0000857855-18-000031 | 10-Q | XBRL Viewer | United Community Banks INC

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Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2018	Jul. 31, 2018
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		79,141,038
Document Type	10-Q
Document Period End Date	Jun. 30, 2018
Amendment Flag	false
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	Q2

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Interest revenue:
Loans, including fees	$ 103,492	$ 74,825	$ 199,961	$ 147,552
Investment securities, including tax exempt of $1,025 and $357, and $1,997 and $636	18,254	17,778	36,549	35,490
Deposits in banks and short-term investments	469	563	995	1,082
Total interest revenue	122,215	93,166	237,505	184,124
Deposits:
NOW	1,303	635	2,416	1,232
Money market	2,583	1,559	4,758	2,985
Savings	35	28	84	55
Time	4,198	1,379	7,154	2,387
Total deposit interest expense	8,119	3,601	14,412	6,659
Short-term borrowings	198	101	498	141
Federal Home Loan Bank advances	1,636	1,464	3,760	2,894
Long-term debt	3,786	2,852	7,074	5,728
Total interest expense	13,739	8,018	25,744	15,422
Net interest revenue	108,476	85,148	211,761	168,702
Provision for credit losses	1,800	800	5,600	1,600
Net interest revenue after provision for credit losses	106,676	84,348	206,161	167,102
Noninterest income:
Service charges and fees	8,794	10,701	17,719	21,305
Mortgage loan and other related fees	5,307	4,811	10,666	9,235
Brokerage fees	1,201	1,146	2,073	2,556
Gains from sales of SBA/USDA loans	2,401	2,626	4,179	4,585
Securities (losses) gains, net	(364)	4	(1,304)	2
Other	6,001	4,397	12,403	8,076
Total noninterest income	23,340	23,685	45,736	45,759
Total revenue	130,016	108,033	251,897	212,861
Noninterest expenses:
Salaries and employee benefits	45,363	37,338	88,238	74,029
Communications and equipment	4,849	4,978	9,481	9,896
Occupancy	5,547	4,908	11,160	9,857
Advertising and public relations	1,384	1,260	2,899	2,321
Postage, printing and supplies	1,685	1,346	3,322	2,716
Professional fees	3,464	2,371	7,508	5,415
FDIC assessments and other regulatory charges	1,973	1,348	4,449	2,631
Amortization of intangibles	1,847	900	3,745	1,873
Merger-related and other charges	2,280	1,830	4,334	3,884
Other	8,458	6,950	15,189	13,433
Total noninterest expenses	76,850	63,229	150,325	126,055
Net income before income taxes	53,166	44,804	101,572	86,806
Income tax expense	13,532	16,537	24,280	35,015
Net income	39,634	28,267	77,292	51,791
Net income available to common shareholders	$ 39,359	$ 28,267	$ 76,740	$ 51,791
Earnings per common share:
Basic (in dollars per share)	$ 0.49	$ 0.39	$ 0.97	$ 0.72
Diluted (in dollars per share)	$ 0.49	$ 0.39	$ 0.97	$ 0.72
Weighted average common shares outstanding:
Basic (in shares)	79,745,000	71,810,000	79,477,000	71,798,000
Diluted (in shares)	79,755,000	71,820,000	79,487,000	71,809,000

Consolidated Statements of Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Income Statement [Abstract]
Investment securities tax exemption	$ 1,025	$ 357	$ 1,997	$ 636

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 53,166	$ 44,804	$ 101,572	$ 86,806
Net income, Tax (Expense) Benefit	(13,532)	(16,537)	(24,280)	(35,015)
Net income, Net of Tax Amount	39,634	28,267	77,292	51,791
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses) arising during period, Before-tax Amount	(9,574)	11,120	(38,838)	17,628
Unrealized holding gains (losses) arising during period, Tax (Expense) Benefit	2,310	(4,217)	9,464	(6,681)
Unrealized holding gains (losses) arising during period, Net of Tax Amount	(7,264)	6,903	(29,374)	10,947
Reclassification adjustment for (gains) losses included in net income, Before-tax Amount	364	(4)	1,304	(2)
Reclassification adjustment for (gains) losses included in net income, Tax (Expense) Benefit	(97)	0	(317)	(1)
Reclassification adjustment for (gains) losses included in net income, Net of Tax Amount	267	(4)	987	(3)
Net unrealized gains (losses), Before-tax Amount	(9,210)	11,116	(37,534)	17,626
Net unrealized gains (losses), Tax (Expense) Benefit	2,213	(4,217)	9,147	(6,682)
Net unrealized gains (losses), Net of Tax Amount	(6,997)	6,899	(28,387)	10,944
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Before-tax Amount	218	261	439	571
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Tax (Expense) Benefit	(55)	(98)	(109)	(214)
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Net of Tax Amount	163	163	330	357
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Before-tax Amount	143	177	290	590
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Tax (Expense) Benefit	(38)	(69)	(76)	(230)
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	105	108	214	360
Reclassification of disproportionate tax effect related to terminated cash flow hedges, Before-tax Amount		0		0
Reclassification of disproportionate tax effect related to terminated cash flow hedges, Tax (Expense) Benefit		0		3,400
Reclassification of disproportionate tax effect related to terminated cash flow hedges, Net of Tax Amount		0		3,400
Net cash flow hedge activity, Before-tax Amount		177		590
Net cash flow hedge activity, Tax (Expense) Benefit		(69)		3,170
Net cash flow hedge activity, Net of Tax Amount		108		3,760
Net actuarial gain (loss) on defined benefit pension plan, Before-tax Amount	0	82	(5)	(718)
Net actuarial (gain) loss on defined benefit pension plan, Tax (Expense) Benefit	0	(32)	1	280
Net actuarial (gain) loss on defined benefit pension plan, Net of Tax Amount	0	50	(4)	(438)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Before-tax Amount	227	200	454	400
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Tax (Expense) Benefit	(73)	(78)	(131)	(157)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Net of Tax Amount	154	122	323	243
Net defined benefit pension plan activity, Before-tax Amount	227	282	449	(318)
Net defined benefit pension plan activity, Tax (Expense) Benefit	(73)	(110)	(130)	123
Net defined benefit pension plan activity, Net of Tax Amount	154	172	319	(195)
Total other comprehensive income (loss), Before-tax Amount	(8,622)	11,836	(36,356)	18,469
Total other comprehensive income (loss), Tax (Expense) Benefit	2,047	(4,494)	8,832	(3,603)
Total other comprehensive income (loss), net of tax amount	(6,575)	7,342	(27,524)	14,866
Comprehensive income, Before-tax Amount	44,544	56,640	65,216	105,275
Comprehensive income, Tax (Expense) Benefit	(11,485)	(21,031)	(15,448)	(38,618)
Comprehensive income, Net of Tax Amount	$ 33,059	$ 35,609	$ 49,768	$ 66,657

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 125,013	$ 129,108
Interest-bearing deposits in banks	191,355	185,167
Cash and cash equivalents	316,368	314,275
Securities available for sale	2,536,294	2,615,850
Securities held to maturity (fair value $291,463 and $321,276)	297,569	321,094
Loans held for sale (includes $34,813 and $26,252 at fair value)	34,813	32,734
Loans and leases, net of unearned income	8,220,271	7,735,572
Less allowance for loan and lease losses	(61,071)	(58,914)
Loans and leases, net	8,159,200	7,676,658
Premises and equipment, net	202,098	208,852
Bank owned life insurance	190,649	188,970
Accrued interest receivable	33,114	32,459
Net deferred tax asset	77,274	88,049
Derivative financial instruments	29,896	22,721
Goodwill and other intangible assets	327,174	244,397
Other assets	181,091	169,401
Total assets	12,385,540	11,915,460
Deposits:
Demand	3,245,701	3,087,797
NOW	2,031,396	2,131,939
Money market	2,036,588	2,016,748
Savings	683,689	651,742
Time	1,524,635	1,548,460
Brokered	444,079	371,011
Total deposits	9,966,088	9,807,697
Short-term borrowings	9,325	50,000
Federal Home Loan Bank advances	560,000	504,651
Long-term debt	308,434	120,545
Derivative financial instruments	37,261	25,376
Accrued expenses and other liabilities	125,323	103,857
Total liabilities	11,006,431	10,612,126
Shareholders' equity:
Common stock, $1 par value; 150,000,000 shares authorized; 79,137,810 and 77,579,561 shares issued and outstanding	79,138	77,580
Common stock issuable; 616,549 and 607,869 shares	9,509	9,083
Capital surplus	1,497,517	1,451,814
Accumulated deficit	(154,290)	(209,902)
Accumulated other comprehensive loss	(52,765)	(25,241)
Total shareholders' equity	1,379,109	1,303,334
Total liabilities and shareholders' equity	$ 12,385,540	$ 11,915,460

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Held to maturity, fair value	$ 291,463	$ 321,276
Loans held for sale, at fair value	$ 34,813	$ 26,252
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock authorized (in shares)	150,000,000	150,000,000
Common stock issued (in shares)	79,137,810	77,579,561
Common stock outstanding (in shares)	79,137,810	77,579,561
Common stock issuable (in shares)	616,549	607,869

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Common Stock Issuable	Capital Surplus	Accumulated Deficit	Accumulated Other Comprehensive Loss
Balance at Dec. 31, 2016	$ 1,075,735	$ 70,899	$ 7,327	$ 1,275,849	$ (251,857)	$ (26,483)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	51,791				51,791
Other comprehensive income (loss)	14,866					14,866
Common stock issued to dividend reinvestment plan and employee benefit plans (9,853 shares and 8,569 shares for the periods ended June 30, 2018 and June 30, 2017, respectively)	216	9		207
Amortization of stock option and restricted stock awards	3,149			3,149
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (46,409 shares issued, 47,419 shares deferred and 40,954 shares issued, 58,784 shares deferred for the periods ended June 30, 2018 and June 30, 2017, respectively)	(684)	41	887	(1,612)
Deferred compensation plan, net, including dividend equivalents	216		216
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (46,000 shares and 32,279 shares for the periods ended June 30, 2018 and June 30, 2017, respectively)	(107)	32	(368)	229
Common stock dividends ($0.27 and $0.18 per share for the periods ended June 30, 2018 and June 30, 2017, respectively)	(12,978)				(12,978)
Balance at Jun. 30, 2017	1,132,641	70,981	8,062	1,277,822	(212,607)	(11,617)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting principle	437				437
Balance at Dec. 31, 2017	1,303,334	77,580	9,083	1,451,814	(209,902)	(25,241)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	77,292				77,292
Other comprehensive income (loss)	(27,524)					(27,524)
Exercise of stock options (12,000 shares)	142	12		130
Common stock issued to dividend reinvestment plan and employee benefit plans (9,853 shares and 8,569 shares for the periods ended June 30, 2018 and June 30, 2017, respectively)	285	10		275
Common stock issued for acquisition (1,443,987 shares)	45,746	1,444		44,302
Amortization of stock option and restricted stock awards	2,276			2,276
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (46,409 shares issued, 47,419 shares deferred and 40,954 shares issued, 58,784 shares deferred for the periods ended June 30, 2018 and June 30, 2017, respectively)	(986)	46	884	(1,916)
Deferred compensation plan, net, including dividend equivalents	234		234
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (46,000 shares and 32,279 shares for the periods ended June 30, 2018 and June 30, 2017, respectively)	(10)	46	(692)	636
Common stock dividends ($0.27 and $0.18 per share for the periods ended June 30, 2018 and June 30, 2017, respectively)	(21,680)				(21,680)
Balance at Jun. 30, 2018	$ 1,379,109	$ 79,138	$ 9,509	$ 1,497,517	$ (154,290)	$ (52,765)

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Statement of Stockholders' Equity [Abstract]
Exercise of stock options (in shares)	12,000
Common stock issued to dividend reinvestment plan and employee benefits plans (in shares)	9,853	8,569
Common stock issued for acquisition (in shares)	1,443,987
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares issued (in shares)	46,409	40,954
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares deferred (in shares)	47,419	58,784
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (in shares)	46,000	32,279
Common stock dividends (in dollars per share)	$ 0.27	$ 0.18

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Operating activities:
Net income	$ 77,292	$ 51,791
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	17,068	12,932
Provision for credit losses	5,600	1,600
Stock based compensation	2,276	3,149
Deferred income tax expense	22,782	35,685
Securities losses (gains), net	1,304	(2)
Gains from sales of SBA/USDA loans	(4,179)	(4,585)
Net losses and write downs on sales of other real estate owned	260	471
Changes in assets and liabilities:
Other assets and accrued interest receivable	(18,799)	(425)
Accrued expenses and other liabilities	12,273	(7,191)
Mortgage loans held for sale	513	4,167
Net cash provided by operating activities	116,390	97,592
Investment securities held to maturity:
Proceeds from maturities and calls of securities held to maturity	35,531	31,369
Purchases of securities held to maturity	(11,983)	(13,433)
Investment securities available for sale:
Proceeds from sales of securities available for sale	140,296	94,650
Proceeds from maturities and calls of securities available for sale	174,284	309,054
Purchases of securities available for sale	(280,241)	(412,407)
Net increase in loans	(117,492)	(115,952)
Purchase of bank owned life insurance	0	(10,000)
Proceeds from sales of premises and equipment	589	5
Purchases of premises and equipment	(9,959)	(11,687)
Net cash paid for acquisition	(56,800)	0
Proceeds from sale of other real estate	1,986	5,781
Net cash used in investing activities	(123,789)	(122,620)
Financing activities:
Net change in deposits	159,015	98,694
Net change in short-term borrowings	(255,598)	(5,000)
Repayments of long-term debt	(30,023)	0
Proceeds from FHLB advances	1,375,000	2,710,000
Repayments of FHLB advances	(1,319,003)	(2,750,000)
Proceeds from issuance of subordinated debt, net of issuance costs	98,188	0
Proceeds from issuance of common stock for dividend reinvestment and employee benefit plans	285	216
Proceeds from exercise of stock options	142	0
Cash paid for shares withheld to cover payroll taxes upon vesting of restricted stock	(996)	(791)
Cash dividends on common stock	(17,518)	(12,253)
Net cash provided by financing activities	9,492	40,866
Net change in cash and cash equivalents, including restricted cash	2,093	15,838
Cash and cash equivalents, including restricted cash, at beginning of period	314,275	217,348
Cash and cash equivalents, including restricted cash, at end of period	316,368	233,186
Supplemental disclosures of cash flow information:
Interest paid	23,518	15,346
Income taxes paid	4,345	4,651
Significant non-cash investing and financing transactions:
Unsettled securities purchases	0	20,269
Unsettled government guaranteed loan sales	18,800	26,107
Transfers of loans to foreclosed properties	1,609	1,042
Acquisitions:
Assets acquired	481	0
Liabilities assumed	351	0
Net assets acquired	$ 130	$ 0

Accounting Policies	6 Months Ended
Accounting Policies	Jun. 30, 2018
Accounting Policies [Abstract]
Accounting Policies	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. In addition to those items mentioned below, 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, 2017. 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. Cash and Cash Equivalents Restricted Cash The terms of securitizations acquired with NLFC Holdings Corp. (“NLFC”) require various restricted cash accounts. These cash accounts were funded from either a portion of the proceeds from the issuance of notes or from the collections on leases and loans that were conveyed in the securitization. These restricted cash accounts provide additional collateral to the note holders under specific provisions of the securitizations which govern when funds in these accounts may be released as well as conditions under which collections on contracts transferred to the securitizations may be used to fund deposits into the restricted cash accounts. At June 30, 2018, these restricted cash accounts totaled $10.8 million and were included in interest-bearing deposits in banks on the consolidated balance sheet. Loans and Leases Equipment Financing Lease Receivables Equipment financing lease receivables are recorded as the sum of the future minimum lease payments, initial deferred costs and estimated or contractual residual values less unearned income. The determination of residual value is derived from a variety of sources including equipment valuation services, appraisals, and publicly available market data on recent sales transactions on similar equipment. The length of time until contract termination, the cyclical nature of equipment values and the limited marketplace for re-sale of certain leased assets are important variables considered in making this determination. Interest income is recognized as earned using the effective interest method. Direct fees and costs associated with the origination of leases are deferred and included as a component of equipment financing receivables. Net deferred fees or costs are recognized as an adjustment to interest income over the contractual life of the lease using the effective interest method.

Accounting Standards Updates and Recently Adopted Standards	6 Months Ended
	Jun. 30, 2018
Accounting Changes and Error Corrections [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Accounting Standards Updates 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, 2017, future minimum lease payments amounted to $27.1 million. United does not expect the new guidance to have a material impact on the consolidated statements of income or the consolidated statements 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 management is still in the process of determining the magnitude of the increase. Management has formed a steering committee and has completed a gap assessment that became the basis for a full project plan. In addition, management has selected a vendor model and begun the implementation phase of the project plan. United expects to run parallel for the four quarters leading up to the effective date to ensure it is prepared for implementation by the effective date. In May 2018, the FASB issued ASU No. 2018-06, Codification Improvements to Topic 942, Financial Services - Depository and Lending. This update superseded outdated guidance related to the Office of the Comptroller of the Currency’s Banking Circular 202, Accounting for Net Deferred Tax Charges. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. For public entities, this update is effective for fiscal years beginning after December 15, 2018. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-08, Not for Profit Entities (Topic 958): Clarifying the Scope and the Accounting Guidance for Contributions Received and Contributions Made. This update clarifies the guidance about whether a transfer of assets (or the reduction, settlement or cancellation of liabilities) is a contribution or an exchange transaction. In addition, the guidance clarifies the determination of whether a transaction is conditional. For public entities, this update is effective for contributions made in fiscal years beginning after December 15, 2018. United does not expect the new guidance to have a material impact on the consolidated financial statements. In July 2018, the FASB issued ASU No. 2018-09, Codification Improvements to address stakeholder suggestions for minor corrections and clarifications within the codification. The transition and effective date guidance is based on the facts and circumstances of each amendment. Some of the amendments in this update do not require transition guidance and will be effective upon issuance of this update. However, many of the amendments in this update do have transition guidance with effective dates for annual periods beginning after December 15, 2018, for public business entities. United does not expect the new guidance to have a material impact on the consolidated financial statements. In July 2018, the FASB issued ASU No. 2018-10, Codification Improvements to Topic 842. Leases to address certain narrow aspects of the guidance issued in ASU No. 2016-02. This guidance did not change United’s assessment of the impact of ASU No. 2016-02 on the consolidated financial statements as described above. Recently Adopted Standards 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 was effective for public entities for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period, and was 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, and revenue sources within scope were not materially affected, the new revenue recognition guidance did not have a material impact on the consolidated financial statements. United used the modified retrospective approach to adopting this guidance. In January 2016, the FASB issued ASU 2016-1, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Liabilities. The guidance in this update requires that equity investments (except those accounted for under the equity method of accounting) be measured at fair value with changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. The guidance also simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment. In addition, the guidance addresses various disclosure and presentation issues related to financial instruments. For public entities, this update was effective for fiscal years beginning after December 15, 2017 with early application permitted. The adoption of this update did not have a material impact on the consolidated financial statements. There was no opening balance sheet adjustment as a result of the adoption and the remainder of the standard was applied prospectively. In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force). This ASU requires that the statement of cash flows explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. This guidance was effective for public entities for fiscal years beginning after December 15, 2017, including interim periods within that reporting period, and was applied retrospectively to each period presented. The adoption of this update did not have a material impact on the consolidated financial statements. There was no adjustment to prior periods as a result of the adoption. 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 was 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 did not have a material impact on the consolidated financial statements.

Acquisitions

6 Months Ended

Jun. 30, 2018

Business Combinations [Abstract]

Acquisitions

Acquisition of NLFC Holdings Corp.

On February 1, 2018, United completed the acquisition of NLFC and its wholly-owned subsidiary, Navitas Credit Corp (“Navitas”). Navitas is a specialty lending company providing equipment finance credit services to small and medium-sized businesses nationwide. In connection with the acquisition, United acquired $393 million of assets and assumed $350 million of liabilities. Under the terms of the merger agreement, NLFC shareholders received $130 million in total consideration, of which $84.5 million was paid in cash and $45.7 million was paid in United common stock. The fair value of consideration paid exceeded the fair value of the identifiable assets and liabilities acquired and resulted in the establishment of goodwill in the amount of $87.4 million, representing the intangible value of NLFC’s business and reputation within the markets it served. None of the goodwill recognized is expected to be deductible for income tax purposes.

United’s operating results for the three and six months ended June 30, 2018 include the operating results of the acquired assets and assumed liabilities for the period subsequent to the acquisition date of February 1, 2018.

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (in thousands).



	As Recorded by NLFC		Fair Value Adjustments (1)			As Recorded by United
Assets
Cash and cash equivalents	$	27,700	—			$	27,700
Loans and leases, net	365,533		(7,181		)	358,352
Premises and equipment, net	628		(304		)	324
Net deferred tax asset	—		2,873			2,873
Other assets	5,117		(1,066		)	4,051
Total assets acquired	$	398,978	$	(5,678	)	$	393,300
Liabilities
Short-term borrowings	$	214,923	$	—		$	214,923
Long-term debt	119,402		—			119,402
Other liabilities	17,059		(951		)	16,108
Total liabilities assumed	351,384		(951		)	350,433
Excess of assets acquired over liabilities assumed	$	47,594
Aggregate fair value adjustments			$	(4,727	)
Total identifiable net assets						$	42,867
Consideration transferred
Cash						84,500
Common stock issued (1,443,987 shares)						45,746
Total fair value of consideration transferred						130,246
Goodwill						$	87,379

⁽¹⁾Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.

Since the acquisition date, within the one year measurement period, United received additional information regarding the fair value of loans. As a result, the provisional value assigned to the acquired loans was reduced by $526,000, partially offset by acquisition-related adjustments to deferred tax assets. The net of the adjustments was reflected as a $390,000 increase to goodwill.

The following table presents additional information related to the acquired loan and lease portfolio at the acquisition date (in thousands):



	February 1, 2018
Accounted for pursuant to ASC 310-30:
Contractually required principal and interest	$	24,711
Non-accretable difference	5,505
Cash flows expected to be collected	19,206
Accretable yield	1,977
Fair value	$	17,229

Excluded from ASC 310-30:
Fair value	$	341,123
Gross contractual amounts receivable	389,432
Estimate of contractual cash flows not expected to be collected	8,624

In January 2018, after announcement of its intention to acquire NLFC but prior to the completion of the acquisition, United purchased $19.9 million in loans from NLFC in a transaction separate from the business combination.

Pro forma information

The following table discloses the impact of the merger with NLFC since the acquisition date through June 30, 2018. The table also presents certain pro forma information as if NLFC had been acquired on January 1, 2017. These results combine the historical results of the acquired entity with United’s consolidated statement of income and, while adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not necessarily indicative of what would have occurred had the acquisition taken place in earlier years.

Merger-related costs from the NLFC acquisition of $118,000 and $4.83 million, respectively, have been excluded from the three and six months 2018 pro forma information presented below and included in the three and six months 2017 pro forma information below. The actual results and pro forma information were as follows (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	Revenue		Net Income		Revenue		Net Income
2018
Actual NLFC results included in statement of income since acquisition date	$	6,624	$	2,686	$	10,237	$	3,496
Supplemental consolidated pro forma as if NLFC had been acquired January 1, 2017	130,288		39,924		255,119		78,989

2017
Supplemental consolidated pro forma as if NLFC had been acquired January 1, 2017	$	112,004	$	28,715	$	220,510	$	49,595

Acquisition of Four Oaks Fincorp, Inc.

On November 1, 2017, United completed the acquisition of Four Oaks FinCorp, Inc. (“FOFN”) and its wholly-owned bank subsidiary, Four Oaks Bank & Trust Company. Information related to the fair value of assets and liabilities acquired from FOFN is included in United’s Annual Report on Form 10-K for the year ended December 31, 2017. During first quarter 2018, within the one-year measurement period, United received additional information regarding the acquisition date fair values of loans held for sale and servicing assets. As a result, the provisional values assigned to the acquired loans held for sale and servicing assets have been adjusted to $10.7 million and $65,000, respectively, which represent an increase of $2.59 million and a decrease of $354,000, respectively, from amounts previously disclosed. The tax effect of these adjustments was reflected as a decrease to the deferred tax asset of $1.08 million, with the net amount of $1.16 million reflected as a decrease to goodwill.

Acquisition of HCSB Financial Corporation

On July 31, 2017, United completed the acquisition of HCSB Financial Corporation (“HCSB”) and its wholly-owned bank subsidiary, Horry County State Bank. Information related to the fair value of assets and liabilities acquired from HCSB is included in United’s Annual Report on Form 10-K for the year ended December 31, 2017. During second quarter 2018, within the one-year measurement period, United received additional information regarding the acquisition date fair value of premises and equipment. As a result, the provisional value assigned to the acquired premises and equipment has been adjusted to $7.42 million, which represents a decrease of $493,000 from the amount previously disclosed. The tax effect of this adjustment was reflected as an increase to the deferred tax asset of $190,000, resulting in a net $303,000 increase to goodwill.

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings

6 Months Ended

Jun. 30, 2018

Offsetting [Abstract]

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 Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
June 30, 2018	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Repurchase agreements / reverse repurchase agreements	$	50,000		$	(50,000	)	$	—	$	—		$	—		$	—
Derivatives	29,896			—			29,896		(553		)	(13,799		)	15,544
Total	$	79,896		$	(50,000	)	$	29,896	$	(553	)	$	(13,799	)	$	15,544

Weighted average interest rate of reverse repurchase agreements	2.70		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net Liability Balance		Gross Amounts not Offset in the Balance Sheet
	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net Liability Balance		Financial Instruments			Collateral Pledged			Net Amount
Repurchase agreements / reverse repurchase agreements	$	50,000		$	(50,000	)	$	—	$	—		$	—		$	—
Derivatives	37,261			—			37,261		(553		)	(18,438		)	18,270
Total	$	87,261		$	(50,000	)	$	37,261	$	(553	)	$	(18,438	)	$	18,270

Weighted average interest rate of repurchase agreements	1.95		%

	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
December 31, 2017	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Repurchase agreements / reverse repurchase agreements	$	100,000		$	(100,000	)	$	—	$	—		$	—		$	—
Derivatives	22,721			—			22,721		(1,490		)	(6,369		)	14,862
Total	$	122,721		$	(100,000	)	$	22,721	$	(1,490	)	$	(6,369	)	$	14,862

Weighted average interest rate of reverse repurchase agreements	1.95		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net		Gross Amounts not Offset in the Balance Sheet
	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount
Repurchase agreements / reverse repurchase agreements	$	100,000		$	(100,000	)	$	—	$	—		$	—		$	—
Derivatives	25,376			—			25,376		(1,490		)	(17,190		)	6,696
Total	$	125,376		$	(100,000	)	$	25,376	$	(1,490	)	$	(17,190	)	$	6,696

Weighted average interest rate of repurchase agreements	1.20		%

At June 30, 2018, United recognized the right to reclaim cash collateral of $18.4 million and the obligation to return cash collateral of $13.8 million. At December 31, 2017, United recognized the right to reclaim cash collateral of $17.2 million and the obligation to return cash collateral of $6.37 million. The right to reclaim cash collateral and the obligation to return cash collateral were included in the consolidated balance sheets 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 June 30, 2018	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total
Mortgage-backed securities	$	—	$	—	$	—	$	50,000	$	50,000

Total	$	—	$	—	$	—	$	50,000	$	50,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	50,000
Amounts related to agreements not included in offsetting disclosure									$	—



	Remaining Contractual Maturity of the Agreements
	Overnight and
As of December 31, 2017	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total
Mortgage-backed securities	$	—	$	—	$	100,000	$	—	$	100,000

Total	$	—	$	—	$	100,000	$	—	$	100,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	100,000
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

6 Months Ended

Jun. 30, 2018

Investments, Debt and Equity Securities [Abstract]

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).



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2018

State and political subdivisions	$	71,125	$	954	$	1,238	$	70,841
Mortgage-backed securities⁽¹⁾	226,444		987		6,809		220,622

Total	$	297,569	$	1,941	$	8,047	$	291,463

As of December 31, 2017

State and political subdivisions	$	71,959	$	1,574	$	178	$	73,355
Mortgage-backed securities⁽¹⁾	249,135		2,211		3,425		247,921

Total	$	321,094	$	3,785	$	3,603	$	321,276

⁽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).



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2018

U.S. Treasuries	$	122,290	$	—	$	3,251	$	119,039
U.S. Government agencies	25,778		240		440		25,578
State and political subdivisions	200,486		123		2,978		197,631
Mortgage-backed securities⁽¹⁾	1,844,310		1,992		39,441		1,806,861
Corporate bonds	199,303		793		1,931		198,165
Asset-backed securities	189,067		610		714		188,963
Other	57		—		—		57

Total	$	2,581,291	$	3,758	$	48,755	$	2,536,294

As of December 31, 2017

U.S. Treasuries	$	122,025	$	—	$	912	$	121,113
U.S. Government agencies	26,129		269		26		26,372
State and political subdivisions	195,663		2,019		396		197,286
Mortgage-backed securities⁽¹⁾	1,738,056		7,089		17,934		1,727,211
Corporate bonds	305,265		1,513		425		306,353
Asset-backed securities	236,533		1,078		153		237,458
Other	57		—		—		57

Total	$	2,623,728	$	11,968	$	19,846	$	2,615,850

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

Securities with a carrying value of $816 million and $1.04 billion were pledged to secure public deposits, derivatives and other secured borrowings at June 30, 2018 and December 31, 2017, 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
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2018

State and political subdivisions	$	43,131	$	1,238	$	—	$	—	$	43,131	$	1,238
Mortgage-backed securities	82,473		2,856		79,198		3,953		161,671		6,809
Total unrealized loss position	$	125,604	$	4,094	$	79,198	$	3,953	$	204,802	$	8,047

As of December 31, 2017

State and political subdivisions	$	8,969	$	178	$	—	$	—	$	8,969	$	178
Mortgage-backed securities	95,353		1,448		65,868		1,977		161,221		3,425
Total unrealized loss position	$	104,322	$	1,626	$	65,868	$	1,977	$	170,190	$	3,603

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
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2018

U.S. Treasuries	$	119,039	$	3,251	$	—	$	—	$	119,039	$	3,251
U.S. Government agencies	19,790		413		1,624		27		21,414		440
State and political subdivisions	171,147		2,899		5,061		79		176,208		2,978
Mortgage-backed securities	1,212,603		24,160		339,456		15,281		1,552,059		39,441
Corporate bonds	116,563		1,921		990		10		117,553		1,931
Asset-backed securities	75,232		714		—		—		75,232		714
Total unrealized loss position	$	1,714,374	$	33,358	$	347,131	$	15,397	$	2,061,505	$	48,755

As of December 31, 2017

U.S. Treasuries	$	121,113	$	912	$	—	$	—	$	121,113	$	912
U.S. Government agencies	1,976		13		1,677		13		3,653		26
State and political subdivisions	61,494		365		5,131		31		66,625		396
Mortgage-backed securities	964,205		8,699		328,923		9,235		1,293,128		17,934
Corporate bonds	55,916		325		900		100		56,816		425
Asset-backed securities	28,695		126		5,031		27		33,726		153
Total unrealized loss position	$	1,233,399	$	10,440	$	341,662	$	9,406	$	1,575,061	$	19,846

At June 30, 2018, there were 294 available-for-sale securities and 70 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 June 30, 2018 were primarily attributable to changes in interest rates.

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 and six months ended June 30, 2018 or 2017.

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 and six months ended June 30, 2018 and 2017 (in thousands).



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017

Proceeds from sales	$	26,335		$	70,453		$	140,296		$	94,650

Gross gains on sales	$	232		$	227		$	649		$	325
Gross losses on sales	(596		)	(223		)	(1,953		)	(323		)

Net (losses) gains on sales of securities	$	(364	)	$	4		$	(1,304	)	$	2

Income tax benefit attributable to sales	$	(97	)	$	—		$	(317	)	$	(1	)

The amortized cost and fair value of held-to-maturity and available-for-sale securities at June 30, 2018, 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	$	74,525	$	72,568	$	—	$	—
5 to 10 years	47,765		46,471		—		—
	122,290		119,039		—		—

US Government agencies:
1 to 5 years	20,854		20,422		—		—
More than 10 years	4,924		5,156		—		—
	25,778		25,578		—		—

State and political subdivisions:
Within 1 year	1,500		1,510		5,929		5,991
1 to 5 years	44,769		44,024		10,670		10,960
5 to 10 years	26,393		25,908		10,157		10,759
More than 10 years	127,824		126,189		44,369		43,131
	200,486		197,631		71,125		70,841

Corporate bonds:
1 to 5 years	181,027		180,412		—		—
5 to 10 years	17,276		16,763		—		—
More than 10 years	1,000		990		—		—
	199,303		198,165		—		—

Asset-backed securities:
1 to 5 years	5,624		5,771		—		—
5 to 10 years	31,025		31,105		—		—
More than 10 years	152,418		152,087		—		—
	189,067		188,963		—		—

Other:
More than 10 years	57		57		—		—
	57		57		—		—

Total securities other than mortgage-backed securities:
Within 1 year	1,500		1,510		5,929		5,991
1 to 5 years	326,799		323,197		10,670		10,960
5 to 10 years	122,459		120,247		10,157		10,759
More than 10 years	286,223		284,479		44,369		43,131

Mortgage-backed securities	1,844,310		1,806,861		226,444		220,622

	$	2,581,291	$	2,536,294	$	297,569	$	291,463

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

Loans and Leases and Allowance for Credit Losses

6 Months Ended

Jun. 30, 2018

Receivables [Abstract]

Loans and Leases and Allowance for Credit Losses

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands).



	June 30, 2018			December 31, 2017
Owner occupied commercial real estate	$	1,681,737		$	1,923,993
Income producing commercial real estate	1,821,384			1,595,174
Commercial & industrial	1,193,046			1,130,990
Commercial construction	735,575			711,936
Equipment financing	464,594			—
Total commercial	5,896,336			5,362,093
Residential mortgage	1,020,606			973,544
Home equity lines of credit	707,718			731,227
Residential construction	195,580			183,019
Consumer direct	122,756			127,504
Indirect auto	277,275			358,185

Total loans	8,220,271			7,735,572

Less allowance for loan losses	(61,071		)	(58,914		)

Loans, net	$	8,159,200		$	7,676,658

At June 30, 2018 and December 31, 2017, loans totaling $3.95 billion and $3.73 billion, respectively, were pledged as collateral to secure Federal Home Loan Bank advances, securitized notes payable and other contingent funding sources.

At June 30, 2018, 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 $89.8 million and $131 million, respectively. At December 31, 2017, the carrying value and outstanding balance of PCI loans were $98.5 million and $142 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 June 30,						Six Months Ended June 30,
	2018			2017			2018			2017
Balance at beginning of period	$	18,036		$	7,762		$	17,686		$	7,981
Additions due to acquisitions	147			—			1,977			—
Accretion	(2,965		)	(1,412		)	(5,511		)	(3,102		)
Reclassification from nonaccretable difference	6,527			3,827			7,118			4,716
Changes in expected cash flows that do not affect nonaccretable difference	1,661			1,188			2,136			1,770
Balance at end of period	$	23,406		$	11,365		$	23,406		$	11,365

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 June 30, 2018 and December 31, 2017, the remaining accretable net fair value discount on loans acquired through a business combination and not accounted for under ASC 310-30 was $4.41 million and $14.7 million, respectively. At June 30, 2018, the net fair value discount of $4.41 million included a net premium on loans acquired with NLFC. In addition, indirect auto loans purchased at a premium outside of a business combination had a remaining premium of $5.47 million and $7.84 million, respectively, as of June 30, 2018 and December 31, 2017. During the three and six months ended June 30, 2018, United did not purchase any indirect auto loans. During the three and six months ended June 30, 2017, United purchased indirect auto loans of $40.5 million and $81.7 million, respectively.

At June 30, 2018, equipment financing assets included leases of $25.5 million. The components of the net investment in leases are presented below (in thousands).



	June 30, 2018

Minimum future lease payments receivable	$	26,396
Estimated residual value of leased equipment	3,314
Initial direct costs	764
Security deposits	(1,192		)
Purchase accounting premium	1,197
Unearned income	(4,930		)
Net investment in leases	$	25,549

Minimum future lease payments expected to be received from lease contracts as of June 30, 2018 are as follows (in thousands):



Year
Remainder of 2018	$	5,900
2019	9,325
2020	6,396
2021	3,185
2022	1,373
Thereafter	217
Total	$	26,396

Allowance for Credit Losses and Loans Individually Evaluated for Impairment

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).



	2018												2017
Three Months Ended June 30,	Beginning Balance		Charge-Offs			Recoveries		(Release)Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	14,561	$	(7	)	$	585	$	(2,230	)	$	12,909	$	15,669	$	(158	)	$	120	$	(209	)	$	15,422
Income producing commercial real estate	9,776		(1,653		)	232		2,507			10,862		8,878		(203		)	20		659			9,354
Commercial & industrial	4,075		(233		)	217		146			4,205		3,725		(598		)	244		249			3,620
Commercial construction	10,034		(53		)	159		(17		)	10,123		12,790		(361		)	20		(1,411		)	11,038
Equipment financing	2,291		(23		)	71		1,222			3,561		—		—			—		—			—
Residential mortgage	10,221		(112		)	101		(365		)	9,845		9,071		(131		)	105		753			9,798
Home equity lines of credit	4,932		(211		)	190		32			4,943		4,530		(424		)	171		313			4,590
Residential construction	3,044		(8		)	67		(513		)	2,590		3,267		(70		)	123		(236		)	3,084
Consumer direct	733		(552		)	195		389			765		609		(457		)	195		237			584
Indirect auto	1,418		(379		)	55		174			1,268		2,004		(313		)	94		225			2,010
Total allowance for loan losses	61,085		(3,231		)	1,872		1,345			61,071		60,543		(2,715		)	1,092		580			59,500
Allowance for unfunded commitments	2,440		—			—		455			2,895		2,002		—			—		220			2,222
Total allowance for credit losses	$	63,525	$	(3,231	)	$	1,872	$	1,800		$	63,966	$	62,545	$	(2,715	)	$	1,092	$	800		$	61,722



	2018												2017
Six Months Ended June 30,	Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	14,776	$	(67	)	$	688	$	(2,488	)	$	12,909	$	16,446	$	(183	)	$	357	$	(1,198	)	$	15,422
Income producing commercial real estate	9,381		(2,310		)	467		3,324			10,862		8,843		(1,100		)	47		1,564			9,354
Commercial & industrial	3,971		(617		)	606		245			4,205		3,810		(814		)	612		12			3,620
Commercial construction	10,523		(416		)	256		(240		)	10,123		13,405		(563		)	592		(2,396		)	11,038
Equipment financing	—		(162		)	168		3,555			3,561		—		—			—		—			—
Residential mortgage	10,097		(182		)	224		(294		)	9,845		8,545		(673		)	117		1,809			9,798
Home equity lines of credit	5,177		(335		)	225		(124		)	4,943		4,599		(895		)	220		666			4,590
Residential construction	2,729		(8		)	131		(262		)	2,590		3,264		(70		)	132		(242		)	3,084
Consumer direct	710		(1,203		)	355		903			765		708		(899		)	402		373			584
Indirect auto	1,550		(815		)	135		398			1,268		1,802		(733		)	149		792			2,010
Total allowance for loan losses	58,914		(6,115		)	3,255		5,017			61,071		61,422		(5,930		)	2,628		1,380			59,500
Allowance for unfunded commitments	2,312		—			—		583			2,895		2,002		—			—		220			2,222
Total allowance for credit losses	$	61,226	$	(6,115	)	$	3,255	$	5,600		$	63,966	$	63,424	$	(5,930	)	$	2,628	$	1,600		$	61,722

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 Credit Losses
	June 30, 2018								December 31, 2017
	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	$	985	$	11,647	$	277	$	12,909	$	1,255	$	13,521	$	—	$	14,776
Income producing commercial real estate	609		10,193		60		10,862		562		8,813		6		9,381
Commercial & industrial	35		4,135		35		4,205		27		3,944		—		3,971
Commercial construction	98		10,025		—		10,123		156		10,367		—		10,523
Equipment financing	—		3,561		—		3,561		—		—		—		—
Residential mortgage	1,007		8,838		—		9,845		1,174		8,919		4		10,097
Home equity lines of credit	—		4,943		—		4,943		—		5,177		—		5,177
Residential construction	52		2,538		—		2,590		75		2,654		—		2,729
Consumer direct	6		758		1		765		7		700		3		710
Indirect auto	29		1,239		—		1,268		—		1,550		—		1,550
Total allowance for loan losses	2,821		57,877		373		61,071		3,256		55,645		13		58,914
Allowance for unfunded commitments	—		2,895		—		2,895		—		2,312		—		2,312
Total allowance for credit losses	$	2,821	$	60,772	$	373	$	63,966	$	3,256	$	57,957	$	13	$	61,226



	Loans Outstanding
	June 30, 2018								December 31, 2017
	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	$	18,932	$	1,649,437	$	13,368	$	1,681,737	$	21,823	$	1,876,411	$	25,759	$	1,923,993
Income producing commercial real estate	16,245		1,762,960		42,179		1,821,384		16,483		1,533,851		44,840		1,595,174
Commercial & industrial	1,510		1,190,900		636		1,193,046		2,654		1,126,894		1,442		1,130,990
Commercial construction	3,528		725,474		6,573		735,575		3,813		699,266		8,857		711,936
Equipment financing	—		452,620		11,974		464,594		—		—		—		—
Residential mortgage	14,012		995,072		11,522		1,020,606		14,193		946,210		13,141		973,544
Home equity lines of credit	232		705,591		1,895		707,718		101		728,235		2,891		731,227
Residential construction	1,498		193,156		926		195,580		1,577		180,978		464		183,019
Consumer direct	249		121,737		770		122,756		270		126,114		1,120		127,504
Indirect auto	1,215		276,060		—		277,275		1,396		356,789		—		358,185
Total loans	$	57,421	$	8,073,007	$	89,843	$	8,220,271	$	62,310	$	7,574,748	$	98,514	$	7,735,572

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. Management individually evaluates certain impaired loans, including all non-PCI relationships that are on nonaccrual with a balance of $500,000 or greater and all troubled debt restructurings (“TDRs”) regardless of accrual status, for impairment. 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, if any. 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 in the loan portfolio 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 and evaluated for impairment, which, if necessary, could result in fully or partially charging off the loan or establishing a specific reserve. 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 as of the dates indicated (in thousands).



	June 30, 2018						December 31, 2017
	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	$	8,292	$	6,763	$	—	$	1,238	$	1,176	$	—
Income producing commercial real estate	7,568		7,496		—		2,177		2,165		—
Commercial & industrial	160		123		—		1,758		1,471		—
Commercial construction	564		558		—		134		134		—
Equipment financing	—		—		—		—		—		—
Total commercial	16,584		14,940		—		5,307		4,946		—
Residential mortgage	5,125		4,520		—		2,661		2,566		—
Home equity lines of credit	284		229		—		393		101		—
Residential construction	712		576		—		405		330		—
Consumer direct	49		49		—		29		29		—
Indirect auto	139		137		—		1,396		1,396		—
Total with no related allowance recorded	22,893		20,451		—		10,191		9,368		—

With an allowance recorded:
Owner occupied commercial real estate	12,665		12,169		985		21,262		20,647		1,255
Income producing commercial real estate	9,017		8,749		609		14,419		14,318		562
Commercial & industrial	1,776		1,387		35		1,287		1,183		27
Commercial construction	3,216		2,970		98		3,917		3,679		156
Equipment financing	—		—		—		—		—		—
Total commercial	26,674		25,275		1,727		40,885		39,827		2,000
Residential mortgage	9,576		9,492		1,007		12,086		11,627		1,174
Home equity lines of credit	4		3		—		—		—		—
Residential construction	933		922		52		1,325		1,247		75
Consumer direct	207		200		6		244		241		7
Indirect auto	1,079		1,078		29		—		—		—
Total with an allowance recorded	38,473		36,970		2,821		54,540		52,942		3,256
Total	$	61,366	$	57,421	$	2,821	$	64,731	$	62,310	$	3,256

As of June 30, 2018 and December 31, 2017, $2.74 million and $3.26 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 $75,000 as of December 31, 2017, to customers with outstanding loans classified as TDRs. As of June 30, 2018, there were no commitments to lend additional amounts 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 and six months ended June 30, 2018 and 2017 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 Recorded Investment		Post-Modification Outstanding Recorded Investment by Type of Modification								TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Rate Reduction		Structure		Other		Total		Number of Contracts	Recorded Investment
Three Months Ended June 30, 2018

Owner occupied commercial real estate	1	$	282	$	—	$	282	$	—	$	282	1	$	283
Income producing commercial real estate	1	106		106		—		—		106		—	—
Commercial & industrial	1	27		—		27		—		27		—	—
Commercial construction	—	—		—		—		—		—		1	3
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	3	415		106		309		—		415		2	286
Residential mortgage	2	425		—		424		—		424		1	101
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	17	236		—		—		236		236		—	—
Total loans	22	$	1,076	$	106	$	733	$	236	$	1,075	3	$	387

Six Months Ended June 30, 2018

Owner occupied commercial real estate	4	$	1,276	$	—	$	1,260	$	—	$	1,260	3	$	1,869
Income producing commercial real estate	1	106		106		—		—		106		—	—
Commercial & industrial	2	108		—		32		—		32		—	—
Commercial construction	—	—		—		—		—		—		1	3
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	7	1,490		106		1,292		—		1,398		4	1,872
Residential mortgage	4	765		—		764		—		764		1	101
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	17	236		—		—		236		236		—	—
Total loans	28	$	2,491	$	106	$	2,056	$	236	$	2,398	5	$	1,973

Three Months Ended June 30, 2017

Owner occupied commercial real estate	3	$	1,860	$	—	$	1,860	$	—	$	1,860	—	$	—
Income producing commercial real estate	1	226		—		—		226		226		—	—
Commercial & industrial	1	28		—		28		—		28		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	5	2,114		—		1,888		226		2,114		—	—
Residential mortgage	5	483		—		483		—		483		—	—
Home equity lines of credit	1	296		—		—		176		176		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	11	$	2,893	$	—	$	2,371	$	402	$	2,773	—	$	—

Six Months Ended June 30, 2017

Owner occupied commercial real estate	3	$	1,860	$	—	$	1,860	$	—	$	1,860	—	$	—
Income producing commercial real estate	1	226		—		—		226		226		—	—
Commercial & industrial	2	53		—		53		—		53		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	6	2,139		—		1,913		226		2,139		—	—
Residential mortgage	12	836		—		836		—		836		2	655
Home equity lines of credit	1	296		—		—		176		176		—	—
Residential construction	1	40		40		—		—		40		—	—
Consumer direct	1	6		—		6		—		6		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	21	$	3,317	$	40	$	2,755	$	402	$	3,197	2	$	655

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).



	2018						2017
Three Months Ended June 30,	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	$	19,353	$	235	$	236	$	30,825	$	371	$	376
Income producing commercial real estate	16,408		215		212		28,768		359		347
Commercial & industrial	1,542		25		24		1,877		26		17
Commercial construction	3,564		47		44		6,670		70		77
Equipment financing	—		—		—		—		—		—
Total commercial	40,867		522		516		68,140		826		817
Residential mortgage	14,115		157		161		14,742		130		147
Home equity lines of credit	235		5		4		552		2		4
Residential construction	1,516		25		24		1,563		23		24
Consumer direct	256		5		5		307		6		6
Indirect auto	1,283		17		17		1,137		14		14
Total	$	58,272	$	731	$	727	$	86,441	$	1,001	$	1,012

Six Months Ended June 30,
Owner occupied commercial real estate	$	22,006	$	480	$	516	$	30,342	$	716	$	712
Income producing commercial real estate	16,421		425		447		28,589		710		692
Commercial & industrial	2,069		65		66		1,908		53		45
Commercial construction	3,750		98		96		5,836		123		130
Equipment financing	—		—		—		—		—		—
Total commercial	44,246		1,068		1,125		66,675		1,602		1,579
Residential mortgage	14,554		306		311		14,175		268		290
Home equity lines of credit	290		9		8		308		3		5
Residential construction	1,553		49		48		1,591		46		47
Consumer direct	274		10		10		297		11		12
Indirect auto	1,301		34		34		1,130		28		28
Total	$	62,218	$	1,476	$	1,536	$	84,176	$	1,958	$	1,961

Nonaccrual and Past Due Loans

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 June 30, 2018 or December 31, 2017 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 $256,000 and $246,000 for the three months ended June 30, 2018 and 2017, respectively, and $599,000 and $523,000 for the six months ended June 30, 2018 and 2017, respectively.

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



	June 30, 2018		December 31, 2017
Owner occupied commercial real estate	$	5,772	$	4,923
Income producing commercial real estate	991		3,208
Commercial & industrial	2,180		2,097
Commercial construction	613		758
Equipment financing	1,075		—
Total commercial	10,631		10,986
Residential mortgage	7,918		8,776
Home equity lines of credit	1,812		2,024
Residential construction	637		192
Consumer direct	68		43
Indirect auto	751		1,637
Total	$	21,817	$	23,658

Excluding PCI loans, substantially all loans more than 90 days past due were on nonaccrual status at June 30, 2018 and December 31, 2017. 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
As of June 30, 2018	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	5,007	$	822	$	2,553	$	8,382	$	1,659,987	$	13,368	$	1,681,737
Income producing commercial real estate	2,045		269		49		2,363		1,776,842		42,179		1,821,384
Commercial & industrial	2,450		576		714		3,740		1,188,670		636		1,193,046
Commercial construction	992		343		253		1,588		727,414		6,573		735,575
Equipment financing	346		465		1,075		1,886		450,734		11,974		464,594
Total commercial	10,840		2,475		4,644		17,959		5,803,647		74,730		5,896,336
Residential mortgage	6,470		2,284		2,684		11,438		997,646		11,522		1,020,606
Home equity lines of credit	2,113		797		500		3,410		702,413		1,895		707,718
Residential construction	757		92		493		1,342		193,312		926		195,580
Consumer direct	536		142		1		679		121,307		770		122,756
Indirect auto	731		132		601		1,464		275,811		—		277,275
Total loans	$	21,447	$	5,922	$	8,923	$	36,292	$	8,094,136	$	89,843	$	8,220,271



	Loans Past Due
As of December 31, 2017	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	3,810	$	1,776	$	1,530	$	7,116	$	1,891,118	$	25,759	$	1,923,993
Income producing commercial real estate	1,754		353		1,939		4,046		1,546,288		44,840		1,595,174
Commercial & industrial	2,139		869		1,133		4,141		1,125,407		1,442		1,130,990
Commercial construction	568		132		158		858		702,221		8,857		711,936
Equipment financing	—		—		—		—		—		—		—
Total commercial	8,271		3,130		4,760		16,161		5,265,034		80,898		5,362,093
Residential mortgage	6,717		1,735		3,438		11,890		948,513		13,141		973,544
Home equity lines of credit	3,246		225		578		4,049		724,287		2,891		731,227
Residential construction	885		105		93		1,083		181,472		464		183,019
Consumer direct	739		133		—		872		125,512		1,120		127,504
Indirect auto	1,152		459		1,263		2,874		355,311		—		358,185
Total loans	$	21,010	$	5,787	$	10,132	$	36,929	$	7,600,129	$	98,514	$	7,735,572

Risk Ratings

United categorizes commercial loans, with the exception of equipment financing receivables, 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.

Equipment Financing Receivables and Consumer Purpose Loans. United applies a pass / fail grading system to all equipment financing receivables and consumer purpose loans. Under the pass / fail grading system, 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, loans in these categories that are classified as “fail” are reported in the substandard column and all other 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).



	Pass		Watch		Substandard		Doubtful / Loss		Total
As of June 30, 2018
Owner occupied commercial real estate	$	1,607,152	$	21,030	$	40,187	$	—	$	1,668,369
Income producing commercial real estate	1,738,757		19,989		20,459		—		1,779,205
Commercial & industrial	1,158,458		14,103		19,849		—		1,192,410
Commercial construction	696,187		24,575		8,240		—		729,002
Equipment financing	451,545		—		1,075		—		452,620
Total commercial	5,652,099		79,697		89,810		—		5,821,606
Residential mortgage	989,403		—		19,681		—		1,009,084
Home equity lines of credit	699,455		—		6,368		—		705,823
Residential construction	192,656		—		1,998		—		194,654
Consumer direct	121,493		—		493		—		121,986
Indirect auto	275,233		—		2,042		—		277,275
Total loans, excluding PCI loans	$	7,930,339	$	79,697	$	120,392	$	—	$	8,130,428

Owner occupied commercial real estate	$	2,586	$	3,027	$	7,755	$	—	$	13,368
Income producing commercial real estate	12,918		22,609		6,652		—		42,179
Commercial & industrial	258		227		151		—		636
Commercial construction	3,345		753		2,475		—		6,573
Equipment financing	11,154		—		820		—		11,974
Total commercial	30,261		26,616		17,853		—		74,730
Residential mortgage	8,167		148		3,207		—		11,522
Home equity lines of credit	1,334		—		561		—		1,895
Residential construction	473		247		206		—		926
Consumer direct	697		—		73		—		770
Indirect auto	—		—		—		—		—
Total PCI loans	$	40,932	$	27,011	$	21,900	$	—	$	89,843

Total loan portfolio	$	7,971,271	$	106,708	$	142,292	$	—	$	8,220,271

As of December 31, 2017
Owner occupied commercial real estate	$	1,833,469	$	33,571	$	31,194	$	—	$	1,898,234
Income producing commercial real estate	1,495,805		30,780		23,749		—		1,550,334
Commercial & industrial	1,097,907		18,052		13,589		—		1,129,548
Commercial construction	693,873		2,947		6,259		—		703,079
Equipment financing	—		—		—		—		—
Total commercial	5,121,054		85,350		74,791		—		5,281,195
Residential mortgage	939,706		—		20,697		—		960,403
Home equity lines of credit	721,142		—		7,194		—		728,336
Residential construction	180,567		—		1,988		—		182,555
Consumer direct	125,860		—		524		—		126,384
Indirect auto	354,788		—		3,397		—		358,185
Total loans, excluding PCI loans	$	7,443,117	$	85,350	$	108,591	$	—	$	7,637,058

Owner occupied commercial real estate	$	2,400	$	8,163	$	15,196	$	—	$	25,759
Income producing commercial real estate	13,392		21,928		9,520		—		44,840
Commercial & industrial	383		672		387		—		1,442
Commercial construction	3,866		2,228		2,763		—		8,857
Equipment financing	—		—		—		—		—
Total commercial	20,041		32,991		27,866		—		80,898
Residential mortgage	9,566		173		3,402		—		13,141
Home equity lines of credit	1,579		427		885		—		2,891
Residential construction	423		—		41		—		464
Consumer direct	1,076		10		34		—		1,120
Indirect auto	—		—		—		—		—
Total PCI loans	$	32,685	$	33,601	$	32,228	$	—	$	98,514

Total loan portfolio	$	7,475,802	$	118,951	$	140,819	$	—	$	7,735,572

- 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

6 Months Ended

Jun. 30, 2018

Equity [Abstract]

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 Comprehensive Income Components	Three Months Ended June 30,						Six Months Ended June 30,						Affected Line Item in the Statement Where Net Income is Presented
	2018			2017			2018			2017
Realized (losses) gains on available-for-sale securities:
	$	(364	)	$	4		$	(1,304	)	$	2		Securities (losses) gains, net
	97			—			317			1			Income tax benefit
	$	(267	)	$	4		$	(987	)	$	3		Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity:
	$	(218	)	$	(261	)	$	(439	)	$	(571	)	Investment securities interest revenue
	55			98			109			214			Income tax benefit
	$	(163	)	$	(163	)	$	(330	)	$	(357	)	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	$	(143	)	$	(149	)	$	(290	)	$	(298	)	Money market deposit interest expense
Amortization of losses on de-designated positions	—			(28		)	—			(292		)	Federal Home Loan Bank advances interest expense
	(143		)	(177		)	(290		)	(590		)	Total before tax
	38			69			76			230			Income tax benefit
	$	(105	)	$	(108	)	$	(214	)	$	(360	)	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	$	(167	)	$	(140	)	$	(334	)	$	(280	)	Salaries and employee benefits expense
Actuarial losses	(60		)	—			(120		)	—			Other expense
Actuarial losses	—			(60		)	—			(120		)	Salaries and employee benefits expense
	(227		)	(200		)	(454		)	(400		)	Total before tax
	73			78			131			157			Income tax benefit
	$	(154	)	$	(122	)	$	(323	)	$	(243	)	Net of tax
Total reclassifications for the period	$	(689	)	$	(389	)	$	(1,854	)	$	(4,357	)	Net of tax

Amounts shown above in parentheses reduce earnings.

Earnings Per Share

6 Months Ended

Jun. 30, 2018

Earnings Per Share [Abstract]

Earnings Per Share

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 June 30,					Six Months Ended June 30,
	2018			2017		2018			2017
Net income	$	39,634		$	28,267	$	77,292		$	51,791
Dividends and undistributed earnings allocated to unvested shares	(275		)	—		(552		)	—
Net income available to common shareholders	$	39,359		$	28,267	$	76,740		$	51,791

Weighted average shares outstanding:
Basic	79,745			71,810		79,477			71,798
Effect of dilutive securities
Stock options	10			10		10			11
Diluted	79,755			71,820		79,487			71,809

Net income per common share:
Basic	$	0.49		$	0.39	$	0.97		$	0.72
Diluted	$	0.49		$	0.39	$	0.97		$	0.72

At June 30, 2018, United had potentially dilutive warrants outstanding to purchase 219,909 shares of common stock at $61.40 per share. At June 30, 2018, there were no shares of potentially dilutive common stock issuable upon exercise of stock options granted to employees.

At June 30, 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; 63,404 shares of common stock issuable upon exercise of stock options granted to employees with a weighted average exercise price of $25.45; and 595,188 shares of common stock issuable upon the vesting of restricted stock unit awards.

Derivatives and Hedging Activities

6 Months Ended

Jun. 30, 2018

Derivative Instruments and Hedging Activities Disclosure [Abstract]

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 primarily 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



Interest Rate Products	Balance Sheet Location	June 30, 2018		December 31, 2017
Fair value hedge of corporate bonds	Derivative assets	$	—	$	336
		$	—	$	336

Fair value hedge of brokered CDs	Derivative liabilities	$	2,425	$	2,053
		$	2,425	$	2,053

Derivatives not designated as hedging instruments under ASC 815



		Fair Value
Interest Rate Products	Balance Sheet Location	June 30, 2018		December 31, 2017
Customer derivative positions	Derivative assets	$	951	$	2,659
Dealer offsets to customer derivative positions	Derivative assets	14,433		6,867
Mortgage banking - loan commitment	Derivative assets	1,764		1,150
Mortgage banking - forward sales commitment	Derivative assets	2		13
Bifurcated embedded derivatives	Derivative assets	12,746		11,057
Interest rate caps	Derivative assets	—		639
		$	29,896	$	22,385

Customer derivative positions	Derivative liabilities	$	18,489	$	7,032
Dealer offsets to customer derivative positions	Derivative liabilities	217		1,551
Risk participations	Derivative liabilities	8		20
Mortgage banking - forward sales commitment	Derivative liabilities	189		49
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities	15,471		14,279
De-designated hedges	Derivative liabilities	462		392
		$	34,836	$	23,323

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 London Interbank Offered Rate (“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. United accounts for most newly originated mortgage 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 June 30, 2018 and December 31, 2017 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 from prior hedges that have been de-designated 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 $361,000 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 statements of income for the periods indicated (in thousands).



	Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)
	Location	2018			2017
Three Months Ended June 30,

Interest rate swaps	Interest expense	$	(143	)	$	(177	)

Six Months Ended June 30,

Interest rate swaps	Interest expense	$	(290	)	$	(590	)

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 June 30, 2018, United had four interest rate swaps with a notional amount of $39.0 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. At December 31, 2017, United had four interest rate swaps with an aggregate notional amount of $40.7 million that were designated as fair value hedges of interest rate risk and were 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, 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.

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 and six months ended June 30, 2018, United recognized net losses of $119,000 and $199,000 , respectively, related to ineffectiveness in the fair value hedging relationships. During the three and six months ended June 30, 2017, United recognized net losses of $327,000 and $452,000, respectively, related to ineffectiveness in the fair value hedging relationships. United also recognized a net increase in interest expense of $66,000 and $80,000, respectively, for the three and six months ended June 30, 2018, and net reductions of interest expense of $65,000 and $97,000, respectively, for the three and six months ended June 30, 2017 related to fair value hedges of brokered time deposits, which includes net settlements on the derivatives. United recognized an increase in interest revenue on securities for the six months ended June 30, 2018 of $17,000 and reductions of interest revenue on securities during the three and six months ended June 30, 2017 of $80,000 and $173,000, respectively, related to fair value hedges of corporate bonds. For the three months ended June 30, 2018, there was no impact on interest revenue on securities 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 (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative						Amount of Gain (Loss) Recognized in Income on Hedged Item
	Location of Gain (Loss) Recognized in Income on Derivative	2018			2017			2018		2017
Three Months Ended June 30,
Fair value hedges of brokered CDs	Interest expense	$	(144	)	$	73		$	25	$	(344	)
Fair value hedges of corporate bonds	Interest revenue	—			(323		)	—		267
		$	(144	)	$	(250	)	$	25	$	(77	)

Six Months Ended June 30,
Fair value hedges of brokered CDs	Interest expense	$	(837	)	$	(201	)	$	569	$	(155	)
Fair value hedges of corporate bonds	Interest revenue	(336		)	(217		)	405		121
		$	(1,173	)	$	(418	)	$	974	$	(34	)

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 (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative
	Location of Gain (Loss) Recognized in Income on Derivative	2018			2017
Three Months Ended June 30,
Customer derivatives and dealer offsets	Other noninterest income	$	643		$	775
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	12			119
Interest rate caps	Other noninterest income	—			90
De-designated hedges	Other noninterest income	(17		)	28
Mortgage banking derivatives	Mortgage loan revenue	156			(1,000		)
Risk participations	Other noninterest income	15			1
		$	809		$	13

Six Months Ended June 30,
Customer derivatives and dealer offsets	Other noninterest income	$	1,417		$	1,250
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	381			206
Interest rate caps	Other noninterest income	276			90
De-designated hedges	Other noninterest income	(83		)	4
Mortgage banking derivatives	Mortgage loan revenue	1,420			(876		)
Risk participations	Other noninterest income	12			5
		$	3,423		$	679

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 June 30, 2018, collateral totaling $18.4 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. As a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”), all newly eligible derivatives entered into are cleared through a central clearinghouse. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded.

Stock-Based Compensation

6 Months Ended

Jun. 30, 2018

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

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 June 30, 2018, 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 June 30, 2018, 1.74 million additional awards remained available for grant under the plan.

The following table shows stock option activity for the first six months of 2018.



Options	Shares		Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2017	60,287		$	24.12
Exercised	(12,000	)	11.85
Cancelled/forfeited	(181	)	31.50
Outstanding at June 30, 2018	48,106		27.16		2.4	$	169

Exercisable at June 30, 2018	45,606		27.73		2.1	134

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 six months ended June 30, 2018 and 2017.

United recognized $12,000 and $15,000 in compensation expense related to stock options during each of the six months ended June 30, 2018 and 2017, respectively. 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.

The table below presents restricted stock units activity for the first six months of 2018.



Restricted Stock Unit Awards	Shares		Weighted- Average Grant- Date Fair Value		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2017	663,817		$	22.40
Granted	206,123		31.07
Vested	(124,551	)	18.53			$	3,998
Cancelled	(13,665	)	21.95
Outstanding at June 30, 2018	731,724		25.51		5.4	22,442

Compensation expense for restricted stock units is based on the market 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 six months ended June 30, 2018 and 2017, expense of $2.11 million and $3.02 million, respectively, was recognized related to restricted stock unit awards. Of the expense recognized related to restricted stock unit awards during the six months ended June 30, 2017, $696,000 relates to the modification of existing awards resulting from an acceleration of vesting of unvested awards due to retirement which was recognized in merger-related and other charges in the consolidated statement of income. The remaining expense of $2.33 million was recognized in compensation expense. In addition, for the six months ended June 30, 2018 and 2017, $156,000 and $113,000, respectively, was recognized in other operating expense for restricted stock unit awards granted to members of United’s board of directors.

A deferred income tax benefit related to expense for options and restricted stock of $581,000 and $1.23 million was included in the determination of income tax expense for the six months ended June 30, 2018 and 2017, respectively. As of June 30, 2018, there was $14.9 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 2.4 years.

Common and Preferred Stock Issued / Common Stock Issuable	6 Months Ended
	Jun. 30, 2018
Equity [Abstract]
Common and Preferred Stock Issued / Common Stock Issuable	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 six months ended June 30, 2018 and 2017, 3,364 shares and 1,714 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 six months of 2018 and 2017, United issued 6,489 shares and 6,855 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 June 30, 2018 and December 31, 2017, 616,549 and 607,869 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. In November 2017, the Board of Directors extended this program to December 31, 2018. 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 six months of 2018 and 2017, United did not repurchase any shares under the program. As of June 30, 2018, $36.3 million of United’s outstanding common stock may be repurchased under the program.

Income Taxes	6 Months Ended
Income Taxes	Jun. 30, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The income tax provision for the three and six months ended June 30, 2018 was $13.5 million and $24.3 million, respectively, which represents an effective tax rate of 25.5% and 23.9%, respectively, for each period. The effective tax rate for the second quarter and first six months of 2018 reflect the lower federal income tax rate enacted in the fourth quarter of 2017 following the passage of H.R. 1, commonly known as the Tax Cuts and Jobs Act of 2017 (the “Tax Act”). The income tax provision for the second quarter of 2018 also includes $509,000 of additional tax expense resulting from the partial impairment of United’s deferred tax asset due to Georgia’s announcement that it has reduced its corporate income tax rate from 6.00% to 5.75% effective January 1, 2019. The income tax provision for the three and six months ended June 30, 2017 was $16.5 million and $35.0 million, respectively, which represents an effective tax rate of 36.9% and 40.3%, 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 for that period. At June 30, 2018 and December 31, 2017, United maintained a valuation allowance on its net deferred tax asset of $4.71 million and $4.41 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. The valuation allowance could fluctuate in future periods based on the assessment of the positive and negative evidence. Management’s conclusion at June 30, 2018 that it was more likely than not that the net deferred tax asset of $77.3 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. 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 2014. 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 June 30, 2018 and December 31, 2017, unrecognized income tax benefits totaled $3.39 million and $3.16 million, respectively.

Assets and Liabilities Measured at Fair Value

6 Months Ended

Jun. 30, 2018

Fair Value Disclosures [Abstract]

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. The 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

United has elected the fair value option for most of its newly originated 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 credit 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, 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 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.

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, 2017.

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).



June 30, 2018	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale:
U.S. Treasuries	$	119,039	$	—	$	—	$	119,039
U.S. Agencies	—		25,578		—		25,578
State and political subdivisions	—		197,631		—		197,631
Mortgage-backed securities	—		1,806,861		—		1,806,861
Corporate bonds	—		197,175		990		198,165
Asset-backed securities	—		188,963		—		188,963
Other	—		57		—		57
Mortgage loans held for sale	—		34,813		—		34,813
Deferred compensation plan assets	6,199		—		—		6,199
Servicing rights for SBA/USDA loans	—		—		7,509		7,509
Residential mortgage servicing rights	—		—		10,801		10,801
Derivative financial instruments	—		15,386		14,510		29,896

Total assets	$	125,238	$	2,466,464	$	33,810	$	2,625,512

Liabilities:
Deferred compensation plan liability	$	6,199	$	—	$	—	$	6,199
Derivative financial instruments	—		18,895		18,366		37,261

Total liabilities	$	6,199	$	18,895	$	18,366	$	43,460



December 31, 2017	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale
U.S. Treasuries	$	121,113	$	—	$	—	$	121,113
U.S. Agencies	—		26,372		—		26,372
State and political subdivisions	—		197,286		—		197,286
Mortgage-backed securities	—		1,727,211		—		1,727,211
Corporate bonds	—		305,453		900		306,353
Asset-backed securities	—		237,458		—		237,458
Other	—		57		—		57
Mortgage loans held for sale	—		26,252		—		26,252
Deferred compensation plan assets	5,716		—		—		5,716
Servicing rights for SBA/USDA loans	—		—		7,740		7,740
Residential mortgage servicing rights	—		—		8,262		8,262
Derivative financial instruments	—		10,514		12,207		22,721

Total assets	$	126,829	$	2,530,603	$	29,109	$	2,686,541

Liabilities:
Deferred compensation plan liability	$	5,716	$	—	$	—	$	5,716
Derivative financial instruments	—		8,632		16,744		25,376

Total liabilities	$	5,716	$	8,632	$	16,744	$	31,092

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).



	2018														2017
	Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Securities Available- for-Sale		Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Securities Available- for-Sale
Three Months Ended June 30,
Balance at beginning of period	$	13,877		$	17,788		$	7,470		$	9,718		$	900	$	12,649		$	16,580		$	5,997		$	5,971		$	675
Additions	—			—			613			1,182			—		—			—			668			947			—
Sales and settlements	—			—			(316		)	(126		)	—		(702		)	(964		)	(36		)	(74		)	—
Other comprehensive income	—			—			—			—			90		—			—			—			—			135
Amounts included in earnings - fair value adjustments	633			578			(258		)	27			—		(91		)	475			11			(345		)	—
Balance at end of period	$	14,510		$	18,366		$	7,509		$	10,801		$	990	$	11,856		$	16,091		$	6,640		$	6,499		$	810

Six Months Ended June 30,
Balance at beginning of period	$	12,207		$	16,744		$	7,740		$	8,262		$	900	$	11,777		$	16,347		$	5,752		$	—		$	675
Business combinations	—			—			(354		)	—			—		—			—			—			—			—
Transfer from amortization method to fair value	—			—			—			—			—		—			—			—			5,070			—
Additions	—			—			1,092			2,108			—		—			—			1,221			1,813			—
Sales and settlements	(1,029		)	(1,347		)	(407		)	(206		)	—		(1,086		)	(1,514		)	(299		)	(114		)	—
Other comprehensive income	—			—			—			—			90		—			—			—			—			135
Amounts included in earnings - fair value adjustments	3,332			2,969			(562		)	637			—		1,165			1,258			(34		)	(270		)	—
Balance at end of period	$	14,510		$	18,366		$	7,509		$	10,801		$	990	$	11,856		$	16,091		$	6,640		$	6,499		$	810

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 and Liabilities	June 30, 2018		December 31, 2017		Valuation Technique		June 30, 2018		December 31, 2017
Level 3 Assets and Liabilities	June 30, 2018		December 31, 2017		Valuation Technique	Unobservable Inputs	June 30, 2018		December 31, 2017
Servicing rights for SBA/USDA loans	$	7,509	$	7,740	Discounted cash flow	Discount rate	12.7	%	12.5	%
						Prepayment rate	10.1		8.3
Residential mortgage servicing rights	10,801		8,262		Discounted cash flow	Discount rate	10.0		10.0
						Prepayment rate	8.6		9.5
Corporate bonds	990		900		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	1,764		1,150		Internal model	Pull through rate	81.1		80.0
Derivative assets - other	12,746		11,057		Dealer priced	Dealer priced	N/A		N/A
Derivative liabilities - risk participations	8		20		Internal model	Probable exposure rate	0.5		0.4
						Probability of default rate	1.8		1.8
Derivative liabilities - other	18,358		16,724		Dealer priced	Dealer priced	N/A		N/A

Fair Value Option

At June 30, 2018, mortgage loans held for sale for which the fair value option was elected had an aggregate fair value and outstanding principal balance of $34.8 million and $33.7 million, respectively. At December 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 $26.3 million and $25.4 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 three and six months ended June 30, 2018, changes in fair value of these loans resulted in net gains of $326,000 and $254,000, respectively. During the three and six months ended June 30, 2017, changes in fair value of these loans resulted in net gains of $192,000 and $444,000, respectively, which 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.

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 June 30, 2018 and December 31, 2017, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands).



	Level 1		Level 2		Level 3		Total
June 30, 2018
Loans	$	—	$	—	$	6,570	$	6,570

December 31, 2017
Loans	$	—	$	—	$	6,905	$	6,905

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
	Amount		Level 1		Level 2		Level 3		Total
June 30, 2018
Assets:
Securities held to maturity	$	297,569	$	—	$	291,463	$	—	$	291,463
Loans and leases, net	8,159,200		—		—		8,132,734		8,132,734

Liabilities:
Deposits	9,966,088		—		9,958,439		—		9,958,439
Federal Home Loan Bank advances	560,000		—		559,979		—		559,979
Long-term debt	308,434		—		—		321,424		321,424

December 31, 2017
Assets:
Securities held to maturity	$	321,094	$	—	$	321,276	$	—	$	321,276
Loans, net	7,676,658		—		—		7,674,460		7,674,460
Loans held for sale	6,482		—		6,514		—		6,514

Liabilities:
Deposits	9,807,697		—		9,809,264		—		9,809,264
Federal Home Loan Bank advances	504,651		—		504,460		—		504,460
Long-term debt	120,545		—		—		123,844		123,844

- 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

6 Months Ended

Jun. 30, 2018

Commitments and Contingencies Disclosure [Abstract]

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).



	June 30, 2018		December 31, 2017
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	2,047,081	$	1,910,777
Letters of credit	26,396		28,075

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 June 30, 2018, the Bank had committed to fund an additional $9.16 million related to future capital calls that has not been reflected in the consolidated balance sheet.

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.

Goodwill and Other Intangible Assets

6 Months Ended

Jun. 30, 2018

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands):



	June 30, 2018			December 31, 2017
Core deposit intangible	$	62,652		$	62,652
Less: accumulated amortization	(43,786		)	(41,229		)
Net core deposit intangible	18,866			21,423
Noncompete agreements	3,144			3,144
Less: accumulated amortization	(1,948		)	(761		)
Net noncompete agreements	1,196			2,383
Total intangibles subject to amortization, net	20,062			23,806
Goodwill	307,112			220,591
Total goodwill and other intangible assets, net	$	327,174		$	244,397

The following is a summary of changes in the carrying amounts of goodwill (in thousands):



	For the Three Months Ended June 30,							For the Six Months Ended June 30,
2018	Goodwill		Accumulated Impairment Losses			Goodwill, net of Accumulated Impairment Losses		Goodwill			Accumulated Impairment Losses			Goodwill, net of Accumulated Impairment Losses
Balance, beginning of period	$	612,009	$	(305,590	)	$	306,419	$	526,181		$	(305,590	)	$	220,591
Acquisition of NLFC	390		—			390		87,379			—			87,379
Measurement period adjustments- FOFN and HCSB	303		—			303		(858		)	—			(858		)
Balance, end of period	$	612,702	$	(305,590	)	$	307,112	$	612,702		$	(305,590	)	$	307,112

2017
Balance, beginning of period	$	447,615	$	(305,590	)	$	142,025	$	447,615		$	(305,590	)	$	142,025
Balance, end of period	$	447,615	$	(305,590	)	$	142,025	$	447,615		$	(305,590	)	$	142,025

The estimated aggregate amortization expense for future periods for core deposit intangibles and noncompete agreements is as follows (in thousands):



Year
Remainder of 2018	$	3,102
2019	4,551
2020	3,315
2021	2,557
2022	1,982
Thereafter	4,555
Total	$	20,062

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References + Details

Long-term Debt

6 Months Ended

Jun. 30, 2018

Debt Disclosure [Abstract]

Long-term Debt

Long-term debt consisted of the following (in thousands):



	June 30, 2018			December 31, 2017			Issue Date	Stated Maturity Date	Earliest Call Date	Interest Rate
Obligations of the Bank and its Subsidiaries:
NER 15-1 Class C notes	$	7,025		$	—		2015	2019	n/a	4.500%
NER 15-1 Class D notes	3,421			—			2015	2021	n/a	5.750%
NER 16-1 Class A-2 notes	43,912			—			2016	2021	n/a	2.200%
NER 16-1 Class B notes	25,489			—			2016	2021	n/a	3.220%
NER 16-1 Class C notes	6,319			—			2016	2021	n/a	5.050%
NER 16-1 Class D notes	3,213			—			2016	2023	n/a	7.870%
Total securitized notes payable	89,379			—

Obligations of the Holding Company:
2022 senior debentures	50,000			50,000			2015	2022	2020	5.000% through August 13, 2020, 3-month LIBOR plus 3.814% thereafter
2027 senior debentures	35,000			35,000			2015	2027	2025	5.500% through August 13, 2025 3-month LIBOR plus 3.71% thereafter
Total senior debentures	85,000			85,000

2028 subordinated debentures	100,000			—			2018	2028	2023	4.500% through January 30, 2023, 3-month LIBOR plus 2.12% thereafter
2025 subordinated debentures	11,500			11,500			2015	2025	2020	6.250%
Total subordinated debentures	111,500			11,500

Southern Bancorp Capital Trust I	4,382			4,382			2004	2034	2009	Prime + 1.00%
United Community Statutory Trust III	1,238			1,238			2008	2038	2013	Prime + 3.00%
Tidelands Statutory Trust I	8,248			8,248			2006	2036	2011	3-month LIBOR plus 1.38%
Tidelands Statutory Trust II	6,186			6,186			2008	2038	2013	3-month LIBOR plus 5.075%
Four Oaks Statutory Trust I	12,372			12,372			2006	2036	2011	3-month LIBOR plus 1.35%
Total trust preferred securities	32,426			32,426
Less discount	(9,871		)	(8,381		)
Total long-term debt	$	308,434		$	120,545

Interest is currently paid semiannually or quarterly for all senior and subordinated debentures and trust preferred securities.

Senior Debentures

The 2022 senior debentures are redeemable, in whole or in part, on or after August 14, 2020 at a redemption price equal to 100% of the principal amount to be redeemed plus any accrued and unpaid interest, and will mature on February 14, 2022 if not redeemed prior to that date. The 2027 senior debentures are redeemable, in whole or in part, on or after August 14, 2025 at a redemption price equal to 100% of the principal amount to be redeemed plus any accrued and unpaid interest, and will mature on February 14, 2027 if not redeemed prior to that date.

Subordinated Debentures

United acquired, as part of the FOFN acquisition, $11.5 million aggregate principal amount of subordinated debentures. The notes are due on November 30, 2025. United may prepay the notes at any time after November 30, 2020, subject to compliance with applicable laws. In January 2018, United issued $100 million fixed to floating rate subordinated notes due January 30, 2028. The subordinated debentures qualify as Tier 2 regulatory capital.

Securitized Notes Payable

United acquired, as part of the NLFC acquisition, Navitas Equipment Receivables LLC 2015-1 (“NER 15-1”) and Navitas Equipment Receivables LLC 2016-1 (“NER 16-1”), which are bankruptcy-remote special purpose entities (“SPEs”) whose sole purpose is to receive loans to secure financings. Each of these SPEs provided financing by issuing notes to investors through a private offering of Receivable-Backed Notes under Rule 144A of the Securities and Exchange Act of 1934. These notes are collateralized by specific qualifying loans and by cash placed in restricted cash accounts. These notes will continue amortizing sequentially based on collections on the underlying loans available to pay the note holders at each monthly payment date after payment of certain amounts as specified in the securitization documents including fees to various parties to the securitizations, interest due to the note holders and certain other payments. Sequentially, each subsequent class of note holders receive principal payments until paid down in full prior to the remaining subsequent class of note holders receiving principal payments. In addition to the pay-downs on these notes, they also have legal final maturity dates as reflected in the table above.

Trust Preferred Securities

Trust preferred securities qualify as Tier 1 capital under risk based capital guidelines subject to certain limitations. The trust preferred securities are mandatorily redeemable upon maturity, or upon earlier redemption as provided in the indentures.

Subsequent Events	6 Months Ended
Subsequent Events	Jun. 30, 2018
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events On August 1, 2018, United’s Board of Directors approved a regular quarterly cash dividend of $0.15 per common share. The dividend is payable October 5, 2018, to shareholders of record on September 15, 2018.

Accounting Policies (Policies)	6 Months Ended
Accounting Policies (Policies)	Jun. 30, 2018
Accounting Policies [Abstract]
Cash and Cash Equivalents	Cash and Cash Equivalents Restricted Cash The terms of securitizations acquired with NLFC Holdings Corp. (“NLFC”) require various restricted cash accounts. These cash accounts were funded from either a portion of the proceeds from the issuance of notes or from the collections on leases and loans that were conveyed in the securitization. These restricted cash accounts provide additional collateral to the note holders under specific provisions of the securitizations which govern when funds in these accounts may be released as well as conditions under which collections on contracts transferred to the securitizations may be used to fund deposits into the restricted cash accounts. At June 30, 2018, these restricted cash accounts totaled $10.8 million and were included in interest-bearing deposits in banks on the consolidated balance sheet.
Loans and Leases	Loans and Leases Equipment Financing Lease Receivables Equipment financing lease receivables are recorded as the sum of the future minimum lease payments, initial deferred costs and estimated or contractual residual values less unearned income. The determination of residual value is derived from a variety of sources including equipment valuation services, appraisals, and publicly available market data on recent sales transactions on similar equipment. The length of time until contract termination, the cyclical nature of equipment values and the limited marketplace for re-sale of certain leased assets are important variables considered in making this determination. Interest income is recognized as earned using the effective interest method. Direct fees and costs associated with the origination of leases are deferred and included as a component of equipment financing receivables. Net deferred fees or costs are recognized as an adjustment to interest income over the contractual life of the lease using the effective interest method.
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Accounting Standards Updates 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, 2017, future minimum lease payments amounted to $27.1 million. United does not expect the new guidance to have a material impact on the consolidated statements of income or the consolidated statements 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 management is still in the process of determining the magnitude of the increase. Management has formed a steering committee and has completed a gap assessment that became the basis for a full project plan. In addition, management has selected a vendor model and begun the implementation phase of the project plan. United expects to run parallel for the four quarters leading up to the effective date to ensure it is prepared for implementation by the effective date. In May 2018, the FASB issued ASU No. 2018-06, Codification Improvements to Topic 942, Financial Services - Depository and Lending. This update superseded outdated guidance related to the Office of the Comptroller of the Currency’s Banking Circular 202, Accounting for Net Deferred Tax Charges. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This update expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. As a result, nonemployee share-based payment awards will be measured at the grant-date fair value of the equity instruments that an entity is obligated to issue when the service has been rendered, subject to the probability of satisfying performance conditions when applicable. For public entities, this update is effective for fiscal years beginning after December 15, 2018. United does not expect the new guidance to have a material impact on the consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-08, Not for Profit Entities (Topic 958): Clarifying the Scope and the Accounting Guidance for Contributions Received and Contributions Made. This update clarifies the guidance about whether a transfer of assets (or the reduction, settlement or cancellation of liabilities) is a contribution or an exchange transaction. In addition, the guidance clarifies the determination of whether a transaction is conditional. For public entities, this update is effective for contributions made in fiscal years beginning after December 15, 2018. United does not expect the new guidance to have a material impact on the consolidated financial statements. In July 2018, the FASB issued ASU No. 2018-09, Codification Improvements to address stakeholder suggestions for minor corrections and clarifications within the codification. The transition and effective date guidance is based on the facts and circumstances of each amendment. Some of the amendments in this update do not require transition guidance and will be effective upon issuance of this update. However, many of the amendments in this update do have transition guidance with effective dates for annual periods beginning after December 15, 2018, for public business entities. United does not expect the new guidance to have a material impact on the consolidated financial statements. In July 2018, the FASB issued ASU No. 2018-10, Codification Improvements to Topic 842. Leases to address certain narrow aspects of the guidance issued in ASU No. 2016-02. This guidance did not change United’s assessment of the impact of ASU No. 2016-02 on the consolidated financial statements as described above. Recently Adopted Standards 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 was effective for public entities for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period, and was 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, and revenue sources within scope were not materially affected, the new revenue recognition guidance did not have a material impact on the consolidated financial statements. United used the modified retrospective approach to adopting this guidance. In January 2016, the FASB issued ASU 2016-1, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Liabilities. The guidance in this update requires that equity investments (except those accounted for under the equity method of accounting) be measured at fair value with changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. The guidance also simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment. In addition, the guidance addresses various disclosure and presentation issues related to financial instruments. For public entities, this update was effective for fiscal years beginning after December 15, 2017 with early application permitted. The adoption of this update did not have a material impact on the consolidated financial statements. There was no opening balance sheet adjustment as a result of the adoption and the remainder of the standard was applied prospectively. In November 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force). This ASU requires that the statement of cash flows explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. This guidance was effective for public entities for fiscal years beginning after December 15, 2017, including interim periods within that reporting period, and was applied retrospectively to each period presented. The adoption of this update did not have a material impact on the consolidated financial statements. There was no adjustment to prior periods as a result of the adoption. 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 was 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 did not have a material impact on the consolidated financial statements.

- Definition

Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.

+ References + Details

Acquisitions (Tables)

6 Months Ended

Jun. 30, 2018

Business Acquisition [Line Items]

Schedule of actual results and pro forma information

The actual results and pro forma information were as follows (in thousands):



	Three Months Ended June 30,				Six Months Ended June 30,
	Revenue		Net Income		Revenue		Net Income
2018
Actual NLFC results included in statement of income since acquisition date	$	6,624	$	2,686	$	10,237	$	3,496
Supplemental consolidated pro forma as if NLFC had been acquired January 1, 2017	130,288		39,924		255,119		78,989

2017
Supplemental consolidated pro forma as if NLFC had been acquired January 1, 2017	$	112,004	$	28,715	$	220,510	$	49,595

NLFC Holdings Corporation

Business Acquisition [Line Items]

Schedule of purchased assets and assumed liabilities

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the table below (in thousands).



	As Recorded by NLFC		Fair Value Adjustments (1)			As Recorded by United
Assets
Cash and cash equivalents	$	27,700	—			$	27,700
Loans and leases, net	365,533		(7,181		)	358,352
Premises and equipment, net	628		(304		)	324
Net deferred tax asset	—		2,873			2,873
Other assets	5,117		(1,066		)	4,051
Total assets acquired	$	398,978	$	(5,678	)	$	393,300
Liabilities
Short-term borrowings	$	214,923	$	—		$	214,923
Long-term debt	119,402		—			119,402
Other liabilities	17,059		(951		)	16,108
Total liabilities assumed	351,384		(951		)	350,433
Excess of assets acquired over liabilities assumed	$	47,594
Aggregate fair value adjustments			$	(4,727	)
Total identifiable net assets						$	42,867
Consideration transferred
Cash						84,500
Common stock issued (1,443,987 shares)						45,746
Total fair value of consideration transferred						130,246
Goodwill						$	87,379

Schedule of additional information related to acquired loan portfolio at acquisition date

The following table presents additional information related to the acquired loan and lease portfolio at the acquisition date (in thousands):



	February 1, 2018
Accounted for pursuant to ASC 310-30:
Contractually required principal and interest	$	24,711
Non-accretable difference	5,505
Cash flows expected to be collected	19,206
Accretable yield	1,977
Fair value	$	17,229

Excluded from ASC 310-30:
Fair value	$	341,123
Gross contractual amounts receivable	389,432
Estimate of contractual cash flows not expected to be collected	8,624

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

6 Months Ended

Jun. 30, 2018

Offsetting [Abstract]

Schedule of summary of amounts outstanding under reverse repurchase agreements



	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
June 30, 2018	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Repurchase agreements / reverse repurchase agreements	$	50,000		$	(50,000	)	$	—	$	—		$	—		$	—
Derivatives	29,896			—			29,896		(553		)	(13,799		)	15,544
Total	$	79,896		$	(50,000	)	$	29,896	$	(553	)	$	(13,799	)	$	15,544

Weighted average interest rate of reverse repurchase agreements	2.70		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net Liability Balance		Gross Amounts not Offset in the Balance Sheet
	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net Liability Balance		Financial Instruments			Collateral Pledged			Net Amount
Repurchase agreements / reverse repurchase agreements	$	50,000		$	(50,000	)	$	—	$	—		$	—		$	—
Derivatives	37,261			—			37,261		(553		)	(18,438		)	18,270
Total	$	87,261		$	(50,000	)	$	37,261	$	(553	)	$	(18,438	)	$	18,270

Weighted average interest rate of repurchase agreements	1.95		%

	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
December 31, 2017	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Repurchase agreements / reverse repurchase agreements	$	100,000		$	(100,000	)	$	—	$	—		$	—		$	—
Derivatives	22,721			—			22,721		(1,490		)	(6,369		)	14,862
Total	$	122,721		$	(100,000	)	$	22,721	$	(1,490	)	$	(6,369	)	$	14,862

Weighted average interest rate of reverse repurchase agreements	1.95		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Net		Gross Amounts not Offset in the Balance Sheet
	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet			Liability Balance		Financial Instruments			Collateral Pledged			Net Amount
Repurchase agreements / reverse repurchase agreements	$	100,000		$	(100,000	)	$	—	$	—		$	—		$	—
Derivatives	25,376			—			25,376		(1,490		)	(17,190		)	6,696
Total	$	125,376		$	(100,000	)	$	25,376	$	(1,490	)	$	(17,190	)	$	6,696

Weighted average interest rate of repurchase agreements	1.20		%

Schedule of repurchase agreements remaining contractual maturity of the agreements



	Remaining Contractual Maturity of the Agreements
	Overnight and
As of June 30, 2018	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total
Mortgage-backed securities	$	—	$	—	$	—	$	50,000	$	50,000

Total	$	—	$	—	$	—	$	50,000	$	50,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	50,000
Amounts related to agreements not included in offsetting disclosure									$	—



	Remaining Contractual Maturity of the Agreements
	Overnight and
As of December 31, 2017	Continuous		Up to 30 Days		30 to 90 Days		91 to 110 days		Total
Mortgage-backed securities	$	—	$	—	$	100,000	$	—	$	100,000

Total	$	—	$	—	$	100,000	$	—	$	100,000

Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure									$	100,000
Amounts related to agreements not included in offsetting disclosure									$	—

Securities (Tables)

6 Months Ended

Jun. 30, 2018

Investments, Debt and Equity Securities [Abstract]

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

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).



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2018

State and political subdivisions	$	71,125	$	954	$	1,238	$	70,841
Mortgage-backed securities⁽¹⁾	226,444		987		6,809		220,622

Total	$	297,569	$	1,941	$	8,047	$	291,463

As of December 31, 2017

State and political subdivisions	$	71,959	$	1,574	$	178	$	73,355
Mortgage-backed securities⁽¹⁾	249,135		2,211		3,425		247,921

Total	$	321,094	$	3,785	$	3,603	$	321,276

⁽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

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).



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of June 30, 2018

U.S. Treasuries	$	122,290	$	—	$	3,251	$	119,039
U.S. Government agencies	25,778		240		440		25,578
State and political subdivisions	200,486		123		2,978		197,631
Mortgage-backed securities⁽¹⁾	1,844,310		1,992		39,441		1,806,861
Corporate bonds	199,303		793		1,931		198,165
Asset-backed securities	189,067		610		714		188,963
Other	57		—		—		57

Total	$	2,581,291	$	3,758	$	48,755	$	2,536,294

As of December 31, 2017

U.S. Treasuries	$	122,025	$	—	$	912	$	121,113
U.S. Government agencies	26,129		269		26		26,372
State and political subdivisions	195,663		2,019		396		197,286
Mortgage-backed securities⁽¹⁾	1,738,056		7,089		17,934		1,727,211
Corporate bonds	305,265		1,513		425		306,353
Asset-backed securities	236,533		1,078		153		237,458
Other	57		—		—		57

Total	$	2,623,728	$	11,968	$	19,846	$	2,615,850

⁽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

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
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2018

State and political subdivisions	$	43,131	$	1,238	$	—	$	—	$	43,131	$	1,238
Mortgage-backed securities	82,473		2,856		79,198		3,953		161,671		6,809
Total unrealized loss position	$	125,604	$	4,094	$	79,198	$	3,953	$	204,802	$	8,047

As of December 31, 2017

State and political subdivisions	$	8,969	$	178	$	—	$	—	$	8,969	$	178
Mortgage-backed securities	95,353		1,448		65,868		1,977		161,221		3,425
Total unrealized loss position	$	104,322	$	1,626	$	65,868	$	1,977	$	170,190	$	3,603

Schedule of available for sale securities in an unrealized loss position

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
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of June 30, 2018

U.S. Treasuries	$	119,039	$	3,251	$	—	$	—	$	119,039	$	3,251
U.S. Government agencies	19,790		413		1,624		27		21,414		440
State and political subdivisions	171,147		2,899		5,061		79		176,208		2,978
Mortgage-backed securities	1,212,603		24,160		339,456		15,281		1,552,059		39,441
Corporate bonds	116,563		1,921		990		10		117,553		1,931
Asset-backed securities	75,232		714		—		—		75,232		714
Total unrealized loss position	$	1,714,374	$	33,358	$	347,131	$	15,397	$	2,061,505	$	48,755

As of December 31, 2017

U.S. Treasuries	$	121,113	$	912	$	—	$	—	$	121,113	$	912
U.S. Government agencies	1,976		13		1,677		13		3,653		26
State and political subdivisions	61,494		365		5,131		31		66,625		396
Mortgage-backed securities	964,205		8,699		328,923		9,235		1,293,128		17,934
Corporate bonds	55,916		325		900		100		56,816		425
Asset-backed securities	28,695		126		5,031		27		33,726		153
Total unrealized loss position	$	1,233,399	$	10,440	$	341,662	$	9,406	$	1,575,061	$	19,846

Schedule of summary of securities sales activities

The following table summarizes available-for-sale securities sales activity for the three and six months ended June 30, 2018 and 2017 (in thousands).



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017

Proceeds from sales	$	26,335		$	70,453		$	140,296		$	94,650

Gross gains on sales	$	232		$	227		$	649		$	325
Gross losses on sales	(596		)	(223		)	(1,953		)	(323		)

Net (losses) gains on sales of securities	$	(364	)	$	4		$	(1,304	)	$	2

Income tax benefit attributable to sales	$	(97	)	$	—		$	(317	)	$	(1	)

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

The amortized cost and fair value of held-to-maturity and available-for-sale securities at June 30, 2018, 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	$	74,525	$	72,568	$	—	$	—
5 to 10 years	47,765		46,471		—		—
	122,290		119,039		—		—

US Government agencies:
1 to 5 years	20,854		20,422		—		—
More than 10 years	4,924		5,156		—		—
	25,778		25,578		—		—

State and political subdivisions:
Within 1 year	1,500		1,510		5,929		5,991
1 to 5 years	44,769		44,024		10,670		10,960
5 to 10 years	26,393		25,908		10,157		10,759
More than 10 years	127,824		126,189		44,369		43,131
	200,486		197,631		71,125		70,841

Corporate bonds:
1 to 5 years	181,027		180,412		—		—
5 to 10 years	17,276		16,763		—		—
More than 10 years	1,000		990		—		—
	199,303		198,165		—		—

Asset-backed securities:
1 to 5 years	5,624		5,771		—		—
5 to 10 years	31,025		31,105		—		—
More than 10 years	152,418		152,087		—		—
	189,067		188,963		—		—

Other:
More than 10 years	57		57		—		—
	57		57		—		—

Total securities other than mortgage-backed securities:
Within 1 year	1,500		1,510		5,929		5,991
1 to 5 years	326,799		323,197		10,670		10,960
5 to 10 years	122,459		120,247		10,157		10,759
More than 10 years	286,223		284,479		44,369		43,131

Mortgage-backed securities	1,844,310		1,806,861		226,444		220,622

	$	2,581,291	$	2,536,294	$	297,569	$	291,463

- 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 Leases and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2018

Receivables [Abstract]

Schedule of major classifications of loans and lease portfolio

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows (in thousands).



	June 30, 2018			December 31, 2017
Owner occupied commercial real estate	$	1,681,737		$	1,923,993
Income producing commercial real estate	1,821,384			1,595,174
Commercial & industrial	1,193,046			1,130,990
Commercial construction	735,575			711,936
Equipment financing	464,594			—
Total commercial	5,896,336			5,362,093
Residential mortgage	1,020,606			973,544
Home equity lines of credit	707,718			731,227
Residential construction	195,580			183,019
Consumer direct	122,756			127,504
Indirect auto	277,275			358,185

Total loans	8,220,271			7,735,572

Less allowance for loan losses	(61,071		)	(58,914		)

Loans, net	$	8,159,200		$	7,676,658

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

The following table presents changes in the value of the accretable yield for PCI loans for the periods indicated (in thousands):



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017
Balance at beginning of period	$	18,036		$	7,762		$	17,686		$	7,981
Additions due to acquisitions	147			—			1,977			—
Accretion	(2,965		)	(1,412		)	(5,511		)	(3,102		)
Reclassification from nonaccretable difference	6,527			3,827			7,118			4,716
Changes in expected cash flows that do not affect nonaccretable difference	1,661			1,188			2,136			1,770
Balance at end of period	$	23,406		$	11,365		$	23,406		$	11,365

Schedule of net investment in leases

At June 30, 2018, equipment financing assets included leases of $25.5 million. The components of the net investment in leases are presented below (in thousands).



	June 30, 2018

Minimum future lease payments receivable	$	26,396
Estimated residual value of leased equipment	3,314
Initial direct costs	764
Security deposits	(1,192		)
Purchase accounting premium	1,197
Unearned income	(4,930		)
Net investment in leases	$	25,549

Schedule of minimum future lease payments received from lease contracts

Minimum future lease payments expected to be received from lease contracts as of June 30, 2018 are as follows (in thousands):



Year
Remainder of 2018	$	5,900
2019	9,325
2020	6,396
2021	3,185
2022	1,373
Thereafter	217
Total	$	26,396

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

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



	2018												2017
Three Months Ended June 30,	Beginning Balance		Charge-Offs			Recoveries		(Release)Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	14,561	$	(7	)	$	585	$	(2,230	)	$	12,909	$	15,669	$	(158	)	$	120	$	(209	)	$	15,422
Income producing commercial real estate	9,776		(1,653		)	232		2,507			10,862		8,878		(203		)	20		659			9,354
Commercial & industrial	4,075		(233		)	217		146			4,205		3,725		(598		)	244		249			3,620
Commercial construction	10,034		(53		)	159		(17		)	10,123		12,790		(361		)	20		(1,411		)	11,038
Equipment financing	2,291		(23		)	71		1,222			3,561		—		—			—		—			—
Residential mortgage	10,221		(112		)	101		(365		)	9,845		9,071		(131		)	105		753			9,798
Home equity lines of credit	4,932		(211		)	190		32			4,943		4,530		(424		)	171		313			4,590
Residential construction	3,044		(8		)	67		(513		)	2,590		3,267		(70		)	123		(236		)	3,084
Consumer direct	733		(552		)	195		389			765		609		(457		)	195		237			584
Indirect auto	1,418		(379		)	55		174			1,268		2,004		(313		)	94		225			2,010
Total allowance for loan losses	61,085		(3,231		)	1,872		1,345			61,071		60,543		(2,715		)	1,092		580			59,500
Allowance for unfunded commitments	2,440		—			—		455			2,895		2,002		—			—		220			2,222
Total allowance for credit losses	$	63,525	$	(3,231	)	$	1,872	$	1,800		$	63,966	$	62,545	$	(2,715	)	$	1,092	$	800		$	61,722



	2018												2017
Six Months Ended June 30,	Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	14,776	$	(67	)	$	688	$	(2,488	)	$	12,909	$	16,446	$	(183	)	$	357	$	(1,198	)	$	15,422
Income producing commercial real estate	9,381		(2,310		)	467		3,324			10,862		8,843		(1,100		)	47		1,564			9,354
Commercial & industrial	3,971		(617		)	606		245			4,205		3,810		(814		)	612		12			3,620
Commercial construction	10,523		(416		)	256		(240		)	10,123		13,405		(563		)	592		(2,396		)	11,038
Equipment financing	—		(162		)	168		3,555			3,561		—		—			—		—			—
Residential mortgage	10,097		(182		)	224		(294		)	9,845		8,545		(673		)	117		1,809			9,798
Home equity lines of credit	5,177		(335		)	225		(124		)	4,943		4,599		(895		)	220		666			4,590
Residential construction	2,729		(8		)	131		(262		)	2,590		3,264		(70		)	132		(242		)	3,084
Consumer direct	710		(1,203		)	355		903			765		708		(899		)	402		373			584
Indirect auto	1,550		(815		)	135		398			1,268		1,802		(733		)	149		792			2,010
Total allowance for loan losses	58,914		(6,115		)	3,255		5,017			61,071		61,422		(5,930		)	2,628		1,380			59,500
Allowance for unfunded commitments	2,312		—			—		583			2,895		2,002		—			—		220			2,222
Total allowance for credit losses	$	61,226	$	(6,115	)	$	3,255	$	5,600		$	63,966	$	63,424	$	(5,930	)	$	2,628	$	1,600		$	61,722



	Allowance for Credit Losses
	June 30, 2018								December 31, 2017
	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	$	985	$	11,647	$	277	$	12,909	$	1,255	$	13,521	$	—	$	14,776
Income producing commercial real estate	609		10,193		60		10,862		562		8,813		6		9,381
Commercial & industrial	35		4,135		35		4,205		27		3,944		—		3,971
Commercial construction	98		10,025		—		10,123		156		10,367		—		10,523
Equipment financing	—		3,561		—		3,561		—		—		—		—
Residential mortgage	1,007		8,838		—		9,845		1,174		8,919		4		10,097
Home equity lines of credit	—		4,943		—		4,943		—		5,177		—		5,177
Residential construction	52		2,538		—		2,590		75		2,654		—		2,729
Consumer direct	6		758		1		765		7		700		3		710
Indirect auto	29		1,239		—		1,268		—		1,550		—		1,550
Total allowance for loan losses	2,821		57,877		373		61,071		3,256		55,645		13		58,914
Allowance for unfunded commitments	—		2,895		—		2,895		—		2,312		—		2,312
Total allowance for credit losses	$	2,821	$	60,772	$	373	$	63,966	$	3,256	$	57,957	$	13	$	61,226



	Loans Outstanding
	June 30, 2018								December 31, 2017
	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	$	18,932	$	1,649,437	$	13,368	$	1,681,737	$	21,823	$	1,876,411	$	25,759	$	1,923,993
Income producing commercial real estate	16,245		1,762,960		42,179		1,821,384		16,483		1,533,851		44,840		1,595,174
Commercial & industrial	1,510		1,190,900		636		1,193,046		2,654		1,126,894		1,442		1,130,990
Commercial construction	3,528		725,474		6,573		735,575		3,813		699,266		8,857		711,936
Equipment financing	—		452,620		11,974		464,594		—		—		—		—
Residential mortgage	14,012		995,072		11,522		1,020,606		14,193		946,210		13,141		973,544
Home equity lines of credit	232		705,591		1,895		707,718		101		728,235		2,891		731,227
Residential construction	1,498		193,156		926		195,580		1,577		180,978		464		183,019
Consumer direct	249		121,737		770		122,756		270		126,114		1,120		127,504
Indirect auto	1,215		276,060		—		277,275		1,396		356,789		—		358,185
Total loans	$	57,421	$	8,073,007	$	89,843	$	8,220,271	$	62,310	$	7,574,748	$	98,514	$	7,735,572

Schedule of recorded investments in individually evaluated impaired loans

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



	June 30, 2018						December 31, 2017
	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	$	8,292	$	6,763	$	—	$	1,238	$	1,176	$	—
Income producing commercial real estate	7,568		7,496		—		2,177		2,165		—
Commercial & industrial	160		123		—		1,758		1,471		—
Commercial construction	564		558		—		134		134		—
Equipment financing	—		—		—		—		—		—
Total commercial	16,584		14,940		—		5,307		4,946		—
Residential mortgage	5,125		4,520		—		2,661		2,566		—
Home equity lines of credit	284		229		—		393		101		—
Residential construction	712		576		—		405		330		—
Consumer direct	49		49		—		29		29		—
Indirect auto	139		137		—		1,396		1,396		—
Total with no related allowance recorded	22,893		20,451		—		10,191		9,368		—

With an allowance recorded:
Owner occupied commercial real estate	12,665		12,169		985		21,262		20,647		1,255
Income producing commercial real estate	9,017		8,749		609		14,419		14,318		562
Commercial & industrial	1,776		1,387		35		1,287		1,183		27
Commercial construction	3,216		2,970		98		3,917		3,679		156
Equipment financing	—		—		—		—		—		—
Total commercial	26,674		25,275		1,727		40,885		39,827		2,000
Residential mortgage	9,576		9,492		1,007		12,086		11,627		1,174
Home equity lines of credit	4		3		—		—		—		—
Residential construction	933		922		52		1,325		1,247		75
Consumer direct	207		200		6		244		241		7
Indirect auto	1,079		1,078		29		—		—		—
Total with an allowance recorded	38,473		36,970		2,821		54,540		52,942		3,256
Total	$	61,366	$	57,421	$	2,821	$	64,731	$	62,310	$	3,256

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



	New TDRs
		Pre-modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment by Type of Modification								TDRs Modified Within the Previous Twelve Months That Have Subsequently Defaulted
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Rate Reduction		Structure		Other		Total		Number of Contracts	Recorded Investment
Three Months Ended June 30, 2018

Owner occupied commercial real estate	1	$	282	$	—	$	282	$	—	$	282	1	$	283
Income producing commercial real estate	1	106		106		—		—		106		—	—
Commercial & industrial	1	27		—		27		—		27		—	—
Commercial construction	—	—		—		—		—		—		1	3
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	3	415		106		309		—		415		2	286
Residential mortgage	2	425		—		424		—		424		1	101
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	17	236		—		—		236		236		—	—
Total loans	22	$	1,076	$	106	$	733	$	236	$	1,075	3	$	387

Six Months Ended June 30, 2018

Owner occupied commercial real estate	4	$	1,276	$	—	$	1,260	$	—	$	1,260	3	$	1,869
Income producing commercial real estate	1	106		106		—		—		106		—	—
Commercial & industrial	2	108		—		32		—		32		—	—
Commercial construction	—	—		—		—		—		—		1	3
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	7	1,490		106		1,292		—		1,398		4	1,872
Residential mortgage	4	765		—		764		—		764		1	101
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	17	236		—		—		236		236		—	—
Total loans	28	$	2,491	$	106	$	2,056	$	236	$	2,398	5	$	1,973

Three Months Ended June 30, 2017

Owner occupied commercial real estate	3	$	1,860	$	—	$	1,860	$	—	$	1,860	—	$	—
Income producing commercial real estate	1	226		—		—		226		226		—	—
Commercial & industrial	1	28		—		28		—		28		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	5	2,114		—		1,888		226		2,114		—	—
Residential mortgage	5	483		—		483		—		483		—	—
Home equity lines of credit	1	296		—		—		176		176		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	11	$	2,893	$	—	$	2,371	$	402	$	2,773	—	$	—

Six Months Ended June 30, 2017

Owner occupied commercial real estate	3	$	1,860	$	—	$	1,860	$	—	$	1,860	—	$	—
Income producing commercial real estate	1	226		—		—		226		226		—	—
Commercial & industrial	2	53		—		53		—		53		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	6	2,139		—		1,913		226		2,139		—	—
Residential mortgage	12	836		—		836		—		836		2	655
Home equity lines of credit	1	296		—		—		176		176		—	—
Residential construction	1	40		40		—		—		40		—	—
Consumer direct	1	6		—		6		—		6		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	21	$	3,317	$	40	$	2,755	$	402	$	3,197	2	$	655

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



	2018						2017
Three Months Ended June 30,	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	$	19,353	$	235	$	236	$	30,825	$	371	$	376
Income producing commercial real estate	16,408		215		212		28,768		359		347
Commercial & industrial	1,542		25		24		1,877		26		17
Commercial construction	3,564		47		44		6,670		70		77
Equipment financing	—		—		—		—		—		—
Total commercial	40,867		522		516		68,140		826		817
Residential mortgage	14,115		157		161		14,742		130		147
Home equity lines of credit	235		5		4		552		2		4
Residential construction	1,516		25		24		1,563		23		24
Consumer direct	256		5		5		307		6		6
Indirect auto	1,283		17		17		1,137		14		14
Total	$	58,272	$	731	$	727	$	86,441	$	1,001	$	1,012

Six Months Ended June 30,
Owner occupied commercial real estate	$	22,006	$	480	$	516	$	30,342	$	716	$	712
Income producing commercial real estate	16,421		425		447		28,589		710		692
Commercial & industrial	2,069		65		66		1,908		53		45
Commercial construction	3,750		98		96		5,836		123		130
Equipment financing	—		—		—		—		—		—
Total commercial	44,246		1,068		1,125		66,675		1,602		1,579
Residential mortgage	14,554		306		311		14,175		268		290
Home equity lines of credit	290		9		8		308		3		5
Residential construction	1,553		49		48		1,591		46		47
Consumer direct	274		10		10		297		11		12
Indirect auto	1,301		34		34		1,130		28		28
Total	$	62,218	$	1,476	$	1,536	$	84,176	$	1,958	$	1,961

Schedule of recorded investment in nonaccrual loans by loan class

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



	June 30, 2018		December 31, 2017
Owner occupied commercial real estate	$	5,772	$	4,923
Income producing commercial real estate	991		3,208
Commercial & industrial	2,180		2,097
Commercial construction	613		758
Equipment financing	1,075		—
Total commercial	10,631		10,986
Residential mortgage	7,918		8,776
Home equity lines of credit	1,812		2,024
Residential construction	637		192
Consumer direct	68		43
Indirect auto	751		1,637
Total	$	21,817	$	23,658

Schedule of aging of the recorded investment in past due loans

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
As of June 30, 2018	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	5,007	$	822	$	2,553	$	8,382	$	1,659,987	$	13,368	$	1,681,737
Income producing commercial real estate	2,045		269		49		2,363		1,776,842		42,179		1,821,384
Commercial & industrial	2,450		576		714		3,740		1,188,670		636		1,193,046
Commercial construction	992		343		253		1,588		727,414		6,573		735,575
Equipment financing	346		465		1,075		1,886		450,734		11,974		464,594
Total commercial	10,840		2,475		4,644		17,959		5,803,647		74,730		5,896,336
Residential mortgage	6,470		2,284		2,684		11,438		997,646		11,522		1,020,606
Home equity lines of credit	2,113		797		500		3,410		702,413		1,895		707,718
Residential construction	757		92		493		1,342		193,312		926		195,580
Consumer direct	536		142		1		679		121,307		770		122,756
Indirect auto	731		132		601		1,464		275,811		—		277,275
Total loans	$	21,447	$	5,922	$	8,923	$	36,292	$	8,094,136	$	89,843	$	8,220,271



	Loans Past Due
As of December 31, 2017	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	3,810	$	1,776	$	1,530	$	7,116	$	1,891,118	$	25,759	$	1,923,993
Income producing commercial real estate	1,754		353		1,939		4,046		1,546,288		44,840		1,595,174
Commercial & industrial	2,139		869		1,133		4,141		1,125,407		1,442		1,130,990
Commercial construction	568		132		158		858		702,221		8,857		711,936
Equipment financing	—		—		—		—		—		—		—
Total commercial	8,271		3,130		4,760		16,161		5,265,034		80,898		5,362,093
Residential mortgage	6,717		1,735		3,438		11,890		948,513		13,141		973,544
Home equity lines of credit	3,246		225		578		4,049		724,287		2,891		731,227
Residential construction	885		105		93		1,083		181,472		464		183,019
Consumer direct	739		133		—		872		125,512		1,120		127,504
Indirect auto	1,152		459		1,263		2,874		355,311		—		358,185
Total loans	$	21,010	$	5,787	$	10,132	$	36,929	$	7,600,129	$	98,514	$	7,735,572

Schedule of risk category of loans by class of 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).



	Pass		Watch		Substandard		Doubtful / Loss		Total
As of June 30, 2018
Owner occupied commercial real estate	$	1,607,152	$	21,030	$	40,187	$	—	$	1,668,369
Income producing commercial real estate	1,738,757		19,989		20,459		—		1,779,205
Commercial & industrial	1,158,458		14,103		19,849		—		1,192,410
Commercial construction	696,187		24,575		8,240		—		729,002
Equipment financing	451,545		—		1,075		—		452,620
Total commercial	5,652,099		79,697		89,810		—		5,821,606
Residential mortgage	989,403		—		19,681		—		1,009,084
Home equity lines of credit	699,455		—		6,368		—		705,823
Residential construction	192,656		—		1,998		—		194,654
Consumer direct	121,493		—		493		—		121,986
Indirect auto	275,233		—		2,042		—		277,275
Total loans, excluding PCI loans	$	7,930,339	$	79,697	$	120,392	$	—	$	8,130,428

Owner occupied commercial real estate	$	2,586	$	3,027	$	7,755	$	—	$	13,368
Income producing commercial real estate	12,918		22,609		6,652		—		42,179
Commercial & industrial	258		227		151		—		636
Commercial construction	3,345		753		2,475		—		6,573
Equipment financing	11,154		—		820		—		11,974
Total commercial	30,261		26,616		17,853		—		74,730
Residential mortgage	8,167		148		3,207		—		11,522
Home equity lines of credit	1,334		—		561		—		1,895
Residential construction	473		247		206		—		926
Consumer direct	697		—		73		—		770
Indirect auto	—		—		—		—		—
Total PCI loans	$	40,932	$	27,011	$	21,900	$	—	$	89,843

Total loan portfolio	$	7,971,271	$	106,708	$	142,292	$	—	$	8,220,271

As of December 31, 2017
Owner occupied commercial real estate	$	1,833,469	$	33,571	$	31,194	$	—	$	1,898,234
Income producing commercial real estate	1,495,805		30,780		23,749		—		1,550,334
Commercial & industrial	1,097,907		18,052		13,589		—		1,129,548
Commercial construction	693,873		2,947		6,259		—		703,079
Equipment financing	—		—		—		—		—
Total commercial	5,121,054		85,350		74,791		—		5,281,195
Residential mortgage	939,706		—		20,697		—		960,403
Home equity lines of credit	721,142		—		7,194		—		728,336
Residential construction	180,567		—		1,988		—		182,555
Consumer direct	125,860		—		524		—		126,384
Indirect auto	354,788		—		3,397		—		358,185
Total loans, excluding PCI loans	$	7,443,117	$	85,350	$	108,591	$	—	$	7,637,058

Owner occupied commercial real estate	$	2,400	$	8,163	$	15,196	$	—	$	25,759
Income producing commercial real estate	13,392		21,928		9,520		—		44,840
Commercial & industrial	383		672		387		—		1,442
Commercial construction	3,866		2,228		2,763		—		8,857
Equipment financing	—		—		—		—		—
Total commercial	20,041		32,991		27,866		—		80,898
Residential mortgage	9,566		173		3,402		—		13,141
Home equity lines of credit	1,579		427		885		—		2,891
Residential construction	423		—		41		—		464
Consumer direct	1,076		10		34		—		1,120
Indirect auto	—		—		—		—		—
Total PCI loans	$	32,685	$	33,601	$	32,228	$	—	$	98,514

Total loan portfolio	$	7,475,802	$	118,951	$	140,819	$	—	$	7,735,572

Reclassifications Out of Accumulated Other Comprehensive Income (Tables)

6 Months Ended

Jun. 30, 2018

Equity [Abstract]

Schedule of 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 Comprehensive Income Components	Three Months Ended June 30,						Six Months Ended June 30,						Affected Line Item in the Statement Where Net Income is Presented
	2018			2017			2018			2017
Realized (losses) gains on available-for-sale securities:
	$	(364	)	$	4		$	(1,304	)	$	2		Securities (losses) gains, net
	97			—			317			1			Income tax benefit
	$	(267	)	$	4		$	(987	)	$	3		Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity:
	$	(218	)	$	(261	)	$	(439	)	$	(571	)	Investment securities interest revenue
	55			98			109			214			Income tax benefit
	$	(163	)	$	(163	)	$	(330	)	$	(357	)	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	$	(143	)	$	(149	)	$	(290	)	$	(298	)	Money market deposit interest expense
Amortization of losses on de-designated positions	—			(28		)	—			(292		)	Federal Home Loan Bank advances interest expense
	(143		)	(177		)	(290		)	(590		)	Total before tax
	38			69			76			230			Income tax benefit
	$	(105	)	$	(108	)	$	(214	)	$	(360	)	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	$	(167	)	$	(140	)	$	(334	)	$	(280	)	Salaries and employee benefits expense
Actuarial losses	(60		)	—			(120		)	—			Other expense
Actuarial losses	—			(60		)	—			(120		)	Salaries and employee benefits expense
	(227		)	(200		)	(454		)	(400		)	Total before tax
	73			78			131			157			Income tax benefit
	$	(154	)	$	(122	)	$	(323	)	$	(243	)	Net of tax
Total reclassifications for the period	$	(689	)	$	(389	)	$	(1,854	)	$	(4,357	)	Net of tax

Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2018

Earnings Per Share [Abstract]

Schedule of computation of basic and diluted earnings per share

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 June 30,					Six Months Ended June 30,
	2018			2017		2018			2017
Net income	$	39,634		$	28,267	$	77,292		$	51,791
Dividends and undistributed earnings allocated to unvested shares	(275		)	—		(552		)	—
Net income available to common shareholders	$	39,359		$	28,267	$	76,740		$	51,791

Weighted average shares outstanding:
Basic	79,745			71,810		79,477			71,798
Effect of dilutive securities
Stock options	10			10		10			11
Diluted	79,755			71,820		79,487			71,809

Net income per common share:
Basic	$	0.49		$	0.39	$	0.97		$	0.72
Diluted	$	0.49		$	0.39	$	0.97		$	0.72

Derivatives and Hedging Activities (Tables)

6 Months Ended

Jun. 30, 2018

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of derivative financial instruments on consolidated balance sheet

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



Interest Rate Products	Balance Sheet Location	June 30, 2018		December 31, 2017
Fair value hedge of corporate bonds	Derivative assets	$	—	$	336
		$	—	$	336

Fair value hedge of brokered CDs	Derivative liabilities	$	2,425	$	2,053
		$	2,425	$	2,053

Derivatives not designated as hedging instruments under ASC 815



		Fair Value
Interest Rate Products	Balance Sheet Location	June 30, 2018		December 31, 2017
Customer derivative positions	Derivative assets	$	951	$	2,659
Dealer offsets to customer derivative positions	Derivative assets	14,433		6,867
Mortgage banking - loan commitment	Derivative assets	1,764		1,150
Mortgage banking - forward sales commitment	Derivative assets	2		13
Bifurcated embedded derivatives	Derivative assets	12,746		11,057
Interest rate caps	Derivative assets	—		639
		$	29,896	$	22,385

Customer derivative positions	Derivative liabilities	$	18,489	$	7,032
Dealer offsets to customer derivative positions	Derivative liabilities	217		1,551
Risk participations	Derivative liabilities	8		20
Mortgage banking - forward sales commitment	Derivative liabilities	189		49
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities	15,471		14,279
De-designated hedges	Derivative liabilities	462		392
		$	34,836	$	23,323

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

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



	Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)
	Location	2018			2017
Three Months Ended June 30,

Interest rate swaps	Interest expense	$	(143	)	$	(177	)

Six Months Ended June 30,

Interest rate swaps	Interest expense	$	(290	)	$	(590	)

Schedule of derivatives in fair value on the consolidated statement of income

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 (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative						Amount of Gain (Loss) Recognized in Income on Hedged Item
	Location of Gain (Loss) Recognized in Income on Derivative	2018			2017			2018		2017
Three Months Ended June 30,
Fair value hedges of brokered CDs	Interest expense	$	(144	)	$	73		$	25	$	(344	)
Fair value hedges of corporate bonds	Interest revenue	—			(323		)	—		267
		$	(144	)	$	(250	)	$	25	$	(77	)

Six Months Ended June 30,
Fair value hedges of brokered CDs	Interest expense	$	(837	)	$	(201	)	$	569	$	(155	)
Fair value hedges of corporate bonds	Interest revenue	(336		)	(217		)	405		121
		$	(1,173	)	$	(418	)	$	974	$	(34	)

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

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 (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative
	Location of Gain (Loss) Recognized in Income on Derivative	2018			2017
Three Months Ended June 30,
Customer derivatives and dealer offsets	Other noninterest income	$	643		$	775
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	12			119
Interest rate caps	Other noninterest income	—			90
De-designated hedges	Other noninterest income	(17		)	28
Mortgage banking derivatives	Mortgage loan revenue	156			(1,000		)
Risk participations	Other noninterest income	15			1
		$	809		$	13

Six Months Ended June 30,
Customer derivatives and dealer offsets	Other noninterest income	$	1,417		$	1,250
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	381			206
Interest rate caps	Other noninterest income	276			90
De-designated hedges	Other noninterest income	(83		)	4
Mortgage banking derivatives	Mortgage loan revenue	1,420			(876		)
Risk participations	Other noninterest income	12			5
		$	3,423		$	679

Stock-Based Compensation (Tables)

6 Months Ended

Jun. 30, 2018

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Schedule of stock option activity

The following table shows stock option activity for the first six months of 2018.



Options	Shares		Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2017	60,287		$	24.12
Exercised	(12,000	)	11.85
Cancelled/forfeited	(181	)	31.50
Outstanding at June 30, 2018	48,106		27.16		2.4	$	169

Exercisable at June 30, 2018	45,606		27.73		2.1	134

Schedule of restricted stock units activity

The table below presents restricted stock units activity for the first six months of 2018.



Restricted Stock Unit Awards	Shares		Weighted- Average Grant- Date Fair Value		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2017	663,817		$	22.40
Granted	206,123		31.07
Vested	(124,551	)	18.53			$	3,998
Cancelled	(13,665	)	21.95
Outstanding at June 30, 2018	731,724		25.51		5.4	22,442

Assets and Liabilities Measured at Fair Value (Tables)

6 Months Ended

Jun. 30, 2018

Fair Value Disclosures [Abstract]

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



June 30, 2018	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale:
U.S. Treasuries	$	119,039	$	—	$	—	$	119,039
U.S. Agencies	—		25,578		—		25,578
State and political subdivisions	—		197,631		—		197,631
Mortgage-backed securities	—		1,806,861		—		1,806,861
Corporate bonds	—		197,175		990		198,165
Asset-backed securities	—		188,963		—		188,963
Other	—		57		—		57
Mortgage loans held for sale	—		34,813		—		34,813
Deferred compensation plan assets	6,199		—		—		6,199
Servicing rights for SBA/USDA loans	—		—		7,509		7,509
Residential mortgage servicing rights	—		—		10,801		10,801
Derivative financial instruments	—		15,386		14,510		29,896

Total assets	$	125,238	$	2,466,464	$	33,810	$	2,625,512

Liabilities:
Deferred compensation plan liability	$	6,199	$	—	$	—	$	6,199
Derivative financial instruments	—		18,895		18,366		37,261

Total liabilities	$	6,199	$	18,895	$	18,366	$	43,460



December 31, 2017	Level 1		Level 2		Level 3		Total
Assets:
Securities available for sale
U.S. Treasuries	$	121,113	$	—	$	—	$	121,113
U.S. Agencies	—		26,372		—		26,372
State and political subdivisions	—		197,286		—		197,286
Mortgage-backed securities	—		1,727,211		—		1,727,211
Corporate bonds	—		305,453		900		306,353
Asset-backed securities	—		237,458		—		237,458
Other	—		57		—		57
Mortgage loans held for sale	—		26,252		—		26,252
Deferred compensation plan assets	5,716		—		—		5,716
Servicing rights for SBA/USDA loans	—		—		7,740		7,740
Residential mortgage servicing rights	—		—		8,262		8,262
Derivative financial instruments	—		10,514		12,207		22,721

Total assets	$	126,829	$	2,530,603	$	29,109	$	2,686,541

Liabilities:
Deferred compensation plan liability	$	5,716	$	—	$	—	$	5,716
Derivative financial instruments	—		8,632		16,744		25,376

Total liabilities	$	5,716	$	8,632	$	16,744	$	31,092

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



	2018														2017
	Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Securities Available- for-Sale		Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Securities Available- for-Sale
Three Months Ended June 30,
Balance at beginning of period	$	13,877		$	17,788		$	7,470		$	9,718		$	900	$	12,649		$	16,580		$	5,997		$	5,971		$	675
Additions	—			—			613			1,182			—		—			—			668			947			—
Sales and settlements	—			—			(316		)	(126		)	—		(702		)	(964		)	(36		)	(74		)	—
Other comprehensive income	—			—			—			—			90		—			—			—			—			135
Amounts included in earnings - fair value adjustments	633			578			(258		)	27			—		(91		)	475			11			(345		)	—
Balance at end of period	$	14,510		$	18,366		$	7,509		$	10,801		$	990	$	11,856		$	16,091		$	6,640		$	6,499		$	810

Six Months Ended June 30,
Balance at beginning of period	$	12,207		$	16,744		$	7,740		$	8,262		$	900	$	11,777		$	16,347		$	5,752		$	—		$	675
Business combinations	—			—			(354		)	—			—		—			—			—			—			—
Transfer from amortization method to fair value	—			—			—			—			—		—			—			—			5,070			—
Additions	—			—			1,092			2,108			—		—			—			1,221			1,813			—
Sales and settlements	(1,029		)	(1,347		)	(407		)	(206		)	—		(1,086		)	(1,514		)	(299		)	(114		)	—
Other comprehensive income	—			—			—			—			90		—			—			—			—			135
Amounts included in earnings - fair value adjustments	3,332			2,969			(562		)	637			—		1,165			1,258			(34		)	(270		)	—
Balance at end of period	$	14,510		$	18,366		$	7,509		$	10,801		$	990	$	11,856		$	16,091		$	6,640		$	6,499		$	810

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

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 and Liabilities	June 30, 2018		December 31, 2017		Valuation Technique		June 30, 2018		December 31, 2017
Level 3 Assets and Liabilities	June 30, 2018		December 31, 2017		Valuation Technique	Unobservable Inputs	June 30, 2018		December 31, 2017
Servicing rights for SBA/USDA loans	$	7,509	$	7,740	Discounted cash flow	Discount rate	12.7	%	12.5	%
						Prepayment rate	10.1		8.3
Residential mortgage servicing rights	10,801		8,262		Discounted cash flow	Discount rate	10.0		10.0
						Prepayment rate	8.6		9.5
Corporate bonds	990		900		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	1,764		1,150		Internal model	Pull through rate	81.1		80.0
Derivative assets - other	12,746		11,057		Dealer priced	Dealer priced	N/A		N/A
Derivative liabilities - risk participations	8		20		Internal model	Probable exposure rate	0.5		0.4
						Probability of default rate	1.8		1.8
Derivative liabilities - other	18,358		16,724		Dealer priced	Dealer priced	N/A		N/A

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

The following table presents the fair value hierarchy and carrying value of all assets that were still held as of June 30, 2018 and December 31, 2017, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented (in thousands).



	Level 1		Level 2		Level 3		Total
June 30, 2018
Loans	$	—	$	—	$	6,570	$	6,570

December 31, 2017
Loans	$	—	$	—	$	6,905	$	6,905

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

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
	Amount		Level 1		Level 2		Level 3		Total
June 30, 2018
Assets:
Securities held to maturity	$	297,569	$	—	$	291,463	$	—	$	291,463
Loans and leases, net	8,159,200		—		—		8,132,734		8,132,734

Liabilities:
Deposits	9,966,088		—		9,958,439		—		9,958,439
Federal Home Loan Bank advances	560,000		—		559,979		—		559,979
Long-term debt	308,434		—		—		321,424		321,424

December 31, 2017
Assets:
Securities held to maturity	$	321,094	$	—	$	321,276	$	—	$	321,276
Loans, net	7,676,658		—		—		7,674,460		7,674,460
Loans held for sale	6,482		—		6,514		—		6,514

Liabilities:
Deposits	9,807,697		—		9,809,264		—		9,809,264
Federal Home Loan Bank advances	504,651		—		504,460		—		504,460
Long-term debt	120,545		—		—		123,844		123,844

Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2018

Commitments and Contingencies Disclosure [Abstract]

Schedule of contractual amount of off-balance sheet instruments

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



	June 30, 2018		December 31, 2017
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	2,047,081	$	1,910,777
Letters of credit	26,396		28,075

Goodwill and Other Intangible Assets (Tables)

6 Months Ended

Jun. 30, 2018

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of carrying amount of goodwill and other intangible assets

The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below (in thousands):



	June 30, 2018			December 31, 2017
Core deposit intangible	$	62,652		$	62,652
Less: accumulated amortization	(43,786		)	(41,229		)
Net core deposit intangible	18,866			21,423
Noncompete agreements	3,144			3,144
Less: accumulated amortization	(1,948		)	(761		)
Net noncompete agreements	1,196			2,383
Total intangibles subject to amortization, net	20,062			23,806
Goodwill	307,112			220,591
Total goodwill and other intangible assets, net	$	327,174		$	244,397

Schedule of changes in the carrying amounts of goodwill

The following is a summary of changes in the carrying amounts of goodwill (in thousands):



	For the Three Months Ended June 30,							For the Six Months Ended June 30,
2018	Goodwill		Accumulated Impairment Losses			Goodwill, net of Accumulated Impairment Losses		Goodwill			Accumulated Impairment Losses			Goodwill, net of Accumulated Impairment Losses
Balance, beginning of period	$	612,009	$	(305,590	)	$	306,419	$	526,181		$	(305,590	)	$	220,591
Acquisition of NLFC	390		—			390		87,379			—			87,379
Measurement period adjustments- FOFN and HCSB	303		—			303		(858		)	—			(858		)
Balance, end of period	$	612,702	$	(305,590	)	$	307,112	$	612,702		$	(305,590	)	$	307,112

2017
Balance, beginning of period	$	447,615	$	(305,590	)	$	142,025	$	447,615		$	(305,590	)	$	142,025
Balance, end of period	$	447,615	$	(305,590	)	$	142,025	$	447,615		$	(305,590	)	$	142,025

Schedule of estimated aggregate amortization expense for future periods for core deposit intangibles and noncompete agreements

The estimated aggregate amortization expense for future periods for core deposit intangibles and noncompete agreements is as follows (in thousands):



Year
Remainder of 2018	$	3,102
2019	4,551
2020	3,315
2021	2,557
2022	1,982
Thereafter	4,555
Total	$	20,062

Long-term Debt (Tables)

6 Months Ended

Jun. 30, 2018

Debt Disclosure [Abstract]

Schedule of long-term debt

Long-term debt consisted of the following (in thousands):



	June 30, 2018			December 31, 2017			Issue Date	Stated Maturity Date	Earliest Call Date	Interest Rate
Obligations of the Bank and its Subsidiaries:
NER 15-1 Class C notes	$	7,025		$	—		2015	2019	n/a	4.500%
NER 15-1 Class D notes	3,421			—			2015	2021	n/a	5.750%
NER 16-1 Class A-2 notes	43,912			—			2016	2021	n/a	2.200%
NER 16-1 Class B notes	25,489			—			2016	2021	n/a	3.220%
NER 16-1 Class C notes	6,319			—			2016	2021	n/a	5.050%
NER 16-1 Class D notes	3,213			—			2016	2023	n/a	7.870%
Total securitized notes payable	89,379			—

Obligations of the Holding Company:
2022 senior debentures	50,000			50,000			2015	2022	2020	5.000% through August 13, 2020, 3-month LIBOR plus 3.814% thereafter
2027 senior debentures	35,000			35,000			2015	2027	2025	5.500% through August 13, 2025 3-month LIBOR plus 3.71% thereafter
Total senior debentures	85,000			85,000

2028 subordinated debentures	100,000			—			2018	2028	2023	4.500% through January 30, 2023, 3-month LIBOR plus 2.12% thereafter
2025 subordinated debentures	11,500			11,500			2015	2025	2020	6.250%
Total subordinated debentures	111,500			11,500

Southern Bancorp Capital Trust I	4,382			4,382			2004	2034	2009	Prime + 1.00%
United Community Statutory Trust III	1,238			1,238			2008	2038	2013	Prime + 3.00%
Tidelands Statutory Trust I	8,248			8,248			2006	2036	2011	3-month LIBOR plus 1.38%
Tidelands Statutory Trust II	6,186			6,186			2008	2038	2013	3-month LIBOR plus 5.075%
Four Oaks Statutory Trust I	12,372			12,372			2006	2036	2011	3-month LIBOR plus 1.35%
Total trust preferred securities	32,426			32,426
Less discount	(9,871		)	(8,381		)
Total long-term debt	$	308,434		$	120,545

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=84159872&loc=d3e21475-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=75038535&loc=d3e64711-112823

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=64930739&loc=d3e28878-108400

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=84159872&loc=d3e21538-112644

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=84159872&loc=d3e21506-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=64930785&loc=d3e28541-108399

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=64930785&loc=d3e28551-108399

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84159872&loc=d3e21521-112644

+ Details

Accounting Policies (Detail Textuals) $ in Millions	Jun. 30, 2018 USD ($)
Accounting Policies [Abstract]
Restricted cash	$ 10.8

Accounting Standards Updates and Recently Adopted Standards (Details Textuals) $ in Millions	Dec. 31, 2017 USD ($)
Accounting Changes and Error Corrections [Abstract]
Present value of future minimum lease payments	$ 27.1

Acquisitions - Acquisition date fair value of purchased assets and liabilities (Details) - USD ($)
$ in Thousands

Feb. 01, 2018

Jun. 30, 2018

Mar. 31, 2018

Dec. 31, 2017

Jun. 30, 2017

Mar. 31, 2017

Dec. 31, 2016

Consideration transferred

Goodwill

$ 307,112

$ 306,419

$ 220,591

$ 142,025

NLFC Holdings Corporation

Assets

Cash and cash equivalents

$ 27,700

Loans and leases, net

358,352

Premises and equipment, net

324

Net deferred tax asset

2,873

Other assets

4,051

Total assets acquired

393,300

Liabilities

Short-term borrowings

214,923

Long-term debt

119,402

Other liabilities

16,108

Total liabilities assumed

350,433

Total identifiable net assets

42,867

Consideration transferred

Cash

84,500

Common stock issued (1,443,987 shares)

45,746

Total fair value of consideration transferred

130,246

Goodwill

$ 87,379

Common stock issued (in shares)

1,443,987

NLFC Holdings Corporation | Fair Value Adjustments

Assets

Cash and cash equivalents

^[1]

$ 0

Loans and leases, net

^[1]

(7,181)

Premises and equipment, net

^[1]

(304)

Net deferred tax asset

^[1]

2,873

Other assets

^[1]

(1,066)

Total assets acquired

^[1]

(5,678)

Liabilities

Short-term borrowings

^[1]

Long-term debt

^[1]

Other liabilities

^[1]

(951)

Total liabilities assumed

^[1]

(951)

Aggregate fair value adjustments

^[1]

(4,727)

NLFC Holdings Corporation | Navitas Credit Corp ("Navitas") | As Recorded by NLFC

Assets

Cash and cash equivalents

27,700

Loans and leases, net

365,533

Premises and equipment, net

628

Net deferred tax asset

Other assets

5,117

Total assets acquired

398,978

Liabilities

Short-term borrowings

214,923

Long-term debt

119,402

Other liabilities

17,059

Total liabilities assumed

351,384

Excess of assets acquired over liabilities assumed

$ 47,594

[1]	Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.

Acquisitions - Acquired loan and lease portfolio at acquisition date (Details) - NLFC Holdings Corporation $ in Thousands	Feb. 01, 2018 USD ($)
Accounted for pursuant to ASC 310-30:
Contractually required principal and interest	$ 24,711
Non-accretable difference	5,505
Cash flows expected to be collected	19,206
Accretable yield	1,977
Fair value	17,229
Excluded from ASC 310-30:
Fair value	341,123
Gross contractual amounts receivable	389,432
Estimate of contractual cash flows not expected to be collected	$ 8,624

Acquisitions - Pro forma information (Details) - NLFC Holdings Corporation - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Business Acquisition [Line Items]
Actual revenue included since acquisition date	$ 6,624		$ 10,237
Actual net income included since acquisition date	2,686		3,496
Supplemental consolidated pro forma revenue	130,288	$ 112,004	255,119	$ 220,510
Supplemental consolidated pro forma net income	$ 39,924	$ 28,715	$ 78,989	$ 49,595

Acquisitions (Detail Textuals) - USD ($)		1 Months Ended	3 Months Ended			5 Months Ended	6 Months Ended
Acquisitions (Detail Textuals) - USD ($)	Feb. 01, 2018	Jan. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Business Acquisition [Line Items]
Goodwill			$ 307,112,000	$ 306,419,000	$ 142,025,000	$ 307,112,000	$ 307,112,000	$ 142,025,000	$ 220,591,000	$ 142,025,000	$ 142,025,000
Goodwill adjustment			303,000				(858,000)
Merger-related and other charges			2,280,000		$ 1,830,000		4,334,000	$ 3,884,000
NLFC Holdings Corporation
Business Acquisition [Line Items]
Assets acquired	$ 393,300,000
Liabilities assumed	350,433,000
Consideration transferred	130,246,000
Cash consideration	84,500,000
Common stock issued as consideration	45,746,000
Goodwill	87,379,000
Goodwill expected to be tax deductible	0
Provisional value adjustment decrease to acquired loans						526,000
Goodwill adjustment						390,000
Value of loans acquired separate from the business combination		$ 19,900,000
Merger-related and other charges			118,000				4,830,000
Premises and equipment, net	$ 324,000
Four Oaks FinCorp, Inc.
Business Acquisition [Line Items]
Goodwill adjustment				1,160,000
Loans held for sale				10,700,000
Servicing assets				65,000
Provisional value adjustment increase to loans held for sale				2,590,000
Provisional value adjustment decrease to servicing assets				354,000
Adjustment to deferred tax asset				$ (1,080,000)
HCSB Financial Corporation
Business Acquisition [Line Items]
Goodwill adjustment			303,000
Adjustment to deferred tax asset			190,000
Premises and equipment, net			7,420,000			$ 7,420,000	$ 7,420,000
Provisional value adjustment decrease to premises and equipment			$ 493,000

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings - Summary of amounts outstanding under master netting agreements (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Offsetting [Abstract]
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized assets	$ 50,000	$ 100,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on the balance sheet	(50,000)	(100,000)
Repurchase agreements / reverse repurchase agreements, net asset balance	0	0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet assets of financial instruments	0	0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet assets of collateral received	0	0
Repurchase agreements / reverse repurchase agreements, net amount	0	0
Derivatives, gross amounts of recognized assets	29,896	22,721
Derivatives, gross amounts offset on the balance sheet	0	0
Derivatives, net asset balance	29,896	22,721
Derivatives, gross amounts not offset in balance sheet assets of financial instruments	(553)	(1,490)
Derivative, gross amounts not offset in balance sheet assets of collateral received	(13,799)	(6,369)
Derivatives, net amount	15,544	14,862
Offsetting assets, gross amounts of recognized assets	79,896	122,721
Offsetting assets, gross amounts offset on balance sheet	(50,000)	(100,000)
Offsetting assets, net asset balance	29,896	22,721
Offsetting assets, gross amounts not offset in balance sheet of financial instruments	(553)	(1,490)
Offsetting assets, gross amounts not offset in the balance sheet of collateral received	(13,799)	(6,369)
Offsetting assets, net amount	$ 15,544	$ 14,862
Weighted average interest rate of reverse repurchase agreements, assets (percent)	2.70%	1.95%
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized liabilities	$ 50,000	$ 100,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on balance sheet	(50,000)	(100,000)
Repurchase agreements / reverse repurchase agreements, net liability balance	0	0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet liabilities of financial instruments	0	0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet liabilities of collateral pledged	0	0
Repurchase agreements / reverse repurchase agreements, net amount	0	0
Derivatives, gross amounts of recognized liabilities	37,261	25,376
Derivatives, gross amounts offset on balance sheet	0	0
Derivatives, net liability balance	37,261	25,376
Derivatives, gross amounts not offset in balance sheet liabilities of financial instruments	(553)	(1,490)
Derivatives, gross amounts not offset in balance sheet liabilities of collateral pledged	(18,438)	(17,190)
Derivatives, net amount	18,270	6,696
Offsetting liabilities, gross amounts of recognized liabilities	87,261	125,376
Offsetting liabilities, gross amounts offset on balance sheet	(50,000)	(100,000)
Offsetting liabilities, net liability balance	37,261	25,376
Offsetting liabilities, gross amounts not offset in balance sheet of financial instruments	(553)	(1,490)
Offsetting liabilities, gross amounts not offset in the balance sheet of collateral pledged	(18,438)	(17,190)
Offsetting liabilities, net amount	$ 18,270	$ 6,696
Weighted average interest rate of reverse repurchase agreements, liabilities (percent)	1.95%	1.20%

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings - Repurchase agreements accounted for as secured borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	$ 50,000	$ 100,000
Gross amount of recognized liabilities for repurchase agreements in offsetting disclosure	50,000	100,000
Amounts related to agreements not included in offsetting disclosure	0	0
Overnight and Continuous
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	0
Up to 30 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	0
30 to 90 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	100,000
91 to 110 days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	50,000	0
Mortgage-backed securities
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	50,000	100,000
Mortgage-backed securities \| Overnight and Continuous
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	0
Mortgage-backed securities \| Up to 30 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	0
Mortgage-backed securities \| 30 to 90 Days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	0	100,000
Mortgage-backed securities \| 91 to 110 days
Assets Sold under Agreements to Repurchase [Line Items]
Remaining Contractual Maturity of the Agreements	$ 50,000	$ 0

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings (Details Textuals) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Offsetting [Abstract]
Right to reclaim cash collateral	$ 18,400	$ 17,200
Obligation to return cash collateral	$ 13,800	$ 6,370

Securities - Amortized cost, gross unrealized gains and losses, and fair value of securities held to maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Held-to-maturity securities:
Amortized Cost	$ 297,569	$ 321,094
Gross Unrealized Gains	1,941	3,785
Gross Unrealized Losses	8,047	3,603
Fair Value	291,463	321,276
State and political subdivisions
Held-to-maturity securities:
Amortized Cost	71,125	71,959
Gross Unrealized Gains	954	1,574
Gross Unrealized Losses	1,238	178
Fair Value	70,841	73,355
Mortgage-backed securities
Held-to-maturity securities:
Amortized Cost	226,444	249,135
Gross Unrealized Gains	987	2,211
Gross Unrealized Losses	6,809	3,425
Fair Value	$ 220,622	$ 247,921

Securities - Cost basis, gross unrealized gains and losses, and fair value of securities available for sale (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Investment securities available for sale:
Amortized Cost	$ 2,581,291	$ 2,623,728
Gross Unrealized Gains	3,758	11,968
Gross Unrealized Losses	48,755	19,846
Fair Value	2,536,294	2,615,850
U.S. Treasuries
Investment securities available for sale:
Amortized Cost	122,290	122,025
Gross Unrealized Gains	0	0
Gross Unrealized Losses	3,251	912
Fair Value	119,039	121,113
U.S. Government agencies
Investment securities available for sale:
Amortized Cost	25,778	26,129
Gross Unrealized Gains	240	269
Gross Unrealized Losses	440	26
Fair Value	25,578	26,372
State and political subdivisions
Investment securities available for sale:
Amortized Cost	200,486	195,663
Gross Unrealized Gains	123	2,019
Gross Unrealized Losses	2,978	396
Fair Value	197,631	197,286
Mortgage-backed securities
Investment securities available for sale:
Amortized Cost	1,844,310	1,738,056
Gross Unrealized Gains	1,992	7,089
Gross Unrealized Losses	39,441	17,934
Fair Value	1,806,861	1,727,211
Corporate bonds
Investment securities available for sale:
Amortized Cost	199,303	305,265
Gross Unrealized Gains	793	1,513
Gross Unrealized Losses	1,931	425
Fair Value	198,165	306,353
Asset-backed securities
Investment securities available for sale:
Amortized Cost	189,067	236,533
Gross Unrealized Gains	610	1,078
Gross Unrealized Losses	714	153
Fair Value	188,963	237,458
Other
Investment securities available for sale:
Amortized Cost	57	57
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 57	$ 57

Securities - Summary of held-to-maturity securities in unrealized loss position (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 125,604	$ 104,322
Unrealized Loss, Less than 12 Months	4,094	1,626
Fair Value, 12 Months or More	79,198	65,868
Unrealized Loss, 12 Months or More	3,953	1,977
Fair Value, Total	204,802	170,190
Unrealized Loss, Total	8,047	3,603
State and political subdivisions
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	43,131	8,969
Unrealized Loss, Less than 12 Months	1,238	178
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	43,131	8,969
Unrealized Loss, Total	1,238	178
Mortgage-backed securities
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	82,473	95,353
Unrealized Loss, Less than 12 Months	2,856	1,448
Fair Value, 12 Months or More	79,198	65,868
Unrealized Loss, 12 Months or More	3,953	1,977
Fair Value, Total	161,671	161,221
Unrealized Loss, Total	$ 6,809	$ 3,425

Securities - Summary of available-for-sale securities in unrealized loss position (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 1,714,374	$ 1,233,399
Unrealized Loss, Less than 12 Months	33,358	10,440
Fair Value, 12 Months or More	347,131	341,662
Unrealized Loss, 12 Months or More	15,397	9,406
Fair Value, Total	2,061,505	1,575,061
Unrealized Loss, Total	48,755	19,846
U.S. Treasuries
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	119,039	121,113
Unrealized Loss, Less than 12 Months	3,251	912
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	119,039	121,113
Unrealized Loss, Total	3,251	912
U.S. Government agencies
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	19,790	1,976
Unrealized Loss, Less than 12 Months	413	13
Fair Value, 12 Months or More	1,624	1,677
Unrealized Loss, 12 Months or More	27	13
Fair Value, Total	21,414	3,653
Unrealized Loss, Total	440	26
State and political subdivisions
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	171,147	61,494
Unrealized Loss, Less than 12 Months	2,899	365
Fair Value, 12 Months or More	5,061	5,131
Unrealized Loss, 12 Months or More	79	31
Fair Value, Total	176,208	66,625
Unrealized Loss, Total	2,978	396
Mortgage-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	1,212,603	964,205
Unrealized Loss, Less than 12 Months	24,160	8,699
Fair Value, 12 Months or More	339,456	328,923
Unrealized Loss, 12 Months or More	15,281	9,235
Fair Value, Total	1,552,059	1,293,128
Unrealized Loss, Total	39,441	17,934
Corporate bonds
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	116,563	55,916
Unrealized Loss, Less than 12 Months	1,921	325
Fair Value, 12 Months or More	990	900
Unrealized Loss, 12 Months or More	10	100
Fair Value, Total	117,553	56,816
Unrealized Loss, Total	1,931	425
Asset-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	75,232	28,695
Unrealized Loss, Less than 12 Months	714	126
Fair Value, 12 Months or More	0	5,031
Unrealized Loss, 12 Months or More	0	27
Fair Value, Total	75,232	33,726
Unrealized Loss, Total	$ 714	$ 153

Securities - Summary of securities sales activity (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 26,335	$ 70,453	$ 140,296	$ 94,650
Gross gains on sales	232	227	649	325
Gross losses on sales	(596)	(223)	(1,953)	(323)
Net (losses) gains on sales of securities	(364)	4	(1,304)	2
Income tax benefit attributable to sales	$ (97)	$ 0	$ (317)	$ (1)

Securities - Amortized cost and fair value of held-to-maturity and available-for-sale securities (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Available-for-Sale, Amortized Cost
Amortized Cost	$ 2,581,291
Available-for-Sale, Fair Value
Fair Value	2,536,294
Held-to-Maturity, Amortized Cost
Amortized Cost	297,569	$ 321,094
Held-to-Maturity, Fair Value
Fair value	291,463	$ 321,276
U.S. Treasuries
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	74,525
Available-for-Sale, Amortized Cost, 5 to 10 years	47,765
Amortized Cost	122,290
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	72,568
Available-for-Sale, Fair Value, 5 to 10 years	46,471
Fair Value	119,039
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, 1 to 5 years	0
Held-to-Maturity, Amortized Cost, 5 to 10 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, 1 to 5 years	0
Held-to-Maturity, Fair Value, 5 to 10 years	0
Fair value	0
U.S. Government agencies
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	20,854
Available-for-Sale, Amortized Cost, More than 10 years	4,924
Amortized Cost	25,778
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	20,422
Available-for-Sale, Fair Value, More than 10 years	5,156
Fair Value	25,578
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, 1 to 5 years	0
Held-to-Maturity, Amortized Cost, More than 10 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, 1 to 5 years	0
Held-to-Maturity, Fair Value, More than 10 years	0
Fair value	0
State and political subdivisions
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, Within 1 year	1,500
Available-for-Sale, Amortized Cost, 1 to 5 years	44,769
Available-for-Sale, Amortized Cost, 5 to 10 years	26,393
Available-for-Sale, Amortized Cost, More than 10 years	127,824
Amortized Cost	200,486
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, Within 1 year	1,510
Available-for-Sale, Fair Value, 1 to 5 years	44,024
Available-for-Sale, Fair Value, 5 to 10 years	25,908
Available-for-Sale, Fair Value, More than 10 years	126,189
Fair Value	197,631
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, Within 1 year	5,929
Held-to-Maturity, Amortized Cost, 1 to 5 years	10,670
Held-to-Maturity, Amortized Cost, 5 to 10 years	10,157
Held-to-Maturity, Amortized Cost, More than 10 years	44,369
Amortized Cost	71,125
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, Within 1 year	5,991
Held-to-Maturity, Fair Value, 1 to 5 years	10,960
Held-to-Maturity, Fair Value, 5 to 10 years	10,759
Held-to-Maturity, Fair Value, More than 10 years	43,131
Fair value	70,841
Corporate bonds
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	181,027
Available-for-Sale, Amortized Cost, 5 to 10 years	17,276
Available-for-Sale, Amortized Cost, More than 10 years	1,000
Amortized Cost	199,303
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	180,412
Available-for-Sale, Fair Value, 5 to 10 years	16,763
Available-for-Sale, Fair Value, More than 10 years	990
Fair Value	198,165
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, 1 to 5 years	0
Held-to-Maturity, Amortized Cost, 5 to 10 years	0
Held-to-Maturity, Amortized Cost, More than 10 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, 1 to 5 years	0
Held-to-Maturity, Fair Value, 5 to 10 years	0
Held-to-Maturity, Fair Value, More than 10 years	0
Fair value	0
Asset-backed securities
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	5,624
Available-for-Sale, Amortized Cost, 5 to 10 years	31,025
Available-for-Sale, Amortized Cost, More than 10 years	152,418
Amortized Cost	189,067
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	5,771
Available-for-Sale, Fair Value, 5 to 10 years	31,105
Available-for-Sale, Fair Value, More than 10 years	152,087
Fair Value	188,963
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, 1 to 5 years	0
Held-to-Maturity, Amortized Cost, 5 to 10 years	0
Held-to-Maturity, Amortized Cost, More than 10 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, 1 to 5 years	0
Held-to-Maturity, Fair Value, 5 to 10 years	0
Held-to-Maturity, Fair Value, More than 10 years	0
Fair value	0
Other
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, More than 10 years	57
Amortized Cost	57
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, More than 10 years	57
Fair Value	57
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, More than 10 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, More than 10 years	0
Fair value	0
Total securities other than mortgage-backed securities
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, Within 1 year	1,500
Available-for-Sale, Amortized Cost, 1 to 5 years	326,799
Available-for-Sale, Amortized Cost, 5 to 10 years	122,459
Available-for-Sale, Amortized Cost, More than 10 years	286,223
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, Within 1 year	1,510
Available-for-Sale, Fair Value, 1 to 5 years	323,197
Available-for-Sale, Fair Value, 5 to 10 years	120,247
Available-for-Sale, Fair Value, More than 10 years	284,479
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, Within 1 year	5,929
Held-to-Maturity, Amortized Cost, 1 to 5 years	10,670
Held-to-Maturity, Amortized Cost, 5 to 10 years	10,157
Held-to-Maturity, Amortized Cost, More than 10 years	44,369
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, Within 1 year	5,991
Held-to-Maturity, Fair Value, 1 to 5 years	10,960
Held-to-Maturity, Fair Value, 5 to 10 years	10,759
Held-to-Maturity, Fair Value, More than 10 years	43,131
Mortgage-backed securities
Available-for-Sale, Amortized Cost
Amortized Cost	1,844,310
Available-for-Sale, Fair Value
Fair Value	1,806,861
Held-to-Maturity, Amortized Cost
Amortized Cost	226,444
Held-to-Maturity, Fair Value
Fair value	$ 220,622

Securities (Detail Textuals) $ in Millions	Jun. 30, 2018 USD ($) Security	Dec. 31, 2017 USD ($)
Investments, Debt and Equity Securities [Abstract]
Carrying value of securities pledged to secure public deposits, derivatives and other secured borrowings \| $	$ 816	$ 1,040
Number of available-for-sale securities in unrealized loss position	294
Number of held-to-maturity securities in unrealized loss position	70

Loans and Leases and Allowance for Credit Losses - Major classifications of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Classifications of loans
Total loans	$ 8,220,271	$ 7,735,572
Less allowance for loan and lease losses	(61,071)	(58,914)
Loans and leases, net	8,159,200	7,676,658
Loans Receivable
Classifications of loans
Total loans	8,220,271	7,735,572
Loans Receivable \| Home equity lines of credit
Classifications of loans
Total loans	707,718	731,227
Loans Receivable \| Indirect auto
Classifications of loans
Total loans	277,275	358,185
Loans Receivable \| Commercial
Classifications of loans
Total loans	5,896,336	5,362,093
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Classifications of loans
Total loans	1,681,737	1,923,993
Loans Receivable \| Commercial \| Income producing commercial real estate
Classifications of loans
Total loans	1,821,384	1,595,174
Loans Receivable \| Commercial \| Construction
Classifications of loans
Total loans	735,575	711,936
Loans Receivable \| Commercial \| Equipment Financing [Member]
Classifications of loans
Total loans	464,594	0
Loans Receivable \| Commercial \| Commercial & industrial
Classifications of loans
Total loans	1,193,046	1,130,990
Loans Receivable \| Residential \| Residential mortgage
Classifications of loans
Total loans	1,020,606	973,544
Loans Receivable \| Residential \| Construction
Classifications of loans
Total loans	195,580	183,019
Loans Receivable \| Consumer direct
Classifications of loans
Total loans	$ 122,756	$ 127,504

Loans and Leases and Allowance for Credit Losses - Changes in the value of the accretable yield for acquired loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at beginning of period	$ 18,036	$ 7,762	$ 17,686	$ 7,981
Additions due to acquisitions	147	0	1,977	0
Accretion	(2,965)	(1,412)	(5,511)	(3,102)
Reclassification from nonaccretable difference	6,527	3,827	7,118	4,716
Changes in expected cash flows that do not affect nonaccretable difference	1,661	1,188	2,136	1,770
Balance at end of period	$ 23,406	$ 11,365	$ 23,406	$ 11,365

Loans and Leases and Allowance for Credit Losses - Components of net investment in leases (Details) $ in Thousands	Jun. 30, 2018 USD ($)
Receivables [Abstract]
Minimum future lease payments receivable	$ 26,396
Estimated residual value of leased equipment	3,314
Initial direct costs	764
Security deposits	(1,192)
Purchase accounting premium	1,197
Unearned income	(4,930)
Net investment in leases	$ 25,549

Loans and Leases and Allowance for Credit Losses - Minimum future lease payment to be received (Details) $ in Thousands	Jun. 30, 2018 USD ($)
Receivables [Abstract]
Remainder of 2018	$ 5,900
2019	9,325
2020	6,396
2021	3,185
2022	1,373
Thereafter	217
Total	$ 26,396

Loans and Leases 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) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	$ 63,525	$ 62,545	$ 61,226	$ 63,424
Charge-Offs	(3,231)	(2,715)	(6,115)	(5,930)
Recoveries	1,872	1,092	3,255	2,628
(Release) Provision	1,800	800	5,600	1,600
Ending Balance	63,966	61,722	63,966	61,722
Allowance for unfunded commitments
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,440	2,002	2,312	2,002
Charge-Offs	0	0	0	0
Recoveries	0	0	0	0
(Release) Provision	455	220	583	220
Ending Balance	2,895	2,222	2,895	2,222
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	61,085	60,543	58,914	61,422
Charge-Offs	(3,231)	(2,715)	(6,115)	(5,930)
Recoveries	1,872	1,092	3,255	2,628
(Release) Provision	1,345	580	5,017	1,380
Ending Balance	61,071	59,500	61,071	59,500
Loans Receivable \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,932	4,530	5,177	4,599
Charge-Offs	(211)	(424)	(335)	(895)
Recoveries	190	171	225	220
(Release) Provision	32	313	(124)	666
Ending Balance	4,943	4,590	4,943	4,590
Loans Receivable \| Indirect auto
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	1,418	2,004	1,550	1,802
Charge-Offs	(379)	(313)	(815)	(733)
Recoveries	55	94	135	149
(Release) Provision	174	225	398	792
Ending Balance	1,268	2,010	1,268	2,010
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	14,561	15,669	14,776	16,446
Charge-Offs	(7)	(158)	(67)	(183)
Recoveries	585	120	688	357
(Release) Provision	(2,230)	(209)	(2,488)	(1,198)
Ending Balance	12,909	15,422	12,909	15,422
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	9,776	8,878	9,381	8,843
Charge-Offs	(1,653)	(203)	(2,310)	(1,100)
Recoveries	232	20	467	47
(Release) Provision	2,507	659	3,324	1,564
Ending Balance	10,862	9,354	10,862	9,354
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	10,034	12,790	10,523	13,405
Charge-Offs	(53)	(361)	(416)	(563)
Recoveries	159	20	256	592
(Release) Provision	(17)	(1,411)	(240)	(2,396)
Ending Balance	10,123	11,038	10,123	11,038
Loans Receivable \| Commercial \| Equipment financing
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,291	0	0	0
Charge-Offs	(23)	0	(162)	0
Recoveries	71	0	168	0
(Release) Provision	1,222	0	3,555	0
Ending Balance	3,561	0	3,561	0
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,075	3,725	3,971	3,810
Charge-Offs	(233)	(598)	(617)	(814)
Recoveries	217	244	606	612
(Release) Provision	146	249	245	12
Ending Balance	4,205	3,620	4,205	3,620
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,044	3,267	2,729	3,264
Charge-Offs	(8)	(70)	(8)	(70)
Recoveries	67	123	131	132
(Release) Provision	(513)	(236)	(262)	(242)
Ending Balance	2,590	3,084	2,590	3,084
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	10,221	9,071	10,097	8,545
Charge-Offs	(112)	(131)	(182)	(673)
Recoveries	101	105	224	117
(Release) Provision	(365)	753	(294)	1,809
Ending Balance	9,845	9,798	9,845	9,798
Loans Receivable \| Consumer direct
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	733	609	710	708
Charge-Offs	(552)	(457)	(1,203)	(899)
Recoveries	195	195	355	402
(Release) Provision	389	237	903	373
Ending Balance	$ 765	$ 584	$ 765	$ 584

Loans and Leases and Allowance for Credit Losses - Recorded investment in loans by portfolio segment and the balance of the allowance for loan losses (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	$ 2,821		$ 3,256
Allowance for Credit Losses, Collectively evaluated for impairment	60,772		57,957
Allowance for Credit Losses, PCI	373		13
Allowance for Credit Losses, Ending balance	63,966	$ 63,525	61,226	$ 61,722	$ 62,545	$ 63,424
Loans Outstanding, Ending Balance	8,220,271		7,735,572
Allowance for unfunded commitments
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	0		0
Allowance for Credit Losses, Collectively evaluated for impairment	2,895		2,312
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	2,895	2,440	2,312	2,222	2,002	2,002
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	2,821		3,256
Allowance for Credit Losses, Collectively evaluated for impairment	57,877		55,645
Allowance for Credit Losses, PCI	373		13
Allowance for Credit Losses, Ending balance	61,071	61,085	58,914	59,500	60,543	61,422
Loans Outstanding, Individually evaluated for impairment	57,421		62,310
Loans Outstanding, Collectively evaluated for impairment	8,073,007		7,574,748
Loans Outstanding, PCI	89,843		98,514
Loans Outstanding, Ending Balance	8,220,271		7,735,572
Loans Receivable \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	0		0
Allowance for Credit Losses, Collectively evaluated for impairment	4,943		5,177
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	4,943	4,932	5,177	4,590	4,530	4,599
Loans Outstanding, Individually evaluated for impairment	232		101
Loans Outstanding, Collectively evaluated for impairment	705,591		728,235
Loans Outstanding, PCI	1,895		2,891
Loans Outstanding, Ending Balance	707,718		731,227
Loans Receivable \| Indirect auto
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	29		0
Allowance for Credit Losses, Collectively evaluated for impairment	1,239		1,550
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	1,268	1,418	1,550	2,010	2,004	1,802
Loans Outstanding, Individually evaluated for impairment	1,215		1,396
Loans Outstanding, Collectively evaluated for impairment	276,060		356,789
Loans Outstanding, PCI	0		0
Loans Outstanding, Ending Balance	277,275		358,185
Loans Receivable \| Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Outstanding, PCI	74,730		80,898
Loans Outstanding, Ending Balance	5,896,336		5,362,093
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	985		1,255
Allowance for Credit Losses, Collectively evaluated for impairment	11,647		13,521
Allowance for Credit Losses, PCI	277		0
Allowance for Credit Losses, Ending balance	12,909	14,561	14,776	15,422	15,669	16,446
Loans Outstanding, Individually evaluated for impairment	18,932		21,823
Loans Outstanding, Collectively evaluated for impairment	1,649,437		1,876,411
Loans Outstanding, PCI	13,368		25,759
Loans Outstanding, Ending Balance	1,681,737		1,923,993
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	609		562
Allowance for Credit Losses, Collectively evaluated for impairment	10,193		8,813
Allowance for Credit Losses, PCI	60		6
Allowance for Credit Losses, Ending balance	10,862	9,776	9,381	9,354	8,878	8,843
Loans Outstanding, Individually evaluated for impairment	16,245		16,483
Loans Outstanding, Collectively evaluated for impairment	1,762,960		1,533,851
Loans Outstanding, PCI	42,179		44,840
Loans Outstanding, Ending Balance	1,821,384		1,595,174
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	98		156
Allowance for Credit Losses, Collectively evaluated for impairment	10,025		10,367
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	10,123	10,034	10,523	11,038	12,790	13,405
Loans Outstanding, Individually evaluated for impairment	3,528		3,813
Loans Outstanding, Collectively evaluated for impairment	725,474		699,266
Loans Outstanding, PCI	6,573		8,857
Loans Outstanding, Ending Balance	735,575		711,936
Loans Receivable \| Commercial \| Equipment financing
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	0		0
Allowance for Credit Losses, Collectively evaluated for impairment	3,561		0
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	3,561	2,291	0	0	0	0
Loans Outstanding, Individually evaluated for impairment	0		0
Loans Outstanding, Collectively evaluated for impairment	452,620		0
Loans Outstanding, PCI	11,974		0
Loans Outstanding, Ending Balance	464,594		0
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	35		27
Allowance for Credit Losses, Collectively evaluated for impairment	4,135		3,944
Allowance for Credit Losses, PCI	35		0
Allowance for Credit Losses, Ending balance	4,205	4,075	3,971	3,620	3,725	3,810
Loans Outstanding, Individually evaluated for impairment	1,510		2,654
Loans Outstanding, Collectively evaluated for impairment	1,190,900		1,126,894
Loans Outstanding, PCI	636		1,442
Loans Outstanding, Ending Balance	1,193,046		1,130,990
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	52		75
Allowance for Credit Losses, Collectively evaluated for impairment	2,538		2,654
Allowance for Credit Losses, PCI	0		0
Allowance for Credit Losses, Ending balance	2,590	3,044	2,729	3,084	3,267	3,264
Loans Outstanding, Individually evaluated for impairment	1,498		1,577
Loans Outstanding, Collectively evaluated for impairment	193,156		180,978
Loans Outstanding, PCI	926		464
Loans Outstanding, Ending Balance	195,580		183,019
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	1,007		1,174
Allowance for Credit Losses, Collectively evaluated for impairment	8,838		8,919
Allowance for Credit Losses, PCI	0		4
Allowance for Credit Losses, Ending balance	9,845	10,221	10,097	9,798	9,071	8,545
Loans Outstanding, Individually evaluated for impairment	14,012		14,193
Loans Outstanding, Collectively evaluated for impairment	995,072		946,210
Loans Outstanding, PCI	11,522		13,141
Loans Outstanding, Ending Balance	1,020,606		973,544
Loans Receivable \| Consumer direct
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	6		7
Allowance for Credit Losses, Collectively evaluated for impairment	758		700
Allowance for Credit Losses, PCI	1		3
Allowance for Credit Losses, Ending balance	765	$ 733	710	$ 584	$ 609	$ 708
Loans Outstanding, Individually evaluated for impairment	249		270
Loans Outstanding, Collectively evaluated for impairment	121,737		126,114
Loans Outstanding, PCI	770		1,120
Loans Outstanding, Ending Balance	$ 122,756		$ 127,504

Loans and Leases and Allowance for Credit Losses - Loans individually evaluated for impairment by class of loans (Details) - Loans Receivable - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	$ 22,893	$ 10,191
Unpaid Principal Balance, With an allowance recorded	38,473	54,540
Unpaid Principal Balance	61,366	64,731
Recorded Investment
Recorded Investment, With no related allowance recorded	20,451	9,368
Recorded Investment, With allowance recorded	36,970	52,942
Recorded Investment	57,421	62,310
Allowance for Loan Losses Allocated	2,821	3,256
Home equity lines of credit
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	284	393
Unpaid Principal Balance, With an allowance recorded	4	0
Recorded Investment
Recorded Investment, With no related allowance recorded	229	101
Recorded Investment, With allowance recorded	3	0
Allowance for Loan Losses Allocated	0	0
Indirect auto
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	139	1,396
Unpaid Principal Balance, With an allowance recorded	1,079	0
Recorded Investment
Recorded Investment, With no related allowance recorded	137	1,396
Recorded Investment, With allowance recorded	1,078	0
Allowance for Loan Losses Allocated	29	0
Commercial
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	16,584	5,307
Unpaid Principal Balance, With an allowance recorded	26,674	40,885
Recorded Investment
Recorded Investment, With no related allowance recorded	14,940	4,946
Recorded Investment, With allowance recorded	25,275	39,827
Allowance for Loan Losses Allocated	1,727	2,000
Commercial \| Owner occupied commercial real estate
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	8,292	1,238
Unpaid Principal Balance, With an allowance recorded	12,665	21,262
Recorded Investment
Recorded Investment, With no related allowance recorded	6,763	1,176
Recorded Investment, With allowance recorded	12,169	20,647
Allowance for Loan Losses Allocated	985	1,255
Commercial \| Income producing commercial real estate
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	7,568	2,177
Unpaid Principal Balance, With an allowance recorded	9,017	14,419
Recorded Investment
Recorded Investment, With no related allowance recorded	7,496	2,165
Recorded Investment, With allowance recorded	8,749	14,318
Allowance for Loan Losses Allocated	609	562
Commercial \| Construction
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	564	134
Unpaid Principal Balance, With an allowance recorded	3,216	3,917
Recorded Investment
Recorded Investment, With no related allowance recorded	558	134
Recorded Investment, With allowance recorded	2,970	3,679
Allowance for Loan Losses Allocated	98	156
Commercial \| Equipment financing
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	0	0
Unpaid Principal Balance, With an allowance recorded	0	0
Recorded Investment
Recorded Investment, With no related allowance recorded	0	0
Recorded Investment, With allowance recorded	0	0
Allowance for Loan Losses Allocated	0	0
Commercial \| Commercial & industrial
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	160	1,758
Unpaid Principal Balance, With an allowance recorded	1,776	1,287
Recorded Investment
Recorded Investment, With no related allowance recorded	123	1,471
Recorded Investment, With allowance recorded	1,387	1,183
Allowance for Loan Losses Allocated	35	27
Residential \| Construction
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	712	405
Unpaid Principal Balance, With an allowance recorded	933	1,325
Recorded Investment
Recorded Investment, With no related allowance recorded	576	330
Recorded Investment, With allowance recorded	922	1,247
Allowance for Loan Losses Allocated	52	75
Residential \| Residential mortgage
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	5,125	2,661
Unpaid Principal Balance, With an allowance recorded	9,576	12,086
Recorded Investment
Recorded Investment, With no related allowance recorded	4,520	2,566
Recorded Investment, With allowance recorded	9,492	11,627
Allowance for Loan Losses Allocated	1,007	1,174
Consumer direct
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	49	29
Unpaid Principal Balance, With an allowance recorded	207	244
Recorded Investment
Recorded Investment, With no related allowance recorded	49	29
Recorded Investment, With allowance recorded	200	241
Allowance for Loan Losses Allocated	$ 6	$ 7

Loans and Leases and Allowance for Credit Losses - Average balances of impaired loans and income recognized on impaired loans (Details) - Loans Receivable - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Average balances of impaired loans and income recognized on impaired loans
Average Balance	$ 58,272	$ 86,441	$ 62,218	$ 84,176
Interest Revenue Recognized During Impairment	731	1,001	1,476	1,958
Cash Basis Interest Revenue Received	727	1,012	1,536	1,961
Home equity lines of credit
Average balances of impaired loans and income recognized on impaired loans
Average Balance	235	552	290	308
Interest Revenue Recognized During Impairment	5	2	9	3
Cash Basis Interest Revenue Received	4	4	8	5
Indirect auto
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,283	1,137	1,301	1,130
Interest Revenue Recognized During Impairment	17	14	34	28
Cash Basis Interest Revenue Received	17	14	34	28
Commercial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	40,867	68,140	44,246	66,675
Interest Revenue Recognized During Impairment	522	826	1,068	1,602
Cash Basis Interest Revenue Received	516	817	1,125	1,579
Commercial \| Commercial & industrial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,542	1,877	2,069	1,908
Interest Revenue Recognized During Impairment	25	26	65	53
Cash Basis Interest Revenue Received	24	17	66	45
Commercial \| Owner occupied commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	19,353	30,825	22,006	30,342
Interest Revenue Recognized During Impairment	235	371	480	716
Cash Basis Interest Revenue Received	236	376	516	712
Commercial \| Income producing commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	16,408	28,768	16,421	28,589
Interest Revenue Recognized During Impairment	215	359	425	710
Cash Basis Interest Revenue Received	212	347	447	692
Commercial \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	3,564	6,670	3,750	5,836
Interest Revenue Recognized During Impairment	47	70	98	123
Cash Basis Interest Revenue Received	44	77	96	130
Commercial \| Equipment financing
Average balances of impaired loans and income recognized on impaired loans
Average Balance	0	0	0	0
Interest Revenue Recognized During Impairment	0	0	0	0
Cash Basis Interest Revenue Received	0	0	0	0
Residential \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,516	1,563	1,553	1,591
Interest Revenue Recognized During Impairment	25	23	49	46
Cash Basis Interest Revenue Received	24	24	48	47
Residential \| Residential mortgage
Average balances of impaired loans and income recognized on impaired loans
Average Balance	14,115	14,742	14,554	14,175
Interest Revenue Recognized During Impairment	157	130	306	268
Cash Basis Interest Revenue Received	161	147	311	290
Consumer direct
Average balances of impaired loans and income recognized on impaired loans
Average Balance	256	307	274	297
Interest Revenue Recognized During Impairment	5	6	10	11
Cash Basis Interest Revenue Received	$ 5	$ 6	$ 10	$ 12

Loans and Leases and Allowance for Credit Losses - Recorded investment in nonaccrual loans by loan class (Details) - Loans Receivable - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 21,817	$ 23,658
Home equity lines of credit
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,812	2,024
Indirect auto
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	751	1,637
Commercial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	10,631	10,986
Commercial \| Owner occupied commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	5,772	4,923
Commercial \| Income producing commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	991	3,208
Commercial \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	613	758
Commercial \| Equipment financing
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,075	0
Commercial \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	2,180	2,097
Residential \| Residential mortgage
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	7,918	8,776
Residential \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	637	192
Consumer direct
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 68	$ 43

Loans and Leases and Allowance for Credit Losses (Detail Textuals) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Remaining accretable fair value mark on loans	$ 4,410,000		$ 4,410,000		$ 14,700,000
Net investment in leases	25,549,000		25,549,000
Criteria amount for evaluation of impairment	500,000		500,000
Specific reserves	2,740,000		2,740,000		3,260,000
Gross additional interest income that would have been earned if the nonaccrual loans had performed as per original terms	256,000	$ 246,000	599,000	$ 523,000
FHLB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pledged as collateral to secure FHLB advances	3,950,000,000		3,950,000,000		3,730,000,000
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans	89,843,000		89,843,000		98,514,000
Unpaid principal balance of purchased credit impaired ("PCI") loans	131,000,000		131,000,000		142,000,000
Loans outstanding classified as troubled debt restructurings	0		0		75,000
Loans Receivable \| Indirect auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans	0		0		0
Remaining accretable fair value mark on loans	5,470,000		5,470,000		$ 7,840,000
Loan purchased	$ 0	$ 40,500,000	$ 0	$ 81,700,000

Reclassifications Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities (losses) gains, net	$ (364)	$ 4	$ (1,304)	$ 2
Money market deposit interest expense	(2,583)	(1,559)	(4,758)	(2,985)
Federal Home Loan Bank advances interest expense	(1,636)	(1,464)	(3,760)	(2,894)
Salaries and employee benefits expense	(45,363)	(37,338)	(88,238)	(74,029)
Other expense	(8,458)	(6,950)	(15,189)	(13,433)
Income tax benefit (expense)	(13,532)	(16,537)	(24,280)	(35,015)
Net income available to common shareholders	39,359	28,267	76,740	51,791
Reclassifications Out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net income available to common shareholders	(689)	(389)	(1,854)	(4,357)
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 (losses) gains, net	(364)	4	(1,304)	2
Income tax benefit (expense)	97	0	317	1
Net income available to common shareholders	(267)	4	(987)	3
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	(218)	(261)	(439)	(571)
Income tax benefit (expense)	55	98	109	214
Net income available to common shareholders	(163)	(163)	(330)	(357)
Reclassifications Out of Accumulated Other Comprehensive Income \| Amortization of losses included in net income on derivative financial instruments accounted for as cash flow hedges
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Money market deposit interest expense	(143)	(149)	(290)	(298)
Federal Home Loan Bank advances interest expense	0	(28)	0	(292)
Total before tax	(143)	(177)	(290)	(590)
Income tax benefit (expense)	38	69	76	230
Net income available to common shareholders	(105)	(108)	(214)	(360)
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)	0	0	0	(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	(227)	(200)	(454)	(400)
Income tax benefit (expense)	73	78	131	157
Net income available to common shareholders	(154)	(122)	(323)	(243)
Reclassifications Out of Accumulated Other Comprehensive Income \| Prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	(167)	(140)	(334)	(280)
Reclassifications Out of Accumulated Other Comprehensive Income \| Actuarial losses
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	0	(60)	0	(120)
Other expense	$ (60)	$ 0	$ (120)	$ 0

Earnings Per Share - Computation of basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Computation of basic and diluted earnings per share
Net income	$ 39,634	$ 28,267	$ 77,292	$ 51,791
Dividends and undistributed earnings allocated to unvested shares	(275)	0	(552)	0
Net income available to common shareholders	$ 39,359	$ 28,267	$ 76,740	$ 51,791
Weighted average shares outstanding:
Basic (in shares)	79,745,000	71,810,000	79,477,000	71,798,000
Effect of dilutive securities
Stock options (in shares)	10,000	10,000	10,000	11,000
Diluted (in shares)	79,755,000	71,820,000	79,487,000	71,809,000
Net income per common share:
Basic (in dollars per share)	$ 0.49	$ 0.39	$ 0.97	$ 0.72
Diluted (in dollars per share)	$ 0.49	$ 0.39	$ 0.97	$ 0.72

Earnings Per Share (Detail Textuals) - $ / shares	6 Months Ended
Earnings Per Share (Detail Textuals) - $ / shares	Jun. 30, 2018	Jun. 30, 2017
Class of Stock [Line Items]
Number of common stock called by warrants (in shares)	219,909	219,909
Exercise price of warrants (in dollars per share)	$ 61.4	$ 61.4
Employees
Class of Stock [Line Items]
Common shares issuable upon exercise of stock options granted (in shares)		63,404
Weighted average exercise price of stock options (in dollars per share)		$ 25.45
Restricted Stock
Class of Stock [Line Items]
Vesting of restricted stock awards (in shares)		595,188
Stock Options
Class of Stock [Line Items]
Potentially antidilutive options	0

Derivatives and Hedging Activities - Derivatives designated as hedging instruments under ASC 815 (Details) - Designated as Hedging Instrument - Fair value hedging - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Derivative assets
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, asset derivatives, fair value	$ 0	$ 336
Derivative assets \| Corporate Bonds
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, asset derivatives, fair value	0	336
Derivative liabilities
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, liability derivatives, fair value	2,425	2,053
Derivative liabilities \| Brokered CD's
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, liability derivatives, fair value	$ 2,425	$ 2,053

Derivatives and Hedging Activities - Derivatives not designated as hedging instruments under ASC 815 (Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Derivative assets
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	$ 29,896	$ 22,385
Derivative assets \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	951	2,659
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	14,433	6,867
Derivative assets \| Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	1,764	1,150
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	2	13
Derivative assets \| Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	12,746	11,057
Derivative assets \| Interest rate caps
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	0	639
Derivative liabilities
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	34,836	23,323
Derivative liabilities \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	18,489	7,032
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	217	1,551
Derivative liabilities \| Risk participations
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	8	20
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	189	49
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	15,471	14,279
Derivative liabilities \| De-designated hedges
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	$ 462	$ 392

Derivatives and Hedging Activities - Derivatives in cash flow hedging relationships (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Cash flow hedging \| Interest expense \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Income into Income (Effective Portion)	$ (143)	$ (177)	$ (290)	$ (590)

Derivatives and Hedging Activities - Derivatives in fair value hedging relationships (Details) - Fair value hedging - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Effect of fair value hedging derivative financial instruments on the consolidated statement of operations
Amount of Gain (Loss) Recognized in Income on Derivative	$ (144)	$ (250)	$ (1,173)	$ (418)
Amount of Gain (Loss) Recognized in Income on Hedged Item	25	(77)	974	(34)
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	(144)	73	(837)	(201)
Amount of Gain (Loss) Recognized in Income on Hedged Item	25	(344)	569	(155)
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	0	(323)	(336)	(217)
Amount of Gain (Loss) Recognized in Income on Hedged Item	$ 0	$ 267	$ 405	$ 121

Derivatives and Hedging Activities - Gains and losses recognized in income on derivatives not designated as hedging instrument(Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 809	$ 13	$ 3,423	$ 679
Customer derivatives and dealer offsets \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	643	775	1,417	1,250
Bifurcated embedded derivatives and dealer offsets \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	12	119	381	206
Interest rate cap \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	0	90	276	90
De-designated cash flow hedges \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	(17)	28	(83)	4
Mortgage banking derivatives \| Mortgage loan revenue
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	156	(1,000)	1,420	(876)
Risk participations \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 15	$ 1	$ 12	$ 5

Derivatives and Hedging Activities (Detail Textuals)	3 Months Ended		6 Months Ended
Derivatives and Hedging Activities (Detail Textuals)	Jun. 30, 2018 USD ($) Contract	Jun. 30, 2017 USD ($)	Jun. 30, 2018 USD ($) Contract	Jun. 30, 2017 USD ($)	Dec. 31, 2017 USD ($) Contract
Derivative Instruments, Gain (Loss) [Line Items]
Collateral pledged toward derivatives	$ 18,400,000		$ 18,400,000
Cash flow hedging \| Interest Rate Risk
Derivative Instruments, Gain (Loss) [Line Items]
Increase to deposit interest expense over next twelve months			361,000
Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Recognized net losses related to ineffectiveness of hedging relationships	$ 119,000	$ 327,000	$ 199,000	$ 452,000
Fair value hedging of interest rate risk \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| Contract	4		4		4
Total notional amount designated as fair flow hedges	$ 39,000,000		$ 39,000,000		$ 40,700,000
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
Total notional amount designated as fair flow hedges					$ 30,000,000
Interest expense \| Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Net (increase) reduction in interest expense and net increase (reduction) in interest revenue	(66,000)	65,000	(80,000)	97,000
Interest revenue \| Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Net (increase) reduction in interest expense and net increase (reduction) in interest revenue	$ 0	$ (80,000)	$ 17,000	$ (173,000)
Not designated as hedging instrument, economic hedge \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| Contract	3		3

Stock-Based Compensation - Stock option activity (Details) - Stock Options $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2018 USD ($) $ / shares shares
Shares
Outstanding at December 31, 2017 (in shares) \| shares	60,287
Exercised (in shares) \| shares	(12,000)
Cancelled/Forfeited (in shares) \| shares	(181)
Outstanding at June 30, 2018 (in shares) \| shares	48,106
Exercisable at June 30, 2018 (in shares) \| shares	45,606
Weighted-Average Exercise Price
Outstanding at December 31, 2017 (in dollars per share) \| $ / shares	$ 24.12
Exercised (in dollars per share) \| $ / shares	11.85
Cancelled/Forfeited (in dollars per share) \| $ / shares	31.50
Outstanding at June 30, 2018 (in dollars per share) \| $ / shares	27.16
Exercisable at June 30, 2018 (in dollars per share) \| $ / shares	$ 27.73
Weighted-Average Remaining Contractual Term (Years), Outstanding	2 years 4 months 24 days
Weighted-Average Remaining Contractual Term (Years), Exercisable	2 years 1 month 6 days
Aggregate Intrinsic Value, Outstanding \| $	$ 169
Aggregate Intrinsic Value, Exercisable \| $	$ 134

Stock-Based Compensation - Restricted stock unit activity (Details) - Restricted Stock Unit Awards $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2018 USD ($) $ / shares shares
Shares
Outstanding at December 31, 2017 (in shares) \| shares	663,817
Granted (in shares) \| shares	206,123
Vested (in shares) \| shares	(124,551)
Cancelled (in shares) \| shares	(13,665)
Outstanding at June 30, 2018 (in shares) \| shares	731,724
Weighted-Average Grant-Date Fair Value
Outstanding at December 31, 2017 (in dollars share) \| $ / shares	$ 22.40
Granted (in dollars share) \| $ / shares	31.07
Vested (in dollars share) \| $ / shares	18.53
Cancelled (in dollars share) \| $ / shares	21.95
Outstanding at June 30, 2018 (in dollars share) \| $ / shares	$ 25.51
Weighted-Average Remaining Contractual Term (Years), Outstanding	5 years 4 months 24 days
Aggregate Intrinsic Value, Vested \| $	$ 3,998
Aggregate Intrinsic Value, Outstanding \| $	$ 22,442

Stock-Based Compensation (Detail textuals) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Plan vesting period	4 years
Plan exercisable period	10 years
Additional awards remaining available under plan	1,740,000
Stock options granted	0	0
Deferred income tax benefit	$ 22,782	$ 35,685
Unrecognized compensation expense	$ 14,900
Recognition period for unrecognized compensation expense	2 years 4 months 18 days
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 12	15
Restricted Stock Unit Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	2,110	3,020
Other operating expense for restricted stock units granted	156	113
Restricted Stock Unit Awards \| Merger-related and other charges
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense related to modification		696
Restricted Stock Unit Awards \| Compensation expense
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense		2,330
Stock Options and Restricted Stock Units Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred income tax benefit	$ 581	$ 1,230

Common and Preferred Stock Issued / Common Stock Issuable (Detail Textuals) - USD ($)	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017	Mar. 22, 2016
Equity [Abstract]
Shares issued in connection with DRIP (in shares)	3,364	1,714
Discount on stock price offered under Employee Stock Purchase Program (ESPP)	10.00%
Shares issued through ESPP (in shares)	6,489	6,855
Shares of common stock issuable under deferred compensation plan (in shares)	616,549		607,869
Share repurchase program, authorized amount				$ 50,000,000
Share repurchase program, remaining authorization	$ 36,300,000

Income Taxes (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
Income Taxes (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2018	Jun. 30, 2017	Mar. 31, 2017	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Income tax expense	$ 13,532	$ 16,537		$ 24,280	$ 35,015
Effective tax rate (percent)	25.50%	36.90%		23.90%	40.30%
Additional tax expense related to partial impairment of deferred tax asset due to change in state income tax rate	$ 509
Reverse of dedesignated cash flow hedges		$ 0	$ 3,400		$ 3,400
Valuation allowance on deferred tax assets	4,710			$ 4,710		$ 4,410
Net deferred tax asset realized based upon future taxable income	77,300			77,300
Unrecognized income tax benefits	$ 3,390			$ 3,390		$ 3,160

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Assets:
Securities available for sale	$ 2,536,294	$ 2,615,850
Mortgage loans held for sale	34,813	26,252
Derivative financial instruments	29,896	22,721
Liabilities:
Derivative financial instruments	37,261	25,376
U.S. Treasuries
Assets:
Securities available for sale	119,039	121,113
State and political subdivisions
Assets:
Securities available for sale	197,631	197,286
Mortgage-backed securities
Assets:
Securities available for sale	1,806,861	1,727,211
Corporate bonds
Assets:
Securities available for sale	198,165	306,353
Asset-backed securities
Assets:
Securities available for sale	188,963	237,458
Other
Assets:
Securities available for sale	57	57
Recurring
Assets:
Mortgage loans held for sale	34,813	26,252
Deferred compensation plan assets	6,199	5,716
Servicing rights for SBA/USDA loans	7,509	7,740
Residential mortgage servicing rights	10,801	8,262
Derivative financial instruments	29,896	22,721
Total assets	2,625,512	2,686,541
Liabilities:
Deferred compensation plan liability	6,199	5,716
Derivative financial instruments	37,261	25,376
Total liabilities	43,460	31,092
Recurring \| U.S. Treasuries
Assets:
Securities available for sale	119,039	121,113
Recurring \| U.S. Agencies
Assets:
Securities available for sale	25,578	26,372
Recurring \| State and political subdivisions
Assets:
Securities available for sale	197,631	197,286
Recurring \| Mortgage-backed securities
Assets:
Securities available for sale	1,806,861	1,727,211
Recurring \| Corporate bonds
Assets:
Securities available for sale	198,165	306,353
Recurring \| Asset-backed securities
Assets:
Securities available for sale	188,963	237,458
Recurring \| Other
Assets:
Securities available for sale	57	57
Recurring \| Level 1
Assets:
Mortgage loans held for sale	0	0
Deferred compensation plan assets	6,199	5,716
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	0	0
Total assets	125,238	126,829
Liabilities:
Deferred compensation plan liability	6,199	5,716
Derivative financial instruments	0	0
Total liabilities	6,199	5,716
Recurring \| Level 1 \| U.S. Treasuries
Assets:
Securities available for sale	119,039	121,113
Recurring \| Level 1 \| U.S. Agencies
Assets:
Securities available for sale	0	0
Recurring \| Level 1 \| State and political subdivisions
Assets:
Securities available for sale	0	0
Recurring \| Level 1 \| Mortgage-backed securities
Assets:
Securities available for sale	0	0
Recurring \| Level 1 \| Corporate bonds
Assets:
Securities available for sale	0	0
Recurring \| Level 1 \| Asset-backed securities
Assets:
Securities available for sale	0	0
Recurring \| Level 1 \| Other
Assets:
Securities available for sale	0	0
Recurring \| Level 2
Assets:
Mortgage loans held for sale	34,813	26,252
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	15,386	10,514
Total assets	2,466,464	2,530,603
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	18,895	8,632
Total liabilities	18,895	8,632
Recurring \| Level 2 \| U.S. Treasuries
Assets:
Securities available for sale	0	0
Recurring \| Level 2 \| U.S. Agencies
Assets:
Securities available for sale	25,578	26,372
Recurring \| Level 2 \| State and political subdivisions
Assets:
Securities available for sale	197,631	197,286
Recurring \| Level 2 \| Mortgage-backed securities
Assets:
Securities available for sale	1,806,861	1,727,211
Recurring \| Level 2 \| Corporate bonds
Assets:
Securities available for sale	197,175	305,453
Recurring \| Level 2 \| Asset-backed securities
Assets:
Securities available for sale	188,963	237,458
Recurring \| Level 2 \| Other
Assets:
Securities available for sale	57	57
Recurring \| Level 3
Assets:
Mortgage loans held for sale	0	0
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	7,509	7,740
Residential mortgage servicing rights	10,801	8,262
Derivative financial instruments	14,510	12,207
Total assets	33,810	29,109
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	18,366	16,744
Total liabilities	18,366	16,744
Recurring \| Level 3 \| U.S. Treasuries
Assets:
Securities available for sale	0	0
Recurring \| Level 3 \| U.S. Agencies
Assets:
Securities available for sale	0	0
Recurring \| Level 3 \| State and political subdivisions
Assets:
Securities available for sale	0	0
Recurring \| Level 3 \| Mortgage-backed securities
Assets:
Securities available for sale	0	0
Recurring \| Level 3 \| Corporate bonds
Assets:
Securities available for sale	990	900
Recurring \| Level 3 \| Asset-backed securities
Assets:
Securities available for sale	0	0
Recurring \| Level 3 \| Other
Assets:
Securities available for sale	$ 0	$ 0

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value (Details) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Derivative Asset
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	$ 13,877	$ 12,649	$ 12,207	$ 11,777
Business combinations			0	0
Transfer from amortization method to fair value			0	0
Additions	0	0	0	0
Sales and settlements	0	(702)	(1,029)	(1,086)
Other comprehensive income	0	0	0	0
Amounts included in earnings - fair value adjustments	633	(91)	3,332	1,165
Balance at end of period	14,510	11,856	14,510	11,856
Servicing rights for SBA/USDA loans
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	7,470	5,997	7,740	5,752
Business combinations			(354)	0
Transfer from amortization method to fair value			0	0
Additions	613	668	1,092	1,221
Sales and settlements	(316)	(36)	(407)	(299)
Other comprehensive income	0	0	0	0
Amounts included in earnings - fair value adjustments	(258)	11	(562)	(34)
Balance at end of period	7,509	6,640	7,509	6,640
Residential mortgage servicing rights
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	9,718	5,971	8,262	0
Business combinations			0	0
Transfer from amortization method to fair value			0	5,070
Additions	1,182	947	2,108	1,813
Sales and settlements	(126)	(74)	(206)	(114)
Other comprehensive income	0	0	0	0
Amounts included in earnings - fair value adjustments	27	(345)	637	(270)
Balance at end of period	10,801	6,499	10,801	6,499
Securities Available-for-Sale
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	900	675	900	675
Business combinations			0	0
Transfer from amortization method to fair value			0	0
Additions	0	0	0	0
Sales and settlements	0	0	0	0
Other comprehensive income	90	135	90	135
Amounts included in earnings - fair value adjustments	0	0	0	0
Balance at end of period	990	810	990	810
Derivative Liability
Reconciliation of Liabilities at Level 3 Measurement
Balance at beginning of period	17,788	16,580	16,744	16,347
Business combinations			0	0
Transfer from amortization method to fair value			0	0
Additions	0	0	0	0
Sales and settlements	0	(964)	(1,347)	(1,514)
Other comprehensive income	0	0	0	0
Amounts included in earnings - fair value adjustments	578	475	2,969	1,258
Balance at end of period	$ 18,366	$ 16,091	$ 18,366	$ 16,091

Assets and Liabilities Measured at Fair Value - Level 3 fair value measurements for fair value on recurring basis (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	$ 2,536,294	$ 2,615,850
Derivative assets	29,896	22,721
Derivative liabilities	37,261	25,376
Recurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing rights for SBA/USDA loans	7,509	7,740
Residential mortgage servicing rights	10,801	8,262
Derivative assets	29,896	22,721
Derivative liabilities	37,261	25,376
Recurring \| Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing rights for SBA/USDA loans	7,509	7,740
Residential mortgage servicing rights	10,801	8,262
Derivative assets	14,510	12,207
Derivative liabilities	18,366	16,744
Recurring \| Level 3 \| Servicing rights for SBA/USDA loans
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Servicing rights for SBA/USDA loans	$ 7,509	$ 7,740
Valuation Technique	Discounted cash flow	Discounted cash flow
Unobservable Inputs	Discount rate, Prepayment rate	Discount rate, Prepayment rate
Recurring \| Level 3 \| Servicing rights for SBA/USDA loans \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	12.70%	12.50%
Prepayment Rate	10.10%	8.30%
Recurring \| Level 3 \| Residential mortgage servicing rights
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Residential mortgage servicing rights	$ 10,801	$ 8,262
Valuation Technique	Discounted cash flow	Discounted cash flow
Unobservable Inputs	Discount rate, Prepayment rate	Discount rate, Prepayment rate
Recurring \| Level 3 \| Residential mortgage servicing rights \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	10.00%	10.00%
Prepayment Rate	8.60%	9.50%
Recurring \| Level 3 \| Corporate bonds
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	$ 990	$ 900
Valuation Technique	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
Recurring \| Level 3 \| Derivative assets - mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative assets	$ 1,764	$ 1,150
Valuation Technique	Internal model	Internal model
Unobservable Inputs	Pull through rate	Pull through rate
Recurring \| Level 3 \| Derivative assets - mortgage \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Pull through rate	81.10%	80.00%
Recurring \| Level 3 \| Derivative assets - other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative assets	$ 12,746	$ 11,057
Valuation Technique	Dealer priced	Dealer priced
Unobservable Inputs	Dealer priced	Dealer priced
Recurring \| Level 3 \| Derivative liabilities - risk participations
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative liabilities	$ 8	$ 20
Valuation Technique	Internal model	Internal model
Unobservable Inputs	Probable exposure rate, Probability of default rate	Probable exposure rate, Probability of default rate
Recurring \| Level 3 \| Derivative liabilities - risk participations \| Weighted Average
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Probable exposure rate	0.50%	0.40%
Probability of default rate	1.80%	1.80%
Recurring \| Level 3 \| Derivative liabilities - other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative liabilities	$ 18,358	$ 16,724
Valuation Technique	Dealer priced	Dealer priced
Unobservable Inputs	Dealer priced	Dealer priced

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on nonrecurring basis (Details) - Nonrecurring - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 6,570	$ 6,905
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 6,570	$ 6,905

Assets and Liabilities Measured at Fair Value - Fair values for other financial instruments that are not measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Assets:
Securities held to maturity	$ 291,463	$ 321,276
Carrying Amount
Assets:
Securities held to maturity	297,569	321,094
Loans, net	8,159,200	7,676,658
Loans held for sale		6,482
Liabilities:
Deposits	9,966,088	9,807,697
Federal Home Loan Bank advances	560,000	504,651
Long-term debt	308,434	120,545
Fair Value
Assets:
Securities held to maturity	291,463	321,276
Loans, net	8,132,734	7,674,460
Loans held for sale		6,514
Liabilities:
Deposits	9,958,439	9,809,264
Federal Home Loan Bank advances	559,979	504,460
Long-term debt	321,424	123,844
Fair Value \| Level 1
Assets:
Securities held to maturity	0	0
Loans, net	0	0
Loans held for sale		0
Liabilities:
Deposits	0	0
Federal Home Loan Bank advances	0	0
Long-term debt	0	0
Fair Value \| Level 2
Assets:
Securities held to maturity	291,463	321,276
Loans, net	0	0
Loans held for sale		6,514
Liabilities:
Deposits	9,958,439	9,809,264
Federal Home Loan Bank advances	559,979	504,460
Long-term debt	0	0
Fair Value \| Level 3
Assets:
Securities held to maturity	0	0
Loans, net	8,132,734	7,674,460
Loans held for sale		0
Liabilities:
Deposits	0	0
Federal Home Loan Bank advances	0	0
Long-term debt	$ 321,424	$ 123,844

Assets and Liabilities Measured at Fair Value (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2017
Fair Value Disclosures [Abstract]
Mortgage loans held for sale	$ 34,813		$ 34,813		$ 26,252
Mortgage loans held for sale outstanding principal balance	33,700		33,700		$ 25,400
Net gains (losses) from changes in fair value of loans	$ 326	$ 192	$ 254	$ 444
Percentage of write down in appraised 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	Jun. 30, 2018	Dec. 31, 2017
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 2,047,081	$ 1,910,777
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 26,396	$ 28,075

Commitments and Contingencies (Detail Textuals) $ in Thousands	Jun. 30, 2018 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Commitment for additional fund	$ 9,160

Goodwill and Other Intangible Assets - Carrying amount (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016
Finite-Lived Intangible Assets [Line Items]
Intangible, net	$ 20,062		$ 23,806
Goodwill	307,112	$ 306,419	220,591	$ 142,025	$ 142,025	$ 142,025
Total goodwill and other intangible assets, net	327,174		244,397
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Intangible, gross	62,652		62,652
Less: accumulated amortization	(43,786)		(41,229)
Intangible, net	18,866		21,423
Noncompete agreement
Finite-Lived Intangible Assets [Line Items]
Intangible, gross	3,144		3,144
Less: accumulated amortization	(1,948)		(761)
Intangible, net	$ 1,196		$ 2,383

Goodwill and Other Intangible Assets - Changes in carrying amount of goodwill (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
Goodwill [Roll Forward]
Goodwill, gross, beginning of period	$ 612,009	$ 526,181	$ 447,615	$ 526,181	$ 447,615
Accumulated Impairment Losses, beginning of period	(305,590)	(305,590)	(305,590)	(305,590)	(305,590)
Goodwill, net of Accumulated Impairment Losses, beginning of period	306,419	220,591	142,025	220,591	142,025
Acquisition of NLFC	390			87,379
Measurement period adjustments - FOFN and HCSB	303			(858)
Measurement period adjustments			0		0
Goodwill, gross, end of period	612,702	612,009	447,615	612,702	447,615
Accumulated Impairment Losses, end of period	(305,590)	(305,590)	(305,590)	(305,590)	(305,590)
Goodwill, net of Accumulated Impairment Losses, end of period	$ 307,112	$ 306,419	$ 142,025	$ 307,112	$ 142,025

Goodwill and Other Intangible Assets - Estimated aggregate amortization expense for future periods (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Estimated Aggregate Amortization Expense For Future Periods
Remainder of 2018	$ 3,102
2019	4,551
2020	3,315
2021	2,557
2022	1,982
Thereafter	4,555
Total	$ 20,062	$ 23,806

Long-term Debt - Schedule of long-term debt (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Less discount	$ (9,871)	$ (8,381)
Long-term debt	308,434	120,545
Securitized notes payable
Debt Instrument [Line Items]
Long-term debt, gross	89,379	0
Securitized notes payable \| NER 15-1 Class C notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 7,025	0
Issue date	2015
Stated maturity date	2019
Interest rate	4.50%
Securitized notes payable \| NER 15-1 Class D notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 3,421	0
Issue date	2015
Stated maturity date	2021
Interest rate	5.75%
Securitized notes payable \| NER 16-1 Class A-2 notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 43,912	0
Issue date	2016
Stated maturity date	2021
Interest rate	2.20%
Securitized notes payable \| NER 16-1 Class B notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 25,489	0
Issue date	2016
Stated maturity date	2021
Interest rate	3.22%
Securitized notes payable \| NER 16-1 Class C notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 6,319	0
Issue date	2016
Stated maturity date	2021
Interest rate	5.05%
Securitized notes payable \| NER 16-1 Class D notes
Debt Instrument [Line Items]
Long-term debt, gross	$ 3,213	0
Issue date	2016
Stated maturity date	2023
Interest rate	7.87%
Senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 85,000	85,000
Senior debentures \| 2022 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 50,000	50,000
Issue date	2015
Stated maturity date	2022
Earliest call date	2020
Interest rate	5.00%
Variable rate basis	3-month LIBOR
Senior debentures \| 2022 senior debentures \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	3.814%
Senior debentures \| 2027 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 35,000	35,000
Issue date	2015
Stated maturity date	2027
Earliest call date	2025
Interest rate	5.50%
Variable rate basis	3-month LIBOR
Senior debentures \| 2027 senior debentures \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	3.71%
Subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 111,500	11,500
Subordinated debentures \| 2028 subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 100,000	0
Issue date	2018
Stated maturity date	2028
Earliest call date	2023
Interest rate	4.50%
Variable rate basis	3-month LIBOR
Subordinated debentures \| 2028 subordinated debentures \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	2.12%
Subordinated debentures \| 2025 subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 11,500	11,500
Issue date	2015
Stated maturity date	2025
Earliest call date	2020
Interest rate	6.25%
Trust preferred securities
Debt Instrument [Line Items]
Long-term debt, gross	$ 32,426	32,426
Trust preferred securities \| Southern Bancorp Capital Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 4,382	4,382
Issue date	2004
Stated maturity date	2034
Earliest call date	2009
Variable rate basis	Prime
Trust preferred securities \| Southern Bancorp Capital Trust I \| Prime Rate
Debt Instrument [Line Items]
Basis spread on variable rate	1.00%
Trust preferred securities \| United Community Statutory Trust III
Debt Instrument [Line Items]
Long-term debt, gross	$ 1,238	1,238
Issue date	2008
Stated maturity date	2038
Earliest call date	2013
Variable rate basis	Prime
Trust preferred securities \| United Community Statutory Trust III \| Prime Rate
Debt Instrument [Line Items]
Basis spread on variable rate	3.00%
Trust preferred securities \| Tidelands Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 8,248	8,248
Issue date	2006
Stated maturity date	2036
Earliest call date	2011
Variable rate basis	3-month LIBOR
Trust preferred securities \| Tidelands Statutory Trust I \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	1.38%
Trust preferred securities \| Tidelands Statutory Trust II
Debt Instrument [Line Items]
Long-term debt, gross	$ 6,186	6,186
Issue date	2008
Stated maturity date	2038
Earliest call date	2013
Variable rate basis	3-month LIBOR
Trust preferred securities \| Tidelands Statutory Trust II \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	5.075%
Trust preferred securities \| Four Oaks Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 12,372	$ 12,372
Issue date	2006
Stated maturity date	2036
Earliest call date	2011
Variable rate basis	3-month LIBOR
Trust preferred securities \| Four Oaks Statutory Trust I \| LIBOR
Debt Instrument [Line Items]
Basis spread on variable rate	1.35%

Long-term Debt (Detail Textuals)	6 Months Ended
Long-term Debt (Detail Textuals)	Jun. 30, 2018 USD ($)
Senior debentures \| 2022 senior debentures
Debt Instrument [Line Items]
Percentage of principal amount redeemed	100.00%
Maturity date	Feb. 14, 2022
Senior debentures \| 2027 senior debentures
Debt Instrument [Line Items]
Percentage of principal amount redeemed	100.00%
Maturity date	Feb. 14, 2027
Subordinated debentures \| 2025 subordinated debentures
Debt Instrument [Line Items]
Maturity date	Nov. 30, 2025
Aggregate principal amount	$ 11,500,000
Subordinated debentures \| 2028 subordinated debentures
Debt Instrument [Line Items]
Maturity date	Jan. 30, 2028
Aggregate principal amount	$ 100,000,000

Subsequent Events (Details) - $ / shares		6 Months Ended
Subsequent Events (Details) - $ / shares	Aug. 01, 2018	Jun. 30, 2018	Jun. 30, 2017
Subsequent Event [Line Items]
Common stock dividends (in dollars per share)		$ 0.27	$ 0.18
Subsequent Event
Subsequent Event [Line Items]
Common stock dividends (in dollars per share)	$ 0.15
Dividends payable, date to be paid	Oct. 05, 2018
Dividends payable, date of record	Sep. 15, 2018

Loans and Leases and Allowance for Credit Losses - Loans modified under terms of TDR (Details) - Loans Receivable $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2018 USD ($) Contract	Jun. 30, 2017 USD ($) Contract	Jun. 30, 2018 USD ($) Contract	Jun. 30, 2017 USD ($) Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	22	11	28	21
Pre-Modification Outstanding Recorded Investment	$ 1,076	$ 2,893	$ 2,491	$ 3,317
Post-Modification Outstanding Recorded Investment	$ 1,075	$ 2,773	$ 2,398	$ 3,197
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	3	0	5	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 387	$ 0	$ 1,973	$ 655
Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	106	0	106	40
Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	733	2,371	2,056	2,755
Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 236	$ 402	$ 236	$ 402
Home equity lines of credit
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	0	1	0	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 296	$ 0	$ 296
Post-Modification Outstanding Recorded Investment	$ 0	$ 176	$ 0	$ 176
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Home equity lines of credit \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Home equity lines of credit \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Home equity lines of credit \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 176	$ 0	$ 176
Indirect auto
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	17	0	17	0
Pre-Modification Outstanding Recorded Investment	$ 236	$ 0	$ 236	$ 0
Post-Modification Outstanding Recorded Investment	$ 236	$ 0	$ 236	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Indirect auto \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Indirect auto \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Indirect auto \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 236	$ 0	$ 236	$ 0
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	3	5	7	6
Pre-Modification Outstanding Recorded Investment	$ 415	$ 2,114	$ 1,490	$ 2,139
Post-Modification Outstanding Recorded Investment	$ 415	$ 2,114	$ 1,398	$ 2,139
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	2	0	4	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 286	$ 0	$ 1,872	$ 0
Commercial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	106	0	106	0
Commercial \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	309	1,888	1,292	1,913
Commercial \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 226	$ 0	$ 226
Commercial \| Owner occupied commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	3	4	3
Pre-Modification Outstanding Recorded Investment	$ 282	$ 1,860	$ 1,276	$ 1,860
Post-Modification Outstanding Recorded Investment	$ 282	$ 1,860	$ 1,260	$ 1,860
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	1	0	3	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 283	$ 0	$ 1,869	$ 0
Commercial \| Owner occupied commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Owner occupied commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	282	1,860	1,260	1,860
Commercial \| Owner occupied commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Income producing commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	1	1	1
Pre-Modification Outstanding Recorded Investment	$ 106	$ 226	$ 106	$ 226
Post-Modification Outstanding Recorded Investment	$ 106	$ 226	$ 106	$ 226
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Income producing commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	106	0	106	0
Commercial \| Income producing commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Income producing commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 226	$ 0	$ 226
Commercial \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	0	0	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	1	0	1	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 3	$ 0	$ 3	$ 0
Commercial \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Equipment financing
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	0	0	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Equipment financing \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Equipment financing \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Equipment financing \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Commercial & industrial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1	1	2	2
Pre-Modification Outstanding Recorded Investment	$ 27	$ 28	$ 108	$ 53
Post-Modification Outstanding Recorded Investment	$ 27	$ 28	$ 32	$ 53
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Commercial \| Commercial & industrial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Commercial \| Commercial & industrial \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	27	28	32	53
Commercial \| Commercial & industrial \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Residential \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	0	0	0	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 40
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 40
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Residential \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	40
Residential \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Residential \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Residential \| Residential mortgage
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	2	5	4	12
Pre-Modification Outstanding Recorded Investment	$ 425	$ 483	$ 765	$ 836
Post-Modification Outstanding Recorded Investment	$ 424	$ 483	$ 764	$ 836
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	1	0	1	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 101	$ 0	$ 101	$ 655
Residential \| Residential mortgage \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Residential \| Residential mortgage \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	424	483	764	836
Residential \| Residential mortgage \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0
Consumer direct
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	0	0	0	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 6
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 6
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| Contract	0	0	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0	$ 0	$ 0
Consumer direct \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	0
Consumer direct \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	0	0	0	6
Consumer direct \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0	$ 0

Loans and Leases and Allowance for Credit Losses - Risk category of loans by class of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Risk category of loans by class of loans
Total loans	$ 8,220,271	$ 7,735,572
Pass
Risk category of loans by class of loans
Total loans	7,971,271	7,475,802
Watch
Risk category of loans by class of loans
Total loans	106,708	118,951
Substandard
Risk category of loans by class of loans
Total loans	142,292	140,819
Doubtful / Loss
Risk category of loans by class of loans
Total loans	0	0
Loans Receivable
Risk category of loans by class of loans
Total loans, excluding PCI loans	8,130,428	7,637,058
Loans Outstanding, PCI	89,843	98,514
Total loans	8,220,271	7,735,572
Loans Receivable \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	7,930,339	7,443,117
Loans Outstanding, PCI	40,932	32,685
Loans Receivable \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	79,697	85,350
Loans Outstanding, PCI	27,011	33,601
Loans Receivable \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	120,392	108,591
Loans Outstanding, PCI	21,900	32,228
Loans Receivable \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Home equity lines of credit
Risk category of loans by class of loans
Total loans, excluding PCI loans	705,823	728,336
Loans Outstanding, PCI	1,895	2,891
Total loans	707,718	731,227
Loans Receivable \| Home equity lines of credit \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	699,455	721,142
Loans Outstanding, PCI	1,334	1,579
Loans Receivable \| Home equity lines of credit \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	427
Loans Receivable \| Home equity lines of credit \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,368	7,194
Loans Outstanding, PCI	561	885
Loans Receivable \| Home equity lines of credit \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Indirect auto
Risk category of loans by class of loans
Total loans, excluding PCI loans	277,275	358,185
Loans Outstanding, PCI	0	0
Total loans	277,275	358,185
Loans Receivable \| Indirect auto \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	275,233	354,788
Loans Outstanding, PCI	0	0
Loans Receivable \| Indirect auto \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Indirect auto \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	2,042	3,397
Loans Outstanding, PCI	0	0
Loans Receivable \| Indirect auto \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial
Risk category of loans by class of loans
Total loans, excluding PCI loans	5,821,606	5,281,195
Loans Outstanding, PCI	74,730	80,898
Total loans	5,896,336	5,362,093
Loans Receivable \| Commercial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	5,652,099	5,121,054
Loans Outstanding, PCI	30,261	20,041
Loans Receivable \| Commercial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	79,697	85,350
Loans Outstanding, PCI	26,616	32,991
Loans Receivable \| Commercial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	89,810	74,791
Loans Outstanding, PCI	17,853	27,866
Loans Receivable \| Commercial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Commercial & industrial
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,192,410	1,129,548
Loans Outstanding, PCI	636	1,442
Total loans	1,193,046	1,130,990
Loans Receivable \| Commercial \| Commercial & industrial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,158,458	1,097,907
Loans Outstanding, PCI	258	383
Loans Receivable \| Commercial \| Commercial & industrial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	14,103	18,052
Loans Outstanding, PCI	227	672
Loans Receivable \| Commercial \| Commercial & industrial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	19,849	13,589
Loans Outstanding, PCI	151	387
Loans Receivable \| Commercial \| Commercial & industrial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,668,369	1,898,234
Loans Outstanding, PCI	13,368	25,759
Total loans	1,681,737	1,923,993
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,607,152	1,833,469
Loans Outstanding, PCI	2,586	2,400
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	21,030	33,571
Loans Outstanding, PCI	3,027	8,163
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	40,187	31,194
Loans Outstanding, PCI	7,755	15,196
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Income producing commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,779,205	1,550,334
Loans Outstanding, PCI	42,179	44,840
Total loans	1,821,384	1,595,174
Loans Receivable \| Commercial \| Income producing commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,738,757	1,495,805
Loans Outstanding, PCI	12,918	13,392
Loans Receivable \| Commercial \| Income producing commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	19,989	30,780
Loans Outstanding, PCI	22,609	21,928
Loans Receivable \| Commercial \| Income producing commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	20,459	23,749
Loans Outstanding, PCI	6,652	9,520
Loans Receivable \| Commercial \| Income producing commercial real estate \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	729,002	703,079
Loans Outstanding, PCI	6,573	8,857
Total loans	735,575	711,936
Loans Receivable \| Commercial \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	696,187	693,873
Loans Outstanding, PCI	3,345	3,866
Loans Receivable \| Commercial \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	24,575	2,947
Loans Outstanding, PCI	753	2,228
Loans Receivable \| Commercial \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	8,240	6,259
Loans Outstanding, PCI	2,475	2,763
Loans Receivable \| Commercial \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Equipment financing
Risk category of loans by class of loans
Total loans, excluding PCI loans	452,620	0
Loans Outstanding, PCI	11,974	0
Total loans	464,594	0
Loans Receivable \| Commercial \| Equipment financing \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	451,545	0
Loans Outstanding, PCI	11,154	0
Loans Receivable \| Commercial \| Equipment financing \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Commercial \| Equipment financing \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,075	0
Loans Outstanding, PCI	820	0
Loans Receivable \| Commercial \| Equipment financing \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Residential \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	194,654	182,555
Loans Outstanding, PCI	926	464
Total loans	195,580	183,019
Loans Receivable \| Residential \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	192,656	180,567
Loans Outstanding, PCI	473	423
Loans Receivable \| Residential \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	247	0
Loans Receivable \| Residential \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,998	1,988
Loans Outstanding, PCI	206	41
Loans Receivable \| Residential \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Residential \| Residential mortgage
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,009,084	960,403
Loans Outstanding, PCI	11,522	13,141
Total loans	1,020,606	973,544
Loans Receivable \| Residential \| Residential mortgage \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	989,403	939,706
Loans Outstanding, PCI	8,167	9,566
Loans Receivable \| Residential \| Residential mortgage \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	148	173
Loans Receivable \| Residential \| Residential mortgage \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	19,681	20,697
Loans Outstanding, PCI	3,207	3,402
Loans Receivable \| Residential \| Residential mortgage \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	0
Loans Receivable \| Consumer direct
Risk category of loans by class of loans
Total loans, excluding PCI loans	121,986	126,384
Loans Outstanding, PCI	770	1,120
Total loans	122,756	127,504
Loans Receivable \| Consumer direct \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	121,493	125,860
Loans Outstanding, PCI	697	1,076
Loans Receivable \| Consumer direct \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	0	10
Loans Receivable \| Consumer direct \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	493	524
Loans Outstanding, PCI	73	34
Loans Receivable \| Consumer direct \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
Loans Outstanding, PCI	$ 0	$ 0