Loans And Allowance For Credit Losses (Tables)

3 Months Ended

12 Months Ended

Mar. 31, 2014

Dec. 31, 2012

Loans And Allowance For Credit Losses [Abstract]

Summary Of Major Portfolio Segment And Specific Loan Class



(In thousands)	March 31, 2014		December 31, 2013

Loans held for sale	$	126,344	$	171,328
Commercial:
Commercial and industrial	$	12,511,630	$	12,481,083
Leasing	389,576		387,929
Owner occupied	7,347,813		7,437,195
Municipal	482,074		449,418
Total commercial	20,731,093		20,755,625
Commercial real estate:
Construction and land development	2,263,920		2,182,821
Term	8,080,348		8,005,837
Total commercial real estate	10,344,268		10,188,658
Consumer:
Home equity credit line	2,165,285		2,133,120
1-4 family residential	4,795,484		4,736,665
Construction and other consumer real estate	330,215		324,922
Bankcard and other revolving plans	360,389		356,240
Other	186,089		197,864
Total consumer	7,837,462		7,748,811
FDIC-supported loans	285,313		350,271
Total loans	$	39,198,136	$	39,043,365

Summary Of Changes in The Allowance For Credit Losses

Changes in the allowance for credit losses are summarized as follows:

	Three Months Ended March 31, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			FDIC- supported ¹			Total
Allowance for loan losses:
Balance at beginning of period	$	465,145		$	213,363		$	60,865		$	6,918		$	746,291
Additions:
Provision for loan losses	11,682			(1,567		)	(8,868		)	(1,857		)	(610		)
Adjustment for FDIC-supported loans	—			—			—			(817		)	(817		)
Deductions:
Gross loan and lease charge-offs	(9,124		)	(7,854		)	(3,114		)	(703		)	(20,795		)
Recoveries	6,845			2,604			2,197			1,238			12,884
Net loan and lease charge-offs	(2,279		)	(5,250		)	(917		)	535			(7,911		)
Balance at end of period	$	474,548		$	206,546		$	51,080		$	4,779		$	736,953

Reserve for unfunded lending commitments:
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	—		$	89,705
Provision charged (credited) to earnings	1,525			(2,212		)	(325		)	—			(1,012		)
Balance at end of period	$	49,870		$	35,273		$	3,550		$	—		$	88,693

Total allowance for credit losses at end of period:
Allowance for loan losses	$	474,548		$	206,546		$	51,080		$	4,779		$	736,953
Reserve for unfunded lending commitments	49,870			35,273			3,550			—			88,693
Total allowance for credit losses	$	524,418		$	241,819		$	54,630		$	4,779		$	825,646



	Three Months Ended March 31, 2013
(In thousands)	Commercial			Commercial real estate			Consumer			FDIC- supported ¹			Total
Allowance for loan losses:
Balance at beginning of period	$	510,908		$	276,976		$	95,656		$	12,547		$	896,087
Additions:
Provision for loan losses	(3,229		)	(18,628		)	(5,020		)	(2,158		)	(29,035		)
Adjustment for FDIC-supported loans	—			—			—			(7,429		)	(7,429		)
Deductions:
Gross loan and lease charge-offs	(18,100		)	(7,224		)	(9,937		)	(206		)	(35,467		)
Recoveries	7,351			5,297			3,923			1,054			17,625
Net loan and lease charge-offs	(10,749		)	(1,927		)	(6,014		)	848			(17,842		)
Balance at end of period	$	496,930		$	256,421		$	84,622		$	3,808		$	841,781

Reserve for unfunded lending commitments:
Balance at beginning of period	$	67,374		$	37,852		$	1,583		$	—		$	106,809
Provision charged (credited) to earnings	(1,742		)	(4,612		)	—			—			(6,354		)
Balance at end of period	$	65,632		$	33,240		$	1,583		$	—		$	100,455

Total allowance for credit losses at end of period:
Allowance for loan losses	$	496,930		$	256,421		$	84,622		$	3,808		$	841,781
Reserve for unfunded lending commitments	65,632			33,240			1,583			—			100,455
Total allowance for credit losses	$	562,562		$	289,661		$	86,205		$	3,808		$	942,236

¹The Purchased Loans section following contains further discussion related to FDIC-supported loans.

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In thousands)	March 31, 2014		December 31, 2013

Commercial:
Commercial and industrial	$	108,618	$	97,960
Leasing	684		757
Owner occupied	127,140		136,281
Municipal	9,947		9,986
Total commercial	246,389		244,984
Commercial real estate:
Construction and land development	29,061		29,205
Term	59,202		60,380
Total commercial real estate	88,263		89,585
Consumer:
Home equity credit line	9,624		8,969
1-4 family residential	48,023		53,002
Construction and other consumer real estate	3,424		3,510
Bankcard and other revolving plans	882		1,365
Other	944		804
Total consumer loans	62,897		67,650
FDIC-supported loans	4,117		4,394
Total	$	401,666	$	406,613

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:

	March 31, 2014
(In thousands)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current¹

Commercial:
Commercial and industrial	$	12,403,866	$	53,684	$	54,080	$	107,764	$	12,511,630	$	826	$	45,137
Leasing	389,201		181		194		375		389,576		—		490
Owner occupied	7,262,832		44,218		40,763		84,981		7,347,813		130		71,445
Municipal	473,263		—		8,811		8,811		482,074		—		1,136
Total commercial	20,529,162		98,083		103,848		201,931		20,731,093		956		118,208
Commercial real estate:
Construction and land development	2,246,891		5,518		11,511		17,029		2,263,920		—		16,934
Term	8,023,737		31,597		25,014		56,611		8,080,348		3,992		21,690
Total commercial real estate	10,270,628		37,115		36,525		73,640		10,344,268		3,992		38,624
Consumer:
Home equity credit line	2,151,938		6,305		7,042		13,347		2,165,285		—		2,145
1-4 family residential	4,765,571		11,351		18,562		29,913		4,795,484		702		25,889
Construction and other consumer real estate	326,297		3,035		883		3,918		330,215		—		2,100
Bankcard and other revolving plans	357,596		1,722		1,071		2,793		360,389		1,008		739
Other	184,687		625		777		1,402		186,089		3		127
Total consumer loans	7,786,089		23,038		28,335		51,373		7,837,462		1,713		31,000
FDIC-supported loans	247,399		4,390		33,524		37,914		285,313		31,530		1,572
Total	$	38,833,278	$	162,626	$	202,232	$	364,858	$	39,198,136	$	38,191	$	189,404



	December 31, 2013
(In thousands)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current¹

Commercial:
Commercial and industrial	$	12,387,546	$	48,811	$	44,726	$	93,537	$	12,481,083	$	1,855	$	52,412
Leasing	387,526		173		230		403		387,929		36		563
Owner occupied	7,357,618		36,718		42,859		79,577		7,437,195		744		82,072
Municipal	440,608		3,307		5,503		8,810		449,418		—		1,176
Total commercial	20,573,298		89,009		93,318		182,327		20,755,625		2,635		136,223
Commercial real estate:
Construction and land development	2,162,018		8,967		11,836		20,803		2,182,821		23		17,311
Term	7,971,327		15,362		19,148		34,510		8,005,837		5,580		42,624
Total commercial real estate	10,133,345		24,329		30,984		55,313		10,188,658		5,603		59,935
Consumer:
Home equity credit line	2,122,549		8,001		2,570		10,571		2,133,120		98		2,868
1-4 family residential	4,704,852		8,526		23,287		31,813		4,736,665		667		27,592
Construction and other consumer real estate	322,807		1,038		1,077		2,115		324,922		—		2,232
Bankcard and other revolving plans	353,060		2,093		1,087		3,180		356,240		900		1,105
Other	196,327		827		710		1,537		197,864		54		125
Total consumer loans	7,699,595		20,485		28,731		49,216		7,748,811		1,719		33,922
FDIC-supported loans	305,709		12,026		32,536		44,562		350,271		30,391		1,975
Total	$	38,711,947	$	145,849	$	185,569	$	331,418	$	39,043,365	$	40,348	$	232,055

¹Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators



	March 31, 2014
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance

Commercial:
Commercial and industrial	$	11,722,928	$	340,409	$	436,572	$	11,721	$	12,511,630
Leasing	383,454		992		5,130		—		389,576
Owner occupied	6,762,002		167,655		417,828		328		7,347,813
Municipal	472,127		—		9,947		—		482,074
Total commercial	19,340,511		509,056		869,477		12,049		20,731,093		$	474,548
Commercial real estate:
Construction and land development	2,192,237		14,181		57,502		—		2,263,920
Term	7,675,747		149,016		253,739		1,846		8,080,348
Total commercial real estate	9,867,984		163,197		311,241		1,846		10,344,268		206,546
Consumer:
Home equity credit line	2,140,762		—		24,523		—		2,165,285
1-4 family residential	4,732,423		—		63,061		—		4,795,484
Construction and other consumer real estate	321,328		—		8,887		—		330,215
Bankcard and other revolving plans	358,045		—		2,344		—		360,389
Other	184,863		—		1,226		—		186,089
Total consumer loans	7,737,421		—		100,041		—		7,837,462		51,080
FDIC-supported loans	181,100		19,366		84,847		—		285,313		4,779
Total	$	37,127,016	$	691,619	$	1,365,606	$	13,895	$	39,198,136	$	736,953



	December 31, 2013
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance

Commercial:
Commercial and industrial	$	11,807,825	$	303,598	$	360,391	$	9,269	$	12,481,083
Leasing	380,268		2,050		5,611		—		387,929
Owner occupied	6,827,464		184,328		425,403		—		7,437,195
Municipal	439,432		—		9,986		—		449,418
Total commercial	19,454,989		489,976		801,391		9,269		20,755,625		$	465,145
Commercial real estate:
Construction and land development	2,107,828		15,010		59,983		—		2,182,821
Term	7,569,472		172,856		263,509		—		8,005,837
Total commercial real estate	9,677,300		187,866		323,492		—		10,188,658		213,363
Consumer:
Home equity credit line	2,111,475		—		21,645		—		2,133,120
1-4 family residential	4,668,841		—		67,824		—		4,736,665
Construction and other consumer real estate	313,881		—		11,041		—		324,922
Bankcard and other revolving plans	353,618		—		2,622		—		356,240
Other	196,770		—		1,094		—		197,864
Total consumer loans	7,644,585		—		104,226		—		7,748,811		60,865
FDIC-supported loans	232,893		22,532		94,846		—		350,271		6,918
Total	$	37,009,767	$	700,374	$	1,323,955	$	9,269	$	39,043,365	$	746,291

Summary Of Information On Impaired Loans



	March 31, 2014
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	201,765	$	36,155	$	140,988	$	177,143	$	31,319
Owner occupied	146,504		59,435		71,281		130,716		8,487
Total commercial	348,269		95,590		212,269		307,859		39,806
Commercial real estate:
Construction and land development	70,088		28,680		30,460		59,140		2,865
Term	175,713		70,196		62,043		132,239		3,634
Total commercial real estate	245,801		98,876		92,503		191,379		6,499
Consumer:
Home equity credit line	18,145		13,095		2,177		15,272		67
1-4 family residential	94,639		39,589		39,841		79,430		9,790
Construction and other consumer real estate	4,241		2,341		986		3,327		179
Other	630		630		—		630		—
Total consumer loans	117,655		55,655		43,004		98,659		10,036
FDIC-supported loans	321,798		91,487		158,698		250,185		4,251
Total	$	1,033,523	$	341,608	$	506,474	$	848,082	$	60,592



	December 31, 2013
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	178,281	$	30,092	$	126,692	$	156,784	$	23,687
Owner occupied	151,499		50,361		88,584		138,945		13,900
Total commercial	329,780		80,453		215,276		295,729		37,587
Commercial real estate:
Construction and land development	85,440		19,206		50,744		69,950		3,483
Term	171,826		34,258		112,330		146,588		7,981
Total commercial real estate	257,266		53,464		163,074		216,538		11,464
Consumer:
Home equity credit line	17,547		12,568		2,200		14,768		178
1-4 family residential	95,613		38,775		42,132		80,907		10,276
Construction and other consumer real estate	4,713		2,643		933		3,576		175
Bankcard and other revolving plans	726		726		—		726		—
Other	—		—		—		—		—
Total consumer loans	118,599		54,712		45,265		99,977		10,629
FDIC-supported loans	404,308		83,917		228,392		312,309		6,526
Total	$	1,109,953	$	272,546	$	652,007	$	924,553	$	66,206



	Three Months Ended March 31, 2014					Three Months Ended March 31, 2013
(In thousands)	Average recorded investment		Interest income recognized			Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	175,155	$	1,024		$	177,745	$	856
Owner occupied	137,175		752			182,825		806
Total commercial	312,330		1,776			360,570		1,662
Commercial real estate:
Construction and land development	62,548		552			147,225		664
Term	149,425		1,294			289,103		1,836
Total commercial real estate	211,973		1,846			436,328		2,500
Consumer:
Home equity credit line	14,952		135			11,455		59
1-4 family residential	80,154		448			99,191		382
Construction and other consumer real estate	3,332		35			6,122		46
Other	704		—			1,816		—
Total consumer loans	99,142		618			118,584		487
FDIC-supported loans	283,782		22,305		¹	447,841		25,153		¹
Total	$	907,227	$	26,545		$	1,363,323	$	29,802

¹The balance of interest income recognized results primarily from accretion of interest income on impaired FDIC-supported loans.

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:

	March 31, 2014
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	41,739	$	7,409	$	10,137	$	—	$	59,285
Collectively evaluated for impairment	432,809		199,137		40,943		528		673,417
Purchased loans with evidence of credit deterioration	—		—		—		4,251		4,251
Total	$	474,548	$	206,546	$	51,080	$	4,779	$	736,953

Outstanding loan balances:
Individually evaluated for impairment	$	329,389	$	240,384	$	100,680	$	1,218	$	671,671
Collectively evaluated for impairment	20,401,704		10,103,884		7,736,782		35,128		38,277,498
Purchased loans with evidence of credit deterioration	—		—		—		248,967		248,967
Total	$	20,731,093	$	10,344,268	$	7,837,462	$	285,313	$	39,198,136



	December 31, 2013
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	39,288	$	12,510	$	10,701	$	—	$	62,499
Collectively evaluated for impairment	425,857		200,853		50,164		392		677,266
Purchased loans with evidence of credit deterioration	—		—		—		6,526		6,526
Total	$	465,145	$	213,363	$	60,865	$	6,918	$	746,291

Outstanding loan balances:
Individually evaluated for impairment	$	315,604	$	262,907	$	101,545	$	1,224	$	681,280
Collectively evaluated for impairment	20,440,021		9,925,751		7,647,266		37,963		38,051,001
Purchased loans with evidence of credit deterioration	—		—		—		311,084		311,084
Total	$	20,755,625	$	10,188,658	$	7,748,811	$	350,271	$	39,043,365

Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type



	Three Months Ended March 31, 2014						Three Months Ended March 31, 2013
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	—	$	—	$	—	$	25	$	25
Owner occupied	—		—		—		—		135		135
Total commercial	—		—		—		—		160		160
Commercial real estate:
Term	—		84		84		—		1,071		1,071
Total commercial real estate	—		84		84		—		1,071		1,071
Consumer:
Home equity credit line	—		217		217		—		85		85
Construction and other consumer real estate	—		26		26		—		—		—
Total consumer loans	—		243		243		—		85		85
Total	$	—	$	327	$	327	$	—	$	1,316	$	1,316



	March 31, 2014
	Recorded investment resulting from the following modification types:
(In thousands)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	640	$	8,738	$	21	$	3,553	$	4,214	$	64,547	$	81,713
Owner occupied	22,484		1,072		980		1,282		9,573		21,437		56,828
Total commercial	23,124		9,810		1,001		4,835		13,787		85,984		138,541
Commercial real estate:
Construction and land development	—		8,003		—		1,077		562		23,328		32,970
Term	8,603		8,980		188		3,695		4,151		59,215		84,832
Total commercial real estate	8,603		16,983		188		4,772		4,713		82,543		117,802
Consumer:
Home equity credit line	742		34		10,158		—		164		426		11,524
1-4 family residential	2,608		55		6,966		638		1,437		37,323		49,027
Construction and other consumer real estate	123		326		49		—		—		1,494		1,992
Total consumer loans	3,473		415		17,173		638		1,601		39,243		62,543
Total accruing	35,200		27,208		18,362		10,245		20,101		207,770		318,886
Nonaccruing
Commercial:
Commercial and industrial	1,881		6,412		—		412		409		18,800		27,914
Owner occupied	2,678		1,184		1,037		1,558		6,917		16,599		29,973
Total commercial	4,559		7,596		1,037		1,970		7,326		35,399		57,887
Commercial real estate:
Construction and land development	11,555		1,075		—		—		1,645		11,895		26,170
Term	2,311		84		—		1,867		392		15,577		20,231
Total commercial real estate	13,866		1,159		—		1,867		2,037		27,472		46,401
Consumer:
Home equity credit line	—		—		793		—		217		69		1,079
1-4 family residential	4,249		48		1,784		—		3,257		14,581		23,919
Construction and other consumer real estate	4		1,105		—		—		—		139		1,248
Bankcard and other revolving plans	—		—		—		—		—		—		—
Total consumer loans	4,253		1,153		2,577		—		3,474		14,789		26,246
Total nonaccruing	22,678		9,908		3,614		3,837		12,837		77,660		130,534
Total	$	57,878	$	37,116	$	21,976	$	14,082	$	32,938	$	285,430	$	449,420



	December 31, 2013
	Recorded investment resulting from the following modification types:
(In thousands)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	1,143	$	9,848	$	11,491	$	3,217	$	4,308	$	53,117	$	83,124
Owner occupied	22,841		1,482		987		1,291		9,659		23,576		59,836
Total commercial	23,984		11,330		12,478		4,508		13,967		76,693		142,960
Commercial real estate:
Construction and land development	1,067		8,231		—		1,063		4,119		28,295		42,775
Term	7,542		9,241		190		3,783		14,932		61,024		96,712
Total commercial real estate	8,609		17,472		190		4,846		19,051		89,319		139,487
Consumer:
Home equity credit line	743		—		9,438		—		323		332		10,836
1-4 family residential	2,628		997		6,814		643		3,083		35,869		50,034
Construction and other consumer real estate	128		329		11		—		—		1,514		1,982
Total consumer loans	3,499		1,326		16,263		643		3,406		37,715		62,852
Total accruing	36,092		30,128		28,931		9,997		36,424		203,727		345,299
Nonaccruing
Commercial:
Commercial and industrial	2,028		6,989		—		473		8,948		10,395		28,833
Owner occupied	3,020		1,489		1,043		1,593		10,482		14,927		32,554
Total commercial	5,048		8,478		1,043		2,066		19,430		25,322		61,387
Commercial real estate:
Construction and land development	11,699		1,555		—		—		5,303		8,617		27,174
Term	2,126		—		—		1,943		315		14,861		19,245
Total commercial real estate	13,825		1,555		—		1,943		5,618		23,478		46,419
Consumer:
Home equity credit line	—		—		1,036		—		221		—		1,257
1-4 family residential	4,315		1,396		1,606		—		3,901		14,109		25,327
Construction and other consumer real estate	4		1,260		—		—		—		229		1,493
Bankcard and other revolving plans	—		252		—		—		—		—		252
Total consumer loans	4,319		2,908		2,642		—		4,122		14,338		28,329
Total nonaccruing	23,192		12,941		3,685		4,009		29,170		63,138		136,135
Total	$	59,284	$	43,069	$	32,616	$	14,006	$	65,594	$	266,865	$	481,434

¹Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.

²Includes TDRs that resulted from a combination of any of the previous modification types.

Schedule Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans



(In thousands)	Three Months Ended March 31,
	2014			2013
Commercial:
Commercial and industrial	$	212		$	(181	)
Owner occupied	(1,709		)	(1,060		)
Total commercial	(1,497		)	(1,241		)
Commercial real estate:
Construction and land development	(666		)	(416		)
Term	(1,778		)	(2,659		)
Total commercial real estate	(2,444		)	(3,075		)
Consumer:
Home equity credit line	(24		)	(39		)
1-4 family residential	(3,601		)	(3,860		)
Construction and other consumer real estate	(105		)	(109		)
Total consumer loans	(3,730		)	(4,008		)
Total decrease to interest income¹	$	(7,671	)	$	(8,324	)

¹Calculated based on the difference between the modified rate and the premodified rate applied to the recorded investment.

Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans



(In thousands)	March 31, 2014		December 31, 2013

Commercial	$	130,834	$	150,191
Commercial real estate	173,714		233,720
Consumer	23,724		28,608
Outstanding balance	$	328,272	$	412,519

Carrying amount	$	249,563	$	311,797
ALLL	4,203		6,478
Carrying amount, net	$	245,360	$	305,319

Schedule Of Changes In The Accretable Yield For PCI Loans



(In thousands)	Three Months Ended March 31,
(In thousands)	2014			2013

Balance at beginning of period	$	77,528		$	134,461
Accretion	(22,307		)	(25,266		)
Reclassification from nonaccretable difference	8,920			14,872
Disposals and other	1,624			2,292
Balance at end of period	$	65,765		$	126,359