
Risk category of loans by class of loans
Total loans, excluding PCI loans	4,627,616	4,582,270
Loans Outstanding, PCI	49,232	53,267
Commercial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	4,506,422	4,466,109
Loans Outstanding, PCI	17,225	18,708
Commercial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	45,493	36,885
Loans Outstanding, PCI	13,420	13,343
Commercial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	75,701	79,276
Loans Outstanding, PCI	18,587	21,216
Commercial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Commercial \| Owner occupied commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,615,759	1,631,776
Loans Outstanding, PCI	17,691	18,584
Commercial \| Owner occupied commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,557,667	1,577,301
Loans Outstanding, PCI	1,956	2,044
Commercial \| Owner occupied commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	22,799	18,029
Loans Outstanding, PCI	3,357	3,444
Commercial \| Owner occupied commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	35,293	36,446
Loans Outstanding, PCI	12,378	13,096
Commercial \| Owner occupied commercial real estate \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Commercial \| Income producing commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,273,589	1,256,222
Loans Outstanding, PCI	23,111	25,319
Commercial \| Income producing commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,236,410	1,220,626
Loans Outstanding, PCI	11,874	13,236
Commercial \| Income producing commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	13,793	8,502
Loans Outstanding, PCI	8,940	8,474
Commercial \| Income producing commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	23,386	27,094
Loans Outstanding, PCI	2,297	3,609
Commercial \| Income producing commercial real estate \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Commercial \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	659,191	625,593
Loans Outstanding, PCI	7,670	8,328
Commercial \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	647,400	612,900
Loans Outstanding, PCI	3,126	3,212
Commercial \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	5,746	6,166
Loans Outstanding, PCI	956	1,265
Commercial \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,045	6,527
Loans Outstanding, PCI	3,588	3,851
Commercial \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Commercial \| Commercial & industrial
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,079,077	1,068,679
Loans Outstanding, PCI	760	1,036
Commercial \| Commercial & industrial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,064,945	1,055,282
Loans Outstanding, PCI	269	216
Commercial \| Commercial & industrial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	3,155	4,188
Loans Outstanding, PCI	167	160
Commercial \| Commercial & industrial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	10,977	9,209
Loans Outstanding, PCI	324	660
Commercial \| Commercial & industrial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Residential \| Residential mortgage
Risk category of loans by class of loans
Total loans, excluding PCI loans	853,922	850,330
Loans Outstanding, PCI	5,874	6,395
Residential \| Residential mortgage \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	833,846	829,844
Loans Outstanding, PCI	4,863	5,189
Residential \| Residential mortgage \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Residential \| Residential mortgage \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	20,076	20,486
Loans Outstanding, PCI	1,011	1,206
Residential \| Residential mortgage \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Residential \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	196,100	189,110
Loans Outstanding, PCI	543	933
Residential \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	193,850	185,643
Loans Outstanding, PCI	518	898
Residential \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Residential \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	2,250	3,467
Loans Outstanding, PCI	25	35
Residential \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Consumer installment
Risk category of loans by class of loans
Total loans, excluding PCI loans	112,313	123,408
Loans Outstanding, PCI	148	159
Consumer installment \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	111,610	122,736
Loans Outstanding, PCI	92	159
Consumer installment \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI
Consumer installment \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	703	672
Loans Outstanding, PCI	56
Consumer installment \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans
Loans Outstanding, PCI