0000857855-19-000025 | 10-Q | XBRL Viewer | United Community Banks INC

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Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2019	Apr. 30, 2019
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		79,039,390
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest revenue:
Loans, including fees	$ 115,259	$ 96,469
Investment securities, including tax exempt of $1,169 and $972	20,818	18,295
Deposits in banks and short-term investments	439	526
Total interest revenue	136,516	115,290
Deposits:
NOW and interest-bearing demand	3,536	1,113
Money market	4,205	2,175
Savings	32	49
Time	8,184	2,956
Total deposit interest expense	15,957	6,293
Short-term borrowings	161	300
Federal Home Loan Bank advances	1,422	2,124
Long-term debt	3,342	3,288
Total interest expense	20,882	12,005
Net interest revenue	115,634	103,285
Provision for credit losses	3,300	3,800
Net interest revenue after provision for credit losses	112,334	99,485
Noninterest income:
Service charges and fees	8,453	8,925
Mortgage loan and other related fees	3,748	5,359
Brokerage fees	1,337	872
Gains from sales of SBA/USDA loans	1,303	1,778
Securities losses, net	(267)	(940)
Other	6,394	6,402
Total noninterest income	20,968	22,396
Total revenue	133,302	121,881
Noninterest expenses:
Salaries and employee benefits	47,503	42,875
Communications and equipment	5,788	4,632
Occupancy	5,584	5,613
Advertising and public relations	1,286	1,515
Postage, printing and supplies	1,586	1,637
Professional fees	3,161	4,044
FDIC assessments and other regulatory charges	1,710	2,476
Amortization of intangibles	1,293	1,898
Merger-related and other charges	546	2,054
Other	7,627	6,731
Total noninterest expenses	76,084	73,475
Net income before income taxes	57,218	48,406
Income tax expense	12,956	10,748
Net income	44,262	37,658
Net income available to common shareholders	$ 43,947	$ 37,381
Earnings per common share:
Basic (in dollars per share)	$ 0.55	$ 0.47
Diluted (in dollars per share)	$ 0.55	$ 0.47
Weighted average common shares outstanding:
Basic (in shares)	79,807	79,205
Diluted (in shares)	79,813	79,215

Consolidated Statements of Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
Investment securities, tax exempt	$ 1,169	$ 972

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 57,218	$ 48,406
Net income, Tax (Expense) Benefit	(12,956)	(10,748)
Net income	44,262	37,658
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses) arising during period, Before-tax Amount	33,174	(29,265)
Unrealized holding gains (losses) arising during period, Tax (Expense) Benefit	(8,049)	7,155
Unrealized holding gains (losses) arising during period, Net of Tax Amount	25,125	(22,110)
Reclassification adjustment for (gains) losses included in net income, Before-tax Amount	267	940
Reclassification adjustment for (gains) losses included in net income, Tax (Expense) Benefit	(68)	(221)
Reclassification adjustment for (gains) losses included in net income, Net of Tax Amount	199	719
Net unrealized gains (losses), Before-tax Amount	33,441	(28,325)
Net unrealized gains (losses), Tax (Expense) Benefit	(8,117)	6,934
Net unrealized gains (losses), Net of Tax Amount	25,324	(21,391)
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Before-tax Amount	84	222
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Tax (Expense) Benefit	(20)	(54)
Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity, Net of Tax Amount	64	168
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Before-tax Amount	102	147
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, Tax (Expense) Benefit	(26)	(38)
Amortization of losses included in net income on terminated derivative financial instruments that were previously accounted for as cash flow hedges, After-tax Amount	76	109
Defined benefit pension plan activity:
Net actuarial loss on defined benefit pension plan, Before-tax Amount		(5)
Net actuarial loss on defined benefit pension plan, Tax (Expense) Benefit		1
Net actuarial loss on defined benefit pension plan, Net of Tax Amount		(4)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Before-tax Amount	174	227
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Tax (Expense) Benefit	(44)	(58)
Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan, Net of Tax Amount	130	169
Net defined benefit pension plan activity, Before-tax Amount		222
Net defined benefit pension plan activity, Tax (Expense) Benefit		(57)
Net defined benefit pension plan activity, Net of Tax Amount		165
Total other comprehensive income (loss), Before-tax Amount	33,801	(27,734)
Total other comprehensive income (loss), Tax (Expense) Benefit	(8,207)	6,785
Total other comprehensive income (loss), net of tax amount	25,594	(20,949)
Comprehensive income, Before-tax Amount	91,019	20,672
Comprehensive income, Tax (Expense) Benefit	(21,163)	(3,963)
Comprehensive income, Net of Tax Amount	$ 69,856	$ 16,709

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 118,659	$ 126,083
Interest-bearing deposits in banks (includes restricted cash of $6.43 million and $6.70 million)	206,836	201,182
Cash and cash equivalents	325,495	327,265
Debt securities available for sale	2,454,625	2,628,467
Debt securities held to maturity (fair value $265,117 and $268,803)	265,329	274,407
Loans held for sale at fair value	26,341	18,935
Loans and leases, net of unearned income	8,493,254	8,383,401
Less allowance for loan and lease losses	(61,642)	(61,203)
Loans and leases, net	8,431,612	8,322,198
Premises and equipment, net	214,022	206,140
Bank owned life insurance	193,489	192,616
Accrued interest receivable	35,126	35,413
Net deferred tax asset	51,055	64,224
Derivative financial instruments	25,924	24,705
Goodwill and other intangible assets	322,779	324,072
Other assets	160,030	154,750
Total assets	12,505,827	12,573,192
Deposits:
Noninterest-bearing demand	3,313,861	3,210,220
NOW and interest-bearing demand	2,205,117	2,274,775
Money market	2,106,045	2,097,526
Savings	681,739	669,886
Time	1,668,563	1,598,391
Brokered	558,981	683,715
Total deposits	10,534,306	10,534,513
Federal Home Loan Bank advances	40,000	160,000
Long-term debt	257,259	267,189
Derivative financial instruments	18,789	26,433
Accrued expenses and other liabilities	147,315	127,503
Total liabilities	10,997,669	11,115,638
Shareholders' equity:
Common stock, $1 par value; 150,000,000 shares authorized; 79,035,459 and 79,234,077 shares issued and outstanding	79,035	79,234
Common stock issuable; 621,491 and 674,499 shares	10,291	10,744
Capital surplus	1,494,400	1,499,584
Accumulated deficit	(59,573)	(90,419)
Accumulated other comprehensive loss	(15,995)	(41,589)
Total shareholders' equity	1,508,158	1,457,554
Total liabilities and shareholders' equity	$ 12,505,827	$ 12,573,192

Consolidated Balance Sheets (Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Held to maturity, fair value	$ 265,117	$ 268,803
Restricted Cash and Cash Equivalents	$ 6,430	$ 6,700
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)	79,035,459	79,234,077
Common stock outstanding (in shares)	79,035,459	79,234,077
Common stock issuable (in shares)	621,491	674,499

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Common Stock Issuable	Capital Surplus	Accumulated Deficit	Accumulated Other Comprehensive Income (Loss)
Beginning 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	37,658				37,658
Other comprehensive income (loss)	(20,949)					(20,949)
Common stock issued to dividend reinvestment plan and employee benefit plans (8,445 shares and 5,204 shares for the periods ended March 31, 2019 and 2018, respectively)	144	5		139
Common stock issued for acquisition (1,443,987 shares)	45,746	1,444		44,302
Amortization of stock options and or restricted stock awards	1,148			1,148
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (15,945 shares issued, 19,450 shares deferred and 48,310 shares issued, 46,074 shares deferred for the periods ended March 31, 2019 and 2018, respectively)	(827)	48	850	(1,725)
Deferred compensation plan, net, including dividend equivalents	143		143
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (70,044 shares and 45,558 shares for the periods ended March 31, 2019 and 2018, respectively)	(9)	46	(684)	629
Common stock dividends ($0.16 per share and $0.12 per share for the periods ended March 31, 2019 and 2018, respectively)	(9,633)				(9,633)
Ending balance at Mar. 31, 2018	1,356,755	79,123	9,392	1,496,307	(181,877)	(46,190)
Beginning balance at Dec. 31, 2018	1,457,554	79,234	10,744	1,499,584	(90,419)	(41,589)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	44,262				44,262
Other comprehensive income (loss)	25,594					25,594
Exercise of stock options (12,000 shares)	197	12		185
Common stock issued to dividend reinvestment plan and employee benefit plans (8,445 shares and 5,204 shares for the periods ended March 31, 2019 and 2018, respectively)	186	8		178
Amortization of stock options and or restricted stock awards	1,985			1,985
Vesting of restricted stock, net of shares surrendered to cover payroll taxes (15,945 shares issued, 19,450 shares deferred and 48,310 shares issued, 46,074 shares deferred for the periods ended March 31, 2019 and 2018, respectively)	(317)	16	532	(865)
Purchases of common stock (305,052 shares)	(7,840)	(305)		(7,535)
Deferred compensation plan, net, including dividend equivalents	185		185
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (70,044 shares and 45,558 shares for the periods ended March 31, 2019 and 2018, respectively)	(232)	70	(1,170)	868
Common stock dividends ($0.16 per share and $0.12 per share for the periods ended March 31, 2019 and 2018, respectively)	(12,867)				(12,867)
Ending balance at Mar. 31, 2019	$ 1,508,158	$ 79,035	$ 10,291	$ 1,494,400	$ (59,573)	$ (15,995)

Consolidated Statement of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
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)	8,445	5,204
Common stock issued for acquisition (in shares)	0	1,443,987
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares issued (in shares)	15,945	48,310
Vesting of restricted stock, net of shares surrendered to cover payroll taxes, shares deferred (in shares)	19,450	46,074
Purchases of common stock (in shares)	305,052
Shares issued from deferred compensation plan, net of shares surrendered to cover payroll taxes (in shares)	70,044	45,558
Common stock dividends (in dollars per share)	$ 0.16	$ 0.12

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Operating activities:
Net income	$ 44,262	$ 37,658
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	6,373	10,487
Provision for credit losses	3,300	3,800
Stock based compensation	1,985	1,148
Deferred income tax expense	658	10,225
Securities losses, net	267	940
Gains from sales of SBA/USDA loans	(1,303)	(1,778)
Net (gains) losses and write downs on sales of other real estate owned	(45)	188
Changes in assets and liabilities:
Other assets and accrued interest receivable	(6,206)	(385)
Accrued expenses and other liabilities	(5,994)	1,371
Loans held for sale	(7,406)	8,833
Net cash provided by operating activities	35,891	72,487
Debt securities held to maturity:
Proceeds from maturities and calls of securities held to maturity	9,049	13,832
Purchases of securities held to maturity	0	(4,781)
Debt securities available for sale and equity securities:
Proceeds from sales of securities available for sale	178,604	113,961
Proceeds from maturities and calls of securities available for sale	60,779	85,331
Purchases of securities available for sale	(34,729)	(30,161)
Net increase in loans	(90,380)	(79,404)
Proceeds from sales of premises and equipment	105	195
Purchases of premises and equipment	(11,686)	(6,107)
Net cash paid for acquisition	0	(56,800)
Proceeds from sale of other real estate	974	957
Net cash provided by investing activities	112,716	37,023
Financing activities:
Net change in deposits	117	186,089
Net change in short-term borrowings	0	(264,923)
Repayment of long-term debt	(10,110)	(12,309)
Proceeds from FHLB advances	780,000	760,000
Repayment of FHLB advances	(900,000)	(830,000)
Proceeds from issuance of subordinated debt, net of issuance costs	0	98,188
Proceeds from issuance of common stock for dividend reinvestment and employee benefit plans	186	144
Proceeds from exercise of stock options	197	0
Cash paid for shares withheld to cover payroll taxes upon vesting of restricted stock	(549)	(836)
Repurchase of common stock	(7,342)	0
Cash dividends on common stock	(12,876)	(7,885)
Net cash used in financing activities	(150,377)	(71,532)
Net change in cash and cash equivalents, including restricted cash	(1,770)	37,978
Cash and cash equivalents, including restricted cash, at beginning of period	327,265	314,275
Cash and cash equivalents, including restricted cash, at end of period	325,495	352,253
Supplemental disclosures of cash flow information:
Interest paid	22,963	13,069
Income taxes paid	939	811
Significant non-cash investing and financing transactions:
Unsettled securities purchases	0	4,790
Unsettled government guaranteed loan sales	13,934	14,240
Transfers of loans to foreclosed properties	751	625
Unsettled repurchases of common stock	498	0
Acquisitions:
Assets acquired	0	480,679
Liabilities assumed	0	350,433
Net assets acquired	0	130,246
Common stock issued in acquisitions	$ 0	$ 45,746

Accounting Policies	3 Months Ended
Accounting Policies	Mar. 31, 2019
Accounting Policies [Abstract]
Accounting Policies	Accounting Policies The accounting and financial reporting policies of United Community Banks, Inc. and its subsidiaries (collectively referred to herein as “United”) conform to accounting principles generally accepted in the United States (“GAAP”) and reporting guidelines of banking regulatory authorities and regulators. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its Annual Report on Form 10-K for the year ended December 31, 2018. 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.

Accounting Standards Updates and Recently Adopted Standards	3 Months Ended
	Mar. 31, 2019
Accounting Changes and Error Corrections [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Accounting Standards Updates In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This guidance was further modified in November 2018 by ASU No. 2018-19, Codification Improvements to Topic 326, Financial Instruments - Credit Losses. The new guidance replaces the incurred loss impairment methodology in current GAAP with a current expected credit loss (“CECL”) 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 deteriorated 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 Accounting Standards Codification (“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 impact. During the first quarter 2019, management’s CECL steering committee continued the process of populating relevant data, building models and documenting processes and controls in preparation for adoption of Topic 326. During the remainder of 2019, management plans to run multiple parallel runs of the allowance model under the expected credit loss methodology, starting with a loan-focused parallel run using first quarter data. Management will incrementally widen the scope of model runs thereafter until a full CECL run is completed. During monthly steering committee meetings, management regularly reviews project status, gap remediation efforts and project priorities. Recently Adopted Standards In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). This guidance was further modified by ASU No. 2018-10, Codification Improvements to Topic 842 Leases, ASU No. 2018-11, Leases (Topic 842): Targeted Improvements, ASU No. 2018-20, Leases (Topic 842): Narrow-Scope Improvements for Lessors and ASU No. 2019-01, Leases (Topic 842): Codification Improvements. These standards require a lessee to recognize in the consolidated balance sheet 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. United adopted the standard on January 1, 2019 using the optional transition method, which allowed for a modified retrospective method of adoption with a cumulative effect adjustment to shareholders’ equity without restating comparable periods. United also elected the relief package of practical expedients for which there is no requirement to reassess existence of leases, their classification, and initial direct costs as well as an exemption for short-term leases with a term of less than one year, whereby United does not recognize a lease liability or right-of-use asset on the consolidated balance sheet but instead recognizes lease payments as an expense over the lease term as appropriate. The adoption of this guidance resulted in recognition of a right-of-use asset of $23.8 million, a lease liability of $26.8 million and a reduction of shareholders’ equity of $549,000, net of tax, related to its operating leases. In addition, United has equipment financing leases for which it is the lessor, which were previously accounted for as capital leases. Upon adoption of Topic 842, these leases were classified as direct financing leases, which required no significant change in accounting policy or treatment. These lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. As a lessor, United elected to exclude sales taxes from consideration in lease contracts. In the opinion of management, the changes described above resulting from the adoption of the standard did not have a material impact on the consolidated financial statements. See Notes 5 and 14 for additional information on direct financing leases and operating leases, respectively.

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings

3 Months Ended

Mar. 31, 2019

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, of which there were none as of March 31, 2019, 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
March 31, 2019	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Derivatives	$	25,924		$	—		$	25,924	$	(2,295	)	$	(1,797	)	$	21,832
Total	$	25,924		$	—		$	25,924	$	(2,295	)	$	(1,797	)	$	21,832

	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
Derivatives	$	18,789		$	—		$	18,789	$	(2,295	)	$	(11,870	)	$	4,624
Total	$	18,789		$	—		$	18,789	$	(2,295	)	$	(11,870	)	$	4,624

	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
December 31, 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	24,705			—			24,705		(973		)	(8,029		)	15,703
Total	$	74,705		$	(50,000	)	$	24,705	$	(973	)	$	(8,029	)	$	15,703

Weighted average interest rate of reverse repurchase agreements	3.20		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet					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	26,433			—			26,433		(973		)	(16,126		)	9,334
Total	$	76,433		$	(50,000	)	$	26,433	$	(973	)	$	(16,126	)	$	9,334

Weighted average interest rate of repurchase agreements	2.45		%

At March 31, 2019, United recognized the right to reclaim cash collateral of $11.9 million and the obligation to return cash collateral of $1.80 million. At December 31, 2018, United recognized the right to reclaim cash collateral of $16.1 million and the obligation to return cash collateral of $8.03 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 December 31, 2018 (in thousands).



	Remaining Contractual Maturity of the Agreements
	Overnight and 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									$	—

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

Securities

3 Months Ended

Mar. 31, 2019

Investments, Debt and Equity Securities [Abstract]

Securities

The amortized cost basis, unrealized gains and losses and fair value of debt 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 March 31, 2019

State and political subdivisions	$	65,519	$	1,443	$	456	$	66,506
Residential mortgage-backed securities	170,980		1,078		2,532		169,526
Commercial mortgage-backed securities	28,830		323		68		29,085
Total	$	265,329	$	2,844	$	3,056	$	265,117

As of December 31, 2018

State and political subdivisions	$	68,551	$	952	$	2,191	$	67,312
Residential mortgage-backed securities	176,488		652		5,094		172,046
Commercial mortgage-backed securities	29,368		173		96		29,445
Total	$	274,407	$	1,777	$	7,381	$	268,803

The cost basis, unrealized gains and losses, and fair value of debt 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 March 31, 2019

U.S. Treasuries	$	142,409	$	22	$	576	$	141,855
U.S. Government agencies	4,812		292		3		5,101
State and political subdivisions	217,120		5,124		64		222,180
Residential mortgage-backed securities	1,414,612		9,222		9,749		1,414,085
Commercial mortgage-backed securities	345,198		432		2,291		343,339
Corporate bonds	200,471		506		301		200,676
Asset-backed securities	128,359		183		1,153		127,389
Total	$	2,452,981	$	15,781	$	14,137	$	2,454,625

As of December 31, 2018

U.S. Treasuries	$	150,712	$	767	$	2,172	$	149,307
U.S. Government agencies	25,493		335		275		25,553
State and political subdivisions	234,750		907		1,716		233,941
Residential mortgage-backed securities	1,464,380		3,428		21,898		1,445,910
Commercial mortgage-backed securities	399,663		187		7,933		391,917
Corporate bonds	200,582		502		1,921		199,163
Asset-backed securities	184,683		328		2,335		182,676
Total	$	2,660,263	$	6,454	$	38,250	$	2,628,467

Securities with a carrying value of $842 million and $925 million were pledged to secure public deposits, derivatives and other secured borrowings at March 31, 2019 and December 31, 2018, respectively.

The following table summarizes debt securities held-to-maturity 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 March 31, 2019

State and political subdivisions	$	—	$	—	$	22,356	$	456	$	22,356	$	456
Residential mortgage-backed securities	—		—		112,921		2,532		112,921		2,532
Commercial mortgage-backed securities	—		—		4,095		68		4,095		68
Total unrealized loss position	$	—	$	—	$	139,372	$	3,056	$	139,372	$	3,056

As of December 31, 2018

State and political subdivisions	$	7,062	$	46	$	34,146	$	2,145	$	41,208	$	2,191
Residential mortgage-backed securities	6,579		61		136,376		5,033		142,955		5,094
Commercial mortgage-backed securities	—		—		4,290		96		4,290		96
Total unrealized loss position	$	13,641	$	107	$	174,812	$	7,274	$	188,453	$	7,381

The following table summarizes debt securities available-for-sale 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 March 31, 2019

U.S. Treasuries	$	—	$	—	$	122,122	$	576	$	122,122	$	576
U.S. Government agencies	—		—		471		3		471		3
State and political subdivisions	415		1		18,186		63		18,601		64
Residential mortgage-backed securities	47,263		644		665,525		9,105		712,788		9,749
Commercial mortgage-backed securities	—		—		237,883		2,291		237,883		2,291
Corporate bonds	—		—		108,272		301		108,272		301
Asset-backed securities	71,224		720		17,825		433		89,049		1,153
Total unrealized loss position	$	118,902	$	1,365	$	1,170,284	$	12,772	$	1,289,186	$	14,137

As of December 31, 2018

U.S. Treasuries	$	—	$	—	$	120,391	$	2,172	$	120,391	$	2,172
U.S. Government agencies	—		—		21,519		275		21,519		275
State and political subdivisions	15,160		28		133,500		1,688		148,660		1,716
Residential mortgage-backed securities	234,583		808		775,360		21,090		1,009,943		21,898
Commercial mortgage-backed securities	4,552		594		355,292		7,339		359,844		7,933
Corporate bonds	—		—		117,296		1,921		117,296		1,921
Asset-backed securities	74,492		1,879		31,968		456		106,460		2,335
Total unrealized loss position	$	328,787	$	3,309	$	1,555,326	$	34,941	$	1,884,113	$	38,250

At March 31, 2019, there were 174 debt securities available-for-sale and 56 debt securities held-to-maturity that were in an unrealized loss position. United does not intend to sell nor believes it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at March 31, 2019 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 months ended March 31, 2019 or 2018.

Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes available-for-sale securities sales activity for the three months ended March 31, 2019 and 2018 (in thousands).



	Three Months Ended March 31,
	2019			2018

Proceeds from sales	$	178,604		$	113,961

Gross gains on sales	$	1,287		$	417
Gross losses on sales	(1,554		)	(1,357		)
Net losses on sales of securities	$	(267	)	$	(940	)

Income tax benefit attributable to sales	$	(68	)	$	(221	)

The amortized cost and fair value of debt securities available-for-sale and held-to-maturity at March 31, 2019, 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
U.S. Treasuries:
1 to 5 years	$	142,409	$	141,855	$	—	$	—
	142,409		141,855		—		—

U.S. Government agencies:
1 to 5 years	474		471		—		—
More than 10 years	4,338		4,630		—		—
	4,812		5,101		—		—

State and political subdivisions:
Within 1 year	500		502		3,250		3,262
1 to 5 years	36,058		36,060		11,567		12,024
5 to 10 years	35,888		36,743		7,753		8,423
More than 10 years	144,674		148,875		42,949		42,797
	217,120		222,180		65,519		66,506

Corporate bonds:
Within 1 year	10,239		10,219		—		—
1 to 5 years	187,732		187,948		—		—
5 to 10 years	1,500		1,514		—		—
More than 10 years	1,000		995		—		—
	200,471		200,676		—		—

Asset-backed securities:
1 to 5 years	2,121		2,107		—		—
More than 10 years	126,238		125,282		—		—
	128,359		127,389		—		—

Total securities other than mortgage-backed securities:
Within 1 year	10,739		10,721		3,250		3,262
1 to 5 years	368,794		368,441		11,567		12,024
5 to 10 years	37,388		38,257		7,753		8,423
More than 10 years	276,250		279,782		42,949		42,797
Residential mortgage-backed securities	1,414,612		1,414,085		170,980		169,526
Commercial mortgage-backed securities	345,198		343,339		28,830		29,085
	$	2,452,981	$	2,454,625	$	265,329	$	265,117

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

3 Months Ended

Mar. 31, 2019

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).



	March 31, 2019			December 31, 2018
Owner occupied commercial real estate	$	1,620,068		$	1,647,904
Income producing commercial real estate	1,867,425			1,812,420
Commercial & industrial	1,283,865			1,278,347
Commercial construction	865,666			796,158
Equipment financing	605,984			564,614
Total commercial	6,243,008			6,099,443
Residential mortgage	1,063,840			1,049,232
Home equity lines of credit	683,771			694,010
Residential construction	200,708			211,011
Consumer direct	121,174			122,013
Indirect auto	180,753			207,692

Total loans	8,493,254			8,383,401

Less allowance for loan losses	(61,642		)	(61,203		)

Loans, net	$	8,431,612		$	8,322,198

At March 31, 2019 and December 31, 2018, loans totaling $4.03 billion and $3.98 billion, respectively, were pledged as collateral to secure Federal Home Loan Bank advances, securitized notes payable and other contingent funding sources.

At March 31, 2019, 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 $68.7 million and $100 million, respectively. At December 31, 2018, the carrying value and outstanding balance of PCI loans were $74.4 million and $109 million, respectively. The following table presents changes in the balance of the accretable yield for PCI loans for the periods indicated (in thousands):



	Three Months Ended March 31,
	2019			2018
Balance at beginning of period	$	26,868		$	17,686
Additions due to acquisitions	—			1,830
Accretion	(4,813		)	(2,546		)
Reclassification from nonaccretable difference	2,706			591
Changes in expected cash flows that do not affect nonaccretable difference	1,863			475
Balance at end of period	$	26,624		$	18,036

In addition to the accretable yield on PCI loans, the fair value adjustments on purchased loans outside the scope of ASC 310-30 are also accreted to interest revenue over the life of the loans. At March 31, 2019 and December 31, 2018, the remaining accretable net fair value discount on loans acquired through a business combination and not accounted for under ASC 310-30 was $4.44 million and $4.31 million, respectively. At March 31, 2019, the net fair value discount of $4.44 million included a net premium on acquired equipment financing loans. In addition, indirect auto loans purchased at a premium outside of a business combination had a remaining premium of $3.03 million and $3.72 million, respectively, as of March 31, 2019 and December 31, 2018.

At March 31, 2019 and December 31, 2018, equipment financing assets included direct financing leases of $33.5 million and $30.4 million, respectively. The components of the net investment in leases are presented below (in thousands).



	March 31, 2019			December 31, 2018
Minimum future lease payments receivable	$	35,385		$	31,915
Estimated residual value of leased equipment	3,791			3,593
Initial direct costs	856			827
Security deposits	(1,173		)	(1,189		)
Purchase accounting premium	644			806
Unearned income	(6,011		)	(5,568		)
Net investment in leases	$	33,492		$	30,384

Minimum future lease payments expected to be received from lease contracts as of March 31, 2019 are as follows (in thousands):



Year
Remainder of 2019	$	10,384
2020	10,960
2021	7,156
2022	4,249
2023	2,046
Thereafter	590
Total	$	35,385

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).



	2019												2018
Three Months Ended March 31,
	Beginning Balance		Charge-Offs			Recoveries		(Release)Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	12,207	$	(5	)	$	69	$	(397	)	$	11,874	$	14,776	$	(60	)	$	103	$	(258	)	$	14,561
Income producing commercial real estate	11,073		(197		)	20		230			11,126		9,381		(657		)	235		817			9,776
Commercial & industrial	4,802		(1,519		)	163		1,449			4,895		3,971		(384		)	389		99			4,075
Commercial construction	10,337		(69		)	394		(387		)	10,275		10,523		(363		)	97		(223		)	10,034
Equipment financing	5,452		(1,424		)	143		2,060			6,231		—		(139		)	97		2,333			2,291
Residential mortgage	8,295		(61		)	48		63			8,345		10,097		(70		)	123		71			10,221
Home equity lines of credit	4,752		(337		)	122		260			4,797		5,177		(124		)	35		(156		)	4,932
Residential construction	2,433		(4		)	26		(65		)	2,390		2,729		—			64		251			3,044
Consumer direct	853		(547		)	207		324			837		710		(651		)	160		514			733
Indirect auto	999		(197		)	38		32			872		1,550		(436		)	80		224			1,418
Total allowance for loan losses	61,203		(4,360		)	1,230		3,569			61,642		58,914		(2,884		)	1,383		3,672			61,085
Allowance for unfunded commitments	3,410		—			—		(269		)	3,141		2,312		—			—		128			2,440
Total allowance for credit losses	$	64,613	$	(4,360	)	$	1,230	$	3,300		$	64,783	$	61,226	$	(2,884	)	$	1,383	$	3,800		$	63,525

The following tables represent 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
	March 31, 2019								December 31, 2018
	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	$	825	$	10,894	$	155	$	11,874	$	862	$	11,328	$	17	$	12,207
Income producing commercial real estate	280		10,846		—		11,126		402		10,671		—		11,073
Commercial & industrial	36		4,855		4		4,895		32		4,761		9		4,802
Commercial construction	68		10,001		206		10,275		71		9,974		292		10,337
Equipment financing	—		5,988		243		6,231		—		5,045		407		5,452
Residential mortgage	916		7,403		26		8,345		861		7,410		24		8,295
Home equity lines of credit	1		4,796		—		4,797		1		4,740		11		4,752
Residential construction	63		2,327		—		2,390		51		2,382		—		2,433
Consumer direct	5		832		—		837		6		847		—		853
Indirect auto	25		847		—		872		26		973		—		999
Total allowance for loan losses	2,219		58,789		634		61,642		2,312		58,131		760		61,203
Allowance for unfunded commitments	—		3,141		—		3,141		—		3,410		—		3,410
Total allowance for credit losses	$	2,219	$	61,930	$	634	$	64,783	$	2,312	$	61,541	$	760	$	64,613



	Loans Outstanding
	March 31, 2019								December 31, 2018
	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	$	17,238	$	1,594,226	$	8,604	$	1,620,068	$	17,602	$	1,620,450	$	9,852	$	1,647,904
Income producing commercial real estate	14,125		1,817,203		36,097		1,867,425		16,584		1,757,525		38,311		1,812,420
Commercial & industrial	1,701		1,281,823		341		1,283,865		1,621		1,276,318		408		1,278,347
Commercial construction	2,379		857,683		5,604		865,666		2,491		787,760		5,907		796,158
Equipment financing	—		599,243		6,741		605,984		—		556,672		7,942		564,614
Residential mortgage	15,453		1,039,582		8,805		1,063,840		14,220		1,025,862		9,150		1,049,232
Home equity lines of credit	255		682,047		1,469		683,771		276		692,122		1,612		694,010
Residential construction	1,340		198,787		581		200,708		1,207		209,070		734		211,011
Consumer direct	199		120,499		476		121,174		211		121,269		533		122,013
Indirect auto	1,104		179,649		—		180,753		1,237		206,455		—		207,692
Total loans	$	53,794	$	8,370,742	$	68,718	$	8,493,254	$	55,449	$	8,253,503	$	74,449	$	8,383,401

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, employment rates, debt per capita, home price indices, and trends in real estate value indices.

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 of collateral 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 respective 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).



	March 31, 2019						December 31, 2018
	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	$	8,159	$	6,089	$	—	$	8,650	$	6,546	$	—
Income producing commercial real estate	8,333		8,227		—		9,986		9,881		—
Commercial & industrial	522		360		—		525		370		—
Commercial construction	119		113		—		685		507		—
Equipment financing	—		—		—		—		—		—
Total commercial	17,133		14,789		—		19,846		17,304		—
Residential mortgage	6,513		5,890		—		5,787		5,202		—
Home equity lines of credit	275		215		—		330		234		—
Residential construction	753		624		—		554		428		—
Consumer direct	15		15		—		18		17		—
Indirect auto	142		130		—		294		292		—
Total with no related allowance recorded	24,831		21,663		—		26,829		23,477		—

With an allowance recorded:
Owner occupied commercial real estate	11,191		11,149		825		11,095		11,056		862
Income producing commercial real estate	6,166		5,898		280		6,968		6,703		402
Commercial & industrial	1,746		1,341		36		1,652		1,251		32
Commercial construction	2,503		2,266		68		2,130		1,984		71
Equipment financing	—		—		—		—		—		—
Total commercial	21,606		20,654		1,209		21,845		20,994		1,367
Residential mortgage	9,713		9,563		916		9,169		9,018		861
Home equity lines of credit	43		40		1		45		42		1
Residential construction	727		716		63		791		779		51
Consumer direct	189		184		5		199		194		6
Indirect auto	975		974		25		946		945		26
Total with an allowance recorded	33,253		32,131		2,219		32,995		31,972		2,312
Total	$	58,084	$	53,794	$	2,219	$	59,824	$	55,449	$	2,312

As of March 31, 2019 and December 31, 2018, $2.22 million and $2.31 million, respectively, of specific reserves were allocated to customers whose loan terms have been modified in TDRs. As of March 31, 2019 and December 31, 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 months ended March 31, 2019 and 2018 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 March 31, 2019
Owner occupied commercial real estate	—	$	—	$	—	$	—	$	—	$	—	—	$	—
Income producing commercial real estate	1	169		—		169		—		169		—	—
Commercial & industrial	1	7		—		—		7		7		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	2	176		—		169		7		176		—	—
Residential mortgage	2	345		—		344		—		344		—	—
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	6	66		—		—		57		57		—	—
Total loans	10	$	587	$	—	$	513	$	64	$	577	—	$	—

Three Months Ended March 31, 2018
Owner occupied commercial real estate	3	$	994	$	—	$	978	$	—	$	978	2	$	1,586
Income producing commercial real estate	—	—		—		—		—		—		—	—
Commercial & industrial	1	81		—		5		—		5		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	4	1,075		—		983		—		983		2	1,586
Residential mortgage	2	340		—		340		—		340		—	—
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	6	$	1,415	$	—	$	1,323	$	—	$	1,323	2	$	1,586

Collateral dependent TDRs that subsequently default or are placed on nonaccrual are charged down to the fair value of the collateral consistent with United’s policy for nonaccrual loans. Impairment on TDRs that are not collateral dependent continues to be measured based on discounted cash flows regardless of whether the loan has subsequently defaulted.

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).



	2019						2018
Three Months Ended March 31,	Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received		Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received
Owner occupied commercial real estate	$	17,410	$	285	$	284	$	24,658	$	245	$	280
Income producing commercial real estate	14,237		193		207		16,433		210		235
Commercial & industrial	1,716		19		19		2,596		40		42
Commercial construction	2,402		34		33		3,936		51		52
Equipment financing	—		—		—		—		—		—
Total commercial	35,765		531		543		47,623		546		609
Residential mortgage	15,502		168		174		14,993		149		150
Home equity lines of credit	258		4		3		344		4		4
Residential construction	1,408		24		23		1,590		24		24
Consumer direct	205		4		4		291		5		5
Indirect auto	1,190		14		14		1,378		18		18
Total	$	54,328	$	745	$	761	$	66,219	$	746	$	810

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 generally 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 or pool of loans. No PCI loans were classified as nonaccrual at March 31, 2019 or December 31, 2018 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 $378,000 and $342,000 for the three months ended March 31, 2019 and 2018, respectively.

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



	March 31, 2019		December 31, 2018
Owner occupied commercial real estate	$	7,030	$	6,421
Income producing commercial real estate	1,276		1,160
Commercial & industrial	1,666		1,417
Commercial construction	473		605
Equipment financing	1,813		2,677
Total commercial	12,258		12,280
Residential mortgage	8,281		8,035
Home equity lines of credit	2,233		2,360
Residential construction	347		288
Consumer direct	47		89
Indirect auto	458		726
Total	$	23,624	$	23,778

Excluding PCI loans, substantially all loans more than 90 days past due were on nonaccrual status at March 31, 2019 and December 31, 2018. 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 March 31, 2019	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	4,644	$	1,142	$	3,328	$	9,114	$	1,602,350	$	8,604	$	1,620,068
Income producing commercial real estate	1,199		125		706		2,030		1,829,298		36,097		1,867,425
Commercial & industrial	2,649		790		937		4,376		1,279,148		341		1,283,865
Commercial construction	139		443		24		606		859,456		5,604		865,666
Equipment financing	1,809		894		1,722		4,425		594,818		6,741		605,984
Total commercial	10,440		3,394		6,717		20,551		6,165,070		57,387		6,243,008
Residential mortgage	4,862		1,511		1,292		7,665		1,047,370		8,805		1,063,840
Home equity lines of credit	2,355		634		528		3,517		678,785		1,469		683,771
Residential construction	574		132		154		860		199,267		581		200,708
Consumer direct	522		89		2		613		120,085		476		121,174
Indirect auto	711		185		416		1,312		179,441		—		180,753
Total loans	$	19,464	$	5,945	$	9,109	$	34,518	$	8,390,018	$	68,718	$	8,493,254



	Loans Past Due
As of December 31, 2018	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	2,542	$	2,897	$	1,011	$	6,450	$	1,631,602	$	9,852	$	1,647,904
Income producing commercial real estate	1,624		291		301		2,216		1,771,893		38,311		1,812,420
Commercial & industrial	7,189		718		400		8,307		1,269,632		408		1,278,347
Commercial construction	267		—		68		335		789,916		5,907		796,158
Equipment financing	1,351		739		2,658		4,748		551,924		7,942		564,614
Total commercial	12,973		4,645		4,438		22,056		6,014,967		62,420		6,099,443
Residential mortgage	5,461		1,788		1,950		9,199		1,030,883		9,150		1,049,232
Home equity lines of credit	2,112		864		902		3,878		688,520		1,612		694,010
Residential construction	509		63		190		762		209,515		734		211,011
Consumer direct	600		82		21		703		120,777		533		122,013
Indirect auto	750		323		633		1,706		205,986		—		207,692
Total loans	$	22,405	$	7,765	$	8,134	$	38,304	$	8,270,648	$	74,449	$	8,383,401

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 March 31, 2019
Owner occupied commercial real estate	$	1,557,510	$	17,511	$	36,443	$	—	$	1,611,464
Income producing commercial real estate	1,789,063		22,548		19,717		—		1,831,328
Commercial & industrial	1,253,268		7,517		22,739		—		1,283,524
Commercial construction	846,902		6,767		6,393		—		860,062
Equipment financing	597,430		—		1,813		—		599,243
Total commercial	6,044,173		54,343		87,105		—		6,185,621
Residential mortgage	1,043,447		—		11,588		—		1,055,035
Home equity lines of credit	678,578		—		3,724		—		682,302
Residential construction	199,570		—		557		—		200,127
Consumer direct	120,465		—		233		—		120,698
Indirect auto	178,740		—		2,013		—		180,753
Total loans, excluding PCI loans	8,264,973		54,343		105,220		—		8,424,536

Owner occupied commercial real estate	2,803		2,781		3,020		—		8,604
Income producing commercial real estate	23,872		11,389		836		—		36,097
Commercial & industrial	246		43		52		—		341
Commercial construction	3,340		165		2,099		—		5,604
Equipment financing	6,626		—		115		—		6,741
Total commercial	36,887		14,378		6,122		—		57,387
Residential mortgage	6,512		—		2,293		—		8,805
Home equity lines of credit	1,350		—		119		—		1,469
Residential construction	542		—		39		—		581
Consumer direct	440		—		36		—		476
Indirect auto	—		—		—		—		—
Total PCI loans	45,731		14,378		8,609		—		68,718

Total loan portfolio	$	8,310,704	$	68,721	$	113,829	$	—	$	8,493,254

As of December 31, 2018
Owner occupied commercial real estate	$	1,585,797	$	16,651	$	35,604	$	—	$	1,638,052
Income producing commercial real estate	1,735,456		20,923		17,730		—		1,774,109
Commercial & industrial	1,247,206		8,430		22,303		—		1,277,939
Commercial construction	777,780		4,533		7,938		—		790,251
Equipment financing	553,995		—		2,677		—		556,672
Total commercial	5,900,234		50,537		86,252		—		6,037,023
Residential mortgage	1,028,660		—		11,422		—		1,040,082
Home equity lines of credit	688,493		—		3,905		—		692,398
Residential construction	209,744		—		533		—		210,277
Consumer direct	121,247		19		214		—		121,480
Indirect auto	205,632		—		2,060		—		207,692
Total loans, excluding PCI loans	8,154,010		50,556		104,386		—		8,308,952

Owner occupied commercial real estate	3,352		2,774		3,726		—		9,852
Income producing commercial real estate	23,430		13,403		1,478		—		38,311
Commercial & industrial	266		48		94		—		408
Commercial construction	3,503		188		2,216		—		5,907
Equipment financing	7,725		—		217		—		7,942
Total commercial	38,276		16,413		7,731		—		62,420
Residential mortgage	6,914		—		2,236		—		9,150
Home equity lines of credit	1,492		—		120		—		1,612
Residential construction	687		—		47		—		734
Consumer direct	493		—		40		—		533
Indirect auto	—		—		—		—		—
Total PCI loans	47,862		16,413		10,174		—		74,449

Total loan portfolio	$	8,201,872	$	66,969	$	114,560	$	—	$	8,383,401

- Definition

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

+ References + Details

Reclassifications Out of Accumulated Other Comprehensive Income

3 Months Ended

Mar. 31, 2019

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).



Details about Accumulated Other Comprehensive Income Components	Three Months Ended March 31,						Affected Line Item in the Statement Where Net Income is Presented
	2019			2018
Realized losses on available-for-sale securities:
	$	(267	)	$	(940	)	Securities losses, net
	68			221			Income tax benefit
	$	(199	)	$	(719	)	Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity:
	$	(84	)	$	(222	)	Investment securities interest revenue
	20			54			Income tax benefit
	$	(64	)	$	(168	)	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	$	(102	)	$	(147	)	Money market deposit interest expense
	26			38			Income tax benefit
	$	(76	)	$	(109	)	Net of tax

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan:
Prior service cost	$	(159	)	$	(167	)	Salaries and employee benefits expense
Actuarial losses	(15		)	—			Other expense
Actuarial losses	—			(60		)	Salaries and employee benefits expense
	(174		)	(227		)	Total before tax
	44			58			Income tax benefit
	$	(130	)	$	(169	)	Net of tax

Total reclassifications for the period	$	(469	)	$	(1,165	)	Net of tax

Amounts shown above in parentheses reduce earnings.

Earnings Per Share

3 Months Ended

Mar. 31, 2019

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 March 31,
	2019			2018
Net income	$	44,262		$	37,658
Dividends and undistributed earnings allocated to unvested shares	(315		)	(277		)
Net income available to common shareholders	$	43,947		$	37,381

Weighted average shares outstanding:
Basic	79,807			79,205
Effect of dilutive securities
Stock options	3			10
Restricted stock units	3			—
Diluted	79,813			79,215

Net income per common share:
Basic	$	0.55		$	0.47
Diluted	$	0.55		$	0.47

At March 31, 2019, United excluded 31,812 potentially dilutive shares of common stock issuable upon exercise of stock options with a weighted average exercise price of $31.47 from the computation of diluted earnings per share because of their antidilutive effect.

At March 31, 2018, 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; 32,464 shares of common stock issuable upon exercise of stock options granted to employees with a weighted average exercise price of $31.50.

Derivatives and Hedging Activities

3 Months Ended

Mar. 31, 2019

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 through a combination of pricing and term structure of deposit product offerings, the amount 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 interest rate risk exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Derivative financial instruments are used to manage differences in the amount, timing, and duration of known or expected cash receipts and known or expected cash payments principally related to loans, investment securities, wholesale borrowings and deposits.

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

United clears certain derivatives centrally through the Chicago Mercantile Exchange (“CME”). CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero. 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 sheets (in thousands):

Derivatives designated as hedging instruments under ASC 815



Interest Rate Products	Balance Sheet Location	March 31, 2019		December 31, 2018
Fair value hedge of brokered CDs	Derivative liabilities	$	1,251	$	1,682
		$	1,251	$	1,682

Derivatives not designated as hedging instruments under ASC 815



Interest Rate Products	Balance Sheet Location	March 31, 2019		December 31, 2018
Customer derivative positions	Derivative assets	$	12,658	$	5,216
Dealer offsets to customer derivative positions	Derivative assets	3,691		7,620
Mortgage banking - loan commitment	Derivative assets	1,796		1,190
Mortgage banking - forward sales commitment	Derivative assets	14		28
Bifurcated embedded derivatives	Derivative assets	7,765		10,651
		$	25,924	$	24,705

Customer derivative positions	Derivative liabilities	$	4,118	$	9,661
Dealer offsets to customer derivative positions	Derivative liabilities	2,744		781
Risk participations	Derivative liabilities	6		8
Mortgage banking - forward sales commitment	Derivative liabilities	483		259
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities	10,187		13,339
De-designated hedges	Derivative liabilities	—		703
		$	17,538	$	24,751

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. 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 statements of income.

Cash Flow Hedges of Interest Rate Risk

At March 31, 2019 and December 31, 2018 United did not have any active cash flow hedges. Changes in balance sheet composition and interest rate risk position made cash flow hedges not currently 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. Amortization of the loss on the de-designated hedges was the only effect of cash flow hedges on the consolidated statements of income for the three months ended March 31, 2019 and 2018. See Note 6 for further detail. United expects that $118,000 will be reclassified as an increase to interest expense over the next twelve months related to these cash flow hedges.

Fair Value Hedges of Interest Rate Risk

United is exposed to changes in the fair value of certain of its fixed-rate obligations due to changes in interest rates. United uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in interest rates. Interest rate swaps designated as fair value hedges of brokered deposits involve the receipt of fixed-rate amounts from a counterparty in exchange for United making variable rate payments over the life of the agreements without the exchange of the underlying notional amount. Interest rate swaps designated as fair value hedges of fixed-rate investments involve the receipt of variable-rate payments from a counterparty in exchange for United making fixed-rate payments over the life of the instrument without the exchange of the underlying notional amount. At March 31, 2019, United had four interest rate swaps with a notional amount of $38.0 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. As of March 31, 2019, the hedged brokered time deposits, which were included in brokered deposits on the consolidated balance sheet, had a carrying value of $36.0 million, which included cumulative fair value hedging adjustments of $1.38 million. At December 31, 2018, United had four interest rate swaps with an aggregate notional amount of $39.0 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.

For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives. During the three months ended March 31, 2019, and March 31, 2018, United recognized net losses of $11,000 and $79,000, respectively, related to ineffectiveness in the fair value hedging relationships. United also recognized a net increase in interest expense of $101,000 for the three months ended March 31, 2019 and a net increase in interest expense of $14,000 for the three months ended March 31, 2018 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 during the three months ended March 31, 2018 of $17,000 related to fair value hedges of corporate bonds which were terminated during the first quarter of 2018.

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	2019		2018			2019			2018
Three Months Ended March 31,
Fair value hedges of brokered CDs	Interest expense	$	451	$	(693	)	$	(462	)	$	545
Fair value hedges of corporate bonds	Interest revenue	—		(336		)	—			405
		$	451	$	(1,029	)	$	(462	)	$	950

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	2019			2018
Three Months Ended March 31,
Customer derivatives and dealer offsets	Other noninterest income	$	503		$	772
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	218			370
Interest rate caps	Other noninterest income	—			276
De-designated hedges	Other noninterest income	(193		)	(67		)
Mortgage banking derivatives	Mortgage loan revenue	(190		)	1,264
Risk participations	Other noninterest income	2			(2		)
		$	340		$	2,613

Credit-Risk-Related Contingent Features

United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty. As of March 31, 2019, collateral totaling $11.9 million was pledged toward derivatives in a liability position.

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

Stock-Based Compensation

3 Months Ended

Mar. 31, 2019

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 have had 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, although certain acquisition-related performance grants may have up to ten years) with an exercisable period not to exceed ten years. Certain options, restricted stock and restricted stock unit awards provide for accelerated vesting if there is a change in control (as defined in the plan). Through March 31, 2019, incentive stock options, nonqualified stock options, restricted stock and restricted stock unit awards, base salary stock grants and performance share awards have been granted under the plan. As of March 31, 2019, 1.53 million additional awards remained available for grant under the plan.

The following table shows stock option activity for the first three months of 2019.



Options	Shares		Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2018	47,139		$	27.07
Exercised	(12,000	)	16.44
Cancelled/forfeited	(504	)	31.50
Expired	(1,023	)	29.45
Outstanding at March 31, 2019	33,612		30.72		0.4	$	13

Exercisable at March 31, 2019	33,612		30.72		0.4	13

The fair value of each option is estimated on the date of grant using the Black-Scholes model. No stock options were granted during the three months ended March 31, 2019 and 2018.

United recognized $6,000 in compensation expense related to stock options during the three months ended March 31, 2018, and no compensation expense related to stock options in the same period of 2019. 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 three months of 2019.



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, 2018	759,746		$	27.66
Granted	37,994		25.67
Vested	(46,628	)	25.72			$	1,322
Cancelled	(14,284	)	25.30
Outstanding at March 31, 2019	736,828		27.72		4.2	18,369

Compensation expense for restricted stock units without market conditions 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 service period. For the three months ended March 31, 2019 and 2018, compensation expense of $1.91 million and $1.07 million, respectively, was recognized related to restricted stock unit awards granted to United employees. In addition, for the three months ended March 31, 2019 and 2018, $72,000 and $68,000, 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 $507,000 and $296,000 was included in the determination of income tax expense for the three months ended March 31, 2019 and 2018, respectively. As of March 31, 2019, there was $15.7 million of unrecognized expense related to non-vested restricted stock unit awards granted under the plan. That cost is expected to be recognized over a weighted-average period of 2.4 years. As of March 31, 2019, there was no unrecognized expense related to non-vested stock options granted under the plan.

Common Stock	3 Months Ended
Common Stock	Mar. 31, 2019
Equity [Abstract]
Common Stock	Common Stock In November of 2018, United’s Board of Directors approved an increase and extension of the existing common stock repurchase plan through December 31, 2019. Under the program, up to $50 million 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 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 three months ended March 31, 2019, 305,052 shares were repurchased under the program. During the three months ended March 31, 2018, no shares were repurchased under the program. As of March 31, 2019, United had remaining authorization to repurchase up to $42.2 million of outstanding common stock under the program.

Income Taxes	3 Months Ended
Income Taxes	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The income tax provision for the three months ended March 31, 2019 and March 31, 2018 was $13.0 million and $10.7 million, respectively, which represents an effective tax rate of 22.6% and 22.2%, respectively. At March 31, 2019 and December 31, 2018, United maintained a valuation allowance on its net deferred tax asset of $3.37 million. 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 March 31, 2019 that it was more likely than not that the net deferred tax asset of $51.1 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 the 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 2015. Although it is not possible to know the ultimate outcome of future examinations, management believes that the liability recorded for uncertain tax positions is appropriate. At March 31, 2019 and December 31, 2018, unrecognized income tax benefits totaled $3.39 million and $3.26 million, respectively.

Assets and Liabilities Measured at Fair Value

3 Months Ended

Mar. 31, 2019

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.

Investment Securities

Debt securities available-for-sale and equity securities with readily determinable fair values 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, U.S. 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 those traded in less liquid markets and are valued based on estimates obtained from broker-dealers that 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. 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.

Pension Plan Assets

For information on the fair value of pension plan assets, see Note 17 in the Annual Report on Form 10-K for the year ended December 31, 2018.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

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



March 31, 2019	Level 1		Level 2		Level 3		Total
Assets:
Debt securities available for sale:
U.S. Treasuries	$	141,855	$	—	$	—	$	141,855
U.S. Government agencies	—		5,101		—		5,101
State and political subdivisions	—		222,180		—		222,180
Residential mortgage-backed securities	—		1,414,085		—		1,414,085
Commercial mortgage-backed securities	—		343,339		—		343,339
Corporate bonds	—		199,681		995		200,676
Asset-backed securities	—		127,389		—		127,389
Equity securities with readily available fair values	910		—		—		910
Mortgage loans held for sale	—		26,341		—		26,341
Deferred compensation plan assets	7,129		—		—		7,129
Servicing rights for SBA/USDA loans	—		—		7,401		7,401
Residential mortgage servicing rights	—		—		11,447		11,447
Derivative financial instruments	—		16,363		9,561		25,924
Total assets	$	149,894	$	2,354,479	$	29,404	$	2,533,777

Liabilities:
Deferred compensation plan liability	$	7,129	$	—	$	—	$	7,129
Derivative financial instruments	—		7,345		11,444		18,789
Total liabilities	$	7,129	$	7,345	$	11,444	$	25,918



December 31, 2018	Level 1		Level 2		Level 3		Total
Assets:
Debt securities available for sale
U.S. Treasuries	$	149,307	$	—	$	—	$	149,307
U.S. Agencies	—		25,553		—		25,553
State and political subdivisions	—		233,941		—		233,941
Residential mortgage-backed securities	—		1,445,910		—		1,445,910
Commercial mortgage-backed securities	—		391,917		—		391,917
Corporate bonds	—		198,168		995		199,163
Asset-backed securities	—		182,676		—		182,676
Equity securities with readily available fair values	1,076		—		—		1,076
Mortgage loans held for sale	—		18,935		—		18,935
Deferred compensation plan assets	6,404		—		—		6,404
Servicing rights for SBA/USDA loans	—		—		7,510		7,510
Residential mortgage servicing rights	—		—		11,877		11,877
Derivative financial instruments	—		12,864		11,841		24,705
Total assets	$	156,787	$	2,509,964	$	32,223	$	2,698,974

Liabilities:
Deferred compensation plan liability	$	6,404	$	—	$	—	$	6,404
Derivative financial instruments	—		10,701		15,732		26,433
Total liabilities	$	6,404	$	10,701	$	15,732	$	32,837

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



	Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Debt Securities Available-for-Sale
Three Months Ended March 31, 2019
Balance at beginning of period	$	11,841		$	15,732		$	7,510		$	11,877		$	995
Additions	—			—			375			863			—
Sales and settlements	(1,135		)	(2,330		)	(363		)	(150		)	—
Amounts included in earnings - fair value adjustments	(1,145		)	(1,958		)	(121		)	(1,143		)	—
Balance at end of period	$	9,561		$	11,444		$	7,401		$	11,447		$	995

Three Months Ended March 31, 2018
Balance at beginning of period	$	12,207		$	16,744		$	7,740		$	8,262		$	900
Business combinations	—			—			(354		)	—			—
Additions	—			—			479			926			—
Sales and settlements	(1,029		)	(1,347		)	(91		)	(80		)	—
Amounts included in earnings - fair value adjustments	2,699			2,391			(304		)	610			—
Balance at end of period	$	13,877		$	17,788		$	7,470		$	9,718		$	900

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	March 31, 2019		December 31, 2018		Valuation Technique		March 31, 2019		December 31, 2018
Level 3 Assets and Liabilities	March 31, 2019		December 31, 2018		Valuation Technique	Unobservable Inputs	March 31, 2019		December 31, 2018
Servicing rights for SBA/USDA loans	$	7,401	$	7,510	Discounted cash flow	Discount rate	13.6	%	14.5	%
						Prepayment rate	12.5	%	12.1	%
Residential mortgage servicing rights	11,447		11,877		Discounted cash flow	Discount rate	10.0	%	10.0	%
						Prepayment rate	12.8	%	10.6	%
Corporate bonds	995		995		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	1,796		1,190		Internal model	Pull through rate	78.9	%	80.7	%
Derivative assets - other	7,765		10,651		Dealer priced	Dealer priced	N/A		N/A
Derivative liabilities - risk participations	6		8		Internal model	Probable exposure rate	0.37	%	0.44	%
						Probability of default rate	1.80	%	1.80	%
Derivative liabilities - other	11,438		15,724		Dealer priced	Dealer priced	N/A		N/A

Fair Value Option

At March 31, 2019, 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 $25.3 million, respectively. At December 31, 2018, mortgage loans held for sale for which the fair value option was elected had an aggregate fair value and outstanding principal balance of $18.9 million and $18.2 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 months ended March 31, 2019, changes in fair value of these loans resulted in net gains of $306,000. During the three months ended March 31, 2018, changes in fair value of these loans resulted in net losses of $72,000. Gains and losses resulting from the change in fair value of these loans are 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 March 31, 2019 and December 31, 2018, 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
March 31, 2019
Loans	$	—	$	—	$	1,286	$	1,286

December 31, 2018
Loans	$	—	$	—	$	8,631	$	8,631

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).



			Fair Value Level
	Carrying Amount		Level 1		Level 2		Level 3		Total
March 31, 2019
Assets:
Securities held to maturity	$	265,329	$	—	$	265,117	$	—	$	265,117
Loans and leases, net	8,431,612		—		—		8,401,018		8,401,018

Liabilities:
Deposits	10,534,306		—		10,527,436		—		10,527,436
Federal Home Loan Bank advances	40,000		—		39,998		—		39,998
Long-term debt	257,259		—		—		266,468		266,468

December 31, 2018
Assets:
Securities held to maturity	$	274,407	$	—	$	268,803	$	—	$	268,803
Loans and leases, net	8,322,198		—		—		8,277,387		8,277,387

Liabilities:
Deposits	10,534,513		—		10,528,834		—		10,528,834
Federal Home Loan Bank advances	160,000		—		159,988		—		159,988
Long-term debt	267,189		—		—		278,996		278,996

- Definition

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

+ References + Details

Commitments and Contingencies

3 Months Ended

Mar. 31, 2019

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).



	March 31, 2019		December 31, 2018
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	2,053,155	$	2,129,463
Letters of credit	26,867		25,447

United’s wholly-owned bank subsidiary, United Community Bank (the “Bank”), holds minor investments in certain limited partnerships for Community Reinvestment Act purposes. As of March 31, 2019, the Bank had committed to fund an additional $7.93 million related to future capital calls that had 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.

Operating Leases

3 Months Ended

Mar. 31, 2019

Leases [Abstract]

Operating Leases

United’s leases for which it is the lessee consist of operating leases for land, buildings, and equipment. Payments related to these leases consist primarily of base rent and, in the case of building leases, additional operating costs associated with the leased property such as common area maintenance and utilities. In most cases these operating costs vary over the term of the lease, and therefore are classified as variable lease costs, which are recognized as incurred in the consolidated statement of income. In addition, certain operating leases include costs such as property taxes and insurance, which are recognized as incurred in the consolidated statement of income. Many of United’s operating leases contain renewal options, most of which are excluded from the measurement of the right-of-use asset and lease liability as they are not reasonably certain to be exercised. United also subleases and leases certain real estate properties to third parties under operating leases. As of March 31, 2019, United had a right-of-use asset and lease liability of $22.7 million and $25.2 million, respectively, included in other assets and other liabilities, respectively, on the balance sheet.

The table below presents the operating lease income and expense recognized for the period indicated and other supplemental information (in thousands).



	Income Statement Location	Three Months Ended March 31, 2019
Operating lease cost	Occupancy expense	$	1,258
Variable lease cost	Occupancy expense	111
Short-term lease cost	Occupancy expense	19
Sublease income	Occupancy expense	(149		)
Net lease cost		$	1,239

Rental income from owned properties under operating leases	Other noninterest income	$	216

Operating cash flows from operating leases		$	1,348

As of March 31, 2019 the weighted average remaining lease term and weighted average discount rate of operating leases was 6.03 years and 2.80%, respectively. Absent a readily determinable interest rate in the lease agreement, the discount rate applied to each individual lease obligation was the Bank’s incremental borrowing rate for secured borrowings.

As of March 31, 2019 future minimum lease payments under operating leases were as follows (in thousands):



Year
Remainder of 2019	$	3,627
2020	5,253
2021	4,983
2022	4,553
2023	3,979
Thereafter	5,092
Total	27,487
Less discount	(2,287		)
Present value of lease liability	$	25,200

As discussed in Note 2, United adopted Topic 842 using the modified retrospective method with a cumulative effect adjustment to shareholders’ equity without restating comparable periods. As a result, disclosures for comparative periods under the predecessor standard, ASC 840, Leases, are required in the year of transition. As of December 31, 2018, rent commitments under operating leases were $5.35 million, $5.16 million, $4.91 million, $4.48 million, $3.91 million, for 2019 through 2023, respectively, and $5.04 million in the aggregate for years thereafter.

Subsequent Events	3 Months Ended
Subsequent Events	Mar. 31, 2019
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events On May 1, 2019, United completed its previously announced acquisition of First Madison Bank & Trust (“First Madison”). First Madison operated four banking offices in Athens-Clarke County, Georgia and, as of March 31, 2019, had total assets of $244 million, loans of $199 million and deposits of $213 million. First Madison has merged into the Bank and will operate under the First Madison brand until system conversions are completed in the third quarter of 2019, at which time it will begin to operate under the United Community Bank brand. Under the terms of the merger agreement, First Madison shareholders received $52.1 million in cash. The acquisition will be accounted for as a business combination, subject to the provisions of ASC 805-10-50, Business Combinations. Due to the timing of the acquisition, United is currently in the process of completing the purchase accounting and has not made all of the remaining disclosures required by ASC 805 Business Combinations, such as the fair value of assets acquired and supplemental pro forma information, which will be disclosed in subsequent filings.

Accounting Policies (Policies)	3 Months Ended
Accounting Policies (Policies)	Mar. 31, 2019
Accounting Policies [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Accounting Standards Updates In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This guidance was further modified in November 2018 by ASU No. 2018-19, Codification Improvements to Topic 326, Financial Instruments - Credit Losses. The new guidance replaces the incurred loss impairment methodology in current GAAP with a current expected credit loss (“CECL”) 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 deteriorated 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 Accounting Standards Codification (“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 impact. During the first quarter 2019, management’s CECL steering committee continued the process of populating relevant data, building models and documenting processes and controls in preparation for adoption of Topic 326. During the remainder of 2019, management plans to run multiple parallel runs of the allowance model under the expected credit loss methodology, starting with a loan-focused parallel run using first quarter data. Management will incrementally widen the scope of model runs thereafter until a full CECL run is completed. During monthly steering committee meetings, management regularly reviews project status, gap remediation efforts and project priorities. Recently Adopted Standards In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). This guidance was further modified by ASU No. 2018-10, Codification Improvements to Topic 842 Leases, ASU No. 2018-11, Leases (Topic 842): Targeted Improvements, ASU No. 2018-20, Leases (Topic 842): Narrow-Scope Improvements for Lessors and ASU No. 2019-01, Leases (Topic 842): Codification Improvements. These standards require a lessee to recognize in the consolidated balance sheet 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. United adopted the standard on January 1, 2019 using the optional transition method, which allowed for a modified retrospective method of adoption with a cumulative effect adjustment to shareholders’ equity without restating comparable periods. United also elected the relief package of practical expedients for which there is no requirement to reassess existence of leases, their classification, and initial direct costs as well as an exemption for short-term leases with a term of less than one year, whereby United does not recognize a lease liability or right-of-use asset on the consolidated balance sheet but instead recognizes lease payments as an expense over the lease term as appropriate. The adoption of this guidance resulted in recognition of a right-of-use asset of $23.8 million, a lease liability of $26.8 million and a reduction of shareholders’ equity of $549,000, net of tax, related to its operating leases. In addition, United has equipment financing leases for which it is the lessor, which were previously accounted for as capital leases. Upon adoption of Topic 842, these leases were classified as direct financing leases, which required no significant change in accounting policy or treatment. These lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. As a lessor, United elected to exclude sales taxes from consideration in lease contracts. In the opinion of management, the changes described above resulting from the adoption of the standard did not have a material impact on the consolidated financial statements. See Notes 5 and 14 for additional information on direct financing leases and operating leases, respectively.

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

3 Months Ended

Mar. 31, 2019

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
March 31, 2019	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet			Net Asset Balance		Financial Instruments			Collateral Received			Net Amount
Derivatives	$	25,924		$	—		$	25,924	$	(2,295	)	$	(1,797	)	$	21,832
Total	$	25,924		$	—		$	25,924	$	(2,295	)	$	(1,797	)	$	21,832

	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
Derivatives	$	18,789		$	—		$	18,789	$	(2,295	)	$	(11,870	)	$	4,624
Total	$	18,789		$	—		$	18,789	$	(2,295	)	$	(11,870	)	$	4,624

	Gross Amounts of Recognized Assets			Gross Amounts Offset on the Balance Sheet					Gross Amounts not Offset in the Balance Sheet
December 31, 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	24,705			—			24,705		(973		)	(8,029		)	15,703
Total	$	74,705		$	(50,000	)	$	24,705	$	(973	)	$	(8,029	)	$	15,703

Weighted average interest rate of reverse repurchase agreements	3.20		%

	Gross Amounts of Recognized Liabilities			Gross Amounts Offset on the Balance Sheet					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	26,433			—			26,433		(973		)	(16,126		)	9,334
Total	$	76,433		$	(50,000	)	$	26,433	$	(973	)	$	(16,126	)	$	9,334

Weighted average interest rate of repurchase agreements	2.45		%

Schedule of repurchase agreements remaining contractual maturity of the agreements



	Remaining Contractual Maturity of the Agreements
	Overnight and 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									$	—

Securities (Tables)

3 Months Ended

Mar. 31, 2019

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 debt 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 March 31, 2019

State and political subdivisions	$	65,519	$	1,443	$	456	$	66,506
Residential mortgage-backed securities	170,980		1,078		2,532		169,526
Commercial mortgage-backed securities	28,830		323		68		29,085
Total	$	265,329	$	2,844	$	3,056	$	265,117

As of December 31, 2018

State and political subdivisions	$	68,551	$	952	$	2,191	$	67,312
Residential mortgage-backed securities	176,488		652		5,094		172,046
Commercial mortgage-backed securities	29,368		173		96		29,445
Total	$	274,407	$	1,777	$	7,381	$	268,803

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 debt 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 March 31, 2019

U.S. Treasuries	$	142,409	$	22	$	576	$	141,855
U.S. Government agencies	4,812		292		3		5,101
State and political subdivisions	217,120		5,124		64		222,180
Residential mortgage-backed securities	1,414,612		9,222		9,749		1,414,085
Commercial mortgage-backed securities	345,198		432		2,291		343,339
Corporate bonds	200,471		506		301		200,676
Asset-backed securities	128,359		183		1,153		127,389
Total	$	2,452,981	$	15,781	$	14,137	$	2,454,625

As of December 31, 2018

U.S. Treasuries	$	150,712	$	767	$	2,172	$	149,307
U.S. Government agencies	25,493		335		275		25,553
State and political subdivisions	234,750		907		1,716		233,941
Residential mortgage-backed securities	1,464,380		3,428		21,898		1,445,910
Commercial mortgage-backed securities	399,663		187		7,933		391,917
Corporate bonds	200,582		502		1,921		199,163
Asset-backed securities	184,683		328		2,335		182,676
Total	$	2,660,263	$	6,454	$	38,250	$	2,628,467

Schedule of held to maturity securities in an unrealized loss position

The following table summarizes debt securities held-to-maturity 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 March 31, 2019

State and political subdivisions	$	—	$	—	$	22,356	$	456	$	22,356	$	456
Residential mortgage-backed securities	—		—		112,921		2,532		112,921		2,532
Commercial mortgage-backed securities	—		—		4,095		68		4,095		68
Total unrealized loss position	$	—	$	—	$	139,372	$	3,056	$	139,372	$	3,056

As of December 31, 2018

State and political subdivisions	$	7,062	$	46	$	34,146	$	2,145	$	41,208	$	2,191
Residential mortgage-backed securities	6,579		61		136,376		5,033		142,955		5,094
Commercial mortgage-backed securities	—		—		4,290		96		4,290		96
Total unrealized loss position	$	13,641	$	107	$	174,812	$	7,274	$	188,453	$	7,381

Schedule of available for sale securities in an unrealized loss position

The following table summarizes debt securities available-for-sale 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 March 31, 2019

U.S. Treasuries	$	—	$	—	$	122,122	$	576	$	122,122	$	576
U.S. Government agencies	—		—		471		3		471		3
State and political subdivisions	415		1		18,186		63		18,601		64
Residential mortgage-backed securities	47,263		644		665,525		9,105		712,788		9,749
Commercial mortgage-backed securities	—		—		237,883		2,291		237,883		2,291
Corporate bonds	—		—		108,272		301		108,272		301
Asset-backed securities	71,224		720		17,825		433		89,049		1,153
Total unrealized loss position	$	118,902	$	1,365	$	1,170,284	$	12,772	$	1,289,186	$	14,137

As of December 31, 2018

U.S. Treasuries	$	—	$	—	$	120,391	$	2,172	$	120,391	$	2,172
U.S. Government agencies	—		—		21,519		275		21,519		275
State and political subdivisions	15,160		28		133,500		1,688		148,660		1,716
Residential mortgage-backed securities	234,583		808		775,360		21,090		1,009,943		21,898
Commercial mortgage-backed securities	4,552		594		355,292		7,339		359,844		7,933
Corporate bonds	—		—		117,296		1,921		117,296		1,921
Asset-backed securities	74,492		1,879		31,968		456		106,460		2,335
Total unrealized loss position	$	328,787	$	3,309	$	1,555,326	$	34,941	$	1,884,113	$	38,250

Schedule of summary of securities sales activities

The following table summarizes available-for-sale securities sales activity for the three months ended March 31, 2019 and 2018 (in thousands).



	Three Months Ended March 31,
	2019			2018

Proceeds from sales	$	178,604		$	113,961

Gross gains on sales	$	1,287		$	417
Gross losses on sales	(1,554		)	(1,357		)
Net losses on sales of securities	$	(267	)	$	(940	)

Income tax benefit attributable to sales	$	(68	)	$	(221	)

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 debt securities available-for-sale and held-to-maturity at March 31, 2019, 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
U.S. Treasuries:
1 to 5 years	$	142,409	$	141,855	$	—	$	—
	142,409		141,855		—		—

U.S. Government agencies:
1 to 5 years	474		471		—		—
More than 10 years	4,338		4,630		—		—
	4,812		5,101		—		—

State and political subdivisions:
Within 1 year	500		502		3,250		3,262
1 to 5 years	36,058		36,060		11,567		12,024
5 to 10 years	35,888		36,743		7,753		8,423
More than 10 years	144,674		148,875		42,949		42,797
	217,120		222,180		65,519		66,506

Corporate bonds:
Within 1 year	10,239		10,219		—		—
1 to 5 years	187,732		187,948		—		—
5 to 10 years	1,500		1,514		—		—
More than 10 years	1,000		995		—		—
	200,471		200,676		—		—

Asset-backed securities:
1 to 5 years	2,121		2,107		—		—
More than 10 years	126,238		125,282		—		—
	128,359		127,389		—		—

Total securities other than mortgage-backed securities:
Within 1 year	10,739		10,721		3,250		3,262
1 to 5 years	368,794		368,441		11,567		12,024
5 to 10 years	37,388		38,257		7,753		8,423
More than 10 years	276,250		279,782		42,949		42,797
Residential mortgage-backed securities	1,414,612		1,414,085		170,980		169,526
Commercial mortgage-backed securities	345,198		343,339		28,830		29,085
	$	2,452,981	$	2,454,625	$	265,329	$	265,117

- 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)

3 Months Ended

Mar. 31, 2019

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).



	March 31, 2019			December 31, 2018
Owner occupied commercial real estate	$	1,620,068		$	1,647,904
Income producing commercial real estate	1,867,425			1,812,420
Commercial & industrial	1,283,865			1,278,347
Commercial construction	865,666			796,158
Equipment financing	605,984			564,614
Total commercial	6,243,008			6,099,443
Residential mortgage	1,063,840			1,049,232
Home equity lines of credit	683,771			694,010
Residential construction	200,708			211,011
Consumer direct	121,174			122,013
Indirect auto	180,753			207,692

Total loans	8,493,254			8,383,401

Less allowance for loan losses	(61,642		)	(61,203		)

Loans, net	$	8,431,612		$	8,322,198

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

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



	Three Months Ended March 31,
	2019			2018
Balance at beginning of period	$	26,868		$	17,686
Additions due to acquisitions	—			1,830
Accretion	(4,813		)	(2,546		)
Reclassification from nonaccretable difference	2,706			591
Changes in expected cash flows that do not affect nonaccretable difference	1,863			475
Balance at end of period	$	26,624		$	18,036

Schedule of net investment in leases



	March 31, 2019			December 31, 2018
Minimum future lease payments receivable	$	35,385		$	31,915
Estimated residual value of leased equipment	3,791			3,593
Initial direct costs	856			827
Security deposits	(1,173		)	(1,189		)
Purchase accounting premium	644			806
Unearned income	(6,011		)	(5,568		)
Net investment in leases	$	33,492		$	30,384

Schedule of minimum future lease payments received from lease contracts

Minimum future lease payments expected to be received from lease contracts as of March 31, 2019 are as follows (in thousands):



Year
Remainder of 2019	$	10,384
2020	10,960
2021	7,156
2022	4,249
2023	2,046
Thereafter	590
Total	$	35,385

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).



	2019												2018
Three Months Ended March 31,
	Beginning Balance		Charge-Offs			Recoveries		(Release)Provision			Ending Balance		Beginning Balance		Charge-Offs			Recoveries		(Release) Provision			Ending Balance
Owner occupied commercial real estate	$	12,207	$	(5	)	$	69	$	(397	)	$	11,874	$	14,776	$	(60	)	$	103	$	(258	)	$	14,561
Income producing commercial real estate	11,073		(197		)	20		230			11,126		9,381		(657		)	235		817			9,776
Commercial & industrial	4,802		(1,519		)	163		1,449			4,895		3,971		(384		)	389		99			4,075
Commercial construction	10,337		(69		)	394		(387		)	10,275		10,523		(363		)	97		(223		)	10,034
Equipment financing	5,452		(1,424		)	143		2,060			6,231		—		(139		)	97		2,333			2,291
Residential mortgage	8,295		(61		)	48		63			8,345		10,097		(70		)	123		71			10,221
Home equity lines of credit	4,752		(337		)	122		260			4,797		5,177		(124		)	35		(156		)	4,932
Residential construction	2,433		(4		)	26		(65		)	2,390		2,729		—			64		251			3,044
Consumer direct	853		(547		)	207		324			837		710		(651		)	160		514			733
Indirect auto	999		(197		)	38		32			872		1,550		(436		)	80		224			1,418
Total allowance for loan losses	61,203		(4,360		)	1,230		3,569			61,642		58,914		(2,884		)	1,383		3,672			61,085
Allowance for unfunded commitments	3,410		—			—		(269		)	3,141		2,312		—			—		128			2,440
Total allowance for credit losses	$	64,613	$	(4,360	)	$	1,230	$	3,300		$	64,783	$	61,226	$	(2,884	)	$	1,383	$	3,800		$	63,525



	Allowance for Credit Losses
	March 31, 2019								December 31, 2018
	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	$	825	$	10,894	$	155	$	11,874	$	862	$	11,328	$	17	$	12,207
Income producing commercial real estate	280		10,846		—		11,126		402		10,671		—		11,073
Commercial & industrial	36		4,855		4		4,895		32		4,761		9		4,802
Commercial construction	68		10,001		206		10,275		71		9,974		292		10,337
Equipment financing	—		5,988		243		6,231		—		5,045		407		5,452
Residential mortgage	916		7,403		26		8,345		861		7,410		24		8,295
Home equity lines of credit	1		4,796		—		4,797		1		4,740		11		4,752
Residential construction	63		2,327		—		2,390		51		2,382		—		2,433
Consumer direct	5		832		—		837		6		847		—		853
Indirect auto	25		847		—		872		26		973		—		999
Total allowance for loan losses	2,219		58,789		634		61,642		2,312		58,131		760		61,203
Allowance for unfunded commitments	—		3,141		—		3,141		—		3,410		—		3,410
Total allowance for credit losses	$	2,219	$	61,930	$	634	$	64,783	$	2,312	$	61,541	$	760	$	64,613



	Loans Outstanding
	March 31, 2019								December 31, 2018
	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	$	17,238	$	1,594,226	$	8,604	$	1,620,068	$	17,602	$	1,620,450	$	9,852	$	1,647,904
Income producing commercial real estate	14,125		1,817,203		36,097		1,867,425		16,584		1,757,525		38,311		1,812,420
Commercial & industrial	1,701		1,281,823		341		1,283,865		1,621		1,276,318		408		1,278,347
Commercial construction	2,379		857,683		5,604		865,666		2,491		787,760		5,907		796,158
Equipment financing	—		599,243		6,741		605,984		—		556,672		7,942		564,614
Residential mortgage	15,453		1,039,582		8,805		1,063,840		14,220		1,025,862		9,150		1,049,232
Home equity lines of credit	255		682,047		1,469		683,771		276		692,122		1,612		694,010
Residential construction	1,340		198,787		581		200,708		1,207		209,070		734		211,011
Consumer direct	199		120,499		476		121,174		211		121,269		533		122,013
Indirect auto	1,104		179,649		—		180,753		1,237		206,455		—		207,692
Total loans	$	53,794	$	8,370,742	$	68,718	$	8,493,254	$	55,449	$	8,253,503	$	74,449	$	8,383,401

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).



	March 31, 2019						December 31, 2018
	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	$	8,159	$	6,089	$	—	$	8,650	$	6,546	$	—
Income producing commercial real estate	8,333		8,227		—		9,986		9,881		—
Commercial & industrial	522		360		—		525		370		—
Commercial construction	119		113		—		685		507		—
Equipment financing	—		—		—		—		—		—
Total commercial	17,133		14,789		—		19,846		17,304		—
Residential mortgage	6,513		5,890		—		5,787		5,202		—
Home equity lines of credit	275		215		—		330		234		—
Residential construction	753		624		—		554		428		—
Consumer direct	15		15		—		18		17		—
Indirect auto	142		130		—		294		292		—
Total with no related allowance recorded	24,831		21,663		—		26,829		23,477		—

With an allowance recorded:
Owner occupied commercial real estate	11,191		11,149		825		11,095		11,056		862
Income producing commercial real estate	6,166		5,898		280		6,968		6,703		402
Commercial & industrial	1,746		1,341		36		1,652		1,251		32
Commercial construction	2,503		2,266		68		2,130		1,984		71
Equipment financing	—		—		—		—		—		—
Total commercial	21,606		20,654		1,209		21,845		20,994		1,367
Residential mortgage	9,713		9,563		916		9,169		9,018		861
Home equity lines of credit	43		40		1		45		42		1
Residential construction	727		716		63		791		779		51
Consumer direct	189		184		5		199		194		6
Indirect auto	975		974		25		946		945		26
Total with an allowance recorded	33,253		32,131		2,219		32,995		31,972		2,312
Total	$	58,084	$	53,794	$	2,219	$	59,824	$	55,449	$	2,312

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 March 31, 2019
Owner occupied commercial real estate	—	$	—	$	—	$	—	$	—	$	—	—	$	—
Income producing commercial real estate	1	169		—		169		—		169		—	—
Commercial & industrial	1	7		—		—		7		7		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	2	176		—		169		7		176		—	—
Residential mortgage	2	345		—		344		—		344		—	—
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	6	66		—		—		57		57		—	—
Total loans	10	$	587	$	—	$	513	$	64	$	577	—	$	—

Three Months Ended March 31, 2018
Owner occupied commercial real estate	3	$	994	$	—	$	978	$	—	$	978	2	$	1,586
Income producing commercial real estate	—	—		—		—		—		—		—	—
Commercial & industrial	1	81		—		5		—		5		—	—
Commercial construction	—	—		—		—		—		—		—	—
Equipment financing	—	—		—		—		—		—		—	—
Total commercial	4	1,075		—		983		—		983		2	1,586
Residential mortgage	2	340		—		340		—		340		—	—
Home equity lines of credit	—	—		—		—		—		—		—	—
Residential construction	—	—		—		—		—		—		—	—
Consumer direct	—	—		—		—		—		—		—	—
Indirect auto	—	—		—		—		—		—		—	—
Total loans	6	$	1,415	$	—	$	1,323	$	—	$	1,323	2	$	1,586

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).



	2019						2018
Three Months Ended March 31,	Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received		Average Balance		Interest Revenue Recognized During Impairment		Cash Basis Interest Revenue Received
Owner occupied commercial real estate	$	17,410	$	285	$	284	$	24,658	$	245	$	280
Income producing commercial real estate	14,237		193		207		16,433		210		235
Commercial & industrial	1,716		19		19		2,596		40		42
Commercial construction	2,402		34		33		3,936		51		52
Equipment financing	—		—		—		—		—		—
Total commercial	35,765		531		543		47,623		546		609
Residential mortgage	15,502		168		174		14,993		149		150
Home equity lines of credit	258		4		3		344		4		4
Residential construction	1,408		24		23		1,590		24		24
Consumer direct	205		4		4		291		5		5
Indirect auto	1,190		14		14		1,378		18		18
Total	$	54,328	$	745	$	761	$	66,219	$	746	$	810

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).



	March 31, 2019		December 31, 2018
Owner occupied commercial real estate	$	7,030	$	6,421
Income producing commercial real estate	1,276		1,160
Commercial & industrial	1,666		1,417
Commercial construction	473		605
Equipment financing	1,813		2,677
Total commercial	12,258		12,280
Residential mortgage	8,281		8,035
Home equity lines of credit	2,233		2,360
Residential construction	347		288
Consumer direct	47		89
Indirect auto	458		726
Total	$	23,624	$	23,778

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 March 31, 2019	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	4,644	$	1,142	$	3,328	$	9,114	$	1,602,350	$	8,604	$	1,620,068
Income producing commercial real estate	1,199		125		706		2,030		1,829,298		36,097		1,867,425
Commercial & industrial	2,649		790		937		4,376		1,279,148		341		1,283,865
Commercial construction	139		443		24		606		859,456		5,604		865,666
Equipment financing	1,809		894		1,722		4,425		594,818		6,741		605,984
Total commercial	10,440		3,394		6,717		20,551		6,165,070		57,387		6,243,008
Residential mortgage	4,862		1,511		1,292		7,665		1,047,370		8,805		1,063,840
Home equity lines of credit	2,355		634		528		3,517		678,785		1,469		683,771
Residential construction	574		132		154		860		199,267		581		200,708
Consumer direct	522		89		2		613		120,085		476		121,174
Indirect auto	711		185		416		1,312		179,441		—		180,753
Total loans	$	19,464	$	5,945	$	9,109	$	34,518	$	8,390,018	$	68,718	$	8,493,254



	Loans Past Due
As of December 31, 2018	30 - 59 Days		60 - 89 Days		> 90 Days		Total		Loans Not Past Due		PCI Loans		Total
Owner occupied commercial real estate	$	2,542	$	2,897	$	1,011	$	6,450	$	1,631,602	$	9,852	$	1,647,904
Income producing commercial real estate	1,624		291		301		2,216		1,771,893		38,311		1,812,420
Commercial & industrial	7,189		718		400		8,307		1,269,632		408		1,278,347
Commercial construction	267		—		68		335		789,916		5,907		796,158
Equipment financing	1,351		739		2,658		4,748		551,924		7,942		564,614
Total commercial	12,973		4,645		4,438		22,056		6,014,967		62,420		6,099,443
Residential mortgage	5,461		1,788		1,950		9,199		1,030,883		9,150		1,049,232
Home equity lines of credit	2,112		864		902		3,878		688,520		1,612		694,010
Residential construction	509		63		190		762		209,515		734		211,011
Consumer direct	600		82		21		703		120,777		533		122,013
Indirect auto	750		323		633		1,706		205,986		—		207,692
Total loans	$	22,405	$	7,765	$	8,134	$	38,304	$	8,270,648	$	74,449	$	8,383,401

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 March 31, 2019
Owner occupied commercial real estate	$	1,557,510	$	17,511	$	36,443	$	—	$	1,611,464
Income producing commercial real estate	1,789,063		22,548		19,717		—		1,831,328
Commercial & industrial	1,253,268		7,517		22,739		—		1,283,524
Commercial construction	846,902		6,767		6,393		—		860,062
Equipment financing	597,430		—		1,813		—		599,243
Total commercial	6,044,173		54,343		87,105		—		6,185,621
Residential mortgage	1,043,447		—		11,588		—		1,055,035
Home equity lines of credit	678,578		—		3,724		—		682,302
Residential construction	199,570		—		557		—		200,127
Consumer direct	120,465		—		233		—		120,698
Indirect auto	178,740		—		2,013		—		180,753
Total loans, excluding PCI loans	8,264,973		54,343		105,220		—		8,424,536

Owner occupied commercial real estate	2,803		2,781		3,020		—		8,604
Income producing commercial real estate	23,872		11,389		836		—		36,097
Commercial & industrial	246		43		52		—		341
Commercial construction	3,340		165		2,099		—		5,604
Equipment financing	6,626		—		115		—		6,741
Total commercial	36,887		14,378		6,122		—		57,387
Residential mortgage	6,512		—		2,293		—		8,805
Home equity lines of credit	1,350		—		119		—		1,469
Residential construction	542		—		39		—		581
Consumer direct	440		—		36		—		476
Indirect auto	—		—		—		—		—
Total PCI loans	45,731		14,378		8,609		—		68,718

Total loan portfolio	$	8,310,704	$	68,721	$	113,829	$	—	$	8,493,254

As of December 31, 2018
Owner occupied commercial real estate	$	1,585,797	$	16,651	$	35,604	$	—	$	1,638,052
Income producing commercial real estate	1,735,456		20,923		17,730		—		1,774,109
Commercial & industrial	1,247,206		8,430		22,303		—		1,277,939
Commercial construction	777,780		4,533		7,938		—		790,251
Equipment financing	553,995		—		2,677		—		556,672
Total commercial	5,900,234		50,537		86,252		—		6,037,023
Residential mortgage	1,028,660		—		11,422		—		1,040,082
Home equity lines of credit	688,493		—		3,905		—		692,398
Residential construction	209,744		—		533		—		210,277
Consumer direct	121,247		19		214		—		121,480
Indirect auto	205,632		—		2,060		—		207,692
Total loans, excluding PCI loans	8,154,010		50,556		104,386		—		8,308,952

Owner occupied commercial real estate	3,352		2,774		3,726		—		9,852
Income producing commercial real estate	23,430		13,403		1,478		—		38,311
Commercial & industrial	266		48		94		—		408
Commercial construction	3,503		188		2,216		—		5,907
Equipment financing	7,725		—		217		—		7,942
Total commercial	38,276		16,413		7,731		—		62,420
Residential mortgage	6,914		—		2,236		—		9,150
Home equity lines of credit	1,492		—		120		—		1,612
Residential construction	687		—		47		—		734
Consumer direct	493		—		40		—		533
Indirect auto	—		—		—		—		—
Total PCI loans	47,862		16,413		10,174		—		74,449

Total loan portfolio	$	8,201,872	$	66,969	$	114,560	$	—	$	8,383,401

Reclassifications Out of Accumulated Other Comprehensive Income (Tables)

3 Months Ended

Mar. 31, 2019

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).



Details about Accumulated Other Comprehensive Income Components	Three Months Ended March 31,						Affected Line Item in the Statement Where Net Income is Presented
	2019			2018
Realized losses on available-for-sale securities:
	$	(267	)	$	(940	)	Securities losses, net
	68			221			Income tax benefit
	$	(199	)	$	(719	)	Net of tax

Amortization of losses included in net income on available-for-sale securities transferred to held-to-maturity:
	$	(84	)	$	(222	)	Investment securities interest revenue
	20			54			Income tax benefit
	$	(64	)	$	(168	)	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	$	(102	)	$	(147	)	Money market deposit interest expense
	26			38			Income tax benefit
	$	(76	)	$	(109	)	Net of tax

Amortization of prior service cost and actuarial losses included in net periodic pension cost for defined benefit pension plan:
Prior service cost	$	(159	)	$	(167	)	Salaries and employee benefits expense
Actuarial losses	(15		)	—			Other expense
Actuarial losses	—			(60		)	Salaries and employee benefits expense
	(174		)	(227		)	Total before tax
	44			58			Income tax benefit
	$	(130	)	$	(169	)	Net of tax

Total reclassifications for the period	$	(469	)	$	(1,165	)	Net of tax

Earnings Per Share (Tables)

3 Months Ended

Mar. 31, 2019

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 March 31,
	2019			2018
Net income	$	44,262		$	37,658
Dividends and undistributed earnings allocated to unvested shares	(315		)	(277		)
Net income available to common shareholders	$	43,947		$	37,381

Weighted average shares outstanding:
Basic	79,807			79,205
Effect of dilutive securities
Stock options	3			10
Restricted stock units	3			—
Diluted	79,813			79,215

Net income per common share:
Basic	$	0.55		$	0.47
Diluted	$	0.55		$	0.47

Derivatives and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2019

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 sheets (in thousands):

Derivatives designated as hedging instruments under ASC 815



Interest Rate Products	Balance Sheet Location	March 31, 2019		December 31, 2018
Fair value hedge of brokered CDs	Derivative liabilities	$	1,251	$	1,682
		$	1,251	$	1,682

Derivatives not designated as hedging instruments under ASC 815



Interest Rate Products	Balance Sheet Location	March 31, 2019		December 31, 2018
Customer derivative positions	Derivative assets	$	12,658	$	5,216
Dealer offsets to customer derivative positions	Derivative assets	3,691		7,620
Mortgage banking - loan commitment	Derivative assets	1,796		1,190
Mortgage banking - forward sales commitment	Derivative assets	14		28
Bifurcated embedded derivatives	Derivative assets	7,765		10,651
		$	25,924	$	24,705

Customer derivative positions	Derivative liabilities	$	4,118	$	9,661
Dealer offsets to customer derivative positions	Derivative liabilities	2,744		781
Risk participations	Derivative liabilities	6		8
Mortgage banking - forward sales commitment	Derivative liabilities	483		259
Dealer offsets to bifurcated embedded derivatives	Derivative liabilities	10,187		13,339
De-designated hedges	Derivative liabilities	—		703
		$	17,538	$	24,751

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	2019		2018			2019			2018
Three Months Ended March 31,
Fair value hedges of brokered CDs	Interest expense	$	451	$	(693	)	$	(462	)	$	545
Fair value hedges of corporate bonds	Interest revenue	—		(336		)	—			405
		$	451	$	(1,029	)	$	(462	)	$	950

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	2019			2018
Three Months Ended March 31,
Customer derivatives and dealer offsets	Other noninterest income	$	503		$	772
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	218			370
Interest rate caps	Other noninterest income	—			276
De-designated hedges	Other noninterest income	(193		)	(67		)
Mortgage banking derivatives	Mortgage loan revenue	(190		)	1,264
Risk participations	Other noninterest income	2			(2		)
		$	340		$	2,613

Stock-Based Compensation (Tables)

3 Months Ended

Mar. 31, 2019

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

Schedule of stock option activity

The following table shows stock option activity for the first three months of 2019.



Options	Shares		Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value ($000)
Outstanding at December 31, 2018	47,139		$	27.07
Exercised	(12,000	)	16.44
Cancelled/forfeited	(504	)	31.50
Expired	(1,023	)	29.45
Outstanding at March 31, 2019	33,612		30.72		0.4	$	13

Exercisable at March 31, 2019	33,612		30.72		0.4	13

Schedule of restricted stock units activity

The table below presents restricted stock units activity for the first three months of 2019.



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, 2018	759,746		$	27.66
Granted	37,994		25.67
Vested	(46,628	)	25.72			$	1,322
Cancelled	(14,284	)	25.30
Outstanding at March 31, 2019	736,828		27.72		4.2	18,369

Assets and Liabilities Measured at Fair Value (Tables)

3 Months Ended

Mar. 31, 2019

Fair Value Disclosures [Abstract]

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



March 31, 2019	Level 1		Level 2		Level 3		Total
Assets:
Debt securities available for sale:
U.S. Treasuries	$	141,855	$	—	$	—	$	141,855
U.S. Government agencies	—		5,101		—		5,101
State and political subdivisions	—		222,180		—		222,180
Residential mortgage-backed securities	—		1,414,085		—		1,414,085
Commercial mortgage-backed securities	—		343,339		—		343,339
Corporate bonds	—		199,681		995		200,676
Asset-backed securities	—		127,389		—		127,389
Equity securities with readily available fair values	910		—		—		910
Mortgage loans held for sale	—		26,341		—		26,341
Deferred compensation plan assets	7,129		—		—		7,129
Servicing rights for SBA/USDA loans	—		—		7,401		7,401
Residential mortgage servicing rights	—		—		11,447		11,447
Derivative financial instruments	—		16,363		9,561		25,924
Total assets	$	149,894	$	2,354,479	$	29,404	$	2,533,777

Liabilities:
Deferred compensation plan liability	$	7,129	$	—	$	—	$	7,129
Derivative financial instruments	—		7,345		11,444		18,789
Total liabilities	$	7,129	$	7,345	$	11,444	$	25,918



December 31, 2018	Level 1		Level 2		Level 3		Total
Assets:
Debt securities available for sale
U.S. Treasuries	$	149,307	$	—	$	—	$	149,307
U.S. Agencies	—		25,553		—		25,553
State and political subdivisions	—		233,941		—		233,941
Residential mortgage-backed securities	—		1,445,910		—		1,445,910
Commercial mortgage-backed securities	—		391,917		—		391,917
Corporate bonds	—		198,168		995		199,163
Asset-backed securities	—		182,676		—		182,676
Equity securities with readily available fair values	1,076		—		—		1,076
Mortgage loans held for sale	—		18,935		—		18,935
Deferred compensation plan assets	6,404		—		—		6,404
Servicing rights for SBA/USDA loans	—		—		7,510		7,510
Residential mortgage servicing rights	—		—		11,877		11,877
Derivative financial instruments	—		12,864		11,841		24,705
Total assets	$	156,787	$	2,509,964	$	32,223	$	2,698,974

Liabilities:
Deferred compensation plan liability	$	6,404	$	—	$	—	$	6,404
Derivative financial instruments	—		10,701		15,732		26,433
Total liabilities	$	6,404	$	10,701	$	15,732	$	32,837

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



	Derivative Asset			Derivative Liability			Servicing rights for SBA/USDA loans			Residential mortgage servicing rights			Debt Securities Available-for-Sale
Three Months Ended March 31, 2019
Balance at beginning of period	$	11,841		$	15,732		$	7,510		$	11,877		$	995
Additions	—			—			375			863			—
Sales and settlements	(1,135		)	(2,330		)	(363		)	(150		)	—
Amounts included in earnings - fair value adjustments	(1,145		)	(1,958		)	(121		)	(1,143		)	—
Balance at end of period	$	9,561		$	11,444		$	7,401		$	11,447		$	995

Three Months Ended March 31, 2018
Balance at beginning of period	$	12,207		$	16,744		$	7,740		$	8,262		$	900
Business combinations	—			—			(354		)	—			—
Additions	—			—			479			926			—
Sales and settlements	(1,029		)	(1,347		)	(91		)	(80		)	—
Amounts included in earnings - fair value adjustments	2,699			2,391			(304		)	610			—
Balance at end of period	$	13,877		$	17,788		$	7,470		$	9,718		$	900

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	March 31, 2019		December 31, 2018		Valuation Technique		March 31, 2019		December 31, 2018
Level 3 Assets and Liabilities	March 31, 2019		December 31, 2018		Valuation Technique	Unobservable Inputs	March 31, 2019		December 31, 2018
Servicing rights for SBA/USDA loans	$	7,401	$	7,510	Discounted cash flow	Discount rate	13.6	%	14.5	%
						Prepayment rate	12.5	%	12.1	%
Residential mortgage servicing rights	11,447		11,877		Discounted cash flow	Discount rate	10.0	%	10.0	%
						Prepayment rate	12.8	%	10.6	%
Corporate bonds	995		995		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	1,796		1,190		Internal model	Pull through rate	78.9	%	80.7	%
Derivative assets - other	7,765		10,651		Dealer priced	Dealer priced	N/A		N/A
Derivative liabilities - risk participations	6		8		Internal model	Probable exposure rate	0.37	%	0.44	%
						Probability of default rate	1.80	%	1.80	%
Derivative liabilities - other	11,438		15,724		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 March 31, 2019 and December 31, 2018, 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
March 31, 2019
Loans	$	—	$	—	$	1,286	$	1,286

December 31, 2018
Loans	$	—	$	—	$	8,631	$	8,631

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).



			Fair Value Level
	Carrying Amount		Level 1		Level 2		Level 3		Total
March 31, 2019
Assets:
Securities held to maturity	$	265,329	$	—	$	265,117	$	—	$	265,117
Loans and leases, net	8,431,612		—		—		8,401,018		8,401,018

Liabilities:
Deposits	10,534,306		—		10,527,436		—		10,527,436
Federal Home Loan Bank advances	40,000		—		39,998		—		39,998
Long-term debt	257,259		—		—		266,468		266,468

December 31, 2018
Assets:
Securities held to maturity	$	274,407	$	—	$	268,803	$	—	$	268,803
Loans and leases, net	8,322,198		—		—		8,277,387		8,277,387

Liabilities:
Deposits	10,534,513		—		10,528,834		—		10,528,834
Federal Home Loan Bank advances	160,000		—		159,988		—		159,988
Long-term debt	267,189		—		—		278,996		278,996

Commitments and Contingencies (Tables)

3 Months Ended

Mar. 31, 2019

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).



	March 31, 2019		December 31, 2018
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	2,053,155	$	2,129,463
Letters of credit	26,867		25,447

Operating Leases (Tables)

3 Months Ended

Mar. 31, 2019

Leases [Abstract]

Schedule of operating lease income and expense and other supplemental information

The table below presents the operating lease income and expense recognized for the period indicated and other supplemental information (in thousands).



	Income Statement Location	Three Months Ended March 31, 2019
Operating lease cost	Occupancy expense	$	1,258
Variable lease cost	Occupancy expense	111
Short-term lease cost	Occupancy expense	19
Sublease income	Occupancy expense	(149		)
Net lease cost		$	1,239

Rental income from owned properties under operating leases	Other noninterest income	$	216

Operating cash flows from operating leases		$	1,348

Schedule of future minimum lease payments under operating leases

As of March 31, 2019 future minimum lease payments under operating leases were as follows (in thousands):



Year
Remainder of 2019	$	3,627
2020	5,253
2021	4,983
2022	4,553
2023	3,979
Thereafter	5,092
Total	27,487
Less discount	(2,287		)
Present value of lease liability	$	25,200

Accounting Standards Updates and Recently Adopted Standards - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jan. 01, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset	$ 22,700
Lease liability	$ 25,200
Reduction in shareholders' equity upon adoption of accounting standard		$ 549
ASU No. 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset		23,800
Lease liability		26,800
Reduction in shareholders' equity upon adoption of accounting standard		$ 549

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings - Summary of amounts outstanding under master netting agreements (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Offsetting [Abstract]
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized assets		$ 50,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on the balance sheet		(50,000)
Repurchase agreements / reverse repurchase agreements, net asset balance		0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet assets of financial instruments		0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet assets of collateral received		0
Repurchase agreements / reverse repurchase agreements, net amount		0
Derivatives, gross amounts of recognized assets	$ 25,924	24,705
Derivatives, gross amounts offset on the balance sheet	0	0
Derivatives, net asset balance	25,924	24,705
Derivatives, gross amounts not offset in balance sheet assets of financial instruments	(2,295)	(973)
Derivative, gross amounts not offset in balance sheet assets of collateral received	(1,797)	(8,029)
Derivatives, net amount	21,832	15,703
Offsetting assets, gross amounts of recognized assets	25,924	74,705
Offsetting assets, gross amounts offset on balance sheet	0	(50,000)
Offsetting assets, net asset balance	25,924	24,705
Offsetting assets, gross amounts not offset in balance sheet of financial instruments	(2,295)	(973)
Offsetting assets, gross amounts not offset in the balance sheet of collateral received	(1,797)	(8,029)
Offsetting assets, net amount	21,832	$ 15,703
Weighted average interest rate of reverse repurchase agreements, assets (percent)		3.20%
Repurchase agreements / reverse repurchase agreements, gross amounts of recognized liabilities		$ 50,000
Repurchase agreements / reverse repurchase agreements, gross amounts offset on balance sheet		(50,000)
Repurchase agreements / reverse repurchase agreements, net liability balance		0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet liabilities of financial instruments		0
Repurchase agreements / reverse repurchase agreements, gross amounts not offset in balance sheet liabilities of collateral pledged		0
Repurchase agreements / reverse repurchase agreements, net amount		0
Derivatives, gross amounts of recognized liabilities	18,789	26,433
Derivatives, gross amounts offset on balance sheet	0	0
Derivatives, net liability balance	18,789	26,433
Derivatives, gross amounts not offset in balance sheet liabilities of financial instruments	(2,295)	(973)
Derivatives, gross amounts not offset in balance sheet liabilities of collateral pledged	(11,870)	(16,126)
Derivatives, net amount	4,624	9,334
Offsetting liabilities, gross amounts of recognized liabilities	18,789	76,433
Offsetting liabilities, gross amounts offset on balance sheet	0	(50,000)
Offsetting liabilities, net liability balance	18,789	26,433
Offsetting liabilities, gross amounts not offset in balance sheet of financial instruments	(2,295)	(973)
Offsetting liabilities, gross amounts not offset in the balance sheet of collateral pledged	(11,870)	(16,126)
Offsetting liabilities, net amount	$ 4,624	$ 9,334
Weighted average interest rate of reverse repurchase agreements, liabilities (percent)		2.45%

Balance Sheet Offsetting and Repurchase Agreements Accounted for as Secured Borrowings - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Offsetting [Abstract]
Right to reclaim cash collateral	$ 11,900	$ 16,100
Obligation to return cash collateral	$ 1,800	$ 8,030

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

Securities - Amortized cost, gross unrealized gains and losses, and fair value of debt securities held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Held-to-maturity securities:
Amortized Cost	$ 265,329	$ 274,407
Gross Unrealized Gains	2,844	1,777
Gross Unrealized Losses	3,056	7,381
Fair Value	265,117	268,803
State and political subdivisions
Held-to-maturity securities:
Amortized Cost	65,519	68,551
Gross Unrealized Gains	1,443	952
Gross Unrealized Losses	456	2,191
Fair Value	66,506	67,312
Residential mortgage-backed securities
Held-to-maturity securities:
Amortized Cost	170,980	176,488
Gross Unrealized Gains	1,078	652
Gross Unrealized Losses	2,532	5,094
Fair Value	169,526	172,046
Commercial mortgage-backed securities
Held-to-maturity securities:
Amortized Cost	28,830	29,368
Gross Unrealized Gains	323	173
Gross Unrealized Losses	68	96
Fair Value	$ 29,085	$ 29,445

Securities - Amortized cost, gross unrealized gains and losses, and fair value of debt securities available-for-sale (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Debt securities available for sale and equity securities:
Amortized Cost	$ 2,452,981	$ 2,660,263
Gross Unrealized Gains	15,781	6,454
Gross Unrealized Losses	14,137	38,250
Fair Value	2,454,625	2,628,467
U.S. Treasuries
Debt securities available for sale and equity securities:
Amortized Cost	142,409	150,712
Gross Unrealized Gains	22	767
Gross Unrealized Losses	576	2,172
Fair Value	141,855	149,307
U.S. Government agencies
Debt securities available for sale and equity securities:
Amortized Cost	4,812	25,493
Gross Unrealized Gains	292	335
Gross Unrealized Losses	3	275
Fair Value	5,101	25,553
State and political subdivisions
Debt securities available for sale and equity securities:
Amortized Cost	217,120	234,750
Gross Unrealized Gains	5,124	907
Gross Unrealized Losses	64	1,716
Fair Value	222,180	233,941
Residential mortgage-backed securities
Debt securities available for sale and equity securities:
Amortized Cost	1,414,612	1,464,380
Gross Unrealized Gains	9,222	3,428
Gross Unrealized Losses	9,749	21,898
Fair Value	1,414,085	1,445,910
Commercial mortgage-backed securities
Debt securities available for sale and equity securities:
Amortized Cost	345,198	399,663
Gross Unrealized Gains	432	187
Gross Unrealized Losses	2,291	7,933
Fair Value	343,339	391,917
Corporate bonds
Debt securities available for sale and equity securities:
Amortized Cost	200,471	200,582
Gross Unrealized Gains	506	502
Gross Unrealized Losses	301	1,921
Fair Value	200,676	199,163
Asset-backed securities
Debt securities available for sale and equity securities:
Amortized Cost	128,359	184,683
Gross Unrealized Gains	183	328
Gross Unrealized Losses	1,153	2,335
Fair Value	$ 127,389	$ 182,676

Securities - Narrative (Details)	3 Months Ended
Securities - Narrative (Details)	Mar. 31, 2019 USD ($) security	Mar. 31, 2018 USD ($)	Dec. 31, 2018 USD ($)
Investments, Debt and Equity Securities [Abstract]
Carrying value of securities pledged to secure public deposits, derivatives and other secured borrowings \| $	$ 842,000,000		$ 925,000,000
Number of available-for-sale securities in unrealized loss position \| security	174
Number of held-to-maturity securities in unrealized loss position \| security	56
Other-than-temporary impairment charges \| $	$ 0	$ 0

Securities - Summary of debt securites held-to-maturity in unrealized loss position (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 0	$ 13,641
Unrealized Loss, Less than 12 Months	0	107
Fair Value, 12 Months or More	139,372	174,812
Unrealized Loss, 12 Months or More	3,056	7,274
Fair Value, Total	139,372	188,453
Unrealized Loss, Total	3,056	7,381
State and political subdivisions
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	0	7,062
Unrealized Loss, Less than 12 Months	0	46
Fair Value, 12 Months or More	22,356	34,146
Unrealized Loss, 12 Months or More	456	2,145
Fair Value, Total	22,356	41,208
Unrealized Loss, Total	456	2,191
Residential mortgage-backed securities
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	0	6,579
Unrealized Loss, Less than 12 Months	0	61
Fair Value, 12 Months or More	112,921	136,376
Unrealized Loss, 12 Months or More	2,532	5,033
Fair Value, Total	112,921	142,955
Unrealized Loss, Total	2,532	5,094
Commercial mortgage-backed securities
Summary of held to maturity securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	4,095	4,290
Unrealized Loss, 12 Months or More	68	96
Fair Value, Total	4,095	4,290
Unrealized Loss, Total	$ 68	$ 96

Securities - Summary of debt securities available-for-sale in unrealized loss position (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 118,902	$ 328,787
Unrealized Loss, Less than 12 Months	1,365	3,309
Fair Value, 12 Months or More	1,170,284	1,555,326
Unrealized Loss, 12 Months or More	12,772	34,941
Fair Value, Total	1,289,186	1,884,113
Unrealized Loss, Total	14,137	38,250
U.S. Treasuries
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	122,122	120,391
Unrealized Loss, 12 Months or More	576	2,172
Fair Value, Total	122,122	120,391
Unrealized Loss, Total	576	2,172
U.S. Government agencies
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	471	21,519
Unrealized Loss, 12 Months or More	3	275
Fair Value, Total	471	21,519
Unrealized Loss, Total	3	275
State and political subdivisions
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	415	15,160
Unrealized Loss, Less than 12 Months	1	28
Fair Value, 12 Months or More	18,186	133,500
Unrealized Loss, 12 Months or More	63	1,688
Fair Value, Total	18,601	148,660
Unrealized Loss, Total	64	1,716
Residential mortgage-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	47,263	234,583
Unrealized Loss, Less than 12 Months	644	808
Fair Value, 12 Months or More	665,525	775,360
Unrealized Loss, 12 Months or More	9,105	21,090
Fair Value, Total	712,788	1,009,943
Unrealized Loss, Total	9,749	21,898
Commercial mortgage-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	0	4,552
Unrealized Loss, Less than 12 Months	0	594
Fair Value, 12 Months or More	237,883	355,292
Unrealized Loss, 12 Months or More	2,291	7,339
Fair Value, Total	237,883	359,844
Unrealized Loss, Total	2,291	7,933
Corporate bonds
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	108,272	117,296
Unrealized Loss, 12 Months or More	301	1,921
Fair Value, Total	108,272	117,296
Unrealized Loss, Total	301	1,921
Asset-backed securities
Summary of available for sale securities in an unrealized loss position
Fair Value, Less than 12 Months	71,224	74,492
Unrealized Loss, Less than 12 Months	720	1,879
Fair Value, 12 Months or More	17,825	31,968
Unrealized Loss, 12 Months or More	433	456
Fair Value, Total	89,049	106,460
Unrealized Loss, Total	$ 1,153	$ 2,335

Securities - Summary of available-for-sale securities sales activity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 178,604	$ 113,961
Gross gains on sales	1,287	417
Gross losses on sales	(1,554)	(1,357)
Net losses on sales of securities	(267)	(940)
Income tax benefit attributable to sales	$ (68)	$ (221)

Securities - Amortized cost and fair value of held-to-maturity and available-for-sale securities by contractual maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Available-for-Sale, Amortized Cost
Amortized Cost	$ 2,452,981	$ 2,660,263
Available-for-Sale, Fair Value
Fair Value	2,454,625	2,628,467
Held-to-Maturity, Amortized Cost
Amortized Cost	265,329	274,407
Held-to-Maturity, Fair Value
Fair value	265,117	268,803
U.S. Treasuries
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	142,409
Amortized Cost	142,409	150,712
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	141,855
Fair Value	141,855	149,307
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, 1 to 5 years	0
Amortized Cost	0
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, 1 to 5 years	0
Fair value	0
U.S. Government agencies
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, 1 to 5 years	474
Available-for-Sale, Amortized Cost, More than 10 years	4,338
Amortized Cost	4,812	25,493
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	471
Available-for-Sale, Fair Value, More than 10 years	4,630
Fair Value	5,101	25,553
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	500
Available-for-Sale, Amortized Cost, 1 to 5 years	36,058
Available-for-Sale, Amortized Cost, 5 to 10 years	35,888
Available-for-Sale, Amortized Cost, More than 10 years	144,674
Amortized Cost	217,120	234,750
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, Within 1 year	502
Available-for-Sale, Fair Value, 1 to 5 years	36,060
Available-for-Sale, Fair Value, 5 to 10 years	36,743
Available-for-Sale, Fair Value, More than 10 years	148,875
Fair Value	222,180	233,941
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, Within 1 year	3,250
Held-to-Maturity, Amortized Cost, 1 to 5 years	11,567
Held-to-Maturity, Amortized Cost, 5 to 10 years	7,753
Held-to-Maturity, Amortized Cost, More than 10 years	42,949
Amortized Cost	65,519	68,551
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, Within 1 year	3,262
Held-to-Maturity, Fair Value, 1 to 5 years	12,024
Held-to-Maturity, Fair Value, 5 to 10 years	8,423
Held-to-Maturity, Fair Value, More than 10 years	42,797
Fair value	66,506	67,312
Corporate bonds
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, Within 1 year	10,239
Available-for-Sale, Amortized Cost, 1 to 5 years	187,732
Available-for-Sale, Amortized Cost, 5 to 10 years	1,500
Available-for-Sale, Amortized Cost, More than 10 years	1,000
Amortized Cost	200,471	200,582
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, Within 1 year	10,219
Available-for-Sale, Fair Value, 1 to 5 years	187,948
Available-for-Sale, Fair Value, 5 to 10 years	1,514
Available-for-Sale, Fair Value, More than 10 years	995
Fair Value	200,676	199,163
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, Within 1 year	0
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, Within 1 year	0
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	2,121
Available-for-Sale, Amortized Cost, More than 10 years	126,238
Amortized Cost	128,359	184,683
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, 1 to 5 years	2,107
Available-for-Sale, Fair Value, More than 10 years	125,282
Fair Value	127,389	182,676
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
Total securities other than mortgage-backed securities
Available-for-Sale, Amortized Cost
Available-for-Sale, Amortized Cost, Within 1 year	10,739
Available-for-Sale, Amortized Cost, 1 to 5 years	368,794
Available-for-Sale, Amortized Cost, 5 to 10 years	37,388
Available-for-Sale, Amortized Cost, More than 10 years	276,250
Available-for-Sale, Fair Value
Available-for-Sale, Fair Value, Within 1 year	10,721
Available-for-Sale, Fair Value, 1 to 5 years	368,441
Available-for-Sale, Fair Value, 5 to 10 years	38,257
Available-for-Sale, Fair Value, More than 10 years	279,782
Held-to-Maturity, Amortized Cost
Held-to-Maturity, Amortized Cost, Within 1 year	3,250
Held-to-Maturity, Amortized Cost, 1 to 5 years	11,567
Held-to-Maturity, Amortized Cost, 5 to 10 years	7,753
Held-to-Maturity, Amortized Cost, More than 10 years	42,949
Held-to-Maturity, Fair Value
Held-to-Maturity, Fair Value, Within 1 year	3,262
Held-to-Maturity, Fair Value, 1 to 5 years	12,024
Held-to-Maturity, Fair Value, 5 to 10 years	8,423
Held-to-Maturity, Fair Value, More than 10 years	42,797
Residential mortgage-backed securities
Available-for-Sale, Amortized Cost
Amortized Cost	1,414,612	1,464,380
Available-for-Sale, Fair Value
Fair Value	1,414,085	1,445,910
Held-to-Maturity, Amortized Cost
Amortized Cost	170,980	176,488
Held-to-Maturity, Fair Value
Fair value	169,526	172,046
Commercial mortgage-backed securities
Available-for-Sale, Amortized Cost
Amortized Cost	345,198	399,663
Available-for-Sale, Fair Value
Fair Value	343,339	391,917
Held-to-Maturity, Amortized Cost
Amortized Cost	28,830	29,368
Held-to-Maturity, Fair Value
Fair value	$ 29,085	$ 29,445

Loans and Leases and Allowance for Credit Losses - Major classifications of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Classifications of loans
Total loans	$ 8,493,254	$ 8,383,401
Less allowance for loan and lease losses	(61,642)	(61,203)
Loans and leases, net	8,431,612	8,322,198
Loans Receivable
Classifications of loans
Total loans	8,493,254	8,383,401
Loans Receivable \| Indirect auto
Classifications of loans
Total loans	180,753	207,692
Loans Receivable \| Commercial
Classifications of loans
Total loans	6,243,008	6,099,443
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Classifications of loans
Total loans	1,620,068	1,647,904
Loans Receivable \| Commercial \| Income producing commercial real estate
Classifications of loans
Total loans	1,867,425	1,812,420
Loans Receivable \| Commercial \| Commercial & industrial
Classifications of loans
Total loans	1,283,865	1,278,347
Loans Receivable \| Commercial \| Construction
Classifications of loans
Total loans	865,666	796,158
Loans Receivable \| Commercial \| Equipment financing
Classifications of loans
Total loans	605,984	564,614
Loans Receivable \| Residential \| Residential mortgage
Classifications of loans
Total loans	1,063,840	1,049,232
Loans Receivable \| Residential \| Home equity lines of credit
Classifications of loans
Total loans	683,771	694,010
Loans Receivable \| Residential \| Construction
Classifications of loans
Total loans	200,708	211,011
Loans Receivable \| Consumer direct
Classifications of loans
Total loans	$ 121,174	$ 122,013

Loans and Leases and Allowance for Credit Losses - Narrative (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Remaining accretable fair value mark on loans	$ 4,440,000		$ 4,310,000
Net investment in leases	33,492,000		30,384,000
Criteria amount for evaluation of impairment	500,000
Specific reserves	2,220,000		2,310,000
Gross additional interest income that would have been earned if the nonaccrual loans had performed as per original terms	378,000	$ 342,000
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans	68,718,000		74,449,000
Unpaid principal balance of purchased credit impaired ("PCI") loans	100,000,000		109,000,000
Additional availability on loans classified as troubled debt restructurings	0		0
Loans Receivable \| Indirect auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of purchased credit impaired loans	0		0
Remaining accretable fair value mark on loans	3,030,000		3,720,000
FHLB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pledged as collateral to secure FHLB advances	$ 4,030,000,000		$ 3,980,000,000

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
	Mar. 31, 2019	Mar. 31, 2018
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at beginning of period	$ 26,868	$ 17,686
Additions due to acquisitions	0	1,830
Accretion	(4,813)	(2,546)
Reclassification from nonaccretable difference	2,706	591
Changes in expected cash flows that do not affect nonaccretable difference	1,863	475
Balance at end of period	$ 26,624	$ 18,036

Loans and Leases and Allowance for Credit Losses - Components of net investment in leases (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Net Investment in Leases
Minimum future lease payments receivable	$ 35,385	$ 31,915
Estimated residual value of leased equipment	3,791	3,593
Initial direct costs	856	827
Security deposits	(1,173)	(1,189)
Purchase accounting premium	644	806
Unearned income	(6,011)	(5,568)
Net investment in leases	$ 33,492	$ 30,384

Loans and Leases and Allowance for Credit Losses - Minimum future lease payment to be received (Details) $ in Thousands	Mar. 31, 2019 USD ($)
Minimum future lease payments expected to be received
Remainder of 2019	$ 10,384
2020	10,960
2021	7,156
2022	4,249
2023	2,046
Thereafter	590
Total	$ 35,385

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
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	$ 64,613	$ 61,226
Charge-Offs	(4,360)	(2,884)
Recoveries	1,230	1,383
(Release)Provision	3,300	3,800
Ending Balance	64,783	63,525
Allowance for unfunded commitments
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,410	2,312
Charge-Offs	0	0
Recoveries	0	0
(Release)Provision	(269)	128
Ending Balance	3,141	2,440
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	61,203	58,914
Charge-Offs	(4,360)	(2,884)
Recoveries	1,230	1,383
(Release)Provision	3,569	3,672
Ending Balance	61,642	61,085
Loans Receivable \| Indirect auto
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	999	1,550
Charge-Offs	(197)	(436)
Recoveries	38	80
(Release)Provision	32	224
Ending Balance	872	1,418
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	12,207	14,776
Charge-Offs	(5)	(60)
Recoveries	69	103
(Release)Provision	(397)	(258)
Ending Balance	11,874	14,561
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	11,073	9,381
Charge-Offs	(197)	(657)
Recoveries	20	235
(Release)Provision	230	817
Ending Balance	11,126	9,776
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,802	3,971
Charge-Offs	(1,519)	(384)
Recoveries	163	389
(Release)Provision	1,449	99
Ending Balance	4,895	4,075
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	10,337	10,523
Charge-Offs	(69)	(363)
Recoveries	394	97
(Release)Provision	(387)	(223)
Ending Balance	10,275	10,034
Loans Receivable \| Commercial \| Equipment financing
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	5,452	0
Charge-Offs	(1,424)	(139)
Recoveries	143	97
(Release)Provision	2,060	2,333
Ending Balance	6,231	2,291
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,433	2,729
Charge-Offs	(4)	0
Recoveries	26	64
(Release)Provision	(65)	251
Ending Balance	2,390	3,044
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	8,295	10,097
Charge-Offs	(61)	(70)
Recoveries	48	123
(Release)Provision	63	71
Ending Balance	8,345	10,221
Loans Receivable \| Residential \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,752	5,177
Charge-Offs	(337)	(124)
Recoveries	122	35
(Release)Provision	260	(156)
Ending Balance	4,797	4,932
Loans Receivable \| Consumer direct
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning Balance	853	710
Charge-Offs	(547)	(651)
Recoveries	207	160
(Release)Provision	324	514
Ending Balance	$ 837	$ 733

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	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	$ 2,219	$ 2,312
Allowance for Credit Losses, Collectively evaluated for impairment	61,930	61,541
Allowance for Credit Losses, PCI	634	760
Allowance for Credit Losses, Ending balance	64,783	64,613	$ 63,525	$ 61,226
Loans Outstanding, Ending Balance	8,493,254	8,383,401
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	3,141	3,410
Allowance for Credit Losses, PCI	0	0
Allowance for Credit Losses, Ending balance	3,141	3,410	2,440	2,312
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	2,219	2,312
Allowance for Credit Losses, Collectively evaluated for impairment	58,789	58,131
Allowance for Credit Losses, PCI	634	760
Allowance for Credit Losses, Ending balance	61,642	61,203	61,085	58,914
Loans Outstanding, Individually evaluated for impairment	53,794	55,449
Loans Outstanding, Collectively evaluated for impairment	8,370,742	8,253,503
PCI Loans	68,718	74,449
Loans Outstanding, Ending Balance	8,493,254	8,383,401
Loans Receivable \| Indirect auto
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	25	26
Allowance for Credit Losses, Collectively evaluated for impairment	847	973
Allowance for Credit Losses, PCI	0	0
Allowance for Credit Losses, Ending balance	872	999	1,418	1,550
Loans Outstanding, Individually evaluated for impairment	1,104	1,237
Loans Outstanding, Collectively evaluated for impairment	179,649	206,455
PCI Loans	0	0
Loans Outstanding, Ending Balance	180,753	207,692
Loans Receivable \| Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
PCI Loans	57,387	62,420
Loans Outstanding, Ending Balance	6,243,008	6,099,443
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	825	862
Allowance for Credit Losses, Collectively evaluated for impairment	10,894	11,328
Allowance for Credit Losses, PCI	155	17
Allowance for Credit Losses, Ending balance	11,874	12,207	14,561	14,776
Loans Outstanding, Individually evaluated for impairment	17,238	17,602
Loans Outstanding, Collectively evaluated for impairment	1,594,226	1,620,450
PCI Loans	8,604	9,852
Loans Outstanding, Ending Balance	1,620,068	1,647,904
Loans Receivable \| Commercial \| Income producing commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	280	402
Allowance for Credit Losses, Collectively evaluated for impairment	10,846	10,671
Allowance for Credit Losses, PCI	0	0
Allowance for Credit Losses, Ending balance	11,126	11,073	9,776	9,381
Loans Outstanding, Individually evaluated for impairment	14,125	16,584
Loans Outstanding, Collectively evaluated for impairment	1,817,203	1,757,525
PCI Loans	36,097	38,311
Loans Outstanding, Ending Balance	1,867,425	1,812,420
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	36	32
Allowance for Credit Losses, Collectively evaluated for impairment	4,855	4,761
Allowance for Credit Losses, PCI	4	9
Allowance for Credit Losses, Ending balance	4,895	4,802	4,075	3,971
Loans Outstanding, Individually evaluated for impairment	1,701	1,621
Loans Outstanding, Collectively evaluated for impairment	1,281,823	1,276,318
PCI Loans	341	408
Loans Outstanding, Ending Balance	1,283,865	1,278,347
Loans Receivable \| Commercial \| Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	68	71
Allowance for Credit Losses, Collectively evaluated for impairment	10,001	9,974
Allowance for Credit Losses, PCI	206	292
Allowance for Credit Losses, Ending balance	10,275	10,337	10,034	10,523
Loans Outstanding, Individually evaluated for impairment	2,379	2,491
Loans Outstanding, Collectively evaluated for impairment	857,683	787,760
PCI Loans	5,604	5,907
Loans Outstanding, Ending Balance	865,666	796,158
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	5,988	5,045
Allowance for Credit Losses, PCI	243	407
Allowance for Credit Losses, Ending balance	6,231	5,452	2,291	0
Loans Outstanding, Individually evaluated for impairment	0	0
Loans Outstanding, Collectively evaluated for impairment	599,243	556,672
PCI Loans	6,741	7,942
Loans Outstanding, Ending Balance	605,984	564,614
Loans Receivable \| Residential \| Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	63	51
Allowance for Credit Losses, Collectively evaluated for impairment	2,327	2,382
Allowance for Credit Losses, PCI	0	0
Allowance for Credit Losses, Ending balance	2,390	2,433	3,044	2,729
Loans Outstanding, Individually evaluated for impairment	1,340	1,207
Loans Outstanding, Collectively evaluated for impairment	198,787	209,070
PCI Loans	581	734
Loans Outstanding, Ending Balance	200,708	211,011
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	916	861
Allowance for Credit Losses, Collectively evaluated for impairment	7,403	7,410
Allowance for Credit Losses, PCI	26	24
Allowance for Credit Losses, Ending balance	8,345	8,295	10,221	10,097
Loans Outstanding, Individually evaluated for impairment	15,453	14,220
Loans Outstanding, Collectively evaluated for impairment	1,039,582	1,025,862
PCI Loans	8,805	9,150
Loans Outstanding, Ending Balance	1,063,840	1,049,232
Loans Receivable \| Residential \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	1	1
Allowance for Credit Losses, Collectively evaluated for impairment	4,796	4,740
Allowance for Credit Losses, PCI	0	11
Allowance for Credit Losses, Ending balance	4,797	4,752	4,932	5,177
Loans Outstanding, Individually evaluated for impairment	255	276
Loans Outstanding, Collectively evaluated for impairment	682,047	692,122
PCI Loans	1,469	1,612
Loans Outstanding, Ending Balance	683,771	694,010
Loans Receivable \| Consumer direct
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses, Individually evaluated for impairment	5	6
Allowance for Credit Losses, Collectively evaluated for impairment	832	847
Allowance for Credit Losses, PCI	0	0
Allowance for Credit Losses, Ending balance	837	853	$ 733	$ 710
Loans Outstanding, Individually evaluated for impairment	199	211
Loans Outstanding, Collectively evaluated for impairment	120,499	121,269
PCI Loans	476	533
Loans Outstanding, Ending Balance	$ 121,174	$ 122,013

Loans and Leases and Allowance for Credit Losses - Loans individually evaluated for impairment by class of loans (Details) - Loans Receivable - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	$ 24,831	$ 26,829
Unpaid Principal Balance, With an allowance recorded	33,253	32,995
Unpaid Principal Balance	58,084	59,824
Recorded Investment
Recorded Investment, With no related allowance recorded	21,663	23,477
Recorded Investment, With allowance recorded	32,131	31,972
Recorded Investment	53,794	55,449
Allowance for Loan Losses Allocated	2,219	2,312
Indirect auto
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	142	294
Unpaid Principal Balance, With an allowance recorded	975	946
Recorded Investment
Recorded Investment, With no related allowance recorded	130	292
Recorded Investment, With allowance recorded	974	945
Allowance for Loan Losses Allocated	25	26
Commercial
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	17,133	19,846
Unpaid Principal Balance, With an allowance recorded	21,606	21,845
Recorded Investment
Recorded Investment, With no related allowance recorded	14,789	17,304
Recorded Investment, With allowance recorded	20,654	20,994
Allowance for Loan Losses Allocated	1,209	1,367
Commercial \| Owner occupied commercial real estate
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	8,159	8,650
Unpaid Principal Balance, With an allowance recorded	11,191	11,095
Recorded Investment
Recorded Investment, With no related allowance recorded	6,089	6,546
Recorded Investment, With allowance recorded	11,149	11,056
Allowance for Loan Losses Allocated	825	862
Commercial \| Income producing commercial real estate
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	8,333	9,986
Unpaid Principal Balance, With an allowance recorded	6,166	6,968
Recorded Investment
Recorded Investment, With no related allowance recorded	8,227	9,881
Recorded Investment, With allowance recorded	5,898	6,703
Allowance for Loan Losses Allocated	280	402
Commercial \| Commercial & industrial
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	522	525
Unpaid Principal Balance, With an allowance recorded	1,746	1,652
Recorded Investment
Recorded Investment, With no related allowance recorded	360	370
Recorded Investment, With allowance recorded	1,341	1,251
Allowance for Loan Losses Allocated	36	32
Commercial \| Construction
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	119	685
Unpaid Principal Balance, With an allowance recorded	2,503	2,130
Recorded Investment
Recorded Investment, With no related allowance recorded	113	507
Recorded Investment, With allowance recorded	2,266	1,984
Allowance for Loan Losses Allocated	68	71
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
Residential \| Construction
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	753	554
Unpaid Principal Balance, With an allowance recorded	727	791
Recorded Investment
Recorded Investment, With no related allowance recorded	624	428
Recorded Investment, With allowance recorded	716	779
Allowance for Loan Losses Allocated	63	51
Residential \| Residential mortgage
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	6,513	5,787
Unpaid Principal Balance, With an allowance recorded	9,713	9,169
Recorded Investment
Recorded Investment, With no related allowance recorded	5,890	5,202
Recorded Investment, With allowance recorded	9,563	9,018
Allowance for Loan Losses Allocated	916	861
Residential \| Home equity lines of credit
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	275	330
Unpaid Principal Balance, With an allowance recorded	43	45
Recorded Investment
Recorded Investment, With no related allowance recorded	215	234
Recorded Investment, With allowance recorded	40	42
Allowance for Loan Losses Allocated	1	1
Consumer direct
Unpaid Principal Balance
Unpaid Principal Balance, With no related allowance recorded	15	18
Unpaid Principal Balance, With an allowance recorded	189	199
Recorded Investment
Recorded Investment, With no related allowance recorded	15	17
Recorded Investment, With allowance recorded	184	194
Allowance for Loan Losses Allocated	$ 5	$ 6

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
	Mar. 31, 2019	Mar. 31, 2018
Average balances of impaired loans and income recognized on impaired loans
Average Balance	$ 54,328	$ 66,219
Interest Revenue Recognized During Impairment	745	746
Cash Basis Interest Revenue Received	761	810
Indirect auto
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,190	1,378
Interest Revenue Recognized During Impairment	14	18
Cash Basis Interest Revenue Received	14	18
Commercial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	35,765	47,623
Interest Revenue Recognized During Impairment	531	546
Cash Basis Interest Revenue Received	543	609
Commercial \| Owner occupied commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	17,410	24,658
Interest Revenue Recognized During Impairment	285	245
Cash Basis Interest Revenue Received	284	280
Commercial \| Income producing commercial real estate
Average balances of impaired loans and income recognized on impaired loans
Average Balance	14,237	16,433
Interest Revenue Recognized During Impairment	193	210
Cash Basis Interest Revenue Received	207	235
Commercial \| Commercial & industrial
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,716	2,596
Interest Revenue Recognized During Impairment	19	40
Cash Basis Interest Revenue Received	19	42
Commercial \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	2,402	3,936
Interest Revenue Recognized During Impairment	34	51
Cash Basis Interest Revenue Received	33	52
Commercial \| Equipment financing
Average balances of impaired loans and income recognized on impaired loans
Average Balance	0	0
Interest Revenue Recognized During Impairment	0	0
Cash Basis Interest Revenue Received	0	0
Residential \| Construction
Average balances of impaired loans and income recognized on impaired loans
Average Balance	1,408	1,590
Interest Revenue Recognized During Impairment	24	24
Cash Basis Interest Revenue Received	23	24
Residential \| Residential mortgage
Average balances of impaired loans and income recognized on impaired loans
Average Balance	15,502	14,993
Interest Revenue Recognized During Impairment	168	149
Cash Basis Interest Revenue Received	174	150
Residential \| Home equity lines of credit
Average balances of impaired loans and income recognized on impaired loans
Average Balance	258	344
Interest Revenue Recognized During Impairment	4	4
Cash Basis Interest Revenue Received	3	4
Consumer direct
Average balances of impaired loans and income recognized on impaired loans
Average Balance	205	291
Interest Revenue Recognized During Impairment	4	5
Cash Basis Interest Revenue Received	$ 4	$ 5

Loans and Leases and Allowance for Credit Losses - Recorded investment in nonaccrual loans by loan class (Details) - Loans Receivable - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 23,624	$ 23,778
Indirect auto
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	458	726
Commercial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	12,258	12,280
Commercial \| Owner occupied commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	7,030	6,421
Commercial \| Income producing commercial real estate
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,276	1,160
Commercial \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,666	1,417
Commercial \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	473	605
Commercial \| Equipment financing
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	1,813	2,677
Residential \| Residential mortgage
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	8,281	8,035
Residential \| Home equity lines of credit
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	2,233	2,360
Residential \| Construction
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	347	288
Consumer direct
Recorded investment in nonaccrual loans by loan class
Nonaccrual Loans	$ 47	$ 89

Loans and Leases and Allowance for Credit Losses - Aging of recorded investment in past due loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Recorded investment in nonaccrual loans by loan class
Loans Outstanding, Ending Balance	$ 8,493,254	$ 8,383,401
Loans Receivable
Recorded investment in nonaccrual loans by loan class
Loans Past Due	34,518	38,304
Loans Not Past Due	8,390,018	8,270,648
PCI Loans	68,718	74,449
Loans Outstanding, Ending Balance	8,493,254	8,383,401
Loans Receivable \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	19,464	22,405
Loans Receivable \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	5,945	7,765
Loans Receivable \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	9,109	8,134
Loans Receivable \| Indirect auto
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,312	1,706
Loans Not Past Due	179,441	205,986
PCI Loans	0	0
Loans Outstanding, Ending Balance	180,753	207,692
Loans Receivable \| Indirect auto \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	711	750
Loans Receivable \| Indirect auto \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	185	323
Loans Receivable \| Indirect auto \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	416	633
Loans Receivable \| Commercial
Recorded investment in nonaccrual loans by loan class
Loans Past Due	20,551	22,056
Loans Not Past Due	6,165,070	6,014,967
PCI Loans	57,387	62,420
Loans Outstanding, Ending Balance	6,243,008	6,099,443
Loans Receivable \| Commercial \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	10,440	12,973
Loans Receivable \| Commercial \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	3,394	4,645
Loans Receivable \| Commercial \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	6,717	4,438
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Recorded investment in nonaccrual loans by loan class
Loans Past Due	9,114	6,450
Loans Not Past Due	1,602,350	1,631,602
PCI Loans	8,604	9,852
Loans Outstanding, Ending Balance	1,620,068	1,647,904
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	4,644	2,542
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,142	2,897
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	3,328	1,011
Loans Receivable \| Commercial \| Income producing commercial real estate
Recorded investment in nonaccrual loans by loan class
Loans Past Due	2,030	2,216
Loans Not Past Due	1,829,298	1,771,893
PCI Loans	36,097	38,311
Loans Outstanding, Ending Balance	1,867,425	1,812,420
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,199	1,624
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	125	291
Loans Receivable \| Commercial \| Income producing commercial real estate \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	706	301
Loans Receivable \| Commercial \| Commercial & industrial
Recorded investment in nonaccrual loans by loan class
Loans Past Due	4,376	8,307
Loans Not Past Due	1,279,148	1,269,632
PCI Loans	341	408
Loans Outstanding, Ending Balance	1,283,865	1,278,347
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	2,649	7,189
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	790	718
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	937	400
Loans Receivable \| Commercial \| Construction
Recorded investment in nonaccrual loans by loan class
Loans Past Due	606	335
Loans Not Past Due	859,456	789,916
PCI Loans	5,604	5,907
Loans Outstanding, Ending Balance	865,666	796,158
Loans Receivable \| Commercial \| Construction \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	139	267
Loans Receivable \| Commercial \| Construction \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	443	0
Loans Receivable \| Commercial \| Construction \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	24	68
Loans Receivable \| Commercial \| Equipment financing
Recorded investment in nonaccrual loans by loan class
Loans Past Due	4,425	4,748
Loans Not Past Due	594,818	551,924
PCI Loans	6,741	7,942
Loans Outstanding, Ending Balance	605,984	564,614
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,809	1,351
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	894	739
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,722	2,658
Loans Receivable \| Residential \| Construction
Recorded investment in nonaccrual loans by loan class
Loans Past Due	860	762
Loans Not Past Due	199,267	209,515
PCI Loans	581	734
Loans Outstanding, Ending Balance	200,708	211,011
Loans Receivable \| Residential \| Construction \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	574	509
Loans Receivable \| Residential \| Construction \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	132	63
Loans Receivable \| Residential \| Construction \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	154	190
Loans Receivable \| Residential \| Residential mortgage
Recorded investment in nonaccrual loans by loan class
Loans Past Due	7,665	9,199
Loans Not Past Due	1,047,370	1,030,883
PCI Loans	8,805	9,150
Loans Outstanding, Ending Balance	1,063,840	1,049,232
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	4,862	5,461
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,511	1,788
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	1,292	1,950
Loans Receivable \| Residential \| Home equity lines of credit
Recorded investment in nonaccrual loans by loan class
Loans Past Due	3,517	3,878
Loans Not Past Due	678,785	688,520
PCI Loans	1,469	1,612
Loans Outstanding, Ending Balance	683,771	694,010
Loans Receivable \| Residential \| Home equity lines of credit \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	2,355	2,112
Loans Receivable \| Residential \| Home equity lines of credit \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	634	864
Loans Receivable \| Residential \| Home equity lines of credit \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	528	902
Loans Receivable \| Consumer direct
Recorded investment in nonaccrual loans by loan class
Loans Past Due	613	703
Loans Not Past Due	120,085	120,777
PCI Loans	476	533
Loans Outstanding, Ending Balance	121,174	122,013
Loans Receivable \| Consumer direct \| Loans Past Due, 30 - 59 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	522	600
Loans Receivable \| Consumer direct \| Loans Past Due, 60 - 89 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	89	82
Loans Receivable \| Consumer direct \| Loans Past Due, > 90 Days
Recorded investment in nonaccrual loans by loan class
Loans Past Due	$ 2	$ 21

Reclassifications Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	$ (267)	$ (940)
Money market deposit interest expense	(4,205)	(2,175)
Salaries and employee benefits expense	(47,503)	(42,875)
Other expense	(7,627)	(6,731)
Income tax benefit	(12,956)	(10,748)
Net of tax	43,947	37,381
Reclassifications Out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(469)	(1,165)
Reclassifications Out of Accumulated Other Comprehensive Income \| Realized losses on available-for-sale securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities losses, net	(267)	(940)
Income tax benefit	68	221
Net of tax	(199)	(719)
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	(84)	(222)
Income tax benefit	20	54
Net of tax	(64)	(168)
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	(102)	(147)
Income tax benefit	26	38
Net of tax	(76)	(109)
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	(159)	(167)
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)
Other expense	(15)	0
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	(174)	(227)
Income tax benefit	44	58
Net of tax	$ (130)	$ (169)

Earnings Per Share - Computation of basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Computation of basic and diluted earnings per share
Net income	$ 44,262	$ 37,658
Dividends and undistributed earnings allocated to unvested shares	(315)	(277)
Net income available to common shareholders	$ 43,947	$ 37,381
Weighted average shares outstanding:
Basic (in shares)	79,807	79,205
Effect of dilutive securities
Diluted (in shares)	79,813	79,215
Net income per common share:
Basic (in dollars per share)	$ 0.55	$ 0.47
Diluted (in dollars per share)	$ 0.55	$ 0.47
Employee Stock Option
Effect of dilutive securities
Stock options (in shares)	3	10
Restricted Stock Units
Effect of dilutive securities
Stock options (in shares)	3	0

Earnings Per Share - Narrative (Details) - $ / shares	3 Months Ended
Earnings Per Share - Narrative (Details) - $ / shares	Mar. 31, 2019	Mar. 31, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Exercise price of warrants (in dollars per share)		$ 61.4
Stock Options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation (in shares)	31,812	32,464
Weighted average exercise price of stock options (in dollars per share)	$ 31.47	$ 31.50
Warrant
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation (in shares)		219,909

Derivatives and Hedging Activities - Derivatives designated as hedging instruments under ASC 815 (Details) - Designated as Hedging Instrument - Fair value hedging - Derivative liabilities - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, liability derivatives, fair value	$ 1,251	$ 1,682
Brokered CD's
Derivatives, Fair Value [Line Items]
Derivatives accounted for as hedges, liability derivatives, fair value	$ 1,251	$ 1,682

Derivatives and Hedging Activities - Derivatives not designated as hedging instruments under ASC 815 (Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Derivative assets
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	$ 25,924	$ 24,705
Derivative assets \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	12,658	5,216
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	3,691	7,620
Derivative assets \| Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	1,796	1,190
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	14	28
Derivative assets \| Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, assets at fair value	7,765	10,651
Derivative liabilities
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	17,538	24,751
Derivative liabilities \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	4,118	9,661
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	2,744	781
Derivative liabilities \| Risk participations
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	6	8
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	483	259
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	10,187	13,339
Derivative liabilities \| De-designated hedges
Derivatives, Fair Value [Line Items]
Interest rate derivative instruments not designated as hedging instruments, liabilities at fair value	$ 0	$ 703

Derivatives and Hedging Activities - Narrative (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($) contract	Mar. 31, 2018 USD ($)	Dec. 31, 2018 USD ($) contract
Derivative Instruments, Gain (Loss) [Line Items]
Collateral pledged toward derivatives	$ 11,900
Brokered deposits
Derivative Instruments, Gain (Loss) [Line Items]
Carrying value of hedged deposits	36,000
Cumulative fair value hedging adjustments	1,380
Cash flow hedging \| Interest Rate Risk
Derivative Instruments, Gain (Loss) [Line Items]
Increase to deposit interest expense over next twelve months	118
Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Recognized net losses related to ineffectiveness of hedging relationships	11
Recognized net losses related to ineffectiveness of hedging relationships		$ 79
Fair value hedging of interest rate risk \| Interest expense
Derivative Instruments, Gain (Loss) [Line Items]
Net increase (reduction) in interest expense and net increase (reduction) in interest revenue	$ 101	14
Fair value hedging of interest rate risk \| Interest revenue
Derivative Instruments, Gain (Loss) [Line Items]
Net increase (reduction) in interest expense and net increase (reduction) in interest revenue		$ 17
Interest rate swaps \| Fair value hedging of interest rate risk
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| contract	4		4
Total notional amount designated as fair flow hedges	$ 38,000		$ 39,000
Not designated as hedging instrument, economic hedge \| Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative contracts outstanding \| contract	3

Derivatives and Hedging Activities - Derivatives in fair value hedging relationships (Details) - Fair value hedging - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Effect of fair value hedging derivative financial instruments on the consolidated statement of operations
Amount of Gain (Loss) Recognized in Income on Derivative	$ 451	$ (1,029)
Amount of Gain (Loss) Recognized in Income on Hedged Item	(462)	950
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	451	(693)
Amount of Gain (Loss) Recognized in Income on Hedged Item	(462)	545
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	(336)
Amount of Gain (Loss) Recognized in Income on Hedged Item	$ 0	$ 405

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
	Mar. 31, 2019	Mar. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 340	$ 2,613
Customer derivatives and dealer offsets \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	503	772
Bifurcated embedded derivatives and dealer offsets \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	218	370
Interest rate caps \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	0	276
De-designated hedges \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	(193)	(67)
Mortgage banking derivatives \| Mortgage loan revenue
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	(190)	1,264
Risk participations \| Other noninterest income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 2	$ (2)

Stock-Based Compensation - Narrative (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
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 (in shares)	1,530,000
Stock options granted (in shares)	0	0
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 0	$ 6,000
Unrecognized compensation expense	0
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense	$ 15,700,000
Recognition period for unrecognized compensation expense	2 years 4 months 18 days
Stock Options and Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Income tax benefit related to expense for share-based awards	$ 507,000	296,000
Employees \| Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	1,910,000	1,070,000
Directors \| Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 72,000	$ 68,000

Stock-Based Compensation - Stock option activity (Details) - Stock Options $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($) $ / shares shares
Shares
Outstanding, beginning balance (in shares) \| shares	47,139
Exercised (in shares) \| shares	(12,000)
Cancelled/Forfeited (in shares) \| shares	(504)
Expired (in shares) \| shares	(1,023)
Outstanding, ending balance (in shares) \| shares	33,612
Exercisable (in shares) \| shares	33,612
Weighted- Average Exercise Price
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 27.07
Exercised (in dollars per share) \| $ / shares	16.44
Cancelled/Forfeited (in dollars per share) \| $ / shares	31.50
Expired (in dollars per share) \| $ / shares	29.45
Outstanding, ending balance (in dollars per share) \| $ / shares	30.72
Exercisable (in dollars per share) \| $ / shares	$ 30.72
Weighted-Average Remaining Contractual Term (Years), Outstanding	4 months 24 days
Weighted-Average Remaining Contractual Term (Years), Exercisable	4 months 24 days
Aggregate Intrinsic Value, Outstanding \| $	$ 13
Aggregate Intrinsic Value, Exercisable \| $	$ 13

Stock-Based Compensation - Restricted stock unit activity (Details) - Restricted Stock Units $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($) $ / shares shares
Shares
Outstanding, beginning balance (in shares) \| shares	759,746
Granted (in shares) \| shares	37,994
Vested (in shares) \| shares	(46,628)
Cancelled (in shares) \| shares	(14,284)
Outstanding, ending balance (in shares) \| shares	736,828
Weighted- Average Grant- Date Fair Value
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 27.66
Granted (in dollars per share) \| $ / shares	25.67
Vested (in dollars per share) \| $ / shares	25.72
Cancelled (in dollars per share) \| $ / shares	25.30
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 27.72
Weighted-Average Remaining Contractual Term (Years), Outstanding	4 years 2 months 14 days
Aggregate Intrinsic Value, Vested \| $	$ 1,322
Aggregate Intrinsic Value, Outstanding \| $	$ 18,369

Common Stock (Details) - USD ($)	1 Months Ended	3 Months Ended
Common Stock (Details) - USD ($)	Nov. 30, 2018	Mar. 31, 2019	Mar. 31, 2018
Equity [Abstract]
Repurchase program expiration date	Dec. 31, 2019
Repurchase program authorized amount		$ 50,000,000
Shares repurchased (in shares)		305,052	0
Repurchase program remaining authorization		$ 42,200,000

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income tax provision	$ 12,956	$ 10,748
Effective tax rate (percent)	22.60%	22.20%
Valuation allowance on deferred tax assets	$ 3,370		$ 3,370
Net deferred tax asset realized based upon future taxable income	51,100
Unrecognized income tax benefits	$ 3,390		$ 3,260

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on recurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets:
Debt securities available for sale	$ 2,454,625	$ 2,628,467
Mortgage loans held for sale	26,300	18,900
Derivative financial instruments	25,924	24,705
Liabilities:
Derivative financial instruments	18,789	26,433
U.S. Treasuries
Assets:
Debt securities available for sale	141,855	149,307
State and political subdivisions
Assets:
Debt securities available for sale	222,180	233,941
Residential mortgage-backed securities
Assets:
Debt securities available for sale	1,414,085	1,445,910
Commercial mortgage-backed securities
Assets:
Debt securities available for sale	343,339	391,917
Corporate bonds
Assets:
Debt securities available for sale	200,676	199,163
Asset-backed securities
Assets:
Debt securities available for sale	127,389	182,676
Recurring
Assets:
Mortgage loans held for sale	26,341	18,935
Deferred compensation plan assets	7,129	6,404
Servicing rights for SBA/USDA loans	7,401	7,510
Residential mortgage servicing rights	11,447	11,877
Derivative financial instruments	25,924	24,705
Total assets	2,533,777	2,698,974
Liabilities:
Deferred compensation plan liability	7,129	6,404
Derivative financial instruments	18,789	26,433
Total liabilities	25,918	32,837
Recurring \| U.S. Treasuries
Assets:
Debt securities available for sale	141,855	149,307
Recurring \| U.S. Government agencies
Assets:
Debt securities available for sale	5,101	25,553
Recurring \| State and political subdivisions
Assets:
Debt securities available for sale	222,180	233,941
Recurring \| Residential mortgage-backed securities
Assets:
Debt securities available for sale	1,414,085	1,445,910
Recurring \| Commercial mortgage-backed securities
Assets:
Debt securities available for sale	343,339	391,917
Recurring \| Corporate bonds
Assets:
Debt securities available for sale	200,676	199,163
Recurring \| Asset-backed securities
Assets:
Debt securities available for sale	127,389	182,676
Recurring \| Equity securities with readily available fair values
Assets:
Debt securities available for sale	910	1,076
Recurring \| Level 1
Assets:
Mortgage loans held for sale	0	0
Deferred compensation plan assets	7,129	6,404
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	0	0
Total assets	149,894	156,787
Liabilities:
Deferred compensation plan liability	7,129	6,404
Derivative financial instruments	0	0
Total liabilities	7,129	6,404
Recurring \| Level 1 \| U.S. Treasuries
Assets:
Debt securities available for sale	141,855	149,307
Recurring \| Level 1 \| U.S. Government agencies
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| State and political subdivisions
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| Residential mortgage-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| Commercial mortgage-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| Corporate bonds
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| Asset-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 1 \| Equity securities with readily available fair values
Assets:
Debt securities available for sale	910	1,076
Recurring \| Level 2
Assets:
Mortgage loans held for sale	26,341	18,935
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	0	0
Residential mortgage servicing rights	0	0
Derivative financial instruments	16,363	12,864
Total assets	2,354,479	2,509,964
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	7,345	10,701
Total liabilities	7,345	10,701
Recurring \| Level 2 \| U.S. Treasuries
Assets:
Debt securities available for sale	0	0
Recurring \| Level 2 \| U.S. Government agencies
Assets:
Debt securities available for sale	5,101	25,553
Recurring \| Level 2 \| State and political subdivisions
Assets:
Debt securities available for sale	222,180	233,941
Recurring \| Level 2 \| Residential mortgage-backed securities
Assets:
Debt securities available for sale	1,414,085	1,445,910
Recurring \| Level 2 \| Commercial mortgage-backed securities
Assets:
Debt securities available for sale	343,339	391,917
Recurring \| Level 2 \| Corporate bonds
Assets:
Debt securities available for sale	199,681	198,168
Recurring \| Level 2 \| Asset-backed securities
Assets:
Debt securities available for sale	127,389	182,676
Recurring \| Level 2 \| Equity securities with readily available fair values
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3
Assets:
Mortgage loans held for sale	0	0
Deferred compensation plan assets	0	0
Servicing rights for SBA/USDA loans	7,401	7,510
Residential mortgage servicing rights	11,447	11,877
Derivative financial instruments	9,561	11,841
Total assets	29,404	32,223
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	11,444	15,732
Total liabilities	11,444	15,732
Recurring \| Level 3 \| U.S. Treasuries
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| U.S. Government agencies
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| State and political subdivisions
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| Residential mortgage-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| Commercial mortgage-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| Corporate bonds
Assets:
Debt securities available for sale	995	995
Recurring \| Level 3 \| Asset-backed securities
Assets:
Debt securities available for sale	0	0
Recurring \| Level 3 \| Equity securities with readily available fair values
Assets:
Debt securities available for sale	$ 0	$ 0

Assets and Liabilities Measured at Fair Value - Reconciliation for measurements at fair value on a recurring basis using significant unobservable inputs (Details) - Recurring - Level 3 - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Derivative Asset
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	$ 11,841	$ 12,207
Business combinations		0
Additions	0	0
Sales and settlements	(1,135)	(1,029)
Amounts included in earnings - fair value adjustments	(1,145)	2,699
Balance at end of period	9,561	13,877
Servicing rights for SBA/USDA loans
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	7,510	7,740
Business combinations		(354)
Additions	375	479
Sales and settlements	(363)	(91)
Amounts included in earnings - fair value adjustments	(121)	(304)
Balance at end of period	7,401	7,470
Residential mortgage servicing rights
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	11,877	8,262
Business combinations		0
Additions	863	926
Sales and settlements	(150)	(80)
Amounts included in earnings - fair value adjustments	(1,143)	610
Balance at end of period	11,447	9,718
Debt Securities Available-for-Sale
Reconciliation of Assets at Level 3 Measurement
Balance at beginning of period	995	900
Business combinations		0
Additions	0	0
Sales and settlements	0	0
Amounts included in earnings - fair value adjustments	0	0
Balance at end of period	995	900
Derivative Liability
Reconciliation of Liabilities at Level 3 Measurement
Balance at beginning of period	15,732	16,744
Business combinations		0
Additions	0	0
Sales and settlements	(2,330)	(1,347)
Amounts included in earnings - fair value adjustments	(1,958)	2,391
Balance at end of period	$ 11,444	$ 17,788

Assets and Liabilities Measured at Fair Value - Quantitative information about Level 3 fair value measurements for fair value on recurring basis (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($)	Dec. 31, 2018 USD ($)
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Debt securities available for sale	$ 2,454,625	$ 2,628,467
Derivative assets	25,924	24,705
Derivative liabilities	18,789	26,433
Recurring
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans	7,401	7,510
Residential mortgage servicing rights	11,447	11,877
Derivative assets	25,924	24,705
Derivative liabilities	18,789	26,433
Recurring \| Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans	7,401	7,510
Residential mortgage servicing rights	11,447	11,877
Derivative assets	9,561	11,841
Derivative liabilities	11,444	15,732
Recurring \| Level 3 \| Servicing rights for SBA/USDA loans
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans	$ 7,401	$ 7,510
Valuation technique	Discounted cash flow
Recurring \| Level 3 \| Servicing rights for SBA/USDA loans \| Discount Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.136	0.145
Recurring \| Level 3 \| Servicing rights for SBA/USDA loans \| Prepayment Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Servicing rights for SBA/USDA loans, measurement input	0.125	0.121
Recurring \| Level 3 \| Residential mortgage servicing rights
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Residential mortgage servicing rights	$ 11,447	$ 11,877
Valuation technique	Discounted cash flow
Recurring \| Level 3 \| Residential mortgage servicing rights \| Discount Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.100	0.100
Recurring \| Level 3 \| Residential mortgage servicing rights \| Prepayment Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Residential mortgage servicing rights, measurement input	0.128	0.106
Recurring \| Level 3 \| Corporate bonds
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Debt securities available for sale	$ 995	$ 995
Valuation technique	Indicative bid provided by a broker
Recurring \| Level 3 \| Derivative assets - mortgage
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative assets	$ 1,796	$ 1,190
Valuation technique	Internal model
Recurring \| Level 3 \| Derivative assets - mortgage \| Pull Through Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative assets, measurement input	0.789	0.807
Recurring \| Level 3 \| Derivative assets - other
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative assets	$ 7,765	$ 10,651
Valuation technique	Dealer priced
Recurring \| Level 3 \| Derivative liabilities - risk participations
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative liabilities	$ 6	$ 8
Valuation technique	Internal model
Recurring \| Level 3 \| Derivative liabilities - risk participations \| Probable Exposure Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative liabilities, measurement input	0.0037	0.0044
Recurring \| Level 3 \| Derivative liabilities - risk participations \| Probability of Default Rate \| Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative liabilities, measurement input	0.0180	0.0180
Recurring \| Level 3 \| Derivative liabilities - other
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Derivative liabilities	$ 11,438	$ 15,724
Valuation technique	Dealer priced

Assets and Liabilities Measured at Fair Value - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Mortgage loans held for sale	$ 26,300		$ 18,900
Mortgage loans held for sale outstanding principal balance	25,300		$ 18,200
Net gains (losses) from changes in fair value of loans	$ 306	$ (72)

Assets and Liabilities Measured at Fair Value - Assets and liabilities measured at fair value on nonrecurring basis (Details) - Nonrecurring - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 1,286	$ 8,631
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	$ 1,286	$ 8,631

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	Mar. 31, 2019	Dec. 31, 2018
Assets:
Securities held to maturity	$ 265,117	$ 268,803
Carrying Amount
Assets:
Securities held to maturity	265,329	274,407
Loans and leases, net	8,431,612	8,322,198
Liabilities:
Deposits	10,534,306	10,534,513
Federal Home Loan Bank advances	40,000	160,000
Long-term debt	257,259	267,189
Fair Value
Assets:
Securities held to maturity	265,117	268,803
Loans and leases, net	8,401,018	8,277,387
Liabilities:
Deposits	10,527,436	10,528,834
Federal Home Loan Bank advances	39,998	159,988
Long-term debt	266,468	278,996
Fair Value \| Level 1
Assets:
Securities held to maturity	0	0
Loans and leases, net	0	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	265,117	268,803
Loans and leases, net	0	0
Liabilities:
Deposits	10,527,436	10,528,834
Federal Home Loan Bank advances	39,998	159,988
Long-term debt	0	0
Fair Value \| Level 3
Assets:
Securities held to maturity	0	0
Loans and leases, net	8,401,018	8,277,387
Liabilities:
Deposits	0	0
Federal Home Loan Bank advances	0	0
Long-term debt	$ 266,468	$ 278,996

Commitments and Contingencies - Contractual amount of off-balance sheet instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 2,053,155	$ 2,129,463
Letters of credit
Financial instruments whose contract amounts represent credit risk:
Financial instruments	$ 26,867	$ 25,447

Commitments and Contingencies - Narrative (Details) $ in Thousands	Mar. 31, 2019 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Commitment for additional fund	$ 7,930

Operating Leases - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Leases [Abstract]
Right-of-use asset	$ 22,700
Lease liability	$ 25,200
Operating lease, weighted average remaining lease term (in years)	6 years 10 days
Operating lease, weighted average discount rate (percent)	2.80%
Rent Commitments Under Operating Leases Under Topic ASC 840
2019		$ 5,350
2020		5,160
2021		4,910
2022		4,480
2023		3,910
Thereafter		$ 5,040

Operating Leases - Operating lease income and expense and other supplemental information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($)
Operating Lease Income and Expense
Operating lease cost	$ 1,258
Variable lease cost	111
Short-term lease cost	19
Sublease income	(149)
Net lease cost	1,239
Rental income from owned properties under operating leases	216
Operating cash flows from operating leases	$ 1,348

Operating Leases - Future Minimum Lease Payments (Details) $ in Thousands	Mar. 31, 2019 USD ($)
Future Minimum Lease Payments
Remainder of 2019	$ 3,627
2020	5,253
2021	4,983
2022	4,553
2023	3,979
Thereafter	5,092
Total	27,487
Less discount	(2,287)
Present value of lease liability	$ 25,200

Subsequent Events - Narrative (Details) $ in Thousands	May 01, 2019 USD ($)	Mar. 31, 2019 USD ($) branch	Dec. 31, 2018 USD ($)
Subsequent Event [Line Items]
Total assets		$ 12,505,827	$ 12,573,192
Deposits		$ 10,534,306	$ 10,534,513
First Madison Bank and Trust
Subsequent Event [Line Items]
Number of banking offices \| branch		4
Total assets		$ 244,000
Loans		199,000
Deposits		$ 213,000
Subsequent Event \| First Madison Bank and Trust
Subsequent Event [Line Items]
Cash payments for acquisition	$ 52,100

Label	Element	Value
Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (549,000)

Loans and Leases and Allowance for Credit Losses - Loans modified under terms of TDR (Details) - Loans Receivable $ in Thousands	3 Months Ended
	Mar. 31, 2019 USD ($) contract	Mar. 31, 2018 USD ($) contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	10	6
Pre-modification Outstanding Recorded Investment	$ 587	$ 1,415
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 577	$ 1,323
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 1,586
Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	513	1,323
Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 64	$ 0
Indirect auto
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	6	0
Pre-modification Outstanding Recorded Investment	$ 66	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 57	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Indirect auto \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Indirect auto \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Indirect auto \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 57	$ 0
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	2	4
Pre-modification Outstanding Recorded Investment	$ 176	$ 1,075
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 176	$ 983
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 1,586
Commercial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	169	983
Commercial \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 7	$ 0
Commercial \| Owner occupied commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	3
Pre-modification Outstanding Recorded Investment	$ 0	$ 994
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 978
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	2
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 1,586
Commercial \| Owner occupied commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Owner occupied commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	978
Commercial \| Owner occupied commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Commercial \| Income producing commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	1	0
Pre-modification Outstanding Recorded Investment	$ 169	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 169	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Commercial \| Income producing commercial real estate \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Income producing commercial real estate \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	169	0
Commercial \| Income producing commercial real estate \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Commercial \| Commercial & industrial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	1	1
Pre-modification Outstanding Recorded Investment	$ 7	$ 81
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 7	$ 5
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Commercial \| Commercial & industrial \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Commercial & industrial \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	5
Commercial \| Commercial & industrial \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 7	$ 0
Commercial \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Commercial \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Commercial \| Equipment financing
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Commercial \| Equipment financing \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Equipment financing \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Commercial \| Equipment financing \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Residential \| Construction
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Residential \| Construction \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Residential \| Construction \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Residential \| Construction \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Residential \| Residential mortgage
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	2	2
Pre-modification Outstanding Recorded Investment	$ 345	$ 340
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 344	$ 340
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Residential \| Residential mortgage \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Residential \| Residential mortgage \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	344	340
Residential \| Residential mortgage \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Residential \| Home equity lines of credit
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Residential \| Home equity lines of credit \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Residential \| Home equity lines of credit \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Residential \| Home equity lines of credit \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Consumer direct
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	0	0
Pre-modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Number of Contracts \| contract	0	0
Modified Within the Previous Twelve Months that Have Subsequently Defaulted, Recorded Investment	$ 0	$ 0
Consumer direct \| Rate Reduction
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Consumer direct \| Structure
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	0	0
Consumer direct \| Other
Financing Receivable, Modifications [Line Items]
Post-Modification Outstanding Recorded Investment by Type of Modification	$ 0	$ 0

Loans and Leases and Allowance for Credit Losses - Risk category of loans by class of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Risk category of loans by class of loans
Total loans	$ 8,493,254	$ 8,383,401
Pass
Risk category of loans by class of loans
Total loans	8,310,704	8,201,872
Watch
Risk category of loans by class of loans
Total loans	68,721	66,969
Substandard
Risk category of loans by class of loans
Total loans	113,829	114,560
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	8,424,536	8,308,952
PCI Loans	68,718	74,449
Total loans	8,493,254	8,383,401
Loans Receivable \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	8,264,973	8,154,010
PCI Loans	45,731	47,862
Loans Receivable \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	54,343	50,556
PCI Loans	14,378	16,413
Loans Receivable \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	105,220	104,386
PCI Loans	8,609	10,174
Loans Receivable \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Indirect auto
Risk category of loans by class of loans
Total loans, excluding PCI loans	180,753	207,692
PCI Loans	0	0
Total loans	180,753	207,692
Loans Receivable \| Indirect auto \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	178,740	205,632
PCI Loans	0	0
Loans Receivable \| Indirect auto \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Indirect auto \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	2,013	2,060
PCI Loans	0	0
Loans Receivable \| Indirect auto \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Commercial
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,185,621	6,037,023
PCI Loans	57,387	62,420
Total loans	6,243,008	6,099,443
Loans Receivable \| Commercial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,044,173	5,900,234
PCI Loans	36,887	38,276
Loans Receivable \| Commercial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	54,343	50,537
PCI Loans	14,378	16,413
Loans Receivable \| Commercial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	87,105	86,252
PCI Loans	6,122	7,731
Loans Receivable \| Commercial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Commercial \| Owner occupied commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,611,464	1,638,052
PCI Loans	8,604	9,852
Total loans	1,620,068	1,647,904
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,557,510	1,585,797
PCI Loans	2,803	3,352
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	17,511	16,651
PCI Loans	2,781	2,774
Loans Receivable \| Commercial \| Owner occupied commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	36,443	35,604
PCI Loans	3,020	3,726
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
PCI Loans	0	0
Loans Receivable \| Commercial \| Income producing commercial real estate
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,831,328	1,774,109
PCI Loans	36,097	38,311
Total loans	1,867,425	1,812,420
Loans Receivable \| Commercial \| Income producing commercial real estate \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,789,063	1,735,456
PCI Loans	23,872	23,430
Loans Receivable \| Commercial \| Income producing commercial real estate \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	22,548	20,923
PCI Loans	11,389	13,403
Loans Receivable \| Commercial \| Income producing commercial real estate \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	19,717	17,730
PCI Loans	836	1,478
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
PCI Loans	0	0
Loans Receivable \| Commercial \| Commercial & industrial
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,283,524	1,277,939
PCI Loans	341	408
Total loans	1,283,865	1,278,347
Loans Receivable \| Commercial \| Commercial & industrial \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,253,268	1,247,206
PCI Loans	246	266
Loans Receivable \| Commercial \| Commercial & industrial \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	7,517	8,430
PCI Loans	43	48
Loans Receivable \| Commercial \| Commercial & industrial \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	22,739	22,303
PCI Loans	52	94
Loans Receivable \| Commercial \| Commercial & industrial \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Commercial \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	860,062	790,251
PCI Loans	5,604	5,907
Total loans	865,666	796,158
Loans Receivable \| Commercial \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	846,902	777,780
PCI Loans	3,340	3,503
Loans Receivable \| Commercial \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,767	4,533
PCI Loans	165	188
Loans Receivable \| Commercial \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	6,393	7,938
PCI Loans	2,099	2,216
Loans Receivable \| Commercial \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Commercial \| Equipment financing
Risk category of loans by class of loans
Total loans, excluding PCI loans	599,243	556,672
PCI Loans	6,741	7,942
Total loans	605,984	564,614
Loans Receivable \| Commercial \| Equipment financing \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	597,430	553,995
PCI Loans	6,626	7,725
Loans Receivable \| Commercial \| Equipment financing \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Commercial \| Equipment financing \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,813	2,677
PCI Loans	115	217
Loans Receivable \| Commercial \| Equipment financing \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Construction
Risk category of loans by class of loans
Total loans, excluding PCI loans	200,127	210,277
PCI Loans	581	734
Total loans	200,708	211,011
Loans Receivable \| Residential \| Construction \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	199,570	209,744
PCI Loans	542	687
Loans Receivable \| Residential \| Construction \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Construction \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	557	533
PCI Loans	39	47
Loans Receivable \| Residential \| Construction \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Residential mortgage
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,055,035	1,040,082
PCI Loans	8,805	9,150
Total loans	1,063,840	1,049,232
Loans Receivable \| Residential \| Residential mortgage \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	1,043,447	1,028,660
PCI Loans	6,512	6,914
Loans Receivable \| Residential \| Residential mortgage \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Residential mortgage \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	11,588	11,422
PCI Loans	2,293	2,236
Loans Receivable \| Residential \| Residential mortgage \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Home equity lines of credit
Risk category of loans by class of loans
Total loans, excluding PCI loans	682,302	692,398
PCI Loans	1,469	1,612
Total loans	683,771	694,010
Loans Receivable \| Residential \| Home equity lines of credit \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	678,578	688,493
PCI Loans	1,350	1,492
Loans Receivable \| Residential \| Home equity lines of credit \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Residential \| Home equity lines of credit \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	3,724	3,905
PCI Loans	119	120
Loans Receivable \| Residential \| Home equity lines of credit \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	0	0
Loans Receivable \| Consumer direct
Risk category of loans by class of loans
Total loans, excluding PCI loans	120,698	121,480
PCI Loans	476	533
Total loans	121,174	122,013
Loans Receivable \| Consumer direct \| Pass
Risk category of loans by class of loans
Total loans, excluding PCI loans	120,465	121,247
PCI Loans	440	493
Loans Receivable \| Consumer direct \| Watch
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	19
PCI Loans	0	0
Loans Receivable \| Consumer direct \| Substandard
Risk category of loans by class of loans
Total loans, excluding PCI loans	233	214
PCI Loans	36	40
Loans Receivable \| Consumer direct \| Doubtful / Loss
Risk category of loans by class of loans
Total loans, excluding PCI loans	0	0
PCI Loans	$ 0	$ 0