10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2015

or

¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

COMMISSION FILE NUMBER 001-12307

ZIONS BANCORPORATION

(Exact name of registrant as specified in its charter)

UTAH	87-0227400
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)
One South Main, 15th Floor Salt Lake City, Utah	84133
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (801) 844-7637

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes  ý    No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	ý	Accelerated filer	¨
Non-accelerated filer	¨	Smaller reporting company	¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Common Stock, without par value, outstanding at July 31, 2015 204,170,220 shares

ZIONS BANCORPORATION AND SUBSIDIARIES

Table of Contents

		Page
PART  I. FINANCIAL INFORMATION
Item 1.	Financial Statements (Unaudited)
	Consolidated Balance Sheets	3
	Consolidated Statements of Income	4
	Consolidated Statements of Comprehensive Income	5
	Consolidated Statements of Changes in Shareholders’ Equity	6
	Consolidated Statements of Cash Flows	7
	Notes to Consolidated Financial Statements	8
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	53
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	92
Item 4.	Controls and Procedures	92
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	92
Item 1A.	Risk Factors	92
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	93
Item 6.	Exhibits	93
Signatures		94

2

PART I. FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
(In thousands, except shares)	June 30, 2015			December 31, 2014
	(Unaudited)
ASSETS
Cash and due from banks	$	758,238		$	841,942
Money market investments:
Interest-bearing deposits	7,661,311			7,178,097
Federal funds sold and security resell agreements	1,404,246			1,386,291
Investment securities:
Held-to-maturity, at amortized cost (approximate fair value $578,327 and $677,196)	570,869			647,252
Available-for-sale, at fair value	4,652,415			3,844,248
Trading account, at fair value	74,519			70,601
	5,297,803			4,562,101
Loans held for sale	152,448			132,504
Loans and leases, net of unearned income and fees	40,023,984			40,063,658
Less allowance for loan losses	609,375			604,663
Loans, net of allowance	39,414,609			39,458,995
Other noninterest-bearing investments	863,443			865,950
Premises and equipment, net	856,577			829,809
Goodwill	1,014,129			1,014,129
Core deposit and other intangibles	20,843			25,520
Other real estate owned	13,269			18,916
Other assets	908,543			894,620
	$	58,365,459		$	57,208,874
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing demand	$	21,557,584		$	20,529,124
Interest-bearing:
Savings and money market	24,744,288			24,583,636
Time	2,263,146			2,406,924
Foreign	372,106			328,391
	48,937,124			47,848,075
Federal funds and other short-term borrowings	227,124			244,223
Long-term debt	1,050,938			1,092,282
Reserve for unfunded lending commitments	79,961			81,076
Other liabilities	540,137			573,688
Total liabilities	50,835,284			49,839,344
Shareholders’ equity:
Preferred stock, without par value, authorized 4,400,000 shares	1,004,032			1,004,011
Common stock, without par value; authorized 350,000,000 shares; issued and outstanding 203,740,914 and 203,014,903 shares	4,738,272			4,723,855
Retained earnings	1,823,043			1,769,705
Accumulated other comprehensive income (loss)	(35,172		)	(128,041		)
Total shareholders’ equity	7,530,175			7,369,530
	$	58,365,459		$	57,208,874

See accompanying notes to consolidated financial statements.

3

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
(In thousands, except per share amounts)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Interest income:
Interest and fees on loans	$	420,642		$	433,802		$	836,397		$	868,151
Interest on money market investments	5,785			4,888			11,003			10,018
Interest on securities	28,809			24,502			56,282			52,596
Total interest income	455,236			463,192			903,682			930,765
Interest expense:
Interest on deposits	12,321			12,096			24,425			24,875
Interest on short- and long-term borrowings	19,211			34,812			38,207			73,136
Total interest expense	31,532			46,908			62,632			98,011
Net interest income	423,704			416,284			841,050			832,754
Provision for loan losses	566			(54,416		)	(928		)	(55,026		)
Net interest income after provision for loan losses	423,138			470,700			841,978			887,780
Noninterest income:
Service charges and fees on deposit accounts	41,616			41,400			82,810			82,600
Other service charges, commissions and fees	51,705			47,959			99,191			92,208
Wealth management income	8,160			7,980			15,775			15,057
Loan sales and servicing income	8,382			7,332			16,088			14,428
Capital markets and foreign exchange	7,275			5,875			12,776			10,919
Dividends and other investment income	9,343			7,995			18,715			15,859
Fair value and nonhedge derivative income (loss)	1,844			(1,934		)	756			(10,473		)
Equity securities gains, net	4,839			2,513			8,192			3,425
Fixed income securities gains (losses), net	(138,436		)	5,026			(138,675		)	35,940
Impairment losses on investment securities	—			—			—			(27		)
Less amounts recognized in other comprehensive income	—			—			—			—
Net impairment losses on investment securities	—			—			—			(27		)
Other	5,693			703			6,615			3,227
Total noninterest income	421			124,849			122,243			263,163
Noninterest expense:
Salaries and employee benefits	251,133			238,760			494,652			472,162
Occupancy, net	30,095			28,939			59,434			57,244
Furniture, equipment and software	31,247			27,986			60,960			55,930
Other real estate expense, net	(445		)	(266		)	(71		)	1,341
Credit-related expense	8,106			7,161			14,045			14,107
Provision for unfunded lending commitments	(2,326		)	6,779			(1,115		)	5,767
Professional and legal services	13,110			12,171			24,593			23,166
Advertising	6,511			6,803			13,486			13,201
FDIC premiums	8,609			8,017			16,728			15,939
Amortization of core deposit and other intangibles	2,318			2,736			4,676			5,618
Debt extinguishment cost	2,395			—			2,395			—
Other	53,347			66,941			111,778			139,615
Total noninterest expense	404,100			406,027			801,561			804,090
Income before income taxes	19,459			189,522			162,660			346,853
Income taxes	5,499			69,972			56,675			126,093
Net income	13,960			119,550			105,985			220,760
Dividends on preferred stock	(15,060		)	(15,060		)	(31,806		)	(40,080		)
Net earnings (loss) applicable to common shareholders	$	(1,100	)	$	104,490		$	74,179		$	180,680
Weighted average common shares outstanding during the period:
Basic shares	202,888			184,668			202,746			184,555
Diluted shares	202,888			185,286			203,295			185,202
Net earnings (loss) per common share:
Basic	$	(0.01	)	$	0.56		$	0.36		$	0.97
Diluted	(0.01		)	0.56			0.36			0.97

See accompanying notes to consolidated financial statements.

4

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2015			2014			2015			2014
Net income for the period	$	13,960		$	119,550		$	105,985		$	220,760
Other comprehensive income, net of tax:
Net unrealized holding gains (losses) on investment securities	(7,294		)	8,551			(6,808		)	82,458
Reclassification of HTM securities to AFS securities	—			—			10,938			—
Reclassification to earnings for realized net fixed income securities losses (gains)	85,664			(3,104		)	85,812			(27,944		)
Reclassification to earnings for net credit-related impairment losses on investment securities	—			—			—			17
Accretion of securities with noncredit-related impairment losses not expected to be sold	—			273			—			559
Net unrealized gains (losses) on other noninterest-bearing investments	2,339			2,054			1,975			(787		)
Net unrealized holding gains (losses) on derivative instruments	(219		)	1,199			2,334			1,519
Reclassification adjustment for increase in interest income recognized in earnings on derivative instruments	(753		)	(348		)	(1,382		)	(558		)
Other comprehensive income	79,737			8,625			92,869			55,264
Comprehensive income	$	93,697		$	128,175		$	198,854		$	276,024

See accompanying notes to consolidated financial statements.

5

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)
(In thousands, except shares and per share amounts)	Preferred stock		Common stock				Retained earnings			Accumulated other comprehensive income (loss)				Total shareholders’ equity
			Shares	Amount
Balance at December 31, 2014	$	1,004,011	203,014,903	$	4,723,855		$	1,769,705			$	(128,041	)	$	7,369,530
Net income for the period							105,985							105,985
Other comprehensive income, net of tax											92,869			92,869
Subordinated debt converted to preferred stock	21			(6		)								15
Net activity under employee plans and related tax benefits			726,011	14,423										14,423
Dividends on preferred stock							(31,806		)					(31,806		)
Dividends on common stock, $0.10 per share							(20,444		)					(20,444		)
Change in deferred compensation							(397		)					(397		)
Balance at June 30, 2015	$	1,004,032	203,740,914	$	4,738,272		$	1,823,043			$	(35,172	)	$	7,530,175
Balance at December 31, 2013	$	1,003,970	184,677,696	$	4,179,024		$	1,473,670			$	(192,101	)	$	6,464,563
Net income for the period							220,760							220,760
Other comprehensive income, net of tax											55,264			55,264
Subordinated debt converted to preferred stock	36			(5		)								31
Net activity under employee plans and related tax benefits			435,269	13,117										13,117
Dividends on preferred stock							(40,080		)					(40,080		)
Dividends on common stock, $0.08 per share							(14,873		)					(14,873		)
Change in deferred compensation							1,308							1,308
Balance at June 30, 2014	$	1,004,006	185,112,965	$	4,192,136		$	1,640,785			$	(136,837	)	$	6,700,090

See accompanying notes to consolidated financial statements.

6

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$	13,960		$	119,550		$	105,985		$	220,760
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	(1,760		)	(47,637		)	(2,043		)	(49,259		)
Depreciation and amortization	35,113			31,150			69,282			63,554
Fixed income securities losses (gains), net	138,436			(5,026		)	138,675			(35,940		)
Deferred income tax expense	(44,431		)	(58,870		)	(41,029		)	19,408
Net increase in trading securities	(2,899		)	(247		)	(3,920		)	(22,109		)
Net decrease (increase) in loans held for sale	(23,568		)	(38,030		)	(20,051		)	6,954
Change in other liabilities	(61,829		)	19,279			(36,263		)	(58,517		)
Change in other assets	32,079			(16,686		)	(33,169		)	(13,460		)
Other, net	(70		)	9,910			(3,619		)	12,273
Net cash provided by operating activities	85,031			13,393			173,848			143,664
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	(754,443		)	1,672,416			(501,169		)	1,591,565
Proceeds from maturities and paydowns of investment securities held-to-maturity	21,587			19,190			60,910			38,125
Purchases of investment securities held-to-maturity	(1,485		)	(27,514		)	(24,061		)	(63,264		)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	751,373			194,973			980,267			1,042,261
Purchases of investment securities available-for-sale	(972,714		)	(221,701		)	(1,757,570		)	(673,824		)
Net change in loans and leases	148,336			(446,118		)	47,894			(612,533		)
Purchases of premises and equipment	(33,835		)	(35,815		)	(67,368		)	(112,731		)
Proceeds from sales of other real estate owned	5,172			17,087			8,573			28,912
Other, net	25,974			1,380			29,325			6,997
Net cash provided by (used in) investing activities	(810,035		)	1,173,898			(1,223,199		)	1,245,508
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	813,764			(861,165		)	1,089,049			(690,743		)
Net change in short-term funds borrowed	23,527			(21,436		)	(17,099		)	(81,947		)
Repayments of long-term debt	(44,420		)	(236,404		)	(52,605		)	(361,159		)
Proceeds from the issuance of common stock	5,070			1,641			6,032			4,521
Dividends paid on common and preferred stock	(29,045		)	(24,207		)	(52,279		)	(47,948		)
Other, net	(6,512		)	(3,388		)	(7,451		)	(3,691		)
Net cash provided by (used in) financing activities	762,384			(1,144,959		)	965,647			(1,180,967		)
Net increase (decrease) in cash and due from banks	37,380			42,332			(83,704		)	208,205
Cash and due from banks at beginning of period	720,858			1,338,930			841,942			1,173,057
Cash and due from banks at end of period	$	758,238		$	1,381,262		$	758,238		$	1,381,262
Cash paid for interest	$	28,938		$	40,820		$	51,057		$	81,669
Net cash paid for income taxes	92,326			122,737			91,826			122,656

See accompanying notes to consolidated financial statements.

7

ZIONS BANCORPORATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

June 30, 2015

1. BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation (“the Parent”) and its majority-owned subsidiaries (collectively “the Company,” “Zions,” “we,” “our,” “us”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”) and to Accounting Standards Updates (“ASU”), which include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”). Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income.

Operating results for the three and six months endedJune 30, 2015 and 2014 are not necessarily indicative of the results that may be expected in future periods. The consolidated balance sheet at December 31, 2014 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s 2014 Annual Report on Form 10-K.

The Company provides a full range of banking and related services through subsidiary banks in 11 Western and Southwestern states as follows: Zions First National Bank (“Zions Bank”), in Utah, Idaho and Wyoming; Amegy Corporation (“Amegy”) and its subsidiary, Amegy Bank, in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”), in Washington and Oregon. Effective April 1, 2015, The Commerce Bank of Oregon (“TCBO”) was merged into TCBW. The Parent and its subsidiary banks also own and operate certain nonbank subsidiaries that engage in financial services. On June 1, 2015, the Company announced certain efficiency and restructuring initiatives that included, among other things, the consolidation of its seven bank charters into one bank charter. This change is subject to regulatory approval and is currently expected to be completed within the next 6 to 12 months.

2. RECENT ACCOUNTING PRONOUNCEMENTS

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Company
ASU 2015-07, Disclosures for Investments in Certain Entities That Calculate Net Asset Value per Share (or its Equivalent), (Topic 820)	The guidance eliminates the current requirement to categorize within the fair value hierarchy investments whose fair values are measured at net asset value (“NAV”) using the practical expedient in ASC 820. Fair value disclosure of these investments will be made to facilitate reconciliation to amounts reported on the balance sheet. Other related disclosures will continue when the NAV practical expedient is used. Adoption is retrospective and early adoption is permitted.	January 1, 2016	We do not currently expect this new disclosure guidance will have a material impact on the Company’s financial statements.

8

ZIONS BANCORPORATION AND SUBSIDIARIES

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Company (continued)
ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement (Subtopic 350-40)	The standard provides guidance to determine whether an arrangement includes a software license. If it does, the customer accounts for it the same way as for other software licenses. If no software license is included, the customer accounts for it as a service contract. Adoption may be retrospective or prospective. Early adoption is permitted.	January 1, 2016	We are currently evaluating the impact this new guidance may have on the Company’s financial statements.
ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs (Subtopic 835-30)	The standard requires that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of the associated debt liability, consistent with debt discounts. Adoption is retrospective and early adoption is permitted.	January 1, 2016	We currently include debt issuance costs in other assets. The amount to be reclassified to the debt liability is not material to the Company’s financial statements.
ASU 2015-02, Amendments to the Consolidation Analysis (Topic 810)	The new standard changes certain criteria in the variable interest model and the voting model to determine whether certain legal entities are variable interest entities (“VIEs”) and whether they should be consolidated. Additional disclosures are required regarding entities not currently considered VIEs, but may become VIEs under the new guidance and may be subject to consolidation. Adoption may be retrospective or modified retrospective with a cumulative effect adjustment. Early adoption is permitted.	January 1, 2016	We currently do not consolidate any VIEs and do not expect this new guidance will have a material impact on the Company’s financial statements.
ASU 2014-09, Revenue from Contracts with Customers (Topic 606)	The core principle is that a company will recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services. The banking industry does not expect significant changes because major sources of revenue are from financial instruments that have been excluded from the scope of the new standard, (including loans, derivatives, debt and equity securities, etc.). However, the new standard affects other fees charged by banks, such as asset management fees, credit card interchange fees, deposit account fees, etc. Adoption may be made on a full retrospective basis with practical expedients, or on a modified retrospective basis with a cumulative effect adjustment. Early adoption may be made as of the current effective date, assuming deferral is enacted.	January 1, 2017 (FASB announced on July 9, 2015 a one-year deferral from effective date shown above; ASU still to be issued.)	While we currently do not expect this standard will have a material impact on the Company’s financial statements, we are still in process of conducting our evaluation.
Standards adopted by the Company
ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure (Subtopic 310-40)	The standard addresses the classification of certain foreclosed mortgage loans fully or partially guaranteed under government programs. Under certain such programs, qualifying creditors can extend mortgage loans with a guarantee entitling the creditor to recover all or a portion of the unpaid principal balance from the government if the borrower defaults. A separate other receivable is established that is measured based on the amount of the loans expected to be recovered.	January 1, 2015	Our adoption of this standard had no impact on the accompanying financial statements.

9

ZIONS BANCORPORATION AND SUBSIDIARIES

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Company (continued)
ASU 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (Subtopic 310-40)	The standard clarifies that a creditor should be considered to have physical possession of a residential real estate property collateralizing a residential mortgage loan and thus would reclassify the loan to other real estate owned when certain conditions are satisfied. Additional financial statement disclosures will be required.	January 1, 2015	Our adoption of this standard added a nominal amount of additional disclosure to Note 6.
ASU 2014-01, Accounting for Investments in Qualified Affordable Housing Projects (Topic 323)	The standard revised conditions an entity must meet to elect the effective yield method when accounting for qualified affordable housing project investments. The EITF final consensus changed the method of amortizing a Low-Income Housing Tax Credit (“LIHTC”) investment from the effective yield method to a proportional amorti-zation method. Amortization would be proportional to the tax credits and tax benefits received but, under a practical expedient available in certain circumstances, amortization could be proportional to only the tax credits. Reporting entities that invest in LIHTC investments through a limited liability entity could elect the proportional amortization method if certain conditions are met.	January 1, 2015	Our adoption of this standard did not have a material impact on the accompanying financial statements.

3. SUPPLEMENTAL CASH FLOW INFORMATION

Noncash activities are summarized as follows:

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015		2014
Loans and leases transferred to other real estate owned	$	3,084		$	4,905	$	6,652	$	11,243
Loans held for sale reclassified as (from) loans and leases	(2,395		)	1,292		10,743		5,081
Amortized cost of HTM securities reclassified as AFS securities	—			—		79,276		—

4. OFFSETTING ASSETS AND LIABILITIES

Gross and net information for selected financial instruments in the balance sheet is as follows:

	June 30, 2015
(In thousands)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,704,246	$	(300,000	)	$	1,404,246	$	—		$	—		$	1,404,246
Derivatives (included in other assets)	63,962		—			63,962		(6,224		)	—			57,738
	$	1,768,208	$	(300,000	)	$	1,468,208	$	(6,224	)	$	—		$	1,461,984
Liabilities:
Federal funds and other short-term borrowings	$	527,124	$	(300,000	)	$	227,124	$	—		$	—		$	227,124
Derivatives (included in other liabilities)	60,245		—			60,245		(6,224		)	(27,091		)	26,930
	$	587,369	$	(300,000	)	$	287,369	$	(6,224	)	$	(27,091	)	$	254,054

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	December 31, 2014
(In thousands)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,386,291	$	—	$	1,386,291	$	—		$	—		$	1,386,291
Derivatives (included in other assets)	66,420		—		66,420		(3,755		)				62,665
	$	1,452,711	$	—	$	1,452,711	$	(3,755	)	$	—		$	1,448,956
Liabilities:
Federal funds and other short-term borrowings	$	244,223	$	—	$	244,223	$	—		$	—		$	244,223
Derivatives (included in other liabilities)	66,064		—		66,064		(3,755		)	(31,968		)	30,341
	$	310,287	$	—	$	310,287	$	(3,755	)	$	(31,968	)	$	274,564

Security resell and repurchase agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in the Company’s balance sheet. See Note 7 for further information regarding derivative instruments.

5. INVESTMENTS

Investment Securities

Investment securities are summarized below. Note 10 discusses the process to estimate fair value for investment securities.

	June 30, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	570,869	$	9,584	$	2,126	$	578,327
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	661,118		1,214		11,875		650,457
Agency guaranteed mortgage-backed securities	2,001,120		9,741		9,281		2,001,580
Small Business Administration loan-backed securities	1,653,333		16,828		7,931		1,662,230
Municipal securities	202,372		796		511		202,657
Other debt securities	25,519		219		1,923		23,815
	4,543,462		28,798		31,521		4,540,739
Money market mutual funds and other	111,608		68		—		111,676
	4,655,070		28,866		31,521		4,652,415
Total	$	5,225,939	$	38,450	$	33,647	$	5,230,742

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	December 31, 2014
			Recognized in OCI 1						Not recognized in OCI
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Carrying value		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	607,675	$	—	$	—	$	607,675	$	13,018	$	804	$	619,889
Asset-backed securities:
Trust preferred securities – banks and insurance	79,276		—		39,699		39,577		18,393		663		57,307
	686,951		—		39,699		647,252		31,411		1,467		677,196
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	607,523		1,572		8,343		600,752						600,752
Agency guaranteed mortgage-backed securities	935,164		12,132		2,105		945,191						945,191
Small Business Administration loan-backed securities	1,544,710		16,446		8,891		1,552,265						1,552,265
Municipal securities	189,059		1,143		945		189,257						189,257
Asset-backed securities:
Trust preferred securities – banks and insurance	537,589		103		121,984		415,708						415,708
Other	5,252		207		7		5,452						5,452
	3,819,297		31,603		142,275		3,708,625						3,708,625
Money market mutual funds and other	136,591		76		1,044		135,623						135,623
	3,955,888		31,679		143,319		3,844,248						3,844,248
Total	$	4,642,839	$	31,679	$	183,018	$	4,491,500					$	4,521,444

¹  Other comprehensive income

CDO Sales and Paydowns

During the second quarter of 2015, we sold the remaining portfolio of our collateralized debt obligation (“CDO”) securities, or $574 million at amortized cost, and realized net losses of approximately $137 million. Unrealized losses included in OCI at March 31, 2015 were $148 million. We also received approximately $13 million in paydowns and payoffs of CDO securities during the quarter prior to the sale of the CDOs.

During the first quarter of 2015, we reclassified all of the remaining held-to-maturity (“HTM”) CDO securities, or approximately $79 million at amortized cost, to available-for-sale (“AFS”) securities. The reclassification resulted from increased risk weights for these securities under the new Basel III capital rules, and was made in accordance with applicable accounting guidance that allows for such reclassifications when increased risk weights of debt securities must be used for regulatory risk-based capital purposes. No gain or loss was recognized in the statement of income at the time of reclassification.

During the first half of 2014, we recorded a total of $1,018 million par amount of sales and paydowns of CDO securities, resulting in net gains of approximately $36 million. These sales were made in part as a result of the Volcker Rule (“VR”).

Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of June 30, 2015 by expected timing of principal payments. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

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	Held-to-maturity				Available-for-sale
(In thousands)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Principal return in one year or less	$	89,799	$	90,840	$	686,832	$	687,548
Principal return after one year through five years	183,910		186,348		1,901,910		1,902,874
Principal return after five years through ten years	155,474		159,795		1,419,932		1,418,243
Principal return after ten years	141,686		141,344		534,788		532,074
	$	570,869	$	578,327	$	4,543,462	$	4,540,739

The following is a summary of the amount of gross unrealized losses for investment securities and the estimated fair value by length of time the securities have been in an unrealized loss position:
	June 30, 2015
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	2,036	$	150,067	$	90	$	3,818	$	2,126	$	153,885
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	5,823		162,727		6,052		291,372		11,875		454,099
Agency guaranteed mortgage-backed securities	8,960		1,497,852		321		19,035		9,281		1,516,887
Small Business Administration loan-backed securities	3,622		347,566		4,309		330,790		7,931		678,356
Municipal securities	492		57,736		19		1,627		511		59,363
Other debt securities	—		—		1,923		13,080		1,923		13,080
	18,897		2,065,881		12,624		655,904		31,521		2,721,785
Total	$	20,933	$	2,215,948	$	12,714	$	659,722	$	33,647	$	2,875,670

	December 31, 2014
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	527	$	62,762	$	277	$	14,003	$	804	$	76,765
Asset-backed securities:
Trust preferred securities – banks and insurance	53		122		40,309		57,186		40,362		57,308
	580		62,884		40,586		71,189		41,166		134,073
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	4,510		295,694		3,833		101,188		8,343		396,882
Agency guaranteed mortgage-backed securities	1,914		425,114		191		12,124		2,105		437,238
Small Business Administration loan-backed securities	5,869		495,817		3,022		175,523		8,891		671,340
Municipal securities	258		36,551		687		4,616		945		41,167
Asset-backed securities:
Trust preferred securities – banks and insurance	—		—		121,984		405,605		121,984		405,605
Other	7		1,607		—		—		7		1,607
	12,558		1,254,783		129,717		699,056		142,275		1,953,839
Money market mutual funds and other	1,044		71,907		—		—		1,044		71,907
	13,602		1,326,690		129,717		699,056		143,319		2,025,746
Total	$	14,182	$	1,389,574	$	170,303	$	770,245	$	184,485	$	2,159,819

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At June 30, 2015 and December 31, 2014, respectively, 287 and 153 HTM and 545 and 458 AFS investment securities were in an unrealized loss position.

Other-Than-Temporary Impairment

Ongoing Policy

We review investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). We assess whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the balance sheet date (the majority of the investment portfolio are debt securities). Under these circumstances, OTTI is considered to have occurred if (1) we have formed a documented intent to sell identified securities or initiated such sales; (2) it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not sufficient to recover the entire amortized cost basis.

Noncredit-related OTTI in securities we intend to sell is recognized in earnings as is any credit-related OTTI in securities, regardless of our intent. Noncredit-related OTTI on AFS securities not expected to be sold is recognized in OCI. The amount of noncredit-related OTTI in a security is quantified as the difference in a security’s amortized cost after adjustment for credit impairment, and its lower fair value. Presentation of OTTI is made in the statement of income on a gross basis with an offset for the amount of OTTI recognized in OCI.

OTTI Conclusions

Our 2014 Annual Report on Form 10-K describes in more detail our OTTI evaluation process. The following summarizes the conclusions from our OTTI evaluation by each security type that has significant gross unrealized losses at June 30, 2015:

OTTI – U.S. Government Agencies and Corporations

Agency Securities: These securities were issued by the Federal Agricultural Mortgage Corporation (“FAMC”) and the Export-Import Bank of the U.S. These securities are floating-rate and were purchased at premiums or discounts. They have maturity dates from 1 to 25 years and have contractual cash flows guaranteed by agencies of the U.S. Government. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

Agency Guaranteed Mortgage-Backed Securities: These pass-through securities are comprised largely of fixed and floating-rate residential mortgage-backed securities issued by the Government National Mortgage Association (“GNMA”), the Federal National Mortgage Association, or the Federal Home Loan Mortgage Corporation. They were generally purchased at premiums with maturity dates from 10 to 15 years for fixed-rate securities and 30 years for floating-rate securities. These securities benefit from certain guarantee provisions or, in the case of GNMA, direct U.S. government guarantees. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

Small Business Administration (“SBA”) Loan-Backed Securities: These securities were generally purchased at premiums with maturities from 5 to 25 years and have principal cash flows guaranteed by the SBA. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified SBA securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

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The following is a tabular rollforward of the total amount of credit-related OTTI:

(In thousands)	Three Months Ended June 30, 2015								Six Months Ended June 30, 2015
	HTM		AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	(103,238	)	$	(103,238	)	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		103,238			103,238			—			104,551			104,551
Reclassification of securities from HTM to AFS	—		—			—			9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—		$	—		$	—		$	—		$	—

(In thousands)	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	HTM			AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,052	)	$	(176,833	)	$	(185,885	)
Additions recognized in earnings during the period:
Additional credit-related OTTI on securities previously impaired	—			—			—			(27		)	—			(27		)
Reductions for securities sold or paid off during the period	—			—			—			—			12,919			12,919
Balance of credit-related OTTI at end of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,079	)	$	(163,914	)	$	(172,993	)

The following summarizes gains and losses, including OTTI, that were recognized in the statement of income:

	Three Months Ended									Six Months Ended
	June 30, 2015					June 30, 2014				June 30, 2015					June 30, 2014
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses		Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	—	$	—	$	1	$	—		$	—	$	27
Available-for-sale	7,402		146,315			5,032		1,238		8,360		147,513			77,593		42,885
Other noninterest-bearing investments	6,008		692			3,745		—		9,603		934			4,657		—
	13,410		147,007			8,777		1,238		17,964		148,447			82,250		42,912
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338
Statement of income information:
Net impairment losses on investment securities			$	—				$	—			$	—				$	(27	)
Equity securities gains, net			4,839					2,513				8,192					3,425
Fixed income securities gains (losses), net			(138,436		)			5,026				(138,675		)			35,940
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338

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Interest income by security type is as follows:

(In thousands)	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	3,093	$	2,774	$	5,867	$	6,685	$	5,636	$	12,321
Available-for-sale	21,637		695		22,332		41,405		1,348		42,753
Trading	610		—		610		1,208		—		1,208
	$	25,340	$	3,469	$	28,809	$	49,298	$	6,984	$	56,282

(In thousands)	Three Months Ended June 30, 2014						Six Months Ended June 30, 2014
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	3,721	$	2,807	$	6,528	$	7,549	$	5,643	$	13,192
Available-for-sale	16,780		628		17,408		37,204		1,152		38,356
Trading	566		—		566		1,048		—		1,048
	$	21,067	$	3,435	$	24,502	$	45,801	$	6,795	$	52,596

Investment securities with a carrying value of $1.6 billion at June 30, 2015 and $1.4 billion at December 31, 2014 were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

Private Equity Investments

Effect of Volcker Rule

The VR, as published pursuant to the Dodd-Frank Act in December 2013 and amended in January 2014, significantly restricted certain activities by covered bank holding companies, including restrictions on certain types of securities, proprietary trading, and private equity investing. The Company’s private equity investments (“PEIs”) consist of Small Business Investment Companies (“SBICs”) and non-SBICs. As of December 31, 2014, the only prohibited investments under the VR requiring divestiture by the Company were certain of its PEIs. Of the recorded PEIs of $131 million at June 30, 2015, approximately $25 million remain prohibited by the VR.

As of June 30, 2015, we have sold a total of approximately $17 million of PEIs as follows: $4 million during the second quarter of 2015, $5 million during the first quarter of 2015, and $8 million during 2014. All of these sales related to prohibited PEIs. The 2015 sales resulted in insignificant amounts of realized gains or losses. We will dispose of the remaining $25 million of prohibited PEIs before the required deadline. However, the required deadline has been extended to July 21, 2016 from July 21, 2015 and the Federal Reserve has announced its intention to act in 2015 to grant an additional one-year extension to July 21, 2017. See other discussions in Notes 10 and 11.

As discussed in Note 11, we have $48 million at June 30, 2015 of unfunded commitments for PEIs, of which approximately $7 million relate to prohibited PEIs. Until we dispose of the prohibited PEIs, we expect to fund these commitments if and as the capital calls are made, as allowed under the VR.

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6. LOANS AND ALLOWANCE FOR CREDIT LOSSES

Loans and Loans Held for Sale

Loans are summarized as follows according to major portfolio segment and specific loan class:

(In thousands)	June 30, 2015		December 31, 2014
Loans held for sale	$	152,448	$	132,504
Commercial:
Commercial and industrial	$	13,110,925	$	13,162,955
Leasing	401,548		408,974
Owner occupied	7,277,208		7,351,548
Municipal	588,985		520,887
Total commercial	21,378,666		21,444,364
Commercial real estate:
Construction and land development	2,061,716		1,986,408
Term	8,058,285		8,126,600
Total commercial real estate	10,120,001		10,113,008
Consumer:
Home equity credit line	2,348,327		2,321,150
1-4 family residential	5,193,463		5,200,882
Construction and other consumer real estate	371,622		370,542
Bankcard and other revolving plans	409,471		401,352
Other	202,434		212,360
Total consumer	8,525,317		8,506,286
Total loans	$	40,023,984	$	40,063,658

Loan balances are presented net of unearned income and fees, which amounted to $141.0 million at June 30, 2015 and $144.7 million at December 31, 2014.

Owner occupied and commercial real estate (“CRE”) loans include unamortized premiums of approximately $31.1 million at June 30, 2015 and $36.5 million at December 31, 2014.

Municipal loans generally include loans to municipalities with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment.

Land development loans included in the construction and land development loan class were $419.4 million at June 30, 2015 and $484.9 million at December 31, 2014.

Loans with a carrying value of approximately $22.4 billion at June 30, 2015 and $22.5 billion at December 31, 2014 have been pledged at the Federal Reserve and various Federal Home Loan Banks (“FHLBs”) as collateral for potential borrowings.

We sold loans with a carrying value of $335.8 million and $636.2 million for the three and six months endedJune 30, 2015, and $260.1 million and $597.7 million, for the three and six months endedJune 30, 2014, respectively, that were classified as loans held for sale. The sold loans were derecognized from the balance sheet. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of SBA loans. The principal balance of sold loans for which we retain servicing was approximately $1.2 billion at both June 30, 2015 and December 31, 2014.

Amounts added to loans held for sale during these periods were $359.0 million and $668.7 million for the three and six months endedJune 30, 2015, and $301.6 million and $597.1 million for the three and six months endedJune 30, 2014, respectively. Income from loans sold, excluding servicing, was $4.3 million and $8.9 million for the three and

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six months endedJune 30, 2015, and $3.6 million and $7.1 million for the three and six months endedJune 30, 2014, respectively.

Since 2009, CB&T and NSB have had loss sharing agreements with the Federal Deposit Insurance Corporation (“FDIC”), which provided indemnification for credit losses of acquired loans and foreclosed assets up to specified thresholds. The last of the agreements for commercial loans, which comprised the major portion of the acquired portfolio, expired as of September 30, 2014. The agreements for 1-4 family residential loans will expire in 2019. In previous periods, the FDIC-supported loan balances were presented separately in this footnote and in other disclosures, and included purchased credit-impaired (“PCI”) loans, as subsequently discussed in Purchased Loans. Due to declining balances, for all periods presented herein, the FDIC-supported/PCI loans have been reclassified to their respective loan segments and classes.

Allowance for Credit Losses

The allowance for credit losses (“ACL”) consists of the allowance for loan and lease losses (“ALLL”) (also referred to as the allowance for loan losses) and the reserve for unfunded lending commitments (“RULC”).

Allowance for Loan and Lease Losses

The ALLL represents our estimate of probable and estimable losses inherent in the loan and lease portfolio as of the balance sheet date. Losses are charged to the ALLL when recognized. Generally, commercial loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due unless the loan is well secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ALLL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses so the ALLL is at an appropriate level at the balance sheet date.

We determine our ALLL as the best estimate within a range of estimated losses. The methodologies we use to estimate the ALLL depend upon the impairment status and portfolio segment of the loan. The methodology for impaired loans is discussed subsequently. For the commercial and CRE segments, we use a comprehensive loan grading system to assign probability of default (“PD”) and loss given default (“LGD”) grades to each loan. The credit quality indicators discussed subsequently are based on this grading system. In addition, loan officers utilize their experience and judgment in assigning PD and LGD grades, subject to confirmation of the PD and LGD by either credit risk or credit examination. We create groupings of these grades for each subsidiary bank and loan class and calculate historic loss rates using a loss migration analysis that attributes historic realized losses to these loan grade groupings over the period of January 2008 through the most recent full quarter.

For the consumer loan segment, we use roll rate models to forecast probable inherent losses. Roll rate models measure the rate at which consumer loans migrate from one delinquency category to the next worse delinquency category, and eventually to loss. We estimate roll rates for consumer loans using recent delinquency and loss experience by segmenting our consumer loan portfolio into separate pools based on common risk characteristics and separately calculating historical delinquency and loss experience for each pool. These roll rates are then applied to current delinquency levels to estimate probable inherent losses. When long-term average losses exceed those losses estimated through roll rates, we use long-term average loss rates for the applicable pools. Roll rates incorporate housing market trends inasmuch as these trends manifest themselves in charge-offs and delinquencies. In addition, our qualitative and environmental factors discussed subsequently incorporate the most recent housing market trends.

The current status and historical changes in qualitative and environmental factors may not be reflected in our quantitative models. Thus, after applying historical loss experience, as described above, we review the quantitatively derived level of ALLL for each segment using qualitative criteria and use those criteria to determine our estimate within the range. We track various risk factors that influence our judgment regarding the level of the ALLL across the portfolio segments. These factors primarily include:

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• Asset quality trends

• Risk management and loan administration practices

• Risk identification practices

• Effect of changes in the nature and volume of the portfolio

• Existence and effect of any portfolio concentrations

• National economic and business conditions

• Regional and local economic and business conditions

• Data availability and applicability

• Effects of other external factors

The magnitude of the impact of these factors on our qualitative assessment of the ALLL changes from quarter to quarter according to changes made by management in its assessment of these factors, the extent these factors are already reflected in historic loss rates, and the extent changes in these factors diverge from one to another. We also consider the uncertainty inherent in the estimation process when evaluating the ALLL.

Reserve for Unfunded Lending Commitments

We also estimate a reserve for potential losses associated with off-balance sheet commitments, including standby letters of credit. We determine the RULC using the same procedures and methodologies that we use for the ALLL. The loss factors used in the RULC are the same as the loss factors used in the ALLL, and the qualitative adjustments used in the RULC are the same as the qualitative adjustments used in the ALLL. We adjust the Company’s unfunded lending commitments that are not unconditionally cancelable to an outstanding amount equivalent using credit conversion factors, and we apply the loss factors to the outstanding equivalents.

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended June 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	442,072		$	131,615		$	46,326		$	620,013
Additions:
Provision for loan losses	5,941			(4,983		)	(392		)	566
Adjustment for FDIC-supported/PCI loans	(19		)	57						38
Deductions:
Gross loan and lease charge-offs	(23,822		)	(3,943		)	(3,283		)	(31,048		)
Recoveries	13,598			3,050			3,158			19,806
Net loan and lease charge-offs	(10,224		)	(893		)	(125		)	(11,242		)
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	62,775		$	18,937		$	575		$	82,287
Provision credited to earnings	(2,001		)	(298		)	(27		)	(2,326		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

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	Six Months Ended June 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	412,514		$	145,009		$	47,140		$	604,663
Additions:
Provision for loan losses	30,875			(31,870		)	67			(928		)
Adjustment for FDIC-supported/PCI loans	(57		)	57			—			—
Deductions:
Gross loan and lease charge-offs	(39,773		)	(4,569		)	(6,894		)	(51,236		)
Recoveries	34,211			17,169			5,496			56,876
Net loan and lease charge-offs	(5,562		)	12,600			(1,398		)	5,640
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	1,843			(2,878		)	(80		)	(1,115		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

	Three Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	477,701		$	208,149		$	51,103		$	736,953
Additions:
Provision for loan losses	(29,574		)	(20,272		)	(4,570		)	(54,416		)
Adjustment for FDIC-supported/PCI loans	(384		)	—			(60		)	(444		)
Deductions:
Gross loan and lease charge-offs	(16,023		)	(2,961		)	(4,416		)	(23,400		)
Recoveries	11,245			3,024			2,945			17,214
Net loan and lease charge-offs	(4,778		)	63			(1,471		)	(6,186		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	49,870		$	35,273		$	3,550		$	88,693
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

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	Six Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	469,213		$	216,012		$	61,066		$	746,291
Additions:
Provision for loan losses	(18,314		)	(23,163		)	(13,549		)	(55,026		)
Adjustment for FDIC-supported/PCI loans	(1,165		)	—			(96		)	(1,261		)
Deductions:
Gross loan and lease charge-offs	(25,819		)	(10,815		)	(7,561		)	(44,195		)
Recoveries	19,050			5,906			5,142			30,098
Net loan and lease charge-offs	(6,769		)	(4,909		)	(2,419		)	(14,097		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	89,705
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	June 30, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	37,037	$	3,329	$	10,382	$	50,748
Collectively evaluated for impairment	400,472		122,295		34,721		557,488
Purchased loans with evidence of credit deterioration	261		172		706		1,139
Total	$	437,770	$	125,796	$	45,809	$	609,375
Outstanding loan balances:
Individually evaluated for impairment	$	275,607	$	133,839	$	90,220	$	499,666
Collectively evaluated for impairment	21,034,441		9,915,236		8,422,221		39,371,898
Purchased loans with evidence of credit deterioration	68,618		70,926		12,876		152,420
Total	$	21,378,666	$	10,120,001	$	8,525,317	$	40,023,984

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	December 31, 2014
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	28,627	$	4,027	$	9,059	$	41,713
Collectively evaluated for impairment	382,552		140,090		37,508		560,150
Purchased loans with evidence of credit deterioration	1,335		892		573		2,800
Total	$	412,514	$	145,009	$	47,140	$	604,663
Outstanding loan balances:
Individually evaluated for impairment	$	259,207	$	167,435	$	95,267	$	521,909
Collectively evaluated for impairment	21,105,217		9,861,862		8,395,371		39,362,450
Purchased loans with evidence of credit deterioration	79,940		83,711		15,648		179,299
Total	$	21,444,364	$	10,113,008	$	8,506,286	$	40,063,658

Nonaccrual and Past Due Loans

Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain.

A nonaccrual loan may be returned to accrual status when all delinquent interest and principal become current in accordance with the terms of the loan agreement; the loan, if secured, is well secured; the borrower has paid according to the contractual terms for a minimum of six months; and analysis of the borrower indicates a reasonable assurance of the ability and willingness to maintain payments. Payments received on nonaccrual loans are applied as a reduction to the principal outstanding.

Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credit such as charge-card plans and other revolving credit plans are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semiannual, etc.), single payment, and demand notes are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more.

Nonaccrual loans are summarized as follows:
(In thousands)	June 30, 2015		December 31, 2014
Commercial:
Commercial and industrial	$	164,700	$	105,591
Leasing	173		295
Owner occupied	89,356		87,243
Municipal	992		1,056
Total commercial	255,221		194,185
Commercial real estate:
Construction and land development	20,184		23,880
Term	43,465		25,107
Total commercial real estate	63,649		48,987
Consumer:
Home equity credit line	9,057		11,430
1-4 family residential	42,905		49,861
Construction and other consumer real estate	1,129		1,735
Bankcard and other revolving plans	599		196
Other	270		254
Total consumer loans	53,960		63,476
Total	$	372,830	$	306,648

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Past due loans (accruing and nonaccruing) are summarized as follows:
	June 30, 2015
(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
Commercial:
Commercial and industrial	$	13,007,655	$	64,040	$	39,230	$	103,270	$	13,110,925	$	2,221	$	117,874
Leasing	401,490		30		28		58		401,548		—		123
Owner occupied	7,207,298		24,480		45,430		69,910		7,277,208		5,233		44,423
Municipal	588,985		—		—		—		588,985		—		992
Total commercial	21,205,428		88,550		84,688		173,238		21,378,666		7,454		163,412
Commercial real estate:
Construction and land development	2,046,961		5,172		9,583		14,755		2,061,716		220		10,821
Term	8,015,187		11,522		31,576		43,098		8,058,285		17,830		29,597
Total commercial real estate	10,062,148		16,694		41,159		57,853		10,120,001		18,050		40,418
Consumer:
Home equity credit line	2,338,099		4,318		5,910		10,228		2,348,327		—		2,149
1-4 family residential	5,161,636		11,789		20,038		31,827		5,193,463		744		19,351
Construction and other consumer real estate	349,205		21,743		674		22,417		371,622		135		590
Bankcard and other revolving plans	407,057		1,382		1,032		2,414		409,471		680		192
Other	201,538		519		377		896		202,434		141		4
Total consumer loans	8,457,535		39,751		28,031		67,782		8,525,317		1,700		22,286
Total	$	39,725,111	$	144,995	$	153,878	$	298,873	$	40,023,984	$	27,204	$	226,116

	December 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 current 1
Commercial:
Commercial and industrial	$	13,092,731	$	28,295	$	41,929	$	70,224	$	13,162,955	$	4,677	$	64,385
Leasing	408,724		225		25		250		408,974		—		270
Owner occupied	7,275,842		29,182		46,524		75,706		7,351,548		3,334		39,649
Municipal	520,887		—		—		—		520,887		—		1,056
Total commercial	21,298,184		57,702		88,478		146,180		21,444,364		8,011		105,360
Commercial real estate:
Construction and land development	1,972,206		2,711		11,491		14,202		1,986,408		92		12,481
Term	8,082,940		14,415		29,245		43,660		8,126,600		19,700		13,787
Total commercial real estate	10,055,146		17,126		40,736		57,862		10,113,008		19,792		26,268
Consumer:
Home equity credit line	2,309,967		4,503		6,680		11,183		2,321,150		1		1,779
1-4 family residential	5,163,610		12,416		24,856		37,272		5,200,882		318		20,599
Construction and other consumer real estate	359,723		9,675		1,144		10,819		370,542		160		608
Bankcard and other revolving plans	397,882		2,425		1,045		3,470		401,352		946		80
Other	211,560		644		156		800		212,360		—		84
Total consumer loans	8,442,742		29,663		33,881		63,544		8,506,286		1,425		23,150
Total	$	39,796,072	$	104,491	$	163,095	$	267,586	$	40,063,658	$	29,228	$	154,778

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

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Credit Quality Indicators

In addition to the past due and nonaccrual criteria, we also analyze loans using loan risk grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades assigned to loans follow our definitions of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications.

Definitions of Pass, Special Mention, Substandard, and Doubtful are summarized as follows:

Pass – A Pass asset is higher quality and does not fit any of the other categories described below. The likelihood of loss is considered remote.

Special Mention– A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date.

Substandard – A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that the bank may sustain some loss if deficiencies are not corrected.

Doubtful – A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable.

We generally assign internal risk grades to commercial and CRE loans with commitments equal to or greater than $750,000based on financial and statistical models, individual credit analysis, and loan officer judgment. For these larger loans, we assign one of multiple grades within the Pass classification or one of the following four grades: Special Mention, Substandard, Doubtful, and Loss. Loss indicates that the outstanding balance has been charged off. We confirm our internal risk grades quarterly, or as soon as we identify information that affects the credit risk of the loan.

For consumer loans or certain small commercial loans with commitments equal to or less than $750,000, we generally assign internal risk grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass or Substandard grade and are reviewed as we identify information that might warrant a grade change.

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Outstanding loan balances (accruing and nonaccruing) categorized by these credit quality indicators are summarized as follows:

	June 30, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,092,525	$	339,180	$	666,689	$	12,531	$	13,110,925
Leasing	375,930		15,125		10,493		—		401,548
Owner occupied	6,857,103		111,000		306,661		2,444		7,277,208
Municipal	586,772		1,221		992		—		588,985
Total commercial	19,912,330		466,526		984,835		14,975		21,378,666		$	437,770
Commercial real estate:
Construction and land development	2,007,268		16,682		37,766		—		2,061,716
Term	7,815,257		57,254		182,288		3,486		8,058,285
Total commercial real estate	9,822,525		73,936		220,054		3,486		10,120,001		125,796
Consumer:
Home equity credit line	2,333,974		—		14,353		—		2,348,327
1-4 family residential	5,142,602		—		50,861		—		5,193,463
Construction and other consumer real estate	369,600		—		2,022		—		371,622
Bankcard and other revolving plans	407,649		—		1,822		—		409,471
Other	201,862		—		572		—		202,434
Total consumer loans	8,455,687		—		69,630		—		8,525,317		45,809
Total	$	38,190,542	$	540,462	$	1,274,519	$	18,461	$	40,023,984	$	609,375

	December 31, 2014
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,515,846	$	209,215	$	426,002	$	11,892	$	13,162,955
Leasing	399,032		4,868		5,074		—		408,974
Owner occupied	6,844,310		168,423		338,815		—		7,351,548
Municipal	518,513		1,318		1,056		—		520,887
Total commercial	20,277,701		383,824		770,947		11,892		21,444,364		$	412,514
Commercial real estate:
Construction and land development	1,925,685		8,464		52,259		—		1,986,408
Term	7,802,571		96,347		223,324		4,358		8,126,600
Total commercial real estate	9,728,256		104,811		275,583		4,358		10,113,008		145,009
Consumer:
Home equity credit line	2,304,352		—		16,798		—		2,321,150
1-4 family residential	5,138,660		—		62,222		—		5,200,882
Construction and other consumer real estate	367,932		—		2,610		—		370,542
Bankcard and other revolving plans	399,446		—		1,906		—		401,352
Other	211,811		—		549		—		212,360
Total consumer loans	8,422,201		—		84,085		—		8,506,286		47,140
Total	$	38,428,158	$	488,635	$	1,130,615	$	16,250	$	40,063,658	$	604,663

Impaired Loans

Loans are considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the contractual terms of the loan agreement, including scheduled interest payments. For our non-purchased credit-impaired loans, if a nonaccrual loan has a balance greater than $1 million, or if a loan is a troubled debt restructuring (“TDR”), including TDRs that subsequently default, or if the loan is no longer reported as a TDR, we individually evaluate the loan for impairment and estimate a specific

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reserve for the loan for all portfolio segments under applicable accounting guidance. Smaller nonaccrual loans are pooled for ALLL estimation purposes. PCI loans are included in impaired loans and are accounted for under separate accounting guidance. See subsequent discussion under Purchased Loans.

When a loan is impaired, we estimate a specific reserve for the loan based on the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. The process of estimating future cash flows also incorporates the same determining factors discussed previously under nonaccrual loans. When we base the impairment amount on the fair value of the loan’s underlying collateral, we generally charge off the portion of the balance that is impaired, such that these loans do not have a specific reserve in the ALLL. Payments received on impaired loans that are accruing are recognized in interest income, according to the contractual loan agreement. Payments received on impaired loans that are on nonaccrual are not recognized in interest income, but are applied as a reduction to the principal outstanding. The amount of interest income recognized on a cash basis during the time the loans were impaired within the three and six months endedJune 30, 2015 and 2014 was not significant.

Information on impaired loans individually evaluated is summarized as follows at June 30, 2015 and December 31, 2014, including the average recorded investment and interest income recognized for the three and six months endedJune 30, 2015 and 2014:

	June 30, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	212,734	$	39,539	$	142,328	$	181,867	$	31,670
Owner occupied	164,116		89,799		53,931		143,730		4,804
Municipal	1,471		992		—		992		—
Total commercial	378,321		130,330		196,259		326,589		36,474
Commercial real estate:
Construction and land development	50,251		9,300		24,579		33,879		973
Term	174,299		99,624		46,443		146,067		2,127
Total commercial real estate	224,550		108,924		71,022		179,946		3,100
Consumer:
Home equity credit line	29,015		15,390		10,361		25,751		497
1-4 family residential	81,050		28,841		39,264		68,105		9,732
Construction and other consumer real estate	3,232		1,216		1,123		2,339		190
Other	4,673		—		3,751		3,751		173
Total consumer loans	117,970		45,447		54,499		99,946		10,592
Total	$	720,841	$	284,701	$	321,780	$	606,481	$	50,166

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	December 31, 2014
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	185,520	$	43,257	$	103,565	$	146,822	$	22,852
Owner occupied	198,231		83,179		86,382		169,561		6,087
Municipal	1,535		1,056		—		1,056		—
Total commercial	385,286		127,492		189,947		317,439		28,939
Commercial real estate:
Construction and land development	60,993		16,500		26,977		43,477		1,773
Term	203,788		96,351		63,740		160,091		2,345
Total commercial real estate	264,781		112,851		90,717		203,568		4,118
Consumer:
Home equity credit line	30,209		14,798		11,883		26,681		437
1-4 family residential	86,575		37,096		35,831		72,927		8,494
Construction and other consumer real estate	3,902		1,449		1,410		2,859		233
Other	6,580		—		5,254		5,254		133
Total consumer loans	127,266		53,343		54,378		107,721		9,297
Total	$	777,333	$	293,686	$	335,042	$	628,728	$	42,354

	Three Months Ended June 30, 2015				Six Months Ended June 30, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	174,911	$	2,831	$	155,584	$	4,255
Owner occupied	144,613		3,186		142,817		6,970
Municipal	1,008		—		1,021		—
Total commercial	320,532		6,017		299,422		11,225
Commercial real estate:
Construction and land development	35,562		1,628		36,215		2,177
Term	144,054		5,063		142,439		10,038
Total commercial real estate	179,616		6,691		178,654		12,215
Consumer:
Home equity credit line	25,400		416		24,948		821
1-4 family residential	69,874		534		68,464		1,041
Construction and other consumer real estate	2,497		22		2,529		64
Bankcard and other revolving plans	—		1		1		100
Other	4,176		230		4,463		516
Total consumer loans	101,947		1,203		100,405		2,542
Total	$	602,095	$	13,911	$	578,481	$	25,982

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	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	$	194,683	$	4,212	$	188,136	$	6,802
Owner occupied	232,662		4,532		236,250		9,286
Municipal	9,270		—		9,615		—
Total commercial	436,615		8,744		434,001		16,088
Commercial real estate:
Construction and land development	61,957		1,394		64,265		4,932
Term	245,827		6,618		260,749		20,568
Total commercial real estate	307,784		8,012		325,014		25,500
Consumer:
Home equity credit line	25,854		372		25,470		774
1-4 family residential	82,353		512		81,909		1,052
Construction and other consumer real estate	3,164		36		3,166		74
Bankcard and other revolving plans	—		1		5		1
Other	7,314		421		7,854		930
Total consumer loans	118,685		1,342		118,404		2,831
Total	$	863,084	$	18,098	$	877,419	$	44,419

Modified and Restructured Loans

Loans may be modified in the normal course of business for competitive reasons or to strengthen the Company’s position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. These modifications are structured on a loan-by-loan basis and, depending on the circumstances, may include extended payment terms, a modified interest rate, forgiveness of principal, or other concessions. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which the Company has granted a concession that it would not otherwise consider, are considered TDRs.

We consider many factors in determining whether to agree to a loan modification involving concessions, and seek a solution that will both minimize potential loss to the Company and attempt to help the borrower. We evaluate borrowers’ current and forecasted future cash flows, their ability and willingness to make current contractual or proposed modified payments, the value of the underlying collateral (if applicable), the possibility of obtaining additional security or guarantees, and the potential costs related to a repossession or foreclosure and the subsequent sale of the collateral.

TDRs are classified as either accrual or nonaccrual loans. A loan on nonaccrual and restructured as a TDR will remain on nonaccrual status until the borrower has proven the ability to perform under the modified structure for a minimum of six months, and there is evidence that such payments can and are likely to continue as agreed. Performance prior to the restructuring, or significant events that coincide with the restructuring, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual at the time of restructuring or after a shorter performance period. If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains classified as a nonaccrual loan. A TDR loan that specifies an interest rate that at the time of the restructuring is greater than or equal to the rate the bank is willing to accept for a new loan with comparable risk may not be reported as a TDR or an impaired loan in the calendar years subsequent to the restructuring if it is in compliance with its modified terms.

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Selected information on TDRs that includes the recorded investment on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules:

	June 30, 2015
	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	$	1,819	$	3,654	$	16	$	115	$	213	$	21,388	$	27,205
Owner occupied	2,064		1,306		945		—		8,623		17,705		30,643
Total commercial	3,883		4,960		961		115		8,836		39,093		57,848
Commercial real estate:
Construction and land development	—		—		—		—		494		13,378		13,872
Term	7,142		896		173		974		2,277		30,129		41,591
Total commercial real estate	7,142		896		173		974		2,771		43,507		55,463
Consumer:
Home equity credit line	741		833		10,539		—		265		2,038		14,416
1-4 family residential	2,507		362		7,205		439		3,214		36,710		50,437
Construction and other consumer real estate	279		496		36		—		—		1,171		1,982
Total consumer loans	3,527		1,691		17,780		439		3,479		39,919		66,835
Total accruing	14,552		7,547		18,914		1,528		15,086		122,519		180,146
Nonaccruing
Commercial:
Commercial and industrial	159		467		—		3,616		6,782		37,336		48,360
Owner occupied	2,274		1,105		—		5,870		119		11,393		20,761
Municipal	—		992		—		—		—		—		992
Total commercial	2,433		2,564		—		9,486		6,901		48,729		70,113
Commercial real estate:
Construction and land development	10,706		62		—		—		3,229		3,708		17,705
Term	2,710		—		845		2,142		2,938		10,107		18,742
Total commercial real estate	13,416		62		845		2,142		6,167		13,815		36,447
Consumer:
Home equity credit line	10		528		669		61		—		48		1,316
1-4 family residential	8		280		1,897		180		1,040		6,785		10,190
Construction and other consumer real estate	—		147		—		67		—		78		292
Total consumer loans	18		955		2,566		308		1,040		6,911		11,798
Total nonaccruing	15,867		3,581		3,411		11,936		14,108		69,455		118,358
Total	$	30,419	$	11,128	$	22,325	$	13,464	$	29,194	$	191,974	$	298,504

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	December 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	$	2,611	$	6,509	$	18	$	3,203	$	3,855	$	34,585	$	50,781
Owner occupied	19,981		1,124		960		1,251		10,960		17,505		51,781
Total commercial	22,592		7,633		978		4,454		14,815		52,090		102,562
Commercial real estate:
Construction and land development	—		—		—		—		521		19,854		20,375
Term	7,328		9,027		179		3,153		2,546		39,007		61,240
Total commercial real estate	7,328		9,027		179		3,153		3,067		58,861		81,615
Consumer:
Home equity credit line	742		70		11,320		—		166		1,281		13,579
1-4 family residential	2,425		552		6,828		446		753		34,719		45,723
Construction and other consumer real estate	290		422		42		90		—		1,227		2,071
Total consumer loans	3,457		1,044		18,190		536		919		37,227		61,373
Total accruing	33,377		17,704		19,347		8,143		18,801		148,178		245,550
Nonaccruing
Commercial:
Commercial and industrial	442		576		—		611		5,199		20,410		27,238
Owner occupied	2,714		1,219		—		883		2,852		12,040		19,708
Municipal	—		1,056		—		—		—		—		1,056
Total commercial	3,156		2,851		—		1,494		8,051		32,450		48,002
Commercial real estate:
Construction and land development	11,080		68		—		93		3,300		6,427		20,968
Term	2,851		—		—		—		277		4,607		7,735
Total commercial real estate	13,931		68		—		93		3,577		11,034		28,703
Consumer:
Home equity credit line	—		—		420		203		—		399		1,022
1-4 family residential	3,378		1,029		1,951		191		3,527		9,413		19,489
Construction and other consumer real estate	—		463		—		—		—		100		563
Total consumer loans	3,378		1,492		2,371		394		3,527		9,912		21,074
Total nonaccruing	20,465		4,411		2,371		1,981		15,155		53,396		97,779
Total	$	53,842	$	22,115	$	21,718	$	10,124	$	33,956	$	201,574	$	343,329

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.

Unfunded lending commitments on TDRs amounted to approximately $3.7 million at June 30, 2015 and $6.1 millionat December 31, 2014.

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The total recorded investment of all TDRs in which interest rates were modified below market was $184.7 million at June 30, 2015 and $219.3 million at December 31, 2014. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types.

The net financial impact on interest income due to interest rate modifications below market for accruing TDRs is summarized in the following schedule:

	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2015			2014			2015			2014
Commercial:
Commercial and industrial	$	(64	)	$	(7	)	$	(119	)	$	20
Owner occupied	(72		)	(133		)	(184		)	(276		)
Total commercial	(136		)	(140		)	(303		)	(256		)
Commercial real estate:
Construction and land development	(26		)	(51		)	(63		)	(106		)
Term	(103		)	(137		)	(212		)	(285		)
Total commercial real estate	(129		)	(188		)	(275		)	(391		)
Consumer:
Home equity credit line	—			(2		)	(1		)	(4		)
1-4 family residential	(267		)	(287		)	(538		)	(587		)
Construction and other consumer real estate	(7		)	(8		)	(14		)	(17		)
Total consumer loans	(274		)	(297		)	(553		)	(608		)
Total decrease to interest income1	$	(539	)	$	(625	)	$	(1,131	)	$	(1,255	)

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

On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans.

The recorded investment of accruing and nonaccruing TDRs that had a payment default during the period listed below (and are still in default at period end) and are within 12 months or less of being modified as TDRs is as follows:

	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	135	$	135	$	—	$	135	$	135
Owner occupied	—		1,098		1,098		—		2,057		2,057
Total commercial	—		1,233		1,233		—		2,192		2,192
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		846		846		—		846		846
Total commercial real estate	—		846		846		—		846		846
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		107		107		—		107		107
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		107		107		—		107		107
Total	$	—	$	2,186	$	2,186	$	—	$	3,145	$	3,145

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	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

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2015 and 2014 were $88.7 millionand $141.3 million, respectively.

As of June 30, 2015, the amount of foreclosed residential real estate property held by the Company was approximately $1.4 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $10.1 million.

Concentrations of Credit Risk

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. Credit risks (whether on- or off-balance sheet) may occur when individual borrowers, groups of borrowers, or counterparties have similar economic characteristics, including industries, geographies, collateral types, sponsors, etc., and are similarly affected by changes in economic or other conditions. Credit risk also includes the loss that would be recognized subsequent to the reporting date if counterparties failed to perform as contracted. See Note 7 for a discussion of counterparty risk associated with the Company’s derivative transactions.

We perform an ongoing analysis of our loan portfolio to evaluate whether there is any significant exposure to any concentrations of credit risk. Based on this analysis, we believe that the loan portfolio is generally well diversified; however, there are certain significant concentrations in CRE and energy-related lending. Further, we cannot guarantee that we have fully understood or mitigated all risk concentrations or correlated risks. We have adopted and adhere to concentration limits on various types of CRE lending, particularly construction and land development lending, leveraged and enterprise value lending, municipal lending, and energy-related lending. All of these limits are continually monitored and revised as necessary.

Purchased Loans

Background and Accounting

We purchase loans in the ordinary course of business and account for them and the related interest income based on their performing status at the time of acquisition. PCI loans have evidence of credit deterioration at the time of acquisition and it is probable that not all contractual payments will be collected. Interest income for PCI loans is accounted for on an expected cash flow basis. Certain other loans acquired by the Company that are not credit-impaired include loans with revolving privileges and are excluded from the PCI tabular disclosures following. Interest income for these loans is accounted for on a contractual cash flow basis. Upon acquisition, in accordance

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with applicable accounting guidance, the acquired loans were recorded at their fair value without a corresponding ALLL. Certain acquired loans with similar characteristics such as risk exposure, type, size, etc., are grouped and accounted for in loan pools.

Outstanding Balances and Accretable Yield

The outstanding balances of all required payments and the related carrying amounts for PCI loans are as follows:

(In thousands)	June 30, 2015		December 31, 2014
Commercial	$	84,120	$	104,942
Commercial real estate	98,170		118,217
Consumer	14,579		17,910
Outstanding balance	$	196,869	$	241,069
Carrying amount	$	152,420	$	179,299
Less ALLL	1,139		2,800
Carrying amount, net	$	151,281	$	176,499

At the time of acquisition of PCI loans, we determine the loan’s contractually required payments in excess of all cash flows expected to be collected as an amount that should not be accreted (nonaccretable difference). With respect to the cash flows expected to be collected, the portion representing the excess of the loan’s expected cash flows over our initial investment (accretable yield) is accreted into interest income on a level yield basis over the remaining expected life of the loan or pool of loans. The effects of estimated prepayments are considered in estimating the expected cash flows.

Certain PCI loans are not accounted for as previously described because the estimation of cash flows to be collected involves a high degree of uncertainty. Under these circumstances, the accounting guidance provides that interest income is recognized on a cash basis similar to the cost recovery methodology for nonaccrual loans. The net carrying amounts in the preceding schedule also include the amounts for these loans, which were $2.4 million at June 30, 2015 and $5.3 million at December 31, 2014.

Changes in the accretable yield for PCI loans were as follows: 

(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Balance at beginning of period	$	50,931		$	65,765		$	45,055		$	77,528
Accretion	(11,674		)	(14,181		)	(21,257		)	(36,488		)
Reclassification from nonaccretable difference	4,579			5,531			17,860			14,451
Disposals and other	2,866			3,719			5,044			5,343
Balance at end of period	$	46,702		$	60,834		$	46,702		$	60,834

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.

The primary drivers of reclassification to accretable yield from nonaccretable difference and increases in disposals and other resulted primarily from (1) changes in estimated cash flows, (2) unexpected payments on nonaccrual loans, and (3) recoveries on zero balance loans pools. See subsequent discussion under changes in cash flow estimates.

ALLL Determination

For all acquired loans, the ALLL is only established for credit deterioration subsequent to the date of acquisition and represents our estimate of the inherent losses in excess of the book value of acquired loans. The ALLL for acquired loans is included in the overall ALLL in the balance sheet.

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During the three and six months endedJune 30, we adjusted the ALLL for acquired loans by recording a provision for loan losses of $0.3 million and $(0.5) million in 2015, and $0.2 million and $(2.5) million in 2014, respectively. The provision is net of the ALLL reversals discussed subsequently.

Changes in the provision for loan losses and related ALLL are driven in large part by the same factors that affect the changes in reclassification from nonaccretable difference to accretable yield, as discussed under changes in cash flow estimates.

Changes in Cash Flow Estimates

Over the life of the loan or loan pool, we continue to estimate cash flows expected to be collected. We evaluate quarterly at the balance sheet date whether the estimated present values of these loans using the effective interest rates have decreased below their carrying values. If so, we record a provision for loan losses.

For increases in carrying values that resulted from better-than-expected cash flows, we use such increases first to reverse any existing ALLL. During the three and six months endedJune 30, total reversals to the ALLL, including the impact of increases in estimated cash flows, were $1.1 million and $2.5 million in 2015 and $0.7 million and $3.6 million in 2014, respectively. When there is no current ALLL, we increase the amount of accretable yield on a prospective basis over the remaining life of the loan and recognize this increase in interest income.

For the three and six months endedJune 30, the impact of increased cash flow estimates recognized in the statement of income for acquired loans with no ALLL was approximately $9.3 million and $16.7 million in 2015and $11.7 million and $30.2 million in 2014, respectively, of additional interest income.

7. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Objectives

Our objectives in using derivatives are to add stability to interest income or expense, to modify the duration of specific assets or liabilities as we consider advisable, to manage exposure to interest rate movements or other identified risks, and/or to directly offset derivatives sold to our customers. To accomplish these objectives, we use interest rate swaps as part of our cash flow hedging strategy. These derivatives are used to hedge the variable cash flows associated with designated commercial loans.

Interest rate swap agreements designated as cash flow hedges involve the receipt of fixed-rate amounts in exchange for variable rate payments over the life of the agreements without exchange of the underlying principal amount. Derivatives not designated as accounting hedges, including basis swap agreements, are not speculative and are used to economically manage our exposure to interest rate movements and other identified risks, but do not meet the strict hedge accounting requirements.

Accounting

We record all derivatives on the balance sheet at fair value. Note 10 discusses the process to estimate fair value for derivatives. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting designation. Derivatives used to hedge the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected cash flows, or other types of forecasted transactions, are considered cash flow hedges.

For derivatives designated as fair value hedges, changes in the fair value of the derivative are recognized in earnings together with changes in the fair value of the related hedged item. The net amount, if any, representing hedge ineffectiveness, is reflected in earnings. In previous years, we used fair value hedges to manage interest rate exposure to certain long-term debt. These hedges have been terminated and their remaining balances are being amortized into earnings, as discussed subsequently.

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For derivatives designated as cash flow hedges, the effective portion of changes in the fair value of the derivative are recorded in OCI and recognized in earnings when the hedged transaction affects earnings. The ineffective portion of changes in the fair value of cash flow hedges is recognized directly in earnings.

No derivatives have been designated for hedges of investments in foreign operations.

We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transaction. For derivatives not designated as accounting hedges, changes in fair value are recognized in earnings.

The remaining balances of any derivative instruments terminated prior to maturity, including amounts in accumulated other comprehensive income (“AOCI”) for swap hedges, are accreted or amortized to interest income or expense over the period to their previously stated maturity dates.

Amounts in AOCI are reclassified to interest income as interest is earned on variable rate loans and as amounts for terminated hedges are accreted or amortized to earnings. For the 12 months following June 30, 2015, we estimate that an additional$8.7 millionwill be reclassified.

Collateral and Credit Risk

Exposure to credit risk arises from the possibility of nonperformance by counterparties. Financial institutions which are well capitalized and well established are the counterparties for those derivatives entered into for asset liability management and to offset derivatives sold to our customers. The Company reduces its counterparty exposure for derivative contracts by centrally clearing all eligible derivatives.

For those derivatives that are not centrally cleared, the counterparties are typically financial institutions or customers of the Company. For those that are financial institutions, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to International Swaps and Derivative Association (“ISDA”) master agreements. Eligible collateral types are documented by the CSA and are controlled under the Company’s general credit policies and are typically monitored on a daily basis. A valuation haircut policy reflects the fact that collateral may fall in value between the date the collateral is called and the date of liquidation or enforcement. In practice, all of the Company’s collateral held as credit risk mitigation under a CSA is cash.

We offer interest rate swaps to our customers to assist them in managing their exposure to changing interest rates. Upon issuance, all of these customer swaps are immediately offset through matching derivative contracts, such that the Company minimizes its interest rate risk exposure resulting from such transactions. Most of these customers do not have the capability for centralized clearing. Therefore we manage the credit risk through loan underwriting which includes a credit risk exposure formula for the swap, the same collateral and guarantee protection applicable to the loan and credit approvals, limits, and monitoring procedures. Fee income from customer swaps is included in other service charges, commissions and fees. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. Nevertheless, the related credit risk is considered and measured when and where appropriate. See Note 6 for further discussion of our underwriting, collateral requirements, and other procedures used to address credit risk.

Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for under their contracts. At June 30, 2015, the fair value of our derivative liabilities was $60.2 million, for which we were required to pledge cash collateral of approximately $46.3 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s or Moody’s at June 30, 2015, the additional amount of collateral we could be required to pledge is approximately $1.7 million. As a result of the Dodd-Frank Act, all newly eligible derivatives entered into are cleared through a central clearinghouse. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded.

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Derivative Amounts

Selected information with respect to notional amounts and recorded gross fair values at June 30, 2015 and December 31, 2014, and the related gain (loss) of derivative instruments for the three and six months endedJune 30, 2015 and 2014 is summarized as follows:

	June 30, 2015						December 31, 2014
	Notional amount		Fair value				Notional amount		Fair value
(In thousands)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments
Cash flow hedges:
Interest rate swaps	$	737,500	$	3,379	$	398	$	275,000	$	1,508	$	123
Total derivatives designated as hedging instruments	737,500		3,379		398		275,000		1,508		123
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2	2,984,909		43,968		45,598		2,770,052		48,287		50,669
Foreign exchange	315,300		16,615		14,249		443,721		16,625		15,272
Total derivatives not designated as hedging instruments	3,300,209		60,583		59,847		3,213,773		64,912		65,941
Total derivatives	$	4,037,709	$	63,962	$	60,245	$	3,488,773	$	66,420	$	66,064

	Three Months Ended June 30, 2015									Six Months Ended June 30, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI			Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	(424	)	$	1,218					$	3,829	$	2,234
	(424		)	1,218						3,829		2,234
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	465							$	933
Total derivatives designated as hedging instruments	(424		)	1,218				465		3,829		2,234				933
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2						$	3,873							$	4,390
Futures contracts						—								1
Foreign exchange						1,697								4,432
Total derivatives not designated as hedging instruments						5,570								8,823
Total derivatives	$	(424	)	$	1,218	$	5,570	$	465	$	3,829	$	2,234	$	8,823	$	933

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	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	1,988	$	577						$	2,526	$	928
	1,988		577							2,526		928
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	608								$	1,326
Total derivatives designated as hedging instruments	1,988		577					608		2,526		928					1,326
Derivatives not designated as hedging instruments
Interest rate swaps					$	348								$	354
Interest rate swaps for customers 2					(377		)							(926		)
Foreign exchange					1,998									3,709
Total return swap					(467		)							(7,894		)
Total derivatives not designated as hedging instruments					1,502									(4,757		)
Total derivatives	$	1,988	$	577	$	1,502		$	608	$	2,526	$	928	$	(4,757	)	$	1,326

Note: These schedules are not intended to present at any given time the Company’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain.

²  Notional amounts include both the customer swaps and the offsetting derivative contracts.

³  Amounts for the three and six months endedJune 30, of $1.2 million and $2.2 million in 2015, and $0.6 million and $0.9 million in 2014, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

At June 30, the fair values of derivative assets and liabilities were reduced by net credit valuation adjustments of $1.7 million and $0.1 million in 2015, and $1.9 million and $0.5 million in 2014, respectively. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

8. DEBT AND SHAREHOLDERS’ EQUITY

Long-term debt is summarized as follows:

(In thousands)	June 30, 2015		December 31, 2014
Junior subordinated debentures related to trust preferred securities	$	164,950	$	168,043
Convertible subordinated notes	143,964		132,838
Subordinated notes	334,888		335,798
Senior notes	406,149		432,385
FHLB advances	—		22,156
Capital lease obligations	987		1,062
Total	$	1,050,938	$	1,092,282

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or other basis adjustments, including the value of associated hedges.

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Maturities of long-term debt in 2015 include the following:

	Coupon rate	Carrying value
(In thousands)		June 30, 2015		Maturity
Convertible subordinated note	6.00%	$	76,523	September 15, 2015
Subordinated note	6.00%	32,520		September 15, 2015
Convertible subordinated note	5.50%	67,441		November 16, 2015
Subordinated note	5.50%	52,477		November 16, 2015
		$	228,961

Debt Redemptions

During the three and six months endedJune 30, 2015, we redeemed $19 million and $27 million of long-term senior notes. During the three months endedJune 30, 2015, we redeemed $3.1 million of trust preferred securities and the entire $22 million of FHLB advances; the FHLB redemption resulted in debt extinguishment cost of $2.4 million.

Basel III Capital Framework

Effective January 1, 2015, we adopted the new Basel III capital framework that was issued by the Federal Reserve for U.S. banking organizations. We adopted the new capital rules on a 2015 phase-in basis and will adopt the fully phased-in requirements effective January 1, 2019. During the first quarter, we made the “opt-out” election with respect to the regulatory capital treatment of AOCI under the Basel III framework.

Among other things, the new rules revise capital adequacy guidelines and the regulatory framework for prompt corrective action, and they modify specified quantitative measures of our assets, liabilities, and capital. The impact of these new rules will require the Company to maintain capital in excess of current “well-capitalized” regulatory standards.

Accumulated Other Comprehensive Income

Changes in AOCI by component are as follows:

(In thousands)	Net unrealized gains (losses) on investment securities				Net unrealized gains (losses) on derivatives and other				Pension and post-retirement			Total
Six Months Ended June 30, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		4,131				4,308			—			8,439
Amounts reclassified from AOCI, net of tax		85,812				(1,382		)	—			84,430
Other comprehensive income		89,943				2,926			—			92,869
Balance at June 30, 2015		$	(1,978	)		$	5,152		$	(38,346	)	$	(35,172	)
Income tax expense included in other comprehensive income		$	58,778			$	1,867		$	—		$	60,645
Six Months Ended June 30, 2014
Balance at December 31, 2013		$	(168,805	)		$	1,556		$	(24,852	)	$	(192,101	)
Other comprehensive income before reclassifications, net of tax		82,458				732			—			83,190
Amounts reclassified from AOCI, net of tax		(27,368		)		(558		)	—			(27,926		)
Other comprehensive income (loss)		55,090				174			—			55,264
Balance at June 30, 2014		$	(113,715	)		$	1,730		$	(24,852	)	$	(136,837	)
Income tax expense (benefit) included in other comprehensive income (loss)		$	44,082			$	151		$	—		$	44,233

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	Amounts reclassified from AOCI 1												Statement of income (SI) Balance sheet (BS)
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
Details about AOCI components	2015			2014			2015			2014				Affected line item
Net realized gains (losses) on investment securities	$	(138,436	)	$	5,026		$	(138,675	)	$	35,940		SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	(52,772		)	1,922			(52,863		)	7,996
	(85,664		)	3,104			(85,812		)	27,944
Net unrealized losses on investment securities	—			—			—			(27		)	SI	Net impairment losses on investment securities
Income tax benefit	—			—			—			(10		)
	—			—			—			(17		)
Accretion of securities with noncredit-related impairment losses not expected to be sold	—			(462		)	—			(944		)	BS	Investment securities, held-to-maturity
Deferred income taxes	—			189			—			385			BS	Other assets
	$	(85,664	)	$	2,831		$	(85,812	)	$	27,368
Net unrealized gains on derivative instruments	$	1,218		$	577		$	2,234		$	928		SI	Interest and fees on loans
Income tax expense	465			229			852			370
	$	753		$	348		$	1,382		$	558

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets. The opposite applies to positive reclassification amounts.

9. INCOME TAXES

The effective income tax rate for the three and six months endedJune 30, 2015 and 2014 was lower than the blended statutory rate of 38.25% primarily because of an increase in the proportion of nontaxable items relative to pretax income.

Net deferred tax assets were approximately $202 million at June 30, 2015 and $224 million at December 31, 2014. We evaluate deferred tax assets on a regular basis to determine whether an additional valuation allowance is required. Based on this evaluation, and considering the weight of the positive evidence compared to the negative evidence, we have concluded that an additional valuation allowance is not required as of June 30, 2015.

10. FAIR VALUE

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy uses three levels of inputs to measure the fair value of assets and liabilities as follows:

Level 1 – Quoted prices in active markets for identical assets or liabilities in active markets that the Company has the ability to access;

Level 2 – Observable inputs other than Level 1 including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and

Level 3 – Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

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The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measure in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales, although such sales may still be indicative of fair value. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity.

We use fair value to measure certain assets and liabilities on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets when adjusting carrying values, such as the application of lower of cost or fair value accounting, including recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments.

Fair Value Policies and Procedures

We have various policies, processes and controls in place to ensure that fair values are reasonably developed, reviewed and approved for use. These include a Securities Valuation Committee (“SVC”) comprised of executive management appointed by the Board of Directors. The SVC reviews and approves on a quarterly basis the key components of fair value estimation, including critical valuation assumptions for Level 3 modeling. A Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation.

Third Party Service Providers

We use a third party pricing service to provide pricing for approximately 91% of our AFS Level 2 securities. Fair values for other AFS Level 2 and for Level 3 securities generally use certain inputs corroborated by market data and include standard form discounted cash flow modeling.

For Level 2 securities, the third party pricing service provides documentation on an ongoing basis that presents market corroborative data, including detail pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test and validate this information as appropriate. Absent observable trade data, we do not adjust prices from our third party sources.

The following describes the hierarchy designations, valuation methodologies, and key inputs to measure fair value on a recurring basis for designated financial instruments:

Available-for-Sale

U.S. Treasury, Agencies and Corporations

U.S. Treasury securities are measured under Level 1 using quoted market prices when available. U.S. agencies and corporations are measured under Level 2 generally using the previously discussed third party pricing service.

Municipal Securities

Municipal securities are measured under Level 2 generally using the third party pricing service. Valuation inputs include Baa municipal curves, as well as FHLB and London Interbank Offered Rate (“LIBOR”) swap curves.

Mutual Funds and Other

Mutual funds and other securities are measured under Level 1 or Level 2. For Level 1, quoted market prices are used which may include net asset values or their equivalents. Level 2 valuations generally use quoted prices for similar securities.

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Trading Account

Securities in the trading account are measured under Level 1 using quoted market prices. If not available, quoted prices under Level 2 for similar securities are used.

Bank-Owned Life Insurance

Bank-owned life insurance (“BOLI”) is measured under Level 2 according to cash surrender values (“CSVs”) of the insurance policies that are provided by a third party service. Nearly all policies are general account policies with CSVs based on the Company’s claims on the assets of the insurance companies. The insurances companies’ investments include predominantly fixed income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers.

Private Equity Investments

Private equity investments are measured under Level 3. The Equity Investments Committee, consisting of executives familiar with the investments, reviews periodic financial information, including audited financial statements when available. Certain analytics may be employed that include current and projected financial performance, recent financing activities, economic and market conditions, market comparables, market liquidity, sales restrictions, and other factors. The amount of unfunded commitments to invest is disclosed in Note 11. Certain restrictions apply for the redemption of these investments and certain investments are prohibited by the Volcker Rule. See discussions in Notes 5 and 11.

Agriculture Loan Servicing

This asset results from our servicing of agriculture loans approved and funded by FAMC. We provide this servicing under an agreement with Farmer Mac for loans they own. The asset’s fair value represents our projection of the present value of future cash flows measured under Level 3 using discounted cash flow methodologies.

Interest-Only Strips

Interest-only strips are created as a by-product of the securitization process. When the guaranteed portions of SBA 7(a) loans are pooled, interest-only strips may be created in the pooling process. The asset’s fair value represents our projection of the present value of future cash flows measured under Level 3 using discounted cash flow methodologies.

Deferred Compensation Plan Assets and Obligations

Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued under Level 1 at quoted market prices, which represents the NAV of shares held by the plan at the end of the period.

Derivatives

Derivatives are measured according to their classification as either exchange-traded or over-the-counter (“OTC”). Exchange-traded derivatives consist of foreign currency exchange contracts measured under Level 1 because they are traded in active markets. OTC derivatives, including those for customers, consist of interest rate swaps and options. These derivatives are measured under Level 2 using third party services. Observable market inputs include yield curves (the LIBOR swap curve and relevant overnight index swap curves), foreign exchange rates, commodity prices, option volatilities, counterparty credit risk, and other related data. Credit valuation adjustments are required to reflect nonperformance risk for both the Company and the respective counterparty. These adjustments are determined generally by applying a credit spread to the total expected exposure of the derivative.

Securities Sold, Not Yet Purchased

Securities sold, not yet purchased, included in “Federal funds and other short-term borrowings” on the balance sheet, are measured under Level 1 using quoted market prices. If not available, quoted prices under Level 2 for similar securities are used.

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Quantitative Disclosure of Fair Value Measurements

Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows:

(In thousands)	June 30, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	4,314,267	$	—	$	4,314,267
Municipal securities			202,657				202,657
Other debt securities			23,815				23,815
Money market mutual funds and other	103,360		8,316				111,676
	103,360		4,549,055		—		4,652,415
Trading account			74,519				74,519
Other noninterest-bearing investments:
Bank-owned life insurance			479,596				479,596
Private equity investments					110,115		110,115
Other assets:
Agriculture loan servicing and interest-only strips					13,502		13,502
Deferred compensation plan assets	89,729						89,729
Derivatives:
Interest rate related and other			3,963				3,963
Interest rate swaps for customers			43,968				43,968
Foreign currency exchange contracts	16,615						16,615
	16,615		47,931		—		64,546
	$	209,704	$	5,151,101	$	123,617	$	5,484,422
LIABILITIES
Securities sold, not yet purchased	$	11,397	$	—	$	—	$	11,397
Other liabilities:
Deferred compensation plan obligations	89,729						89,729
Derivatives:
Interest rate related and other			398				398
Interest rate swaps for customers			45,598				45,598
Foreign currency exchange contracts	14,249						14,249
	14,249		45,996		—		60,245
	$	115,375	$	45,996	$	—	$	161,371

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(In thousands)	December 31, 2014
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	3,098,208	$	—	$	3,098,208
Municipal securities			185,093		4,164		189,257
Asset-backed securities:
Trust preferred – banks and insurance			22,701		393,007		415,708
Auction rate					4,761		4,761
Other			666		25		691
Money market mutual funds and other	105,348		30,275				135,623
	105,348		3,336,943		401,957		3,844,248
Trading account			70,601				70,601
Other noninterest-bearing investments:
Bank-owned life insurance			476,290				476,290
Private equity investments					99,865		99,865
Other assets:
Agriculture loan servicing and interest-only strips					12,227		12,227
Deferred compensation plan assets	88,878						88,878
Derivatives:
Interest rate related and other			1,508				1,508
Interest rate swaps for customers			48,287				48,287
Foreign currency exchange contracts	16,625						16,625
	16,625		49,795		—		66,420
	$	210,851	$	3,933,629	$	514,049	$	4,658,529
LIABILITIES
Securities sold, not yet purchased	$	24,230	$	—	$	—	$	24,230
Other liabilities:
Deferred compensation plan obligations	88,878						88,878
Derivatives:
Interest rate related and other			297				297
Interest rate swaps for customers			50,669				50,669
Foreign currency exchange contracts	15,272						15,272
	15,272		50,966		—		66,238
Other					13		13
	$	128,380	$	50,966	$	13	$	179,359

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Reconciliation of Level 3 Fair Value Measurements

The following reconciles the beginning and ending balances of assets and liabilities that are measured at fair value by class on a recurring basis using Level 3 inputs:

	Level 3 Instruments
	Three Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2015	$	2,465		$	438,338		$	4,803		$	105,232		$	12,001		$	—
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	1			214
Dividends and other investment income (loss)										(1,633		)
Equity securities gains, net										714
Fixed income securities losses, net	(375		)	(136,368		)	(606		)
Other noninterest income													1,483
Other comprehensive income (loss)	560			148,496			(116		)
Purchases										7,262			210
Sales	(2,651		)	(437,442		)	(4,081		)	(991		)
Redemptions and paydowns				(13,238		)				(469		)	(192		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

	Level 3 Instruments
	Six Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2014	$	4,164		$	393,007		$	4,761		$	97,649		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	3			471
Dividends and other investment income (loss)										(559		)
Equity securities gains, net										3,967
Fixed income securities losses, net	(344		)	(136,691		)	(606		)
Other noninterest income													1,487
Other noninterest expense																13
Other comprehensive income (loss)	687			141,547			(74		)
Fair value of HTM securities reclassified as AFS				57,308
Purchases										12,314			381
Sales	(2,651		)	(440,055		)	(4,081		)	(2,508		)
Redemptions and paydowns	(1,859		)	(15,587		)				(748		)	(593		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

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	Level 3 Instruments
	Three Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT		Auction rate		Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2014	$	10,184		$	690,217		$	—	$	6,560	$	30		$	81,052		$	11,207		$	(5,632	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	8			633					1
Dividends and other investment income (loss)														(1,052		)
Fair value and nonhedge derivative loss																				(467		)
Equity securities gains, net														584
Fixed income securities gains, net				4,383
Other noninterest income																	45
Other noninterest expense																				101
Other comprehensive income (loss)	92			6,878					17
Purchases														7,104			379
Sales														(15		)
Redemptions and paydowns	(246		)	(16,306		)					(2		)	(5,417		)	(170		)	5,866
Balance at June 30, 2014	$	10,038		$	685,805		$	—	$	6,578	$	28		$	82,256		$	11,461		$	(132	)

	Level 3 Instruments
	Six Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT			Auction rate			Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2013	$	10,662		$	1,238,820		$	22,996		$	6,599		$	25,800		$	82,410		$	8,852		$	(4,303	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	18			1,353						2
Dividends and other investment income (loss)																(2,747		)
Fair value and nonhedge derivative loss																						(7,894		)
Equity securities gains, net																584
Fixed income securities gains, net	16			22,965			1,399						10,917
Other noninterest income																			526
Other noninterest expense																						109
Other comprehensive income (loss)	(182		)	101,340						(23		)	(15		)
Purchases																8,460			2,456
Sales				(546,388		)							(36,669		)	(839		)
Redemptions and paydowns	(476		)	(63,092		)	(24,395		)				(5		)	(5,612		)	(373		)	11,956
Transfers to Level 2				(69,193		)
Balance at June 30, 2014	$	10,038		$	685,805		$	—		$	6,578		$	28		$	82,256		$	11,461		$	(132	)

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Except for the transfers included in the previous schedule, no transfers of assets or liabilities occurred among Levels 1, 2 or 3 for the three and six months endedJune 30, 2015 and 2014. Transfers are considered to have occurred as of the end of the reporting period.

The preceding reconciling amounts using Level 3 inputs include the following realized amounts in the statement of income:

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015			2014
Dividends and other investment income	$	4		$	—	$	4		$	34
Fixed income securities gains (losses), net	(137,349		)	4,383		(137,641		)	35,297
Equity securities losses, net	(674		)	—		(674		)	—

Nonrecurring Fair Value Measurements

Included in the balance sheet amounts are the following amounts of assets that had fair value changes during the year-to-date period measured on a nonrecurring basis.

(In thousands)	Fair value at June 30, 2015								Fair value at December 31, 2014
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	3,547	$	3,547	$	—	$	—	$	23,454	$	23,454
Impaired loans	—		10,983		—		10,983		—		16,574		—		16,574
Other real estate owned	—		2,594		—		2,594		—		8,034		—		8,034
	$	—	$	13,577	$	3,547	$	17,124	$	—	$	24,608	$	23,454	$	48,062

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
ASSETS
HTM securities adjusted for OTTI	$	—		$	—		$	—		$	(27	)
Private equity investments, carried at cost	(1,125		)	(133		)	(2,278		)	(133		)
Impaired loans	(2,808		)	(8,662		)	(5,357		)	(13,189		)
Other real estate owned	(310		)	(937		)	(1,318		)	(3,171		)
	$	(4,243	)	$	(9,732	)	$	(8,953	)	$	(16,520	)

During the three and six months endedJune 30, we recognized net gains of $1.1 million and $1.9 million in 2015 and $1.5 million and $2.5 million in 2014 from the sale of other real estate owned (“OREO”) properties that had a carrying value at the time of sale of approximately $10.1 million and $24.6 million during the six months endedJune 30, 2015 and 2014, respectively. Previous to their sale in these periods, we recognized impairment on these properties of $0.3 million and $0.4 million in 2015 and $0.3 million and $0.5 million in 2014.

Private equity investments carried at cost were measured at fair value for impairment purposes according to the methodology previously discussed for these investments. Amounts of private equity investments carried at cost were $29.6 million at June 30, 2015 and $39.1 million at December 31, 2014. Amounts of other noninterest-bearing investments carried at cost were $244.1 million at June 30, 2015 and $250.7 million at December 31, 2014, which were comprised of Federal Reserve, Federal Home Loan Bank, and Farmer Mac stock.

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Impaired (or nonperforming) loans that are collateral-dependent were measured at fair value based on the fair value of the collateral. OREO was measured initially at fair value based on property appraisals at the time of transfer and subsequently at the lower of cost or fair value.

Measurement of fair value for collateral-dependent loans and OREO was based on third party appraisals that utilize one or more valuation techniques (income, market and/or cost approaches). Any adjustments to calculated fair value were made based on recently completed and validated third party appraisals, third party appraisal services, automated valuation services, or our informed judgment. Evaluations were made to determine that the appraisal process met the relevant concepts and requirements of applicable accounting guidance.

Automated valuation services may be used primarily for residential properties when values from any of the previous methods were not available within 90 days of the balance sheet date. These services use models based on market,economic, and demographic values. The use of these models has only occurred in a very few instances and the related property valuations have not been significant to consider disclosure under Level 3 rather than Level 2.

Impaired loans not collateral-dependent were measured at fair valued based on the present value of future cash flows discounted at the expected coupon rates over the lives of the loans. Because the loans were not discounted at market interest rates, the valuations do not represent fair value and have been excluded from the nonrecurring fair value balance in the preceding schedules.

Fair Value of Certain Financial Instruments

Following is a summary of the carrying values and estimated fair values of certain financial instruments:

	June 30, 2015					December 31, 2014
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	570,869	$	578,327	3	$	647,252	$	677,196	3
Loans and leases (including loans held for sale), net of allowance	39,567,057		39,296,460		3	39,591,499		39,426,498		3
Financial liabilities:
Time deposits	2,263,146		2,265,320		2	2,406,924		2,408,550		2
Foreign deposits	372,106		372,069		2	328,391		328,447		2
Long-term debt (less fair value hedges)	1,050,367		1,091,173		2	1,090,778		1,159,287		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value. For financial assets, these include cash and due from banks and money market investments. For financial liabilities, these include demand, savings and money market deposits, and federal funds purchased and security repurchase agreements. The estimated fair value of demand, savings and money market deposits is the amount payable on demand at the reporting date. Carrying value is used because the accounts have no stated maturity and the customer has the ability to withdraw funds immediately. Also excluded from the summary are financial instruments recorded at fair value on a recurring basis, as previously described.

HTM investment securities primarily consist of municipal securities. They were measured at fair value according to the methodologies previously discussed for these investment types.

Loans are measured at fair value according to their status as nonimpaired or impaired. For nonimpaired loans, fair value is estimated by discounting future cash flows using the LIBOR yield curve adjusted by a factor which reflects the credit and interest rate risk inherent in the loan. These future cash flows are then reduced by the estimated “life-of-the-loan” aggregate credit losses in the loan portfolio. These adjustments for lifetime future credit losses are derived from the methods used to estimate the ALLL for our loan portfolio and are adjusted quarterly as necessary to reflect the most recent loss experience. Impaired loans are already considered to be held at fair value, except those whose fair value is determined by discounting cash flows, as discussed previously. See Impaired Loans in

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Note 6 for details on the impairment measurement method for impaired loans. Loans, other than those held for sale, are not normally purchased and sold by the Company, and there are no active trading markets for most of this portfolio.

Time and foreign deposits, and any other short-term borrowings, are measured at fair value by discounting future cash flows using the LIBOR yield curve to the given maturity dates.

Long-term debt is measured at fair value based on actual market trades (i.e., an asset value) when available, or discounting cash flows to maturity using the LIBOR yield curve adjusted for credit spreads.

These fair value disclosures represent our best estimates based on relevant market information and information about the financial instruments. Fair value estimates are based on judgments regarding current economic conditions, future expected loss experience, risk characteristics of the various instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of significant judgment, and cannot be determined with precision. Changes in these methodologies and assumptions could significantly affect the estimates.

11. COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES

Commitments and Guarantees

Contractual amounts of off-balance sheet financial instruments used to meet the financing needs of our customers are as follows:

(In thousands)	June 30, 2015		December 31, 2014
Net unfunded commitments to extend credit 1	$	16,678,282	$	16,658,757
Standby letters of credit:
Financial	677,693		745,895
Performance	193,710		183,482
Commercial letters of credit	37,674		32,144
Total unfunded lending commitments	$	17,587,359	$	17,620,278

¹  Net of participations

The Company’s 2014 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At June 30, 2015, the Company had recorded approximately $14.7 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $11.9 million attributable to the RULC and $2.8 million of deferred commitment fees.

At June 30, 2015, the Parent has guaranteed $15.0 million of debt of affiliated trusts issuing trust preferred securities.

At June 30, 2015, we had unfunded commitments for private equity investments of approximately $48 million. These obligations have no stated maturity. Certain PEIs related to these commitments are prohibited by the Volcker Rule. See related discussions about these investments in Notes 5 and 10.

Legal Matters

We are subject to litigation in court and arbitral proceedings, as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking,

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securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters.

As of June 30, 2015, we were subject to the following material litigation and governmental inquiries:

• a class action case, Reyes v. Zions First National Bank, et. al., which was brought in the United States District Court for the Eastern District of Pennsylvania in early 2010. This case relates to our banking relationships with customers that allegedly engaged in wrongful telemarketing practices. The plaintiff is seeking a trebled monetary award under the federal RICO Act. In the third quarter of 2013, the District Court denied the plaintiff’s motion for class certification in the Reyes case. The plaintiff appealed the District Court decision to the Third Circuit Court of Appeals. The Third Circuit had not ruled on the appeals as of August 2015.

• a governmental inquiry into possible money laundering activities of a customer of one of our subsidiary banks and the anti-money laundering practices of that bank (conducted by the United States Attorney’s Office for the Southern District of New York). Our first contact with the United States Attorney’s Office relating to this matter occurred in early 2012. We are unclear about the status of this inquiry.

• a governmental inquiry into the practices of our subsidiary, Zions Bank; our former subsidiary, NetDeposit, LLC; and possibly other of our affiliates relating primarily to payment processing for allegedly fraudulent telemarketers and other customer types (conducted by the Department of Justice). This inquiry has been directed towards the banking industry generally, including numerous banks unrelated to us, and has led to a number of enforcement actions. Our first contact with the Department of Justice relating to this matter occurred in early 2013. We are unclear about the status of the inquiry as it relates to us.

At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters.

In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available as of June 30, 2015, we estimated the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $50 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which an estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure.

Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period.

Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class

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action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

12. RETIREMENT PLANS

The following discloses the net periodic benefit cost (credit) and its components for the Company’s pension and postretirement plans:

	Pension benefits						Supplemental retirement benefits				Postretirement benefits						Pension benefits						Supplemental retirement benefits				Postretirement benefits
(In thousands)	Three Months Ended June 30,																Six Months Ended June 30,
	2015			2014			2015		2014		2015			2014			2015			2014			2015		2014		2015			2014
Service cost	$	—		$	—		$	—	$	—	$	8		$	8		$	—		$	—		$	—	$	—	$	16		$	16
Interest cost	1,783			1,880			101		113		10			12			3,566			3,760			201		227		20			23
Expected return on plan assets	(3,090		)	(3,326		)											(6,180		)	(6,652		)
Amortization of prior service cost							—		13		—			—									—		25		—			—
Amortization of net actuarial (gain) loss	1,574			797			31		5		(13		)	(18		)	3,147			1,593			62		10		(26		)	(35		)
Net periodic benefit cost (credit)	$	267		$	(649	)	$	132	$	131	$	5		$	2		$	533		$	(1,299	)	$	263	$	262	$	10		$	4

As disclosed in the Company’s 2014 Annual Report on Form 10-K, the Company has frozen its participation and benefit accruals for the pension plan and its contributions for individual benefit payments in the postretirement benefit plan.

13. OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. As of June 30, 2015, we operate seven community/regional banks in distinct geographical areas. Performance assessment and resource allocation are based upon this geographical structure. Zions Bank operates 101 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. Amegy operates 79 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 66 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon. Effective April 1, 2015, TCBO was merged into TCBW. Note 1 discusses the upcoming consolidation of the seven bank charters into one bank charter. When completed, this consolidation will affect the presentation of segment reporting, although certain geographical information will continue.

The operating segment identified as “Other” includes the Parent, Zions Management Services Company (“ZMSC”), certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. Net interest income is substantially affected by the Parent’s interest on long-term debt. ZMSC provides internal technology and operational services to affiliated operating businesses of the Company. ZMSC charges most of its costs to the affiliates on an approximate break-even basis.

The accounting policies of the individual operating segments are the same as those of the Company. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. Operating segments pay for centrally provided services based upon estimated or actual usage of those services.

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The following schedule presents selected operating segment information for the three months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy						CB&T						NBAZ					NSB
	2015			2014			2015			2014			2015			2014			2015		2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	144.2		$	145.6		$	95.0		$	95.4		$	98.7		$	103.7		$	40.3	$	40.3		$	28.3		$	28.3
Provision for loan losses	(8.4		)	(15.4		)	14.0			(7.5		)	(3.5		)	(12.9		)	2.7		(8.0		)	(3.0		)	(5.7		)
Net interest income after provision for loan losses	152.6			161.0			81.0			102.9			102.2			116.6			37.6		48.3			31.3			34.0
Noninterest income 1	(6.6		)	50.2			33.8			36.3			21.2			13.8			10.8		8.3			8.4			8.9
Noninterest expense	129.3			121.1			96.7			92.5			79.4			82.4			36.8		38.9			33.6			34.0
Income before income taxes	16.7			90.1			18.1			46.7			44.0			48.0			11.6		17.7			6.1			8.9
Income taxes (benefit)	4.6			33.2			5.2			15.9			17.2			19.0			4.0		6.6			2.0			3.0
Net income (loss)	12.1			56.9			12.9			30.8			26.8			29.0			7.6		11.1			4.1			5.9
Net income (loss) applicable to noncontrolling interests	0.9			—			—			—			—			—			—		—			—			—
Net income (loss) applicable to controlling interest	$	11.2		$	56.9		$	12.9		$	30.8		$	26.8		$	29.0		$	7.6	$	11.1		$	4.1		$	5.9
AVERAGE BALANCE SHEET DATA
Total assets	$	18,875		$	17,593		$	13,674		$	13,618		$	11,515		$	11,044		$	4,942	$	4,696		$	4,311		$	4,073
Cash and due from banks	251			335			97			213			86			156			43		74			75			82
Money market investments	2,970			2,679			1,980			2,435			1,776			1,252			402		412			885			764
Total securities	2,794			1,747			281			260			425			237			450		371			858			787
Total loans	12,172			12,317			10,159			9,563			8,472			8,655			3,846		3,648			2,358			2,318
Total deposits	16,456			15,322			11,198			11,167			9,864			9,394			4,291		4,014			3,902			3,676
Shareholder’s equity:
Preferred equity	280			280			226			227			162			162			85		98			50			50
Common equity	1,639			1,552			1,952			1,873			1,406			1,368			491		454			332			324
Noncontrolling interests	11			—			—			—			—			—			—		—			—			—
Total shareholder’s equity	1,930			1,832			2,178			2,100			1,568			1,530			576		552			382			374
	Vectra						TCBW						Other						Consolidated Company
	2015			2014			2015			2014			2015			2014			2015		2014
CONDENSED INCOME STATEMENT
Net interest income	$	26.4		$	25.4		$	7.7		$	8.0		$	(16.9	)	$	(30.4	)	$	423.7	$	416.3
Provision for loan losses	(0.4		)	(4.5		)	(0.8		)	(0.4		)	—			—			0.6		(54.4		)
Net interest income after provision for loan losses	26.8			29.9			8.5			8.4			(16.9		)	(30.4		)	423.1		470.7
Noninterest income 1	4.7			5.9			1.2			1.3			(73.1		)	0.2			0.4		124.9
Noninterest expense	24.4			23.7			(1.5		)	6.0			5.4			7.4			404.1		406.0
Income (loss) before income taxes	7.1			12.1			11.2			3.7			(95.4		)	(37.6		)	19.4		189.6
Income taxes (benefit)	2.4			4.3			3.9			1.3			(33.9		)	(13.3		)	5.4		70.0
Net income (loss)	4.7			7.8			7.3			2.4			(61.5		)	(24.3		)	14.0		119.6
Net income (loss) applicable to noncontrolling interests	—			—			—			—			(0.9		)	—			—		—
Net income (loss) applicable to controlling interest	$	4.7		$	7.8		$	7.3		$	2.4		$	(60.6	)	$	(24.3	)	$	14.0	$	119.6
AVERAGE BALANCE SHEET DATA
Total assets	$	3,236		$	2,595		$	987		$	948		$	(62	)	$	469		$	57,478	$	55,036
Cash and due from banks	29			47			35			25			(25		)	(13		)	591		919
Money market investments	522			20			142			104			(262		)	(162		)	8,415		7,504
Total securities	225			158			79			82			134			381			5,246		4,023
Total loans	2,400			2,316			721			725			3			2			40,131		39,544
Total deposits	2,831			2,184			852			799			(1,269		)	(1,097		)	48,125		45,459
Shareholder’s equity:
Preferred equity	25			42			3			3			173			142			1,004		1,004
Common equity	319			283			107			106			247			(215		)	6,493		5,745
Noncontrolling interests	—			—			—			—			(11		)	—			—		—
Total shareholder’s equity	344			325			110			109			409			(73		)	7,497		6,749

¹  Includes loss on sale of CDOs in 2015 of (in millions) $62.5 (Zions Bank), $0.6 (NSB), $0.6 (Vectra) and $73.1 (Other).

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The following schedule presents selected operating segment information for the six months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ						NSB
	2015			2014			2015			2014		2015			2014			2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	285.3		$	288.1		$	191.7		$	190.1	$	194.4		$	212.9		$	79.3		$	80.6		$	56.3		$	56.2
Provision for loan losses	(13.0		)	(24.1		)	25.1			9.4		(7.6		)	(15.0		)	3.4			(11.0		)	(11.7		)	(8.3		)
Net interest income after provision for loan losses	298.3			312.2			166.6			180.7		202.0			227.9			75.9			91.6			68.0			64.5
Noninterest income	40.2			94.2			67.8			68.3		37.9			19.6			19.3			16.6			17.4			13.8
Noninterest expense	256.7			242.6			190.7			179.5		153.8			167.7			73.7			76.2			65.7			66.1
Income before income taxes	81.8			163.8			43.7			69.5		86.1			79.8			21.5			32.0			19.7			12.2
Income taxes	28.0			60.0			13.7			23.2		33.6			31.1			7.4			11.8			6.6			4.0
Net income	53.8			103.8			30.0			46.3		52.5			48.7			14.1			20.2			13.1			8.2
Net income (loss) applicable to noncontrolling interests	1.4			—			—			—		—			—			—			—			—			—
Net income (loss) applicable to controlling interest	$	52.4		$	103.8		$	30.0		$	46.3	$	52.5		$	48.7		$	14.1		$	20.2		$	13.1		$	8.2
AVERAGE BALANCE SHEET DATA
Total assets	$	18,725		$	17,932		$	13,818		$	13,543	$	11,442		$	10,967		$	4,884		$	4,654		$	4,238		$	4,032
Cash and due from banks	274			337			140			267		88			161			46			73			73			85
Money market investments	2,969			3,110			2,013			2,469		1,718			1,191			399			351			810			732
Total securities	2,632			1,672			283			251		381			282			431			368			849			784
Total loans	12,176			12,282			10,217			9,463		8,487			8,597			3,805			3,672			2,371			2,312
Total deposits	16,309			15,649			11,337			11,133		9,783			9,334			4,235			3,983			3,829			3,637
Shareholder’s equity:
Preferred equity	280			280			226			190		162			162			85			109			50			50
Common equity	1,636			1,545			1,946			1,861		1,400			1,359			488			438			332			321
Noncontrolling interests	11			—			—			—		—			—			—			—			—			—
Total shareholder’s equity	1,927			1,825			2,172			2,051		1,562			1,521			573			547			382			371
	Vectra						TCBW					Other						Consolidated Company
	2015			2014			2015			2014		2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	52.1		$	50.7		$	15.1		$	15.7	$	(33.1	)	$	(61.5	)	$	841.1		$	832.8
Provision for loan losses	3.5			(6.3		)	(0.6		)	0.3		—			—			(0.9		)	(55.0		)
Net interest income after provision for loan losses	48.6			57.0			15.7			15.4		(33.1		)	(61.5		)	842.0			887.8
Noninterest income	9.8			9.7			2.2			0.3		(72.4		)	40.7			122.2			263.2
Noninterest expense	48.3			49.0			6.3			11.4		6.3			11.6			801.5			804.1
Income (loss) before income taxes	10.1			17.7			11.6			4.3		(111.8		)	(32.4		)	162.7			346.9
Income taxes (benefit)	3.1			6.1			4.0			1.5		(39.7		)	(11.6		)	56.7			126.1
Net income (loss)	7.0			11.6			7.6			2.8		(72.1		)	(20.8		)	106.0			220.8
Net income (loss) applicable to noncontrolling interests	—			—			—			—		(1.4		)	—			—			—
Net income (loss) applicable to controlling interest	$	7.0		$	11.6		$	7.6		$	2.8	$	(70.7	)	$	(20.8	)	$	106.0		$	220.8
AVERAGE BALANCE SHEET DATA
Total assets	$	3,107		$	2,582		$	981		$	947	$	(46	)	$	577		$	57,149		$	55,234
Cash and due from banks	29			47			35			25		(18		)	(17		)	667			978
Money market investments	431			17			135			113		(260		)	(163		)	8,215			7,820
Total securities	208			161			80			87		152			465			5,016			4,070
Total loans	2,379			2,298			717			709		3			2			40,155			39,335
Total deposits	2,700			2,176			841			800		(1,228		)	(1,093		)	47,806			45,619
Shareholder’s equity:
Preferred equity	25			56			3			3		173			154			1,004			1,004
Common equity	318			265			105			104		224			(223		)	6,449			5,670
Noncontrolling interests	—			—			—			—		(11		)	—			—			—
Total shareholder’s equity	343			321			108			107		386			(69		)	7,453			6,674

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ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

FORWARD-LOOKING INFORMATION

Statements in this Quarterly Report on Form 10-Q that are based on other than historical data are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements provide current expectations or forecasts of future events and include, among others:

• statements with respect to the beliefs, plans, objectives, goals, guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Bancorporation (“the Parent”) and its subsidiaries (collectively “the Company,” “Zions,” “we,” “our,” “us”); and

• statements preceded by, followed by, or that include the words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” “target,” “projects,” or similar expressions.

These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date. Forward-looking statements involve significant risks and uncertainties and actual results may differ materially from those presented, either expressed or implied, including, but not limited to, those presented in Management’s Discussion and Analysis. Factors that might cause such differences include, but are not limited to:

• the Company’s ability to successfully execute its business plans, manage its risks, and achieve its objectives, including its restructuring initiatives;

• changes in local, national and international political and economic conditions, including without limitation the political and economic effects of the recent economic crisis, delay of recovery from that crisis, economic and fiscal imbalances in the United States and other countries, potential or actual downgrades in ratings of sovereign debt issued by the United States and other countries, and other major developments, including wars, military actions, and terrorist attacks;

• changes in financial and commodity market prices and conditions, either internationally, nationally or locally in areas in which the Company conducts its operations, including without limitation reduced rates of business formation and growth, commercial and residential real estate development and real estate prices, and energy-related commodity prices;

• changes in markets for equity, fixed income, commercial paper and other securities, including availability, market liquidity levels, and pricing;

• changes in interest rates, the quality and composition of the loan and securities portfolios, demand for loan products, deposit flows and competition;

• acquisitions and integration of acquired businesses;

• increases in the levels of losses, customer bankruptcies, bank failures, claims, and assessments;

• changes in fiscal, monetary, regulatory, trade and tax policies and laws, and regulatory assessments and fees, including policies of the U.S. Department of Treasury, the OCC, the Board of Governors of the Federal Reserve Board System, and the FDIC, the SEC, and the CFPB; 

• the impact of executive compensation rules under the Dodd-Frank Act and banking regulations which may impact the ability of the Company and other American financial institutions to retain and recruit executives and other personnel necessary for their businesses and competitiveness;

• the impact of the Dodd-Frank Act and of new international standards known as Basel III, and rules and regulations thereunder, on our required regulatory capital and liquidity levels, governmental assessments on us, the scope of business activities in which we may engage, the manner in which we engage in such activities, the fees we may charge for certain products and services, and other matters affected by the Dodd-Frank Act and these international standards;

• continuing consolidation in the financial services industry;

• new legal claims against the Company, including litigation, arbitration and proceedings brought by governmental or self-regulatory agencies, or changes in existing legal matters;

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• success in gaining regulatory approvals, when required;

• changes in consumer spending and savings habits;

• increased competitive challenges and expanding product and pricing pressures among financial institutions;

• inflation and deflation;

• technological changes and the Company’s implementation of new technologies;

• the Company’s ability to develop and maintain secure and reliable information technology systems;

• legislation or regulatory changes which adversely affect the Company’s operations or business;

• the Company’s ability to comply with applicable laws and regulations;

• changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or regulatory agencies; and

• costs of deposit insurance and changes with respect to FDIC insurance coverage levels.

Except to the extent required by law, the Company specifically disclaims any obligation to update any factors or to publicly announce the result of revisions to any of the forward-looking statements included herein to reflect future events or developments.

GLOSSARY OF ACRONYMS

ACL	Allowance for Credit Losses	FAMC	Federal Agricultural Mortgage Corporation, or “Farmer Mac”
AFS	Available-for-Sale	FASB	Financial Accounting Standards Board
ALCO	Asset/Liability Committee	FDIC	Federal Deposit Insurance Corporation
ALLL	Allowance for Loan and Lease Losses	FHLB	Federal Home Loan Bank
Amegy	Amegy Corporation	FHLMC	Federal Home Loan Mortgage Corporation, or “Freddie Mac”
AOCI	Accumulated Other Comprehensive Income	FNMA	Federal National Mortgage Association, or “Fannie Mae”
ASC	Accounting Standards Codification	FRB	Federal Reserve Board
ASU	Accounting Standards Update	GAAP	Generally Accepted Accounting Principles
ATM	Automated Teller Machine	GNMA	Government National Mortgage Association, or “Ginnie Mae”
BOLI	Bank-Owned Life Insurance	HECL	Home Equity Credit Line
bps	basis points	HQLA	High Quality Liquid Assets
CB&T	California Bank & Trust	HTM	Held-to-Maturity
CCAR	Comprehensive Capital Analysis and Review	HVCRE	High Volatility Commercial Real Estate
CDO	Collateralized Debt Obligation	IFRS	International Financial Reporting Standards
CET1	Common Equity Tier 1 (Basel III)	ISDA	International Swap and Derivative Association
CFPB	Consumer Financial Protection Bureau	LCR	Liquidity Coverage Ratio
CLTV	Combined Loan-to-Value Ratio	LGD	Loss Given Default
COSO	Committee of Sponsoring Organizations of the Treadway Commission	LIBOR	London Interbank Offered Rate
CRE	Commercial Real Estate	LIHTC	Low-Income Housing Tax Credit
CSA	Credit Support Annex	MD&A	Management’s Discussion and Analysis
CSV	Cash Surrender Value	NAV	Net Asset Value
DBRS	Dominion Bond Rating Service	NBAZ	National Bank of Arizona
DFAST	Dodd-Frank Act Stress Test	NSFR	Net Stable Funding Ratio
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	NSB	Nevada State Bank
DTA	Deferred Tax Asset	OCC	Office of the Comptroller of the Currency
EITF	Emerging Issues Task Force	OCI	Other Comprehensive Income
EVE	Economic Value of Equity at Risk	OREO	Other Real Estate Owned

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OTC	Over-the-Counter	SNC	Shared National Credit
OTTI	Other-Than-Temporary Impairment	SVC	Securitization Valuation Committee
Parent	Zions Bancorporation	T1C	Tier 1 Common (Basel I)
PCI	Purchase Credit-Impaired	TCBO	The Commerce Bank of Oregon
PD	Probability of Default	TCBW	The Commerce Bank of Washington
PEI	Private Equity Investments	TDR	Troubled Debt Restructuring
REIT	Real Estate Investment Trust	Vectra	Vectra Bank Colorado
ROC	Risk Oversight Committee	VIE	Variable Interest Entity
RULC	Reserve for Unfunded Lending Commitments	VR	Volcker Rule
SBA	Small Business Administration	Zions Bank	Zions First National Bank
SBIC	Small Business Investment Company	ZMFU	Zions Municipal Funding
SEC	Securities and Exchange Commission	ZMSC	Zions Management Services Company

CRITICAL ACCOUNTING POLICIES AND SIGNIFICANT ESTIMATES

The Company has made no significant changes in its critical accounting policies and significant estimates from those disclosed in its 2014 Annual Report on Form 10-K.

RESULTS OF OPERATIONS

We reported second quarter net income of $14.0 million and a net loss applicable to common shareholders of $(1.1) million, or $(0.01) per diluted common share, compared to net earnings of $104.5 million, or $0.56 per diluted common share for the same prior year period. During the second quarter, the Company sold the remaining portfolio of its CDO securities and recognized a one-time pretax loss of approximately $137 million, or $0.42 after-tax per diluted common share. Shareholders’ equity was not adversely affected as the loss had been previously recognized in accumulated other comprehensive income (“AOCI”). Excluding the loss, net earnings applicable to common shareholders was $83.4 million, or $0.41 per diluted common share, for the second quarter of 2015, compared to $104.5 million, or $0.56 per diluted common share, for the second quarter of 2014. The following notable changes had a negative impact on net earnings applicable to common shareholders:

• $143.5 million decrease in fixed income securities gains, net;

• $55.0 million increase in the provision for loan losses;

• $12.4 million increase in salaries and employee benefits; and

• $8.0 million decrease in total interest income.

The impact of these items was partially offset by the following positive items:

• $64.5 million decrease in income taxes;

• $15.4 million decrease in total interest expense;

• $13.6 million decrease in other noninterest expense;

• $9.1 million decrease in the provision for unfunded lending commitments; and

• $5.0 million increase in other noninterest income.

Net earnings applicable to common shareholders for the first six months of 2015 were $74.2 million, or $0.36 per diluted share, compared to net earnings of $180.7 million, or $0.97 per diluted share in the corresponding prior year period. The following notable changes had a positive impact on net earnings applicable to common shareholders:

• $69.4 million decrease in income taxes;

• $35.4 million decrease in total interest expense;

• $27.8 million decrease in other noninterest expense;

• $11.2 million increase in fair value and nonhedge derivative income;

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• $8.3 million decrease in preferred stock dividends;

• $7.0 million increase in other service charges, commissions and fees; and

• $6.9 million decrease in the provision for unfunded lending commitments.

The impact of these items was partially offset by the following negative items:

• $174.6 million decrease in fixed income securities gains, net;

• $54.1 million increase in the provision for loan losses;

• $27.1 million decrease in total interest income; and

• $22.5 million increase in salaries and employee benefits.

During the second quarter of 2015, we announced a corporate restructuring in conjunction with several expense and revenue initiatives that are expected to substantially improve our profitability metrics, including:

• consolidate bank charters from seven to one while maintaining local leadership, local product pricing, and local brands;

• create a chief banking officer position, with responsibility for retail banking, wealth management, and residential mortgage lending;

• consolidate risk functions, while emphasizing local credit decision-making;

• consolidate various non-customer facing operations; and

• continue to invest in building best-in-class technology.

These changes are designed to improve the customer experience (e.g., faster turnaround times), simplify the corporate structure and how we do business, and drive substantial positive operating leverage. The increase in operating leverage is expected to come through increased revenue from growth in loans, deployment of cash to mortgage-backed securities, increased use of interest-rate swaps, and improvement in core fee income.

Once implemented, these changes should ultimately produce better revenue and expense trajectories. We plan to hold noninterest expense to below $1.6 billion, adjusted for certain expense items, in 2015 and 2016, with a slight increase in 2017. See the noninterest expense discussion on page 62 for more information. We have also provided an efficiency ratio target of less than or equal to 70% in the second half of 2015; less than or equal to 66% in 2016; and in the low 60% range in 2017. The efficiency ratio for the second quarter of 2015 was 71.4%, an improvement from 73.3% for the second quarter of 2014. See “GAAP to Non-GAAP Reconciliations” on page 89 for more information regarding the calculation of the efficiency ratio.

Net Interest Income, Margin and Interest Rate Spreads

Net interest income is the difference between interest earned on interest-earning assets and interest paid on interest-bearing liabilities; net interest income is the largest portion of our revenue. For the second quarter of 2015, taxable-equivalent net interest income was $428.0 million, compared to $421.6 million for the first quarter of 2015, and $420.2 million for the second quarter of 2014.

Net interest margin in 2015 vs. 2014

The net interest margin was 3.18% and 3.29% for the second quarter of 2015 and 2014, respectively, and 3.22% for the first quarter of 2015. The decreased net interest margin for the second quarter of 2015, compared to the same prior year period, resulted primarily from lower yields on loans held for investment and AFS securities.

Even though our average loan portfolio was $588 million higher during the second quarter of 2015, compared to the second quarter of 2014, the average interest rate earned on those assets was 4.22%, which is 19 bps lower than the comparable prior year period. This decline in interest income was primarily caused by (1) reduced interest income on loans acquired with FDIC assistance in 2009, as those acquired portfolios were successfully managed down, (2) adjustable rate loans originated in the past resetting to lower rates due to the current repricing index being lower

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than the rate when the loans were originated, (3) loans originated at lower rates than the weighted average rate of the existing portfolio, although during this past quarter we experienced an increase in the coupon on new production, and (4) the narrowing of credit and interest rate spreads. The primary reasons for the narrowing of credit and interest rate spreads are a combination of competitive pricing pressures and improved customer credit, which are the result of a more stable economic environment than a few years ago; a portion of the narrowing of the spreads may be attributed to the improved fundamental condition of our borrowers, such as stronger earnings and improved leverage ratios.

The average balance of AFS securities for the second quarter of 2015 increased by $1.2 billion, or 36.7%, while the average yield was 13 bps lower compared to the same prior year period. The decline in the average yield and the changes in the average balance are a result of changes in the composition of the AFS portfolio and the yields of the securities sold and purchased. Beginning in the second half of 2014, to improve the yield of the securities portfolio while maintaining holdings of high quality liquid assets (“HQLA”) securities, we started purchasing U.S. agency pass-through securities. These increases were partially offset by CDO sales and paydowns.

Average noninterest-bearing demand deposits provided us with low cost funding and comprised 43.6% of average total deposits for the second quarter of 2015, compared to 42.3% for second quarter of 2014. Average interest-bearing deposits increased by 3.4% in the second quarter of 2015, compared to the same prior year period, while the average rate paid remained unchanged at 18 bps.

The average balance of long-term debt was $957 million lower for the second quarter of 2015 compared to the same prior year period. The reduced balance was a result of tender offers, early calls, and redemptions at maturity, including $835 million during the third quarter of 2014. The average interest rate paid on long-term debt for the second quarter of 2015 increased by 26 bps compared to the same prior year period. This is due to the remaining outstanding balances of long-term debt being at higher interest rates than those that were redeemed during the past year. Refer to the “Liquidity Risk Management” section beginning on page 83 for more information.

During the second quarter of 2015, most of our cash in excess of that needed to fund earning assets was invested in money market assets, primarily deposits with the Federal Reserve Bank. Average money market investments were 15.6% of total interest-earning assets, compared to 14.7% in the same prior year period.

See “Interest Rate and Market Risk Management” on page 79 for further discussion of how we manage the portfolios of interest-earning assets, interest-bearing liabilities, and the associated risk.

The spread on average interest-bearing funds was 2.98% and 3.00% for the second quarters of 2015 and 2014, respectively. The rate on interest-earning assets in the second quarter of 2015 of 3.42% was 24 bps lower than that in the same prior year period, but the cost on interest-bearing liabilities declined by 22 bps during the same comparable periods.

We expect the mix of interest-earning assets to change over the next several quarters due to slight-to-moderate loan growth in the commercial and industrial portfolios, accompanied by somewhat less growth in commercial real estate loans. In addition, as discussed below, we are incrementally investing in short-to-medium duration U.S. agency pass-through securities that qualify as HQLA; over time we expect these investments to reduce the proportion of earning assets in cash and money market investments, and increase the proportion of AFS securities. Average yields on the loan portfolio may continue to experience modest downward pressure due to competitive pricing, lower benchmark indices (such as LIBOR), and growth in lower-yielding residential mortgages; however, we expect this pressure to be somewhat less compared to the prior two years. We believe that some of the downward pressure on the net interest margin will be mitigated by lower interest expense on reduced levels of long-term debt due to maturities that will occur in the third and fourth quarters of 2015. We also believe we can offset some of the pressure on the net interest margin through loan growth, purchases of AFS securities, and employment of interest rate swaps designated as cash flow hedges.

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We expect to remain “asset-sensitive” (which refers to net interest income increasing as a result of a rising interest rate environment) with regard to interest rate risk. In response to new liquidity and liquidity stress-testing regulations, which elevate, relative to historic levels, the proportion of HQLA we will be required to hold, we decided in the second half of 2014 to begin deploying cash into short-to-medium duration U.S. agency pass-through securities. In the second quarter of 2015, we purchased HQLA securities of $834 million at amortized cost and we are continuing these purchases. Over time these purchases are expected to somewhat reduce our asset sensitivity compared to previous periods. Our estimates of the Company’s actual interest rate risk position are highly dependent upon a number of assumptions regarding the repricing behavior of various deposit and loan types in response to changes in both short-term and long-term interest rates, balance sheet composition, and other modeling assumptions, as well as the actions of competitors and customers in response to those changes. In addition, our modeled projections for noninterest-bearing demand deposits, a substantial portion of our deposit balances, are particularly reliant on assumptions for which there is little historical experience due to the prolonged period of very low interest rates. Further detail on interest rate risk is discussed in “Interest Rate Risk” on page 79.

The following schedule summarizes the average balances, the amount of interest earned or incurred, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities that generate taxable-equivalent net interest income.

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CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES

(Unaudited)

	Three Months Ended June 30, 2015							Three Months Ended June 30, 2014
(In thousands)	Average balance			Amount of interest 1		Average yield/rate		Average balance			Amount of interest 1		Average yield/rate
ASSETS
Money market investments	$	8,414,602		$	5,785	0.28	%	$	7,503,818		$	4,888	0.26	%
Securities:
Held-to-maturity	583,349			7,361		5.06	%	600,392			8,040		5.37	%
Available-for-sale	4,585,760			22,706		1.99	%	3,355,710			17,746		2.12	%
Trading account	76,706			610		3.19	%	66,929			566		3.39	%
Total securities	5,245,815			30,677		2.35	%	4,023,031			26,352		2.63	%
Loans held for sale	115,377			1,002		3.48	%	113,569			1,021		3.61	%
Loans and leases 2
Commercial	21,527,723			226,656		4.22	%	21,151,257			232,768		4.41	%
Commercial real estate	10,089,092			112,472		4.47	%	10,472,363			121,224		4.64	%
Consumer	8,514,519			82,955		3.91	%	7,920,196			80,857		4.09	%
Total loans and leases	40,131,334			422,083		4.22	%	39,543,816			434,849		4.41	%
Total interest-earning assets	53,907,128			459,547		3.42	%	51,184,234			467,110		3.66	%
Cash and due from banks	591,347							919,157
Allowance for loan losses	(621,348		)					(734,517		)
Goodwill	1,014,129							1,014,129
Core deposit and other intangibles	22,135							32,234
Other assets	2,564,121							2,621,036
Total assets	$	57,477,512						$	55,036,273
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	24,514,516		9,743		0.16	%	$	23,479,755		9,069		0.15	%
Time	2,300,593			2,464		0.43	%	2,507,489			2,918		0.47	%
Foreign	325,640			114		0.14	%	258,234			109		0.17	%
Total interest-bearing deposits	27,140,749			12,321		0.18	%	26,245,478			12,096		0.18	%
Borrowed funds:
Federal funds and other short-term borrowings	214,287			74		0.14	%	261,011			63		0.10	%
Long-term debt	1,081,785			19,137		7.10	%	2,038,810			34,749		6.84	%
Total borrowed funds	1,296,072			19,211		5.95	%	2,299,821			34,812		6.07	%
Total interest-bearing liabilities	28,436,821			31,532		0.44	%	28,545,299			46,908		0.66	%
Noninterest-bearing deposits	20,984,073							19,213,921
Other liabilities	559,722							528,369
Total liabilities	49,980,616							48,287,589
Shareholders’ equity:
Preferred equity	1,004,031							1,003,988
Common equity	6,492,865							5,744,696
Total shareholders’ equity	7,496,896							6,748,684
Total liabilities and shareholders’ equity	$	57,477,512						$	55,036,273
Spread on average interest-bearing funds						2.98	%						3.00	%
Taxable-equivalent net interest income and net yield on interest-earning assets				$	428,015	3.18	%				$	420,202	3.29	%

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	Six Months Ended June 30, 2015							Six Months Ended June 30, 2014
(In thousands)	Average balance			Amount of interest 1		Average yield/rate		Average balance			Amount of interest 1		Average yield/rate
ASSETS
Money market investments	$	8,215,087		$	11,003	0.27	%	$	7,820,058		$	10,018	0.26	%
Securities:
Held-to-maturity	608,001			15,356		5.09	%	593,968			16,231		5.51	%
Available-for-sale	4,334,279			43,479		2.02	%	3,413,028			38,976		2.30	%
Trading account	73,327			1,208		3.32	%	62,759			1,048		3.37	%
Total securities	5,015,607			60,043		2.41	%	4,069,755			56,255		2.79	%
Loans held for sale	110,356			1,916		3.50	%	135,249			2,421		3.61	%
Loans and leases 2
Commercial	21,551,958			449,990		4.21	%	21,030,626			459,067		4.40	%
Commercial real estate	10,086,995			223,285		4.46	%	10,436,412			250,420		4.84	%
Consumer	8,516,086			165,991		3.93	%	7,868,303			160,337		4.11	%
Total loans and leases	40,155,039			839,266		4.21	%	39,335,341			869,824		4.46	%
Total interest-earning assets	53,496,089			912,228		3.44	%	51,360,403			938,518		3.68	%
Cash and due from banks	667,062							978,358
Allowance for loan losses	(615,324		)					(740,063		)
Goodwill	1,014,129							1,014,129
Core deposit and other intangibles	23,239							33,645
Other assets	2,564,160							2,587,357
Total assets	$	57,149,355						$	55,233,829
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	24,365,220		19,188		0.16	%	$	23,195,557		17,921		0.16	%
Time	2,336,344			5,002		0.43	%	2,533,740			6,001		0.48	%
Foreign	338,684			235		0.14	%	1,000,946			953		0.19	%
Total interest-bearing deposits	27,040,248			24,425		0.18	%	26,730,243			24,875		0.19	%
Borrowed funds:
Federal funds and other short-term borrowings	217,002			152		0.14	%	255,060			130		0.10	%
Long-term debt	1,086,718			38,055		7.06	%	2,137,585			73,006		6.89	%
Total borrowed funds	1,303,720			38,207		5.91	%	2,392,645			73,136		6.16	%
Total interest-bearing liabilities	28,343,968			62,632		0.45	%	29,122,888			98,011		0.68	%
Noninterest-bearing deposits	20,765,946							18,888,605
Other liabilities	586,091							547,915
Total liabilities	49,696,005							48,559,408
Shareholders’ equity:
Preferred equity	1,004,023							1,003,979
Common equity	6,449,327							5,670,442
Total shareholders’ equity	7,453,350							6,674,421
Total liabilities and shareholders’ equity	$	57,149,355						$	55,233,829
Spread on average interest-bearing funds						2.99	%						3.01	%
Taxable-equivalent net interest income and net yield on interest-earning assets				$	849,596	3.20	%				$	840,507	3.30	%

¹  Taxable-equivalent rates used where applicable.

²  Net of unearned income and fees, net of related costs. Loans include nonaccrual and restructured loans.

Provisions for Credit Losses

The provision for loan losses is the amount of expense that, in our judgment, is required to maintain the allowance for loan losses at an adequate level based on the inherent risks in the loan portfolio. The provision for unfunded lending commitments is used to maintain the reserve for unfunded lending commitments at an adequate level based on the inherent risks associated with such commitments. In determining adequate levels of the allowance and

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reserve, we perform periodic evaluations of our various loan portfolios, the levels of actual charge-offs, credit trends, and external factors. See Note 6of the Notes to Consolidated Financial Statements and “Credit Risk Management” on page 68 for more information on how we determine the appropriate level for the ALLL and the RULC.

During the past few years, we have experienced a significant improvement in credit quality metrics; however, recently we have experienced deterioration in various credit quality metrics primarily related to energy-related loans at Amegy Bank. Overall most credit quality metrics for the second quarter of 2015 compared to the same prior year period remained relatively stable. Gross loan and lease charge-offs increased to $31 million in the second quarter of 2015, compared to $23 million in the same prior year period. However, we had gross recoveries of $20 million in the second quarter of 2015, compared to $17 million in the same prior year period.

Nonperforming assets increased to $386 million at June 30, 2015 from $326 million at December 31, 2014. The ratio of nonperforming assets to loans and leases and other real estate owned increased to 0.96% at June 30, 2015 from 0.81% at December 31, 2014. Classified loans increased to $1.3 billion at June 30, 2015 from $1.1 billion at December 31, 2014. Approximately 85% of classified loans at June 30, 2015 were current as to principal and interest payments, compared to 83% at December 31, 2014. Classified loans are loans with well-defined credit weaknesses that are risk graded Substandard or Doubtful.

The allowance for loan losses increased by approximately $5 million since December 31, 2014, primarily as a result of the deterioration of credit quality metrics in the energy portfolio. The recent deterioration in credit quality metrics in the energy portfolio has been generally offset by improvements in credit quality in the remainder of the loan and lease portfolio, resulting in a provision of $0.6 million in the second quarter of 2015, compared to a provision of $(54.4) million in the second quarter of 2014. The negative provision in the second quarter of 2014 was due to the continued improvement in portfolio-specific credit quality metrics and sustained improvement in broader economic and credit quality indicators. During the second quarter of 2015, we did not increase our energy-related reserve, although we did transfer some of the qualitative portion of the reserve to the quantitative portion of the reserve as a result of the modest increase in classified loans. We continue to exercise caution with regard to the appropriate level of the allowance for loan losses, given the state of the economy and the sensitivity of its energy loan portfolio to oil and gas prices. Refer to the “Energy-Related Exposure” section on page 69 for more information.

During the second quarter of 2015, we recorded a $(2.3) million provision for unfunded lending commitments compared to $6.8 million in the second quarter of 2014. The negative provision in the second quarter of 2015 was primarily due to the closing of an impaired unfunded commitment and the reduction of energy-related commitments. From quarter to quarter, the provision for unfunded lending commitments may be subject to sizable fluctuations due to changes in the timing and volume of loan commitments, originations, funding, and changes in credit quality.

Noninterest Income

Noninterest income represents revenues we earn for products and services that have no associated interest rate or yield. For the second quarter of 2015, noninterest income was $0.4 million, compared to $124.8 million for the same prior year period. The $124.4 million decrease was primarily attributable to a one-time loss of approximately $137 million from the sale of the remaining CDO portfolio. The following are major components of noninterest income line items impacting the first quarter change.

Other service charges, commissions and fees, which are comprised of ATM fees, insurance commissions, bankcard merchant fees, debit and credit card interchange fees, cash management fees, lending commitment fees, syndication and servicing fees, and other miscellaneous fees, increased by $3.7 million in the second quarter of 2015 compared to the same prior year period. The increase was primarily due to increased interchange and merchant fees from commercial credit cards and from interest rate swap management fees.

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Fair value and nonhedge derivative income (loss) represents the fair value gains and losses from nonhedge credit derivatives. Fair value and nonhedge derivative income (loss) improved by $3.8 million to a gain of $1.8 million in the second quarter of 2015 from a loss of $1.9 million in the second quarter of 2014.

Fixed income securities gains were a net loss of $138.4 million in the second quarter of 2015, compared to net gains of $5.0 million in the second quarter of 2014. The decrease resulted from the sale of the remaining portfolio of CDO securities for a loss of approximately $136.8 million.

Other noninterest income increased to $5.7 million during the second quarter of 2015 from $0.7 million during the same prior year period. The increase was driven by a $2.4 million gain on sale of a branch in California and an increase in income from SBA interest-only assets.

For the first six months of 2015, noninterest income decreased by $140.9 million, compared to the first six months of 2014. The decrease was primarily a result of a one-time loss related to the sale of CDO securities, resulting in a decline of $174.6 million in fixed securities gains compared to the first six months of 2014. These losses were partially offset by an increase in other service charges, commissions and fees and in fair value and nonhedge derivative income, as explained previously.

The only other significant item impacting the first six months of 2015 not previously discussed is income from equity securities. Equity securities gains for the first six months of 2015 increased by $4.8 million, compared to the first six months of 2014. The increase is primarily related to higher amounts of realized gains related to our SBIC equity investments.

Noninterest Expense

Noninterest expense decreased by $1.9 million, or 0.5%, to $404.1 million in the second quarter of 2015, compared to the same prior year period. The decline in noninterest expense was primarily caused by a decline in other noninterest expense and the provisions for unfunded lending commitments. The decline was partially offset by increases in salaries and employee benefits. The following are major components of noninterest expense line items impacting the second quarter change.

Salaries and employee benefits increased by $12.4 million, or 5.2%, during the second quarter of 2015, compared to the same prior year period. Most of the increase in salaries and employee benefits can be attributed to higher base salaries even though the number of full-time equivalent employees declined by 271 in the second quarter of 2015 compared to the second quarter of 2014. Our overall headcount was 10,265 full-time equivalent employees as of June 30, 2015, compared to 10,536 at June 30, 2014. Staff reductions, primarily at several affiliate banks, were partially offset by increased headcount in specific areas, including our major systems projects, compliance, and build-out of enterprise risk management and stress-testing functions.

Other noninterest expense for the second quarter of 2015 was $53.3 million, compared to $66.9 million for the same prior year period. The decrease is largely due to $9.2 million of insurance recoveries primarily related to a prior legal settlement at The Commerce Bank of Washington. The decrease in noninterest expense was also due to decreased write-downs of the FDIC indemnification asset. The balance of FDIC-supported/PCI loans has declined significantly since the second quarter of 2014, primarily due to paydowns and payoffs. We do not expect significant write-downs of the FDIC indemnification asset in 2015.

For the first six months of 2015, noninterest expense decreased by $2.5 million, compared to the first six months of 2014. The decrease was primarily related to a decrease of $27.8 million in other noninterest expense for the first six months of 2015, compared to the first six months of 2014, as a result of decreased write-downs of the FDIC indemnification asset. Additionally, the provision for unfunded lending commitments decreased $6.9 million for the first six months of 2015, compared to the first six months of 2014. The decrease in noninterest expense for the first six months of 2015, compared to the first six months of 2014, was partially offset by a $22.5 million increase in salaries and employee benefits for similar reasons explained previously.

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We plan to hold noninterest expense to below $1.6 billion, adjusted for certain expense items, in 2015 and 2016, with a slight increase in 2017. The expense items that we exclude from the targeted noninterest expense of $1.6 billion are the same as those excluded in arriving at the efficiency ratio (see “GAAP to Non-GAAP Reconciliations” on page 89 for more information regarding the calculation of the efficiency ratio).

Income Taxes

Income tax expense for the second quarter of 2015 was $5.5 million, compared to $70.0 million for the same period in 2014. The effective income tax rates were 28.3% for the second quarter of 2015 and 36.9% for the same period in 2014. The tax rate for the second quarter of 2015 was lower compared to the same period in 2014 due to an increase in the proportion of nontaxable items relative to pretax income as well as the 2014 accrual of $2.3 million of interest expense reflected in tax expense. The year-to-date tax rates for 2015 and 2014 were similarly impacted by the previously discussed permanent items.

We had a net deferred tax asset (“DTA”) balance of $202 million at June 30, 2015, compared to $224 million at December 31, 2014. The decrease in the DTA resulted primarily from the payout of accrued compensation and the realization of losses related to the sale of CDO securities in the second quarter of 2015. The decrease in the DTA was partially offset by decreases in deferred tax liabilities related to premises and equipment and the deferred gain on the Company’s 2009 debt exchange.

BALANCE SHEET ANALYSIS

Interest-Earning Assets

Interest-earning assets are those assets that have interest rates or yields associated with them. One of our goals is to maintain a high level of interest-earning assets relative to total assets while keeping nonearning assets at a minimum. Interest-earning assets consist of money market investments, securities, loans, and leases.

The schedulereferred to in our discussion of net interest income includes the average balances of our interest earning assets, the amount of revenue generated by them, and their respective yields. Another goal is to maintain a higher-yielding mix of interest-earning assets, such as loans, relative to lower-yielding assets, such as money market investments or securities, while maintaining adequate levels of highly liquid assets. The current period of slow economic growth accompanied by the moderate loan demand experienced in recent quarters has made it difficult to achieve these goals. In 2014, we began to incrementally deploy some of our excess cash into short-to-medium duration pass-through U.S. agency securities that qualify as HQLA under new LCR and liquidity stress-testing regulations. As a result of this, in the second quarter of 2015, we purchased $834 million at amortized cost of HQLA securities and are continuing these purchases.

Average interest-earning assets were $53.5 billion for the first six months of 2015, compared to $51.4 billion for the first six months of 2014. Average interest-earning assets as a percentage of total average assets for the first six months of 2015 were 93.6%, compared to 93.0% in the corresponding prior year period.

Average loans and leases were $40.2 billion and $39.3 billion for the first six months of 2015 and 2014, respectively. Average loans and leases as a percentage of total average assets for the first six months of 2015 were 70.3%, compared to 71.2% in the corresponding prior year period.

Average money market investments, consisting of interest-bearing deposits, federal funds sold, and security resell agreements, increased by 5.1% to $8.2 billion for the first six months of 2015, compared to $7.8 billion for the first six months of 2014. Average securities increased by 23.2% for the first six months of 2015 compared to the first six months of 2014. Average total deposits increased by 4.8% resulting from an increase in noninterest-bearing deposits and savings and money market deposits, while average loans and leases increased by 2.1% for the first six months of 2015, compared to the same period of 2014. The increase in securities growth was due to an increase in the

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purchase of U.S. agency pass-through securities in efforts to deploy cash incrementally into HQLA securities that currently have a higher yield than money market investments, and to manage our asset sensitivity. Loan growth increased in the first quarter of 2015 as a result of increases in the commercial and industrial and CRE portfolios, but declined in the second quarter. The decrease was primarily attributable to commercial and industrial loans, including a decline in energy-related loans during the second quarter of 2015 primarily at Amegy Bank, due to elevated levels of prepayments, in particular with energy-related loans.

Investment Securities Portfolio

We invest in securities to actively manage liquidity and interest rate risk, in addition to generating revenues for the Company. Refer to the “Liquidity Risk Management” section on page 83 for additional information on management of liquidity and funding and compliance with Basel III and LCR requirements. The following schedule presents a profile of our investment securities portfolio. The amortized cost amounts represent the original cost of the investments, adjusted for related accumulated amortization or accretion of any yield adjustments, and for impairment losses, including credit-related impairment. The estimated fair value measurement levels and methodology are discussed in Note 10of the Notes to Consolidated Financial Statements.

INVESTMENT SECURITIES PORTFOLIO

	June 30, 2015						December 31, 2014
(In millions)	Amortized cost		Carrying value		Estimated fair value		Amortized cost		Carrying value		Estimated fair value
Held-to-maturity
Municipal securities	$	571	$	571	$	578	$	608	$	608	$	620
Asset-backed securities:
Trust preferred securities – banks and insurance	—		—		—		79		39		57
	571		571		578		687		647		677
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	661		650		650		607		601		601
Agency guaranteed mortgage-backed securities	2,001		2,002		2,002		935		945		945
Small Business Administration loan-backed securities	1,653		1,662		1,662		1,544		1,552		1,552
Municipal securities	202		203		203		189		189		189
Other debt securities	26		24		24		—		—		—
Asset-backed securities:
Trust preferred securities – banks and insurance	—		—		—		538		415		415
Other	—		—		—		6		6		6
	4,543		4,541		4,541		3,819		3,708		3,708
Money market mutual funds and other	112		112		112		137		136		136
	4,655		4,653		4,653		3,956		3,844		3,844
Total	$	5,226	$	5,224	$	5,231	$	4,643	$	4,491	$	4,521

The amortized cost of investment securities at June 30, 2015 increased by 12.6% from the balances at December 31, 2014, primarily due to purchases of agency guaranteed mortgage-backed securities. There were additional increases in agency securities and Small Business Administration loan-backed securities. These increases were partially offset by the sale of the remaining CDO portfolio during the second quarter.

During the first quarter of 2015, we reclassified all of the remaining held-to-maturity (“HTM”) CDO securities, or approximately $79 million at amortized cost, to available-for-sale (“AFS”) securities. See Note 5 of the Notes to Consolidated Financial Statements for further discussion regarding this reclassification.

As of June 30, 2015, under the GAAP fair value accounting hierarchy, 2.2% of the $4.7 billion fair value of the AFS securities portfolio was valued at Level 1, 97.8% was valued at Level 2, and there were no Level 3 AFS securities as a result of the sale of the remaining CDO securities. At December 31, 2014, 2.7% of the $3.8 billion fair value of

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AFS securities portfolio was valued at Level 1, 86.8% was valued at Level 2, and 10.5% was valued at Level 3. See Note 10 of the Notes to Consolidated Financial Statements for further discussion of fair value accounting.

Exposure to State and Local Governments

We provide multiple products and services to state and local governments (referred together as “municipalities”), including deposit services, loans, and investment banking services, and we invest in securities issued by the municipalities.

The following schedule summarizes our exposure to state and local municipalities:

MUNICIPALITIES

(In millions)	June 30, 2015			December 31, 2014
Loans and leases		$	589		$	521
Held-to-maturity – municipal securities		571			608
Available-for-sale – municipal securities		202			189
Available-for-sale – auction rate securities		—			5
Trading account – municipal securities		55			53
Unfunded lending commitments		69			58
Total direct exposure to municipalities		$	1,486		$	1,434

At June 30, 2015, $1.0 million of loans to one municipality were on nonaccrual. A significant amount of the municipal loan and lease portfolio is secured by real estate and equipment, and approximately 86% of the outstanding credits were originated by CB&T, Zions Bank, Vectra, and NBAZ. See Note 6 of the Notes to Consolidated Financial Statements for additional information about the credit quality of these municipal loans.

All municipal securities are reviewed quarterly for OTTI; see Note 5 of the Notes to Consolidated Financial Statements for more information. HTM securities consist of unrated bonds issued by small local government entities and are purchased through private placements, often in situations in which one of our subsidiaries has acted as a financial advisor to the municipality. Prior to purchase, the issuers of municipal securities are evaluated by the Company for their creditworthiness, and some of the securities are guaranteed by third parties. As of June 30, 2015, the AFS municipal securities were issued by issuers with investment-grade ratings from one or more major credit rating agencies. We also underwrite municipal bonds and sell most of them to third party investors.

Foreign Exposure and Operations

We have de minimis credit exposure to foreign sovereign risks and we do not believe our total foreign credit exposure is material. We also do not have significant foreign exposure to derivative counterparties. Foreign loans to non-sovereign entities consist primarily of commercial and industrial loans and totaled $160million at June 30, 2015 and $144 million at December 31, 2014.

Our foreign operations are comprised of Amegy Bank operating a branch in Grand Cayman, Grand Cayman Islands, B.W.I. Amegy Bank’s foreign branch only accepts deposits from qualified domestic customers. While deposits in this branch are not subject to FRB reserve requirements, there are no federal or state income tax benefits to the Company as a result of these operations. Foreign deposits were $372 million at June 30, 2015 and $328 million at December 31, 2014.

Loan Portfolio

For the first six months of 2015 and 2014, average loans and leases accounted for 70.3% and 71.2%, respectively, of total average assets. As presented in the following schedule, commercial and industrial loans were the largest category and constituted 32.8% of our loan portfolio at June 30, 2015.

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LOAN PORTFOLIO

	June 30, 2015				December 31, 2014
(Amounts in millions)	Amount		% of total loans		Amount		% of total loans
Commercial:
Commercial and industrial	$	13,111	32.8	%	$	13,163	32.9	%
Leasing	402		1.0		409		1.0
Owner occupied	7,277		18.2		7,351		18.3
Municipal	589		1.4		521		1.3
Total commercial	21,379		53.4		21,444		53.5
Commercial real estate:
Construction and land development	2,062		5.2		1,986		5.0
Term	8,058		20.1		8,127		20.3
Total commercial real estate	10,120		25.3		10,113		25.3
Consumer:
Home equity credit line	2,348		5.9		2,321		5.8
1-4 family residential	5,194		13.0		5,201		13.0
Construction and other consumer real estate	372		0.9		371		0.9
Bankcard and other revolving plans	409		1.0		401		1.0
Other	202		0.5		213		0.5
Total consumer	8,525		21.3		8,507		21.2
Total net loans	$	40,024	100.0	%	$	40,064	100.0	%

Net loans and leases slightly decreased to $40.0 billion at June 30, 2015 from $40.1 billion at December 31, 2014. The decrease was primarily attributable to commercial and industrial loans, including a decline in energy-related loans during the second quarter of 2015 primarily at Amegy Bank. This decrease was consistent with expectations of reduced loan volume within the energy industry. Refer to the “Energy-Related Exposure” section on page 69 for more information. Excluding energy-related loans, net loans and leases increased during the second quarter of 2015.

Most of the loan portfolio growth during the first six months of 2015 occurred inmunicipal,commercial construction and land development, and home equity credit line loans. The impact of these increases was partially offset by decreases in commercial and industrial, commercial owner occupied, and commercial real estate term loans. The loan portfolio increased primarily at NBAZ and Vectra, while balances declined at Amegy Bank, CB&T, NSB, and Zions Bank.

Commercial owner occupied loans declined due primarily to the runoff and attrition of the National Real Estate portfolio at Zions Bank, which is expected to continue throughout 2015. The National Real Estate business is a wholesale business that depends on loan referrals from other community banking institutions. Due to generally soft loan demand nationally, many community banking institutions are retaining, rather than selling, their loan production.

We expect slight-to-moderate overall loan and lease growth during the rest of 2015. We also expect to continue to limit construction and land development loan commitment growth for the foreseeable future as part of management’s actions to improve the risk profile of the Company’s loans and to reduce portfolio concentration risk.

Since 2009, CB&T and NSB have had loss sharing agreements with the FDIC that provided indemnification for credit losses of acquired loans and foreclosed assets up to specified thresholds. The last of the agreements for commercial loans, which comprised the major portion of the acquired portfolio, expired as of September 30, 2014. The agreements for 1-4 family residential loans will expire in 2019. In previous periods, the FDIC-supported loan balances were presented separately in schedules within MD&A and in other disclosures, and included PCI loans, as discussed in Note 6 of the Notes to Consolidated Financial Statements. Due to declining balances, for all periods presented herein, the FDIC-supported/PCI loans have been reclassified to their respective loan segments and classes.

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Other Noninterest-Bearing Investments

The following schedule sets forth the Company’s other noninterest-bearing investments:

OTHER NONINTEREST-BEARING INVESTMENTS

(In millions)	June 30, 2015			December 31, 2014
Bank-owned life insurance		$	480		$	476
Federal Home Loan Bank stock		93			104
Federal Reserve stock		121			121
Farmer Mac stock		30			26
SBIC investments		102			86
Non-SBIC investment funds		29			44
Others		8			9
		$	863		$	866

Premises and Equipment

Premises and equipment increased $27 million, or 3.2%, during the first six months of 2015 due to capitalized costs associated with the development of a new corporate facility for our subsidiary, Amegy Bank in Texas, and additionally from the capitalization of eligible costs related to the development of new lending, deposit and reporting systems.

Deposits

Deposits, both interest-bearing and noninterest-bearing, are a primary source of funding for the Company. Average total deposits for the first six months of 2015 increased by 4.8%, compared to the first six months of 2014, with average interest-bearing deposits increasing by 1.2% and average noninterest-bearing deposits increasing by 9.9%. The increase in noninterest-bearing deposits was largely driven by increased deposits from business customers. The average interest rate paid for interest-bearing deposits was 1 bp lower during the second quarter of 2015, compared to the second quarter of 2014.

Deposits at June 30, 2015, excluding time deposits larger than $100,000 and brokered deposits, increased by 2.6%, or $1.2 billion, from December 31, 2014. The increase was mainly due to an increase in noninterest-bearing demand deposits, interest-bearing domestic savings and money market, and a slight increase in foreign deposits, offset by a decrease in time deposits.

Demand and savings and money market deposits were 94.6% and 94.3% of total deposits at June 30, 2015 and December 31, 2014, respectively.

During the first and second quarters of 2015, and throughout 2014, we maintained a low level of brokered deposits with the primary purpose of keeping that funding source available in case of a future need. At June 30, 2015 and December 31, 2014, total deposits included $102 million and $108 million, respectively, of brokered deposits.

See “Liquidity Risk Management” on page 83 for additional information on funding and borrowed funds.

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RISK ELEMENTS

Since risk is inherent in substantially all of the Company’s operations, management of risk is an integral part of its operations and is also a key determinant of its overall performance. The Board of Directors has appointed a Risk Oversight Committee (“ROC”) that consists of appointed Board members who oversee the Company’s risk management processes. The ROC monitors and performs oversight for various risk activities. Management applies various strategies to reduce the risks to which the Company’s operations are exposed, including credit, interest rate and market, liquidity, and operational risks.

Credit Risk Management

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. Credit risk arises primarily from the Company’s lending activities, as well as from off-balance sheet credit instruments.

The Board of Directors, through the ROC, is responsible for approving the overall policies relating to the management of the credit risk of the Company. In addition, the ROC oversees and monitors adherence to key policies and the credit risk appetite which is defined in the Risk Appetite Framework. Centralized oversight of credit risk is provided through credit policies, credit administration, and credit examination functions at the Parent. We separate the lending function from the credit administration function, which strengthens control over, and the independent evaluation of, credit activities. Formal loan policies and procedures provide the Company with a framework for consistent underwriting and a basis for sound credit decisions at the local subsidiary bank level. In addition, we have a well-defined set of standards for evaluating our loan portfolio and we utilize a comprehensive loan grading system to determine the risk potential in the portfolio. Furthermore, an independent internal credit examination department periodically conducts examinations of the Company’s lending departments. These examinations are designed to review credit quality, adequacy of documentation, appropriate loan grading administration, and compliance with lending policies. Reports are submitted to management and to the ROC on a regular basis. New, expanded, or modified products and services, as well as new lines of business, are approved by the corporate New Product Review Committee.

Both the credit policy and the credit examination functions are managed centrally. Each subsidiary bank can be more conservative in its operations under the corporate credit policy; however, formal corporate approval must be obtained if a bank wishes to invoke a more liberal policy. Historically, there have been only a limited number of such approvals. This entire process has been designed to place an emphasis on strong underwriting standards and early detection of potential problem credits in order to develop and implement action plans on a timely basis to mitigate any potential losses.

Our credit risk management strategy includes diversification of our loan portfolio. We attempt to avoid the risk of an undue concentration of credits in a particular collateral type or with an individual customer or counterparty. Generally, our loan portfolio is well diversified; however, due to the nature of our geographical footprint, there are certain significant concentrations primarily in CRE and energy-related lending. We have adopted and adhere to concentration limits on various types of CRE lending, particularly construction and land development lending, leveraged lending, municipal lending, and energy-related lending. All of these limits are continually monitored and revised as necessary. During 2014, we determined to further reduce construction and land development loan commitments. This was done largely as a result of the modeled losses by the Company and management’s beliefs about the likely severity of losses modeled by the FRB in its stress testing, under the severely adverse economic scenarios, as required under the Dodd-Frank Act. Our business activity is primarily with customers located within the geographical footprint of our subsidiary banks.

The credit quality of our loan portfolio remained generally strong during the first six months of 2015, although we have recently experienced deterioration in various credit quality metrics primarily related to energy-related loans at Amegy Bank. Nonperforming assets as a percentage of loans and leases and OREO increased slightly to 0.96% at June 30, 2015, compared to 0.81% at December 31, 2014. Gross charge-offs for the second quarter of 2015 declined

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to $31.0 million from $35.5 million in the fourth quarter of 2014. Net charge-offs decreased to $11.2 million from $17.2 million for the same periods.

Government Agency Guaranteed Loans

We participate in various guaranteed lending programs sponsored by U.S. government agencies, such as the Small Business Administration, Federal Deposit Insurance Corporation, Federal Housing Authority, Veterans’ Administration, Export-Import Bank of the U.S., and the U.S. Department of Agriculture. As of June 30, 2015, the guaranteed portion of these loans was approximately $416 million. Most of these loans were guaranteed by the Small Business Administration.

The following schedule presents the composition of government agency guaranteed loans.

GOVERNMENT GUARANTEES

(Amounts in millions)	June 30, 2015			Percent guaranteed			December 31, 2014			Percent guaranteed
Commercial		$	513		76	%		$	539		76	%
Commercial real estate		17			77			19			77
Consumer		16			87			17			86
Total loans		$	546		76			$	575		76

Commercial Lending

The following schedule provides selected information regarding lending concentrations to certain industries in our commercial lending portfolio.

COMMERCIAL LENDING BY INDUSTRY GROUP

	June 30, 2015				December 31, 2014
(Amounts in millions)	Amount		Percent		Amount		Percent
Real estate, rental and leasing	$	2,472	11.6	%	$	2,418	11.4	%
Manufacturing	2,343		11.0		2,305		10.7
Mining, quarrying and oil and gas extraction 1	2,081		9.7		2,277		10.6
Retail trade	1,985		9.3		1,924		9.0
Wholesale trade	1,699		7.9		1,638		7.6
Healthcare and social assistance	1,322		6.2		1,347		6.3
Transportation and warehousing	1,201		5.6		1,294		6.0
Finance and insurance	1,186		5.5		1,168		5.5
Construction	1,073		5.0		1,027		4.8
Accommodation and food services	978		4.6		911		4.2
Professional, scientific and technical services	934		4.4		884		4.1
Other 2	4,105		19.2		4,251		19.8
Total	$	21,379	100.0	%	$	21,444	100.0	%

¹  Certain energy-related market segments (e.g. energy services) are also represented in other industry groups within this schedule.

²No other industry group exceeds 4%.

Energy-Related Exposure

Various industries represented in the previous schedule, including mining, quarrying and oil and gas extraction; manufacturing; and transportation and warehousing, contain certain loans we categorize as energy-related. At June 30, 2015, we had approximately $5.5 billion of total energy-related credit exposure and $2.9 billion of primarily oil and gas energy-related loan balances.

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The distribution of energy-related loans by customer market segment is shown in the following schedule:

ENERGY-RELATED EXPOSURE ¹ 

(Amounts in millions)	June 30, 2015			% of total loans		March 31, 2015			% of total loans		December 31, 2014			% of total loans
Loans and leases
Oil and gas-related	$	2,883		7.2	%	$	3,157		7.9	%	$	3,073		7.7	%
Alternative energy	222					232					225
Total loans and leases	3,105					3,389					3,298
Unfunded lending commitments	2,403					2,451					2,731
Total credit exposure	$	5,508				$	5,840				$	6,029
Private equity investments	$	18				$	20				$	21
Distribution of oil and gas-related balances
Upstream – exploration and production	33		%			34		%			34		%
Midstream – marketing and transportation	20					21					19
Downstream – refining	5					4					4
Other non-services	3					2					2
Oilfield services	30					30					31
Energy service manufacturing	9					9					10
Total loans and leases	100		%			100		%			100		%

¹  Because many borrowers operate in multiple businesses, judgment has been applied in characterizing a borrower as energy-related, including a particular segment of energy-related activity, e.g., upstream or downstream.

As of June 30, 2015, our overall balance of oil and gas-related loans decreased 8.9% to $2.9 billion from March 31, 2015, compared to an increase of 2.7% to $3.2 billion as of March 31, 2015 from December 31, 2014. In the second quarter of 2015, exploration and production loan balances decreased approximately 11.6%, compared to an increase of 2.6% during the first quarter of 2015. Energy service loan balances declined 7.6% in the second quarter of 2015 compared to a decrease of 3.9% in the first quarter of 2015. Unfunded energy-related lending commitments declined by $48 million, or 1.8%, during the second quarter of 2015 and declined $280 million, or 10.3% during the first quarter of 2015.

Our assessment of credit quality of the energy loan portfolio was consistent with the first quarter. The results of the shared national credit exam are reflected in our financial statements. At June 30, 2015, approximately $66 million, or 2.1%, of the energy-related loan balances were nonaccruing, which is largely unchanged from March 31, 2015, when $65 million, or 1.9%, were nonaccruing. Approximately 87% of energy-related nonaccruing loans were current as to principal and interest payments at June 30, 2015, slightly down from approximately 93% of the March 31, 2015 energy-related nonaccruing loans. Classified energy-related credits increased to $325 million at June 30, 2015, from $295 million at March 31, 2015. The pattern of a significant increase in graded or classified energy loans as well as the increase in nonaccrual energy loans is generally consistent with prior cycles.

Our historical energy lending performance has been strong despite significant volatility in both oil and natural gas prices. Losses following the 2008-2009 period of oil and gas price declines and volatility were modest. Energy-related classified loans increased significantly during this last economic downturn, nonperforming loans increased much more modestly, and annual losses were relatively minor (approximately 1% in the peak year of 2010). Our cumulative energy-related net charge-offs over the last five years have been lower than the cumulative net loss rate of general commercial and industrial lending during that same period.

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Upstream

Upstream exploration and production loans comprised approximately 33% of the energy-related exposure at June 30, 2015, compared to 34% at December 31, 2014. Many upstream borrowers have relatively balanced production between oil and gas.

We use disciplined underwriting practices to mitigate the risk associated with upstream lending activities. Upstream loans are made to reserve-based borrowers where more than 90% of those loans are collateralized by the value of the borrower’s oil and gas reserves. Our oil and gas price deck, the pricing applied to a borrower’s reserves for underwriting purposes, has generally been below the NYMEX strip, i.e., the average of the daily settlement prices of the next 12 months’ futures contracts. Through the use of independent Company and third party engineers and conservative underwriting, we apply multiple discounts. These discounts often range from 10-40% of the value of the collateral in determining the borrowing base (commitment), and help protect credit quality against significant commodity price declines. Further, reserve-based commitments are subject to a borrowing base redetermination based on then-current energy prices, typically every six months. Generally, we have, at our option, the right to conduct additional redeterminations during the year. Borrowing bases for clients are usually set at 60-70% of available collateral after an adjustment for the discounts described above.

At June 30, 2015, as a result of the spring 2015 redetermination of exploration and production energy loan borrowing bases, the borrowing base for total exploration and production commitments, including new commitments, declined approximately 9% since the fall 2014 redetermination. A limited number of borrowers experienced an increase in borrowing base due to factors such as the development of additional reserves.

Upstream borrowers generally do not draw the maximum available funding on their lines, which provides the borrower additional liquidity and flexibility. The line utilization rate for upstream borrowers was approximately 61% at June 30, 2015, compared to 64% at March 31, 2015. This unused commitment gives us the ability in some cases to reduce the borrowing base commitment through the redetermination process without creating a borrowing base deficiency (where outstanding debt exceeds the new borrowing base). Nevertheless, our loan agreements generally require the borrowers to maintain a certain amount of equity. Therefore, if the loan to collateral value exceeds an acceptable limit, we work with the borrowers to reinstate an acceptable collateral-value threshold.

An additional metric we consider in our underwriting is a borrower’s oil and gas price hedging practices. A considerable portion of our reserve-based borrowers are hedged. Of the upstream borrower’s risk-based estimated oil production projected in 2015, approximately 58% is hedged based on weighted average commitments and the latest data provided by the borrowers.

Midstream

Midstream marketing and transportation loans comprised approximately 20% of our energy-related exposure as of June 30, 2015, compared to 19% as of December 31, 2014. Loans in this segment are made to companies that gather, transport, treat and blend oil and natural gas, or that provide services to similar companies. The assets owned by these borrowers, which make this activity possible, are field-level gathering systems (small diameter pipe), pipelines (medium/large diameter pipe), tanks, trucks, rail cars, various water-based vessels and natural gas treatment plants. Our midstream loans are secured by these assets, unless the borrower is rated investment-grade. A significant portion of our midstream borrowers’ revenues are derived from fee-based contracts, giving them limited exposure to commodity price risk. Since lower oil and gas prices slow the drilling and development of new oil and natural gas, but do not normally result in significant numbers of producing wells being shut in, volumes of oil and gas flowing through midstream systems usually remain relatively stable throughout oil and natural gas price cycles. During the 2008-2009 period of oil and gas price volatility, classified loans in the midstream segment peaked at a lower level than the upstream and energy services segments.

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Energy Services

Energy service loans, which include oilfield services and energy service manufacturing comprised approximately 39% of our energy-related exposure as of June 30, 2015, compared to 41% as of December 31, 2014. Energy service loans include borrowers that have a concentration of revenues in the energy industry. However, many of these borrowers provide a broad range of products and services to the energy industry and are not subject to the same volatility as new drilling activities. Many of these borrowers are diversified geographically and service both oil and gas-related drilling and production.

For energy service loans, underwriting criteria require lower leverage to compensate for the cyclical nature of the industry. During the underwriting process, we use sensitivity analysis to consider revenue and cash flow impacts resulting from oil and gas price cycles. Generally, we underwrite energy service loans to withstand a 20-50% decline in cash flows, with higher discounts for those borrowers subject to greater cyclicality.

Risk Management of the Energy-Related Portfolio

We apply concentration limits and disciplined underwriting to the entire energy-related portfolio to limit our risk exposure. Concentration limits on energy-related lending, coupled with adherence to our underwriting standards, served to constrain loan growth during the past several quarters. As an indicator of the diversity of our energy-related portfolio’s size, the average amount of our commitments is approximately $7 million, with approximately 64% of the commitments less than $30 million. The portfolio contains only senior loans – no junior or second lien positions; additionally, we cautiously approach making first-lien loans to borrowers that employ excessive leverage through the use of junior lien loans or unsecured layers of debt. Approximately 90% of the total energy-related portfolio is secured by reserves, equipment, real estate, and other collateral, or a combination of collateral types. Lending arrangements that are not secured are generally to investment-grade borrowers.

We participate as a lender in loans and commitments designated as Shared National Credits (“SNCs”), which are generally larger and more diversified borrowers that have better access to capital markets. SNCs are loans or loan commitments of at least $20 million that are shared by three or more federally supervised institutions. The percentage of SNCs is approximately 81% of the upstream portfolio, 79% of the midstream portfolio, and 50% of the energy services portfolio. Our bankers have direct access and contact with the management of these SNC borrowers, and as such, are active participants. In many cases, we provide ancillary banking services to these borrowers, further evidencing this direct relationship.

As a secondary source of support, many of our energy-related borrowers have access to capital markets and private equity sources. Private sponsors tend to be large funds, often with assets under management of more than $1 billion, managed by individuals with a great deal of energy expertise and experience and who have successfully managed energy investments through previous energy price cycles. The investors in the funds are primarily institutional investors, such as large pensions, foundations, trusts, and high net worth family offices.

During the second quarter of 2015, a number of our energy-related lending customers took significant steps to mitigate risk, including paydowns resulting from refinancing that was driven in part by stronger capital markets activities within the energy sector (including issuance of additional public and private equity and debt).

We expect some further downgrades in the energy portfolio as we begin to see second and third quarter results from the oilfield services companies, although we have generally reserved for these downgrades. The deterioration of energy credits is transpiring consistently with, and somewhat better than, our outlook and expectations from the fourth quarter of 2014; although, future energy price volatility may result in further credit deterioration. When establishing the level of the allowance for credit losses, we consider multiple factors, including reduced drilling activity and additional capital raises. Since September 30, 2014, when energy prices began to decline significantly, Amegy Bank has increased its allowance for credit losses by $54 million. During the second quarter of 2015, we did not increase our energy-related reserve, although we did transfer some of the qualitative portion of the reserve to the quantitative portion of the reserve as a result of the modest increase in classified loans.

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Commercial Real Estate Loans

Selected information indicative of credit quality regarding our CRE loan portfolio is presented in the following schedule.

COMMERCIAL REAL ESTATE PORTFOLIO BY LOAN TYPE AND COLLATERAL LOCATION

(Amounts in millions)		Collateral Location
Loan type	As of date	Arizona			California			Colorado			Nevada			Texas			Utah/ Idaho			Wash-ington			Other 1			Total			% of  total CRE
Commercial term
Balance outstanding	6/30/2015	$	1,165		$	2,745		$	406		$	540		$	1,253		$	1,109		$	254		$	586		$	8,058		79.6	%
% of loan type		14.4		%	34.1		%	5.0		%	6.7		%	15.5		%	13.8		%	3.2		%	7.3		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2015	0.2		%	—		%	0.4		%	0.2		%	0.4		%	—		%	0.2		%	0.1		%	0.1		%
	12/31/2014	—		%	0.1		%	—		%	0.4		%	—		%	0.6		%	0.3		%	0.2		%	0.2		%
≥ 90 days	6/30/2015	0.2		%	0.4		%	1.8		%	0.3		%	0.1		%	0.2		%	0.6		%	0.7		%	0.4		%
	12/31/2014	0.1		%	0.6		%	—		%	0.6		%	0.1		%	0.3		%	0.3		%	1.0		%	0.4		%
Accruing loans past due 90 days or more	6/30/2015	$	—		$	12		$	—		$	1		$	—		$	3		$	2		$	—		$	18
	12/31/2014	—			12			—			4			—			3			1			—			20
Nonaccrual loans	6/30/2015	$	6		$	5		$	8		$	3		$	5		$	5		$	—		$	11		$	43
	12/31/2014	2			8			1			1			2			1			—			10			25
Residential construction and land development
Balance outstanding	6/30/2015	$	64		$	320		$	57		$	10		$	253		$	64		$	11		$	36		$	815		8.1	%
% of loan type		7.9		%	39.3		%	7.0		%	1.2		%	31.0		%	7.9		%	1.3		%	4.4		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2015	—		%	—		%	1.6		%	—		%	1.1		%	—		%	—		%	—		%	0.4		%
	12/31/2014	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
≥ 90 days	6/30/2015	0.3		%	—		%	—		%	—		%	1.4		%	—		%	—		%	—		%	0.5		%
	12/31/2014	—		%	—		%	—		%	—		%	2.6		%	—		%	—		%	—		%	0.8		%
Accruing loans past due 90 days or more	6/30/2015	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2014	—			—			—			—			—			—			—			—			—
Nonaccrual loans	6/30/2015	$	—		$	—		$	—		$	—		$	3		$	—		$	—		$	—		$	3
	12/31/2014	—			—			—			—			7			—			—			—			7
Commercial construction and land development
Balance outstanding	6/30/2015	$	71		$	240		$	103		$	48		$	444		$	268		$	17		$	56		$	1,247		12.3	%
% of loan type		5.7		%	19.2		%	8.3		%	3.8		%	35.6		%	21.5		%	1.4		%	4.5		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2015	—		%	—		%	—		%	—		%	0.2		%	0.2		%	—		%	0.5		%	0.1		%
	12/31/2014	—		%	0.5		%	0.1		%	—		%	0.2		%	0.1		%	—		%	—		%	0.2		%
≥ 90 days	6/30/2015	—		%	1		%	—		%	—		%	0.8		%	—		%	—		%	—		%	0.5		%
	12/31/2014	—		%	0.9		%	—		%	—		%	0.9		%	—		%	—		%	—		%	0.5		%
Accruing loans past due 90 days or more	6/30/2015	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2014	—			—			—			—			—			—			—			—			—
Nonaccrual loans	6/30/2015	$	—		$	2		$	—		$	—		$	4		$	11		$	—		$	—		$	17
	12/31/2014	—			2			—			—			4			11			—			—			17
Total construction and land development	6/30/2015	$	135		$	560		$	160		$	58		$	697		$	332		$	28		$	92		$	2,062
Total commercial real estate	6/30/2015	$	1,300		$	3,305		$	566		$	598		$	1,950		$	1,441		$	282		$	678		$	10,120		100.0	%

¹  No other geography exceeds $74 million for all three loan types.

²  Delinquency rates include nonaccrual loans.

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Approximately 22% of the CRE term loans consist of mini-perm loans as of June 30, 2015. For such loans, construction has been completed and the project has stabilized to a level that supports the granting of a mini-perm loan in accordance with our underwriting standards. Mini-perm loans generally have initial maturities of three to seven years. The remaining 78% of CRE loans are term loans with initial maturities generally of 5 to 20 years. The stabilization criteria for a project to qualify for a term loan differ by product type and include criteria related to the cash flow generated by the project, loan-to-value ratio, and occupancy rates.

Approximately $194 million, or 15.5%, of the commercial construction and land development portfolio at June 30, 2015 consists of acquisition and development loans. Most of these acquisition and development loans are secured by specific retail, apartment, office, or other projects. Underwriting on commercial properties is primarily based on the economic viability of the project with heavy consideration given to the creditworthiness and experience of the sponsor. We generally require that the owner’s equity be injected prior to bank advances. Remargining requirements (required equity infusions upon a decline in value of the collateral) are often included in the loan agreement along with guarantees of the sponsor. Recognizing that debt is paid via cash flow, the projected cash flows of the project are critical in the underwriting because these determine the ultimate value of the property and its ability to service debt. Therefore, in most projects (with the exception of multifamily projects) we look for substantial pre-leasing in our underwriting and we generally require a minimum projected stabilized debt service coverage ratio of 1.20 or higher, depending on the project asset class.

Within the residential construction and development sector, many of the requirements previously mentioned, such as creditworthiness and experience of the developer, up-front injection of the developer’s equity, principal curtailment requirements, and the viability of the project are also important in underwriting a residential development loan. Significant consideration is given to the likely market acceptance of the product, location, strength of the developer, and the ability of the developer to stay within budget. Progress inspections by qualified independent inspectors are routinely performed before disbursements are made.

Real estate appraisals are ordered and validated independent of the loan officer and the borrower, generally by each bank’s internal appraisal review function, which is staffed by licensed appraisers. In some cases, reports from automated valuation services are used. Appraisals are ordered from outside appraisers at the inception, renewal or, for CRE loans, upon the occurrence of any event causing a downgrade to an adverse grade (i.e., “criticized” or “classified”). We increase the frequency of obtaining updated appraisals for adversely graded credits when declining market conditions exist.

Advance rates (i.e., loan commitments) will vary based on the viability of the project and the creditworthiness of the sponsor, but our guidelines generally limit advances to 50% for raw land, 65% for land development, 65% for finished commercial lots, 75% for finished residential lots, 80% for pre-sold homes, 75% for models and homes not under contract, and 75% for commercial properties. Exceptions may be granted on a case-by-case basis.

Loan agreements require regular financial information on the project and the sponsor in addition to lease schedules, rent rolls and, on construction projects, independent progress inspection reports. The receipt of this financial information is monitored and calculations are made to determine adherence to the covenants set forth in the loan agreement. Additionally, loan-by-loan reviews of pass grade loans for all commercial and residential construction and land development loans are performed semiannually at all subsidiary banks except TCBW, which performs such reviews annually.

CRE loans are sometimes modified to increase the likelihood of collecting the maximum possible amount of our investment in the loan. In general, the existence of a guarantee that improves the likelihood of repayment is taken into consideration when analyzing a loan for impairment. If the support of the guarantor is quantifiable and documented, it is included in the potential cash flows and liquidity available for debt repayment and our impairment methodology takes into consideration this repayment source.

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Additionally, when we modify or extend a loan, we give consideration to whether the borrower is in financial difficulty, and whether we have granted a concession. In determining if an interest rate concession has been granted, we consider whether the interest rate on the modified loan is equivalent to current market rates for new debt with similar risk characteristics. If the rate in the modification is less than current market rates, it may indicate that a concession was granted and impairment exists. However, if additional collateral is obtained or if a strong guarantor exists who is believed to be able and willing to support the loan on an extended basis, we also consider the nature and amount of the additional collateral and guarantees in the ultimate determination of whether a concession has been granted.

In general, we obtain and consider updated financial information for the guarantor as part of our determination to extend a loan. The quality and frequency of financial reporting collected and analyzed varies depending on the contractual requirements for reporting, the size of the transaction, and the strength of the guarantor.

Complete underwriting of the guarantor includes, but is not limited to, an analysis of the guarantor’s current financial statements, leverage, liquidity, global cash flow, global debt service coverage, contingent liabilities, etc. The assessment also includes a qualitative analysis of the guarantor’s willingness to perform in the event of a problem and demonstrated history of performing in similar situations. Additional analysis may include personal financial statements, tax returns, liquidity (brokerage) confirmations, and other reports, as appropriate.

A qualitative assessment is performed on a case-by-case basis to evaluate the guarantor’s experience, performance track record, reputation, performance of other related projects with which we are familiar, and willingness to work with us. We also utilize market information sources, rating, and scoring services in our assessment. This qualitative analysis coupled with a documented quantitative ability to support the loan may result in a higher-quality internal loan grade, which may reduce the level of allowance we estimate. Previous documentation of the guarantor’s financial ability to support the loan is discounted if there is any indication of a lack of willingness by the guarantor to support the loan.

In the event of default, we evaluate the pursuit of any and all appropriate potential sources of repayment, which may come from multiple sources, including the guarantee. A number of factors are considered when deciding whether or not to pursue a guarantor, including, but not limited to, the value and liquidity of other sources of repayment (collateral), the financial strength and liquidity of the guarantor, possible statutory limitations (e.g., single action rule on real estate) and the overall cost of pursuing a guarantee compared to the ultimate amount we may be able to recover. In other instances, the guarantor may voluntarily support a loan without any formal pursuit of remedies.

Consumer Loans

We have mainly been an originator of first and second mortgages, generally considered to be of prime quality. Historically, our practice has been to sell “conforming” fixed-rate loans to third parties, including Fannie Mae and Freddie Mac, for which we make representations and warranties that the loans meet certain underwriting and collateral documentation standards. It has also been our practice historically to hold variable rate loans in our portfolio. We actively monitor loan “put-backs” (required repurchases of loans previously sold to Fannie Mae or Freddie Mac due to inadequate documentation or other reasons). Loan put-backs have been minimal over a multiple-year period. We estimate that we do not have any material risk as a result of either our foreclosure practices or loan put-backs and we have not established any reserves related to these items.

We are engaged in home equity credit line (“HECL”) lending. At June 30, 2015, our HECL portfolio totaled $2.3 billion. Approximately $1.2 billion of the portfolio is secured by first deeds of trust, while the remaining $1.1 billion is secured by junior liens.

As of June 30, 2015, loans representing approximately 3% of the outstanding balance in the HECL portfolio were estimated to have combined loan-to-value ratios (“CLTV”) above 100%. An estimated CLTV ratio is the ratio of our

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loan plus any prior lien amounts divided by the estimated current collateral value. At origination, underwriting standards for the HECL portfolio generally include a maximum 80% CLTV with high credit scores at origination.

More than 95% of our HECL portfolio is still in the draw period, and approximately 33% is scheduled to begin amortizing within the next five years. We regularly analyze the risk of borrower default in the event of a loan becoming fully amortizing and the risk of higher interest rates. The analysis indicates that the risk of loss from this factor is minimal in the current economic environment. For the first six months of June 30, 2015 and 2014, the annualized credit losses for the HECL portfolio were -2 bps and 8 bps, respectively. See Note 6 of the Notes to Consolidated Financial Statements for additional information on the credit quality of this portfolio.

Nonperforming Assets

Nonperforming assets as a percentage of loans and leases and OREO increased slightly to 0.96% at June 30, 2015, compared to 0.81% at December 31, 2014.

Total nonaccrual loans at June 30, 2015 increased by $66 million from December 31, 2014. The increase is primarily due to increases in energy-related loans at Amegy Bank, the vast majority of which are current with payments, while other commercial and industrial loans, commercial owner occupied loans, and commercial real estate term loans also experienced modest increases. Aside from Amegy Bank, the largest total increases in nonaccrual loans occurred at Zions Bank, NBAZ, and Vectra.

The balance of nonaccrual loans can decrease due to paydowns, charge-offs, and the return of loans to accrual status under certain conditions. If a nonaccrual loan is refinanced or restructured, the new note is immediately placed on nonaccrual. If a restructured loan performs under the new terms for at least a period of six months, the loan can be considered for return to accrual status. See “Restructured Loans” following for more information. Company policy does not allow for the conversion of nonaccrual construction and land development loans to commercial real estate term loans. See Note 6 of the Notes to Consolidated Financial Statements for more information.

The following schedule sets forth our nonperforming assets:

NONPERFORMING ASSETS

(Amounts in millions)	June 30, 2015			December 31, 2014
Nonaccrual loans 1	$	373		$	307
Other real estate owned	13			19
Total nonperforming assets	$	386		$	326
Ratio of nonperforming assets to net loans and leases1 and other real estate owned	0.96		%	0.81		%
Accruing loans past due 90 days or more	$	27		$	29
Ratio of accruing loans past due 90 days or more to loans and leases1	0.07		%	0.07		%
Nonaccrual loans and accruing loans past due 90 days or more	$	400		$	336
Ratio of nonaccrual loans and accruing loans past due 90 days or more to loans and leases1	1.00		%	0.84		%
Accruing loans past due 30 - 89 days	$	125		$	86
Nonaccrual loans current as to principal and interest payments	60.6		%	50.4		%

¹ Includes loans held for sale.

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Restructured Loans

TDRs are loans that have been modified to accommodate a borrower that is experiencing financial difficulties, and for which we have granted a concession that we would not otherwise consider. TDRs declined 13% during the first six months of 2015, mainly due to payments and payoffs. Commercial loans may be modified to provide the borrower more time to complete the project, to achieve a higher lease-up percentage, to sell the property, or for other reasons. Consumer loan TDRs represent loan modifications in which a concession has been granted to the borrower who is unable to refinance the loan with another lender, or who is experiencing economic hardship. Such consumer loan TDRs may include first-lien residential mortgage loans and home equity loans.

For certain TDRs, we split the loan into two new notes – an “A” note and a “B” note. The A note is structured to comply with our current lending standards at current market rates, and is tailored to suit the customer’s ability to make timely principal and interest payments. The B note includes the granting of the concession to the borrower and varies by situation. We may defer principal and interest payments on the B note until the A note has been paid in full. At the time of restructuring, the A note is identified and classified as a TDR. The B note is charged off, but the obligation is not forgiven to the borrower, and any payments collected on the B note are accounted for as recoveries. The outstanding carrying value of loans restructured using the A/B note strategy was approximately $82 million at June 30, 2015 and $112 million at December 31, 2014.

If the restructured loan performs for at least six months according to the modified terms, and an analysis of the customer’s financial condition indicates that we are reasonably assured of repayment of the modified principal and interest, the loan may be returned to accrual status. The borrower’s payment performance prior to and following the restructuring is taken into account to determine whether a loan should be returned to accrual status.

ACCRUING AND NONACCRUING TROUBLED DEBT RESTRUCTURED LOANS

	June 30, 2015			December 31, 2014
(In millions)
Restructured loans – accruing		$	180		$	245
Restructured loans – nonaccruing		118			98
Total		$	298		$	343

In the periods following the calendar year in which a loan was restructured, a loan may no longer be reported as a TDR if it is on accrual, is in compliance with its modified terms, and yields a market rate (as determined and documented at the time of the modification or restructure). Company policy requires that the removal of TDR status be approved at the same management level that approved the upgrading of a loan’s classification. See Note 6 of the Notes to Consolidated Financial Statements for additional information regarding TDRs.

TROUBLED DEBT RESTRUCTURED LOANS ROLLFORWARD

	Three Months Ended June 30,						Six Months Ended June 30,
(In millions)	2015			2014			2015			2014
Balance at beginning of period	$	309		$	449		$	343		$	481
New identified TDRs and principal increases	39			40			52			54
Payments and payoffs	(42		)	(39		)	(88		)	(72		)
Charge-offs	(4		)	(1		)	(5		)	(2		)
No longer reported as TDRs	(2		)	(14		)	(2		)	(25		)
Sales and other	(2		)	(12		)	(2		)	(13		)
Balance at end of period	$	298		$	423		$	298		$	423

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Allowance and Reserve for Credit Losses

In analyzing the adequacy of the allowance for loan losses, we utilize a comprehensive loan grading system to determine the risk potential in the portfolio and also consider the results of independent internal credit reviews. To determine the adequacy of the allowance, our loan and lease portfolio is broken into segments based on loan type.

The following schedule shows the changes in the allowance for loan losses and a summary of loan loss experience:

SUMMARY OF LOAN LOSS EXPERIENCE

(Amounts in millions)	Six Months Ended June 30, 2015			Twelve Months Ended December 31, 2014			Six Months Ended June 30, 2014
Loans and leases outstanding (net of unearned income)	$	40,024		$	40,064		$	39,630
Average loans and leases outstanding (net of unearned income)	$	40,155		$	39,523		$	39,335
Allowance for loan losses:
Balance at beginning of period	$	605		$	746		$	746
Provision charged against earnings	(1		)	(98		)	(55		)
Adjustment for FDIC-supported/PCI loans	—			(1		)	(1		)
Charge-offs:
Commercial	(40		)	(77		)	(26		)
Commercial real estate	(4		)	(15		)	(11		)
Consumer	(7		)	(14		)	(7		)
Total	(51		)	(106		)	(44		)
Recoveries:
Commercial	34			41			19
Commercial real estate	17			12			6
Consumer	5			11			5
Total	56			64			30
Net loan and lease charge-offs	5			(42		)	(14		)
Balance at end of period	$	609		$	605		$	676
Ratio of annualized net charge-offs to average loans and leases	(0.02		)%	0.11		%	0.07		%
Ratio of allowance for loan losses to net loans and leases, at period end	1.52		%	1.51		%	1.71		%
Ratio of allowance for loan losses to nonperforming loans, at period end	163.45		%	197.18		%	192.32		%
Ratio of allowance for loan losses to nonaccrual loans and accruing loans past due 90 days or more, at period end	152.33		%	180.03		%	169.73		%

The total ALLL increased slightly during the first six months of 2015 by $5 million due to the slight deterioration in various credit metrics primarily related to the energy-related loans at Amegy Bank; other credit metric trends not related to energy lending were generally stable or improving during that period. During the nine-month period beginning September 30, 2014, as energy prices have declined significantly, Amegy Bank has increased its ACL by $54 million. This increase was partially offset by a reduction in the allowance elsewhere, due to favorable changes in credit quality outside of the energy industry.

The reserve for unfunded lending commitments represents a reserve for potential losses associated with off-balance sheet commitments and standby letters of credit. The reserve is separately shown in the balance sheet and any related increases or decreases in the reserve are shown separately in the statement of income. The reserve decreased by $1.1 million compared to December 31, 2014, and decreased by $15.5 million from June 30, 2014.

See Note 6 of the Notes to Consolidated Financial Statements for additional information related to the allowance for credit losses and credit trends experienced in each portfolio segment.

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Interest Rate and Market Risk Management

Interest rate and market risk are managed centrally. The Board of Directors is responsible for approving the overall policies relating to the management of the financial risk of the Company, including interest rate and market risk management. In addition, the Board establishes and periodically revises policy limits and reviews limit exceptions reported by management. The Board has established the Asset/Liability Committee (“ALCO”), consisting of members of management, to which it has delegated the responsibility of managing interest rate and market risk for the Company.

Interest Rate Risk

Interest rate risk is one of the most significant risks to which we are regularly exposed. In general, our goal in managing interest rate risk is to have net interest income increase in a rising interest rate environment. We refer to this goal as being “asset-sensitive.” This approach is based on our belief that in a rising interest rate environment, the market cost of equity, or implied rate at which future earnings are discounted, would also tend to rise.

Due to the low level of rates and the natural lower bound of zero for market indices, there is limited sensitivity to falling rates at the current time, and we have tended to operate near interest rate risk “triggers” and appetites noted in the following schedule. However, if interest rates remain at their current historically low levels, given our asset sensitivity, we would expect the net interest margin to be under continuing modest pressure assuming a balance sheet that is static in size. In order to mitigate this pressure and to increase holdings in HQLA securities, in 2014, we began deploying cash into short-to-medium duration agency pass-through securities. In the second quarter of 2015, we purchased HQLA securities of $834 million at amortized cost and are continuing these purchases. Additionally, we have increased the use of interest rate swaps designated as cash flow hedges to synthetically convert floating rate assets to fixed rate. Over time these actions are expected to somewhat reduce our asset sensitivity compared to previous periods.

Interest Rate Risk Measurement

We monitor interest rate risk through the use of two complementary measurement methods: net interest income simulation and Economic Value of Equity at Risk (“EVE”). In the net interest income simulation method, we analyze the expected change in net interest income in response to changes in interest rates. In the EVE method, we measure the expected changes in the fair value of equity in response to changes in interest rates.

Net interest income simulation is an estimate of the total net interest income that would be recognized under different rate environments. Net interest income is measured under several parallel and nonparallel interest rate environments and deposit repricing assumptions, taking into account an estimate of the possible exercise of embedded options within the portfolio (e.g., a borrower’s ability to refinance a loan under a lower rate environment). Our policy contains a trigger for a 10% decline in rate sensitive income as well as a risk capacity of a 13% decline if rates were to immediately rise or fall in parallel by 200 bps. This trigger and risk capacity apply to both the fast and the slow deposit assumptions.

EVE is calculated as the fair value of all assets minus the fair value of liabilities. We measure changes in the dollar amount of EVE for parallel shifts in interest rates. Due to embedded optionality and asymmetric rate risk, changes in EVE can be useful in quantifying risks not apparent for small rate changes. Examples of such risks may include out-of-the-money interest rate caps (or limits) on loans, which have little effect under small rate movements but may become important if large rate changes were to occur, or substantial prepayment deceleration for low rate mortgages in a higher rate environment. Our policy is to limit declines in EVE to 4% per 100 bps movement in interest rates in either direction.

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The following schedule presents the formal EVE limits adopted by the Company. Exceptions to the EVE limits are subject to notification and approval by the Risk Oversight Committee of the Board of Directors.

ECONOMIC VALUE OF EQUITY DECLINE LIMITS

Parallel change in interest rates	Trigger decline in EVE		Risk capacity decline in EVE
+/- 100 bps	3	%	4	%
+/- 200 bps	6	%	8	%
+/- 300 bps	9	%	12	%

New Interest Rate Risk Model and Comparisons

In the first quarter of 2015, we adopted a new model to estimate the impact to net interest income and to EVE from changes in interest rates. We made the change because the new model is believed to better reflect customer behavior, particularly with regard to dynamic prepayment speeds (i.e., incrementally slower prepayment speeds on mortgages with incrementally higher interest rate changes) and deposit characteristics (i.e., faster deposit product migration to interest-bearing accounts for larger deposit balances). We ran both models in parallel for several months and members of ALCO scrutinized the results. Additionally, rigorous statistical validation of the new model was conducted prior to its adoption.

Regardless of the model used, estimating the impact on net interest income and EVE requires that we assess a number of variables and make various assumptions in managing our exposure to changes in interest rates. The assessments address deposit withdrawals and deposit product migration (e.g., customers moving money from checking accounts to certificates of deposit), competitive pricing (e.g., existing loans and deposits are assumed to roll into new loans and deposits at similar spreads relative to benchmark interest rates), loan and security prepayments, and the effects of other similar embedded options. As a result of uncertainty about the maturity and repricing characteristics of both deposits and loans, we estimate ranges of possible net interest income and EVE results under a variety of assumptions and scenarios. The modeled results are highly sensitive to the assumptions used for deposits that do not have specific maturities, such as checking, savings and money market accounts, and also to prepayment assumptions used for loans with prepayment options. We use historical regression analysis as a guide to setting such assumptions; however, due to the current low interest rate environment, which has little historical precedent, estimated deposit durations may not reflect actual future results. Additionally, competition for funding in the marketplace has and may again result in changes of deposit pricing on interest-bearing accounts that is greater or less than changes in benchmark interest rates such as LIBOR or the federal funds rate.

Under most rising interest rate environments, we would expect some customers to move balances in demand deposits to interest-bearing accounts such as money market, savings, or CDs. The models are particularly sensitive to the assumption about the rate of such migration. In order to capture the sensitivity of our models to this risk, we estimate a range of possible outcomes for interest sensitivity under “fast” and “slow” movements of client funds out of noninterest-bearing deposits and into interest-bearing sources of funds.

In addition, we assume certain correlation rates, often referred to as a “deposit beta,” of interest-bearing deposits, wherein the rates paid to customers change at a different pace when compared to changes in benchmark interest rates. Generally, certificates of deposit are assumed to have a high correlation rate, while interest-on-checking accounts are assumed to have a lower correlation rate. Actual results may differ materially due to factors including competitive pricing, money supply, credit worthiness of the Company, and so forth; however, we use our historical experience as well as industry data to inform our assumptions.

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The aforementioned migration and correlation assumptions result in deposit durations presented in the following schedule:

	As of June 30, 2015
	Fast				Slow
Product	Effective duration (unchanged)		Effective duration (+200 bps)		Effective duration (unchanged)		Effective duration (+200 bps)
Demand deposits	1.9	%	1.1	%	2.5	%	1.9	%
Money market	1.4	%	1.1	%	1.8	%	1.5	%
Savings and interest on checking	2.6	%	1.8	%	3.1	%	2.6	%

As of the dates indicated and incorporating the assumptions previously described, the following schedule shows our estimated percentage change in net interest income, based on a static balance sheet size, in the first year after the interest rate change if interest rates were to sustain immediate parallel changes ranging from -100 bps to +300 bps.

INCOME SIMULATION – CHANGE IN NET INTEREST INCOME

	As of June 30, 2015
	Parallel shift in rates (in basis points)1
Repricing scenario	-100		0		+100		+200		+300
Fast	(1.8	)%	—	%	7.3	%	13.0	%	16.9	%
Slow	(2.2	)%	—	%	10.3	%	19.9	%	28.3	%

¹  Assumes rates cannot go below zero in the negative rate shift.

For comparative purposes, we applied the new model to the December 31, 2014 balances; these results are presented in the following schedule.

	As of December 31, 2014
	Parallel shift in rates (in basis points)1
Repricing scenario	-100		0		+100		+200		+300
Fast	(2.6	)%	—	%	7.8	%	14.1	%	18.7	%
Slow	(3.0	)%	—	%	10.7	%	20.7	%	29.6	%

¹  Assumes rates cannot go below zero in the negative rate shift.

The decrease in interest rate sensitivity was driven by purchases of securities, addition of swap contracts in which we receive a fixed rate, and the previously mentioned changes in modeled demand deposit behavior.

As of the dates indicated and incorporating the assumptions previously described, the following schedule shows our estimated percentage change in EVE under parallel interest rate changes ranging from -100 bps to +300 bps.

CHANGES IN ECONOMIC VALUE OF EQUITY

	As of June 30, 2015
Repricing scenario	-100 bps		0 bps		+100 bps		+200 bps		+300 bps
Fast	(0.9	)%	—	%	1.6	%	1.5	%	(0.2	)%
Slow	(2.7	)%	—	%	4.4	%	7.6	%	9.4	%

For comparative purposes, we applied the new model to the December 31, 2014 balances; these results are presented in the following schedule.

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	As of December 31, 2014
Repricing scenario	-100 bps		0 bps		+100 bps		+200 bps		+300 bps
Fast	(0.8	)%	—	%	2.4	%	3.1	%	2.2	%
Slow	(2.4	)%	—	%	5.1	%	9.0	%	11.4	%

Market Risk – Fixed Income

We engage in the underwriting and trading of municipal securities. This trading activity exposes us to a risk of loss arising from adverse changes in the prices of these fixed income securities.

At June 30, 2015, we had a relatively small amount, $75 million, of trading assets and $11 million of securities sold, not yet purchased, compared with $71 million and $24 million, at December 31, 2014.

We are exposed to market risk through changes in fair value. We are also exposed to market risk for interest rate swaps used to hedge interest rate risk. Changes in the fair value of AFS securities and in interest rate swaps that qualify as cash flow hedges are included in AOCI for each financial reporting period. During the second quarter of 2015, the after-tax change in AOCI attributable to AFS and HTM securities was an increase of $78 million compared to a $6 million increase in the same prior year period. The primary reason for the $78 million increase related to the sale of the remaining portfolio of our CDO securities, or $574 million at amortized cost, resulting in realized net losses of approximately $137 million.

Market Risk – Equity Investments

Through our equity investment activities, we own equity securities that are publicly traded. In addition, we own equity securities in companies and governmental entities, e.g., Federal Reserve Bank and Federal Home Loan Banks, that are not publicly traded. The accounting for equity investments may use the cost, fair value, equity, or full consolidation methods of accounting, depending on our ownership position and degree of involvement in influencing the investees’ affairs. Regardless of the accounting method, the value of our investment is subject to fluctuation. Because the fair value of these securities may fall below our investment costs, we are exposed to the possibility of loss. Equity investments in private and public companies are approved, monitored and evaluated by the Company’s Equity Investment Committee consisting of members of management.

We hold investments in pre-public companies through various predominantly SBIC venture capital funds. Our equity exposure to these investments was approximately $102 million at June 30, 2015 and $86 million at December 31, 2014.

Additionally, Amegy has an alternative investments portfolio. These investments are primarily directed towards equity buyout and mezzanine funds with a key strategy of deriving ancillary commercial banking business from the portfolio companies. Early stage venture capital funds are generally not a part of the strategy because the underlying companies are typically not creditworthy. The carrying value of Amegy’s equity investments was $25 million at June 30, 2015 and $38 million at December 31, 2014.

These private equity investments are subject to the provisions of the Dodd-Frank Act. The Volcker Rule of the Dodd-Frank Act, as published on December 10, 2013, prohibits banks and bank holding companies from holding private equity investments beyond July 21, 2016, as currently extended, except for SBIC funds. The FRB has announced its intention to act in 2015 to grant an additional one-year extension to July 21, 2017. As of June 30, 2015, such prohibited private equity investments amounted to $25 million, with an additional $7 million of unfunded commitments (see Notes 5 and 11 for more information). We currently do not believe that this divestiture requirement will ultimately have a material effect on our financial statements.

Our earnings from these investments, and the potential volatility of these earnings, are expected to decline over the next several years and will ultimately cease.

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Liquidity Risk Management

Liquidity risk is the possibility that the Company’s cash flows may not be adequate to fund its ongoing operations and meet its commitments in a timely and cost-effective manner. Since liquidity risk is closely linked to both credit risk and market risk, many of the previously discussed risk control mechanisms also apply to the monitoring and management of liquidity risk. We manage the Company’s liquidity to provide adequate funds to meet its anticipated financial and contractual obligations, including withdrawals by depositors, debt and capital service requirements, and lease obligations, as well as to fund customers’ needs for credit. The management of liquidity and funding is performed centrally for the Parent and jointly by the Parent and bank management for its subsidiary banks.

Consolidated cash, interest-bearing deposits held as investments, and security resell agreements at the Parent and its subsidiaries increased to $9.7 billion at June 30, 2015 from $8.9 billion at March 31, 2015, and $9.2 billion at December 31, 2014. The $0.5 billion increase during the first six months of 2015 resulted primarily from (1) an increase in deposits, (2) net cash provided by operating activities, and (3) a decrease in federal funds sold. These increases were partially offset by (1) an increase in investment securities, (2) a net repayment of long- and short-term debt and (3) dividends on common and preferred stock.

During the first six months of 2015, the Company’s HTM and AFS investment securities increased by $732 million. This increase was primarily due to an increase in the purchases of short-to-medium duration agency pass-through securities, partially offset by the sale of the Company’s remaining portfolio of CDOs. We expect to continue to deploy cash and short-term investments into HQLA in the next several quarters.

Liquidity Regulation

In September 2014, U.S. banking regulators issued a final rule that implements a quantitative liquidity requirement in the U.S. generally consistent with the Liquidity Coverage Ratio (“LCR”) minimum liquidity measure established under the Basel III liquidity framework. Under this rule, the Company is subject to a modified LCR standard, which requires a financial institution to hold an adequate amount of unencumbered HQLA that can be converted into cash easily and immediately in private markets to meet its liquidity needs for a short-term liquidity stress scenario. Although this rule is not applicable to the Company and other banks of its size until January 2016, the Company has calculated that it is in compliance with the requirement to maintain a modified LCR of at least 100%.

The Company is required to and is conducting monthly liquidity stress tests as of January 2015. These tests incorporate scenarios designed by the Company subject to review by the FRB.

The Basel III liquidity framework includes a second minimum liquidity measure, the Net Stable Funding Ratio (“NSFR”), which requires a financial institution to maintain a stable funding profile in relation to the characteristics of its on- and off-balance sheet activities. On October 31, 2014, the Basel Committee on Banking Supervision issued its final standards for this ratio, entitled Basel III: The Net Stable Funding Ratio. Based on this Basel III publication, we believe the Company would meet the minimum NSFR if such requirement were currently effective. However, the FRB has not yet proposed regulations to implement these Basel Committee standards. The Company is monitoring these developments.

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Parent Company Liquidity

The Parent’s cash requirements consist primarily of debt service, investments in and advances to subsidiaries, operating expenses, income taxes, and dividends to preferred and common shareholders. The Parent’s cash needs are usually met through dividends from its subsidiaries, interest and investment income, subsidiaries’ proportionate share of current income taxes, and long-term debt and equity issuances.

Cash, interest-bearing deposits held as investments, and security resell agreements at the Parent were $1.1 billion at June 30, 2015, compared to approximately $1.0 billion at both March 31, 2015 and December 31, 2014. Dividends received from subsidiary banks on common and preferred stock offset debt and interest payments as well as dividends on Company common and preferred stock.

At June 30, 2015, the Parent’s long-term debt maturities during the remainder of 2015 consist of $229 million carrying value of subordinated/convertible subordinated notes due as follows: 6.0% $109 million on September 15, 2015 and 5.5% $120 million on November 16, 2015. See Note 8 for additional detail about the Company’s debt maturities.

During the first six months of 2015, the Parent received dividends on common stock and return of common equity totaling $90 million and dividends on preferred stock totaling $21 million from its subsidiary banks. During the first six months of 2014, the Parent received $101 million from its subsidiaries for dividends on common stock and return of common equity and $20 million from dividends on preferred stock. The dividends that our subsidiary banks can pay to the Parent are restricted by current and historical earning levels, retained earnings, and risk-based and other regulatory capital requirements and limitations. During the first six months of 2015, all of the Company’s subsidiary banks recorded a profit. We expect that this profitability will be sustained, thus permitting continued payments of dividends by the subsidiaries to the Parent during the remainder of 2015. As discussed in Note 1 of the Notes to Consolidated Financial Statements, the Company has announced certain efficiency and restructuring initiatives that included, among other things, the consolidation of its seven bank charters into one bank charter. After completion of this consolidation, the single charter bank dividend capacity to the Parent may change.

General financial market and economic conditions impact the Company’s access to, and cost of, external financing. Access to funding markets for the Parent and subsidiary banks is also directly affected by the credit ratings received from various rating agencies. The ratings not only influence the costs associated with the borrowings, but can also influence the sources of the borrowings. The debt ratings and outlooks issued by the various rating agencies for the Company did not change during the first six months of 2015, except Moody’s upgraded the Company’s subordinated debt to Ba1 from Ba2 and revised its outlook to positive from stable. Standard & Poor’s, Fitch, Dominion Bond Rating Service (“DBRS”), and Kroll all rate the Company’s senior debt at an investment-grade level, while Moody’s rates the Company’s senior debt as Ba1 (one notch below investment-grade). In addition, all of the previously mentioned rating agencies, except Kroll, rate the Company’s subordinated debt as noninvestment-grade.

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The following schedule presents the Parent’s balance sheets as of June 30, 2015, December 31, 2014, and June 30, 2014.

PARENT ONLY CONDENSED BALANCE SHEETS
(In thousands)	June 30, 2015			December 31, 2014			June 30, 2014
ASSETS
Cash and due from banks	$	2,022		$	2,023		$	2,014
Interest-bearing deposits	643,001			1,007,916			950,802
Security resell agreements	500,000			—			—
Investment securities:
Held-to-maturity, at adjusted cost (approximate fair value of $0, $34,691 and $33,467)	—			17,292			17,322
Available-for-sale, at fair value	46,838			130,964			343,648
Other noninterest-bearing investments	29,824			29,091			33,319
Investments in subsidiaries:
Commercial banks and bank holding company	7,110,092			6,995,000			6,861,445
Other operating companies	31,361			22,948			30,239
Nonoperating – ZMFU II, Inc. 1	44,890			44,792			44,637
Receivables from subsidiaries:
Other operating companies	6,060			15,060			10,060
Other assets	93,960			106,224			207,142
	$	8,508,048		$	8,371,310		$	8,500,628
LIABILITIES AND SHAREHOLDERS’ EQUITY
Other liabilities	$	77,386		$	85,275		$	117,930
Subordinated debt to affiliated trusts	15,464			15,464			15,464
Long-term debt:
Due to affiliates	22			20			113
Due to others	885,001			901,021			1,667,031
Total liabilities	977,873			1,001,780			1,800,538
Shareholders’ equity:
Preferred stock	1,004,032			1,004,011			1,004,006
Common stock	4,738,272			4,723,855			4,192,136
Retained earnings	1,823,043			1,769,705			1,640,785
Accumulated other comprehensive loss	(35,172		)	(128,041		)	(136,837		)
Total shareholders’ equity	7,530,175			7,369,530			6,700,090
	$	8,508,048		$	8,371,310		$	8,500,628

¹  ZMFU II, Inc. is a wholly-owned nonoperating subsidiary whose sole purpose is to hold a portfolio of municipal bonds, loans and leases.

The Parent’s cash payments for interest, reflected in operating expenses, decreased to $24 million during the first six months of 2015 from $53 million during the first six months of 2014 due to continued maturity and repayment of debt. Additionally, the Parent paid approximately $52 million and $48 million of total dividends on preferred stock and common stock during the first six months of 2015 and 2014, respectively.

At June 30, 2015, maturities of the Parent’s long-term senior and subordinated debt ranged from September 2015 to September 2028.

Subsidiary Bank Liquidity

The subsidiary banks’ primary source of funding is their core deposits, consisting of demand, savings and money market deposits, and time deposits under $250,000. On a consolidated basis, the Company’s loan to total deposit ratio decreased to 81.8% at June 30, 2015, compared to 83.7% at December 31, 2014 and 86.8% at June 30, 2014.

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Total deposits increased by $1.1 billion to $48.9 billion at June 30, 2015, compared to $47.8 billion at December 31, 2014, primarily due to an $1.0 billion increase in noninterest-bearing demand deposits. This increase was partially offset by a $144 million decrease in time deposits.

The FHLB system and Federal Reserve Banks have been and are a source of back-up liquidity, and from time to time, have been a significant source of funding for each of the Company’s subsidiary banks. Zions Bank and TCBW are members of the FHLB of Seattle. CB&T, NSB, and NBAZ are members of the FHLB of San Francisco. Vectra is a member of the FHLB of Topeka and Amegy Bank is a member of the FHLB of Dallas. The FHLB allows member banks to borrow against their eligible loans to satisfy liquidity and funding requirements. The subsidiary banks are required to invest in FHLB and Federal Reserve stock to maintain their borrowing capacity. We do not believe that the consolidation of the affiliate bank charters will adversely impact bank liquidity.

At June 30, 2015, the amount available for additional FHLB and Federal Reserve borrowings was approximately $16.3 billion. Loans with a carrying value of approximately $22.4 billion at June 30, 2015, $22.6 billion at March 31, 2015, and $22.5 billion at December 31, 2014, have been pledged at the Federal Reserve and various FHLBs as collateral for current and potential borrowings. During the second quarter of 2015, the Company repaid its outstanding $22 million of long-term borrowings with the FHLB. The Company had no short-term FHLB or Federal Reserve borrowings outstanding at June 30, 2015, which was unchanged from December 31, 2014. At June 30, 2015, the subsidiary banks’ total investment in FHLB and Federal Reserve stock was $93 million and $121 million, respectively, compared to $104 million and $121 million at December 31, 2014.

The Company’s investment activities can provide or use cash, depending on the asset liability management posture taken. During the first six months of 2015, HTM and AFS investment securities’ activities resulted in a net increase in investment securities and a net $740 million decrease in cash, compared with a net $343 million increase in cash for the first six months of 2014.

Maturing balances in our subsidiary banks’ loan portfolios also provide additional flexibility in managing cash flows. Lending and purchase activity for the first six months of 2015 resulted in a net cash inflow of $48 million compared to a net cash outflow of $613 million for the first six months of 2014.

A more comprehensive discussion of our liquidity management is contained in the Company’s 2014 Annual Report on Form 10-K.

Operational Risk Management

Operational risk is the risk to current or anticipated earnings or capital arising from inadequate or failed internal processes or systems, human errors or misconduct, or adverse external events. In its ongoing efforts to identify and manage operational risk, the Company has an Enterprise Risk Management department whose responsibility is to help employees, management and the Board of Directors to assess, understand, measure, and monitor risk in accordance with the Company’s Risk Appetite Framework. We have documented both controls and the Control Self Assessment related to financial reporting under the 2013 framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”) and the Federal Deposit Insurance Corporation Improvement Act of 1991.

To manage and minimize its operational risk, the Company has in place transactional documentation requirements; systems and procedures to monitor transactions and positions; systems and procedures to detect and mitigate attempts to commit fraud, penetrate the Company’s systems or telecommunications, access customer data, and/or deny normal access to those systems to the Company’s legitimate customers; regulatory compliance reviews; and periodic reviews by the Company’s Internal Audit and Credit Examination departments. Reconciliation procedures have been established to ensure that data processing systems consistently and accurately capture critical data. Further, we undertake significant efforts to maintain contingency and business continuity plans for operational support in the event of natural or other disasters. We also mitigate operational risk through the purchase of insurance, including errors and omissions and professional liability insurance.

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The Company is continually improving its oversight of operational risk, including enhancement of risk identification, risk and control self-assessments, and antifraud measures, which are reported on a regular basis to two management committees. The Operational Risk Committee reports to the Enterprise Risk Management Committee, which reports to the Risk Oversight Committee of the Board of Directors. Late in 2013, the Company further improved operational risk management by creating and staffing the position of Director of Corporate Operational Risk in order to consolidate and enhance its risk oversight functions.

The number and sophistication of attempts to disrupt or penetrate the Company’s critical systems, sometimes referred to as hacking, cyberfraud, cyberattacks, cyberterrorism, or other similar names, also continue to grow. On a daily basis, the Company, its customers, and other financial institutions are subject to a large number of such attempts. The Company has established systems and procedures to monitor, thwart or mitigate damage from such attempts. However, in some instances we, or our customers, have been victimized by cyberfraud (related losses to the Company have not been material), or some of our customers have been temporarily unable to routinely access our online systems as a result of, for example, distributed denial of service attacks. The Company continues to review this area of its operations to help ensure that it manages this risk in an effective manner.

CAPITAL MANAGEMENT

We believe that a strong capital position is vital to continued profitability and to promoting depositor and investor confidence.

Total shareholders’ equity increased by $161 million to $7.5 billion at June 30, 2015 from $7.4 billion at December 31, 2014. The increase in total shareholders’ equity is primarily due to net income of $106 million and the sale of the Company’s remaining portfolio of CDO securities, which was the primary driver of the $93 million increase in AOCI, partially offset by $52 million of dividends recorded on preferred and common stock.

During the second quarter of 2015, the Company increased its quarterly dividend on common stock to $0.06 per share from $0.04 per share it had paid since the second quarter of 2013. The Company paid $20.5 million in dividends on common stock during the first six months of 2015, compared to $14.9 million during the first six months of 2014. During its July 2015 meeting, the Board of Directors declared a quarterly dividend of $0.06 per common share payable on August 27, 2015 to shareholders of record on August 20, 2015.

The Company recorded dividends on preferred stock of $31.8 million and $40.1 million for the first six months of 2015 and 2014, respectively. Dividends on preferred stock recorded in the first six months of 2014 included an accrual of $7.0 million. The Company’s 2015 capital plan, to which the Federal Reserve did not object, includes the reduction of up to $300 million in preferred stock. See discussion under “Capital Plan and Stress Tests” following.

Banking organizations are required by capital regulations to maintain adequate levels of capital as measured by several regulatory capital ratios. The effect of the CDO sales during the second quarter of 2015 improved the Company’s common equity tier 1 (“CET1”) capital ratio by approximately 0.07%. Based on our review and evaluation of a frequently-asked question document issued jointly by the OCC, the Federal Reserve, and the FDIC in April 2015, we increased the risk weighting of certain construction and land development loans, characterized as high volatility commercial real estate (“HVCRE”), by approximately $740 million. The impact of this change reduced the CET1 capital ratio at June 30, 2015 by 0.19%. The following schedule shows the Company’s capital and performance ratios as of June 30, 2015, December 31, 2014, and June 30, 2014.

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CAPITAL RATIOS

	June 30, 2015		December 31, 2014		June 30, 2014
Tangible common equity ratio	9.58	%	9.48	%	8.60	%
Tangible equity ratio	11.33	%	11.27	%	10.46	%
Average equity to average assets (three months ended)	13.04	%	13.21	%	12.26	%
Basel III risk-based capital ratios1:
Common equity tier 1 capital	12.00%
Tier 1 leverage	11.65%
Tier 1 risk-based	14.26%
Total risk-based	16.32%
Basel I risk-based capital ratios:
Tier 1 common			11.92	%	10.45	%
Tier 1 leverage			11.82	%	11.00	%
Tier 1 risk-based			14.47	%	13.00	%
Total risk-based			16.27	%	14.90	%
Return on average common equity (three months ended)	(0.07	)%	4.06	%	7.30	%
Tangible return on average tangible common equity (three months ended)	0.03	%	4.95	%	9.07	%

¹  Basel III capital ratios became effective January 1, 2015 and are based upon a 2015 phase-in.

At June 30, 2015, Basel III regulatory tier 1 risk-based capital and total risk-based capital was $6.6 billion and $7.5 billion, respectively. Basel I regulatory tier 1 risk-based capital and total risk-based capital at December 31, 2014 was $6.6 billion and $7.4 billion, respectively.

A more comprehensive discussion of our capital management is contained in the Company’s 2014 Annual Report on Form 10-K.

Basel III

The Basel III capital rules, which effectively replaced the Basel I rules, became effective for the Company on January 1, 2015 (subject to phase-in periods for certain of their components). In 2013, the FRB, FDIC, and OCC published final rules (the “Basel III Capital Rules”) establishing a new comprehensive capital framework for U.S. banking organizations. The rules implement the Basel Committee’s December 2010 framework, commonly referred to as Basel III, for strengthening international capital standards as well as certain provisions of the Dodd-Frank Act. The Basel III capital rules substantially revised the risk-based capital requirements applicable to bank holding companies and depository institutions, including the Company, compared to the Basel I U.S. risk-based capital rules.

Under prior Basel I capital standards, the effects of AOCI items included in capital were excluded for purposes of determining regulatory capital and capital ratios. As allowed under the Basel III Capital Rules, the Company, a “non-advanced approaches banking organization,” made a one-time permanent election as of January 1, 2015 to continue to exclude these items.

The Company met all capital adequacy requirements under the Basel III Capital Rules based upon a 2015 phase-in as of June 30, 2015, and believes that it would meet all capital adequacy requirements on a fully phased-in basis if such requirements were currently effective.

A detailed discussion of Basel III requirements, including implications for the Company, is contained on page 8 in “Supervision and Regulation” under Part 1, Item 1 in the Company’s 2014 Annual Report on Form 10-K.

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ZIONS BANCORPORATION AND SUBSIDIARIES

Capital Plan and Stress Tests

As a bank holding company with assets greater than $50 billion, the Company is required by the Dodd-Frank Act to participate in annual stress tests known as the Dodd-Frank Act Stress Test (“DFAST”) and Federal Reserve’s Comprehensive Capital Analysis and Review (“CCAR”). The Company timely submitted its 2015 capital plan and stress test results to the FRB on January 5, 2015. In its capital plan, the Company was required to forecast under a variety of economic scenarios for nine quarters ending the fourth quarter of 2016, its estimated regulatory capital ratios, including its tier 1 common ratio, under Basel I rules, its estimated regulatory capital ratios, including its CET1 ratio, under Basel III rules, and its GAAP tangible common equity ratio. During the second quarter of 2015, the Company completed its mid-cycle capital stress test as required under DFAST. The results demonstrate that we maintain sufficient capital to withstand a severe economic downturn. Detailed disclosure of the mid-cycle stress test results can be found on the Company’s website. Under the implementing regulations for CCAR, a bank holding company may generally only raise and redeem capital, pay dividends and repurchase stock and take similar capital-related actions only under a capital plan as to which the FRB has not objected.

On March 11, 2015, the Company announced that the Federal Reserve notified the Company that it did not object to the capital actions outlined in its 2015 capital plan. The plan included (1) the increase of the quarterly common dividend to $0.06 per share beginning in the second quarter of 2015; (2) the continued payment of preferred dividends at the current rates; and (3) up to $300 million in total reduction of preferred equity. The Company has not yet determined the method, timing or particular issues of preferred stock that it might seek to reduce. The ultimate determination of these matters will depend on a number of factors, including market conditions and the receptivity of preferred investors to the terms of any preferred stock redemption offers, as well as the effect of other steps the Company may explore as it seeks to manage its capital in light of the most recent round of stress tests, any of which could result in a reduction or delay of the preferred equity reductions. The Company expects to manage any reduction of preferred equity such that total tier 1 capital does not decline materially during the period covered by its CCAR 2015 capital plan.

GAAP to NON-GAAP RECONCILIATIONS

1. Basel I tier 1 common capital

The Basel I capital rules were replaced by the new Basel III capital rules that became effective for the Company on January 1, 2015 (subject to phase-in periods for certain of their components). The Basel III capital rules include the CET1 capital ratio, which is the core capital component of the Basel III rules and a key ratio considered by regulators, investors, and analysts. The calculation of the CET1 ratio, as defined under Basel III rules, is considered an acceptable ratio by GAAP for financial institutions and, accordingly, does not require reconciliation to GAAP.

There is a difference in the calculation of the CET1 ratio under Basel III rules and the calculation of tier 1 common capital (“T1C”) under Basel I rules. We present the calculation of key regulatory capital ratios, including the T1C common capital, using the governing definition at the end of each quarter, taking into account applicable phase-in rules.

While the Company was subject to Basel I capital rules prior to 2015, the Federal Reserve and other banking regulators assessed a bank’s capital adequacy based on tier 1 capital, the calculation of which was codified in federal banking regulations. However, Basel I rules did not include a definition for T1C capital, and thus it was considered non-GAAP and required reconciliation to GAAP. The following schedule provides a reconciliation for prior periods of total shareholders’ equity (GAAP) to tier 1 capital (regulatory at the subject dates) and to T1C capital (non-GAAP) using Basel I U.S. regulatory treatment.

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ZIONS BANCORPORATION AND SUBSIDIARIES

BASEL I TIER 1 COMMON CAPITAL (NON-GAAP)

(Amounts in millions)	December 31, 2014			June 30, 2014
Total shareholders’ equity (GAAP)	$	7,370		$	6,700
Accumulated other comprehensive loss	128			137
Nonqualifying goodwill and intangibles	(1,040		)	(1,045		)
Other regulatory adjustments	(1		)	(1		)
Qualifying trust preferred securities	163			163
Tier 1 capital (regulatory)	6,620			5,954
Qualifying trust preferred securities	(163		)	(163		)
Preferred stock	(1,004		)	(1,004		)
Tier 1 common capital (non-GAAP)	$	5,453		$	4,787
Risk-weighted assets (regulatory)	$	45,738		$	45,787
Tier 1 common capital to risk-weighted assets (non-GAAP)	11.92		%	10.45		%

2. Tangible return on average tangible common equity

This Form 10-Q presents “tangible return on average tangible common equity” which excludes, net of tax, the amortization of core deposit and other intangibles from net earnings applicable to common shareholders, and average goodwill and core deposit and other intangibles from average common equity.

The following schedule provides a reconciliation of net earnings applicable to common shareholders (GAAP) to net earnings applicable to common shareholders, excluding net of tax, the effects of amortization of core deposit and other intangibles (non-GAAP), and average common equity (GAAP) to average tangible common equity (non-GAAP).

TANGIBLE RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)

	Three Months Ended
(Amounts in thousands)	June 30, 2015			December 31, 2014			June 30, 2014
Net earnings (loss) applicable to common shareholders (GAAP)	$	(1,100	)	$	66,761		$	104,490
Adjustments, net of tax:
Amortization of core deposit and other intangibles	1,472			1,676			1,735
Net earnings (loss) applicable to common shareholders, excluding the effects of the adjustments, net of tax (non-GAAP) (a)	$	372		$	68,437		$	106,225
Average common equity (GAAP)	$	6,492,865		$	6,521,187		$	5,744,696
Average goodwill	(1,014,129		)	(1,014,129		)	(1,014,129		)
Average core deposit and other intangibles	(22,135		)	(26,848		)	(32,234		)
Average tangible common equity (non-GAAP) (b)	$	5,456,601		$	5,480,210		$	4,698,333
Number of days in quarter (c)	91			92			91
Number of days in year (d)	365			365			365
Tangible return on average tangible common equity (non-GAAP) (a/b/c*d)	0.03		%	4.95		%	9.07		%

3. Total shareholders’ equity to tangible equity and tangible common equity

This Form 10-Q presents “tangible equity” and “tangible common equity” which excludes goodwill and core deposit and other intangibles for both measures and preferred stock for tangible common equity.

The following schedule provides a reconciliation of total shareholders’ equity (GAAP) to both tangible equity (non-GAAP) and tangible common equity (non-GAAP).

90

ZIONS BANCORPORATION AND SUBSIDIARIES

TANGIBLE EQUITY (NON-GAAP) AND TANGIBLE COMMON EQUITY (NON-GAAP)

(Amounts in millions)	June 30, 2015			December 31, 2014			June 30, 2014
Total shareholders’ equity (GAAP)	$	7,530		$	7,370		$	6,700
Goodwill	(1,014		)	(1,014		)	(1,014		)
Core deposit and other intangibles	(21		)	(26		)	(31		)
Tangible equity (non-GAAP) (a)	6,495			6,330			5,655
Preferred stock	(1,004		)	(1,004		)	(1,004		)
Tangible common equity (non-GAAP) (b)	$	5,491		$	5,326		$	4,651
Total assets (GAAP)	$	58,365		$	57,209		$	55,111
Goodwill	(1,014		)	(1,014		)	(1,014		)
Core deposit and other intangibles	(21		)	(26		)	(31		)
Tangible assets (non-GAAP) (c)	$	57,330		$	56,169		$	54,066
Tangible equity ratio (a/c)	11.33		%	11.27		%	10.46		%
Tangible common equity ratio (b/c)	9.58		%	9.48		%	8.60		%

4. Efficiency ratio

This Form 10-Q presents an “efficiency ratio” which adjusts certain line items in noninterest expense and noninterest income. The following schedule provides a reconciliation of noninterest expense (GAAP), taxable-equivalent net interest income (GAAP) and noninterest income (GAAP) to the efficiency ratio (non-GAAP).

EFFICIENCY RATIO

(Dollar amounts in thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Noninterest expense (GAAP) (a)	$	404,100		$	406,027		$	801,561		$	804,090
Adjustments:
Severance costs	1,707			1,215			3,960			1,978
Other real estate expense, net	(445		)	(266		)	(71		)	1,341
Provision for unfunded lending commitments	(2,326		)	6,779			(1,115		)	5,767
Debt extinguishment cost	2,395			—			2,395			—
Amortization of core deposit and other intangibles	2,318			2,736			4,676			5,618
Restructuring costs	650			—			650			—
Total adjustments	4,299			10,464			10,495			14,704
Add-back of adjustments (b)	(4,299		)	(10,464		)	(10,495		)	(14,704		)
Adjusted noninterest expense (non-GAAP) (a+b)=(c)	$	399,801		$	395,563		$	791,066		$	789,386
Taxable-equivalent net interest income (GAAP) (d)	$	428,015		$	420,202		$	849,596		$	840,507
Noninterest income (GAAP) (e)	421			124,849			122,243			263,163
Adjustments:
Fair value and nonhedge derivative income (loss)	1,844			(1,934		)	756			(10,473		)
Equity securities gains, net	4,839			2,513			8,192			3,425
Fixed income securities gains (losses), net	(138,436		)	5,026			(138,675		)	35,940
Total adjustments	(131,753		)	5,605			(129,727		)	28,892
Add-back of adjustments (f)	131,753			(5,605		)	129,727			(28,892		)
Adjusted taxable-equivalent net interest income and noninterest income (non-GAAP) (d+e+f)=(g)	$	560,189		$	539,446		$	1,101,566		$	1,074,778
Efficiency ratio (c/g)	71.4		%	73.3		%	71.8		%	73.4		%

For items 2, 3 and 4, the identified adjustments to reconcile from the applicable GAAP financial measures to the non-GAAP financial measures are included where applicable in financial results or in the balance sheet presented in

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ZIONS BANCORPORATION AND SUBSIDIARIES

accordance with GAAP. We consider these adjustments to be relevant to ongoing operating results and financial position.

We believe that excluding the amounts associated with these adjustments to present the non-GAAP financial measures provides a meaningful base for period-to-period and company-to-company comparisons, which will assist regulators, investors, and analysts in analyzing the operating results or financial position of the Company and in predicting future performance. These non-GAAP financial measures are used by management to assess the performance of the Company’s business or its financial position for evaluating bank reporting segment performance, for presentations of the Company’s performance to investors, and for other reasons as may be requested by investors and analysts. We further believe that presenting these non-GAAP financial measures will permit investors and analysts to assess the performance of the Company on the same basis as that applied by management.

Non-GAAP financial measures have inherent limitations, are not required to be uniformly applied, and are not audited. Although these non-GAAP financial measures are frequently used by stakeholders to evaluate a company, they have limitations as an analytical tool, and should not be considered in isolation or as a substitute for analysis of results reported under GAAP.

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest rate and market risks are among the most significant risks regularly undertaken by the Company, and they are closely monitored as previously discussed. A discussion regarding the Company’s management of interest rate and market risk is included in the section entitled “Interest Rate and Market Risk Management” in this Form 10-Q.

ITEM 4. CONTROLS AND PROCEDURES

The Company’s management, with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the Company’s disclosure controls and procedures as of June 30, 2015. Based on that evaluation, the Company’s Chief Executive Officer and Chief Financial Officer concluded that the Company’s disclosure controls and procedures were effective as of June 30, 2015. There were no changes in the Company’s internal control over financial reporting during the second quarter of 2015 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

The information contained in Note 11 of the Notes to Consolidated Financial Statements is incorporated by reference herein.

ITEM 1A. RISK FACTORS

The Company believes there have been no material changes in the risk factors included in Zions Bancorporation’s 2014 Annual Report on Form 10-K.

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ZIONS BANCORPORATION AND SUBSIDIARIES

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

The following schedule summarizes the Company’s share repurchases for the second quarter of 2015:

SHARE REPURCHASES

Period	Total number of shares repurchased 1		Average price paid per share		Total number of shares purchased as part of publicly announced plans or programs		Approximate dollar value of shares that may yet be purchased under the plan
April		4,338	$	27.16		—		$	—
May		112,377	29.05			—		—
June		253,816	30.70			—		—
Second quarter		370,531	30.16			—

¹  Represents common shares acquired from employees in connection with the Company’s stock compensation plan. Shares were acquired from employees to pay for their payroll taxes upon the vesting of restricted stock and restricted stock units, and the exercise of stock options, under provisions of an employee share-based compensation plan.

ITEM 6. EXHIBITS

a)Exhibits

Exhibit Number	Description
3.1	Restated Articles of Incorporation of Zions Bancorporation dated July 8, 2014, incorporated by reference to Exhibit 3.1 of Form 8-K/A filed on July 18, 2014.	*
3.2	Restated Bylaws of Zions Bancorporation dated February 27, 2015, incorporated by reference to Exhibit 3.2 of Form 10-Q for the quarter ended March 31, 2015.	*
31.1	Certification by Chief Executive Officer required by Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934 (filed herewith).
31.2	Certification by Chief Financial Officer required by Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934 (filed herewith).
32	Certification by Chief Executive Officer and Chief Financial Officer required by Sections 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 (15 U.S.C. 78m) and 18 U.S.C. Section 1350 (furnished herewith).
101	Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets as of June 30, 2015 and December 31, 2014, (ii) the Consolidated Statements of Income for the three months ended June 30, 2015 and June 30, 2014 and the six months ended June 30, 2015 and June 30, 2014, (iii) the Consolidated Statements of Comprehensive Income for the three months ended June 30, 2015 and June 30, 2014 and the six months ended June 30, 2015 and June 30, 2014, (iv) the Consolidated Statements of Changes in Shareholders’ Equity for the six months ended June 30, 2015 and June 30, 2014, (v) the Consolidated Statements of Cash Flows for the three months ended June 30, 2015 and June 30, 2014 and the six months ended June 30, 2015 and June 30, 2014, and (vi) the Notes to Consolidated Financial Statements (filed herewith).

* Incorporated by reference

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

ZIONS BANCORPORATION

/s/ Harris H. Simmons

Harris H. Simmons, Chairman and

Chief Executive Officer

/s/ Paul E. Burdiss

Paul E. Burdiss, Executive Vice President and Chief Financial Officer

Date: August 6, 2015

94

EX-31.1

EXHIBIT 31.1

CERTIFICATION

Principal Executive Officer

I, Harris H. Simmons, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Zions Bancorporation;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: August 6, 2015

/s/ Harris H. Simmons

Harris H. Simmons, Chairman and Chief Executive Officer

EX-31.2

EXHIBIT 31.2

CERTIFICATION

Principal Financial Officer

I, Paul E. Burdiss, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Zions Bancorporation;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: August 6, 2015

/s/ Paul E. Burdiss

Paul E. Burdiss, Executive Vice President and Chief Financial Officer

EX-32

EXHIBIT 32

CERTIFICATION

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. §1350, the undersigned officers of Zions Bancorporation (the “Company”) hereby certify that, to the best of their knowledge, the Company’s Quarterly Report for the three months ended June 30, 2015 (the “Report”) fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 (15 U.S.C. 78m) and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: August 6, 2015

/s/ Harris H. Simmons
Name:	Harris H. Simmons
Title:	Chairman and Chief Executive Officer
/s/ Paul E. Burdiss
Name:	Paul E. Burdiss
Title:	Executive Vice President and Chief Financial Officer

The foregoing certification is being furnished solely pursuant to 18 U.S.C. §1350 and is not being filed as part of the Report or as a separate disclosure document.

XML

Investment Securities (Summary Of Investment Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Investment [Line Items]
Held-to-maturity, fair value	$ 602,355	$ 677,196
Held-to-maturity, Amortized cost	570,869	686,951
Held To Maturity Securities Gross Unrealized Gains Losses 1		0
Held To Maturity Securities Gross Unrealized Losses		39,699
Held-to-maturity, Carrying value	570,869	647,252
Available-for-sale Debt Securities, Amortized Cost Basis	4,543,462	3,819,297
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	28,798	31,603
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	31,521	142,275
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	4,540,739
Available-for-sale debt securities, Estimated fair value	4,540,739	3,708,625
Available-for-sale Securities, Gross Unrealized Gain	28,866	31,679
Available-for-sale equity securities, Carrying value		3,708,625
Available-for-sale, Amortized cost	4,655,070	3,955,888
Available-for-sale, Gross unrealized losses, Recognized in OCI	31,521	143,319
Carrying value	4,652,415	3,844,248
Available-for-sale securities, Estimated fair value	4,652,415	3,844,248
Held-to-maturity Securities, Unrecognized Holding Gain		31,411
Held-to-maturity Securities, Unrecognized Holding Loss		1,467
amortized cost of investment securities	5,225,939	4,642,839
Gross Unrealized Gains of Investment Securities Recognized in OCI	38,450	31,679
Gross Unrealized Losses of Investment Securities Recognized in OCI	33,647	183,018
Carrying Value of Investment Securities	5,230,742	4,491,500
Estimated Fair Value of Investment Securities		4,521,444
Money Market Mutual Funds and Other [Member]
Investment [Line Items]
Available-for-sale Securities, Gross Unrealized Gain	68
Available-for-sale, Amortized cost	111,608
Available-for-sale, Gross unrealized losses, Recognized in OCI	0
Carrying value	111,676
Municipal Securities [Member]
Investment [Line Items]
Held-to-maturity, fair value		619,889
Held-to-maturity, Amortized cost	570,869	607,675
Held To Maturity Securities Gross Unrealized Gains Losses 1		0
Held To Maturity Securities Gross Unrealized Losses		0
Held-to-maturity, Carrying value	578,327	607,675
Available-for-sale Debt Securities, Amortized Cost Basis	202,372	189,059
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	796	1,143
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	511	945
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	202,657	189,257
Available-for-sale debt securities, Estimated fair value		189,257
Held-to-maturity Securities, Unrecognized Holding Gain	9,584	13,018
Held-to-maturity Securities, Unrecognized Holding Loss	2,126	804
Available-for-sale Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	25,519
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	219
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	1,923
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	23,815
Trust Preferred Securities - Banks And Insurance [Member] | Asset-backed Securities [Member]
Investment [Line Items]
Held-to-maturity, fair value		57,307
Held-to-maturity, Amortized cost		79,276
Held To Maturity Securities Gross Unrealized Gains Losses 1		0
Held To Maturity Securities Gross Unrealized Losses		39,699
Held-to-maturity, Carrying value		39,577
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I		103
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I		121,984
Available-for-sale equity securities, Carrying value		415,708
Available-for-sale, Amortized cost		537,589
Available-for-sale securities, Estimated fair value		415,708
Held-to-maturity Securities, Unrecognized Holding Gain		18,393
Held-to-maturity Securities, Unrecognized Holding Loss		663
Agency Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	661,118	607,523
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	1,214	1,572
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	11,875	8,343
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	650,457	600,752
Available-for-sale debt securities, Estimated fair value		600,752
Agency Guaranteed Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	2,001,120	935,164
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	9,741	12,132
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	9,281	2,105
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	2,001,580	945,191
Available-for-sale debt securities, Estimated fair value		945,191
Small Business Administration Loan-Backed Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	1,653,333	1,544,710
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	16,828	16,446
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	7,931	8,891
Available-For-Sale Securities, Debt Securities, Net Carrying Amount	$ 1,662,230	1,552,265
Available-for-sale debt securities, Estimated fair value		1,552,265
Auction Rate Securities [Member] | Asset-backed Securities [Member]
Investment [Line Items]
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I		207
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I		7
Available-for-sale equity securities, Carrying value		5,452
Available-for-sale, Amortized cost		5,252
Available-for-sale securities, Estimated fair value		5,452
Mutual Funds And Other [Member]
Investment [Line Items]
Available-for-sale Securities, Gross Unrealized Gain		76
Available-for-sale, Amortized cost		136,591
Available-for-sale, Gross unrealized losses, Recognized in OCI		1,044
Carrying value		135,623
Available-for-sale securities, Estimated fair value		$ 135,623

XML

Loans And Allowance For Credit Losses (Summary Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2,186	$ 837	$ 3,145	$ 1,054	$ 88,700	$ 141,300
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				$ 2,321,150
Net financial impact on interest income		539	625	1,131	1,255
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		136	140	303	256
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		(26)	(51)	(63)	(106)
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				2,321,150
Net financial impact on interest income		274	297	553	608
Commercial and Industrial Sector [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		(64)	(7)	(119)	20
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Net financial impact on interest income		(72)	(133)	(184)	(276)
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Net financial impact on interest income		(103)	(137)	(212)	(285)
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	49	107	49
Net financial impact on interest income		(267)	(287)	(538)	(587)
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Net financial impact on interest income		(7)	(8)	(14)	(17)
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Net financial impact on interest income		129	188	275	391
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Net financial impact on interest income		0	(2)	(1)	(4)
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	132	107	349
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186	827	3,145	1,044
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	39	107	39
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	122	107	339
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Loans and Leases Receivable, Gross, Consumer, Home Equity		14,416		14,416				13,579
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	$ 10	0	$ 10
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		10,539		10,539				11,320
Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		741		741				742
Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		833		833				70
Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		0		0				0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[1]	265		265				166
Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[2]	$ 2,038		$ 2,038				$ 1,281

[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.

XML

Loans And Allowance For Credit Losses (Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	$ 602,095	$ 863,084	$ 578,481	$ 877,419
Impaired Financing Receivable, Interest Income, Accrual Method	13,911	18,098	25,982	44,419
Allowance for loan losses: Individually evaluated for impairment	(50,748)		(50,748)			$ (41,713)
Allowance for loan losses: Collectively evaluated for impairment	557,488		557,488			560,150
Allowance for loan losses: Purchased loans with evidence of credit deterioration	1,139		1,139			2,800
Allowance for loan losses: Total	609,375	675,907	609,375	675,907	$ 620,013	604,663	$ 736,953	$ 746,291
Outstanding loan balances: Individually evaluated for impairment	499,666		499,666			521,909
Outstanding loan balances: Collectively evaluated for impairment	39,371,898		39,371,898			39,362,450
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	152,420		152,420			179,299
Total loans	40,023,984		40,023,984			40,063,658
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	174,911	194,683	155,584	188,136
Impaired Financing Receivable, Interest Income, Accrual Method	2,831	4,212	4,255	6,802
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	144,613	232,662	142,817	236,250
Impaired Financing Receivable, Interest Income, Accrual Method	3,186	4,532	6,970	9,286
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Individually evaluated for impairment	(37,037)		(37,037)			(28,627)
Allowance for loan losses: Collectively evaluated for impairment	400,472		400,472			382,552
Allowance for loan losses: Purchased loans with evidence of credit deterioration	261		261			1,335
Allowance for loan losses: Total	437,770	442,965	437,770	442,965	442,072	412,514	477,701	469,213
Outstanding loan balances: Individually evaluated for impairment	275,607		275,607			259,207
Outstanding loan balances: Collectively evaluated for impairment	21,034,441		21,034,441			21,105,217
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	68,618		68,618			79,940
Total loans	21,378,666		21,378,666			21,444,364
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	35,562	61,957	36,215	64,265
Impaired Financing Receivable, Interest Income, Accrual Method	1,628	1,394	2,177	4,932
Allowance for loan losses: Total	125,796	187,940	125,796	187,940	131,615	145,009	208,149	216,012
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	4,176	7,314	4,463	7,854
Impaired Financing Receivable, Interest Income, Accrual Method	230	421	516	930
Allowance for loan losses: Individually evaluated for impairment	(10,382)		(10,382)			(9,059)
Allowance for loan losses: Collectively evaluated for impairment	34,721		34,721			37,508
Allowance for loan losses: Purchased loans with evidence of credit deterioration	706		706			573
Allowance for loan losses: Total	45,809	45,002	45,809	45,002	$ 46,326	47,140	$ 51,103	$ 61,066
Outstanding loan balances: Individually evaluated for impairment	90,220		90,220			95,267
Outstanding loan balances: Collectively evaluated for impairment	8,422,221		8,422,221			8,395,371
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	12,876		12,876			15,648
Total loans	8,525,317		8,525,317			8,506,286
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	320,532	436,615	299,422	434,001
Impaired Financing Receivable, Interest Income, Accrual Method	6,017	8,744	11,225	16,088
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	144,054	245,827	142,439	260,749
Impaired Financing Receivable, Interest Income, Accrual Method	5,063	6,618	10,038	20,568
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	179,616	307,784	178,654	325,014
Impaired Financing Receivable, Interest Income, Accrual Method	6,691	8,012	12,215	25,500
Allowance for loan losses: Individually evaluated for impairment	(3,329)		(3,329)			(4,027)
Allowance for loan losses: Collectively evaluated for impairment	122,295		122,295			140,090
Allowance for loan losses: Purchased loans with evidence of credit deterioration	172		172			892
Allowance for loan losses: Total	125,796		125,796			145,009
Outstanding loan balances: Individually evaluated for impairment	133,839		133,839			167,435
Outstanding loan balances: Collectively evaluated for impairment	9,915,236		9,915,236			9,861,862
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	70,926		70,926			83,711
Total loans	10,120,001		10,120,001			$ 10,113,008
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	25,400	25,854	24,948	25,470
Impaired Financing Receivable, Interest Income, Accrual Method	416	372	821	774
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	69,874	82,353	68,464	81,909
Impaired Financing Receivable, Interest Income, Accrual Method	534	512	1,041	1,052
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	2,497	3,164	2,529	3,166
Impaired Financing Receivable, Interest Income, Accrual Method	22	36	64	74
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	0	1	5
Impaired Financing Receivable, Interest Income, Accrual Method	1	1	100	1
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	101,947	118,685	100,405	118,404
Impaired Financing Receivable, Interest Income, Accrual Method	1,203	1,342	2,542	2,831
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	1,008	9,270	1,021	9,615
Impaired Financing Receivable, Interest Income, Accrual Method	$ 0	$ 0	$ 0	$ 0

XML

Fair Value (Schedule Of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Dividends and Other Investment Income (Loss) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Realized gains (losses) from Level 3 inputs	$ 4	$ 0	$ 4	$ 34
Fixed Income Securities Gains (Losses), Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Realized gains (losses) from Level 3 inputs	(137,349)	4,383	(137,641)	35,297
Level 3 Equity Securities Gains (Losses), Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Realized gains (losses) from Level 3 inputs	(674)	0	(674)	0
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value Assets Measured On Recurring Basis And Gain Loss Included In Fixed Income Securities Gains (Losses), Net	(375)		(344)	16
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Accretion Of Purchase Discount On Securities Available-For-Sale	1	$ 8	3	18
Trust Preferred Securities Real Estate Investment Trusts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value Assets Measured On Recurring Basis And Gain Loss Included In Fixed Income Securities Gains (Losses), Net				$ 1,399
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Accretion Of Purchase Discount On Securities Available-For-Sale
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Liabilities, Fair Value Disclosure					$ 13
Estimate of Fair Value Measurement [Member] | Other Postretirement Benefits, Individual Contracts, Type of Deferred Compensation [Domain]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	89,729		89,729		88,878
Other Liabilities, Fair Value Disclosure	$ 89,729		$ 89,729		$ 88,878

XML

Loans And Allowance For Credit Losses (Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings) (Details) - Receivable Type [Domain] - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2,186	$ 837	$ 3,145	$ 1,054	$ 88,700	$ 141,300
Loans Receivable, Gross, Commercial and Industrial		13,110,925		13,110,925				$ 13,162,955
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				2,321,150
Loans and Leases Receivable, Gross, Consumer, Mortgage		5,193,463		5,193,463				5,200,882
Loans and Leases Receivable, Gross, Consumer, Construction		371,622		371,622				370,542
Loans and Leases Receivable, Gross, Consumer, Revolving, Credit Card		409,471		409,471				401,352
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		13,110,925		13,110,925				13,162,955
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	49	107	49
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				2,321,150
Loans and Leases Receivable, Gross, Consumer, Mortgage		5,193,463		5,193,463				5,200,882
Loans and Leases Receivable, Gross, Consumer, Construction		371,622		371,622				370,542
Loans and Leases Receivable, Gross, Consumer, Revolving, Credit Card		409,471		409,471				401,352
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	132	107	349
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Financing Receivable, Modifications, Recorded Investment		180,146		180,146				245,550
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		13,872		13,872				20,375
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Loans Receivable, Gross, Commercial and Industrial		27,205		27,205				50,781
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		30,643		30,643				51,781
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		57,848		57,848				102,562
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		41,591		41,591				61,240
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		55,463		55,463				81,615
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Loans and Leases Receivable, Gross, Consumer, Home Equity		14,416		14,416				13,579
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Loans and Leases Receivable, Gross, Consumer, Mortgage		50,437		50,437				45,723
Accruing [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		1,982		1,982				2,071
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Financing Receivable, Modifications, Recorded Investment		66,835		66,835				61,373
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		14,552		14,552				33,377
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		1,819		1,819				2,611
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,064		2,064				19,981
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,883		3,883				22,592
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,142		7,142				7,328
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,142		7,142				7,328
Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		741		741				742
Accruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		2,507		2,507				2,425
Accruing [Member] | Interest Rate Below Market [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		279		279				290
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,527		3,527				3,457
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	122,519		122,519				148,178
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	13,378		13,378				19,854
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[1]	21,388		21,388				34,585
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	17,705		17,705				17,505
Accruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	39,093		39,093				52,090
Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	30,129		30,129				39,007
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	43,507		43,507				58,861
Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[1]	2,038		2,038				1,281
Accruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage	[1]	36,710		36,710				34,719
Accruing [Member] | Multiple Modification Types [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction	[1]	1,171		1,171				1,227
Accruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	39,919		39,919				37,227
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	15,086		15,086				18,801
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	494		494				521
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[2]	213		213				3,855
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	8,623		8,623				10,960
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	8,836		8,836				14,815
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	2,277		2,277				2,546
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	2,771		2,771				3,067
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[2]	265		265				166
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage	[2]	3,214		3,214				753
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction	[2]	0		0				0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	3,479		3,479				919
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,528		1,528				8,143
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		115		115				3,203
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				1,251
Accruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		115		115				4,454
Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		974		974				3,153
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		974		974				3,153
Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		0		0				0
Accruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		439		439				446
Accruing [Member] | Payment Deferral [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		0		0				90
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		439		439				536
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		18,914		18,914				19,347
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Accruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		16		16				18
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		945		945				960
Accruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		961		961				978
Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		173		173				179
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		173		173				179
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		10,539		10,539				11,320
Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		7,205		7,205				6,828
Accruing [Member] | Principal Forgiveness [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		36		36				42
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		17,780		17,780				18,190
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,547		7,547				17,704
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		3,654		3,654				6,509
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,306		1,306				1,124
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,960		4,960				7,633
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		896		896				9,027
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		896		896				9,027
Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		833		833				70
Accruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		362		362				552
Accruing [Member] | Maturity Or Team Extension [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		496		496				422
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,691		1,691				1,044
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186	827	3,145	1,044
Financing Receivable, Modifications, Recorded Investment		298,504		298,504				343,329
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Modifications, Recorded Investment		17,705		17,705				20,968
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Loans Receivable, Gross, Commercial and Industrial		48,360		48,360				27,238
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Financing Receivable, Modifications, Recorded Investment		20,761		20,761				19,708
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Financing Receivable, Modifications, Recorded Investment		70,113		70,113				48,002
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Financing Receivable, Modifications, Recorded Investment		18,742		18,742				7,735
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Financing Receivable, Modifications, Recorded Investment		36,447		36,447				28,703
Nonaccruing [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		1,316		1,316				1,022
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	39	107	39
Loans and Leases Receivable, Gross, Consumer, Mortgage		10,190		10,190				19,489
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Loans and Leases Receivable, Gross, Consumer, Construction		292		292				563
Nonaccruing [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		11,798		11,798				21,074
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	$ 122	107	$ 339
Financing Receivable, Modifications, Recorded Investment		118,358		118,358				97,779
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		30,419		30,419				53,842
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		10,706		10,706				11,080
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		159		159				442
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,274		2,274				2,714
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,433		2,433				3,156
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,710		2,710				2,851
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		13,416		13,416				13,931
Nonaccruing [Member] | Interest Rate Below Market [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		10		10				0
Nonaccruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		8		8				3,378
Nonaccruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		0		0				0
Nonaccruing [Member] | Interest Rate Below Market [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		18		18				3,378
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		15,867		15,867				20,465
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	191,974		191,974				201,574
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3,708		3,708				6,427
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[1]	37,336		37,336				20,410
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	11,393		11,393				12,040
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	48,729		48,729				32,450
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	10,107		10,107				4,607
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	13,815		13,815				11,034
Nonaccruing [Member] | Multiple Modification Types [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[1]	48		48				399
Nonaccruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage	[1]	6,785		6,785				9,413
Nonaccruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction	[1]	78		78				100
Nonaccruing [Member] | Multiple Modification Types [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	6,911		6,911				9,912
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	69,455		69,455				53,396
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	29,194		29,194				33,956
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	3,229		3,229				3,300
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[2]	6,782		6,782				5,199
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	119		119				2,852
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	6,901		6,901				8,051
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	2,938		2,938				277
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	6,167		6,167				3,577
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	[2]	0		0				0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage	[2]	1,040		1,040				3,527
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction	[2]	0		0				0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	1,040		1,040				3,527
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	14,108		14,108				15,155
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		13,464		13,464				10,124
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				93
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		3,616		3,616				611
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		5,870		5,870				883
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9,486		9,486				1,494
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,142		2,142				0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,142		2,142				93
Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		61		61				203
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		180		180				191
Nonaccruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		67		67				0
Nonaccruing [Member] | Payment Deferral [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		308		308				394
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		11,936		11,936				1,981
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		22,325		22,325				21,718
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		845		845				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		845		845				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		669		669				420
Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		1,897		1,897				1,951
Nonaccruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,566		2,566				2,371
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,411		3,411				2,371
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		11,128		11,128				22,115
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		62		62				68
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		467		467				576
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,105		1,105				1,219
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,564		2,564				2,851
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0				0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		62		62				68
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		528		528				0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		280		280				1,029
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		147		147				463
Nonaccruing [Member] | Maturity Or Team Extension [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		955		955				1,492
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 3,581		$ 3,581				$ 4,411

[1] Includes TDRs that resulted from a combination of any of the previous modification types.

[2] 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.

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Loans And Allowance For Credit Losses (Summary Of Major Portfolio Segment And Specific Loan Class) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	$ 300,000	$ 200,000	$ (500,000)	$ (2,500,000)
Balance at end of period	609,375,000	675,907,000	609,375,000	675,907,000
Loans held for sale	152,448,000		152,448,000			$ 132,504,000
Commercial and industrial	13,110,925,000		13,110,925,000			13,162,955,000
Leasing	401,548,000		401,548,000			408,974,000
Owner occupied	7,277,208,000		7,277,208,000			7,351,548,000
Municipal	588,985,000		588,985,000			520,887,000
Construction and land development	2,061,716,000		2,061,716,000			1,986,408,000
Term	8,058,285,000		8,058,285,000			8,126,600,000
Provision for loan losses	(566,000)	54,416,000	928,000	55,026,000
Change In Allowance Covered By F D I C Indemnification	(38,000)	444,000	0	1,261,000
Allowance for Loan and Lease Losses, Write-offs	(31,048,000)	(23,400,000)	(51,236,000)	(44,195,000)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	19,806,000	17,214,000	56,876,000	30,098,000
Net loan and lease charge-offs	(11,242,000)	(6,186,000)	5,640,000	(14,097,000)
Reserve for unfunded lending commitments	79,961,000	95,472,000	79,961,000	95,472,000	$ 82,287,000	81,076,000	$ 88,693,000	$ 89,705,000
Provision for Unfunded Lending Commitments	2,326,000	(6,779,000)	1,115,000	(5,767,000)
Total allowance for credit losses	689,336,000	771,379,000	689,336,000	771,379,000
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	45,809,000	45,002,000	45,809,000	45,002,000
Provision for loan losses	$ 392,000	4,570,000	(67,000)	13,549,000
Change In Allowance Covered By F D I C Indemnification		60,000	0	96,000
Allowance for Loan and Lease Losses, Write-offs	$ (3,283,000)	(4,416,000)	(6,894,000)	(7,561,000)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3,158,000	2,945,000	5,496,000	5,142,000
Net loan and lease charge-offs	(125,000)	(1,471,000)	(1,398,000)	(2,419,000)
Reserve for unfunded lending commitments	548,000	3,982,000	548,000	3,982,000	575,000	628,000	3,550,000	3,875,000
Provision for Unfunded Lending Commitments	27,000	(432,000)	(80,000)	107,000
Total allowance for credit losses	46,357,000	48,984,000	46,357,000	48,984,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	125,796,000	187,940,000	125,796,000	187,940,000
Construction and land development	2,061,716,000		2,061,716,000			1,986,408,000
Term	8,058,285,000		8,058,285,000			8,126,600,000
Provision for loan losses	(4,983,000)	20,272,000	31,870,000	23,163,000
Change In Allowance Covered By F D I C Indemnification	(57,000)	0	(57,000)	0
Allowance for Loan and Lease Losses, Write-offs	(3,943,000)	(2,961,000)	(4,569,000)	(10,815,000)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3,050,000	3,024,000	17,169,000	5,906,000
Net loan and lease charge-offs	(893,000)	63,000	12,600,000	(4,909,000)
Reserve for unfunded lending commitments	18,639,000	38,689,000	18,639,000	38,689,000	18,937,000	21,517,000	35,273,000	37,485,000
Provision for Unfunded Lending Commitments	298,000	(3,416,000)	(2,878,000)	1,204,000
Total allowance for credit losses	144,435,000	226,629,000	144,435,000	226,629,000
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	437,770,000	442,965,000	437,770,000	442,965,000
Commercial and industrial	13,110,925,000		13,110,925,000			13,162,955,000
Leasing	401,548,000		401,548,000			408,974,000
Owner occupied	7,277,208,000		7,277,208,000			7,351,548,000
Municipal	588,985,000		588,985,000			520,887,000
Provision for loan losses	(5,941,000)	29,574,000	(30,875,000)	18,314,000
Change In Allowance Covered By F D I C Indemnification	19,000	384,000	57,000	1,165,000
Allowance for Loan and Lease Losses, Write-offs	(23,822,000)	(16,023,000)	(39,773,000)	(25,819,000)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	13,598,000	11,245,000	34,211,000	19,050,000
Net loan and lease charge-offs	(10,224,000)	(4,778,000)	(5,562,000)	(6,769,000)
Reserve for unfunded lending commitments	60,774,000	52,801,000	60,774,000	52,801,000	$ 62,775,000	$ 58,931,000	$ 49,870,000	$ 48,345,000
Provision for Unfunded Lending Commitments	(2,001,000)	(2,931,000)	1,843,000	4,456,000
Total allowance for credit losses	$ 498,544,000	$ 495,766,000	$ 498,544,000	$ 495,766,000

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Retirement Plans (Tables)

6 Months Ended

Jun. 30, 2015

Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]

Schedule Of Net Periodic Benefit Cost (Credit) For Pension And Postretirement Plans

	Pension benefits						Supplemental retirement benefits				Postretirement benefits						Pension benefits						Supplemental retirement benefits				Postretirement benefits
(In thousands)	Three Months Ended June 30,																Six Months Ended June 30,
	2015			2014			2015		2014		2015			2014			2015			2014			2015		2014		2015			2014
Service cost	$	—		$	—		$	—	$	—	$	8		$	8		$	—		$	—		$	—	$	—	$	16		$	16
Interest cost	1,783			1,880			101		113		10			12			3,566			3,760			201		227		20			23
Expected return on plan assets	(3,090		)	(3,326		)											(6,180		)	(6,652		)
Amortization of prior service cost							—		13		—			—									—		25		—			—
Amortization of net actuarial (gain) loss	1,574			797			31		5		(13		)	(18		)	3,147			1,593			62		10		(26		)	(35		)
Net periodic benefit cost (credit)	$	267		$	(649	)	$	132	$	131	$	5		$	2		$	533		$	(1,299	)	$	263	$	262	$	10		$	4

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Fair Value (Schedule Of Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Held-to-maturity, fair value	$ 602,355	$ 677,196
Time deposits	2,263,146	2,406,924
Long-term debt (less fair value hedges)	1,050,938	1,092,282
Carrying Value [Member]
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Held-to-maturity, fair value	570,869	647,252
Loans and leases (including loans held for sale), net of allowance	39,567,057	39,591,499
Time deposits	2,263,146	2,406,924
Foreign deposits	372,106	328,391
Long-term debt (less fair value hedges)	1,050,367	1,090,778
Estimate of Fair Value Measurement [Member]
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Held-to-maturity, fair value	578,327	677,196
Loans and leases (including loans held for sale), net of allowance	39,296,460	39,426,498
Time deposits	2,265,320	2,408,550
Foreign deposits	372,069	328,447
Long-term debt (less fair value hedges)	$ 1,091,173	$ 1,159,287

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Loans And Allowance For Credit Losses (Schedule Of Changes In The Accretable Yield For PCI Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Loans And Allowance For Credit Losses [Abstract]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	$ (11,674)	$ (14,181)	$ (21,257)	$ (36,488)
Changes in Accretable Yield [Roll Forward]
Balance at beginning of period	50,931	65,765	45,055	77,528
Disposals and other	2,866	3,719	5,044	5,343
Balance at end of period	46,702	60,834	46,702	60,834
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	$ 4,579	$ 5,531	$ 17,860	$ 14,451

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Retirement Plans (Schedule Of Net Periodic Benefit Cost (Credit) For Pension And Postretirement Plans) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0	$ 0	$ 0
Interest cost	1,783	1,880	3,566	3,760
Expected return on plan assets	(3,090)	(3,326)	(6,180)	(6,652)
Amortization of net actuarial (gain) loss	1,574	797	3,147	1,593
Net periodic benefit cost (credit)	267	(649)	533	(1,299)
Supplemental Retirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	0	0	0	0
Interest cost	101	113	201	227
Amortization of prior service cost (credit)	0	13	0	25
Amortization of net actuarial (gain) loss	31	5	62	10
Net periodic benefit cost (credit)	132	131	263	262
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	8	8	16	16
Interest cost	10	12	20	23
Amortization of prior service cost (credit)	0	0	0	0
Amortization of net actuarial (gain) loss	(13)	(18)	(26)	(35)
Net periodic benefit cost (credit)	$ 5	$ 2	$ 10	$ 4

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Operating Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015 USD ($) Branches Banks	Jun. 30, 2014 USD ($)	Jun. 30, 2015 USD ($) Branches Banks	Jun. 30, 2014 USD ($)
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs	$ 137,000
Net interest income	423,704	$ 416,284	$ 841,050	$ 832,754
Provision for loan losses	566	(54,416)	(928)	(55,026)
Net interest income after provision for loan losses	423,138	470,700	841,978	887,780
Other noninterest income	5,693	703	6,615	3,227
Noninterest expense	404,100	406,027	801,561	804,090
Income before income taxes	19,459	189,522	162,660	346,853
Income Tax Expense (Benefit)	5,499	69,972	56,675	126,093
Net income	$ 13,960	119,550	$ 105,985	220,760
Number of community/regional banks operating in distinct geographical areas | Banks	7		7
Zions Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 144,200	145,600	$ 285,300	288,100
Provision for loan losses	(8,400)	(15,400)	(13,000)	(24,100)
Net interest income after provision for loan losses	152,600	161,000	298,300	312,200
Other noninterest income	(6,600)	50,200	40,200	94,200
Noninterest expense	129,300	121,100	256,700	242,600
Income before income taxes	16,700	90,100	81,800	163,800
Income Tax Expense (Benefit)	4,600	33,200	28,000	60,000
Net income	12,100	56,900	53,800	103,800
Net Income (Loss) Attributable to Noncontrolling Interest	900	0	1,400	0
Net income (loss) applicable to controlling interest	11,200	56,900	52,400	103,800
Total assets	18,875,000	17,593,000	18,725,000	17,932,000
Average cash and due from banks	251,000	335,000	274,000	337,000
Average money market investments	2,970,000	2,679,000	2,969,000	3,110,000
Average Securities	2,794,000	1,747,000	2,632,000	1,672,000
Total loans	12,172,000	12,317,000	12,176,000	12,282,000
Total deposits	16,456,000	15,322,000	16,309,000	15,649,000
Preferred equity	280,000	280,000	280,000	280,000
Common equity	1,639,000	1,552,000	1,636,000	1,545,000
Noncontrolling interests	11,000	0	11,000	0
Total shareholders' equity	1,930,000	1,832,000	1,927,000	1,825,000
Amegy [Member]
Segment Reporting Information [Line Items]
Net interest income	95,000	95,400	191,700	190,100
Provision for loan losses	14,000	(7,500)	25,100	9,400
Net interest income after provision for loan losses	81,000	102,900	166,600	180,700
Other noninterest income	33,800	36,300	67,800	68,300
Noninterest expense	96,700	92,500	190,700	179,500
Income before income taxes	18,100	46,700	43,700	69,500
Income Tax Expense (Benefit)	5,200	15,900	13,700	23,200
Net income	12,900	30,800	30,000	46,300
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	12,900	30,800	30,000	46,300
Total assets	13,674,000	13,618,000	13,818,000	13,543,000
Average cash and due from banks	97,000	213,000	140,000	267,000
Average money market investments	1,980,000	2,435,000	2,013,000	2,469,000
Average Securities	281,000	260,000	283,000	251,000
Total loans	10,159,000	9,563,000	10,217,000	9,463,000
Total deposits	11,198,000	11,167,000	11,337,000	11,133,000
Preferred equity	226,000	227,000	226,000	190,000
Common equity	1,952,000	1,873,000	1,946,000	1,861,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	$ 2,178,000	2,100,000	$ 2,172,000	2,051,000
Number of branches | Branches	79		79
California Bank Trust [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 98,700	103,700	$ 194,400	212,900
Provision for loan losses	(3,500)	(12,900)	(7,600)	(15,000)
Net interest income after provision for loan losses	102,200	116,600	202,000	227,900
Other noninterest income	21,200	13,800	37,900	19,600
Noninterest expense	79,400	82,400	153,800	167,700
Income before income taxes	44,000	48,000	86,100	79,800
Income Tax Expense (Benefit)	17,200	19,000	33,600	31,100
Net income	26,800	29,000	52,500	48,700
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	26,800	29,000	52,500	48,700
Total assets	11,515,000	11,044,000	11,442,000	10,967,000
Average cash and due from banks	86,000	156,000	88,000	161,000
Average money market investments	1,776,000	1,252,000	1,718,000	1,191,000
Average Securities	425,000	237,000	381,000	282,000
Total loans	8,472,000	8,655,000	8,487,000	8,597,000
Total deposits	9,864,000	9,394,000	9,783,000	9,334,000
Preferred equity	162,000	162,000	162,000	162,000
Common equity	1,406,000	1,368,000	1,400,000	1,359,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	$ 1,568,000	1,530,000	$ 1,562,000	1,521,000
Number of branches | Branches	94		94
NBA [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 40,300	40,300	$ 79,300	80,600
Provision for loan losses	2,700	(8,000)	3,400	(11,000)
Net interest income after provision for loan losses	37,600	48,300	75,900	91,600
Other noninterest income	10,800	8,300	19,300	16,600
Noninterest expense	36,800	38,900	73,700	76,200
Income before income taxes	11,600	17,700	21,500	32,000
Income Tax Expense (Benefit)	4,000	6,600	7,400	11,800
Net income	7,600	11,100	14,100	20,200
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	7,600	11,100	14,100	20,200
Total assets	4,942,000	4,696,000	4,884,000	4,654,000
Average cash and due from banks	43,000	74,000	46,000	73,000
Average money market investments	402,000	412,000	399,000	351,000
Average Securities	450,000	371,000	431,000	368,000
Total loans	3,846,000	3,648,000	3,805,000	3,672,000
Total deposits	4,291,000	4,014,000	4,235,000	3,983,000
Preferred equity	85,000	98,000	85,000	109,000
Common equity	491,000	454,000	488,000	438,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	$ 576,000	552,000	$ 573,000	547,000
Number of branches | Branches	66		66
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 28,300	28,300	$ 56,300	56,200
Provision for loan losses	(3,000)	(5,700)	(11,700)	(8,300)
Net interest income after provision for loan losses	31,300	34,000	68,000	64,500
Other noninterest income	8,400	8,900	17,400	13,800
Noninterest expense	33,600	34,000	65,700	66,100
Income before income taxes	6,100	8,900	19,700	12,200
Income Tax Expense (Benefit)	2,000	3,000	6,600	4,000
Net income	4,100	5,900	13,100	8,200
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	4,100	5,900	13,100	8,200
Total assets	4,311,000	4,073,000	4,238,000	4,032,000
Average cash and due from banks	75,000	82,000	73,000	85,000
Average money market investments	885,000	764,000	810,000	732,000
Average Securities	858,000	787,000	849,000	784,000
Total loans	2,358,000	2,318,000	2,371,000	2,312,000
Total deposits	3,902,000	3,676,000	3,829,000	3,637,000
Preferred equity	50,000	50,000	50,000	50,000
Common equity	332,000	324,000	332,000	321,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	$ 382,000	374,000	$ 382,000	371,000
Number of branches | Branches	50		50
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 26,400	25,400	$ 52,100	50,700
Provision for loan losses	(400)	(4,500)	3,500	(6,300)
Net interest income after provision for loan losses	26,800	29,900	48,600	57,000
Other noninterest income	4,700	5,900	9,800	9,700
Noninterest expense	24,400	23,700	48,300	49,000
Income before income taxes	7,100	12,100	10,100	17,700
Income Tax Expense (Benefit)	2,400	4,300	3,100	6,100
Net income	4,700	7,800	7,000	11,600
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	4,700	7,800	7,000	11,600
Total assets	3,236,000	2,595,000	3,107,000	2,582,000
Average cash and due from banks	29,000	47,000	29,000	47,000
Average money market investments	522,000	20,000	431,000	17,000
Average Securities	225,000	158,000	208,000	161,000
Total loans	2,400,000	2,316,000	2,379,000	2,298,000
Total deposits	2,831,000	2,184,000	2,700,000	2,176,000
Preferred equity	25,000	42,000	25,000	56,000
Common equity	319,000	283,000	318,000	265,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	344,000	325,000	343,000	321,000
TCBW [Member]
Segment Reporting Information [Line Items]
Net interest income	7,700	8,000	15,100	15,700
Provision for loan losses	(800)	(400)	(600)	300
Net interest income after provision for loan losses	8,500	8,400	15,700	15,400
Other noninterest income	1,200	1,300	2,200	300
Noninterest expense	(1,500)	6,000	6,300	11,400
Income before income taxes	11,200	3,700	11,600	4,300
Income Tax Expense (Benefit)	3,900	1,300	4,000	1,500
Net income	7,300	2,400	7,600	2,800
Net Income (Loss) Attributable to Noncontrolling Interest	0	0	0	0
Net income (loss) applicable to controlling interest	7,300	2,400	7,600	2,800
Total assets	987,000	948,000	981,000	947,000
Average cash and due from banks	35,000	25,000	35,000	25,000
Average money market investments	142,000	104,000	135,000	113,000
Average Securities	79,000	82,000	80,000	87,000
Total loans	721,000	725,000	717,000	709,000
Total deposits	852,000	799,000	841,000	800,000
Preferred equity	3,000	3,000	3,000	3,000
Common equity	107,000	106,000	105,000	104,000
Noncontrolling interests	0	0	0	0
Total shareholders' equity	110,000	109,000	108,000	107,000
Other Segment [Member]
Segment Reporting Information [Line Items]
Net interest income	(16,900)	(30,400)	(33,100)	(61,500)
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	(16,900)	(30,400)	(33,100)	(61,500)
Other noninterest income	(73,100)	200	(72,400)	40,700
Noninterest expense	5,400	7,400	6,300	11,600
Income before income taxes	(95,400)	(37,600)	(111,800)	(32,400)
Income Tax Expense (Benefit)	(33,900)	(13,300)	(39,700)	(11,600)
Net income	(61,500)	(24,300)	(72,100)	(20,800)
Net Income (Loss) Attributable to Noncontrolling Interest	(900)	0	(1,400)	0
Net income (loss) applicable to controlling interest	(60,600)	(24,300)	(70,700)	(20,800)
Total assets	(62,000)	469,000	(46,000)	577,000
Average cash and due from banks	(25,000)	(13,000)	(18,000)	(17,000)
Average money market investments	(262,000)	(162,000)	(260,000)	(163,000)
Average Securities	134,000	381,000	152,000	465,000
Total loans	3,000	2,000	3,000	2,000
Total deposits	(1,269,000)	(1,097,000)	(1,228,000)	(1,093,000)
Preferred equity	173,000	142,000	173,000	154,000
Common equity	247,000	(215,000)	224,000	(223,000)
Noncontrolling interests	(11,000)	0	(11,000)	0
Total shareholders' equity	409,000	(73,000)	386,000	(69,000)
Consolidated Company [Member]
Segment Reporting Information [Line Items]
Net interest income			841,100	832,800
Provision for loan losses			(900)	(55,000)
Net interest income after provision for loan losses			842,000	887,800
Other noninterest income			122,200	263,200
Noninterest expense			801,500	804,100
Income before income taxes			162,700	346,900
Income Tax Expense (Benefit)			56,700	126,100
Net income			106,000	220,800
Net Income (Loss) Attributable to Noncontrolling Interest			0	0
Net income (loss) applicable to controlling interest			106,000	220,800
Total assets			57,149,000	55,234,000
Average cash and due from banks			667,000	978,000
Average money market investments			8,215,000	7,820,000
Average Securities			5,016,000	4,070,000
Total loans			40,155,000	39,335,000
Total deposits			47,806,000	45,619,000
Preferred equity			1,004,000	1,004,000
Common equity			6,449,000	5,670,000
Noncontrolling interests			0	0
Total shareholders' equity			$ 7,453,000	$ 6,674,000
Consolidated Entities [Member]
Segment Reporting Information [Line Items]
Net interest income	423,700	416,300
Provision for loan losses	600	(54,400)
Net interest income after provision for loan losses	423,100	470,700
Other noninterest income	400	124,900
Noninterest expense	404,100	406,000
Income before income taxes	19,400	189,600
Income Tax Expense (Benefit)	5,400	70,000
Net income	14,000	119,600
Net Income (Loss) Attributable to Noncontrolling Interest	0	0
Net income (loss) applicable to controlling interest	14,000	119,600
Total assets	57,478,000	55,036,000
Average cash and due from banks	591,000	919,000
Average money market investments	8,415,000	7,504,000
Average Securities	5,246,000	4,023,000
Total loans	40,131,000	39,544,000
Total deposits	48,125,000	45,459,000
Preferred equity	1,004,000	1,004,000
Common equity	6,493,000	5,745,000
Noncontrolling interests	0	0
Total shareholders' equity	$ 7,497,000	$ 6,749,000
Utah [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	101		101
Idaho [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	25		25
WYOMING | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1		1
Colorado [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	36		36
New Mexico [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1		1
WASHINGTON | TCBW [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1		1
OREGON | TCBW [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1		1
Other Segment [Member]
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs	$ 73,100
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs	600
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs	600
Zions Bank [Member]
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs	$ 62,500

XML

Fair Value Fair Value (Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3) (Details) - Constant Prepayment Rates [Domain] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Minimum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Until 2016 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Minimum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 1 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.30%	0.30%
Minimum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 2 to 5 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.50%	0.50%
Minimum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 6 to Maturity [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.60%	0.60%
Maximum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Until 2016 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Maximum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 1 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.50%	0.80%
Maximum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 2 to 5 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.70%	0.90%
Maximum [Member] | Trust Preferred Predominantly Banks [Member] | Constant Default Rate Year 6 to Maturity [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption For Fair Value Of Assets Or Liabilities Constant Default Rate	0.70%	0.70%
Asset-Backed Securities [Member] | Trust Preferred Predominantly Banks [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Static Pool Losses	100.00%	100.00%
Level 3 [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Investments, Fair Value Disclosure	$ 0	$ 401,957
Level 3 [Member] | Trust Preferred Predominantly Banks [Member] | Asset-Backed Securities [Member]
Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3 [Line Items]
Investments, Fair Value Disclosure		$ 393,007

XML

Investment Securities (Tables)

6 Months Ended

Jun. 30, 2015

Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]

Summary Of Investment Securities

	June 30, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	570,869	$	9,584	$	2,126	$	578,327
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	661,118		1,214		11,875		650,457
Agency guaranteed mortgage-backed securities	2,001,120		9,741		9,281		2,001,580
Small Business Administration loan-backed securities	1,653,333		16,828		7,931		1,662,230
Municipal securities	202,372		796		511		202,657
Other debt securities	25,519		219		1,923		23,815
	4,543,462		28,798		31,521		4,540,739
Money market mutual funds and other	111,608		68		—		111,676
	4,655,070		28,866		31,521		4,652,415
Total	$	5,225,939	$	38,450	$	33,647	$	5,230,742

	December 31, 2014
			Recognized in OCI 1						Not recognized in OCI
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Carrying value		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	607,675	$	—	$	—	$	607,675	$	13,018	$	804	$	619,889
Asset-backed securities:
Trust preferred securities – banks and insurance	79,276		—		39,699		39,577		18,393		663		57,307
	686,951		—		39,699		647,252		31,411		1,467		677,196
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	607,523		1,572		8,343		600,752						600,752
Agency guaranteed mortgage-backed securities	935,164		12,132		2,105		945,191						945,191
Small Business Administration loan-backed securities	1,544,710		16,446		8,891		1,552,265						1,552,265
Municipal securities	189,059		1,143		945		189,257						189,257
Asset-backed securities:
Trust preferred securities – banks and insurance	537,589		103		121,984		415,708						415,708
Other	5,252		207		7		5,452						5,452
	3,819,297		31,603		142,275		3,708,625						3,708,625
Money market mutual funds and other	136,591		76		1,044		135,623						135,623
	3,955,888		31,679		143,319		3,844,248						3,844,248
Total	$	4,642,839	$	31,679	$	183,018	$	4,491,500					$	4,521,444

¹  Other comprehensive income

Contractual Maturities Debt Securities

	Held-to-maturity				Available-for-sale
(In thousands)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Principal return in one year or less	$	89,799	$	90,840	$	686,832	$	687,548
Principal return after one year through five years	183,910		186,348		1,901,910		1,902,874
Principal return after five years through ten years	155,474		159,795		1,419,932		1,418,243
Principal return after ten years	141,686		141,344		534,788		532,074
	$	570,869	$	578,327	$	4,543,462	$	4,540,739

Summary Of Amount Of Gross Unrealized Losses For Debt Securities And Estimated Fair Value

	December 31, 2014
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	527	$	62,762	$	277	$	14,003	$	804	$	76,765
Asset-backed securities:
Trust preferred securities – banks and insurance	53		122		40,309		57,186		40,362		57,308
	580		62,884		40,586		71,189		41,166		134,073
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	4,510		295,694		3,833		101,188		8,343		396,882
Agency guaranteed mortgage-backed securities	1,914		425,114		191		12,124		2,105		437,238
Small Business Administration loan-backed securities	5,869		495,817		3,022		175,523		8,891		671,340
Municipal securities	258		36,551		687		4,616		945		41,167
Asset-backed securities:
Trust preferred securities – banks and insurance	—		—		121,984		405,605		121,984		405,605
Other	7		1,607		—		—		7		1,607
	12,558		1,254,783		129,717		699,056		142,275		1,953,839
Money market mutual funds and other	1,044		71,907		—		—		1,044		71,907
	13,602		1,326,690		129,717		699,056		143,319		2,025,746
Total	$	14,182	$	1,389,574	$	170,303	$	770,245	$	184,485	$	2,159,819

The following is a summary of the amount of gross unrealized losses for investment securities and the estimated fair value by length of time the securities have been in an unrealized loss position:
	June 30, 2015
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	2,036	$	150,067	$	90	$	3,818	$	2,126	$	153,885
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	5,823		162,727		6,052		291,372		11,875		454,099
Agency guaranteed mortgage-backed securities	8,960		1,497,852		321		19,035		9,281		1,516,887
Small Business Administration loan-backed securities	3,622		347,566		4,309		330,790		7,931		678,356
Municipal securities	492		57,736		19		1,627		511		59,363
Other debt securities	—		—		1,923		13,080		1,923		13,080
	18,897		2,065,881		12,624		655,904		31,521		2,721,785
Total	$	20,933	$	2,215,948	$	12,714	$	659,722	$	33,647	$	2,875,670

Rollforward Of Total Amount Of Credit-Related OTTI

(In thousands)	Three Months Ended June 30, 2015								Six Months Ended June 30, 2015
	HTM		AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	(103,238	)	$	(103,238	)	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		103,238			103,238			—			104,551			104,551
Reclassification of securities from HTM to AFS	—		—			—			9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—		$	—		$	—		$	—		$	—

(In thousands)	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	HTM			AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,052	)	$	(176,833	)	$	(185,885	)
Additions recognized in earnings during the period:
Additional credit-related OTTI on securities previously impaired	—			—			—			(27		)	—			(27		)
Reductions for securities sold or paid off during the period	—			—			—			—			12,919			12,919
Balance of credit-related OTTI at end of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,079	)	$	(163,914	)	$	(172,993	)

Gains And Losses, Including OTTI, Recognized In Statement Of Income

	Three Months Ended									Six Months Ended
	June 30, 2015					June 30, 2014				June 30, 2015					June 30, 2014
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses		Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	—	$	—	$	1	$	—		$	—	$	27
Available-for-sale	7,402		146,315			5,032		1,238		8,360		147,513			77,593		42,885
Other noninterest-bearing investments	6,008		692			3,745		—		9,603		934			4,657		—
	13,410		147,007			8,777		1,238		17,964		148,447			82,250		42,912
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338
Statement of income information:
Net impairment losses on investment securities			$	—				$	—			$	—				$	(27	)
Equity securities gains, net			4,839					2,513				8,192					3,425
Fixed income securities gains (losses), net			(138,436		)			5,026				(138,675		)			35,940
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338

Tax and Nontaxable Interest Income by Investment Type [Table Text Block]

(In thousands)	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	3,093	$	2,774	$	5,867	$	6,685	$	5,636	$	12,321
Available-for-sale	21,637		695		22,332		41,405		1,348		42,753
Trading	610		—		610		1,208		—		1,208
	$	25,340	$	3,469	$	28,809	$	49,298	$	6,984	$	56,282

XML

Loans And Allowance For Credit Losses (Summary Of Past Due Loans (Accruing And Nonaccruing)) (Details) - Financing Receivables, Period Past Due [Domain] - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2,186	$ 837	$ 3,145	$ 1,054	$ 88,700	$ 141,300
Financing Receivable, Recorded Investment, Current		39,725,111		39,725,111				$ 39,796,072
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		144,995		144,995				104,491
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		153,878		153,878				163,095
Total past due		298,873		298,873				267,586
Total loans		40,023,984		40,023,984				40,063,658
Accruing loans 90+ days past due		27,204		27,204				29,228
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	226,116		226,116				154,778
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		21,378,666		21,378,666				21,444,364
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Financing Receivable, Recorded Investment, Nonaccrual Status		255,221		255,221				194,185
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Financing Receivable, Recorded Investment, Nonaccrual Status		20,184		20,184				23,880
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		8,525,317		8,525,317				8,506,286
Financing Receivable, Recorded Investment, Nonaccrual Status		270		270				254
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	132	107	349
Financing Receivable, Recorded Investment, Nonaccrual Status		53,960		53,960				63,476
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		164,700		164,700				105,591
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		173		173				295
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Financing Receivable, Recorded Investment, Nonaccrual Status		89,356		89,356				87,243
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		992		992				1,056
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Financing Receivable, Recorded Investment, Nonaccrual Status		43,465		43,465				25,107
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Total loans		10,120,001		10,120,001				10,113,008
Financing Receivable, Recorded Investment, Nonaccrual Status		63,649		63,649				48,987
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Financing Receivable, Recorded Investment, Nonaccrual Status		9,057		9,057				11,430
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	49	107	49
Financing Receivable, Recorded Investment, Nonaccrual Status		42,905		42,905				49,861
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Financing Receivable, Recorded Investment, Nonaccrual Status		1,129		1,129				1,735
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		599		599				$ 196
Accruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Nonaccruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186	827	3,145	1,044
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	122	107	339
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Nonaccruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	39	107	39
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 0	$ 83	$ 0	$ 83

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

XML

Investment Securities (Rollforward Of Total Amount Of Credit-Related OTTI) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Investment [Line Items]
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Additions, Additional Credit Losses		$ 0		$ (27)
Balance of credit-related OTTI at beginning of period	$ (103,238)	(172,993)	$ 104,551	185,885
Reductions for securities sold during the period	103,238	0	104,551	12,919
Balance of credit-related OTTI at end of period	0	(172,993)	0	(172,993)
Transfer of Securities from HTM to AFS	0		0
Held-to-maturity Securities [Member]
Investment [Line Items]
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Additions, Additional Credit Losses		0		(27)
Balance of credit-related OTTI at beginning of period	0	(9,079)	9,079	9,052
Reductions for securities sold during the period	0	0	0	0
Balance of credit-related OTTI at end of period	0	(9,079)	0	(9,079)
Transfer of Securities from HTM to AFS	0		9,079
Available-for-sale Securities [Member]
Investment [Line Items]
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Additions, Additional Credit Losses		0		0
Balance of credit-related OTTI at beginning of period	(103,238)	(163,914)	95,472	176,833
Reductions for securities sold during the period	103,238	0	104,551	12,919
Balance of credit-related OTTI at end of period	0	$ (163,914)	0	$ (163,914)
Transfer of Securities from HTM to AFS	$ 0		$ (9,079)

XML

Commitments, Guarantees, And Contingent Liabilities (Schedule Of Guarantees Issued) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unused Commitments to Extend Credit	$ 16,678,282	$ 16,658,757
Commercial Letters Of Credit	37,674	32,144
Total Unfunded Lending Commitments	17,587,359	17,620,278
Financial [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	677,693	745,895
Performance [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 193,710	$ 183,482

XML

Offsetting Assets and Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Federal Funds Sold and Securities Borrowed or Purchased under Agreements to Resell [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	$ 1,404,246	$ 1,386,291
Gross amounts recognized	1,704,246	1,386,291
Gross amounts offset in the balance sheet	(300,000)	0
Net amounts presented in the balance sheet	1,404,246	1,386,291
Gross amounts not offset in the balance sheet	0	0
Cash Collateral Received/Pledged	0	0
Derivative Financial Instruments, Assets [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	57,738	62,665
Gross amounts recognized	63,962	66,420
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	63,962	66,420
Gross amounts not offset in the balance sheet	(6,224)	$ (3,755)
Cash Collateral Received/Pledged	0
Assets, Total [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	1,461,984	$ 1,448,956
Gross amounts recognized	1,768,208	1,452,711
Gross amounts offset in the balance sheet	(300,000)	0
Net amounts presented in the balance sheet	1,468,208	1,452,711
Gross amounts not offset in the balance sheet	(6,224)	(3,755)
Cash Collateral Received/Pledged	0	0
Federal Funds Purchased and Securities Sold under Agreements to Repurchase [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	227,124	244,223
Gross amounts recognized	527,124	244,223
Gross amounts offset in the balance sheet	(300,000)	0
Net amounts presented in the balance sheet	227,124	244,223
Gross amounts not offset in the balance sheet	0	0
Cash Collateral Received/Pledged	0	0
Derivative Financial Instruments, Liabilities [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	26,930	30,341
Gross amounts recognized	60,245	66,064
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	60,245	66,064
Gross amounts not offset in the balance sheet	(6,224)	(3,755)
Cash Collateral Received/Pledged	(27,091)	(31,968)
Liabilities, Total [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	254,054	274,564
Gross amounts recognized	587,369	310,287
Gross amounts offset in the balance sheet	(300,000)	0
Net amounts presented in the balance sheet	287,369	310,287
Gross amounts not offset in the balance sheet	(6,224)	(3,755)
Cash Collateral Received/Pledged	$ (27,091)	$ (31,968)

XML

Loans And Allowance For Credit Losses (Summary Of Information On Impaired Loans) (Details) - Financial Receivables [Domain] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	$ 2,348,327		$ 2,348,327		$ 2,321,150
Unpaid principal balance	720,841		720,841		777,333
Recorded investment	606,481		606,481		628,728
Impaired Financing Receivable, Related Allowance	50,166		50,166		42,354
Average recorded investment	602,095	$ 863,084	578,481	$ 877,419
Interest income recognized	13,911	18,098	25,982	44,419
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	212,734		212,734		185,520
Recorded investment	181,867		181,867		146,822
Impaired Financing Receivable, Related Allowance	31,670		31,670		22,852
Average recorded investment	174,911	194,683	155,584	188,136
Interest income recognized	2,831	4,212	4,255	6,802
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	164,116		164,116		198,231
Recorded investment	143,730		143,730		169,561
Impaired Financing Receivable, Related Allowance	4,804		4,804		6,087
Average recorded investment	144,613	232,662	142,817	236,250
Interest income recognized	3,186	4,532	6,970	9,286
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	1,471		1,471		1,535
Recorded investment	992		992		1,056
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	1,008	9,270	1,021	9,615
Interest income recognized	0	0	0	0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	378,321		378,321		385,286
Recorded investment	326,589		326,589		317,439
Impaired Financing Receivable, Related Allowance	36,474		36,474		28,939
Average recorded investment	320,532	436,615	299,422	434,001
Interest income recognized	6,017	8,744	11,225	16,088
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	50,251		50,251		60,993
Recorded investment	33,879		33,879		43,477
Impaired Financing Receivable, Related Allowance	973		973		1,773
Average recorded investment	35,562	61,957	36,215	64,265
Interest income recognized	1,628	1,394	2,177	4,932
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	174,299		174,299		203,788
Recorded investment	146,067		146,067		160,091
Impaired Financing Receivable, Related Allowance	2,127		2,127		2,345
Average recorded investment	144,054	245,827	142,439	260,749
Interest income recognized	5,063	6,618	10,038	20,568
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	224,550		224,550		264,781
Recorded investment	179,946		179,946		203,568
Impaired Financing Receivable, Related Allowance	3,100		3,100		4,118
Average recorded investment	179,616	307,784	178,654	325,014
Interest income recognized	6,691	8,012	12,215	25,500
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	29,015		29,015		30,209
Recorded investment	25,751		25,751		26,681
Impaired Financing Receivable, Related Allowance	497		497		437
Average recorded investment	25,400	25,854	24,948	25,470
Interest income recognized	416	372	821	774
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	2,348,327		2,348,327		2,321,150
Unpaid principal balance	4,673		4,673		6,580
Recorded investment	3,751		3,751		5,254
Impaired Financing Receivable, Related Allowance	173		173		133
Average recorded investment	4,176	7,314	4,463	7,854
Interest income recognized	230	421	516	930
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	81,050		81,050		86,575
Recorded investment	68,105		68,105		72,927
Impaired Financing Receivable, Related Allowance	9,732		9,732		8,494
Average recorded investment	69,874	82,353	68,464	81,909
Interest income recognized	534	512	1,041	1,052
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	3,232		3,232		3,902
Recorded investment	2,339		2,339		2,859
Impaired Financing Receivable, Related Allowance	190		190		233
Average recorded investment	2,497	3,164	2,529	3,166
Interest income recognized	22	36	64	74
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	0		0		0
Recorded investment	0		0		0
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	0	0	1	5
Interest income recognized	1	1	100	1
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	117,970		117,970		127,266
Recorded investment	99,946		99,946		107,721
Impaired Financing Receivable, Related Allowance	10,592		10,592		9,297
Average recorded investment	101,947	118,685	100,405	118,404
Interest income recognized	1,203	$ 1,342	2,542	$ 2,831
Impaired Financing Receivable Related Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	321,780		321,780		335,042
Impaired Financing Receivable Related Allowance [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	142,328		142,328		103,565
Impaired Financing Receivable Related Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	53,931		53,931		86,382
Impaired Financing Receivable Related Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	0		0		0
Impaired Financing Receivable Related Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	196,259		196,259		189,947
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	24,579		24,579		26,977
Impaired Financing Receivable Related Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	46,443		46,443		63,740
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	71,022		71,022		90,717
Impaired Financing Receivable Related Allowance [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	10,361		10,361		11,883
Impaired Financing Receivable Related Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	3,751		3,751		5,254
Impaired Financing Receivable Related Allowance [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	39,264		39,264		35,831
Impaired Financing Receivable Related Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	1,123		1,123		1,410
Impaired Financing Receivable Related Allowance [Member] | Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	0		0		0
Impaired Financing Receivable Related Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	54,499		54,499		54,378
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	284,701		284,701		293,686
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	39,539		39,539		43,257
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	89,799		89,799		83,179
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	992		992		1,056
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	130,330		130,330		127,492
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	9,300		9,300		16,500
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	99,624		99,624		96,351
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	108,924		108,924		112,851
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	15,390		15,390		14,798
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	0		0		0
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	28,841		28,841		37,096
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	1,216		1,216		1,449
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	0		0		0
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	$ 45,447		$ 45,447		$ 53,343

XML

Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account	$ 74,519	$ 70,601
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	4,549,055	3,336,943
Trading account	74,519	70,601
Total assets	5,151,101	3,933,629
Securities sold, not yet purchased	0	0
Total liabilities	45,996	50,966
Level 2 [Member] | Mutual Funds And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	8,316	30,275
Level 2 [Member] | Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	$ 479,596	$ 476,290
Level 2 [Member] | Private Equity [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments
Level 2 [Member] | Available-for-sale Securities [Member] | U.S. Treasury, Agencies And Corporations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	$ 4,314,267	$ 3,098,208
Level 2 [Member] | Available-for-sale Securities [Member] | Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	202,657	185,093
Level 2 [Member] | Available-for-sale Securities [Member] | Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	23,815
Level 2 [Member] | Asset-Backed Securities [Member] | Banks, Trust and Insurance, Equities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		22,701
Level 2 [Member] | Asset-Backed Securities [Member] | Other (Including ABS CDOs) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		666
Level 2 [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	47,931	49,795
Other Liabilities, Fair Value Disclosure	45,996	50,966
Level 2 [Member] | Derivatives [Member] | Interest Rate Related And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	3,963	1,508
Other Liabilities, Fair Value Disclosure	398	297
Level 2 [Member] | Derivatives [Member] | Interest Rate Swaps [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	43,968	48,287
Other Liabilities, Fair Value Disclosure	45,598	50,669
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	401,957
Total assets	123,617	514,049
Securities sold, not yet purchased	0	0
Other Liabilities, Fair Value Disclosure		13
Total liabilities	0	13
Level 3 [Member] | Private Equity [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	110,115	99,865
Level 3 [Member] | Interest-Only-Strip [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	13,502	12,227
Level 3 [Member] | Available-for-sale Securities [Member] | U.S. Treasury, Agencies And Corporations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	$ 0	0
Level 3 [Member] | Available-for-sale Securities [Member] | Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		4,164
Level 3 [Member] | Asset-Backed Securities [Member] | Banks, Trust and Insurance, Equities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		393,007
Level 3 [Member] | Asset-Backed Securities [Member] | Auction Rate Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		4,761
Level 3 [Member] | Asset-Backed Securities [Member] | Other (Including ABS CDOs) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		25
Level 3 [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	$ 0	0
Other Liabilities, Fair Value Disclosure	0	0
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	4,652,415	3,844,248
Trading account	74,519	70,601
Total assets	5,484,422	4,658,529
Securities sold, not yet purchased	11,397	24,230
Other Liabilities, Fair Value Disclosure		13
Total liabilities	161,371	179,359
Estimate of Fair Value Measurement [Member] | Mutual Funds And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	111,676	135,623
Estimate of Fair Value Measurement [Member] | Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	479,596	476,290
Estimate of Fair Value Measurement [Member] | Private Equity [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	110,115	99,865
Estimate of Fair Value Measurement [Member] | Interest-Only-Strip [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	13,502	12,227
Estimate of Fair Value Measurement [Member] | Available-for-sale Securities [Member] | U.S. Treasury, Agencies And Corporations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	4,314,267	3,098,208
Estimate of Fair Value Measurement [Member] | Available-for-sale Securities [Member] | Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	202,657	189,257
Estimate of Fair Value Measurement [Member] | Available-for-sale Securities [Member] | Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	23,815
Estimate of Fair Value Measurement [Member] | Asset-Backed Securities [Member] | Banks, Trust and Insurance, Equities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		415,708
Estimate of Fair Value Measurement [Member] | Asset-Backed Securities [Member] | Auction Rate Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		4,761
Estimate of Fair Value Measurement [Member] | Asset-Backed Securities [Member] | Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure		691
Estimate of Fair Value Measurement [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	64,546	66,420
Other Liabilities, Fair Value Disclosure	60,245	66,238
Estimate of Fair Value Measurement [Member] | Derivatives [Member] | Interest Rate Related And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	3,963	1,508
Other Liabilities, Fair Value Disclosure	398	297
Estimate of Fair Value Measurement [Member] | Derivatives [Member] | Interest Rate Swaps [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	43,968	48,287
Other Liabilities, Fair Value Disclosure	45,598	50,669
Estimate of Fair Value Measurement [Member] | Derivatives [Member] | Foreign Currency Exchange Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	16,615	16,625
Other Liabilities, Fair Value Disclosure	14,249	15,272
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	103,360	105,348
Total assets	209,704	210,851
Securities sold, not yet purchased	11,397	24,230
Total liabilities	115,375	128,380
Fair Value, Inputs, Level 1 [Member] | Mutual Funds And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	103,360	105,348
Fair Value, Inputs, Level 1 [Member] | Available-for-sale Securities [Member] | U.S. Treasury, Agencies And Corporations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	16,615	16,625
Other Liabilities, Fair Value Disclosure	14,249	15,272
Fair Value, Inputs, Level 1 [Member] | Derivatives [Member] | Foreign Currency Exchange Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	16,615	16,625
Other Liabilities, Fair Value Disclosure	$ 14,249	$ 15,272

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Debt And Shareholders' Equity (Schedule Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax			$ 58,778	$ 44,082
Interest income expense, net, after tax	$ (1,100)	$ 104,490	74,179	180,680
Income Tax Expense (Benefit)	5,499	69,972	56,675	126,093
Interest Income (Expense), Net	423,704	416,284	841,050	832,754
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net	0	0	0	27
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			8,439	83,190
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			84,430	(27,926)
Beginning balance			(128,041)	(192,101)
Other comprehensive income (loss)	79,737	8,625	92,869	55,264
Ending balance	(35,172)	(136,837)	(35,172)	(136,837)
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax			1,867	151
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Tax			0	0
Other Comprehensive Income (Loss), Tax			60,645	44,233
Accumulated Net Unrealized Investment Gain (Loss) [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			4,131	82,458
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			85,812	(27,368)
Beginning balance			(91,921)	(168,805)
Other comprehensive income (loss)			89,943	55,090
Ending balance	(1,978)	(113,715)	(1,978)	(113,715)
Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			4,308	732
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			(1,382)	(558)
Beginning balance			2,226	1,556
Other comprehensive income (loss)			2,926	174
Ending balance	5,152	1,730	5,152	1,730
Accumulated Defined Benefit Plans Adjustment [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			0	0
Beginning balance			(38,346)	(24,852)
Other comprehensive income (loss)			0	0
Ending balance	(38,346)	(24,852)	(38,346)	(24,852)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Unrealized Investment Gain (Loss) [Member]
Debt And Shareholders' Equity [Line Items]
Gain (Loss) on Investments, Excluding Other than Temporary Impairments	(138,436)	5,026	(138,675)	35,940
Interest income expense, net, after tax	0	0	0	(17)
Income Tax Expense (Benefit)	0	0	0	(10)
Other than temporary impairment losses investments accretion of noncreidt portion held to maturity securities, after tax	(85,664)	2,831	(85,812)	27,368
Other than temporary impairment losses investments accretion of noncredit portion held to maturity securities, tax	0	189	0	385
Other than Temporary Impairment Losses, Investments, Accretion of Noncredit Portion, Held-to-maturity Securities, before Tax	0	(462)	0	(944)
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net	0	0	0	(27)
Interest Rate Contract [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]
Debt And Shareholders' Equity [Line Items]
Interest income expense, net, after tax	753	348	1,382	558
Income Tax Expense (Benefit)	465	229	852	370
Interest Income (Expense), Net	1,218	577	2,234	928
Fixed income securities gain loss [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Unrealized Investment Gain (Loss) [Member]
Debt And Shareholders' Equity [Line Items]
Interest income expense, net, after tax	(85,664)	3,104	(85,812)	27,944
Income Tax Expense (Benefit)	$ (52,772)	$ 1,922	$ (52,863)	$ 7,996

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Loans And Allowance For Credit Losses (Summary Of Changes In The Allowance For Credit Losses) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	$ (566,000)	$ 54,416,000	$ 928,000	$ 55,026,000
Change In Allowance Covered By F D I C Indemnification	38,000	(444,000)	0	(1,261,000)
Allowance for Loan and Lease Losses, Write-offs	(31,048,000)	(23,400,000)	(51,236,000)	(44,195,000)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	620,013,000	736,953,000	604,663,000	746,291,000
Net loan and lease charge-offs	(11,242,000)	(6,186,000)	5,640,000	(14,097,000)
Balance at end of period	79,961,000	95,472,000	79,961,000	95,472,000
Allowance for loan losses	620,013,000	736,953,000	604,663,000	746,291,000	$ 609,375,000	$ 620,013,000	$ 604,663,000	$ 675,907,000	$ 736,953,000	$ 746,291,000
Reserve for unfunded lending commitments	79,961,000	95,472,000	79,961,000	95,472,000	79,961,000	82,287,000	81,076,000	95,472,000	88,693,000	89,705,000
Total allowance for credit losses					689,336,000			771,379,000
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	19,806,000	17,214,000	56,876,000	30,098,000
Provision for Unfunded Lending Commitments	(2,326,000)	6,779,000	(1,115,000)	5,767,000
Balance at end of period	609,375,000	675,907,000	609,375,000	675,907,000
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(5,941,000)	29,574,000	(30,875,000)	18,314,000
Change In Allowance Covered By F D I C Indemnification	(19,000)	(384,000)	(57,000)	(1,165,000)
Allowance for Loan and Lease Losses, Write-offs	(23,822,000)	(16,023,000)	(39,773,000)	(25,819,000)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	442,072,000	477,701,000	412,514,000	469,213,000
Net loan and lease charge-offs	(10,224,000)	(4,778,000)	(5,562,000)	(6,769,000)
Balance at end of period	60,774,000	52,801,000	60,774,000	52,801,000
Allowance for loan losses	442,072,000	477,701,000	412,514,000	469,213,000	437,770,000	442,072,000	412,514,000	442,965,000	477,701,000	469,213,000
Reserve for unfunded lending commitments	60,774,000	52,801,000	60,774,000	52,801,000	60,774,000	62,775,000	58,931,000	52,801,000	49,870,000	48,345,000
Total allowance for credit losses					498,544,000			495,766,000
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	13,598,000	11,245,000	34,211,000	19,050,000
Provision for Unfunded Lending Commitments	2,001,000	2,931,000	(1,843,000)	(4,456,000)
Balance at end of period	437,770,000	442,965,000	437,770,000	442,965,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(4,983,000)	20,272,000	31,870,000	23,163,000
Change In Allowance Covered By F D I C Indemnification	57,000	0	57,000	0
Allowance for Loan and Lease Losses, Write-offs	(3,943,000)	(2,961,000)	(4,569,000)	(10,815,000)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	131,615,000	208,149,000	145,009,000	216,012,000
Net loan and lease charge-offs	(893,000)	63,000	12,600,000	(4,909,000)
Balance at end of period	18,639,000	38,689,000	18,639,000	38,689,000
Allowance for loan losses	131,615,000	208,149,000	145,009,000	216,012,000	125,796,000	131,615,000	145,009,000	187,940,000	208,149,000	216,012,000
Reserve for unfunded lending commitments	18,639,000	38,689,000	18,639,000	38,689,000	18,639,000	18,937,000	21,517,000	38,689,000	35,273,000	37,485,000
Total allowance for credit losses					144,435,000			226,629,000
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3,050,000	3,024,000	17,169,000	5,906,000
Provision for Unfunded Lending Commitments	(298,000)	3,416,000	2,878,000	(1,204,000)
Balance at end of period	125,796,000	187,940,000	125,796,000	187,940,000
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	$ 392,000	4,570,000	(67,000)	13,549,000
Change In Allowance Covered By F D I C Indemnification		(60,000)	0	(96,000)
Allowance for Loan and Lease Losses, Write-offs	$ (3,283,000)	(4,416,000)	(6,894,000)	(7,561,000)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	46,326,000	51,103,000	47,140,000	61,066,000
Net loan and lease charge-offs	(125,000)	(1,471,000)	(1,398,000)	(2,419,000)
Balance at end of period	548,000	3,982,000	548,000	3,982,000
Allowance for loan losses	46,326,000	51,103,000	47,140,000	61,066,000	45,809,000	46,326,000	47,140,000	45,002,000	51,103,000	61,066,000
Reserve for unfunded lending commitments	548,000	3,982,000	548,000	3,982,000	548,000	$ 575,000	$ 628,000	3,982,000	$ 3,550,000	$ 3,875,000
Total allowance for credit losses					$ 46,357,000			$ 48,984,000
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3,158,000	2,945,000	5,496,000	5,142,000
Provision for Unfunded Lending Commitments	(27,000)	432,000	80,000	(107,000)
Balance at end of period	$ 45,809,000	$ 45,002,000	$ 45,809,000	$ 45,002,000

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Basis of Presentaion

6 Months Ended

Jun. 30, 2015

Basis Of Presentation [Abstract]

Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]

BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation (“the Parent”) and its majority-owned subsidiaries (collectively “the Company,” “Zions,” “we,” “our,” “us”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”) and to Accounting Standards Updates (“ASU”), which include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”). Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income.

Operating results for the three and six months endedJune 30, 2015 and 2014 are not necessarily indicative of the results that may be expected in future periods. The consolidated balance sheet at December 31, 2014 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s 2014 Annual Report on Form 10-K.

The Company provides a full range of banking and related services through subsidiary banks in 11 Western and Southwestern states as follows: Zions First National Bank (“Zions Bank”), in Utah, Idaho and Wyoming; Amegy Corporation (“Amegy”) and its subsidiary, Amegy Bank, in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”), in Washington and Oregon. Effective April 1, 2015, The Commerce Bank of Oregon (“TCBO”) was merged into TCBW. The Parent and its subsidiary banks also own and operate certain nonbank subsidiaries that engage in financial services. On June 1, 2015, the Company announced certain efficiency and restructuring initiatives that included, among other things, the consolidation of its seven bank charters into one bank charter. This change is subject to regulatory approval and is currently expected to be completed within the next 6 to 12 months.

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Debt And Shareholders' Equity Schedule of Long-Term Debt Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Junior Subordinated Notes	$ 164,950	$ 168,043
Convertible Subordinated Debt	143,964	132,838
Subordinated Debt	334,888	335,798
Senior Notes	406,149	432,385
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances	0	22,156
Capital Lease Obligations	987	1,062
Long-term Debt, Gross	$ 1,050,938	$ 1,092,282

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Investment Securities (Gains And Losses, Including OTTI, Recognized In Statement Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Investments [Abstract]
Investment securities, Held-to-maturity, Gross gains	$ 0	$ 0	$ 1	$ 0
Other than Temporary Impairment Losses, Investments, Held-to-maturity Securities	0	0	0	27
Investment securities, Available-for-sale, Gross gains	7,402	5,032	8,360	77,593
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	146,315	1,238	147,513	42,885
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	6,008	3,745	9,603	4,657
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	692	0	934	0
Total investment securities and other noninterest-bearing investments, Gross gains	13,410	8,777	17,964	82,250
Total investment securities and other noninterest-bearing investments, Gross losses	147,007	1,238	148,447	42,912
Net losses	(133,597)	7,539	(130,483)	39,338
Net impairment losses on investment securities	0	0	0	(27)
Equity securities gains (losses)	4,839	2,513	8,192	3,425
Fixed income securities gains (losses), net	$ (138,436)	$ 5,026	$ (138,675)	$ 35,940

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Debt And Shareholders' Equity Schedule of Subordinated Notes (Tables)

6 Months Ended

Jun. 30, 2015

Subordinated Borrowing [Line Items]

Schedule of Subordinated Borrowing [Table Text Block]

	Coupon rate	Carrying value
(In thousands)		June 30, 2015		Maturity
Convertible subordinated note	6.00%	$	76,523	September 15, 2015
Subordinated note	6.00%	32,520		September 15, 2015
Convertible subordinated note	5.50%	67,441		November 16, 2015
Subordinated note	5.50%	52,477		November 16, 2015
		$	228,961

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Debt And Shareholders' Equity (Tables)

6 Months Ended

Jun. 30, 2015

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Minimum and Maximum Interest Rate on debt repayment [Table Text Block]

Interest rate	Minimum interest rate	Maximum interest rate
Minimum and maximum Interest rates on long-term senior debt redemptions during 1st and 2nd quarters

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In thousands)	June 30, 2015		December 31, 2014
Junior subordinated debentures related to trust preferred securities	$	164,950	$	168,043
Convertible subordinated notes	143,964		132,838
Subordinated notes	334,888		335,798
Senior notes	406,149		432,385
FHLB advances	—		22,156
Capital lease obligations	987		1,062
Total	$	1,050,938	$	1,092,282

Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]

	Amounts reclassified from AOCI 1												Statement of income (SI) Balance sheet (BS)
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
Details about AOCI components	2015			2014			2015			2014				Affected line item
Net realized gains (losses) on investment securities	$	(138,436	)	$	5,026		$	(138,675	)	$	35,940		SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	(52,772		)	1,922			(52,863		)	7,996
	(85,664		)	3,104			(85,812		)	27,944
Net unrealized losses on investment securities	—			—			—			(27		)	SI	Net impairment losses on investment securities
Income tax benefit	—			—			—			(10		)
	—			—			—			(17		)
Accretion of securities with noncredit-related impairment losses not expected to be sold	—			(462		)	—			(944		)	BS	Investment securities, held-to-maturity
Deferred income taxes	—			189			—			385			BS	Other assets
	$	(85,664	)	$	2,831		$	(85,812	)	$	27,368
Net unrealized gains on derivative instruments	$	1,218		$	577		$	2,234		$	928		SI	Interest and fees on loans
Income tax expense	465			229			852			370
	$	753		$	348		$	1,382		$	558

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets. The opposite applies to positive reclassification amounts.

Schedule Of Changes In Accumulated Other Comprehensive Income (Loss)

(In thousands)	Net unrealized gains (losses) on investment securities				Net unrealized gains (losses) on derivatives and other				Pension and post-retirement			Total
Six Months Ended June 30, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		4,131				4,308			—			8,439
Amounts reclassified from AOCI, net of tax		85,812				(1,382		)	—			84,430
Other comprehensive income		89,943				2,926			—			92,869
Balance at June 30, 2015		$	(1,978	)		$	5,152		$	(38,346	)	$	(35,172	)
Income tax expense included in other comprehensive income		$	58,778			$	1,867		$	—		$	60,645
Six Months Ended June 30, 2014
Balance at December 31, 2013		$	(168,805	)		$	1,556		$	(24,852	)	$	(192,101	)
Other comprehensive income before reclassifications, net of tax		82,458				732			—			83,190
Amounts reclassified from AOCI, net of tax		(27,368		)		(558		)	—			(27,926		)
Other comprehensive income (loss)		55,090				174			—			55,264
Balance at June 30, 2014		$	(113,715	)		$	1,730		$	(24,852	)	$	(136,837	)
Income tax expense (benefit) included in other comprehensive income (loss)		$	44,082			$	151		$	—		$	44,233

XML

Loans And Allowance For Credit Losses (Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans) (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		$ 298,873	$ 267,586
Financing Receivable, Recorded Investment, Current		39,725,111	39,796,072
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		144,995	104,491
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		153,878	163,095
Loans and Leases Receivable, Gross		40,023,984	40,063,658
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		27,204	29,228
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	226,116	154,778
Commercial		84,120	104,942
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Commercial Real Estate		98,170	118,217
Consumer		14,579	17,910
Outstanding balance		196,869	241,069
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Carrying Amount, Net		152,420	179,299
ALLL		1,139	2,800
Carrying amount, net		151,281	176,499
Commercial and Industrial Sector [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		103,270	70,224
Financing Receivable, Recorded Investment, Current		13,007,655	13,092,731
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		64,040	28,295
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		39,230	41,929
Loans and Leases Receivable, Gross		13,110,925	13,162,955
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2,221	4,677
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	117,874	64,385
Finance Leases Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		58	250
Financing Receivable, Recorded Investment, Current		401,490	408,724
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		30	225
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28	25
Loans and Leases Receivable, Gross		401,548	408,974
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	123	270
Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		69,910	75,706
Financing Receivable, Recorded Investment, Current		7,207,298	7,275,842
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		24,480	29,182
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		45,430	46,524
Loans and Leases Receivable, Gross		7,277,208	7,351,548
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5,233	3,334
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	44,423	39,649
Municipal [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		0	0
Financing Receivable, Recorded Investment, Current		588,985	520,887
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0	0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0	0
Loans and Leases Receivable, Gross		588,985	520,887
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	992	1,056
Commercial Loan [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		173,238	146,180
Financing Receivable, Recorded Investment, Current		21,205,428	21,298,184
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		88,550	57,702
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		84,688	88,478
Loans and Leases Receivable, Gross		21,378,666	21,444,364
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		7,454	8,011
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	163,412	105,360
Commercial Real Estate [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		14,755	14,202
Financing Receivable, Recorded Investment, Current		2,046,961	1,972,206
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		5,172	2,711
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		9,583	11,491
Loans and Leases Receivable, Gross		2,061,716	1,986,408
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		220	92
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	10,821	12,481
Term [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		43,098	43,660
Financing Receivable, Recorded Investment, Current		8,015,187	8,082,940
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,522	14,415
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		31,576	29,245
Loans and Leases Receivable, Gross		8,058,285	8,126,600
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,830	19,700
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	29,597	13,787
Commercial Real Estate [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		57,853	57,862
Financing Receivable, Recorded Investment, Current		10,062,148	10,055,146
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		16,694	17,126
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		41,159	40,736
Loans and Leases Receivable, Gross		10,120,001	10,113,008
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,050	19,792
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	40,418	26,268
Home Equity Line of Credit [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		10,228	11,183
Financing Receivable, Recorded Investment, Current		2,338,099	2,309,967
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		4,318	4,503
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,910	6,680
Loans and Leases Receivable, Gross		2,348,327	2,321,150
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	2,149	1,779
One Through Four Family Residential [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		31,827	37,272
Financing Receivable, Recorded Investment, Current		5,161,636	5,163,610
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,789	12,416
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		20,038	24,856
Loans and Leases Receivable, Gross		5,193,463	5,200,882
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		744	318
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	19,351	20,599
Construction And Other Consumer Real Estate [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		22,417	10,819
Financing Receivable, Recorded Investment, Current		349,205	359,723
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,743	9,675
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		674	1,144
Loans and Leases Receivable, Gross		371,622	370,542
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		135	160
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	590	608
Revolving Credit Facility [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		2,414	3,470
Financing Receivable, Recorded Investment, Current		407,057	397,882
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1,382	2,425
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1,032	1,045
Loans and Leases Receivable, Gross		409,471	401,352
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		680	946
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	192	80
Consumer Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		896	800
Financing Receivable, Recorded Investment, Current		201,538	211,560
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		519	644
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		377	156
Loans and Leases Receivable, Gross		202,434	212,360
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		141	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4	84
Consumer Loan [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		67,782	63,544
Financing Receivable, Recorded Investment, Current		8,457,535	8,442,742
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		39,751	29,663
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28,031	33,881
Loans and Leases Receivable, Gross		8,525,317	8,506,286
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,700	1,425
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 22,286	$ 23,150

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

XML

Investment Securities Taxable and Nontaxable Interest Income by Investment Type (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Noninterest Income	$ 28,809	$ 24,502	$ 56,282	$ 52,596
Taxable [Member]
Noninterest Income	25,340	21,067	49,298	45,801
Nontaxable [Member]
Noninterest Income	3,469	3,435	6,984	6,795
Held-to-maturity Securities [Member]
Noninterest Income	5,867	6,528	12,321	13,192
Held-to-maturity Securities [Member] | Taxable [Member]
Noninterest Income	3,093	3,721	6,685	7,549
Held-to-maturity Securities [Member] | Nontaxable [Member]
Noninterest Income	2,774	2,807	5,636	5,643
Available-for-sale Securities [Member]
Noninterest Income	22,332	17,408	42,753	38,356
Available-for-sale Securities [Member] | Taxable [Member]
Noninterest Income	21,637	16,780	41,405	37,204
Available-for-sale Securities [Member] | Nontaxable [Member]
Noninterest Income	695	628	1,348	1,152
Trading Securities [Member]
Noninterest Income	610	566	1,208	1,048
Trading Securities [Member] | Taxable [Member]
Noninterest Income	610	566	1,208	1,048
Trading Securities [Member] | Nontaxable [Member]
Noninterest Income	$ 0	$ 0	$ 0	$ 0

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Debt And Shareholders' Equity Schedule of Long-term Debt Instruments (Tables)

6 Months Ended

Jun. 30, 2015

Debt Instrument [Line Items]

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In thousands)	June 30, 2015		December 31, 2014
Junior subordinated debentures related to trust preferred securities	$	164,950	$	168,043
Convertible subordinated notes	143,964		132,838
Subordinated notes	334,888		335,798
Senior notes	406,149		432,385
FHLB advances	—		22,156
Capital lease obligations	987		1,062
Total	$	1,050,938	$	1,092,282

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Fair Value (Tables)

6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis

(In thousands)	June 30, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	4,314,267	$	—	$	4,314,267
Municipal securities			202,657				202,657
Other debt securities			23,815				23,815
Money market mutual funds and other	103,360		8,316				111,676
	103,360		4,549,055		—		4,652,415
Trading account			74,519				74,519
Other noninterest-bearing investments:
Bank-owned life insurance			479,596				479,596
Private equity investments					110,115		110,115
Other assets:
Agriculture loan servicing and interest-only strips					13,502		13,502
Deferred compensation plan assets	89,729						89,729
Derivatives:
Interest rate related and other			3,963				3,963
Interest rate swaps for customers			43,968				43,968
Foreign currency exchange contracts	16,615						16,615
	16,615		47,931		—		64,546
	$	209,704	$	5,151,101	$	123,617	$	5,484,422
LIABILITIES
Securities sold, not yet purchased	$	11,397	$	—	$	—	$	11,397
Other liabilities:
Deferred compensation plan obligations	89,729						89,729
Derivatives:
Interest rate related and other			398				398
Interest rate swaps for customers			45,598				45,598
Foreign currency exchange contracts	14,249						14,249
	14,249		45,996		—		60,245
	$	115,375	$	45,996	$	—	$	161,371

(In thousands)	December 31, 2014
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	3,098,208	$	—	$	3,098,208
Municipal securities			185,093		4,164		189,257
Asset-backed securities:
Trust preferred – banks and insurance			22,701		393,007		415,708
Auction rate					4,761		4,761
Other			666		25		691
Money market mutual funds and other	105,348		30,275				135,623
	105,348		3,336,943		401,957		3,844,248
Trading account			70,601				70,601
Other noninterest-bearing investments:
Bank-owned life insurance			476,290				476,290
Private equity investments					99,865		99,865
Other assets:
Agriculture loan servicing and interest-only strips					12,227		12,227
Deferred compensation plan assets	88,878						88,878
Derivatives:
Interest rate related and other			1,508				1,508
Interest rate swaps for customers			48,287				48,287
Foreign currency exchange contracts	16,625						16,625
	16,625		49,795		—		66,420
	$	210,851	$	3,933,629	$	514,049	$	4,658,529
LIABILITIES
Securities sold, not yet purchased	$	24,230	$	—	$	—	$	24,230
Other liabilities:
Deferred compensation plan obligations	88,878						88,878
Derivatives:
Interest rate related and other			297				297
Interest rate swaps for customers			50,669				50,669
Foreign currency exchange contracts	15,272						15,272
	15,272		50,966		—		66,238
Other					13		13
	$	128,380	$	50,966	$	13	$	179,359

Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis Using Level 3 Inputs

	Level 3 Instruments
	Three Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2015	$	2,465		$	438,338		$	4,803		$	105,232		$	12,001		$	—
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	1			214
Dividends and other investment income (loss)										(1,633		)
Equity securities gains, net										714
Fixed income securities losses, net	(375		)	(136,368		)	(606		)
Other noninterest income													1,483
Other comprehensive income (loss)	560			148,496			(116		)
Purchases										7,262			210
Sales	(2,651		)	(437,442		)	(4,081		)	(991		)
Redemptions and paydowns				(13,238		)				(469		)	(192		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

	Level 3 Instruments
	Six Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2014	$	4,164		$	393,007		$	4,761		$	97,649		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	3			471
Dividends and other investment income (loss)										(559		)
Equity securities gains, net										3,967
Fixed income securities losses, net	(344		)	(136,691		)	(606		)
Other noninterest income													1,487
Other noninterest expense																13
Other comprehensive income (loss)	687			141,547			(74		)
Fair value of HTM securities reclassified as AFS				57,308
Purchases										12,314			381
Sales	(2,651		)	(440,055		)	(4,081		)	(2,508		)
Redemptions and paydowns	(1,859		)	(15,587		)				(748		)	(593		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

	Level 3 Instruments
	Three Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT		Auction rate		Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2014	$	10,184		$	690,217		$	—	$	6,560	$	30		$	81,052		$	11,207		$	(5,632	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	8			633					1
Dividends and other investment income (loss)														(1,052		)
Fair value and nonhedge derivative loss																				(467		)
Equity securities gains, net														584
Fixed income securities gains, net				4,383
Other noninterest income																	45
Other noninterest expense																				101
Other comprehensive income (loss)	92			6,878					17
Purchases														7,104			379
Sales														(15		)
Redemptions and paydowns	(246		)	(16,306		)					(2		)	(5,417		)	(170		)	5,866
Balance at June 30, 2014	$	10,038		$	685,805		$	—	$	6,578	$	28		$	82,256		$	11,461		$	(132	)

	Level 3 Instruments
	Six Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT			Auction rate			Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2013	$	10,662		$	1,238,820		$	22,996		$	6,599		$	25,800		$	82,410		$	8,852		$	(4,303	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	18			1,353						2
Dividends and other investment income (loss)																(2,747		)
Fair value and nonhedge derivative loss																						(7,894		)
Equity securities gains, net																584
Fixed income securities gains, net	16			22,965			1,399						10,917
Other noninterest income																			526
Other noninterest expense																						109
Other comprehensive income (loss)	(182		)	101,340						(23		)	(15		)
Purchases																8,460			2,456
Sales				(546,388		)							(36,669		)	(839		)
Redemptions and paydowns	(476		)	(63,092		)	(24,395		)				(5		)	(5,612		)	(373		)	11,956
Transfers to Level 2				(69,193		)
Balance at June 30, 2014	$	10,038		$	685,805		$	—		$	6,578		$	28		$	82,256		$	11,461		$	(132	)

Schedule Of Realized Gains (Losses) Using Level 3 Inputs

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015			2014
Dividends and other investment income	$	4		$	—	$	4		$	34
Fixed income securities gains (losses), net	(137,349		)	4,383		(137,641		)	35,297
Equity securities losses, net	(674		)	—		(674		)	—

Schedule Of Assets With Fair Value Changes On Nonrecurring Basis

(In thousands)	Fair value at June 30, 2015								Fair value at December 31, 2014
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	3,547	$	3,547	$	—	$	—	$	23,454	$	23,454
Impaired loans	—		10,983		—		10,983		—		16,574		—		16,574
Other real estate owned	—		2,594		—		2,594		—		8,034		—		8,034
	$	—	$	13,577	$	3,547	$	17,124	$	—	$	24,608	$	23,454	$	48,062

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
ASSETS
HTM securities adjusted for OTTI	$	—		$	—		$	—		$	(27	)
Private equity investments, carried at cost	(1,125		)	(133		)	(2,278		)	(133		)
Impaired loans	(2,808		)	(8,662		)	(5,357		)	(13,189		)
Other real estate owned	(310		)	(937		)	(1,318		)	(3,171		)
	$	(4,243	)	$	(9,732	)	$	(8,953	)	$	(16,520	)

Fair Value, by Balance Sheet Grouping [Table Text Block]

	June 30, 2015
(In thousands)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,704,246	$	(300,000	)	$	1,404,246	$	—		$	—		$	1,404,246
Derivatives (included in other assets)	63,962		—			63,962		(6,224		)	—			57,738
	$	1,768,208	$	(300,000	)	$	1,468,208	$	(6,224	)	$	—		$	1,461,984
Liabilities:
Federal funds and other short-term borrowings	$	527,124	$	(300,000	)	$	227,124	$	—		$	—		$	227,124
Derivatives (included in other liabilities)	60,245		—			60,245		(6,224		)	(27,091		)	26,930
	$	587,369	$	(300,000	)	$	287,369	$	(6,224	)	$	(27,091	)	$	254,054

	December 31, 2014
(In thousands)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,386,291	$	—	$	1,386,291	$	—		$	—		$	1,386,291
Derivatives (included in other assets)	66,420		—		66,420		(3,755		)				62,665
	$	1,452,711	$	—	$	1,452,711	$	(3,755	)	$	—		$	1,448,956
Liabilities:
Federal funds and other short-term borrowings	$	244,223	$	—	$	244,223	$	—		$	—		$	244,223
Derivatives (included in other liabilities)	66,064		—		66,064		(3,755		)	(31,968		)	30,341
	$	310,287	$	—	$	310,287	$	(3,755	)	$	(31,968	)	$	274,564

	June 30, 2015					December 31, 2014
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	570,869	$	578,327	3	$	647,252	$	677,196	3
Loans and leases (including loans held for sale), net of allowance	39,567,057		39,296,460		3	39,591,499		39,426,498		3
Financial liabilities:
Time deposits	2,263,146		2,265,320		2	2,406,924		2,408,550		2
Foreign deposits	372,106		372,069		2	328,391		328,447		2
Long-term debt (less fair value hedges)	1,050,367		1,091,173		2	1,090,778		1,159,287		2

XML

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$ 13,960	$ 119,550	$ 105,985	$ 220,760
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	(1,760)	(47,637)	(2,043)	(49,259)
Depreciation and amortization	35,113	31,150	69,282	63,554
Fixed income securities losses (gains), net	138,436	(5,026)	138,675	(35,940)
Deferred income tax expense	(44,431)	(58,870)	(41,029)	19,408
Net increase in trading securities	(2,899)	(247)	(3,920)	(22,109)
Net decrease (increase) in loans held for sale	(23,568)	(38,030)	(20,051)	6,954
Change in other liabilities	(61,829)	19,279	(36,263)	(58,517)
Change in other assets	32,079	(16,686)	(33,169)	(13,460)
Other, net	(70)	9,910	(3,619)	12,273
Net cash provided by operating activities	85,031	13,393	173,848	143,664
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	(754,443)	1,672,416	(501,169)	1,591,565
Proceeds from maturities and paydowns of investment securities held-to-maturity	21,587	19,190	60,910	38,125
Purchases of investment securities held-to-maturity	(1,485)	(27,514)	(24,061)	(63,264)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	751,373	194,973	980,267	1,042,261
Purchases of investment securities available-for-sale	(972,714)	(221,701)	(1,757,570)	(673,824)
Net change in loans and leases	(148,336)	446,118	(47,894)	612,533
Net purchases of premises and equipment	(33,835)	(35,815)	(67,368)	(112,731)
Proceeds from sales of other real estate owned	5,172	17,087	8,573	28,912
Other, net	25,974	1,380	29,325	6,997
Net cash provided by (used in) investing activities	(810,035)	1,173,898	(1,223,199)	1,245,508
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	813,764	(861,165)	1,089,049	(690,743)
Net change in short-term funds borrowed	23,527	(21,436)	(17,099)	(81,947)
Repayments of long-term debt	(44,420)	(236,404)	(52,605)	(361,159)
Proceeds from issuances of common stock	5,070	1,641	6,032	4,521
Dividends paid on common and preferred stock	(29,045)	(24,207)	(52,279)	(47,948)
Other, net	(6,512)	(3,388)	(7,451)	(3,691)
Net cash provided by (used in) financing activities	762,384	(1,144,959)	965,647	(1,180,967)
Net increase (decrease) in cash and due from banks	37,380	42,332	(83,704)	208,205
Cash and due from banks at beginning of period	720,858	1,338,930	841,942	1,173,057
Cash and due from banks at end of period	758,238	1,381,262	758,238	1,381,262
Cash paid for interest	28,938	40,820	51,057	81,669
Net cash paid for income taxes	$ 92,326	$ 122,737	$ 91,826	$ 122,656

XML

Commitments, Guarantees, And Contingent Liabilities (Tables)

6 Months Ended

Jun. 30, 2015

Guarantees, Commitments And Contingencies [Abstract]

Schedule Of Guarantees Issued

(In thousands)	June 30, 2015		December 31, 2014
Net unfunded commitments to extend credit 1	$	16,678,282	$	16,658,757
Standby letters of credit:
Financial	677,693		745,895
Performance	193,710		183,482
Commercial letters of credit	37,674		32,144
Total unfunded lending commitments	$	17,587,359	$	17,620,278

XML

Investment Securities (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Investments [Abstract]
Held-to-maturity Securities, Debt Maturities, Next Rolling Twelve Months, Amortized Cost	$ 89,799
Held-to-maturity, Due in one year or less, Estimated fair value	90,840
Held-to-maturity, Due after one year through five years, Amortized cost	183,910
Held-to-maturity, Due after one year through five years, Estimated fair value	186,348
Held-to-maturity, Due after five years through ten years, Amortized cost	155,474
Held-to-maturity, Due after five years through ten years, Estimated fair value	159,795
Held-to-maturity Securities, Debt Maturities, Rolling after Ten Years, Amortized Cost	141,686
Held-to-maturity, Due after ten years, Estimated fair value	141,344
Held-to-maturity, Amortized cost	570,869	$ 686,951
Held-to-maturity, fair value	578,327
Available-for-sale, Due in one year or less, Amortized cost	686,832
Available-for-sale, Due in one year or less, Estimated fair value	687,548
Available-for-sale, Due after one year through five years, Amortized cost	1,901,910
Available-for-sale, Due after one year through five years, Estimated fair value	1,902,874
Available-for-sale, Due after five years through ten years, Amortized cost	1,419,932
Available-for-sale, Due after five years through ten years, Estimated fair value	1,418,243
Available-for-sale, Due after ten years, Amortized cost	534,788
Available-for-sale, Due after ten years, Estimated fair value	532,074
Available-for-sale, Amortized cost	4,543,462	3,819,297
Available-for-sale, Estimated fair value	$ 4,540,739	$ 3,708,625

XML

Loans And Allowance For Credit Losses (Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2,186	$ 837	$ 3,145	$ 1,054	$ 88,700	$ 141,300
1-4 family residential		5,193,463		5,193,463				$ 5,200,882
Construction and other consumer real estate		371,622		371,622				370,542
Commercial and industrial		13,110,925		13,110,925				13,162,955
Home equity credit line		2,348,327		2,348,327				2,321,150
Bankcard and other revolving plans		409,471		409,471				401,352
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		13,110,925		13,110,925				13,162,955
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		5,193,463		5,193,463				5,200,882
Construction and other consumer real estate		371,622		371,622				370,542
Home equity credit line		2,348,327		2,348,327				2,321,150
Bankcard and other revolving plans		409,471		409,471				401,352
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	49	107	49
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	132	107	349
Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		992		992				1,056
Interest Rate Below Market [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		992		992				1,056
Principal Forgiveness [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Payment Deferral [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Multiple Modification Types [Member] | Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Recorded investment resulting from the following modification types		180,146		180,146				245,550
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		13,872		13,872				20,375
Accruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		1,982		1,982				2,071
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Commercial and industrial		27,205		27,205				50,781
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		30,643		30,643				51,781
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		57,848		57,848				102,562
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		41,591		41,591				61,240
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		55,463		55,463				81,615
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Home equity credit line		14,416		14,416				13,579
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
1-4 family residential		50,437		50,437				45,723
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10	0	10
Recorded investment resulting from the following modification types		66,835		66,835				61,373
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		14,552		14,552				33,377
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		279		279				290
Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		1,819		1,819				2,611
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,064		2,064				19,981
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,883		3,883				22,592
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,142		7,142				7,328
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,142		7,142				7,328
Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		741		741				742
Accruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		2,507		2,507				2,425
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,527		3,527				3,457
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,547		7,547				17,704
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		496		496				422
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		3,654		3,654				6,509
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,306		1,306				1,124
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,960		4,960				7,633
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		896		896				9,027
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		896		896				9,027
Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		833		833				70
Accruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		362		362				552
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,691		1,691				1,044
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		18,914		18,914				19,347
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Accruing [Member] | Principal Forgiveness [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		36		36				42
Accruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		16		16				18
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		945		945				960
Accruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		961		961				978
Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		173		173				179
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		173		173				179
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		10,539		10,539				11,320
Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		7,205		7,205				6,828
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		17,780		17,780				18,190
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,528		1,528				8,143
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Accruing [Member] | Payment Deferral [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		0		0				90
Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		115		115				3,203
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				1,251
Accruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		115		115				4,454
Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		974		974				3,153
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		974		974				3,153
Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		0		0				0
Accruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		439		439				446
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		439		439				536
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	15,086		15,086				18,801
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	494		494				521
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate	[1]	0		0				0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[1]	213		213				3,855
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	8,623		8,623				10,960
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	8,836		8,836				14,815
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	2,277		2,277				2,546
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	2,771		2,771				3,067
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[1]	265		265				166
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[1]	3,214		3,214				753
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3,479		3,479				919
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	122,519		122,519				148,178
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	13,378		13,378				19,854
Accruing [Member] | Multiple Modification Types [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate	[2]	1,171		1,171				1,227
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[2]	21,388		21,388				34,585
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	17,705		17,705				17,505
Accruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	39,093		39,093				52,090
Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	30,129		30,129				39,007
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	43,507		43,507				58,861
Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[2]	2,038		2,038				1,281
Accruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[2]	36,710		36,710				34,719
Accruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	39,919		39,919				37,227
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186	827	3,145	1,044
Recorded investment resulting from the following modification types		298,504		298,504				343,329
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Recorded investment resulting from the following modification types		17,705		17,705				20,968
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		11,798		11,798				21,074
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		135	284	135	284
Commercial and industrial		48,360		48,360				27,238
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,098	421	2,057	421
Recorded investment resulting from the following modification types		20,761		20,761				19,708
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		1,233	705	2,192	705
Recorded investment resulting from the following modification types		70,113		70,113				48,002
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Recorded investment resulting from the following modification types		18,742		18,742				7,735
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		846	0	846	0
Recorded investment resulting from the following modification types		36,447		36,447				28,703
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	217
Nonaccruing [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		1,316		1,316				1,022
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	39	107	39
1-4 family residential		10,190		10,190				19,489
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	83	0	83
Construction and other consumer real estate		292		292				563
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		107	$ 122	107	$ 339
Recorded investment resulting from the following modification types		118,358		118,358				97,779
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		30,419		30,419				53,842
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		10,706		10,706				11,080
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		18		18				3,378
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		159		159				442
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,274		2,274				2,714
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,433		2,433				3,156
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,710		2,710				2,851
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		13,416		13,416				13,931
Nonaccruing [Member] | Interest Rate Below Market [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		10		10				0
Nonaccruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		8		8				3,378
Nonaccruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		0		0				0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		15,867		15,867				20,465
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		11,128		11,128				22,115
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		62		62				68
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		955		955				1,492
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		467		467				576
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,105		1,105				1,219
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,564		2,564				2,851
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		62		62				68
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		528		528				0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		280		280				1,029
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		147		147				463
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,581		3,581				4,411
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		22,325		22,325				21,718
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,566		2,566				2,371
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		845		845				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		845		845				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		669		669				420
Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		1,897		1,897				1,951
Nonaccruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		0		0				0
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,411		3,411				2,371
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		13,464		13,464				10,124
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0				93
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		308		308				394
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		3,616		3,616				611
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		5,870		5,870				883
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		9,486		9,486				1,494
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,142		2,142				0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,142		2,142				93
Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		61		61				203
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		180		180				191
Nonaccruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		67		67				0
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		11,936		11,936				1,981
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	29,194		29,194				33,956
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3,229		3,229				3,300
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	1,040		1,040				3,527
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[1]	6,782		6,782				5,199
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	119		119				2,852
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	6,901		6,901				8,051
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	2,938		2,938				277
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	6,167		6,167				3,577
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[1]	0		0				0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[1]	1,040		1,040				3,527
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate	[1]	0		0				0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	14,108		14,108				15,155
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	191,974		191,974				201,574
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	3,708		3,708				6,427
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	6,911		6,911				9,912
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[2]	37,336		37,336				20,410
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	11,393		11,393				12,040
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	48,729		48,729				32,450
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	10,107		10,107				4,607
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	13,815		13,815				11,034
Nonaccruing [Member] | Multiple Modification Types [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[2]	48		48				399
Nonaccruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[2]	6,785		6,785				9,413
Nonaccruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate	[2]	78		78				100
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	$ 69,455		$ 69,455				$ 53,396

[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.

XML

Fair Value (Schedule Of Assets With Fair Value Changes On Nonrecurring Basis) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Principal amount of other real estate owned property sold			$ 10,100	$ 24,600
Gains (losses) from fair value changes	$ (4,243)	$ (9,732)	(8,953)	(16,520)
HTM Securities Adjusted For OTTI [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	0	0	0	(27)
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(2,808)	(8,662)	(5,357)	(13,189)
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(1,125)	(133)	(2,278)	(133)
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(310)	$ (937)	(1,318)	$ (3,171)
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		$ 0
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Fair Value, Inputs, Level 1 [Member] | Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Fair Value, Inputs, Level 1 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	13,577		13,577		24,608
Level 2 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	10,983		10,983		16,574
Level 2 [Member] | Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Level 2 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	2,594		2,594		8,034
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	3,547		3,547		23,454
Level 3 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Level 3 [Member] | Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	3,547		3,547		23,454
Level 3 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	0		0		0
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	17,124		17,124		48,062
Estimate of Fair Value Measurement [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	10,983		10,983		16,574
Estimate of Fair Value Measurement [Member] | Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	3,547		3,547		23,454
Estimate of Fair Value Measurement [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	$ 2,594		$ 2,594		$ 8,034

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Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 758,238	$ 841,942
Money market investments:
Interest-bearing deposits	7,661,311	7,178,097
Federal funds sold and security resell agreements	1,404,246	1,386,291
Investment securities:
Held-to-maturity, at adjusted cost (approximate fair value $578,327 and $677,196)	570,869	647,252
Available-for-sale, at fair value	4,652,415	3,844,248
Trading account, at fair value	74,519	70,601
Marketable securities, total	5,297,803	4,562,101
Loans held for sale	152,448	132,504
Loans and leases, net of unearned income and fees:
Loans and leases receivable, net of unearned income and fees	40,023,984	40,063,658
Less allowance for loan losses	609,375	604,663
Loans, net of allowance	39,414,609	39,458,995
Other noninterest-bearing investments	863,443	865,950
Premises and equipment, net	856,577	829,809
Goodwill	1,014,129	1,014,129
Core deposit and other intangibles	20,843	25,520
Other real estate owned	13,269	18,916
Other assets	908,543	894,620
Total assets	58,365,459	57,208,874
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing demand	21,557,584	20,529,124
Interest-bearing:
Savings and money market	24,744,288	24,583,636
Time	2,263,146	2,406,924
Foreign	372,106	328,391
Total deposits	48,937,124	47,848,075
Federal funds and other short-term borrowings	227,124	244,223
Long-term debt	1,050,938	1,092,282
Reserve for unfunded lending commitments	79,961	81,076
Other liabilities	540,137	573,688
Total liabilities	50,835,284	49,839,344
Shareholders' equity:
Preferred stock, without par value, authorized 4,400,000 shares	1,004,032	1,004,011
Common stock, without par value; authorized 350,000,000 shares; issued and outstanding 203,740,914 and 203,014,903 shares	4,738,272	4,723,855
Retained earnings	1,823,043	1,769,705
Accumulated other comprehensive income (loss)	(35,172)	(128,041)
Total shareholders' equity	7,530,175	7,369,530
Total liabilities and shareholders' equity	$ 58,365,459	$ 57,208,874

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Loans And Allowance For Credit Losses (Narrative) (Details)		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015 USD ($)	Jun. 30, 2014 USD ($)	Jun. 30, 2015 USD ($) mo Billing_Cycles d Payments	Jun. 30, 2014 USD ($)	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)	Dec. 31, 2014 USD ($)
Loans And Allowance For Credit Losses [Line Items]
Unfunded Lending Commitments on Troubled Debt Restructuring		$ 3,700,000		$ 3,700,000				$ 6,100,000
Loans and Leases Receivable, Gross		40,023,984,000		40,023,984,000				40,063,658,000
Financing Receivable, Recorded Investment, Current		39,725,111,000		39,725,111,000				39,796,072,000
Certain Loans Account for as Cash Basis, Net Carrying Amounts		2,400,000		2,400,000				5,300,000
Threshold for Internal risk grades assigned to commercial and commercial real estate loans		750,000		750,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses		300,000	$ 200,000	(500,000)	$ (2,500,000)
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186,000	837,000	3,145,000	1,054,000	$ 88,700,000	$ 141,300,000
Unearned income and fees, net of related costs		141,000,000		141,000,000				144,700,000
Owner occupied and commercial real estate loans, unamortized premiums		31,100,000		31,100,000				36,500,000
Land Development Loans		419,400,000		419,400,000				484,900,000
Loans at carrying value pledged as collateral for current and potential borrowings		22,400,000,000		22,400,000,000				22,500,000,000
Payments for Origination and Purchases of Loans Held-for-sale		359,000,000	301,600,000	668,700,000	597,100,000
Loans and Leases Receivable, Gain (Loss) on Sales, Net		4,300,000	3,600,000	8,900,000	7,100,000
Principle amount of loans held for sale sold		335,800,000	260,100,000	636,200,000	597,700,000
Servicing Asset at Amortized Cost		0		$ 0				0
Number of days for consumer loans to be charged off | d				180
Number of days for closed-end loans to be charged off | d				120
Minimum number of days past due for nonaccrual status | d				90
Minimum number of monthly payments in arrears when reporting past due | Payments				2
Minimum number of billing cycles in arrears when reported as past due | Billing_Cycles				2
Minimum number of days unpaid when reported as past due | d				30
Threshold for nonaccrual loans for evaluation of impairment				$ 1,000,000
Minimum number of months for borrower to meet terms For TDR status | mo				6
Recorded investment in TDR loans modified with interest rates below market		184,700,000		$ 184,700,000				219,300,000
Total reversal amount to ALLL		1,100,000	700,000	2,500,000	3,600,000
Additional interest income due to increased cash flows from acquired loans		9,300,000	11,700,000	16,700,000	30,200,000
Provision for Loan and Lease Losses		566,000	(54,416,000)	(928,000)	(55,026,000)
Provision for Unfunded Lending Commitments		2,326,000	(6,779,000)	1,115,000	(5,767,000)
Other Real Estate, Foreclosed Assets, and Repossessed Assets		1,400,000		1,400,000
Other Real Estate, In Process of Forecloseing Assets		10,100,000		10,100,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		144,995,000		144,995,000				104,491,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		153,878,000		153,878,000				163,095,000
Financing Receivable, Recorded Investment, Past Due		298,873,000		298,873,000				267,586,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		27,204,000		27,204,000				29,228,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	226,116,000		226,116,000				154,778,000
Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		21,378,666,000		$ 21,378,666,000				21,444,364,000
Subsequent payment default period, number of days | d				90
Provision for Loan and Lease Losses		5,941,000	(29,574,000)	$ 30,875,000	(18,314,000)
Provision for Unfunded Lending Commitments		(2,001,000)	(2,931,000)	1,843,000	4,456,000
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		8,525,317,000		$ 8,525,317,000				8,506,286,000
Subsequent payment default period, number of days | d				60
Provision for Loan and Lease Losses		(392,000)	(4,570,000)	$ 67,000	(13,549,000)
Provision for Unfunded Lending Commitments		27,000	(432,000)	(80,000)	107,000
Financing Receivable, Recorded Investment, Nonaccrual Status		270,000		270,000				254,000
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		8,525,317,000		8,525,317,000				8,506,286,000
Financing Receivable, Recorded Investment, Current		8,457,535,000		8,457,535,000				8,442,742,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		39,751,000		39,751,000				29,663,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28,031,000		28,031,000				33,881,000
Financing Receivable, Recorded Investment, Past Due		67,782,000		67,782,000				63,544,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,700,000		1,700,000				1,425,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	22,286,000		22,286,000				23,150,000
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		202,434,000		202,434,000				212,360,000
Financing Receivable, Recorded Investment, Current		201,538,000		201,538,000				211,560,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		519,000		519,000				644,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		377,000		377,000				156,000
Financing Receivable, Recorded Investment, Past Due		896,000		896,000				800,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		141,000		141,000				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4,000		4,000				84,000
Commercial and Industrial Sector [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		13,110,925,000		13,110,925,000				13,162,955,000
Financing Receivable, Recorded Investment, Current		13,007,655,000		13,007,655,000				13,092,731,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		64,040,000		64,040,000				28,295,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		39,230,000		39,230,000				41,929,000
Financing Receivable, Recorded Investment, Past Due		103,270,000		103,270,000				70,224,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2,221,000		2,221,000				4,677,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	117,874,000		117,874,000				64,385,000
Finance Leases Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		401,548,000		401,548,000				408,974,000
Financing Receivable, Recorded Investment, Current		401,490,000		401,490,000				408,724,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		30,000		30,000				225,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28,000		28,000				25,000
Financing Receivable, Recorded Investment, Past Due		58,000		58,000				250,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	123,000		123,000				270,000
Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		7,277,208,000		7,277,208,000				7,351,548,000
Financing Receivable, Recorded Investment, Current		7,207,298,000		7,207,298,000				7,275,842,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		24,480,000		24,480,000				29,182,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		45,430,000		45,430,000				46,524,000
Financing Receivable, Recorded Investment, Past Due		69,910,000		69,910,000				75,706,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5,233,000		5,233,000				3,334,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	44,423,000		44,423,000				39,649,000
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		588,985,000		588,985,000				520,887,000
Financing Receivable, Recorded Investment, Current		588,985,000		588,985,000				520,887,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0				0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0				0
Financing Receivable, Recorded Investment, Past Due		0		0				0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	992,000		992,000				1,056,000
Commercial Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		21,378,666,000		21,378,666,000				21,444,364,000
Financing Receivable, Recorded Investment, Current		21,205,428,000		21,205,428,000				21,298,184,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		88,550,000		88,550,000				57,702,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		84,688,000		84,688,000				88,478,000
Financing Receivable, Recorded Investment, Past Due		173,238,000		173,238,000				146,180,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		7,454,000		7,454,000				8,011,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	163,412,000		163,412,000				105,360,000
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,061,716,000		2,061,716,000				1,986,408,000
Financing Receivable, Recorded Investment, Current		2,046,961,000		2,046,961,000				1,972,206,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		5,172,000		5,172,000				2,711,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		9,583,000		9,583,000				11,491,000
Financing Receivable, Recorded Investment, Past Due		14,755,000		14,755,000				14,202,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		220,000		220,000				92,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	10,821,000		10,821,000				12,481,000
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		8,058,285,000		8,058,285,000				8,126,600,000
Financing Receivable, Recorded Investment, Current		8,015,187,000		8,015,187,000				8,082,940,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,522,000		11,522,000				14,415,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		31,576,000		31,576,000				29,245,000
Financing Receivable, Recorded Investment, Past Due		43,098,000		43,098,000				43,660,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,830,000		17,830,000				19,700,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	29,597,000		29,597,000				13,787,000
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		10,120,001,000		10,120,001,000				10,113,008,000
Financing Receivable, Recorded Investment, Current		10,062,148,000		10,062,148,000				10,055,146,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		16,694,000		16,694,000				17,126,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		41,159,000		41,159,000				40,736,000
Financing Receivable, Recorded Investment, Past Due		57,853,000		57,853,000				57,862,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,050,000		18,050,000				19,792,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	40,418,000		40,418,000				26,268,000
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,348,327,000		2,348,327,000				2,321,150,000
Financing Receivable, Recorded Investment, Current		2,338,099,000		2,338,099,000				2,309,967,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		4,318,000		4,318,000				4,503,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,910,000		5,910,000				6,680,000
Financing Receivable, Recorded Investment, Past Due		10,228,000		10,228,000				11,183,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				1,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	2,149,000		2,149,000				1,779,000
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		5,193,463,000		5,193,463,000				5,200,882,000
Financing Receivable, Recorded Investment, Current		5,161,636,000		5,161,636,000				5,163,610,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,789,000		11,789,000				12,416,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		20,038,000		20,038,000				24,856,000
Financing Receivable, Recorded Investment, Past Due		31,827,000		31,827,000				37,272,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		744,000		744,000				318,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	19,351,000		19,351,000				20,599,000
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		371,622,000		371,622,000				370,542,000
Financing Receivable, Recorded Investment, Current		349,205,000		349,205,000				359,723,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,743,000		21,743,000				9,675,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		674,000		674,000				1,144,000
Financing Receivable, Recorded Investment, Past Due		22,417,000		22,417,000				10,819,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		135,000		135,000				160,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	590,000		590,000				608,000
Revolving Credit Facility [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		409,471,000		409,471,000				401,352,000
Financing Receivable, Recorded Investment, Current		407,057,000		407,057,000				397,882,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1,382,000		1,382,000				2,425,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1,032,000		1,032,000				1,045,000
Financing Receivable, Recorded Investment, Past Due		2,414,000		2,414,000				3,470,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		680,000		680,000				946,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	192,000		192,000				80,000
Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		180,146,000		180,146,000				245,550,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	10,000	0	10,000
Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		298,504,000		298,504,000				343,329,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,186,000	$ 827,000	3,145,000	$ 1,044,000
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 11,798,000		$ 11,798,000				$ 21,074,000

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

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Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Total	Preferred Stock [Member]	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2013	$ 6,464,563	$ 1,003,970	$ 4,179,024	$ 1,473,670	$ (192,101)
Balance (in shares) at Dec. 31, 2013			184,677,696
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	220,760			220,760
Other comprehensive income, net of tax	55,264				55,264
Subordinated debt converted to preferred stock	31	$ 36	$ (5)
Net activity under employee plans and related tax benefits, shares			435,269
Net activity under employee plans and related tax benefits	13,117		$ 13,117
Dividends on preferred stock	(40,080)			(40,080)
Dividends on common stock	(14,873)			(14,873)
Change in deferred compensation	1,308			1,308
Balance at Jun. 30, 2014	6,700,090	$ 1,004,006	$ 4,192,136	1,640,785	(136,837)
Balance (in shares) at Jun. 30, 2014			185,112,965
Balance at Dec. 31, 2014	$ 7,369,530	1,004,011	$ 4,723,855	1,769,705	(128,041)
Balance (in shares) at Dec. 31, 2014	203,014,903		203,014,903
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 105,985			105,985
Other comprehensive income, net of tax	92,869				92,869
Subordinated debt converted to preferred stock	15	21	$ (6)
Net activity under employee plans and related tax benefits, shares			726,011
Net activity under employee plans and related tax benefits	14,423		$ 14,423
Dividends on preferred stock	(31,806)			(31,806)
Dividends on common stock	(20,444)			(20,444)
Change in deferred compensation	(397)			(397)
Balance at Jun. 30, 2015	$ 7,530,175	$ 1,004,032	$ 4,738,272	$ 1,823,043	$ (35,172)
Balance (in shares) at Jun. 30, 2015	203,192,991		203,740,914

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Derivative Instruments And Hedging Activities (Schedule Of Notional Amounts And Recorded Gross Fair Values And Related Gain (Loss) Of Derivative Instruments) (Details) - USD ($) $ in Thousands		3 Months Ended				6 Months Ended
		Jun. 30, 2015		Jun. 30, 2014		Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Derivative [Line Items]
Total derivatives, Notional amount		$ 4,037,709				$ 4,037,709		$ 3,488,773
Amount of derivative gain (loss), recognized in OCI		(424)		$ 1,988		3,829	$ 2,526
Amount of derivative gain (loss), Reclassified from AOCI to interest income		1,218		577		2,234	928
Derivatives instruments, Noninterest income (expense)		5,570		1,502		8,823	(4,757)
Derivatives designated as hedging instruments, Offset to interest expense		$ 465		608		$ 933	1,326
Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)	[1]
Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		$ 63,962				$ 63,962		66,420
Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		60,245				60,245		66,064
Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		737,500				737,500		275,000
Amount of derivative gain (loss), recognized in OCI		(424)		1,988		3,829	2,526
Amount of derivative gain (loss), Reclassified from AOCI to interest income		$ 1,218		577		$ 2,234	928
Derivatives instruments, Noninterest income (expense)
Derivatives designated as hedging instruments, Offset to interest expense		$ 465		608		$ 933	1,326
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Amount of derivative gain (loss), recognized in OCI	[1]	(424)		1,988		3,829	2,526
Amount of derivative gain (loss), Reclassified from AOCI to interest income	[1]	1,218		577		2,234	928
Derivatives Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		3,379				3,379		1,508
Derivatives Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		398				398		123
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount	[1]	737,500				737,500		275,000
Amount of derivative gain (loss), recognized in OCI		(424)	[1]	1,988	[1]	3,829	2,526
Amount of derivative gain (loss), Reclassified from AOCI to interest income		1,218	[1]	577	[1]	2,234	928
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets	[1]	3,379				3,379		1,508
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	[1]	398				398		123
Derivatives Designated As Hedging Instruments [Member] | Terminated Swaps On Long-Term Debt [Member] | Fair Value Hedges [Member]
Derivative [Line Items]
Derivatives designated as hedging instruments, Offset to interest expense		465		608		933	1,326
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,300,209				3,300,209		3,213,773
Derivatives instruments, Noninterest income (expense)		5,570		1,502		8,823	(4,757)
Derivatives Not Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		60,583				60,583		64,912
Derivatives Not Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		59,847				59,847		65,941
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Total derivatives, Notional amount		315,300				315,300		443,721
Derivatives instruments, Noninterest income (expense)		1,697		1,998		4,432	3,709
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		16,615				16,615		16,625
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		14,249				14,249		15,272
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)				348	[2]		354
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Total derivatives, Notional amount	[2]	2,984,909				2,984,909		2,770,052
Derivatives instruments, Noninterest income (expense)		3,873	[2]	(377)	[2]	4,390	(926)
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets	[2]	43,968				43,968		48,287
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	[2]	45,598				45,598		$ 50,669
Derivatives Not Designated As Hedging Instruments [Member] | Future [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)		$ 0				$ 1
Derivatives Not Designated As Hedging Instruments [Member] | Total Return Swap [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)				$ (467)			$ (7,894)

[1] Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain.

[2] Notional amounts include both the customer swaps and the offsetting derivative contracts.

XML

Basis of Presentaion (Details)	Jun. 30, 2015 States
Basis Of Presentation [Abstract]
Number of States in which Entity Operates	11

XML

Income Taxes (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	38.25%
Net deferred tax assets	$ 202	$ 224

XML

Basis of Presentaion Organization and Presentation (Policies)

6 Months Ended

Jun. 30, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]

BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation (“the Parent”) and its majority-owned subsidiaries (collectively “the Company,” “Zions,” “we,” “our,” “us”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”) and to Accounting Standards Updates (“ASU”), which include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”). Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income.

Operating results for the three and six months endedJune 30, 2015 and 2014 are not necessarily indicative of the results that may be expected in future periods. The consolidated balance sheet at December 31, 2014 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s 2014 Annual Report on Form 10-K.

The Company provides a full range of banking and related services through subsidiary banks in 11 Western and Southwestern states as follows: Zions First National Bank (“Zions Bank”), in Utah, Idaho and Wyoming; Amegy Corporation (“Amegy”) and its subsidiary, Amegy Bank, in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”), in Washington and Oregon. Effective April 1, 2015, The Commerce Bank of Oregon (“TCBO”) was merged into TCBW. The Parent and its subsidiary banks also own and operate certain nonbank subsidiaries that engage in financial services. On June 1, 2015, the Company announced certain efficiency and restructuring initiatives that included, among other things, the consolidation of its seven bank charters into one bank charter. This change is subject to regulatory approval and is currently expected to be completed within the next 6 to 12 months.

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Supplemental Cash Flow Information (Schedule Of Noncash Activities) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Other Significant Noncash Transactions [Line Items]
Loans Transfered to Other Real Estate Owned	$ 3,084	$ 4,905	$ 6,652	$ 11,243
Transfer of Portfolio Loans and Leases to Held-for-sale	(2,395)	1,292	(10,743)	5,081
Subordinated debt converted to preferred stock			15	31
Amortized Cost of Securities Reclassified from HTM to AFS	$ 0	$ 0	$ 79,276	$ 0

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Offsetting Assets and Liabilities (Tables)

6 Months Ended

Jun. 30, 2015

Offsetting Assets and Liabilities [Abstract]

Fair Value, by Balance Sheet Grouping [Table Text Block]

	June 30, 2015
(In thousands)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,704,246	$	(300,000	)	$	1,404,246	$	—		$	—		$	1,404,246
Derivatives (included in other assets)	63,962		—			63,962		(6,224		)	—			57,738
	$	1,768,208	$	(300,000	)	$	1,468,208	$	(6,224	)	$	—		$	1,461,984
Liabilities:
Federal funds and other short-term borrowings	$	527,124	$	(300,000	)	$	227,124	$	—		$	—		$	227,124
Derivatives (included in other liabilities)	60,245		—			60,245		(6,224		)	(27,091		)	26,930
	$	587,369	$	(300,000	)	$	287,369	$	(6,224	)	$	(27,091	)	$	254,054

	December 31, 2014
(In thousands)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,386,291	$	—	$	1,386,291	$	—		$	—		$	1,386,291
Derivatives (included in other assets)	66,420		—		66,420		(3,755		)				62,665
	$	1,452,711	$	—	$	1,452,711	$	(3,755	)	$	—		$	1,448,956
Liabilities:
Federal funds and other short-term borrowings	$	244,223	$	—	$	244,223	$	—		$	—		$	244,223
Derivatives (included in other liabilities)	66,064		—		66,064		(3,755		)	(31,968		)	30,341
	$	310,287	$	—	$	310,287	$	(3,755	)	$	(31,968	)	$	274,564

	June 30, 2015					December 31, 2014
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	570,869	$	578,327	3	$	647,252	$	677,196	3
Loans and leases (including loans held for sale), net of allowance	39,567,057		39,296,460		3	39,591,499		39,426,498		3
Financial liabilities:
Time deposits	2,263,146		2,265,320		2	2,406,924		2,408,550		2
Foreign deposits	372,106		372,069		2	328,391		328,447		2
Long-term debt (less fair value hedges)	1,050,367		1,091,173		2	1,090,778		1,159,287		2

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Fair Value (Schedule Of Key Model Inputs And Assumptions Used To Fair Value Certain Asset-Backed Securities) (Details) - Trust Preferred Predominantly Banks [Member]	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Asset-Backed Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Loss severity	100.00%	100.00%
Constant Default Rate Year 1 [Member] | Minimum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.30%	0.30%
Constant Default Rate Year 1 [Member] | Maximum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.50%	0.80%
Constant Default Rate Year 2 to 5 [Member] | Minimum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.50%	0.50%
Constant Default Rate Year 2 to 5 [Member] | Maximum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.70%	0.90%
Constant Default Rate Year 6 to Maturity [Member] | Minimum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.60%	0.60%
Constant Default Rate Year 6 to Maturity [Member] | Maximum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Asset-backed securities, Constant default rate	0.70%	0.70%
Constant Default Rate Until 2016 [Member] | Minimum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Constant Default Rate Until 2016 [Member] | Maximum [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed

XML

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Dividends on common stock, per share	$ 0.10	$ 0.08

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Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Held-to-maturity, fair value	$ 602,355	$ 677,196
Preferred stock, authorized shares	4,400,000	4,400,000
Common stock, authorized shares	350,000,000	350,000,000
Common stock, issued shares	203,192,991	203,014,903
Common stock, outstanding shares	203,192,991	203,014,903

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Income Taxes

6 Months Ended

Jun. 30, 2015

Income Tax Disclosure [Abstract]

Income Taxes

INCOME TAXES

The effective income tax rate for the three and six months endedJune 30, 2015 and 2014 was lower than the blended statutory rate of 38.25% primarily because of an increase in the proportion of nontaxable items relative to pretax income.

Net deferred tax assets were approximately $202 million at June 30, 2015 and $224 million at December 31, 2014. We evaluate deferred tax assets on a regular basis to determine whether an additional valuation allowance is required. Based on this evaluation, and considering the weight of the positive evidence compared to the negative evidence, we have concluded that an additional valuation allowance is not required as of June 30, 2015.

XML

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2
Trading Symbol	zion
Entity Registrant Name	ZIONS BANCORPORATION /UT/
Entity Central Index Key	0000109380
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		204,170,220

XML

Fair Value

6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Fair Value

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy uses three levels of inputs to measure the fair value of assets and liabilities as follows:

Level 1 – Quoted prices in active markets for identical assets or liabilities in active markets that the Company has the ability to access;

Level 2 – Observable inputs other than Level 1 including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and

Level 3 – Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measure in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales, although such sales may still be indicative of fair value. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity.

We use fair value to measure certain assets and liabilities on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets when adjusting carrying values, such as the application of lower of cost or fair value accounting, including recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments.

Fair Value Policies and Procedures

We have various policies, processes and controls in place to ensure that fair values are reasonably developed, reviewed and approved for use. These include a Securities Valuation Committee (“SVC”) comprised of executive management appointed by the Board of Directors. The SVC reviews and approves on a quarterly basis the key components of fair value estimation, including critical valuation assumptions for Level 3 modeling. A Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation.

Third Party Service Providers

We use a third party pricing service to provide pricing for approximately 91% of our AFS Level 2 securities. Fair values for other AFS Level 2 and for Level 3 securities generally use certain inputs corroborated by market data and include standard form discounted cash flow modeling.

For Level 2 securities, the third party pricing service provides documentation on an ongoing basis that presents market corroborative data, including detail pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test and validate this information as appropriate. Absent observable trade data, we do not adjust prices from our third party sources.

The following describes the hierarchy designations, valuation methodologies, and key inputs to measure fair value on a recurring basis for designated financial instruments:

Available-for-Sale

U.S. Treasury, Agencies and Corporations

U.S. Treasury securities are measured under Level 1 using quoted market prices when available. U.S. agencies and corporations are measured under Level 2 generally using the previously discussed third party pricing service.

Municipal Securities

Municipal securities are measured under Level 2 generally using the third party pricing service. Valuation inputs include Baa municipal curves, as well as FHLB and London Interbank Offered Rate (“LIBOR”) swap curves.

Mutual Funds and Other

Mutual funds and other securities are measured under Level 1 or Level 2. For Level 1, quoted market prices are used which may include net asset values or their equivalents. Level 2 valuations generally use quoted prices for similar securities.

Trading Account

Securities in the trading account are measured under Level 1 using quoted market prices. If not available, quoted prices under Level 2 for similar securities are used.

Bank-Owned Life Insurance

Bank-owned life insurance (“BOLI”) is measured under Level 2 according to cash surrender values (“CSVs”) of the insurance policies that are provided by a third party service. Nearly all policies are general account policies with CSVs based on the Company’s claims on the assets of the insurance companies. The insurances companies’ investments include predominantly fixed income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers.

Private Equity Investments

Private equity investments are measured under Level 3. The Equity Investments Committee, consisting of executives familiar with the investments, reviews periodic financial information, including audited financial statements when available. Certain analytics may be employed that include current and projected financial performance, recent financing activities, economic and market conditions, market comparables, market liquidity, sales restrictions, and other factors. The amount of unfunded commitments to invest is disclosed in Note 11. Certain restrictions apply for the redemption of these investments and certain investments are prohibited by the Volcker Rule. See discussions in Notes 5 and 11.

Agriculture Loan Servicing

This asset results from our servicing of agriculture loans approved and funded by FAMC. We provide this servicing under an agreement with Farmer Mac for loans they own. The asset’s fair value represents our projection of the present value of future cash flows measured under Level 3 using discounted cash flow methodologies.

Interest-Only Strips

Interest-only strips are created as a by-product of the securitization process. When the guaranteed portions of SBA 7(a) loans are pooled, interest-only strips may be created in the pooling process. The asset’s fair value represents our projection of the present value of future cash flows measured under Level 3 using discounted cash flow methodologies.

Deferred Compensation Plan Assets and Obligations

Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued under Level 1 at quoted market prices, which represents the NAV of shares held by the plan at the end of the period.

Derivatives

Derivatives are measured according to their classification as either exchange-traded or over-the-counter (“OTC”). Exchange-traded derivatives consist of foreign currency exchange contracts measured under Level 1 because they are traded in active markets. OTC derivatives, including those for customers, consist of interest rate swaps and options. These derivatives are measured under Level 2 using third party services. Observable market inputs include yield curves (the LIBOR swap curve and relevant overnight index swap curves), foreign exchange rates, commodity prices, option volatilities, counterparty credit risk, and other related data. Credit valuation adjustments are required to reflect nonperformance risk for both the Company and the respective counterparty. These adjustments are determined generally by applying a credit spread to the total expected exposure of the derivative.

Securities Sold, Not Yet Purchased

Securities sold, not yet purchased, included in “Federal funds and other short-term borrowings” on the balance sheet, are measured under Level 1 using quoted market prices. If not available, quoted prices under Level 2 for similar securities are used.

Quantitative Disclosure of Fair Value Measurements

Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows:

(In thousands)	June 30, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	4,314,267	$	—	$	4,314,267
Municipal securities			202,657				202,657
Other debt securities			23,815				23,815
Money market mutual funds and other	103,360		8,316				111,676
	103,360		4,549,055		—		4,652,415
Trading account			74,519				74,519
Other noninterest-bearing investments:
Bank-owned life insurance			479,596				479,596
Private equity investments					110,115		110,115
Other assets:
Agriculture loan servicing and interest-only strips					13,502		13,502
Deferred compensation plan assets	89,729						89,729
Derivatives:
Interest rate related and other			3,963				3,963
Interest rate swaps for customers			43,968				43,968
Foreign currency exchange contracts	16,615						16,615
	16,615		47,931		—		64,546
	$	209,704	$	5,151,101	$	123,617	$	5,484,422
LIABILITIES
Securities sold, not yet purchased	$	11,397	$	—	$	—	$	11,397
Other liabilities:
Deferred compensation plan obligations	89,729						89,729
Derivatives:
Interest rate related and other			398				398
Interest rate swaps for customers			45,598				45,598
Foreign currency exchange contracts	14,249						14,249
	14,249		45,996		—		60,245
	$	115,375	$	45,996	$	—	$	161,371

(In thousands)	December 31, 2014
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	3,098,208	$	—	$	3,098,208
Municipal securities			185,093		4,164		189,257
Asset-backed securities:
Trust preferred – banks and insurance			22,701		393,007		415,708
Auction rate					4,761		4,761
Other			666		25		691
Money market mutual funds and other	105,348		30,275				135,623
	105,348		3,336,943		401,957		3,844,248
Trading account			70,601				70,601
Other noninterest-bearing investments:
Bank-owned life insurance			476,290				476,290
Private equity investments					99,865		99,865
Other assets:
Agriculture loan servicing and interest-only strips					12,227		12,227
Deferred compensation plan assets	88,878						88,878
Derivatives:
Interest rate related and other			1,508				1,508
Interest rate swaps for customers			48,287				48,287
Foreign currency exchange contracts	16,625						16,625
	16,625		49,795		—		66,420
	$	210,851	$	3,933,629	$	514,049	$	4,658,529
LIABILITIES
Securities sold, not yet purchased	$	24,230	$	—	$	—	$	24,230
Other liabilities:
Deferred compensation plan obligations	88,878						88,878
Derivatives:
Interest rate related and other			297				297
Interest rate swaps for customers			50,669				50,669
Foreign currency exchange contracts	15,272						15,272
	15,272		50,966		—		66,238
Other					13		13
	$	128,380	$	50,966	$	13	$	179,359

Reconciliation of Level 3 Fair Value Measurements

The following reconciles the beginning and ending balances of assets and liabilities that are measured at fair value by class on a recurring basis using Level 3 inputs:

	Level 3 Instruments
	Three Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2015	$	2,465		$	438,338		$	4,803		$	105,232		$	12,001		$	—
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	1			214
Dividends and other investment income (loss)										(1,633		)
Equity securities gains, net										714
Fixed income securities losses, net	(375		)	(136,368		)	(606		)
Other noninterest income													1,483
Other comprehensive income (loss)	560			148,496			(116		)
Purchases										7,262			210
Sales	(2,651		)	(437,442		)	(4,081		)	(991		)
Redemptions and paydowns				(13,238		)				(469		)	(192		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

	Level 3 Instruments
	Six Months Ended June 30, 2015
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Other			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2014	$	4,164		$	393,007		$	4,761		$	97,649		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	3			471
Dividends and other investment income (loss)										(559		)
Equity securities gains, net										3,967
Fixed income securities losses, net	(344		)	(136,691		)	(606		)
Other noninterest income													1,487
Other noninterest expense																13
Other comprehensive income (loss)	687			141,547			(74		)
Fair value of HTM securities reclassified as AFS				57,308
Purchases										12,314			381
Sales	(2,651		)	(440,055		)	(4,081		)	(2,508		)
Redemptions and paydowns	(1,859		)	(15,587		)				(748		)	(593		)
Balance at June 30, 2015	$	—		$	—		$	—		$	110,115		$	13,502		$	—

	Level 3 Instruments
	Three Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT		Auction rate		Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at March 31, 2014	$	10,184		$	690,217		$	—	$	6,560	$	30		$	81,052		$	11,207		$	(5,632	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	8			633					1
Dividends and other investment income (loss)														(1,052		)
Fair value and nonhedge derivative loss																				(467		)
Equity securities gains, net														584
Fixed income securities gains, net				4,383
Other noninterest income																	45
Other noninterest expense																				101
Other comprehensive income (loss)	92			6,878					17
Purchases														7,104			379
Sales														(15		)
Redemptions and paydowns	(246		)	(16,306		)					(2		)	(5,417		)	(170		)	5,866
Balance at June 30, 2014	$	10,038		$	685,805		$	—	$	6,578	$	28		$	82,256		$	11,461		$	(132	)

	Level 3 Instruments
	Six Months Ended June 30, 2014
(In thousands)	Municipal securities			Trust  preferred – banks and insurance			Trust preferred – REIT			Auction rate			Other asset-backed			Private equity investments			Ag loan svcg and int-only strips			Derivatives and other liabilities
Balance at December 31, 2013	$	10,662		$	1,238,820		$	22,996		$	6,599		$	25,800		$	82,410		$	8,852		$	(4,303	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	18			1,353						2
Dividends and other investment income (loss)																(2,747		)
Fair value and nonhedge derivative loss																						(7,894		)
Equity securities gains, net																584
Fixed income securities gains, net	16			22,965			1,399						10,917
Other noninterest income																			526
Other noninterest expense																						109
Other comprehensive income (loss)	(182		)	101,340						(23		)	(15		)
Purchases																8,460			2,456
Sales				(546,388		)							(36,669		)	(839		)
Redemptions and paydowns	(476		)	(63,092		)	(24,395		)				(5		)	(5,612		)	(373		)	11,956
Transfers to Level 2				(69,193		)
Balance at June 30, 2014	$	10,038		$	685,805		$	—		$	6,578		$	28		$	82,256		$	11,461		$	(132	)

Except for the transfers included in the previous schedule, no transfers of assets or liabilities occurred among Levels 1, 2 or 3 for the three and six months endedJune 30, 2015 and 2014. Transfers are considered to have occurred as of the end of the reporting period.

The preceding reconciling amounts using Level 3 inputs include the following realized amounts in the statement of income:

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015			2014
Dividends and other investment income	$	4		$	—	$	4		$	34
Fixed income securities gains (losses), net	(137,349		)	4,383		(137,641		)	35,297
Equity securities losses, net	(674		)	—		(674		)	—

Nonrecurring Fair Value Measurements

Included in the balance sheet amounts are the following amounts of assets that had fair value changes during the year-to-date period measured on a nonrecurring basis.

(In thousands)	Fair value at June 30, 2015								Fair value at December 31, 2014
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	3,547	$	3,547	$	—	$	—	$	23,454	$	23,454
Impaired loans	—		10,983		—		10,983		—		16,574		—		16,574
Other real estate owned	—		2,594		—		2,594		—		8,034		—		8,034
	$	—	$	13,577	$	3,547	$	17,124	$	—	$	24,608	$	23,454	$	48,062

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
ASSETS
HTM securities adjusted for OTTI	$	—		$	—		$	—		$	(27	)
Private equity investments, carried at cost	(1,125		)	(133		)	(2,278		)	(133		)
Impaired loans	(2,808		)	(8,662		)	(5,357		)	(13,189		)
Other real estate owned	(310		)	(937		)	(1,318		)	(3,171		)
	$	(4,243	)	$	(9,732	)	$	(8,953	)	$	(16,520	)

During the three and six months endedJune 30, we recognized net gains of $1.1 million and $1.9 million in 2015 and $1.5 million and $2.5 million in 2014 from the sale of other real estate owned (“OREO”) properties that had a carrying value at the time of sale of approximately $10.1 million and $24.6 million during the six months endedJune 30, 2015 and 2014, respectively. Previous to their sale in these periods, we recognized impairment on these properties of $0.3 million and $0.4 million in 2015 and $0.3 million and $0.5 million in 2014.

Private equity investments carried at cost were measured at fair value for impairment purposes according to the methodology previously discussed for these investments. Amounts of private equity investments carried at cost were $29.6 million at June 30, 2015 and $39.1 million at December 31, 2014. Amounts of other noninterest-bearing investments carried at cost were $244.1 million at June 30, 2015 and $250.7 million at December 31, 2014, which were comprised of Federal Reserve, Federal Home Loan Bank, and Farmer Mac stock.

Impaired (or nonperforming) loans that are collateral-dependent were measured at fair value based on the fair value of the collateral. OREO was measured initially at fair value based on property appraisals at the time of transfer and subsequently at the lower of cost or fair value.

Measurement of fair value for collateral-dependent loans and OREO was based on third party appraisals that utilize one or more valuation techniques (income, market and/or cost approaches). Any adjustments to calculated fair value were made based on recently completed and validated third party appraisals, third party appraisal services, automated valuation services, or our informed judgment. Evaluations were made to determine that the appraisal process met the relevant concepts and requirements of applicable accounting guidance.

Automated valuation services may be used primarily for residential properties when values from any of the previous methods were not available within 90 days of the balance sheet date. These services use models based on market,economic, and demographic values. The use of these models has only occurred in a very few instances and the related property valuations have not been significant to consider disclosure under Level 3 rather than Level 2.

Impaired loans not collateral-dependent were measured at fair valued based on the present value of future cash flows discounted at the expected coupon rates over the lives of the loans. Because the loans were not discounted at market interest rates, the valuations do not represent fair value and have been excluded from the nonrecurring fair value balance in the preceding schedules.

Fair Value of Certain Financial Instruments

Following is a summary of the carrying values and estimated fair values of certain financial instruments:

	June 30, 2015					December 31, 2014
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	570,869	$	578,327	3	$	647,252	$	677,196	3
Loans and leases (including loans held for sale), net of allowance	39,567,057		39,296,460		3	39,591,499		39,426,498		3
Financial liabilities:
Time deposits	2,263,146		2,265,320		2	2,406,924		2,408,550		2
Foreign deposits	372,106		372,069		2	328,391		328,447		2
Long-term debt (less fair value hedges)	1,050,367		1,091,173		2	1,090,778		1,159,287		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value. For financial assets, these include cash and due from banks and money market investments. For financial liabilities, these include demand, savings and money market deposits, and federal funds purchased and security repurchase agreements. The estimated fair value of demand, savings and money market deposits is the amount payable on demand at the reporting date. Carrying value is used because the accounts have no stated maturity and the customer has the ability to withdraw funds immediately. Also excluded from the summary are financial instruments recorded at fair value on a recurring basis, as previously described.

HTM investment securities primarily consist of municipal securities. They were measured at fair value according to the methodologies previously discussed for these investment types.

Loans are measured at fair value according to their status as nonimpaired or impaired. For nonimpaired loans, fair value is estimated by discounting future cash flows using the LIBOR yield curve adjusted by a factor which reflects the credit and interest rate risk inherent in the loan. These future cash flows are then reduced by the estimated “life-of-the-loan” aggregate credit losses in the loan portfolio. These adjustments for lifetime future credit losses are derived from the methods used to estimate the ALLL for our loan portfolio and are adjusted quarterly as necessary to reflect the most recent loss experience. Impaired loans are already considered to be held at fair value, except those whose fair value is determined by discounting cash flows, as discussed previously. See Impaired Loans in Note 6 for details on the impairment measurement method for impaired loans. Loans, other than those held for sale, are not normally purchased and sold by the Company, and there are no active trading markets for most of this portfolio.

Time and foreign deposits, and any other short-term borrowings, are measured at fair value by discounting future cash flows using the LIBOR yield curve to the given maturity dates.

Long-term debt is measured at fair value based on actual market trades (i.e., an asset value) when available, or discounting cash flows to maturity using the LIBOR yield curve adjusted for credit spreads.

These fair value disclosures represent our best estimates based on relevant market information and information about the financial instruments. Fair value estimates are based on judgments regarding current economic conditions, future expected loss experience, risk characteristics of the various instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of significant judgment, and cannot be determined with precision. Changes in these methodologies and assumptions could significantly affect the estimates.

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Consolidated Statements Of Income - Equity Component [Domain] - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest income:
Interest and fees on loans	$ 420,642	$ 433,802	$ 836,397	$ 868,151
Interest on money market investments	5,785	4,888	11,003	10,018
Interest on Securities	28,809	24,502	56,282	52,596
Interest expense:
Interest on deposits	12,321	12,096	24,425	24,875
Interest on short- and long-term borrowings	19,211	34,812	38,207	73,136
Total interest expense	31,532	46,908	62,632	98,011
Net interest income	423,704	416,284	841,050	832,754
Provision for loan losses	566	(54,416)	(928)	(55,026)
Net interest income after provision for loan losses	423,138	470,700	841,978	887,780
Noninterest income:
Service charges and fees on deposit accounts	41,616	41,400	82,810	82,600
Other service charges, commissions and fees	51,705	47,959	99,191	92,208
Wealth management income	8,160	7,980	15,775	15,057
Gain Loss On Sales Of Loans And Servicing Income	8,382	7,332	16,088	14,428
Capital markets and foreign exchange	7,275	5,875	12,776	10,919
Dividends and other investment income	9,343	7,995	18,715	15,859
Fair value and nonhedge derivative income (loss)	1,844	(1,934)	756	(10,473)
Equity securities gains, net	4,839	2,513	8,192	3,425
Fixed income securities gains (losses), net	(138,436)	5,026	(138,675)	35,940
Impairment losses on investment securities:
Impairment losses on investment securities	0	0	0	(27)
Non-credit losses on secutities not expectd to be sold (recognized in other comprehensive income)	0	0	0	0
Net impairment losses on investment securities	0	0	0	(27)
Other	5,693	703	6,615	3,227
Total noninterest income	421	124,849	122,243	263,163
Noninterest expense:
Salaries and employee benefits	251,133	238,760	494,652	472,162
Occupancy, net	30,095	28,939	59,434	57,244
Furniture, equipment and software	31,247	27,986	60,960	55,930
Other real estate expense, net	(445)	(266)	(71)	1,341
Credit-related expense	8,106	7,161	14,045	14,107
Provision for Unfunded Lending Commitments	2,326	(6,779)	1,115	(5,767)
Professional and legal services	13,110	12,171	24,593	23,166
Advertising	6,511	6,803	13,486	13,201
FDIC premiums	8,609	8,017	16,728	15,939
Amortization of core deposit and other intangibles	2,318	2,736	4,676	5,618
Debt extinguishment cost	2,395	0	2,395	0
Other	53,347	66,941	111,778	139,615
Total noninterest expense	404,100	406,027	801,561	804,090
Income before income taxes	19,459	189,522	162,660	346,853
Income taxes	5,499	69,972	56,675	126,093
Net income	13,960	119,550	105,985	220,760
Preferred stock dividends	(15,060)	(15,060)	(31,806)	(40,080)
Net earnings applicable to common shareholders	$ (1,100)	$ 104,490	$ 74,179	$ 180,680
Weighted average common shares outstanding during the period:
Basic shares	202,888	184,668	202,746	184,555
Diluted shares	202,888	185,286	203,295	185,202
Net earnings per common share:
Basic	$ (0.01)	$ 0.56	$ 0.36	$ 0.97
Diluted	$ (0.01)	$ 0.56	$ 0.36	$ 0.97
Interest and Dividend Income, Operating	$ 455,236	$ 463,192	$ 903,682	$ 930,765

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Offsetting Assets and Liabilities (Notes)

6 Months Ended

Jun. 30, 2015

Offsetting Assets and Liabilities [Abstract]

Cash, Cash Equivalents, and Short-term Investments [Text Block]

OFFSETTING ASSETS AND LIABILITIES

Gross and net information for selected financial instruments in the balance sheet is as follows:

	June 30, 2015
(In thousands)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,704,246	$	(300,000	)	$	1,404,246	$	—		$	—		$	1,404,246
Derivatives (included in other assets)	63,962		—			63,962		(6,224		)	—			57,738
	$	1,768,208	$	(300,000	)	$	1,468,208	$	(6,224	)	$	—		$	1,461,984
Liabilities:
Federal funds and other short-term borrowings	$	527,124	$	(300,000	)	$	227,124	$	—		$	—		$	227,124
Derivatives (included in other liabilities)	60,245		—			60,245		(6,224		)	(27,091		)	26,930
	$	587,369	$	(300,000	)	$	287,369	$	(6,224	)	$	(27,091	)	$	254,054

	December 31, 2014
(In thousands)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,386,291	$	—	$	1,386,291	$	—		$	—		$	1,386,291
Derivatives (included in other assets)	66,420		—		66,420		(3,755		)				62,665
	$	1,452,711	$	—	$	1,452,711	$	(3,755	)	$	—		$	1,448,956
Liabilities:
Federal funds and other short-term borrowings	$	244,223	$	—	$	244,223	$	—		$	—		$	244,223
Derivatives (included in other liabilities)	66,064		—		66,064		(3,755		)	(31,968		)	30,341
	$	310,287	$	—	$	310,287	$	(3,755	)	$	(31,968	)	$	274,564

Security resell and repurchase agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in the Company’s balance sheet. See Note 7 for further information regarding derivative instruments.

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Supplemental Cash Flow Information

6 Months Ended

Jun. 30, 2015

Supplemental Cash Flow Information [Abstract]

Cash Flow, Supplemental Disclosures [Text Block]

. SUPPLEMENTAL CASH FLOW INFORMATION

Noncash activities are summarized as follows:

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015		2014
Loans and leases transferred to other real estate owned	$	3,084		$	4,905	$	6,652	$	11,243
Loans held for sale reclassified as (from) loans and leases	(2,395		)	1,292		10,743		5,081
Amortized cost of HTM securities reclassified as AFS securities	—			—		79,276		—

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Supplemental Cash Flow Information (Tables)

6 Months Ended

Jun. 30, 2015

Supplemental Cash Flow Information [Abstract]

Schedule of Other Significant Noncash Transactions [Table Text Block]

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015		2014
Loans and leases transferred to other real estate owned	$	3,084		$	4,905	$	6,652	$	11,243
Loans held for sale reclassified as (from) loans and leases	(2,395		)	1,292		10,743		5,081
Amortized cost of HTM securities reclassified as AFS securities	—			—		79,276		—

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Commitments, Guarantees, And Contingent Liabilities

6 Months Ended

Jun. 30, 2015

Guarantees, Commitments And Contingencies [Abstract]

Guarantees, Commitments And Contingencies

COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES

Commitments and Guarantees

Contractual amounts of off-balance sheet financial instruments used to meet the financing needs of our customers are as follows:

(In thousands)	June 30, 2015		December 31, 2014
Net unfunded commitments to extend credit 1	$	16,678,282	$	16,658,757
Standby letters of credit:
Financial	677,693		745,895
Performance	193,710		183,482
Commercial letters of credit	37,674		32,144
Total unfunded lending commitments	$	17,587,359	$	17,620,278

¹  Net of participations

The Company’s 2014 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At June 30, 2015, the Company had recorded approximately $14.7 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $11.9 million attributable to the RULC and $2.8 million of deferred commitment fees.

At June 30, 2015, the Parent has guaranteed $15.0 million of debt of affiliated trusts issuing trust preferred securities.

At June 30, 2015, we had unfunded commitments for private equity investments of approximately $48 million. These obligations have no stated maturity. Certain PEIs related to these commitments are prohibited by the Volcker Rule. See related discussions about these investments in Notes 5 and 10.

Legal Matters

We are subject to litigation in court and arbitral proceedings, as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters.

As of June 30, 2015, we were subject to the following material litigation and governmental inquiries:

• a class action case, Reyes v. Zions First National Bank, et. al., which was brought in the United States District Court for the Eastern District of Pennsylvania in early 2010. This case relates to our banking relationships with customers that allegedly engaged in wrongful telemarketing practices. The plaintiff is seeking a trebled monetary award under the federal RICO Act. In the third quarter of 2013, the District Court denied the plaintiff’s motion for class certification in the Reyes case. The plaintiff appealed the District Court decision to the Third Circuit Court of Appeals. The Third Circuit had not ruled on the appeals as of August 2015.

• a governmental inquiry into possible money laundering activities of a customer of one of our subsidiary banks and the anti-money laundering practices of that bank (conducted by the United States Attorney’s Office for the Southern District of New York). Our first contact with the United States Attorney’s Office relating to this matter occurred in early 2012. We are unclear about the status of this inquiry.

• a governmental inquiry into the practices of our subsidiary, Zions Bank; our former subsidiary, NetDeposit, LLC; and possibly other of our affiliates relating primarily to payment processing for allegedly fraudulent telemarketers and other customer types (conducted by the Department of Justice). This inquiry has been directed towards the banking industry generally, including numerous banks unrelated to us, and has led to a number of enforcement actions. Our first contact with the Department of Justice relating to this matter occurred in early 2013. We are unclear about the status of the inquiry as it relates to us.

At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters.

In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available as of June 30, 2015, we estimated the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $50 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which an estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure.

Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period.

Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

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Derivative Instruments And Hedging Activities

6 Months Ended

Jun. 30, 2015

Summary of Derivative Instruments [Abstract]

Derivative Instruments And Hedging Activities

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Objectives

Our objectives in using derivatives are to add stability to interest income or expense, to modify the duration of specific assets or liabilities as we consider advisable, to manage exposure to interest rate movements or other identified risks, and/or to directly offset derivatives sold to our customers. To accomplish these objectives, we use interest rate swaps as part of our cash flow hedging strategy. These derivatives are used to hedge the variable cash flows associated with designated commercial loans.

Interest rate swap agreements designated as cash flow hedges involve the receipt of fixed-rate amounts in exchange for variable rate payments over the life of the agreements without exchange of the underlying principal amount. Derivatives not designated as accounting hedges, including basis swap agreements, are not speculative and are used to economically manage our exposure to interest rate movements and other identified risks, but do not meet the strict hedge accounting requirements.

Accounting

We record all derivatives on the balance sheet at fair value. Note 10 discusses the process to estimate fair value for derivatives. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting designation. Derivatives used to hedge the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected cash flows, or other types of forecasted transactions, are considered cash flow hedges.

For derivatives designated as fair value hedges, changes in the fair value of the derivative are recognized in earnings together with changes in the fair value of the related hedged item. The net amount, if any, representing hedge ineffectiveness, is reflected in earnings. In previous years, we used fair value hedges to manage interest rate exposure to certain long-term debt. These hedges have been terminated and their remaining balances are being amortized into earnings, as discussed subsequently.

For derivatives designated as cash flow hedges, the effective portion of changes in the fair value of the derivative are recorded in OCI and recognized in earnings when the hedged transaction affects earnings. The ineffective portion of changes in the fair value of cash flow hedges is recognized directly in earnings.

No derivatives have been designated for hedges of investments in foreign operations.

We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transaction. For derivatives not designated as accounting hedges, changes in fair value are recognized in earnings.

The remaining balances of any derivative instruments terminated prior to maturity, including amounts in accumulated other comprehensive income (“AOCI”) for swap hedges, are accreted or amortized to interest income or expense over the period to their previously stated maturity dates.

Amounts in AOCI are reclassified to interest income as interest is earned on variable rate loans and as amounts for terminated hedges are accreted or amortized to earnings. For the 12 months following June 30, 2015, we estimate that an additional$8.7 millionwill be reclassified.

Collateral and Credit Risk

Exposure to credit risk arises from the possibility of nonperformance by counterparties. Financial institutions which are well capitalized and well established are the counterparties for those derivatives entered into for asset liability management and to offset derivatives sold to our customers. The Company reduces its counterparty exposure for derivative contracts by centrally clearing all eligible derivatives.

For those derivatives that are not centrally cleared, the counterparties are typically financial institutions or customers of the Company. For those that are financial institutions, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to International Swaps and Derivative Association (“ISDA”) master agreements. Eligible collateral types are documented by the CSA and are controlled under the Company’s general credit policies and are typically monitored on a daily basis. A valuation haircut policy reflects the fact that collateral may fall in value between the date the collateral is called and the date of liquidation or enforcement. In practice, all of the Company’s collateral held as credit risk mitigation under a CSA is cash.

We offer interest rate swaps to our customers to assist them in managing their exposure to changing interest rates. Upon issuance, all of these customer swaps are immediately offset through matching derivative contracts, such that the Company minimizes its interest rate risk exposure resulting from such transactions. Most of these customers do not have the capability for centralized clearing. Therefore we manage the credit risk through loan underwriting which includes a credit risk exposure formula for the swap, the same collateral and guarantee protection applicable to the loan and credit approvals, limits, and monitoring procedures. Fee income from customer swaps is included in other service charges, commissions and fees. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. Nevertheless, the related credit risk is considered and measured when and where appropriate. See Note 6 for further discussion of our underwriting, collateral requirements, and other procedures used to address credit risk.

Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for under their contracts. At June 30, 2015, the fair value of our derivative liabilities was $60.2 million, for which we were required to pledge cash collateral of approximately $46.3 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s or Moody’s at June 30, 2015, the additional amount of collateral we could be required to pledge is approximately $1.7 million. As a result of the Dodd-Frank Act, all newly eligible derivatives entered into are cleared through a central clearinghouse. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded.

Derivative Amounts

Selected information with respect to notional amounts and recorded gross fair values at June 30, 2015 and December 31, 2014, and the related gain (loss) of derivative instruments for the three and six months endedJune 30, 2015 and 2014 is summarized as follows:

	June 30, 2015						December 31, 2014
	Notional amount		Fair value				Notional amount		Fair value
(In thousands)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments
Cash flow hedges:
Interest rate swaps	$	737,500	$	3,379	$	398	$	275,000	$	1,508	$	123
Total derivatives designated as hedging instruments	737,500		3,379		398		275,000		1,508		123
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2	2,984,909		43,968		45,598		2,770,052		48,287		50,669
Foreign exchange	315,300		16,615		14,249		443,721		16,625		15,272
Total derivatives not designated as hedging instruments	3,300,209		60,583		59,847		3,213,773		64,912		65,941
Total derivatives	$	4,037,709	$	63,962	$	60,245	$	3,488,773	$	66,420	$	66,064

	Three Months Ended June 30, 2015									Six Months Ended June 30, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI			Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	(424	)	$	1,218					$	3,829	$	2,234
	(424		)	1,218						3,829		2,234
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	465							$	933
Total derivatives designated as hedging instruments	(424		)	1,218				465		3,829		2,234				933
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2						$	3,873							$	4,390
Futures contracts						—								1
Foreign exchange						1,697								4,432
Total derivatives not designated as hedging instruments						5,570								8,823
Total derivatives	$	(424	)	$	1,218	$	5,570	$	465	$	3,829	$	2,234	$	8,823	$	933

	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	1,988	$	577						$	2,526	$	928
	1,988		577							2,526		928
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	608								$	1,326
Total derivatives designated as hedging instruments	1,988		577					608		2,526		928					1,326
Derivatives not designated as hedging instruments
Interest rate swaps					$	348								$	354
Interest rate swaps for customers 2					(377		)							(926		)
Foreign exchange					1,998									3,709
Total return swap					(467		)							(7,894		)
Total derivatives not designated as hedging instruments					1,502									(4,757		)
Total derivatives	$	1,988	$	577	$	1,502		$	608	$	2,526	$	928	$	(4,757	)	$	1,326

Note: These schedules are not intended to present at any given time the Company’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain.

²  Notional amounts include both the customer swaps and the offsetting derivative contracts.

³  Amounts for the three and six months endedJune 30, of $1.2 million and $2.2 million in 2015, and $0.6 million and $0.9 million in 2014, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

At June 30, the fair values of derivative assets and liabilities were reduced by net credit valuation adjustments of $1.7 million and $0.1 million in 2015, and $1.9 million and $0.5 million in 2014, respectively. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

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Debt And Shareholders' Equity (Narrative) (Details) - USD ($)
number in Thousands, $ in Thousands

3 Months Ended

6 Months Ended

Jun. 30, 2015

Jun. 30, 2015

Jun. 30, 2015

Jun. 30, 2014

Dec. 31, 2014

Debt And Shareholders' Equity [Line Items]

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In thousands)	June 30, 2015		December 31, 2014
Junior subordinated debentures related to trust preferred securities	$	164,950	$	168,043
Convertible subordinated notes	143,964		132,838
Subordinated notes	334,888		335,798
Senior notes	406,149		432,385
FHLB advances	—		22,156
Capital lease obligations	987		1,062
Total	$	1,050,938	$	1,092,282

Junior Subordinated Notes

$ 164,950

$ 164,950

$ 164,950

$ 168,043

Convertible Subordinated Debt

143,964

143,964

143,964

132,838

Subordinated Debt

334,888

334,888

334,888

335,798

Other Comprehensive Income (Loss), before Reclassifications, Net of Tax

8,439

$ 83,190

Stockholders' Equity [Abstract]

Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax

84,430

$ (27,926)

Subordinated Debt, Current

228,961

228,961

228,961

Senior Notes

406,149

406,149

406,149

432,385

Federal Home Loan Bank Advances, Redeemed

22,000

Capital Lease Obligations

987

987

987

1,062

Long-term Debt, Gross

1,050,938

1,050,938

1,050,938

$ 1,092,282

Medium-term Notes

$ 11,100

11,100

11,100

Trust Preferred Securities, Redeemed

3,100

Convertible Subordinated Note, Coupon Rate 6.00% [Member]

Debt And Shareholders' Equity [Line Items]

Subordinated Borrowing, Interest Rate

0.00%

Stockholders' Equity [Abstract]

Convertible Subordinated Debt, Current

$ 76,523

$ 76,523

76,523

Debt Instrument, Maturity Date

Sep. 15, 2015

Subordinated Notes, Coupon Rate 6.00% [Member]

Debt And Shareholders' Equity [Line Items]

Subordinated Borrowing, Interest Rate

0.00%

Stockholders' Equity [Abstract]

Subordinated Debt, Current

$ 32,520

$ 32,520

32,520

Debt Instrument, Maturity Date

Sep. 15, 2015

Convertible Subordinated Notes, Coupn Rate 5.50% [Member]

Debt And Shareholders' Equity [Line Items]

Subordinated Borrowing, Interest Rate

0.00%

Stockholders' Equity [Abstract]

Convertible Subordinated Debt, Current

$ 67,441

$ 67,441

67,441

Debt Instrument, Maturity Date

Nov. 16, 2015

Subordinated Notes, Coupon Rate 5.50% [Member] [Member]

Debt And Shareholders' Equity [Line Items]

Subordinated Borrowing, Interest Rate

0.00%

Stockholders' Equity [Abstract]

Subordinated Debt, Current

$ 52,477

$ 52,477

52,477

Debt Instrument, Maturity Date

Nov. 16, 2015

Senior medium-term notes, optional early redemptions in 2015 [Member]

Debt And Shareholders' Equity [Line Items]

Long-term Senior notes redeemed

$ 19,000

$ 27,000

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Investment Securities

6 Months Ended

Jun. 30, 2015

Investments [Abstract]

Investment Securities

INVESTMENTS

Investment Securities

Investment securities are summarized below. Note 10 discusses the process to estimate fair value for investment securities.

	June 30, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	570,869	$	9,584	$	2,126	$	578,327
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	661,118		1,214		11,875		650,457
Agency guaranteed mortgage-backed securities	2,001,120		9,741		9,281		2,001,580
Small Business Administration loan-backed securities	1,653,333		16,828		7,931		1,662,230
Municipal securities	202,372		796		511		202,657
Other debt securities	25,519		219		1,923		23,815
	4,543,462		28,798		31,521		4,540,739
Money market mutual funds and other	111,608		68		—		111,676
	4,655,070		28,866		31,521		4,652,415
Total	$	5,225,939	$	38,450	$	33,647	$	5,230,742

	December 31, 2014
			Recognized in OCI 1						Not recognized in OCI
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Carrying value		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	607,675	$	—	$	—	$	607,675	$	13,018	$	804	$	619,889
Asset-backed securities:
Trust preferred securities – banks and insurance	79,276		—		39,699		39,577		18,393		663		57,307
	686,951		—		39,699		647,252		31,411		1,467		677,196
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	607,523		1,572		8,343		600,752						600,752
Agency guaranteed mortgage-backed securities	935,164		12,132		2,105		945,191						945,191
Small Business Administration loan-backed securities	1,544,710		16,446		8,891		1,552,265						1,552,265
Municipal securities	189,059		1,143		945		189,257						189,257
Asset-backed securities:
Trust preferred securities – banks and insurance	537,589		103		121,984		415,708						415,708
Other	5,252		207		7		5,452						5,452
	3,819,297		31,603		142,275		3,708,625						3,708,625
Money market mutual funds and other	136,591		76		1,044		135,623						135,623
	3,955,888		31,679		143,319		3,844,248						3,844,248
Total	$	4,642,839	$	31,679	$	183,018	$	4,491,500					$	4,521,444

¹  Other comprehensive income

CDO Sales and Paydowns

During the second quarter of 2015, we sold the remaining portfolio of our collateralized debt obligation (“CDO”) securities, or $574 million at amortized cost, and realized net losses of approximately $137 million. Unrealized losses included in OCI at March 31, 2015 were $148 million. We also received approximately $13 million in paydowns and payoffs of CDO securities during the quarter prior to the sale of the CDOs.

During the first quarter of 2015, we reclassified all of the remaining held-to-maturity (“HTM”) CDO securities, or approximately $79 million at amortized cost, to available-for-sale (“AFS”) securities. The reclassification resulted from increased risk weights for these securities under the new Basel III capital rules, and was made in accordance with applicable accounting guidance that allows for such reclassifications when increased risk weights of debt securities must be used for regulatory risk-based capital purposes. No gain or loss was recognized in the statement of income at the time of reclassification.

During the first half of 2014, we recorded a total of $1,018 million par amount of sales and paydowns of CDO securities, resulting in net gains of approximately $36 million. These sales were made in part as a result of the Volcker Rule (“VR”).

Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of June 30, 2015 by expected timing of principal payments. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

	Held-to-maturity				Available-for-sale
(In thousands)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Principal return in one year or less	$	89,799	$	90,840	$	686,832	$	687,548
Principal return after one year through five years	183,910		186,348		1,901,910		1,902,874
Principal return after five years through ten years	155,474		159,795		1,419,932		1,418,243
Principal return after ten years	141,686		141,344		534,788		532,074
	$	570,869	$	578,327	$	4,543,462	$	4,540,739

The following is a summary of the amount of gross unrealized losses for investment securities and the estimated fair value by length of time the securities have been in an unrealized loss position:
	June 30, 2015
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	2,036	$	150,067	$	90	$	3,818	$	2,126	$	153,885
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	5,823		162,727		6,052		291,372		11,875		454,099
Agency guaranteed mortgage-backed securities	8,960		1,497,852		321		19,035		9,281		1,516,887
Small Business Administration loan-backed securities	3,622		347,566		4,309		330,790		7,931		678,356
Municipal securities	492		57,736		19		1,627		511		59,363
Other debt securities	—		—		1,923		13,080		1,923		13,080
	18,897		2,065,881		12,624		655,904		31,521		2,721,785
Total	$	20,933	$	2,215,948	$	12,714	$	659,722	$	33,647	$	2,875,670

	December 31, 2014
	Less than 12 months				12 months or more				Total
(In thousands)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	527	$	62,762	$	277	$	14,003	$	804	$	76,765
Asset-backed securities:
Trust preferred securities – banks and insurance	53		122		40,309		57,186		40,362		57,308
	580		62,884		40,586		71,189		41,166		134,073
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	4,510		295,694		3,833		101,188		8,343		396,882
Agency guaranteed mortgage-backed securities	1,914		425,114		191		12,124		2,105		437,238
Small Business Administration loan-backed securities	5,869		495,817		3,022		175,523		8,891		671,340
Municipal securities	258		36,551		687		4,616		945		41,167
Asset-backed securities:
Trust preferred securities – banks and insurance	—		—		121,984		405,605		121,984		405,605
Other	7		1,607		—		—		7		1,607
	12,558		1,254,783		129,717		699,056		142,275		1,953,839
Money market mutual funds and other	1,044		71,907		—		—		1,044		71,907
	13,602		1,326,690		129,717		699,056		143,319		2,025,746
Total	$	14,182	$	1,389,574	$	170,303	$	770,245	$	184,485	$	2,159,819

At June 30, 2015 and December 31, 2014, respectively, 287 and 153 HTM and 545 and 458 AFS investment securities were in an unrealized loss position.

Other-Than-Temporary Impairment

Ongoing Policy

We review investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). We assess whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the balance sheet date (the majority of the investment portfolio are debt securities). Under these circumstances, OTTI is considered to have occurred if (1) we have formed a documented intent to sell identified securities or initiated such sales; (2) it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not sufficient to recover the entire amortized cost basis.

Noncredit-related OTTI in securities we intend to sell is recognized in earnings as is any credit-related OTTI in securities, regardless of our intent. Noncredit-related OTTI on AFS securities not expected to be sold is recognized in OCI. The amount of noncredit-related OTTI in a security is quantified as the difference in a security’s amortized cost after adjustment for credit impairment, and its lower fair value. Presentation of OTTI is made in the statement of income on a gross basis with an offset for the amount of OTTI recognized in OCI.

OTTI Conclusions

Our 2014 Annual Report on Form 10-K describes in more detail our OTTI evaluation process. The following summarizes the conclusions from our OTTI evaluation by each security type that has significant gross unrealized losses at June 30, 2015:

OTTI – U.S. Government Agencies and Corporations

Agency Securities: These securities were issued by the Federal Agricultural Mortgage Corporation (“FAMC”) and the Export-Import Bank of the U.S. These securities are floating-rate and were purchased at premiums or discounts. They have maturity dates from 1 to 25 years and have contractual cash flows guaranteed by agencies of the U.S. Government. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

Agency Guaranteed Mortgage-Backed Securities: These pass-through securities are comprised largely of fixed and floating-rate residential mortgage-backed securities issued by the Government National Mortgage Association (“GNMA”), the Federal National Mortgage Association, or the Federal Home Loan Mortgage Corporation. They were generally purchased at premiums with maturity dates from 10 to 15 years for fixed-rate securities and 30 years for floating-rate securities. These securities benefit from certain guarantee provisions or, in the case of GNMA, direct U.S. government guarantees. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

Small Business Administration (“SBA”) Loan-Backed Securities: These securities were generally purchased at premiums with maturities from 5 to 25 years and have principal cash flows guaranteed by the SBA. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At June 30, 2015, we did not have an intent to sell identified SBA securities with unrealized losses or initiate such sales, and we believe it is more likely than not we would not be required to sell such securities before recovery of their amortized cost basis. Therefore, we did not record OTTI for these securities during the second quarter of 2015.

The following is a tabular rollforward of the total amount of credit-related OTTI:

(In thousands)	Three Months Ended June 30, 2015								Six Months Ended June 30, 2015
	HTM		AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	(103,238	)	$	(103,238	)	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		103,238			103,238			—			104,551			104,551
Reclassification of securities from HTM to AFS	—		—			—			9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—		$	—		$	—		$	—		$	—

(In thousands)	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	HTM			AFS			Total			HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,052	)	$	(176,833	)	$	(185,885	)
Additions recognized in earnings during the period:
Additional credit-related OTTI on securities previously impaired	—			—			—			(27		)	—			(27		)
Reductions for securities sold or paid off during the period	—			—			—			—			12,919			12,919
Balance of credit-related OTTI at end of period	$	(9,079	)	$	(163,914	)	$	(172,993	)	$	(9,079	)	$	(163,914	)	$	(172,993	)

The following summarizes gains and losses, including OTTI, that were recognized in the statement of income:

	Three Months Ended									Six Months Ended
	June 30, 2015					June 30, 2014				June 30, 2015					June 30, 2014
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses		Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	—	$	—	$	1	$	—		$	—	$	27
Available-for-sale	7,402		146,315			5,032		1,238		8,360		147,513			77,593		42,885
Other noninterest-bearing investments	6,008		692			3,745		—		9,603		934			4,657		—
	13,410		147,007			8,777		1,238		17,964		148,447			82,250		42,912
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338
Statement of income information:
Net impairment losses on investment securities			$	—				$	—			$	—				$	(27	)
Equity securities gains, net			4,839					2,513				8,192					3,425
Fixed income securities gains (losses), net			(138,436		)			5,026				(138,675		)			35,940
Net gains (losses)			$	(133,597	)			$	7,539			$	(130,483	)			$	39,338

Interest income by security type is as follows:

(In thousands)	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	3,093	$	2,774	$	5,867	$	6,685	$	5,636	$	12,321
Available-for-sale	21,637		695		22,332		41,405		1,348		42,753
Trading	610		—		610		1,208		—		1,208
	$	25,340	$	3,469	$	28,809	$	49,298	$	6,984	$	56,282

(In thousands)	Three Months Ended June 30, 2014						Six Months Ended June 30, 2014
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	3,721	$	2,807	$	6,528	$	7,549	$	5,643	$	13,192
Available-for-sale	16,780		628		17,408		37,204		1,152		38,356
Trading	566		—		566		1,048		—		1,048
	$	21,067	$	3,435	$	24,502	$	45,801	$	6,795	$	52,596

Investment securities with a carrying value of $1.6 billion at June 30, 2015 and $1.4 billion at December 31, 2014 were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

Private Equity Investments

Effect of Volcker Rule

The VR, as published pursuant to the Dodd-Frank Act in December 2013 and amended in January 2014, significantly restricted certain activities by covered bank holding companies, including restrictions on certain types of securities, proprietary trading, and private equity investing. The Company’s private equity investments (“PEIs”) consist of Small Business Investment Companies (“SBICs”) and non-SBICs. As of December 31, 2014, the only prohibited investments under the VR requiring divestiture by the Company were certain of its PEIs. Of the recorded PEIs of $131 million at June 30, 2015, approximately $25 million remain prohibited by the VR.

As of June 30, 2015, we have sold a total of approximately $17 million of PEIs as follows: $4 million during the second quarter of 2015, $5 million during the first quarter of 2015, and $8 million during 2014. All of these sales related to prohibited PEIs. The 2015 sales resulted in insignificant amounts of realized gains or losses. We will dispose of the remaining $25 million of prohibited PEIs before the required deadline. However, the required deadline has been extended to July 21, 2016 from July 21, 2015 and the Federal Reserve has announced its intention to act in 2015 to grant an additional one-year extension to July 21, 2017. See other discussions in Notes 10 and 11.

As discussed in Note 11, we have $48 million at June 30, 2015 of unfunded commitments for PEIs, of which approximately $7 million relate to prohibited PEIs. Until we dispose of the prohibited PEIs, we expect to fund these commitments if and as the capital calls are made, as allowed under the VR.

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Loans And Allowance For Credit Losses

6 Months Ended

Jun. 30, 2015

Loans And Allowance For Credit Losses [Abstract]

Loans And Allowance For Credit Losses

LOANS AND ALLOWANCE FOR CREDIT LOSSES

Loans and Loans Held for Sale

Loans are summarized as follows according to major portfolio segment and specific loan class:

(In thousands)	June 30, 2015		December 31, 2014
Loans held for sale	$	152,448	$	132,504
Commercial:
Commercial and industrial	$	13,110,925	$	13,162,955
Leasing	401,548		408,974
Owner occupied	7,277,208		7,351,548
Municipal	588,985		520,887
Total commercial	21,378,666		21,444,364
Commercial real estate:
Construction and land development	2,061,716		1,986,408
Term	8,058,285		8,126,600
Total commercial real estate	10,120,001		10,113,008
Consumer:
Home equity credit line	2,348,327		2,321,150
1-4 family residential	5,193,463		5,200,882
Construction and other consumer real estate	371,622		370,542
Bankcard and other revolving plans	409,471		401,352
Other	202,434		212,360
Total consumer	8,525,317		8,506,286
Total loans	$	40,023,984	$	40,063,658

Loan balances are presented net of unearned income and fees, which amounted to $141.0 million at June 30, 2015 and $144.7 million at December 31, 2014.

Owner occupied and commercial real estate (“CRE”) loans include unamortized premiums of approximately $31.1 million at June 30, 2015 and $36.5 million at December 31, 2014.

Municipal loans generally include loans to municipalities with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment.

Land development loans included in the construction and land development loan class were $419.4 million at June 30, 2015 and $484.9 million at December 31, 2014.

Loans with a carrying value of approximately $22.4 billion at June 30, 2015 and $22.5 billion at December 31, 2014 have been pledged at the Federal Reserve and various Federal Home Loan Banks (“FHLBs”) as collateral for potential borrowings.

We sold loans with a carrying value of $335.8 million and $636.2 million for the three and six months endedJune 30, 2015, and $260.1 million and $597.7 million, for the three and six months endedJune 30, 2014, respectively, that were classified as loans held for sale. The sold loans were derecognized from the balance sheet. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of SBA loans. The principal balance of sold loans for which we retain servicing was approximately $1.2 billion at both June 30, 2015 and December 31, 2014.

Amounts added to loans held for sale during these periods were $359.0 million and $668.7 million for the three and six months endedJune 30, 2015, and $301.6 million and $597.1 million for the three and six months endedJune 30, 2014, respectively. Income from loans sold, excluding servicing, was $4.3 million and $8.9 million for the three and six months endedJune 30, 2015, and $3.6 million and $7.1 million for the three and six months endedJune 30, 2014, respectively.

Since 2009, CB&T and NSB have had loss sharing agreements with the Federal Deposit Insurance Corporation (“FDIC”), which provided indemnification for credit losses of acquired loans and foreclosed assets up to specified thresholds. The last of the agreements for commercial loans, which comprised the major portion of the acquired portfolio, expired as of September 30, 2014. The agreements for 1-4 family residential loans will expire in 2019. In previous periods, the FDIC-supported loan balances were presented separately in this footnote and in other disclosures, and included purchased credit-impaired (“PCI”) loans, as subsequently discussed in Purchased Loans. Due to declining balances, for all periods presented herein, the FDIC-supported/PCI loans have been reclassified to their respective loan segments and classes.

Allowance for Credit Losses

The allowance for credit losses (“ACL”) consists of the allowance for loan and lease losses (“ALLL”) (also referred to as the allowance for loan losses) and the reserve for unfunded lending commitments (“RULC”).

Allowance for Loan and Lease Losses

The ALLL represents our estimate of probable and estimable losses inherent in the loan and lease portfolio as of the balance sheet date. Losses are charged to the ALLL when recognized. Generally, commercial loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due unless the loan is well secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ALLL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses so the ALLL is at an appropriate level at the balance sheet date.

We determine our ALLL as the best estimate within a range of estimated losses. The methodologies we use to estimate the ALLL depend upon the impairment status and portfolio segment of the loan. The methodology for impaired loans is discussed subsequently. For the commercial and CRE segments, we use a comprehensive loan grading system to assign probability of default (“PD”) and loss given default (“LGD”) grades to each loan. The credit quality indicators discussed subsequently are based on this grading system. In addition, loan officers utilize their experience and judgment in assigning PD and LGD grades, subject to confirmation of the PD and LGD by either credit risk or credit examination. We create groupings of these grades for each subsidiary bank and loan class and calculate historic loss rates using a loss migration analysis that attributes historic realized losses to these loan grade groupings over the period of January 2008 through the most recent full quarter.

For the consumer loan segment, we use roll rate models to forecast probable inherent losses. Roll rate models measure the rate at which consumer loans migrate from one delinquency category to the next worse delinquency category, and eventually to loss. We estimate roll rates for consumer loans using recent delinquency and loss experience by segmenting our consumer loan portfolio into separate pools based on common risk characteristics and separately calculating historical delinquency and loss experience for each pool. These roll rates are then applied to current delinquency levels to estimate probable inherent losses. When long-term average losses exceed those losses estimated through roll rates, we use long-term average loss rates for the applicable pools. Roll rates incorporate housing market trends inasmuch as these trends manifest themselves in charge-offs and delinquencies. In addition, our qualitative and environmental factors discussed subsequently incorporate the most recent housing market trends.

The current status and historical changes in qualitative and environmental factors may not be reflected in our quantitative models. Thus, after applying historical loss experience, as described above, we review the quantitatively derived level of ALLL for each segment using qualitative criteria and use those criteria to determine our estimate within the range. We track various risk factors that influence our judgment regarding the level of the ALLL across the portfolio segments. These factors primarily include:

• Asset quality trends

• Risk management and loan administration practices

• Risk identification practices

• Effect of changes in the nature and volume of the portfolio

• Existence and effect of any portfolio concentrations

• National economic and business conditions

• Regional and local economic and business conditions

• Data availability and applicability

• Effects of other external factors

The magnitude of the impact of these factors on our qualitative assessment of the ALLL changes from quarter to quarter according to changes made by management in its assessment of these factors, the extent these factors are already reflected in historic loss rates, and the extent changes in these factors diverge from one to another. We also consider the uncertainty inherent in the estimation process when evaluating the ALLL.

Reserve for Unfunded Lending Commitments

We also estimate a reserve for potential losses associated with off-balance sheet commitments, including standby letters of credit. We determine the RULC using the same procedures and methodologies that we use for the ALLL. The loss factors used in the RULC are the same as the loss factors used in the ALLL, and the qualitative adjustments used in the RULC are the same as the qualitative adjustments used in the ALLL. We adjust the Company’s unfunded lending commitments that are not unconditionally cancelable to an outstanding amount equivalent using credit conversion factors, and we apply the loss factors to the outstanding equivalents.

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended June 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	442,072		$	131,615		$	46,326		$	620,013
Additions:
Provision for loan losses	5,941			(4,983		)	(392		)	566
Adjustment for FDIC-supported/PCI loans	(19		)	57						38
Deductions:
Gross loan and lease charge-offs	(23,822		)	(3,943		)	(3,283		)	(31,048		)
Recoveries	13,598			3,050			3,158			19,806
Net loan and lease charge-offs	(10,224		)	(893		)	(125		)	(11,242		)
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	62,775		$	18,937		$	575		$	82,287
Provision credited to earnings	(2,001		)	(298		)	(27		)	(2,326		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

	Six Months Ended June 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	412,514		$	145,009		$	47,140		$	604,663
Additions:
Provision for loan losses	30,875			(31,870		)	67			(928		)
Adjustment for FDIC-supported/PCI loans	(57		)	57			—			—
Deductions:
Gross loan and lease charge-offs	(39,773		)	(4,569		)	(6,894		)	(51,236		)
Recoveries	34,211			17,169			5,496			56,876
Net loan and lease charge-offs	(5,562		)	12,600			(1,398		)	5,640
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	1,843			(2,878		)	(80		)	(1,115		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

	Three Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	477,701		$	208,149		$	51,103		$	736,953
Additions:
Provision for loan losses	(29,574		)	(20,272		)	(4,570		)	(54,416		)
Adjustment for FDIC-supported/PCI loans	(384		)	—			(60		)	(444		)
Deductions:
Gross loan and lease charge-offs	(16,023		)	(2,961		)	(4,416		)	(23,400		)
Recoveries	11,245			3,024			2,945			17,214
Net loan and lease charge-offs	(4,778		)	63			(1,471		)	(6,186		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	49,870		$	35,273		$	3,550		$	88,693
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

	Six Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	469,213		$	216,012		$	61,066		$	746,291
Additions:
Provision for loan losses	(18,314		)	(23,163		)	(13,549		)	(55,026		)
Adjustment for FDIC-supported/PCI loans	(1,165		)	—			(96		)	(1,261		)
Deductions:
Gross loan and lease charge-offs	(25,819		)	(10,815		)	(7,561		)	(44,195		)
Recoveries	19,050			5,906			5,142			30,098
Net loan and lease charge-offs	(6,769		)	(4,909		)	(2,419		)	(14,097		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	89,705
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	June 30, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	37,037	$	3,329	$	10,382	$	50,748
Collectively evaluated for impairment	400,472		122,295		34,721		557,488
Purchased loans with evidence of credit deterioration	261		172		706		1,139
Total	$	437,770	$	125,796	$	45,809	$	609,375
Outstanding loan balances:
Individually evaluated for impairment	$	275,607	$	133,839	$	90,220	$	499,666
Collectively evaluated for impairment	21,034,441		9,915,236		8,422,221		39,371,898
Purchased loans with evidence of credit deterioration	68,618		70,926		12,876		152,420
Total	$	21,378,666	$	10,120,001	$	8,525,317	$	40,023,984

	December 31, 2014
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	28,627	$	4,027	$	9,059	$	41,713
Collectively evaluated for impairment	382,552		140,090		37,508		560,150
Purchased loans with evidence of credit deterioration	1,335		892		573		2,800
Total	$	412,514	$	145,009	$	47,140	$	604,663
Outstanding loan balances:
Individually evaluated for impairment	$	259,207	$	167,435	$	95,267	$	521,909
Collectively evaluated for impairment	21,105,217		9,861,862		8,395,371		39,362,450
Purchased loans with evidence of credit deterioration	79,940		83,711		15,648		179,299
Total	$	21,444,364	$	10,113,008	$	8,506,286	$	40,063,658

Nonaccrual and Past Due Loans

Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain.

A nonaccrual loan may be returned to accrual status when all delinquent interest and principal become current in accordance with the terms of the loan agreement; the loan, if secured, is well secured; the borrower has paid according to the contractual terms for a minimum of six months; and analysis of the borrower indicates a reasonable assurance of the ability and willingness to maintain payments. Payments received on nonaccrual loans are applied as a reduction to the principal outstanding.

Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credit such as charge-card plans and other revolving credit plans are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semiannual, etc.), single payment, and demand notes are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more.

Nonaccrual loans are summarized as follows:
(In thousands)	June 30, 2015		December 31, 2014
Commercial:
Commercial and industrial	$	164,700	$	105,591
Leasing	173		295
Owner occupied	89,356		87,243
Municipal	992		1,056
Total commercial	255,221		194,185
Commercial real estate:
Construction and land development	20,184		23,880
Term	43,465		25,107
Total commercial real estate	63,649		48,987
Consumer:
Home equity credit line	9,057		11,430
1-4 family residential	42,905		49,861
Construction and other consumer real estate	1,129		1,735
Bankcard and other revolving plans	599		196
Other	270		254
Total consumer loans	53,960		63,476
Total	$	372,830	$	306,648

Past due loans (accruing and nonaccruing) are summarized as follows:
	June 30, 2015
(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
Commercial:
Commercial and industrial	$	13,007,655	$	64,040	$	39,230	$	103,270	$	13,110,925	$	2,221	$	117,874
Leasing	401,490		30		28		58		401,548		—		123
Owner occupied	7,207,298		24,480		45,430		69,910		7,277,208		5,233		44,423
Municipal	588,985		—		—		—		588,985		—		992
Total commercial	21,205,428		88,550		84,688		173,238		21,378,666		7,454		163,412
Commercial real estate:
Construction and land development	2,046,961		5,172		9,583		14,755		2,061,716		220		10,821
Term	8,015,187		11,522		31,576		43,098		8,058,285		17,830		29,597
Total commercial real estate	10,062,148		16,694		41,159		57,853		10,120,001		18,050		40,418
Consumer:
Home equity credit line	2,338,099		4,318		5,910		10,228		2,348,327		—		2,149
1-4 family residential	5,161,636		11,789		20,038		31,827		5,193,463		744		19,351
Construction and other consumer real estate	349,205		21,743		674		22,417		371,622		135		590
Bankcard and other revolving plans	407,057		1,382		1,032		2,414		409,471		680		192
Other	201,538		519		377		896		202,434		141		4
Total consumer loans	8,457,535		39,751		28,031		67,782		8,525,317		1,700		22,286
Total	$	39,725,111	$	144,995	$	153,878	$	298,873	$	40,023,984	$	27,204	$	226,116

	December 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 current 1
Commercial:
Commercial and industrial	$	13,092,731	$	28,295	$	41,929	$	70,224	$	13,162,955	$	4,677	$	64,385
Leasing	408,724		225		25		250		408,974		—		270
Owner occupied	7,275,842		29,182		46,524		75,706		7,351,548		3,334		39,649
Municipal	520,887		—		—		—		520,887		—		1,056
Total commercial	21,298,184		57,702		88,478		146,180		21,444,364		8,011		105,360
Commercial real estate:
Construction and land development	1,972,206		2,711		11,491		14,202		1,986,408		92		12,481
Term	8,082,940		14,415		29,245		43,660		8,126,600		19,700		13,787
Total commercial real estate	10,055,146		17,126		40,736		57,862		10,113,008		19,792		26,268
Consumer:
Home equity credit line	2,309,967		4,503		6,680		11,183		2,321,150		1		1,779
1-4 family residential	5,163,610		12,416		24,856		37,272		5,200,882		318		20,599
Construction and other consumer real estate	359,723		9,675		1,144		10,819		370,542		160		608
Bankcard and other revolving plans	397,882		2,425		1,045		3,470		401,352		946		80
Other	211,560		644		156		800		212,360		—		84
Total consumer loans	8,442,742		29,663		33,881		63,544		8,506,286		1,425		23,150
Total	$	39,796,072	$	104,491	$	163,095	$	267,586	$	40,063,658	$	29,228	$	154,778

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

Credit Quality Indicators

In addition to the past due and nonaccrual criteria, we also analyze loans using loan risk grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades assigned to loans follow our definitions of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications.

Definitions of Pass, Special Mention, Substandard, and Doubtful are summarized as follows:

Pass – A Pass asset is higher quality and does not fit any of the other categories described below. The likelihood of loss is considered remote.

Special Mention– A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date.

Substandard – A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that the bank may sustain some loss if deficiencies are not corrected.

Doubtful – A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable.

We generally assign internal risk grades to commercial and CRE loans with commitments equal to or greater than $750,000based on financial and statistical models, individual credit analysis, and loan officer judgment. For these larger loans, we assign one of multiple grades within the Pass classification or one of the following four grades: Special Mention, Substandard, Doubtful, and Loss. Loss indicates that the outstanding balance has been charged off. We confirm our internal risk grades quarterly, or as soon as we identify information that affects the credit risk of the loan.

For consumer loans or certain small commercial loans with commitments equal to or less than $750,000, we generally assign internal risk grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass or Substandard grade and are reviewed as we identify information that might warrant a grade change.

Outstanding loan balances (accruing and nonaccruing) categorized by these credit quality indicators are summarized as follows:

	June 30, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,092,525	$	339,180	$	666,689	$	12,531	$	13,110,925
Leasing	375,930		15,125		10,493		—		401,548
Owner occupied	6,857,103		111,000		306,661		2,444		7,277,208
Municipal	586,772		1,221		992		—		588,985
Total commercial	19,912,330		466,526		984,835		14,975		21,378,666		$	437,770
Commercial real estate:
Construction and land development	2,007,268		16,682		37,766		—		2,061,716
Term	7,815,257		57,254		182,288		3,486		8,058,285
Total commercial real estate	9,822,525		73,936		220,054		3,486		10,120,001		125,796
Consumer:
Home equity credit line	2,333,974		—		14,353		—		2,348,327
1-4 family residential	5,142,602		—		50,861		—		5,193,463
Construction and other consumer real estate	369,600		—		2,022		—		371,622
Bankcard and other revolving plans	407,649		—		1,822		—		409,471
Other	201,862		—		572		—		202,434
Total consumer loans	8,455,687		—		69,630		—		8,525,317		45,809
Total	$	38,190,542	$	540,462	$	1,274,519	$	18,461	$	40,023,984	$	609,375

	December 31, 2014
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,515,846	$	209,215	$	426,002	$	11,892	$	13,162,955
Leasing	399,032		4,868		5,074		—		408,974
Owner occupied	6,844,310		168,423		338,815		—		7,351,548
Municipal	518,513		1,318		1,056		—		520,887
Total commercial	20,277,701		383,824		770,947		11,892		21,444,364		$	412,514
Commercial real estate:
Construction and land development	1,925,685		8,464		52,259		—		1,986,408
Term	7,802,571		96,347		223,324		4,358		8,126,600
Total commercial real estate	9,728,256		104,811		275,583		4,358		10,113,008		145,009
Consumer:
Home equity credit line	2,304,352		—		16,798		—		2,321,150
1-4 family residential	5,138,660		—		62,222		—		5,200,882
Construction and other consumer real estate	367,932		—		2,610		—		370,542
Bankcard and other revolving plans	399,446		—		1,906		—		401,352
Other	211,811		—		549		—		212,360
Total consumer loans	8,422,201		—		84,085		—		8,506,286		47,140
Total	$	38,428,158	$	488,635	$	1,130,615	$	16,250	$	40,063,658	$	604,663

Impaired Loans

Loans are considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the contractual terms of the loan agreement, including scheduled interest payments. For our non-purchased credit-impaired loans, if a nonaccrual loan has a balance greater than $1 million, or if a loan is a troubled debt restructuring (“TDR”), including TDRs that subsequently default, or if the loan is no longer reported as a TDR, we individually evaluate the loan for impairment and estimate a specific reserve for the loan for all portfolio segments under applicable accounting guidance. Smaller nonaccrual loans are pooled for ALLL estimation purposes. PCI loans are included in impaired loans and are accounted for under separate accounting guidance. See subsequent discussion under Purchased Loans.

When a loan is impaired, we estimate a specific reserve for the loan based on the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. The process of estimating future cash flows also incorporates the same determining factors discussed previously under nonaccrual loans. When we base the impairment amount on the fair value of the loan’s underlying collateral, we generally charge off the portion of the balance that is impaired, such that these loans do not have a specific reserve in the ALLL. Payments received on impaired loans that are accruing are recognized in interest income, according to the contractual loan agreement. Payments received on impaired loans that are on nonaccrual are not recognized in interest income, but are applied as a reduction to the principal outstanding. The amount of interest income recognized on a cash basis during the time the loans were impaired within the three and six months endedJune 30, 2015 and 2014 was not significant.

Information on impaired loans individually evaluated is summarized as follows at June 30, 2015 and December 31, 2014, including the average recorded investment and interest income recognized for the three and six months endedJune 30, 2015 and 2014:

	June 30, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	212,734	$	39,539	$	142,328	$	181,867	$	31,670
Owner occupied	164,116		89,799		53,931		143,730		4,804
Municipal	1,471		992		—		992		—
Total commercial	378,321		130,330		196,259		326,589		36,474
Commercial real estate:
Construction and land development	50,251		9,300		24,579		33,879		973
Term	174,299		99,624		46,443		146,067		2,127
Total commercial real estate	224,550		108,924		71,022		179,946		3,100
Consumer:
Home equity credit line	29,015		15,390		10,361		25,751		497
1-4 family residential	81,050		28,841		39,264		68,105		9,732
Construction and other consumer real estate	3,232		1,216		1,123		2,339		190
Other	4,673		—		3,751		3,751		173
Total consumer loans	117,970		45,447		54,499		99,946		10,592
Total	$	720,841	$	284,701	$	321,780	$	606,481	$	50,166

	December 31, 2014
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	185,520	$	43,257	$	103,565	$	146,822	$	22,852
Owner occupied	198,231		83,179		86,382		169,561		6,087
Municipal	1,535		1,056		—		1,056		—
Total commercial	385,286		127,492		189,947		317,439		28,939
Commercial real estate:
Construction and land development	60,993		16,500		26,977		43,477		1,773
Term	203,788		96,351		63,740		160,091		2,345
Total commercial real estate	264,781		112,851		90,717		203,568		4,118
Consumer:
Home equity credit line	30,209		14,798		11,883		26,681		437
1-4 family residential	86,575		37,096		35,831		72,927		8,494
Construction and other consumer real estate	3,902		1,449		1,410		2,859		233
Other	6,580		—		5,254		5,254		133
Total consumer loans	127,266		53,343		54,378		107,721		9,297
Total	$	777,333	$	293,686	$	335,042	$	628,728	$	42,354

	Three Months Ended June 30, 2015				Six Months Ended June 30, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	174,911	$	2,831	$	155,584	$	4,255
Owner occupied	144,613		3,186		142,817		6,970
Municipal	1,008		—		1,021		—
Total commercial	320,532		6,017		299,422		11,225
Commercial real estate:
Construction and land development	35,562		1,628		36,215		2,177
Term	144,054		5,063		142,439		10,038
Total commercial real estate	179,616		6,691		178,654		12,215
Consumer:
Home equity credit line	25,400		416		24,948		821
1-4 family residential	69,874		534		68,464		1,041
Construction and other consumer real estate	2,497		22		2,529		64
Bankcard and other revolving plans	—		1		1		100
Other	4,176		230		4,463		516
Total consumer loans	101,947		1,203		100,405		2,542
Total	$	602,095	$	13,911	$	578,481	$	25,982

	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	$	194,683	$	4,212	$	188,136	$	6,802
Owner occupied	232,662		4,532		236,250		9,286
Municipal	9,270		—		9,615		—
Total commercial	436,615		8,744		434,001		16,088
Commercial real estate:
Construction and land development	61,957		1,394		64,265		4,932
Term	245,827		6,618		260,749		20,568
Total commercial real estate	307,784		8,012		325,014		25,500
Consumer:
Home equity credit line	25,854		372		25,470		774
1-4 family residential	82,353		512		81,909		1,052
Construction and other consumer real estate	3,164		36		3,166		74
Bankcard and other revolving plans	—		1		5		1
Other	7,314		421		7,854		930
Total consumer loans	118,685		1,342		118,404		2,831
Total	$	863,084	$	18,098	$	877,419	$	44,419

Modified and Restructured Loans

Loans may be modified in the normal course of business for competitive reasons or to strengthen the Company’s position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. These modifications are structured on a loan-by-loan basis and, depending on the circumstances, may include extended payment terms, a modified interest rate, forgiveness of principal, or other concessions. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which the Company has granted a concession that it would not otherwise consider, are considered TDRs.

We consider many factors in determining whether to agree to a loan modification involving concessions, and seek a solution that will both minimize potential loss to the Company and attempt to help the borrower. We evaluate borrowers’ current and forecasted future cash flows, their ability and willingness to make current contractual or proposed modified payments, the value of the underlying collateral (if applicable), the possibility of obtaining additional security or guarantees, and the potential costs related to a repossession or foreclosure and the subsequent sale of the collateral.

TDRs are classified as either accrual or nonaccrual loans. A loan on nonaccrual and restructured as a TDR will remain on nonaccrual status until the borrower has proven the ability to perform under the modified structure for a minimum of six months, and there is evidence that such payments can and are likely to continue as agreed. Performance prior to the restructuring, or significant events that coincide with the restructuring, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual at the time of restructuring or after a shorter performance period. If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains classified as a nonaccrual loan. A TDR loan that specifies an interest rate that at the time of the restructuring is greater than or equal to the rate the bank is willing to accept for a new loan with comparable risk may not be reported as a TDR or an impaired loan in the calendar years subsequent to the restructuring if it is in compliance with its modified terms.

Selected information on TDRs that includes the recorded investment on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules:

	June 30, 2015
	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	$	1,819	$	3,654	$	16	$	115	$	213	$	21,388	$	27,205
Owner occupied	2,064		1,306		945		—		8,623		17,705		30,643
Total commercial	3,883		4,960		961		115		8,836		39,093		57,848
Commercial real estate:
Construction and land development	—		—		—		—		494		13,378		13,872
Term	7,142		896		173		974		2,277		30,129		41,591
Total commercial real estate	7,142		896		173		974		2,771		43,507		55,463
Consumer:
Home equity credit line	741		833		10,539		—		265		2,038		14,416
1-4 family residential	2,507		362		7,205		439		3,214		36,710		50,437
Construction and other consumer real estate	279		496		36		—		—		1,171		1,982
Total consumer loans	3,527		1,691		17,780		439		3,479		39,919		66,835
Total accruing	14,552		7,547		18,914		1,528		15,086		122,519		180,146
Nonaccruing
Commercial:
Commercial and industrial	159		467		—		3,616		6,782		37,336		48,360
Owner occupied	2,274		1,105		—		5,870		119		11,393		20,761
Municipal	—		992		—		—		—		—		992
Total commercial	2,433		2,564		—		9,486		6,901		48,729		70,113
Commercial real estate:
Construction and land development	10,706		62		—		—		3,229		3,708		17,705
Term	2,710		—		845		2,142		2,938		10,107		18,742
Total commercial real estate	13,416		62		845		2,142		6,167		13,815		36,447
Consumer:
Home equity credit line	10		528		669		61		—		48		1,316
1-4 family residential	8		280		1,897		180		1,040		6,785		10,190
Construction and other consumer real estate	—		147		—		67		—		78		292
Total consumer loans	18		955		2,566		308		1,040		6,911		11,798
Total nonaccruing	15,867		3,581		3,411		11,936		14,108		69,455		118,358
Total	$	30,419	$	11,128	$	22,325	$	13,464	$	29,194	$	191,974	$	298,504

	December 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	$	2,611	$	6,509	$	18	$	3,203	$	3,855	$	34,585	$	50,781
Owner occupied	19,981		1,124		960		1,251		10,960		17,505		51,781
Total commercial	22,592		7,633		978		4,454		14,815		52,090		102,562
Commercial real estate:
Construction and land development	—		—		—		—		521		19,854		20,375
Term	7,328		9,027		179		3,153		2,546		39,007		61,240
Total commercial real estate	7,328		9,027		179		3,153		3,067		58,861		81,615
Consumer:
Home equity credit line	742		70		11,320		—		166		1,281		13,579
1-4 family residential	2,425		552		6,828		446		753		34,719		45,723
Construction and other consumer real estate	290		422		42		90		—		1,227		2,071
Total consumer loans	3,457		1,044		18,190		536		919		37,227		61,373
Total accruing	33,377		17,704		19,347		8,143		18,801		148,178		245,550
Nonaccruing
Commercial:
Commercial and industrial	442		576		—		611		5,199		20,410		27,238
Owner occupied	2,714		1,219		—		883		2,852		12,040		19,708
Municipal	—		1,056		—		—		—		—		1,056
Total commercial	3,156		2,851		—		1,494		8,051		32,450		48,002
Commercial real estate:
Construction and land development	11,080		68		—		93		3,300		6,427		20,968
Term	2,851		—		—		—		277		4,607		7,735
Total commercial real estate	13,931		68		—		93		3,577		11,034		28,703
Consumer:
Home equity credit line	—		—		420		203		—		399		1,022
1-4 family residential	3,378		1,029		1,951		191		3,527		9,413		19,489
Construction and other consumer real estate	—		463		—		—		—		100		563
Total consumer loans	3,378		1,492		2,371		394		3,527		9,912		21,074
Total nonaccruing	20,465		4,411		2,371		1,981		15,155		53,396		97,779
Total	$	53,842	$	22,115	$	21,718	$	10,124	$	33,956	$	201,574	$	343,329

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.

Unfunded lending commitments on TDRs amounted to approximately $3.7 million at June 30, 2015 and $6.1 millionat December 31, 2014.

The total recorded investment of all TDRs in which interest rates were modified below market was $184.7 million at June 30, 2015 and $219.3 million at December 31, 2014. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types.

The net financial impact on interest income due to interest rate modifications below market for accruing TDRs is summarized in the following schedule:

	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2015			2014			2015			2014
Commercial:
Commercial and industrial	$	(64	)	$	(7	)	$	(119	)	$	20
Owner occupied	(72		)	(133		)	(184		)	(276		)
Total commercial	(136		)	(140		)	(303		)	(256		)
Commercial real estate:
Construction and land development	(26		)	(51		)	(63		)	(106		)
Term	(103		)	(137		)	(212		)	(285		)
Total commercial real estate	(129		)	(188		)	(275		)	(391		)
Consumer:
Home equity credit line	—			(2		)	(1		)	(4		)
1-4 family residential	(267		)	(287		)	(538		)	(587		)
Construction and other consumer real estate	(7		)	(8		)	(14		)	(17		)
Total consumer loans	(274		)	(297		)	(553		)	(608		)
Total decrease to interest income1	$	(539	)	$	(625	)	$	(1,131	)	$	(1,255	)

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

On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans.

The recorded investment of accruing and nonaccruing TDRs that had a payment default during the period listed below (and are still in default at period end) and are within 12 months or less of being modified as TDRs is as follows:

	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	135	$	135	$	—	$	135	$	135
Owner occupied	—		1,098		1,098		—		2,057		2,057
Total commercial	—		1,233		1,233		—		2,192		2,192
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		846		846		—		846		846
Total commercial real estate	—		846		846		—		846		846
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		107		107		—		107		107
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		107		107		—		107		107
Total	$	—	$	2,186	$	2,186	$	—	$	3,145	$	3,145

	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

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2015 and 2014 were $88.7 millionand $141.3 million, respectively.

As of June 30, 2015, the amount of foreclosed residential real estate property held by the Company was approximately $1.4 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $10.1 million.

Concentrations of Credit Risk

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. Credit risks (whether on- or off-balance sheet) may occur when individual borrowers, groups of borrowers, or counterparties have similar economic characteristics, including industries, geographies, collateral types, sponsors, etc., and are similarly affected by changes in economic or other conditions. Credit risk also includes the loss that would be recognized subsequent to the reporting date if counterparties failed to perform as contracted. See Note 7 for a discussion of counterparty risk associated with the Company’s derivative transactions.

We perform an ongoing analysis of our loan portfolio to evaluate whether there is any significant exposure to any concentrations of credit risk. Based on this analysis, we believe that the loan portfolio is generally well diversified; however, there are certain significant concentrations in CRE and energy-related lending. Further, we cannot guarantee that we have fully understood or mitigated all risk concentrations or correlated risks. We have adopted and adhere to concentration limits on various types of CRE lending, particularly construction and land development lending, leveraged and enterprise value lending, municipal lending, and energy-related lending. All of these limits are continually monitored and revised as necessary.

Purchased Loans

Background and Accounting

We purchase loans in the ordinary course of business and account for them and the related interest income based on their performing status at the time of acquisition. PCI loans have evidence of credit deterioration at the time of acquisition and it is probable that not all contractual payments will be collected. Interest income for PCI loans is accounted for on an expected cash flow basis. Certain other loans acquired by the Company that are not credit-impaired include loans with revolving privileges and are excluded from the PCI tabular disclosures following. Interest income for these loans is accounted for on a contractual cash flow basis. Upon acquisition, in accordance with applicable accounting guidance, the acquired loans were recorded at their fair value without a corresponding ALLL. Certain acquired loans with similar characteristics such as risk exposure, type, size, etc., are grouped and accounted for in loan pools.

Outstanding Balances and Accretable Yield

The outstanding balances of all required payments and the related carrying amounts for PCI loans are as follows:

(In thousands)	June 30, 2015		December 31, 2014
Commercial	$	84,120	$	104,942
Commercial real estate	98,170		118,217
Consumer	14,579		17,910
Outstanding balance	$	196,869	$	241,069
Carrying amount	$	152,420	$	179,299
Less ALLL	1,139		2,800
Carrying amount, net	$	151,281	$	176,499

At the time of acquisition of PCI loans, we determine the loan’s contractually required payments in excess of all cash flows expected to be collected as an amount that should not be accreted (nonaccretable difference). With respect to the cash flows expected to be collected, the portion representing the excess of the loan’s expected cash flows over our initial investment (accretable yield) is accreted into interest income on a level yield basis over the remaining expected life of the loan or pool of loans. The effects of estimated prepayments are considered in estimating the expected cash flows.

Certain PCI loans are not accounted for as previously described because the estimation of cash flows to be collected involves a high degree of uncertainty. Under these circumstances, the accounting guidance provides that interest income is recognized on a cash basis similar to the cost recovery methodology for nonaccrual loans. The net carrying amounts in the preceding schedule also include the amounts for these loans, which were $2.4 million at June 30, 2015 and $5.3 million at December 31, 2014.

Changes in the accretable yield for PCI loans were as follows: 

(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Balance at beginning of period	$	50,931		$	65,765		$	45,055		$	77,528
Accretion	(11,674		)	(14,181		)	(21,257		)	(36,488		)
Reclassification from nonaccretable difference	4,579			5,531			17,860			14,451
Disposals and other	2,866			3,719			5,044			5,343
Balance at end of period	$	46,702		$	60,834		$	46,702		$	60,834

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.

The primary drivers of reclassification to accretable yield from nonaccretable difference and increases in disposals and other resulted primarily from (1) changes in estimated cash flows, (2) unexpected payments on nonaccrual loans, and (3) recoveries on zero balance loans pools. See subsequent discussion under changes in cash flow estimates.

ALLL Determination

For all acquired loans, the ALLL is only established for credit deterioration subsequent to the date of acquisition and represents our estimate of the inherent losses in excess of the book value of acquired loans. The ALLL for acquired loans is included in the overall ALLL in the balance sheet.

During the three and six months endedJune 30, we adjusted the ALLL for acquired loans by recording a provision for loan losses of $0.3 million and $(0.5) million in 2015, and $0.2 million and $(2.5) million in 2014, respectively. The provision is net of the ALLL reversals discussed subsequently.

Changes in the provision for loan losses and related ALLL are driven in large part by the same factors that affect the changes in reclassification from nonaccretable difference to accretable yield, as discussed under changes in cash flow estimates.

Changes in Cash Flow Estimates

Over the life of the loan or loan pool, we continue to estimate cash flows expected to be collected. We evaluate quarterly at the balance sheet date whether the estimated present values of these loans using the effective interest rates have decreased below their carrying values. If so, we record a provision for loan losses.

For increases in carrying values that resulted from better-than-expected cash flows, we use such increases first to reverse any existing ALLL. During the three and six months endedJune 30, total reversals to the ALLL, including the impact of increases in estimated cash flows, were $1.1 million and $2.5 million in 2015 and $0.7 million and $3.6 million in 2014, respectively. When there is no current ALLL, we increase the amount of accretable yield on a prospective basis over the remaining life of the loan and recognize this increase in interest income.

For the three and six months endedJune 30, the impact of increased cash flow estimates recognized in the statement of income for acquired loans with no ALLL was approximately $9.3 million and $16.7 million in 2015and $11.7 million and $30.2 million in 2014, respectively, of additional interest income.

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Debt And Shareholders' Equity

6 Months Ended

Jun. 30, 2015

Capitalization, Long-term Debt and Equity [Abstract]

Debt And Shareholders' Equity

DEBT AND SHAREHOLDERS’ EQUITY

Long-term debt is summarized as follows:

(In thousands)	June 30, 2015		December 31, 2014
Junior subordinated debentures related to trust preferred securities	$	164,950	$	168,043
Convertible subordinated notes	143,964		132,838
Subordinated notes	334,888		335,798
Senior notes	406,149		432,385
FHLB advances	—		22,156
Capital lease obligations	987		1,062
Total	$	1,050,938	$	1,092,282

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or other basis adjustments, including the value of associated hedges.

Maturities of long-term debt in 2015 include the following:

	Coupon rate	Carrying value
(In thousands)		June 30, 2015		Maturity
Convertible subordinated note	6.00%	$	76,523	September 15, 2015
Subordinated note	6.00%	32,520		September 15, 2015
Convertible subordinated note	5.50%	67,441		November 16, 2015
Subordinated note	5.50%	52,477		November 16, 2015
		$	228,961

Debt Redemptions

During the three and six months endedJune 30, 2015, we redeemed $19 million and $27 million of long-term senior notes. During the three months endedJune 30, 2015, we redeemed $3.1 million of trust preferred securities and the entire $22 million of FHLB advances; the FHLB redemption resulted in debt extinguishment cost of $2.4 million.

Basel III Capital Framework

Effective January 1, 2015, we adopted the new Basel III capital framework that was issued by the Federal Reserve for U.S. banking organizations. We adopted the new capital rules on a 2015 phase-in basis and will adopt the fully phased-in requirements effective January 1, 2019. During the first quarter, we made the “opt-out” election with respect to the regulatory capital treatment of AOCI under the Basel III framework.

Among other things, the new rules revise capital adequacy guidelines and the regulatory framework for prompt corrective action, and they modify specified quantitative measures of our assets, liabilities, and capital. The impact of these new rules will require the Company to maintain capital in excess of current “well-capitalized” regulatory standards.

Accumulated Other Comprehensive Income

Changes in AOCI by component are as follows:

(In thousands)	Net unrealized gains (losses) on investment securities				Net unrealized gains (losses) on derivatives and other				Pension and post-retirement			Total
Six Months Ended June 30, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		4,131				4,308			—			8,439
Amounts reclassified from AOCI, net of tax		85,812				(1,382		)	—			84,430
Other comprehensive income		89,943				2,926			—			92,869
Balance at June 30, 2015		$	(1,978	)		$	5,152		$	(38,346	)	$	(35,172	)
Income tax expense included in other comprehensive income		$	58,778			$	1,867		$	—		$	60,645
Six Months Ended June 30, 2014
Balance at December 31, 2013		$	(168,805	)		$	1,556		$	(24,852	)	$	(192,101	)
Other comprehensive income before reclassifications, net of tax		82,458				732			—			83,190
Amounts reclassified from AOCI, net of tax		(27,368		)		(558		)	—			(27,926		)
Other comprehensive income (loss)		55,090				174			—			55,264
Balance at June 30, 2014		$	(113,715	)		$	1,730		$	(24,852	)	$	(136,837	)
Income tax expense (benefit) included in other comprehensive income (loss)		$	44,082			$	151		$	—		$	44,233

	Amounts reclassified from AOCI 1												Statement of income (SI) Balance sheet (BS)
(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
Details about AOCI components	2015			2014			2015			2014				Affected line item
Net realized gains (losses) on investment securities	$	(138,436	)	$	5,026		$	(138,675	)	$	35,940		SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	(52,772		)	1,922			(52,863		)	7,996
	(85,664		)	3,104			(85,812		)	27,944
Net unrealized losses on investment securities	—			—			—			(27		)	SI	Net impairment losses on investment securities
Income tax benefit	—			—			—			(10		)
	—			—			—			(17		)
Accretion of securities with noncredit-related impairment losses not expected to be sold	—			(462		)	—			(944		)	BS	Investment securities, held-to-maturity
Deferred income taxes	—			189			—			385			BS	Other assets
	$	(85,664	)	$	2,831		$	(85,812	)	$	27,368
Net unrealized gains on derivative instruments	$	1,218		$	577		$	2,234		$	928		SI	Interest and fees on loans
Income tax expense	465			229			852			370
	$	753		$	348		$	1,382		$	558

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets. The opposite applies to positive reclassification amounts.

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Debt And Shareholders' Equity Debt Disclosures (Details) - Jun. 30, 2015 - USD ($) $ in Millions	Total	Total
Debt Instrument, Redemption [Line Items]
Trust Preferred Securities, Redeemed	$ 3.1
Federal Home Loan Bank Advances, Redeemed	22.0
Debt extinguishment early tender premiums	2.4
Senior medium-term notes, optional early redemptions in 2015 [Member]
Debt Instrument, Redemption [Line Items]
Long-term Senior notes redeemed	$ 19.0	$ 27.0

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Fair Value (Narrative) (Details) - Fair Value, Option, Eligible Item or Group [Domain] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Derivatives, Fair Value [Line Items]
Other noninterest-bearing investments valued under the cost method	$ 29,600		$ 29,600		$ 39,100
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	244,100		244,100		250,700
Net gains on sale of OREO properties	445	$ 266	71	$ (1,341)
Principal amount of other real estate owned property sold			10,100	24,600
OREO Properties [Member]
Derivatives, Fair Value [Line Items]
Net gains on sale of OREO properties	1,100	1,500	1,900	2,500
Impairment of OREO properties	(300)	$ (300)	(400)	$ (500)
Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	4,549,055		4,549,055		3,336,943
Level 3 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	0		0		$ 401,957
Third Party Pricing Service [Member] | Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	$ 0		$ 0
Trust Preferred Predominantly Banks [Member] | Minimum [Member]
Derivatives, Fair Value [Line Items]
Significant Unobservable Inputs, Loss Given Deferral Rate			11.90%		14.50%
Discount Rate Range Of Libor Utilized For Fair Value Purposes			3.70%		3.40%
Trust Preferred Predominantly Banks [Member] | Maximum [Member]
Derivatives, Fair Value [Line Items]
Significant Unobservable Inputs, Loss Given Deferral Rate			100.00%		100.00%
Discount Rate Range Of Libor Utilized For Fair Value Purposes			5.40%		5.60%
Constant Prepayment Rate Until Maturity [Member] | Trust Preferred Predominantly Banks [Member]
Derivatives, Fair Value [Line Items]
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed			2.00%		2.00%

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Debt And Shareholders' Equity Schedule of Subordinated Borrowing (Details) - Jun. 30, 2015 - USD ($) number in Thousands, $ in Thousands	Total
Subordinated Borrowing [Line Items]
Subordinated Debt, Current	$ 228,961
Convertible Subordinated Note, Coupon Rate 6.00% [Member]
Subordinated Borrowing [Line Items]
Subordinated Borrowing, Interest Rate	0.00%
Convertible Subordinated Debt, Current	$ 76,523
Subordinated Notes, Coupon Rate 6.00% [Member]
Subordinated Borrowing [Line Items]
Subordinated Borrowing, Interest Rate	0.00%
Subordinated Debt, Current	$ 32,520
Convertible Subordinated Notes, Coupn Rate 5.50% [Member]
Subordinated Borrowing [Line Items]
Subordinated Borrowing, Interest Rate	0.00%
Convertible Subordinated Debt, Current	$ 67,441
Subordinated Notes, Coupon Rate 5.50% [Member] [Member]
Subordinated Borrowing [Line Items]
Subordinated Borrowing, Interest Rate	0.00%
Subordinated Debt, Current	$ 52,477

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Operating Segment Information (Tables)

6 Months Ended

Jun. 30, 2015

Segment Reporting Information [Line Items]

Operating Segment Information

. OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. As of June 30, 2015, we operate seven community/regional banks in distinct geographical areas. Performance assessment and resource allocation are based upon this geographical structure. Zions Bank operates 101 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. Amegy operates 79 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 66 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon. Effective April 1, 2015, TCBO was merged into TCBW. Note 1 discusses the upcoming consolidation of the seven bank charters into one bank charter. When completed, this consolidation will affect the presentation of segment reporting, although certain geographical information will continue.

The operating segment identified as “Other” includes the Parent, Zions Management Services Company (“ZMSC”), certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. Net interest income is substantially affected by the Parent’s interest on long-term debt. ZMSC provides internal technology and operational services to affiliated operating businesses of the Company. ZMSC charges most of its costs to the affiliates on an approximate break-even basis.

The accounting policies of the individual operating segments are the same as those of the Company. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. Operating segments pay for centrally provided services based upon estimated or actual usage of those services.

The following schedule presents selected operating segment information for the three months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy						CB&T						NBAZ					NSB
	2015			2014			2015			2014			2015			2014			2015		2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	144.2		$	145.6		$	95.0		$	95.4		$	98.7		$	103.7		$	40.3	$	40.3		$	28.3		$	28.3
Provision for loan losses	(8.4		)	(15.4		)	14.0			(7.5		)	(3.5		)	(12.9		)	2.7		(8.0		)	(3.0		)	(5.7		)
Net interest income after provision for loan losses	152.6			161.0			81.0			102.9			102.2			116.6			37.6		48.3			31.3			34.0
Noninterest income 1	(6.6		)	50.2			33.8			36.3			21.2			13.8			10.8		8.3			8.4			8.9
Noninterest expense	129.3			121.1			96.7			92.5			79.4			82.4			36.8		38.9			33.6			34.0
Income before income taxes	16.7			90.1			18.1			46.7			44.0			48.0			11.6		17.7			6.1			8.9
Income taxes (benefit)	4.6			33.2			5.2			15.9			17.2			19.0			4.0		6.6			2.0			3.0
Net income (loss)	12.1			56.9			12.9			30.8			26.8			29.0			7.6		11.1			4.1			5.9
Net income (loss) applicable to noncontrolling interests	0.9			—			—			—			—			—			—		—			—			—
Net income (loss) applicable to controlling interest	$	11.2		$	56.9		$	12.9		$	30.8		$	26.8		$	29.0		$	7.6	$	11.1		$	4.1		$	5.9
AVERAGE BALANCE SHEET DATA
Total assets	$	18,875		$	17,593		$	13,674		$	13,618		$	11,515		$	11,044		$	4,942	$	4,696		$	4,311		$	4,073
Cash and due from banks	251			335			97			213			86			156			43		74			75			82
Money market investments	2,970			2,679			1,980			2,435			1,776			1,252			402		412			885			764
Total securities	2,794			1,747			281			260			425			237			450		371			858			787
Total loans	12,172			12,317			10,159			9,563			8,472			8,655			3,846		3,648			2,358			2,318
Total deposits	16,456			15,322			11,198			11,167			9,864			9,394			4,291		4,014			3,902			3,676
Shareholder’s equity:
Preferred equity	280			280			226			227			162			162			85		98			50			50
Common equity	1,639			1,552			1,952			1,873			1,406			1,368			491		454			332			324
Noncontrolling interests	11			—			—			—			—			—			—		—			—			—
Total shareholder’s equity	1,930			1,832			2,178			2,100			1,568			1,530			576		552			382			374
	Vectra						TCBW						Other						Consolidated Company
	2015			2014			2015			2014			2015			2014			2015		2014
CONDENSED INCOME STATEMENT
Net interest income	$	26.4		$	25.4		$	7.7		$	8.0		$	(16.9	)	$	(30.4	)	$	423.7	$	416.3
Provision for loan losses	(0.4		)	(4.5		)	(0.8		)	(0.4		)	—			—			0.6		(54.4		)
Net interest income after provision for loan losses	26.8			29.9			8.5			8.4			(16.9		)	(30.4		)	423.1		470.7
Noninterest income 1	4.7			5.9			1.2			1.3			(73.1		)	0.2			0.4		124.9
Noninterest expense	24.4			23.7			(1.5		)	6.0			5.4			7.4			404.1		406.0
Income (loss) before income taxes	7.1			12.1			11.2			3.7			(95.4		)	(37.6		)	19.4		189.6
Income taxes (benefit)	2.4			4.3			3.9			1.3			(33.9		)	(13.3		)	5.4		70.0
Net income (loss)	4.7			7.8			7.3			2.4			(61.5		)	(24.3		)	14.0		119.6
Net income (loss) applicable to noncontrolling interests	—			—			—			—			(0.9		)	—			—		—
Net income (loss) applicable to controlling interest	$	4.7		$	7.8		$	7.3		$	2.4		$	(60.6	)	$	(24.3	)	$	14.0	$	119.6
AVERAGE BALANCE SHEET DATA
Total assets	$	3,236		$	2,595		$	987		$	948		$	(62	)	$	469		$	57,478	$	55,036
Cash and due from banks	29			47			35			25			(25		)	(13		)	591		919
Money market investments	522			20			142			104			(262		)	(162		)	8,415		7,504
Total securities	225			158			79			82			134			381			5,246		4,023
Total loans	2,400			2,316			721			725			3			2			40,131		39,544
Total deposits	2,831			2,184			852			799			(1,269		)	(1,097		)	48,125		45,459
Shareholder’s equity:
Preferred equity	25			42			3			3			173			142			1,004		1,004
Common equity	319			283			107			106			247			(215		)	6,493		5,745
Noncontrolling interests	—			—			—			—			(11		)	—			—		—
Total shareholder’s equity	344			325			110			109			409			(73		)	7,497		6,749

¹  Includes loss on sale of CDOs in 2015 of (in millions) $62.5 (Zions Bank), $0.6 (NSB), $0.6 (Vectra) and $73.1 (Other).

The following schedule presents selected operating segment information for the six months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ						NSB
	2015			2014			2015			2014		2015			2014			2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	285.3		$	288.1		$	191.7		$	190.1	$	194.4		$	212.9		$	79.3		$	80.6		$	56.3		$	56.2
Provision for loan losses	(13.0		)	(24.1		)	25.1			9.4		(7.6		)	(15.0		)	3.4			(11.0		)	(11.7		)	(8.3		)
Net interest income after provision for loan losses	298.3			312.2			166.6			180.7		202.0			227.9			75.9			91.6			68.0			64.5
Noninterest income	40.2			94.2			67.8			68.3		37.9			19.6			19.3			16.6			17.4			13.8
Noninterest expense	256.7			242.6			190.7			179.5		153.8			167.7			73.7			76.2			65.7			66.1
Income before income taxes	81.8			163.8			43.7			69.5		86.1			79.8			21.5			32.0			19.7			12.2
Income taxes	28.0			60.0			13.7			23.2		33.6			31.1			7.4			11.8			6.6			4.0
Net income	53.8			103.8			30.0			46.3		52.5			48.7			14.1			20.2			13.1			8.2
Net income (loss) applicable to noncontrolling interests	1.4			—			—			—		—			—			—			—			—			—
Net income (loss) applicable to controlling interest	$	52.4		$	103.8		$	30.0		$	46.3	$	52.5		$	48.7		$	14.1		$	20.2		$	13.1		$	8.2
AVERAGE BALANCE SHEET DATA
Total assets	$	18,725		$	17,932		$	13,818		$	13,543	$	11,442		$	10,967		$	4,884		$	4,654		$	4,238		$	4,032
Cash and due from banks	274			337			140			267		88			161			46			73			73			85
Money market investments	2,969			3,110			2,013			2,469		1,718			1,191			399			351			810			732
Total securities	2,632			1,672			283			251		381			282			431			368			849			784
Total loans	12,176			12,282			10,217			9,463		8,487			8,597			3,805			3,672			2,371			2,312
Total deposits	16,309			15,649			11,337			11,133		9,783			9,334			4,235			3,983			3,829			3,637
Shareholder’s equity:
Preferred equity	280			280			226			190		162			162			85			109			50			50
Common equity	1,636			1,545			1,946			1,861		1,400			1,359			488			438			332			321
Noncontrolling interests	11			—			—			—		—			—			—			—			—			—
Total shareholder’s equity	1,927			1,825			2,172			2,051		1,562			1,521			573			547			382			371
	Vectra						TCBW					Other						Consolidated Company
	2015			2014			2015			2014		2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	52.1		$	50.7		$	15.1		$	15.7	$	(33.1	)	$	(61.5	)	$	841.1		$	832.8
Provision for loan losses	3.5			(6.3		)	(0.6		)	0.3		—			—			(0.9		)	(55.0		)
Net interest income after provision for loan losses	48.6			57.0			15.7			15.4		(33.1		)	(61.5		)	842.0			887.8
Noninterest income	9.8			9.7			2.2			0.3		(72.4		)	40.7			122.2			263.2
Noninterest expense	48.3			49.0			6.3			11.4		6.3			11.6			801.5			804.1
Income (loss) before income taxes	10.1			17.7			11.6			4.3		(111.8		)	(32.4		)	162.7			346.9
Income taxes (benefit)	3.1			6.1			4.0			1.5		(39.7		)	(11.6		)	56.7			126.1
Net income (loss)	7.0			11.6			7.6			2.8		(72.1		)	(20.8		)	106.0			220.8
Net income (loss) applicable to noncontrolling interests	—			—			—			—		(1.4		)	—			—			—
Net income (loss) applicable to controlling interest	$	7.0		$	11.6		$	7.6		$	2.8	$	(70.7	)	$	(20.8	)	$	106.0		$	220.8
AVERAGE BALANCE SHEET DATA
Total assets	$	3,107		$	2,582		$	981		$	947	$	(46	)	$	577		$	57,149		$	55,234
Cash and due from banks	29			47			35			25		(18		)	(17		)	667			978
Money market investments	431			17			135			113		(260		)	(163		)	8,215			7,820
Total securities	208			161			80			87		152			465			5,016			4,070
Total loans	2,379			2,298			717			709		3			2			40,155			39,335
Total deposits	2,700			2,176			841			800		(1,228		)	(1,093		)	47,806			45,619
Shareholder’s equity:
Preferred equity	25			56			3			3		173			154			1,004			1,004
Common equity	318			265			105			104		224			(223		)	6,449			5,670
Noncontrolling interests	—			—			—			—		(11		)	—			—			—
Total shareholder’s equity	343			321			108			107		386			(69		)	7,453			6,674

Schedule of Segment Reporting Information, by Segment

(In millions)	Zions Bank						Amegy						CB&T						NBAZ					NSB
	2015			2014			2015			2014			2015			2014			2015		2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	144.2		$	145.6		$	95.0		$	95.4		$	98.7		$	103.7		$	40.3	$	40.3		$	28.3		$	28.3
Provision for loan losses	(8.4		)	(15.4		)	14.0			(7.5		)	(3.5		)	(12.9		)	2.7		(8.0		)	(3.0		)	(5.7		)
Net interest income after provision for loan losses	152.6			161.0			81.0			102.9			102.2			116.6			37.6		48.3			31.3			34.0
Noninterest income 1	(6.6		)	50.2			33.8			36.3			21.2			13.8			10.8		8.3			8.4			8.9
Noninterest expense	129.3			121.1			96.7			92.5			79.4			82.4			36.8		38.9			33.6			34.0
Income before income taxes	16.7			90.1			18.1			46.7			44.0			48.0			11.6		17.7			6.1			8.9
Income taxes (benefit)	4.6			33.2			5.2			15.9			17.2			19.0			4.0		6.6			2.0			3.0
Net income (loss)	12.1			56.9			12.9			30.8			26.8			29.0			7.6		11.1			4.1			5.9
Net income (loss) applicable to noncontrolling interests	0.9			—			—			—			—			—			—		—			—			—
Net income (loss) applicable to controlling interest	$	11.2		$	56.9		$	12.9		$	30.8		$	26.8		$	29.0		$	7.6	$	11.1		$	4.1		$	5.9
AVERAGE BALANCE SHEET DATA
Total assets	$	18,875		$	17,593		$	13,674		$	13,618		$	11,515		$	11,044		$	4,942	$	4,696		$	4,311		$	4,073
Cash and due from banks	251			335			97			213			86			156			43		74			75			82
Money market investments	2,970			2,679			1,980			2,435			1,776			1,252			402		412			885			764
Total securities	2,794			1,747			281			260			425			237			450		371			858			787
Total loans	12,172			12,317			10,159			9,563			8,472			8,655			3,846		3,648			2,358			2,318
Total deposits	16,456			15,322			11,198			11,167			9,864			9,394			4,291		4,014			3,902			3,676
Shareholder’s equity:
Preferred equity	280			280			226			227			162			162			85		98			50			50
Common equity	1,639			1,552			1,952			1,873			1,406			1,368			491		454			332			324
Noncontrolling interests	11			—			—			—			—			—			—		—			—			—
Total shareholder’s equity	1,930			1,832			2,178			2,100			1,568			1,530			576		552			382			374
	Vectra						TCBW						Other						Consolidated Company
	2015			2014			2015			2014			2015			2014			2015		2014
CONDENSED INCOME STATEMENT
Net interest income	$	26.4		$	25.4		$	7.7		$	8.0		$	(16.9	)	$	(30.4	)	$	423.7	$	416.3
Provision for loan losses	(0.4		)	(4.5		)	(0.8		)	(0.4		)	—			—			0.6		(54.4		)
Net interest income after provision for loan losses	26.8			29.9			8.5			8.4			(16.9		)	(30.4		)	423.1		470.7
Noninterest income 1	4.7			5.9			1.2			1.3			(73.1		)	0.2			0.4		124.9
Noninterest expense	24.4			23.7			(1.5		)	6.0			5.4			7.4			404.1		406.0
Income (loss) before income taxes	7.1			12.1			11.2			3.7			(95.4		)	(37.6		)	19.4		189.6
Income taxes (benefit)	2.4			4.3			3.9			1.3			(33.9		)	(13.3		)	5.4		70.0
Net income (loss)	4.7			7.8			7.3			2.4			(61.5		)	(24.3		)	14.0		119.6
Net income (loss) applicable to noncontrolling interests	—			—			—			—			(0.9		)	—			—		—
Net income (loss) applicable to controlling interest	$	4.7		$	7.8		$	7.3		$	2.4		$	(60.6	)	$	(24.3	)	$	14.0	$	119.6
AVERAGE BALANCE SHEET DATA
Total assets	$	3,236		$	2,595		$	987		$	948		$	(62	)	$	469		$	57,478	$	55,036
Cash and due from banks	29			47			35			25			(25		)	(13		)	591		919
Money market investments	522			20			142			104			(262		)	(162		)	8,415		7,504
Total securities	225			158			79			82			134			381			5,246		4,023
Total loans	2,400			2,316			721			725			3			2			40,131		39,544
Total deposits	2,831			2,184			852			799			(1,269		)	(1,097		)	48,125		45,459
Shareholder’s equity:
Preferred equity	25			42			3			3			173			142			1,004		1,004
Common equity	319			283			107			106			247			(215		)	6,493		5,745
Noncontrolling interests	—			—			—			—			(11		)	—			—		—
Total shareholder’s equity	344			325			110			109			409			(73		)	7,497		6,749

XML

Loans And Allowance For Credit Losses (Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators) (Details) - Financial Receivables [Domain] - USD ($) $ in Thousands		3 Months Ended		6 Months Ended		9 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2,186	$ 837	$ 3,145	$ 1,054	$ 88,700	$ 141,300
Financing Receivable, Recorded Investment, Current		39,725,111		39,725,111				$ 39,796,072
Loans held for sale		152,448		152,448				132,504
Commercial and industrial		13,110,925		13,110,925				13,162,955
Leasing		401,548		401,548				408,974
Owner occupied		7,277,208		7,277,208				7,351,548
Municipal		588,985		588,985				520,887
Total commercial		21,378,666		21,378,666				21,444,364
Construction and land development		2,061,716		2,061,716				1,986,408
Term		8,058,285		8,058,285				8,126,600
Loans Receivable, Gross, Commercial, Real Estate		10,120,001		10,120,001				10,113,008
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				2,321,150
1-4 family residential		5,193,463		5,193,463				5,200,882
Loans and Leases Receivable, Gross, Consumer, Construction		371,622		371,622				370,542
Bankcard and other revolving plans		409,471		409,471				401,352
Other		202,434		202,434				212,360
Total consumer		8,525,317		8,525,317				8,506,286
Total loans		40,023,984		40,023,984				40,063,658
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		144,995		144,995				104,491
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		153,878		153,878				163,095
Financing Receivable, Recorded Investment, Past Due		298,873		298,873				267,586
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		27,204		27,204				29,228
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	226,116		226,116				154,778
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,348,327		2,348,327				2,321,150
1-4 family residential		5,193,463		5,193,463				5,200,882
Loans and Leases Receivable, Gross, Consumer, Construction		371,622		371,622				370,542
Bankcard and other revolving plans		409,471		409,471				401,352
Other		202,434		202,434				212,360
Total consumer		8,525,317		8,525,317				8,506,286
Total loans		8,525,317		8,525,317				8,506,286
Financing Receivable, Recorded Investment, Nonaccrual Status		270		270				254
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	$ 0	0	$ 0
Construction and land development		2,061,716		2,061,716				1,986,408
Term		8,058,285		8,058,285				8,126,600
Loans Receivable, Gross, Commercial, Real Estate		10,120,001		10,120,001				10,113,008
Financing Receivable, Recorded Investment, Nonaccrual Status		20,184		20,184				23,880
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		13,110,925		13,110,925				13,162,955
Leasing		401,548		401,548				408,974
Owner occupied		7,277,208		7,277,208				7,351,548
Municipal		588,985		588,985				520,887
Total commercial		21,378,666		21,378,666				21,444,364
Total loans		21,378,666		21,378,666				21,444,364
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		38,190,542		38,190,542				38,428,158
Pass [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,333,974		2,333,974				2,304,352
1-4 family residential		5,142,602		5,142,602				5,138,660
Loans and Leases Receivable, Gross, Consumer, Construction		369,600		369,600				367,932
Bankcard and other revolving plans		407,649		407,649				399,446
Other		201,862		201,862				211,811
Total consumer		8,455,687		8,455,687				8,422,201
Pass [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		2,007,268		2,007,268				1,925,685
Term		7,815,257		7,815,257				7,802,571
Loans Receivable, Gross, Commercial, Real Estate		9,822,525		9,822,525				9,728,256
Pass [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		12,092,525		12,092,525				12,515,846
Leasing		375,930		375,930				399,032
Owner occupied		6,857,103		6,857,103				6,844,310
Municipal		586,772		586,772				518,513
Total commercial		19,912,330		19,912,330				20,277,701
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		540,462		540,462				488,635
Special Mention [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		0		0				0
1-4 family residential		0		0				0
Loans and Leases Receivable, Gross, Consumer, Construction		0		0				0
Bankcard and other revolving plans		0		0				0
Other		0		0				0
Total consumer		0		0				0
Special Mention [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		16,682		16,682				8,464
Term		57,254		57,254				96,347
Loans Receivable, Gross, Commercial, Real Estate		73,936		73,936				104,811
Special Mention [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		339,180		339,180				209,215
Leasing		15,125		15,125				4,868
Owner occupied		111,000		111,000				168,423
Municipal		1,221		1,221				1,318
Total commercial		466,526		466,526				383,824
Total Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		609,375		609,375				604,663
Total Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total consumer		45,809		45,809				47,140
Total Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Receivable, Gross, Commercial, Real Estate		125,796		125,796				145,009
Total Allowance [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total commercial		437,770		437,770				412,514
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		18,461		18,461				16,250
Doubtful [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		0		0				0
1-4 family residential		0		0				0
Loans and Leases Receivable, Gross, Consumer, Construction		0		0				0
Bankcard and other revolving plans		0		0				0
Other		0		0				0
Total consumer		0		0				0
Doubtful [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		0		0				0
Term		3,486		3,486				4,358
Loans Receivable, Gross, Commercial, Real Estate		3,486		3,486				4,358
Doubtful [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		12,531		12,531				11,892
Leasing		0		0				0
Owner occupied		2,444		2,444				0
Municipal		0		0				0
Total commercial		14,975		14,975				11,892
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		1,274,519		1,274,519				1,130,615
Substandard [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		14,353		14,353				16,798
1-4 family residential		50,861		50,861				62,222
Loans and Leases Receivable, Gross, Consumer, Construction		2,022		2,022				2,610
Bankcard and other revolving plans		1,822		1,822				1,906
Other		572		572				549
Total consumer		69,630		69,630				84,085
Substandard [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		37,766		37,766				52,259
Term		182,288		182,288				223,324
Loans Receivable, Gross, Commercial, Real Estate		220,054		220,054				275,583
Substandard [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		666,689		666,689				426,002
Leasing		10,493		10,493				5,074
Owner occupied		306,661		306,661				338,815
Municipal		992		992				1,056
Total commercial		984,835		984,835				770,947
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		8,457,535		8,457,535				8,442,742
Total loans		8,525,317		8,525,317				8,506,286
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		39,751		39,751				29,663
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28,031		28,031				33,881
Financing Receivable, Recorded Investment, Past Due		67,782		67,782				63,544
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,700		1,700				1,425
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	22,286		22,286				23,150
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		201,538		201,538				211,560
Total loans		202,434		202,434				212,360
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		519		519				644
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		377		377				156
Financing Receivable, Recorded Investment, Past Due		896		896				800
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		141		141				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4		4				84
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		8,015,187		8,015,187				8,082,940
Total loans		8,058,285		8,058,285				8,126,600
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,522		11,522				14,415
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		31,576		31,576				29,245
Financing Receivable, Recorded Investment, Past Due		43,098		43,098				43,660
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,830		17,830				19,700
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	29,597		29,597				13,787
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,046,961		2,046,961				1,972,206
Total loans		2,061,716		2,061,716				1,986,408
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		5,172		5,172				2,711
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		9,583		9,583				11,491
Financing Receivable, Recorded Investment, Past Due		14,755		14,755				14,202
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		220		220				92
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	10,821		10,821				12,481
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		13,007,655		13,007,655				13,092,731
Total loans		13,110,925		13,110,925				13,162,955
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		64,040		64,040				28,295
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		39,230		39,230				41,929
Financing Receivable, Recorded Investment, Past Due		103,270		103,270				70,224
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2,221		2,221				4,677
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	117,874		117,874				64,385
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		401,490		401,490				408,724
Total loans		401,548		401,548				408,974
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		30		30				225
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		28		28				25
Financing Receivable, Recorded Investment, Past Due		58		58				250
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	123		123				270
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,207,298		7,207,298				7,275,842
Total loans		7,277,208		7,277,208				7,351,548
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		24,480		24,480				29,182
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		45,430		45,430				46,524
Financing Receivable, Recorded Investment, Past Due		69,910		69,910				75,706
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5,233		5,233				3,334
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	44,423		44,423				39,649
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		588,985		588,985				520,887
Total loans		588,985		588,985				520,887
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0				0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0				0
Financing Receivable, Recorded Investment, Past Due		0		0				0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	992		992				1,056
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		10,062,148		10,062,148				10,055,146
Total loans		10,120,001		10,120,001				10,113,008
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		16,694		16,694				17,126
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		41,159		41,159				40,736
Financing Receivable, Recorded Investment, Past Due		57,853		57,853				57,862
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,050		18,050				19,792
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	40,418		40,418				26,268
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,338,099		2,338,099				2,309,967
Total loans		2,348,327		2,348,327				2,321,150
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		4,318		4,318				4,503
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,910		5,910				6,680
Financing Receivable, Recorded Investment, Past Due		10,228		10,228				11,183
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0				1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	2,149		2,149				1,779
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		21,205,428		21,205,428				21,298,184
Total loans		21,378,666		21,378,666				21,444,364
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		88,550		88,550				57,702
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		84,688		84,688				88,478
Financing Receivable, Recorded Investment, Past Due		173,238		173,238				146,180
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		7,454		7,454				8,011
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	163,412		163,412				105,360
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		5,161,636		5,161,636				5,163,610
Total loans		5,193,463		5,193,463				5,200,882
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		11,789		11,789				12,416
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		20,038		20,038				24,856
Financing Receivable, Recorded Investment, Past Due		31,827		31,827				37,272
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		744		744				318
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	19,351		19,351				20,599
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		349,205		349,205				359,723
Total loans		371,622		371,622				370,542
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,743		21,743				9,675
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		674		674				1,144
Financing Receivable, Recorded Investment, Past Due		22,417		22,417				10,819
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		135		135				160
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 590		$ 590				$ 608

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

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Operating Segment Information

6 Months Ended

Jun. 30, 2015

Operating Segment Information [Abstract]

Operating Segment Information

. OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. As of June 30, 2015, we operate seven community/regional banks in distinct geographical areas. Performance assessment and resource allocation are based upon this geographical structure. Zions Bank operates 101 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. Amegy operates 79 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 66 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon. Effective April 1, 2015, TCBO was merged into TCBW. Note 1 discusses the upcoming consolidation of the seven bank charters into one bank charter. When completed, this consolidation will affect the presentation of segment reporting, although certain geographical information will continue.

The operating segment identified as “Other” includes the Parent, Zions Management Services Company (“ZMSC”), certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. Net interest income is substantially affected by the Parent’s interest on long-term debt. ZMSC provides internal technology and operational services to affiliated operating businesses of the Company. ZMSC charges most of its costs to the affiliates on an approximate break-even basis.

The accounting policies of the individual operating segments are the same as those of the Company. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. Operating segments pay for centrally provided services based upon estimated or actual usage of those services.

The following schedule presents selected operating segment information for the three months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy						CB&T						NBAZ					NSB
	2015			2014			2015			2014			2015			2014			2015		2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	144.2		$	145.6		$	95.0		$	95.4		$	98.7		$	103.7		$	40.3	$	40.3		$	28.3		$	28.3
Provision for loan losses	(8.4		)	(15.4		)	14.0			(7.5		)	(3.5		)	(12.9		)	2.7		(8.0		)	(3.0		)	(5.7		)
Net interest income after provision for loan losses	152.6			161.0			81.0			102.9			102.2			116.6			37.6		48.3			31.3			34.0
Noninterest income 1	(6.6		)	50.2			33.8			36.3			21.2			13.8			10.8		8.3			8.4			8.9
Noninterest expense	129.3			121.1			96.7			92.5			79.4			82.4			36.8		38.9			33.6			34.0
Income before income taxes	16.7			90.1			18.1			46.7			44.0			48.0			11.6		17.7			6.1			8.9
Income taxes (benefit)	4.6			33.2			5.2			15.9			17.2			19.0			4.0		6.6			2.0			3.0
Net income (loss)	12.1			56.9			12.9			30.8			26.8			29.0			7.6		11.1			4.1			5.9
Net income (loss) applicable to noncontrolling interests	0.9			—			—			—			—			—			—		—			—			—
Net income (loss) applicable to controlling interest	$	11.2		$	56.9		$	12.9		$	30.8		$	26.8		$	29.0		$	7.6	$	11.1		$	4.1		$	5.9
AVERAGE BALANCE SHEET DATA
Total assets	$	18,875		$	17,593		$	13,674		$	13,618		$	11,515		$	11,044		$	4,942	$	4,696		$	4,311		$	4,073
Cash and due from banks	251			335			97			213			86			156			43		74			75			82
Money market investments	2,970			2,679			1,980			2,435			1,776			1,252			402		412			885			764
Total securities	2,794			1,747			281			260			425			237			450		371			858			787
Total loans	12,172			12,317			10,159			9,563			8,472			8,655			3,846		3,648			2,358			2,318
Total deposits	16,456			15,322			11,198			11,167			9,864			9,394			4,291		4,014			3,902			3,676
Shareholder’s equity:
Preferred equity	280			280			226			227			162			162			85		98			50			50
Common equity	1,639			1,552			1,952			1,873			1,406			1,368			491		454			332			324
Noncontrolling interests	11			—			—			—			—			—			—		—			—			—
Total shareholder’s equity	1,930			1,832			2,178			2,100			1,568			1,530			576		552			382			374
	Vectra						TCBW						Other						Consolidated Company
	2015			2014			2015			2014			2015			2014			2015		2014
CONDENSED INCOME STATEMENT
Net interest income	$	26.4		$	25.4		$	7.7		$	8.0		$	(16.9	)	$	(30.4	)	$	423.7	$	416.3
Provision for loan losses	(0.4		)	(4.5		)	(0.8		)	(0.4		)	—			—			0.6		(54.4		)
Net interest income after provision for loan losses	26.8			29.9			8.5			8.4			(16.9		)	(30.4		)	423.1		470.7
Noninterest income 1	4.7			5.9			1.2			1.3			(73.1		)	0.2			0.4		124.9
Noninterest expense	24.4			23.7			(1.5		)	6.0			5.4			7.4			404.1		406.0
Income (loss) before income taxes	7.1			12.1			11.2			3.7			(95.4		)	(37.6		)	19.4		189.6
Income taxes (benefit)	2.4			4.3			3.9			1.3			(33.9		)	(13.3		)	5.4		70.0
Net income (loss)	4.7			7.8			7.3			2.4			(61.5		)	(24.3		)	14.0		119.6
Net income (loss) applicable to noncontrolling interests	—			—			—			—			(0.9		)	—			—		—
Net income (loss) applicable to controlling interest	$	4.7		$	7.8		$	7.3		$	2.4		$	(60.6	)	$	(24.3	)	$	14.0	$	119.6
AVERAGE BALANCE SHEET DATA
Total assets	$	3,236		$	2,595		$	987		$	948		$	(62	)	$	469		$	57,478	$	55,036
Cash and due from banks	29			47			35			25			(25		)	(13		)	591		919
Money market investments	522			20			142			104			(262		)	(162		)	8,415		7,504
Total securities	225			158			79			82			134			381			5,246		4,023
Total loans	2,400			2,316			721			725			3			2			40,131		39,544
Total deposits	2,831			2,184			852			799			(1,269		)	(1,097		)	48,125		45,459
Shareholder’s equity:
Preferred equity	25			42			3			3			173			142			1,004		1,004
Common equity	319			283			107			106			247			(215		)	6,493		5,745
Noncontrolling interests	—			—			—			—			(11		)	—			—		—
Total shareholder’s equity	344			325			110			109			409			(73		)	7,497		6,749

¹  Includes loss on sale of CDOs in 2015 of (in millions) $62.5 (Zions Bank), $0.6 (NSB), $0.6 (Vectra) and $73.1 (Other).

The following schedule presents selected operating segment information for the six months ended June 30, 2015 and 2014:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ						NSB
	2015			2014			2015			2014		2015			2014			2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	285.3		$	288.1		$	191.7		$	190.1	$	194.4		$	212.9		$	79.3		$	80.6		$	56.3		$	56.2
Provision for loan losses	(13.0		)	(24.1		)	25.1			9.4		(7.6		)	(15.0		)	3.4			(11.0		)	(11.7		)	(8.3		)
Net interest income after provision for loan losses	298.3			312.2			166.6			180.7		202.0			227.9			75.9			91.6			68.0			64.5
Noninterest income	40.2			94.2			67.8			68.3		37.9			19.6			19.3			16.6			17.4			13.8
Noninterest expense	256.7			242.6			190.7			179.5		153.8			167.7			73.7			76.2			65.7			66.1
Income before income taxes	81.8			163.8			43.7			69.5		86.1			79.8			21.5			32.0			19.7			12.2
Income taxes	28.0			60.0			13.7			23.2		33.6			31.1			7.4			11.8			6.6			4.0
Net income	53.8			103.8			30.0			46.3		52.5			48.7			14.1			20.2			13.1			8.2
Net income (loss) applicable to noncontrolling interests	1.4			—			—			—		—			—			—			—			—			—
Net income (loss) applicable to controlling interest	$	52.4		$	103.8		$	30.0		$	46.3	$	52.5		$	48.7		$	14.1		$	20.2		$	13.1		$	8.2
AVERAGE BALANCE SHEET DATA
Total assets	$	18,725		$	17,932		$	13,818		$	13,543	$	11,442		$	10,967		$	4,884		$	4,654		$	4,238		$	4,032
Cash and due from banks	274			337			140			267		88			161			46			73			73			85
Money market investments	2,969			3,110			2,013			2,469		1,718			1,191			399			351			810			732
Total securities	2,632			1,672			283			251		381			282			431			368			849			784
Total loans	12,176			12,282			10,217			9,463		8,487			8,597			3,805			3,672			2,371			2,312
Total deposits	16,309			15,649			11,337			11,133		9,783			9,334			4,235			3,983			3,829			3,637
Shareholder’s equity:
Preferred equity	280			280			226			190		162			162			85			109			50			50
Common equity	1,636			1,545			1,946			1,861		1,400			1,359			488			438			332			321
Noncontrolling interests	11			—			—			—		—			—			—			—			—			—
Total shareholder’s equity	1,927			1,825			2,172			2,051		1,562			1,521			573			547			382			371
	Vectra						TCBW					Other						Consolidated Company
	2015			2014			2015			2014		2015			2014			2015			2014
CONDENSED INCOME STATEMENT
Net interest income	$	52.1		$	50.7		$	15.1		$	15.7	$	(33.1	)	$	(61.5	)	$	841.1		$	832.8
Provision for loan losses	3.5			(6.3		)	(0.6		)	0.3		—			—			(0.9		)	(55.0		)
Net interest income after provision for loan losses	48.6			57.0			15.7			15.4		(33.1		)	(61.5		)	842.0			887.8
Noninterest income	9.8			9.7			2.2			0.3		(72.4		)	40.7			122.2			263.2
Noninterest expense	48.3			49.0			6.3			11.4		6.3			11.6			801.5			804.1
Income (loss) before income taxes	10.1			17.7			11.6			4.3		(111.8		)	(32.4		)	162.7			346.9
Income taxes (benefit)	3.1			6.1			4.0			1.5		(39.7		)	(11.6		)	56.7			126.1
Net income (loss)	7.0			11.6			7.6			2.8		(72.1		)	(20.8		)	106.0			220.8
Net income (loss) applicable to noncontrolling interests	—			—			—			—		(1.4		)	—			—			—
Net income (loss) applicable to controlling interest	$	7.0		$	11.6		$	7.6		$	2.8	$	(70.7	)	$	(20.8	)	$	106.0		$	220.8
AVERAGE BALANCE SHEET DATA
Total assets	$	3,107		$	2,582		$	981		$	947	$	(46	)	$	577		$	57,149		$	55,234
Cash and due from banks	29			47			35			25		(18		)	(17		)	667			978
Money market investments	431			17			135			113		(260		)	(163		)	8,215			7,820
Total securities	208			161			80			87		152			465			5,016			4,070
Total loans	2,379			2,298			717			709		3			2			40,155			39,335
Total deposits	2,700			2,176			841			800		(1,228		)	(1,093		)	47,806			45,619
Shareholder’s equity:
Preferred equity	25			56			3			3		173			154			1,004			1,004
Common equity	318			265			105			104		224			(223		)	6,449			5,670
Noncontrolling interests	—			—			—			—		(11		)	—			—			—
Total shareholder’s equity	343			321			108			107		386			(69		)	7,453			6,674

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Loans And Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2015

Accounts, Notes, Loans and Financing Receivable [Line Items]

Quantitative Information about Transferred Financial Assets that have been Derecognized and Other Financial Assets Managed Together [Table Text Block]

(In billions)	June 30, 2015		December 31, 2014
Loan Servicing Assets	$	1.2	$	1.2

Summary Of Major Portfolio Segment And Specific Loan Class

(In thousands)	June 30, 2015		December 31, 2014
Loans held for sale	$	152,448	$	132,504
Commercial:
Commercial and industrial	$	13,110,925	$	13,162,955
Leasing	401,548		408,974
Owner occupied	7,277,208		7,351,548
Municipal	588,985		520,887
Total commercial	21,378,666		21,444,364
Commercial real estate:
Construction and land development	2,061,716		1,986,408
Term	8,058,285		8,126,600
Total commercial real estate	10,120,001		10,113,008
Consumer:
Home equity credit line	2,348,327		2,321,150
1-4 family residential	5,193,463		5,200,882
Construction and other consumer real estate	371,622		370,542
Bankcard and other revolving plans	409,471		401,352
Other	202,434		212,360
Total consumer	8,525,317		8,506,286
Total loans	$	40,023,984	$	40,063,658

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, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	442,072		$	131,615		$	46,326		$	620,013
Additions:
Provision for loan losses	5,941			(4,983		)	(392		)	566
Adjustment for FDIC-supported/PCI loans	(19		)	57						38
Deductions:
Gross loan and lease charge-offs	(23,822		)	(3,943		)	(3,283		)	(31,048		)
Recoveries	13,598			3,050			3,158			19,806
Net loan and lease charge-offs	(10,224		)	(893		)	(125		)	(11,242		)
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	62,775		$	18,937		$	575		$	82,287
Provision credited to earnings	(2,001		)	(298		)	(27		)	(2,326		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

	Six Months Ended June 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	412,514		$	145,009		$	47,140		$	604,663
Additions:
Provision for loan losses	30,875			(31,870		)	67			(928		)
Adjustment for FDIC-supported/PCI loans	(57		)	57			—			—
Deductions:
Gross loan and lease charge-offs	(39,773		)	(4,569		)	(6,894		)	(51,236		)
Recoveries	34,211			17,169			5,496			56,876
Net loan and lease charge-offs	(5,562		)	12,600			(1,398		)	5,640
Balance at end of period	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	1,843			(2,878		)	(80		)	(1,115		)
Balance at end of period	$	60,774		$	18,639		$	548		$	79,961
Total allowance for credit losses at end of period
Allowance for loan losses	$	437,770		$	125,796		$	45,809		$	609,375
Reserve for unfunded lending commitments	60,774			18,639			548			79,961
Total allowance for credit losses	$	498,544		$	144,435		$	46,357		$	689,336

	Three Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	477,701		$	208,149		$	51,103		$	736,953
Additions:
Provision for loan losses	(29,574		)	(20,272		)	(4,570		)	(54,416		)
Adjustment for FDIC-supported/PCI loans	(384		)	—			(60		)	(444		)
Deductions:
Gross loan and lease charge-offs	(16,023		)	(2,961		)	(4,416		)	(23,400		)
Recoveries	11,245			3,024			2,945			17,214
Net loan and lease charge-offs	(4,778		)	63			(1,471		)	(6,186		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	49,870		$	35,273		$	3,550		$	88,693
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

	Six Months Ended June 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	469,213		$	216,012		$	61,066		$	746,291
Additions:
Provision for loan losses	(18,314		)	(23,163		)	(13,549		)	(55,026		)
Adjustment for FDIC-supported/PCI loans	(1,165		)	—			(96		)	(1,261		)
Deductions:
Gross loan and lease charge-offs	(25,819		)	(10,815		)	(7,561		)	(44,195		)
Recoveries	19,050			5,906			5,142			30,098
Net loan and lease charge-offs	(6,769		)	(4,909		)	(2,419		)	(14,097		)
Balance at end of period	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	89,705
Provision charged 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	$	442,965		$	187,940		$	45,002		$	675,907
Reserve for unfunded lending commitments	52,801			38,689			3,982			95,472
Total allowance for credit losses	$	495,766		$	226,629		$	48,984		$	771,379

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	June 30, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	37,037	$	3,329	$	10,382	$	50,748
Collectively evaluated for impairment	400,472		122,295		34,721		557,488
Purchased loans with evidence of credit deterioration	261		172		706		1,139
Total	$	437,770	$	125,796	$	45,809	$	609,375
Outstanding loan balances:
Individually evaluated for impairment	$	275,607	$	133,839	$	90,220	$	499,666
Collectively evaluated for impairment	21,034,441		9,915,236		8,422,221		39,371,898
Purchased loans with evidence of credit deterioration	68,618		70,926		12,876		152,420
Total	$	21,378,666	$	10,120,001	$	8,525,317	$	40,023,984

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:
(In thousands)	June 30, 2015		December 31, 2014
Commercial:
Commercial and industrial	$	164,700	$	105,591
Leasing	173		295
Owner occupied	89,356		87,243
Municipal	992		1,056
Total commercial	255,221		194,185
Commercial real estate:
Construction and land development	20,184		23,880
Term	43,465		25,107
Total commercial real estate	63,649		48,987
Consumer:
Home equity credit line	9,057		11,430
1-4 family residential	42,905		49,861
Construction and other consumer real estate	1,129		1,735
Bankcard and other revolving plans	599		196
Other	270		254
Total consumer loans	53,960		63,476
Total	$	372,830	$	306,648

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:
	June 30, 2015
(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
Commercial:
Commercial and industrial	$	13,007,655	$	64,040	$	39,230	$	103,270	$	13,110,925	$	2,221	$	117,874
Leasing	401,490		30		28		58		401,548		—		123
Owner occupied	7,207,298		24,480		45,430		69,910		7,277,208		5,233		44,423
Municipal	588,985		—		—		—		588,985		—		992
Total commercial	21,205,428		88,550		84,688		173,238		21,378,666		7,454		163,412
Commercial real estate:
Construction and land development	2,046,961		5,172		9,583		14,755		2,061,716		220		10,821
Term	8,015,187		11,522		31,576		43,098		8,058,285		17,830		29,597
Total commercial real estate	10,062,148		16,694		41,159		57,853		10,120,001		18,050		40,418
Consumer:
Home equity credit line	2,338,099		4,318		5,910		10,228		2,348,327		—		2,149
1-4 family residential	5,161,636		11,789		20,038		31,827		5,193,463		744		19,351
Construction and other consumer real estate	349,205		21,743		674		22,417		371,622		135		590
Bankcard and other revolving plans	407,057		1,382		1,032		2,414		409,471		680		192
Other	201,538		519		377		896		202,434		141		4
Total consumer loans	8,457,535		39,751		28,031		67,782		8,525,317		1,700		22,286
Total	$	39,725,111	$	144,995	$	153,878	$	298,873	$	40,023,984	$	27,204	$	226,116

	December 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 current 1
Commercial:
Commercial and industrial	$	13,092,731	$	28,295	$	41,929	$	70,224	$	13,162,955	$	4,677	$	64,385
Leasing	408,724		225		25		250		408,974		—		270
Owner occupied	7,275,842		29,182		46,524		75,706		7,351,548		3,334		39,649
Municipal	520,887		—		—		—		520,887		—		1,056
Total commercial	21,298,184		57,702		88,478		146,180		21,444,364		8,011		105,360
Commercial real estate:
Construction and land development	1,972,206		2,711		11,491		14,202		1,986,408		92		12,481
Term	8,082,940		14,415		29,245		43,660		8,126,600		19,700		13,787
Total commercial real estate	10,055,146		17,126		40,736		57,862		10,113,008		19,792		26,268
Consumer:
Home equity credit line	2,309,967		4,503		6,680		11,183		2,321,150		1		1,779
1-4 family residential	5,163,610		12,416		24,856		37,272		5,200,882		318		20,599
Construction and other consumer real estate	359,723		9,675		1,144		10,819		370,542		160		608
Bankcard and other revolving plans	397,882		2,425		1,045		3,470		401,352		946		80
Other	211,560		644		156		800		212,360		—		84
Total consumer loans	8,442,742		29,663		33,881		63,544		8,506,286		1,425		23,150
Total	$	39,796,072	$	104,491	$	163,095	$	267,586	$	40,063,658	$	29,228	$	154,778

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, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,092,525	$	339,180	$	666,689	$	12,531	$	13,110,925
Leasing	375,930		15,125		10,493		—		401,548
Owner occupied	6,857,103		111,000		306,661		2,444		7,277,208
Municipal	586,772		1,221		992		—		588,985
Total commercial	19,912,330		466,526		984,835		14,975		21,378,666		$	437,770
Commercial real estate:
Construction and land development	2,007,268		16,682		37,766		—		2,061,716
Term	7,815,257		57,254		182,288		3,486		8,058,285
Total commercial real estate	9,822,525		73,936		220,054		3,486		10,120,001		125,796
Consumer:
Home equity credit line	2,333,974		—		14,353		—		2,348,327
1-4 family residential	5,142,602		—		50,861		—		5,193,463
Construction and other consumer real estate	369,600		—		2,022		—		371,622
Bankcard and other revolving plans	407,649		—		1,822		—		409,471
Other	201,862		—		572		—		202,434
Total consumer loans	8,455,687		—		69,630		—		8,525,317		45,809
Total	$	38,190,542	$	540,462	$	1,274,519	$	18,461	$	40,023,984	$	609,375

	December 31, 2014
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,515,846	$	209,215	$	426,002	$	11,892	$	13,162,955
Leasing	399,032		4,868		5,074		—		408,974
Owner occupied	6,844,310		168,423		338,815		—		7,351,548
Municipal	518,513		1,318		1,056		—		520,887
Total commercial	20,277,701		383,824		770,947		11,892		21,444,364		$	412,514
Commercial real estate:
Construction and land development	1,925,685		8,464		52,259		—		1,986,408
Term	7,802,571		96,347		223,324		4,358		8,126,600
Total commercial real estate	9,728,256		104,811		275,583		4,358		10,113,008		145,009
Consumer:
Home equity credit line	2,304,352		—		16,798		—		2,321,150
1-4 family residential	5,138,660		—		62,222		—		5,200,882
Construction and other consumer real estate	367,932		—		2,610		—		370,542
Bankcard and other revolving plans	399,446		—		1,906		—		401,352
Other	211,811		—		549		—		212,360
Total consumer loans	8,422,201		—		84,085		—		8,506,286		47,140
Total	$	38,428,158	$	488,635	$	1,130,615	$	16,250	$	40,063,658	$	604,663

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, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	37,037	$	3,329	$	10,382	$	50,748
Collectively evaluated for impairment	400,472		122,295		34,721		557,488
Purchased loans with evidence of credit deterioration	261		172		706		1,139
Total	$	437,770	$	125,796	$	45,809	$	609,375
Outstanding loan balances:
Individually evaluated for impairment	$	275,607	$	133,839	$	90,220	$	499,666
Collectively evaluated for impairment	21,034,441		9,915,236		8,422,221		39,371,898
Purchased loans with evidence of credit deterioration	68,618		70,926		12,876		152,420
Total	$	21,378,666	$	10,120,001	$	8,525,317	$	40,023,984

	December 31, 2014
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	28,627	$	4,027	$	9,059	$	41,713
Collectively evaluated for impairment	382,552		140,090		37,508		560,150
Purchased loans with evidence of credit deterioration	1,335		892		573		2,800
Total	$	412,514	$	145,009	$	47,140	$	604,663
Outstanding loan balances:
Individually evaluated for impairment	$	259,207	$	167,435	$	95,267	$	521,909
Collectively evaluated for impairment	21,105,217		9,861,862		8,395,371		39,362,450
Purchased loans with evidence of credit deterioration	79,940		83,711		15,648		179,299
Total	$	21,444,364	$	10,113,008	$	8,506,286	$	40,063,658

	June 30, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	212,734	$	39,539	$	142,328	$	181,867	$	31,670
Owner occupied	164,116		89,799		53,931		143,730		4,804
Municipal	1,471		992		—		992		—
Total commercial	378,321		130,330		196,259		326,589		36,474
Commercial real estate:
Construction and land development	50,251		9,300		24,579		33,879		973
Term	174,299		99,624		46,443		146,067		2,127
Total commercial real estate	224,550		108,924		71,022		179,946		3,100
Consumer:
Home equity credit line	29,015		15,390		10,361		25,751		497
1-4 family residential	81,050		28,841		39,264		68,105		9,732
Construction and other consumer real estate	3,232		1,216		1,123		2,339		190
Other	4,673		—		3,751		3,751		173
Total consumer loans	117,970		45,447		54,499		99,946		10,592
Total	$	720,841	$	284,701	$	321,780	$	606,481	$	50,166

	December 31, 2014
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	185,520	$	43,257	$	103,565	$	146,822	$	22,852
Owner occupied	198,231		83,179		86,382		169,561		6,087
Municipal	1,535		1,056		—		1,056		—
Total commercial	385,286		127,492		189,947		317,439		28,939
Commercial real estate:
Construction and land development	60,993		16,500		26,977		43,477		1,773
Term	203,788		96,351		63,740		160,091		2,345
Total commercial real estate	264,781		112,851		90,717		203,568		4,118
Consumer:
Home equity credit line	30,209		14,798		11,883		26,681		437
1-4 family residential	86,575		37,096		35,831		72,927		8,494
Construction and other consumer real estate	3,902		1,449		1,410		2,859		233
Other	6,580		—		5,254		5,254		133
Total consumer loans	127,266		53,343		54,378		107,721		9,297
Total	$	777,333	$	293,686	$	335,042	$	628,728	$	42,354

	Three Months Ended June 30, 2015				Six Months Ended June 30, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	174,911	$	2,831	$	155,584	$	4,255
Owner occupied	144,613		3,186		142,817		6,970
Municipal	1,008		—		1,021		—
Total commercial	320,532		6,017		299,422		11,225
Commercial real estate:
Construction and land development	35,562		1,628		36,215		2,177
Term	144,054		5,063		142,439		10,038
Total commercial real estate	179,616		6,691		178,654		12,215
Consumer:
Home equity credit line	25,400		416		24,948		821
1-4 family residential	69,874		534		68,464		1,041
Construction and other consumer real estate	2,497		22		2,529		64
Bankcard and other revolving plans	—		1		1		100
Other	4,176		230		4,463		516
Total consumer loans	101,947		1,203		100,405		2,542
Total	$	602,095	$	13,911	$	578,481	$	25,982

	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	$	194,683	$	4,212	$	188,136	$	6,802
Owner occupied	232,662		4,532		236,250		9,286
Municipal	9,270		—		9,615		—
Total commercial	436,615		8,744		434,001		16,088
Commercial real estate:
Construction and land development	61,957		1,394		64,265		4,932
Term	245,827		6,618		260,749		20,568
Total commercial real estate	307,784		8,012		325,014		25,500
Consumer:
Home equity credit line	25,854		372		25,470		774
1-4 family residential	82,353		512		81,909		1,052
Construction and other consumer real estate	3,164		36		3,166		74
Bankcard and other revolving plans	—		1		5		1
Other	7,314		421		7,854		930
Total consumer loans	118,685		1,342		118,404		2,831
Total	$	863,084	$	18,098	$	877,419	$	44,419

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

	June 30, 2015
	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	$	1,819	$	3,654	$	16	$	115	$	213	$	21,388	$	27,205
Owner occupied	2,064		1,306		945		—		8,623		17,705		30,643
Total commercial	3,883		4,960		961		115		8,836		39,093		57,848
Commercial real estate:
Construction and land development	—		—		—		—		494		13,378		13,872
Term	7,142		896		173		974		2,277		30,129		41,591
Total commercial real estate	7,142		896		173		974		2,771		43,507		55,463
Consumer:
Home equity credit line	741		833		10,539		—		265		2,038		14,416
1-4 family residential	2,507		362		7,205		439		3,214		36,710		50,437
Construction and other consumer real estate	279		496		36		—		—		1,171		1,982
Total consumer loans	3,527		1,691		17,780		439		3,479		39,919		66,835
Total accruing	14,552		7,547		18,914		1,528		15,086		122,519		180,146
Nonaccruing
Commercial:
Commercial and industrial	159		467		—		3,616		6,782		37,336		48,360
Owner occupied	2,274		1,105		—		5,870		119		11,393		20,761
Municipal	—		992		—		—		—		—		992
Total commercial	2,433		2,564		—		9,486		6,901		48,729		70,113
Commercial real estate:
Construction and land development	10,706		62		—		—		3,229		3,708		17,705
Term	2,710		—		845		2,142		2,938		10,107		18,742
Total commercial real estate	13,416		62		845		2,142		6,167		13,815		36,447
Consumer:
Home equity credit line	10		528		669		61		—		48		1,316
1-4 family residential	8		280		1,897		180		1,040		6,785		10,190
Construction and other consumer real estate	—		147		—		67		—		78		292
Total consumer loans	18		955		2,566		308		1,040		6,911		11,798
Total nonaccruing	15,867		3,581		3,411		11,936		14,108		69,455		118,358
Total	$	30,419	$	11,128	$	22,325	$	13,464	$	29,194	$	191,974	$	298,504

	December 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	$	2,611	$	6,509	$	18	$	3,203	$	3,855	$	34,585	$	50,781
Owner occupied	19,981		1,124		960		1,251		10,960		17,505		51,781
Total commercial	22,592		7,633		978		4,454		14,815		52,090		102,562
Commercial real estate:
Construction and land development	—		—		—		—		521		19,854		20,375
Term	7,328		9,027		179		3,153		2,546		39,007		61,240
Total commercial real estate	7,328		9,027		179		3,153		3,067		58,861		81,615
Consumer:
Home equity credit line	742		70		11,320		—		166		1,281		13,579
1-4 family residential	2,425		552		6,828		446		753		34,719		45,723
Construction and other consumer real estate	290		422		42		90		—		1,227		2,071
Total consumer loans	3,457		1,044		18,190		536		919		37,227		61,373
Total accruing	33,377		17,704		19,347		8,143		18,801		148,178		245,550
Nonaccruing
Commercial:
Commercial and industrial	442		576		—		611		5,199		20,410		27,238
Owner occupied	2,714		1,219		—		883		2,852		12,040		19,708
Municipal	—		1,056		—		—		—		—		1,056
Total commercial	3,156		2,851		—		1,494		8,051		32,450		48,002
Commercial real estate:
Construction and land development	11,080		68		—		93		3,300		6,427		20,968
Term	2,851		—		—		—		277		4,607		7,735
Total commercial real estate	13,931		68		—		93		3,577		11,034		28,703
Consumer:
Home equity credit line	—		—		420		203		—		399		1,022
1-4 family residential	3,378		1,029		1,951		191		3,527		9,413		19,489
Construction and other consumer real estate	—		463		—		—		—		100		563
Total consumer loans	3,378		1,492		2,371		394		3,527		9,912		21,074
Total nonaccruing	20,465		4,411		2,371		1,981		15,155		53,396		97,779
Total	$	53,842	$	22,115	$	21,718	$	10,124	$	33,956	$	201,574	$	343,329

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.

	Three Months Ended June 30, 2015						Six Months Ended June 30, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	135	$	135	$	—	$	135	$	135
Owner occupied	—		1,098		1,098		—		2,057		2,057
Total commercial	—		1,233		1,233		—		2,192		2,192
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		846		846		—		846		846
Total commercial real estate	—		846		846		—		846		846
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		107		107		—		107		107
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		107		107		—		107		107
Total	$	—	$	2,186	$	2,186	$	—	$	3,145	$	3,145

	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

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2015 and 2014 were $88.7 millionand

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)	2015			2014			2015			2014
Commercial:
Commercial and industrial	$	(64	)	$	(7	)	$	(119	)	$	20
Owner occupied	(72		)	(133		)	(184		)	(276		)
Total commercial	(136		)	(140		)	(303		)	(256		)
Commercial real estate:
Construction and land development	(26		)	(51		)	(63		)	(106		)
Term	(103		)	(137		)	(212		)	(285		)
Total commercial real estate	(129		)	(188		)	(275		)	(391		)
Consumer:
Home equity credit line	—			(2		)	(1		)	(4		)
1-4 family residential	(267		)	(287		)	(538		)	(587		)
Construction and other consumer real estate	(7		)	(8		)	(14		)	(17		)
Total consumer loans	(274		)	(297		)	(553		)	(608		)
Total decrease to interest income1	$	(539	)	$	(625	)	$	(1,131	)	$	(1,255	)

¹  Calculated 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, 2015		December 31, 2014
Commercial	$	84,120	$	104,942
Commercial real estate	98,170		118,217
Consumer	14,579		17,910
Outstanding balance	$	196,869	$	241,069
Carrying amount	$	152,420	$	179,299
Less ALLL	1,139		2,800
Carrying amount, net	$	151,281	$	176,499

Schedule Of Changes In The Accretable Yield For PCI Loans

(In thousands)	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014
Balance at beginning of period	$	50,931		$	65,765		$	45,055		$	77,528
Accretion	(11,674		)	(14,181		)	(21,257		)	(36,488		)
Reclassification from nonaccretable difference	4,579			5,531			17,860			14,451
Disposals and other	2,866			3,719			5,044			5,343
Balance at end of period	$	46,702		$	60,834		$	46,702		$	60,834

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.

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Loans And Allowance For Credit Losses (Summary Of Nonaccrual Loans) (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	[1]	$ 226,116	$ 154,778
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		20,184	23,880
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		270	254
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		164,700	105,591
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		173	295
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		89,356	87,243
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		992	1,056
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		255,221	194,185
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		43,465	25,107
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		63,649	48,987
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		9,057	11,430
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		42,905	49,861
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		1,129	1,735
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		599	196
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		53,960	63,476
Financing Receivables, Total [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		$ 372,830	$ 306,648

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

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Investment Securities (Summary Of Amount Of Gross Unrealized Losses For Debt Securities And Estimated Fair Value) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses		$ 13,602
Available-for-sale, Less than 12 months - Estimated fair value		1,326,690
Available-for-sale, 12 months or more - Gross unrealized losses		129,717
Available-for-sale, 12 months or more - Estimated fair value		699,056
Available-for-sale, Total - Gross unrealized losses		143,319
Available-for-sale, Total - Estimated fair value		2,025,746
Investment Securities Gross Unrealized Losses Less Than 12 Months	$ 20,933	14,182
Investment Securities Estimated Fair Value Less Than 12 Months	2,215,948	1,389,574
Investment Securities Gross Unrealized Losses 12 Months or More	12,714	170,303
Investment Securities Estimated Fair Value 12 Months or More	659,722	770,245
Investment Securities Gross Unrealized Losses Total	33,647	184,485
Investment Securities Estimated Fair Value Total	2,875,670	2,159,819
Municipal Securities [Member]
Investment [Line Items]
Held-to-maturity, Less than 12 months - Gross unrealized losses	2,036	527
Held-to-maturity, Less than 12 months - Estimated fair value	150,067	62,762
Held-to-maturity, 12 months or more - Gross unrealized losses	90	277
Held-to-maturity, 12 months or more - Estimated fair value	3,818	14,003
Held-to-maturity, Total - Gross unrealized losses	2,126	804
Held-to-maturity, Total - Estimated fair value	153,885	76,765
Available-for-sale, Less than 12 months - Gross unrealized losses	492	258
Available-for-sale, Less than 12 months - Estimated fair value	57,736	36,551
Available-for-sale, 12 months or more - Gross unrealized losses	19	687
Available-for-sale, 12 months or more - Estimated fair value	1,627	4,616
Available-for-sale, Total - Gross unrealized losses	511	945
Available-for-sale, Total - Estimated fair value	59,363	41,167
Available-for-sale Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	0
Available-for-sale, Less than 12 months - Estimated fair value	0
Agency Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	5,823	4,510
Available-for-sale, Less than 12 months - Estimated fair value	162,727	295,694
Available-for-sale, 12 months or more - Gross unrealized losses	6,052	3,833
Available-for-sale, 12 months or more - Estimated fair value	291,372	101,188
Available-for-sale, Total - Gross unrealized losses	11,875	8,343
Available-for-sale, Total - Estimated fair value	454,099	396,882
Agency Guaranteed Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	8,960	1,914
Available-for-sale, Less than 12 months - Estimated fair value	1,497,852	425,114
Available-for-sale, 12 months or more - Gross unrealized losses	321	191
Available-for-sale, 12 months or more - Estimated fair value	19,035	12,124
Available-for-sale, Total - Gross unrealized losses	9,281	2,105
Available-for-sale, Total - Estimated fair value	1,516,887	437,238
Small Business Administration Loan-Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	3,622	5,869
Available-for-sale, Less than 12 months - Estimated fair value	347,566	495,817
Available-for-sale, 12 months or more - Gross unrealized losses	4,309	3,022
Available-for-sale, 12 months or more - Estimated fair value	330,790	175,523
Available-for-sale, Total - Gross unrealized losses	7,931	8,891
Available-for-sale, Total - Estimated fair value	678,356	671,340
Mutual Funds And Other [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses		1,044
Available-for-sale, Less than 12 months - Estimated fair value		71,907
Available-for-sale, 12 months or more - Gross unrealized losses		0
Available-for-sale, 12 months or more - Estimated fair value		0
Available-for-sale, Total - Gross unrealized losses		1,044
Available-for-sale, Total - Estimated fair value		71,907
Held-to-maturity Securities [Member]
Investment [Line Items]
Held-to-maturity, Less than 12 months - Gross unrealized losses		580
Held-to-maturity, Less than 12 months - Estimated fair value		62,884
Held-to-maturity, 12 months or more - Gross unrealized losses		40,586
Held-to-maturity, 12 months or more - Estimated fair value		71,189
Held-to-maturity, Total - Gross unrealized losses		41,166
Held-to-maturity, Total - Estimated fair value		134,073
Available-for-sale Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	18,897	12,558
Available-for-sale, Less than 12 months - Estimated fair value	2,065,881	1,254,783
Available-for-sale, 12 months or more - Gross unrealized losses	12,624	129,717
Available-for-sale, 12 months or more - Estimated fair value	655,904	699,056
Available-for-sale, Total - Gross unrealized losses	31,521	142,275
Available-for-sale, Total - Estimated fair value	2,721,785	1,953,839
Available-for-sale Securities [Member] | Municipal Securities [Member]
Investment [Line Items]
Available-for-sale, 12 months or more - Gross unrealized losses	1,923
Available-for-sale, 12 months or more - Estimated fair value	13,080
Available-for-sale, Total - Gross unrealized losses	1,923
Available-for-sale, Total - Estimated fair value	$ 13,080
Asset-backed Securities [Member] | Trust Preferred Securities - Banks And Insurance [Member]
Investment [Line Items]
Held-to-maturity, Less than 12 months - Gross unrealized losses		53
Held-to-maturity, Less than 12 months - Estimated fair value		122
Held-to-maturity, 12 months or more - Gross unrealized losses		40,309
Held-to-maturity, 12 months or more - Estimated fair value		57,186
Held-to-maturity, Total - Gross unrealized losses		40,362
Held-to-maturity, Total - Estimated fair value		57,308
Available-for-sale, Less than 12 months - Gross unrealized losses		0
Available-for-sale, Less than 12 months - Estimated fair value		0
Available-for-sale, 12 months or more - Gross unrealized losses		121,984
Available-for-sale, 12 months or more - Estimated fair value		405,605
Available-for-sale, Total - Gross unrealized losses		121,984
Available-for-sale, Total - Estimated fair value		405,605
Asset-backed Securities [Member] | Auction Rate Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses		7
Available-for-sale, Less than 12 months - Estimated fair value		1,607
Available-for-sale, 12 months or more - Gross unrealized losses		0
Available-for-sale, 12 months or more - Estimated fair value		0
Available-for-sale, Total - Gross unrealized losses		7
Available-for-sale, Total - Estimated fair value		$ 1,607

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Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Net income for the period	$ 13,960	$ 119,550	$ 105,985	$ 220,760
Other comprehensive income, net of tax:
Unrealized holding gains (losses) on investment securities	(7,294)	8,551	(6,808)	82,458
Reclassification of HTM securities to AFS Securities	0	0	10,938	0
Reclassification to earnings for realized net fixed income securities losses (gains)	85,664	(3,104)	85,812	(27,944)
Reclassification to earnings for net credit-related impairment losses on investment securities	0	0	0	17
Accretion of securities with noncredit-related impairment losses not expected to be sold	0	273	0	559
Net unrealized holding gains (losses) on derivative instruments	(219)	1,199	2,334	1,519
Net unrealized gains (losses) on other noninterest-bearing investments	2,339	2,054	1,975	(787)
Reclassification adjustment for increase in interest income recognized in earnings on derivatives instruments	(753)	(348)	(1,382)	(558)
Other comprehensive income (loss)	79,737	8,625	92,869	55,264
Comprehensive income applicable to controlling interest	$ 93,697	$ 128,175	$ 198,854	$ 276,024

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Certain Recent Accounting Pronouncements (Notes)

6 Months Ended

Jun. 30, 2015

Certain Recent Accounting Pronouncements [Abstract]

Certain Recent Accounting Pronouncements [Text Block]

2. RECENT ACCOUNTING PRONOUNCEMENTS

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Company
ASU 2015-07, Disclosures for Investments in Certain Entities That Calculate Net Asset Value per Share (or its Equivalent), (Topic 820)	The guidance eliminates the current requirement to categorize within the fair value hierarchy investments whose fair values are measured at net asset value (“NAV”) using the practical expedient in ASC 820. Fair value disclosure of these investments will be made to facilitate reconciliation to amounts reported on the balance sheet. Other related disclosures will continue when the NAV practical expedient is used. Adoption is retrospective and early adoption is permitted.	January 1, 2016	We do not currently expect this new disclosure guidance will have a material impact on the Company’s financial statements.

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Company (continued)
ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement (Subtopic 350-40)	The standard provides guidance to determine whether an arrangement includes a software license. If it does, the customer accounts for it the same way as for other software licenses. If no software license is included, the customer accounts for it as a service contract. Adoption may be retrospective or prospective. Early adoption is permitted.	January 1, 2016	We are currently evaluating the impact this new guidance may have on the Company’s financial statements.
ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs (Subtopic 835-30)	The standard requires that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of the associated debt liability, consistent with debt discounts. Adoption is retrospective and early adoption is permitted.	January 1, 2016	We currently include debt issuance costs in other assets. The amount to be reclassified to the debt liability is not material to the Company’s financial statements.
ASU 2015-02, Amendments to the Consolidation Analysis (Topic 810)	The new standard changes certain criteria in the variable interest model and the voting model to determine whether certain legal entities are variable interest entities (“VIEs”) and whether they should be consolidated. Additional disclosures are required regarding entities not currently considered VIEs, but may become VIEs under the new guidance and may be subject to consolidation. Adoption may be retrospective or modified retrospective with a cumulative effect adjustment. Early adoption is permitted.	January 1, 2016	We currently do not consolidate any VIEs and do not expect this new guidance will have a material impact on the Company’s financial statements.
ASU 2014-09, Revenue from Contracts with Customers (Topic 606)	The core principle is that a company will recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services. The banking industry does not expect significant changes because major sources of revenue are from financial instruments that have been excluded from the scope of the new standard, (including loans, derivatives, debt and equity securities, etc.). However, the new standard affects other fees charged by banks, such as asset management fees, credit card interchange fees, deposit account fees, etc. Adoption may be made on a full retrospective basis with practical expedients, or on a modified retrospective basis with a cumulative effect adjustment. Early adoption may be made as of the current effective date, assuming deferral is enacted.	January 1, 2017 (FASB announced on July 9, 2015 a one-year deferral from effective date shown above; ASU still to be issued.)	While we currently do not expect this standard will have a material impact on the Company’s financial statements, we are still in process of conducting our evaluation.
Standards adopted by the Company
ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure (Subtopic 310-40)	The standard addresses the classification of certain foreclosed mortgage loans fully or partially guaranteed under government programs. Under certain such programs, qualifying creditors can extend mortgage loans with a guarantee entitling the creditor to recover all or a portion of the unpaid principal balance from the government if the borrower defaults. A separate other receivable is established that is measured based on the amount of the loans expected to be recovered.	January 1, 2015	Our adoption of this standard had no impact on the accompanying financial statements.

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Company (continued)
ASU 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (Subtopic 310-40)	The standard clarifies that a creditor should be considered to have physical possession of a residential real estate property collateralizing a residential mortgage loan and thus would reclassify the loan to other real estate owned when certain conditions are satisfied. Additional financial statement disclosures will be required.	January 1, 2015	Our adoption of this standard added a nominal amount of additional disclosure to Note 6.
ASU 2014-01, Accounting for Investments in Qualified Affordable Housing Projects (Topic 323)	The standard revised conditions an entity must meet to elect the effective yield method when accounting for qualified affordable housing project investments. The EITF final consensus changed the method of amortizing a Low-Income Housing Tax Credit (“LIHTC”) investment from the effective yield method to a proportional amorti-zation method. Amortization would be proportional to the tax credits and tax benefits received but, under a practical expedient available in certain circumstances, amortization could be proportional to only the tax credits. Reporting entities that invest in LIHTC investments through a limited liability entity could elect the proportional amortization method if certain conditions are met.	January 1, 2015	Our adoption of this standard did not have a material impact on the accompanying financial statements.

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Derivative Instruments And Hedging Activities (Narrative) (Details) - USD ($)		3 Months Ended				6 Months Ended
		Jun. 30, 2015		Jun. 30, 2014		Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Derivative [Line Items]
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net		$ (424,000)		$ 1,988,000		$ 3,829,000	$ 2,526,000
Derivative Instruments in Hedges, Net Investment in Foreign Operations, Assets, Fair Value		0				0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		1,218,000		577,000		2,234,000	928,000
Fair values of derivative assets reduced (increased) by net credit valuation adjustments		1,700,000		1,900,000		1,700,000	1,900,000
Fair values of derivative liabilities reduced (increased) by net credit valuation adjustments		100,000		500,000		100,000	500,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Future Expected						8,700,000
Total derivatives, Notional amount		4,037,709,000				4,037,709,000		$ 3,488,773,000
Cash collateral pledged for derivative liabilities		46,300,000				46,300,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch		1,700,000				1,700,000
Derivative Instrument, Noninterest Income (Expense)		5,570,000		1,502,000		8,823,000	(4,757,000)
Derivatives Designated As Hedging Instrument Offset To Interest Expense		$ 465,000		608,000		$ 933,000	1,326,000
Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative Instrument, Noninterest Income (Expense)	[1]
Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net		$ (424,000)		1,988,000		$ 3,829,000	2,526,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		1,218,000		577,000		2,234,000	928,000
Total derivatives, Notional amount		$ 737,500,000				$ 737,500,000		275,000,000
Derivative Instrument, Noninterest Income (Expense)
Derivatives Designated As Hedging Instrument Offset To Interest Expense		$ 465,000		608,000		$ 933,000	1,326,000
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net	[1]	(424,000)		1,988,000		3,829,000	2,526,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	[1]	1,218,000		577,000		2,234,000	928,000
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net		(424,000)	[1]	1,988,000	[1]	3,829,000	2,526,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		1,218,000	[1]	577,000	[1]	2,234,000	928,000
Total derivatives, Notional amount	[1]	737,500,000				737,500,000		275,000,000
Derivatives Designated As Hedging Instruments [Member] | Fair Value Hedging [Member] | Terminated Swaps On Long Term Debt [Member]
Derivative [Line Items]
Derivatives Designated As Hedging Instrument Offset To Interest Expense		465,000		608,000		933,000	1,326,000
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,300,209,000				3,300,209,000		3,213,773,000
Derivative Instrument, Noninterest Income (Expense)		5,570,000		1,502,000		8,823,000	(4,757,000)
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Derivative Instrument, Noninterest Income (Expense)				348,000	[2]		354,000
Derivatives Not Designated As Hedging Instruments [Member] | Total Return Swap [Member]
Derivative [Line Items]
Derivative Instrument, Noninterest Income (Expense)				(467,000)			(7,894,000)
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Total derivatives, Notional amount	[2]	2,984,909,000				2,984,909,000		2,770,052,000
Derivative Instrument, Noninterest Income (Expense)		3,873,000	[2]	(377,000)	[2]	4,390,000	(926,000)
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Total derivatives, Notional amount		315,300,000				315,300,000		443,721,000
Derivative Instrument, Noninterest Income (Expense)		1,697,000		$ 1,998,000		4,432,000	$ 3,709,000
Other Liabilities [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		60,245,000				60,245,000		66,064,000
Other Liabilities [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		398,000				398,000		123,000
Other Liabilities [Member] | Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability	[1]	398,000				398,000		123,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		59,847,000				59,847,000		65,941,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability	[2]	45,598,000				45,598,000		50,669,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		14,249,000				14,249,000		15,272,000
Other Liabilities [Member] | Derivative Financial Instruments, Liabilities [Member]
Derivative [Line Items]
Gross amounts recognized		$ 60,245,000				$ 60,245,000		$ 66,064,000

[1] Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain.

[2] Notional amounts include both the customer swaps and the offsetting derivative contracts.

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Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis Using Level 3 Inputs) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total net gains (losses) included in, Other noninterest expense	$ 53,347	$ 66,941	$ 111,778	$ 139,615
Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	2,465	10,184	4,164	10,662
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale	1	8	3	18
Total net gains (losses) included in, Fixed income securities gains (losses), net	(375)		(344)	16
Total net gains (losses) included in, Other comprehensive income (loss)	560	92	687	(182)
Total net gains (losses) included in, Sales	$ 2,651		2,651
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements		(246)	(1,859)	(476)
Fair value of assets, Ending balance	$ 0	10,038	0	10,038
Banks, Trust and Insurance, Equities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	438,338	690,217	393,007	1,238,820
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale	214	633	471	1,353
Total net gains (losses) included in, Fixed income securities gains (losses), net	(136,368)	4,383	(136,691)	22,965
Total net gains (losses) included in, Other noninterest expense			57,308
Total net gains (losses) included in, Other comprehensive income (loss)	148,496	$ 6,878	141,547	101,340
Total net gains (losses) included in, Sales	437,442		440,055	546,388
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	(13,238)	$ (16,306)	(15,587)	(63,092)
Fair value of assets, Ending balance	0	$ 685,805	0	685,805
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3				69,193
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Net Impairment Losses On Investment Securities
Trust Preferred Securities - Real Estate Investment Trusts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance		$ 0		$ 22,996
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale
Total net gains (losses) included in, Fixed income securities gains (losses), net				$ 1,399
Total net gains (losses) included in, Other comprehensive income (loss)
Total net gains (losses) included in, Sales
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements				$ 24,395
Fair value of assets, Ending balance		$ 0		0
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Net Impairment Losses On Investment Securities
Auction Rate Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance		$ 6,560		6,599
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale		$ 1		2
Total net gains (losses) included in, Fixed income securities gains (losses), net
Total net gains (losses) included in, Other comprehensive income (loss)		$ 17		(23)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements
Fair value of assets, Ending balance		$ 6,578		6,578
Other Asset-Backed [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	$ 4,803	$ 30	4,761	$ 25,800
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale
Total net gains (losses) included in, Fixed income securities gains (losses), net	$ (606)		(606)	$ 10,917
Total net gains (losses) included in, Other comprehensive income (loss)	(116)		(74)	(15)
Total net gains (losses) included in, Sales	$ 4,081		$ 4,081	36,669
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements		$ (2)		(5)
Fair value of assets, Ending balance	$ 0	$ 28	$ 0	28
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Net Impairment Losses On Investment Securities
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	105,232	$ 81,052	97,649	82,410
Total net gains (losses) included in, Dividends and other investment income	(1,633)	(1,052)	(559)	(2,747)
Total net gains (losses) included in, Equity securities gains, net	714	584	3,967	584
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	7,262	7,104	12,314	8,460
Total net gains (losses) included in, Sales	(991)	(15)	(2,508)	(839)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	(469)	(5,417)	(748)	(5,612)
Fair value of assets, Ending balance	110,115	82,256	110,115	82,256
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of liabilities, Beginning balance	12,001	11,207	12,227	8,852
Total net gains (losses) included in, Fixed income securities gains (losses), net			1,487
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	1,483	45		526
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	210	379	381	2,456
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	(192)	(170)	(593)	(373)
Fair value of liabilities, Ending balance	13,502	11,461	13,502	11,461
Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of liabilities, Beginning balance	$ 0	(5,632)	(13)	(4,303)
Derivative, Gain (Loss) on Derivative, Net		(467)		(7,894)
Total net gains (losses) included in, Other noninterest expense		101		109
Total net gains (losses) included in, Purchases		5,866		11,956
Fair value of liabilities, Ending balance	$ 0	$ (132)	0	$ (132)
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Net Impairment Losses On Investment Securities			13
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Liabilities, Fair Value Disclosure					$ 13
Other Postretirement Benefits, Individual Contracts, Type of Deferred Compensation [Domain] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	89,729		89,729		88,878
Other Liabilities, Fair Value Disclosure	89,729		89,729		88,878
Other Postretirement Benefits, Individual Contracts, Type of Deferred Compensation [Domain] | Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	89,729		89,729		88,878
Other Liabilities, Fair Value Disclosure	$ 89,729		$ 89,729		$ 88,878

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Derivative Instruments And Hedging Activities Derivative Instruments and Hedging Activities (Tables)

6 Months Ended

Jun. 30, 2015

Summary of Derivative Instruments [Abstract]

Schedule of Derivative Instruments

	June 30, 2015						December 31, 2014
	Notional amount		Fair value				Notional amount		Fair value
(In thousands)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments
Cash flow hedges:
Interest rate swaps	$	737,500	$	3,379	$	398	$	275,000	$	1,508	$	123
Total derivatives designated as hedging instruments	737,500		3,379		398		275,000		1,508		123
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2	2,984,909		43,968		45,598		2,770,052		48,287		50,669
Foreign exchange	315,300		16,615		14,249		443,721		16,625		15,272
Total derivatives not designated as hedging instruments	3,300,209		60,583		59,847		3,213,773		64,912		65,941
Total derivatives	$	4,037,709	$	63,962	$	60,245	$	3,488,773	$	66,420	$	66,064

Schedule Of Gain (Loss) Of Derivative Instruments

	Three Months Ended June 30, 2015									Six Months Ended June 30, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI			Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	(424	)	$	1,218					$	3,829	$	2,234
	(424		)	1,218						3,829		2,234
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	465							$	933
Total derivatives designated as hedging instruments	(424		)	1,218				465		3,829		2,234				933
Derivatives not designated as hedging instruments
Interest rate swaps for customers 2						$	3,873							$	4,390
Futures contracts						—								1
Foreign exchange						1,697								4,432
Total derivatives not designated as hedging instruments						5,570								8,823
Total derivatives	$	(424	)	$	1,218	$	5,570	$	465	$	3,829	$	2,234	$	8,823	$	933

	Three Months Ended June 30, 2014									Six Months Ended June 30, 2014
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense		OCI		Reclassified from AOCI to interest income 3		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Asset derivatives
Cash flow hedges 1:
Interest rate swaps	$	1,988	$	577						$	2,526	$	928
	1,988		577							2,526		928
Liability derivatives
Fair value hedges:
Terminated swaps on long-term debt								$	608								$	1,326
Total derivatives designated as hedging instruments	1,988		577					608		2,526		928					1,326
Derivatives not designated as hedging instruments
Interest rate swaps					$	348								$	354
Interest rate swaps for customers 2					(377		)							(926		)
Foreign exchange					1,998									3,709
Total return swap					(467		)							(7,894		)
Total derivatives not designated as hedging instruments					1,502									(4,757		)
Total derivatives	$	1,988	$	577	$	1,502		$	608	$	2,526	$	928	$	(4,757	)	$	1,326

Note: These schedules are not intended to present at any given time the Company’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain.

²  Notional amounts include both the customer swaps and the offsetting derivative contracts.

³  Amounts for the three and six months endedJune 30, of $1.2 million and $2.2 million in 2015, and $0.6 million and $0.9 million in 2014, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

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Commitments, Guarantees, And Contingent Liabilities (Narrative) (Details) $ in Millions	Jun. 30, 2015 USD ($)
Guarantor Obligations [Line Items]
Letters of credit, accrued liability	$ 14.7
Reserve for unfunded lending commitments	11.9
Deferred commitment fees	2.8
Guarantee of trust preferred securities issued by affiliated trusts	15.0
Commitments for Private Equity and Other Noninterest-bearing Investments	48.0
Range of possible loss, minimum	0.0
Range of possible loss, maximum	$ 50.0

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Investment Securities (Narrative) (Details) $ in Thousands			3 Months Ended			6 Months Ended		12 Months Ended
	Jun. 30, 2015 USD ($) Securities yr	Dec. 31, 2014 USD ($) Securities	Jun. 30, 2015 USD ($) Securities	Mar. 31, 2015 USD ($)	Mar. 31, 2014 USD ($)	Jun. 30, 2015 USD ($) Securities	Jun. 30, 2014 USD ($)	Dec. 31, 2014 USD ($) Securities
Investment [Line Items]
Sale of CDO, Amortized Cost			$ 574,000
Held-to-maturity, Amortized cost	$ 570,869	$ 686,951	570,869			$ 570,869		$ 686,951
Private equity investments prohibited by Volker rule	$ 25,000		$ 25,000			$ 25,000
Number of HTM investment securities in an unrealized loss position | Securities	287	153	287			287		153
Number of AFS investment securities in an unrealized loss position | Securities	545	458	545			545		458
Carrying value of pledged securities	$ 1,600,000	$ 1,400,000	$ 1,600,000			$ 1,600,000		$ 1,400,000
Private Equity Investments	131,000		131,000			131,000
Par Value of CDO Securities Sold							$ 1,018,000
Realized Losses on Sales of CDOs			(137,000)
Unrealized Gain on Securities					$ 148,000
CDO Securities, Payoffs and Paydowns			13,000
Held To Maturity Securities Gross Unrealized Losses		39,699
Private Equity Investments Sold Prohibited by Volcker Rule			4,000	$ 5,000		17,000		8,000
Commitments for Private Equity and Other Noninterest-bearing Investments	48,000		48,000			48,000
Commitments for Private Equity or Other Non-Interest Bearing Investments Prohibited by the Volcker Rule	$ 7,000		7,000			7,000
Gain (Loss) on Sale of Investments							$ 36,000
U.S. Treasury, Agencies And Corporations [Member] | Minimum [Member]
Investment [Line Items]
Investment term of maturity | yr	1
U.S. Treasury, Agencies And Corporations [Member] | Maximum [Member]
Investment [Line Items]
Investment term of maturity | yr	25
Small Business Administration Loan-Backed Securities [Member] | Minimum [Member]
Investment [Line Items]
Investment term of maturity | yr	5
Small Business Administration Loan-Backed Securities [Member] | Maximum [Member]
Investment [Line Items]
Investment term of maturity | yr	25
Municipal Securities [Member]
Investment [Line Items]
Held-to-maturity, Amortized cost	$ 570,869	607,675	$ 570,869			$ 570,869		607,675
Held To Maturity Securities Gross Unrealized Losses		0
Asset-backed Securities [Member] | Trust Preferred Securities - Banks And Insurance [Member]
Investment [Line Items]
Held-to-maturity, Amortized cost		79,276						$ 79,276
Held To Maturity Securities Gross Unrealized Losses		$ 39,699

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Retirement Plans

6 Months Ended

Jun. 30, 2015

Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]

Retirement Plans

RETIREMENT PLANS

The following discloses the net periodic benefit cost (credit) and its components for the Company’s pension and postretirement plans:

	Pension benefits						Supplemental retirement benefits				Postretirement benefits						Pension benefits						Supplemental retirement benefits				Postretirement benefits
(In thousands)	Three Months Ended June 30,																Six Months Ended June 30,
	2015			2014			2015		2014		2015			2014			2015			2014			2015		2014		2015			2014
Service cost	$	—		$	—		$	—	$	—	$	8		$	8		$	—		$	—		$	—	$	—	$	16		$	16
Interest cost	1,783			1,880			101		113		10			12			3,566			3,760			201		227		20			23
Expected return on plan assets	(3,090		)	(3,326		)											(6,180		)	(6,652		)
Amortization of prior service cost							—		13		—			—									—		25		—			—
Amortization of net actuarial (gain) loss	1,574			797			31		5		(13		)	(18		)	3,147			1,593			62		10		(26		)	(35		)
Net periodic benefit cost (credit)	$	267		$	(649	)	$	132	$	131	$	5		$	2		$	533		$	(1,299	)	$	263	$	262	$	10		$	4

As disclosed in the Company’s 2014 Annual Report on Form 10-K, the Company has frozen its participation and benefit accruals for the pension plan and its contributions for individual benefit payments in the postretirement benefit plan.