BOK FINANCIAL CORP ET AL, 10-Q filed on 10/31/2017
Quarterly Report
v3.8.0.1
Document And Entity Information - USD ($)
9 Months Ended
Sep. 30, 2017
Jun. 30, 2017
Document and Entity Information [Abstract]    
Entity Registrant Name BOK FINANCIAL CORP ET AL  
Entity Central Index Key 0000875357  
Current Fiscal Year End Date --12-31  
Entity Well-known Seasoned Issuer Yes  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Filer Category Large Accelerated Filer  
Entity Public Float   $ 2,096,658,923
Entity Common Stock, Shares Outstanding 65,456,786  
Document Fiscal Year Focus 2017  
Document Fiscal Period Focus Q3  
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Sep. 30, 2017  
v3.8.0.1
Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Interest revenue [Abstract]        
Loans $ 184,200 $ 146,840 $ 514,047 $ 427,512
Residential mortgage loans held for sale 2,095 3,615 6,317 9,823
Trading securities 3,975 2,996 12,497 4,136
Investment securities 3,951 4,132 12,127 12,736
Available for sale securities 44,925 43,042 131,660 132,381
Fair value option securities 5,066 1,531 10,985 6,182
Restricted equity securities 4,826 4,510 13,534 12,684
Interest-bearing cash and cash equivalents 6,375 2,651 15,817 7,926
Total interest revenue 255,413 209,317 716,984 613,380
Interest expense [Abstract]        
Deposits 14,530 9,812 38,506 30,351
Borrowed funds 20,361 9,191 47,542 25,943
Subordinated debentures 2,070 2,468 6,098 4,056
Total interest expense 36,961 21,471 92,146 60,350
Net interest revenue 218,452 187,846 624,838 553,030
Provision for credit losses 0 10,000 0 65,000
Net interest revenue after provision for credit losses 218,452 177,846 624,838 488,030
Other operating revenue [Abstract]        
Brokerage and trading revenue 33,169 38,006 98,556 109,877
Transaction card revenue 37,826 33,933 105,249 101,237
Fiduciary and asset management revenue 40,687 34,073 121,126 100,942
Deposit service charges and fees 23,209 23,668 69,593 68,828
Mortgage banking revenue 24,890 38,516 80,357 105,500
Other revenue 13,670 13,080 40,406 38,336
Total fees and commissions 173,451 181,276 515,287 524,720
Other gains, net (1,283) 2,442 8,452 5,309
Gain on derivatives, net 1,033 2,226 3,824 20,130
Gain (loss) on fair value option securities, net 661 (3,355) 1,505 10,367
Change in fair value of mortgage servicing rights (639) 2,327 (5,726) (41,944)
Gain on available for sale securities, net 2,487 2,394 4,916 11,684
Total other operating revenue 175,710 187,310 528,258 530,266
Other operating expense [Abstract]        
Personnel 147,910 139,212 428,079 411,987
Business promotion 7,105 6,839 21,560 19,238
Professional fees and services 11,887 14,038 35,723 39,955
Net occupancy and equipment 21,325 20,111 64,074 58,554
Insurance 6,005 9,390 13,098 23,784
Data processing and communications 37,327 33,331 108,559 98,150
Printing, postage and supplies 3,917 3,790 11,908 11,586
Net losses (gains) and operating expenses of repossessed assets 6,071 (926) 9,347 1,732
Amortization of intangible assets 1,744 1,521 5,349 5,304
Mortgage banking costs 13,450 15,963 38,525 44,039
Other expense 9,193 14,819 25,308 37,714
Total other operating expense 265,934 258,088 761,530 752,043
Net income before taxes 128,228 107,068 391,566 266,253
Federal and state income taxes 42,438 31,956 128,246 83,881
Net income 85,790 75,112 263,320 182,372
Net income (loss) attributable to non-controlling interests 141 835 1,168 (270)
Net income attributable to BOK Financial Corporation shareholders $ 85,649 $ 74,277 $ 262,152 $ 182,642
Earnings per share: [Abstract]        
Basic $ 1.31 $ 1.13 $ 4.01 $ 2.77
Diluted $ 1.31 $ 1.13 $ 4.00 $ 2.76
Average shares used in computation: [Abstract]        
Basic 64,742,822 65,085,392 64,729,391 65,208,774
Diluted 64,805,172 65,157,841 64,793,893 65,263,566
Dividends declared per share $ 0.44 $ 0.43 $ 1.32 $ 1.29
v3.8.0.1
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Statement of Comprehensive Income [Abstract]        
Net income $ 85,790 $ 75,112 $ 263,320 $ 182,372
Other comprehensive income (loss) before income taxes:        
Net change in unrealized gain (loss) 512 (33,458) 33,881 133,108
Reclassification adjustments included in earnings:        
Interest revenue, Investment securities, Taxable securities 0 0 0 (112)
Gain on available for sale securities, net (2,487) (2,394) (4,916) (11,684)
Other comprehensive income (loss) before income taxes (1,975) (35,852) 28,965 121,312
Federal and state income taxes (768) (13,947) 11,241 [1] 47,172 [1]
Other comprehensive income (loss), net of income taxes (1,207) (21,905) 17,724 74,140
Comprehensive income 84,583 53,207 281,044 256,512
Comprehensive income (loss) attributable to non-controlling interests 141 835 1,168 (270)
Comprehensive income attributable to BOK Financial Corp. shareholders $ 84,442 $ 52,372 $ 279,876 $ 256,782
[1] Calculated using a 39 percent effective tax rate.
v3.8.0.1
Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Assets [Abstract]      
Cash and due from banks $ 547,203 $ 620,846 $ 535,916
Interest-bearing cash and cash equivalents 1,926,779 1,916,651 2,080,978
Trading securities 614,117 337,628 546,615
Investment securities 466,562 546,145 546,457
Available for sale securities 8,383,199 8,676,829 8,862,283
Fair value option securities 819,531 77,046 222,409
Restricted equity securities 347,542 307,240 333,391
Residential mortgage loans held for sale 275,643 301,897 447,592
Loans 17,206,834 16,989,660 16,464,786
Allowance for loan losses (247,703) (246,159) (245,103)
Loans, net of allowance 16,959,131 16,743,501 16,219,683
Premises and equipment, net 320,060 325,849 318,196
Receivables 314,251 772,952 650,368
Goodwill 446,697 448,899 382,739
Intangible assets, net 39,013 46,931 41,977
Mortgage servicing rights 245,858 247,073 203,621
Real estate and other repossessed assets, net of allowance 32,535 44,287 31,941
Derivative contracts, net 352,559 689,872 655,078
Cash surrender value of bank-owned life insurance 314,201 308,430 310,211
Receivable on unsettled securities sales 230,225 7,188 19,642
Other assets 370,409 353,017 370,134
Total assets 33,005,515 32,772,281 32,779,231
Deposits [Abstract]      
Noninterest-bearing demand deposits 9,185,481 9,235,720 8,681,364
Interest-bearing deposits: [Abstract]      
Transaction 10,025,084 10,865,105 9,824,160
Savings 465,225 425,470 420,349
Time 2,172,289 2,221,800 2,169,631
Total deposits 21,848,079 22,748,095 21,095,504
Funds purchased 62,356 57,929 109,031
Repurchase agreements 328,189 668,661 504,573
Other borrowings 6,241,275 4,846,072 6,533,443
Subordinated debentures 144,668 144,640 144,631
Accrued interest, taxes and expense 152,029 146,704 191,276
Derivative contracts, net 336,327 664,531 573,987
Due on unsettled securities purchases 160,781 6,508 677
Other liabilities 217,372 182,784 193,698
Total liabilities 29,491,076 29,465,924 29,346,820
Shareholders' equity: [Abstract]      
Common stock 4 4 4
Capital surplus 1,028,489 1,006,535 995,680
Retained earnings 2,999,005 2,823,334 2,801,931
Treasury stock (545,441) (544,052) (495,031)
Accumulated other comprehensive income (loss) 6,757 (10,967) 95,727
Total shareholders’ equity 3,488,814 3,274,854 3,398,311
Non-controlling interests 25,625 31,503 34,100
Total equity 3,514,439 3,306,357 3,432,411
Total liabilities and equity $ 33,005,515 $ 32,772,281 $ 32,779,231
v3.8.0.1
Consolidated Balance Sheets (Parenthetical) (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Investment securities [Abstract]      
Investment Securities, fair value $ 489,895 $ 565,493 $ 580,310
Allowance for real estate and other repossessed assets $ 11,738 $ 9,562 $ 9,524
Shareholders' equity: [Abstract]      
Common stock, par value (in dollars per share) $ 0.00006 $ 0.00006 $ 0.00006
Common stock, shares authorized (in shares) 2,500,000,000 2,500,000,000 2,500,000,000
Common stock, shares issued (in shares) 75,129,535 74,993,407 74,866,429
Common stock, shares outstanding (in shares) 75,129,535 74,993,407 74,866,429
Treasury stock, shares at cost (in shares) 9,672,749 9,655,975 8,955,975
v3.8.0.1
Consolidated Statements of Changes in Equity (Unaudited) - USD ($)
shares in Thousands, $ in Thousands
Total
Common Stock [Member]
Capital Surplus [Member]
Retained Earnings [Member]
Treasury Stock [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total Shareholders' Equity [Member]
Non-Controlling Interests [Member]
Balance, beginning of period (in shares) at Dec. 31, 2015   74,530     8,636      
Balance, beginning of period at Dec. 31, 2015 $ 3,267,639 $ 4 $ 982,009 $ 2,704,121 $ (477,165) $ 21,587 $ 3,230,556 $ 37,083
Net income (loss) 182,372     182,642     182,642 (270)
Other comprehensive income 74,140         74,140 74,140  
Repurchase of common stock (in shares)         305      
Repurchase of common stock (17,771)       $ (17,771)   (17,771)  
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period   108            
Stock options exercised 5,513   5,513       5,513  
Non-vested shares awarded, net (in shares)   228            
Vesting of non-vested shares (in shares)         15      
Vesting of non-vested shares (95)       $ (95)   (95)  
Tax effect from equity compensation, net 589   589       589  
Share-based compensation 7,569   7,569       7,569  
Cash dividends on common stock (84,832)     (84,832)     (84,832)  
Capital calls and distributions, net (2,713)             (2,713)
Balance, end of period (in shares) at Sep. 30, 2016   74,866     8,956      
Balance, end of period at Sep. 30, 2016 3,432,411 $ 4 995,680 2,801,931 $ (495,031) 95,727 3,398,311 34,100
Balance, beginning of period (in shares) at Dec. 31, 2016   74,993     9,656      
Balance, beginning of period at Dec. 31, 2016 3,306,357 $ 4 1,006,535 2,823,334 $ (544,052) (10,967) 3,274,854 31,503
Net income (loss) 263,320     262,152     262,152 1,168
Other comprehensive income 17,724         17,724 17,724  
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period   80            
Stock options exercised 4,564   4,564       4,564  
Non-vested shares awarded, net (in shares)   57            
Vesting of non-vested shares (in shares)         17      
Vesting of non-vested shares (1,389)       $ (1,389)   (1,389)  
Share-based compensation 17,390   17,390       17,390  
Cash dividends on common stock (86,481)     (86,481)     (86,481)  
Capital calls and distributions, net (7,046)             (7,046)
Balance, end of period (in shares) at Sep. 30, 2017   75,130     9,673      
Balance, end of period at Sep. 30, 2017 $ 3,514,439 $ 4 $ 1,028,489 $ 2,999,005 $ (545,441) $ 6,757 $ 3,488,814 $ 25,625
v3.8.0.1
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Cash Flows From Operating Activities: [Abstract]    
Net income $ 263,320 $ 182,372
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 0 65,000
Change in fair value of mortgage servicing rights due to market changes 5,726 41,944
Change in the fair value of mortgage servicing rights due to loan runoff 24,928 29,385
Net unrealized gains from derivative contracts (3,937) (9,755)
Share-based compensation 17,390 7,569
Depreciation and amortization 39,154 35,158
Net amortization of securities discounts and premiums 22,149 31,373
Net realized gains on financial instruments and other net gains (1,930) (13,663)
Net gain on mortgage loans held for sale (35,778) (61,775)
Mortgage loans originated for sale (2,446,793) (4,927,442)
Proceeds from sale of mortgage loans held for sale 2,503,759 4,855,682
Capitalized mortgage servicing rights (29,439) (56,345)
Change in trading and fair value option securities (1,019,906) (204,030)
Change in receivables 459,480 (483,836)
Change in other assets (18,991) (17,931)
Change in accrued interest, taxes and expense (99) 27,780
Change in other liabilities 43,767 7,262
Net cash provided by (used in) operating activities (177,200) (491,252)
Cash Flows From Investing Activities: [Abstract]    
Proceeds from maturities or redemptions of investment securities 94,243 65,104
Proceeds from maturities or redemptions of available for sale securities 1,345,575 1,120,917
Purchases of investment securities (18,802) (18,599)
Purchases of available for sale securities (2,001,160) (1,860,287)
Proceeds from sales of available for sale securities 966,044 1,027,379
Change in amount receivable on unsettled securities transactions (223,037) 20,551
Loans originated, net of principal collected (156,404) (551,351)
Net payments on derivative asset contracts 334,709 (79,512)
Acquisitions, net of cash acquired 0 (7,700)
Proceeds from disposition of assets 162,793 131,761
Purchases of assets (170,937) (159,263)
Net cash provided by (used in) investing activities 333,024 (311,000)
Cash Flows From Financing Activities: [Abstract]    
Net change in demand deposits, transaction deposits and savings accounts (850,505) 243,779
Net change in time deposits (49,511) (236,433)
Net change in other borrowed funds 957,859 1,015,822
Repayment of subordinated debentures 0 226,550
Issuance of subordinated debentures 0 145,331
Net proceeds on derivative liability contracts (339,566) 76,144
Net change in derivative margin accounts (8,583) (129,141)
Change in amount due on unsettled security transactions 154,273 (16,220)
Issuance of common and treasury stock, net 3,175 5,418
Repurchase of common stock 0 17,771
Dividends paid (86,481) (84,832)
Net cash provided by (used in) financing activities (219,339) 775,547
Net increase (decrease) in cash and cash equivalents (63,515) (26,705)
Cash and cash equivalents at beginning of period 2,537,497 2,643,599
Cash and cash equivalents at end of period 2,473,982 2,616,894
Supplemental Cash Flow Information: [Abstract]    
Cash paid for interest 89,901 61,522
Cash paid for taxes 95,967 43,096
Net loans and bank premises transferred to repossessed real estate and other assets 4,649 20,580
Residential mortgage loans guaranteed by U.S. government agencies that became eligible for repurchase during the period 101,299 79,710
Conveyance of other real estate owned guaranteed by U.S. government agencies $ 32,033 $ 50,855
v3.8.0.1
Significant Accounting Policies
9 Months Ended
Sep. 30, 2017
Accounting Policies [Abstract]  
Significant Accounting Policies [Text Block]
Significant Accounting Policies

Basis of Presentation

The accompanying unaudited consolidated financial statements of BOK Financial Corporation (“BOK Financial” or “the Company”) have been prepared in accordance with accounting principles for interim financial information generally accepted in the United States and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.

The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOK Financial Securities, Inc., The Milestone Group, Inc. and Cavanal Hill Investment Management Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust, Mobank, BOK Financial Mortgage and the TransFund electronic funds network.

Certain reclassifications have been made to conform to the current period presentation.

The financial information should be read in conjunction with BOK Financial’s 2016 Form 10-K filed with the Securities and Exchange Commission, which contains audited financial statements. Amounts presented as of December 31, 2016 have been derived from the audited financial statements included in BOK Financial’s 2016 Form 10-K but do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. Operating results for the nine-month period ended September 30, 2017 are not necessarily indicative of the results that may be expected for the year ending December 31, 2017.

Newly Adopted and Pending Accounting Policies

Financial Accounting Standards Board (“FASB”)

FASB Accounting Standards Update No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09")

On May 28, 2014, the FASB issued ASU 2014-09 to clarify the principles for recognizing revenue by providing a more robust framework that will give greater consistency and comparability in revenue recognition practices. In the new framework, an entity recognizes revenue in an amount that reflects the consideration to which the entity expects to be entitled in exchange for goods or services. The new model requires the identification of performance obligations included in contracts with customers, a determination of the transaction price and an allocation of the price to those performance obligations. The entity recognizes revenue when performance obligations are satisfied. ASU 2014-09 is effective for the Company for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period. Net interest revenue from financial assets and liabilities is explicitly excluded from the scope of ASU 2014-09. Management expects that there will be no material impact on the timing of revenue recognized as our current revenue recognition policies generally conform with the principals in the standard. Management will adopt the standard in the first quarter of 2018 with a cumulative effect adjustment to opening retained earnings if such adjustment is significant. Currently, we do not anticipate any significant adjustments.

FASB Accounting Standards Update No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) ("ASU 2016-08")

On March 17, 2016, the FASB Issued ASU 2016-08 to amend the principal versus agent implementation guidance in ASU 2014-09. The ASU clarifies that an entity should evaluate whether it is the principal or the agent for each specified good or service promised in a contract with a customer. ASU 2016-08 is effective for the Company for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period. Management expects that interchange fees paid to issuing banks for card transactions processed related to its merchant processing services currently included in data processing and communication expense, will be netted against the amounts charged to the merchant in transaction card processing revenue. For 2016, interchange fees related to merchant processing services were approximately $27 million.

FASB Accounting Standards Update No. 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities ("ASU 2016-01")

On January 5, 2016, the FASB issued ASU 2016-01 over the recognition and measurement of financial assets and liabilities. The update requires equity investments, in general, to be measured at fair value with changes in fair value recognized in earnings. It also eliminates the requirement to disclose the methods and significant assumptions used to estimate the fair value for financial instruments measured at amortized cost, requires entities to use the exit price notion when measuring fair value, requires an entity to present separately in other comprehensive income the portion of the total change in fair value of a liability resulting from a change in the instrument-specific credit risk when the fair value option has been elected, requires separate presentation of financial assets and liabilities by measurement category and form on the balance sheet or accompanying notes, clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets, and simplifies the impairment assessment of equity investments without readily determinable fair values. The ASU is effective for the Company for interim and annual periods beginning after December 15, 2017. Upon adoption, unrealized gains and losses from equity securities will be reclassified from other comprehensive income to retained earnings. At September 30, 2017, the Company had $2.2 million of net unrealized gains included in accumulated other comprehensive income.

FASB Accounting Standards Update No. 2016-02, Leases (Topic 842) ("ASU 2016-02")

On February 25, 2016, the FASB issued ASU 2016-02 to increase transparency and comparability by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. Lessees will be required to recognize an obligation for future lease payments measured on a discounted basis and a right-of-use asset. The ASU is effective for the Company for interim and annual periods beginning after December 15, 2018 and requires transition through a modified retrospective approach for leases existing at or entered into after January 1, 2017. The Company is evaluating the impact the adoption of ASU 2016-02 will have on the Company's financial statements.

FASB Accounting Standards Update No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting ("ASU 2016-09")

On March 30, 2016, the FASB issued ASU 2016-09 to simplify multiple aspects of accounting for employee share-based payment transactions including accounting for income taxes, forfeitures, and statutory tax withholding requirements. The ASU became effective for annual reporting periods beginning after December 15, 2016, including interim periods within those annual reporting periods. Implementation of ASU 2016-09 decreased tax expense $2.5 million in the first nine months of 2017.
 
FASB Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Assets Measured at Amortized Cost ("ASU 2016-13")

On June 16, 2016, the FASB issued ASU 2016-13 in order to provide more timely recording of credit losses on loans and other financial instruments. The ASU adds an impairment model (known as the current expected credit loss ("CECL") model) that is based on expected credit losses rather than incurred credit losses. It requires measurement of all expected credit losses for financial assets carried at amortized cost, including loans and investment securities, based on historical experience, current conditions, and reasonable and supportable forecasts. ASU 2016-13 also changes the recognition of other-than-temporary impairment of available for sale securities to an allowance methodology from a direct write-down methodology. ASU 2016-13 will be effective for the Company for annual reporting periods beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted for annual reporting periods beginning after December 15, 2018. ASU 2016-13 will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company is evaluating the impact the adoption of ASU 2016-13 will have on the Company's financial statements.

FASB Accounting Standards Update No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments ("ASU 2016-15")

On August 26, 2016, the FASB issued ASU 2016-15, which amends guidance in ASC 230 on the classification of certain cash receipts and payments in the statement of cash flows. The amendments address eight cash flow issues. ASU 2016-15 is effective for the Company for interim and annual reporting periods beginning after December 15, 2017. Entities generally must apply the guidance retrospectively to all periods presented. Adoption of ASU 2016-15 is not expected to have a material impact on the Company's financial statements.

FASB Accounting Standards Update No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities ("ASU 2017-12")

On August 28, 2017, the FASB issued ASU 2017-12, which amends the hedge accounting recognition and presentation requirements in ASC815 in order to improve transparency and understandability of information and reduce the complexity. The update expands the types of transactions eligible for hedge accounting, eliminates the requirement to separately measure and present hedge ineffectiveness, simplifies hedge effectiveness assessments and updates documentation and presentation requirements. ASU 2017-12 is effective for the Company for fiscal years beginning after December 15, 2018, and interim periods therein; however, early adoption is permitted. The Company is evaluating the impact the adoption of ASU 2017-12 will have on the Company's financial statements.
v3.8.0.1
Securities
9 Months Ended
Sep. 30, 2017
Marketable Securities [Abstract]  
Securities [Text Block]
Securities
Trading Securities
 
The fair value and net unrealized gain (loss) included in trading securities are as follows (in thousands):
 
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair
Value
 
Net Unrealized Gain (Loss)
U.S. government agency debentures
 
$
30,162

 
$
(101
)
 
$
6,234

 
$
(4
)
 
$
15,705

 
$
(7
)
U.S. government agency residential mortgage-backed securities
 
516,760

 
723

 
310,067

 
635

 
464,749

 
876

Municipal and other tax-exempt securities
 
56,148

 
153

 
14,427

 
50

 
54,856

 
(100
)
Other trading securities
 
11,047

 
23

 
6,900

 
57

 
11,305

 
14

Total trading securities
 
$
614,117

 
$
798

 
$
337,628

 
$
738

 
$
546,615

 
$
783


Investment Securities
 
The amortized cost and fair values of investment securities are as follows (in thousands):

 
 
September 30, 2017
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
246,000

 
$
249,250

 
$
3,415

 
$
(165
)
U.S. government agency residential mortgage-backed securities – Other
 
16,926

 
17,458

 
594

 
(62
)
Other debt securities
 
203,636

 
223,187

 
20,141

 
(590
)
Total investment securities
 
$
466,562

 
$
489,895

 
$
24,150

 
$
(817
)

1 
Gross unrealized gains and losses are not recognized in Accumulated Other Comprehensive Income "AOCI" in the Consolidated Balance Sheets.
 
 
December 31, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
320,364

 
$
321,225

 
$
2,272

 
$
(1,411
)
U.S. government agency residential mortgage-backed securities – Other
 
20,777

 
21,473

 
767

 
(71
)
Other debt securities
 
205,004

 
222,795

 
18,115

 
(324
)
Total investment securities
 
$
546,145

 
$
565,493

 
$
21,154

 
$
(1,806
)

1 
Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
 
 
September 30, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
323,225

 
$
327,788

 
$
4,745

 
$
(182
)
U.S. government agency residential mortgage-backed securities – Other
 
22,166

 
23,452

 
1,286

 

Other debt securities
 
201,066

 
229,070

 
28,014

 
(10
)
Total investment securities
 
$
546,457

 
$
580,310

 
$
34,045

 
$
(192
)

1 
Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
The amortized cost and fair values of investment securities at September 30, 2017, by contractual maturity, are as shown in the following table (dollars in thousands):
 
 
Less than
One Year
 
One to
Five Years
 
Six to
Ten Years
 
Over
Ten Years
 
Total
 
Weighted
Average
Maturity²
Municipal and other tax-exempt:
 
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
 
$
84,786

 
$
107,938

 
$
16,132

 
$
37,144

 
$
246,000

 
3.51

Fair value
 
84,835

 
108,352

 
16,776

 
39,287

 
249,250

 
 
Nominal yield¹
 
1.75
%
 
2.15
%
 
4.68
%
 
5.21
%
 
2.64
%
 
 
Other debt securities:
 
 

 
 

 
 

 
 

 
 

 
 
Amortized cost
 
13,546

 
47,077

 
130,494

 
12,519

 
203,636

 
6.40

Fair value
 
13,688

 
50,230

 
147,066

 
12,203

 
223,187

 
 
Nominal yield
 
4.10
%
 
4.86
%
 
5.75
%
 
4.47
%
 
5.35
%
 
 
Total fixed maturity securities:
 
 

 
 

 
 

 
 

 
 

 
 
Amortized cost
 
$
98,332

 
$
155,015

 
$
146,626

 
$
49,663

 
$
449,636

 
4.82

Fair value
 
98,523

 
158,582

 
163,842

 
51,490

 
472,437

 
 

Nominal yield
 
2.08
%
 
2.97
%
 
5.63
%
 
5.02
%
 
3.87
%
 
 

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 
 

 
 

 
 

 
 

 
$
16,926

 
³

Fair value
 
 

 
 

 
 

 
 

 
17,458

 
 

Nominal yield4
 
 

 
 

 
 

 
 

 
2.76
%
 
 

Total investment securities:
 
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 
 

 
 

 
 

 
 

 
$
466,562

 
 

Fair value
 
 

 
 

 
 

 
 

 
489,895

 
 

Nominal yield
 
 

 
 

 
 

 
 

 
3.83
%
 
 

1 
Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
2 
Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
3 
The average expected lives of residential mortgage-backed securities were 4.7 years based upon current prepayment assumptions.
4 
The nominal yield on residential mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary - Unaudited for current yields on the investment securities portfolio.

Available for Sale Securities 

The amortized cost and fair value of available for sale securities are as follows (in thousands):
 
 
September 30, 2017
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
999

 
$

 
$
(1
)
 
$

Municipal and other tax-exempt
 
28,411

 
28,368

 
240

 
(283
)
 

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,103,869

 
3,108,822

 
25,510

 
(20,557
)
 

FHLMC
 
1,331,212

 
1,330,159

 
6,630

 
(7,683
)
 

GNMA
 
864,256

 
862,394

 
3,254

 
(5,116
)
 

Other
 
25,000

 
25,009

 
51

 
(42
)
 

Total U.S. government agencies
 
5,324,337

 
5,326,384

 
35,445

 
(33,398
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
35,853

 
46,695

 
10,842

 

 

Jumbo-A loans
 
44,944

 
53,299

 
8,355

 

 

Total private issue
 
80,797

 
99,994

 
19,197

 

 

Total residential mortgage-backed securities
 
5,405,134

 
5,426,378

 
54,642

 
(33,398
)
 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,899,828

 
2,889,346

 
5,577

 
(16,059
)
 

Other debt securities
 
4,400

 
4,153

 

 
(247
)
 

Perpetual preferred stock
 
12,562

 
16,245

 
3,683

 

 

Equity securities and mutual funds
 
17,803

 
17,710

 
655

 
(748
)
 

Total available for sale securities
 
$
8,369,138

 
$
8,383,199

 
$
64,797

 
$
(50,736
)
 
$

1 Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.
 
 
December 31, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized¹
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
999

 
$

 
$
(1
)
 
$

Municipal and other tax-exempt
 
41,050

 
40,993

 
343

 
(400
)
 

Residential mortgage-backed securities:
 
 
 
 

 
 

 
 

 
 

U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,062,525

 
3,055,676

 
25,066

 
(31,915
)
 

FHLMC
 
1,534,451

 
1,531,116

 
8,475

 
(11,810
)
 

GNMA
 
878,375

 
873,594

 
2,259

 
(7,040
)
 

Total U.S. government agencies
 
5,475,351

 
5,460,386

 
35,800

 
(50,765
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
44,245

 
51,512

 
7,485

 

 
(218
)
Jumbo-A loans
 
56,947

 
64,023

 
7,092

 
(16
)
 

Total private issue
 
101,192

 
115,535

 
14,577

 
(16
)
 
(218
)
Total residential mortgage-backed securities
 
5,576,543

 
5,575,921

 
50,377

 
(50,781
)
 
(218
)
Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,035,750

 
3,017,933

 
5,472

 
(23,289
)
 

Other debt securities
 
4,400

 
4,152

 

 
(248
)
 

Perpetual preferred stock
 
15,561

 
18,474

 
2,913

 

 

Equity securities and mutual funds
 
17,424

 
18,357

 
1,060

 
(127
)
 

Total available for sale securities
 
$
8,691,728

 
$
8,676,829

 
$
60,165

 
$
(74,846
)
 
$
(218
)
1 Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.

 
 
September 30, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
1,002

 
$
2

 
$

 
$

Municipal and other tax-exempt
 
41,943

 
42,092

 
602

 
(453
)
 

Residential mortgage-backed securities:
 
 
 
 
 
 
 
 
 
 
U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,035,041

 
3,101,136

 
67,859

 
(1,764
)
 

FHLMC
 
1,611,887

 
1,641,178

 
29,640

 
(349
)
 

GNMA
 
924,176

 
926,358

 
3,530

 
(1,348
)
 

Total U.S. government agencies
 
5,571,104

 
5,668,672

 
101,029

 
(3,461
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
47,039

 
54,065

 
7,230

 

 
(204
)
Jumbo-A loans
 
61,377

 
67,538

 
6,187

 
(26
)
 

Total private issue
 
108,416

 
121,603

 
13,417

 
(26
)
 
(204
)
Total residential mortgage-backed securities
 
5,679,520

 
5,790,275

 
114,446

 
(3,487
)
 
(204
)
Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,942,988

 
2,986,495

 
45,329

 
(1,822
)
 

Other debt securities
 
4,400

 
4,151

 

 
(249
)
 

Perpetual preferred stock
 
15,562

 
19,578

 
4,016

 

 

Equity securities and mutual funds
 
17,337

 
18,690

 
1,370

 
(17
)
 

Total available for sale securities
 
$
8,702,750

 
$
8,862,283

 
$
165,765

 
$
(6,028
)
 
$
(204
)
1 
Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 
Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.

The amortized cost and fair values of available for sale securities at September 30, 2017, by contractual maturity, are as shown in the following table (dollars in thousands):
 
Less than
One Year
 
One to
Five Years
 
Six to
Ten Years
 
Over
Ten Years
 
Total
 
Weighted
Average
Maturity5
U.S. Treasuries:
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
$
1,000

 
$

 
$

 
$

 
$
1,000

 
0.29

Fair value
999

 

 

 

 
999

 
 
Nominal yield
0.87
%
 
%
 
%
 
%
 
0.87
%
 
 
Municipal and other tax-exempt:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$
8,754

 
$
4,163

 
$

 
$
15,494

 
$
28,411

 
9.00

Fair value
8,780

 
4,313

 

 
15,275

 
28,368

 
 
Nominal yield¹
3.25
%
 
5.13
%
 
%
 
2.26
%
6 
2.99
%
 
 
Commercial mortgage-backed securities:
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
$
59,483

 
$
978,565

 
$
1,616,383

 
$
245,397

 
$
2,899,828

 
6.90

Fair value
59,402

 
976,466

 
1,610,642

 
242,836

 
2,889,346

 
 
Nominal yield
1.25
%
 
1.85
%
 
1.92
%
 
1.92
%
 
1.88
%
 
 
Other debt securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$

 
$

 
$

 
$
4,400

 
$
4,400

 
29.91

Fair value

 

 

 
4,153

 
4,153

 
 
Nominal yield
%
 
%
 
%
 
1.71
%
6 
1.71
%
 
 
Total fixed maturity securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$
69,237

 
$
982,728

 
$
1,616,383

 
$
265,291

 
$
2,933,639

 
6.96

Fair value
69,181

 
980,779

 
1,610,642

 
262,264

 
2,922,866

 
 
Nominal yield
1.50
%
 
1.86
%
 
1.92
%
 
1.93
%
 
1.88
%
 
 
Residential mortgage-backed securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
 

 
 

 
 

 
 

 
$
5,405,134

 
2 

Fair value
 

 
 

 
 

 
 

 
5,426,378

 
 
Nominal yield4
 

 
 

 
 

 
 

 
1.99
%
 
 
Equity securities and mutual funds:
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 

 
 

 
 

 
 

 
$
30,365

 
³

Fair value
 

 
 

 
 

 
 

 
33,955

 
 

Nominal yield
 

 
 

 
 

 
 

 
%
 
 

Total available-for-sale securities:
 

 
 

 
 

 
 

 
 
 
 

Amortized cost
 

 
 

 
 

 
 

 
$
8,369,138

 
 

Fair value
 

 
 

 
 

 
 

 
8,383,199

 
 

Nominal yield
 

 
 

 
 

 
 

 
1.95
%
 
 

1 
Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
2 
The average expected lives of mortgage-backed securities were 4.0 years years based upon current prepayment assumptions.
3 
Primarily common stock and preferred stock of corporate issuers with no stated maturity.
4 
The nominal yield on mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary –– Unaudited following for current yields on available for sale securities portfolio.
5 
Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
6 
Nominal yield on municipal and other tax-exempt securities and other debt securities with contractual maturity dates over ten years are based on variable rates which generally are reset within 35 days.

Sales of available for sale securities resulted in gains and losses as follows (in thousands):
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
2017
 
2016
 
2017
 
2016
Proceeds
$
265,632

 
$
232,239

 
$
966,044

 
$
1,027,379

Gross realized gains
2,768

 
2,415

 
7,623

 
11,705

Gross realized losses
(281
)
 
(21
)
 
(2,707
)
 
(21
)
Related federal and state income tax expense
967

 
931

 
1,912

 
4,545



A summary of investment and available for sale securities that have been pledged as collateral for repurchase agreements, public trust funds on deposit and for other purposes, as required by law was as follows (in thousands):
 
Sept. 30, 2017
 
Dec. 31, 2016
 
Sept. 30, 2016
Investment:
 
 
 
 
 
Amortized cost
$
237,525

 
$
322,208

 
$
301,754

Fair value
241,208

 
323,808

 
307,264

 
 
 
 
 
 
Available for sale:
 
 
 
 
 
Amortized cost
6,559,615

 
7,353,116

 
7,098,721

Fair value
6,551,240

 
7,327,470

 
7,213,520



The secured parties do not have the right to sell or repledge these securities.

At September 30, 2017, trading securities and receivables collateralized by securities with a fair value of $224 million were pledged as collateral at the Federal Home Loan Bank (FHLB) for the trading activities of BOK Financial Securities, Inc. No trading securities were pledged as collateral as of December 31, 2016 and no trading securities were pledged as collateral at September 30, 2016.
Temporarily Impaired Securities as of September 30, 2017
(in thousands):
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
63

 
$
80,235

 
$
70

 
$
9,795

 
$
95

 
$
90,030

 
$
165

U.S. government agency residential mortgage-backed securities – Other
 
1

 
3,578

 
62

 

 

 
3,578

 
62

Other debt securities
 
28

 
10,022

 
566

 
427

 
24

 
10,449

 
590

Total investment securities
 
92

 
$
93,835

 
$
698

 
$
10,222

 
$
119

 
$
104,057

 
$
817


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

U.S. Treasury
 
1

 
$
999

 
$
1

 
$

 
$

 
$
999

 
$
1

Municipal and other tax-exempt
 
11

 
576

 
1

 
4,785

 
282

 
5,361

 
283

Residential mortgage-backed securities:
 
 
 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 
 
 

 
 

 
 

 
 

 


 


FNMA
 
81

 
1,054,171

 
10,288

 
480,994

 
10,269

 
1,535,165

 
20,557

FHLMC
 
42

 
477,823

 
3,546

 
198,478

 
4,137

 
676,301

 
7,683

GNMA
 
17

 
166,565

 
1,718

 
124,037

 
3,398

 
290,602

 
5,116

Other
 
1

 
19,958

 
42

 

 

 
19,958

 
42

Total U.S. government agencies
 
141


1,718,517


15,594


803,509


17,804


2,522,026


33,398

Private issue:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 

 

 

 

 

 

 

Jumbo-A loans
 

 

 

 

 

 

 

Total private issue
 

 

 

 

 

 

 

Total residential mortgage-backed securities
 
141

 
1,718,517

 
15,594

 
803,509

 
17,804

 
2,522,026

 
33,398

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
137

 
1,154,911

 
7,194

 
559,984

 
8,865

 
1,714,895

 
16,059

Other debt securities
 
2

 

 

 
4,153

 
247

 
4,153

 
247

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
91

 
3,672

 
696

 
1,428

 
52

 
5,100

 
748

Total available for sale securities
 
383

 
$
2,878,675


$
23,486


$
1,373,859


$
27,250


$
4,252,534


$
50,736




Temporarily Impaired Securities as of December 31, 2016
(In thousands)
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
151

 
$
219,892

 
$
1,316

 
$
4,333

 
$
95

 
$
224,225

 
$
1,411

U.S. government agency residential mortgage-backed securities – Other
 
1

 
4,358

 
71

 

 

 
4,358

 
71

Other debt securities
 
41

 
11,820

 
322

 
855

 
2

 
12,675

 
324

Total investment securities
 
193

 
$
236,070

 
$
1,709

 
$
5,188

 
$
97

 
$
241,258

 
$
1,806


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 


 


U.S. Treasury
 
1

 
$
999

 
$
1

 
$

 
$

 
$
999

 
$
1

Municipal and other tax-exempt
 
24

 
15,666

 
22

 
4,689

 
378

 
20,355

 
400

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

 


 


FNMA
 
91

 
1,787,644

 
30,238

 
72,105

 
1,677

 
1,859,749

 
31,915

FHLMC
 
58

 
964,017

 
11,210

 
18,307

 
600

 
982,324

 
11,810

GNMA
 
31

 
548,637

 
6,145

 
25,796

 
895

 
574,433

 
7,040

Total U.S. government agencies
 
180

 
3,300,298

 
47,593

 
116,208

 
3,172

 
3,416,506

 
50,765

Private issue1:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 
5

 
7,931

 
174

 
7,410

 
44

 
15,341

 
218

Jumbo-A loans
 
1

 

 

 
6,098

 
16

 
6,098

 
16

Total private issue
 
6

 
7,931

 
174

 
13,508

 
60

 
21,439

 
234

Total residential mortgage-backed securities
 
186

 
3,308,229

 
47,767

 
129,716

 
3,232

 
3,437,945

 
50,999

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
171

 
1,904,584

 
22,987

 
38,875

 
302

 
1,943,459

 
23,289

Other debt securities
 
2

 

 

 
4,152

 
248

 
4,152

 
248

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
104

 
2,127

 
41

 
817

 
86

 
2,944

 
127

Total available for sale securities
 
488

 
$
5,231,605


$
70,818


$
178,249


$
4,246


$
5,409,854


$
75,064

1 
Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.


Temporarily Impaired Securities as of September 30, 2016
(In thousands)
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
75

 
$
100,624

 
$
106

 
$
4,359

 
$
76

 
$
104,983

 
$
182

U.S. government agency residential mortgage-backed securities – Other
 

 

 

 

 

 

 

Other debt securities
 
3

 
444

 
6

 
856

 
4

 
1,300

 
10

Total investment securities
 
78

 
$
101,068

 
$
112

 
$
5,215

 
$
80

 
$
106,283

 
$
192


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 


 


U.S. Treasury
 

 
$

 
$

 
$

 
$

 
$

 
$

Municipal and other tax-exempt1
 
20

 
2,210

 
3

 
6,396

 
450

 
8,606

 
453

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

 


 


FNMA
 
14

 
365,201

 
1,712

 
14,229

 
52

 
379,430

 
1,764

FHLMC
 
6

 
122,713

 
91

 
20,306

 
258

 
143,019

 
349

GNMA
 
16

 
230,043

 
1,157

 
212,705

 
191

 
442,748

 
1,348

Total U.S. government agencies
 
36

 
717,957

 
2,960

 
247,240

 
501

 
965,197

 
3,461

Private issue1:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 
5

 
8,231

 
141

 
7,773

 
63

 
16,004

 
204

Jumbo-A loans
 
1

 
6,583

 
26

 

 

 
6,583

 
26

Total private issue
 
6

 
14,814

 
167

 
7,773

 
63

 
22,587

 
230

Total residential mortgage-backed securities
 
42

 
732,771

 
3,127

 
255,013

 
564

 
987,784

 
3,691

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
33

 
372,805

 
1,656

 
60,851

 
166

 
433,656

 
1,822

Other debt securities
 
2

 

 

 
4,151

 
249

 
4,151

 
249

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
33

 
86

 

 
886

 
17

 
972

 
17

Total available for sale securities
 
130

 
$
1,107,872

 
$
4,786

 
$
327,297

 
$
1,446

 
$
1,435,169

 
$
6,232

1 
Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.

For debt securities, management determines whether it intends to sell or if it is more-likely-than-not that it will be required to sell impaired securities. This determination considers current and forecasted liquidity requirements, regulatory and capital requirements and securities portfolio management. Impaired equity securities, including perpetual preferred stocks, are evaluated based on the near-term prospects of the investment in relation to the severity and duration of the impairment and management's ability and intent to hold the securities until fair value recovers. Based on this evaluation as of September 30, 2017, the Company does not intend to sell any impaired available for sale securities before fair value recovers to the current amortized cost and it is more-likely-than-not that the Company will not be required to sell impaired securities before fair value recovers, which may be maturity.
 
 
 

Fair Value Option Securities
 
Fair value option securities represent securities which the Company has elected to carry at fair value and are separately identified on the Consolidated Balance Sheets. Changes in the fair value are recognized in earnings as they occur. Certain U.S. Treasury securities, residential mortgage-backed securities issued by U.S. government agencies and derivative contracts are held as an economic hedge of the mortgage servicing rights. 

The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands):
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair
Value
 
Net Unrealized Gain (Loss)
U.S. Treasury
 
$

 
$

 
$

 
$

 
$
222,409

 
$
(2,397
)
U.S. government agency residential mortgage-backed securities
 
819,531

 
1,671

 
77,046

 
(1,777
)
 

 

Total
 
$
819,531

 
$
1,671

 
$
77,046

 
$
(1,777
)
 
$
222,409

 
$
(2,397
)



Restricted Equity Securities

Restricted equity securities primarily include stock we are required to hold as members of the Federal Reserve system and the Federal Home Loan Banks. Restricted equity securities are carried at cost as these securities do not have a readily determined fair value because ownership of these shares are restricted and they lack a market. A summary of restricted equity securities follows (in thousands):

 
Sept. 30, 2017
 
Dec. 31, 2016
 
Sept. 30, 2016
Federal Reserve stock
$
36,676

 
$
36,498

 
$
36,283

Federal Home Loan Bank stock
310,622

 
270,541

 
296,907

Other
244

 
201

 
201

Total
$
347,542


$
307,240


$
333,391

v3.8.0.1
Derivatives
9 Months Ended
Sep. 30, 2017
Derivative Instrument Detail [Abstract]  
Derivatives [Text Block]
Derivatives
 
Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are reported in earnings as they occur. Credit risk is also considered in determining fair value.

When bilateral netting agreements or similar arrangements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract type by counterparty basis.

Derivative contracts may require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured.
 
None of these derivative contracts have been designated as hedging instruments for accounting purposes.

Customer Risk Management Programs
 
BOK Financial offers programs to permit its customers to manage various risks, including fluctuations in energy, cattle and other agricultural products, interest rates and foreign exchange rates with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by borrowers to modify interest rate terms of their loans or to-be-announced securities used by mortgage banking customers to hedge their loan production. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize the risk of changes in commodity prices, interest rates or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in other operating revenue – brokerage and trading revenue in the Consolidated Statements of Earnings.
 
Internal Risk Management Programs
 
BOK Financial may use derivative contracts in managing its interest rate sensitivity, as part of its economic hedge of the change in the fair value of mortgage servicing rights and as an economic hedge of trading securities. As of September 30, 2017, derivative contracts under the internal risk management programs were primarily used as part of the economic hedges of the change in the fair value of the mortgage servicing rights and trading securities.

As discussed in Note 6, certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets. See Note 6 for additional discussion of notional, fair value and impact on earnings of these contracts.
The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at September 30, 2017 (in thousands):
 
 
Assets
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
14,244,442

 
$
38,875

 
$
(9,547
)
 
$
29,328

 
$

 
$
29,328

Interest rate swaps
 
1,368,210

 
27,016

 

 
27,016

 
(2,820
)
 
24,196

Energy contracts
 
983,794

 
45,368

 
(35,166
)
 
10,202

 
(238
)
 
9,964

Agricultural contracts
 
60,745

 
1,870

 
(1,172
)
 
698

 

 
698

Foreign exchange contracts
 
252,525

 
249,788

 

 
249,788

 

 
249,788

Equity option contracts
 
101,841

 
4,871

 

 
4,871

 
(920
)
 
3,951

Total customer risk management programs
 
17,011,557

 
367,788

 
(45,885
)
 
321,903

 
(3,978
)
 
317,925

Internal risk management programs
 
11,941,260

 
34,634

 

 
34,634

 

 
34,634

Total derivative contracts
 
$
28,952,817

 
$
402,422

 
$
(45,885
)
 
$
356,537

 
$
(3,978
)
 
$
352,559

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional¹
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
14,244,442

 
$
34,948

 
$
(9,547
)
 
$
25,401

 
$
(374
)
 
$
25,027

Interest rate swaps
 
1,368,230

 
27,056

 

 
27,056

 
(16,599
)
 
10,457

Energy contracts
 
939,350

 
42,744

 
(35,166
)
 
7,578

 

 
7,578

Agricultural contracts
 
60,746

 
1,846

 
(1,172
)
 
674

 

 
674

Foreign exchange contracts
 
249,269

 
245,925

 

 
245,925

 
(1,395
)
 
244,530

Equity option contracts
 
101,841

 
4,871

 

 
4,871

 

 
4,871

Total customer risk management programs
 
16,963,878

 
357,390

 
(45,885
)
 
311,505

 
(18,368
)
 
293,137

Internal risk management programs
 
9,180,531

 
43,190

 

 
43,190

 

 
43,190

Total derivative contracts
 
$
26,144,409

 
$
400,580

 
$
(45,885
)
 
$
354,695

 
$
(18,368
)
 
$
336,327

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.


The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2016 (in thousands):

 
 
Assets
 
 
Notional 1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
16,949,152

 
$
180,695

 
$
(60,555
)
 
$
120,140

 
$

 
$
120,140

Interest rate swaps
 
1,403,408

 
34,442

 

 
34,442

 
(4,567
)
 
29,875

Energy contracts
 
835,566

 
64,140

 
(28,298
)
 
35,842

 
(71
)
 
35,771

Agricultural contracts
 
53,209

 
1,382

 
(515
)
 
867

 

 
867

Foreign exchange contracts
 
580,886

 
494,349

 

 
494,349

 
(5,183
)
 
489,166

Equity option contracts
 
100,924

 
4,357

 

 
4,357

 
(730
)
 
3,627

Total customer risk management programs
 
19,923,145

 
779,365

 
(89,368
)
 
689,997

 
(10,551
)
 
679,446

Internal risk management programs
 
2,514,169

 
10,426

 

 
10,426

 

 
10,426

Total derivative contracts
 
$
22,437,314

 
$
789,791

 
$
(89,368
)
 
$
700,423

 
$
(10,551
)
 
$
689,872

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional 1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
16,637,532

 
$
176,928

 
$
(60,555
)
 
$
116,373

 
$

 
$
116,373

Interest rate swaps
 
1,403,408

 
34,442

 

 
34,442

 
(11,977
)
 
22,465

Energy contracts
 
820,365

 
64,306

 
(28,298
)
 
36,008

 
(31,534
)
 
4,474

Agricultural contracts
 
53,216

 
1,365

 
(515
)
 
850

 
(769
)
 
81

Foreign exchange contracts
 
580,712

 
494,695

 

 
494,695

 
(3,630
)
 
491,065

Equity option contracts
 
100,924

 
4,357

 

 
4,357

 

 
4,357

Total customer risk management programs
 
19,596,157

 
776,093

 
(89,368
)
 
686,725

 
(47,910
)
 
638,815

Internal risk management programs
 
2,582,202

 
25,716

 

 
25,716

 

 
25,716

Total derivative contracts
 
$
22,178,359

 
$
801,809

 
$
(89,368
)
 
$
712,441

 
$
(47,910
)
 
$
664,531

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.




The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at September 30, 2016 (in thousands):
 
 
Assets
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
20,078,974

 
$
90,999

 
$
(38,678
)
 
$
52,321

 
$

 
$
52,321

Interest rate swaps
 
1,323,045

 
49,279

 

 
49,279

 
(794
)
 
48,485

Energy contracts
 
729,202

 
41,775

 
(28,464
)
 
13,311

 
(288
)
 
13,023

Agricultural contracts
 
53,002

 
3,950

 
(1,571
)
 
2,379

 
(1,076
)
 
1,303

Foreign exchange contracts
 
550,828

 
536,264

 

 
536,264

 
(7,577
)
 
528,687

Equity option contracts
 
103,464

 
4,654

 

 
4,654

 
(730
)
 
3,924

Total customer risk management programs
 
22,838,515

 
726,921

 
(68,713
)
 
658,208

 
(10,465
)
 
647,743

Internal risk management programs
 
2,298,038

 
7,335

 

 
7,335

 

 
7,335

Total derivative contracts
 
$
25,136,553

 
$
734,256

 
$
(68,713
)
 
$
665,543

 
$
(10,465
)
 
$
655,078

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
19,776,883

 
$
86,812

 
$
(38,678
)
 
$
48,134

 
$
(39,042
)
 
$
9,092

Interest rate swaps
 
1,323,045

 
49,518

 

 
49,518

 
(34,457
)
 
15,061

Energy contracts
 
695,835

 
40,888

 
(28,464
)
 
12,424

 
(3,857
)
 
8,567

Agricultural contracts
 
52,997

 
3,943

 
(1,571
)
 
2,372

 

 
2,372

Foreign exchange contracts
 
550,943

 
536,660

 

 
536,660

 
(5,396
)
 
531,264

Equity option contracts
 
103,464

 
4,654

 

 
4,654

 

 
4,654

Total customer risk management programs
 
22,503,167

 
722,475

 
(68,713
)
 
653,762

 
(82,752
)
 
571,010

Internal risk management programs
 
1,485,691

 
2,977

 

 
2,977

 

 
2,977

Total derivative contracts
 
$
23,988,858

 
$
725,452

 
$
(68,713
)
 
$
656,739

 
$
(82,752
)
 
$
573,987

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.






The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands):
 
 
Three Months Ended
 
 
September 30, 2017
 
September 30, 2016
 
 
Brokerage
and Trading Revenue
 
Gain (Loss) on Derivatives, Net
 
Brokerage
and Trading
Revenue
 
Gain (Loss)on Derivatives, Net
Customer risk management programs:
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
9,181

 
$

 
$
11,584

 
$

Interest rate swaps
 
767

 

 
710

 

Energy contracts
 
378

 

 
1,222

 

Agricultural contracts
 
38

 

 
25

 

Foreign exchange contracts
 
164

 

 
218

 

Equity option contracts
 

 

 

 

Total customer risk management programs
 
10,528

 

 
13,759

 

Internal risk management programs
 
(711
)
 
1,033

 
(1,608
)
 
2,226

Total derivative contracts
 
$
9,817

 
$
1,033

 
$
12,151

 
$
2,226


 
 
Nine Months Ended
 
 
September 30, 2017
 
September 30, 2016
 
 
Brokerage
and Trading Revenue
 
Gain (Loss) on Derivatives, Net
 
Brokerage
and Trading
Revenue
 
Gain (Loss) on Derivatives, Net
Customer risk management programs:
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
26,413

 
$

 
$
28,886

 
$

Interest rate swaps
 
1,891

 

 
1,758

 

Energy contracts
 
4,917

 

 
4,667

 

Agricultural contracts
 
58

 

 
86

 

Foreign exchange contracts
 
524

 

 
730

 

Equity option contracts
 

 

 

 

Total customer risk management programs
 
33,803

 

 
36,127

 

Internal risk management programs
 
5,307

 
3,824

 
(1,617
)
 
20,130

Total derivative contracts
 
$
39,110

 
$
3,824

 
$
34,510

 
$
20,130

v3.8.0.1
Loans and Allowances for Credit Losses
9 Months Ended
Sep. 30, 2017
Loans Receivable, Net [Abstract]  
Loans [Text Block]
Loans and Allowances for Credit Losses

Loans

Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows.

Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management’s judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower’s financial condition or a sustained period of performance.

Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). All TDRs are classified as nonaccruing, excluding loans guaranteed by U.S. government agencies. Modifications generally consist of extension of payment terms or interest rate concessions and may result either voluntarily through negotiations with the borrower or involuntarily through court order. Generally, principal and accrued but unpaid interest is not voluntarily forgiven.

Performing loans may be renewed under the current collateral value, debt service ratio and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. 

All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a TDR. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral value and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status.

Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable.

Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. Guaranteed loans are considered impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. The principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in TDRs in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors.

Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk. 

Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
September 30, 2017
 
December 31, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
2,225,470

 
$
8,393,564

 
$
176,900

 
$
10,795,934

 
$
2,327,085

 
$
7,884,786

 
$
178,953

 
$
10,390,824

Commercial real estate
 
564,681

 
2,950,486

 
2,975

 
3,518,142

 
624,187

 
3,179,338

 
5,521

 
3,809,046

Residential mortgage
 
1,589,013

 
311,231

 
45,506

 
1,945,750

 
1,647,357

 
256,255

 
46,220

 
1,949,832

Personal
 
153,750

 
793,003

 
255

 
947,008

 
154,971

 
684,697

 
290

 
839,958

Total
 
$
4,532,914

 
$
12,448,284

 
$
225,636

 
$
17,206,834

 
$
4,753,600

 
$
12,005,076

 
$
230,984

 
$
16,989,660

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
253

 
 

 
 

 
 

 
$
5

 
 
September 30, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,991,423

 
$
7,952,276

 
$
176,464

 
$
10,120,163

Commercial real estate
 
565,429

 
3,220,819

 
7,350

 
3,793,598

Residential mortgage
 
1,572,288

 
248,053

 
52,452

 
1,872,793

Personal
 
104,408

 
573,138

 
686

 
678,232

Total
 
$
4,233,548

 
$
11,994,286

 
$
236,952

 
$
16,464,786

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
3,839

1 
Excludes residential mortgage loans guaranteed by agencies of the U.S. government

At September 30, 2017, $5.9 billion or 34 percent of our total loan portfolio is to businesses and individuals attributed to the Texas market and $3.4 billion or 20 percent of the total loan portfolio is to businesses and individuals attributed to the Oklahoma market. These geographic concentrations subject the loan portfolio to the general economic conditions within these areas.

Commercial

Commercial loans represent loans for working capital, facilities acquisition or expansion, purchases of equipment and other needs of commercial customers primarily located within our geographical footprint. Commercial loans are underwritten individually and represent ongoing relationships based on a thorough knowledge of the customer, the customer’s industry and market. While commercial loans are generally secured by the customer’s assets including real property, inventory, accounts receivable, operating equipment, interest in mineral rights and other property and may also include personal guarantees of the owners and related parties, the primary source of repayment of the loans is the ongoing cash flow from operations of the customer’s business. Inherent lending risk is centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with commercial lending policies.

At September 30, 2017, commercial loans attributed to the Texas market totaled $3.7 billion or 34 percent of the commercial loan portfolio segment and commercial loans attributed to the Oklahoma market totaled $2.1 billion or 19 percent of the commercial loan portfolio segment.

The commercial loan portfolio segment is further divided into loan classes. The energy loan class totaled $2.9 billion or 17 percent of total loans at September 30, 2017, including $2.3 billion of outstanding loans to energy producers. Approximately 57 percent of committed production loans are secured by properties primarily producing oil and 43 percent are secured by properties producing natural gas. The services loan class totaled $3.0 billion or 17 percent of total loans at September 30, 2017. Approximately $1.5 billion of loans in the services category consist of loans with individual balances of less than $10 million. Businesses included in the services class include governmental, educational services, consumer services, loans to entities providing services for real estate and construction and commercial services. The healthcare loan class totaled $2.2 billion or 13 percent of total loans at September 30, 2017. The healthcare loan class consists primarily of loans for the development and operation of senior housing and care facilities, including independent living, assisted living and skilled nursing. Healthcare also includes loans to hospitals and other medical service providers.

Commercial Real Estate

Commercial real estate loans are for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes primarily within our geographical footprint. We require collateral values in excess of the loan amounts, demonstrated cash flows in excess of expected debt service requirements, equity investment in the project and a portion of the project already sold, leased or permanent financing already secured. The expected cash flows from all significant new or renewed income producing property commitments are stress tested to reflect the risks in varying interest rates, vacancy rates and rental rates. As with commercial loans, inherent lending risks are centrally monitored on a continuous basis from underwriting throughout the life of the loan for compliance with applicable lending policies.

At September 30, 2017, 35 percent of commercial real estate loans are secured by properties primarily located in the Dallas and Houston areas of Texas. An additional 13 percent of commercial real estate loans are secured by properties located primarily in the Tulsa and Oklahoma City metropolitan areas of Oklahoma. 

Residential Mortgage and Personal

Residential mortgage loans provide funds for our customers to purchase or refinance their primary residence or to borrow against the equity in their home. Residential mortgage loans are secured by a first or second mortgage on the customer’s primary residence. Personal loans consist primarily of loans secured by the cash surrender value of insurance policies and marketable securities. It also includes direct loans secured by and for the purchase of automobiles, recreational and marine equipment as well as unsecured loans. Residential mortgage and personal loans are made in accordance with underwriting policies we believe to be conservative and are fully documented. Loans may be individually underwritten or credit scored based on size and other criteria. Credit scoring is assessed based on significant credit characteristics including credit history, residential and employment stability. Residential mortgage loans retained in the Company’s portfolio are primarily composed of various mortgage programs to support customer relationships including jumbo mortgage loans, non-builder construction loans and special loan programs for high net worth individuals and certain professionals. Jumbo loans may be fixed or variable rate and are fully amortizing. Jumbo loans generally conform to government sponsored entity standards, except that the loan size exceeds maximums required under these standards. These loans generally require a minimum FICO score of 720 and a maximum debt-to-income ratio (“DTI”) of 38 percent.  Loan-to-value (“LTV”) ratios are tiered from 60 percent to 100 percent, depending on the market. Special mortgage programs include fixed and variable fully amortizing loans tailored to the needs of certain healthcare professionals. Variable rate loans are fully indexed at origination and may have fixed rates for three to ten years, then adjust annually thereafter. 

At September 30, 2017, residential mortgage loans included $187 million of loans guaranteed by U.S. government agencies previously sold into GNMA mortgage pools. These loans either have been repurchased or are eligible to be repurchased by the Company when certain defined delinquency criteria are met. Although payments on these loans generally are past due more than 90 days, interest continues to accrue based on the government guarantee.

Home equity loans totaled $744 million at September 30, 2017. Approximately 64 percent of the home equity loan portfolio is comprised of first lien loans and 36 percent of the home equity portfolio is comprised of junior lien loans. Junior lien loans are distributed 47 percent to amortizing term loans and 53 percent to revolving lines of credit. Home equity loans generally require a minimum FICO score of 700 and a maximum DTI of 40 percent. The maximum loan amount available for our home equity loan products is generally $400 thousand. Revolving loans have a 5 year revolving period followed by a 15 year term of amortizing repayments. Interest-only home equity loans may not be extended for any additional revolving time. All other home equity loans may be extended at management's discretion for an additional 5 year revolving term, subject to an update of certain credit information.

Credit Commitments
 
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of conditions established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. At September 30, 2017, outstanding commitments totaled $9.7 billion. Because some commitments are expected to expire before being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. BOK Financial uses the same credit policies in making commitments as it does loans.

The amount of collateral obtained, if deemed necessary, is based upon management’s credit evaluation of the borrower.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Because the credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan commitments, BOK Financial uses the same credit policies in evaluating the creditworthiness of the customer. Additionally, BOK Financial uses the same evaluation process in obtaining collateral on standby letters of credit as it does for loan commitments. The term of these standby letters of credit is defined in each commitment and typically corresponds with the underlying loan commitment. At September 30, 2017, outstanding standby letters of credit totaled $666 million. Commercial letters of credit are used to facilitate customer trade transactions with the drafts being drawn when the underlying transaction is consummated. At September 30, 2017, outstanding commercial letters of credit totaled $2.3 million.

Allowances for Credit Losses

BOK Financial maintains an allowance for loan losses and an accrual for off-balance sheet credit risk. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees. As discussed in greater detail in Note 6, the Company also has separate accruals for off-balance sheet credit risk related to residential mortgage loans previously sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representations and warranties.

The appropriateness of the allowance for loan losses and accrual for off-balance sheet credit losses (collectively "allowance for credit losses") is assessed by management based on an ongoing quarterly evaluation of the probable estimated losses inherent in the portfolio, including probable losses on both outstanding loans and unused commitments.

The allowance for loan losses consists of specific allowances attributed to impaired loans that have not yet been charged down to amounts we expect to recover, general allowances for unimpaired loans based on estimated loss rates by loan class and nonspecific allowances based on general economic conditions, risk concentration and related factors. There have been no material changes in the approach or techniques utilized in developing the allowance for loan losses and the accrual for off-balance sheet credit losses for the three and nine months ended September 30, 2017.

Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements. Internally risk graded loans are evaluated individually for impairment. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on evaluation of the borrowers' ability to repay. Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded. Non-risk graded loans are identified as impaired based on performance status. Generally, non-risk graded loans 90 days or more past due or modified in a TDR or in bankruptcy are considered to be impaired.

Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans’ initial effective interest rate or the fair value of collateral for certain collateral dependent loans. Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs. Appraised values are on an "as-is" basis and are generally not adjusted by the Company. Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined. Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows under current market conditions. Collateral values and available cash resources that support impaired loans are evaluated quarterly. Historical statistics may be used as a practical way to estimate impairment in limited situations, such as when a collateral dependent loan is identified as impaired at the end of a reporting period, until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed. Estimates of future cash flows and collateral values require significant judgments and may be volatile.

General allowances for unimpaired loans are based on estimated loss rates by loan class. The gross loss rate for each loan class is determined by the greater of the current gross loss rate based on the most recent twelve months or a ten-year gross loss rate. Recoveries are not directly considered in the estimation of loss rates. Recoveries generally do not follow predictable patterns and are not received until well after the charge-off date as a result of protracted legal actions. For risk graded loans, gross loss rates are adjusted for changes in risk grading. For each loan class, the current weighted average risk grade is compared to the long-term average risk grade. This comparison determines whether credit risk in each loan class is increasing or decreasing. Loss rates are adjusted upward or downward in proportion to changes in average risk grading. General allowances for unimpaired loans also consider inherent risks identified for each loan class. Inherent risks consider loss rates that most appropriately represent the current credit cycle and other factors attributable to specific loan classes which have not yet been represented in the gross loss rates or risk grading. These factors include changes in commodity prices or engineering imprecision, which may affect the value of reserves that secure our energy loan portfolio, construction risk that may affect commercial real estate loans, changes in regulations and public policy that may disproportionately impact health care loans and changes in loan products.

Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or loan class. These factors include trends in the economy of our primary lending areas, concentrations in large balance loans and other relevant factors.

An accrual for off-balance sheet credit losses is included in Other liabilities in the Consolidated Balance Sheets. The appropriateness of this accrual is determined in the same manner as the allowance for loan losses.

A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate allowance for credit losses. Recoveries of loans previously charged off are added to the allowance when received.

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
137,742

 
$
58,580

 
$
18,259

 
$
8,106

 
$
27,374

 
$
250,061

Provision for loan losses
 
2,474

 
(2,914
)
 
168

 
598

 
704

 
1,030

Loans charged off
 
(4,429
)
 

 
(168
)
 
(1,228
)
 

 
(5,825
)
Recoveries
 
1,014

 
739

 
134

 
550

 

 
2,437

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
6,301

 
$
84

 
$
38

 
$
8

 
$

 
$
6,431

Provision for off-balance sheet credit losses
 
(976
)
 
(49
)
 
1

 
(6
)
 

 
(1,030
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
1,498

 
$
(2,963
)
 
$
169

 
$
592

 
$
704

 
$


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
140,213

 
$
50,749

 
$
18,224

 
$
8,773

 
$
28,200

 
$
246,159

Provision for loan losses
 
665

 
4,050

 
82

 
1,168

 
(122
)
 
5,843

Loans charged off
 
(6,556
)
 
(76
)
 
(444
)
 
(3,774
)
 

 
(10,850
)
Recoveries
 
2,479

 
1,682

 
531

 
1,859

 

 
6,551

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
11,063

 
$
123

 
$
50

 
$
8

 
$

 
$
11,244

Provision for off-balance sheet credit losses
 
(5,738
)
 
(88
)
 
(11
)
 
(6
)
 

 
(5,843
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(5,073
)
 
$
3,962

 
$
71

 
$
1,162

 
$
(122
)
 
$


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2016 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
145,139

 
$
46,745

 
$
18,690

 
$
6,001

 
$
26,684

 
$
243,259

Provision for loan losses
 
2,420

 
2,551

 
(466
)
 
1,900

 
1,502

 
7,907

Loans charged off
 
(6,266
)
 

 
(285
)
 
(1,550
)
 

 
(8,101
)
Recoveries
 
177

 
521

 
650

 
690

 

 
2,038

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
8,752

 
$
203

 
$
62

 
$
28

 
$

 
$
9,045

Provision for off-balance sheet credit losses
 
2,170

 
(53
)
 
(7
)
 
(17
)
 

 
2,093

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
4,590

 
$
2,498

 
$
(473
)
 
$
1,883

 
$
1,502

 
$
10,000


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2016 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
130,334

 
$
41,391

 
$
19,509

 
$
4,164

 
$
30,126

 
$
225,524

Provision for loan losses
 
45,995

 
7,538

 
(829
)
 
4,809

 
(1,940
)
 
55,573

Loans charged off
 
(35,747
)
 

 
(1,104
)
 
(4,086
)
 

 
(40,937
)
Recoveries
 
888

 
888

 
1,013

 
2,154

 

 
4,943

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
1,506

 
$
153

 
$
30

 
$
22

 
$

 
$
1,711

Provision for off-balance sheet credit losses
 
9,416

 
(3
)
 
25

 
(11
)
 

 
9,427

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
55,411

 
$
7,535

 
$
(804
)
 
$
4,798

 
$
(1,940
)
 
$
65,000



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2017 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,619,034

 
$
123,517

 
$
176,900

 
$
13,284

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,515,167

 
56,405

 
2,975

 

 
3,518,142

 
56,405

Residential mortgage
 
1,900,244

 
18,393

 
45,506

 

 
1,945,750

 
18,393

Personal
 
946,753

 
8,026

 
255

 

 
947,008

 
8,026

Total
 
16,981,198

 
206,341

 
225,636

 
13,284

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,981,198

 
$
206,341

 
$
225,636

 
$
13,284

 
$
17,206,834

 
$
247,703


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2016 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,211,871

 
$
139,416

 
$
178,953

 
$
797

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,803,525

 
50,749

 
5,521

 

 
3,809,046

 
50,749

Residential mortgage
 
1,903,612

 
18,178

 
46,220

 
46

 
1,949,832

 
18,224

Personal
 
839,668

 
8,773

 
290

 

 
839,958

 
8,773

Total
 
16,758,676

 
217,116

 
230,984

 
843

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,758,676

 
$
217,116

 
$
230,984

 
$
843

 
$
16,989,660

 
$
246,159


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2016 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
9,943,699

 
$
134,968

 
$
176,464

 
$
6,502

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,786,248

 
49,817

 
7,350

 

 
3,793,598

 
49,817

Residential mortgage
 
1,820,341

 
18,527

 
52,452

 
62

 
1,872,793

 
18,589

Personal
 
677,546

 
7,041

 
686

 

 
678,232

 
7,041

Total
 
16,227,834

 
210,353

 
236,952

 
6,564

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,227,834

 
$
210,353

 
$
236,952

 
$
6,564

 
$
16,464,786

 
$
245,103


Credit Quality Indicators

The Company utilizes loan class and risk grading as primary credit quality indicators. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on a quarterly evaluation of the borrowers’ ability to repay the loans. Certain commercial loans and most residential mortgage and consumer loans are small, homogeneous pools that are not risk graded. 

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2017 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,750,657

 
$
135,846

 
$
45,277

 
$
955

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,518,142

 
56,405

 

 

 
3,518,142

 
56,405

Residential mortgage
 
226,306

 
3,068

 
1,719,444

 
15,325

 
1,945,750

 
18,393

Personal
 
856,030

 
6,043

 
90,978

 
1,983

 
947,008

 
8,026

Total
 
15,351,135

 
201,362

 
1,855,699

 
18,263

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,351,135

 
$
201,362

 
$
1,855,699

 
$
18,263

 
$
17,206,834

 
$
247,703

 
The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2016 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,360,725

 
$
139,293

 
$
30,099

 
$
920

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,809,046

 
50,749

 

 

 
3,809,046

 
50,749

Residential mortgage
 
243,703

 
2,893

 
1,706,129

 
15,331

 
1,949,832

 
18,224

Personal
 
744,602

 
5,035

 
95,356

 
3,738

 
839,958

 
8,773

Total
 
15,158,076

 
197,970

 
1,831,584

 
19,989

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,158,076

 
$
197,970

 
$
1,831,584

 
$
19,989

 
$
16,989,660

 
$
246,159


The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2016 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,093,884

 
$
140,552

 
$
26,279

 
$
918

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,793,598

 
49,817

 

 

 
3,793,598

 
49,817

Residential mortgage
 
206,430

 
3,028

 
1,666,363

 
15,561

 
1,872,793

 
18,589

Personal
 
586,869

 
4,182

 
91,363

 
2,859

 
678,232

 
7,041

Total
 
14,680,781

 
197,579

 
1,784,005

 
19,338

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,680,781

 
$
197,579

 
$
1,784,005

 
$
19,338

 
$
16,464,786

 
$
245,103



Loans are considered to be performing if they are in compliance with the original terms of the agreement and currently exhibit no factors that cause management to have doubts about the borrowers' ability to remain in compliance with the original terms of the agreement, which is consistent with the regulatory guideline of “pass.” Performing loans also include past due residential mortgages that are guaranteed by agencies of the U.S. government that continue to accrue interest based on criteria of the guarantors' programs. Other loans especially mentioned are currently performing in compliance with the original terms of the agreement but may have a potential weakness that deserves management’s close attention, consistent with regulatory guidelines. 

The risk grading process identified certain loans that have a well-defined weakness (e.g. inadequate debt service coverage or liquidity or marginal capitalization; repayment may depend on collateral or other risk mitigation) that may jeopardize liquidation of the debt and represent a greater risk due to deterioration in the financial condition of the borrower. This is consistent with the regulatory guideline for “substandard.” Because the borrowers are still performing in accordance with the original terms of the loan agreements, these loans were not placed in nonaccruing status. 

Nonaccruing loans represent loans for which full collection of principal and interest is uncertain. This is substantially the same criteria used to determine whether a loan is impaired and includes certain loans considered “substandard” and all loans considered “doubtful” by regulatory guidelines.

The following table summarizes the Company’s loan portfolio at September 30, 2017 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,436,465

 
$
114,065

 
$
206,768

 
$
110,683

 
$

 
$

 
$
2,867,981

Services
 
2,932,577

 
26,372

 
7,390

 
1,174

 

 

 
2,967,513

Wholesale/retail
 
1,637,698

 
9,021

 
9,486

 
1,893

 

 

 
1,658,098

Manufacturing
 
486,383

 
7,181

 
16,823

 
9,059

 

 

 
519,446

Healthcare
 
2,150,099

 
31,855

 
33,051

 
24,446

 

 

 
2,239,451

Other commercial and industrial
 
458,796

 
52

 
9,820

 
29,500

 
45,132

 
145

 
543,445

Total commercial
 
10,102,018

 
188,546

 
283,338

 
176,755

 
45,132

 
145

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
110,178

 

 

 
1,924

 

 

 
112,102

Retail
 
724,887

 
689

 

 
289

 

 

 
725,865

Office
 
788,539

 
8,275

 

 
275

 

 

 
797,089

Multifamily
 
998,125

 

 
884

 

 

 

 
999,009

Industrial
 
591,080

 

 

 

 

 

 
591,080

Other commercial real estate
 
292,509

 

 
1

 
487

 

 

 
292,997

Total commercial real estate
 
3,505,318

 
8,964

 
885

 
2,975

 

 

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
224,235

 
393

 
462

 
1,216

 
764,252

 
23,407

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
178,479

 
8,891

 
187,370

Home equity
 

 

 

 

 
732,423

 
11,992

 
744,415

Total residential mortgage
 
224,235

 
393

 
462

 
1,216

 
1,675,154

 
44,290

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
855,857

 
49

 
38

 
86

 
90,809

 
169

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,687,428

 
$
197,952

 
$
284,723

 
$
181,032

 
$
1,811,095

 
$
44,604

 
$
17,206,834



The following table summarizes the Company’s loan portfolio at December 31, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,937,790

 
$
119,583

 
$
307,996

 
$
132,499

 
$

 
$

 
$
2,497,868

Services
 
3,052,002

 
10,960

 
37,855

 
8,173

 

 

 
3,108,990

Wholesale/retail
 
1,535,463

 
16,886

 
13,062

 
11,407

 

 

 
1,576,818

Manufacturing
 
468,314

 
26,532

 
15,198

 
4,931

 

 

 
514,975

Healthcare
 
2,140,458

 
44,472

 
16,161

 
825

 

 

 
2,201,916

Other commercial and industrial
 
433,789

 
5,309

 

 
21,060

 
30,041

 
58

 
490,257

Total commercial
 
9,567,816

 
223,742

 
390,272

 
178,895

 
30,041

 
58

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
131,630

 

 
470

 
3,433

 

 

 
135,533

Retail
 
756,418

 
4,745

 
399

 
326

 

 

 
761,888

Office
 
798,462

 

 

 
426

 

 

 
798,888

Multifamily
 
898,800

 

 
4,434

 
38

 

 

 
903,272

Industrial
 
871,673

 

 

 
76

 

 

 
871,749

Other commercial real estate
 
336,488

 

 
6

 
1,222

 

 

 
337,716

Total commercial real estate
 
3,793,471

 
4,745

 
5,309

 
5,521

 

 

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
741,679

 
21,438

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
187,541

 
11,846

 
199,387

Home equity
 

 

 

 

 
732,106

 
11,519

 
743,625

Total residential mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
1,661,326

 
44,803

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
743,451

 

 
1,054

 
97

 
95,163

 
193

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,343,507

 
$
229,673

 
$
398,966

 
$
185,930

 
$
1,786,530

 
$
45,054

 
$
16,989,660


The following table summarizes the Company’s loan portfolio at September 30, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,869,598

 
$
147,153

 
$
361,087

 
$
142,966

 
$

 
$

 
$
2,520,804

Services
 
2,882,065

 
14,861

 
31,196

 
8,477

 

 

 
2,936,599

Wholesale/retail
 
1,557,067

 
15,337

 
27,173

 
2,453

 

 

 
1,602,030

Manufacturing
 
470,702

 
8,774

 
19,736

 
274

 

 

 
499,486

Healthcare
 
2,022,757

 
42,224

 
19,210

 
855

 

 

 
2,085,046

Other commercial and industrial
 
415,769

 
2,478

 
10,302

 
21,370

 
26,210

 
69

 
476,198

Total commercial
 
9,217,958

 
230,827

 
468,704

 
176,395

 
26,210

 
69

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
155,737

 

 
470

 
3,739

 

 

 
159,946

Retail
 
794,920

 
4,802

 
406

 
1,249

 

 

 
801,377

Office
 
750,924

 
899

 

 
882

 

 

 
752,705

Multifamily
 
868,501

 

 
5,221

 
51

 

 

 
873,773

Industrial
 
837,945

 

 

 
76

 

 

 
838,021

Other commercial real estate
 
366,416

 

 
7

 
1,353

 

 

 
367,776

Total commercial real estate
 
3,774,443

 
5,701

 
6,104

 
7,350

 

 

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
739,686

 
23,442

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
174,877

 
15,432

 
190,309

Home equity
 

 

 

 

 
701,862

 
11,064

 
712,926

Total residential mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
1,616,425

 
49,938

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
585,287

 
228

 
923

 
431

 
91,108

 
255

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,778,278

 
$
237,948

 
$
477,865

 
$
186,690

 
$
1,733,743

 
$
50,262

 
$
16,464,786




Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):
 
As of
 
For the
 
For the
 
September 30, 2017
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2017
 
September 30, 2017
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
133,643

 
$
110,683

 
$
45,169

 
$
65,514

 
$
4,944

 
$
117,338

 
$

 
$
121,591

 
$

Services
3,838

 
1,174

 
1,174

 

 

 
4,464

 

 
4,674

 

Wholesale/retail
8,418

 
1,893

 
1,893

 

 

 
6,256

 

 
6,650

 

Manufacturing
9,674

 
9,059

 
9,059

 

 

 
9,357

 

 
6,995

 

Healthcare
24,591

 
24,446

 
474

 
23,972

 
8,323

 
24,476

 

 
12,635

 

Other commercial and industrial
38,222

 
29,645

 
29,626

 
19

 
17

 
25,138

 

 
25,382

 

Total commercial
218,386

 
176,900

 
87,395

 
89,505

 
13,284

 
187,029

 

 
177,927

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
3,532

 
1,924

 
1,924

 

 

 
1,988

 

 
2,679

 

Retail
513

 
289

 
289

 

 

 
295

 

 
308

 

Office
287

 
275

 
275

 

 

 
335

 

 
351

 

Multifamily

 

 

 

 

 
5

 

 
19

 

Industrial

 

 

 

 

 

 

 
38

 

Other commercial real estate
671

 
487

 
487

 

 

 
752

 

 
855

 

Total commercial real estate
5,003

 
2,975

 
2,975

 

 

 
3,375

 

 
4,250

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
29,861

 
24,623

 
24,623

 

 

 
24,019

 
315

 
23,739

 
912

Permanent mortgage guaranteed by U.S. government agencies1
193,594

 
187,370

 
187,370

 

 

 
188,461

 
1,884

 
199,532

 
5,809

Home equity
13,332

 
11,992

 
11,992

 

 

 
11,880

 

 
11,755

 

Total residential mortgage
236,787

 
223,985

 
223,985

 

 

 
224,360

 
2,199

 
235,026

 
6,721

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
290

 
255

 
255

 

 

 
263

 

 
273

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
460,466

 
$
404,115

 
$
314,610

 
$
89,505

 
$
13,284

 
$
415,027

 
$
2,199

 
$
417,476

 
$
6,721

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2017, $8.9 million of these loans were nonaccruing and $178 million were accruing based on the guarantee by U.S. government agencies.

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered.

A summary of impaired loans at December 31, 2016 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
146,897

 
$
132,499

 
$
121,418

 
$
11,081

 
$
762

Services
 
11,723

 
8,173

 
8,173

 

 

Wholesale/retail
 
17,669

 
11,407

 
11,407

 

 

Manufacturing
 
5,320

 
4,931

 
4,931

 

 

Healthcare
 
1,147

 
825

 
825

 

 

Other commercial and industrial
 
29,006

 
21,118

 
21,083

 
35

 
35

Total commercial
 
211,762

 
178,953

 
167,837

 
11,116

 
797

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
4,951

 
3,433

 
3,433

 

 

Retail
 
530

 
326

 
326

 

 

Office
 
521

 
426

 
426

 

 

Multifamily
 
1,000

 
38

 
38

 

 

Industrial
 
76

 
76

 
76

 

 

Other commercial real estate
 
7,349

 
1,222

 
1,222

 

 

Total commercial real estate
 
14,427

 
5,521

 
5,521

 

 

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
28,830

 
22,855

 
22,809

 
46

 
46

Permanent mortgage guaranteed by U.S. government agencies1
 
205,564

 
199,387

 
199,387

 

 

Home equity
 
12,611

 
11,519

 
11,519

 

 

Total residential mortgage
 
247,005

 
233,761

 
233,715

 
46

 
46

 
 
 
 
 
 
 
 
 
 
 
Personal
 
332

 
290

 
290

 

 

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
473,526

 
$
418,525

 
$
407,363

 
$
11,162

 
$
843

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2016, $12 million of these loans were nonaccruing and $188 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at September 30, 2016 follows (in thousands): 
 
 
 
For the
 
For the
 
As of September 30, 2016
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2016
 
September 30, 2016
 
Unpaid Principal Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
179,578

 
$
142,966

 
$
100,300

 
$
42,666

 
$
6,502

 
$
155,555

 
$

 
$
85,333

 
$

Services
11,858

 
8,477

 
8,477

 

 

 
8,932

 

 
9,384

 

Wholesale/retail
8,528

 
2,453

 
2,453

 

 

 
2,613

 

 
2,686

 

Manufacturing
642

 
274

 
274

 

 

 
284

 

 
303

 

Healthcare
1,168

 
855

 
855

 

 

 
865

 

 
964

 

Other commercial and industrial
29,176

 
21,439

 
21,439

 

 

 
10,978

 

 
11,031

 

Total commercial
230,950

 
176,464

 
133,798

 
42,666

 
6,502

 
179,227

 

 
109,701

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
6,090

 
3,739

 
3,739

 

 

 
4,000

 

 
4,074

 

Retail
1,914

 
1,249

 
1,249

 

 

 
1,257

 

 
1,284

 

Office
1,187

 
882

 
882

 

 

 
744

 

 
766

 

Multifamily
1,000

 
51

 
51

 

 

 
58

 

 
163

 

Industrial
76

 
76

 
76

 

 

 
76

 

 
76

 

Other commercial real estate
7,375

 
1,353

 
1,353

 

 

 
1,430

 

 
1,813

 

Total commercial real estate
17,642

 
7,350

 
7,350

 

 

 
7,565

 

 
8,176

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
32,372

 
25,956

 
25,847

 
109

 
62

 
26,592

 
292

 
27,470

 
923

Permanent mortgage guaranteed by U.S. government agencies1
196,162

 
190,309

 
190,309

 

 

 
190,547

 
2,098

 
193,879

 
5,893

Home equity
12,099

 
11,064

 
11,064

 

 

 
10,578

 

 
10,710

 

Total residential mortgage
240,633

 
227,329

 
227,220

 
109

 
62

 
227,717

 
2,390

 
232,059

 
6,816

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
724

 
686

 
686

 

 

 
520

 

 
575

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
489,949

 
$
411,829

 
$
369,054

 
$
42,775

 
$
6,564

 
$
415,029

 
$
2,390

 
$
350,511

 
$
6,816

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2016, $15 million of these loans were nonaccruing and $175 million were accruing based on the guarantee by U.S. government agencies.

Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of September 30, 2017 is as follows (in thousands):
 
 
As of September 30, 2017
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
9,582

 
$
9,506

 
$
76

 
$

 
$
4,322

 
$
4,322

Services
 
720

 
103

 
617

 

 
7

 
10

Wholesale/retail
 
1,802

 

 
1,802

 

 

 

Manufacturing
 
180

 
180

 

 

 

 

Healthcare
 

 

 

 

 

 

Other commercial and industrial
 
20,097

 
19,890

 
207

 

 

 

Total commercial
 
32,381

 
29,679

 
2,702

 

 
4,329

 
4,332

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
327

 
91

 
236

 

 

 

Retail
 
289

 
289

 

 

 

 

Office
 

 

 

 

 

 

Multifamily
 

 

 

 

 

 

Industrial
 

 

 

 

 

 

Other commercial real estate
 
353

 
353

 

 

 

 

Total commercial real estate
 
969

 
733

 
236

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
14,765

 
10,188

 
4,577

 

 

 

Permanent mortgage guaranteed by U.S. government agencies
 
5,601

 
523

 
5,078

 

 

 

Home equity
 
5,625

 
4,213

 
1,412

 

 
39

 
70

Total residential mortgage
 
25,991

 
14,924

 
11,067

 

 
39

 
70

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
205

 
195

 
10

 

 
2

 
10

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
59,546

 
$
45,531

 
$
14,015

 
$

 
$
4,370

 
$
4,412

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
69,440

 
14,948

 
54,492

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
128,986

 
$
60,479

 
$
68,507

 
$

 
$
4,370

 
$
4,412


A summary of troubled debt restructurings by accruing status as of December 31, 2016 is as follows (in thousands):
 
 
As of
 
 
December 31, 2016
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
16,893

 
$
10,867

 
$
6,026

 
$

Services
 
7,527

 
6,830

 
697

 

Wholesale/retail
 
11,291

 
11,251

 
40

 

Manufacturing
 
224

 
224

 

 

Healthcare
 
607

 

 
607

 

Other commercial and industrial
 
337

 
53

 
284

 

Total commercial
 
36,879

 
29,225

 
7,654

 

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Residential construction and land development
 
690

 
97

 
593

 

Retail
 
326

 
326

 

 

Office
 
143

 
143

 

 

Multifamily
 

 

 

 

Industrial
 

 

 

 

Other commercial real estate
 
548

 
548

 

 

Total commercial real estate
 
1,707

 
1,114

 
593

 

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
14,876

 
10,175

 
4,701

 
46

Permanent mortgage guaranteed by U.S. government agencies
 
6,702

 
2,241

 
4,461

 

Home equity
 
5,346

 
4,458

 
888

 

Total residential mortgage
 
26,924

 
16,874

 
10,050

 
46

 
 
 
 
 
 
 
 
 
Personal
 
237

 
236

 
1

 

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
65,747

 
$
47,449

 
$
18,298

 
$
46

 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
81,370

 
27,289

 
54,081

 

 
 
 
 
 
 
 
 
 
Total TDRs
 
$
147,117

 
$
74,738

 
$
72,379

 
$
46


A summary of troubled debt restructurings by accruing status as of September 30, 2016 is as follows (in thousands):
 
 
As of September 30, 2016
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,746

 
$

 
$
1,746

 
$

 
$
500

 
$
1,000

Services
 
7,761

 
7,034

 
727

 

 

 

Wholesale/retail
 
2,327

 
2,287

 
40

 

 

 

Manufacturing
 
238

 
238

 

 

 

 

Healthcare
 
623

 

 
623

 

 

 

Other commercial and industrial
 
497

 
61

 
436

 

 

 
57

Total commercial
 
13,192

 
9,620

 
3,572

 

 
500

 
1,057

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
794

 
359

 
435

 

 

 

Retail
 
1,249

 
892

 
357

 

 

 

Office
 
149

 
149

 

 

 

 

Multifamily
 

 

 

 

 

 

Industrial
 

 

 

 

 

 

Other commercial real estate
 
666

 
666

 

 

 

 

Total commercial real estate
 
2,858

 
2,066

 
792

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
16,109

 
11,944

 
4,165

 
62

 

 
2

Permanent mortgage guaranteed by U.S. government agencies
 
8,220

 
2,331

 
5,889

 

 

 

Home equity
 
5,168

 
4,667

 
501

 

 
34

 
153

Total residential mortgage
 
29,497

 
18,942

 
10,555

 
62

 
34

 
155

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
273

 
271

 
2

 

 
9

 
18

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
45,820

 
$
30,899

 
$
14,921

 
$
62

 
$
543

 
$
1,230

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
80,306

 
29,020

 
51,286

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
126,126

 
$
59,919

 
$
66,207

 
$
62

 
$
543

 
$
1,230


Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at September 30, 2017 by class that were restructured during the three months ended September 30, 2017 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$

 
$

 
$

 
$

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 
60

 
60

 
60

Total commercial

 

 

 

 
60

 
60

 
60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 
969

 
506

 
1,475

 
1,475

Permanent mortgage guaranteed by U.S. government agencies
8,205

 
620

 
8,825

 
315

 

 
315

 
9,140

Home equity

 

 

 

 
469

 
469

 
469

Total residential mortgage
8,205

 
620

 
8,825

 
1,284

 
975

 
2,259

 
11,084

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
4

 
4

 
4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
8,205

 
$
620

 
$
8,825

 
$
1,284

 
$
1,039

 
$
2,323

 
$
11,148


 
Nine Months Ended
Sept. 30, 2017
 
Accruing
Nonaccrual
 
Total
 
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$

 
$

 
$

 
$
7,781

 
$

 
$
7,781

 
$
7,781

Services
 

 

 

 

 

 

 

Wholesale/retail
 

 

 

 

 

 

 

Manufacturing
 

 

 

 

 

 

 

Healthcare
 

 

 

 

 

 

 

Other commercial and industrial
 

 

 

 
19,825

 
60

 
19,885

 
19,885

Total commercial
 

 

 

 
27,606

 
60

 
27,666

 
27,666

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
 

 

 

 

 

 

 

Retail
 

 

 

 

 

 

 

Office
 

 

 

 

 

 

 

Multifamily
 

 

 

 

 

 

 

Industrial
 

 

 

 

 

 

 

Other commercial real estate
 

 

 

 

 

 

 

Total commercial real estate
 

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 

 

 

 
153

 
1,559

 
1,712

 
1,712

Permanent mortgage guaranteed by U.S. government agencies
 
18,678

 
2,649

 
21,327

 
443

 
85

 
528

 
21,855

Home equity
 

 

 

 
104

 
1,468

 
1,572

 
1,572

Total residential mortgage
 
18,678

 
2,649

 
21,327

 
700

 
3,112

 
3,812

 
25,139

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 

 

 

 

 
48

 
48

 
48

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
18,678

 
$
2,649

 
$
21,327

 
$
28,306

 
$
3,220

 
$
31,526

 
$
52,853


Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during three months ended September 30, 2016 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$

 
$

 
$

 
$

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

 

Total commercial

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 

 
151

 
151

 
151

Permanent mortgage guaranteed by U.S. government agencies
3,527

 
4,211

 
7,738

 

 
287

 
287

 
8,025

Home equity

 

 

 

 
920

 
920

 
920

Total residential mortgage
3,527

 
4,211

 
7,738

 

 
1,358

 
1,358

 
9,096

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
19

 
19

 
19

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
3,527

 
$
4,211

 
$
7,738

 
$

 
$
1,377

 
$
1,377

 
$
9,115


 
Nine Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$
501

 
$

 
$
501

 
$
501

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

 

Total commercial

 

 

 
501

 

 
501

 
501

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 
1,037

 
1,051

 
2,088

 
2,088

Permanent mortgage guaranteed by U.S. government agencies
9,687

 
9,350

 
19,037

 

 
982

 
982

 
20,019

Home equity

 

 

 
48

 
1,630

 
1,678

 
1,678

Total residential mortgage
9,687

 
9,350

 
19,037

 
1,085

 
3,663

 
4,748

 
23,785

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
82

 
82

 
82

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
9,687

 
$
9,350

 
$
19,037

 
$
1,586

 
$
3,745

 
$
5,331

 
$
24,368


The following table summarizes, by loan class, the recorded investment at September 30, 2017 and 2016, respectively, of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2017 and 2016, respectively (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$
7,857

 
$
7,857

 
$

 
$
9,582

 
$
9,582

Services

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

Manufacturing

 

 

 

 

 

Healthcare

 

 

 

 

 

Other commercial and industrial

 

 

 

 
19,825

 
19,825

Total commercial

 
7,857

 
7,857

 

 
29,407

 
29,407

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

Retail

 

 

 

 

 

Office

 

 

 

 

 

Multifamily

 

 

 

 

 

Industrial

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 
1,511

 
1,511

 

 
1,511

 
1,511

Permanent mortgage guaranteed by U.S. government agencies
23,620

 
878

 
24,498

 
24,349

 
878

 
25,227

Home equity

 
1,030

 
1,030

 

 
1,139

 
1,139

Total residential mortgage
23,620

 
3,419

 
27,039

 
24,349

 
3,528

 
27,877

 
 
 
 
 
 
 
 
 
 
 
 
Personal

 
10

 
10

 

 
10

 
10

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
23,620

 
$
11,286

 
$
34,906

 
$
24,349

 
$
32,945

 
$
57,294


A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.
 
Three Months Ended
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$
1,746

 
$
1,746

 
$

 
$
1,746

 
$
1,746

Services

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

Manufacturing

 

 

 

 

 

Healthcare

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

Total commercial

 
1,746

 
1,746

 

 
1,746

 
1,746

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

Retail

 

 

 

 

 

Office

 

 

 

 

 

Multifamily

 

 

 

 

 

Industrial

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 
298

 
298

 

 
542

 
542

Permanent mortgage guaranteed by U.S. government agencies
17,491

 
1,095

 
18,586

 
19,352

 
1,121

 
20,473

Home equity

 
258

 
258

 

 
258

 
258

Total residential mortgage
17,491

 
1,651

 
19,142

 
19,352

 
1,921

 
21,273

 
 
 
 
 
 
 
 
 
 
 
 
Personal

 
11

 
11

 

 
11

 
11

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
17,491

 
$
3,408

 
$
20,899

 
$
19,352

 
$
3,678

 
$
23,030


Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2017 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,752,259

 
$

 
$
5,039

 
$

 
$
110,683

 
$
2,867,981

Services
 
2,963,746

 
2,343

 
250

 

 
1,174

 
2,967,513

Wholesale/retail
 
1,654,018

 
1,748

 
409

 
30

 
1,893

 
1,658,098

Manufacturing
 
508,231

 

 
2,156

 

 
9,059

 
519,446

Healthcare
 
2,214,849

 
156

 

 

 
24,446

 
2,239,451

Other commercial and industrial
 
513,748

 
52

 

 

 
29,645

 
543,445

Total commercial
 
10,606,851

 
4,299

 
7,854

 
30

 
176,900

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
109,994

 
184

 

 

 
1,924

 
112,102

Retail
 
724,850

 
726

 

 

 
289

 
725,865

Office
 
796,687

 
127

 

 

 
275

 
797,089

Multifamily
 
999,009

 

 

 

 

 
999,009

Industrial
 
591,080

 

 

 

 

 
591,080

Other commercial real estate
 
292,322

 
1

 

 
187

 
487

 
292,997

Total commercial real estate
 
3,513,942

 
1,038

 

 
187

 
2,975

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
985,183

 
3,705

 
454

 

 
24,623

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 
25,169

 
17,346

 
13,343

 
122,621

 
8,891

 
187,370

Home equity
 
728,884

 
3,066

 
445

 
28

 
11,992

 
744,415

Total residential mortgage
 
1,739,236

 
24,117

 
14,242

 
122,649

 
45,506

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
943,368

 
3,296

 
81

 
8

 
255

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,803,397

 
$
32,750

 
$
22,177

 
$
122,874

 
$
225,636

 
$
17,206,834


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,364,890

 
$
479

 

 
$

 
$
132,499

 
$
2,497,868

Services
 
3,099,605

 
191

 
1,021

 

 
8,173

 
3,108,990

Wholesale/retail
 
1,561,650

 
3,761

 

 

 
11,407

 
1,576,818

Manufacturing
 
509,662

 
382

 

 

 
4,931

 
514,975

Healthcare
 
2,201,050

 

 
41

 

 
825

 
2,201,916

Other commercial and industrial
 
468,981

 
155

 
3

 

 
21,118

 
490,257

Total commercial
 
10,205,838

 
4,968

 
1,065

 

 
178,953

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
132,100

 

 

 

 
3,433

 
135,533

Retail
 
761,562

 

 

 

 
326

 
761,888

Office
 
798,462

 

 

 

 
426

 
798,888

Multifamily
 
903,234

 

 

 

 
38

 
903,272

Industrial
 
871,673

 

 

 

 
76

 
871,749

Other commercial real estate
 
336,488

 
6

 

 

 
1,222

 
337,716

Total commercial real estate
 
3,803,519

 
6

 

 

 
5,521

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
979,386

 
3,299

 
1,280

 

 
22,855

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 
40,594

 
17,465

 
13,803

 
115,679

 
11,846

 
199,387

Home equity
 
729,493

 
2,276

 
337

 

 
11,519

 
743,625

Total residential mortgage
 
1,749,473

 
23,040

 
15,420

 
115,679

 
46,220

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
838,811

 
589

 
263

 
5

 
290

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,597,641

 
$
28,603

 
16,748

 
$
115,684

 
$
230,984

 
$
16,989,660


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,365,850

 
$
11,988

 

 
$

 
$
142,966

 
$
2,520,804

Services
 
2,923,874

 
502

 
39

 
3,707

 
8,477

 
2,936,599

Wholesale/retail
 
1,599,356

 
221

 

 

 
2,453

 
1,602,030

Manufacturing
 
499,212

 

 

 

 
274

 
499,486

Healthcare
 
2,083,556

 
635

 

 

 
855

 
2,085,046

Other commercial and industrial
 
454,538

 
34

 
68

 
119

 
21,439

 
476,198

Total commercial
 
9,926,386

 
13,380

 
107

 
3,826

 
176,464

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
156,207

 

 

 

 
3,739

 
159,946

Retail
 
796,362

 
3,766

 

 

 
1,249

 
801,377

Office
 
751,823

 

 

 

 
882

 
752,705

Multifamily
 
868,591

 

 
5,131

 

 
51

 
873,773

Industrial
 
837,945

 

 

 

 
76

 
838,021

Other commercial real estate
 
366,416

 
7

 

 

 
1,353

 
367,776

Total commercial real estate
 
3,777,344

 
3,773

 
5,131

 

 
7,350

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
939,853

 
3,547

 
202

 

 
25,956

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 
41,150

 
17,364

 
12,963

 
103,400

 
15,432

 
190,309

Home equity
 
700,031

 
1,526

 
305

 

 
11,064

 
712,926

Total residential mortgage
 
1,681,034

 
22,437

 
13,470

 
103,400

 
52,452

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
677,194

 
191

 
148

 
13

 
686

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,061,958

 
$
39,781

 
18,856

 
$
107,239

 
$
236,952

 
$
16,464,786

v3.8.0.1
Acquisitions
9 Months Ended
Sep. 30, 2017
Business Combinations [Abstract]  
Business Combination Disclosure [Text Block]
Acquisitions

On December 1, 2016, the Company acquired MBT Bancshares (“MBT”), parent company of Missouri Bank and Trust of Kansas City (“Mobank”) following regulatory approval of the transaction. Mobank operated four banking branches in the Kansas City, Mo. area. BOK Financial paid $102.5 million in an all-cash deal for all outstanding shares of MBT stock. MBT was merged into BOK Financial and Mobank became a wholly owned subsidiary of BOK Financial on December 1, 2016. On February 21, 2017, Mobank was merged with the Bank of Kansas City division of BOKF, NA. All branches in the Kansas City market will operate under the Mobank name. The preliminary purchase price allocation was updated in the first quarter of 2017 resulting in a $2.0 million increase in identifiable intangibles, $1.5 million decrease in premises and equipment and other repossessed assets, and a $526 thousand decrease in goodwill.
v3.8.0.1
Mortgage Banking Activities
9 Months Ended
Sep. 30, 2017
Mortgage Banking [Abstract]  
Mortgage Banking Activities [Text Block]
Mortgage Banking Activities

Residential Mortgage Loan Production

The Company originates, markets and services conventional and government-sponsored residential mortgage loans. Generally, conforming fixed rate residential mortgage loans are held for sale in the secondary market and non-conforming and adjustable-rate residential mortgage loans are retained for investment. Residential mortgage loans originated for sale by the Company are carried at fair value based on sales commitments and market quotes. Changes in the fair value of mortgage loans held for sale are included in Other operating revenue – Mortgage banking revenue. Residential mortgage loans held for sale also includes the fair value of residential mortgage loan commitments and forward sale commitments which are considered derivative contracts that have not been designated as hedging instruments for accounting purposes. The volume of mortgage loans originated for sale and secondary market prices are the primary drivers of originating and marketing revenue.

Residential mortgage loan commitments are generally outstanding for 60 to 90 days, which represents the typical period from commitment to originate a residential mortgage loan to when the closed loan is sold to an investor. Residential mortgage loan commitments are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales of residential mortgage-backed securities and forward sales contracts. These latter contracts set the price for loans that will be delivered in the next 60 to 90 days.

The unpaid principal balance of residential mortgage loans held for sale, notional amounts of derivative contracts related to residential mortgage loan commitments and forward contract sales and their related fair values included in Mortgage loans held for sale on the Consolidated Balance Sheets were (in thousands):
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Unpaid Principal Balance/
Notional
 
Fair Value
 
Unpaid Principal Balance/
Notional
 
Fair Value
 
Unpaid
Principal
 Balance/
Notional
 
Fair Value
Residential mortgage loans held for sale
 
$
261,868

 
$
265,783

 
$
286,414

 
$
286,971

 
$
422,523

 
$
433,040

Residential mortgage loan commitments
 
334,337

 
9,066

 
318,359

 
9,733

 
630,804

 
18,598

Forward sales contracts
 
524,878

 
794

 
569,543

 
5,193

 
929,907

 
(4,046
)
 
 
 

 
$
275,643

 
 

 
$
301,897

 
 

 
$
447,592



No residential mortgage loans held for sale were 90 days or more past due or considered impaired as of September 30, 2017, December 31, 2016 or September 30, 2016. No credit losses were recognized on residential mortgage loans held for sale for the three and nine month periods ended September 30, 2017 and 2016.
Mortgage banking revenue was as follows (in thousands):
 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Production revenue:
 
 
 
 
 
 
 
 
Net realized gains on sale of mortgage loans
 
$
12,041

 
$
23,110

 
$
32,443

 
$
47,424

Net change in unrealized gain on mortgage loans held for sale
 
(1,492
)
 
(2,518
)
 
3,335

 
4,649

Net change in the fair value of mortgage loan commitments
 
(1,927
)
 
(6,901
)
 
(667
)
 
10,464

Net change in the fair value of forward sales contracts
 
(293
)
 
8,267

 
(4,399
)
 
(4,846
)
Total production revenue
 
8,329

 
21,958

 
30,712

 
57,691

Servicing revenue
 
16,561

 
16,558

 
49,645

 
47,809

Total mortgage banking revenue
 
$
24,890

 
$
38,516

 
$
80,357

 
$
105,500



Production revenue includes gain (loss) on residential mortgage loans held for sale and changes in the fair value of derivative contracts not designated as hedging instruments for accounting purposes related to residential mortgage loan commitments and forward sales contracts. Servicing revenue includes servicing fee income and late charges on loans serviced for others.

Residential Mortgage Servicing

Mortgage servicing rights may be originated or purchased. Both originated and purchased mortgage servicing rights are initially recognized at fair value. The Company has elected to carry all mortgage servicing rights at fair value. Changes in the fair value are recognized in earnings as they occur. The unpaid principal balance of loans serviced for others is the primary driver of servicing revenue.

The following represents a summary of mortgage servicing rights (Dollars in thousands):
 
 
September 30,
2017
 
December 31, 2016
 
September 30,
2016
Number of residential mortgage loans serviced for others
 
137,359

 
139,340

 
139,587

Outstanding principal balance of residential mortgage loans serviced for others
 
$
22,063,121

 
$
21,997,568

 
$
21,851,536

Weighted average interest rate
 
3.95
%
 
3.97
%
 
4.01
%
Remaining term (in months)
 
298

 
301

 
302



Activity in capitalized mortgage servicing rights during the three months ended September 30, 2017 was as follows (in thousands):
 
 
Purchased
 
Originated
 
Total
Balance, June 30, 2017
 
$
7,995

 
$
237,244

 
$
245,239

Additions, net
 

 
9,925

 
9,925

Change in fair value due to principal payments
 
(470
)
 
(8,197
)
 
(8,667
)
Change in fair value due to market assumption changes
 
303

 
(942
)
 
(639
)
Balance, September 30, 2017
 
$
7,828

 
$
238,030

 
$
245,858

 
 
Purchased
 
Originated
 
Total
Balance, December 31, 2016
 
$
8,909

 
$
238,164

 
$
247,073

Additions, net
 

 
29,439

 
29,439

Change in fair value due to principal payments
 
(1,443
)
 
(23,485
)
 
(24,928
)
Change in fair value due to market assumption changes
 
362

 
(6,088
)
 
(5,726
)
Balance, September 30, 2017
 
$
7,828

 
$
238,030

 
$
245,858

Activity in capitalized mortgage servicing rights during the three months ended September 30, 2016 was as follows (in thousands):
 
 
Purchased
 
Originated
 
Total
Balance, June 30, 2016
 
$
4,067

 
$
186,680

 
$
190,747

Additions, net
 

 
21,990

 
21,990

Change in fair value due to scheduled payments and full-balance payoffs
 
(753
)
 
(10,690
)
 
(11,443
)
Change in fair value due to market assumption changes
 
251

 
2,076

 
2,327

Balance, September 30, 2016
 
$
3,565

 
$
200,056

 
$
203,621


 
 
Purchased
 
Originated
 
Total
Balance, December 31, 2015
 
$
9,911

 
$
208,694

 
$
218,605

Additions, net
 

 
56,345

 
56,345

Change in fair value due to scheduled payments and full-balance payoffs
 
(2,109
)
 
(27,276
)
 
(29,385
)
Change in fair value due to market assumption changes
 
(4,237
)
 
(37,707
)
 
(41,944
)
Balance, September 30, 2016
 
$
3,565

 
$
200,056

 
$
203,621



Changes in the fair value of mortgage servicing rights are included in Other operating revenue in the Consolidated Statements of Earnings. Changes in fair value due to actual loan payments are included in Mortgage banking costs. Changes in fair value due to market assumption changes are reported separately. Changes in fair value due to market assumption changes during the period relate to assets held at the reporting date.

There is no active market for trading in mortgage servicing rights after origination. Fair value is determined by discounting the projected net cash flows. Significant assumptions used to determine fair value based on significant unobservable inputs were as follows:
 
 
September 30,
2017
 
December 31, 2016
 
September 30,
2016
Discount rate – risk-free rate plus a market premium
 
9.84%
 
10.08%
 
10.08%
Prepayment rate - based upon loan interest rate, original term and loan type
 
8.71%-15.43%
 
8.98%-16.91%
 
9.16%-47.15%
Loan servicing costs – annually per loan based upon loan type:
 
 
 
 
 
 
Performing loans
 
$65-$120
 
$63 - $120
 
$63 - $120
Delinquent loans
 
$150-$500
 
$150 - $500
 
$150 - $500
Loans in foreclosure
 
$1,000-$4,250
 
$650 - $4,250
 
$650 - $4,250
Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life
 
2.00%
 
1.98%
 
1.18%
Primary/secondary mortgage rate spread
 
105 bps
 
105 bps
 
115 bps


Changes in primary residential mortgage interest rates directly affect the prepayment speeds used in valuing our mortgage servicing rights. A separate third party model is used to estimate prepayment speeds based on interest rates, housing turnover rates, estimated loan curtailment, anticipated defaults and other relevant factors. The prepayment model is updated periodically for changes in market conditions and adjusted to better correlate with actual performance of BOK Financial’s servicing portfolio.

The aging status of our mortgage loans serviced for others by investor at September 30, 2017 follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89
Days
 
90 Days or More
 
Total
FHLMC
 
$
8,021,016

 
$
78,542

 
$
13,100

 
$
26,171

 
$
8,138,829

FNMA
 
6,635,428

 
76,065

 
10,398

 
20,596

 
6,742,487

GNMA
 
6,376,127

 
215,506

 
59,659

 
20,925

 
6,672,217

Other
 
502,768

 
3,492

 
1,167

 
2,161

 
509,588

Total
 
$
21,535,339

 
$
373,605

 
$
84,324

 
$
69,853

 
$
22,063,121

v3.8.0.1
Commitments and Contingent Liabilities
9 Months Ended
Sep. 30, 2017
Commitments and Contingencies Disclosure [Abstract]  
Commitments and Contingent Liabilities [Text Block]
Commitments and Contingent Liabilities

Litigation Contingencies

As a member of Visa, BOK Financial is obligated for a proportionate share of certain covered litigation losses incurred by Visa under a retrospective responsibility plan. A contingent liability was recognized for the Company’s share of Visa’s covered litigation liabilities. Visa funded an escrow account to cover litigation claims, including covered litigation losses under the retrospective responsibility plan, with proceeds from its initial public offering in 2008 and from available cash.
BOK Financial currently owns 252,233 Visa Class B shares which are convertible into 415,755 shares of Visa Class A shares after the final settlement of all covered litigation. Class B shares may be diluted in the future if the escrow fund is not adequate to cover future covered litigation costs. Therefore, no value has been currently assigned to the Class B shares and no value may be assigned until the Class B shares are converted into a known number of Class A shares.
On June 24, 2015, the Bank received a complaint alleging that an employee had colluded with a bond issuer and an individual in misusing revenues pledged to municipal bonds for which the Bank served as trustee under the bond indenture. The Company conducted an investigation and concluded that employees in one of its Corporate Trust offices had, with respect to a single group of affiliated bond issuances, violated Company policies and procedures by waiving financial covenants, granting forbearances and accepting without disclosure to the bondholders, debt service payments from sources other than pledged revenues. The relationship manager was terminated. The Company reported the circumstances to, and cooperated with an investigation by, the Securities and Exchange Commission ("SEC"). On December 28, 2015, in an action brought by the SEC, the United States District Court for the District of New Jersey entered a judgment against the principals involved in issuing the bonds, precluding the principals from denying the alleged violations of the federal securities laws and requiring the principals to pay all outstanding principal, accrued interest, and other amounts required under the bond documents (now estimated to be approximately $48 million, less the value of the facilities securing repayment of the bonds), subject to oversight by a court appointed monitor. On September 7, 2016, the Bank agreed, and the SEC entered, a consent order finding that the Bank had violated Section 17(a) of the Securities Act of 1933 and Section 10(b) of the Securities Exchange Act and requiring the Bank to disgorge $1,067,721 of fees and pay a civil penalty of $600,000. The Bank has disgorged the fees and paid the penalty. 
On August 26, 2016, the Bank was sued in the United States District Court for New Jersey by two bondholders in a putative class action on behalf of all holders of the bonds alleging the Bank participated in the fraudulent sale of securities by the principals. On September 14, 2016, the Bank was sued in the District Court of Tulsa County, Oklahoma by 19 bondholders alleging the Bank participated in the fraudulent sale of securities by the principals. Management has been advised by counsel that the Bank has valid defenses to the claims.
On September 15, 2017, the principal filed for protection under Chapter 11 of the United States Bankruptcy Code in the United States Bankruptcy Court for the Northern District of Georgia. The obligation of the principal to pay all principal and interest on the bonds is non-dischargeable in bankruptcy. The Bank expects the Court ordered payment plan will result in the payment of the bonds by the principals. Accordingly, no loss is probable at this time and no provision for loss has been made. If the payment plan does not result in payment of the bonds, a loss could become probable. A reasonable estimate cannot be made at this time though the amount could be material to the Company. 
On March 14, 2017, the Bank was sued in the United States District Court for the Northern District of Oklahoma by bondholders in a second putative class action representing a different set of municipal securities. The bondholders in this second action allege two individuals purchased facilities from the principals who are the subject of the SEC New Jersey proceedings by means of the fraudulent sale of $60 million of municipal securities for which the Bank also served as indenture trustee. The bondholders allege the Bank failed to disclose that the seller of the purchased facilities had engaged in the conduct complained of in the New Jersey action. The Bank properly performed all duties as indenture trustee of this second set of municipal securities, timely commenced proceedings against the issuer of the securities when default occurred, is cooperating with the SEC in actions against the two principals, is not a target of the SEC proceedings, and has been advised by counsel that the Bank has valid defenses to the claims of these bondholders. It is the opinion of management that no loss is probable at this time.
The County of Bernalillo, New Mexico, commenced arbitration pursuant to the Arbitration Rules of FINRA seeking recovery of $5.6 million alleging that various municipal bonds purchased by the elected County Treasurer of Bernalillo County, New Mexico, from BOK Financial Securities, Inc. were unsuitable. The arbitration was conducted in July 2017. The arbitration panel found the County of Bernalillo’s complaint frivolous and awarded BOK Financial Securities, Inc. attorney fees and costs.  The County has sued in the United States District Court for New Mexico to set aside the award of fees and costs to BOK Financial Securities but not the finding that the County's complaint was frivolous.


On March 30, 2017, two deposit customers of the Bank sued the Bank in the District Court of Harris County, Texas. A judgment creditor had served a garnishment summons on the Bank. The deposit customers allege that, because the Bank was unable to produce adequate documentation of ownership of a series of deposit accounts at the Bank owned by them, they were compelled to enter into a settlement agreement with the judgment creditor pursuant to which the Bank paid $4.2 million from the accounts to the judgment creditor. The two deposit customers seek $7 million. Management has been advised by counsel that a loss is not probable and that the amount of the liability, if any, cannot be quantified at this time.
On March 7, 2017, a plaintiff filed a putative class action in the United States District Court for the Northern District of Texas alleging an extended overdraft fee charged by BOKF, NA is interest and exceeds permitted rates. BOKF, NA was previously sued in a class action in the United States District Court for the Northern District of Oklahoma making the same allegations.  Pursuant to a motion to dismiss, the Northern District of Oklahoma Court action was dismissed. Other courts considering the question whether extended overdraft fees are interest have likewise determined such fees are not interest. BOKF, NA has moved to dismiss the action. Management is advised by counsel that a loss is not probable and that the loss, if any, cannot be reasonably estimated.

In the ordinary course of business, BOK Financial and its subsidiaries are subject to legal actions and complaints. Management believes, based upon the opinion of counsel, that the actions and liability or loss, if any, resulting from the final outcomes of the proceedings, will not have a material effect on the Company’s financial condition, results of operations or cash flows.
                           
Alternative Investment Commitments

The Company sponsors two private equity funds and invests in several tax credit entities and other funds as permitted by banking regulations. Consolidation of these investments is based on the variable interest model determined by the nature of the entity. Variable interest entities are generally defined as entities that either do not have sufficient equity to finance their activities without support from other parties or whose equity investors lack a controlling financial interest. Variable interest entities are consolidated based on the determination that the Company is the primary beneficiary including the power to direct the activities that most significantly impact the variable interest's economic performance and the obligation to absorb losses of the variable interest or the right to receive benefits of the variable interest that could be significant to the variable interest.

BOKF Equity, LLC, an indirect wholly-owned subsidiary, is the general partner of two consolidated private equity funds (“the Funds”). The Funds provide alternative investment opportunities to certain customers, some of which are related parties, through unaffiliated limited partnerships. These unaffiliated limited partnerships generally invest in distressed assets, asset buy-outs or venture capital companies. As general partner, BOKF Equity, LLC has the power to direct activities that most significantly affect the Funds' performance and contingent obligations to make additional investments totaling $3.4 million at September 30, 2017. Substantially all of the obligations are offset by limited partner commitments. The Company does not accrue its contingent liability to fund investments. The Volcker Rule in Title VI of the Dodd-Frank Act will limit both the amount and structure of these types of investments.

Consolidated tax credit investment entities represent the Company's interest in entities earning federal new market tax credits related to qualifying loans. The Company has the power to direct the activities that most significantly impact the variable interest's economic performance of the entity including being the primary beneficiary of or the obligation to absorb losses of the variable interest that could be significant to the variable interest.

Other consolidated alternative investments include entities held under merchant banking authority. While the Company owns a majority of the voting interest in these entities, its ability to manage daily operations is limited by applicable banking regulations. Consolidated other assets includes total tangible assets, identifiable intangible assets and goodwill held by these entities.

The Company also has interests in various unrelated alternative investments generally consisting of unconsolidated limited partnership interests in or loans to entities for which investment return is primarily in the form of tax credits or that invest in distressed real estate loans and properties, energy development, venture capital and other activities. The Company is prohibited by banking regulations from controlling or actively managing the activities of these investments and the Company's maximum exposure to loss is restricted to its investment balance. The Company's obligation to fund alternative investments is included in Other liabilities in the Consolidated Balance Sheets.

A summary of consolidated and unconsolidated alternative investments as of September 30, 2017, December 31, 2016 and September 30, 2016 is as follows (in thousands):

 
 
September 30, 2017
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
15,621

 
$

 
$

 
$
12,806

Tax credit entities
 
10,000

 
11,119

 

 
10,963

 
10,000

Other
 

 
15,618

 
1,588

 
3,104

 
2,819

Total consolidated
 
$
10,000

 
$
42,358

 
$
1,588

 
$
14,067

 
$
25,625

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
65,247

 
$
145,479

 
$
61,364

 
$

 
$

Other
 

 
32,462

 
13,657

 

 

Total unconsolidated
 
$
65,247

 
$
177,941

 
$
75,021

 
$

 
$


 
 
December 31, 2016
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
17,357

 
$

 
$

 
$
13,237

Tax credit entities
 
10,000

 
11,585

 

 
10,964

 
10,000

Other
 

 
29,783

 
3,189

 
1,092

 
8,266

Total consolidated
 
$
10,000

 
$
58,725

 
$
3,189

 
$
12,056

 
$
31,503

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
44,488

 
$
143,715

 
$
63,329

 
$

 
$

Other
 

 
31,675

 
15,028

 

 

Total unconsolidated
 
$
44,488

 
$
175,390

 
$
78,357

 
$

 
$


 
 
September 30, 2016
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
18,420

 
$

 
$

 
$
15,946

Tax credit entities
 
10,000

 
11,740

 

 
10,964

 
10,000

Other
 

 
30,978

 
2,346

 
1,063

 
8,154

Total consolidated
 
$
10,000

 
$
61,138

 
$
2,346

 
$
12,027

 
$
34,100

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
39,849

 
$
129,715

 
$
57,026

 
$

 
$

Other
 

 
30,272

 
13,653

 

 

Total unconsolidated
 
$
39,849

 
$
159,987

 
$
70,679

 
$

 
$



Other Commitments and Contingencies

At September 30, 2017, Cavanal Hill Funds’ assets included U.S. Treasury, cash management and tax-free money market funds. Assets of these funds consist of highly-rated, short-term obligations of the U.S. Treasury, corporate issuers and U.S. states and municipalities. The net asset value of units in these funds was $1.00 at September 30, 2017. An investment in these funds is not insured by the Federal Deposit Insurance Corporation or guaranteed by BOK Financial or any of its subsidiaries. BOK Financial may, but is not obligated to purchase assets from these funds to maintain the net asset value at $1.00. No assets were purchased from the funds in 2017 or 2016.
v3.8.0.1
Shareholders' Equity
9 Months Ended
Sep. 30, 2017
Stockholders' Equity Note [Abstract]  
Shareholders' Equity [Text Block]
Shareholders' Equity

On October 31, 2017, the Company declared a quarterly cash dividend of $0.45 per common share on or about November 27, 2017 to shareholders of record as of November 13, 2017.

Dividends declared were $0.44 per share and $1.32 per share during the three and nine months ended September 30, 2017 and $0.43 per share and $1.29 per share during the three and nine months ended September 30, 2016.

Accumulated Other Comprehensive Income (Loss)

AOCI includes unrealized gains and losses on available for sale ("AFS") securities and non-credit related unrealized losses on AFS securities for which an other-than-temporary impairment has been recorded in earnings. AOCI also includes unrealized gains on AFS securities that were transferred from AFS to investment securities in the third quarter of 2011. Such amounts are being amortized over the estimated remaining life of the security as an adjustment to yield, offsetting the related amortization of premium on the transferred securities. Unrealized losses on employee benefit plans will be reclassified into income as pension plan costs are recognized over the remaining service period of plan participants. Gains and losses in AOCI are net of deferred income taxes.

A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands):
 
 
Unrealized Gain (Loss) on
 
 
 
 
Available for Sale Securities
 
Investment Securities Transferred from AFS
 
Employee Benefit Plans
 
Total
Balance, December 31, 2015
 
$
23,284

 
$
68

 
$
(1,765
)
 
$
21,587

Net change in unrealized gain (loss)
 
133,108

 

 

 
133,108

Reclassification adjustments included in earnings:
 
 
 
 
 
 
 
 
Interest revenue, Investment securities, Taxable securities
 

 
(112
)
 

 
(112
)
Gain on available for sale securities, net
 
(11,684
)
 

 

 
(11,684
)
Other comprehensive income (loss), before income taxes
 
121,424

 
(112
)
 

 
121,312

Federal and state income taxes1
 
47,216

 
(44
)
 

 
47,172

Other comprehensive income (loss), net of income taxes
 
74,208

 
(68
)
 

 
74,140

Balance, September 30, 2016
 
$
97,492

 
$

 
$
(1,765
)
 
$
95,727

 
 
 
 
 
 
 
 
 
Balance, December 31, 2016
 
$
(9,087
)
 
$

 
$
(1,880
)
 
$
(10,967
)
Net change in unrealized gain (loss)
 
33,876

 

 
5

 
33,881

Reclassification adjustments included in earnings:
 
 
 
 
 
 
 
 
Gain on available for sale securities, net
 
(4,916
)
 

 

 
(4,916
)
Other comprehensive income, before income taxes
 
28,960

 

 
5

 
28,965

Federal and state income taxes1
 
11,239

 


 
2

 
11,241

Other comprehensive income, net of income taxes
 
17,721

 

 
3

 
17,724

Balance, September 30, 2017
 
$
8,634

 
$

 
$
(1,877
)
 
$
6,757


1 
Calculated using a 39 percent effective tax rate.
v3.8.0.1
Earnings Per Share
9 Months Ended
Sep. 30, 2017
Earnings Per Share [Abstract]  
Earnings Per Share [Text Block]
Earnings Per Share
 
(In thousands, except share and per share amounts)
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Numerator:
 
 
 
 
 
 
 
 
Net income attributable to BOK Financial Corp. shareholders
 
$
85,649

 
$
74,277

 
$
262,152

 
$
182,642

Less: Earnings allocated to participating securities
 
888

 
916

 
2,817

 
2,275

Numerator for basic earnings per share – income available to common shareholders
 
84,761

 
73,361

 
259,335

 
180,367

Effect of reallocating undistributed earnings of participating securities
 
1

 
1

 
2

 
1

Numerator for diluted earnings per share – income available to common shareholders
 
$
84,762

 
$
73,362

 
$
259,337

 
$
180,368

 
 
 
 
 
 
 
 
 
Denominator:
 
 

 
 

 
 

 
 

Weighted average shares outstanding
 
65,423,258

 
65,895,430

 
65,432,313

 
66,031,497

Less:  Participating securities included in weighted average shares outstanding
 
680,436

 
810,038

 
702,922

 
822,723

Denominator for basic earnings per common share
 
64,742,822

 
65,085,392

 
64,729,391

 
65,208,774

Dilutive effect of employee stock compensation plans1
 
62,350

 
72,449

 
64,502

 
54,792

Denominator for diluted earnings per common share
 
64,805,172

 
65,157,841

 
64,793,893

 
65,263,566

 
 
 
 
 
 
 
 
 
Basic earnings per share
 
$
1.31

 
$
1.13

 
$
4.01

 
$
2.77

Diluted earnings per share
 
$
1.31

 
$
1.13

 
$
4.00

 
$
2.76

1  Excludes employee stock options with exercise prices greater than current market price.
 

 

 

 

v3.8.0.1
Reportable Segments
9 Months Ended
Sep. 30, 2017
Segment Reporting [Abstract]  
Reportable Segments [Text Block]
Reportable Segments

Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2017 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
157,080

 
$
25,576

 
$
11,169

 
$
24,627

 
$
218,452

Net interest revenue (expense) from internal sources
 
(24,173
)
 
12,213

 
9,604

 
2,356

 

Net interest revenue
 
132,907

 
37,789

 
20,773

 
26,983

 
218,452

Provision for credit losses
 
3,217

 
1,315

 
(623
)
 
(3,909
)
 

Net interest revenue after provision for credit losses
 
129,690

 
36,474

 
21,396

 
30,892

 
218,452

Other operating revenue
 
54,091

 
47,033

 
75,707

 
(1,121
)
 
175,710

Other operating expense
 
56,952

 
56,785

 
61,791

 
90,406

 
265,934

Net direct contribution
 
126,829

 
26,722

 
35,312

 
(60,635
)
 
128,228

Gain on financial instruments, net
 
4

 
1,686

 

 
(1,690
)
 

Change in fair value of mortgage servicing rights
 

 
(639
)
 

 
639

 

Gain (loss) on repossessed assets, net
 
(4,126
)
 
292

 

 
3,834

 

Corporate expense allocations
 
8,650

 
17,039

 
9,819

 
(35,508
)
 

Net income before taxes
 
114,057

 
11,022

 
25,493

 
(22,344
)
 
128,228

Federal and state income taxes
 
44,368

 
4,288

 
9,917

 
(16,135
)
 
42,438

Net income
 
69,689

 
6,734

 
15,576

 
(6,209
)
 
85,790

Net income attributable to non-controlling interests
 

 

 

 
141

 
141

Net income attributable to BOK Financial Corp. shareholders
 
$
69,689

 
$
6,734

 
$
15,576

 
$
(6,350
)
 
$
85,649

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
17,558,390

 
$
9,115,319

 
$
6,992,021

 
$
(657,560
)
 
$
33,008,170


Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2017 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
435,946

 
$
70,208

 
$
33,130

 
$
85,554

 
$
624,838

Net interest revenue (expense) from internal sources
 
(61,803
)
 
35,002

 
28,784

 
(1,983
)
 

Net interest revenue
 
374,143

 
105,210

 
61,914

 
83,571

 
624,838

Provision for credit losses
 
2,983

 
3,512

 
(676
)
 
(5,819
)
 

Net interest revenue after provision for credit losses
 
371,160

 
101,698

 
62,590

 
89,390

 
624,838

Other operating revenue
 
156,139

 
146,440

 
225,434

 
245

 
528,258

Other operating expense
 
168,517

 
166,027

 
182,816

 
244,170

 
761,530

Net direct contribution
 
358,782

 
82,111

 
105,208

 
(154,535
)
 
391,566

Gain on financial instruments, net
 
46

 
5,242

 

 
(5,288
)
 

Change in fair value of mortgage servicing rights
 

 
(5,726
)
 

 
5,726

 

Gain (loss) on repossessed assets, net
 
(2,728
)
 
253

 

 
2,475

 

Corporate expense allocations
 
26,144

 
50,947

 
30,438

 
(107,529
)
 

Net income before taxes
 
329,956

 
30,933

 
74,770

 
(44,093
)
 
391,566

Federal and state income taxes
 
128,353

 
12,033

 
29,086

 
(41,226
)
 
128,246

Net income
 
201,603

 
18,900

 
45,684

 
(2,867
)
 
263,320

Net income attributable to non-controlling interests
 

 

 

 
1,168

 
1,168

Net income attributable to BOK Financial Corp. shareholders
 
$
201,603

 
$
18,900

 
$
45,684

 
$
(4,035
)
 
$
262,152

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
17,525,658

 
$
8,871,470

 
$
6,971,369

 
$
(591,059
)
 
$
32,777,438


Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2016 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
123,599

 
$
22,098

 
$
9,274

 
$
32,875

 
$
187,846

Net interest revenue (expense) from internal sources
 
(15,052
)
 
9,263

 
$
7,401

 
(1,612
)
 

Net interest revenue
 
108,547

 
31,361

 
16,675

 
31,263

 
187,846

Provision for credit losses
 
5,601

 
1,157

 
(89
)
 
3,331

 
10,000

Net interest revenue after provision for credit losses
 
102,946

 
30,204

 
16,764

 
27,932

 
177,846

Other operating revenue
 
49,642

 
60,603

 
73,523

 
3,542

 
187,310

Other operating expense
 
53,375

 
60,964

 
64,426

 
79,323

 
258,088

Net direct contribution
 
99,213

 
29,843

 
25,861

 
(47,849
)
 
107,068

Gain (loss) on financial instruments, net
 

 
(1,087
)
 
(42
)
 
1,129

 

Change in fair value of mortgage servicing rights
 

 
2,327

 

 
(2,327
)
 

Gain on repossessed assets, net
 
1,486

 
161

 

 
(1,647
)
 

Corporate expense allocations
 
9,054

 
16,905

 
10,912

 
(36,871
)
 

Net income before taxes
 
91,645

 
14,339

 
14,907

 
(13,823
)
 
107,068

Federal and state income taxes
 
35,650

 
5,578

 
5,799

 
(15,071
)
 
31,956

Net income
 
55,995

 
8,761

 
9,108

 
1,248

 
75,112

Net income attributable to non-controlling interests
 

 

 

 
835

 
835

Net income attributable to BOK Financial Corp. shareholders
 
$
55,995

 
$
8,761

 
$
9,108

 
$
413

 
$
74,277

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
16,934,587

 
$
8,827,816

 
$
6,413,735

 
$
470,335

 
$
32,646,473



Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2016 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
358,713

 
$
65,897

 
$
21,620

 
$
106,800

 
$
553,030

Net interest revenue (expense) from internal sources
 
(44,259
)
 
27,492

 
$
22,258

 
(5,491
)
 

Net interest revenue
 
314,454

 
93,389

 
43,878

 
101,309

 
553,030

Provision for credit losses
 
34,024

 
4,177

 
(479
)
 
27,278

 
65,000

Net interest revenue after provision for credit losses
 
280,430

 
89,212

 
44,357

 
74,031

 
488,030

Other operating revenue
 
146,248

 
172,072

 
218,042

 
(6,096
)
 
530,266

Other operating expense
 
162,039

 
179,487

 
186,524

 
223,993

 
752,043

Net direct contribution
 
264,639

 
81,797

 
75,875

 
(156,058
)
 
266,253

Gain (loss) on financial instruments, net
 

 
30,539

 
(42
)
 
(30,497
)
 

Change in fair value of mortgage servicing rights
 

 
(41,944
)
 

 
41,944

 

Gain on repossessed assets, net
 
806

 
566

 

 
(1,372
)
 

Corporate expense allocations
 
26,681

 
49,513

 
31,864

 
(108,058
)
 

Net income before taxes
 
238,764

 
21,445

 
43,969

 
(37,925
)
 
266,253

Federal and state income taxes
 
92,879

 
8,342

 
17,104

 
(34,444
)
 
83,881

Net income
 
145,885

 
13,103

 
26,865

 
(3,481
)
 
182,372

Net loss attributable to non-controlling interests
 

 

 

 
(270
)
 
(270
)
Net income attributable to BOK Financial Corp. shareholders
 
$
145,885

 
$
13,103

 
$
26,865

 
$
(3,211
)
 
$
182,642

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
16,958,999

 
$
8,763,564

 
$
5,916,545

 
$
410,075

 
$
32,049,183

v3.8.0.1
Fair Value Measurements
9 Months Ended
Sep. 30, 2017
Fair Value Disclosures [Abstract]  
Fair Value Measurements [Text Block]
Fair Value Measurements

Fair value is defined by applicable accounting guidance as the price to sell an asset or transfer a liability in an orderly transaction between market participants in the principal market for the given asset or liability at the measurement date based on market conditions at that date. Certain assets and liabilities are recorded in the Company’s financial statements at fair value. Some are recorded on a recurring basis and some on a non-recurring basis.

For some assets and liabilities, observable market transactions and market information might be available. For other assets and liabilities, observable market transactions and market information might not be available. A hierarchy for fair value has been established which categorizes into three levels the inputs to valuation techniques used to measure fair value. The three levels are as follows:

Quoted Prices in Active Markets for Identical Assets or Liabilities (Level 1) - Fair value is based on unadjusted quoted prices in active markets for identical assets or liabilities.

Significant Other Observable Inputs (Level 2) - Fair value is based on significant other observable inputs which are generally determined based on a single price for each financial instrument provided to us by an applicable third-party pricing service and is based on one or more of the following:

Quoted prices for similar, but not identical, assets or liabilities in active markets;
Quoted prices for identical or similar assets or liabilities in inactive markets;
Inputs other than quoted prices that are observable, such as interest rate and yield curves, volatilities, prepayment speeds, loss severities, credit risks and default rates;
Other inputs derived from or corroborated by observable market inputs.

Significant Unobservable Inputs (Level 3) - Fair value is based upon model-based valuation techniques for which at least one significant assumption is not observable in the market.

Transfers between levels are recognized as of the end of the reporting period. There were no transfers in or out of quoted prices in active markets for identical instruments to significant other observable inputs or significant unobservable inputs during the three and nine months ended September 30, 2017 and 2016, respectively. Transfers between significant other observable inputs and significant unobservable inputs during the three and nine months ended September 30, 2017 and 2016 are included in the summary of changes in recurring fair values measured using unobservable inputs.

The underlying methods used by the third-party pricing services are considered in determining the primary inputs used to determine fair values. Management has evaluated the methodologies employed by the third-party pricing services by comparing the price provided by the pricing service with other sources, including brokers' quotes, sales or purchases of similar instruments and discounted cash flows to establish a basis for reliance on the pricing service values. Significant differences between the pricing service provided value and other sources are discussed with the pricing service to understand the basis for their values. Based on all observable inputs, management may adjust prices obtained from third-party pricing services to more appropriately reflect the prices that would be received to sell assets or paid to transfer liabilities in orderly transactions in the current market. No significant adjustments were made to prices provided by third-party pricing services at September 30, 2017, December 31, 2016 or September 30, 2016.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The fair value of financial assets and liabilities measured on a recurring basis was as follows as of September 30, 2017 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
30,162

 
$

 
$
30,162

 
$

U.S. government agency residential mortgage-backed securities
 
516,760

 

 
516,760

 

Municipal and other tax-exempt securities
 
56,148

 

 
56,148

 

Other trading securities
 
11,047

 

 
11,047

 

Total trading securities
 
614,117

 

 
614,117

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
999

 
999

 

 

Municipal and other tax-exempt securities
 
28,368

 

 
23,583

 
4,785

U.S. government agency residential mortgage-backed securities
 
5,326,384

 

 
5,326,384

 

Privately issued residential mortgage-backed securities
 
99,994

 

 
99,994

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,889,346

 

 
2,889,346

 

Other debt securities
 
4,153

 

 

 
4,153

Perpetual preferred stock
 
16,245

 

 
16,245

 

Equity securities and mutual funds
 
17,710

 
2,578

 
15,132

 

Total available for sale securities
 
8,383,199

 
3,577

 
8,370,684

 
8,938

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
819,531

 

 
819,531

 

Residential mortgage loans held for sale
 
275,643

 

 
263,543

 
12,100

Mortgage servicing rights1
 
245,858

 

 

 
245,858

Derivative contracts, net of cash collateral2
 
352,559

 
8,498

 
344,061

 

Liabilities:
 
 

 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
336,327

 
6,903

 
329,424

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate, energy and agricultural derivative contacts. Derivative contacts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate derivative contracts, net of cash margin.

The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2016 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
6,234

 
$

 
$
6,234

 
$

U.S. government agency residential mortgage-backed securities
 
310,067

 

 
310,067

 

Municipal and other tax-exempt securities
 
14,427

 

 
14,427

 

Other trading securities
 
6,900

 

 
6,900

 

Total trading securities
 
337,628

 

 
337,628

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
999

 
999

 

 

Municipal and other tax-exempt securities
 
40,993

 

 
35,204

 
5,789

U.S. government agency residential mortgage-backed securities
 
5,460,386

 

 
5,460,386

 

Privately issued residential mortgage-backed securities
 
115,535

 

 
115,535

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,017,933

 

 
3,017,933

 

Other debt securities
 
4,152

 

 

 
4,152

Perpetual preferred stock
 
18,474

 

 
18,474

 

Equity securities and mutual funds
 
18,357

 
3,495

 
14,862

 

Total available for sale securities
 
8,676,829

 
4,494

 
8,662,394

 
9,941

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
77,046

 

 
77,046

 

Residential mortgage loans held for sale
 
301,897

 

 
290,280

 
11,617

Mortgage servicing rights1
 
247,073

 

 

 
247,073

Derivative contracts, net of cash collateral2
 
689,872

 
7,541

 
682,331

 

Liabilities:
 


 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
664,531

 
6,972

 
657,559

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest-rate and energy derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural derivative contracts, net of cash margin.


The fair value of financial assets and liabilities measured on a recurring basis was as follows as of September 30, 2016 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
15,705

 
$

 
$
15,705

 
$

U.S. government agency residential mortgage-backed securities
 
464,749

 

 
464,749

 

Municipal and other tax-exempt securities
 
54,856

 

 
54,856

 

Other trading securities
 
11,305

 

 
11,305

 

Total trading securities
 
546,615

 

 
546,615

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
1,002

 
1,002

 

 

Municipal and other tax-exempt securities
 
42,092

 

 
36,379

 
5,713

U.S. government agency residential mortgage-backed securities
 
5,668,672

 

 
5,668,672

 

Privately issued residential mortgage-backed securities
 
121,603

 

 
121,603

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,986,495

 

 
2,986,495

 

Other debt securities
 
4,151

 

 

 
4,151

Perpetual preferred stock
 
19,578

 

 
19,578

 

Equity securities and mutual funds
 
18,690

 
3,544

 
15,146

 

Total available for sale securities
 
8,862,283

 
4,546

 
8,847,873

 
9,864

Fair value option securities:
 
 
 
 
 
 
 
 
U.S. Treasury
 
222,409

 
222,409

 

 

U.S. government agency residential mortgage-backed securities
 

 

 

 

Total fair value option securities
 
222,409

 
222,409

 

 

Residential mortgage loans held for sale
 
447,592

 

 
438,291

 
9,301

Mortgage servicing rights1
 
203,621

 

 

 
203,621

Derivative contracts, net of cash collateral2
 
655,078

 
5,575

 
649,503

 

Liabilities:
 
 

 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
573,987

 
1,308

 
572,679

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded energy and agricultural derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate and energy derivative contracts, net cash margin.


Following is a description of the Company's valuation methodologies used for assets and liabilities measured on a recurring basis:
Securities
The fair values of trading, available for sale and fair value option securities are based on quoted prices for identical instruments in active markets, when available. If quoted prices for identical instruments are not available, fair values are based on significant other observable inputs such as quoted prices of comparable instruments or interest rates and credit spreads, yield curves, volatilities, prepayment speeds and loss severities.

The fair value of certain available for sale municipal and other debt securities may be based on significant unobservable inputs. These significant unobservable inputs include limited observed trades, projected cash flows, current credit rating of the issuers and, when applicable, the insurers of the debt and observed trades of similar debt. Discount rates are primarily based on references to interest rate spreads on comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies adjusted for a lack of trading volume. Significant unobservable inputs are developed by investment securities professionals involved in the active trading of similar securities. A summary of significant inputs used to value these securities follows. A management committee composed of senior members from the Company's Capital Markets, Risk Management and Finance departments assesses the appropriateness of these inputs quarterly.

Derivatives

All derivative instruments are carried on the balance sheet at fair value. Fair values for exchange-traded contracts are based on quoted prices. Fair values for over-the-counter interest rate, commodity and foreign exchange contracts are based on valuations provided either by third-party dealers in the contracts, quotes provided by independent pricing services, or a third-party provided pricing model that uses significant other observable market inputs.

Credit risk is considered in determining the fair value of derivative instruments. Management determines fair value adjustments based on various risk factors including but not limited to counterparty credit rating or equivalent loan grading, derivative contract notional size, price volatility of the underlying commodity, duration of the derivative contracts and expected loss severity. Expected loss severity is based on historical losses for similarly risk graded commercial loan customers. Decreases in counterparty credit rating or grading and increases in price volatility and expected loss severity all tend to increase the credit quality adjustment which reduces the fair value of asset contracts. The reduction in fair value is recognized in earnings during the current period.

We also consider our own credit risk in determining the fair value of derivative contracts. Changes in our credit rating would affect the fair value of our derivative liabilities. In the event of a credit downgrade, the fair value of our derivative liabilities would increase. The change in the fair value would be recognized in earnings in the current period.
Residential Mortgage Loans Held for Sale
Residential mortgage loans held for sale are carried on the balance sheet at fair value. The fair values of residential mortgage loans held for sale are based upon quoted market prices of such loans sold in securitization transactions, including related unfunded loan commitments and forward sales contracts. The fair value of mortgage loans that were unable to be sold to U.S. government agencies were determined using quoted prices of loans that are sold in securitization transactions with a liquidity discount applied.

Other Assets - Private Equity Funds
The fair value of the portfolio investments of the Company's two private equity funds is based upon net asset value reported by the underlying funds, as adjusted by the general partner when necessary, as a practical expedient to measure the fair value of the investments in the underlying funds. The Company's private equity funds provide customers alternative investment opportunities as limited partners of the funds. As fund of funds, the private equity funds invest in other limited partnerships or limited liability companies that invest substantially all of their assets in U.S. companies pursuing diversified investment strategies including early-stage venture capital, distressed securities and corporate or asset buy-outs. Private equity fund assets are long-term, illiquid investments. No secondary market exists for these assets. The private equity funds typically invest in funds that provide no redemption rights to investors. The fair value of the private equity investments may only be realized through cash distributions from the underlying funds.

See Note 7 for disclosure of the fair value of the private equity funds using the net asset value per share of the underlying investments, as a practical expedient, included in Other assets in the Consolidated Balance Sheets of the Company.
The following represents the changes for the three and nine months ended September 30, 2017 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt securities
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, June 30, 2017
 
$
4,655

 
$
4,152

 
$
12,735

Transfer to Level 3 from Level 21
 

 

 
176

Purchases
 

 

 

Proceeds from sales
 

 

 
(847
)
Redemptions and distributions
 

 

 

Gain recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
36

Other comprehensive income:
 
 
 
 
 
 
Net change in unrealized gain
 
130

 
1

 

Balance, September 30, 2017
 
$
4,785

 
$
4,153

 
$
12,100

1  
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, December 31, 2016
 
$
5,789

 
$
4,152

 
$
11,617

Transfer to Level 3 from Level 21
 

 

 
2,916

Purchases
 

 

 

Proceeds from sales
 

 

 
(2,549
)
Redemptions and distributions
 
(1,100
)
 

 

Gain (loss) recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
116

Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
96

 
1

 

Balance, September 30, 2017
 
$
4,785

 
$
4,153

 
$
12,100

1 
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
The following represents the changes for the three and six months ended September 30, 2016 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt securities
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, June 30, 2016
 
$
9,600

 
$
4,151

 
$
9,749

Transfer to Level 3 from Level 21
 

 

 
442

Purchases
 

 

 

Proceeds from sales
 

 

 
(1,003
)
Redemptions and distributions
 
(3,975
)
 

 

Gain (loss) recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
113

Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
88

 

 

Balance, September 30, 2016
 
$
5,713

 
$
4,151

 
$
9,301

1 
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.

 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, December 31, 2015
 
$
9,610

 
$
4,151

 
$
7,874

Transfer to Level 3 from Level 21
 

 

 
3,982

Purchases
 

 

 

Proceeds from sales
 

 

 
(2,365
)
Redemptions and distributions
 
(3,975
)
 

 

Gain (loss) recognized in earnings
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
(190
)
Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
78

 

 

Balance, September 30, 2016
 
$
5,713

 
$
4,151

 
$
9,301


1  
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.


A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of September 30, 2017 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost/Unpaid Principal Balance
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
5,095

 
$
5,067

 
$
4,785

 
Discounted cash flows
1 
Interest rate spread
 
6.05%-6.05% (6.05%)
2 
92.25%-95.02% (93.91%)
3 
Other debt securities
 
4,400

 
4,400

 
4,153

 
Discounted cash flows
1 
Interest rate spread
 
6.65%-6.73% (6.72%)
4 
94.38% - 94.38 (94.38%)
3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage loans held for sale
 
N/A

 
12,612

 
12,100

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
95.94%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 352 to 467 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent.


A summary of quantitative information about Recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2016 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost/Unpaid Principal Balance
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
6,195

 
$
6,163

 
$
5,789

 
Discounted cash flows
1 
Interest rate spread
 
5.91%-6.21% (6.16%)
2 
90.00%-93.40% (92.20%)
3 
Other debt securities
 
4,400

 
4,400

 
4,152

 
Discounted cash flows
1 
Interest rate spread
 
6.01%-6.26% (6.23%)
4 
94.34% - 94.36 (94.36%)
3 
Residential mortgage loans held for sale
 
N/A

 
12,431

 
11,617

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
93.45%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 467 to 525 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.

A summary of quantitative information about Recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2016 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
6,195

 
$
6,162

 
$
5,713

 
Discounted cash flows
1 
Interest rate spread
 
5.60%-5.90% (5.85%)
2 
90.00%-93.79% (92.22%)
3 
Other debt securities
 
4,400

 
4,400

 
4,151

 
Discounted cash flows
1 
Interest rate spread
 
5.98%-6.03% (6.02%)
4 
94.34% - 94.34 (94.34%)
3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage loans held for sale
 
N/A

 
9,957

 
9,301

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
93.41%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 437 to 484 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.


Fair Value of Assets and Liabilities Measured on a Non-Recurring Basis

Assets measured at fair value on a non-recurring basis include collateral for certain impaired loans and real property and other assets acquired to satisfy loans, which are based primarily on comparisons to completed sales of similar assets.

The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at September 30, 2017 for which the fair value was adjusted during the nine months ended September 30, 2017:
 
 
 
 
 
 
 
Fair Value Adjustments for the
 
Carrying Value at September 30, 2017
 
Three Months Ended
September 30, 2017
Recognized in:
 
Nine Months Ended
September 30, 2017
Recognized in:
 
Quoted Prices
in Active Markets for Identical Instruments
 
Significant
Other
Observable
Inputs
 
Significant
Unobservable
Inputs
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
Impaired loans
$

 
$
423

 
$
10,960

 
$
4,397

 
$

 
$
5,058

 
$

Real estate and other repossessed assets

 
4,392

 
6,845

 

 
4,683

 

 
4,915

 
The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at September 30, 2016 for which the fair value was adjusted during the nine months ended September 30, 2016:
 
Carrying Value at September 30, 2016
 
Fair Value Adjustments for the Three Months Ended
September 30, 2016
Recognized in:
 
Nine Months Ended
September 30, 2016
Recognized in:
 
Quoted Prices
in Active Markets for Identical Instruments
 
Significant
Other
Observable
Inputs
 
Significant
Unobservable
Inputs
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
Impaired loans
$

 
$
436

 
$
23,089

 
$
6,334

 
$

 
$
30,200

 
$

Real estate and other repossessed assets

 
6,048

 
1,927

 

 
480

 

 
1,260



The fair value of collateral-dependent impaired loans secured by real estate and real estate and other repossessed assets and the related fair value adjustments are generally based on unadjusted third-party appraisals. Our appraisal review policies require appraised values to be supported by observed inputs derived principally from or corroborated by observable market data. Appraisals that are not based on observable inputs or that require significant adjustments or fair value measurements that are not based on third-party appraisals are considered to be based on significant unobservable inputs. Non-recurring fair value measurements of collateral-dependent impaired loans and real estate and other repossessed assets based on significant unobservable inputs are generally due to estimates of current fair values between appraisal dates. Significant unobservable inputs include listing prices for the same or comparable assets, uncorroborated expert opinions or management's knowledge of the collateral or industry. Non-recurring fair value measurements of collateral dependent loans secured by mineral rights are generally determined by our internal staff of engineers on projected cash flows under current market conditions and are based on significant unobservable inputs. Projected cash flows are discounted according to risk characteristics of the underlying oil and gas properties. Assets are evaluated to demonstrate with reasonable certainty that crude oil, natural gas and natural gas liquids can be recovered from known oil and gas reservoirs under existing economic and operating conditions at current prices with existing conventional equipment, operating methods and costs. Significant unobservable inputs are developed by asset management and workout professionals and approved by senior Credit Administration executives.

A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2017 follows (in thousands):
 
 
Fair Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
Impaired loans
 
$
10,960

 
Discounted cash flows
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
64% - 88% (68%)1
Real estate and other repossessed assets
 
6,845

 
Appraised value, as adjusted
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
N/A
1 
Represents fair value as a percentage of the unpaid principal balance.

A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2016 follows (in thousands):
 
 
Fair Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
Impaired loans
 
$
23,089

 
Discounted cash flows
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
23% - 59% (43%)1
Real estate and other repossessed assets
 
1,927

 
Appraised value, as adjusted
 
Marketability adjustments off appraised value2
 
68% - 80% (71%)

1  
Represents fair value as a percentage of the unpaid principal balance.
2  
Marketability adjustments include consideration of estimated costs to sell which is approximately 10% of the fair value.

Fair Value of Financial Instruments

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of September 30, 2017 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
547,203

 
$
547,203

 
$
547,203

 
$

 
$

Interest-bearing cash and cash equivalents
 
1,926,779

 
1,926,779

 
1,926,779

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
30,162

 
30,162

 

 
30,162

 

U.S. government agency residential mortgage-backed securities
 
516,760

 
516,760

 

 
516,760

 

Municipal and other tax-exempt securities
 
56,148

 
56,148

 

 
56,148

 

Other trading securities
 
11,047

 
11,047

 

 
11,047

 

Total trading securities
 
614,117

 
614,117

 

 
614,117

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
246,000

 
249,250

 

 
249,250

 

U.S. government agency residential mortgage-backed securities
 
16,926

 
17,458

 

 
17,458

 

Other debt securities
 
203,636

 
223,187

 

 
223,187

 

Total investment securities
 
466,562

 
489,895

 

 
489,895

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
999

 
999

 
999

 

 

Municipal and other tax-exempt securities
 
28,368

 
28,368

 

 
23,583

 
4,785

U.S. government agency residential mortgage-backed securities
 
5,326,384

 
5,326,384

 

 
5,326,384

 

Privately issued residential mortgage-backed securities
 
99,994

 
99,994

 

 
99,994

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,889,346

 
2,889,346

 

 
2,889,346

 

Other debt securities
 
4,153

 
4,153

 

 

 
4,153

Perpetual preferred stock
 
16,245

 
16,245

 

 
16,245

 

Equity securities and mutual funds
 
17,710

 
17,710

 
2,578

 
15,132

 

Total available for sale securities
 
8,383,199

 
8,383,199

 
3,577

 
8,370,684

 
8,938

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
819,531

 
819,531

 

 
819,531

 

Residential mortgage loans held for sale
 
275,643

 
275,643

 

 
263,543

 
12,100

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,795,934

 
10,574,720

 

 

 
10,574,720

Commercial real estate
 
3,518,142

 
3,467,009

 

 

 
3,467,009

Residential mortgage
 
1,945,750

 
1,958,632

 

 

 
1,958,632

Personal
 
947,008

 
938,819

 

 

 
938,819

Total loans
 
17,206,834

 
16,939,180

 

 

 
16,939,180

Allowance for loan losses
 
(247,703
)
 

 

 

 

Loans, net of allowance
 
16,959,131

 
16,939,180

 

 

 
16,939,180

Mortgage servicing rights
 
245,858

 
245,858

 

 

 
245,858

Derivative instruments with positive fair value, net of cash collateral
 
352,559

 
352,559

 
8,498

 
344,061

 

Deposits with no stated maturity
 
19,675,790

 
19,675,790

 

 

 
19,675,790

Time deposits
 
2,172,289

 
2,138,367

 

 

 
2,138,367

Other borrowed funds
 
6,631,820

 
6,609,642

 

 

 
6,609,642

Subordinated debentures
 
144,668

 
146,693

 

 
146,693

 

Derivative instruments with negative fair value, net of cash collateral
 
336,327

 
336,327

 
6,903

 
329,424

 

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2016 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
620,846

 
$
620,846

 
$
620,846

 
$

 
$

Interest-bearing cash and cash equivalents
 
1,916,651

 
1,916,651

 
1,916,651

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
6,234

 
6,234

 

 
6,234

 

U.S. government agency residential mortgage-backed securities
 
310,067

 
310,067

 

 
310,067

 

Municipal and other tax-exempt securities
 
14,427

 
14,427

 

 
14,427

 

Other trading securities
 
6,900

 
6,900

 

 
6,900

 

Total trading securities
 
337,628

 
337,628

 

 
337,628

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
320,364

 
321,225

 

 
321,225

 

U.S. government agency residential mortgage-backed securities
 
20,777

 
21,473

 

 
21,473

 

Other debt securities
 
205,004

 
222,795

 

 
222,795

 

Total investment securities
 
546,145

 
565,493

 

 
565,493

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
999

 
999

 
999

 

 

Municipal and other tax-exempt securities
 
40,993

 
40,993

 

 
35,204

 
5,789

U.S. government agency residential mortgage-backed securities
 
5,460,386

 
5,460,386

 

 
5,460,386

 

Privately issued residential mortgage-backed securities
 
115,535

 
115,535

 

 
115,535

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,017,933

 
3,017,933

 

 
3,017,933

 

Other debt securities
 
4,152

 
4,152

 

 

 
4,152

Perpetual preferred stock
 
18,474

 
18,474

 

 
18,474

 

Equity securities and mutual funds
 
18,357

 
18,357

 
3,495

 
14,862

 

Total available for sale securities
 
8,676,829

 
8,676,829

 
4,494

 
8,662,394

 
9,941

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
77,046

 
77,046

 

 
77,046

 

Residential mortgage loans held for sale
 
301,897

 
301,897

 

 
290,280

 
11,617

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,390,824

 
10,437,016

 

 

 
10,437,016

Commercial real estate
 
3,809,046

 
3,850,981

 

 

 
3,850,981

Residential mortgage
 
1,949,832

 
2,025,159

 

 

 
2,025,159

Personal
 
839,958

 
864,904

 

 

 
864,904

Total loans
 
16,989,660

 
17,178,060

 

 

 
17,178,060

Allowance for loan losses
 
(246,159
)
 

 

 

 

Loans, net of allowance
 
16,743,501

 
17,178,060

 

 

 
17,178,060

Mortgage servicing rights
 
247,073

 
247,073

 

 

 
247,073

Derivative instruments with positive fair value, net of cash collateral
 
689,872

 
689,872

 
7,541

 
682,331

 

Deposits with no stated maturity
 
20,526,295

 
20,526,295

 

 

 
20,526,295

Time deposits
 
2,221,800

 
2,218,303

 

 

 
2,218,303

Other borrowed funds
 
5,572,662

 
5,556,327

 

 

 
5,556,327

Subordinated debentures
 
144,640

 
128,903

 

 
128,903

 

Derivative instruments with negative fair value, net of cash collateral
 
664,531

 
664,531

 
6,972

 
657,559

 


The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of September 30, 2016 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
535,916

 
$
535,916

 
$
535,916

 
$

 
$

Interest-bearing cash and cash equivalents
 
2,080,978

 
2,080,978

 
2,080,978

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
15,705

 
15,705

 

 
15,705

 

U.S. government agency residential mortgage-backed securities
 
464,749

 
464,749

 

 
464,749

 

Municipal and other tax-exempt securities
 
54,856

 
54,856

 

 
54,856

 

Other trading securities
 
11,305

 
11,305

 

 
11,305

 

Total trading securities
 
546,615

 
546,615

 

 
546,615

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
323,225

 
327,788

 

 
327,788

 

U.S. government agency residential mortgage-backed securities
 
22,166

 
23,452

 

 
23,452

 

Other debt securities
 
201,066

 
229,070

 

 
229,070

 

Total investment securities
 
546,457

 
580,310

 

 
580,310

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
1,002

 
1,002

 
1,002

 

 

Municipal and other tax-exempt securities
 
42,092

 
42,092

 

 
36,379

 
5,713

U.S. government agency residential mortgage-backed securities
 
5,668,672

 
5,668,672

 

 
5,668,672

 

Privately issued residential mortgage-backed securities
 
121,603

 
121,603

 

 
121,603

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,986,495

 
2,986,495

 

 
2,986,495

 

Other debt securities
 
4,151

 
4,151

 

 

 
4,151

Perpetual preferred stock
 
19,578

 
19,578

 

 
19,578

 

Equity securities and mutual funds
 
18,690

 
18,690

 
3,544

 
15,146

 

Total available for sale securities
 
8,862,283

 
8,862,283

 
4,546

 
8,847,873

 
9,864

Fair value option securities:
 
 
 
 
 
 
 
 
 
 
U.S. Treasury
 
222,409

 
222,409

 
222,409

 

 

U.S. government agency residential mortgage-backed securities
 

 

 

 

 

Total fair value option securities
 
222,409

 
222,409

 
222,409

 

 

Residential mortgage loans held for sale
 
447,592

 
447,592

 

 
438,291

 
9,301

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,120,163

 
9,926,548

 

 

 
9,926,548

Commercial real estate
 
3,793,598

 
3,769,427

 

 

 
3,769,427

Residential mortgage
 
1,872,793

 
1,905,786

 

 

 
1,905,786

Personal
 
678,232

 
671,421

 

 

 
671,421

Total loans
 
16,464,786

 
16,273,182

 

 

 
16,273,182

Allowance for loan losses
 
(245,103
)
 

 

 

 

Loans, net of allowance
 
16,219,683

 
16,273,182

 

 

 
16,273,182

Mortgage servicing rights
 
203,621

 
203,621

 

 

 
203,621

Derivative instruments with positive fair value, net of cash collateral
 
655,078

 
655,078

 
5,575

 
649,503

 

Deposits with no stated maturity
 
18,925,873

 
18,925,873

 

 

 
18,925,873

Time deposits
 
2,169,631

 
2,163,947

 

 

 
2,163,947

Other borrowed funds
 
7,147,047

 
7,079,737

 

 

 
7,079,737

Subordinated debentures
 
144,631

 
148,360

 

 
148,360

 

Derivative instruments with negative fair value, net of cash collateral
 
573,987

 
573,987

 
1,308

 
572,679

 



Because no market exists for certain of these financial instruments and management does not intend to sell these financial instruments, the fair values shown in the tables above may not represent values at which the respective financial instruments could be sold individually or in the aggregate at the given reporting date.

The following methods and assumptions were used in estimating the fair value of these financial instruments:
 
Cash and Cash Equivalents
 
The book value reported in the consolidated balance sheets for cash and short-term instruments approximates those assets’ fair values.
 
Securities
 
The fair values of securities are generally based on Significant Other Observable Inputs such as quoted prices for comparable instruments or interest rates and credit spreads, yield curves, volatilities, prepayment speeds and loss severities. 

Loans
 
The fair value of loans, excluding loans held for sale, are based on discounted cash flow analyses using interest rates and credit and liquidity spreads currently being offered for loans with similar remaining terms to maturity and risk, adjusted for the impact of interest rate floors and ceilings, which are classified as Significant Unobservable Inputs. The fair values of loans were estimated to approximate their discounted cash flows less loan loss allowances allocated to these loans of $220 million at September 30, 2017, $218 million at December 31, 2016 and $217 million at September 30, 2016. A summary of assumptions used in determining the fair value of loans follows:

 
 
Range of
Contractual
Yields
 
Average
Re-pricing
(in years)
 
Discount
Rate
September 30, 2017:
 
 
 
 
 
 
Commercial
 
0.38% - 30.00%
 
0.62
 
0.78% - 4.59%
Commercial real estate
 
0.38% - 18.00%
 
0.77
 
1.04% - 4.38%
Residential mortgage
 
1.74% - 18.00%
 
2.12
 
1.79% - 4.09%
Personal
 
0.25% - 21.00%
 
0.24
 
0.55% - 4.78%
 
 
 
 
 
 
 
December 31, 2016:
 
 
 
 
 
 
Commercial
 
0.38% - 30.00%
 
0.70
 
0.64% - 4.60%
Commercial real estate
 
0.38% - 18.00%
 
0.71
 
0.94% - 4.27%
Residential mortgage
 
1.74% - 18.00%
 
2.27
 
1.71% - 4.26%
Personal
 
0.25% - 21.00%
 
0.40
 
1.03% - 4.59%
 
 
 
 
 
 
 
September 30, 2016:
 
 
 
 
 
 
Commercial
 
0.38% - 30.00%
 
0.69
 
0.54% - 3.93%
Commercial real estate
 
0.38% - 18.00%
 
0.72
 
0.80% - 3.90%
Residential mortgage
 
1.74% - 18.00%
 
1.95
 
1.57% - 3.55%
Personal
 
0.25% - 21.00%
 
0.35
 
0.75% - 4.15%
 
Deposits
 
The fair values of time deposits are based on discounted cash flow analyses using interest rates currently being offered on similar transactions which are considered Significant Unobservable Inputs. Estimated fair value of deposits with no stated maturity, which includes demand deposits, transaction deposits, money market deposits and savings accounts, is equal to the amount payable on demand. Although market premiums paid reflect an additional value for these low cost deposits, adjusting fair value for the expected benefit of these deposits is prohibited. Accordingly, the positive effect of such deposits is not included in the tables above.

A summary of assumptions used in determining the fair value of time deposits follows:

 
 
Range of
Contractual
Yields
 
Average
Re-pricing
(in years)
 
Discount
Rate
September 30, 2017
 
0.03% - 9.64%
 
1.95
 
1.86% - 2.18%
December 31, 2016
 
0.02% - 9.65%
 
1.96
 
1.57% - 2.00%
September 30, 2016
 
0.03% - 9.65%
 
2.10
 
1.37% - 1.66%

 Other Borrowings and Subordinated Debentures
 
The fair values of these instruments are based upon discounted cash flow analyses using interest rates currently being offered on similar instruments, which are considered Significant Unobservable Inputs. A summary of assumptions used in determining the fair value of other borrowings and subordinated debentures follows:

 
 
Range of
Contractual
Yields
 
Average
Re-pricing
(in years)
 
Discount
Rate
September 30, 2017:
 
 
 
 
 
 
Other borrowed funds
 
0.25% - 6.25%
 
0.02
 
1.06% - 3.70%
Subordinated debentures
 
5.38%
 
16.85
 
4.96%
 
 
 
 
 
 
 
December 31, 2016:
 
 
 
 
 
 
Other borrowed funds
 
0.25% - 3.50%
 
0.00
 
0.55% - 3.22%
Subordinated debentures
 
5.38%
 
16.86
 
6.11%
 
 
 
 
 
 
 
September 30, 2016:
 
 
 
 
 
 
Other borrowed funds
 
0.25% - 3.81%
 
0.02
 
0.29% - 2.99%
Subordinated debentures
 
5.38%
 
18.37
 
5.38%

Off-Balance Sheet Instruments
 
The fair values of commercial loan commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements. The fair values of these off-balance sheet instruments were not significant at September 30, 2017, December 31, 2016 or September 30, 2016.
Fair Value Election

As more fully disclosed in Note 2 and Note 6 to the Consolidated Financial Statements, the Company has elected to carry all residential mortgage-backed securities guaranteed by U.S. government agencies and U.S. Treasury securities held as economic hedges against changes in the fair value of mortgage servicing rights and all residential mortgage loans originated for sale at fair value. Changes in the fair value of these financial instruments are recognized in earnings.
v3.8.0.1
Federal and State Income Taxes Federal and State Income Taxes
9 Months Ended
Sep. 30, 2017
Income Tax Disclosure [Abstract]  
Income Tax Disclosure [Text Block]
Federal and State Income Taxes

The reconciliations of income attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands):
 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Amount:
 
 
 
 
 
 
 
 
Federal statutory tax
 
$
44,880

 
$
37,474

 
$
137,048

 
$
93,189

Tax exempt revenue
 
(3,001
)
 
(2,391
)
 
(9,336
)
 
(7,491
)
Effect of state income taxes, net of federal benefit
 
2,486

 
1,364

 
7,875

 
5,222

Utilization of tax credits:
 
 
 
 
 
 
 
 
Low-income housing tax credit, net of amortization
 
(23
)
 
(623
)
 
(2,272
)
 
(2,505
)
Other tax credits
 
(364
)
 
(522
)
 
(1,091
)
 
(1,564
)
Bank-owned life insurance
 
(705
)
 
(813
)
 
(2,252
)
 
(2,414
)
Share-based compensation
 
(169
)
 

 
(2,470
)
 

Other, net
 
(666
)
 
(2,533
)
 
744

 
(556
)
Total income tax expense
 
$
42,438

 
$
31,956

 
$
128,246

 
$
83,881



 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Percent of pretax income:
 
 
 
 
 
 
 
 
Federal statutory tax
 
35.0
 %
 
35.0
 %
 
35.0
 %
 
35.0
 %
Tax exempt revenue
 
(2.3
)
 
(2.2
)
 
(2.4
)
 
(2.8
)
Effect of state income taxes, net of federal benefit
 
1.9

 
1.3

 
2.0

 
2.0

Utilization of tax credits:
 
 
 
 
 
 
 
 
Low-income housing tax credit, net of amortization
 

 
(0.6
)
 
(0.6
)
 
(0.9
)
Other tax credits
 
(0.3
)
 
(0.5
)
 
(0.3
)
 
(0.6
)
Bank-owned life insurance
 
(0.5
)
 
(0.8
)
 
(0.6
)
 
(0.9
)
Share-based compensation
 
(0.1
)
 

 
(0.6
)
 

Other, net
 
(0.6
)
 
(2.4
)
 
0.3

 
(0.3
)
Total
 
33.1
 %
 
29.8
 %
 
32.8
 %
 
31.5
 %
v3.8.0.1
Subsequent Events
9 Months Ended
Sep. 30, 2017
Subsequent Events [Abstract]  
Subsequent Events
Subsequent Events

The Company evaluated events from the date of the consolidated financial statements on September 30, 2017 through the issuance of those consolidated financial statements included in this Quarterly Report on Form 10-Q. No events were identified requiring recognition in and/or disclosure in the consolidated financial statements.
v3.8.0.1
Significant Accounting Policies (Policies)
9 Months Ended
Sep. 30, 2017
Accounting Policies [Abstract]  
Basis of Accounting, Policy [Policy Text Block]
The accompanying unaudited consolidated financial statements of BOK Financial Corporation (“BOK Financial” or “the Company”) have been prepared in accordance with accounting principles for interim financial information generally accepted in the United States and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.
Principles of Consolidation [Policy Text Block]
The unaudited consolidated financial statements include accounts of BOK Financial and its subsidiaries, principally BOKF, NA (“the Bank”), BOK Financial Securities, Inc., The Milestone Group, Inc. and Cavanal Hill Investment Management Inc. Operating divisions of the Bank include Bank of Albuquerque, Bank of Arizona, Bank of Arkansas, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust, Mobank, BOK Financial Mortgage and the TransFund electronic funds network.

Reclassification, Policy [Policy Text Block]
Certain reclassifications have been made to conform to the current period presentation.
Newly Adopted and Pending Accounting Policies [Policy Text Block]
Newly Adopted and Pending Accounting Policies

Financial Accounting Standards Board (“FASB”)

FASB Accounting Standards Update No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09")

On May 28, 2014, the FASB issued ASU 2014-09 to clarify the principles for recognizing revenue by providing a more robust framework that will give greater consistency and comparability in revenue recognition practices. In the new framework, an entity recognizes revenue in an amount that reflects the consideration to which the entity expects to be entitled in exchange for goods or services. The new model requires the identification of performance obligations included in contracts with customers, a determination of the transaction price and an allocation of the price to those performance obligations. The entity recognizes revenue when performance obligations are satisfied. ASU 2014-09 is effective for the Company for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period. Net interest revenue from financial assets and liabilities is explicitly excluded from the scope of ASU 2014-09. Management expects that there will be no material impact on the timing of revenue recognized as our current revenue recognition policies generally conform with the principals in the standard. Management will adopt the standard in the first quarter of 2018 with a cumulative effect adjustment to opening retained earnings if such adjustment is significant. Currently, we do not anticipate any significant adjustments.

FASB Accounting Standards Update No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) ("ASU 2016-08")

On March 17, 2016, the FASB Issued ASU 2016-08 to amend the principal versus agent implementation guidance in ASU 2014-09. The ASU clarifies that an entity should evaluate whether it is the principal or the agent for each specified good or service promised in a contract with a customer. ASU 2016-08 is effective for the Company for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period. Management expects that interchange fees paid to issuing banks for card transactions processed related to its merchant processing services currently included in data processing and communication expense, will be netted against the amounts charged to the merchant in transaction card processing revenue. For 2016, interchange fees related to merchant processing services were approximately $27 million.

FASB Accounting Standards Update No. 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities ("ASU 2016-01")

On January 5, 2016, the FASB issued ASU 2016-01 over the recognition and measurement of financial assets and liabilities. The update requires equity investments, in general, to be measured at fair value with changes in fair value recognized in earnings. It also eliminates the requirement to disclose the methods and significant assumptions used to estimate the fair value for financial instruments measured at amortized cost, requires entities to use the exit price notion when measuring fair value, requires an entity to present separately in other comprehensive income the portion of the total change in fair value of a liability resulting from a change in the instrument-specific credit risk when the fair value option has been elected, requires separate presentation of financial assets and liabilities by measurement category and form on the balance sheet or accompanying notes, clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets, and simplifies the impairment assessment of equity investments without readily determinable fair values. The ASU is effective for the Company for interim and annual periods beginning after December 15, 2017. Upon adoption, unrealized gains and losses from equity securities will be reclassified from other comprehensive income to retained earnings. At September 30, 2017, the Company had $2.2 million of net unrealized gains included in accumulated other comprehensive income.

FASB Accounting Standards Update No. 2016-02, Leases (Topic 842) ("ASU 2016-02")

On February 25, 2016, the FASB issued ASU 2016-02 to increase transparency and comparability by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. Lessees will be required to recognize an obligation for future lease payments measured on a discounted basis and a right-of-use asset. The ASU is effective for the Company for interim and annual periods beginning after December 15, 2018 and requires transition through a modified retrospective approach for leases existing at or entered into after January 1, 2017. The Company is evaluating the impact the adoption of ASU 2016-02 will have on the Company's financial statements.

FASB Accounting Standards Update No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting ("ASU 2016-09")

On March 30, 2016, the FASB issued ASU 2016-09 to simplify multiple aspects of accounting for employee share-based payment transactions including accounting for income taxes, forfeitures, and statutory tax withholding requirements. The ASU became effective for annual reporting periods beginning after December 15, 2016, including interim periods within those annual reporting periods. Implementation of ASU 2016-09 decreased tax expense $2.5 million in the first nine months of 2017.
 
FASB Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Assets Measured at Amortized Cost ("ASU 2016-13")

On June 16, 2016, the FASB issued ASU 2016-13 in order to provide more timely recording of credit losses on loans and other financial instruments. The ASU adds an impairment model (known as the current expected credit loss ("CECL") model) that is based on expected credit losses rather than incurred credit losses. It requires measurement of all expected credit losses for financial assets carried at amortized cost, including loans and investment securities, based on historical experience, current conditions, and reasonable and supportable forecasts. ASU 2016-13 also changes the recognition of other-than-temporary impairment of available for sale securities to an allowance methodology from a direct write-down methodology. ASU 2016-13 will be effective for the Company for annual reporting periods beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted for annual reporting periods beginning after December 15, 2018. ASU 2016-13 will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. The Company is evaluating the impact the adoption of ASU 2016-13 will have on the Company's financial statements.

FASB Accounting Standards Update No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments ("ASU 2016-15")

On August 26, 2016, the FASB issued ASU 2016-15, which amends guidance in ASC 230 on the classification of certain cash receipts and payments in the statement of cash flows. The amendments address eight cash flow issues. ASU 2016-15 is effective for the Company for interim and annual reporting periods beginning after December 15, 2017. Entities generally must apply the guidance retrospectively to all periods presented. Adoption of ASU 2016-15 is not expected to have a material impact on the Company's financial statements.

FASB Accounting Standards Update No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities ("ASU 2017-12")

On August 28, 2017, the FASB issued ASU 2017-12, which amends the hedge accounting recognition and presentation requirements in ASC815 in order to improve transparency and understandability of information and reduce the complexity. The update expands the types of transactions eligible for hedge accounting, eliminates the requirement to separately measure and present hedge ineffectiveness, simplifies hedge effectiveness assessments and updates documentation and presentation requirements. ASU 2017-12 is effective for the Company for fiscal years beginning after December 15, 2018, and interim periods therein; however, early adoption is permitted. The Company is evaluating the impact the adoption of ASU 2017-12 will have on the Company's financial statements.
Derivatives, Policy [Policy Text Block]
Derivative instruments may be used by the Company as part of its internal risk management programs or may be offered to customers. All derivative instruments are carried at fair value and changes in fair value are reported in earnings as they occur. Credit risk is also considered in determining fair value.

When bilateral netting agreements or similar arrangements exist between the Company and its counterparties that create a single legal claim or obligation to pay or receive the net amount in settlement of the individual derivative contracts, the Company reports derivative assets and liabilities on a net by derivative contract type by counterparty basis.

Derivative contracts may require the Company to provide or receive cash margin as collateral for derivative assets and liabilities. Derivative assets and liabilities are reported net of cash margin when certain conditions are met. In addition, derivative contracts executed with customers under Customer Risk Management Programs may be secured by non-cash collateral in conjunction with a credit agreement with that customer. Access to collateral in the event of default is reasonably assured.
 
None of these derivative contracts have been designated as hedging instruments for accounting purposes.

Customer Risk Management Programs
 
BOK Financial offers programs to permit its customers to manage various risks, including fluctuations in energy, cattle and other agricultural products, interest rates and foreign exchange rates with derivative contracts. Customers may also manage interest rate risk through interest rate swaps used by borrowers to modify interest rate terms of their loans or to-be-announced securities used by mortgage banking customers to hedge their loan production. Derivative contracts are executed between the customers and BOK Financial. Offsetting contracts are executed between BOK Financial and other selected counterparties to minimize the risk of changes in commodity prices, interest rates or foreign exchange rates. The counterparty contracts are identical to customer contracts, except for a fixed pricing spread or fee paid to BOK Financial as profit and compensation for administrative costs and credit risk which is recognized over the life of the contracts and included in other operating revenue – brokerage and trading revenue in the Consolidated Statements of Earnings.
 
Internal Risk Management Programs
 
BOK Financial may use derivative contracts in managing its interest rate sensitivity, as part of its economic hedge of the change in the fair value of mortgage servicing rights and as an economic hedge of trading securities. As of September 30, 2017, derivative contracts under the internal risk management programs were primarily used as part of the economic hedges of the change in the fair value of the mortgage servicing rights and trading securities.

As discussed in Note 6, certain derivative contracts not designated as hedging instruments related to mortgage loan commitments and forward sales contracts are included in Residential mortgage loans held for sale on the Consolidated Balance Sheets. See Note 6 for additional discussion of notional, fair value and impact on earnings of these contracts.
Loans and Allowances for Credit Losses, Loans [Policy Text Block]
Loans

Loans are either secured or unsecured based on the type of loan and the financial condition of the borrower. Repayment is generally expected from cash flow or proceeds from the sale of selected assets of the borrower. BOK Financial is exposed to risk of loss on loans due to the borrower’s difficulties, which may arise from any number of factors, including problems within the respective industry or local economic conditions. Access to collateral, in the event of borrower default, is reasonably assured through adherence to applicable lending laws and through sound lending standards and credit review procedures. Accounting policies for all loans, excluding residential mortgage loans guaranteed by U.S. government agencies, are as follows.

Interest is accrued at the applicable interest rate on the principal amount outstanding. Loans are placed on nonaccruing status when, in the opinion of management, full collection of principal or interest is uncertain. Internally risk graded loans are individually evaluated for nonaccruing status quarterly. Non-risk graded loans are generally placed on nonaccruing status when more than 90 days past due or within 60 days of being notified of the borrower's bankruptcy filing. Interest previously accrued but not collected is charged against interest income when the loan is placed on nonaccruing status. Payments on nonaccruing loans are applied to principal or recognized as interest income, according to management’s judgment as to the collectability of principal. Loans may be returned to accruing status when, in the opinion of management, full collection of principal and interest, including principal previously charged off, is probable based on improvements in the borrower’s financial condition or a sustained period of performance.

Loans to borrowers experiencing financial difficulties may be modified in troubled debt restructurings ("TDRs"). All TDRs are classified as nonaccruing, excluding loans guaranteed by U.S. government agencies. Modifications generally consist of extension of payment terms or interest rate concessions and may result either voluntarily through negotiations with the borrower or involuntarily through court order. Generally, principal and accrued but unpaid interest is not voluntarily forgiven.

Performing loans may be renewed under the current collateral value, debt service ratio and other underwriting standards. Nonaccruing loans may be renewed and will remain classified as nonaccruing. 

All loans are charged off when the loan balance or a portion of the loan balance is no longer supported by the paying capacity of the borrower or when the required cash flow is reduced in a TDR. The charge-off amount is determined through a quarterly evaluation of available cash resources and collateral value and charge-offs are taken in the quarter in which the loss is identified. Non-risk graded loans that are past due between 60 days and 180 days, based on the loan product type, are charged off. Loans to borrowers whose personal obligation has been discharged through Chapter 7 bankruptcy proceedings are charged off within 60 days of notice of the bankruptcy filing, regardless of payment status.

Loan origination and commitment fees and direct loan acquisition and origination costs are deferred and amortized as an adjustment to yield over the life of the loan or over the commitment period, as applicable.

Qualifying residential mortgage loans guaranteed by U.S. government agencies have been sold into GNMA pools. Under certain performance conditions specified in government programs, the Company may have the right, but not the obligation to repurchase loans from GNMA pools. These loans no longer qualify for sale accounting and are recognized in the Consolidated Balance Sheets. Guaranteed loans are considered impaired because we do not expect to receive all principal and interest based on the loan's contractual terms. The principal balance continues to be guaranteed; however, interest accrues at a curtailed rate as specified in the programs. The carrying value of these loans is reduced based on an estimate of the expected cash flows discounted at the original note rate plus a liquidity spread. Guaranteed loans may be modified in TDRs in accordance with U.S. government agency guidelines. Interest continues to accrue based on the modified rate. Guaranteed loans may either be resold into GNMA pools after a performance period specified by the programs or foreclosed and conveyed to the guarantors.

Loans are disaggregated into portfolio segments and further disaggregated into classes. The portfolio segment is the level at which the Company develops and documents a systematic method for determining its allowance for credit losses. Classes are a further disaggregation of portfolio segments based on the risk characteristics of the loans and the Company’s method for monitoring and assessing credit risk.
Loans and Allowances for Credit Losses, Allowances for Credit Losses [Policy Text Block]
Allowances for Credit Losses

BOK Financial maintains an allowance for loan losses and an accrual for off-balance sheet credit risk. The accrual for off-balance sheet credit risk is maintained at a level that is appropriate to cover estimated losses associated with credit instruments that are not currently recognized as assets such as loan commitments, standby letters of credit or guarantees. As discussed in greater detail in Note 6, the Company also has separate accruals for off-balance sheet credit risk related to residential mortgage loans previously sold with full or partial recourse and for residential mortgage loans sold to government sponsored agencies under standard representations and warranties.

The appropriateness of the allowance for loan losses and accrual for off-balance sheet credit losses (collectively "allowance for credit losses") is assessed by management based on an ongoing quarterly evaluation of the probable estimated losses inherent in the portfolio, including probable losses on both outstanding loans and unused commitments.

The allowance for loan losses consists of specific allowances attributed to impaired loans that have not yet been charged down to amounts we expect to recover, general allowances for unimpaired loans based on estimated loss rates by loan class and nonspecific allowances based on general economic conditions, risk concentration and related factors. There have been no material changes in the approach or techniques utilized in developing the allowance for loan losses and the accrual for off-balance sheet credit losses for the three and nine months ended September 30, 2017.

Loans are considered to be impaired when it becomes probable that BOK Financial will be unable to collect all amounts due according to the contractual terms of the loan agreements. Internally risk graded loans are evaluated individually for impairment. Substantially all commercial and commercial real estate loans and certain residential mortgage and consumer loans are risk graded based on evaluation of the borrowers' ability to repay. Certain commercial loans and most residential mortgage and consumer loans are small balance, homogeneous pools of loans that are not risk graded. Non-risk graded loans are identified as impaired based on performance status. Generally, non-risk graded loans 90 days or more past due or modified in a TDR or in bankruptcy are considered to be impaired.

Specific allowances for impaired loans are measured by an evaluation of estimated future cash flows discounted at the loans’ initial effective interest rate or the fair value of collateral for certain collateral dependent loans. Collateral value of real property is generally based on third party appraisals that conform to Uniform Standards of Professional Appraisal Practice, less estimated selling costs. Appraised values are on an "as-is" basis and are generally not adjusted by the Company. Updated appraisals are obtained at least annually or more frequently if market conditions indicate collateral values have declined. Collateral value of mineral rights is generally determined by our internal staff of engineers based on projected cash flows under current market conditions. Collateral values and available cash resources that support impaired loans are evaluated quarterly. Historical statistics may be used as a practical way to estimate impairment in limited situations, such as when a collateral dependent loan is identified as impaired at the end of a reporting period, until an updated appraisal of collateral value is received or a full assessment of future cash flows is completed. Estimates of future cash flows and collateral values require significant judgments and may be volatile.

General allowances for unimpaired loans are based on estimated loss rates by loan class. The gross loss rate for each loan class is determined by the greater of the current gross loss rate based on the most recent twelve months or a ten-year gross loss rate. Recoveries are not directly considered in the estimation of loss rates. Recoveries generally do not follow predictable patterns and are not received until well after the charge-off date as a result of protracted legal actions. For risk graded loans, gross loss rates are adjusted for changes in risk grading. For each loan class, the current weighted average risk grade is compared to the long-term average risk grade. This comparison determines whether credit risk in each loan class is increasing or decreasing. Loss rates are adjusted upward or downward in proportion to changes in average risk grading. General allowances for unimpaired loans also consider inherent risks identified for each loan class. Inherent risks consider loss rates that most appropriately represent the current credit cycle and other factors attributable to specific loan classes which have not yet been represented in the gross loss rates or risk grading. These factors include changes in commodity prices or engineering imprecision, which may affect the value of reserves that secure our energy loan portfolio, construction risk that may affect commercial real estate loans, changes in regulations and public policy that may disproportionately impact health care loans and changes in loan products.

Nonspecific allowances are maintained for risks beyond factors specific to a particular loan or loan class. These factors include trends in the economy of our primary lending areas, concentrations in large balance loans and other relevant factors.

An accrual for off-balance sheet credit losses is included in Other liabilities in the Consolidated Balance Sheets. The appropriateness of this accrual is determined in the same manner as the allowance for loan losses.

A provision for credit losses is charged against or credited to earnings in amounts necessary to maintain an appropriate allowance for credit losses. Recoveries of loans previously charged off are added to the allowance when received.
v3.8.0.1
Securities (Tables)
9 Months Ended
Sep. 30, 2017
Marketable Securities [Abstract]  
Trading Securities [Table Text Block]
The fair value and net unrealized gain (loss) included in trading securities are as follows (in thousands):
 
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair
Value
 
Net Unrealized Gain (Loss)
U.S. government agency debentures
 
$
30,162

 
$
(101
)
 
$
6,234

 
$
(4
)
 
$
15,705

 
$
(7
)
U.S. government agency residential mortgage-backed securities
 
516,760

 
723

 
310,067

 
635

 
464,749

 
876

Municipal and other tax-exempt securities
 
56,148

 
153

 
14,427

 
50

 
54,856

 
(100
)
Other trading securities
 
11,047

 
23

 
6,900

 
57

 
11,305

 
14

Total trading securities
 
$
614,117

 
$
798

 
$
337,628

 
$
738

 
$
546,615

 
$
783

Investment Securities (Held-to-Maturity) [Table Text Block]
The amortized cost and fair values of investment securities are as follows (in thousands):

 
 
September 30, 2017
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
246,000

 
$
249,250

 
$
3,415

 
$
(165
)
U.S. government agency residential mortgage-backed securities – Other
 
16,926

 
17,458

 
594

 
(62
)
Other debt securities
 
203,636

 
223,187

 
20,141

 
(590
)
Total investment securities
 
$
466,562

 
$
489,895

 
$
24,150

 
$
(817
)

1 
Gross unrealized gains and losses are not recognized in Accumulated Other Comprehensive Income "AOCI" in the Consolidated Balance Sheets.
 
 
December 31, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
320,364

 
$
321,225

 
$
2,272

 
$
(1,411
)
U.S. government agency residential mortgage-backed securities – Other
 
20,777

 
21,473

 
767

 
(71
)
Other debt securities
 
205,004

 
222,795

 
18,115

 
(324
)
Total investment securities
 
$
546,145

 
$
565,493

 
$
21,154

 
$
(1,806
)

1 
Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
 
 
September 30, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
Cost
 
Value
 
Gain
 
Loss
Municipal and other tax-exempt
 
$
323,225

 
$
327,788

 
$
4,745

 
$
(182
)
U.S. government agency residential mortgage-backed securities – Other
 
22,166

 
23,452

 
1,286

 

Other debt securities
 
201,066

 
229,070

 
28,014

 
(10
)
Total investment securities
 
$
546,457

 
$
580,310

 
$
34,045

 
$
(192
)

1 
Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
The amortized cost and fair values of investment securities at September 30, 2017, by contractual maturity, are as shown in the following table (dollars in thousands):
 
 
Less than
One Year
 
One to
Five Years
 
Six to
Ten Years
 
Over
Ten Years
 
Total
 
Weighted
Average
Maturity²
Municipal and other tax-exempt:
 
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
 
$
84,786

 
$
107,938

 
$
16,132

 
$
37,144

 
$
246,000

 
3.51

Fair value
 
84,835

 
108,352

 
16,776

 
39,287

 
249,250

 
 
Nominal yield¹
 
1.75
%
 
2.15
%
 
4.68
%
 
5.21
%
 
2.64
%
 
 
Other debt securities:
 
 

 
 

 
 

 
 

 
 

 
 
Amortized cost
 
13,546

 
47,077

 
130,494

 
12,519

 
203,636

 
6.40

Fair value
 
13,688

 
50,230

 
147,066

 
12,203

 
223,187

 
 
Nominal yield
 
4.10
%
 
4.86
%
 
5.75
%
 
4.47
%
 
5.35
%
 
 
Total fixed maturity securities:
 
 

 
 

 
 

 
 

 
 

 
 
Amortized cost
 
$
98,332

 
$
155,015

 
$
146,626

 
$
49,663

 
$
449,636

 
4.82

Fair value
 
98,523

 
158,582

 
163,842

 
51,490

 
472,437

 
 

Nominal yield
 
2.08
%
 
2.97
%
 
5.63
%
 
5.02
%
 
3.87
%
 
 

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 
 

 
 

 
 

 
 

 
$
16,926

 
³

Fair value
 
 

 
 

 
 

 
 

 
17,458

 
 

Nominal yield4
 
 

 
 

 
 

 
 

 
2.76
%
 
 

Total investment securities:
 
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 
 

 
 

 
 

 
 

 
$
466,562

 
 

Fair value
 
 

 
 

 
 

 
 

 
489,895

 
 

Nominal yield
 
 

 
 

 
 

 
 

 
3.83
%
 
 

1 
Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
2 
Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
3 
The average expected lives of residential mortgage-backed securities were 4.7 years based upon current prepayment assumptions.
4 
The nominal yield on residential mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary - Unaudited for current yields on the investment securities portfolio.
Available For Sale Securities [Table Text Block]
The amortized cost and fair value of available for sale securities are as follows (in thousands):
 
 
September 30, 2017
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
999

 
$

 
$
(1
)
 
$

Municipal and other tax-exempt
 
28,411

 
28,368

 
240

 
(283
)
 

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,103,869

 
3,108,822

 
25,510

 
(20,557
)
 

FHLMC
 
1,331,212

 
1,330,159

 
6,630

 
(7,683
)
 

GNMA
 
864,256

 
862,394

 
3,254

 
(5,116
)
 

Other
 
25,000

 
25,009

 
51

 
(42
)
 

Total U.S. government agencies
 
5,324,337

 
5,326,384

 
35,445

 
(33,398
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
35,853

 
46,695

 
10,842

 

 

Jumbo-A loans
 
44,944

 
53,299

 
8,355

 

 

Total private issue
 
80,797

 
99,994

 
19,197

 

 

Total residential mortgage-backed securities
 
5,405,134

 
5,426,378

 
54,642

 
(33,398
)
 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,899,828

 
2,889,346

 
5,577

 
(16,059
)
 

Other debt securities
 
4,400

 
4,153

 

 
(247
)
 

Perpetual preferred stock
 
12,562

 
16,245

 
3,683

 

 

Equity securities and mutual funds
 
17,803

 
17,710

 
655

 
(748
)
 

Total available for sale securities
 
$
8,369,138

 
$
8,383,199

 
$
64,797

 
$
(50,736
)
 
$

1 Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.
 
 
December 31, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized¹
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
999

 
$

 
$
(1
)
 
$

Municipal and other tax-exempt
 
41,050

 
40,993

 
343

 
(400
)
 

Residential mortgage-backed securities:
 
 
 
 

 
 

 
 

 
 

U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,062,525

 
3,055,676

 
25,066

 
(31,915
)
 

FHLMC
 
1,534,451

 
1,531,116

 
8,475

 
(11,810
)
 

GNMA
 
878,375

 
873,594

 
2,259

 
(7,040
)
 

Total U.S. government agencies
 
5,475,351

 
5,460,386

 
35,800

 
(50,765
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
44,245

 
51,512

 
7,485

 

 
(218
)
Jumbo-A loans
 
56,947

 
64,023

 
7,092

 
(16
)
 

Total private issue
 
101,192

 
115,535

 
14,577

 
(16
)
 
(218
)
Total residential mortgage-backed securities
 
5,576,543

 
5,575,921

 
50,377

 
(50,781
)
 
(218
)
Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,035,750

 
3,017,933

 
5,472

 
(23,289
)
 

Other debt securities
 
4,400

 
4,152

 

 
(248
)
 

Perpetual preferred stock
 
15,561

 
18,474

 
2,913

 

 

Equity securities and mutual funds
 
17,424

 
18,357

 
1,060

 
(127
)
 

Total available for sale securities
 
$
8,691,728

 
$
8,676,829

 
$
60,165

 
$
(74,846
)
 
$
(218
)
1 Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.

 
 
September 30, 2016
 
 
Amortized
 
Fair
 
Gross Unrealized1
 
 
 
 
Cost
 
Value
 
Gain
 
Loss
 
OTTI²
U.S. Treasury
 
$
1,000

 
$
1,002

 
$
2

 
$

 
$

Municipal and other tax-exempt
 
41,943

 
42,092

 
602

 
(453
)
 

Residential mortgage-backed securities:
 
 
 
 
 
 
 
 
 
 
U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

FNMA
 
3,035,041

 
3,101,136

 
67,859

 
(1,764
)
 

FHLMC
 
1,611,887

 
1,641,178

 
29,640

 
(349
)
 

GNMA
 
924,176

 
926,358

 
3,530

 
(1,348
)
 

Total U.S. government agencies
 
5,571,104

 
5,668,672

 
101,029

 
(3,461
)
 

Private issue:
 
 

 
 

 
 

 
 

 
 

Alt-A loans
 
47,039

 
54,065

 
7,230

 

 
(204
)
Jumbo-A loans
 
61,377

 
67,538

 
6,187

 
(26
)
 

Total private issue
 
108,416

 
121,603

 
13,417

 
(26
)
 
(204
)
Total residential mortgage-backed securities
 
5,679,520

 
5,790,275

 
114,446

 
(3,487
)
 
(204
)
Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,942,988

 
2,986,495

 
45,329

 
(1,822
)
 

Other debt securities
 
4,400

 
4,151

 

 
(249
)
 

Perpetual preferred stock
 
15,562

 
19,578

 
4,016

 

 

Equity securities and mutual funds
 
17,337

 
18,690

 
1,370

 
(17
)
 

Total available for sale securities
 
$
8,702,750

 
$
8,862,283

 
$
165,765

 
$
(6,028
)
 
$
(204
)
1 
Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
2 
Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.

The amortized cost and fair values of available for sale securities at September 30, 2017, by contractual maturity, are as shown in the following table (dollars in thousands):
 
Less than
One Year
 
One to
Five Years
 
Six to
Ten Years
 
Over
Ten Years
 
Total
 
Weighted
Average
Maturity5
U.S. Treasuries:
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
$
1,000

 
$

 
$

 
$

 
$
1,000

 
0.29

Fair value
999

 

 

 

 
999

 
 
Nominal yield
0.87
%
 
%
 
%
 
%
 
0.87
%
 
 
Municipal and other tax-exempt:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$
8,754

 
$
4,163

 
$

 
$
15,494

 
$
28,411

 
9.00

Fair value
8,780

 
4,313

 

 
15,275

 
28,368

 
 
Nominal yield¹
3.25
%
 
5.13
%
 
%
 
2.26
%
6 
2.99
%
 
 
Commercial mortgage-backed securities:
 
 
 
 
 
 
 
 
 
 
 
Amortized cost
$
59,483

 
$
978,565

 
$
1,616,383

 
$
245,397

 
$
2,899,828

 
6.90

Fair value
59,402

 
976,466

 
1,610,642

 
242,836

 
2,889,346

 
 
Nominal yield
1.25
%
 
1.85
%
 
1.92
%
 
1.92
%
 
1.88
%
 
 
Other debt securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$

 
$

 
$

 
$
4,400

 
$
4,400

 
29.91

Fair value

 

 

 
4,153

 
4,153

 
 
Nominal yield
%
 
%
 
%
 
1.71
%
6 
1.71
%
 
 
Total fixed maturity securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
$
69,237

 
$
982,728

 
$
1,616,383

 
$
265,291

 
$
2,933,639

 
6.96

Fair value
69,181

 
980,779

 
1,610,642

 
262,264

 
2,922,866

 
 
Nominal yield
1.50
%
 
1.86
%
 
1.92
%
 
1.93
%
 
1.88
%
 
 
Residential mortgage-backed securities:
 

 
 

 
 

 
 

 
 
 
 
Amortized cost
 

 
 

 
 

 
 

 
$
5,405,134

 
2 

Fair value
 

 
 

 
 

 
 

 
5,426,378

 
 
Nominal yield4
 

 
 

 
 

 
 

 
1.99
%
 
 
Equity securities and mutual funds:
 

 
 

 
 

 
 

 
 

 
 

Amortized cost
 

 
 

 
 

 
 

 
$
30,365

 
³

Fair value
 

 
 

 
 

 
 

 
33,955

 
 

Nominal yield
 

 
 

 
 

 
 

 
%
 
 

Total available-for-sale securities:
 

 
 

 
 

 
 

 
 
 
 

Amortized cost
 

 
 

 
 

 
 

 
$
8,369,138

 
 

Fair value
 

 
 

 
 

 
 

 
8,383,199

 
 

Nominal yield
 

 
 

 
 

 
 

 
1.95
%
 
 

1 
Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
2 
The average expected lives of mortgage-backed securities were 4.0 years years based upon current prepayment assumptions.
3 
Primarily common stock and preferred stock of corporate issuers with no stated maturity.
4 
The nominal yield on mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary –– Unaudited following for current yields on available for sale securities portfolio.
5 
Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
6 
Nominal yield on municipal and other tax-exempt securities and other debt securities with contractual maturity dates over ten years are based on variable rates which generally are reset within 35 days.

Sales of available for sale securities resulted in gains and losses as follows (in thousands):
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
2017
 
2016
 
2017
 
2016
Proceeds
$
265,632

 
$
232,239

 
$
966,044

 
$
1,027,379

Gross realized gains
2,768

 
2,415

 
7,623

 
11,705

Gross realized losses
(281
)
 
(21
)
 
(2,707
)
 
(21
)
Related federal and state income tax expense
967

 
931

 
1,912

 
4,545

Securities Pledged As Collateral [Table Text Block]
A summary of investment and available for sale securities that have been pledged as collateral for repurchase agreements, public trust funds on deposit and for other purposes, as required by law was as follows (in thousands):
 
Sept. 30, 2017
 
Dec. 31, 2016
 
Sept. 30, 2016
Investment:
 
 
 
 
 
Amortized cost
$
237,525

 
$
322,208

 
$
301,754

Fair value
241,208

 
323,808

 
307,264

 
 
 
 
 
 
Available for sale:
 
 
 
 
 
Amortized cost
6,559,615

 
7,353,116

 
7,098,721

Fair value
6,551,240

 
7,327,470

 
7,213,520

Schedule of Unrealized Loss on Investments [Table Text Block]
Temporarily Impaired Securities as of September 30, 2017
(in thousands):
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
63

 
$
80,235

 
$
70

 
$
9,795

 
$
95

 
$
90,030

 
$
165

U.S. government agency residential mortgage-backed securities – Other
 
1

 
3,578

 
62

 

 

 
3,578

 
62

Other debt securities
 
28

 
10,022

 
566

 
427

 
24

 
10,449

 
590

Total investment securities
 
92

 
$
93,835

 
$
698

 
$
10,222

 
$
119

 
$
104,057

 
$
817


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

U.S. Treasury
 
1

 
$
999

 
$
1

 
$

 
$

 
$
999

 
$
1

Municipal and other tax-exempt
 
11

 
576

 
1

 
4,785

 
282

 
5,361

 
283

Residential mortgage-backed securities:
 
 
 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 
 
 

 
 

 
 

 
 

 


 


FNMA
 
81

 
1,054,171

 
10,288

 
480,994

 
10,269

 
1,535,165

 
20,557

FHLMC
 
42

 
477,823

 
3,546

 
198,478

 
4,137

 
676,301

 
7,683

GNMA
 
17

 
166,565

 
1,718

 
124,037

 
3,398

 
290,602

 
5,116

Other
 
1

 
19,958

 
42

 

 

 
19,958

 
42

Total U.S. government agencies
 
141


1,718,517


15,594


803,509


17,804


2,522,026


33,398

Private issue:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 

 

 

 

 

 

 

Jumbo-A loans
 

 

 

 

 

 

 

Total private issue
 

 

 

 

 

 

 

Total residential mortgage-backed securities
 
141

 
1,718,517

 
15,594

 
803,509

 
17,804

 
2,522,026

 
33,398

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
137

 
1,154,911

 
7,194

 
559,984

 
8,865

 
1,714,895

 
16,059

Other debt securities
 
2

 

 

 
4,153

 
247

 
4,153

 
247

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
91

 
3,672

 
696

 
1,428

 
52

 
5,100

 
748

Total available for sale securities
 
383

 
$
2,878,675


$
23,486


$
1,373,859


$
27,250


$
4,252,534


$
50,736




Temporarily Impaired Securities as of December 31, 2016
(In thousands)
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
151

 
$
219,892

 
$
1,316

 
$
4,333

 
$
95

 
$
224,225

 
$
1,411

U.S. government agency residential mortgage-backed securities – Other
 
1

 
4,358

 
71

 

 

 
4,358

 
71

Other debt securities
 
41

 
11,820

 
322

 
855

 
2

 
12,675

 
324

Total investment securities
 
193

 
$
236,070

 
$
1,709

 
$
5,188

 
$
97

 
$
241,258

 
$
1,806


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 


 


U.S. Treasury
 
1

 
$
999

 
$
1

 
$

 
$

 
$
999

 
$
1

Municipal and other tax-exempt
 
24

 
15,666

 
22

 
4,689

 
378

 
20,355

 
400

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

 


 


FNMA
 
91

 
1,787,644

 
30,238

 
72,105

 
1,677

 
1,859,749

 
31,915

FHLMC
 
58

 
964,017

 
11,210

 
18,307

 
600

 
982,324

 
11,810

GNMA
 
31

 
548,637

 
6,145

 
25,796

 
895

 
574,433

 
7,040

Total U.S. government agencies
 
180

 
3,300,298

 
47,593

 
116,208

 
3,172

 
3,416,506

 
50,765

Private issue1:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 
5

 
7,931

 
174

 
7,410

 
44

 
15,341

 
218

Jumbo-A loans
 
1

 

 

 
6,098

 
16

 
6,098

 
16

Total private issue
 
6

 
7,931

 
174

 
13,508

 
60

 
21,439

 
234

Total residential mortgage-backed securities
 
186

 
3,308,229

 
47,767

 
129,716

 
3,232

 
3,437,945

 
50,999

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
171

 
1,904,584

 
22,987

 
38,875

 
302

 
1,943,459

 
23,289

Other debt securities
 
2

 

 

 
4,152

 
248

 
4,152

 
248

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
104

 
2,127

 
41

 
817

 
86

 
2,944

 
127

Total available for sale securities
 
488

 
$
5,231,605


$
70,818


$
178,249


$
4,246


$
5,409,854


$
75,064

1 
Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.


Temporarily Impaired Securities as of September 30, 2016
(In thousands)
 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt
 
75

 
$
100,624

 
$
106

 
$
4,359

 
$
76

 
$
104,983

 
$
182

U.S. government agency residential mortgage-backed securities – Other
 

 

 

 

 

 

 

Other debt securities
 
3

 
444

 
6

 
856

 
4

 
1,300

 
10

Total investment securities
 
78

 
$
101,068

 
$
112

 
$
5,215

 
$
80

 
$
106,283

 
$
192


 
 
Number of Securities
 
Less Than 12 Months
 
12 Months or Longer
 
Total
 
 
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
 
Fair
Value
 
Unrealized
Loss
Available for sale:
 
 

 
 

 
 

 
 

 
 

 


 


U.S. Treasury
 

 
$

 
$

 
$

 
$

 
$

 
$

Municipal and other tax-exempt1
 
20

 
2,210

 
3

 
6,396

 
450

 
8,606

 
453

Residential mortgage-backed securities:
 
 

 
 

 
 

 
 

 
 

 


 


U. S. government agencies:
 
 

 
 

 
 

 
 

 
 

 


 


FNMA
 
14

 
365,201

 
1,712

 
14,229

 
52

 
379,430

 
1,764

FHLMC
 
6

 
122,713

 
91

 
20,306

 
258

 
143,019

 
349

GNMA
 
16

 
230,043

 
1,157

 
212,705

 
191

 
442,748

 
1,348

Total U.S. government agencies
 
36

 
717,957

 
2,960

 
247,240

 
501

 
965,197

 
3,461

Private issue1:
 
 

 
 

 
 

 
 

 
 

 


 


Alt-A loans
 
5

 
8,231

 
141

 
7,773

 
63

 
16,004

 
204

Jumbo-A loans
 
1

 
6,583

 
26

 

 

 
6,583

 
26

Total private issue
 
6

 
14,814

 
167

 
7,773

 
63

 
22,587

 
230

Total residential mortgage-backed securities
 
42

 
732,771

 
3,127

 
255,013

 
564

 
987,784

 
3,691

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
33

 
372,805

 
1,656

 
60,851

 
166

 
433,656

 
1,822

Other debt securities
 
2

 

 

 
4,151

 
249

 
4,151

 
249

Perpetual preferred stocks
 

 

 

 

 

 

 

Equity securities and mutual funds
 
33

 
86

 

 
886

 
17

 
972

 
17

Total available for sale securities
 
130

 
$
1,107,872

 
$
4,786

 
$
327,297

 
$
1,446

 
$
1,435,169

 
$
6,232

1 
Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.

Fair Value Option Securities [Table Text Block]
The fair value and net unrealized gain (loss) included in fair value option securities is as follows (in thousands):
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair Value
 
Net Unrealized Gain (Loss)
 
Fair
Value
 
Net Unrealized Gain (Loss)
U.S. Treasury
 
$

 
$

 
$

 
$

 
$
222,409

 
$
(2,397
)
U.S. government agency residential mortgage-backed securities
 
819,531

 
1,671

 
77,046

 
(1,777
)
 

 

Total
 
$
819,531

 
$
1,671

 
$
77,046

 
$
(1,777
)
 
$
222,409

 
$
(2,397
)
Schedule of Restricted Equity Securities [Table Text Block]
 
Sept. 30, 2017
 
Dec. 31, 2016
 
Sept. 30, 2016
Federal Reserve stock
$
36,676

 
$
36,498

 
$
36,283

Federal Home Loan Bank stock
310,622

 
270,541

 
296,907

Other
244

 
201

 
201

Total
$
347,542


$
307,240


$
333,391

v3.8.0.1
Derivatives (Tables)
9 Months Ended
Sep. 30, 2017
Derivative Instrument Detail [Abstract]  
Derivative Contracts [Table Text Block]
The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at September 30, 2017 (in thousands):
 
 
Assets
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
14,244,442

 
$
38,875

 
$
(9,547
)
 
$
29,328

 
$

 
$
29,328

Interest rate swaps
 
1,368,210

 
27,016

 

 
27,016

 
(2,820
)
 
24,196

Energy contracts
 
983,794

 
45,368

 
(35,166
)
 
10,202

 
(238
)
 
9,964

Agricultural contracts
 
60,745

 
1,870

 
(1,172
)
 
698

 

 
698

Foreign exchange contracts
 
252,525

 
249,788

 

 
249,788

 

 
249,788

Equity option contracts
 
101,841

 
4,871

 

 
4,871

 
(920
)
 
3,951

Total customer risk management programs
 
17,011,557

 
367,788

 
(45,885
)
 
321,903

 
(3,978
)
 
317,925

Internal risk management programs
 
11,941,260

 
34,634

 

 
34,634

 

 
34,634

Total derivative contracts
 
$
28,952,817

 
$
402,422

 
$
(45,885
)
 
$
356,537

 
$
(3,978
)
 
$
352,559

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional¹
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
14,244,442

 
$
34,948

 
$
(9,547
)
 
$
25,401

 
$
(374
)
 
$
25,027

Interest rate swaps
 
1,368,230

 
27,056

 

 
27,056

 
(16,599
)
 
10,457

Energy contracts
 
939,350

 
42,744

 
(35,166
)
 
7,578

 

 
7,578

Agricultural contracts
 
60,746

 
1,846

 
(1,172
)
 
674

 

 
674

Foreign exchange contracts
 
249,269

 
245,925

 

 
245,925

 
(1,395
)
 
244,530

Equity option contracts
 
101,841

 
4,871

 

 
4,871

 

 
4,871

Total customer risk management programs
 
16,963,878

 
357,390

 
(45,885
)
 
311,505

 
(18,368
)
 
293,137

Internal risk management programs
 
9,180,531

 
43,190

 

 
43,190

 

 
43,190

Total derivative contracts
 
$
26,144,409

 
$
400,580

 
$
(45,885
)
 
$
354,695

 
$
(18,368
)
 
$
336,327

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.


The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at December 31, 2016 (in thousands):

 
 
Assets
 
 
Notional 1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
16,949,152

 
$
180,695

 
$
(60,555
)
 
$
120,140

 
$

 
$
120,140

Interest rate swaps
 
1,403,408

 
34,442

 

 
34,442

 
(4,567
)
 
29,875

Energy contracts
 
835,566

 
64,140

 
(28,298
)
 
35,842

 
(71
)
 
35,771

Agricultural contracts
 
53,209

 
1,382

 
(515
)
 
867

 

 
867

Foreign exchange contracts
 
580,886

 
494,349

 

 
494,349

 
(5,183
)
 
489,166

Equity option contracts
 
100,924

 
4,357

 

 
4,357

 
(730
)
 
3,627

Total customer risk management programs
 
19,923,145

 
779,365

 
(89,368
)
 
689,997

 
(10,551
)
 
679,446

Internal risk management programs
 
2,514,169

 
10,426

 

 
10,426

 

 
10,426

Total derivative contracts
 
$
22,437,314

 
$
789,791

 
$
(89,368
)
 
$
700,423

 
$
(10,551
)
 
$
689,872

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional 1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
16,637,532

 
$
176,928

 
$
(60,555
)
 
$
116,373

 
$

 
$
116,373

Interest rate swaps
 
1,403,408

 
34,442

 

 
34,442

 
(11,977
)
 
22,465

Energy contracts
 
820,365

 
64,306

 
(28,298
)
 
36,008

 
(31,534
)
 
4,474

Agricultural contracts
 
53,216

 
1,365

 
(515
)
 
850

 
(769
)
 
81

Foreign exchange contracts
 
580,712

 
494,695

 

 
494,695

 
(3,630
)
 
491,065

Equity option contracts
 
100,924

 
4,357

 

 
4,357

 

 
4,357

Total customer risk management programs
 
19,596,157

 
776,093

 
(89,368
)
 
686,725

 
(47,910
)
 
638,815

Internal risk management programs
 
2,582,202

 
25,716

 

 
25,716

 

 
25,716

Total derivative contracts
 
$
22,178,359

 
$
801,809

 
$
(89,368
)
 
$
712,441

 
$
(47,910
)
 
$
664,531

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.




The following table summarizes the fair values of derivative contracts recorded as “derivative contracts” assets and liabilities in the balance sheet at September 30, 2016 (in thousands):
 
 
Assets
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
20,078,974

 
$
90,999

 
$
(38,678
)
 
$
52,321

 
$

 
$
52,321

Interest rate swaps
 
1,323,045

 
49,279

 

 
49,279

 
(794
)
 
48,485

Energy contracts
 
729,202

 
41,775

 
(28,464
)
 
13,311

 
(288
)
 
13,023

Agricultural contracts
 
53,002

 
3,950

 
(1,571
)
 
2,379

 
(1,076
)
 
1,303

Foreign exchange contracts
 
550,828

 
536,264

 

 
536,264

 
(7,577
)
 
528,687

Equity option contracts
 
103,464

 
4,654

 

 
4,654

 
(730
)
 
3,924

Total customer risk management programs
 
22,838,515

 
726,921

 
(68,713
)
 
658,208

 
(10,465
)
 
647,743

Internal risk management programs
 
2,298,038

 
7,335

 

 
7,335

 

 
7,335

Total derivative contracts
 
$
25,136,553

 
$
734,256

 
$
(68,713
)
 
$
665,543

 
$
(10,465
)
 
$
655,078

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Liabilities
 
 
Notional1
 
Gross Fair Value
 
Netting Adjustments
 
Net Fair Value Before Cash Collateral
 
Cash Collateral
 
Fair Value Net of Cash Collateral
Customer risk management programs:
 
 
 
 
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
19,776,883

 
$
86,812

 
$
(38,678
)
 
$
48,134

 
$
(39,042
)
 
$
9,092

Interest rate swaps
 
1,323,045

 
49,518

 

 
49,518

 
(34,457
)
 
15,061

Energy contracts
 
695,835

 
40,888

 
(28,464
)
 
12,424

 
(3,857
)
 
8,567

Agricultural contracts
 
52,997

 
3,943

 
(1,571
)
 
2,372

 

 
2,372

Foreign exchange contracts
 
550,943

 
536,660

 

 
536,660

 
(5,396
)
 
531,264

Equity option contracts
 
103,464

 
4,654

 

 
4,654

 

 
4,654

Total customer risk management programs
 
22,503,167

 
722,475

 
(68,713
)
 
653,762

 
(82,752
)
 
571,010

Internal risk management programs
 
1,485,691

 
2,977

 

 
2,977

 

 
2,977

Total derivative contracts
 
$
23,988,858

 
$
725,452

 
$
(68,713
)
 
$
656,739

 
$
(82,752
)
 
$
573,987

1 
Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
Derivative Instruments, Gain (Loss) in Statement of Earnings [Table Text Block]
The following summarizes the pre-tax net gains (losses) on derivative instruments and where they are recorded in the income statement (in thousands):
 
 
Three Months Ended
 
 
September 30, 2017
 
September 30, 2016
 
 
Brokerage
and Trading Revenue
 
Gain (Loss) on Derivatives, Net
 
Brokerage
and Trading
Revenue
 
Gain (Loss)on Derivatives, Net
Customer risk management programs:
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
9,181

 
$

 
$
11,584

 
$

Interest rate swaps
 
767

 

 
710

 

Energy contracts
 
378

 

 
1,222

 

Agricultural contracts
 
38

 

 
25

 

Foreign exchange contracts
 
164

 

 
218

 

Equity option contracts
 

 

 

 

Total customer risk management programs
 
10,528

 

 
13,759

 

Internal risk management programs
 
(711
)
 
1,033

 
(1,608
)
 
2,226

Total derivative contracts
 
$
9,817

 
$
1,033

 
$
12,151

 
$
2,226


 
 
Nine Months Ended
 
 
September 30, 2017
 
September 30, 2016
 
 
Brokerage
and Trading Revenue
 
Gain (Loss) on Derivatives, Net
 
Brokerage
and Trading
Revenue
 
Gain (Loss) on Derivatives, Net
Customer risk management programs:
 
 
 
 
 
 
 
 
Interest rate contracts
 
 
 
 
 
 
 
 
To-be-announced residential mortgage-backed securities
 
$
26,413

 
$

 
$
28,886

 
$

Interest rate swaps
 
1,891

 

 
1,758

 

Energy contracts
 
4,917

 

 
4,667

 

Agricultural contracts
 
58

 

 
86

 

Foreign exchange contracts
 
524

 

 
730

 

Equity option contracts
 

 

 

 

Total customer risk management programs
 
33,803

 

 
36,127

 

Internal risk management programs
 
5,307

 
3,824

 
(1,617
)
 
20,130

Total derivative contracts
 
$
39,110

 
$
3,824

 
$
34,510

 
$
20,130

v3.8.0.1
Loans and Allowances for Credit Losses (Tables)
9 Months Ended
Sep. 30, 2017
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
September 30, 2017
 
December 31, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
2,225,470

 
$
8,393,564

 
$
176,900

 
$
10,795,934

 
$
2,327,085

 
$
7,884,786

 
$
178,953

 
$
10,390,824

Commercial real estate
 
564,681

 
2,950,486

 
2,975

 
3,518,142

 
624,187

 
3,179,338

 
5,521

 
3,809,046

Residential mortgage
 
1,589,013

 
311,231

 
45,506

 
1,945,750

 
1,647,357

 
256,255

 
46,220

 
1,949,832

Personal
 
153,750

 
793,003

 
255

 
947,008

 
154,971

 
684,697

 
290

 
839,958

Total
 
$
4,532,914

 
$
12,448,284

 
$
225,636

 
$
17,206,834

 
$
4,753,600

 
$
12,005,076

 
$
230,984

 
$
16,989,660

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
253

 
 

 
 

 
 

 
$
5

 
 
September 30, 2016
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
1,991,423

 
$
7,952,276

 
$
176,464

 
$
10,120,163

Commercial real estate
 
565,429

 
3,220,819

 
7,350

 
3,793,598

Residential mortgage
 
1,572,288

 
248,053

 
52,452

 
1,872,793

Personal
 
104,408

 
573,138

 
686

 
678,232

Total
 
$
4,233,548

 
$
11,994,286

 
$
236,952

 
$
16,464,786

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
3,839

1 
Excludes residential mortgage loans guaranteed by agencies of the U.S. government
Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
137,742

 
$
58,580

 
$
18,259

 
$
8,106

 
$
27,374

 
$
250,061

Provision for loan losses
 
2,474

 
(2,914
)
 
168

 
598

 
704

 
1,030

Loans charged off
 
(4,429
)
 

 
(168
)
 
(1,228
)
 

 
(5,825
)
Recoveries
 
1,014

 
739

 
134

 
550

 

 
2,437

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
6,301

 
$
84

 
$
38

 
$
8

 
$

 
$
6,431

Provision for off-balance sheet credit losses
 
(976
)
 
(49
)
 
1

 
(6
)
 

 
(1,030
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
1,498

 
$
(2,963
)
 
$
169

 
$
592

 
$
704

 
$


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2017 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
140,213

 
$
50,749

 
$
18,224

 
$
8,773

 
$
28,200

 
$
246,159

Provision for loan losses
 
665

 
4,050

 
82

 
1,168

 
(122
)
 
5,843

Loans charged off
 
(6,556
)
 
(76
)
 
(444
)
 
(3,774
)
 

 
(10,850
)
Recoveries
 
2,479

 
1,682

 
531

 
1,859

 

 
6,551

Ending balance
 
$
136,801

 
$
56,405

 
$
18,393

 
$
8,026

 
$
28,078

 
$
247,703

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
11,063

 
$
123

 
$
50

 
$
8

 
$

 
$
11,244

Provision for off-balance sheet credit losses
 
(5,738
)
 
(88
)
 
(11
)
 
(6
)
 

 
(5,843
)
Ending balance
 
$
5,325

 
$
35

 
$
39

 
$
2

 
$

 
$
5,401

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(5,073
)
 
$
3,962

 
$
71

 
$
1,162

 
$
(122
)
 
$


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended September 30, 2016 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
145,139

 
$
46,745

 
$
18,690

 
$
6,001

 
$
26,684

 
$
243,259

Provision for loan losses
 
2,420

 
2,551

 
(466
)
 
1,900

 
1,502

 
7,907

Loans charged off
 
(6,266
)
 

 
(285
)
 
(1,550
)
 

 
(8,101
)
Recoveries
 
177

 
521

 
650

 
690

 

 
2,038

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
8,752

 
$
203

 
$
62

 
$
28

 
$

 
$
9,045

Provision for off-balance sheet credit losses
 
2,170

 
(53
)
 
(7
)
 
(17
)
 

 
2,093

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
4,590

 
$
2,498

 
$
(473
)
 
$
1,883

 
$
1,502

 
$
10,000


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the nine months ended September 30, 2016 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Personal
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
130,334

 
$
41,391

 
$
19,509

 
$
4,164

 
$
30,126

 
$
225,524

Provision for loan losses
 
45,995

 
7,538

 
(829
)
 
4,809

 
(1,940
)
 
55,573

Loans charged off
 
(35,747
)
 

 
(1,104
)
 
(4,086
)
 

 
(40,937
)
Recoveries
 
888

 
888

 
1,013

 
2,154

 

 
4,943

Ending balance
 
$
141,470

 
$
49,817

 
$
18,589

 
$
7,041

 
$
28,186

 
$
245,103

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
1,506

 
$
153

 
$
30

 
$
22

 
$

 
$
1,711

Provision for off-balance sheet credit losses
 
9,416

 
(3
)
 
25

 
(11
)
 

 
9,427

Ending balance
 
$
10,922

 
$
150

 
$
55

 
$
11

 
$

 
$
11,138

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
55,411

 
$
7,535

 
$
(804
)
 
$
4,798

 
$
(1,940
)
 
$
65,000



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2017 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,619,034

 
$
123,517

 
$
176,900

 
$
13,284

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,515,167

 
56,405

 
2,975

 

 
3,518,142

 
56,405

Residential mortgage
 
1,900,244

 
18,393

 
45,506

 

 
1,945,750

 
18,393

Personal
 
946,753

 
8,026

 
255

 

 
947,008

 
8,026

Total
 
16,981,198

 
206,341

 
225,636

 
13,284

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,981,198

 
$
206,341

 
$
225,636

 
$
13,284

 
$
17,206,834

 
$
247,703


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2016 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,211,871

 
$
139,416

 
$
178,953

 
$
797

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,803,525

 
50,749

 
5,521

 

 
3,809,046

 
50,749

Residential mortgage
 
1,903,612

 
18,178

 
46,220

 
46

 
1,949,832

 
18,224

Personal
 
839,668

 
8,773

 
290

 

 
839,958

 
8,773

Total
 
16,758,676

 
217,116

 
230,984

 
843

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,758,676

 
$
217,116

 
$
230,984

 
$
843

 
$
16,989,660

 
$
246,159


The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at September 30, 2016 is as follows (in thousands):
 
 
Collectively Measured
for Impairment
 
Individually Measured
for Impairment
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
9,943,699

 
$
134,968

 
$
176,464

 
$
6,502

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,786,248

 
49,817

 
7,350

 

 
3,793,598

 
49,817

Residential mortgage
 
1,820,341

 
18,527

 
52,452

 
62

 
1,872,793

 
18,589

Personal
 
677,546

 
7,041

 
686

 

 
678,232

 
7,041

Total
 
16,227,834

 
210,353

 
236,952

 
6,564

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,227,834

 
$
210,353

 
$
236,952

 
$
6,564

 
$
16,464,786

 
$
245,103

Schedule of Allowance for Loan Losses and Recorded Investment by Portfolio Segment for Risk Graded and Non-Risk Graded Loans [Table Text Block]
The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2017 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,750,657

 
$
135,846

 
$
45,277

 
$
955

 
$
10,795,934

 
$
136,801

Commercial real estate
 
3,518,142

 
56,405

 

 

 
3,518,142

 
56,405

Residential mortgage
 
226,306

 
3,068

 
1,719,444

 
15,325

 
1,945,750

 
18,393

Personal
 
856,030

 
6,043

 
90,978

 
1,983

 
947,008

 
8,026

Total
 
15,351,135

 
201,362

 
1,855,699

 
18,263

 
17,206,834

 
219,625

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,078

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,351,135

 
$
201,362

 
$
1,855,699

 
$
18,263

 
$
17,206,834

 
$
247,703

 
The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2016 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,360,725

 
$
139,293

 
$
30,099

 
$
920

 
$
10,390,824

 
$
140,213

Commercial real estate
 
3,809,046

 
50,749

 

 

 
3,809,046

 
50,749

Residential mortgage
 
243,703

 
2,893

 
1,706,129

 
15,331

 
1,949,832

 
18,224

Personal
 
744,602

 
5,035

 
95,356

 
3,738

 
839,958

 
8,773

Total
 
15,158,076

 
197,970

 
1,831,584

 
19,989

 
16,989,660

 
217,959

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,200

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
15,158,076

 
$
197,970

 
$
1,831,584

 
$
19,989

 
$
16,989,660

 
$
246,159


The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at September 30, 2016 is as follows (in thousands):
 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
10,093,884

 
$
140,552

 
$
26,279

 
$
918

 
$
10,120,163

 
$
141,470

Commercial real estate
 
3,793,598

 
49,817

 

 

 
3,793,598

 
49,817

Residential mortgage
 
206,430

 
3,028

 
1,666,363

 
15,561

 
1,872,793

 
18,589

Personal
 
586,869

 
4,182

 
91,363

 
2,859

 
678,232

 
7,041

Total
 
14,680,781

 
197,579

 
1,784,005

 
19,338

 
16,464,786

 
216,917

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 

 

 

 

 

 
28,186

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,680,781

 
$
197,579

 
$
1,784,005

 
$
19,338

 
$
16,464,786

 
$
245,103

Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at September 30, 2017 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,436,465

 
$
114,065

 
$
206,768

 
$
110,683

 
$

 
$

 
$
2,867,981

Services
 
2,932,577

 
26,372

 
7,390

 
1,174

 

 

 
2,967,513

Wholesale/retail
 
1,637,698

 
9,021

 
9,486

 
1,893

 

 

 
1,658,098

Manufacturing
 
486,383

 
7,181

 
16,823

 
9,059

 

 

 
519,446

Healthcare
 
2,150,099

 
31,855

 
33,051

 
24,446

 

 

 
2,239,451

Other commercial and industrial
 
458,796

 
52

 
9,820

 
29,500

 
45,132

 
145

 
543,445

Total commercial
 
10,102,018

 
188,546

 
283,338

 
176,755

 
45,132

 
145

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
110,178

 

 

 
1,924

 

 

 
112,102

Retail
 
724,887

 
689

 

 
289

 

 

 
725,865

Office
 
788,539

 
8,275

 

 
275

 

 

 
797,089

Multifamily
 
998,125

 

 
884

 

 

 

 
999,009

Industrial
 
591,080

 

 

 

 

 

 
591,080

Other commercial real estate
 
292,509

 

 
1

 
487

 

 

 
292,997

Total commercial real estate
 
3,505,318

 
8,964

 
885

 
2,975

 

 

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
224,235

 
393

 
462

 
1,216

 
764,252

 
23,407

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
178,479

 
8,891

 
187,370

Home equity
 

 

 

 

 
732,423

 
11,992

 
744,415

Total residential mortgage
 
224,235

 
393

 
462

 
1,216

 
1,675,154

 
44,290

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
855,857

 
49

 
38

 
86

 
90,809

 
169

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,687,428

 
$
197,952

 
$
284,723

 
$
181,032

 
$
1,811,095

 
$
44,604

 
$
17,206,834



The following table summarizes the Company’s loan portfolio at December 31, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,937,790

 
$
119,583

 
$
307,996

 
$
132,499

 
$

 
$

 
$
2,497,868

Services
 
3,052,002

 
10,960

 
37,855

 
8,173

 

 

 
3,108,990

Wholesale/retail
 
1,535,463

 
16,886

 
13,062

 
11,407

 

 

 
1,576,818

Manufacturing
 
468,314

 
26,532

 
15,198

 
4,931

 

 

 
514,975

Healthcare
 
2,140,458

 
44,472

 
16,161

 
825

 

 

 
2,201,916

Other commercial and industrial
 
433,789

 
5,309

 

 
21,060

 
30,041

 
58

 
490,257

Total commercial
 
9,567,816

 
223,742

 
390,272

 
178,895

 
30,041

 
58

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
131,630

 

 
470

 
3,433

 

 

 
135,533

Retail
 
756,418

 
4,745

 
399

 
326

 

 

 
761,888

Office
 
798,462

 

 

 
426

 

 

 
798,888

Multifamily
 
898,800

 

 
4,434

 
38

 

 

 
903,272

Industrial
 
871,673

 

 

 
76

 

 

 
871,749

Other commercial real estate
 
336,488

 

 
6

 
1,222

 

 

 
337,716

Total commercial real estate
 
3,793,471

 
4,745

 
5,309

 
5,521

 

 

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
741,679

 
21,438

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
187,541

 
11,846

 
199,387

Home equity
 

 

 

 

 
732,106

 
11,519

 
743,625

Total residential mortgage
 
238,769

 
1,186

 
2,331

 
1,417

 
1,661,326

 
44,803

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
743,451

 

 
1,054

 
97

 
95,163

 
193

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
14,343,507

 
$
229,673

 
$
398,966

 
$
185,930

 
$
1,786,530

 
$
45,054

 
$
16,989,660


The following table summarizes the Company’s loan portfolio at September 30, 2016 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
 
 
 
 
 
 
 
 
 
Pass
 
Other Loans Especially Mentioned
 
Accruing Substandard
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,869,598

 
$
147,153

 
$
361,087

 
$
142,966

 
$

 
$

 
$
2,520,804

Services
 
2,882,065

 
14,861

 
31,196

 
8,477

 

 

 
2,936,599

Wholesale/retail
 
1,557,067

 
15,337

 
27,173

 
2,453

 

 

 
1,602,030

Manufacturing
 
470,702

 
8,774

 
19,736

 
274

 

 

 
499,486

Healthcare
 
2,022,757

 
42,224

 
19,210

 
855

 

 

 
2,085,046

Other commercial and industrial
 
415,769

 
2,478

 
10,302

 
21,370

 
26,210

 
69

 
476,198

Total commercial
 
9,217,958

 
230,827

 
468,704

 
176,395

 
26,210

 
69

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
155,737

 

 
470

 
3,739

 

 

 
159,946

Retail
 
794,920

 
4,802

 
406

 
1,249

 

 

 
801,377

Office
 
750,924

 
899

 

 
882

 

 

 
752,705

Multifamily
 
868,501

 

 
5,221

 
51

 

 

 
873,773

Industrial
 
837,945

 

 

 
76

 

 

 
838,021

Other commercial real estate
 
366,416

 

 
7

 
1,353

 

 

 
367,776

Total commercial real estate
 
3,774,443

 
5,701

 
6,104

 
7,350

 

 

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
739,686

 
23,442

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 

 

 

 

 
174,877

 
15,432

 
190,309

Home equity
 

 

 

 

 
701,862

 
11,064

 
712,926

Total residential mortgage
 
200,590

 
1,192

 
2,134

 
2,514

 
1,616,425

 
49,938

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
585,287

 
228

 
923

 
431

 
91,108

 
255

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
13,778,278

 
$
237,948

 
$
477,865

 
$
186,690

 
$
1,733,743

 
$
50,262

 
$
16,464,786

Summary of Impaired Loans [Table Text Block]
Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):
 
As of
 
For the
 
For the
 
September 30, 2017
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2017
 
September 30, 2017
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
133,643

 
$
110,683

 
$
45,169

 
$
65,514

 
$
4,944

 
$
117,338

 
$

 
$
121,591

 
$

Services
3,838

 
1,174

 
1,174

 

 

 
4,464

 

 
4,674

 

Wholesale/retail
8,418

 
1,893

 
1,893

 

 

 
6,256

 

 
6,650

 

Manufacturing
9,674

 
9,059

 
9,059

 

 

 
9,357

 

 
6,995

 

Healthcare
24,591

 
24,446

 
474

 
23,972

 
8,323

 
24,476

 

 
12,635

 

Other commercial and industrial
38,222

 
29,645

 
29,626

 
19

 
17

 
25,138

 

 
25,382

 

Total commercial
218,386

 
176,900

 
87,395

 
89,505

 
13,284

 
187,029

 

 
177,927

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
3,532

 
1,924

 
1,924

 

 

 
1,988

 

 
2,679

 

Retail
513

 
289

 
289

 

 

 
295

 

 
308

 

Office
287

 
275

 
275

 

 

 
335

 

 
351

 

Multifamily

 

 

 

 

 
5

 

 
19

 

Industrial

 

 

 

 

 

 

 
38

 

Other commercial real estate
671

 
487

 
487

 

 

 
752

 

 
855

 

Total commercial real estate
5,003

 
2,975

 
2,975

 

 

 
3,375

 

 
4,250

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
29,861

 
24,623

 
24,623

 

 

 
24,019

 
315

 
23,739

 
912

Permanent mortgage guaranteed by U.S. government agencies1
193,594

 
187,370

 
187,370

 

 

 
188,461

 
1,884

 
199,532

 
5,809

Home equity
13,332

 
11,992

 
11,992

 

 

 
11,880

 

 
11,755

 

Total residential mortgage
236,787

 
223,985

 
223,985

 

 

 
224,360

 
2,199

 
235,026

 
6,721

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
290

 
255

 
255

 

 

 
263

 

 
273

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
460,466

 
$
404,115

 
$
314,610

 
$
89,505

 
$
13,284

 
$
415,027

 
$
2,199

 
$
417,476

 
$
6,721

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2017, $8.9 million of these loans were nonaccruing and $178 million were accruing based on the guarantee by U.S. government agencies.

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered.

A summary of impaired loans at December 31, 2016 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
146,897

 
$
132,499

 
$
121,418

 
$
11,081

 
$
762

Services
 
11,723

 
8,173

 
8,173

 

 

Wholesale/retail
 
17,669

 
11,407

 
11,407

 

 

Manufacturing
 
5,320

 
4,931

 
4,931

 

 

Healthcare
 
1,147

 
825

 
825

 

 

Other commercial and industrial
 
29,006

 
21,118

 
21,083

 
35

 
35

Total commercial
 
211,762

 
178,953

 
167,837

 
11,116

 
797

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
4,951

 
3,433

 
3,433

 

 

Retail
 
530

 
326

 
326

 

 

Office
 
521

 
426

 
426

 

 

Multifamily
 
1,000

 
38

 
38

 

 

Industrial
 
76

 
76

 
76

 

 

Other commercial real estate
 
7,349

 
1,222

 
1,222

 

 

Total commercial real estate
 
14,427

 
5,521

 
5,521

 

 

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
28,830

 
22,855

 
22,809

 
46

 
46

Permanent mortgage guaranteed by U.S. government agencies1
 
205,564

 
199,387

 
199,387

 

 

Home equity
 
12,611

 
11,519

 
11,519

 

 

Total residential mortgage
 
247,005

 
233,761

 
233,715

 
46

 
46

 
 
 
 
 
 
 
 
 
 
 
Personal
 
332

 
290

 
290

 

 

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
473,526

 
$
418,525

 
$
407,363

 
$
11,162

 
$
843

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2016, $12 million of these loans were nonaccruing and $188 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at September 30, 2016 follows (in thousands): 
 
 
 
For the
 
For the
 
As of September 30, 2016
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2016
 
September 30, 2016
 
Unpaid Principal Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
 
Average Recorded
Investment
 
Interest Income Recognized
 
Average Recorded
Investment
 
Interest Income Recognized
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
179,578

 
$
142,966

 
$
100,300

 
$
42,666

 
$
6,502

 
$
155,555

 
$

 
$
85,333

 
$

Services
11,858

 
8,477

 
8,477

 

 

 
8,932

 

 
9,384

 

Wholesale/retail
8,528

 
2,453

 
2,453

 

 

 
2,613

 

 
2,686

 

Manufacturing
642

 
274

 
274

 

 

 
284

 

 
303

 

Healthcare
1,168

 
855

 
855

 

 

 
865

 

 
964

 

Other commercial and industrial
29,176

 
21,439

 
21,439

 

 

 
10,978

 

 
11,031

 

Total commercial
230,950

 
176,464

 
133,798

 
42,666

 
6,502

 
179,227

 

 
109,701

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Residential construction and land development
6,090

 
3,739

 
3,739

 

 

 
4,000

 

 
4,074

 

Retail
1,914

 
1,249

 
1,249

 

 

 
1,257

 

 
1,284

 

Office
1,187

 
882

 
882

 

 

 
744

 

 
766

 

Multifamily
1,000

 
51

 
51

 

 

 
58

 

 
163

 

Industrial
76

 
76

 
76

 

 

 
76

 

 
76

 

Other commercial real estate
7,375

 
1,353

 
1,353

 

 

 
1,430

 

 
1,813

 

Total commercial real estate
17,642

 
7,350

 
7,350

 

 

 
7,565

 

 
8,176

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
32,372

 
25,956

 
25,847

 
109

 
62

 
26,592

 
292

 
27,470

 
923

Permanent mortgage guaranteed by U.S. government agencies1
196,162

 
190,309

 
190,309

 

 

 
190,547

 
2,098

 
193,879

 
5,893

Home equity
12,099

 
11,064

 
11,064

 

 

 
10,578

 

 
10,710

 

Total residential mortgage
240,633

 
227,329

 
227,220

 
109

 
62

 
227,717

 
2,390

 
232,059

 
6,816

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
724

 
686

 
686

 

 

 
520

 

 
575

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
489,949

 
$
411,829

 
$
369,054

 
$
42,775

 
$
6,564

 
$
415,029

 
$
2,390

 
$
350,511

 
$
6,816

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2016, $15 million of these loans were nonaccruing and $175 million were accruing based on the guarantee by U.S. government agencies.
Troubled Debt Restructurings [Table Text Block]
Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of September 30, 2017 is as follows (in thousands):
 
 
As of September 30, 2017
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
9,582

 
$
9,506

 
$
76

 
$

 
$
4,322

 
$
4,322

Services
 
720

 
103

 
617

 

 
7

 
10

Wholesale/retail
 
1,802

 

 
1,802

 

 

 

Manufacturing
 
180

 
180

 

 

 

 

Healthcare
 

 

 

 

 

 

Other commercial and industrial
 
20,097

 
19,890

 
207

 

 

 

Total commercial
 
32,381

 
29,679

 
2,702

 

 
4,329

 
4,332

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
327

 
91

 
236

 

 

 

Retail
 
289

 
289

 

 

 

 

Office
 

 

 

 

 

 

Multifamily
 

 

 

 

 

 

Industrial
 

 

 

 

 

 

Other commercial real estate
 
353

 
353

 

 

 

 

Total commercial real estate
 
969

 
733

 
236

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
14,765

 
10,188

 
4,577

 

 

 

Permanent mortgage guaranteed by U.S. government agencies
 
5,601

 
523

 
5,078

 

 

 

Home equity
 
5,625

 
4,213

 
1,412

 

 
39

 
70

Total residential mortgage
 
25,991

 
14,924

 
11,067

 

 
39

 
70

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
205

 
195

 
10

 

 
2

 
10

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
59,546

 
$
45,531

 
$
14,015

 
$

 
$
4,370

 
$
4,412

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
69,440

 
14,948

 
54,492

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
128,986

 
$
60,479

 
$
68,507

 
$

 
$
4,370

 
$
4,412


A summary of troubled debt restructurings by accruing status as of December 31, 2016 is as follows (in thousands):
 
 
As of
 
 
December 31, 2016
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
16,893

 
$
10,867

 
$
6,026

 
$

Services
 
7,527

 
6,830

 
697

 

Wholesale/retail
 
11,291

 
11,251

 
40

 

Manufacturing
 
224

 
224

 

 

Healthcare
 
607

 

 
607

 

Other commercial and industrial
 
337

 
53

 
284

 

Total commercial
 
36,879

 
29,225

 
7,654

 

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Residential construction and land development
 
690

 
97

 
593

 

Retail
 
326

 
326

 

 

Office
 
143

 
143

 

 

Multifamily
 

 

 

 

Industrial
 

 

 

 

Other commercial real estate
 
548

 
548

 

 

Total commercial real estate
 
1,707

 
1,114

 
593

 

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
14,876

 
10,175

 
4,701

 
46

Permanent mortgage guaranteed by U.S. government agencies
 
6,702

 
2,241

 
4,461

 

Home equity
 
5,346

 
4,458

 
888

 

Total residential mortgage
 
26,924

 
16,874

 
10,050

 
46

 
 
 
 
 
 
 
 
 
Personal
 
237

 
236

 
1

 

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
65,747

 
$
47,449

 
$
18,298

 
$
46

 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
81,370

 
27,289

 
54,081

 

 
 
 
 
 
 
 
 
 
Total TDRs
 
$
147,117

 
$
74,738

 
$
72,379

 
$
46


A summary of troubled debt restructurings by accruing status as of September 30, 2016 is as follows (in thousands):
 
 
As of September 30, 2016
 
Amounts Charged Off During:
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
1,746

 
$

 
$
1,746

 
$

 
$
500

 
$
1,000

Services
 
7,761

 
7,034

 
727

 

 

 

Wholesale/retail
 
2,327

 
2,287

 
40

 

 

 

Manufacturing
 
238

 
238

 

 

 

 

Healthcare
 
623

 

 
623

 

 

 

Other commercial and industrial
 
497

 
61

 
436

 

 

 
57

Total commercial
 
13,192

 
9,620

 
3,572

 

 
500

 
1,057

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
794

 
359

 
435

 

 

 

Retail
 
1,249

 
892

 
357

 

 

 

Office
 
149

 
149

 

 

 

 

Multifamily
 

 

 

 

 

 

Industrial
 

 

 

 

 

 

Other commercial real estate
 
666

 
666

 

 

 

 

Total commercial real estate
 
2,858

 
2,066

 
792

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
16,109

 
11,944

 
4,165

 
62

 

 
2

Permanent mortgage guaranteed by U.S. government agencies
 
8,220

 
2,331

 
5,889

 

 

 

Home equity
 
5,168

 
4,667

 
501

 

 
34

 
153

Total residential mortgage
 
29,497

 
18,942

 
10,555

 
62

 
34

 
155

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
273

 
271

 
2

 

 
9

 
18

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
45,820

 
$
30,899

 
$
14,921

 
$
62

 
$
543

 
$
1,230

 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgages guaranteed by U.S. government agencies
 
80,306

 
29,020

 
51,286

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
126,126

 
$
59,919

 
$
66,207

 
$
62

 
$
543

 
$
1,230


Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at September 30, 2017 by class that were restructured during the three months ended September 30, 2017 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$

 
$

 
$

 
$

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 
60

 
60

 
60

Total commercial

 

 

 

 
60

 
60

 
60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 
969

 
506

 
1,475

 
1,475

Permanent mortgage guaranteed by U.S. government agencies
8,205

 
620

 
8,825

 
315

 

 
315

 
9,140

Home equity

 

 

 

 
469

 
469

 
469

Total residential mortgage
8,205

 
620

 
8,825

 
1,284

 
975

 
2,259

 
11,084

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
4

 
4

 
4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
8,205

 
$
620

 
$
8,825

 
$
1,284

 
$
1,039

 
$
2,323

 
$
11,148


 
Nine Months Ended
Sept. 30, 2017
 
Accruing
Nonaccrual
 
Total
 
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$

 
$

 
$

 
$
7,781

 
$

 
$
7,781

 
$
7,781

Services
 

 

 

 

 

 

 

Wholesale/retail
 

 

 

 

 

 

 

Manufacturing
 

 

 

 

 

 

 

Healthcare
 

 

 

 

 

 

 

Other commercial and industrial
 

 

 

 
19,825

 
60

 
19,885

 
19,885

Total commercial
 

 

 

 
27,606

 
60

 
27,666

 
27,666

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development
 

 

 

 

 

 

 

Retail
 

 

 

 

 

 

 

Office
 

 

 

 

 

 

 

Multifamily
 

 

 

 

 

 

 

Industrial
 

 

 

 

 

 

 

Other commercial real estate
 

 

 

 

 

 

 

Total commercial real estate
 

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 

 

 

 
153

 
1,559

 
1,712

 
1,712

Permanent mortgage guaranteed by U.S. government agencies
 
18,678

 
2,649

 
21,327

 
443

 
85

 
528

 
21,855

Home equity
 

 

 

 
104

 
1,468

 
1,572

 
1,572

Total residential mortgage
 
18,678

 
2,649

 
21,327

 
700

 
3,112

 
3,812

 
25,139

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 

 

 

 

 
48

 
48

 
48

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
18,678

 
$
2,649

 
$
21,327

 
$
28,306

 
$
3,220

 
$
31,526

 
$
52,853


Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during three months ended September 30, 2016 by primary type of concession (in thousands):

 
Three Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$

 
$

 
$

 
$

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

 

Total commercial

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 

 
151

 
151

 
151

Permanent mortgage guaranteed by U.S. government agencies
3,527

 
4,211

 
7,738

 

 
287

 
287

 
8,025

Home equity

 

 

 

 
920

 
920

 
920

Total residential mortgage
3,527

 
4,211

 
7,738

 

 
1,358

 
1,358

 
9,096

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
19

 
19

 
19

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
3,527

 
$
4,211

 
$
7,738

 
$

 
$
1,377

 
$
1,377

 
$
9,115


 
Nine Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$

 
$

 
$
501

 
$

 
$
501

 
$
501

Services

 

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

 

Manufacturing

 

 

 

 

 

 

Healthcare

 

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

 

Total commercial

 

 

 
501

 

 
501

 
501

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

 

Retail

 

 

 

 

 

 

Office

 

 

 

 

 

 

Multifamily

 

 

 

 

 

 

Industrial

 

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 

 

 
1,037

 
1,051

 
2,088

 
2,088

Permanent mortgage guaranteed by U.S. government agencies
9,687

 
9,350

 
19,037

 

 
982

 
982

 
20,019

Home equity

 

 

 
48

 
1,630

 
1,678

 
1,678

Total residential mortgage
9,687

 
9,350

 
19,037

 
1,085

 
3,663

 
4,748

 
23,785

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Personal

 

 

 

 
82

 
82

 
82

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
9,687

 
$
9,350

 
$
19,037

 
$
1,586

 
$
3,745

 
$
5,331

 
$
24,368


The following table summarizes, by loan class, the recorded investment at September 30, 2017 and 2016, respectively, of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended September 30, 2017 and 2016, respectively (in thousands):

 
Three Months Ended
Sept. 30, 2017
 
Nine Months Ended
Sept. 30, 2017
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$
7,857

 
$
7,857

 
$

 
$
9,582

 
$
9,582

Services

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

Manufacturing

 

 

 

 

 

Healthcare

 

 

 

 

 

Other commercial and industrial

 

 

 

 
19,825

 
19,825

Total commercial

 
7,857

 
7,857

 

 
29,407

 
29,407

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

Retail

 

 

 

 

 

Office

 

 

 

 

 

Multifamily

 

 

 

 

 

Industrial

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 
1,511

 
1,511

 

 
1,511

 
1,511

Permanent mortgage guaranteed by U.S. government agencies
23,620

 
878

 
24,498

 
24,349

 
878

 
25,227

Home equity

 
1,030

 
1,030

 

 
1,139

 
1,139

Total residential mortgage
23,620

 
3,419

 
27,039

 
24,349

 
3,528

 
27,877

 
 
 
 
 
 
 
 
 
 
 
 
Personal

 
10

 
10

 

 
10

 
10

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
23,620

 
$
11,286

 
$
34,906

 
$
24,349

 
$
32,945

 
$
57,294


A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.
 
Three Months Ended
Sept. 30, 2016
 
Nine Months Ended
Sept. 30, 2016
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$

 
$
1,746

 
$
1,746

 
$

 
$
1,746

 
$
1,746

Services

 

 

 

 

 

Wholesale/retail

 

 

 

 

 

Manufacturing

 

 

 

 

 

Healthcare

 

 

 

 

 

Other commercial and industrial

 

 

 

 

 

Total commercial

 
1,746

 
1,746

 

 
1,746

 
1,746

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Residential construction and land development

 

 

 

 

 

Retail

 

 

 

 

 

Office

 

 

 

 

 

Multifamily

 

 

 

 

 

Industrial

 

 

 

 

 

Other commercial real estate

 

 

 

 

 

Total commercial real estate

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage

 
298

 
298

 

 
542

 
542

Permanent mortgage guaranteed by U.S. government agencies
17,491

 
1,095

 
18,586

 
19,352

 
1,121

 
20,473

Home equity

 
258

 
258

 

 
258

 
258

Total residential mortgage
17,491

 
1,651

 
19,142

 
19,352

 
1,921

 
21,273

 
 
 
 
 
 
 
 
 
 
 
 
Personal

 
11

 
11

 

 
11

 
11

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
17,491

 
$
3,408

 
$
20,899

 
$
19,352

 
$
3,678

 
$
23,030

Summary of Loans by Aging Status [Table Text Block]
Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2017 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,752,259

 
$

 
$
5,039

 
$

 
$
110,683

 
$
2,867,981

Services
 
2,963,746

 
2,343

 
250

 

 
1,174

 
2,967,513

Wholesale/retail
 
1,654,018

 
1,748

 
409

 
30

 
1,893

 
1,658,098

Manufacturing
 
508,231

 

 
2,156

 

 
9,059

 
519,446

Healthcare
 
2,214,849

 
156

 

 

 
24,446

 
2,239,451

Other commercial and industrial
 
513,748

 
52

 

 

 
29,645

 
543,445

Total commercial
 
10,606,851

 
4,299

 
7,854

 
30

 
176,900

 
10,795,934

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
109,994

 
184

 

 

 
1,924

 
112,102

Retail
 
724,850

 
726

 

 

 
289

 
725,865

Office
 
796,687

 
127

 

 

 
275

 
797,089

Multifamily
 
999,009

 

 

 

 

 
999,009

Industrial
 
591,080

 

 

 

 

 
591,080

Other commercial real estate
 
292,322

 
1

 

 
187

 
487

 
292,997

Total commercial real estate
 
3,513,942

 
1,038

 

 
187

 
2,975

 
3,518,142

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
985,183

 
3,705

 
454

 

 
24,623

 
1,013,965

Permanent mortgages guaranteed by U.S. government agencies
 
25,169

 
17,346

 
13,343

 
122,621

 
8,891

 
187,370

Home equity
 
728,884

 
3,066

 
445

 
28

 
11,992

 
744,415

Total residential mortgage
 
1,739,236

 
24,117

 
14,242

 
122,649

 
45,506

 
1,945,750

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
943,368

 
3,296

 
81

 
8

 
255

 
947,008

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,803,397

 
$
32,750

 
$
22,177

 
$
122,874

 
$
225,636

 
$
17,206,834


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,364,890

 
$
479

 

 
$

 
$
132,499

 
$
2,497,868

Services
 
3,099,605

 
191

 
1,021

 

 
8,173

 
3,108,990

Wholesale/retail
 
1,561,650

 
3,761

 

 

 
11,407

 
1,576,818

Manufacturing
 
509,662

 
382

 

 

 
4,931

 
514,975

Healthcare
 
2,201,050

 

 
41

 

 
825

 
2,201,916

Other commercial and industrial
 
468,981

 
155

 
3

 

 
21,118

 
490,257

Total commercial
 
10,205,838

 
4,968

 
1,065

 

 
178,953

 
10,390,824

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 
 
 

 
 

 
 

Residential construction and land development
 
132,100

 

 

 

 
3,433

 
135,533

Retail
 
761,562

 

 

 

 
326

 
761,888

Office
 
798,462

 

 

 

 
426

 
798,888

Multifamily
 
903,234

 

 

 

 
38

 
903,272

Industrial
 
871,673

 

 

 

 
76

 
871,749

Other commercial real estate
 
336,488

 
6

 

 

 
1,222

 
337,716

Total commercial real estate
 
3,803,519

 
6

 

 

 
5,521

 
3,809,046

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 
 
 

 
 

 
 

Permanent mortgage
 
979,386

 
3,299

 
1,280

 

 
22,855

 
1,006,820

Permanent mortgages guaranteed by U.S. government agencies
 
40,594

 
17,465

 
13,803

 
115,679

 
11,846

 
199,387

Home equity
 
729,493

 
2,276

 
337

 

 
11,519

 
743,625

Total residential mortgage
 
1,749,473

 
23,040

 
15,420

 
115,679

 
46,220

 
1,949,832

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
838,811

 
589

 
263

 
5

 
290

 
839,958

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,597,641

 
$
28,603

 
16,748

 
$
115,684

 
$
230,984

 
$
16,989,660


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of September 30, 2016 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89 Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,365,850

 
$
11,988

 

 
$

 
$
142,966

 
$
2,520,804

Services
 
2,923,874

 
502

 
39

 
3,707

 
8,477

 
2,936,599

Wholesale/retail
 
1,599,356

 
221

 

 

 
2,453

 
1,602,030

Manufacturing
 
499,212

 

 

 

 
274

 
499,486

Healthcare
 
2,083,556

 
635

 

 

 
855

 
2,085,046

Other commercial and industrial
 
454,538

 
34

 
68

 
119

 
21,439

 
476,198

Total commercial
 
9,926,386

 
13,380

 
107

 
3,826

 
176,464

 
10,120,163

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Residential construction and land development
 
156,207

 

 

 

 
3,739

 
159,946

Retail
 
796,362

 
3,766

 

 

 
1,249

 
801,377

Office
 
751,823

 

 

 

 
882

 
752,705

Multifamily
 
868,591

 

 
5,131

 

 
51

 
873,773

Industrial
 
837,945

 

 

 

 
76

 
838,021

Other commercial real estate
 
366,416

 
7

 

 

 
1,353

 
367,776

Total commercial real estate
 
3,777,344

 
3,773

 
5,131

 

 
7,350

 
3,793,598

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
939,853

 
3,547

 
202

 

 
25,956

 
969,558

Permanent mortgages guaranteed by U.S. government agencies
 
41,150

 
17,364

 
12,963

 
103,400

 
15,432

 
190,309

Home equity
 
700,031

 
1,526

 
305

 

 
11,064

 
712,926

Total residential mortgage
 
1,681,034

 
22,437

 
13,470

 
103,400

 
52,452

 
1,872,793

 
 
 
 
 
 
 
 
 
 
 
 
 
Personal
 
677,194

 
191

 
148

 
13

 
686

 
678,232

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
16,061,958

 
$
39,781

 
18,856

 
$
107,239

 
$
236,952

 
$
16,464,786

v3.8.0.1
Mortgage Banking Activities (Tables)
9 Months Ended
Sep. 30, 2017
Mortgage Banking [Abstract]  
Components of Residential Mortgage Loans Held For Sale [Table Text Block]
 
 
September 30, 2017
 
December 31, 2016
 
September 30, 2016
 
 
Unpaid Principal Balance/
Notional
 
Fair Value
 
Unpaid Principal Balance/
Notional
 
Fair Value
 
Unpaid
Principal
 Balance/
Notional
 
Fair Value
Residential mortgage loans held for sale
 
$
261,868

 
$
265,783

 
$
286,414

 
$
286,971

 
$
422,523

 
$
433,040

Residential mortgage loan commitments
 
334,337

 
9,066

 
318,359

 
9,733

 
630,804

 
18,598

Forward sales contracts
 
524,878

 
794

 
569,543

 
5,193

 
929,907

 
(4,046
)
 
 
 

 
$
275,643

 
 

 
$
301,897

 
 

 
$
447,592

Mortgage Banking Revenue [Table Text Block]
Mortgage banking revenue was as follows (in thousands):
 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Production revenue:
 
 
 
 
 
 
 
 
Net realized gains on sale of mortgage loans
 
$
12,041

 
$
23,110

 
$
32,443

 
$
47,424

Net change in unrealized gain on mortgage loans held for sale
 
(1,492
)
 
(2,518
)
 
3,335

 
4,649

Net change in the fair value of mortgage loan commitments
 
(1,927
)
 
(6,901
)
 
(667
)
 
10,464

Net change in the fair value of forward sales contracts
 
(293
)
 
8,267

 
(4,399
)
 
(4,846
)
Total production revenue
 
8,329

 
21,958

 
30,712

 
57,691

Servicing revenue
 
16,561

 
16,558

 
49,645

 
47,809

Total mortgage banking revenue
 
$
24,890

 
$
38,516

 
$
80,357

 
$
105,500

Summary of Mortgage Servicing Rights [Table Text Block]
The following represents a summary of mortgage servicing rights (Dollars in thousands):
 
 
September 30,
2017
 
December 31, 2016
 
September 30,
2016
Number of residential mortgage loans serviced for others
 
137,359

 
139,340

 
139,587

Outstanding principal balance of residential mortgage loans serviced for others
 
$
22,063,121

 
$
21,997,568

 
$
21,851,536

Weighted average interest rate
 
3.95
%
 
3.97
%
 
4.01
%
Remaining term (in months)
 
298

 
301

 
302

Activity in Capitalized Mortgage Servicing Rights [Table Text Block]
Activity in capitalized mortgage servicing rights during the three months ended September 30, 2017 was as follows (in thousands):
 
 
Purchased
 
Originated
 
Total
Balance, June 30, 2017
 
$
7,995

 
$
237,244

 
$
245,239

Additions, net
 

 
9,925

 
9,925

Change in fair value due to principal payments
 
(470
)
 
(8,197
)
 
(8,667
)
Change in fair value due to market assumption changes
 
303

 
(942
)
 
(639
)
Balance, September 30, 2017
 
$
7,828

 
$
238,030

 
$
245,858

 
 
Purchased
 
Originated
 
Total
Balance, December 31, 2016
 
$
8,909

 
$
238,164

 
$
247,073

Additions, net
 

 
29,439

 
29,439

Change in fair value due to principal payments
 
(1,443
)
 
(23,485
)
 
(24,928
)
Change in fair value due to market assumption changes
 
362

 
(6,088
)
 
(5,726
)
Balance, September 30, 2017
 
$
7,828

 
$
238,030

 
$
245,858

Activity in capitalized mortgage servicing rights during the three months ended September 30, 2016 was as follows (in thousands):
 
 
Purchased
 
Originated
 
Total
Balance, June 30, 2016
 
$
4,067

 
$
186,680

 
$
190,747

Additions, net
 

 
21,990

 
21,990

Change in fair value due to scheduled payments and full-balance payoffs
 
(753
)
 
(10,690
)
 
(11,443
)
Change in fair value due to market assumption changes
 
251

 
2,076

 
2,327

Balance, September 30, 2016
 
$
3,565

 
$
200,056

 
$
203,621


 
 
Purchased
 
Originated
 
Total
Balance, December 31, 2015
 
$
9,911

 
$
208,694

 
$
218,605

Additions, net
 

 
56,345

 
56,345

Change in fair value due to scheduled payments and full-balance payoffs
 
(2,109
)
 
(27,276
)
 
(29,385
)
Change in fair value due to market assumption changes
 
(4,237
)
 
(37,707
)
 
(41,944
)
Balance, September 30, 2016
 
$
3,565

 
$
200,056

 
$
203,621

Assumptions to Value Mortgage Servicing Rights [Table Text Block]

There is no active market for trading in mortgage servicing rights after origination. Fair value is determined by discounting the projected net cash flows. Significant assumptions used to determine fair value based on significant unobservable inputs were as follows:
 
 
September 30,
2017
 
December 31, 2016
 
September 30,
2016
Discount rate – risk-free rate plus a market premium
 
9.84%
 
10.08%
 
10.08%
Prepayment rate - based upon loan interest rate, original term and loan type
 
8.71%-15.43%
 
8.98%-16.91%
 
9.16%-47.15%
Loan servicing costs – annually per loan based upon loan type:
 
 
 
 
 
 
Performing loans
 
$65-$120
 
$63 - $120
 
$63 - $120
Delinquent loans
 
$150-$500
 
$150 - $500
 
$150 - $500
Loans in foreclosure
 
$1,000-$4,250
 
$650 - $4,250
 
$650 - $4,250
Escrow earnings rate – indexed to rates paid on deposit accounts with comparable average life
 
2.00%
 
1.98%
 
1.18%
Primary/secondary mortgage rate spread
 
105 bps
 
105 bps
 
115 bps
Aging Status of Mortgage Loans Serviced For Others [Table Text Block]
The aging status of our mortgage loans serviced for others by investor at September 30, 2017 follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
Current
 
30 to 59
Days
 
60 to 89
Days
 
90 Days or More
 
Total
FHLMC
 
$
8,021,016

 
$
78,542

 
$
13,100

 
$
26,171

 
$
8,138,829

FNMA
 
6,635,428

 
76,065

 
10,398

 
20,596

 
6,742,487

GNMA
 
6,376,127

 
215,506

 
59,659

 
20,925

 
6,672,217

Other
 
502,768

 
3,492

 
1,167

 
2,161

 
509,588

Total
 
$
21,535,339

 
$
373,605

 
$
84,324

 
$
69,853

 
$
22,063,121

v3.8.0.1
Commitments and Contingent Liabilities Commitments and Contingent Liabilities - Variable Interest Entities (Tables)
9 Months Ended
Sep. 30, 2017
Commitments and Contingencies Disclosure [Abstract]  
Schedule of Variable Interest Entities [Table Text Block]
A summary of consolidated and unconsolidated alternative investments as of September 30, 2017, December 31, 2016 and September 30, 2016 is as follows (in thousands):

 
 
September 30, 2017
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
15,621

 
$

 
$

 
$
12,806

Tax credit entities
 
10,000

 
11,119

 

 
10,963

 
10,000

Other
 

 
15,618

 
1,588

 
3,104

 
2,819

Total consolidated
 
$
10,000

 
$
42,358

 
$
1,588

 
$
14,067

 
$
25,625

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
65,247

 
$
145,479

 
$
61,364

 
$

 
$

Other
 

 
32,462

 
13,657

 

 

Total unconsolidated
 
$
65,247

 
$
177,941

 
$
75,021

 
$

 
$


 
 
December 31, 2016
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
17,357

 
$

 
$

 
$
13,237

Tax credit entities
 
10,000

 
11,585

 

 
10,964

 
10,000

Other
 

 
29,783

 
3,189

 
1,092

 
8,266

Total consolidated
 
$
10,000

 
$
58,725

 
$
3,189

 
$
12,056

 
$
31,503

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
44,488

 
$
143,715

 
$
63,329

 
$

 
$

Other
 

 
31,675

 
15,028

 

 

Total unconsolidated
 
$
44,488

 
$
175,390

 
$
78,357

 
$

 
$


 
 
September 30, 2016
 
 
Loans
 
Other
assets
 
Other
liabilities
 
Other
borrowings
 
Non-controlling
interests
Consolidated:
 
 
 
 
 
 
 
 
 
 
Private equity funds
 
$

 
$
18,420

 
$

 
$

 
$
15,946

Tax credit entities
 
10,000

 
11,740

 

 
10,964

 
10,000

Other
 

 
30,978

 
2,346

 
1,063

 
8,154

Total consolidated
 
$
10,000

 
$
61,138

 
$
2,346

 
$
12,027

 
$
34,100

 
 
 
 
 
 
 
 
 
 
 
Unconsolidated:
 
 
 
 
 
 
 
 
 
 
Tax credit entities
 
$
39,849

 
$
129,715

 
$
57,026

 
$

 
$

Other
 

 
30,272

 
13,653

 

 

Total unconsolidated
 
$
39,849

 
$
159,987

 
$
70,679

 
$

 
$

v3.8.0.1
Shareholders' Equity (Tables)
9 Months Ended
Sep. 30, 2017
Stockholders' Equity Note [Abstract]  
Accumulated Other Comprehensive Income (Loss) [Table Text Block]
A rollforward of the components of accumulated other comprehensive income (loss) is included as follows (in thousands):
 
 
Unrealized Gain (Loss) on
 
 
 
 
Available for Sale Securities
 
Investment Securities Transferred from AFS
 
Employee Benefit Plans
 
Total
Balance, December 31, 2015
 
$
23,284

 
$
68

 
$
(1,765
)
 
$
21,587

Net change in unrealized gain (loss)
 
133,108

 

 

 
133,108

Reclassification adjustments included in earnings:
 
 
 
 
 
 
 
 
Interest revenue, Investment securities, Taxable securities
 

 
(112
)
 

 
(112
)
Gain on available for sale securities, net
 
(11,684
)
 

 

 
(11,684
)
Other comprehensive income (loss), before income taxes
 
121,424

 
(112
)
 

 
121,312

Federal and state income taxes1
 
47,216

 
(44
)
 

 
47,172

Other comprehensive income (loss), net of income taxes
 
74,208

 
(68
)
 

 
74,140

Balance, September 30, 2016
 
$
97,492

 
$

 
$
(1,765
)
 
$
95,727

 
 
 
 
 
 
 
 
 
Balance, December 31, 2016
 
$
(9,087
)
 
$

 
$
(1,880
)
 
$
(10,967
)
Net change in unrealized gain (loss)
 
33,876

 

 
5

 
33,881

Reclassification adjustments included in earnings:
 
 
 
 
 
 
 
 
Gain on available for sale securities, net
 
(4,916
)
 

 

 
(4,916
)
Other comprehensive income, before income taxes
 
28,960

 

 
5

 
28,965

Federal and state income taxes1
 
11,239

 


 
2

 
11,241

Other comprehensive income, net of income taxes
 
17,721

 

 
3

 
17,724

Balance, September 30, 2017
 
$
8,634

 
$

 
$
(1,877
)
 
$
6,757


1 
Calculated using a 39 percent effective tax rate.
v3.8.0.1
Earnings Per Share (Tables)
9 Months Ended
Sep. 30, 2017
Earnings Per Share [Abstract]  
Earnings Per Share [Table Text Block]
(In thousands, except share and per share amounts)
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Numerator:
 
 
 
 
 
 
 
 
Net income attributable to BOK Financial Corp. shareholders
 
$
85,649

 
$
74,277

 
$
262,152

 
$
182,642

Less: Earnings allocated to participating securities
 
888

 
916

 
2,817

 
2,275

Numerator for basic earnings per share – income available to common shareholders
 
84,761

 
73,361

 
259,335

 
180,367

Effect of reallocating undistributed earnings of participating securities
 
1

 
1

 
2

 
1

Numerator for diluted earnings per share – income available to common shareholders
 
$
84,762

 
$
73,362

 
$
259,337

 
$
180,368

 
 
 
 
 
 
 
 
 
Denominator:
 
 

 
 

 
 

 
 

Weighted average shares outstanding
 
65,423,258

 
65,895,430

 
65,432,313

 
66,031,497

Less:  Participating securities included in weighted average shares outstanding
 
680,436

 
810,038

 
702,922

 
822,723

Denominator for basic earnings per common share
 
64,742,822

 
65,085,392

 
64,729,391

 
65,208,774

Dilutive effect of employee stock compensation plans1
 
62,350

 
72,449

 
64,502

 
54,792

Denominator for diluted earnings per common share
 
64,805,172

 
65,157,841

 
64,793,893

 
65,263,566

 
 
 
 
 
 
 
 
 
Basic earnings per share
 
$
1.31

 
$
1.13

 
$
4.01

 
$
2.77

Diluted earnings per share
 
$
1.31

 
$
1.13

 
$
4.00

 
$
2.76

1  Excludes employee stock options with exercise prices greater than current market price.
 

 

 

 

v3.8.0.1
Reportable Segments (Tables)
9 Months Ended
Sep. 30, 2017
Segment Reporting [Abstract]  
Reportable Segments [Table Text Block]
Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2017 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
157,080

 
$
25,576

 
$
11,169

 
$
24,627

 
$
218,452

Net interest revenue (expense) from internal sources
 
(24,173
)
 
12,213

 
9,604

 
2,356

 

Net interest revenue
 
132,907

 
37,789

 
20,773

 
26,983

 
218,452

Provision for credit losses
 
3,217

 
1,315

 
(623
)
 
(3,909
)
 

Net interest revenue after provision for credit losses
 
129,690

 
36,474

 
21,396

 
30,892

 
218,452

Other operating revenue
 
54,091

 
47,033

 
75,707

 
(1,121
)
 
175,710

Other operating expense
 
56,952

 
56,785

 
61,791

 
90,406

 
265,934

Net direct contribution
 
126,829

 
26,722

 
35,312

 
(60,635
)
 
128,228

Gain on financial instruments, net
 
4

 
1,686

 

 
(1,690
)
 

Change in fair value of mortgage servicing rights
 

 
(639
)
 

 
639

 

Gain (loss) on repossessed assets, net
 
(4,126
)
 
292

 

 
3,834

 

Corporate expense allocations
 
8,650

 
17,039

 
9,819

 
(35,508
)
 

Net income before taxes
 
114,057

 
11,022

 
25,493

 
(22,344
)
 
128,228

Federal and state income taxes
 
44,368

 
4,288

 
9,917

 
(16,135
)
 
42,438

Net income
 
69,689

 
6,734

 
15,576

 
(6,209
)
 
85,790

Net income attributable to non-controlling interests
 

 

 

 
141

 
141

Net income attributable to BOK Financial Corp. shareholders
 
$
69,689

 
$
6,734

 
$
15,576

 
$
(6,350
)
 
$
85,649

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
17,558,390

 
$
9,115,319

 
$
6,992,021

 
$
(657,560
)
 
$
33,008,170


Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2017 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
435,946

 
$
70,208

 
$
33,130

 
$
85,554

 
$
624,838

Net interest revenue (expense) from internal sources
 
(61,803
)
 
35,002

 
28,784

 
(1,983
)
 

Net interest revenue
 
374,143

 
105,210

 
61,914

 
83,571

 
624,838

Provision for credit losses
 
2,983

 
3,512

 
(676
)
 
(5,819
)
 

Net interest revenue after provision for credit losses
 
371,160

 
101,698

 
62,590

 
89,390

 
624,838

Other operating revenue
 
156,139

 
146,440

 
225,434

 
245

 
528,258

Other operating expense
 
168,517

 
166,027

 
182,816

 
244,170

 
761,530

Net direct contribution
 
358,782

 
82,111

 
105,208

 
(154,535
)
 
391,566

Gain on financial instruments, net
 
46

 
5,242

 

 
(5,288
)
 

Change in fair value of mortgage servicing rights
 

 
(5,726
)
 

 
5,726

 

Gain (loss) on repossessed assets, net
 
(2,728
)
 
253

 

 
2,475

 

Corporate expense allocations
 
26,144

 
50,947

 
30,438

 
(107,529
)
 

Net income before taxes
 
329,956

 
30,933

 
74,770

 
(44,093
)
 
391,566

Federal and state income taxes
 
128,353

 
12,033

 
29,086

 
(41,226
)
 
128,246

Net income
 
201,603

 
18,900

 
45,684

 
(2,867
)
 
263,320

Net income attributable to non-controlling interests
 

 

 

 
1,168

 
1,168

Net income attributable to BOK Financial Corp. shareholders
 
$
201,603

 
$
18,900

 
$
45,684

 
$
(4,035
)
 
$
262,152

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
17,525,658

 
$
8,871,470

 
$
6,971,369

 
$
(591,059
)
 
$
32,777,438


Reportable segments reconciliation to the Consolidated Financial Statements for the three months ended September 30, 2016 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
123,599

 
$
22,098

 
$
9,274

 
$
32,875

 
$
187,846

Net interest revenue (expense) from internal sources
 
(15,052
)
 
9,263

 
$
7,401

 
(1,612
)
 

Net interest revenue
 
108,547

 
31,361

 
16,675

 
31,263

 
187,846

Provision for credit losses
 
5,601

 
1,157

 
(89
)
 
3,331

 
10,000

Net interest revenue after provision for credit losses
 
102,946

 
30,204

 
16,764

 
27,932

 
177,846

Other operating revenue
 
49,642

 
60,603

 
73,523

 
3,542

 
187,310

Other operating expense
 
53,375

 
60,964

 
64,426

 
79,323

 
258,088

Net direct contribution
 
99,213

 
29,843

 
25,861

 
(47,849
)
 
107,068

Gain (loss) on financial instruments, net
 

 
(1,087
)
 
(42
)
 
1,129

 

Change in fair value of mortgage servicing rights
 

 
2,327

 

 
(2,327
)
 

Gain on repossessed assets, net
 
1,486

 
161

 

 
(1,647
)
 

Corporate expense allocations
 
9,054

 
16,905

 
10,912

 
(36,871
)
 

Net income before taxes
 
91,645

 
14,339

 
14,907

 
(13,823
)
 
107,068

Federal and state income taxes
 
35,650

 
5,578

 
5,799

 
(15,071
)
 
31,956

Net income
 
55,995

 
8,761

 
9,108

 
1,248

 
75,112

Net income attributable to non-controlling interests
 

 

 

 
835

 
835

Net income attributable to BOK Financial Corp. shareholders
 
$
55,995

 
$
8,761

 
$
9,108

 
$
413

 
$
74,277

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
16,934,587

 
$
8,827,816

 
$
6,413,735

 
$
470,335

 
$
32,646,473



Reportable segments reconciliation to the Consolidated Financial Statements for the nine months ended September 30, 2016 is as follows (in thousands):
 
 
Commercial
 
Consumer
 
Wealth
Management
 
Funds Management and Other
 
BOK
Financial
Consolidated
Net interest revenue from external sources
 
$
358,713

 
$
65,897

 
$
21,620

 
$
106,800

 
$
553,030

Net interest revenue (expense) from internal sources
 
(44,259
)
 
27,492

 
$
22,258

 
(5,491
)
 

Net interest revenue
 
314,454

 
93,389

 
43,878

 
101,309

 
553,030

Provision for credit losses
 
34,024

 
4,177

 
(479
)
 
27,278

 
65,000

Net interest revenue after provision for credit losses
 
280,430

 
89,212

 
44,357

 
74,031

 
488,030

Other operating revenue
 
146,248

 
172,072

 
218,042

 
(6,096
)
 
530,266

Other operating expense
 
162,039

 
179,487

 
186,524

 
223,993

 
752,043

Net direct contribution
 
264,639

 
81,797

 
75,875

 
(156,058
)
 
266,253

Gain (loss) on financial instruments, net
 

 
30,539

 
(42
)
 
(30,497
)
 

Change in fair value of mortgage servicing rights
 

 
(41,944
)
 

 
41,944

 

Gain on repossessed assets, net
 
806

 
566

 

 
(1,372
)
 

Corporate expense allocations
 
26,681

 
49,513

 
31,864

 
(108,058
)
 

Net income before taxes
 
238,764

 
21,445

 
43,969

 
(37,925
)
 
266,253

Federal and state income taxes
 
92,879

 
8,342

 
17,104

 
(34,444
)
 
83,881

Net income
 
145,885

 
13,103

 
26,865

 
(3,481
)
 
182,372

Net loss attributable to non-controlling interests
 

 

 

 
(270
)
 
(270
)
Net income attributable to BOK Financial Corp. shareholders
 
$
145,885

 
$
13,103

 
$
26,865

 
$
(3,211
)
 
$
182,642

 
 
 
 
 
 
 
 
 
 
 
Average assets
 
$
16,958,999

 
$
8,763,564

 
$
5,916,545

 
$
410,075

 
$
32,049,183

v3.8.0.1
Fair Value Measurements (Tables)
9 Months Ended
Sep. 30, 2017
Fair Value Disclosures [Abstract]  
Fair Value Assets And Liabilities Measured On A Recurring Basis [Table Text Block]
The fair value of financial assets and liabilities measured on a recurring basis was as follows as of September 30, 2017 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
30,162

 
$

 
$
30,162

 
$

U.S. government agency residential mortgage-backed securities
 
516,760

 

 
516,760

 

Municipal and other tax-exempt securities
 
56,148

 

 
56,148

 

Other trading securities
 
11,047

 

 
11,047

 

Total trading securities
 
614,117

 

 
614,117

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
999

 
999

 

 

Municipal and other tax-exempt securities
 
28,368

 

 
23,583

 
4,785

U.S. government agency residential mortgage-backed securities
 
5,326,384

 

 
5,326,384

 

Privately issued residential mortgage-backed securities
 
99,994

 

 
99,994

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,889,346

 

 
2,889,346

 

Other debt securities
 
4,153

 

 

 
4,153

Perpetual preferred stock
 
16,245

 

 
16,245

 

Equity securities and mutual funds
 
17,710

 
2,578

 
15,132

 

Total available for sale securities
 
8,383,199

 
3,577

 
8,370,684

 
8,938

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
819,531

 

 
819,531

 

Residential mortgage loans held for sale
 
275,643

 

 
263,543

 
12,100

Mortgage servicing rights1
 
245,858

 

 

 
245,858

Derivative contracts, net of cash collateral2
 
352,559

 
8,498

 
344,061

 

Liabilities:
 
 

 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
336,327

 
6,903

 
329,424

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate, energy and agricultural derivative contacts. Derivative contacts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate derivative contracts, net of cash margin.

The fair value of financial assets and liabilities measured on a recurring basis was as follows as of December 31, 2016 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
6,234

 
$

 
$
6,234

 
$

U.S. government agency residential mortgage-backed securities
 
310,067

 

 
310,067

 

Municipal and other tax-exempt securities
 
14,427

 

 
14,427

 

Other trading securities
 
6,900

 

 
6,900

 

Total trading securities
 
337,628

 

 
337,628

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
999

 
999

 

 

Municipal and other tax-exempt securities
 
40,993

 

 
35,204

 
5,789

U.S. government agency residential mortgage-backed securities
 
5,460,386

 

 
5,460,386

 

Privately issued residential mortgage-backed securities
 
115,535

 

 
115,535

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,017,933

 

 
3,017,933

 

Other debt securities
 
4,152

 

 

 
4,152

Perpetual preferred stock
 
18,474

 

 
18,474

 

Equity securities and mutual funds
 
18,357

 
3,495

 
14,862

 

Total available for sale securities
 
8,676,829

 
4,494

 
8,662,394

 
9,941

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
77,046

 

 
77,046

 

Residential mortgage loans held for sale
 
301,897

 

 
290,280

 
11,617

Mortgage servicing rights1
 
247,073

 

 

 
247,073

Derivative contracts, net of cash collateral2
 
689,872

 
7,541

 
682,331

 

Liabilities:
 


 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
664,531

 
6,972

 
657,559

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest-rate and energy derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural derivative contracts, net of cash margin.


The fair value of financial assets and liabilities measured on a recurring basis was as follows as of September 30, 2016 (in thousands):
 
 
Total
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs (Level 2)
 
Significant Unobservable Inputs
(Level 3)
Assets:
 
 
 
 
 
 
 
 
Trading securities:
 
 
 
 
 
 
 
 
U.S. government agency debentures
 
$
15,705

 
$

 
$
15,705

 
$

U.S. government agency residential mortgage-backed securities
 
464,749

 

 
464,749

 

Municipal and other tax-exempt securities
 
54,856

 

 
54,856

 

Other trading securities
 
11,305

 

 
11,305

 

Total trading securities
 
546,615

 

 
546,615

 

Available for sale securities:
 
 

 
 

 
 

 
 

U.S. Treasury
 
1,002

 
1,002

 

 

Municipal and other tax-exempt securities
 
42,092

 

 
36,379

 
5,713

U.S. government agency residential mortgage-backed securities
 
5,668,672

 

 
5,668,672

 

Privately issued residential mortgage-backed securities
 
121,603

 

 
121,603

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,986,495

 

 
2,986,495

 

Other debt securities
 
4,151

 

 

 
4,151

Perpetual preferred stock
 
19,578

 

 
19,578

 

Equity securities and mutual funds
 
18,690

 
3,544

 
15,146

 

Total available for sale securities
 
8,862,283

 
4,546

 
8,847,873

 
9,864

Fair value option securities:
 
 
 
 
 
 
 
 
U.S. Treasury
 
222,409

 
222,409

 

 

U.S. government agency residential mortgage-backed securities
 

 

 

 

Total fair value option securities
 
222,409

 
222,409

 

 

Residential mortgage loans held for sale
 
447,592

 

 
438,291

 
9,301

Mortgage servicing rights1
 
203,621

 

 

 
203,621

Derivative contracts, net of cash collateral2
 
655,078

 
5,575

 
649,503

 

Liabilities:
 
 

 
 
 
 
 
 
Derivative contracts, net of cash collateral2
 
573,987

 
1,308

 
572,679

 

1 
A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
2 
See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded energy and agricultural derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate and energy derivative contracts, net cash margin.

Fair Value Assets Measured On Recurring Basis, Significant Unobservable Inputs [Table Text Block]
The following represents the changes for the three and nine months ended September 30, 2017 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt securities
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, June 30, 2017
 
$
4,655

 
$
4,152

 
$
12,735

Transfer to Level 3 from Level 21
 

 

 
176

Purchases
 

 

 

Proceeds from sales
 

 

 
(847
)
Redemptions and distributions
 

 

 

Gain recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
36

Other comprehensive income:
 
 
 
 
 
 
Net change in unrealized gain
 
130

 
1

 

Balance, September 30, 2017
 
$
4,785

 
$
4,153

 
$
12,100

1  
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, December 31, 2016
 
$
5,789

 
$
4,152

 
$
11,617

Transfer to Level 3 from Level 21
 

 

 
2,916

Purchases
 

 

 

Proceeds from sales
 

 

 
(2,549
)
Redemptions and distributions
 
(1,100
)
 

 

Gain (loss) recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
116

Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
96

 
1

 

Balance, September 30, 2017
 
$
4,785

 
$
4,153

 
$
12,100

1 
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
The following represents the changes for the three and six months ended September 30, 2016 related to assets measured at fair value on a recurring basis using significant unobservable inputs (in thousands):
 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt securities
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, June 30, 2016
 
$
9,600

 
$
4,151

 
$
9,749

Transfer to Level 3 from Level 21
 

 

 
442

Purchases
 

 

 

Proceeds from sales
 

 

 
(1,003
)
Redemptions and distributions
 
(3,975
)
 

 

Gain (loss) recognized in earnings:
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
113

Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
88

 

 

Balance, September 30, 2016
 
$
5,713

 
$
4,151

 
$
9,301

1 
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.

 
 
Available for Sale Securities
 
 
 
 
Municipal and other tax-exempt
 
Other debt securities
 
Residential mortgage loans held for sale
Balance, December 31, 2015
 
$
9,610

 
$
4,151

 
$
7,874

Transfer to Level 3 from Level 21
 

 

 
3,982

Purchases
 

 

 

Proceeds from sales
 

 

 
(2,365
)
Redemptions and distributions
 
(3,975
)
 

 

Gain (loss) recognized in earnings
 
 
 
 
 
 
Mortgage banking revenue
 

 

 
(190
)
Other comprehensive income (loss):
 
 
 
 
 
 
Net change in unrealized gain (loss)
 
78

 

 

Balance, September 30, 2016
 
$
5,713

 
$
4,151

 
$
9,301


1  
Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.


Fair Value Inputs, Fair Value Measured On a Recurring Basis, Quantitative Information [Table Text Block]
A summary of quantitative information about assets measured at fair value on a recurring basis using Significant Unobservable Inputs (Level 3) as of September 30, 2017 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost/Unpaid Principal Balance
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
5,095

 
$
5,067

 
$
4,785

 
Discounted cash flows
1 
Interest rate spread
 
6.05%-6.05% (6.05%)
2 
92.25%-95.02% (93.91%)
3 
Other debt securities
 
4,400

 
4,400

 
4,153

 
Discounted cash flows
1 
Interest rate spread
 
6.65%-6.73% (6.72%)
4 
94.38% - 94.38 (94.38%)
3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage loans held for sale
 
N/A

 
12,612

 
12,100

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
95.94%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 352 to 467 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent.


A summary of quantitative information about Recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of December 31, 2016 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost/Unpaid Principal Balance
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
6,195

 
$
6,163

 
$
5,789

 
Discounted cash flows
1 
Interest rate spread
 
5.91%-6.21% (6.16%)
2 
90.00%-93.40% (92.20%)
3 
Other debt securities
 
4,400

 
4,400

 
4,152

 
Discounted cash flows
1 
Interest rate spread
 
6.01%-6.26% (6.23%)
4 
94.34% - 94.36 (94.36%)
3 
Residential mortgage loans held for sale
 
N/A

 
12,431

 
11,617

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
93.45%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 467 to 525 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.

A summary of quantitative information about Recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2016 follows (in thousands):
 
 
Par
Value
 
Amortized
Cost
 
Fair
Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Available for sale securities
 
 
 
 
 
 
 
 
 
 
 
 
 
Municipal and other tax-exempt securities
 
$
6,195

 
$
6,162

 
$
5,713

 
Discounted cash flows
1 
Interest rate spread
 
5.60%-5.90% (5.85%)
2 
90.00%-93.79% (92.22%)
3 
Other debt securities
 
4,400

 
4,400

 
4,151

 
Discounted cash flows
1 
Interest rate spread
 
5.98%-6.03% (6.02%)
4 
94.34% - 94.34 (94.34%)
3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage loans held for sale
 
N/A

 
9,957

 
9,301

 
Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
 
Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
 
93.41%
 
1 
Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume.
2 
Interest rate yields used to value investment grade tax-exempt securities represent a spread of 437 to 484 basis points over average yields for comparable tax-exempt securities.
3 
Represents fair value as a percentage of par value.
4 
Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.

Fair Value Assets Measured on Nonrecurring Basis [Table Text Block]
The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at September 30, 2017 for which the fair value was adjusted during the nine months ended September 30, 2017:
 
 
 
 
 
 
 
Fair Value Adjustments for the
 
Carrying Value at September 30, 2017
 
Three Months Ended
September 30, 2017
Recognized in:
 
Nine Months Ended
September 30, 2017
Recognized in:
 
Quoted Prices
in Active Markets for Identical Instruments
 
Significant
Other
Observable
Inputs
 
Significant
Unobservable
Inputs
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
Impaired loans
$

 
$
423

 
$
10,960

 
$
4,397

 
$

 
$
5,058

 
$

Real estate and other repossessed assets

 
4,392

 
6,845

 

 
4,683

 

 
4,915

 
The following represents the carrying value of assets measured at fair value on a non-recurring basis (and related losses) during the period. The carrying value represents only those assets with a balance at September 30, 2016 for which the fair value was adjusted during the nine months ended September 30, 2016:
 
Carrying Value at September 30, 2016
 
Fair Value Adjustments for the Three Months Ended
September 30, 2016
Recognized in:
 
Nine Months Ended
September 30, 2016
Recognized in:
 
Quoted Prices
in Active Markets for Identical Instruments
 
Significant
Other
Observable
Inputs
 
Significant
Unobservable
Inputs
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
 
Gross charge-offs against allowance for loan losses
 
Net losses and expenses of repossessed assets, net
Impaired loans
$

 
$
436

 
$
23,089

 
$
6,334

 
$

 
$
30,200

 
$

Real estate and other repossessed assets

 
6,048

 
1,927

 

 
480

 

 
1,260

Fair Value Inputs, Fair Value Measured On a Nonrecurring Basis, Quantitative Information [Table Text Block]
A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2017 follows (in thousands):
 
 
Fair Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
Impaired loans
 
$
10,960

 
Discounted cash flows
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
64% - 88% (68%)1
Real estate and other repossessed assets
 
6,845

 
Appraised value, as adjusted
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
N/A
1 
Represents fair value as a percentage of the unpaid principal balance.

A summary of quantitative information about Non-recurring Fair Value Measurements based on Significant Unobservable Inputs (Level 3) as of September 30, 2016 follows (in thousands):
 
 
Fair Value
 
Valuation Technique(s)
 
Unobservable Input
 
Range
(Weighted Average)
Impaired loans
 
$
23,089

 
Discounted cash flows
 
Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
 
23% - 59% (43%)1
Real estate and other repossessed assets
 
1,927

 
Appraised value, as adjusted
 
Marketability adjustments off appraised value2
 
68% - 80% (71%)

1  
Represents fair value as a percentage of the unpaid principal balance.
2  
Marketability adjustments include consideration of estimated costs to sell which is approximately 10% of the fair value.

Fair Value of Financial Instruments [Table Text Block]
The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of September 30, 2017 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
547,203

 
$
547,203

 
$
547,203

 
$

 
$

Interest-bearing cash and cash equivalents
 
1,926,779

 
1,926,779

 
1,926,779

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
30,162

 
30,162

 

 
30,162

 

U.S. government agency residential mortgage-backed securities
 
516,760

 
516,760

 

 
516,760

 

Municipal and other tax-exempt securities
 
56,148

 
56,148

 

 
56,148

 

Other trading securities
 
11,047

 
11,047

 

 
11,047

 

Total trading securities
 
614,117

 
614,117

 

 
614,117

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
246,000

 
249,250

 

 
249,250

 

U.S. government agency residential mortgage-backed securities
 
16,926

 
17,458

 

 
17,458

 

Other debt securities
 
203,636

 
223,187

 

 
223,187

 

Total investment securities
 
466,562

 
489,895

 

 
489,895

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
999

 
999

 
999

 

 

Municipal and other tax-exempt securities
 
28,368

 
28,368

 

 
23,583

 
4,785

U.S. government agency residential mortgage-backed securities
 
5,326,384

 
5,326,384

 

 
5,326,384

 

Privately issued residential mortgage-backed securities
 
99,994

 
99,994

 

 
99,994

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,889,346

 
2,889,346

 

 
2,889,346

 

Other debt securities
 
4,153

 
4,153

 

 

 
4,153

Perpetual preferred stock
 
16,245

 
16,245

 

 
16,245

 

Equity securities and mutual funds
 
17,710

 
17,710

 
2,578

 
15,132

 

Total available for sale securities
 
8,383,199

 
8,383,199

 
3,577

 
8,370,684

 
8,938

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
819,531

 
819,531

 

 
819,531

 

Residential mortgage loans held for sale
 
275,643

 
275,643

 

 
263,543

 
12,100

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,795,934

 
10,574,720

 

 

 
10,574,720

Commercial real estate
 
3,518,142

 
3,467,009

 

 

 
3,467,009

Residential mortgage
 
1,945,750

 
1,958,632

 

 

 
1,958,632

Personal
 
947,008

 
938,819

 

 

 
938,819

Total loans
 
17,206,834

 
16,939,180

 

 

 
16,939,180

Allowance for loan losses
 
(247,703
)
 

 

 

 

Loans, net of allowance
 
16,959,131

 
16,939,180

 

 

 
16,939,180

Mortgage servicing rights
 
245,858

 
245,858

 

 

 
245,858

Derivative instruments with positive fair value, net of cash collateral
 
352,559

 
352,559

 
8,498

 
344,061

 

Deposits with no stated maturity
 
19,675,790

 
19,675,790

 

 

 
19,675,790

Time deposits
 
2,172,289

 
2,138,367

 

 

 
2,138,367

Other borrowed funds
 
6,631,820

 
6,609,642

 

 

 
6,609,642

Subordinated debentures
 
144,668

 
146,693

 

 
146,693

 

Derivative instruments with negative fair value, net of cash collateral
 
336,327

 
336,327

 
6,903

 
329,424

 

The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of December 31, 2016 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
620,846

 
$
620,846

 
$
620,846

 
$

 
$

Interest-bearing cash and cash equivalents
 
1,916,651

 
1,916,651

 
1,916,651

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
6,234

 
6,234

 

 
6,234

 

U.S. government agency residential mortgage-backed securities
 
310,067

 
310,067

 

 
310,067

 

Municipal and other tax-exempt securities
 
14,427

 
14,427

 

 
14,427

 

Other trading securities
 
6,900

 
6,900

 

 
6,900

 

Total trading securities
 
337,628

 
337,628

 

 
337,628

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
320,364

 
321,225

 

 
321,225

 

U.S. government agency residential mortgage-backed securities
 
20,777

 
21,473

 

 
21,473

 

Other debt securities
 
205,004

 
222,795

 

 
222,795

 

Total investment securities
 
546,145

 
565,493

 

 
565,493

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
999

 
999

 
999

 

 

Municipal and other tax-exempt securities
 
40,993

 
40,993

 

 
35,204

 
5,789

U.S. government agency residential mortgage-backed securities
 
5,460,386

 
5,460,386

 

 
5,460,386

 

Privately issued residential mortgage-backed securities
 
115,535

 
115,535

 

 
115,535

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
3,017,933

 
3,017,933

 

 
3,017,933

 

Other debt securities
 
4,152

 
4,152

 

 

 
4,152

Perpetual preferred stock
 
18,474

 
18,474

 

 
18,474

 

Equity securities and mutual funds
 
18,357

 
18,357

 
3,495

 
14,862

 

Total available for sale securities
 
8,676,829

 
8,676,829

 
4,494

 
8,662,394

 
9,941

Fair value option securities – U.S. government agency residential mortgage-backed securities
 
77,046

 
77,046

 

 
77,046

 

Residential mortgage loans held for sale
 
301,897

 
301,897

 

 
290,280

 
11,617

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,390,824

 
10,437,016

 

 

 
10,437,016

Commercial real estate
 
3,809,046

 
3,850,981

 

 

 
3,850,981

Residential mortgage
 
1,949,832

 
2,025,159

 

 

 
2,025,159

Personal
 
839,958

 
864,904

 

 

 
864,904

Total loans
 
16,989,660

 
17,178,060

 

 

 
17,178,060

Allowance for loan losses
 
(246,159
)
 

 

 

 

Loans, net of allowance
 
16,743,501

 
17,178,060

 

 

 
17,178,060

Mortgage servicing rights
 
247,073

 
247,073

 

 

 
247,073

Derivative instruments with positive fair value, net of cash collateral
 
689,872

 
689,872

 
7,541

 
682,331

 

Deposits with no stated maturity
 
20,526,295

 
20,526,295

 

 

 
20,526,295

Time deposits
 
2,221,800

 
2,218,303

 

 

 
2,218,303

Other borrowed funds
 
5,572,662

 
5,556,327

 

 

 
5,556,327

Subordinated debentures
 
144,640

 
128,903

 

 
128,903

 

Derivative instruments with negative fair value, net of cash collateral
 
664,531

 
664,531

 
6,972

 
657,559

 


The following table presents the carrying values and estimated fair values of all financial instruments, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis as of September 30, 2016 (dollars in thousands):
 
 
Carrying
Value
 
Estimated
Fair
Value
 
Quoted Prices in Active Markets for Identical Instruments (Level 1)
 
Significant Other Observable Inputs
(Level 2)
 
Significant Unobservable Inputs
(Level 3)
Cash and due from banks
 
$
535,916

 
$
535,916

 
$
535,916

 
$

 
$

Interest-bearing cash and cash equivalents
 
2,080,978

 
2,080,978

 
2,080,978

 

 

Trading securities:
 
 
 
 
 
 
 

 
 
U.S. government agency debentures
 
15,705

 
15,705

 

 
15,705

 

U.S. government agency residential mortgage-backed securities
 
464,749

 
464,749

 

 
464,749

 

Municipal and other tax-exempt securities
 
54,856

 
54,856

 

 
54,856

 

Other trading securities
 
11,305

 
11,305

 

 
11,305

 

Total trading securities
 
546,615

 
546,615

 

 
546,615

 

Investment securities:
 
 

 
 

 
 
 
 
 
 
Municipal and other tax-exempt securities
 
323,225

 
327,788

 

 
327,788

 

U.S. government agency residential mortgage-backed securities
 
22,166

 
23,452

 

 
23,452

 

Other debt securities
 
201,066

 
229,070

 

 
229,070

 

Total investment securities
 
546,457

 
580,310

 

 
580,310

 

Available for sale securities:
 
 

 
 

 
 
 
 
 
 
U.S. Treasury
 
1,002

 
1,002

 
1,002

 

 

Municipal and other tax-exempt securities
 
42,092

 
42,092

 

 
36,379

 
5,713

U.S. government agency residential mortgage-backed securities
 
5,668,672

 
5,668,672

 

 
5,668,672

 

Privately issued residential mortgage-backed securities
 
121,603

 
121,603

 

 
121,603

 

Commercial mortgage-backed securities guaranteed by U.S. government agencies
 
2,986,495

 
2,986,495

 

 
2,986,495

 

Other debt securities
 
4,151

 
4,151

 

 

 
4,151

Perpetual preferred stock
 
19,578

 
19,578

 

 
19,578

 

Equity securities and mutual funds
 
18,690

 
18,690

 
3,544

 
15,146

 

Total available for sale securities
 
8,862,283

 
8,862,283

 
4,546

 
8,847,873

 
9,864

Fair value option securities:
 
 
 
 
 
 
 
 
 
 
U.S. Treasury
 
222,409

 
222,409

 
222,409

 

 

U.S. government agency residential mortgage-backed securities
 

 

 

 

 

Total fair value option securities
 
222,409

 
222,409

 
222,409

 

 

Residential mortgage loans held for sale
 
447,592

 
447,592

 

 
438,291

 
9,301

Loans:
 
 

 
 

 
 
 
 
 
 
Commercial
 
10,120,163

 
9,926,548

 

 

 
9,926,548

Commercial real estate
 
3,793,598

 
3,769,427

 

 

 
3,769,427

Residential mortgage
 
1,872,793

 
1,905,786

 

 

 
1,905,786

Personal
 
678,232

 
671,421

 

 

 
671,421

Total loans
 
16,464,786

 
16,273,182

 

 

 
16,273,182

Allowance for loan losses
 
(245,103
)
 

 

 

 

Loans, net of allowance
 
16,219,683

 
16,273,182

 

 

 
16,273,182

Mortgage servicing rights
 
203,621

 
203,621

 

 

 
203,621

Derivative instruments with positive fair value, net of cash collateral
 
655,078

 
655,078

 
5,575

 
649,503

 

Deposits with no stated maturity
 
18,925,873

 
18,925,873

 

 

 
18,925,873

Time deposits
 
2,169,631

 
2,163,947

 

 

 
2,163,947

Other borrowed funds
 
7,147,047

 
7,079,737

 

 

 
7,079,737

Subordinated debentures
 
144,631

 
148,360

 

 
148,360

 

Derivative instruments with negative fair value, net of cash collateral
 
573,987

 
573,987

 
1,308

 
572,679

 

Fair Value Inputs, Financial Instruments, Quantitative Information [Table Text Block]
 
Range of
Contractual
Yields
 
Average Re-pricing (in years)
 
Discount
Rate
 
Minimum
 
Maximum
 
Average
 
Minimum
 
Maximum
September 30, 2017
 
 
 
 
 
 
 
 
 
Commercial
0.38
%
 
30.00
%
 
0.62
 
0.78
%
 
4.59
%
Commercial real estate
0.38
%
 
18.00
%
 
0.77
 
1.04
%
 
4.38
%
Residential mortgage
1.74
%
 
18.00
%
 
2.12
 
1.79
%
 
4.09
%
Consumer
0.25
%
 
21.00
%
 
0.24
 
0.55
%
 
4.78
%
 
 
 
 
 
 
 
 
 
 
Time deposits
0.03
%
 
9.64
%
 
1.95
 
1.86
%
 
2.18
%
Other borrowings
0.25
%
 
6.25
%
 
0.02
 
1.06
%
 
3.70
%
Subordinated debentures
5.38
%
 
5.38
%
 
16.85
 
4.96
%
 
4.96
%
 
 
 
 
 
 
 
 
 
 
December 31, 2016
 
 
 
 
 
 
 
 
 
Commercial
0.38
%
 
30.00
%
 
0.70
 
0.64
%
 
4.60
%
Commercial real estate
0.38
%
 
18.00
%
 
0.71
 
0.94
%
 
4.27
%
Residential mortgage
1.74
%
 
18.00
%
 
2.27
 
1.71
%
 
4.26
%
Consumer
0.25
%
 
21.00
%
 
0.40
 
1.03
%
 
4.59
%
 
 
 
 
 
 
 
 
 
 
Time deposits
0.02
%
 
9.65
%
 
1.96
 
1.57
%
 
2.00
%
Other borrowings
0.25
%
 
3.50
%
 
0.00
 
0.55
%
 
3.22
%
Subordinated debentures
5.38
%
 
5.38
%
 
16.86
 
6.11
%
 
6.11
%
 
 
 
 
 
 
 
 
 
 
September 30, 2016
 
 
 
 
 
 
 
 
 
Commercial
0.38
%
 
30.00
%
 
0.69
 
0.54
%
 
3.93
%
Commercial real estate
0.38
%
 
18.00
%
 
0.72
 
0.80
%
 
3.90
%
Residential mortgage
1.74
%
 
18.00
%
 
1.95
 
1.57
%
 
3.55
%
Consumer
0.25
%
 
21.00
%
 
0.35
 
0.75
%
 
4.15
%
 
 
 
 
 
 
 
 
 
 
Time deposits
0.03
%
 
9.65
%
 
2.10
 
1.37
%
 
1.66
%
Other borrowings
0.25
%
 
3.81
%
 
0.02
 
0.29
%
 
2.99
%
Subordinated debentures
5.38
%
 
5.38
%
 
18.37
 
5.38
%
 
5.38
%
v3.8.0.1
Federal and State Income Taxes Federal and State Income Taes (Tables)
9 Months Ended
Sep. 30, 2017
Income Tax Disclosure [Abstract]  
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
The reconciliations of income attributable to continuing operations at the U.S. federal statutory tax rate to income tax expense are as follows (in thousands):
 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Amount:
 
 
 
 
 
 
 
 
Federal statutory tax
 
$
44,880

 
$
37,474

 
$
137,048

 
$
93,189

Tax exempt revenue
 
(3,001
)
 
(2,391
)
 
(9,336
)
 
(7,491
)
Effect of state income taxes, net of federal benefit
 
2,486

 
1,364

 
7,875

 
5,222

Utilization of tax credits:
 
 
 
 
 
 
 
 
Low-income housing tax credit, net of amortization
 
(23
)
 
(623
)
 
(2,272
)
 
(2,505
)
Other tax credits
 
(364
)
 
(522
)
 
(1,091
)
 
(1,564
)
Bank-owned life insurance
 
(705
)
 
(813
)
 
(2,252
)
 
(2,414
)
Share-based compensation
 
(169
)
 

 
(2,470
)
 

Other, net
 
(666
)
 
(2,533
)
 
744

 
(556
)
Total income tax expense
 
$
42,438

 
$
31,956

 
$
128,246

 
$
83,881



 
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
 
 
2017
 
2016
 
2017
 
2016
Percent of pretax income:
 
 
 
 
 
 
 
 
Federal statutory tax
 
35.0
 %
 
35.0
 %
 
35.0
 %
 
35.0
 %
Tax exempt revenue
 
(2.3
)
 
(2.2
)
 
(2.4
)
 
(2.8
)
Effect of state income taxes, net of federal benefit
 
1.9

 
1.3

 
2.0

 
2.0

Utilization of tax credits:
 
 
 
 
 
 
 
 
Low-income housing tax credit, net of amortization
 

 
(0.6
)
 
(0.6
)
 
(0.9
)
Other tax credits
 
(0.3
)
 
(0.5
)
 
(0.3
)
 
(0.6
)
Bank-owned life insurance
 
(0.5
)
 
(0.8
)
 
(0.6
)
 
(0.9
)
Share-based compensation
 
(0.1
)
 

 
(0.6
)
 

Other, net
 
(0.6
)
 
(2.4
)
 
0.3

 
(0.3
)
Total
 
33.1
 %
 
29.8
 %
 
32.8
 %
 
31.5
 %
v3.8.0.1
Significant Accounting Policies Loans and Allowance for Credit Losses (Details)
9 Months Ended
Sep. 30, 2017
Loans and Allowance for Credit Losses [Abstract]  
Loans, Number of Days Past Due for a Non-Risk Graded Loan to be Placed on Nonaccruing Status 90 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Placed on Nonaccruing Status 60 days
Loans and Allowances for Credit Losses, Minimum No of Days After Which Past Due Non-Risk Graded Loans Are Charged Off 60 days
Loans and Allowances for Credit Losses, Maximum No of Days After Which Past Due Non-Risk Graded Loans Are Charged Off 180 days
Loans, Number of Days After Notification of Chapter 7 Bankruptcy Non-Risk Graded Loan is Charged Off 60 days
v3.8.0.1
Significant Accounting Policies Newly Adopted and Pending Accounting Pronouncements (Details)
$ in Millions
9 Months Ended
Sep. 30, 2017
USD ($)
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Interchange fees related to transaction card processing revenue $ 27
v3.8.0.1
Trading Securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Schedule of Trading Securities [Line Items]      
Trading Securities, Fair Value $ 614,117 $ 337,628 $ 546,615
Trading Securities, Net Unrealized Gain (Loss) 798 738 783
Trading Securities, Pledged as Collateral [Abstract]      
Trading Securities Pledged as Collateral 224,000 0 0
U.S. government agency debentures      
Schedule of Trading Securities [Line Items]      
Trading Securities, Fair Value 30,162 6,234 15,705
Trading Securities, Net Unrealized Gain (Loss) (101) (4) (7)
U.S. government agency residential mortgage-backed securities      
Schedule of Trading Securities [Line Items]      
Trading Securities, Fair Value 516,760 310,067 464,749
Trading Securities, Net Unrealized Gain (Loss) 723 635 876
Municipal and other tax-exempt securities      
Schedule of Trading Securities [Line Items]      
Trading Securities, Fair Value 56,148 14,427 54,856
Trading Securities, Net Unrealized Gain (Loss) 153 50 (100)
Other trading securities      
Schedule of Trading Securities [Line Items]      
Trading Securities, Fair Value 11,047 6,900 11,305
Trading Securities, Net Unrealized Gain (Loss) $ 23 $ 57 $ 14
v3.8.0.1
Investment (Held-to-Maturity) Securities (Details)
$ in Thousands
9 Months Ended
Sep. 30, 2017
USD ($)
Dec. 31, 2016
USD ($)
Sep. 30, 2016
USD ($)
Schedule of Investment (Held-to-Maturity) Securities [Line Items]      
Investments Securities, Amortized Cost $ 466,562 $ 546,145 $ 546,457
Investment Securities, fair value 489,895 565,493 580,310
Investment Securities, Gross Unrealized Gain 24,150 [1] 21,154 [2] 34,045 [3]
Investment Securities, Gross Unrealized Loss (817) [1] (1,806) [2] (192) [3]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investments Securities, Debt Maturities, Amortized Cost 466,562 546,145 546,457
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, Fair Value $ 489,895 565,493 580,310
Investment Securities, Debt Maturities, Nominal Yield [Abstract]      
Investment Securities, Debt Maturities, Nominal Yield 3.83%    
Investment Securities, Pledged as Collateral [Abstract]      
Investment Securities, Pledged as Collateral, Amortized Cost $ 237,525 322,208 301,754
Investment Securities, Pledged as Collateral, Fair Value $ 241,208 $ 323,808 $ 307,264
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]      
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 92 193 78
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 93,835 $ 236,070 $ 101,068
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 10,222 5,188 5,215
Investment Securities, Continuous Unrealized Loss Position, Fair Value 104,057 241,258 106,283
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 698 1,709 112
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 119 97 80
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 817 1,806 192
Fixed Maturity Securities [Member]      
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value 98,332    
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value 155,015    
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value 146,626    
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value 49,663    
Investment Securities, Debt Maturities, Single Maturity Date, Net Carrying Value 449,636    
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Fair Value 98,523    
Investment Securities, Debt Maturities, One to Five Years, Fair Value 158,582    
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value 163,842    
Investment Securities, Debt Maturities, Over Ten Years, Fair Value 51,490    
Investment Securities, Debt Maturities, Single Maturity Date, Fair Value $ 472,437    
Investment Securities, Debt Maturities, Nominal Yield [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Nominal Yield 2.08%    
Investment Securities, Debt Maturities, One to Five Years, Nominal Yield 2.97%    
Investment Securities, Debt Maturities, Six to Ten Years, Nominal Yield 5.63%    
Investment Securities, Debt Maturities, Over Ten Years, Nominal Yield 5.02%    
Investment Securities, Debt Maturities, Nominal Yield 3.87%    
Investment Securities, Debt Maturities, Weighted Average Maturity [4] 4.82    
Municipal and other tax-exempt securities      
Schedule of Investment (Held-to-Maturity) Securities [Line Items]      
Investments Securities, Amortized Cost $ 246,000 320,364 323,225
Investment Securities, fair value 249,250 321,225 327,788
Investment Securities, Gross Unrealized Gain 3,415 [1] 2,272 [2] 4,745 [3]
Investment Securities, Gross Unrealized Loss (165) [1] (1,411) [2] (182) [3]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value 84,786    
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value 107,938    
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value 16,132    
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value 37,144    
Investment Securities, Debt Maturities, Single Maturity Date, Net Carrying Value 246,000    
Investments Securities, Debt Maturities, Amortized Cost 246,000 320,364 323,225
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Fair Value 84,835    
Investment Securities, Debt Maturities, One to Five Years, Fair Value 108,352    
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value 16,776    
Investment Securities, Debt Maturities, Over Ten Years, Fair Value 39,287    
Investment Securities, Debt Maturities, Single Maturity Date, Fair Value 249,250    
Investment Securities, Debt Maturities, Fair Value $ 249,250 $ 321,225 $ 327,788
Investment Securities, Debt Maturities, Nominal Yield [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Nominal Yield [5] 1.75%    
Investment Securities, Debt Maturities, One to Five Years, Nominal Yield [5] 2.15%    
Investment Securities, Debt Maturities, Six to Ten Years, Nominal Yield [5] 4.68%    
Investment Securities, Debt Maturities, Over Ten Years, Nominal Yield [5] 5.21%    
Investment Securities, Debt Maturities, Nominal Yield [5] 2.64%    
Investment Securities, Debt Maturities, Weighted Average Maturity [4] 3.51    
Investment Securities,Debt Maturities, Effective tax rate for nominal yield calculation 39.00%    
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]      
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 63 151 75
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 80,235 $ 219,892 $ 100,624
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 9,795 4,333 4,359
Investment Securities, Continuous Unrealized Loss Position, Fair Value 90,030 224,225 104,983
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 70 1,316 106
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 95 95 76
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 165 1,411 182
Other debt securities      
Schedule of Investment (Held-to-Maturity) Securities [Line Items]      
Investments Securities, Amortized Cost 203,636 205,004 201,066
Investment Securities, fair value 223,187 222,795 229,070
Investment Securities, Gross Unrealized Gain 20,141 [1] 18,115 [2] 28,014 [3]
Investment Securities, Gross Unrealized Loss (590) [1] (324) [2] (10) [3]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investment Securities, Debt Maturities, Less than One Year, Net Carrying Value 13,546    
Investment Securities, Debt Maturities, One to Five Years, Net Carrying Value 47,077    
Investment Securities, Debt Maturities, Six to Ten Years, Net Carrying Value 130,494    
Investment Securities, Debt Maturities, Over Ten Years, Net Carrying Value 12,519    
Investment Securities, Debt Maturities, Single Maturity Date, Net Carrying Value 203,636    
Investments Securities, Debt Maturities, Amortized Cost 203,636 205,004 201,066
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Fair Value 13,688    
Investment Securities, Debt Maturities, One to Five Years, Fair Value 50,230    
Investment Securities, Debt Maturities, Six to Ten Years, Fair Value 147,066    
Investment Securities, Debt Maturities, Over Ten Years, Fair Value 12,203    
Investment Securities, Debt Maturities, Single Maturity Date, Fair Value 223,187    
Investment Securities, Debt Maturities, Fair Value $ 223,187 $ 222,795 $ 229,070
Investment Securities, Debt Maturities, Nominal Yield [Abstract]      
Investment Securities, Debt Maturities, Less Than One Year, Nominal Yield 4.10%    
Investment Securities, Debt Maturities, One to Five Years, Nominal Yield 4.86%    
Investment Securities, Debt Maturities, Six to Ten Years, Nominal Yield 5.75%    
Investment Securities, Debt Maturities, Over Ten Years, Nominal Yield 4.47%    
Investment Securities, Debt Maturities, Nominal Yield 5.35%    
Investment Securities, Debt Maturities, Weighted Average Maturity [4] 6.40    
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]      
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 28 41 3
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 10,022 $ 11,820 $ 444
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 427 855 856
Investment Securities, Continuous Unrealized Loss Position, Fair Value 10,449 12,675 1,300
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 566 322 6
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 24 2 4
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss 590 324 10
U.S. government agency residential mortgage-backed securities      
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investment Securities, Debt Maturities, without Single Maturity Date, Net Carrying Value 16,926    
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, without Single Maturity Date, Fair Value $ 17,458    
Investment Securities, Debt Maturities, Nominal Yield [Abstract]      
Investment Securities, Debt Maturities, Nominal Yield [6] 2.76%    
Investment Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities 4 years 255 days    
U.S. government agency residential mortgage-backed securities | Other      
Schedule of Investment (Held-to-Maturity) Securities [Line Items]      
Investments Securities, Amortized Cost $ 16,926 20,777 22,166
Investment Securities, fair value 17,458 21,473 23,452
Investment Securities, Gross Unrealized Gain 594 [1] 767 [2] 1,286 [3]
Investment Securities, Gross Unrealized Loss (62) [1] (71) [2] 0 [3]
Investment Securities, Debt Maturities, Net Carrying Value [Abstract]      
Investments Securities, Debt Maturities, Amortized Cost 16,926 20,777 22,166
Investment Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]      
Investment Securities, Debt Maturities, Fair Value $ 17,458 $ 21,473 $ 23,452
Investment Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]      
Investment Securities, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1 1 0
Investment Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,578 $ 4,358 $ 0
Investment Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 0 0
Investment Securities, Continuous Unrealized Loss Position, Fair Value 3,578 4,358 0
Investment Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]      
Investment Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 62 71 0
Investment Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 0 0
Investment Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 62 $ 71 $ 0
[1] Gross unrealized gains and losses are not recognized in Accumulated Other Comprehensive Income "AOCI" in the Consolidated Balance Sheets.
[2] Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
[3] Gross unrealized gains and losses are not recognized in AOCI in the Consolidated Balance Sheets.
[4] Expected maturities may differ from contractual maturities, because borrowers may have the right to call or prepay obligations with or without penalty.
[5] Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
[6] The nominal yield on residential mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary - Unaudited for current yields on the investment securities portfolio.
v3.8.0.1
Available for Sale Securities (Details)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
USD ($)
Sep. 30, 2016
USD ($)
Sep. 30, 2017
USD ($)
Sep. 30, 2016
USD ($)
Dec. 31, 2016
USD ($)
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost $ 8,369,138 $ 8,702,750 $ 8,369,138 $ 8,702,750 $ 8,691,728
Available-for-sale Securities, Fair Value 8,383,199 8,862,283 8,383,199 8,862,283 8,676,829
Available-for-sale Securities, Gross Unrealized Gain 64,797 [1] 165,765 [2] 64,797 [1] 165,765 [2] 60,165 [3]
Available-for-sale Securities, Gross Unrealized Loss (50,736) [1] (6,028) [2] (50,736) [1] (6,028) [2] (74,846) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] (204) [5] 0 [4] (204) [5] (218) [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 8,369,138 8,702,750 8,369,138 8,702,750 8,691,728
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 8,383,199 8,862,283 $ 8,383,199 8,862,283 8,676,829
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Nominal Yield 1.95%   1.95%    
Available-for-sale Securities, Gross Realized Gain (Loss), Disclosures [Abstract]          
Available-for-sale Securities, Proceeds $ 265,632 232,239 $ 966,044 1,027,379  
Available-for-sale Securities, Gross realized gains 2,768 2,415 7,623 11,705  
Available-for-sale Securities, Gross realized losses (281) (21) (2,707) (21)  
Available-for-sale Securities, Related federal and state income tax expense 967 931 1,912 4,545  
Available-for-sale Securities, Pledged as Collateral [Abstract]          
Available-for-sale Securities, Pledged As Collateral, Amortized cost 6,559,615 7,098,721 6,559,615 7,098,721 7,353,116
Available-for-sale Securities, Pledged As Collateral, Fair value $ 6,551,240 $ 7,213,520 $ 6,551,240 $ 7,213,520 $ 7,327,470
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 383 130 383 130 488
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 2,878,675 $ 1,107,872 $ 2,878,675 $ 1,107,872 $ 5,231,605
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 1,373,859 327,297 1,373,859 327,297 178,249
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 4,252,534 1,435,169 4,252,534 1,435,169 5,409,854
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 23,486 4,786 23,486 4,786 70,818
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 27,250 1,446 27,250 1,446 4,246
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 50,736 6,232 50,736 6,232 75,064
Fixed Maturity Securities [Member]          
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis 69,237   69,237    
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis 982,728   982,728    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis 1,616,383   1,616,383    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis 265,291   265,291    
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 2,933,639   2,933,639    
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value 69,181   69,181    
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value 980,779   980,779    
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value 1,610,642   1,610,642    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value 262,264   262,264    
Available-for-sale Securities, Debt Maturities, Single Maturity Date $ 2,922,866   $ 2,922,866    
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Nominal Yield 1.50%   1.50%    
Available-for-sale Securities, Debt Maturities, One to Five Years, Nominal Yield 1.86%   1.86%    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Nominal Yield 1.92%   1.92%    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Nominal Yield 1.93%   1.93%    
Available-for-sale Securities, Debt Maturities, Nominal Yield 1.88%   1.88%    
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity [7] 6.96   6.96    
U.S. Treasury          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost $ 1,000 1,000 $ 1,000 1,000 1,000
Available-for-sale Securities, Fair Value 999 1,002 999 1,002 999
Available-for-sale Securities, Gross Unrealized Gain 0 [1] 2 [2] 0 [1] 2 [2] 0 [3]
Available-for-sale Securities, Gross Unrealized Loss (1) [1] 0 [2] (1) [1] 0 [2] (1) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis 1,000   1,000    
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 1,000   1,000    
Available-for-sale Securities, Debt Maturities, Amortized Cost 1,000 1,000 1,000 1,000 1,000
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value 999   999    
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Single Maturity Date 999   999    
Available-for-sale Securities, Debt Maturities, Fair Value $ 999 $ 1,002 $ 999 $ 1,002 $ 999
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Nominal Yield 0.87%   0.87%    
Available-for-sale Securities, Debt Maturities, One to Five Years, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Nominal Yield 0.87%   0.87%    
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity [7] 0.29   0.29    
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1 0 1 0 1
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 999 $ 0 $ 999 $ 0 $ 999
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 999 0 999 0 999
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 1 0 1 0 1
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 1 0 1 0 1
Municipal and other tax-exempt securities          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 28,411 41,943 28,411 41,943 41,050
Available-for-sale Securities, Fair Value 28,368 42,092 28,368 42,092 40,993
Available-for-sale Securities, Gross Unrealized Gain 240 [1] 602 [2] 240 [1] 602 [2] 343 [3]
Available-for-sale Securities, Gross Unrealized Loss (283) [1] (453) [2] (283) [1] (453) [2] (400) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis 8,754   8,754    
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis 4,163   4,163    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis 15,494   15,494    
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 28,411   28,411    
Available-for-sale Securities, Debt Maturities, Amortized Cost 28,411 41,943 28,411 41,943 41,050
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value 8,780   8,780    
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value 4,313   4,313    
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value 15,275   15,275    
Available-for-sale Securities, Debt Maturities, Single Maturity Date 28,368   28,368    
Available-for-sale Securities, Debt Maturities, Fair Value $ 28,368 $ 42,092 $ 28,368 $ 42,092 $ 40,993
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Nominal Yield [8] 3.25%   3.25%    
Available-for-sale Securities, Debt Maturities, One to Five Years, Nominal Yield [8] 5.13%   5.13%    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Nominal Yield [8] 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Nominal Yield [8],[9] 2.26%   2.26%    
Available-for-sale Securities, Debt Maturities, Nominal Yield [8] 2.99%   2.99%    
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity [7] 9.00   9.00    
Available-for-sale Securities, Debt Maturities, Effective tax rate for nominal yield calculation 39.00%   39.00%    
Available-for-sale Securities, Debt Maturities, Number of days for interest rates to reset 35 days        
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 11 20 11 20 24
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 576 $ 2,210 $ 576 $ 2,210 $ 15,666
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 4,785 6,396 4,785 6,396 4,689
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 5,361 8,606 5,361 8,606 20,355
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 1 3 1 3 22
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 282 450 282 450 378
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 283 453 283 453 400
Commercial mortgage-backed securities guaranteed by U.S. government agencies          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 2,899,828 2,942,988 2,899,828 2,942,988 3,035,750
Available-for-sale Securities, Fair Value 2,889,346 2,986,495 2,889,346 2,986,495 3,017,933
Available-for-sale Securities, Gross Unrealized Gain 5,577 [1] 45,329 [2] 5,577 [1] 45,329 [2] 5,472 [3]
Available-for-sale Securities, Gross Unrealized Loss (16,059) [1] (1,822) [2] (16,059) [1] (1,822) [2] (23,289) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis 59,483   59,483    
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis 978,565   978,565    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis 1,616,383   1,616,383    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis 245,397   245,397    
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 2,899,828   2,899,828    
Available-for-sale Securities, Debt Maturities, Amortized Cost 2,899,828 2,942,988 2,899,828 2,942,988 3,035,750
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value 59,402   59,402    
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value 976,466   976,466    
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value 1,610,642   1,610,642    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value 242,836   242,836    
Available-for-sale Securities, Debt Maturities, Single Maturity Date 2,889,346   2,889,346    
Available-for-sale Securities, Debt Maturities, Fair Value $ 2,889,346 $ 2,986,495 $ 2,889,346 $ 2,986,495 $ 3,017,933
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Nominal Yield 1.25%   1.25%    
Available-for-sale Securities, Debt Maturities, One to Five Years, Nominal Yield 1.85%   1.85%    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Nominal Yield 1.92%   1.92%    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Nominal Yield 1.92%   1.92%    
Available-for-sale Securities, Debt Maturities, Nominal Yield 1.88%   1.88%    
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity [7] 6.90   6.90    
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 137 33 137 33 171
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 1,154,911 $ 372,805 $ 1,154,911 $ 372,805 $ 1,904,584
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 559,984 60,851 559,984 60,851 38,875
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 1,714,895 433,656 1,714,895 433,656 1,943,459
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 7,194 1,656 7,194 1,656 22,987
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 8,865 166 8,865 166 302
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 16,059 1,822 16,059 1,822 23,289
Other debt securities          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 4,400 4,400 4,400 4,400 4,400
Available-for-sale Securities, Fair Value 4,153 4,151 4,153 4,151 4,152
Available-for-sale Securities, Gross Unrealized Gain 0 [1] 0 [2] 0 [1] 0 [2] 0 [3]
Available-for-sale Securities, Gross Unrealized Loss (247) [1] (249) [2] (247) [1] (249) [2] (248) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, One to Five Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Amortized Cost Basis 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Amortized Cost Basis 4,400   4,400    
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis 4,400   4,400    
Available-for-sale Securities, Debt Maturities, Amortized Cost 4,400 4,400 4,400 4,400 4,400
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, One to Five Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Six to Ten Years, Fair Value 0   0    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Fair Value 4,153   4,153    
Available-for-sale Securities, Debt Maturities, Single Maturity Date 4,153   4,153    
Available-for-sale Securities, Debt Maturities, Fair Value $ 4,153 $ 4,151 $ 4,153 $ 4,151 $ 4,152
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Less than One Year, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, One to Five Years, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Six To Ten Years, Nominal Yield 0.00%   0.00%    
Available-for-sale Securities, Debt Maturities, Over Ten Years, Nominal Yield [9] 1.71%   1.71%    
Available-for-sale Securities, Debt Maturities, Nominal Yield 1.71%   1.71%    
Available-for-sale Securities, Debt Maturities, Weighted Average Maturity [7] 29.91   29.91    
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 2 2 2 2 2
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0 $ 0 $ 0 $ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 4,153 4,151 4,153 4,151 4,152
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 4,153 4,151 4,153 4,151 4,152
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 247 249 247 249 248
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 247 249 247 249 248
Residential Mortgage Backed Securities [Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 5,405,134 5,679,520 5,405,134 5,679,520 5,576,543
Available-for-sale Securities, Fair Value 5,426,378 5,790,275 5,426,378 5,790,275 5,575,921
Available-for-sale Securities, Gross Unrealized Gain 54,642 [1] 114,446 [2] 54,642 [1] 114,446 [2] 50,377 [3]
Available-for-sale Securities, Gross Unrealized Loss (33,398) [1] (3,487) [2] (33,398) [1] (3,487) [2] (50,781) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] (204) [5] 0 [4] (204) [5] (218) [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis 5,405,134   5,405,134    
Available-for-sale Securities, Debt Maturities, Amortized Cost 5,405,134 5,679,520 5,405,134 5,679,520 5,576,543
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value 5,426,378   5,426,378    
Available-for-sale Securities, Debt Maturities, Fair Value $ 5,426,378 $ 5,790,275 $ 5,426,378 $ 5,790,275 $ 5,575,921
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Nominal Yield [10] 1.99%   1.99%    
Available-for-sale Securities, Debt Maturities, Average Expected Life of Mortgage-backed Securities     4 years    
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 141 42 141 42 186
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 1,718,517 $ 732,771 $ 1,718,517 $ 732,771 $ 3,308,229
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 803,509 255,013 803,509 255,013 129,716
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 2,522,026 987,784 2,522,026 987,784 3,437,945
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 15,594 3,127 15,594 3,127 47,767
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 17,804 564 17,804 564 3,232
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 33,398 3,691 33,398 3,691 50,999
U.S. government agency residential mortgage-backed securities          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 5,324,337 5,571,104 5,324,337 5,571,104 5,475,351
Available-for-sale Securities, Fair Value 5,326,384 5,668,672 5,326,384 5,668,672 5,460,386
Available-for-sale Securities, Gross Unrealized Gain 35,445 [1] 101,029 [2] 35,445 [1] 101,029 [2] 35,800 [3]
Available-for-sale Securities, Gross Unrealized Loss (33,398) [1] (3,461) [2] (33,398) [1] (3,461) [2] (50,765) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 5,324,337 5,571,104 5,324,337 5,571,104 5,475,351
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 5,326,384 $ 5,668,672 $ 5,326,384 $ 5,668,672 $ 5,460,386
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 141 36 141 36 180
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 1,718,517 $ 717,957 $ 1,718,517 $ 717,957 $ 3,300,298
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 803,509 247,240 803,509 247,240 116,208
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 2,522,026 965,197 2,522,026 965,197 3,416,506
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 15,594 2,960 15,594 2,960 47,593
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 17,804 501 17,804 501 3,172
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 33,398 3,461 33,398 3,461 50,765
U.S. government agency residential mortgage-backed securities | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 3,103,869 3,035,041 3,103,869 3,035,041 3,062,525
Available-for-sale Securities, Fair Value 3,108,822 3,101,136 3,108,822 3,101,136 3,055,676
Available-for-sale Securities, Gross Unrealized Gain 25,510 [1] 67,859 [2] 25,510 [1] 67,859 [2] 25,066 [3]
Available-for-sale Securities, Gross Unrealized Loss (20,557) [1] (1,764) [2] (20,557) [1] (1,764) [2] (31,915) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 3,103,869 3,035,041 3,103,869 3,035,041 3,062,525
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 3,108,822 $ 3,101,136 $ 3,108,822 $ 3,101,136 $ 3,055,676
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 81 14 81 14 91
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 1,054,171 $ 365,201 $ 1,054,171 $ 365,201 $ 1,787,644
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 480,994 14,229 480,994 14,229 72,105
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 1,535,165 379,430 1,535,165 379,430 1,859,749
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 10,288 1,712 10,288 1,712 30,238
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 10,269 52 10,269 52 1,677
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 20,557 1,764 20,557 1,764 31,915
U.S. government agency residential mortgage-backed securities | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 1,331,212 1,611,887 1,331,212 1,611,887 1,534,451
Available-for-sale Securities, Fair Value 1,330,159 1,641,178 1,330,159 1,641,178 1,531,116
Available-for-sale Securities, Gross Unrealized Gain 6,630 [1] 29,640 [2] 6,630 [1] 29,640 [2] 8,475 [3]
Available-for-sale Securities, Gross Unrealized Loss (7,683) [1] (349) [2] (7,683) [1] (349) [2] (11,810) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 1,331,212 1,611,887 1,331,212 1,611,887 1,534,451
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 1,330,159 $ 1,641,178 $ 1,330,159 $ 1,641,178 $ 1,531,116
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 42 6 42 6 58
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 477,823 $ 122,713 $ 477,823 $ 122,713 $ 964,017
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 198,478 20,306 198,478 20,306 18,307
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 676,301 143,019 676,301 143,019 982,324
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 3,546 91 3,546 91 11,210
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 4,137 258 4,137 258 600
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 7,683 349 7,683 349 11,810
U.S. government agency residential mortgage-backed securities | Government National Mortgage Association Certificates and Obligations (GNMA) [Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 864,256 924,176 864,256 924,176 878,375
Available-for-sale Securities, Fair Value 862,394 926,358 862,394 926,358 873,594
Available-for-sale Securities, Gross Unrealized Gain 3,254 [1] 3,530 [2] 3,254 [1] 3,530 [2] 2,259 [3]
Available-for-sale Securities, Gross Unrealized Loss (5,116) [1] (1,348) [2] (5,116) [1] (1,348) [2] (7,040) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 864,256 924,176 864,256 924,176 878,375
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 862,394 $ 926,358 $ 862,394 $ 926,358 $ 873,594
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 17 16 17 16 31
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 166,565 $ 230,043 $ 166,565 $ 230,043 $ 548,637
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 124,037 212,705 124,037 212,705 25,796
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 290,602 442,748 290,602 442,748 574,433
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 1,718 1,157 1,718 1,157 6,145
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 3,398 191 3,398 191 895
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 5,116 1,348 5,116 1,348 7,040
U.S. government agency residential mortgage-backed securities | Other          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 25,000   25,000    
Available-for-sale Securities, Fair Value 25,009   25,009    
Available-for-sale Securities, Gross Unrealized Gain [1] 51   51    
Available-for-sale Securities, Gross Unrealized Loss [1] (42)   (42)    
Available-for-Sale Securities, Other Than Temporary Impairments 0   0    
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 25,000   25,000    
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 25,009   $ 25,009    
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 1   1    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 19,958   $ 19,958    
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0   0    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 19,958   19,958    
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 42   42    
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0   0    
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 42   42    
Privately issued residential mortgage-backed securities          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 80,797 108,416 80,797 108,416 101,192
Available-for-sale Securities, Fair Value 99,994 121,603 99,994 121,603 115,535
Available-for-sale Securities, Gross Unrealized Gain 19,197 [1] 13,417 [2] 19,197 [1] 13,417 [2] 14,577 [3]
Available-for-sale Securities, Gross Unrealized Loss 0 [1] (26) [2] 0 [1] (26) [2] (16) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] (204) [5] 0 [4] (204) [5] (218) [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 80,797 108,416 80,797 108,416 101,192
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 99,994 $ 121,603 $ 99,994 $ 121,603 $ 115,535
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 0 6 [11] 0 6 [11] 6 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 14,814 [11] $ 0 $ 14,814 [11] $ 7,931 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 7,773 [11] 0 7,773 [11] 13,508 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 0 22,587 [11] 0 22,587 [11] 21,439 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 167 [11] 0 167 [11] 174 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 63 [11] 0 63 [11] 60 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 0 230 [11] 0 230 [11] 234 [12]
Privately issued residential mortgage-backed securities | Alt A loans Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 35,853 47,039 35,853 47,039 44,245
Available-for-sale Securities, Fair Value 46,695 54,065 46,695 54,065 51,512
Available-for-sale Securities, Gross Unrealized Gain 10,842 [1] 7,230 [2] 10,842 [1] 7,230 [2] 7,485 [3]
Available-for-sale Securities, Gross Unrealized Loss 0 [1] 0 [2] 0 [1] 0 [2] 0 [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] (204) [5] 0 [4] (204) [5] (218) [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 35,853 47,039 35,853 47,039 44,245
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 46,695 $ 54,065 $ 46,695 $ 54,065 $ 51,512
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 0 5 [11] 0 5 [11] 5 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 8,231 [11] $ 0 $ 8,231 [11] $ 7,931 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 7,773 [11] 0 7,773 [11] 7,410 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 0 16,004 [11] 0 16,004 [11] 15,341 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 141 [11] 0 141 [11] 174 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 63 [11] 0 63 [11] 44 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 0 204 [11] 0 204 [11] 218 [12]
Privately issued residential mortgage-backed securities | Jumbo A loans [Member]          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 44,944 61,377 44,944 61,377 56,947
Available-for-sale Securities, Fair Value 53,299 67,538 53,299 67,538 64,023
Available-for-sale Securities, Gross Unrealized Gain 8,355 [1] 6,187 [2] 8,355 [1] 6,187 [2] 7,092 [3]
Available-for-sale Securities, Gross Unrealized Loss 0 [1] (26) [2] 0 [1] (26) [2] (16) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 44,944 61,377 44,944 61,377 56,947
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 53,299 $ 67,538 $ 53,299 $ 67,538 $ 64,023
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 0 1 [11] 0 1 [11] 1 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 6,583 [11] $ 0 $ 6,583 [11] $ 0 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 0 [11] 0 0 [11] 6,098 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 0 6,583 [11] 0 6,583 [11] 6,098 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 26 [11] 0 26 [11] 0 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 0 [11] 0 0 [11] 16 [12]
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 0 26 [11] 0 26 [11] 16 [12]
Perpetual Preferred, Equity Securities and Mutual Funds [Member]          
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis 30,365   30,365    
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value $ 33,955   $ 33,955    
Available-for-sale Securities, Debt Maturities, Nominal Yield [Abstract]          
Available-for-sale Securities, Debt Maturities, Nominal Yield 0.00%   0.00%    
Perpetual preferred stock          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost $ 12,562 15,562 $ 12,562 15,562 15,561
Available-for-sale Securities, Fair Value 16,245 19,578 16,245 19,578 18,474
Available-for-sale Securities, Gross Unrealized Gain 3,683 [1] 4,016 [2] 3,683 [1] 4,016 [2] 2,913 [3]
Available-for-sale Securities, Gross Unrealized Loss 0 [1] 0 [2] 0 [1] 0 [2] 0 [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 12,562 15,562 12,562 15,562 15,561
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 16,245 $ 19,578 $ 16,245 $ 19,578 $ 18,474
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 0 $ 0 $ 0 $ 0 $ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 0 0 0 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss 0 0 0 0 0
Equity securities and mutual funds          
Schedule of Available-for-sale Securities [Line Items]          
Available-for-sale Securities, Amortized Cost 17,803 17,337 17,803 17,337 17,424
Available-for-sale Securities, Fair Value 17,710 18,690 17,710 18,690 18,357
Available-for-sale Securities, Gross Unrealized Gain 655 [1] 1,370 [2] 655 [1] 1,370 [2] 1,060 [3]
Available-for-sale Securities, Gross Unrealized Loss (748) [1] (17) [2] (748) [1] (17) [2] (127) [3]
Available-for-Sale Securities, Other Than Temporary Impairments 0 [4] 0 [5] 0 [4] 0 [5] 0 [6]
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Amortized Cost 17,803 17,337 17,803 17,337 17,424
Available-for-sale Securities, Debt Maturities, Fair Value, Rolling Maturity [Abstract]          
Available-for-sale Securities, Debt Maturities, Fair Value $ 17,710 $ 18,690 $ 17,710 $ 18,690 $ 18,357
Available-for-sale Securities, Continuous Unrealized Loss Position, Qualitative Disclosure [Abstract]          
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions 91 33 91 33 104
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value $ 3,672 $ 86 $ 3,672 $ 86 $ 2,127
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value 1,428 886 1,428 886 817
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value 5,100 972 5,100 972 2,944
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]          
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss 696 0 696 0 41
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss 52 17 52 17 86
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss $ 748 $ 17 $ 748 $ 17 $ 127
[1] Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
[2] Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
[3] Gross unrealized gain/loss recognized in AOCI in the consolidated balance sheet.
[4] Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.
[5] Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.
[6] Amounts represent unrealized loss that remains in AOCI after an other-than-temporary credit loss has been recognized in income.
[7] Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalty.
[8] Calculated on a taxable equivalent basis using a 39 percent effective tax rate.
[9] Nominal yield on municipal and other tax-exempt securities and other debt securities with contractual maturity dates over ten years are based on variable rates which generally are reset within 35 days.
[10] The nominal yield on mortgage-backed securities is based upon prepayment assumptions at the purchase date. Actual yields earned may differ significantly based upon actual prepayments. See Quarterly Financial Summary –– Unaudited following for current yields on available for sale securities portfolio.
[11] Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.
[12] Includes securities for which an unrealized loss remains in AOCI after an other-than-temporary credit loss has been recognized in income.
v3.8.0.1
Securities Fair Value Option Securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Schedule of Fair Value Option Securities [Line Items]      
Fair Value Option Securities, Fair Value $ 819,531 $ 77,046 $ 222,409
Fair Value Option Securities, Net Unrealized Gain or Loss 1,671 (1,777) (2,397)
U.S. Treasury      
Schedule of Fair Value Option Securities [Line Items]      
Fair Value Option Securities, Fair Value 0 0 222,409
Fair Value Option Securities, Net Unrealized Gain or Loss 0 0 (2,397)
U.S. government agency residential mortgage-backed securities      
Schedule of Fair Value Option Securities [Line Items]      
Fair Value Option Securities, Fair Value 819,531 77,046 0
Fair Value Option Securities, Net Unrealized Gain or Loss $ 1,671 $ (1,777) $ 0
v3.8.0.1
Securities Restricted Equity Securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Restricted Equity Securities [Abstract]      
Federal Reserve stock $ 36,676 $ 36,498 $ 36,283
Federal Home Loan Bank stock 310,622 270,541 296,907
Other 244 201 201
Total $ 347,542 $ 307,240 $ 333,391
v3.8.0.1
Derivatives, Fair Value of Derivatives Contracts (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Derivative Assets, Fair Value, Net [Abstract]      
Derviative contracts, net of cash collateral, Assets, Fair value $ 352,559 $ 689,872 $ 655,078
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Fair Value, Net of Cash Collateral 336,327 664,531 573,987
Not Designated as Hedging Instrument [Member]      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 28,952,817 [1] 22,437,314 [2] 25,136,553 [3]
Derivative Liabilities, Notional 26,144,409 [1] 22,178,359 [2] 23,988,858 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 402,422 789,791 734,256
Derivative Assets, Netting Adjustments (45,885) (89,368) (68,713)
Derivative Assets, Net Fair Value Before Cash Collateral 356,537 700,423 665,543
Derivative Assets, Cash Collateral (3,978) (10,551) (10,465)
Derviative contracts, net of cash collateral, Assets, Fair value 352,559 689,872 655,078
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 400,580 801,809 725,452
Derivative Liabilities, Netting Adjustments (45,885) (89,368) (68,713)
Derivative Liabilities, Net Fair Value Before Cash Collateral 354,695 712,441 656,739
Derivative Liabilities, Cash Collateral (18,368) (47,910) (82,752)
Derivative Liabilities, Fair Value, Net of Cash Collateral 336,327 664,531 573,987
Not Designated as Hedging Instrument [Member] | To-be-announced residential mortgage-backed securities      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 14,244,442 [1] 16,949,152 [2] 20,078,974 [3]
Derivative Liabilities, Notional 14,244,442 [1] 16,637,532 [2] 19,776,883 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 38,875 180,695 90,999
Derivative Assets, Netting Adjustments (9,547) (60,555) (38,678)
Derivative Assets, Net Fair Value Before Cash Collateral 29,328 120,140 52,321
Derivative Assets, Cash Collateral 0 0 0
Derviative contracts, net of cash collateral, Assets, Fair value 29,328 120,140 52,321
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 34,948 176,928 86,812
Derivative Liabilities, Netting Adjustments (9,547) (60,555) (38,678)
Derivative Liabilities, Net Fair Value Before Cash Collateral 25,401 116,373 48,134
Derivative Liabilities, Cash Collateral (374) 0 (39,042)
Derivative Liabilities, Fair Value, Net of Cash Collateral 25,027 116,373 9,092
Not Designated as Hedging Instrument [Member] | Interest rate swaps      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 1,368,210 [1] 1,403,408 [2] 1,323,045 [3]
Derivative Liabilities, Notional 1,368,230 [1] 1,403,408 [2] 1,323,045 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 27,016 34,442 49,279
Derivative Assets, Netting Adjustments 0 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 27,016 34,442 49,279
Derivative Assets, Cash Collateral (2,820) (4,567) (794)
Derviative contracts, net of cash collateral, Assets, Fair value 24,196 29,875 48,485
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 27,056 34,442 49,518
Derivative Liabilities, Netting Adjustments 0 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 27,056 34,442 49,518
Derivative Liabilities, Cash Collateral (16,599) (11,977) (34,457)
Derivative Liabilities, Fair Value, Net of Cash Collateral 10,457 22,465 15,061
Not Designated as Hedging Instrument [Member] | Energy contracts      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 983,794 [1] 835,566 [2] 729,202 [3]
Derivative Liabilities, Notional 939,350 [1] 820,365 [2] 695,835 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 45,368 64,140 41,775
Derivative Assets, Netting Adjustments (35,166) (28,298) (28,464)
Derivative Assets, Net Fair Value Before Cash Collateral 10,202 35,842 13,311
Derivative Assets, Cash Collateral (238) (71) (288)
Derviative contracts, net of cash collateral, Assets, Fair value 9,964 35,771 13,023
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 42,744 64,306 40,888
Derivative Liabilities, Netting Adjustments (35,166) (28,298) (28,464)
Derivative Liabilities, Net Fair Value Before Cash Collateral 7,578 36,008 12,424
Derivative Liabilities, Cash Collateral 0 (31,534) (3,857)
Derivative Liabilities, Fair Value, Net of Cash Collateral 7,578 4,474 8,567
Not Designated as Hedging Instrument [Member] | Agricultural contracts      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 60,745 [1] 53,209 [2] 53,002 [3]
Derivative Liabilities, Notional 60,746 [1] 53,216 [2] 52,997 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 1,870 1,382 3,950
Derivative Assets, Netting Adjustments (1,172) (515) (1,571)
Derivative Assets, Net Fair Value Before Cash Collateral 698 867 2,379
Derivative Assets, Cash Collateral 0 0 (1,076)
Derviative contracts, net of cash collateral, Assets, Fair value 698 867 1,303
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 1,846 1,365 3,943
Derivative Liabilities, Netting Adjustments (1,172) (515) (1,571)
Derivative Liabilities, Net Fair Value Before Cash Collateral 674 850 2,372
Derivative Liabilities, Cash Collateral 0 (769) 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 674 81 2,372
Not Designated as Hedging Instrument [Member] | Foreign exchange contracts      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 252,525 [1] 580,886 [2] 550,828 [3]
Derivative Liabilities, Notional 249,269 [1] 580,712 [2] 550,943 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 249,788 494,349 536,264
Derivative Assets, Netting Adjustments 0 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 249,788 494,349 536,264
Derivative Assets, Cash Collateral 0 (5,183) (7,577)
Derviative contracts, net of cash collateral, Assets, Fair value 249,788 489,166 528,687
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 245,925 494,695 536,660
Derivative Liabilities, Netting Adjustments 0 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 245,925 494,695 536,660
Derivative Liabilities, Cash Collateral (1,395) (3,630) (5,396)
Derivative Liabilities, Fair Value, Net of Cash Collateral 244,530 491,065 531,264
Not Designated as Hedging Instrument [Member] | Equity option contracts      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 101,841 [1] 100,924 [2] 103,464 [3]
Derivative Liabilities, Notional 101,841 [1] 100,924 [2] 103,464 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 4,871 4,357 4,654
Derivative Assets, Netting Adjustments 0 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 4,871 4,357 4,654
Derivative Assets, Cash Collateral (920) (730) (730)
Derviative contracts, net of cash collateral, Assets, Fair value 3,951 3,627 3,924
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 4,871 4,357 4,654
Derivative Liabilities, Netting Adjustments 0 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 4,871 4,357 4,654
Derivative Liabilities, Cash Collateral 0 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral 4,871 4,357 4,654
Not Designated as Hedging Instrument [Member] | Total customer risk management programs      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 17,011,557 [1] 19,923,145 [2] 22,838,515 [3]
Derivative Liabilities, Notional 16,963,878 [1] 19,596,157 [2] 22,503,167 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 367,788 779,365 726,921
Derivative Assets, Netting Adjustments (45,885) (89,368) (68,713)
Derivative Assets, Net Fair Value Before Cash Collateral 321,903 689,997 658,208
Derivative Assets, Cash Collateral (3,978) (10,551) (10,465)
Derviative contracts, net of cash collateral, Assets, Fair value 317,925 679,446 647,743
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 357,390 776,093 722,475
Derivative Liabilities, Netting Adjustments (45,885) (89,368) (68,713)
Derivative Liabilities, Net Fair Value Before Cash Collateral 311,505 686,725 653,762
Derivative Liabilities, Cash Collateral (18,368) (47,910) (82,752)
Derivative Liabilities, Fair Value, Net of Cash Collateral 293,137 638,815 571,010
Not Designated as Hedging Instrument [Member] | Internal risk management programs      
Notional Amount of Derivatives [Abstract]      
Derivative Assets, Notional 11,941,260 [1] 2,514,169 [2] 2,298,038 [3]
Derivative Liabilities, Notional 9,180,531 [1] 2,582,202 [2] 1,485,691 [3]
Derivative Assets, Fair Value, Net [Abstract]      
Derivative Assets, Gross Fair Value 34,634 10,426 7,335
Derivative Assets, Netting Adjustments 0 0 0
Derivative Assets, Net Fair Value Before Cash Collateral 34,634 10,426 7,335
Derivative Assets, Cash Collateral 0 0 0
Derviative contracts, net of cash collateral, Assets, Fair value 34,634 10,426 7,335
Derivative Liabilities, Fair Value, Net [Abstract]      
Derivative Liabilities, Gross Fair Value 43,190 25,716 2,977
Derivative Liabilities, Netting Adjustments 0 0 0
Derivative Liabilities, Net Fair Value Before Cash Collateral 43,190 25,716 2,977
Derivative Liabilities, Cash Collateral 0 0 0
Derivative Liabilities, Fair Value, Net of Cash Collateral $ 43,190 $ 25,716 $ 2,977
[1] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
[2] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
[3] Notional amounts for commodity contracts are converted into dollar-equivalent amounts based on dollar prices at the inception of the contract.
v3.8.0.1
Derivatives, Derivatives Instruments Gain (Loss) in Income Statement (Details) - Not Designated as Hedging Instrument [Member] - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue $ 9,817 $ 12,151 $ 39,110 $ 34,510
Gain (Loss) on Derivatives, Net 1,033 2,226 3,824 20,130
To-be-announced residential mortgage-backed securities        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 9,181 11,584 26,413 28,886
Gain (Loss) on Derivatives, Net 0 0 0 0
Interest rate swaps        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 767 710 1,891 1,758
Gain (Loss) on Derivatives, Net 0 0 0 0
Energy contracts        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 378 1,222 4,917 4,667
Gain (Loss) on Derivatives, Net 0 0 0 0
Agricultural contracts        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 38 25 58 86
Gain (Loss) on Derivatives, Net 0 0 0 0
Foreign exchange contracts        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 164 218 524 730
Gain (Loss) on Derivatives, Net 0 0 0 0
Equity option contracts        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 0 0 0 0
Gain (Loss) on Derivatives, Net 0 0 0 0
Total customer risk management programs        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue 10,528 13,759 33,803 36,127
Gain (Loss) on Derivatives, Net 0 0 0 0
Internal risk management programs        
Derivative Instruments, Gain (Loss) Recognized in Income, Net [Abstract]        
Brokergage and Trading Revenue (711) (1,608) 5,307 (1,617)
Gain (Loss) on Derivatives, Net $ 1,033 $ 2,226 $ 3,824 $ 20,130
v3.8.0.1
Loans and Allowance for Credit Losses, Loans by Portfolio Type (Details) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Loan receivables disclosure [Abstract]      
Loans, fixed rate of interest $ 4,532,914 $ 4,753,600 $ 4,233,548
Loans, variable rate of interest 12,448,284 12,005,076 11,994,286
Loans, non-accrual 225,636 230,984 236,952
Total 17,206,834 16,989,660 16,464,786
Accruing loans past due (90 days) [1] 253 5 3,839
Credit Commitments [Abstract]      
Outstanding commitments to extend credit 9,700,000    
Outstanding standby letters of credit 666,000    
Outstanding commercial letters of credit 2,300    
Texas [Member] | Geographic Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 5,900,000    
Loans receivable, other information [Abstract]      
Percentage of loan portfolio attributed to Texas (in hundredths) 34.00%    
Oklahoma [Member] | Geographic Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 3,400,000    
Loans receivable, other information [Abstract]      
Percentage of loan portfolio attributed to Oklahoma (in hundredths) 20.00%    
Commercial      
Loan receivables disclosure [Abstract]      
Loans, fixed rate of interest $ 2,225,470 2,327,085 1,991,423
Loans, variable rate of interest 8,393,564 7,884,786 7,952,276
Loans, non-accrual 176,900 178,953 176,464
Total 10,795,934 10,390,824 10,120,163
Commercial | Texas [Member] | Geographic Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 3,700,000    
Loans receivable, other information [Abstract]      
Percentage of loan portfolio attributed to Texas (in hundredths) 34.00%    
Commercial | Oklahoma [Member] | Geographic Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,100,000    
Loans receivable, other information [Abstract]      
Percentage of loan portfolio attributed to Oklahoma (in hundredths) 19.00%    
Commercial | Energy [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,867,981 2,497,868 2,520,804
Commercial | Energy [Member] | Credit Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,900,000    
Loans receivable, other information [Abstract]      
Percentage of loan class to total loans 17.00%    
Commercial | Energy Producers [Member] | Credit Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,300,000    
Loans receivable, other information [Abstract]      
Percentage of committed energy production loans secured by oil 57.00%    
Percentage of committed energy production loans secured by natural gas 43.00%    
Commercial | Services [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,967,513 3,108,990 2,936,599
Commercial | Services [Member] | Credit Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 3,000,000    
Loans receivable, other information [Abstract]      
Percentage of loan class to total loans 17.00%    
Amount of loans with individual balances less than $10 million $ 1,500,000    
Maximum loan amount for certain individual loans in category 10,000    
Commercial | Healthcare [Member]      
Loan receivables disclosure [Abstract]      
Total 2,239,451 2,201,916 2,085,046
Commercial | Healthcare [Member] | Credit Concentration Risk [Member]      
Loan receivables disclosure [Abstract]      
Total $ 2,200,000    
Loans receivable, other information [Abstract]      
Percentage of loan class to total loans 13.00%    
Commercial real estate      
Loan receivables disclosure [Abstract]      
Loans, fixed rate of interest $ 564,681 624,187 565,429
Loans, variable rate of interest 2,950,486 3,179,338 3,220,819
Loans, non-accrual 2,975 5,521 7,350
Total $ 3,518,142 3,809,046 3,793,598
Commercial real estate | Texas [Member] | Geographic Concentration Risk [Member]      
Loans receivable, other information [Abstract]      
Percentage of loan portfolio secured by property in Texas (in hundredths) 35.00%    
Commercial real estate | Oklahoma [Member] | Geographic Concentration Risk [Member]      
Loans receivable, other information [Abstract]      
Percentage of loan portfolio secured by property in Oklahoma (in hundredths) 13.00%    
Residential mortgage      
Loan receivables disclosure [Abstract]      
Loans, fixed rate of interest $ 1,589,013 1,647,357 1,572,288
Loans, variable rate of interest 311,231 256,255 248,053
Loans, non-accrual 45,506 46,220 52,452
Total 1,945,750 1,949,832 1,872,793
Residential mortgage | Permanent mortgage [Member]      
Loan receivables disclosure [Abstract]      
Total $ 1,013,965 1,006,820 969,558
Loans receivable, other information [Abstract]      
Minimum FICO required for jumbo loan approval 720    
Maximum debt-to-income ratio on jumbo loans (in hundredths) 38.00%    
Minimum loan-to-value ratio on jumbo loans (in hundredths) 60.00%    
Maximum loan-to-value ratio on jumbo loans (in hundredths) 100.00%    
Minimum period for fixed rate on variable rate jumbo loans (in years) 3 years    
Maximum period for fixed rate on variable rate jumbo loans (in years) 10 years    
Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]      
Loan receivables disclosure [Abstract]      
Total $ 187,370 199,387 190,309
Loans receivable, other information [Abstract]      
Amount of loans guaranteed by US government and previously sold into GNMA mortgage pools 187,000    
Residential mortgage | Home equity [Member]      
Loan receivables disclosure [Abstract]      
Total $ 744,415 743,625 712,926
Loans receivable, other information [Abstract]      
Percentage of home equity portfolio comprised of first lien loans 64.00%    
Percentage of home equity portfolio comprised of junior lien loans 36.00%    
Percentage of junior lien home equity loans that are amortizing term loans 47.00%    
Percentage of junior lien home equity loans that are revolving lines of credit 53.00%    
Home equity loans, description Home equity loans generally require a minimum FICO score of 700 and a maximum DTI of 40 percent.    
Home equity loans, maximum $ 400    
Home equity loans, revolving period 5 years    
Home equity loans, amortization period following revolving period 15 years    
Home equity loans, discretionary additional revolving period 5 years    
Personal      
Loan receivables disclosure [Abstract]      
Loans, fixed rate of interest $ 153,750 154,971 104,408
Loans, variable rate of interest 793,003 684,697 573,138
Loans, non-accrual 255 290 686
Total $ 947,008 $ 839,958 $ 678,232
[1] Excludes residential mortgage loans guaranteed by agencies of the U.S. government
v3.8.0.1
Loans and Allowances for Credit Losses, Activity in Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Allowance for loan losses [Roll Forward]              
Beginning balance $ 250,061 $ 243,259 $ 246,159 $ 225,524      
Provision for loan losses 1,030 7,907 5,843 55,573      
Loans charged off (5,825) (8,101) (10,850) (40,937)      
Recoveries 2,437 2,038 6,551 4,943      
Ending balance 247,703 245,103 247,703 245,103      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 6,431 9,045 11,244 1,711      
Provision for off-balance sheet credit losses (1,030) 2,093 (5,843) 9,427      
Ending balance 5,401 11,138 5,401 11,138      
Total provision for credit losses 0 10,000 0 65,000      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         $ 16,981,198 $ 16,758,676 $ 16,227,834
Individually measured for impairment, recorded investment         225,636 230,984 236,952
Total         17,206,834 16,989,660 16,464,786
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         206,341 217,116 210,353
Individually measured for impairment, related allowance         13,284 843 6,564
Total 250,061 243,259 246,159 225,524 247,703 246,159 245,103
Commercial              
Allowance for loan losses [Roll Forward]              
Beginning balance 137,742 145,139 140,213 130,334      
Provision for loan losses 2,474 2,420 665 45,995      
Loans charged off (4,429) (6,266) (6,556) (35,747)      
Recoveries 1,014 177 2,479 888      
Ending balance 136,801 141,470 136,801 141,470      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 6,301 8,752 11,063 1,506      
Provision for off-balance sheet credit losses (976) 2,170 (5,738) 9,416      
Ending balance 5,325 10,922 5,325 10,922      
Total provision for credit losses 1,498 4,590 (5,073) 55,411      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         10,619,034 10,211,871 9,943,699
Individually measured for impairment, recorded investment         176,900 178,953 176,464
Total         10,795,934 10,390,824 10,120,163
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         123,517 139,416 134,968
Individually measured for impairment, related allowance         13,284 797 6,502
Total 137,742 145,139 140,213 130,334 136,801 140,213 141,470
Commercial real estate              
Allowance for loan losses [Roll Forward]              
Beginning balance 58,580 46,745 50,749 41,391      
Provision for loan losses (2,914) 2,551 4,050 7,538      
Loans charged off 0 0 (76) 0      
Recoveries 739 521 1,682 888      
Ending balance 56,405 49,817 56,405 49,817      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 84 203 123 153      
Provision for off-balance sheet credit losses (49) (53) (88) (3)      
Ending balance 35 150 35 150      
Total provision for credit losses (2,963) 2,498 3,962 7,535      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         3,515,167 3,803,525 3,786,248
Individually measured for impairment, recorded investment         2,975 5,521 7,350
Total         3,518,142 3,809,046 3,793,598
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         56,405 50,749 49,817
Individually measured for impairment, related allowance         0 0 0
Total 58,580 46,745 50,749 41,391 56,405 50,749 49,817
Residential mortgage              
Allowance for loan losses [Roll Forward]              
Beginning balance 18,259 18,690 18,224 19,509      
Provision for loan losses 168 (466) 82 (829)      
Loans charged off (168) (285) (444) (1,104)      
Recoveries 134 650 531 1,013      
Ending balance 18,393 18,589 18,393 18,589      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 38 62 50 30      
Provision for off-balance sheet credit losses 1 (7) (11) 25      
Ending balance 39 55 39 55      
Total provision for credit losses 169 (473) 71 (804)      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         1,900,244 1,903,612 1,820,341
Individually measured for impairment, recorded investment         45,506 46,220 52,452
Total         1,945,750 1,949,832 1,872,793
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         18,393 18,178 18,527
Individually measured for impairment, related allowance         0 46 62
Total 18,259 18,690 18,224 19,509 18,393 18,224 18,589
Personal              
Allowance for loan losses [Roll Forward]              
Beginning balance 8,106 6,001 8,773 4,164      
Provision for loan losses 598 1,900 1,168 4,809      
Loans charged off (1,228) (1,550) (3,774) (4,086)      
Recoveries 550 690 1,859 2,154      
Ending balance 8,026 7,041 8,026 7,041      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 8 28 8 22      
Provision for off-balance sheet credit losses (6) (17) (6) (11)      
Ending balance 2 11 2 11      
Total provision for credit losses 592 1,883 1,162 4,798      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         946,753 839,668 677,546
Individually measured for impairment, recorded investment         255 290 686
Total         947,008 839,958 678,232
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         8,026 8,773 7,041
Individually measured for impairment, related allowance         0 0 0
Total 8,106 6,001 8,773 4,164 8,026 8,773 7,041
Specific Allowance [Member]              
Allowance for loan losses [Roll Forward]              
Beginning balance     217,959        
Ending balance 219,625 216,917 219,625 216,917      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         16,981,198 16,758,676 16,227,834
Individually measured for impairment, recorded investment         225,636 230,984 236,952
Total         17,206,834 16,989,660 16,464,786
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         206,341 217,116 210,353
Individually measured for impairment, related allowance         13,284 843 6,564
Total 219,625 216,917 217,959 216,917 219,625 217,959 216,917
Nonspecific Allowance [Member]              
Allowance for loan losses [Roll Forward]              
Beginning balance 27,374 26,684 28,200 30,126      
Provision for loan losses 704 1,502 (122) (1,940)      
Loans charged off 0 0 0 0      
Recoveries 0 0 0 0      
Ending balance 28,078 28,186 28,078 28,186      
Allowance for off-balance sheet credit losses [Roll Forward]              
Beginning balance 0 0 0 0      
Provision for off-balance sheet credit losses 0 0 0 0      
Ending balance 0 0 0 0      
Total provision for credit losses 704 1,502 (122) (1,940)      
Recorded investment [Abstract]              
Collectively measured for impairment, recorded investment         0 0 0
Individually measured for impairment, recorded investment         0 0 0
Total         0 0 0
Related allowance [Abstract]              
Collectively measured for impairment, related allowance         0 0 0
Individually measured for impairment, related allowance         0 0 0
Total $ 27,374 $ 26,684 $ 28,200 $ 30,126 $ 28,078 $ 28,200 $ 28,186
v3.8.0.1
Loans and Allowances for Credit Losses, Credit Quality Indicators (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Jun. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Dec. 31, 2015
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment $ 15,351,135   $ 15,158,076 $ 14,680,781    
Non-Graded, Recorded Investment 1,855,699   1,831,584 1,784,005    
Total 17,206,834   16,989,660 16,464,786    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 201,362   197,970 197,579    
Non-Graded, Allowance 18,263   19,989 19,338    
Total 247,703 $ 250,061 246,159 245,103 $ 243,259 $ 225,524
Commercial            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 10,750,657   10,360,725 10,093,884    
Non-Graded, Recorded Investment 45,277   30,099 26,279    
Total 10,795,934   10,390,824 10,120,163    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 135,846   139,293 140,552    
Non-Graded, Allowance 955   920 918    
Total 136,801 137,742 140,213 141,470 145,139 130,334
Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Total 2,867,981   2,497,868 2,520,804    
Commercial | Services [Member]            
Recorded Investment [Abstract]            
Total 2,967,513   3,108,990 2,936,599    
Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Total 1,658,098   1,576,818 1,602,030    
Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Total 519,446   514,975 499,486    
Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Total 2,239,451   2,201,916 2,085,046    
Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Total 543,445   490,257 476,198    
Commercial real estate            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 3,518,142   3,809,046 3,793,598    
Non-Graded, Recorded Investment 0   0 0    
Total 3,518,142   3,809,046 3,793,598    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 56,405   50,749 49,817    
Non-Graded, Allowance 0   0 0    
Total 56,405 58,580 50,749 49,817 46,745 41,391
Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Total 112,102   135,533 159,946    
Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Total 725,865   761,888 801,377    
Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Total 797,089   798,888 752,705    
Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Total 999,009   903,272 873,773    
Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Total 591,080   871,749 838,021    
Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Total 292,997   337,716 367,776    
Residential mortgage            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 226,306   243,703 206,430    
Non-Graded, Recorded Investment 1,719,444   1,706,129 1,666,363    
Total 1,945,750   1,949,832 1,872,793    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 3,068   2,893 3,028    
Non-Graded, Allowance 15,325   15,331 15,561    
Total 18,393 18,259 18,224 18,589 18,690 19,509
Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Total 1,013,965   1,006,820 969,558    
Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Total 187,370   199,387 190,309    
Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Total 744,415   743,625 712,926    
Personal            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 856,030   744,602 586,869    
Non-Graded, Recorded Investment 90,978   95,356 91,363    
Total 947,008   839,958 678,232    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 6,043   5,035 4,182    
Non-Graded, Allowance 1,983   3,738 2,859    
Total 8,026 8,106 8,773 7,041 6,001 4,164
Specific Allowance [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 15,351,135   15,158,076 14,680,781    
Non-Graded, Recorded Investment 1,855,699   1,831,584 1,784,005    
Total 17,206,834   16,989,660 16,464,786    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 201,362   197,970 197,579    
Non-Graded, Allowance 18,263   19,989 19,338    
Total 219,625   217,959 216,917    
Nonspecific Allowance [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Non-Graded, Recorded Investment 0   0 0    
Total 0   0 0    
Related Allowance [Abstract]            
Internally Risk Graded, Allowance 0   0 0    
Non-Graded, Allowance 0   0 0    
Total 28,078 $ 27,374 28,200 28,186 $ 26,684 $ 30,126
Performing [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 1,811,095   1,786,530 1,733,743    
Performing [Member] | Commercial            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 45,132   30,041 26,210    
Performing [Member] | Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial | Services [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 45,132   30,041 26,210    
Performing [Member] | Commercial real estate            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 0   0 0    
Performing [Member] | Residential mortgage            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 1,675,154   1,661,326 1,616,425    
Performing [Member] | Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 764,252   741,679 739,686    
Performing [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 178,000   188,000 175,000    
Performing [Member] | Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 732,423   732,106 701,862    
Performing [Member] | Personal            
Recorded Investment [Abstract]            
Non-Graded, Recorded Investment 90,809   95,163 91,108    
Performing [Member] | Pass [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 14,687,428   14,343,507 13,778,278    
Performing [Member] | Pass [Member] | Commercial            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 10,102,018   9,567,816 9,217,958    
Performing [Member] | Pass [Member] | Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 2,436,465   1,937,790 1,869,598    
Performing [Member] | Pass [Member] | Commercial | Services [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 2,932,577   3,052,002 2,882,065    
Performing [Member] | Pass [Member] | Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,637,698   1,535,463 1,557,067    
Performing [Member] | Pass [Member] | Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 486,383   468,314 470,702    
Performing [Member] | Pass [Member] | Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 2,150,099   2,140,458 2,022,757    
Performing [Member] | Pass [Member] | Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 458,796   433,789 415,769    
Performing [Member] | Pass [Member] | Commercial real estate            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 3,505,318   3,793,471 3,774,443    
Performing [Member] | Pass [Member] | Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 110,178   131,630 155,737    
Performing [Member] | Pass [Member] | Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 724,887   756,418 794,920    
Performing [Member] | Pass [Member] | Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 788,539   798,462 750,924    
Performing [Member] | Pass [Member] | Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 998,125   898,800 868,501    
Performing [Member] | Pass [Member] | Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 591,080   871,673 837,945    
Performing [Member] | Pass [Member] | Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 292,509   336,488 366,416    
Performing [Member] | Pass [Member] | Residential mortgage            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 224,235   238,769 200,590    
Performing [Member] | Pass [Member] | Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 224,235   238,769 200,590    
Performing [Member] | Pass [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Pass [Member] | Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Pass [Member] | Personal            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 855,857   743,451 585,287    
Performing [Member] | Other Loans Especially Mentioned [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 197,952   229,673 237,948    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 188,546   223,742 230,827    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 114,065   119,583 147,153    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Services [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 26,372   10,960 14,861    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 9,021   16,886 15,337    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 7,181   26,532 8,774    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 31,855   44,472 42,224    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 52   5,309 2,478    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 8,964   4,745 5,701    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 689   4,745 4,802    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 8,275   0 899    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 393   1,186 1,192    
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 393   1,186 1,192    
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Other Loans Especially Mentioned [Member] | Personal            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 49   0 228    
Performing [Member] | Substandard [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 284,723   398,966 477,865    
Performing [Member] | Substandard [Member] | Commercial            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 283,338   390,272 468,704    
Performing [Member] | Substandard [Member] | Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 206,768   307,996 361,087    
Performing [Member] | Substandard [Member] | Commercial | Services [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 7,390   37,855 31,196    
Performing [Member] | Substandard [Member] | Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 9,486   13,062 27,173    
Performing [Member] | Substandard [Member] | Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 16,823   15,198 19,736    
Performing [Member] | Substandard [Member] | Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 33,051   16,161 19,210    
Performing [Member] | Substandard [Member] | Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 9,820   0 10,302    
Performing [Member] | Substandard [Member] | Commercial real estate            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 885   5,309 6,104    
Performing [Member] | Substandard [Member] | Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   470 470    
Performing [Member] | Substandard [Member] | Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   399 406    
Performing [Member] | Substandard [Member] | Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Substandard [Member] | Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 884   4,434 5,221    
Performing [Member] | Substandard [Member] | Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Substandard [Member] | Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1   6 7    
Performing [Member] | Substandard [Member] | Residential mortgage            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 462   2,331 2,134    
Performing [Member] | Substandard [Member] | Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 462   2,331 2,134    
Performing [Member] | Substandard [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Substandard [Member] | Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Performing [Member] | Substandard [Member] | Personal            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 38   1,054 923    
Nonaccrual [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 181,032   185,930 186,690    
Non-Graded, Recorded Investment 44,604   45,054 50,262    
Nonaccrual [Member] | Commercial            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 176,755   178,895 176,395    
Non-Graded, Recorded Investment 145   58 69    
Nonaccrual [Member] | Commercial | Energy [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 110,683   132,499 142,966    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial | Services [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,174   8,173 8,477    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial | Wholesale/retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,893   11,407 2,453    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial | Manufacturing [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 9,059   4,931 274    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial | Healthcare [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 24,446   825 855    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial | Other commercial and industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 29,500   21,060 21,370    
Non-Graded, Recorded Investment 145   58 69    
Nonaccrual [Member] | Commercial real estate            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 2,975   5,521 7,350    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Residential construction and land development [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,924   3,433 3,739    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Retail [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 289   326 1,249    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Office [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 275   426 882    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Multifamily [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   38 51    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Industrial [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   76 76    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Commercial real estate | Other commercial real estate [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 487   1,222 1,353    
Non-Graded, Recorded Investment 0   0 0    
Nonaccrual [Member] | Residential mortgage            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,216   1,417 2,514    
Non-Graded, Recorded Investment 44,290   44,803 49,938    
Nonaccrual [Member] | Residential mortgage | Permanent mortgage [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 1,216   1,417 2,514    
Non-Graded, Recorded Investment 23,407   21,438 23,442    
Nonaccrual [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Non-Graded, Recorded Investment 8,900   12,000 15,000    
Nonaccrual [Member] | Residential mortgage | Home equity [Member]            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 0   0 0    
Non-Graded, Recorded Investment 11,992   11,519 11,064    
Nonaccrual [Member] | Personal            
Recorded Investment [Abstract]            
Internally Risk Graded, Recorded Investment 86   97 431    
Non-Graded, Recorded Investment $ 169   $ 193 $ 255    
v3.8.0.1
Loans and Allowance for Credit Losses, Impaired Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Dec. 31, 2016
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance $ 460,466 $ 489,949 $ 460,466 $ 489,949 $ 473,526
Impaired loans, recorded investment, total 404,115 411,829 404,115 411,829 418,525
Impaired loans, recorded investment with no related allowance 314,610 369,054 314,610 369,054 407,363
Impaired loans, recorded investment with related allowance 89,505 42,775 89,505 42,775 11,162
Impaired loans, related allowance 13,284 6,564 13,284 6,564 843
Impaired loans, average recorded investment 415,027 415,029 417,476 350,511  
Impaired loans, interest income recognized 2,199 2,390 6,721 6,816  
Commercial          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 218,386 230,950 218,386 230,950 211,762
Impaired loans, recorded investment, total 176,900 176,464 176,900 176,464 178,953
Impaired loans, recorded investment with no related allowance 87,395 133,798 87,395 133,798 167,837
Impaired loans, recorded investment with related allowance 89,505 42,666 89,505 42,666 11,116
Impaired loans, related allowance 13,284 6,502 13,284 6,502 797
Impaired loans, average recorded investment 187,029 179,227 177,927 109,701  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Energy [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 133,643 179,578 133,643 179,578 146,897
Impaired loans, recorded investment, total 110,683 142,966 110,683 142,966 132,499
Impaired loans, recorded investment with no related allowance 45,169 100,300 45,169 100,300 121,418
Impaired loans, recorded investment with related allowance 65,514 42,666 65,514 42,666 11,081
Impaired loans, related allowance 4,944 6,502 4,944 6,502 762
Impaired loans, average recorded investment 117,338 155,555 121,591 85,333  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Services [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 3,838 11,858 3,838 11,858 11,723
Impaired loans, recorded investment, total 1,174 8,477 1,174 8,477 8,173
Impaired loans, recorded investment with no related allowance 1,174 8,477 1,174 8,477 8,173
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 4,464 8,932 4,674 9,384  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Wholesale/retail [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 8,418 8,528 8,418 8,528 17,669
Impaired loans, recorded investment, total 1,893 2,453 1,893 2,453 11,407
Impaired loans, recorded investment with no related allowance 1,893 2,453 1,893 2,453 11,407
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 6,256 2,613 6,650 2,686  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Manufacturing [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 9,674 642 9,674 642 5,320
Impaired loans, recorded investment, total 9,059 274 9,059 274 4,931
Impaired loans, recorded investment with no related allowance 9,059 274 9,059 274 4,931
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 9,357 284 6,995 303  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Healthcare [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 24,591 1,168 24,591 1,168 1,147
Impaired loans, recorded investment, total 24,446 855 24,446 855 825
Impaired loans, recorded investment with no related allowance 474 855 474 855 825
Impaired loans, recorded investment with related allowance 23,972 0 23,972 0 0
Impaired loans, related allowance 8,323 0 8,323 0 0
Impaired loans, average recorded investment 24,476 865 12,635 964  
Impaired loans, interest income recognized 0 0 0 0  
Commercial | Other commercial and industrial [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 38,222 29,176 38,222 29,176 29,006
Impaired loans, recorded investment, total 29,645 21,439 29,645 21,439 21,118
Impaired loans, recorded investment with no related allowance 29,626 21,439 29,626 21,439 21,083
Impaired loans, recorded investment with related allowance 19 0 19 0 35
Impaired loans, related allowance 17 0 17 0 35
Impaired loans, average recorded investment 25,138 10,978 25,382 11,031  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 5,003 17,642 5,003 17,642 14,427
Impaired loans, recorded investment, total 2,975 7,350 2,975 7,350 5,521
Impaired loans, recorded investment with no related allowance 2,975 7,350 2,975 7,350 5,521
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 3,375 7,565 4,250 8,176  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Residential construction and land development [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 3,532 6,090 3,532 6,090 4,951
Impaired loans, recorded investment, total 1,924 3,739 1,924 3,739 3,433
Impaired loans, recorded investment with no related allowance 1,924 3,739 1,924 3,739 3,433
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 1,988 4,000 2,679 4,074  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Retail [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 513 1,914 513 1,914 530
Impaired loans, recorded investment, total 289 1,249 289 1,249 326
Impaired loans, recorded investment with no related allowance 289 1,249 289 1,249 326
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 295 1,257 308 1,284  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Office [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 287 1,187 287 1,187 521
Impaired loans, recorded investment, total 275 882 275 882 426
Impaired loans, recorded investment with no related allowance 275 882 275 882 426
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 335 744 351 766  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Multifamily [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 0 1,000 0 1,000 1,000
Impaired loans, recorded investment, total 0 51 0 51 38
Impaired loans, recorded investment with no related allowance 0 51 0 51 38
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 5 58 19 163  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Industrial [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 0 76 0 76 76
Impaired loans, recorded investment, total 0 76 0 76 76
Impaired loans, recorded investment with no related allowance 0 76 0 76 76
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 0 76 38 76  
Impaired loans, interest income recognized 0 0 0 0  
Commercial real estate | Other commercial real estate [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 671 7,375 671 7,375 7,349
Impaired loans, recorded investment, total 487 1,353 487 1,353 1,222
Impaired loans, recorded investment with no related allowance 487 1,353 487 1,353 1,222
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 752 1,430 855 1,813  
Impaired loans, interest income recognized 0 0 0 0  
Residential mortgage          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 236,787 240,633 236,787 240,633 247,005
Impaired loans, recorded investment, total 223,985 227,329 223,985 227,329 233,761
Impaired loans, recorded investment with no related allowance 223,985 227,220 223,985 227,220 233,715
Impaired loans, recorded investment with related allowance 0 109 0 109 46
Impaired loans, related allowance 0 62 0 62 46
Impaired loans, average recorded investment 224,360 227,717 235,026 232,059  
Impaired loans, interest income recognized 2,199 2,390 6,721 6,816  
Residential mortgage | Permanent mortgage [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 29,861 32,372 29,861 32,372 28,830
Impaired loans, recorded investment, total 24,623 25,956 24,623 25,956 22,855
Impaired loans, recorded investment with no related allowance 24,623 25,847 24,623 25,847 22,809
Impaired loans, recorded investment with related allowance 0 109 0 109 46
Impaired loans, related allowance 0 62 0 62 46
Impaired loans, average recorded investment 24,019 26,592 23,739 27,470  
Impaired loans, interest income recognized 315 292 912 923  
Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 193,594 [1] 196,162 [2] 193,594 [1] 196,162 [2] 205,564 [3]
Impaired loans, recorded investment, total 187,370 [1] 190,309 [2] 187,370 [1] 190,309 [2] 199,387 [3]
Impaired loans, recorded investment with no related allowance 187,370 [1] 190,309 [2] 187,370 [1] 190,309 [2] 199,387 [3]
Impaired loans, recorded investment with related allowance 0 [1] 0 [2] 0 [1] 0 [2] 0 [3]
Impaired loans, related allowance 0 [1] 0 [2] 0 [1] 0 [2] 0 [3]
Impaired loans, average recorded investment 188,461 [1] 190,547 [2] 199,532 [1] 193,879 [2]  
Impaired loans, interest income recognized 1,884 [1] 2,098 [2] 5,809 [1] 5,893 [2]  
Residential mortgage | Home equity [Member]          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 13,332 12,099 13,332 12,099 12,611
Impaired loans, recorded investment, total 11,992 11,064 11,992 11,064 11,519
Impaired loans, recorded investment with no related allowance 11,992 11,064 11,992 11,064 11,519
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 0
Impaired loans, average recorded investment 11,880 10,578 11,755 10,710  
Impaired loans, interest income recognized 0 0 0 0  
Personal          
Impaired loans [Abstract]          
Impaired loans, unpaid principal balance 290 724 290 724 332
Impaired loans, recorded investment, total 255 686 255 686 290
Impaired loans, recorded investment with no related allowance 255 686 255 686 290
Impaired loans, recorded investment with related allowance 0 0 0 0 0
Impaired loans, related allowance 0 0 0 0 $ 0
Impaired loans, average recorded investment 263 520 273 575  
Impaired loans, interest income recognized $ 0 $ 0 $ 0 $ 0  
[1] All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2017, $8.9 million of these loans were nonaccruing and $178 million were accruing based on the guarantee by U.S. government agencies.
[2] All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At September 30, 2016, $15 million of these loans were nonaccruing and $175 million were accruing based on the guarantee by U.S. government agencies.
[3] All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2016, $12 million of these loans were nonaccruing and $188 million were accruing based on the guarantee by U.S. government agencies.
v3.8.0.1
Loans and Allowances for Credit Losses, Troubled Debt Restructurings (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Dec. 31, 2016
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment $ 128,986 $ 126,126 $ 128,986 $ 126,126 $ 147,117
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 60,479 59,919 60,479 59,919 74,738
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 68,507 66,207 68,507 66,207 72,379
Troubled Debt Restructuring, Specific allowance 0 62 0 62 46
Troubled Debt Restructuring, Charge-offs 4,370 543 4,412 1,230  
Nonaccrual [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 59,546 45,820 59,546 45,820 65,747
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 45,531 30,899 45,531 30,899 47,449
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 14,015 14,921 14,015 14,921 18,298
Troubled Debt Restructuring, Specific allowance 0 62 0 62 46
Troubled Debt Restructuring, Charge-offs 4,370 543 4,412 1,230  
Nonaccrual [Member] | Commercial          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 32,381 13,192 32,381 13,192 36,879
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 29,679 9,620 29,679 9,620 29,225
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 2,702 3,572 2,702 3,572 7,654
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 4,329 500 4,332 1,057  
Nonaccrual [Member] | Commercial | Energy [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 9,582 1,746 9,582 1,746 16,893
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 9,506 0 9,506 0 10,867
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 76 1,746 76 1,746 6,026
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 4,322 500 4,322 1,000  
Nonaccrual [Member] | Commercial | Services [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 720 7,761 720 7,761 7,527
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 103 7,034 103 7,034 6,830
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 617 727 617 727 697
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 7 0 10 0  
Nonaccrual [Member] | Commercial | Wholesale/retail [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 1,802 2,327 1,802 2,327 11,291
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 0 2,287 0 2,287 11,251
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 1,802 40 1,802 40 40
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial | Manufacturing [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 180 238 180 238 224
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 180 238 180 238 224
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial | Healthcare [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 0 623 0 623 607
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 623 0 623 607
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial | Other commercial and industrial [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 20,097 497 20,097 497 337
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 19,890 61 19,890 61 53
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 207 436 207 436 284
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 57  
Nonaccrual [Member] | Commercial real estate          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 969 2,858 969 2,858 1,707
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 733 2,066 733 2,066 1,114
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 236 792 236 792 593
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Residential construction and land development [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 327 794 327 794 690
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 91 359 91 359 97
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 236 435 236 435 593
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Retail [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 289 1,249 289 1,249 326
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 289 892 289 892 326
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 357 0 357 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Office [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 0 149 0 149 143
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 0 149 0 149 143
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Multifamily [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 0 0 0 0 0
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Industrial [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 0 0 0 0 0
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Commercial real estate | Other commercial real estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 353 666 353 666 548
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 353 666 353 666 548
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 0 0 0 0 0
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Residential mortgage          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 25,991 29,497 25,991 29,497 26,924
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 14,924 18,942 14,924 18,942 16,874
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 11,067 10,555 11,067 10,555 10,050
Troubled Debt Restructuring, Specific allowance 0 62 0 62 46
Troubled Debt Restructuring, Charge-offs 39 34 70 155  
Nonaccrual [Member] | Residential mortgage | Permanent mortgage [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 14,765 16,109 14,765 16,109 14,876
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 10,188 11,944 10,188 11,944 10,175
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 4,577 4,165 4,577 4,165 4,701
Troubled Debt Restructuring, Specific allowance 0 62 0 62 46
Troubled Debt Restructuring, Charge-offs 0 0 0 2  
Nonaccrual [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 5,601 8,220 5,601 8,220 6,702
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 523 2,331 523 2,331 2,241
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 5,078 5,889 5,078 5,889 4,461
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 0 0 0 0  
Nonaccrual [Member] | Residential mortgage | Home equity [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 5,625 5,168 5,625 5,168 5,346
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 4,213 4,667 4,213 4,667 4,458
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 1,412 501 1,412 501 888
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 39 34 70 153  
Nonaccrual [Member] | Personal          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 205 273 205 273 237
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 195 271 195 271 236
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 10 2 10 2 1
Troubled Debt Restructuring, Specific allowance 0 0 0 0 0
Troubled Debt Restructuring, Charge-offs 2 9 10 18  
Accruing [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructuring, Recorded Investment 69,440 80,306 69,440 80,306 81,370
Troubled Debt Restructuring, Performing in Accordance With Modified Terms 14,948 29,020 14,948 29,020 27,289
Troubled Debt Restructuring, Not Performing in Accordance With Modified Terms 54,492 51,286 54,492 51,286 54,081
Troubled Debt Restructuring, Specific allowance 0 0 0 0 $ 0
Troubled Debt Restructuring, Charge-offs $ 0 $ 0 $ 0 $ 0  
v3.8.0.1
Loans and Allowances for Credit Losses, Troubled Debt Restructurings, Modifications (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period $ 11,148 $ 9,115 $ 52,853 $ 24,368
Troubled Debt Restructurings, Recorded Balance With Payment Default 34,906 20,899 57,294 23,030
Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 27,666 501
Troubled Debt Restructurings, Recorded Balance With Payment Default 7,857 1,746 29,407 1,746
Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 7,781 501
Troubled Debt Restructurings, Recorded Balance With Payment Default 7,857 1,746 9,582 1,746
Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 19,885 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 19,825 0
Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 11,084 9,096 25,139 23,785
Troubled Debt Restructurings, Recorded Balance With Payment Default 27,039 19,142 27,877 21,273
Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 1,475 151 1,712 2,088
Troubled Debt Restructurings, Recorded Balance With Payment Default 1,511 298 1,511 542
Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 9,140 8,025 21,855 20,019
Troubled Debt Restructurings, Recorded Balance With Payment Default 24,498 18,586 25,227 20,473
Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 469 920 1,572 1,678
Troubled Debt Restructurings, Recorded Balance With Payment Default 1,030 258 1,139 258
Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 4 19 48 82
Troubled Debt Restructurings, Recorded Balance With Payment Default 10 11 10 11
Accruing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,825 7,738 21,327 19,037
Troubled Debt Restructurings, Recorded Balance With Payment Default 23,620 17,491 24,349 19,352
Accruing [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,825 7,738 21,327 19,037
Troubled Debt Restructurings, Recorded Balance With Payment Default 23,620 17,491 24,349 19,352
Accruing [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,825 7,738 21,327 19,037
Troubled Debt Restructurings, Recorded Balance With Payment Default 23,620 17,491 24,349 19,352
Accruing [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Accruing [Member] | Payment Stream [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,205 3,527 18,678 9,687
Accruing [Member] | Payment Stream [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,205 3,527 18,678 9,687
Accruing [Member] | Payment Stream [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 8,205 3,527 18,678 9,687
Accruing [Member] | Payment Stream [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Payment Stream [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 620 4,211 2,649 9,350
Accruing [Member] | Combination & Other [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 620 4,211 2,649 9,350
Accruing [Member] | Combination & Other [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 620 4,211 2,649 9,350
Accruing [Member] | Combination & Other [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Accruing [Member] | Combination & Other [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 2,323 1,377 31,526 5,331
Troubled Debt Restructurings, Recorded Balance With Payment Default 11,286 3,408 32,945 3,678
Nonaccrual [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 27,666 501
Troubled Debt Restructurings, Recorded Balance With Payment Default 7,857 1,746 29,407 1,746
Nonaccrual [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 7,781 501
Troubled Debt Restructurings, Recorded Balance With Payment Default 7,857 1,746 9,582 1,746
Nonaccrual [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 19,885 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 19,825 0
Nonaccrual [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Troubled Debt Restructurings, Recorded Balance With Payment Default 0 0 0 0
Nonaccrual [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 2,259 1,358 3,812 4,748
Troubled Debt Restructurings, Recorded Balance With Payment Default 3,419 1,651 3,528 1,921
Nonaccrual [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 1,475 151 1,712 2,088
Troubled Debt Restructurings, Recorded Balance With Payment Default 1,511 298 1,511 542
Nonaccrual [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 315 287 528 982
Troubled Debt Restructurings, Recorded Balance With Payment Default 878 1,095 878 1,121
Nonaccrual [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 469 920 1,572 1,678
Troubled Debt Restructurings, Recorded Balance With Payment Default 1,030 258 1,139 258
Nonaccrual [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 4 19 48 82
Troubled Debt Restructurings, Recorded Balance With Payment Default 10 11 10 11
Nonaccrual [Member] | Payment Stream [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 1,284 0 28,306 1,586
Nonaccrual [Member] | Payment Stream [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 27,606 501
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 7,781 501
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 19,825 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Payment Stream [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 1,284 0 700 1,085
Nonaccrual [Member] | Payment Stream [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 969 0 153 1,037
Nonaccrual [Member] | Payment Stream [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 315 0 443 0
Nonaccrual [Member] | Payment Stream [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 104 48
Nonaccrual [Member] | Payment Stream [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 1,039 1,377 3,220 3,745
Nonaccrual [Member] | Combination & Other [Member] | Commercial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 60 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Energy [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Services [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Wholesale/retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Manufacturing [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Healthcare [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial | Other commercial and industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 60 0 60 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Residential construction and land development [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Retail [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Office [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Multifamily [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Industrial [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Commercial real estate | Other commercial real estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 0 0 0
Nonaccrual [Member] | Combination & Other [Member] | Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 975 1,358 3,112 3,663
Nonaccrual [Member] | Combination & Other [Member] | Residential mortgage | Permanent mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 506 151 1,559 1,051
Nonaccrual [Member] | Combination & Other [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 0 287 85 982
Nonaccrual [Member] | Combination & Other [Member] | Residential mortgage | Home equity [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period 469 920 1,468 1,630
Nonaccrual [Member] | Combination & Other [Member] | Personal        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled Debt Restructurings, Recorded Balance Modified During The Period $ 4 $ 19 $ 48 $ 82
v3.8.0.1
Loans and Allowances for Credit Losses, By Aging Category (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Financing receivable, recorded investment, aging [Abstract]      
Current $ 16,803,397 $ 16,597,641 $ 16,061,958
Nonaccrual 225,636 230,984 236,952
Total 17,206,834 16,989,660 16,464,786
Commercial      
Financing receivable, recorded investment, aging [Abstract]      
Current 10,606,851 10,205,838 9,926,386
Nonaccrual 176,900 178,953 176,464
Total 10,795,934 10,390,824 10,120,163
Commercial | Energy [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 2,752,259 2,364,890 2,365,850
Nonaccrual 110,683 132,499 142,966
Total 2,867,981 2,497,868 2,520,804
Commercial | Services [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 2,963,746 3,099,605 2,923,874
Nonaccrual 1,174 8,173 8,477
Total 2,967,513 3,108,990 2,936,599
Commercial | Wholesale/retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 1,654,018 1,561,650 1,599,356
Nonaccrual 1,893 11,407 2,453
Total 1,658,098 1,576,818 1,602,030
Commercial | Manufacturing [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 508,231 509,662 499,212
Nonaccrual 9,059 4,931 274
Total 519,446 514,975 499,486
Commercial | Healthcare [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 2,214,849 2,201,050 2,083,556
Nonaccrual 24,446 825 855
Total 2,239,451 2,201,916 2,085,046
Commercial | Other commercial and industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 513,748 468,981 454,538
Nonaccrual 29,645 21,118 21,439
Total 543,445 490,257 476,198
Commercial real estate      
Financing receivable, recorded investment, aging [Abstract]      
Current 3,513,942 3,803,519 3,777,344
Nonaccrual 2,975 5,521 7,350
Total 3,518,142 3,809,046 3,793,598
Commercial real estate | Residential construction and land development [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 109,994 132,100 156,207
Nonaccrual 1,924 3,433 3,739
Total 112,102 135,533 159,946
Commercial real estate | Retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 724,850 761,562 796,362
Nonaccrual 289 326 1,249
Total 725,865 761,888 801,377
Commercial real estate | Office [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 796,687 798,462 751,823
Nonaccrual 275 426 882
Total 797,089 798,888 752,705
Commercial real estate | Multifamily [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 999,009 903,234 868,591
Nonaccrual 0 38 51
Total 999,009 903,272 873,773
Commercial real estate | Industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 591,080 871,673 837,945
Nonaccrual 0 76 76
Total 591,080 871,749 838,021
Commercial real estate | Other commercial real estate [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 292,322 336,488 366,416
Nonaccrual 487 1,222 1,353
Total 292,997 337,716 367,776
Residential mortgage      
Financing receivable, recorded investment, aging [Abstract]      
Current 1,739,236 1,749,473 1,681,034
Nonaccrual 45,506 46,220 52,452
Total 1,945,750 1,949,832 1,872,793
Residential mortgage | Permanent mortgage [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 985,183 979,386 939,853
Nonaccrual 24,623 22,855 25,956
Total 1,013,965 1,006,820 969,558
Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 25,169 40,594 41,150
Nonaccrual 8,891 11,846 15,432
Total 187,370 199,387 190,309
Residential mortgage | Home equity [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Current 728,884 729,493 700,031
Nonaccrual 11,992 11,519 11,064
Total 744,415 743,625 712,926
Personal      
Financing receivable, recorded investment, aging [Abstract]      
Current 943,368 838,811 677,194
Nonaccrual 255 290 686
Total 947,008 839,958 678,232
30 to 59 Days [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 32,750 28,603 39,781
30 to 59 Days [Member] | Commercial      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 4,299 4,968 13,380
30 to 59 Days [Member] | Commercial | Energy [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 479 11,988
30 to 59 Days [Member] | Commercial | Services [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 2,343 191 502
30 to 59 Days [Member] | Commercial | Wholesale/retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 1,748 3,761 221
30 to 59 Days [Member] | Commercial | Manufacturing [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 382 0
30 to 59 Days [Member] | Commercial | Healthcare [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 156 0 635
30 to 59 Days [Member] | Commercial | Other commercial and industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 52 155 34
30 to 59 Days [Member] | Commercial real estate      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 1,038 6 3,773
30 to 59 Days [Member] | Commercial real estate | Residential construction and land development [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 184 0 0
30 to 59 Days [Member] | Commercial real estate | Retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 726 0 3,766
30 to 59 Days [Member] | Commercial real estate | Office [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 127 0 0
30 to 59 Days [Member] | Commercial real estate | Multifamily [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
30 to 59 Days [Member] | Commercial real estate | Industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
30 to 59 Days [Member] | Commercial real estate | Other commercial real estate [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 1 6 7
30 to 59 Days [Member] | Residential mortgage      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 24,117 23,040 22,437
30 to 59 Days [Member] | Residential mortgage | Permanent mortgage [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 3,705 3,299 3,547
30 to 59 Days [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 17,346 17,465 17,364
30 to 59 Days [Member] | Residential mortgage | Home equity [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 3,066 2,276 1,526
30 to 59 Days [Member] | Personal      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 3,296 589 191
60 to 89 Days [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 22,177 16,748 18,856
60 to 89 Days [Member] | Commercial      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 7,854 1,065 107
60 to 89 Days [Member] | Commercial | Energy [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 5,039 0 0
60 to 89 Days [Member] | Commercial | Services [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 250 1,021 39
60 to 89 Days [Member] | Commercial | Wholesale/retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 409 0 0
60 to 89 Days [Member] | Commercial | Manufacturing [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 2,156 0 0
60 to 89 Days [Member] | Commercial | Healthcare [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 41 0
60 to 89 Days [Member] | Commercial | Other commercial and industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 3 68
60 to 89 Days [Member] | Commercial real estate      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 5,131
60 to 89 Days [Member] | Commercial real estate | Residential construction and land development [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
60 to 89 Days [Member] | Commercial real estate | Retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
60 to 89 Days [Member] | Commercial real estate | Office [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
60 to 89 Days [Member] | Commercial real estate | Multifamily [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 5,131
60 to 89 Days [Member] | Commercial real estate | Industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
60 to 89 Days [Member] | Commercial real estate | Other commercial real estate [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
60 to 89 Days [Member] | Residential mortgage      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 14,242 15,420 13,470
60 to 89 Days [Member] | Residential mortgage | Permanent mortgage [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 454 1,280 202
60 to 89 Days [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 13,343 13,803 12,963
60 to 89 Days [Member] | Residential mortgage | Home equity [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 445 337 305
60 to 89 Days [Member] | Personal      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 81 263 148
90 Days or More [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 122,874 115,684 107,239
90 Days or More [Member] | Commercial      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 30 0 3,826
90 Days or More [Member] | Commercial | Energy [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial | Services [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 3,707
90 Days or More [Member] | Commercial | Wholesale/retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 30 0 0
90 Days or More [Member] | Commercial | Manufacturing [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial | Healthcare [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial | Other commercial and industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 119
90 Days or More [Member] | Commercial real estate      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 187 0 0
90 Days or More [Member] | Commercial real estate | Residential construction and land development [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial real estate | Retail [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial real estate | Office [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial real estate | Multifamily [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial real estate | Industrial [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Commercial real estate | Other commercial real estate [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 187 0 0
90 Days or More [Member] | Residential mortgage      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 122,649 115,679 103,400
90 Days or More [Member] | Residential mortgage | Permanent mortgage [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 0 0 0
90 Days or More [Member] | Residential mortgage | Permanent mortgages guaranteed by US government agencies [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 122,621 115,679 103,400
90 Days or More [Member] | Residential mortgage | Home equity [Member]      
Financing receivable, recorded investment, aging [Abstract]      
Past Due 28 0 0
90 Days or More [Member] | Personal      
Financing receivable, recorded investment, aging [Abstract]      
Past Due $ 8 $ 5 $ 13
v3.8.0.1
Acquisitions (Details) - MBT Bancshares [Member] - USD ($)
$ in Thousands
9 Months Ended
Dec. 01, 2016
Sep. 30, 2017
Business Acquisition [Line Items]    
Business Acquisition, Effective Date of Acquisition Dec. 01, 2016  
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net $ 102,500  
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Intangibles   $ 2,000
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Property, Plant, and Equipment   1,500
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Goodwill   $ 526
v3.8.0.1
Mortgage Banking Activities, Components of Loans Held For Sale (Details) - USD ($)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Dec. 31, 2016
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
Number of days for past due for loan to be considered nonperforming (in days) 90 days 90 days 90 days
Residential mortgage loans held for sale, nonperforming $ 0 $ 0 $ 0
Credit losses recognized on residential mortgage loans held for sale 0 0 0
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Unpaid principal balance 261,868 422,523 286,414
Residential mortgage loans held for sale, Fair value 265,783 433,040 286,971
Total residential mortgage loans held for sale and mortgage loan commitments, net of forward sales contracts $ 275,643 $ 447,592 $ 301,897
Residential Mortgage Loan Commitments [Member] | Not Designated as Hedging Instrument [Member]      
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
General number of days outstanding for residential mortgage commitments, minimum (in days) 60 days 60 days 60 days
General number of days outstanding for residential mortgage commitments, maximum (in days) 90 days 90 days 90 days
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Notional $ 334,337 $ 630,804 $ 318,359
Derivative, Net fair value $ 9,066 $ 18,598 $ 9,733
Forward sales contracts [Member] | Not Designated as Hedging Instrument [Member]      
Schedule of Residential Mortgage Loans Held For Sale [Line Items]      
General number of days for delivery of loans, for which the price is set by forward sales contracts, minimum (in days) 60 days 60 days 60 days
General number of days for delivery for loans, for which the price is set by forward sales contracts, maximum (in days) 90 days 90 days 90 days
Components of Residential Mortgage Loans Held for Sale [Abstract]      
Notional $ 524,878 $ 929,907 $ 569,543
Derivative, Net fair value $ 794 $ (4,046) $ 5,193
v3.8.0.1
Mortgage Banking Activities Mortgage Banking Activities, Mortgage Banking Revenue (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Mortgage Banking Revenue [Abstract]        
Net realized gains on sale of mortgage loans $ 12,041 $ 23,110 $ 32,443 $ 47,424
Net change in unrealized gain on mortgage loans held for sale (1,492) (2,518) 3,335 4,649
Net change in the fair value of mortgage loan commitments (1,927) (6,901) (667) 10,464
Net change in the fair value of forward sales contracts (293) 8,267 (4,399) (4,846)
Total production revenue 8,329 21,958 30,712 57,691
Servicing revenue 16,561 16,558 49,645 47,809
Total mortgage banking revenue $ 24,890 $ 38,516 $ 80,357 $ 105,500
v3.8.0.1
Mortgage Banking Activities, Mortgage Servicing Rights (Details)
3 Months Ended 9 Months Ended
Sep. 30, 2017
USD ($)
Dec. 31, 2016
USD ($)
Sep. 30, 2016
USD ($)
Sep. 30, 2017
USD ($)
Sep. 30, 2016
USD ($)
Summary of Mortgage Servicing Rights [Abstract]          
Number of residential mortgage loans serviced for others 137,359 139,340 139,587 137,359 139,587
Outstanding principal balance of residential mortgage loans serviced for others $ 22,063,121,000 $ 21,997,568,000 $ 21,851,536,000 $ 22,063,121,000 $ 21,851,536,000
Weighted average interest rate 3.95% 3.97% 4.01% 3.95% 4.01%
Remaining term (in months) 298 301 302    
Servicing Asset at Fair Value, Amount [Roll Forward]          
Beginning balance $ 245,239,000 $ 203,621,000 $ 190,747,000 $ 247,073,000 $ 218,605,000
Additions, net 9,925,000   21,990,000 29,439,000 56,345,000
Change in fair value due to principal payments (8,667,000)   (11,443,000) (24,928,000) (29,385,000)
Change in fair value due to market assumption changes (639,000)   2,327,000 (5,726,000) (41,944,000)
Ending balance $ 245,858,000 $ 247,073,000 $ 203,621,000 $ 245,858,000 $ 203,621,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]          
Discount rate - risk-free rate plus a market premium (in hundredths) 9.84% 10.08% 10.08%    
Prepayment rate - based upon loan interest rate, original term and loan type, minimum 8.71% 8.98% 9.16%    
Prepayment rate - based upon loan interest rate, original term and loan type, maximum 15.43% 16.91% 47.15%    
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 65 $ 63 $ 63    
Loan servicing costs - annually per loan based upon loan type, performing, maximum (in dollars per loan) 120 120 120    
Loan servicing costs - annually per loan based upon loan type, delinquent, minimum (in dollars per loan) 150 150 150    
Loan servicing costs - annually per loan based upon loan type, delinquent, maximum (in dollars per loan) 500 500 500    
Loan servicing costs - annually per loan based upon loan type, foreclosure, minimum (in dollars per loan) 1,000 650 650    
Loan servicing costs - annually per loan based upon loan type, foreclosure, maximum (in dollars per loan) $ 4,250 $ 4,250 $ 4,250    
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life (in hundredths) 2.00% 1.98% 1.18%    
Primary secondary mortgage rate spread (in basis points) 105 105 115 105 115
Purchased [Member]          
Servicing Asset at Fair Value, Amount [Roll Forward]          
Beginning balance $ 7,995,000 $ 3,565,000 $ 4,067,000 $ 8,909,000 $ 9,911,000
Additions, net 0   0 0 0
Change in fair value due to principal payments (470,000)   (753,000) (1,443,000) (2,109,000)
Change in fair value due to market assumption changes 303,000   251,000 362,000 (4,237,000)
Ending balance 7,828,000 8,909,000 3,565,000 7,828,000 3,565,000
Originated [Member]          
Servicing Asset at Fair Value, Amount [Roll Forward]          
Beginning balance 237,244,000 200,056,000 186,680,000 238,164,000 208,694,000
Additions, net 9,925,000   21,990,000 29,439,000 56,345,000
Change in fair value due to principal payments (8,197,000)   (10,690,000) (23,485,000) (27,276,000)
Change in fair value due to market assumption changes (942,000)   2,076,000 (6,088,000) (37,707,000)
Ending balance $ 238,030,000 $ 238,164,000 $ 200,056,000 $ 238,030,000 $ 200,056,000
v3.8.0.1
Mortgage Banking Activities Mortgage Banking Activities, Loans Serviced for Others (Details)
$ in Thousands
Sep. 30, 2017
USD ($)
Financing Receivable, Recorded Investment, Aging [Abstract]  
Current $ 21,535,339
30 to 59 Days Past Due 373,605
60 to 89 Days Past Due 84,324
90 Days or More Past Due 69,853
Total 22,063,121
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]  
Financing Receivable, Recorded Investment, Aging [Abstract]  
Current 8,021,016
30 to 59 Days Past Due 78,542
60 to 89 Days Past Due 13,100
90 Days or More Past Due 26,171
Total 8,138,829
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]  
Financing Receivable, Recorded Investment, Aging [Abstract]  
Current 6,635,428
30 to 59 Days Past Due 76,065
60 to 89 Days Past Due 10,398
90 Days or More Past Due 20,596
Total 6,742,487
Government National Mortgage Association Certificates and Obligations (GNMA) [Member]  
Financing Receivable, Recorded Investment, Aging [Abstract]  
Current 6,376,127
30 to 59 Days Past Due 215,506
60 to 89 Days Past Due 59,659
90 Days or More Past Due 20,925
Total 6,672,217
Other Investor Loans [Member]  
Financing Receivable, Recorded Investment, Aging [Abstract]  
Current 502,768
30 to 59 Days Past Due 3,492
60 to 89 Days Past Due 1,167
90 Days or More Past Due 2,161
Total $ 509,588
v3.8.0.1
Commitments and Contingent Liabilities (Details)
9 Months Ended
Sep. 30, 2017
USD ($)
shares
BOKF Equity, LLC [Member]  
Litigation Settlement [Abstract]  
Number of Private Equity Funds of which the Entity is a General Partner 2
Contingent Obligations For Additional Investments in Private Equity Funds $ 3,400,000
Cavanal Hill Funds [Member]  
Litigation Settlement [Abstract]  
The Net Asset Value of Units in Mutual Funds (per unit) 1.00
Judicial Ruling [Member] | Misuse of Revenues Pledged to Municipal Bonds [Member]  
Litigation Settlement [Abstract]  
Outstanding principal, accrued interest and other amounts required by bond documents $ 48,000,000
Disgorged fees 1,067,721
Litigation Settlement, Amount Awarded to Other Party $ 600,000
Pending Litigation [Member] | Misuse of Revenues Pledged to Municipal Bonds [Member]  
Litigation Settlement [Abstract]  
Loss Contingency, Number of Plaintiffs 2
Pending Litigation [Member] | Bank Participation in Fraudulent Sale of Securities by Principals [Member]  
Litigation Settlement [Abstract]  
Loss Contingency, Number of Plaintiffs 19
Pending Litigation [Member] | Purchase of facilities from principals subject to SEC New Jersey proceedings [Member]  
Litigation Settlement [Abstract]  
Outstanding principal, accrued interest and other amounts required by bond documents $ 60,000,000
Number of individuals who purchased facilities from the principals subject to SEC New Jersey proceedings 2
Number of principals in SEC New Jersey proceedings 2
Pending Litigation [Member] | Ownership of deposit accounts [Member]  
Litigation Settlement [Abstract]  
Loss Contingency, Number of Plaintiffs 2
Amount paid by the bank from creditor accounts to judgment creditor $ 4,200,000
Loss Contingency, Damages Sought, Value 7,000,000
Settled Litigation [Member] | County of Bernalillo [Member] [Domain]  
Litigation Settlement [Abstract]  
Loss Contingency, Damages Sought, Value $ 5,600,000
Visa Membership [Member]  
Loss Contingencies [Line Items]  
Number of Visa Class B Shares Owned by Entity (in shares) | shares 252,233
Number of Visa Class A Shares Visa Class B Shares Are Convertible To (in shares) | shares 415,755
v3.8.0.1
Commitments and Contingent Liabilities Variable Interest Entities (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Loans Receivable [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net $ 10,000 $ 10,000 $ 10,000
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 65,247 44,488 39,849
Loans Receivable [Member] | Private equity funds [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Loans Receivable [Member] | Tax credit entities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 10,000 10,000 10,000
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 65,247 44,488 39,849
Loans Receivable [Member] | Other [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Other Assets [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 42,358 58,725 61,138
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 177,941 175,390 159,987
Other Assets [Member] | Private equity funds [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 15,621 17,357 18,420
Other Assets [Member] | Tax credit entities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 11,119 11,585 11,740
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 145,479 143,715 129,715
Other Assets [Member] | Other [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 15,618 29,783 30,978
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 32,462 31,675 30,272
Other Liabilities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 1,588 3,189 2,346
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 75,021 78,357 70,679
Other Liabilities [Member] | Private equity funds [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Other Liabilities [Member] | Tax credit entities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 61,364 63,329 57,026
Other Liabilities [Member] | Other [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 1,588 3,189 2,346
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 13,657 15,028 13,653
Other borrowings [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 14,067 12,056 12,027
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Other borrowings [Member] | Private equity funds [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Other borrowings [Member] | Tax credit entities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 10,963 10,964 10,964
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Other borrowings [Member] | Other [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 3,104 1,092 1,063
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Non-Controlling Interests [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 25,625 31,503 34,100
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Non-Controlling Interests [Member] | Private equity funds [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 12,806 13,237 15,946
Non-Controlling Interests [Member] | Tax credit entities [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 10,000 10,000 10,000
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net 0 0 0
Non-Controlling Interests [Member] | Other [Member]      
Variable Interest Entity [Line Items]      
Variable Interest Entity, Consolidated, Carrying Amount, Assets and Liabilities, Net 2,819 8,266 8,154
Variable Interest Entity, Nonconsolidated, Carrying Amount, Assets and Liabilities, Net $ 0 $ 0 $ 0
v3.8.0.1
Shareholders' Equity (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended
Oct. 31, 2017
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Dividends declared (in dollars per share)   $ 0.44 $ 0.43 $ 1.32 $ 1.29
Schedule of Accumulated Other Income (Loss) [Abstract]          
Balance, Beginning of Period       $ (10,967) $ 21,587
Net change in unrealized gain (loss)   $ 512 $ (33,458) 33,881 133,108
Reclassification adjustments included in earnings:          
Interest revenue, Investment securities, Taxable securities   0 0 0 (112)
Gain on available for sale securities, net   (2,487) (2,394) (4,916) (11,684)
Other comprehensive income (loss), before income taxes   (1,975) (35,852) 28,965 121,312
Federal and state income taxes   (768) (13,947) 11,241 [1] 47,172 [1]
Other comprehensive income (loss), net of income taxes   (1,207) (21,905) 17,724 74,140
Balance, End of Period   6,757 95,727 6,757 95,727
Accumulated Net Unrealized Gain (Loss) on Available for Sale Securities [Member]          
Schedule of Accumulated Other Income (Loss) [Abstract]          
Balance, Beginning of Period       (9,087) 23,284
Net change in unrealized gain (loss)       33,876 133,108
Reclassification adjustments included in earnings:          
Interest revenue, Investment securities, Taxable securities         0
Gain on available for sale securities, net       (4,916) (11,684)
Other comprehensive income (loss), before income taxes       28,960 121,424
Federal and state income taxes [1]       11,239 47,216
Other comprehensive income (loss), net of income taxes       17,721 74,208
Balance, End of Period   8,634 97,492 8,634 97,492
Accumulated Unrealized Gain on Investment Securities Transferred from AFS [Member]          
Schedule of Accumulated Other Income (Loss) [Abstract]          
Balance, Beginning of Period       0 68
Net change in unrealized gain (loss)       0 0
Reclassification adjustments included in earnings:          
Interest revenue, Investment securities, Taxable securities         (112)
Gain on available for sale securities, net       0 0
Other comprehensive income (loss), before income taxes       0 (112)
Federal and state income taxes [1]       (44)
Other comprehensive income (loss), net of income taxes       0 (68)
Balance, End of Period   0 0 0 0
Accumulated Unrealized Gain (Loss) on Employee Benefit Plans [Member]          
Schedule of Accumulated Other Income (Loss) [Abstract]          
Balance, Beginning of Period       (1,880) (1,765)
Net change in unrealized gain (loss)       5 0
Reclassification adjustments included in earnings:          
Interest revenue, Investment securities, Taxable securities         0
Gain on available for sale securities, net       0 0
Other comprehensive income (loss), before income taxes       5 0
Federal and state income taxes [1]       2 0
Other comprehensive income (loss), net of income taxes       3 0
Balance, End of Period   (1,877) $ (1,765) (1,877) $ (1,765)
Subsequent Event [Member]          
Dividends Payable, Date Declared Oct. 31, 2017        
Dividends declared (in dollars per share) $ 0.45        
Dividends Payable, Date to be Paid Nov. 27, 2017        
Dividends Payable, Date of Record Nov. 13, 2017        
Perpetual Preferred, Equity Securities and Mutual Funds [Member] | Accumulated Net Unrealized Gain (Loss) on Available for Sale Securities [Member]          
Reclassification adjustments included in earnings:          
Balance, End of Period   $ 2,200   $ 2,200  
[1] Calculated using a 39 percent effective tax rate.
v3.8.0.1
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Numerator: [Abstract]        
Net income attributable to BOK Financial Corp. shareholders $ 85,649 $ 74,277 $ 262,152 $ 182,642
Less: Earnings allocated to participating securities 888 916 2,817 2,275
Numerator for basic earnings per share – income available to common shareholders 84,761 73,361 259,335 180,367
Effect of reallocating undistributed earnings of participating securities 1 1 2 1
Numerator for diluted earnings per share – income available to common shareholders $ 84,762 $ 73,362 $ 259,337 $ 180,368
Denominator: [Abstract]        
Weighted average shares outstanding (in shares) 65,423,258 65,895,430 65,432,313 66,031,497
Less: Participating securities included in weighted average shares (in shares) 680,436 810,038 702,922 822,723
Denominator for basic earnings per common share (in shares) 64,742,822 65,085,392 64,729,391 65,208,774
Dilutive effect of employee stock compensation plans (in shares) 62,350 72,449 64,502 54,792
Denominator for diluted earnings per common share (in shares) 64,805,172 65,157,841 64,793,893 65,263,566
Basic earnings per share (per share) $ 1.31 $ 1.13 $ 4.01 $ 2.77
Diluted earnings per share (per share) $ 1.31 $ 1.13 $ 4.00 $ 2.76
Excludes employee stock options with exercise prices greater than current market price. 0 0 0 0
v3.8.0.1
Reportable Segments (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Segment Reporting Information [Line Items]        
NIR (expense) from external sources $ 218,452 $ 187,846 $ 624,838 $ 553,030
NIR (expense) from internal sources 0 0 0 0
Net interest revenue 218,452 187,846 624,838 553,030
Provision for credit losses 0 10,000 0 65,000
Net interest revenue after provision for credit losses 218,452 177,846 624,838 488,030
Other operating revenue 175,710 187,310 528,258 530,266
Other operating expense 265,934 258,088 761,530 752,043
Net direct contribution 128,228 107,068 391,566 266,253
Gain (loss) on financial instruments, net 0 0 0 0
Change in fair value of mortgage servicing rights 0 0 0 0
Gain (loss) on repossessed assets, net 0 0 0 0
Corporate expense allocations 0 0 0 0
Net income before taxes 128,228 107,068 391,566 266,253
Federal and state income taxes 42,438 31,956 128,246 83,881
Net income 85,790 75,112 263,320 182,372
Net income (loss) attributable to non-controlling interests 141 835 1,168 (270)
Net income attributable to BOK Financial Corp. shareholders 85,649 74,277 262,152 182,642
Average assets 33,008,170 32,646,473 32,777,438 32,049,183
Operating Segments [Member] | Commercial [Member]        
Segment Reporting Information [Line Items]        
NIR (expense) from external sources 157,080 123,599 435,946 358,713
NIR (expense) from internal sources (24,173) (15,052) (61,803) (44,259)
Net interest revenue 132,907 108,547 374,143 314,454
Provision for credit losses 3,217 5,601 2,983 34,024
Net interest revenue after provision for credit losses 129,690 102,946 371,160 280,430
Other operating revenue 54,091 49,642 156,139 146,248
Other operating expense 56,952 53,375 168,517 162,039
Net direct contribution 126,829 99,213 358,782 264,639
Gain (loss) on financial instruments, net 4 0 46 0
Change in fair value of mortgage servicing rights 0 0 0 0
Gain (loss) on repossessed assets, net (4,126) 1,486 (2,728) 806
Corporate expense allocations 8,650 9,054 26,144 26,681
Net income before taxes 114,057 91,645 329,956 238,764
Federal and state income taxes 44,368 35,650 128,353 92,879
Net income 69,689 55,995 201,603 145,885
Net income (loss) attributable to non-controlling interests 0 0 0 0
Net income attributable to BOK Financial Corp. shareholders 69,689 55,995 201,603 145,885
Average assets 17,558,390 16,934,587 17,525,658 16,958,999
Operating Segments [Member] | Consumer [Member]        
Segment Reporting Information [Line Items]        
NIR (expense) from external sources 25,576 22,098 70,208 65,897
NIR (expense) from internal sources 12,213 9,263 35,002 27,492
Net interest revenue 37,789 31,361 105,210 93,389
Provision for credit losses 1,315 1,157 3,512 4,177
Net interest revenue after provision for credit losses 36,474 30,204 101,698 89,212
Other operating revenue 47,033 60,603 146,440 172,072
Other operating expense 56,785 60,964 166,027 179,487
Net direct contribution 26,722 29,843 82,111 81,797
Gain (loss) on financial instruments, net 1,686 (1,087) 5,242 30,539
Change in fair value of mortgage servicing rights (639) 2,327 (5,726) (41,944)
Gain (loss) on repossessed assets, net 292 161 253 566
Corporate expense allocations 17,039 16,905 50,947 49,513
Net income before taxes 11,022 14,339 30,933 21,445
Federal and state income taxes 4,288 5,578 12,033 8,342
Net income 6,734 8,761 18,900 13,103
Net income (loss) attributable to non-controlling interests 0 0 0 0
Net income attributable to BOK Financial Corp. shareholders 6,734 8,761 18,900 13,103
Average assets 9,115,319 8,827,816 8,871,470 8,763,564
Operating Segments [Member] | Wealth Management [Member]        
Segment Reporting Information [Line Items]        
NIR (expense) from external sources 11,169 9,274 33,130 21,620
NIR (expense) from internal sources 9,604 7,401 28,784 22,258
Net interest revenue 20,773 16,675 61,914 43,878
Provision for credit losses (623) (89) (676) (479)
Net interest revenue after provision for credit losses 21,396 16,764 62,590 44,357
Other operating revenue 75,707 73,523 225,434 218,042
Other operating expense 61,791 64,426 182,816 186,524
Net direct contribution 35,312 25,861 105,208 75,875
Gain (loss) on financial instruments, net 0 (42) 0 (42)
Change in fair value of mortgage servicing rights 0 0 0 0
Gain (loss) on repossessed assets, net 0 0 0 0
Corporate expense allocations 9,819 10,912 30,438 31,864
Net income before taxes 25,493 14,907 74,770 43,969
Federal and state income taxes 9,917 5,799 29,086 17,104
Net income 15,576 9,108 45,684 26,865
Net income (loss) attributable to non-controlling interests 0 0 0 0
Net income attributable to BOK Financial Corp. shareholders 15,576 9,108 45,684 26,865
Average assets 6,992,021 6,413,735 6,971,369 5,916,545
Funds Management and Other [Member]        
Segment Reporting Information [Line Items]        
NIR (expense) from external sources 24,627 32,875 85,554 106,800
NIR (expense) from internal sources 2,356 (1,612) (1,983) (5,491)
Net interest revenue 26,983 31,263 83,571 101,309
Provision for credit losses (3,909) 3,331 (5,819) 27,278
Net interest revenue after provision for credit losses 30,892 27,932 89,390 74,031
Other operating revenue (1,121) 3,542 245 (6,096)
Other operating expense 90,406 79,323 244,170 223,993
Net direct contribution (60,635) (47,849) (154,535) (156,058)
Gain (loss) on financial instruments, net (1,690) 1,129 (5,288) (30,497)
Change in fair value of mortgage servicing rights 639 (2,327) 5,726 41,944
Gain (loss) on repossessed assets, net 3,834 (1,647) 2,475 (1,372)
Corporate expense allocations (35,508) (36,871) (107,529) (108,058)
Net income before taxes (22,344) (13,823) (44,093) (37,925)
Federal and state income taxes (16,135) (15,071) (41,226) (34,444)
Net income (6,209) 1,248 (2,867) (3,481)
Net income (loss) attributable to non-controlling interests 141 835 1,168 (270)
Net income attributable to BOK Financial Corp. shareholders (6,350) 413 (4,035) (3,211)
Average assets $ (657,560) $ 470,335 $ (591,059) $ 410,075
v3.8.0.1
Fair Value Measurements, Fair Value Of Financial Instruments as Measured On a Recurring Basis (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Jun. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Dec. 31, 2015
Assets: [Abstract]            
Trading securities $ 614,117   $ 337,628 $ 546,615    
Available for sale securities 8,383,199   8,676,829 8,862,283    
Fair value option securities 819,531   77,046 222,409    
Mortgage servicing rights 245,858 $ 245,239 247,073 203,621 $ 190,747 $ 218,605
Derviative contracts, net of cash collateral, Assets, Fair value 352,559   689,872 655,078    
Liabilities: [Abstract]            
Derivative contracts, net of cash collateral, Liabilities, Fair Value 336,327   664,531 573,987    
U.S. government agency debentures            
Assets: [Abstract]            
Trading securities 30,162   6,234 15,705    
U.S. government agency residential mortgage-backed securities            
Assets: [Abstract]            
Trading securities 516,760   310,067 464,749    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Municipal and other tax-exempt securities            
Assets: [Abstract]            
Trading securities 56,148   14,427 54,856    
Available for sale securities 28,368   40,993 42,092    
Other trading securities            
Assets: [Abstract]            
Trading securities 11,047   6,900 11,305    
U.S. Treasury            
Assets: [Abstract]            
Available for sale securities 999   999 1,002    
Fair value option securities 0   0 222,409    
Privately issued residential mortgage-backed securities            
Assets: [Abstract]            
Available for sale securities 99,994   115,535 121,603    
Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Assets: [Abstract]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Other debt securities            
Assets: [Abstract]            
Available for sale securities 4,153   4,152 4,151    
Perpetual preferred stock            
Assets: [Abstract]            
Available for sale securities 16,245   18,474 19,578    
Equity securities and mutual funds            
Assets: [Abstract]            
Available for sale securities 17,710   18,357 18,690    
Fair Value, Measurements, Recurring [Member]            
Assets: [Abstract]            
Trading securities 614,117   337,628 546,615    
Available for sale securities 8,383,199   8,676,829 8,862,283    
Fair value option securities       222,409    
Residential mortgage loans held for sale 275,643   301,897 447,592    
Mortgage servicing rights 245,858 [1]   247,073 [2] 203,621 [3]    
Derviative contracts, net of cash collateral, Assets, Fair value 352,559 [4]   689,872 [5] 655,078 [6]    
Liabilities: [Abstract]            
Derivative contracts, net of cash collateral, Liabilities, Fair Value 336,327 [4]   664,531 [5] 573,987 [6]    
Fair Value, Measurements, Recurring [Member] | U.S. government agency debentures            
Assets: [Abstract]            
Trading securities 30,162   6,234 15,705    
Fair Value, Measurements, Recurring [Member] | U.S. government agency residential mortgage-backed securities            
Assets: [Abstract]            
Trading securities 516,760   310,067 464,749    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Fair Value, Measurements, Recurring [Member] | Municipal and other tax-exempt securities            
Assets: [Abstract]            
Trading securities 56,148   14,427 54,856    
Available for sale securities 28,368   40,993 42,092    
Fair Value, Measurements, Recurring [Member] | Other trading securities            
Assets: [Abstract]            
Trading securities 11,047   6,900 11,305    
Fair Value, Measurements, Recurring [Member] | U.S. Treasury            
Assets: [Abstract]            
Available for sale securities 999   999 1,002    
Fair value option securities       222,409    
Fair Value, Measurements, Recurring [Member] | Privately issued residential mortgage-backed securities            
Assets: [Abstract]            
Available for sale securities 99,994   115,535 121,603    
Fair Value, Measurements, Recurring [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Assets: [Abstract]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Fair Value, Measurements, Recurring [Member] | Other debt securities            
Assets: [Abstract]            
Available for sale securities 4,153   4,152 4,151    
Fair Value, Measurements, Recurring [Member] | Perpetual preferred stock            
Assets: [Abstract]            
Available for sale securities 16,245   18,474 19,578    
Fair Value, Measurements, Recurring [Member] | Equity securities and mutual funds            
Assets: [Abstract]            
Available for sale securities 17,710   18,357 18,690    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 3,577   4,494 4,546    
Fair value option securities       222,409    
Residential mortgage loans held for sale 0   0 0    
Mortgage servicing rights 0 [1]   0 [2] 0 [3]    
Derviative contracts, net of cash collateral, Assets, Fair value 8,498 [4]   7,541 [5] 5,575 [6]    
Liabilities: [Abstract]            
Derivative contracts, net of cash collateral, Liabilities, Fair Value 6,903 [4]   6,972 [5] 1,308 [6]    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. government agency debentures            
Assets: [Abstract]            
Trading securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. government agency residential mortgage-backed securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 0   0 0    
Fair value option securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Municipal and other tax-exempt securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Other trading securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. Treasury            
Assets: [Abstract]            
Available for sale securities 999   999 1,002    
Fair value option securities       222,409    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Privately issued residential mortgage-backed securities            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Other debt securities            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Perpetual preferred stock            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Equity securities and mutual funds            
Assets: [Abstract]            
Available for sale securities 2,578   3,495 3,544    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]            
Assets: [Abstract]            
Trading securities 614,117   337,628 546,615    
Available for sale securities 8,370,684   8,662,394 8,847,873    
Fair value option securities       0    
Residential mortgage loans held for sale 263,543   290,280 438,291    
Mortgage servicing rights 0 [1]   0 [2] 0 [3]    
Derviative contracts, net of cash collateral, Assets, Fair value 344,061 [4]   682,331 [5] 649,503 [6]    
Liabilities: [Abstract]            
Derivative contracts, net of cash collateral, Liabilities, Fair Value 329,424 [4]   657,559 [5] 572,679 [6]    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. government agency debentures            
Assets: [Abstract]            
Trading securities 30,162   6,234 15,705    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. government agency residential mortgage-backed securities            
Assets: [Abstract]            
Trading securities 516,760   310,067 464,749    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal and other tax-exempt securities            
Assets: [Abstract]            
Trading securities 56,148   14,427 54,856    
Available for sale securities 23,583   35,204 36,379    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Other trading securities            
Assets: [Abstract]            
Trading securities 11,047   6,900 11,305    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. Treasury            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair value option securities       0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Privately issued residential mortgage-backed securities            
Assets: [Abstract]            
Available for sale securities 99,994   115,535 121,603    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Assets: [Abstract]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Other debt securities            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Perpetual preferred stock            
Assets: [Abstract]            
Available for sale securities 16,245   18,474 19,578    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Equity securities and mutual funds            
Assets: [Abstract]            
Available for sale securities 15,132   14,862 15,146    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 8,938   9,941 9,864    
Fair value option securities       0    
Residential mortgage loans held for sale 12,100   11,617 9,301    
Mortgage servicing rights 245,858 [1]   247,073 [2] 203,621 [3]    
Derviative contracts, net of cash collateral, Assets, Fair value 0 [4]   0 [5] 0 [6]    
Liabilities: [Abstract]            
Derivative contracts, net of cash collateral, Liabilities, Fair Value 0 [4]   0 [5] 0 [6]    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. government agency debentures            
Assets: [Abstract]            
Trading securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. government agency residential mortgage-backed securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 0   0 0    
Fair value option securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal and other tax-exempt securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Available for sale securities 4,785   5,789 5,713    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other trading securities            
Assets: [Abstract]            
Trading securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. Treasury            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair value option securities       0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Privately issued residential mortgage-backed securities            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other debt securities            
Assets: [Abstract]            
Available for sale securities 4,153   4,152 4,151    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Perpetual preferred stock            
Assets: [Abstract]            
Available for sale securities 0   0 0    
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Equity securities and mutual funds            
Assets: [Abstract]            
Available for sale securities $ 0   $ 0 $ 0    
[1] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
[2] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
[3] A reconciliation of the beginning and ending fair value of mortgage servicing rights and disclosures of significant assumptions used to determine fair value are presented in Note 6, Mortgage Banking Activities.
[4] See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts in asset positions that were valued based on quoted prices in active markets for identical instruments (Level 1) are primarily exchange-traded interest rate, energy and agricultural derivative contacts. Derivative contacts in liability positions that were valued using quoted prices in active markets for identical instruments are exchange-traded interest rate derivative contracts, net of cash margin.
[5] See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest-rate and energy derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate, energy and agricultural derivative contracts, net of cash margin.
[6] See Note 3 for detail of fair value of derivative contracts by contract type. Derivative contracts based on quoted prices in active markets for identical instruments (Level 1) are exchange-traded energy and agricultural derivative contacts, net of cash margin. Derivative contracts in liability positions that were valued using quoted prices in active markets for identical instruments (Level 1) are exchange-traded interest rate and energy derivative contracts, net cash margin.
v3.8.0.1
Fair Value Measurements, Measured On Recurring Basis Significant Unobservable Inputs (Details) - Fair Value, Measurements, Recurring [Member] - Fair Value, Inputs, Level 3 [Member] - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Available-for-sale securities [Member] | Municipal and other tax-exempt securities        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Balance, beginning of period $ 4,655 $ 9,600 $ 5,789 $ 9,610
Transfer to Level 3 from Level 2 0 [1] 0 [2] 0 [1] 0 [2]
Purchases 0 0 0 0
Proceeds from sales 0 0 0 0
Redemptions and distributions 0 (3,975) (1,100) (3,975)
Other comprehensive income (loss) 130 88 96 78
Balance, end of period 4,785 5,713 4,785 5,713
Available-for-sale securities [Member] | Municipal and other tax-exempt securities | Mortgage banking revenue [Member]        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Gain (loss) recognized in earnings 0 0 0 0
Available-for-sale securities [Member] | Other debt securities        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Balance, beginning of period 4,152 4,151 4,152 4,151
Transfer to Level 3 from Level 2 0 [1] 0 [2] 0 [1] 0 [2]
Purchases 0 0 0 0
Proceeds from sales 0 0 0 0
Redemptions and distributions 0 0 0 0
Other comprehensive income (loss) 1 0 1 0
Balance, end of period 4,153 4,151 4,153 4,151
Available-for-sale securities [Member] | Other debt securities | Mortgage banking revenue [Member]        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Gain (loss) recognized in earnings 0 0 0 0
Residential mortgage loans held for sale [Member]        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Balance, beginning of period 12,735 9,749 11,617 7,874
Transfer to Level 3 from Level 2 176 [1] 442 [2] 2,916 [1] 3,982 [2]
Purchases 0 0 0 0
Proceeds from sales (847) (1,003) (2,549) (2,365)
Redemptions and distributions 0 0 0 0
Other comprehensive income (loss) 0 0 0 0
Balance, end of period 12,100 9,301 12,100 9,301
Residential mortgage loans held for sale [Member] | Mortgage banking revenue [Member]        
Fair Value Assets Measured on Recurring Basis Unobservable Reconciliation [Roll Forward]        
Gain (loss) recognized in earnings $ 36 $ 113 $ 116 $ (190)
[1] 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
[2] 1 Recurring transfers to Level 3 from Level 2 consist of residential mortgage loans intended for sale to U.S. government agencies that fail to meet conforming standards.
v3.8.0.1
Fair Value Measurements Fair Value Measurements, Financial Instruments Measured On a Recurring Basis, Quantitative Information (Details) - Fair Value, Measurements, Recurring [Member] - Fair Value, Inputs, Level 3 [Member] - USD ($)
$ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Dec. 31, 2016
Available-for-sale securities [Member] | Municipal and other tax-exempt securities      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Fair Value Inputs, Asset, Par Value $ 5,095 $ 6,195 $ 6,195
Fair Value Inputs, Asset, Amortized Cost/Unpaid Principal Balance 5,067 6,162 6,163
Fair Value Inputs, Asset, Fair Value $ 4,785 $ 5,713 $ 5,789
Fair Value Measurements, Valuation Techniques Discounted cash flows [1] Discounted cash flows [2] Discounted cash flows [3]
Fair Value Measurements, Significant Unobservable Input Interest rate spread Interest rate spread Interest rate spread
Fair Value Inputs, Assets, Discount Rate, Minimum 6.05% [4] 5.60% [5] 5.91% [6]
Fair Value Inputs, Assets, Discount Rate, Maximum 6.05% [4] 5.90% [5] 6.21% [6]
Fair Value Inputs, Assets, Discount Rate, Weighted Average 6.05% [4] 5.85% [5] 6.16% [6]
Fair Value Inputs, Assets, Fair Value As Percentage of Par Value, Minimum 92.25% [7] 90.00% [8] 90.00% [9]
Fair Value Inputs, Assets, Fair Value As Percentage of Par Value, Maximum 95.02% [7] 93.79% [8] 93.40% [9]
Fair Value Inputs, Fair Value As Percentage of Par Value, Weighted Average 93.91% [7] 92.22% [8] 92.20% [9]
Investment Grade Tax Exempt Securities Yield Spread Over Comparable Securities Minimum 352 437 467
Investment Grade Tax Exempt Securities Yield Spread Over Comparable Securities Maximum 467 484 525
Available-for-sale securities [Member] | Other debt securities      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Fair Value Inputs, Asset, Par Value $ 4,400 $ 4,400 $ 4,400
Fair Value Inputs, Asset, Amortized Cost/Unpaid Principal Balance 4,400 4,400 4,400
Fair Value Inputs, Asset, Fair Value $ 4,153 $ 4,151 $ 4,152
Fair Value Measurements, Valuation Techniques Discounted cash flows [1] Discounted cash flows [2] Discounted cash flows [3]
Fair Value Measurements, Significant Unobservable Input Interest rate spread Interest rate spread Interest rate spread
Fair Value Inputs, Assets, Discount Rate, Minimum 6.65% [10] 5.98% [11] 6.01% [12]
Fair Value Inputs, Assets, Discount Rate, Maximum 6.73% [10] 6.03% [11] 6.26% [12]
Fair Value Inputs, Assets, Discount Rate, Weighted Average 6.72% [10] 6.02% [11] 6.23% [12]
Fair Value Inputs, Assets, Fair Value As Percentage of Par Value, Minimum 94.38% [7] 94.34% [8] 94.34% [9]
Fair Value Inputs, Assets, Fair Value As Percentage of Par Value, Maximum 94.38% [7] 94.34% [8] 94.36% [9]
Fair Value Inputs, Fair Value As Percentage of Par Value, Weighted Average 94.38% [7] 94.34% [8] 94.36% [9]
Average Yields On Comparable Short-term Taxable Securities, Maximum 3.00% 1.00% 1.00%
Residential mortgage loans held for sale [Member]      
Fair Value Inputs, Assets, Quantitative Information [Line Items]      
Fair Value Inputs, Asset, Amortized Cost/Unpaid Principal Balance $ 12,612 $ 9,957 $ 12,431
Fair Value Inputs, Asset, Fair Value $ 12,100 $ 9,301 $ 11,617
Fair Value Measurements, Valuation Techniques Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Quoted prices of loans sold in securitization transactions, with a liquidity discount applied Quoted prices of loans sold in securitization transactions, with a liquidity discount applied
Fair Value Measurements, Significant Unobservable Input Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies. Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies. Liquidity discount applied to the market value of a mortgage loans qualifying for sale to U.S. government agencies.
Liquidity Discount on Mortgage Loans Qualifying for Sale to US Govt Agencies 95.94% 93.41% 93.45%
[1] Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume
[2] Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume
[3] Discounted cash flows developed using discount rates primarily based on reference to interest rate spreads for comparable securities of similar duration and credit rating as determined by the nationally-recognized rating agencies, adjusted for lack of trading volume
[4] Interest rate yields used to value investment grade tax-exempt securities represent a spread of 352 to 467 basis points over average yields for comparable tax-exempt securities.
[5] Interest rate yields used to value investment grade tax-exempt securities represent a spread of 437 to 484 basis points over average yields for comparable tax-exempt securities.
[6] Interest rate yields used to value investment grade tax-exempt securities represent a spread of 467 to 525 basis points over average yields for comparable tax-exempt securities.
[7] Represents fair value as a percentage of par value.
[8] Represents fair value as a percentage of par value.
[9] Represents fair value as a percentage of par value.
[10] Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 3 percent.
[11] Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.
[12] Interest rate yields used to value investment grade taxable securities based on comparable short-term taxable securities which are generally yielding less than 1 percent.
v3.8.0.1
Fair Value Measurements, Fair Value Measured On a Nonrecurring Basis (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Impaired Loans [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Gross charge-offs against allowance for loan losses $ 4,397 $ 6,334 $ 5,058 $ 30,200
Net losses and expenses of repossessed assets, net 0 0 0 0
Real estate and other repossessed assets [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Gross charge-offs against allowance for loan losses 0 0 0 0
Net losses and expenses of repossessed assets, net 4,683 480 4,915 1,260
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value 0 0 0 0
Fair Value, Inputs, Level 1 [Member] | Real estate and other repossessed assets [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value 0 0 0 0
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value 423 436 423 436
Fair Value, Inputs, Level 2 [Member] | Real estate and other repossessed assets [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value 4,392 6,048 4,392 6,048
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value 10,960 23,089 10,960 23,089
Fair Value, Inputs, Level 3 [Member] | Real estate and other repossessed assets [Member]        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Carrying Value $ 6,845 $ 1,927 $ 6,845 $ 1,927
v3.8.0.1
Fair Value Measurements Fair Value Measurement, Measured On Non-Recurring Basis, Signfiicant Unobservable Inputs, Quantitative Information (Details) - Fair Value, Measurements, Nonrecurring [Member] - Fair Value, Inputs, Level 3 [Member] - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Impaired Loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Carrying Value $ 10,960 $ 23,089
Fair Value Measurements, Valuation Techniques Discounted cash flows Discounted cash flows
Fair Value Measurements, Significant Unobservable Input Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs
Fair Value of Impaired Loans as a Percentage of Unpaid Principal Balance [Abstract]    
Fair Value Measurements, Fair Value of Impaired Loans as a Percentage of Unpaid Principal Balance, Minimum [1] 64.00% 23.00%
Fair Value Measurements, Fair Value of Impaired Loans as a Percentage of Unpaid Principal Balance, Maximum [1] 88.00% 59.00%
Fair Value of Impaired Loans as a Percentage of Unpaid Principal Balance, Weighted Average [1] 68.00% 43.00%
Real estate and other repossessed assets [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Carrying Value $ 6,845 $ 1,927
Fair Value Measurements, Valuation Techniques Appraised value, as adjusted Appraised value, as adjusted
Fair Value Measurements, Significant Unobservable Input Recoverable oil and gas reserves, forward-looking commodity prices, estimated operating costs Marketability adjustments off appraised value2 [2]
Fair Value of Real Estate and Other Repossessed Assets as a Percentage of Appraised Value [Abstract]    
Fair Value Measurement, Percentage of Appraised Value. Minimum   68.00%
Fair Value Measurement, Percentage of Appraised Value, Maximum   80.00%
Fair Value Measurement, Percentage of Appraised Value, Weighted Average   71.00%
[1] Represents fair value as a percentage of the unpaid principal balance.
[2] Marketability adjustments include consideration of estimated costs to sell which is approximately 10% of the fair value.
v3.8.0.1
Fair Value Measurements, Financial Instruments (Details) - USD ($)
$ in Thousands
Sep. 30, 2017
Jun. 30, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Interest-bearing cash and cash equivalents $ 1,926,779   $ 1,916,651 $ 2,080,978    
Trading securities 614,117   337,628 546,615    
Investment securities 466,562   546,145 546,457    
Available for sale securities 8,383,199   8,676,829 8,862,283    
Fair value option securities 819,531   77,046 222,409    
Residential mortgage loans held for sale 275,643   301,897 447,592    
Loans 17,206,834   16,989,660 16,464,786    
Allowance for loan losses (247,703) $ (250,061) (246,159) (245,103) $ (243,259) $ (225,524)
Loans, net of allowance 16,959,131   16,743,501 16,219,683    
Mortgage servicing rights 245,858 245,239 247,073 203,621 190,747 218,605
Derviative contracts, net of cash collateral, Assets, Fair value 352,559   689,872 655,078    
Time deposits 2,172,289   2,221,800 2,169,631    
Subordinated debentures 144,668   144,640 144,631    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 336,327   664,531 573,987    
Fair Value Assumptions and Methodology for Assets and Liabilities [Abstract]            
Specific allocation of allowance for loan losses included in fair value of loans 220,000   218,000 217,000    
Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 10,795,934   10,390,824 10,120,163    
Allowance for loan losses (136,801) (137,742) (140,213) (141,470) (145,139) (130,334)
Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 3,518,142   3,809,046 3,793,598    
Allowance for loan losses (56,405) (58,580) (50,749) (49,817) (46,745) (41,391)
Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 1,945,750   1,949,832 1,872,793    
Allowance for loan losses (18,393) (18,259) (18,224) (18,589) (18,690) (19,509)
Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 947,008   839,958 678,232    
Allowance for loan losses (8,026) $ (8,106) (8,773) (7,041) $ (6,001) $ (4,164)
U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 30,162   6,234 15,705    
U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 516,760   310,067 464,749    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 56,148   14,427 54,856    
Investment securities 246,000   320,364 323,225    
Available for sale securities 28,368   40,993 42,092    
Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 11,047   6,900 11,305    
U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 999   999 1,002    
Fair value option securities 0   0 222,409    
Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 99,994   115,535 121,603    
Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 203,636   205,004 201,066    
Available for sale securities 4,153   4,152 4,151    
Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 16,245   18,474 19,578    
Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 17,710   18,357 18,690    
Carrying (Reported) Amount, Fair Value Disclosure [Member]            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Cash and due from banks 547,203   620,846 535,916    
Interest-bearing cash and cash equivalents 1,926,779   1,916,651 2,080,978    
Trading securities 614,117   337,628 546,615    
Investment securities 466,562   546,145 546,457    
Available for sale securities 8,383,199   8,676,829 8,862,283    
Fair value option securities       222,409    
Residential mortgage loans held for sale 275,643   301,897 447,592    
Loans 17,206,834   16,989,660 16,464,786    
Allowance for loan losses (247,703)   (246,159) (245,103)    
Loans, net of allowance 16,959,131   16,743,501 16,219,683    
Mortgage servicing rights 245,858   247,073 203,621    
Derviative contracts, net of cash collateral, Assets, Fair value 352,559   689,872 655,078    
Deposits with no stated maturity 19,675,790   20,526,295 18,925,873    
Time deposits 2,172,289   2,221,800 2,169,631    
Other borrowed funds 6,631,820   5,572,662 7,147,047    
Subordinated debentures 144,668   144,640 144,631    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 336,327   664,531 573,987    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 10,795,934   10,390,824 10,120,163    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 3,518,142   3,809,046 3,793,598    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 1,945,750   1,949,832 1,872,793    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 947,008   839,958 678,232    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 30,162   6,234 15,705    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 516,760   310,067 464,749    
Investment securities 16,926   20,777 22,166    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 56,148   14,427 54,856    
Investment securities 246,000   320,364 323,225    
Available for sale securities 28,368   40,993 42,092    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 11,047   6,900 11,305    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 999   999 1,002    
Fair value option securities       222,409    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 99,994   115,535 121,603    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 203,636   205,004 201,066    
Available for sale securities 4,153   4,152 4,151    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 16,245   18,474 19,578    
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 17,710   18,357 18,690    
Estimate of Fair Value, Fair Value Disclosure [Member]            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Cash and due from banks 547,203   620,846 535,916    
Interest-bearing cash and cash equivalents 1,926,779   1,916,651 2,080,978    
Trading securities 614,117   337,628 546,615    
Investment securities 489,895   565,493 580,310    
Available for sale securities 8,383,199   8,676,829 8,862,283    
Fair value option securities       222,409    
Residential mortgage loans held for sale 275,643   301,897 447,592    
Loans 16,939,180   17,178,060 16,273,182    
Allowance for loan losses 0   0 0    
Loans, net of allowance 16,939,180   17,178,060 16,273,182    
Mortgage servicing rights 245,858   247,073 203,621    
Derviative contracts, net of cash collateral, Assets, Fair value 352,559   689,872 655,078    
Deposits with no stated maturity 19,675,790   20,526,295 18,925,873    
Time deposits 2,138,367   2,218,303 2,163,947    
Other borrowed funds 6,609,642   5,556,327 7,079,737    
Subordinated debentures 146,693   128,903 148,360    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 336,327   664,531 573,987    
Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 10,574,720   10,437,016 9,926,548    
Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 3,467,009   3,850,981 3,769,427    
Estimate of Fair Value, Fair Value Disclosure [Member] | Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 1,958,632   2,025,159 1,905,786    
Estimate of Fair Value, Fair Value Disclosure [Member] | Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 938,819   864,904 671,421    
Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 30,162   6,234 15,705    
Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 516,760   310,067 464,749    
Investment securities 17,458   21,473 23,452    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Estimate of Fair Value, Fair Value Disclosure [Member] | Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 56,148   14,427 54,856    
Investment securities 249,250   321,225 327,788    
Available for sale securities 28,368   40,993 42,092    
Estimate of Fair Value, Fair Value Disclosure [Member] | Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 11,047   6,900 11,305    
Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 999   999 1,002    
Fair value option securities       222,409    
Estimate of Fair Value, Fair Value Disclosure [Member] | Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 99,994   115,535 121,603    
Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Estimate of Fair Value, Fair Value Disclosure [Member] | Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 223,187   222,795 229,070    
Available for sale securities 4,153   4,152 4,151    
Estimate of Fair Value, Fair Value Disclosure [Member] | Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 16,245   18,474 19,578    
Estimate of Fair Value, Fair Value Disclosure [Member] | Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 17,710   18,357 18,690    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Cash and due from banks 547,203   620,846 535,916    
Interest-bearing cash and cash equivalents 1,926,779   1,916,651 2,080,978    
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 3,577   4,494 4,546    
Fair value option securities       222,409    
Residential mortgage loans held for sale 0   0 0    
Loans 0   0 0    
Allowance for loan losses 0   0 0    
Loans, net of allowance 0   0 0    
Mortgage servicing rights 0   0 0    
Derviative contracts, net of cash collateral, Assets, Fair value 8,498   7,541 5,575    
Deposits with no stated maturity 0   0 0    
Time deposits 0   0 0    
Other borrowed funds 0   0 0    
Subordinated debentures 0   0 0    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 6,903   6,972 1,308    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 0   0 0    
Fair value option securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 999   999 1,002    
Fair value option securities       222,409    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 0   0 0    
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 2,578   3,495 3,544    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Cash and due from banks 0   0 0    
Interest-bearing cash and cash equivalents 0   0 0    
Trading securities 614,117   337,628 546,615    
Investment securities 489,895   565,493 580,310    
Available for sale securities 8,370,684   8,662,394 8,847,873    
Fair value option securities       0    
Residential mortgage loans held for sale 263,543   290,280 438,291    
Loans 0   0 0    
Allowance for loan losses 0   0 0    
Loans, net of allowance 0   0 0    
Mortgage servicing rights 0   0 0    
Derviative contracts, net of cash collateral, Assets, Fair value 344,061   682,331 649,503    
Deposits with no stated maturity 0   0 0    
Time deposits 0   0 0    
Other borrowed funds 0   0 0    
Subordinated debentures 146,693   128,903 148,360    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 329,424   657,559 572,679    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 0   0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 30,162   6,234 15,705    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 516,760   310,067 464,749    
Investment securities 17,458   21,473 23,452    
Available for sale securities 5,326,384   5,460,386 5,668,672    
Fair value option securities 819,531   77,046 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 56,148   14,427 54,856    
Investment securities 249,250   321,225 327,788    
Available for sale securities 23,583   35,204 36,379    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 11,047   6,900 11,305    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair value option securities       0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 99,994   115,535 121,603    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 2,889,346   3,017,933 2,986,495    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 223,187   222,795 229,070    
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 16,245   18,474 19,578    
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 15,132   14,862 15,146    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Cash and due from banks 0   0 0    
Interest-bearing cash and cash equivalents 0   0 0    
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 8,938   9,941 9,864    
Fair value option securities       0    
Residential mortgage loans held for sale 12,100   11,617 9,301    
Loans 16,939,180   17,178,060 16,273,182    
Allowance for loan losses 0   0 0    
Loans, net of allowance 16,939,180   17,178,060 16,273,182    
Mortgage servicing rights 245,858   247,073 203,621    
Derviative contracts, net of cash collateral, Assets, Fair value 0   0 0    
Deposits with no stated maturity 19,675,790   20,526,295 18,925,873    
Time deposits 2,138,367   2,218,303 2,163,947    
Other borrowed funds 6,609,642   5,556,327 7,079,737    
Subordinated debentures 0   0 0    
Derivative contracts, net of cash collateral, Liabilities, Fair Value 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 10,574,720   10,437,016 9,926,548    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial real estate            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 3,467,009   3,850,981 3,769,427    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Residential mortgage            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 1,958,632   2,025,159 1,905,786    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Personal            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Loans 938,819   864,904 671,421    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency debentures            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. government agency residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 0   0 0    
Fair value option securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Municipal and other tax-exempt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Investment securities 0   0 0    
Available for sale securities 4,785   5,789 5,713    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other trading securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Trading securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | U.S. Treasury            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair value option securities       0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Privately issued residential mortgage-backed securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial mortgage-backed securities guaranteed by U.S. government agencies            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other debt securities            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Investment securities 0   0 0    
Available for sale securities 4,153   4,152 4,151    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Perpetual preferred stock            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities 0   0 0    
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Equity securities and mutual funds            
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]            
Available for sale securities $ 0   $ 0 $ 0    
v3.8.0.1
Fair Value Measurements Financial Instruments, Quantitative Information (Details)
9 Months Ended 12 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Dec. 31, 2016
Time deposits [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 0.03% 0.03% 0.02%
Contractual Yield, Maximum 9.64% 9.65% 9.65%
Repricing (in years) 1 year 347 days 2 years 37 days 1 year 350 days
Discount Rate, Minimum 1.86% 1.37% 1.57%
Discount Rate, Maximum 2.18% 1.66% 2.00%
Other borrowings [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 0.25% 0.25% 0.25%
Contractual Yield, Maximum 6.25% 3.81% 3.50%
Repricing (in years) 7 days 7 days 1 day
Discount Rate, Minimum 1.06% 0.29% 0.55%
Discount Rate, Maximum 3.70% 2.99% 3.22%
Subordinated debentures [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 5.38% 5.38% 5.38%
Contractual Yield, Maximum 5.38% 5.38% 5.38%
Repricing (in years) 16 years 310 days 18 years 135 days 16 years 314 days
Discount Rate, Minimum 4.96% 5.38% 6.11%
Discount Rate, Maximum 4.96% 5.38% 6.11%
Commercial | Loans Receivable [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 0.38% 0.38% 0.38%
Contractual Yield, Maximum 30.00% 30.00% 30.00%
Repricing (in years) 226 days 252 days 256 days
Discount Rate, Minimum 0.78% 0.54% 0.64%
Discount Rate, Maximum 4.59% 3.93% 4.60%
Commercial real estate | Loans Receivable [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 0.38% 0.38% 0.38%
Contractual Yield, Maximum 18.00% 18.00% 18.00%
Repricing (in years) 282 days 263 days 259 days
Discount Rate, Minimum 1.04% 0.80% 0.94%
Discount Rate, Maximum 4.38% 3.90% 4.27%
Residential mortgage | Loans Receivable [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 1.74% 1.74% 1.74%
Contractual Yield, Maximum 18.00% 18.00% 18.00%
Repricing (in years) 2 years 44 days 1 year 347 days 2 years 99 days
Discount Rate, Minimum 1.79% 1.57% 1.71%
Discount Rate, Maximum 4.09% 3.55% 4.26%
Personal | Loans Receivable [Member]      
Fair Value Inputs, Financial Instruments, Quantitative Information [Line Items]      
Contractual Yield, Minimum 0.25% 0.25% 0.25%
Contractual Yield, Maximum 21.00% 21.00% 21.00%
Repricing (in years) 88 days 128 days 146 days
Discount Rate, Minimum 0.55% 0.75% 1.03%
Discount Rate, Maximum 4.78% 4.15% 4.59%
v3.8.0.1
Federal and State Income Taxes Federal and State Income Taxes (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Effective Income Tax Rate Reconciliation, Amount [Abstract]        
Federal statutory tax $ 44,880 $ 37,474 $ 137,048 $ 93,189
Tax exempt revenue (3,001) (2,391) (9,336) (7,491)
Effect of state income taxes, net of federal benefit 2,486 1,364 7,875 5,222
Utilization of tax credits:        
Low-income housing tax credit, net of amortization (23) (623) (2,272) (2,505)
Other tax credits (364) (522) (1,091) (1,564)
Bank-owned life insurance (705) (813) (2,252) (2,414)
Share-based compensation (169) 0 (2,470) 0
Other, net (666) (2,533) 744 (556)
Total income tax expense $ 42,438 $ 31,956 $ 128,246 $ 83,881
Effective Income Tax Rate Reconciliation, Percent [Abstract]        
Federal statutory tax (in hundredths) 35.00% 35.00% 35.00% 35.00%
Tax exempt revenue (in hundredths) (2.30%) (2.20%) (2.40%) (2.80%)
Effect of state income taxes, net of federal benefit (in hundredths) 1.90% 1.30% 2.00% 2.00%
Utilization of tax credits: [Abstract]        
Low-income housing tax credit, net of amortization (in hundredths) (0.00%) (0.60%) (0.60%) (0.90%)
Other tax credits (in hundredths) (0.30%) (0.50%) (0.30%) (0.60%)
Bank-owned life insurance 0.50% 0.80% 0.60% 0.90%
Share-based compensation (in hundredths) (0.10%) 0.00% (0.60%) 0.00%
Other, net (in hundredths) (0.60%) (2.40%) 0.30% (0.30%)
Total (in hundredths) 33.10% 29.80% 32.80% 31.50%