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

3 Months Ended

Mar. 31, 2012

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

Schedule Of Aging Of The Company's Loan Portfolio

As of March 31, 2012 (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	$	17,392	$	—	$	9,210	$	24,634	$	1,454,783	$	1,506,019
Franchise		1,792		—		—		100		167,385		169,277
Mortgage warehouse lines of credit		—		—		—		—		136,438		136,438
Community Advantage - homeowners association		—		—		—		—		75,786		75,786
Aircraft		260		—		428		1,189		18,014		19,891
Asset-based lending		391		—		926		970		472,524		474,811
Municipal		—		—		—		—		76,885		76,885
Leases		—		—		—		11		77,660		77,671
Other		—		—		—		—		1,733		1,733
Purchased non-covered commercial (1)		—		424		1,063		—		4,458		5,945
Total commercial		19,835		424		11,627		26,904		2,485,666		2,544,456
Commercial real-estate:
Residential construction		1,807		—		—		4,469		49,835		56,111
Commercial construction		2,389		—		3,100		—		159,230		164,719
Land		25,306		—		6,606		6,833		145,297		184,042
Office		8,534		—		4,310		5,471		542,393		560,708
Industrial		1,864		—		6,683		10,101		572,255		590,903
Retail		7,323		73		—		8,797		511,884		528,077
Multi-family		3,708		—		1,496		4,691		315,043		324,938
Mixed use and other		11,773		—		17,745		30,689		1,063,733		1,123,940
Purchased non-covered commercial real-estate (1)		—		2,959		301		1,601		47,461		52,322
Total commercial real-estate		62,704		3,032		40,241		72,652		3,407,131		3,585,760
Home equity		12,881		—		2,049		6,576		818,858		840,364
Residential real estate		5,329		—		453		13,530		341,358		360,670
Purchased non-covered residential real estate (1)		—		—		—		—		657		657
Premium finance receivables
Commercial insurance loans		7,650		4,619		3,360		17,612		1,479,389		1,512,630
Life insurance loans		—		—		—		389		1,132,970		1,133,359
Purchased life insurance loans (1)		—		—		—		—		560,404		560,404
Indirect consumer		152		257		53		317		66,666		67,445
Consumer and other		121		—		20		1,601		109,723		111,465
Purchased non-covered consumer and other (1)		—		—		—		—		174		174
Total loans, net of unearned income, excluding covered loans	$	108,672	$	8,332	$	57,803	$	139,581	$	10,402,996	$	10,717,384
Covered loans		—		182,011		20,254		28,249		460,706		691,220
Total loans, net of unearned income	$	108,672	$	190,343	$	78,057	$	167,830	$	10,863,702	$	11,408,604

(1) Purchased loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30.  Loan agings are based upon contractually required payments.  

As of December 31, 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	$	16,154	$	—	$	7,496	$	15,797	$	1,411,004	$	1,450,451
Franchise		1,792		—		—		—		140,983		142,775
Mortgage warehouse lines of credit		—		—		—		—		180,450		180,450
Community Advantage - homeowners association		—		—		—		—		77,504		77,504
Aircraft		—		—		709		170		19,518		20,397
Asset-based lending		1,072		—		749		11,026		452,890		465,737
Municipal		—		—		—		—		78,319		78,319
Leases		—		—		—		431		71,703		72,134
Other		—		—		—		—		2,125		2,125
Purchased non-covered commercial (1)		—		589		74		—		7,758		8,421
Total commercial		19,018		589		9,028		27,424		2,442,254		2,498,313
Commercial real-estate
Residential construction		1,993		—		4,982		1,721		57,115		65,811
Commercial construction		2,158		—		—		150		167,568		169,876
Land		31,547		—		4,100		6,772		136,112		178,531
Office		10,614		—		2,622		930		540,280		554,446
Industrial		2,002		—		508		4,863		548,429		555,802
Retail		5,366		—		5,268		8,651		517,444		536,729
Multi-family		4,736		—		3,880		347		305,594		314,557
Mixed use and other		8,092		—		7,163		20,814		1,050,585		1,086,654
Purchased non-covered commercial real-estate (1)		—		2,198		—		252		49,405		51,855
Total commercial real-estate		66,508		2,198		28,523		44,500		3,372,532		3,514,261
Home equity		14,164		—		1,351		3,262		843,568		862,345
Residential real estate		6,619		—		2,343		3,112		337,522		349,596
Purchased non-covered residential real estate (1)		—		—		—		—		693		693
Premium finance receivables
Commercial insurance loans		7,755		5,281		3,850		13,787		1,381,781		1,412,454
Life insurance loans		54		—		—		423		1,096,285		1,096,762
Purchased life insurance loans (1)		—		—		—		—		598,463		598,463
Indirect consumer		138		314		113		551		63,429		64,545
Consumer and other		233		—		170		1,070		122,393		123,866
Purchased non-covered consumer and other (1)		—		—		—		2		77		79
Total loans, net of unearned income, excluding covered loans	$	114,489	$	8,382	$	45,378	$	94,131	$	10,258,997	$	10,521,377
Covered loans		—		174,727		25,507		24,799		426,335		651,368
Total loans, net of unearned income	$	114,489	$	183,109	$	70,885	$	118,930	$	10,685,332	$	11,172,745

(1) Purchased loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30.  Loan agings are based upon contractually required payments.

As of March 31, 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	$	24,277	$	150	$	3,233	$	9,201	$	1,240,796	$	1,277,657
Franchise		1,792		—		—		—		112,584		114,376
Mortgage warehouse lines of credit		—		—		—		—		33,482		33,482
Community Advantage - homeowners association		—		—		—		—		75,948		75,948
Aircraft		74		—		—		—		22,243		22,317
Asset-based lending		—		—		216		2,355		299,328		301,899
Municipal		—		—		—		—		60,376		60,376
Leases		14		—		—		88		51,404		51,506
Other		—		—		—		—		—		—
Purchased non-covered commercial (1)		—		—		—		—		—		—
Total commercial		26,157		150		3,449		11,644		1,896,161		1,937,561
Commercial real-estate
Residential construction		7,891		—		1,057		3,587		78,832		91,367
Commercial construction		1,396		692		2,469		680		116,311		121,548
Land		26,974		—		7,366		12,455		183,419		230,214
Office		17,945		—		1,705		3,059		534,558		557,267
Industrial		1,251		524		1,672		8,499		483,690		495,636
Retail		12,824		—		4,994		5,810		499,486		523,114
Multi-family		5,968		—		1,107		5,059		281,729		293,863
Mixed use and other		19,752		781		7,187		19,835		995,998		1,043,553
Purchased non-covered commercial real-estate (1)		—		—		—		—		—		—
Total commercial real-estate		94,001		1,997		27,557		58,984		3,174,023		3,356,562
Home equity		11,184		—		3,366		6,603		870,179		891,332
Residential real estate		4,909		—		918		5,174		333,908		344,909
Purchased non-covered residential real estate (1)		—		—		—		—		—		—
Premium finance receivables
Commercial insurance loans		9,550		6,319		4,433		14,428		1,303,121		1,337,851
Life insurance loans		342		—		1,130		5,580		857,393		864,445
Purchased life insurance loans (1)		—		—		—		—		675,076		675,076
Indirect consumer		320		310		182		657		50,910		52,379
Consumer and other		147		1		185		394		100,960		101,687
Purchased non-covered consumer and other (1)		—		—		—		—		—		—
Total loans, net of unearned income, excluding covered loans	$	146,610	$	8,777	$	41,220	$	103,464	$	9,261,731	$	9,561,802
Covered loans		—		116,298		5,288		24,855		284,858		431,299
Total loans, net of unearned income	$	146,610	$	125,075	$	46,508	$	128,319	$	9,546,589	$	9,993,101

(1) Purchased loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30.  Loan agings are based upon contractually required payments.

Summary Of Recorded Investment Based On Performance Of Loans By Class

	Performing						Non-performing						Total
(Dollars in thousands)	March 31, 2012		December 31, 2011		March 31, 2011		March 31, 2012		December 31, 2011		March 31, 2011		March 31, 2012		December 31, 2011		March 31, 2011
Loan Balances:
Commercial
Commercial and industrial	$	1,488,627	$	1,434,297	$	1,253,230	$	17,392	$	16,154	$	24,427	$	1,506,019	$	1,450,451	$	1,277,657
Franchise		167,485		140,983		112,584		1,792		1,792		1,792		169,277		142,775		114,376
Mortgage warehouse lines of credit		136,438		180,450		33,482		—		—		—		136,438		180,450		33,482
Community Advantage - homeowners association		75,786		77,504		75,948		—		—		—		75,786		77,504		75,948
Aircraft		19,631		20,397		22,243		260		—		74		19,891		20,397		22,317
Asset-based lending		474,420		464,665		301,899		391		1,072		—		474,811		465,737		301,899
Municipal		76,885		78,319		60,376		—		—		—		76,885		78,319		60,376
Leases		77,671		72,134		51,492		—		—		14		77,671		72,134		51,506
Other		1,733		2,125		—		—		—		—		1,733		2,125		—
Purchased non-covered commercial (1)		5,945		8,421		—		—		—		—		5,945		8,421		—
Total commercial		2,524,621		2,479,295		1,911,254		19,835		19,018		26,307		2,544,456		2,498,313		1,937,561
Commercial real-estate
Residential construction		54,304		63,818		83,476		1,807		1,993		7,891		56,111		65,811		91,367
Commercial construction		162,330		167,718		119,460		2,389		2,158		2,088		164,719		169,876		121,548
Land		158,736		146,984		203,240		25,306		31,547		26,974		184,042		178,531		230,214
Office		552,174		543,832		539,322		8,534		10,614		17,945		560,708		554,446		557,267
Industrial		589,039		553,800		493,861		1,864		2,002		1,775		590,903		555,802		495,636
Retail		520,681		531,363		510,290		7,396		5,366		12,824		528,077		536,729		523,114
Multi-family		321,230		309,821		287,895		3,708		4,736		5,968		324,938		314,557		293,863
Mixed use and other		1,112,167		1,078,562		1,023,020		11,773		8,092		20,533		1,123,940		1,086,654		1,043,553
Purchased non-covered commercial real-estate (1)		52,322		51,855		—		—		—		—		52,322		51,855		—
Total commercial real-estate		3,522,983		3,447,753		3,260,564		62,777		66,508		95,998		3,585,760		3,514,261		3,356,562
Home equity		827,483		848,181		880,148		12,881		14,164		11,184		840,364		862,345		891,332
Residential real estate		355,341		342,977		340,000		5,329		6,619		4,909		360,670		349,596		344,909
Purchased non-covered residential real estate (1)		657		693		—		—		—		—		657		693		—
Premium finance receivables
Commercial insurance loans		1,500,361		1,399,418		1,321,982		12,269		13,036		15,869		1,512,630		1,412,454		1,337,851
Life insurance loans		1,133,359		1,096,708		864,103		—		54		342		1,133,359		1,096,762		864,445
Purchased life insurance loans (1)		560,404		598,463		675,076		—		—		—		560,404		598,463		675,076
Indirect consumer		67,036		64,093		51,749		409		452		630		67,445		64,545		52,379
Consumer and other		111,344		123,633		101,539		121		233		148		111,465		123,866		101,687
Purchased non-covered consumer and other (1)		174		79		—		—		—		—		174		79		—
Total loans, net of unearned income, excluding covered loans	$	10,603,763	$	10,401,293	$	9,406,415	$	113,621	$	120,084	$	155,387	$	10,717,384	$	10,521,377	$	9,561,802

(1) Purchased loans represent loans acquired with evidence of credit quality deterioration since origination, in accordance with ASC 310-30.

Summary Of Activity In The Allowance For Credit Losses By Loan Portfolio

Three Months Ended March 31, 2012

(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	$	31,237		$	56,405		$	7,712		$	5,028		$	7,214		$	645		$	2,140		$	110,381
Other adjustments	$	(3	)	$	(222	)	$	1		$	(14	)	$	—		$	—		$	—			(238	)
Reclassification to/from allowance for unfunded lending-related commitments		45			107			—			—			—			—			—			152
Charge-offs		(3,262	)		(8,229	)		(2,590	)		(175	)		(850	)		(51	)		(310	)		(15,467	)
Recoveries		257			131			162			2			298			30			161			1,041
Provision for credit losses		4,945			5,760			2,635			710			1,446			19			(361	)		15,154
Allowance for loan losses at period end	$	33,219		$	53,952		$	7,920		$	5,551		$	8,108		$	643		$	1,630		$	111,023
Allowance for unfunded lending-related commitments at period end	$	—		$	13,078		$	—		$	—		$	—		$	—		$	—		$	13,078
Allowance for credit losses at period end	$	33,219		$	67,030		$	7,920		$	5,551		$	8,108		$	643		$	1,630		$	124,101
Individually evaluated for impairment		3,705			25,336			3,056			1,362			—			7			1			33,467
Collectively evaluated for impairment		29,514			41,694			4,864			4,189			8,108			636			1,629			90,634
Loans acquired with deteriorated credit quality		—			—			—			—			—			—			—			—
Loans at period end
Individually evaluated for impairment	$	29,158		$	197,221		$	14,495		$	10,791		$	—		$	77		$	221		$	251,963
Collectively evaluated for impairment		2,509,353			3,336,217			825,869			349,879			2,645,989			67,368			111,244			9,845,919
Loans acquired with deteriorated credit quality		5,945			52,322			—			657			560,404			—			174			619,502

Three Months Ended March 31, 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		—			2,116			—			—			—			—			—			2,116
Charge-offs		(9,140	)		(13,342	)		(773	)		(1,275	)		(1,537	)		(120	)		(160	)		(26,347	)
Recoveries		266			338			8			2			268			66			53			1,001
Provision for credit losses		5,203			14,390			1,018			1,884			1,640			85			156			24,376
Allowance for loan losses at period end	$	28,106		$	66,120		$	6,466		$	5,718		$	6,690		$	557		$	1,392		$	115,049
Allowance for unfunded lending-related commitments at period end	$	—		$	2,018		$	—		$	—		$	—		$	—		$	—		$	2,018
Allowance for credit losses at period end	$	28,106		$	68,138		$	6,466		$	5,718		$	6,690		$	557		$	1,392		$	117,067
Individually evaluated for impairment	$	5,280		$	20,123		$	1,446		$	258		$	—		$	11		$	3		$	27,121
Collectively evaluated for impairment	$	22,826		$	48,015		$	5,020		$	5,460		$	6,690		$	546		$	1,389		$	89,946
Loans acquired with deteriorated credit quality	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Loans at period end
Individually evaluated for impairment	$	38,777		$	149,203		$	11,184		$	4,114		$	—		$	111		$	147		$	203,536
Collectively evaluated for impairment		1,898,784			3,207,359			880,148			340,795			2,202,296			52,268			101,540			8,683,190
Loans acquired with deteriorated credit quality		—			—			—			—			675,076			—			—			675,076

Summary Of Activity In The Allowance For Covered Loan Losses

	Three Months Ended
	March 31,			March 31,
(Dollars in thousands)	2012			2011
Balance at beginning of period	$	12,977		$	—
Provision for covered loan losses before benefit attributable
to FDIC loss share agreements		11,229			4,844
Benefit attributable to FDIC loss share agreements		(8,983	)		(3,876	)
Net provision for covered loan losses		2,246			968
Increase in FDIC indemnification asset		8,983			3,876
Loans charged-off		(6,523	)		—
Recoveries of loans charged-off		52			—
Net charge-offs		(6,471	)		—
Balance at end of period	$	17,735		$	4,844

Summary Of Impaired Loans, Including Restructured Loans

	March 31,		December 31,		March 31,
(Dollars in thousands)	2012		2011		2011
Impaired loans (included in non-performing and restructured loans):
Impaired loans with an allowance for loan loss required (1)	$	137,805	$	115,779	$	99,735
Impaired loans with no allowance for loan loss required		114,158		110,759		103,801
Total impaired loans (2)	$	251,963	$	226,538	$	203,536
Allowance for loan losses related to impaired loans	$	20,989	$	21,488	$	25,615
Restructured loans	$	165,046	$	130,518	$	96,569

(1) 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.

(2) 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.

Summary Of Impaired Loans Evaluated For Impairment By Loan Class

	As of March 31, 2012						For the Three Months Ended March 31, 2012
(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	$	8,610	$	10,151	$	3,270	$	9,121	$	145
Franchise		1,792		1,792		394		1,792		31
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage - homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		258		258		41		266		3
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		1,807		1,882		390		1,807		24
Commercial construction		4,632		4,632		989		4,572		55
Land		49,766		53,325		4,785		50,889		584
Office		7,974		8,819		2,357		7,857		123
Industrial		460		487		62		467		6
Retail		23,312		23,337		701		22,861		244
Multi-family		6,532		6,532		1,504		6,511		81
Mixed use and other		18,473		19,324		2,070		18,452		224
Home equity		8,409		8,976		3,056		8,480		116
Residential real estate		5,737		6,156		1,362		5,722		48
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		29		29		7		30		1
Consumer and other		14		15		1		15		1
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	18,105	$	21,708	$	—	$	16,614	$	226
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage - homeowners association		—		—		—		—		—
Aircraft		260		260		—		260		5
Asset-based lending		133		1,452		—		622		19
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		3,031		3,102		—		2,847		27
Commercial construction		9,788		9,788		—		9,790		96
Land		14,649		16,952		—		14,720		196
Office		10,187		11,875		—		10,499		128
Industrial		3,827		4,051		—		3,848		49
Retail		14,421		14,562		—		14,535		191
Multi-family		1,916		1,916		—		1,919		25
Mixed use and other		26,446		28,934		—		27,202		374
Home equity		6,086		7,441		—		6,539		72
Residential real estate		5,054		5,818		—		5,056		52
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		48		60		—		51		1
Consumer and other		207		208		—		208		2
Total loans, net of unearned income, excluding covered loans	$	251,963	$	273,842	$	20,989	$	253,552	$	3,149

	As of December 31, 2011						For the Twelve Months Ended December 31, 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	$	7,743	$	9,083	$	2,506	$	9,113	$	510
Franchise		1,792		1,792		394		1,792		122
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage—homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		785		1,452		178		1,360		81
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		1,993		2,068		374		1,993		122
Commercial construction		3,779		3,779		952		3,802		187
Land		27,657		29,602		6,253		29,085		1,528
Office		11,673		13,110		2,873		13,209		709
Industrial		663		676		159		676		46
Retail		13,728		13,732		480		13,300		504
Multi-family		7,149		7,155		1,892		7,216		330
Mixed use and other		20,386		21,337		1,447		21,675		1,027
Home equity		11,828		12,600		2,963		12,318		652
Residential real estate		6,478		6,681		992		6,535		220
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		31		32		5		33		3
Consumer and other		94		95		20		99		7
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	17,680	$	20,365	$	—	$	21,841	$	1,068
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage - homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		287		287		—		483		25
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		4,284		4,338		—		4,189		175
Commercial construction		9,792		9,792		—		10,249		426
Land		15,991		23,097		—		19,139		1,348
Office		9,162		11,421		—		11,235		550
Industrial		4,569		4,780		—		4,750		198
Retail		15,841		15,845		—		15,846		815
Multi-family		2,347		3,040		—		3,026		127
Mixed use and other		22,359		25,015		—		24,370		1,297
Home equity		3,950		4,707		—		4,784		184
Residential real estate		4,314		5,153		—		4,734		191
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		44		55		—		56		6
Consumer and other		139		141		—		146		12
Total loans, net of unearned income, excluding covered loans	$	226,538	$	251,230	$	21,488	$	247,054	$	12,470

	As of March 31, 2011						For the Three Months Ended March 31, 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	$	21,700	$	28,641	$	5,192	$	14,678	$	267
Franchise		—		—		—		—		—
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage - homeowners association		—		—		—		—		—
Aircraft		74		74		74		153		2
Asset-based lending		—		—		—		—		—
Municipal		—		—		—		—		—
Leases		14		14		14		15		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		4,832		5,748		675		4,834		129
Commercial construction		1,396		1,820		108		1,714		25
Land		20,239		22,467		4,004		20,606		344
Office		14,493		14,511		4,723		14,501		224
Industrial		469		472		143		470		6
Retail		11,081		11,585		3,038		11,067		161
Multi-family		5,968		6,824		2,808		5,993		83
Mixed use and other		12,231		13,471		3,118		12,606		239
Home equity		6,135		6,342		1,446		6,161		72
Residential real estate		1,068		1,068		258		1,068		16
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		28		28		11		28		—
Consumer and other		7		8		3		7		—
Impaired loans with no related ASC 310 allowance recorded
Commercial
Commercial and industrial	$	15,197	$	19,477	$	—	$	16,600	$	212
Franchise		1,792		1,792		—		1,792		30
Mortgage warehouse lines of credit		—		—		—		—		—
Community Advantage - homeowners association		—		—		—		—		—
Aircraft		—		—		—		—		—
Asset-based lending		—		—		—		—		—
Municipal		—		—		—		—		—
Leases		—		—		—		—		—
Other		—		—		—		—		—
Commercial real-estate
Residential construction		6,519		6,660		—		6,557		70
Commercial construction		377		377		—		377		4
Land		26,321		37,133		—		27,027		477
Office		12,334		14,843		—		13,716		182
Industrial		7,155		7,626		—		7,511		111
Retail		8,290		10,609		—		10,006		143
Multi-family		856		856		—		856		10
Mixed use and other		16,642		19,990		—		18,387		290
Home equity		5,049		5,476		—		5,339		71
Residential real estate		3,046		3,046		—		3,047		38
Premium finance receivables
Commercial insurance		—		—		—		—		—
Life insurance		—		—		—		—		—
Purchased life insurance		—		—		—		—		—
Indirect consumer		82		91		—		84		2
Consumer and other		141		141		—		143		3
Total impaired loans, net of unearned income, excluding covered loans	$	203,536	$	241,190	$	25,615	$	205,343	$	3,211

Summary Of The Post-Modification Balance Of Loans Restructured

Three months ended March 31, 2012	Total (1)				Extension at Below Market Terms				Reduction of Interest Rate				Modification to Interest- only Payments				Forgiveness of Debt
(Dollars in thousands)	Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance
Commercial
Commercial and industrial		3	$	118		1	$	14		—	$	—		2	$	104		—	$	—
Commercial real-estate
Commercial construction		2		622		2		622		2		622		2		622		—		—
Land		14		27,992		14		27,992		12		27,004		11		22,954		—		—
Office		—		—		—		—		—		—		—		—		—		—
Industrial		—		—		—		—		—		—		—		—		—		—
Retail		5		8,633		5		8,633		5		8,633		4		8,244		—		—
Mixed use and other		3		1,272		3		1,272		2		1,212		2		1,129		—		—
Residential real estate and other		4		1,046		3		927		1		118		2		844		—		—
Total loans		31	$	39,683		28	$	39,460		22	$	37,589		23	$	33,897		—	$	—

(1) Restructured loans may have more than one modification representing a concession. As such, restructured loans during the period may be represented in more than one of the categories noted above.

Three months ended March 31, 2011	Total (1)				Extension at Below Market Terms				Reduction of Interest Rate				Modification to Interest- only Payments				Forgiveness of Debt
(Dollars in thousands)	Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance
Commercial
Commercial and industrial		7	$	1,685		5	$	1,551		4	$	582		4	$	582		2	$	135
Commercial real-estate
Commercial construction		—		—		—		—		—		—		—		—		—		—
Land		1		1,511		1		1,511		—		—		—		—		—		—
Office		3		2,469		2		2,078		1		390		1		1,295		—		—
Industrial		2		3,223		2		3,223		1		1,384		1		1,384		—		—
Retail		—		—		—		—		—		—		—		—		—		—
Mixed use and other		1		284		1		284		1		284		—		—		—		—
Residential real estate and other		1		187		—		—		1		187		1		187		—		—
Total loans		15	$	9,359		11	$	8,647		8	$	2,827		7	$	3,448		2	$	135

(1) Restructured loans may have more than one modification representing a concession. As such, restructured loans during the period may be represented in more than one of the categories noted above.

Summary Of Loans Restructured And Subsequently Defaulted Under The Restructured Terms

	As of March 31, 2012				Three Months Ended March 31, 2012				As of March 31, 2011				Three Months Ended March 31, 2011
	Total (1)				Payments in Default  (2)				Total (1)				Payments in Default  (2)
(Dollars in thousands)	Count		Balance		Count		Balance		Count		Balance		Count		Balance
Commercial
Commercial and industrial		20	$	5,388		6	$	664		38	$	15,222		13	$	4,230
Commercial real-estate
Residential construction		1		1,105		—		—		—		—		—		—
Commercial construction		10		12,762		1		467		3		2,006		1		981
Land		20		34,452		2		1,430		7		7,155		1		347
Office		6		6,401		2		421		8		10,402		1		1,660
Industrial		3		2,110		—		—		4		6,373		—		—
Retail		19		27,746		3		4,299		8		7,249		3		3,141
Multi-family		6		4,414		—		—		4		3,277		1		633
Mixed use and other		35		29,696		7		6,522		17		14,758		3		2,087
Residential real estate and other		19		6,777		3		721		4		1,527		2		450
Total loans		139	$	130,851		24	$	14,524		93	$	67,969		25	$	13,529

(1) Total restructured loans represent all loans restructured during the previous twelve months from the date indicated.

(2) Restructured loans considered to be in payment default are over 30 days past-due subsequent to the restructuring.