Allowance For Loan Losses, Allowance For Losses On Lending-Related Commitments And Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2011

Allowance For Loan Losses, Allowance For Losses On Lending-Related Commitments And Impaired Loans

Schedule Of Aging Of The Company's Loan Portfolio

As of June 30, 2011 (Dollars in thousands)	Nonaccrual		90+ days and still accruing		60-89 days past due		30-59 days past due		Current		Total Loans
Loan Balances:
Commercial
Commercial and industrial	$	22,289	$	—	$	7,164	$	23,754	$	1,309,455	$	1,362,662
Franchise		1,792		—		—		—		112,342		114,134
Mortgage warehouse lines of credit		—		—		—		—		68,477		68,477
Community Advantage — homeowners association		—		—		—		—		73,929		73,929
Aircraft		—		—		—		—		21,231		21,231
Asset-based lending		2,087		—		—		2,415		361,594		366,096
Municipal		—		—		—		—		63,296		63,296
Leases		—		—		—		763		61,772		62,535
Other		—		—		—		—		76		76
Total commercial		26,168		—		7,164		26,932		2,072,172		2,132,436
Commercial real-estate
Residential construction		3,011		—		938		5,245		81,561		90,755
Commercial construction		2,453		—		7,579		7,075		120,540		137,647
Land		33,980		—		10,281		8,076		160,597		212,934
Office		17,503		—		1,648		3,846		509,385		532,382
Industrial		2,470		—		2,689		2,480		506,895		514,534
Retail		8,164		—		3,778		14,806		498,040		524,788
Multi-family		4,947		—		4,628		3,836		302,740		316,151
Mixed use and other		17,265		—		9,350		4,201		1,014,661		1,045,477
Total commercial real-estate		89,793		—		40,891		49,565		3,194,419		3,374,668
Home equity		15,853		—		1,502		4,081		859,266		880,702
Residential real estate		7,379		—		1,272		949		319,781		329,381
Premium finance receivables
Commercial insurance loans		10,309		4,446		5,089		7,897		1,401,695		1,429,436
Life insurance loans		670		324		4,873		3,254		957,808		966,929
Purchased life insurance loans		—		—		—		—		652,739		652,739
Indirect consumer		89		284		98		531		56,716		57,718
Consumer and other		757		—		123		418		99,770		101,068
Total loans, net of unearned income, excluding covered loans	$	151,018	$	5,054	$	61,012	$	93,627	$	9,614,366	$	9,925,077
Covered loans		—		121,271		5,643		11,899		269,856		408,669
Total loans, net of unearned income	$	151,018	$	126,325	$	66,655	$	105,526	$	9,884,222	$	10,333,746

As of December 31, 2010 (Dollars in thousands)	Nonaccrual		90+ days and still accruing		60-89 days past due		30-59 days past due		Current		Total Loans
Loan Balances:
Commercial
Commercial and industrial	$	15,922	$	478	$	4,416	$	9,928	$	1,280,009	$	1,310,753
Franchise		—		—		—		2,250		117,238		119,488
Mortgage warehouse lines of credit		—		—		—		—		131,306		131,306
Community Advantage — homeowners association		—		—		—		—		75,542		75,542
Aircraft		—		—		178		1,000		23,440		24,618
Asset-based lending		417		—		161		2,846		285,555		288,979
Municipal		—		—		—		—		56,343		56,343
Leases		43		—		—		—		41,498		41,541
Other		—		—		—		—		756		756
Total commercial		16,382		478		4,755		16,024		2,011,687		2,049,326
Commercial real-estate
Residential construction		10,010		—		96		1,801		84,040		95,947
Commercial construction		1,820		—		—		1,481		128,371		131,672
Land		37,602		—		6,815		11,915		203,857		260,189
Office		12,718		—		9,121		3,202		510,290		535,331
Industrial		3,480		—		686		2,276		493,859		500,301
Retail		3,265		—		4,088		3,839		499,335		510,527
Multi-family		4,794		—		1,573		3,062		281,525		290,954
Mixed use and other		20,274		—		8,481		15,059		969,272		1,013,086
Total commercial real-estate		93,963		—		30,860		42,635		3,170,549		3,338,007
Home equity		7,425		—		2,181		7,098		897,708		914,412
Residential real estate		6,085		—		1,836		8,224		337,191		353,336
Premium finance receivables
Commercial insurance loans		8,587		8,096		6,076		16,584		1,226,157		1,265,500
Life insurance loans		180		—		—		—		826,119		826,299
Purchased life insurance loans		174		—		—		—		695,413		695,587
Indirect consumer		191		318		301		918		49,419		51,147
Consumer and other		252		1		109		379		105,531		106,272
Total loans, net of unearned income, excluding covered loans	$	133,239	$	8,893	$	46,118	$	91,862	$	9,319,774	$	9,599,886
Covered loans		—		117,161		7,352		22,744		187,096		334,353
Total loans, net of unearned income	$	133,239	$	126,054	$	53,470	$	114,606	$	9,506,870	$	9,934,239

As of June 30, 2010 (Dollars in thousands)	Nonaccrual		90+ days and still accruing		60-89 days past due		30-59 days past due		Current		Total Loans
Loan Balances:
Commercial
Commercial and industrial	$	16,456	$	99	$	7,211	$	5,781	$	1,200,955	$	1,230,502
Franchise		—		—		—		—		138,687		138,687
Mortgage warehouse lines of credit		—		—		—		—		118,823		118,823
Community Advantage — homeowners association		—		—		—		—		62,452		62,452
Aircraft		—		—		178		—		38,396		38,574
Asset-based lending		1,219		—		270		—		178,997		180,486
Municipal		—		—		—		—		35,797		35,797
Leases		66		—		891		—		21,338		22,295
Other		—		—		—		—		2		2
Total commercial		17,741		99		8,550		5,781		1,795,447		1,827,618
Commercial real-estate
Residential construction		15,468		—		6,166		3,035		104,793		129,462
Commercial construction		6,140		—		—		2,117		179,919		188,176
Land		21,699		—		5,313		8,721		233,823		269,556
Office		2,991		1,194		193		8,423		522,740		535,541
Industrial		5,540		—		5,612		3,530		458,033		472,715
Retail		5,174		—		1,906		4,712		472,745		484,537
Multi-family		11,074		—		421		1,498		263,888		276,881
Mixed use and other		14,898		1,054		11,156		10,476		953,371		990,955
Total commercial real-estate		82,984		2,248		30,767		42,512		3,189,312		3,347,823
Home equity		7,149		—		1,063		4,253		909,840		922,305
Residential real estate		4,436		—		1,379		2,489		324,369		332,673
Premium finance receivables
Commercial insurance loans		11,389		6,350		3,938		9,944		1,315,364		1,346,985
Life insurance loans		—		1,923		3,960		7,712		576,793		590,388
Purchased life insurance loans		—		—		—		—		788,269		788,269
Indirect consumer		438		579		204		1,453		66,337		69,011
Consumer and other		62		3		438		1,021		97,567		99,091
Total loans, net of unearned income, excluding covered loans	$	124,199	$	11,202	$	50,299	$	75,165	$	9,063,298	$	9,324,163
Covered loans		—		101,333		10,963		9,180		154,087		275,563
Total loans, net of unearned income	$	124,199	$	112,535	$	61,262	$	84,345	$	9,217,385	$	9,599,726

Summary Of Recorded Investment Based On Performance Of Loans By Class, Excluding Covered Loans

	Performing						Non-performing						Total
(Dollars in thousands)	June 30, 2011		December 31, 2010		June 30, 2010		June 30, 2011		December 31, 2010		June 30, 2010		June 30, 2011		December 31, 2010		June 30, 2010
Loan Balances:
Commercial
Commercial and industrial	$	1,340,373	$	1,294,353	$	1,213,947	$	22,289	$	16,400	$	16,555	$	1,362,662	$	1,310,753	$	1,230,502
Franchise		112,342		119,488		138,687		1,792		—		—		114,134		119,488		138,687
Mortgage warehouse lines of credit		68,477		131,306		118,823		—		—		—		68,477		131,306		118,823
Community Advantage — homeowners association		73,929		75,542		62,452		—		—		—		73,929		75,542		62,452
Aircraft		21,231		24,618		38,574		—		—		—		21,231		24,618		38,574
Asset-based lending		364,009		288,562		179,267		2,087		417		1,219		366,096		288,979		180,486
Municipal		63,296		56,343		35,797		—		—		—		63,296		56,343		35,797
Leases		62,535		41,498		22,229		—		43		66		62,535		41,541		22,295
Other		76		756		2		—		—		—		76		756		2
Total commercial		2,106,268		2,032,466		1,809,778		26,168		16,860		17,840		2,132,436		2,049,326		1,827,618
Commercial real-estate
Residential construction		87,744		85,937		113,994		3,011		10,010		15,468		90,755		95,947		129,462
Commercial construction		135,194		129,852		182,036		2,453		1,820		6,140		137,647		131,672		188,176
Land		178,954		222,587		247,857		33,980		37,602		21,699		212,934		260,189		269,556
Office		514,879		522,613		531,356		17,503		12,718		4,185		532,382		535,331		535,541
Industrial		512,064		496,821		467,175		2,470		3,480		5,540		514,534		500,301		472,715
Retail		516,624		507,262		479,363		8,164		3,265		5,174		524,788		510,527		484,537
Multi-family		311,204		286,160		265,807		4,947		4,794		11,074		316,151		290,954		276,881
Mixed use and other		1,028,212		992,812		975,003		17,265		20,274		15,952		1,045,477		1,013,086		990,955
Total commercial real-estate		3,284,875		3,244,044		3,262,591		89,793		93,963		85,232		3,374,668		3,338,007		3,347,823
Home equity		864,849		906,987		915,156		15,853		7,425		7,149		880,702		914,412		922,305
Residential real estate		322,002		347,251		328,237		7,379		6,085		4,436		329,381		353,336		332,673
Premium finance receivables
Commercial insurance loans		1,414,681		1,248,817		1,329,246		14,755		16,683		17,739		1,429,436		1,265,500		1,346,985
Life insurance loans		965,935		826,119		588,465		994		180		1,923		966,929		826,299		590,388
Purchased life insurance loans		652,739		695,413		788,269		—		174		—		652,739		695,587		788,269
Indirect consumer		57,345		50,638		67,994		373		509		1,017		57,718		51,147		69,011
Consumer and other		100,311		106,019		99,026		757		253		65		101,068		106,272		99,091
Total loans, net of unearned income, excluding covered loans	$	9,769,005	$	9,457,754	$	9,188,762	$	156,072	$	142,132	$	135,401	$	9,925,077	$	9,599,886	$	9,324,163

Summary Of Impaired Loans, Including Restructured Loans

(Dollars in thousands)	June 30, 2011		December 31, 2010		June 30, 2010
Impaired loans (included in non-performing and restructured loans):
Impaired loans with an allowance for loan loss required (2)	$	94,056	$	115,381	$	85,312
Impaired loans with no allowance for loan loss required		131,797		86,893		77,792
Total impaired loans (1):	$	225,853	$	202,274	$	163,104
Allowance for loan losses related to impaired loans	$	27,305	$	30,626	$	24,018
Restructured loans	$	103,044	$	101,190	$	64,683

(1) Impaired loans are considered by the Company to be non-accrual loans, restructured loans or loans with principal and/or interest at risk, even if the loan is current with all payments of principal and interest.

(2) These impaired loans require an allowance for loan losses because the estimated fair value of the loans or related collateral is less than the recorded investment in the loans.

Summary Of Impaired Loans Evaluated For Impairment By Loan Class

	As of						For the Six Months Ended
June 30, 2011 (dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	17,620	$	29,123	$	5,937	$	15,843	$	742
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		2,087		2,087		1,595		2,108		55
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		1,116		1,118		293		1,118		28
Commercial construction		2,076		2,501		326		2,258		69
Land		20,427		22,644		5,841		21,127		557
Office		14,427		16,527		4,551		16,090		501
Industrial		159		162		32		160		6
Retail		3,407		4,495		979		3,913		115
Multi-family		2,452		2,458		744		2,465		64
Mixed use and other		11,161		11,352		2,906		11,238		329
Home equity		12,898		13,251		2,143		13,000		333
Residential real estate		5,791		5,921		1,619		5,798		119
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		49		50		9		50		2
Consumer and other		386		386		330		368		9
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	17,065	$	23,716	$	—	$	19,943	$	544
Franchise		1,792		1,792		—		1,792		60
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		—		—		—		—		—
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		4,522		5,268		—		6,511		257
Commercial construction		11,151		11,151		—		11,428		261
Land		21,486		30,975		—		22,172		959
Office		12,579		12,613		—		12,627		299
Industrial		6,844		7,385		—		7,315		193
Retail		12,373		14,833		—		15,153		458
Multi-family		2,718		6,877		—		5,563		173
Mixed use and other		35,258		39,189		—		37,421		941
Home equity		2,954		3,412		—		3,208		65
Residential real estate		2,667		3,142		—		3,109		87
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		17		24		—		19		1
Consumer and other		371		656		—		566		15
Total loans, net of unearned income, excluding covered loans	$	225,853	$	273,108	$	27,305	$	242,363	$	7,242

	As of						For the Twelve Months Ended
December 31, 2010 (dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	17,678	$	19,789	$	5,939	$	19,574	$	982
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		407		976		140		876		60
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		7,978		8,941		710		9,067		621
Commercial construction		719		719		631		722		37
Land		26,671		27,424		5,598		28,443		1,611
Office		13,186		13,723		3,718		13,448		917
Industrial		2,761		2,761		301		893		31
Retail		8,635		9,171		1,271		9,150		465
Multi-family		5,939		6,767		2,062		6,691		327
Mixed use and other		21,755		22,885		7,104		23,310		1,466
Home equity		6,356		6,553		961		6,494		365
Residential real estate		3,283		3,283		461		3,288		170
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		—		—		—		—		—
Consumer and other		13		13		4		15		1
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	12,407	$	16,368	$	157	$	13,210	$	971
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		10		130		—		121		9
Municipal		—		—		—		—		—
Leases		43		336		—		491		36
Other		—		—		—		—		—
Commercial real-estate
Residential construction		6,063		6,138		127		5,927		268
Commercial construction		1,713		1,713		5		1,715		97
Land		31,598		43,319		1,035		34,258		2,361
Office		6,365		6,563		78		6,370		358
Industrial		3,869		3,868		49		4,086		286
Retail		6,155		6,155		75		6,153		346
Multi-family		2,238		4,479		27		2,584		150
Mixed use and other		13,738		15,569		124		14,343		919
Home equity		1,069		1,142		13		1,119		39
Residential real estate		1,485		1,486		34		1,478		93
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		59		67		1		68		7
Consumer and other		81		81		1		88		6
Total loans, net of unearned income, excluding covered loans	$	202,274	$	230,419	$	30,626	$	213,982	$	12,999

	As of						For the Six Months Ended
June 30, 2010 (dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with a related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	11,962	$	14,664	$	5,013	$	12,218	$	330
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		922		922		583		922		25
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		10,802		11,239		2,622		11,426		340
Commercial construction		12,855		14,059		3,669		12,989		530
Land		13,926		20,923		2,560		14,668		688
Office		1,876		2,380		584		2,094		47
Industrial		1,360		1,360		271		1,361		54
Retail		4,211		4,274		521		4,266		100
Multi-family		9,626		11,641		1,587		10,921		276
Mixed use and other		10,584		11,010		2,824		10,758		337
Home equity		5,549		6,143		1,401		6,054		161
Residential real estate		1,608		1,608		217		1,607		43
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		31		31		9		31		1
Consumer and other		—		—		—		—		—
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	8,920	$	12,353	$	173	$	9,573	$	375
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage — homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		297		391		—		412		12
Municipal		—		—		—		—		—
Leases		66		70		3		67		3
Other		—		—		—		—		—
Commercial real-estate
Residential construction		11,536		11,991		225		11,396		297
Commercial construction		1,635		1,635		39		1,823		47
Land		22,977		29,052		932		24,296		759
Office		4,345		4,404		111		4,370		162
Industrial		4,180		4,181		178		4,214		133
Retail		5,266		5,266		94		5,274		153
Multi-family		4,658		4,658		81		4,758		115
Mixed use and other		9,199		9,444		203		8,990		281
Home equity		1,600		1,901		54		1,738		37
Residential real estate		2,998		2,998		60		2,985		97
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		54		61		2		57		3
Consumer and other		61		66		2		67		3
Total impaired loans, net of unearned income, excluding covered loans	$	163,104	$	188,725	$	24,018	$	169,335	$	5,409

Summary Of Activity In The Allowance For Credit Losses By Loan Portfolio (Excluding Covered Loans)

Three Months Ended June 30, 2011
(Dollars in thousands)	Commercial			Commercial Real-estate			Home Equity			Residential Real-estate			Premium Finance Receivable			Indirect Consumer			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	28,106		$	66,120		$	6,466		$	5,718		$	6,690		$	557		$	1,392		$	115,049
Reclassification to/from allowance for unfunded lending-related commitments		(120	)		(197	)		—			—			—			—			—			(317	)
Charge-offs		(7,583	)		(20,691	)		(1,300	)		(282	)		(2,107	)		(44	)		(266	)		(32,273	)
Recoveries		301			463			19			3			5,387			42			22			6,237
Provision for credit losses		12,143			16,008			1,892			439			(2,534	)		58			660			28,666
Allowance for loan losses at period end	$	32,847		$	61,703		$	7,077		$	5,878		$	7,436		$	613		$	1,808		$	117,362
Allowance for unfunded lending-related commitments at period end	$	120		$	2,215		$	—		$	—		$	—		$	—		$	—		$	2,335
Allowance for credit losses at period end	$	32,967		$	63,918		$	7,077		$	5,878		$	7,436		$	613		$	1,808		$	119,697
Individually evaluated for impairment		7,652			17,404			2,143			1,619			—			9			330			29,157
Collectively evaluated for impairment		25,315			46,514			4,934			4,259			7,436			604			1,478			90,540
Loans acquired with deteriorated credit quality		—			—			—			—			—			—			—			—
Loans at period end
Individually evaluated for impairment	$	38,564		$	162,156		$	15,852		$	8,458		$	—		$	66		$	757		$	225,853
Collectively evaluated for impairment		2,093,872			3,212,512			864,850			320,923			2,396,365			57,652			100,311			9,046,485
Loans acquired with deteriorated credit quality		—			—			—			—			652,739			—			—			652,739

Three Months Ended June 30, 2010
(Dollars in thousands)	Commercial			Commercial Real-estate			Home Equity			Residential Real-estate			Premium Finance Receivable			Indirect Consumer			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	28,772		$	52,587		$	9,952		$	3,457		$	5,754		$	1,063		$	812		$	102,397
Other adjustments		—			—			—			—			—			—			—			—
Reclassification to/from allowance for unfunded lending-related commitments		1,439			(825	)		171			—			—			—			—			785
Charge-offs		(4,781	)		(12,311	)		(3,089	)		(310	)		(17,747	)		(256	)		(109	)		(38,603	)
Recoveries		143			218			6			2			188			81			33			671
Provision for credit losses		5,143			15,795			1,326			424			18,425			(70	)		254			41,297
Allowance for loan losses at period end	$	30,716		$	55,464		$	8,366		$	3,573		$	6,620		$	818		$	990		$	106,547
Allowance for unfunded lending-related commitments at period end	$	—		$	2,169		$	—		$	—		$	—		$	—		$	—		$	2,169
Allowance for credit losses at period end	$	30,716		$	57,633		$	8,366		$	3,573		$	6,620		$	818		$	990		$	108,716
Individually evaluated for impairment	$	5,597		$	16,356		$	1,401		$	217		$	—		$	9		$	—		$	23,580
Collectively evaluated for impairment	$	25,119		$	41,277		$	6,965		$	3,356		$	6,620		$	809		$	990		$	85,136
Loans acquired with deteriorated credit quality	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Loans at period end
Individually evaluated for impairment	$	14,515		$	71,686		$	5,751		$	1,626		$	—		$	41		$	15		$	93,634
Collectively evaluated for impairment		1,813,103			3,276,137			916,554			331,047			1,937,373			68,970			99,076			8,442,260
Loans acquired with deteriorated credit quality		—			—			—			—			788,269			—			—			788,269

Six Months Ended June 30, 2011
(Dollars in thousands)	Commercial			Commercial Real-estate			Home Equity			Residential Real-estate			Premium Finance Receivable			Indirect Consumer			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	31,777		$	62,618		$	6,213		$	5,107		$	6,319		$	526		$	1,343		$	113,903
Reclassification to/from allowance for unfunded lending-related commitments		1,530			269			—			—			—			—			—			1,799
Charge-offs		(16,723	)		(34,033	)		(2,073	)		(1,557	)		(3,644	)		(164	)		(426	)		(58,620	)
Recoveries		567			801			27			5			5,655			108			75			7,238
Provision for credit losses		15,696			32,048			2,910			2,323			(894	)		143			816			53,042
Allowance for loan losses at period end	$	32,847		$	61,703		$	7,077		$	5,878		$	7,436		$	613		$	1,808		$	117,362
Allowance for unfunded lending-related commitments at period end	$	120		$	2,215		$	—		$	—		$	—		$	—		$	—		$	2,335
Allowance for credit losses at period end	$	32,967		$	63,918		$	7,077		$	5,878		$	7,436		$	613		$	1,808		$	119,697

Six Months Ended June 30, 2010
(Dollars in thousands)	Commercial			Commercial Real-estate			Home Equity			Residential Real-estate			Premium Finance Receivable			Indirect Consumer			Consumer and Other			Total, Excluding Covered Loans
Allowance for credit losses
Allowance for loan losses at beginning of period	$	28,012		$	50,952		$	9,013		$	3,139		$	3,816		$	1,368		$	1,977		$	98,277
Other adjustments		—			—			—			—			1,943			—			—			1,943
Reclassification to/from allowance for unfunded lending-related commitments		—			684			—			—			—			—			—			684
Charge-offs		(9,456	)		(32,554	)		(3,370	)		(717	)		(19,680	)		(529	)		(288	)		(66,594	)
Recoveries		586			660			13			7			417			132			80			1,895
Provision for credit losses		11,574			35,722			2,710			1,144			20,124			(153	)		(779	)		70,342
Allowance for loan losses at period end	$	30,716		$	55,464		$	8,366		$	3,573		$	6,620		$	818		$	990		$	106,547
Allowance for unfunded lending-related commitments at period end	$	—		$	2,169		$	—		$	—		$	—		$	—		$	—		$	2,169
Allowance for credit losses at period end	$	30,716		$	57,633		$	8,366		$	3,573		$	6,620		$	818		$	990		$	108,716

Summary Of Activity In The Allowance For Covered Loan By FDIC Loss

	Three Months Ended					Six Months Ended
(Dollars in thousands)	June 30,       2011			June 30,       2010		June 30,       2011			June 30,       2010
Balance at beginning of period	$	4,844		$	—	$	—		$	—
Provision for covered loan losses before benefit attributable to
FDIC loss share agreements		2,599			—		7,443			—
Benefit attributable to FDIC loss share agreements		(2,078	)		—		(5,954	)		—
Net provision for covered loan losses		521			—		1,489			—
Increase in FDIC indemnification asset		2,076			—		5,952			—
Loans charged-off		—			—		—			—
Recoveries of loans charged-off		2			—		2			—
Net charge-offs		2			—		2			—
Balance at end of period	$	7,443		$	—	$	7,443		$	—