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Loans And Allowance For Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Financing Receivable, Modifications [Line Items]    
Schedule of Quantitative Information about Derecognized Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together [Table Text Block]
(In billions)
June 30,
2014
 
December 31,
2013
 
 
 
 
Loan Servicing Assets
$
1.2

 
$
1.2

  
Summary Of Major Portfolio Segment And Specific Loan Class
(In thousands)
June 30,
2014
 
December 31,
2013
 
 
 
 
Loans held for sale
$
164,374

 
$
171,328

 
 
 
 
Commercial:
 
 
 
Commercial and industrial
$
12,805,303

 
$
12,481,083

Leasing
415,205

 
387,929

Owner occupied
7,386,414

 
7,437,195

Municipal
522,327

 
449,418

Total commercial
21,129,249

 
20,755,625

Commercial real estate:
 
 
 
Construction and land development
2,340,249

 
2,182,821

Term
7,968,625

 
8,005,837

Total commercial real estate
10,308,874

 
10,188,658

Consumer:
 
 
 
Home equity credit line
2,204,174

 
2,133,120

1-4 family residential
4,827,067

 
4,736,665

Construction and other consumer real estate
338,170

 
324,922

Bankcard and other revolving plans
376,366

 
356,240

Other
195,895

 
197,864

Total consumer
7,941,672

 
7,748,811

FDIC-supported/PCI loans
250,568

 
350,271

Total loans
$
39,630,363

 
$
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 June 30, 2014
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
FDIC-
supported/PCI 1
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
474,548

 
$
206,546

 
$
51,080

 
$
4,779

 
$
736,953

Additions:
 
 
 
 
 
 
 
 
 
Provision for loan losses
(29,878
)
 
(19,348
)
 
(5,232
)
 
42

 
(54,416
)
Adjustment for FDIC-supported/PCI loans

 

 

 
(444
)
 
(444
)
Deductions:
 
 
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(15,003
)
 
(2,961
)
 
(4,258
)
 
(1,178
)
 
(23,400
)
Recoveries
10,567

 
3,024

 
2,945

 
678

 
17,214

Net loan and lease charge-offs
(4,436
)
 
63

 
(1,313
)
 
(500
)
 
(6,186
)
Balance at end of period
$
440,234

 
$
187,261

 
$
44,535

 
$
3,877

 
$
675,907

 
 
 
 
 
 
 
 
 
 
Reserve for unfunded lending commitments:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
49,870

 
$
35,273

 
$
3,550

 
$
—

 
$
88,693

Provision charged (credited) to earnings
2,931

 
3,416

 
432

 
—

 
6,779

Balance at end of period
$
52,801

 
$
38,689

 
$
3,982

 
$
—

 
$
95,472

 
 
 
 
 
 
 
 
 
 
Total allowance for credit losses at end of period:
 
 
 
 
 
 
 
 
Allowance for loan losses
$
440,234

 
$
187,261

 
$
44,535

 
$
3,877

 
$
675,907

Reserve for unfunded lending commitments
52,801

 
38,689

 
3,982

 
—

 
95,472

Total allowance for credit losses
$
493,035

 
$
225,950

 
$
48,517

 
$
3,877

 
$
771,379



 
Six Months Ended June 30, 2014
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
FDIC-
supported/PCI 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
(18,196
)
 
(20,915
)
 
(14,100
)
 
(1,815
)
 
(55,026
)
Adjustment for FDIC-supported/PCI loans

 

 

 
(1,261
)
 
(1,261
)
Deductions:
 
 
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(24,127
)
 
(10,815
)
 
(7,372
)
 
(1,881
)
 
(44,195
)
Recoveries
17,412

 
5,628

 
5,142

 
1,916

 
30,098

Net loan and lease charge-offs
(6,715
)
 
(5,187
)
 
(2,230
)
 
35

 
(14,097
)
Balance at end of period
$
440,234

 
$
187,261

 
$
44,535

 
$
3,877

 
$
675,907

 
 
 
 
 
 
 
 
 
 
Reserve for unfunded lending commitments:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
48,345

 
$
37,485

 
$
3,875

 
$
—

 
$
89,705

Provision charged (credited) to earnings
4,456

 
1,204

 
107

 
—

 
5,767

Balance at end of period
$
52,801

 
$
38,689

 
$
3,982

 
$
—

 
$
95,472

 
 
 
 
 
 
 
 
 
 
Total allowance for credit losses at end of period:
 
 
 
 
 
 
 
 
Allowance for loan losses
$
440,234

 
$
187,261

 
$
44,535

 
$
3,877

 
$
675,907

Reserve for unfunded lending commitments
52,801

 
38,689

 
3,982

 
—

 
95,472

Total allowance for credit losses
$
493,035

 
$
225,950

 
$
48,517

 
$
3,877

 
$
771,379


 
Three Months Ended June 30, 2013
(In thousands)
Commercial

Commercial
real estate

Consumer

FDIC-
supported/PCI 1

Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
496,930

 
$
256,421

 
$
84,622

 
$
3,808

 
$
841,781

Additions:
 
 
 
 
 
 
 
 
 
Provision for loan losses
(5,182
)
 
(11,222
)
 
(8,274
)
 
2,688

 
(21,990
)
Adjustment for FDIC-supported/PCI loans
—

 
—

 
—

 
(209
)
 
(209
)
Deductions:
 
 
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(18,508
)
 
(6,107
)
 
(9,102
)
 
(1,382
)
 
(35,099
)
Recoveries
13,113

 
12,186

 
3,120

 
1,010

 
29,429

Net loan and lease charge-offs
(5,395
)
 
6,079

 
(5,982
)
 
(372
)
 
(5,670
)
Balance at end of period
$
486,353

 
$
251,278

 
$
70,366

 
$
5,915

 
$
813,912


 
 
 
 
 
 
 
 
 
Reserve for unfunded lending commitments:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
65,632

 
$
33,240

 
$
1,583

 
$
—

 
$
100,455

Provision charged (credited) to earnings
(2,360
)
 
6,214

 
(227
)
 
—

 
3,627

Balance at end of period
$
63,272

 
$
39,454

 
$
1,356

 
$
—

 
$
104,082


 
 
 
 
 
 
 
 
 
Total allowance for credit losses at end of period:
 
 
 
 
 
 
 
 
Allowance for loan losses
$
486,353

 
$
251,278

 
$
70,366

 
$
5,915

 
$
813,912

Reserve for unfunded lending commitments
63,272

 
39,454

 
1,356

 
—

 
104,082

Total allowance for credit losses
$
549,625

 
$
290,732

 
$
71,722

 
$
5,915

 
$
917,994


 
Six Months Ended June 30, 2013
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
FDIC-
supported/PCI 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
(8,411
)
 
(29,850
)
 
(13,294
)
 
530

 
(51,025
)
Adjustment for FDIC-supported/PCI loans
—

 
—

 
—

 
(7,638
)
 
(7,638
)
Deductions:
 
 
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(36,608
)
 
(13,331
)
 
(19,039
)
 
(1,588
)
 
(70,566
)
Recoveries
20,464

 
17,483

 
7,043

 
2,064

 
47,054

Net loan and lease charge-offs
(16,144
)
 
4,152

 
(11,996
)
 
476

 
(23,512
)
Balance at end of period
$
486,353

 
$
251,278

 
$
70,366

 
$
5,915

 
$
813,912

 
 
 
 
 
 
 
 
 
 
Reserve for unfunded lending commitments:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
67,374

 
$
37,852

 
$
1,583

 
$
—

 
$
106,809

Provision charged (credited) to earnings
(4,102
)
 
1,602

 
(227
)
 
—

 
(2,727
)
Balance at end of period
$
63,272

 
$
39,454


$
1,356


$
—


$
104,082

 
 
 
 
 
 
 
 
 
 
Total allowance for credit losses at end of period:
 
 
 
 
 
 
 
 
Allowance for loan losses
$
486,353

 
$
251,278


$
70,366


$
5,915

 
$
813,912

Reserve for unfunded lending commitments
63,272

 
39,454


1,356


—

 
104,082

Total allowance for credit losses
$
549,625

 
$
290,732


$
71,722


$
5,915


$
917,994

1 The Purchased Loans section following contains further discussion related to FDIC-supported/PCI loans.
  
Summary Of Nonaccrual Loans
Nonaccrual loans are summarized as follows:
(In thousands)
June 30,
2014
 
December 31,
2013
 
 
 
 
Loans held for sale
$
29,453

 
$
—

Commercial:
 
 
 
Commercial and industrial
$
82,646

 
$
97,960

Leasing
668

 
757

Owner occupied
100,617

 
136,281

Municipal
8,951

 
9,986

Total commercial
192,882

 
244,984

Commercial real estate:
 
 
 
Construction and land development
23,616

 
29,205

Term
44,042

 
60,380

Total commercial real estate
67,658

 
89,585

Consumer:
 
 
 
Home equity credit line
11,367

 
8,969

1-4 family residential
44,668

 
53,002

Construction and other consumer real estate
2,462

 
3,510

Bankcard and other revolving plans
600

 
1,365

Other
325

 
804

Total consumer loans
59,422

 
67,650

FDIC-supported/PCI loans
2,032

 
4,394

Total
$
321,994

 
$
406,613

  
Summary Of Past Due Loans (Accruing And Nonaccruing)
Past due loans (accruing and nonaccruing) are summarized as follows:
 
June 30, 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
current 1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
157,062

 
$
4,479

 
$
2,833

 
$
7,312

 
$
164,374

 
$
—

 
$
22,141

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,694,068

 
$
67,955

 
$
43,280

 
$
111,235

 
$
12,805,303

 
$
1,537

 
$
27,058

Leasing
414,954

 
—

 
251

 
251

 
415,205

 
—

 
417

Owner occupied
7,321,609

 
22,324

 
42,481

 
64,805

 
7,386,414

 
2,145

 
58,200

Municipal
517,581

 
4,746

 
—

 
4,746

 
522,327

 
—

 
4,205

Total commercial
20,948,212

 
95,025

 
86,012

 
181,037

 
21,129,249

 
3,682

 
89,880

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,328,070

 
296

 
11,883

 
12,179

 
2,340,249

 
2,239

 
13,972

Term
7,922,149

 
17,603

 
28,873

 
46,476

 
7,968,625

 
5,648

 
18,509

Total commercial real estate
10,250,219

 
17,899

 
40,756

 
58,655

 
10,308,874

 
7,887

 
32,481

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,191,199

 
4,113

 
8,862

 
12,975

 
2,204,174

 
—

 
1,827

1-4 family residential
4,798,122

 
10,523

 
18,422

 
28,945

 
4,827,067

 
1,126

 
21,729

Construction and other consumer real estate
336,016

 
1,049

 
1,105

 
2,154

 
338,170

 
164

 
1,323

Bankcard and other revolving plans
374,012

 
1,273

 
1,081

 
2,354

 
376,366

 
869

 
337

Other
195,164

 
520

 
211

 
731

 
195,895

 
—

 
113

Total consumer loans
7,894,513

 
17,478

 
29,681

 
47,159

 
7,941,672

 
2,159

 
25,329

FDIC-supported/PCI loans
203,683

 
8,144

 
38,741

 
46,885

 
250,568

 
38,018

 
1,131

Total
$
39,296,627

 
$
138,546

 
$
195,190

 
$
333,736

 
$
39,630,363

 
$
51,746

 
$
148,821


 
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
current 1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
171,328

 
$
—

 
$
—

 
$
—

 
$
171,328

 
$
—

 
$
—

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/PCI 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

1 Represents 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
 
June 30, 2014
(In thousands)
Pass
 
Special
Mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
148,381

 
$
15,993

 
$
—

 
$
—

 
$
164,374

 
$
—

Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,105,752

 
$
237,639

 
$
459,167

 
$
2,745

 
$
12,805,303

 
 
Leasing
408,963

 
3,801

 
2,441

 
—

 
415,205

 
 
Owner occupied
6,801,947

 
201,329

 
383,138

 
—

 
7,386,414

 
 
Municipal
513,376

 
—

 
8,951

 
—

 
522,327

 
 
Total commercial
19,830,038

 
442,769

 
853,697

 
2,745

 
21,129,249

 
$
440,234

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,279,946

 
9,334

 
50,969

 
—

 
2,340,249

 
 
Term
7,634,361

 
107,039

 
227,225

 
—

 
7,968,625

 
 
Total commercial real estate
9,914,307

 
116,373

 
278,194

 
—

 
10,308,874

 
187,261

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,182,585

 
—

 
21,589

 
—

 
2,204,174

 
 
1-4 family residential
4,767,970

 
—

 
59,097

 
—

 
4,827,067

 
 
Construction and other consumer real estate
332,101

 
—

 
6,069

 
—

 
338,170

 
 
Bankcard and other revolving plans
374,281

 
—

 
2,085

 
—

 
376,366

 
 
Other
195,323

 
—

 
572

 
—

 
195,895

 
 
Total consumer loans
7,852,260

 
—

 
89,412

 
—

 
7,941,672

 
44,535

FDIC-supported/PCI loans
153,253

 
17,286

 
80,029

 
—

 
250,568

 
3,877

Total
$
37,749,858

 
$
576,428

 
$
1,301,332

 
$
2,745

 
$
39,630,363

 
$
675,907


 
December 31, 2013
(In thousands)
Pass
 
Special
Mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
171,328

 
$
—

 
$
—

 
$
—

 
$
171,328

 
$
—

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/PCI 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
The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
 
June 30, 2014
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
FDIC-
supported/PCI
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
35,940

 
$
5,788

 
$
9,260

 
$
—

 
$
50,988

Collectively evaluated for impairment
404,294

 
181,473

 
35,275

 
37

 
621,079

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
3,840

 
3,840

Total
$
440,234

 
$
187,261

 
$
44,535

 
$
3,877

 
$
675,907

 
 
 
 
 
 
 
 
 
 
Outstanding loan balances:
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
304,303

 
$
219,238

 
$
97,668

 
$
1,229

 
$
622,438

Collectively evaluated for impairment
20,824,946

 
10,089,636

 
7,844,004

 
35,657

 
38,794,243

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
213,682

 
213,682

Total
$
21,129,249

 
$
10,308,874

 
$
7,941,672

 
$
250,568

 
$
39,630,363

 
 
December 31, 2013
(In thousands)
Commercial
 
Commercial
real estate
 
Consumer
 
FDIC-
supported/PCI
 
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
 
June 30, 2014
(In thousands)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
212,998

 
$
19,380

 
$
139,936

 
$
159,316

 
$
24,970

Owner occupied
132,060

 
49,728

 
62,514

 
112,242

 
5,604

Municipal
9,429

 
1,106

 
7,844

 
8,950

 
1,798

Total commercial
354,487

 
70,214

 
210,294

 
280,508

 
32,372

Commercial real estate:
 
 
 
 
 
 
 
 
 
Construction and land development
62,346

 
22,454

 
30,339

 
52,793

 
2,433

Term
150,332

 
72,672

 
33,659

 
106,331

 
1,894

Total commercial real estate
212,678

 
95,126

 
63,998

 
159,124

 
4,327

Consumer:
 
 
 
 
 
 
 
 
 
Home equity credit line
19,981

 
11,463

 
5,164

 
16,627

 
155

1-4 family residential
88,987

 
39,138

 
35,961

 
75,099

 
8,584

Construction and other consumer real estate
3,903

 
1,608

 
1,094

 
2,702

 
242

Bankcard and other revolving plans
—

 
—

 
—

 
—

 
—

Total consumer loans
112,871

 
52,209

 
42,219

 
94,428

 
8,981

FDIC-supported/PCI loans
282,088

 
94,740

 
120,171

 
214,911

 
3,840

Total
$
962,124

 
$
312,289

 
$
436,682

 
$
748,971

 
$
49,520


 
December 31, 2013
(In thousands)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
167,816

 
$
28,917

 
$
117,881

 
$
146,798

 
$
22,462

Owner occupied
151,499

 
50,361

 
88,584

 
138,945

 
13,900

Municipal
10,465

 
1,175

 
8,811

 
9,986

 
1,225

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

 
—

Total consumer loans
118,599

 
54,712

 
45,265

 
99,977

 
10,629

FDIC-supported/PCI 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
June 30, 2014
 
Six Months Ended
June 30, 2014
 
(In thousands)

Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
 
Commercial:
 
 
 
 
 
 
 
 
Commercial and industrial
$
182,556

 
$
875

 
$
175,150

 
$
1,898

 
Owner occupied
139,901

 
752

 
139,623

 
1,500

 
Municipal
9,270

 
—

 
9,615

 
—

 
Total commercial
331,727

 
1,627

 
324,388

 
3,398

 
Commercial real estate:
 
 
 
 
 
 
 
 
Construction and land development
59,488

 
386

 
60,939

 
938

 
Term
136,152

 
1,058

 
134,024

 
2,120

 
Total commercial real estate
195,640

 
1,444

 
194,963

 
3,058

 
Consumer:
 
 
 
 
 
 
 
 
Home equity credit line
16,512

 
136

 
15,686

 
270

 
1-4 family residential
79,764

 
439

 
79,077

 
886

 
Construction and other consumer real estate
3,005

 
33

 
3,008

 
68

 
Other
—

 
—

 
—

 
—

 
Total consumer loans
99,281

 
608

 
97,771


1,224

 
FDIC-supported/PCI loans
236,436

 
14,419

1 
260,297

 
36,739

1 
Total
$
863,084

 
$
18,098

 
$
877,419

 
$
44,419

 

 
Three Months Ended
June 30, 2013
 
Six Months Ended
June 30, 2013
 
(In thousands)
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
 
Commercial:
 
 
 
 
 
 
 
 
Commercial and industrial
$
161,960

 
$
861

 
$
153,230

 
$
1,519

 
Owner occupied
213,757

 
959

 
209,928

 
1,878

 
Municipal
8,999

 
—

 
9,100

 
—

 
Total commercial
384,716

 
1,820

 
372,258

 
3,397

 
Commercial real estate:
 
 
 
 
 
 
 
 
Construction and land development
142,428

 
1,558

 
145,234

 
2,215

 
Term
284,518

 
1,984

 
287,464

 
3,824

 
Total commercial real estate
426,946

 
3,542

 
432,698

 
6,039

 
Consumer:
 
 
 
 
 
 
 
 
Home equity credit line
13,462

 
85

 
12,459

 
143

 
1-4 family residential
100,395

 
354

 
98,914

 
725

 
Construction and other consumer real estate
5,626

 
47

 
5,874

 
93

 
Other
1,782

 
—

 
1,799

 
—

 
Total consumer loans
121,265


486

 
119,046

 
961

 
FDIC-supported/PCI loans
404,652

 
33,996

1 
425,972

 
59,149

1 
Total
$
1,337,579

 
$
39,844

 
$
1,349,974

 
$
69,546

 
1 
The balance of interest income recognized results primarily from accretion of interest income on impaired FDIC-supported/PCI loans.
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
June 30, 2014
 
Six Months Ended
June 30, 2014
(In thousands)
Accruing
 
Nonaccruing
 
Total
 
Accruing
 
Nonaccruing
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
—

 
$
284

 
$
284

 
$
—

 
$
284

 
$
284

Owner occupied
—

 
421

 
421

 
—

 
421

 
421

Total commercial
—

 
705

 
705

 
—

 
705

 
705

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

Term
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
—

 
—

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
—

 
—

 
—

 
217

 
217

1-4 family residential
10

 
39

 
49

 
10

 
39

 
49

Construction and other consumer real estate
—

 
83

 
83

 
—

 
83

 
83

Total consumer loans
10

 
122

 
132

 
10

 
339

 
349

Total
$
10

 
$
827

 
$
837

 
$
10

 
$
1,044

 
$
1,054
 
June 30, 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
$
338

 
$
8,285

 
$
20

 
$
2,909

 
$
4,060

 
$
82,439

 
$
98,051

Owner occupied
20,853

 
1,200

 
974

 
1,272

 
11,642

 
21,790

 
57,731

Total commercial
21,191

 
9,485

 
994

 
4,181

 
15,702

 
104,229

 
155,782

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
6,546

 
—

 
745

 
545

 
22,757

 
30,593

Term
8,541

 
8,916

 
186

 
3,639

 
5,287

 
45,081

 
71,650

Total commercial real estate
8,541

 
15,462

 
186

 
4,384

 
5,832

 
67,838

 
102,243

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
742

 
—

 
10,566

 
—

 
164

 
611

 
12,083

1-4 family residential
2,588

 
53

 
6,949

 
634

 
1,424

 
36,250

 
47,898

Construction and other consumer real estate
118

 
633

 
46

 
—

 
—

 
1,403

 
2,200

Total consumer loans
3,448

 
686


17,561


634


1,588


38,264

 
62,181

Total accruing
33,180

 
25,633

 
18,741

 
9,199

 
23,122

 
210,331

 
320,206

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
661

 
1,473

 
—

 
1,051

 
210

 
16,267

 
19,662

Owner occupied
3,351

 
896

 
560

 
959

 
7,720

 
12,346

 
25,832

Municipal
—

 
1,106

 
—

 
—

 
—

 
—

 
1,106

Total commercial
4,012

 
3,475

 
560

 
2,010

 
7,930

 
28,613

 
46,600

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
11,396

 
558

 
—

 
—

 
3,373

 
7,032

 
22,359

Term
3,031

 
—

 
—

 
1,420

 
329

 
6,570

 
11,350

Total commercial real estate
14,427

 
558

 
—

 
1,420

 
3,702

 
13,602

 
33,709

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
—

 
687

 
—

 
216

 
—

 
903

1-4 family residential
3,421

 
47

 
1,712

 
164

 
4,179

 
11,620

 
21,143

Construction and other consumer real estate
4

 
678

 
—

 
—

 
—

 
120

 
802

Bankcard and other revolving plans
—

 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
3,425

 
725

 
2,399

 
164

 
4,395

 
11,740

 
22,848

Total nonaccruing
21,864

 
4,758

 
2,959

 
3,594

 
16,027

 
53,955

 
103,157

Total
$
55,044

 
$
30,391

 
$
21,700

 
$
12,793

 
$
39,149

 
$
264,286

 
$
423,363

 
 
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

 
5,814

 
—

 
473

 
8,948

 
10,395

 
27,658

Owner occupied
3,020

 
1,489

 
1,043

 
1,593

 
10,482

 
14,927

 
32,554

Municipal
—

 
1,175

 
—

 
—

 
—

 
—

 
1,175

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

1 
Includes 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.
2 
Includes 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
 
Three Months Ended
June 30,
 
Six Months Ended
June 30,
(In thousands)
2014
 
2013
 
2014
 
2013
Commercial:
 
 
 
 
 
 
 
Commercial and industrial
$
(81
)
 
$
(17
)
 
$
244

 
$
(201
)
Owner occupied
(1,602
)
 
(1,046
)
 
(3,310
)
 
(2,097
)
Total commercial
(1,683
)
 
(1,063
)
 
(3,066
)
 
(2,298
)
Commercial real estate:
 
 
 
 
 
 
 
Construction and land development
(606
)
 
(111
)
 
(1,272
)
 
(519
)
Term
(1,647
)
 
(2,585
)
 
(3,425
)
 
(5,150
)
Total commercial real estate
(2,253
)
 
(2,696
)
 
(4,697
)
 
(5,669
)
Consumer:
 
 
 
 
 
 
 
Home equity credit line
(18
)
 
(34
)
 
(42
)
 
(73
)
1-4 family residential
(3,441
)
 
(3,758
)
 
(7,042
)
 
(7,613
)
Construction and other consumer real estate
(102
)
 
(108
)
 
(207
)
 
(217
)
Total consumer loans
(3,561
)
 
(3,900
)
 
(7,291
)
 
(7,903
)
Total decrease to interest income1
$
(7,497
)
 
$
(7,659
)
 
$
(15,054
)
 
$
(15,870
)
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)
June 30,
2014
 
December 31,
2013
 
 
 
 
Commercial
$
124,943

 
$
150,191

Commercial real estate
142,432

 
233,720

Consumer
20,890

 
28,608

Outstanding balance
$
288,265

 
$
412,519

 
 
 
 
Carrying amount
$
213,682

 
$
311,797

ALLL
3,840

 
6,478

Carrying amount, net
$
209,842

 
$
305,319

  
Schedule Of Changes In The Accretable Yield For PCI Loans
(In thousands)
Three Months Ended
June 30,
 
Six Months Ended
June 30,
2014
 
2013
 
2014
 
2013
 
 
 
 
 
 
 
 
Balance at beginning of period
$
65,765

 
$
126,359

 
$
77,528

 
$
134,461

Accretion
(14,181
)
 
(33,787
)
 
(36,488
)
 
(59,053
)
Reclassification from nonaccretable difference
5,531

 
8,312

 
14,451

 
23,184

Disposals and other
3,719

 
3,599

 
5,343

 
5,891

Balance at end of period
$
60,834

 
$
104,483

 
$
60,834

 
$
104,483