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 March 31, 2016

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 April 29, 2016 204,623,502 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	48
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	87
Item 4.	Controls and Procedures	87
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	87
Item 1A.	Risk Factors	87
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	87
Item 6.	Exhibits	88
Signatures		89

2

PART I. FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
(In thousands, except shares)	March 31, 2016			December 31, 2015
	(Unaudited)
ASSETS
Cash and due from banks	$	517,803		$	798,319
Money market investments:
Interest-bearing deposits	3,039,090			6,108,124
Federal funds sold and security resell agreements	1,587,212			619,758
Investment securities:
Held-to-maturity, at amortized cost (approximate fair value $636,484 and $552,088)	631,646			545,648
Available-for-sale, at fair value	8,701,885			7,643,116
Trading account, at fair value	65,838			48,168
	9,399,369			8,236,932
Loans held for sale	108,764			149,880
Loans and leases, net of unearned income and fees	41,418,185			40,649,542
Less allowance for loan losses	611,894			606,048
Loans, net of allowance	40,806,291			40,043,494
Other noninterest-bearing investments	855,813			848,144
Premises and equipment, net	925,430			905,462
Goodwill	1,014,129			1,014,129
Core deposit and other intangibles	14,259			16,272
Other real estate owned	10,411			7,092
Other assets	901,342			916,937
	$	59,179,913		$	59,664,543
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing demand	$	21,872,274		$	22,276,664
Interest-bearing:
Savings and money market	25,723,996			25,672,356
Time	2,071,688			2,130,680
Foreign	219,899			294,391
	49,887,857			50,374,091
Federal funds and other short-term borrowings	232,188			346,987
Long-term debt	802,448			812,366
Reserve for unfunded lending commitments	69,026			74,838
Other liabilities	562,657			548,742
Total liabilities	51,554,176			52,157,024
Shareholders’ equity:
Preferred stock, without par value, authorized 4,400,000 shares	828,490			828,490
Common stock, without par value; authorized 350,000,000 shares; issued and outstanding 204,543,707 and 204,417,093 shares	4,777,630			4,766,731
Retained earnings	2,031,270			1,966,910
Accumulated other comprehensive income (loss)	(11,653		)	(54,612		)
Total shareholders’ equity	7,625,737			7,507,519
	$	59,179,913		$	59,664,543

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 March 31,
	2016			2015
Interest income:
Interest and fees on loans	$	420,508		$	415,755
Interest on money market investments	7,029			5,218
Interest on securities	47,364			27,473
Total interest income	474,901			448,446
Interest expense:
Interest on deposits	11,845			12,104
Interest on short- and long-term borrowings	10,214			18,996
Total interest expense	22,059			31,100
Net interest income	452,842			417,346
Provision for loan losses	42,145			(1,494		)
Net interest income after provision for loan losses	410,697			418,840
Noninterest income:
Service charges and fees on deposit accounts	41,261			41,194
Other service charges, commissions and fees	49,474			43,002
Wealth management income	7,954			7,615
Loan sales and servicing income	7,979			7,706
Capital markets and foreign exchange	5,667			5,501
Dividends and other investment income	4,639			9,372
Fair value and nonhedge derivative loss	(2,585		)	(1,088		)
Equity securities gains (losses), net	(550		)	3,353
Fixed income securities gains (losses), net	28			(239		)
Other	2,894			922
Total noninterest income	116,761			117,338
Noninterest expense:
Salaries and employee benefits	258,338			243,519
Occupancy, net	29,779			29,339
Furniture, equipment and software	32,015			29,713
Other real estate expense, net	(1,329		)	374
Credit-related expense	5,934			5,939
Provision for unfunded lending commitments	(5,812		)	1,211
Professional and legal services	11,471			11,483
Advertising	5,628			6,975
FDIC premiums	7,154			8,119
Amortization of core deposit and other intangibles	2,014			2,358
Debt extinguishment cost	247			—
Other	50,134			53,947
Total noninterest expense	395,573			392,977
Income before income taxes	131,885			143,201
Income taxes	41,448			51,176
Net income	90,437			92,025
Dividends on preferred stock	(11,660		)	(16,746		)
Net earnings applicable to common shareholders	$	78,777		$	75,279
Weighted average common shares outstanding during the period:
Basic shares	203,967			202,603
Diluted shares	204,096			202,944
Net earnings per common share:
Basic	$	0.38		$	0.37
Diluted	0.38			0.37

See accompanying notes to consolidated financial statements.

4

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
	Three Months Ended March 31,
(In thousands)	2016			2015
Net income for the period	$	90,437		$	92,025
Other comprehensive income, net of tax:
Net unrealized holding gains on investment securities	32,168			486
Reclassification of HTM securities to AFS securities	—			10,938
Reclassification to earnings for realized net fixed income securities losses (gains)	(17		)	148
Net unrealized gains (losses) on other noninterest-bearing investments	430			(364		)
Net unrealized holding gains on derivative instruments	12,901			2,553
Reclassification adjustment for increase in interest income recognized in earnings on derivative instruments	(1,858		)	(629		)
Pension and postretirement	(665		)	—
Other comprehensive income	42,959			13,132
Comprehensive income	$	133,396		$	105,157

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, 2015	$	828,490	204,417,093	$	4,766,731		$	1,966,910			$	(54,612	)	$	7,507,519
Net income for the period							90,437							90,437
Other comprehensive income, net of tax											42,959			42,959
Net activity under employee plans and related tax benefits			126,614	10,899										10,899
Dividends on preferred stock							(11,660		)					(11,660		)
Dividends on common stock, $0.06 per share							(12,350		)					(12,350		)
Change in deferred compensation							(2,067		)					(2,067		)
Balance at March 31, 2016	$	828,490	204,543,707	$	4,777,630		$	2,031,270			$	(11,653	)	$	7,625,737
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							92,025							92,025
Other comprehensive income, net of tax											13,132			13,132
Subordinated debt converted to preferred stock	21			(6		)								15
Net activity under employee plans and related tax benefits			178,088	4,707										4,707
Dividends on preferred stock							(16,746		)					(16,746		)
Dividends on common stock, $0.04 per share							(8,176		)					(8,176		)
Change in deferred compensation							(189		)					(189		)
Balance at March 31, 2015	$	1,004,032	203,192,991	$	4,728,556		$	1,836,619			$	(114,909	)	$	7,454,298

See accompanying notes to consolidated financial statements.

6

ZIONS BANCORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
(In thousands)	Three Months Ended March 31,
	2016			2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$	90,437		$	92,025
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	36,333			(283		)
Depreciation and amortization	40,736			34,169
Fixed income securities losses (gains), net	(28		)	239
Deferred income tax expense (benefit)	(4,680		)	3,402
Net increase in trading securities	(17,670		)	(1,021		)
Net decrease in loans held for sale	38,566			3,517
Change in other liabilities	17,770			25,566
Change in other assets	7,301			(65,248		)
Other, net	13,997			(3,549		)
Net cash provided by operating activities	222,762			88,817
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in money market investments	2,101,580			253,274
Proceeds from maturities and paydowns of investment securities held-to-maturity	22,036			39,323
Purchases of investment securities held-to-maturity	(108,141		)	(22,576		)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	2,098,526			228,894
Purchases of investment securities available-for-sale	(3,123,244		)	(784,856		)
Net change in loans and leases	(808,358		)	(100,442		)
Purchases of premises and equipment	(40,015		)	(33,533		)
Proceeds from sales of other real estate owned	4,304			3,401
Other, net	(10,565		)	3,351
Net cash provided by (used in) investing activities	136,123			(413,164		)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	(486,234		)	275,285
Net change in short-term funds borrowed	(114,799		)	(40,626		)
Repayments of long-term debt	(10,636		)	(8,185		)
Proceeds from the issuance of common stock	538			962
Dividends paid on common and preferred stock	(27,421		)	(23,234		)
Other, net	(849		)	(939		)
Net cash provided by (used in) financing activities	(639,401		)	203,263
Net decrease in cash and due from banks	(280,516		)	(121,084		)
Cash and due from banks at beginning of period	798,319			841,942
Cash and due from banks at end of period	$	517,803		$	720,858
Cash paid for interest	$	18,430		$	22,119
Net refunds received for income taxes	(84		)	(500		)

See accompanying notes to consolidated financial statements.

7

ZIONS BANCORPORATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

March 31, 2016

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”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”).

Operating results for the three months endedMarch 31, 2016 and 2015 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2015 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 2015 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation is a financial holding company headquartered in Salt Lake City, Utah, and with its subsidiaries, provides a full range of banking and related services. Following the close of business on December 31, 2015, the Company completed the merger of its subsidiary banks and other subsidiaries into a single bank, ZB, N.A. The Company continues to manage its banking operations through seven separately managed and branded segments in 11 Western and Southwestern states as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), 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. Pursuant to a Board resolution adopted November 21, 2014, The Commerce Bank of Oregon merged into TCBW following the close of business on March 31, 2015.

8

ZIONS BANCORPORATION AND SUBSIDIARIES

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 2016-09, Stock Compensation (Topic 718), Improvements to Share-Based Payment Accounting	The standard requires entities to recognize the income tax effects of share-based payment awards in the income statement when the awards vest or are settled (i.e. the additional paid-in capital pools will be eliminated). The guidance on employers’ accounting for an employee’s use of shares to satisfy the employer’s statutory income tax withholding obligation and for forfeitures is changing. The standard also provides an entity to make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest or account for forfeitures when they occur.	January 1, 2017	We are currently evaluating the potential impact of this new guidance on the Company’s financial statements.
ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities	The standard provides revised accounting guidance related to the accounting for and reporting of financial instruments. Some of the main provisions include: – Equity investments that do not result in consolidation and are not accounted for under the equity method would be measured at fair value through net income, unless they qualify for the proposed practicability exception for investments that do not have readily determinable fair values. – Changes in instrument-specific credit risk for financial liabilities that are measured under the fair value option would be recognized in other comprehensive income. – Elimination of the requirement to disclose the methods and significant assumptions used to estimate the fair value of financial instruments carried at amortized cost. However it will require the use of exit price when measuring the fair value of financial instruments measured at amortized cost for disclosure purposes.	January 1, 2018	We do not currently 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) ASU 2016-08, Revenue from Contracts with Customers (Topic 606), Principal vs. Agent Considerations (Reporting Revenue Gross versus Net)	The core principle of the new guidance 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, these new standards affect 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 of the guidance is permitted as of January 1, 2017.	January 1, 2018, as extended in August 2015 by ASU 2015-14	While we currently do not expect these standards will have a material impact on the Company’s financial statements, we are still in process of conducting our evaluation.

9

ZIONS BANCORPORATION AND SUBSIDIARIES

ASU 2016-02,
Leases (Topic 842) The standard requires that a lessee recognize assets and liabilities for leases with lease terms of more than 12 months. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease. However, the standard will require both types of leases to be recognized on the balance sheet. It also requires disclosures to better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the financial statements. January 1, 2019 We are currently evaluating the potential impact of this new guidance on the Company’s financial statements.

10

ZIONS BANCORPORATION AND SUBSIDIARIES

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Company
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 for 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.	January 1, 2016	We currently do not consolidate any VIEs and our adoption of this standard did not have a material impact 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.	January 1, 2016	Our adoption of this standard did not have a material impact on the accompanying financial statements.
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.	January 1, 2016	We adopted this standard on a prospective basis and it did not have a material impact on the accompanying financial statements.
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.	January 1, 2016	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 March 31,
	2016		2015
Loans and leases transferred to other real estate owned	$	5,998	$	3,568
Loans held for sale reclassified as loans held for investment	1,976		13,138
Amortized cost of HTM securities reclassified as AFS securities	—		79,276

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ZIONS BANCORPORATION AND SUBSIDIARIES

4. OFFSETTING ASSETS AND LIABILITIES

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

	March 31, 2016
(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	$	1,587,212	$	—	$	1,587,212	$	—		$	—		$	1,587,212
Derivatives (included in other assets)	125,363		—		125,363		(22,322		)	—			103,041
	$	1,712,575	$	—	$	1,712,575	$	(22,322	)	$	—		$	1,690,253
Liabilities:
Federal funds and other short-term borrowings	$	232,188	$	—	$	232,188	$	—		$	—		$	232,188
Derivatives (included in other liabilities)	104,469		—		104,469		(22,322		)	(71,149		)	10,998
	$	336,657	$	—	$	336,657	$	(22,322	)	$	(71,149	)	$	243,186

	December 31, 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	$	619,758	$	—	$	619,758	$	—		$	—		$	619,758
Derivatives (included in other assets)	77,638		—		77,638		(5,916		)				71,722
	$	697,396	$	—	$	697,396	$	(5,916	)	$	—		$	691,480
Liabilities:
Federal funds and other short-term borrowings	$	346,987	$	—	$	346,987	$	—		$	—		$	346,987
Derivatives (included in other liabilities)	72,568		—		72,568		(5,916		)	(61,134		)	5,518
	$	419,555	$	—	$	419,555	$	(5,916	)	$	(61,134	)	$	352,505

Security repurchase and reverse repurchase (“resell”) 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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ZIONS BANCORPORATION AND SUBSIDIARIES

5. INVESTMENTS

Investment Securities

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

	March 31, 2016
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	631,646	$	11,519	$	6,681	$	636,484
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,497,652		14,055		856		1,510,851
Agency guaranteed mortgage-backed securities	4,487,279		17,801		9,091		4,495,989
Small Business Administration loan-backed securities	2,019,668		14,480		13,321		2,020,827
Municipal securities	552,872		4,391		1,190		556,073
Other debt securities	25,434		147		3,672		21,909
	8,582,905		50,874		28,130		8,605,649
Money market mutual funds and other	96,132		104		—		96,236
	8,679,037		50,978		28,130		8,701,885
Total	$	9,310,683	$	62,497	$	34,811	$	9,338,369

	December 31, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	545,648	$	11,218	$	4,778	$	552,088
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,231,740		4,313		2,658		1,233,395
Agency guaranteed mortgage-backed securities	3,964,593		7,919		36,037		3,936,475
Small Business Administration loan-backed securities	1,932,817		12,602		14,445		1,930,974
Municipal securities	417,374		2,177		856		418,695
Other debt securities	25,454		152		2,665		22,941
	7,571,978		27,163		56,661		7,542,480
Money market mutual funds and other	100,612		61		37		100,636
	7,672,590		27,224		56,698		7,643,116
Total	$	8,218,238	$	38,442	$	61,476	$	8,195,204

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. 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.

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Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of March 31, 2016 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	$	69,225	$	69,515	$	1,187,108	$	1,189,787
Principal return after one year through five years	238,605		242,328		3,483,268		3,491,732
Principal return after five years through ten years	203,989		207,198		2,769,584		2,781,632
Principal return after ten years	119,827		117,443		1,142,945		1,142,498
	$	631,646	$	636,484	$	8,582,905	$	8,605,649

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:

	March 31, 2016
	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	$	5,952	$	193,737	$	729	$	12,480	$	6,681	$	206,217
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	312		299,591		544		129,191		856		428,782
Agency guaranteed mortgage-backed securities	6,836		1,707,106		2,255		149,293		9,091		1,856,399
Small Business Administration loan-backed securities	4,549		539,651		8,772		528,850		13,321		1,068,501
Municipal securities	935		140,612		255		14,231		1,190		154,843
Other	—		—		3,672		11,331		3,672		11,331
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Mutual funds and other	—		—		—		—		—		—
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Total	$	18,584	$	2,880,697	$	16,227	$	845,376	$	34,811	$	3,726,073

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	December 31, 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	$	4,521	$	122,197	$	257	$	13,812	$	4,778	$	136,009
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2,176		559,196		482		131,615		2,658		690,811
Agency guaranteed mortgage-backed securities	34,583		3,639,824		1,454		65,071		36,037		3,704,895
Small Business Administration loan-backed securities	5,348		567,365		9,097		535,376		14,445		1,102,741
Municipal securities	735		102,901		121		5,733		856		108,634
Other	—		—		2,665		12,337		2,665		12,337
	42,842		4,869,286		13,819		750,132		56,661		5,619,418
Mutual funds and other	37		35,488		—		—		37		35,488
	42,879		4,904,774		13,819		750,132		56,698		5,654,906
Total	$	47,400	$	5,026,971	$	14,076	$	763,944	$	61,476	$	5,790,915

At March 31, 2016 and December 31, 2015, respectively, 157 and 187 HTM and 684 and 709 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 other comprehensive income (“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 2015 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 March 31, 2016:

OTTI – U.S. Government Agencies and Corporations

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 (“FNMA”), or the Federal Home Loan Mortgage Corporation (“FHLMC”). 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 March 31, 2016, we did not

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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 2016.

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 March 31, 2016, 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 first quarter of 2016.

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

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	HTM		AFS		Total		HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	—	$	—	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		—		—		—			1,313			1,313
Reclassification of securities from HTM to AFS	—		—		—		9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—	$	—	$	—		$	(103,238	)	$	(103,238	)

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

	Three Months Ended
	March 31, 2016					March 31, 2015
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	1	$	—
Available-for-sale	30		2			958		1,198
Other noninterest-bearing investments	3,187		3,737			3,595		242
	3,217		3,739			4,554		1,440
Net gains (losses)			$	(522	)			$	3,114
Statement of income information:
Equity securities gains (losses), net			$	(550	)			$	3,353
Fixed income securities gains (losses), net			28					(239		)
Net gains (losses)			$	(522	)			$	3,114

Interest income by security type is as follows:

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2,604	$	2,726	$	5,330	$	3,592	$	2,862	$	6,454
Available-for-sale	39,607		1,955		41,562		19,768		653		20,421
Trading	472		—		472		598		—		598
	$	42,683	$	4,681	$	47,364	$	23,958	$	3,515	$	27,473

Investment securities with a carrying value of $2.0 billion at March 31, 2016 and $2.3 billion at December 31, 2015 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.

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Private Equity Investments

Effect of Volcker Rule

The Volcker Rule (“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. Following the sales of its CDO securities, the only prohibited investments under the VR requiring divestiture by the Company were certain of its PEIs. Of the recorded PEIs of $134 million at March 31, 2016, approximately $16 million remain prohibited by the VR.

For the first quarter of 2016, we did not sell any PEIs. We sold a total of approximately $9 million of PEIs during 2015. 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 $16 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 grant banking entities an additional one-year extension to July 21, 2017. See other discussions in Notes 10 and 11.

As discussed in Note 11, we have $20 million at March 31, 2016 of unfunded commitments for PEIs, of which approximately $6 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.

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)	March 31, 2016		December 31, 2015
Loans held for sale	$	108,764	$	149,880
Commercial:
Commercial and industrial	$	13,590,238	$	13,211,481
Leasing	437,150		441,666
Owner occupied	7,022,429		7,150,028
Municipal	695,436		675,839
Total commercial	21,745,253		21,479,014
Commercial real estate:
Construction and land development	1,967,702		1,841,502
Term	8,826,375		8,514,401
Total commercial real estate	10,794,077		10,355,903
Consumer:
Home equity credit line	2,432,632		2,416,357
1-4 family residential	5,417,810		5,382,099
Construction and other consumer real estate	401,422		385,240
Bankcard and other revolving plans	438,540		443,780
Other	188,451		187,149
Total consumer	8,878,855		8,814,625
Total loans	$	41,418,185	$	40,649,542

Loan balances are presented net of unearned income and fees, which amounted to $148.5 million at March 31, 2016 and $150.3 million at December 31, 2015.

Owner occupied and commercial real estate (“CRE”) loans include unamortized premiums of approximately $24.9 million at March 31, 2016 and $26.2 million at December 31, 2015.

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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 $286.8 million at March 31, 2016 and $288.0 million at December 31, 2015.

Loans with a carrying value of approximately $25.3 billion at March 31, 2016 and $19.4 billion at December 31, 2015 have been pledged at the Federal Reserve and various Federal Home Loan Banks (“FHLBs”) as collateral for potential borrowings.

We sold loans totaling $273.2 million and $300.4 million for the three months endedMarch 31, 2016 and 2015, 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. Amounts added to loans held for sale during these periods were $235.7 million and $309.7 million, respectively.

The principal balance of sold loans for which we retain servicing was approximately $1.3 billion at both March 31, 2016 and December 31, 2015. Income from loans sold, excluding servicing, for the three months endedMarch 31, 2016 and 2015 was $3.0 million and $4.6 million, respectively.

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 and CRE 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 loan portfolio. The methodology for impaired loans is discussed subsequently. For commercial and CRE loans with commitments equal to or greater than $750,000, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators discussed subsequently are based on this grading system. Estimated losses for these commercial and CRE loans are derived from a statistical analysis of our historical default and loss given default (“LGD”) experience over the period of January 2008 through the most recent full quarter.

For consumer and small commercial and CRE loans with commitments less than $750,000, we primarily use roll rate models to forecast probable inherent losses. Roll rate models measure the rate at which these loans migrate from one delinquency category to the next worse delinquency category, and eventually to loss. We estimate roll rates for these loans using recent delinquency and loss experience by segmenting our loan portfolios 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.

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

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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:

• Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices

• Changes in international, national, regional, and local economic and business conditions

• Changes in the nature and volume of the portfolio and in the terms of loans

• Changes in the experience, ability, and depth of lending management and other relevant staff

• Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans

• Changes in the quality of the loan review system

• Changes in the value of underlying collateral for collateral-dependent loans

• The existence and effect of any concentration of credit, and changes in the level of such concentrations

• The effect of other external factors such as competition and legal and regulatory requirements

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 ACL Assumptions

During the first quarter of 2016, due to the consolidation of our separate banking charters, we enhanced our methodology to estimate the ACL on a Company-wide basis. As described previously, for large commercial and CRE loans, we began estimating historic loss factors by separately calculating historic default and LGD rates, instead of directly calculating loss rates for groupings of probability of default and LGD grades using a loss migration approach. For small commercial and CRE loans, we began using roll rate models to forecast probable inherent losses. For consumer loans, we began pooling loans by current loan-to-value, where applicable. The impact of these changes was largely neutral to the total ACL at March 31, 2016.

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Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2016
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	454,277		$	113,992		$	37,779		$	606,048
Additions:
Provision for loan losses	45,875			1,701			(5,431		)	42,145
Adjustment for FDIC-supported/PCI loans	—			—			—			—
Deductions:
Gross loan and lease charge-offs	(43,230		)	(975		)	(3,905		)	(48,110		)
Recoveries	7,065			2,994			1,752			11,811
Net loan and lease charge-offs	(36,165		)	2,019			(2,153		)	(36,299		)
Balance at end of period	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments
Balance at beginning of period	$	57,696		$	16,526		$	616		$	74,838
Provision credited to earnings	(1,429		)	(3,767		)	(616		)	(5,812		)
Balance at end of period	$	56,267		$	12,759		$	—		$	69,026
Total allowance for credit losses at end of period
Allowance for loan losses	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments	56,267			12,759			—			69,026
Total allowance for credit losses	$	520,254		$	130,471		$	30,195		$	680,920

	Three Months Ended March 31, 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	24,934			(26,887		)	459			(1,494		)
Adjustment for FDIC-supported/PCI loans	(38		)							(38		)
Deductions:
Gross loan and lease charge-offs	(15,951		)	(626		)	(3,611		)	(20,188		)
Recoveries	20,613			14,119			2,338			37,070
Net loan and lease charge-offs	4,662			13,493			(1,273		)	16,882
Balance at end of period	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	3,844			(2,580		)	(53		)	1,211
Balance at end of period	$	62,775		$	18,937		$	575		$	82,287
Total allowance for credit losses at end of period
Allowance for loan losses	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments	62,775			18,937			575			82,287
Total allowance for credit losses	$	504,847		$	150,552		$	46,901		$	702,300

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The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	March 31, 2016
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	76,987	$	3,047	$	7,230	$	87,264
Collectively evaluated for impairment	386,943		114,448		22,882		524,273
Purchased loans with evidence of credit deterioration	57		217		83		357
Total	$	463,987	$	117,712	$	30,195	$	611,894
Outstanding loan balances:
Individually evaluated for impairment	$	477,363	$	95,784	$	86,957	$	660,104
Collectively evaluated for impairment	21,219,580		10,649,342		8,782,839		40,651,761
Purchased loans with evidence of credit deterioration	48,310		48,951		9,059		106,320
Total	$	21,745,253	$	10,794,077	$	8,878,855	$	41,418,185

	December 31, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	36,909	$	3,154	$	9,462	$	49,525
Collectively evaluated for impairment	417,295		110,417		27,866		555,578
Purchased loans with evidence of credit deterioration	73		421		451		945
Total	$	454,277	$	113,992	$	37,779	$	606,048
Outstanding loan balances:
Individually evaluated for impairment	$	289,629	$	107,341	$	92,605	$	489,575
Collectively evaluated for impairment	21,129,125		10,193,840		8,712,079		40,035,044
Purchased loans with evidence of credit deterioration	60,260		54,722		9,941		124,923
Total	$	21,479,014	$	10,355,903	$	8,814,625	$	40,649,542

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.

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Nonaccrual loans are summarized as follows:
(In thousands)	March 31, 2016		December 31, 2015
Commercial:
Commercial and industrial	$	356,034	$	163,906
Leasing	14,107		3,829
Owner occupied	74,369		73,881
Municipal	926		951
Total commercial	445,436		242,567
Commercial real estate:
Construction and land development	6,152		7,045
Term	33,051		40,253
Total commercial real estate	39,203		47,298
Consumer:
Home equity credit line	10,700		8,270
1-4 family residential	43,791		50,254
Construction and other consumer real estate	645		748
Bankcard and other revolving plans	1,791		537
Other	202		186
Total consumer loans	57,129		59,995
Total	$	541,768	$	349,860

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2016
(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	$	13,464,106	$	90,610	$	35,522	$	126,132	$	13,590,238	$	4,388	$	287,662
Leasing	436,597		59		494		553		437,150		—		13,613
Owner occupied	6,965,082		21,987		35,360		57,347		7,022,429		13,350		46,289
Municipal	695,436		—		—		—		695,436		—		926
Total commercial	21,561,221		112,656		71,376		184,032		21,745,253		17,738		348,490
Commercial real estate:
Construction and land development	1,960,562		2,573		4,567		7,140		1,967,702		—		1,533
Term	8,782,301		10,173		33,901		44,074		8,826,375		18,295		15,791
Total commercial real estate	10,742,863		12,746		38,468		51,214		10,794,077		18,295		17,324
Consumer:
Home equity credit line	2,420,364		7,015		5,253		12,268		2,432,632		—		4,604
1-4 family residential	5,386,087		10,617		21,106		31,723		5,417,810		321		20,131
Construction and other consumer real estate	397,809		3,365		248		3,613		401,422		—		355
Bankcard and other revolving plans	435,092		2,241		1,207		3,448		438,540		848		1,340
Other	187,760		630		61		691		188,451		—		78
Total consumer loans	8,827,112		23,868		27,875		51,743		8,878,855		1,169		26,508
Total	$	41,131,196	$	149,270	$	137,719	$	286,989	$	41,418,185	$	37,202	$	392,322

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	December 31, 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	$	13,114,045	$	60,523	$	36,913	$	97,436	$	13,211,481	$	3,065	$	117,942
Leasing	440,963		183		520		703		441,666		—		3,309
Owner occupied	7,085,086		37,776		27,166		64,942		7,150,028		3,626		43,984
Municipal	668,207		7,586		46		7,632		675,839		46		951
Total commercial	21,308,301		106,068		64,645		170,713		21,479,014		6,737		166,186
Commercial real estate:
Construction and land development	1,835,360		842		5,300		6,142		1,841,502		—		1,745
Term	8,469,390		10,424		34,587		45,011		8,514,401		21,697		24,867
Total commercial real estate	10,304,750		11,266		39,887		51,153		10,355,903		21,697		26,612
Consumer:
Home equity credit line	2,407,972		4,717		3,668		8,385		2,416,357		—		3,053
1-4 family residential	5,340,549		14,828		26,722		41,550		5,382,099		1,036		20,939
Construction and other consumer real estate	374,987		8,593		1,660		10,253		385,240		1,337		408
Bankcard and other revolving plans	440,358		1,861		1,561		3,422		443,780		1,217		146
Other	186,436		647		66		713		187,149		—		83
Total consumer loans	8,750,302		30,646		33,677		64,323		8,814,625		3,590		24,629
Total	$	40,363,353	$	147,980	$	138,209	$	286,189	$	40,649,542	$	32,024	$	217,427

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 experience and 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

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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 and certain small commercial and CRE loans with commitments 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:

	March 31, 2016
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,245,903	$	390,768	$	953,316	$	251	$	13,590,238
Leasing	402,160		7,106		27,884		—		437,150
Owner occupied	6,577,162		156,723		288,544		—		7,022,429
Municipal	678,377		7,888		9,171		—		695,436
Total commercial	19,903,602		562,485		1,278,915		251		21,745,253		$	463,987
Commercial real estate:
Construction and land development	1,921,338		14,540		31,824		—		1,967,702
Term	8,634,484		41,331		150,560		—		8,826,375
Total commercial real estate	10,555,822		55,871		182,384		—		10,794,077		117,712
Consumer:
Home equity credit line	2,418,415		—		14,217		—		2,432,632
1-4 family residential	5,368,085		—		49,725		—		5,417,810
Construction and other consumer real estate	399,765		—		1,657		—		401,422
Bankcard and other revolving plans	433,989		—		4,551		—		438,540
Other	188,099		—		352		—		188,451
Total consumer loans	8,808,353		—		70,502		—		8,878,855		30,195
Total	$	39,267,777	$	618,356	$	1,531,801	$	251	$	41,418,185	$	611,894

	December 31, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,007,076	$	399,847	$	804,403	$	155	$	13,211,481
Leasing	411,131		5,166		25,369		—		441,666
Owner occupied	6,720,052		139,784		290,192		—		7,150,028
Municipal	663,903		—		11,936		—		675,839
Total commercial	19,802,162		544,797		1,131,900		155		21,479,014		$	454,277
Commercial real estate:
Construction and land development	1,786,610		42,348		12,544		—		1,841,502
Term	8,319,348		47,245		139,036		8,772		8,514,401
Total commercial real estate	10,105,958		89,593		151,580		8,772		10,355,903		113,992
Consumer:
Home equity credit line	2,404,635		—		11,722		—		2,416,357
1-4 family residential	5,325,519		—		56,580		—		5,382,099
Construction and other consumer real estate	381,738		—		3,502		—		385,240
Bankcard and other revolving plans	440,282		—		3,498		—		443,780
Other	186,836		—		313		—		187,149
Total consumer loans	8,739,010		—		75,615		—		8,814,625		37,779
Total	$	38,647,130	$	634,390	$	1,359,095	$	8,927	$	40,649,542	$	606,048

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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. Purchase credit-impaired (“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 months endedMarch 31, 2016 and 2015 was not significant.

Information on impaired loans individually evaluated is summarized as follows, including the average recorded investment and interest income recognized for the three months endedMarch 31, 2016 and 2015:

	March 31, 2016
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	457,773	$	68,388	$	329,801	$	398,189	$	71,962
Owner occupied	124,637		74,158		39,778		113,936		4,162
Municipal	1,405		926		—		926		—
Total commercial	583,815		143,472		369,579		513,051		76,124
Commercial real estate:
Construction and land development	22,202		4,806		9,319		14,125		883
Term	134,297		81,795		26,275		108,070		1,706
Total commercial real estate	156,499		86,601		35,594		122,195		2,589
Consumer:
Home equity credit line	28,148		21,128		4,295		25,423		145
1-4 family residential	66,860		32,652		31,720		64,372		6,805
Construction and other consumer real estate	3,446		988		1,876		2,864		168
Other	2,565		35		1,900		1,935		53
Total consumer loans	101,019		54,803		39,791		94,594		7,171
Total	$	841,333	$	284,876	$	444,964	$	729,840	$	85,884

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	December 31, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	272,161	$	44,190	$	163,729	$	207,919	$	30,538
Owner occupied	141,526		83,024		43,243		126,267		5,486
Municipal	1,430		951		—		951		—
Total commercial	415,117		128,165		206,972		335,137		36,024
Commercial real estate:
Construction and land development	22,791		5,076		9,558		14,634		618
Term	142,239		82,864		34,361		117,225		2,604
Total commercial real estate	165,030		87,940		43,919		131,859		3,222
Consumer:
Home equity credit line	27,064		18,980		5,319		24,299		243
1-4 family residential	74,009		29,540		41,155		70,695		8,736
Construction and other consumer real estate	2,741		989		1,014		2,003		173
Other	3,187		36		2,570		2,606		299
Total consumer loans	107,001		49,545		50,058		99,603		9,451
Total	$	687,148	$	265,650	$	300,949	$	566,599	$	48,697

	Three Months Ended March 31, 2016				Three Months Ended March 31, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	281,841	$	1,472	$	160,013	$	1,451
Owner occupied	122,241		2,431		177,568		4,092
Municipal	932		—		1,033		—
Total commercial	405,014		3,903		338,614		5,543
Commercial real estate:
Construction and land development	14,293		513		38,736		569
Term	106,236		3,458		143,496		5,008
Total commercial real estate	120,529		3,971		182,232		5,577
Consumer:
Home equity credit line	24,730		386		25,386		413
1-4 family residential	63,166		477		66,711		510
Construction and other consumer real estate	2,917		48		2,560		42
Bankcard and other revolving plans	—		16		2		100
Other	2,502		107		4,748		285
Total consumer loans	93,315		1,034		99,407		1,350
Total	$	618,858	$	8,908	$	620,253	$	12,470

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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:

	March 31, 2016
	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	$	198	$	26,309	$	12	$	91	$	1,085	$	33,894	$	61,589
Owner occupied	2,227		1,458		920		—		7,882		16,318		28,805
Total commercial	2,425		27,767		932		91		8,967		50,212		90,394
Commercial real estate:
Construction and land development	44		—		—		—		—		9,316		9,360
Term	4,660		7,397		161		980		4,037		13,749		30,984
Total commercial real estate	4,704		7,397		161		980		4,037		23,065		40,344
Consumer:
Home equity credit line	198		2,414		10,570		—		164		3,027		16,373
1-4 family residential	2,030		349		6,498		257		3,213		33,404		45,751
Construction and other consumer real estate	171		357		—		1,143		—		949		2,620
Total consumer loans	2,399		3,120		17,068		1,400		3,377		37,380		64,744
Total accruing	9,528		38,284		18,161		2,471		16,381		110,657		195,482
Nonaccruing
Commercial:
Commercial and industrial	26		396		—		1,116		18,551		63,047		83,136
Owner occupied	1,122		1,209		—		3,064		275		16,881		22,551
Municipal	—		926		—		—		—		—		926
Total commercial	1,148		2,531		—		4,180		18,826		79,928		106,613
Commercial real estate:
Construction and land development	—		312		—		—		3,135		209		3,656
Term	1,797		1,163		—		—		2,920		3,892		9,772
Total commercial real estate	1,797		1,475		—		—		6,055		4,101		13,428
Consumer:
Home equity credit line	—		299		1,359		51		—		705		2,414
1-4 family residential	—		325		1,944		302		829		6,452		9,852
Construction and other consumer real estate	—		97		16		42		—		62		217
Total consumer loans	—		721		3,319		395		829		7,219		12,483
Total nonaccruing	2,945		4,727		3,319		4,575		25,710		91,248		132,524
Total	$	12,473	$	43,011	$	21,480	$	7,046	$	42,091	$	201,905	$	328,006

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	December 31, 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	$	202	$	3,236	$	13	$	100	$	23,207	$	34,473	$	61,231
Owner occupied	1,999		681		929		—		9,879		16,339		29,827
Total commercial	2,201		3,917		942		100		33,086		50,812		91,058
Commercial real estate:
Construction and land development	94		—		—		—		—		9,698		9,792
Term	4,696		638		166		976		2,249		20,833		29,558
Total commercial real estate	4,790		638		166		976		2,249		30,531		39,350
Consumer:
Home equity credit line	192		2,147		9,763		—		164		3,155		15,421
1-4 family residential	2,669		353		6,747		433		3,440		32,903		46,545
Construction and other consumer real estate	174		384		—		—		—		1,152		1,710
Total consumer loans	3,035		2,884		16,510		433		3,604		37,210		63,676
Total accruing	10,026		7,439		17,618		1,509		38,939		118,553		194,084
Nonaccruing
Commercial:
Commercial and industrial	28		455		—		1,879		3,577		49,617		55,556
Owner occupied	685		1,669		—		724		34		16,335		19,447
Municipal	—		951		—		—		—		—		951
Total commercial	713		3,075		—		2,603		3,611		65,952		75,954
Commercial real estate:
Construction and land development	—		333		—		—		3,156		208		3,697
Term	1,844		—		—		—		2,960		5,203		10,007
Total commercial real estate	1,844		333		—		—		6,116		5,411		13,704
Consumer:
Home equity credit line	7		500		1,400		54		—		233		2,194
1-4 family residential	—		275		2,052		136		1,180		7,299		10,942
Construction and other consumer real estate	—		101		17		48		—		44		210
Total consumer loans	7		876		3,469		238		1,180		7,576		13,346
Total nonaccruing	2,564		4,284		3,469		2,841		10,907		78,939		103,004
Total	$	12,590	$	11,723	$	21,087	$	4,350	$	49,846	$	197,492	$	297,088

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 $1.6 million at March 31, 2016 and $7.5 millionat December 31, 2015.

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The total recorded investment of all TDRs in which interest rates were modified below market was $174.5 million at March 31, 2016 and $188.0 million at December 31, 2015. 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 March 31,
(In thousands)	2016			2015
Commercial:
Commercial and industrial	$	(73	)	$	(57	)
Owner occupied	(49		)	(112		)
Total commercial	(122		)	(169		)
Commercial real estate:
Construction and land development	(1		)	(37		)
Term	(79		)	(109		)
Total commercial real estate	(80		)	(146		)
Consumer:
Home equity credit line	(1		)	(1		)
1-4 family residential	(230		)	(271		)
Construction and other consumer real estate	(5		)	(7		)
Total consumer loans	(236		)	(279		)
Total decrease to interest income1	$	(438	)	$	(594	)

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 March 31, 2016						Three Months Ended March 31, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	2,992	$	2,992	$	—	$	44	$	44
Owner occupied	3,350		244		3,594		—		986		986
Total commercial	3,350		3,236		6,586		—		1,030		1,030
Commercial real estate:
Construction and land development	—		—		—		—		1,284		1,284
Term	—		—		—		—		—		—
Total commercial real estate	—		—		—		—		1,284		1,284
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		160		160		110		—		110
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		160		160		110		—		110
Total	$	3,350	$	3,396	$	6,746	$	110	$	2,314	$	2,424

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2016 and 2015 were $180.3 millionand $74.5 million, respectively.

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At March 31, 2016 and December 31, 2015, the amount of foreclosed residential real estate property held by the Company was approximately $3.4 million and $0.5 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $11.3 million and $12.5 million, respectively.

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 oil and gas-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 oil and gas-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)	March 31, 2016			December 31, 2015
Commercial		$	55,997		$	72,440
Commercial real estate		60,456			65,167
Consumer		9,961			11,082
Outstanding balance		$	126,414		$	148,689
Carrying amount		$	106,320		$	125,029
Less ALLL		357			945
Carrying amount, net		$	105,963		$	124,084

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

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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. There were no amounts of these loans at March 31, 2016 and December 31, 2015.

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

(In thousands)	Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	39,803		$	45,055
Accretion	(6,138		)	(9,583		)
Reclassification from nonaccretable difference	8,430			13,281
Disposals and other	1,010			2,178
Balance at end of period	$	43,105		$	50,931

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 months endedMarch 31, 2016 and 2015, we adjusted the ALLL for acquired loans by recording a negative provision for loan losses of $(0.4) million and $(0.8) million, respectively. The provision is net of the ALLL reversals resulting from changes in cash flow estimates, which are 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 months endedMarch 31, total reversals to the ALLL, including the impact of increases in estimated cash flows, were $0.4 millionin 2016 and $1.4 millionin 2015, 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 months endedMarch 31, the impact of increased cash flow estimates recognized in the statement of income for acquired loans with no ALLL was approximately $4.5 million in 2016and $7.4 million in 2015, respectively, of additional interest income.

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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. We apply hedge accounting to certain derivatives executed for risk management purposes as described in more detail subsequently. However, we do not apply hedge accounting to all of the derivatives involved in our risk management activities. Derivatives not designated as accounting hedges 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 were completely amortized into earnings during 2015.

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. We use interest rate swaps as part of our cash flow hedging strategy to hedge the variable cash flows associated with designated commercial loans. These 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 notional amount. No derivatives have been designated as hedges of net 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 related variable-rate loans and as amounts for terminated hedges are accreted or amortized to earnings. For the 12 months following March 31, 2016, we estimate that an additional$7.7 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

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of a Credit Support Annex (“CSA”) to International Swaps and Derivative Association (“ISDA”) master agreements. Eligible collateral types are documented by the CSA and controlled under the Company’s general credit policies. They 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 March 31, 2016, the fair value of our derivative liabilities was $104.5 million, for which we were required to pledge cash collateral of approximately $86.0 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s or Moody’s at March 31, 2016, the additional amount of collateral we could be required to pledge is approximately $1.9 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 March 31, 2016 and December 31, 2015, and the related gain (loss) of derivative instruments for the three months endedMarch 31, 2016 and 2015 is summarized as follows:

	March 31, 2016						December 31, 2015
	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	$	1,387,500	$	22,218	$	—	$	1,387,500	$	5,461	$	956
Total derivatives designated as hedging instruments	1,387,500		22,218		—		1,387,500		5,461		956
Derivatives not designated as hedging instruments
Interest rate swaps and forwards	103,989		740		250		40,314		—		8
Interest rate swaps for customers 1	3,449,818		84,684		89,771		3,256,190		51,353		53,843
Foreign exchange	349,891		17,721		14,448		463,064		20,824		17,761
Total derivatives not designated as hedging instruments	3,903,698		103,145		104,469		3,759,568		72,177		71,612
Total derivatives	$	5,291,198	$	125,363	$	104,469	$	5,147,068	$	77,638	$	72,568

¹ Notional amounts include both the customer swaps and the offsetting derivative contracts.

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	Three Months Ended March 31, 2016
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	20,696	$	2,997
	20,696		2,997
Fair value hedges:
Terminated swaps on long-term debt								$	—
Total derivatives designated as hedging instruments	20,696		2,997					—
Derivatives not designated as hedging instruments
Interest rate swaps and forward contracts					$	235
Interest rate swaps for customers					(509		)
Foreign exchange					2,236
Total derivatives not designated as hedging instruments					1,962
Total derivatives	$	20,696	$	2,997	$	1,962		$	—

	Three Months Ended March 31, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	4,253	$	1,016
	4,253		1,016
Fair value hedges:
Terminated swaps on long-term debt							$	468
Total derivatives designated as hedging instruments	4,253		1,016				468
Derivatives not designated as hedging instruments
Interest rate swaps for customers					$	517
Futures contracts					1
Foreign exchange					2,735
Total derivatives not designated as hedging instruments					3,253
Total derivatives	$	4,253	$	1,016	$	3,253	$	468

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 change in fair value of the derivative.

²  Amounts for the three months endedMarch 31, of $3.0 million in 2016, and $1.0 million in 2015, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

The fair value of derivative assets was reduced by a net credit valuation adjustment of $5.1 million and $3.3 million at March 31, 2016 and 2015, respectively. The adjustment for derivative liabilities was not significant at March 31, 2016 and 2015. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

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8. DEBT AND SHAREHOLDERS’ EQUITY

Long-term debt is summarized as follows:

(In thousands)	March 31, 2016		December 31, 2015
Junior subordinated debentures related to trust preferred securities	$	164,950	$	164,950
Subordinated notes	246,262		246,170
Senior notes	390,367		400,334
Capital lease obligations	869		912
Total	$	802,448	$	812,366

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or unamortized debt issuance costs. The amount of long-term debt as of December 31, 2015 presented in the schedule differs from the amount in our 2015 10-K as a result of the reclassification of unamortized debt issuance costs to long-term debt in compliance with ASU 2015-03.

Preferred Stock

On April 25, 2016, the Company launched a tender offer to purchase up to $120 million par amount of certain outstanding preferred stock. The tender offer will expire on May 20, 2016.

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 phase-in basis and will adopt the fully phased-in requirements effective January 1, 2019.

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
Three Months Ended March 31, 2016
Balance at December 31, 2015		$	(18,369	)		$	1,546		$	(37,789	)	$	(54,612	)
Other comprehensive income (loss) before reclassifications, net of tax		32,168				13,331			(665		)	44,834
Amounts reclassified from AOCI, net of tax		(17		)		(1,858		)	—			(1,875		)
Other comprehensive income (loss)		32,151				11,473			(665		)	42,959
Balance at March 31, 2016		$	13,782			$	13,019		$	(38,454	)	$	(11,653	)
Income tax expense included in other comprehensive income (loss)		$	20,192			$	6,920		$	665		$	27,777
Three Months Ended March 31, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		11,424				2,189			—			13,613
Amounts reclassified from AOCI, net of tax		148				(629		)	—			(481		)
Other comprehensive income		11,572				1,560			—			13,132
Balance at March 31, 2015		$	(80,349	)		$	3,786		$	(38,346	)	$	(114,909	)
Income tax expense included in other comprehensive income		$	6,957			$	1,088		$	—		$	8,045

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	Amounts reclassified from AOCI 1					Statement of income (SI) Balance sheet (BS)
(In thousands)	Three Months Ended March 31,
Details about AOCI components	2016		2015				Affected line item
Net realized gains (losses) on investment securities	$	28	$	(239	)	SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	11		(91		)
	17		(148		)
Net unrealized gains on derivative instruments	$	2,997	$	1,016		SI	Interest and fees on loans
Income tax expense	1,139		387
	$	1,858	$	629

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 of 31.4% for the first quarter of 2016 was lower than the 2015 first quarter rate of 35.7%. The tax rates for both the first quarter of 2016 and 2015 were benefited primarily by the non-taxability of certain income items. However, the 2016 effective tax rate was further benefited by the release of various uncertain state tax positions.

Net deferred tax assets were approximately $180 million at March 31, 2016 and $203 million at December 31, 2015. 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 March 31, 2016.

10. FAIR VALUE

Fair Value Measurement

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.

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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 fair value measurements for approximately 90% of our AFS Level 2 securities. Fair value measurements for other AFS Level 2 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 or an internal model. Valuation inputs include Baa municipal curves, as well as FHLB and London Interbank Offered Rate (“LIBOR”) swap curves. Our valuation methodology for non-rated municipal securities changed at year-end to utilize more observable inputs, primarily municipal market yield curves, compared to our previous valuation method. The resulting values were determined to be Level 2.

Money Market Mutual Funds and Other

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

Trading Account

Securities in the trading account are generally measured under Level 2 using third party pricing service providers as described previously.

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

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CSVs based on the Company’s claims on the assets of the insurance companies. The insurance 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 VR. See discussions in Notes 5 and 11.

Agriculture Loan Servicing

This asset results from our servicing of agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”). We provide this servicing under an agreement with FAMC 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)	March 31, 2016
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	8,027,667	$	—	$	8,027,667
Municipal securities			556,073				556,073
Other debt securities			21,909				21,909
Money market mutual funds and other	59,925		36,311				96,236
	59,925		8,641,960		—		8,701,885
Trading account			65,838				65,838
Other noninterest-bearing investments:
Bank-owned life insurance			489,297				489,297
Private equity investments					119,222		119,222
Other assets:
Agriculture loan servicing and interest-only strips					17,067		17,067
Deferred compensation plan assets	82,179						82,179
Derivatives:
Interest rate swaps and forwards			22,958				22,958
Interest rate swaps for customers			84,684				84,684
Foreign currency exchange contracts	17,721						17,721
	17,721		107,642		—		125,363
	$	159,825	$	9,304,737	$	136,289	$	9,600,851
LIABILITIES
Securities sold, not yet purchased	$	6,515	$	—	$	—	$	6,515
Other liabilities:
Deferred compensation plan obligations	82,179						82,179
Derivatives:
Interest rate swaps and forwards			250				250
Interest rate swaps for customers			89,771				89,771
Foreign currency exchange contracts	14,448						14,448
	14,448		90,021		—		104,469
	$	103,142	$	90,021	$	—	$	193,163

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(In thousands)	December 31, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	7,100,844	$	—	$	7,100,844
Municipal securities			418,695				418,695
Other debt securities			22,941				22,941
Money market mutual funds and other	61,807		38,829				100,636
	61,807		7,581,309		—		7,643,116
Trading account			48,168				48,168
Other noninterest-bearing investments:
Bank-owned life insurance			485,978				485,978
Private equity investments					120,027		120,027
Other assets:
Agriculture loan servicing and interest-only strips					13,514		13,514
Deferred compensation plan assets	84,570						84,570
Derivatives:
Interest rate swaps and forwards			5,966				5,966
Interest rate swaps for customers			51,353				51,353
Foreign currency exchange contracts	20,824						20,824
	20,824		57,319		—		78,143
	$	167,201	$	8,172,774	$	133,541	$	8,473,516
LIABILITIES
Securities sold, not yet purchased	$	30,158	$	—	$	—	$	30,158
Other liabilities:
Deferred compensation plan obligations	84,570						84,570
Derivatives:
Interest rate swaps and forwards			835				835
Interest rate swaps for customers			53,843				53,843
Foreign currency exchange contracts	17,761						17,761
	17,761		54,678		—		72,439
	$	132,489	$	54,678	$	—	$	187,167

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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 March 31, 2016
(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, 2015	$	—	$	—	$	—	$	120,027		$	13,514		$	—
Net gains (losses) included in:
Statement of income:
Dividends and other investment losses							(1,484		)
Equity securities losses, net							(2,009		)
Other noninterest income										3,460
Purchases							2,801			368
Sales							(36		)
Redemptions and paydowns							(77		)	(275		)
Balance at March 31, 2016	$	—	$	—	$	—	$	119,222		$	17,067		$	—

	Level 3 Instruments
	Three Months Ended March 31, 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		$	4,786		$	99,865		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	2			257
Dividends and other investment income										1,074
Equity securities gains, net										3,253
Fixed income securities gains (losses), net	31			(323		)
Other noninterest income													4
Other noninterest expense																13
Other comprehensive income (loss)	127			(6,949		)	42
Fair value of HTM securities transferred to AFS				57,308
Purchases										5,052			171
Sales				(2,613		)				(1,517		)
Redemptions and paydowns	(1,859		)	(2,349		)	(2		)	(279		)	(401		)
Balance at March 31, 2015	$	2,465		$	438,338		$	4,826		$	107,448		$	12,001		$	—

No transfers of assets or liabilities occurred among Levels 1, 2 or 3 for the three months endedMarch 31, 2016 and 2015.

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

(In thousands)	Three Months Ended March 31,
	2016		2015
Fixed income securities losses, net	$	—	$	(292	)

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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 March 31, 2016								Fair value at December 31, 2015
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	1,477	$	1,477	$	—	$	—	$	10,707	$	10,707
Impaired loans	—		32,162		—		32,162		—		10,991		—		10,991
Other real estate owned	—		1,695		—		1,695		—		2,388		—		2,388
	$	—	$	33,857	$	1,477	$	35,334	$	—	$	13,379	$	10,707	$	24,086

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 March 31,
	2016			2015
ASSETS
Private equity investments, carried at cost	$	(342	)	$	(1,153	)
Impaired loans	(14,728		)	(2,924		)
Other real estate owned	(37		)	(1,008		)
	$	(15,107	)	$	(5,085	)

During the three months endedMarch 31, we recognized net gains of $1.8 million in 2016 and $0.7 million in 2015 from the sale of other real estate owned (“OREO”) properties that had a carrying value at the time of sale of approximately $2.1 million and $4.1 million, respectively. Previous to their sale in these periods, we recognized impairment on these properties of an insignificant amount in 2016 and 2015.

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 PEIs carried at cost were $23.2 million at March 31, 2016 and $25.3 million at December 31, 2015. Amounts of other noninterest-bearing investments carried at cost were $196.6 million at March 31, 2016 and $191.5 million at December 31, 2015, which were comprised of Federal Reserve and FHLB 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 sufficiently significant to consider disclosure under Level 3 rather than Level 2.

Impaired loans that are not collateral-dependent were measured 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

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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:

	March 31, 2016					December 31, 2015
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	631,646	$	636,484	2	$	545,648	$	552,088	2
Loans and leases (including loans held for sale), net of allowance	40,915,055		40,715,842		3	40,193,374		39,535,365		3
Financial liabilities:
Time deposits	2,071,688		2,075,729		2	2,130,680		2,129,742		2
Foreign deposits	219,899		219,836		2	294,391		294,321		2
Long-term debt (less fair value hedges)	802,448		831,621		2	812,366		838,796		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value and financial instruments that are recorded at fair value on a recurring basis. Financial instruments for which carrying values approximate fair value include cash and due from banks, money market investments, 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.

HTM investment securities primarily consist of municipal securities. They were measured at fair value according to the methodology previously discussed.

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 that are collateral-dependent are already considered to be held at fair value. Impaired loans that are not collateral-dependent have future cash flows reduced by the estimated “life-of-the-loan” credit loss derived from methods used to estimate the ALLL for these loans. 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. At March 31, 2016 and December 31, 2015, oil and gas-related loan fair value measurements incorporated an illiquidity risk premium in addition to credit and interest rate risk adjustments.

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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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)	March 31, 2016		December 31, 2015
Net unfunded commitments to extend credit 1	$	17,310,427	$	17,169,785
Standby letters of credit:
Financial	643,514		661,554
Performance	203,657		216,843
Commercial letters of credit	58,567		18,447
Total unfunded lending commitments	$	18,216,165	$	18,066,629

¹  Net of participations

The Company’s 2015 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At March 31, 2016, the Company had recorded approximately $5.1 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $2.1 million attributable to the RULC and $3.0 million of deferred commitment fees.

At March 31, 2016, the Parent has guaranteed $165 million of debt of affiliated trusts issuing trust preferred securities.

At March 31, 2016, we had unfunded commitments for PEIs of approximately $20 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 March 31, 2016, 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. In the third quarter of 2015, the Third Circuit vacated the District Court’s decision denying class certification and remanded the matter to the District Court with instructions to reconsider the class certification determination in light of particular standards articulated by the Third Circuit in its opinion. A class certification hearing is currently scheduled for late May 2016. Following the Third

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Circuit’s decision, the parties participated in a number of mediation sessions, which could result in a settlement. Any such settlement would be subject to court approval. There can be no assurance, however, that the parties will be able to settle this matter.

• a governmental inquiry into possible money laundering activities of one of our bank customers and our anti-money laundering practices relating to that customer (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 our payment processing practices relating primarily to certain allegedly fraudulent telemarketers and other customer types (conducted by the Department of Justice). Similar inquiries directed towards banks unrelated to us have resulted in a number of enforcement actions. Our first contact with the Department of Justice relating to this matter occurred in early 2013. We understand that the Department of Justice desires to pursue claims against us. We have engaged in preliminary settlement discussions with the Department of Justice. There can be no assurance, however, that the parties will be able to settle this matter.

• a civil suit, Liu Aifang, et al. v. Velocity VIII, et al., brought against us in the United States District Court for the Central District of California in April 2015. The case relates to our banking relationships with customers who were approved promoters of an EB-5 Visa Immigrant Investment Program that allegedly misappropriated investors’ funds. On September 30, 2015, the Court granted in part and denied in part our Motion to Dismiss Plaintiffs’ claims.  The Plaintiffs’ remaining claims assert negligence and that the bank aided and abetted the promoter customers’ conversion of the investors’ funds deposited with us. Discovery is ongoing and trial is scheduled for September 2016.

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 March 31, 2016, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $60 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 a meaningful 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

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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
(In thousands)	Three Months Ended March 31,
	2016			2015			2016		2015		2016			2015
Service cost	$	—		$	—		$	—	$	—	$	5		$	8
Interest cost	1,762			1,783			100		101		10			10
Expected return on plan assets	(2,754		)	(3,090		)	—		—		—			—
Amortization of net actuarial (gain) loss	1,659			1,574			31		31		(17		)	(13		)
Net periodic benefit cost (credit)	$	667		$	267		$	131	$	132	$	(2	)	$	5

As disclosed in the Company’s 2015 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. Following the close of business on December 31, 2015, we completed the merger of our subsidiary banks and certain non-banking subsidiaries, including Zions Management Services Company (“ZMSC”), with and into a single bank, ZB, N.A. We continue to manage our banking operations under our existing brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. Due to the charter consolidation, we have moved to an internal funds transfer pricing allocation system to report results of operations for business segments. Total average loans and deposits presented for the banking segments do not include intercompany amounts between banking segments, but may include deposits with the Other segment. Prior period amounts have been reclassified to reflect these changes.

As of March 31, 2016, Zions Bank operates 99 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 76 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 65 branches in Arizona. NSB operates 49 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.

The operating segment identified as “Other” includes the Parent, ZMSC, certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. The Company’s net interest income is substantially affected by the Parent’s interest expense on long-term debt. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

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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 March 31, 2016 and 2015:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ					NSB
	2016			2015			2016			2015		2016			2015			2016		2015			2016			2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	153.3		$	152.0		$	119.2		$	117.8	$	108.1		$	103.8		$	46.8	$	44.2		$	30.9		$	31.1
Provision for loan losses	(30.6		)	(4.6		)	104.5			11.1		(3.1		)	(4.1		)	1.9		0.8			(25.6		)	(8.7		)
Net interest income after provision for loan losses	183.9			156.6			14.7			106.7		111.2			107.9			44.9		43.4			56.5			39.8
Noninterest income	36.0			31.5			29.1			29.2		16.1			14.2			9.5		8.2			9.5			8.9
Noninterest expense	97.0			107.5			85.6			93.0		68.5			74.1			32.4		37.2			30.8			32.6
Net Income (loss) before taxes	$	122.9		$	80.6		$	(41.8	)	$	42.9	$	58.8		$	48.0		$	22.0	$	14.4		$	35.2		$	16.1
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	12,306		$	12,101		$	10,370		$	10,276	$	8,905		$	8,502		$	3,863	$	3,764		$	2,263		$	2,384
Total deposits	15,700			15,787			11,274			11,524		10,479			9,701			4,445		4,178			4,005			3,755
	Vectra						TCBW					Other						Consolidated Company
	2016			2015			2016			2015		2016			2015			2016		2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	30.5		$	28.5		$	9.4		$	8.4	$	(45.4	)	$	(68.4	)	$	452.8	$	417.4
Provision for loan losses	(3.2		)	3.9			(1.8		)	0.2		—			(0.1		)	42.1		(1.5		)
Net interest income after provision for loan losses	33.7			24.6			11.2			8.2		(45.4		)	(68.3		)	410.7		418.9
Noninterest income	5.8			5.0			0.9			0.9		9.9			19.4			116.8		117.3
Noninterest expense	21.4			24.0			5.0			7.8		54.9			16.8			395.6		393.0
Net Income (loss) before taxes	$	18.1		$	5.6		$	7.1		$	1.3	$	(90.4	)	$	(65.7	)	$	131.9	$	143.2
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	2,453		$	2,358		$	733		$	713	$	110		$	81		$	41,003	$	40,179
Total deposits	2,759			2,456			953			830		(60		)	(747		)	49,555		47,484

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, targets, commitments, designs, 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,” “target,” “commit,” “design,” “plan,” “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,

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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 and efficiency initiatives and its tender offers for certain of its preferred stock;

• 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 rates of business formation and growth, commercial and residential real estate development, real estate prices, and oil and gas-related commodity prices;

• changes in markets for equity, fixed income, commercial paper and other securities, including availability, market liquidity levels, and pricing, including the actual amount and duration of declines in the price of oil and gas;

• any impairment of our goodwill or other intangibles, or any adjustment of valuation allowances on our deferred tax assets due to adverse changes in the economic environment, declining operations of the reporting unit, or other factors;

• 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, 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 Basel III, and rules and regulations thereunder, on our required regulatory capital and liquidity levels, governmental assessments on us (including, but not limited to, the Federal Reserve reviews of our annual capital plan), 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;

• 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 FASB or regulatory agencies; and

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• 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	HQLA	High Quality Liquid Assets
AFS	Available-for-Sale	HTM	Held-to-Maturity
ALCO	Asset/Liability Committee	IFRS	International Financial Reporting Standards
ALLL	Allowance for Loan and Lease Losses	ISDA	International Swaps and Derivative Association
Amegy	Amegy Bank, a division of ZB, N.A.	LCR	Liquidity Coverage Ratio
AOCI	Accumulated Other Comprehensive Income	LGD	Loss Given Default
ASC	Accounting Standards Codification	LIBOR	London Interbank Offered Rate
ASU	Accounting Standards Update	NAV	Net Asset Value
ATM	Automated Teller Machine	NBAZ	National Bank of Arizona, a division of ZB, N.A.
BOLI	Bank-Owned Life Insurance	NIM	Net Interest Margin
bps	basis points	NSB	Nevada State Bank, a division of ZB, N.A.
CAC	Credit Administration Committee	NSFR	Net Stable Funding Ratio
CB&T	California Bank & Trust, a division of ZB, N.A.	NYMEX	New York Mercantile Exchange
CCAR	Comprehensive Capital Analysis and Review	OCC	Office of the Comptroller of the Currency
CDO	Collateralized Debt Obligation	OCI	Other Comprehensive Income
CET1	Common Equity Tier 1 (Basel III)	OREO	Other Real Estate Owned
CFPB	Consumer Financial Protection Bureau	OTC	Over-the-Counter
CLTV	Combined Loan-to-Value Ratio	OTTI	Other-Than-Temporary Impairment
COSO	Committee of Sponsoring Organizations of the Treadway Commission	Parent	Zions Bancorporation
CRE	Commercial Real Estate	PCI	Purchase Credit-Impaired
CSA	Credit Support Annex	PEIs	Private Equity Investments
CSV	Cash Surrender Value	PPNR	Pre-provision Net Revenue
DFAST	Dodd-Frank Act Stress Test	ROC	Risk Oversight Committee
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	RULC	Reserve for Unfunded Lending Commitments
DTA	Deferred Tax Asset	SBA	Small Business Administration
EITF	Emerging Issues Task Force	SBICs	Small Business Investment Companies
ERM	Enterprise Risk Management	SEC	Securities and Exchange Commission
ERMC	Enterprise Risk Management Committee	SNCs	Shared National Credits
EVE	Economic Value of Equity	SVC	Securities Valuation Committee
FAMC	Federal Agricultural Mortgage Corporation, or “Farmer Mac”	TCBO	The Commerce Bank of Oregon, a division of ZB, N.A.
FASB	Financial Accounting Standards Board	TCBW	The Commerce Bank of Washington, a division of ZB, N.A.
FDIC	Federal Deposit Insurance Corporation	TDR	Troubled Debt Restructuring
FHLB	Federal Home Loan Bank	Vectra	Vectra Bank Colorado, a division of ZB, N.A.
FHLMC	Federal Home Loan Mortgage Corporation, or “Freddie Mac”	VIE	Variable Interest Entity
FNMA	Federal National Mortgage Association, or “Fannie Mae”	VR	Volcker Rule
FRB	Federal Reserve Board	ZB, N.A.	ZB, National Association
GAAP	Generally Accepted Accounting Principles	Zions Bank	Zions Bank, a division of ZB, N.A.
GNMA	Government National Mortgage Association, or “Ginnie Mae”	ZMSC	Zions Management Services Company
HECL	Home Equity Credit Line

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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 2015 Annual Report on Form 10-K.

RESULTS OF OPERATIONS

Executive Summary

Net earnings applicable to common shareholders for the first quarter of 2016 was $78.8 million, or $0.38 per diluted common share, compared to net earnings applicable to common shareholders of $88.2 million, or $0.43 per diluted common share, for the fourth quarter of 2015 and $75.3 million, or $0.37 per diluted common share, for the first quarter of 2015.

Major Initiative Announced in 2015

In June 2015, we announced a series of initiatives designed to substantially improve customer experience (e.g., faster turnaround times), simplify our corporate structure and operations, and drive positive operating leverage. Key elements of the announcement included:

• Consolidation of bank charters from seven to one while maintaining local leadership, local product pricing, and local brands. The consolidation of the bank charters occurred on December 31, 2015.

• Creation of a Chief Banking Officer position, with responsibility for retail banking, wealth management, and residential mortgage lending.

• Consolidation of risk functions and other non-customer facing operations, while emphasizing local credit decision making.

• Investment in technology to modernize our loan, deposit, and customer information systems to meet the demands of a rapidly changing information technology environment.

The Company expects to continue to benefit from these initiatives to further reduce operating expenses, create efficiencies, and improve customer experience.

Financial Performance Targets

Following are the targeted financial performance outcomes of these organizational changes, and associated operational and technological initiatives with some brief comments regarding current performance against these measures:

• Maintain adjusted noninterest expense less than $1.60 billion in 2016, although increasing somewhat in 2017; this target excludes those same expense items excluded in arriving at the efficiency ratio (see “GAAP to Non-GAAP Reconciliations” on page 84 for more information regarding the calculation of the efficiency ratio). However, because in the first quarter of 2016 we reclassified expense associated with credit and corporate card rewards programs to net against associated revenue in the noninterest income section of the income statement, we are modifying our commitment to hold adjusted noninterest expense from a commitment of “less than $1.60 billion in 2016” to “less than $1.58 billion in 2016.” The difference of $20 million reflects the actual annualized rate of expense incurred on such rewards programs in the first half of 2015, and management believes that it is important to maintain the commitment to hold the company’s expenses to the same level as originally established, after adjusting for accounting changes. For the first quarter of 2016 adjusted noninterest expense was $396.0 million, or an annualized amount of $1,584 million; this result includes several million dollars of seasonal expenses such as elevated payroll taxes and stock award grants. If these seasonal expenses were amortized evenly over 2016, the resulting annualized noninterest expense from the first quarter of 2016 would have been less than $1.58 billion, which is consistent with our modified commitment to hold adjusted noninterest expense to less than $1.58 billion in 2016. On a similar basis, for 2017 we are modifying our noninterest expense commitment to be increasing somewhat from$1.58 billion, modified from the original goal of increasing somewhat in 2017 from $1.60 billion.

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• Achieve an efficiency ratio less than 66% in 2016, and in the low 60s by fiscal year-end 2017, driven by expense and revenue initiatives detailed below; the announced target assumes a slight increase in interest rates. The aforementioned reclassification of rewards program expenses to net against revenue does not materially alter the efficiency ratio, and thus we are not modifying the efficiency ratio target. Our efficiency ratio for the second half of 2015 was 69.1% (adjusted for the credit card expense reclassification), which met our goal to keep the efficiency ratio less than 70% during the second half of 2015. The efficiency ratio for the six months ended March 31, 2016 improved by 398 bps to 69.0% from 73.0% for the same prior year period. Our efficiency ratio for the first quarter of 2016 was 68.5% representing a 106 bps improvement over Q4 2015 and a 340 bps improvement over the same prior year period. We show the efficiency ratio for six month periods, in addition to the three month periods, in order to illustrate the trend over longer periods as quarterly fluctuations may not be reflective of the prevailing trend, while yearly results may not accurately reflect the pace of change. We are committed to achieving an efficiency ratio less than 66% in 2016 and are on target to do so. See “GAAP to Non-GAAP Reconciliations” on page 84 for more information regarding the calculation of the efficiency ratio.

• Achieve annual gross pretax cost savings of $120 million from operational expense initiatives by year-end 2017, which include overhauling technology, consolidating legal charters, and improving operating efficiency across the Company. We are on track and expect to achieve 80% of our target to reduce gross expenses by the end of 2016.

Our initiatives are designed to make the Company a more efficient organization that drives positive operating leverage, increases returns on tangible common equity over the long term to double digit levels, simplifies the corporate structure and operations, and improves customer experience. The increase in operating leverage is evident through increased revenue from growth in loans, deployment of cash to mortgage-backed securities, increased use of interest rate swaps, improvement in core fee income, and disciplined expense management.

If successfully implemented, these initiatives should ultimately produce better revenue and expense trajectories, improve profitability, and drive stronger investor returns.

Areas Experiencing Strength in the First Quarter of 2016

Net interest income, which is more than three-quarters of our revenue, increased by $35.5 million in the first quarter of 2016 compared to the same prior year period. We reduced long-term debt by $281.2 million as a result of tender offers, early calls, and maturities, which helped reduce total interest expense over the same period by $9.0 million between the two quarters and will continue to benefit net interest income in 2016. Additionally, we redeployed lower yielding money market investments into loans and term investment securities. The investment securities portfolio grew by $4.3 billion between the first quarter of 2015 and the same quarter of 2016, which resulted in a $19.9 million increase in interest income on investment securities over the same quarters. This action should improve both the Company’s revenue stability under future stressful economic scenarios and current earnings significantly as compared to the alternative of holding money market investments.

Some of the same factors that led to an increase in net interest income also helped improve net interest margin between the first quarter of 2016 and the first quarter of 2015, which was 3.35% and 3.22% respectively. Average total interest-bearing liabilities increased by $505.4 million in the first quarter of 2016 compared to the same prior year period, but the interest rates on the more costly liabilities dropped significantly. Even though some yields were slightly lower on interest-earning assets between the compared quarters, the yield on total interest-earning assets increased and the rate decreases were more significant on the liability side resulting in a positive spread difference of 19 bps. Further, not only did average interest-earning assets increase by approximately $1.9 billion, but also we would expect yields to improve if interest rates rise during the remainder of 2016.

We continue to generate strong growth in adjusted pre-provision net revenue (“PPNR”), reflecting operating leverage improvement resulting from solid loan growth, a more profitable earning assets mix, and controlled core operating expenses. Adjusted PPNR was $182.1 million in the current quarter, up 20.7% from $150.9 million for the same quarter in 2015. This increase was due to higher net interest income between the two periods, driven by the previously detailed factors. A higher adjusted PPNR, partially offset by a $10.0 million, or 2.6%, increase in

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adjusted noninterest expense over the same period, led to an improvement in the efficiency ratio from 71.9% to 68.5% between first quarter 2015 and 2016 respectively. The increase in adjusted noninterest expense between the two quarters was driven mainly by a seasonal increase in the accrual related to annual restricted stock awards, which historically occurred in the second quarter, as well as higher salary and bonus expense. These increases were partially offset by a negative provision for unfunded lending commitments due to general credit improvements in our lending portfolio outside of the oil and gas sectors. See “GAAP to Non-GAAP Reconciliations” on page 84 for more information regarding the calculation of adjusted PPNR.

Net loans and leases were $41.4 billion at March 31, 2016, increasing $769 million and $1.2 billion over December 31, 2015 and March 31, 2015 respectively. The $769 million loan growth during the first quarter represents a 1.9% (7.6% on an annualized basis based on first quarter growth) increase. This solid growth was widespread across product and geography with particular strength in commercial and industrial and commercial real estate term loans.

Customer-related fees in the first quarter of 2016 were stable compared to the prior quarter and increased to $112.3 million, up 7.3%, from $105.0 million in the prior year period. Most of the year-over-year increase was due to an increase in credit card and interchange fees and loan fees.

Asset quality for the non-energy portfolio remained strong and improved during the first quarter of 2016 compared with the fourth quarter of 2015. Due to weaknesses in the oil and gas-related portfolio, classified loans increased from $1.4 billion in the fourth quarter 2015 and to $1.5 billion in the first quarter 2016; however, the percentage and dollar values of current (performing) loans between these periods were 86.5% and $1.1 billion and 87.7% and 1.3 billion, respectively. Although the amount of classified loans has increased, the performance of these loans has not deteriorated to the same extent. Outside the oil and gas-related portfolio, credit quality was very strong, with approximately $200 thousand of net charge-offs.

Areas Experiencing Challenges in the First Quarter of 2016

The overall credit quality of our loan portfolio remained strong, but, as expected, the credit quality of our oil and gas-related portfolio deteriorated. At March 31, 2016, $286.0 million, or 10.8% of the oil and gas-related loan balances were nonaccruing, compared to $64.9 million, or 2.1% at March 31, 2015. As part of our risk management efforts, we reduced our total oil and gas-related credit exposure to $4.7 billion, a reduction of approximately $108.9 million during the current quarter and $925.0 million between first quarter 2016 and the same prior year period.

Average yields on lending assets have fallen slightly quarter over quarter. Although the strong growth in loan originations during the quarter has more than offset these small declines, continued pricing pressure could impact loan yields. In the prior quarter the Company realized interest income of $13 million from loan recoveries and FDIC-supported loans that was not repeated in the first quarter. Also, a portion of the portfolio is subject to floors and these loans may not be immediately impacted by small increases in rates.

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. Taxable-equivalent net interest income is the largest portion of our revenue. For the first quarter of 2016, taxable-equivalent net interest income was $458.2 million, compared to $421.6 million for the first quarter of 2015 and $453.8 million for the fourth quarter of 2015.

Net interest margin in 2016 vs. 2015

The net interest margin (“NIM”) was 3.35% and 3.22% for the first quarter of 2016 and 2015, respectively, and 3.23% for the forth quarter of 2015. The increased net interest margin for the first quarter, compared to the same prior year period, resulted primarily from higher yields on variable-rate assets, a change in the mix of interest-earning assets by deploying funds from the sale of low yielding money market investments into available-for-sale (“AFS”) investment securities and loans. These changes also improved the overall yields on lending assets to 3.51% in the first quarter of 2016 from 3.46% in the first quarter of 2015. Decreases in interest expense due to the maturity of high-cost long-term debt that matured during 2015 also helped improve the NIM as the average rate on long-term debt decreased 205 bps between first quarter 2016 and the same prior year period.

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The average loan portfolio increased $823.9 million between the first quarter of 2016 and the first quarter of 2015, the average yield fell by 7 bps due to a continuation of competitive pricing pressure and depressed interest rates as new loans were originated or existing loans reset or were modified. The decline in loan yield between the fourth quarter 2015 and the first quarter 2016 was slightly larger at 10 bps. This was mainly due to $13 million from commercial loan recoveries and FDIC-supported loans during fourth quarter of 2015 that was not repeated in the first quarter. Even though our average loan portfolio was $656.1 million higher during the first quarter of 2016, compared to the fourth quarter of 2015, yields on new loan originations were flat during the first quarter of 2016, compared with the fourth quarter of 2015.

The average balance of AFS securities for the first quarter of 2016 increased by $4.0 billion, or 98.7%, and the average yield was 5 bps higher compared to the same prior year period. The increase 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 we started purchasing U.S. agency pass-through securities in order to increase our holdings of high quality liquid assets (“HQLA”) and to alter the mix of our interest-earning assets, holding larger quantities of higher yielding mortgage-backed securities while decreasing positions in our lower yielding money market portfolio.

Average noninterest-bearing demand deposits provided us with low cost funding and comprised 44.2% of average total deposits for the first quarter of 2016, compared to 43.3% for first quarter of 2015. Average interest-bearing deposits increased by 2.7% in the first quarter of 2016, compared to the same prior year period, while the average rate paid declined by 1 bp to 17 bps.Although we consider a wide variety of sources when determining our funding needs, we benefit from access to borrower deposits, particularly non-interest bearing deposits, that provide us with a low cost of funds and have a positive impact on our NIM. A significant decrease in the amount of non-interest bearing deposits may have a negative impact on our NIM.

The average balance of long-term debt was $276.7 million lower for the first quarter of 2016 compared to the same prior year period. The reduced balance was a result of tender offers, early calls, and maturities. The average interest rate paid on long-term debt for the first quarter of 2016 decreased by 205 bps compared to the same prior year period. This is primarily due to higher cost long-term debt maturities in both the third and fourth quarters of 2015. We continue to look for opportunities to manage down the cost of funds. Refer to the “Liquidity Risk Management” section beginning on page 79 for more information.

See “Interest Rate and Market Risk Management” on page 75 for further discussion of how we manage the portfolios of interest-earning assets, interest-bearing liabilities, and the associated risk.

Interest rate spreads

The spread on average interest-bearing funds was 3.20% and 3.01% for the first quarters of 2016 and 2015 respectively. The spread on average interest-bearing funds for these periods was affected by the same factors that had an impact on the NIM.

We expect the mix of interest-earning assets to continue to change over the next several quarters due to loan growth in residential mortgage loans and commercial and industrial loans, partially offset by continued attrition from the National Real Estate and oil and gas-related portfolios. In addition, as discussed below, we are continuing to invest 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 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 and growth in lower-yielding residential mortgages; however, we expect this pressure to be somewhat less compared to prior years. We believe that some of the downward pressure on the NIM will be mitigated by lower interest expense on reduced levels of long-term debt due to maturities that occurred towards the end of 2015. We also believe we can offset some of the pressure on the NIM through loan growth, redeployment of cash held in money market investments to term investment 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. During the first quarter of 2016, we purchased HQLA securities of $1.2 billion at amortized cost, increasing HQLA securities by $875.4 million after paydowns and payoffs during the quarter, 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, which are 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 75.

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 March 31, 2016							Three Months Ended March 31, 2015
(In thousands)	Average balance			Amount of interest 1		Average yield/rate		Average balance			Amount of interest 1		Average yield/rate
ASSETS
Money market investments	$	5,122,483		$	7,029	0.55	%	$	8,013,355		$	5,218	0.26	%
Securities:
Held-to-maturity	562,040			6,798		4.86		632,927			7,995		5.12
Available-for-sale	8,108,708			42,615		2.11		4,080,004			20,773		2.06
Trading account	53,367			472		3.56		69,910			598		3.47
Total securities	8,724,115			49,885		2.30		4,782,841			29,366		2.49
Loans held for sale	140,423			1,378		3.95		105,279			914		3.52
Loans and leases 2
Commercial	21,624,134			225,588		4.20		21,576,463			223,334		4.20
Commercial real estate	10,555,869			110,922		4.23		10,084,874			110,813		4.46
Consumer	8,822,899			85,499		3.90		8,517,670			83,036		3.95
Total loans and leases	41,002,902			422,009		4.14		40,179,007			417,183		4.21
Total interest-earning assets	54,989,923			480,301		3.51		53,080,482			452,681		3.46
Cash and due from banks	727,577							743,618
Allowance for loan losses	(600,216		)					(609,233		)
Goodwill	1,014,129							1,014,129
Core deposit and other intangibles	15,379							24,355
Other assets	2,679,525							2,558,353
Total assets	$	58,826,317						$	56,811,704
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	25,350,037		9,388		0.15		$	24,214,265		9,445		0.16
Time	2,087,698			2,304		0.44		2,372,492			2,538		0.43
Foreign	235,331			153		0.26		351,873			121		0.14
Total interest-bearing deposits	27,673,066			11,845		0.17		26,938,630			12,104		0.18
Borrowed funds:
Federal funds and other short-term borrowings	267,431			120		0.18		219,747			78		0.14
Long-term debt	809,123			10,094		5.02		1,085,860			18,918		7.07
Total borrowed funds	1,076,554			10,214		3.82		1,305,607			18,996		5.90
Total interest-bearing liabilities	28,749,620			22,059		0.31		28,244,237			31,100		0.45
Noninterest-bearing deposits	21,881,777							20,545,395
Other liabilities	579,453							612,752
Total liabilities	51,210,850							49,402,384
Shareholders’ equity:
Preferred equity	828,490							1,004,015
Common equity	6,786,977							6,405,305
Total shareholders’ equity	7,615,467							7,409,320
Total liabilities and shareholders’ equity	$	58,826,317						$	56,811,704
Spread on average interest-bearing funds						3.20	%						3.01	%
Taxable-equivalent net interest income and net yield on interest-earning assets				$	458,242	3.35	%				$	421,581	3.22	%

¹  Taxable-equivalent rates used where applicable.

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

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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 (“RULC”) at an adequate level based on the inherent risks associated with such commitments. In determining adequate levels of the allowance and 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 64 for more information on how we determine the appropriate level for the allowance for loan and lease losses (“ALLL”) and the RULC.

During the past few years, we have experienced a significant improvement in credit quality metrics for non-oil and gas-related loans; however, recently we have experienced deterioration in various credit quality metrics primarily associated with oil and gas-related loans. For the first quarter of 2016, outside of the oil and gas-related portfolio, credit quality metrics improved compared to the same prior year period, while overall credit quality metrics deteriorated due to depressed energy prices. Gross loan and lease charge-offs increased to $48 million in the first quarter of 2016 (75.5% of all gross charge-offs were oil and gas related), compared to $45 million in the fourth quarter of 2015. Additionally, we had gross recoveries of $12 million and $32 million for the same periods.

Nonperforming assets increased to $552 million at March 31, 2016 from $357 million at December 31, 2015. The ratio of nonperforming assets to loans and leases and other real estate owned (“OREO”) increased to 1.33% at March 31, 2016 from 0.87% at December 31, 2015. Classified loans increased to $1.5 billion at March 31, 2016 from $1.4 billion at December 31, 2015. Classified loans current as to principal and interest payments, were 87.7% at March 31, 2016, compared to 86.5% at December 31, 2015. Classified loans are loans with well-defined credit weaknesses that are risk graded Substandard or Doubtful.

The allowance for loan losses increased by approximately $6 million since December 31, 2015, due to declines in the performance of the oil and gas-related portfolio. Deterioration in the oil and gas-related portfolio is generally offset by improvements in the rest of the funded loan portfolio. The decline in credit quality and the increase of charge-offs in the oil and gas-related portfolio, offset by improvements in the rest of the funded loan portfolio, resulted in a provision of $42.1 million in the first quarter of 2016, compared to a provision of $(1.5) million in the first quarter of 2015. The negative provision in the first quarter of 2015 was significantly affected by higher than normal recoveries in that period. 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 current volatility in oil and gas prices and the potential for oil and gas prices to remain low for an extended period of time. Refer to the “Oil and Gas-Related Exposure” section on page 65 for more information.

During the first quarter of 2016, we recorded a $(5.8) million provision for unfunded lending commitments compared to a $1.2 million provision in the first quarter of 2015 and a $(6.6) million provision in the fourth quarter of 2015. The negative provision recognized in the first quarter of 2016 is primarily due to significant improvement, outside of the oil and gas-related portfolio, in portfolio-specific credit quality metrics, sustained improvement in broader economy and credit quality indicators, and changes in the portfolio mix. 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 first quarter of 2016, noninterest income was $116.8 million, compared to $117.3 million for the same prior year period, representing a decrease of 0.5%. Although noninterest income remained relatively stable across the two quarters, there were several variances within noninterest income that effectively offset each other.

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

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and servicing fees, and other miscellaneous fees, increased to $49.4 million in the first quarter of 2016 compared to $43.0 million in the first quarter of 2015. This 15.1% increase was due to the factors described subsequently.

During the first quarter of 2016 we reclassified bankcard rewards expense from non-interest expense into non-interest income in order to offset the associated revenue (interchange fees) to align with industry practice. This reclassification within other service charges, commission and fees lowered noninterest income in the first quarter of 2016 (and also decreased other noninterest expense by the same amount). For comparative purposes we also reclassified prior period amounts. This reclassification had no impact on net income. Interchange fees also increased over the prior year quarter by $4.2 million.

Dividend and other investment income declined from $9.4 million in the first quarter of 2015 to $4.6 million in the first quarter of 2016, or 50.5%. This large decline was due to lower income and write-downs on certain PEIs. Due to the charter consolidation from seven banking entities to one, our stock ownership with the Federal Home Loan Banking System (“FHLB”) decreased $87.5 million between first quarter 2016 and the prior year period and will decrease slightly during 2016 as positions further unwind. As a result of this, we expect our FHLB dividends to decline by approximately $7 million annually, but only $6 million in 2016 due to the timing of the FHLB stock redemptions. Due to the charter consolidation, where our state chartered banks had not previously needed to hold stock in the Federal Reserve, our stock with the Federal Reserve increased $59.7 million over the same period. However, due to the passing of the “Fixing of America’s Surface Transportation” Act, which will reduce dividends on Federal Reserve stock, we expect income related to these dividends to decline by approximately $4 million in 2016 compared with 2015.

Equity securities gains (losses), net declined $3.9 million to a net loss of $0.6 million between first quarter 2016 and first quarter 2015 due to a $0.6 million first quarter unrealized loss, contrasted with a $3.3 million fourth quarter unrealized gain in the Small Business Investment Companies (“SBICs”) portfolio.

Other income increased to $2.9 million in first quarter 2016 from $0.9 million in the prior year period. This $2 million increase was due to Small Business Administration (“SBA”) interest-only strip income and some other miscellaneous items.

Noninterest Expense

Noninterest expense increased by $2.6 million, or 0.7%, to $395.6 million in the first quarter of 2016, compared to the same prior year period. The increase in noninterest expense was primarily caused by an increase in seasonal salaries and employee benefits, partially offset by decreases in the provision for unfunded lending commitments and other noninterest expense. The following are major components of noninterest expense line items impacting the first quarter change.

Salaries and employee benefits were $258.3 million in the first quarter of 2016, compared to $243.5 million for the same quarter in 2015. This increase of $14.8 million or 6.1% over the prior year period was mainly caused by a seasonal increase of approximately $6 million in the accrual related to annual restricted stock awards, which historically occurred in the second quarter, as well as higher salary and bonus expense even though the number of full-time equivalent employees fell by 263 over the respective quarters. Staff reductions as a result of continued consolidation efforts, including charter consolidation and associated internal restructuring have been partially offset by increased headcount related to our major systems projects and build-out of our enterprise risk management function. Staff involved in these projects tend to be in more highly compensated roles than positions in which reductions occurred.

Furniture, equipment and software was $32.0 million in the first quarter 2016 compared to $29.7 million in the first quarter 2015, representing a $2.3 million or 7.7% increase. A significant driver of this change was increased amortization expense of software purchased, which is related to our commitment to invest in technology to meet the demands of a rapidly changing information technology environment.

Other noninterest expense for the first quarter of 2016 was $50.1 million, compared to $53.9 million for the same prior year period. The decrease is primarily due to a continued decline in write-downs of the FDIC indemnification asset due to paydowns and payoffs. Travel and public relations expenses also declined due to management’s

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continued focus on Company-wide cost saving efforts. Finally, various operational losses improved almost $1.8 million between the two periods. The main offset to the above items was a small increase in ATM and EDS expense.

The FDIC approved a change in deposit insurance assessments that implements a Dodd-Frank Act provision requiring banks with over $10 billion in assets to be responsible for recapitalizing the FDIC insurance fund to 1.35% of insured deposits by the end of 2018, after it reaches a 1.15% reserve ratio. There is general consensus the FDIC will reach the 1.15 reserve ratio during the second quarter and the final rule becomes effective on July 1, 2016. Any additional premiums required in 2016 as a result of this assessment will be partially offset by a reduction in the Company’s overall rate resulting from the consolidation of the individual bank charters.

As discussed in the executive summary section of this document, we modified our goal to hold adjusted noninterest expense from a commitment of “less than $1.60 billion in 2016” to “less than $1.58 billion in 2016,” reflecting a reclassification of certain expense items to net against related revenue, which became effective in the first quarter of 2016. To arrive at adjusted noninterest expense, GAAP noninterest expense is adjusted to exclude certain expense items which are the same as those items excluded in arriving at the efficiency ratio (see “GAAP to Non-GAAP Reconciliations” on page 84 for more information regarding the calculation of the efficiency ratio).

Income Taxes

Income tax expense for the first quarter of 2016 was $41.4 million compared to an income tax expense of $51.2 million for the same period in 2015. The effective income tax rates, including the effects of noncontrolling interests, for the first three months of 2016 and 2015 were 31.4% and 35.7%, respectively. The tax rates for both the first quarter of 2016 and 2015 were benefited primarily by the non-taxability of certain income items. However, the 2016 effective tax rate was further benefited by the release of various uncertain state tax positions.

We had a net deferred tax asset (“DTA”) balance of $180 million at March 31, 2016, compared to $203 million at December 31, 2015. The decrease in the DTA resulted primarily from the payout of accrued compensation and the reduction of unrealized losses in OCI related to securities. The decrease in the deferred tax liabilities, which related to premises and equipment, FHLB stock dividends and the deferred gain on a prior period debt exchange, offset some of the overall decrease in DTA.

Preferred Dividends

Our preferred dividends decreased by $2.6 million in the first quarter of 2016 as a result of the tender offer we completed in the fourth quarter of 2015 to purchase $176 million of its Series I preferred stock for an aggregate cash payment of $180 million. As reported separately on April 25, 2016, we launched a tender offer for up to $120 million par amount of certain outstanding shares of preferred stock. If the tender offer is successful, preferred dividends would be $48.1 million for 2016, and $45.6 million in 2017.

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. As a result of slower economic growth accompanied by moderate loan demand in previous periods, the Company’s initiative to maintain a higher-yielding mix of interest-earning assets caused us to deploy excess funds into highly liquid security purchases.

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Average interest-earning assets were $55.0 billion for the first three months of 2016, compared to $53.1 billion for the first three months of 2015. Average interest-earning assets as a percentage of total average assets for the first three months of 2016 were 93.5%, compared to 93.4% in the corresponding prior year period.

Average loans were $41.0 billion and $40.2 billion for the first three months of 2016 and 2015, respectively. Average loans as a percentage of total average assets for the first three months of 2016 were 69.7%, compared to 70.7% in the corresponding prior year period.

Average money market investments, consisting of interest-bearing deposits, federal funds sold, and security resell agreements, decreased by 36.1% to $5.1 billion for the first three months of 2016, compared to $8.0 billion for the first three months of 2015. Average securities increased by 82.4% for the first three months of 2016, compared to the first three months of 2015. Average total deposits increased by 4.4% resulting from an increase in noninterest-bearing deposits, interest-on-checking and money market deposits.

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 79 for additional information on management of liquidity and funding and compliance with Basel III and Liquidity Coverage Ratio (“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

	March 31, 2016								December 31, 2015
(In millions)	Par value		Amortized cost		Carrying value		Estimated fair value		Par value		Amortized cost		Carrying value		Estimated fair value
Held-to-maturity
Municipal securities	$	632	$	632	$	632	$	636	$	546	$	546	$	546	$	552
	632		632		632		636		546		546		546		552
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,499		1,498		1,511		1,511		1,233		1,232		1,233		1,233
Agency guaranteed mortgage-backed securities	4,318		4,487		4,496		4,496		3,810		3,965		3,936		3,936
Small Business Administration loan-backed securities	1,819		2,020		2,021		2,021		1,741		1,933		1,931		1,931
Municipal securities	502		553		556		556		387		417		419		419
Other debt securities	25		25		22		22		25		25		23		23
	8,163		8,583		8,606		8,606		7,196		7,572		7,542		7,542
Money market mutual funds and other	96		96		96		96		101		101		101		101
	8,259		8,679		8,702		8,702		7,297		7,673		7,643		7,643
Total	$	8,891	$	9,311	$	9,334	$	9,338	$	7,843	$	8,219	$	8,189	$	8,195

The amortized cost of investment securities at March 31, 2016 increased by 13.3% from the balances at December 31, 2015, primarily due to purchases of agency guaranteed mortgage-backed securities. There were additional increases in agency securities, municipal securities, and Small Business Administration (“SBA”) loan-backed securities.

The investment securities portfolio includes $420 million of net premium almost exclusively from SBA loan-backed securities and agency guaranteed mortgage-backed securities. Recent purchases of these securities have occurred at a premium to the respective par amount. The amortization of these premiums each quarter is dependent upon

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borrower prepayment behavior. Premium amortization for the first quarter of 2016 was approximately $19 million, compared to approximately $18 million in the fourth quarter of 2015, and is included in portfolio yields. The increased premium amortization is due to both an increased amount of agency guaranteed mortgage-backed securities and SBA loan-backed securities and changes in prepayment rates of the underlying loans.

As of March 31, 2016, under the GAAP fair value accounting hierarchy, 0.7% of the $8.7 billion fair value of the AFS securities portfolio was valued at Level 1, 99.3% was valued at Level 2, and there were no Level 3 AFS securities. At December 31, 2015, 0.8% of the $7.6 billion fair value of AFS securities portfolio was valued at Level 1, 99.2% was valued at Level 2, and there were no Level 3 AFS securities. 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)	March 31, 2016			December 31, 2015
Loans and leases		$	695		$	676
Held-to-maturity – municipal securities		632			546
Available-for-sale – municipal securities		556			419
Trading account – municipal securities		57			33
Unfunded lending commitments		124			119
Total direct exposure to municipalities		$	2,064		$	1,793

At March 31, 2016, $1 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 91% of the outstanding credits were originated by CB&T, Zions Bank, Vectra, and Amegy. See Note 6 of the Notes to Consolidated Financial Statements for additional information about the credit quality of these municipal loans.

Growth in municipal exposures came primarily from increases in the municipal AFS securities portfolio consistent with our initiative to move available funds to higher yielding investments. AFS securities generally consist of securities with investment-grade ratings from one or more major credit rating agencies. HTM securities consist of unrated bonds issued by small local government entities. 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.

Foreign Exposure and Operations

Our credit exposure to foreign sovereign risks and total foreign credit exposure is not significant. We also do not have significant foreign exposure to derivative counterparties. We have foreign operations as a result of our branch in Grand Cayman, Grand Cayman Islands B.W.I. While deposits in this branch are not subject to FRB reserve requirements, there are no federal or state income tax benefits to the Company or any customers as a result of these operations. Foreign deposits were $220 million at March 31, 2016 and $294 million at December 31, 2015.

Loan Portfolio

For the first quarter of 2016 and 2015, average loans accounted for 69.7% and 70.7%, 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 March 31, 2016.

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LOAN PORTFOLIO

	March 31, 2016				December 31, 2015
(Amounts in millions)	Amount		% of total loans		Amount		% of total loans
Commercial:
Commercial and industrial	$	13,590	32.8	%	$	13,211	32.5	%
Leasing	437		1.0		442		1.1
Owner occupied	7,022		17.0		7,150		17.6
Municipal	696		1.7		676		1.7
Total commercial	21,745		52.5		21,479		52.9
Commercial real estate:
Construction and land development	1,968		4.8		1,842		4.5
Term	8,826		21.3		8,514		21.0
Total commercial real estate	10,794		26.1		10,356		25.5
Consumer:
Home equity credit line	2,433		5.9		2,417		5.9
1-4 family residential	5,418		13.1		5,382		13.2
Construction and other consumer real estate	401		0.9		385		0.9
Bankcard and other revolving plans	439		1.0		444		1.1
Other	188		0.5		187		0.5
Total consumer	8,879		21.4		8,815		21.6
Total net loans	$	41,418	100.0	%	$	40,650	100.0	%

Loan portfolio growth during the first quarter of 2016 was widespread across loan products and geography with particular strength incommercial and industrial, commercial real estate term, and commercial real estate construction and land development loans. The impact of these increases was partially offset by decreases in commercial owner occupied loans.

Commercial owner occupied loans declined primarily due to the continued runoff and attrition of the National Real Estate portfolio at Zions Bank, which is not expected to continue at the same pace in 2016. 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 increasing loan growth in residential mortgage loans and commercial and industrial loans, partially offset by continued attrition from the National Real Estate and oil and gas-related portfolios. We also expect to continue to limit commercial real estate 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.

Other Noninterest-Bearing Investments

As part of the Company’s initiative to consolidate its charters into a single charter, the Company will have shares in a single FHLB (Des Moines). Historically, each affiliate bank held shares in different FHLBs. All stock in the other FHLBs has been redeemed with the exception of our stock in the FHLB (Dallas), which is likely to redeemed during 2016. Our investment balance in Federal Reserve stock is expected to remain relatively stable from where it currently sits at March 31, 2016. The $58 million increase during the quarter is because several state-chartered affiliate banks were not required to hold stock with the FRB. Following consolidation, the capital requirements for ZB, N.A. increased. The following schedule sets forth the Company’s other noninterest-bearing investments.

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OTHER NONINTEREST-BEARING INVESTMENTS

(In millions)	March 31, 2016			December 31, 2015
Bank-owned life insurance		$	489		$	486
Federal Home Loan Bank stock		16			68
Federal Reserve stock		181			123
Farmer Mac stock		27			25
SBIC investments		113			113
Non-SBIC investment funds		22			24
Others		8			9
		$	856		$	848

Premises and Equipment

Premises and equipment increased $20 million, or 2.2%, during the first three months of 2016 primarily due to capitalized costs associated with the development of a new corporate facility for 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 three months of 2016 increased by 4.4%, compared to the first three months of 2015, with average interest-bearing deposits increasing by 2.7% and average noninterest-bearing deposits increasing by 6.5%. The increase in interest and noninterest-bearing deposits were driven by increases in both personal and business customer balances. The average interest rate paid for interest-bearing deposits was 1 bp lower during the first quarter of 2016, compared to the first quarter of 2015.

Deposits at March 31, 2016, excluding time deposits $100,000 and over and brokered deposits, decreased by 0.6%, or $282 million, from December 31, 2015. The decrease was mainly due to a decrease in noninterest-bearing demand deposits and foreign deposits, partially offset by an increase in interest-bearing domestic savings and money market deposits. This decrease is cyclical in nature as companies frequently shore up their balance sheets at year-end and then reinvest some of those funds during the first quarter of each year.

Demand and savings and money market deposits were 95.4% and 95.2% of total deposits at March 31, 2016 and December 31, 2015, respectively.

During the first three months of 2016, and throughout 2015, 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 March 31, 2016 and December 31, 2015, total deposits included $139 million and $119 million, respectively, of brokered deposits.

See “Liquidity Risk Management” on page 79 for additional information on funding and borrowed funds.

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 meets on a regular basis to monitor and review Enterprise Risk Management (“ERM”) activities. As required by its charter, the ROC performs oversight for various ERM activities and approves ERM policies and activities as detailed in the ROC charter.

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. These risks are overseen by the various

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management committees of which the Enterprise Risk Management Committee (“ERMC”) is the focal point for the monitoring and review of enterprise risk.

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 our 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. Additionally, the Board has established the Credit Administration Committee (“CAC”), chaired by the Chief Credit Officer and consisting of members of management, to which it has delegated the responsibility for managing credit risk for the company.

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 banking affiliate 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. Credit examination 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 New Product Review Committee.

Both the credit policy and the credit examination functions are managed centrally. Emphasis is placed 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 commercial real estate (“CRE”) and oil and gas-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 oil and gas-related lending. All of these limits are continually monitored and revised as necessary. The recent growth in construction and land development loan commitments is within the established concentration limits. Our business activity is primarily with customers located within the geographical footprint of our banking affiliates.

Government Agency Guaranteed Loans

We participate in various guaranteed lending programs sponsored by U.S. government agencies, such as the SBA, FDIC, Federal Housing Authority, Veterans’ Administration, Export-Import Bank of the U.S., and the U.S. Department of Agriculture. At March 31, 2016, the guaranteed portion of these loans was approximately $438 million. Most of these loans were guaranteed by the SBA.

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

GOVERNMENT GUARANTEES

(Amounts in millions)	March 31, 2016			Percent guaranteed			December 31, 2015			Percent guaranteed
Commercial		$	544		75	%		$	536		76	%
Commercial real estate		16			77			17			77
Consumer		17			90			16			90
Total loans		$	577		76			$	569		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

	March 31, 2016				December 31, 2015
(Amounts in millions)	Amount		Percent		Amount		Percent
Real estate, rental and leasing	$	2,401	11.0	%	$	2,355	11.0	%
Manufacturing	2,310		10.6		2,338		10.9
Retail trade	2,094		9.6		2,025		9.4
Mining, quarrying and oil and gas extraction	1,804		8.3		1,820		8.5
Wholesale trade	1,623		7.5		1,644		7.6
Healthcare and social assistance	1,408		6.5		1,361		6.3
Finance and insurance	1,396		6.4		1,325		6.2
Transportation and warehousing	1,232		5.7		1,219		5.7
Construction	1,091		5.0		1,087		5.1
Professional, scientific and technical services	992		4.6		860		4.0
Accommodation and food services	944		4.3		964		4.5
Other services (except Public Administration)	862		4.0		862		4.0
Utilities 1	808		3.7		775		3.6
Other 2	2,780		12.8		2,844		13.2
Total	$	21,745	100.0	%	$	21,479	100.0	%

¹  Includes primarily utilities, power, and renewable energy.

²  No other industry group exceeds 3%.

Oil and Gas-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 oil and gas-related. At March 31, 2016 and December 31, 2015, we had approximately $4.7 billion and $4.8 billion of total oil and gas-related credit exposure, respectively. The distribution of oil and gas-related loans by customer market segment is shown in the following schedule:

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OIL AND GAS-RELATED EXPOSURE ¹ 

				% of total oil and gas- related					% of total oil and gas- related					% of total oil and gas- related
(Amounts in millions)	March 31, 2016					December 31, 2015					March 31, 2015
Loans and leases
Upstream – exploration and production		$	859	32	%		$	817	31	%		$	1,078	34	%
Midstream – marketing and transportation		649		24			621		23			654		21
Downstream – refining		129		5			127		5			141		4
Other non-services		43		2			44		2			57		2
Oilfield services		734		28			784		30			959		30
Energy service manufacturing		229		9			229		9			268		9
Total loan and lease balances		2,643		100	%		2,622		100	%		3,157		100	%
Unfunded lending commitments		2,021					2,151					2,432
Total oil and gas credit exposure		$	4,664				$	4,773				$	5,589
Private equity investments		$	12				$	13				$	17

Credit quality measures
Criticized loan ratio	37.5	%	30.3	%	15.7	%
Classified loan ratio	26.9	%	19.7	%	9.4	%
Nonperforming loan ratio	10.8	%	2.5	%	2.1	%
Net charge-off ratio, annualized2	5.4	%	3.6	%	0.3	%

¹  Because many borrowers operate in multiple businesses, judgment has been applied in characterizing a borrower as oil and gas-related, including a particular segment of oil and gas-related activity, e.g., upstream or downstream; typically, 50% of revenues coming from the oil and gas sector is used as a guide.

²  Calculated as the ratio of annualized net charge-offs, for each respective period, to loan balances at each period end.

During the first quarter of 2016, our overall balance of oil and gas-related loans slightly increased by $21 million, or 0.8%, compared to a decrease of $183 million, or 6.5%, during the fourth quarter of 2015. Unfunded oil and gas-related lending commitments declined by $130 million, or 6.0%, during the first quarter of 2016 primarily in the oilfield services and exploration and production portfolios, compared to a decline of $190 million, or 8.1%, during the fourth quarter of 2015.

Consistent with management’s expectations, the majority of loan downgrades in the first quarter of 2016 reflected deterioration in the financial condition of companies in the oilfield services and the exploration and production portfolios. Oil and gas-related loan net charge-offs were $36 million in the first quarter of 2016 and were predominantly in the oilfield services portfolio, compared to $24 million in the fourth quarter of 2015. Nonaccruing loans increased by $220 million in the first quarter of 2016, primarily in the exploration and production and oilfield services portfolios. Approximately 91% of oil and gas-related nonaccruing loans were current as to principal and interest payments at March 31, 2016, up from 71% at December 31, 2015. Further downgrades are likely; however, we currently believe we have established an appropriate reserve of 8.1% for the funded portfolio.

Upstream

Upstream exploration and production loans comprised approximately 32% and 31% of the oil and gas-related loans at March 31, 2016 and December 31, 2015, respectively. 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 approximately 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 and third party engineers and conservative underwriting, we apply multiple discounts. These discounts often range from 10-40% of the value of the collateral

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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.

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 60% and 57% at March 31, 2016 and December 31, 2015, respectively. 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. We are currently in our spring redetermination of exploration and production oil and gas-related loan borrowing bases, and we anticipate the average borrowing base of an upstream client to decline relative to the fall re-determination.

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. As of March 31, 2016, of the upstream borrower’s risk-based estimated oil production and gas production projected in 2016, approximately 46% and 57%, respectively, is hedged based on the latest data provided by the borrowers.

Midstream

Midstream marketing and transportation loans comprised approximately 24% and 23% of the oil and gas-related exposure at March 31, 2016 and December 31, 2015, respectively. 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.

Energy Services

Energy services loans, which include oilfield services and energy service manufacturing, comprised approximately 37% and 39% of the oil and gas-related exposure at March 31, 2016 and December 31, 2015, respectively. Energy services 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 services 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 services loans to withstand a 20-50% decline in cash flows, with higher discounts for those borrowers subject to greater cyclicality.

Risk Management of the Oil and Gas-Related Portfolio

We apply concentration limits and disciplined underwriting to the entire oil and gas-related loan portfolio to limit our risk exposure. Concentration limits on oil and gas-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 in the size of our oil and gas-related portfolio, the average amount of our commitments is approximately $7 million, with approximately 64% of the commitments less than $30 million. Additionally, there are instances where we have

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commitments to a common sponsor which, when combined, would result in higher commitment levels 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 oil and gas-related portfolio is secured by reserves, equipment, real estate, and other collateral, or a combination of collateral types.

We participate as a lender in loans and commitments designated as Shared National Credits (“SNCs”), which generally consist of 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 79% of the upstream portfolio, 82% 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. Our grading methodology for SNCs has been, and continues to be, consistent with regulatory guidance.

As a secondary source of support, many of our oil and gas-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.

We expect further downgrades in the oil and gas portfolio, primarily from the oilfield services companies; although, we currently believe we have appropriately reserved for these downgrades. The deterioration of oil and gas-related credits is transpiring consistent with our outlook and expectations from late 2014; although, future energy price volatility may result in further credit deterioration. When establishing the level of the allowance for credit losses(“ACL”), we consider multiple factors, including reduced drilling activity and additional capital raises. During the first quarter of 2016, we increased the ACL on the oil and gas portfolio by approximately $67 million, primarily due to the decline in energy prices, which contributed to an increased provision for loan losses during the quarter.

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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	3/31/2016	$	1,122		$	3,103		$	438		$	554		$	1,463		$	1,246		$	270		$	630		$	8,826		81.8	%
% of loan type		12.7		%	35.1		%	5.0		%	6.3		%	16.6		%	14.1		%	3.1		%	7.1		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2016	0.3		%	0.1		%	0.4		%	0.3		%	—		%	0.1		%	—		%	—		%	0.1		%
	12/31/2015	0.1		%	0.1		%	0.3		%	0.1		%	0.1		%	—		%	0.2		%	0.2		%	0.1		%
≥ 90 days	3/31/2016	—		%	0.5		%	1.4		%	—		%	0.1		%	0.2		%	1.0		%	0.9		%	0.4		%
	12/31/2015	—		%	0.5		%	1.6		%	0.1		%	0.1		%	0.2		%	1.0		%	0.9		%	0.4		%
Accruing loans past due 90 days or more	3/31/2016	$	—		$	11		$	—		$	—		$	—		$	3		$	3		$	1		$	18
	12/31/2015	—			15			—			—			—			3			3			1			22
Nonaccrual loans	3/31/2016	$	8		$	9		$	7		$	2		$	1		$	1		$	—		$	5		$	33
	12/31/2015	17			4			8			3			1			1			—			6			40
Residential construction and land development
Balance outstanding	3/31/2016	$	25		$	340		$	83		$	—		$	258		$	46		$	13		$	2		$	767		7.1	%
% of loan type		3.3		%	44.3		%	10.8		%	—		%	33.6		%	6.0		%	1.7		%	0.3		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2016	5.7		%	—		%	—		%	—		%	0.2		%	—		%	—		%	—		%	0.2		%
	12/31/2015	—		%	—		%	—		%	—		%	0.3		%	—		%	—		%	—		%	0.1		%
≥ 90 days	3/31/2016	—		%	—		%	—		%	—		%	0.4		%	—		%	—		%	—		%	0.1		%
	12/31/2015	—		%	—		%	—		%	—		%	0.5		%	—		%	—		%	—		%	0.2		%
Accruing loans past due 90 days or more	3/31/2016	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2015	—			—			—			—			—			—			—			—			—
Nonaccrual loans	3/31/2016	$	—		$	—		$	—		$	—		$	3		$	—		$	—		$	—		$	3
	12/31/2015	—			—			—			—			3			—			—			—			3
Commercial construction and land development
Balance outstanding	3/31/2016	$	107		$	190		$	68		$	48		$	494		$	221		$	33		$	40		$	1,201		11.1	%
% of loan type		8.9		%	15.8		%	5.7		%	4.0		%	41.2		%	18.4		%	2.7		%	3.3		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2016	—		%	—		%	—		%	—		%	0.1		%	0.2		%	—		%	—		%	0.1		%
	12/31/2015	—		%	—		%	—		%	—		%	—		%	0.1		%	—		%	—		%	—		%
≥ 90 days	3/31/2016	—		%	—		%	—		%	—		%	0.7		%	0.1		%	—		%	—		%	0.3		%
	12/31/2015	—		%	—		%	—		%	—		%	0.7		%	0.4		%	—		%	—		%	0.4		%
Accruing loans past due 90 days or more	3/31/2016	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2015	—			—			—			—			—			—			—			—			—
Nonaccrual loans	3/31/2016	$	—		$	—		$	—		$	—		$	4		$	—		$	—		$	—		$	4
	12/31/2015	—			—			—			—			4			—			—			—			4
Total construction and land development	3/31/2016	$	132		$	530		$	151		$	48		$	752		$	267		$	46		$	42		$	1,968
Total commercial real estate	3/31/2016	$	1,254		$	3,633		$	589		$	602		$	2,215		$	1,513		$	316		$	672		$	10,794		100.0	%

¹  No other geography exceeds $91 million for all three loan types.

²  Delinquency rates include nonaccrual loans.

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Approximately 25% of the CRE term loans consist of mini-perm loans as of March 31, 2016. 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 75% 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 $133 million, or 11%, of the commercial construction and land development portfolio at March 31, 2016 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.

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

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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.

Due to the oil and gas price volatility, there could be a potential adverse impact on our CRE loan portfolio within Texas. Our largest credit exposures in Texas are to the multi-family, office, and retail sectors. However, compared to 2008, our CRE exposure in Texas has significantly decreased. We have a centralized review and approval process for all CRE transactions leading to more consistency and discipline in underwriting standards. The cash equity in office construction ranges from 32% to 50% depending on the level of pre-leasing compared to 2008 when cash equity for an office building was in the 20%-25% range.

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 both March 31, 2016 and December 31, 2015, our HECL portfolio totaled $2.4 billion. The following schedule describes the composition of our HECL portfolio by lien status.

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HECL PORTFOLIO BY LIEN STATUS

(In millions)	March 31, 2016		December 31, 2015
Secured by first deeds of trust	$	1,280	$	1,268
Secured by second (or junior) liens	1,153		1,149
Total	$	2,433	$	2,417

At March 31, 2016, loans representing approximately 1% 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 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.

Approximately 94% of our HECL portfolio is still in the draw period, and approximately 30% 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. The annualized net credit losses for the HECL portfolio were 3 bps and (1) bps, for the first three months of 2016 and 2015, 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 to 1.33% at March 31, 2016, compared to 0.87% at December 31, 2015.

Total nonaccrual loans at March 31, 2016 increased $192 million from December 31, 2015, primarily due to the deterioration in the oil and gas-related loan portfolio. However, nonaccrual loans declined in the commercial real estate term and 1-4 family residential loan classes. The largest total decreases in nonaccrual loans occurred at Zions Bank.

The balance of nonaccrual loans decreases 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.

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The following schedule sets forth our nonperforming assets:

NONPERFORMING ASSETS

(Amounts in millions)	March 31, 2016			December 31, 2015
Nonaccrual loans 1	$	542		$	350
Other real estate owned	10			7
Total nonperforming assets	$	552		$	357
Ratio of nonperforming assets to net loans and leases1 and other real estate owned	1.33		%	0.87		%
Accruing loans past due 90 days or more	$	37		$	32
Ratio of accruing loans past due 90 days or more to loans and leases1	0.09		%	0.08		%
Nonaccrual loans and accruing loans past due 90 days or more	$	579		$	382
Ratio of nonaccrual loans and accruing loans past due 90 days or more to loans and leases1	1.39		%	0.94		%
Accruing loans past due 30-89 days	$	100		$	122
Nonaccrual loans current as to principal and interest payments	72.4		%	62.1		%

¹ Includes loans held for sale.

Restructured Loans

TDRs are loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for whom we have granted a concession that we would not otherwise consider. TDRs increased 10.4% during the first quarter of 2016, mainly due to the deterioration in the oil and gas-related loan portfolio. 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.

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

	March 31, 2016			December 31, 2015
(In millions)
Restructured loans – accruing		$	195		$	194
Restructured loans – nonaccruing		133			103
Total		$	328		$	297

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.

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TROUBLED DEBT RESTRUCTURED LOANS ROLLFORWARD

	Three Months Ended March 31,
(In millions)	2016			2015
Balance at beginning of period	$	297		$	343
New identified TDRs and principal increases	64			13
Payments and payoffs	(31		)	(46		)
Charge-offs	(2		)	(1		)
No longer reported as TDRs	—			—
Sales and other	—			—
Balance at end of period	$	328		$	309

Allowance for Credit Losses

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

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)	Three Months Ended March 31, 2016			Twelve Months Ended December 31, 2015			Three Months Ended March 31, 2015
Loans and leases outstanding (net of unearned income)	$	41,418		$	40,650		$	40,180
Average loans and leases outstanding (net of unearned income)	$	41,003		$	40,171		$	40,179
Allowance for loan losses:
Balance at beginning of period	$	606		$	605		$	605
Provision charged (credited) to earnings	42			40			(2		)
Adjustment for FDIC-supported/PCI loans	—			—			—
Charge-offs:
Commercial	(43		)	(111		)	(16		)
Commercial real estate	(1		)	(14		)	(1		)
Consumer	(4		)	(14		)	(3		)
Total	(48		)	(139		)	(20		)
Recoveries:
Commercial	7			55			21
Commercial real estate	3			35			14
Consumer	2			10			2
Total	12			100			37
Net loan and lease charge-offs	(36		)	(39		)	17
Balance at end of period	$	612		$	606		$	620
Ratio of annualized net charge-offs to average loans and leases	0.35		%	0.10		%	(0.17		)%
Ratio of allowance for loan losses to net loans and leases, at period end	1.48		%	1.49		%	1.54		%
Ratio of allowance for loan losses to nonperforming loans, at period end	112.94		%	173.23		%	162.28		%
Ratio of allowance for loan losses to nonaccrual loans and accruing loans past due 90 days or more, at period end	105.69		%	158.70		%	149.90		%

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The total ALLL increased during the first three months of 2016 by $6 million. We increased the ALLL due to weaknesses in the oil and gas industry. This increase was partially offset by a reduction in the ALLL elsewhere, which was due to improvements in credit quality metrics outside of the oil and gas industry.

The RULC 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. At March 31, 2016, the reserve decreased by $5.8 million compared to December 31, 2015, and decreased by $13.3 million from March 31, 2015.

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

Interest Rate and Market Risk Management

Interest rate and market risk are managed centrally. Interest rate risk is the potential for reduced net interest income and other rate sensitive income resulting from adverse changes in the level of interest rates. Market risk is the potential for loss arising from adverse changes in the fair value of fixed income securities, equity securities, other earning assets, and derivative financial instruments as a result of changes in interest rates or other factors. As a financial institution that engages in transactions involving an array of financial products, we are exposed to both interest rate risk and market risk.

The Company’s 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. ALCO is primarily responsible for managing interest rate and market risk.

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, there is limited sensitivity to falling rates at the current time, and we have tended to operate near interest rate risk “triggers” and appetites to be appropriately positioned in light of prevailing market conditions in order to maximize shareholder value. However, if interest rates remain at their current historically low levels, given our asset sensitivity, we would expect the NIM to be under continuing modest pressure assuming a balance sheet that is static in size. Additionally, market participants have recently contemplated the possibility of negative rates in the U.S. markets which would likely have a more negative impact on the NIM. In order to mitigate this pressure we have been deploying cash into short-to-medium duration agency pass-through securities. 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, while improving current earnings.

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

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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.

The following schedule presents the formal EVE limits we have adopted. Exceptions to the EVE limits are subject to notification and approval by the ROC. In the normal course of business, we evaluated our limits and made changes to reflect its current balance sheet management objectives. These changes are reflected in the following schedule.

ECONOMIC VALUE OF EQUITY DECLINE LIMITS

Parallel change in interest rates	Trigger decline in EVE		Risk capacity decline in EVE
+/- 200 bps	8	%	10	%
+/- 400 bps	21	%	25	%

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:

DEPOSIT ASSUMPTIONS

	March 31, 2016
	Fast				Slow
Product	Effective duration (unchanged)		Effective duration (+200 bps)		Effective duration (unchanged)		Effective duration (+200 bps)
Demand deposits	2.3	%	1.5	%	2.7	%	2.2	%
Money market	1.5	%	1.2	%	1.9	%	1.6	%
Savings and interest-on-checking	2.7	%	1.9	%	3.3	%	2.7	%

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

	March 31, 2016
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Fast	(5.1	)%	—	%	5.5	%	9.4	%	11.9	%
Slow	(5.8	)%	—	%	8.2	%	15.7	%	22.3	%

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

For comparative purposes, the December 31, 2015 balances are presented in the following schedule.

	December 31, 2015
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Fast	(4.2	)%	—	%	5.0	%	8.6	%	11.1	%
Slow	(5.0	)%	—	%	8.0	%	15.5	%	22.2	%

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

The decrease in interest rate sensitivity was driven by purchases of securities and loan growth.

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

	March 31, 2016
Repricing scenario	-100 bps		0 bps		+100 bps		+200 bps		+300 bps
Fast	5.4	%	—	%	1.1	%	—	%	(2.9	)%
Slow	4.7	%	—	%	4.6	%	7.5	%	8.9	%

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For comparative purposes, we applied the new model to the December 31, 2015 balances; these results are presented in the following schedule.

	December 31, 2015
Repricing scenario	-100 bps		0 bps		+100 bps		+200 bps		+300 bps
Fast	(1.8	)%	—	%	0.4	%	(1.3	)%	(4.5	)%
Slow	(1.1	)%	—	%	3.9	%	6.1	%	7.2	%

Our focus on business banking also plays a significant role in determining the nature of the Company’s asset-liability management posture. At March 31, 2016, $18.3 billion of the Company’s commercial lending and CRE loan balances were scheduled to reprice in the next six months. Of these variable-rate loans approximately 96% are tied to either the prime rate or LIBOR. For these variable-rate loans we have executed $1.4 billion of cash flow hedges by receiving fixed-rates on interest rate swaps. Additionally, asset sensitivity is reduced due to $1.5 billion of variable-rate loans being priced at floored rates at March 31, 2016, which were above the “index plus spread” rate by an average of 62 bps. At March 31, 2016, we also had $3.1 billion of variable-rate consumer loans scheduled to reprice in the next six months. Of these variable-rate consumer loans approximately $0.7 billion were priced at floored rates, which were above the “index plus spread” rate by an average of 67 bps. See Notes 7 and 10 of the Notes to Consolidated Financial Statements for additional information regarding derivative instruments.

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 March 31, 2016, we had a relatively small amount, $66 million, of trading assets and $7 million of securities sold, not yet purchased, compared with $48 million and $30 million, at December 31, 2015.

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 accumulated other comprehensive income (“AOCI”) for each financial reporting period. During the first quarter of 2016, the after-tax change in AOCI attributable to AFS and HTM securities improved by $32 million, due largely to changes in the interest rate environment, compared to a $12 million improvement in the same prior year period.

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 FHLBs, 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 both direct and indirect investments in predominately pre-public companies through various SBIC venture capital funds. Our equity exposure to these investments was approximately $113 million at March 31, 2016 and December 31, 2015. On occasion, some of the companies within our SBIC investments may issue an initial public offering. In this case, the fund is generally subject to a lockout period before liquidating the investment which can introduce additional market risk. As of March 31, 2016 we had direct SBIC investments of approximately $22 million of publicly traded stocks.

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

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companies are typically not creditworthy. The carrying value of Amegy’s equity investments was $19 million at March 31, 2016 and $21 million at December 31, 2015.

These PEIs are subject to the provisions of the Dodd-Frank Act. The VR of the Dodd-Frank Act, as published in December 2013 and amended in January 2014, prohibits banks and bank holding companies from holding PEIs beyond July 21, 2016, as currently extended, except for SBIC funds. The FRB has announced its intention to grant an additional one-year extension to July 21, 2017. As of March 31, 2016, such prohibited PEIs amounted to $16 million, with an additional $6 million of unfunded commitments (see Notes 5 and 11 of the Notes to Consolidated Financial Statements for more information). We currently do not believe that this divestiture requirement will ultimately have a material impact 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.

Liquidity Risk Management

Liquidity risk is the possibility that our cash flows may not be adequate to fund our ongoing operations and meet our 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 our liquidity to provide adequate funds to meet our 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 bank.

Consolidated cash, interest-bearing deposits held as investments, and security resell agreements at the Parent and its subsidiaries decreased to $5.1 billion at March 31, 2016 from $7.4 billion at December 31, 2015. The $2.3 billion decrease during the first three months of 2016 resulted primarily from (1) an increase in investment securities, (2) net loan originations, and (3) a decrease in deposits. These decreases were partially offset by net cash provided by operating activities.

During the first three months of 2016, our investment securities increased by $1.2 billion. This increase was primarily due to an increase in the purchases of short-to-medium duration agency guaranteed mortgage-backed securities. We have been adding to our investment portfolio during the past several quarters to increase our permanent HQLA position in light of the new LCR rules and more broadly, to manage balance sheet liquidity more effectively. We expect to continue to deploy cash and short-term investments into HQLA in the next several quarters.

The Company has adopted policy limits that govern liquidity risk. The policy requires the Company to maintain a buffer of highly liquid assets sufficient to cover cash outflows as the result of a severe liquidity crisis. The Company targets a buffer of highly liquid assets at the Parent to cover 18-24 months of cash outflows under a scenario with limited cash inflows, and maintains a minimum policy limit of not less than 12 months. Throughout the first three months of 2016 and as of March 31, 2016, the Company complied with this policy.

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 LCR minimum liquidity measure established under the Basel III liquidity framework. Under this rule, we are 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. This rule became applicable to us on January 1, 2016. The Company exceeds the regulatory requirements of the Modified LCR that mandates a buffer of HQLA to cover 70% of 30-day cash outflows under the assumptions mandated in the Final Liquidity Rule. ZB, N.A. maintains a buffer of highly liquid assets consisting of cash, U.S. Agency, and U.S. Government Sponsored Entity securities to cover 30-day cash outflows under liquidity stress tests and maintains a contingency funding plan to identify funding sources that would be utilized over the extended 12-month horizon.

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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 over a one-year period 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. On May 3, 2016, the FRB issued a proposal requiring bank holding companies with less than $250 million of assets, but more than $50 billion of assets, to cover 70% of 1-year cash outflows under the assumptions required in the proposed NSFR Rule. Under the proposal, bank holding companies would be required to publicly disclose information about the NSFR levels each quarter. The proposal would be effective January 1, 2018. We continue to monitor this proposal and any other developments. Based on this Basel III publication and the FRB proposal, we believe we would meet the minimum NSFR if such requirement were currently effective.

We are required by the requirements of the Enhanced Prudent Standards for liquidity management (Reg. YY) to conduct monthly liquidity stress tests. These tests incorporate scenarios designed by us subject to review by the FRB. The Company’s internal liquidity stress testing program as contained in its policy complies with these requirements. Additionally, the Company performs monthly liquidity stress testing using a set of internally generated scenarios representing severe liquidity constraints over a 12-month horizon.

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 remained stable and were $0.8 billion at March 31, 2016 compared to $0.9 billion at December 31, 2015. This $0.1 billion decrease resulted primarily from interest payments and dividends on our common and preferred stock.

At March 31, 2016, the Parent’s long-term debt maturities during the remainder of 2016 consist of a senior note with a carrying value $89 million due on June 20, 2016. At March 31, 2016, maturities of our long-term senior and subordinated debt ranged from June 2016 to September 2028.

See “Capital Management” for discussion regarding the tender offer of $120 million for certain of the Company’s preferred stock.

During the first three months of 2016, the Parent did not receive dividends on its common or preferred stock. During the first three months of 2015, the Parent received $44 million from its subsidiaries for dividends on common stock and return of common equity and $10 million from dividends on preferred stock. At March 31, 2016, ZB, N.A. had approximately $494 million available for the payment of dividends under current capital regulations. The dividends that ZB, N.A. 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.

General financial market and economic conditions impact our 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 and ZB, N.A. did not change during the first three months of 2016, except Moody’s upgraded the Company’s outlook to positive from stable. Standard & Poor’s, Fitch, Dominion Bond Rating Service, 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 March 31, 2016, December 31, 2015, and March 31, 2015.

PARENT ONLY CONDENSED BALANCE SHEETS
(In thousands)	March 31, 2016			December 31, 2015			March 31, 2015
ASSETS
Cash and due from banks	$	20,011		$	18,375		$	22,864
Interest-bearing deposits	54,340			775,649			1,025,878
Security resell agreements	750,000			100,000			—
Investment securities:
Available-for-sale, at fair value	44,585			45,168			162,745
Other noninterest-bearing investments	29,840			28,178			31,471
Investments in subsidiaries:
Commercial banks and bank holding company	7,461,467			7,312,654			7,153,279
Other subsidiaries	80,488			84,010			93,125
Receivables from subsidiaries:
Other subsidiaries	60			60			23,060
Other assets	83,134			78,728			87,385
	$	8,523,925		$	8,442,822		$	8,599,807
LIABILITIES AND SHAREHOLDERS’ EQUITY
Other liabilities	$	96,609		$	123,849		$	84,670
Subordinated debt to affiliated trusts	164,950			164,950			168,043
Long-term debt:
Due to affiliates	—			—			250
Due to others	636,629			646,504			892,546
Total liabilities	898,188			935,303			1,145,509
Shareholders’ equity:
Preferred stock	828,490			828,490			1,004,032
Common stock	4,777,630			4,766,731			4,728,556
Retained earnings	2,031,270			1,966,910			1,836,619
Accumulated other comprehensive loss	(11,653		)	(54,612		)	(114,909		)
Total shareholders’ equity	7,625,737			7,507,519			7,454,298
	$	8,523,925		$	8,442,822		$	8,599,807

The Parent’s cash payments for interest, reflected in operating expenses, decreased to $6 million during the first three months of 2016 from $9 million during the first three months of 2015 due to the maturity and repayment of debt during 2015. Additionally, the Parent recorded approximately $25 million of total dividends on preferred stock and common stock for the first three months of 2016 compared to $24 million for the first three months of 2015.

Subsidiary Bank Liquidity

ZB, N.A.’s primary source of funding is its 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 increased to 83.0% at March 31, 2016, compared to 80.7% at December 31, 2015.

Total deposits decreased by $0.5 billion to $49.9 billion at March 31, 2016, compared to $50.4 billion at December 31, 2015, primarily as a result of a $0.4 billion decrease in noninterest-bearing demand deposits and a $74 million decrease in foreign deposits. This increase was partially offset by a $52 million decrease in savings and money market deposits. Also, during the first three months of 2016, ZB, N.A. redeployed approximately $1.2 billion of cash to short-to-medium duration agency guaranteed mortgage-backed securities. ZB, N.A.’s long-term senior debt ratings were the same as the Parent, except Standard & Poor’s was BBB and Kroll’s was BBB+, compared to BBB- for Standard & Poor’s and BBB for Kroll for the Company.

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. ZB, N.A. is a member of the FHLB of Des Moines. The FHLB

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allows member banks to borrow against their eligible loans to satisfy liquidity and funding requirements. The bank is required to invest in FHLB and Federal Reserve stock to maintain their borrowing capacity.

At March 31, 2016, the amount available for additional FHLB and Federal Reserve borrowings was approximately $17.1 billion, compared to $13.4 billion at December 31, 2015. Loans with a carrying value of approximately $25.3 billion at March 31, 2016 and $19.4 billion at December 31, 2015 have been pledged at the Federal Reserve and various the FHLB as collateral for current and potential borrowings. We had no long or short-term FHLB or Federal Reserve borrowings outstanding at March 31, 2016 or December 31, 2015. At March 31, 2016, our total investment in FHLB and Federal Reserve stock was $16 million and $181 million, respectively, compared to $68 million and $123 million at December 31, 2015.

Our investment activities can provide or use cash, depending on the asset liability management posture taken. During the first three months of 2016, HTM and AFS investment securities’ activities resulted in a net increase in investment securities and a net $1.1 billion decrease in cash, compared with a net $539 million decrease in cash for the first three months of 2015, reflecting our purchase of HQLAs.

Maturing balances in ZB, N.A.’s loan portfolios also provide additional flexibility in managing cash flows. Lending and purchase activity for the first three months of 2016 resulted in a net cash outflow of $808 million compared to a net cash outflow of $100 million for the first three months of 2015.

A more comprehensive discussion of liquidity management is contained in our 2015 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 our ongoing efforts to identify and manage operational risk, we have an ERM department whose responsibility is to help employees, management and the Board of Directors to assess, understand, measure, and monitor risk in accordance with our 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 our operational risk, we have 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 our systems or telecommunications, access customer data, and/or deny normal access to those systems to our 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.

We are continually improving our 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 enterprise management committees. The Operational Risk Committee reports to the ERMC, which reports to the ROC. Additional measures have been taken to increase oversight by ERM and Operational Risk Management through the strengthening of new product reviews, enhancements to the Vendor Management and Vendor Risk Management framework, enhancements to the Business Continuity and Disaster Recovery program, and the establishment of Fraud Risk Oversight, Incident Response Oversight and Technology Project Oversight programs. Significant enhancements have also been made to governance and reporting, including the establishment of Policy and Committee Governance programs and the creation of an Enterprise Risk Profile and Operational Risk Profile.

The number and sophistication of attempts to disrupt or penetrate our 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. We have

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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 (our related losses 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. We continue to review this area of our operations to help ensure that we manage 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.

Capital Plan and Stress Tests

As a bank holding company with assets greater than $50 billion, we are 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”). We timely submitted our 2016 capital plan and stress test results to the FRB on April 4, 2016. In our capital plan, we were required to forecast, under a variety of economic scenarios, for nine quarters ending the first quarter of 2018, our estimated regulatory capital ratios, including our Common Equity Tier 1 (“CET1”) ratio, under Basel III rules.

In addition, our Dodd-Frank Act mid-cycle stress test, based upon the Company’s June 30, 2016 financial position, is due on October 5, 2016. Our most recent completed mid-cycle stress test, submitted during the second quarter of 2015, demonstrated that we maintained 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 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. We anticipate that the FRB will opine on our capital plan towards the end of the second quarter.

On April 25, 2016, the Company launched a tender offer for up to $120 million par amount of certain outstanding shares of preferred stock. This $120 million is the remaining amount of the $300 million total reduction of preferred stock that was included in our 2015 capital plan, to which the Federal Reserve did not object.

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). Basel III requirements established a new comprehensive capital framework for U.S. banking organizations. 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 a “non-advanced approaches banking organization,” we made a one-time permanent election as of January 1, 2015 to continue to exclude these items, as allowed under the Basel III Capital Rules.

We met all capital adequacy requirements under the Basel III Capital Rules based upon phase-in rules as of March 31, 2016, and believe that we 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 9 in “Supervision and Regulation” under Part 1, Item 1 in our 2015 Annual Report on Form 10-K.

Capital Management Actions

Total shareholders’ equity increased by $118 million to $7.6 billion at March 31, 2016 from $7.5 billion at December 31, 2015. The increase in total shareholders’ equity is primarily due to net income of $90 million and to an improvement of $32 million in the fair value of the Company’s AFS securities portfolio due largely to changes in the interest rate environment, partially offset by $24 million of dividends recorded on preferred and common stock.

Our quarterly dividend on common stock remained at $0.06 per share during the first quarter of 2016. The dividend rate was increased to $0.06 per share during the second quarter of 2015 from $0.04 per share. We paid $12.4 million

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in dividends on common stock during the first three months of 2016 compared with $8.2 million during the first three months of 2015. During its April 2016 meeting, the Board of Directors declared a quarterly dividend of $0.06 per common share payable on May 26, 2016 to shareholders of record on May19, 2016.

We recorded dividends on preferred stock of $11.7 million and $16.7 million for the first three months of 2016 and 2015, respectively. Dividends on preferred stock recorded in the first three months of 2016 were $3.3 million lower than preferred stock dividends paid, while dividends on preferred stock recorded in the first three months of 2015 were $1.7 million higher than preferred stock dividends paid.

Capital Ratios

Banking organizations are required by capital regulations to maintain adequate levels of capital as measured by several regulatory capital ratios.

The following schedule shows the Company’s capital and performance ratios as of March 31, 2016, December 31, 2015, and March 31, 2015.

CAPITAL RATIOS

	March 31, 2016		December 31, 2015		March 31, 2015
Tangible common equity ratio	9.92	%	9.63	%	9.58	%
Tangible equity ratio	11.35	%	11.05	%	11.35	%
Average equity to average assets (three months ended)	12.95	%	12.93	%	13.04	%
Basel III risk-based capital ratios1:
Common equity tier 1 capital	12.13%		12.22%		11.95	%
Tier 1 leverage	11.44%		11.26%		11.75	%
Tier 1 risk-based	13.87%		14.08%		14.16	%
Total risk-based	15.97%		16.12%		16.22	%
Return on average common equity (three months ended)	4.67	%	5.17	%	4.77	%
Tangible return on average tangible common equity (three months ended)	5.59	%	6.20	%	5.80	%

¹  Basel III capital ratios became effective January 1, 2015 and are based on the applicable phase-in periods.

At March 31, 2016, Basel III regulatory tier 1 risk-based capital and total risk-based capital was $6.6 billion and $7.6 billion, respectively, compared to $6.6 billion and $7.5 billion, respectively as of December 31, 2015.

A more comprehensive discussion of our capital management is contained in our 2015 Annual Report on

Form 10-K.

GAAP to NON-GAAP RECONCILIATIONS

1. 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.

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

		Three Months Ended
(Amounts in thousands)		March 31, 2016			December 31, 2015			March 31, 2015
Net earnings applicable to common shareholders (GAAP)		$	78,777		$	88,197		$	75,279
Adjustment, net of tax:
Amortization of core deposit and other intangibles		1,249			1,446			1,496
Net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax (non-GAAP)	(a)	$	80,026		$	89,643		$	76,775
Average common equity (GAAP)		$	6,786,977		$	6,765,737		$	6,405,305
Average goodwill		(1,014,129		)	(1,014,129		)	(1,014,129		)
Average core deposit and other intangibles		(15,379		)	(17,453		)	(24,355		)
Average tangible common equity (non-GAAP)	(b)	$	5,757,469		$	5,734,155		$	5,366,821
Number of days in quarter	(c)	91			92			90
Number of days in year	(d)	366			365			365
Tangible return on average tangible common equity (non-GAAP)	(a/b/c)*d	5.59		%	6.20		%	5.80		%

2. 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.

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

(Amounts in thousands)		March 31, 2016			December 31, 2015			March 31, 2015
Total shareholders’ equity (GAAP)		$	7,625,737		$	7,507,519		$	7,454,298
Goodwill		(1,014,129		)	(1,014,129		)	(1,014,129		)
Core deposit and other intangibles		(14,259		)	(16,272		)	(23,162		)
Tangible equity (non-GAAP)	(a)	6,597,349			6,477,118			6,417,007
Preferred stock		(828,490		)	(828,490		)	(1,004,032		)
Tangible common equity (non-GAAP)	(b)	$	5,768,859		$	5,648,628		$	5,412,975
Total assets (GAAP)		$	59,179,913		$	59,664,543		$	57,550,232
Goodwill		(1,014,129		)	(1,014,129		)	(1,014,129		)
Core deposit and other intangibles		(14,259		)	(16,272		)	(23,162		)
Tangible assets (non-GAAP)	(c)	$	58,151,525		$	58,634,142		$	56,512,941
Common shares outstanding	(d)	204,544			204,417			203,193
Tangible equity ratio	(a/c)	11.35		%	11.05		%	11.35		%
Tangible common equity ratio	(b/c)	9.92		%	9.63		%	9.58		%
Tangible book value per common share	(b/d)	$	28.20		$	27.63		$	26.64

85

ZIONS BANCORPORATION AND SUBSIDIARIES

3. Efficiency ratio and adjusted pre-provision net revenue

This Form 10-Q presents calculations of “efficiency ratio” and adjusted PPNR that include adjustments for certain line items and amounts 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) and adjusted PPNR (non-GAAP). The schedule also shows the efficiency ratio and adjusted PPNR for six month periods, in addition to the three month periods, in order to illustrate the trend over longer periods as quarterly fluctuations may not be reflective of the prevailing trend, while yearly results may not accurately reflect the pace of change.

EFFICIENCY RATIO AND ADJUSTED PRE-PROVISION NET REVENUE

(Amounts in thousands)		Three Months Ended									Six Months Ended
		March 31, 2016			December 31, 2015			March 31, 2015			March 31, 2016			December 31, 2015			March 31, 2015
Noninterest expense (GAAP)	(a)	$	395,573		$	397,353		$	392,977		$	792,926		$	391,280		$	815,643
Adjustments:
Severance costs		3,471			3,581			2,253			7,052			3,464			4,000
Other real estate expense, net		(1,329		)	(536		)	374			(1,865		)	(40		)	(3,093		)
Provision for unfunded lending commitments		(5,812		)	(6,551		)	1,211			(12,363		)	1,428			2,910
Debt extinguishment cost		247			135			—			382			—			—
Amortization of core deposit and other intangibles		2,014			2,273			2,358			4,287			2,298			4,998
Restructuring costs		996			777			766			1,773			1,630			766
Total adjustments	(b)	(413		)	(321		)	6,962			(734		)	8,780			9,581
Adjusted noninterest expense (non-GAAP)	(a-b)=(c)	$	395,986		$	397,674		$	386,015		$	793,660		$	382,500		$	806,062
Taxable-equivalent net interest income (GAAP)	(d)	$	458,242		$	453,780		$	421,581		$	912,022		$	429,782		$	856,370
Noninterest income (GAAP)	(e)	116,761			118,641			117,338			235,402			125,944			246,734
Combined income	(d+e)=(f)	575,003			572,421			538,919			1,147,424			555,726			1,103,104
Adjustments:
Fair value and nonhedge derivative income (loss)		(2,585		)	688			(1,088		)	(1,897		)	(1,555		)	(2,049		)
Equity securities gains (loss), net		(550		)	53			3,353			(497		)	3,630			12,959
Fixed income securities gains (losses), net		28			(7		)	(239		)	21			(53		)	(11,859		)
Total adjustments	(g)	(3,107		)	734			2,026			(2,373		)	2,022			(949		)
Adjusted taxable-equivalent revenue (non-GAAP)	(f-g)=(h)	$	578,110		$	571,687		$	536,893		$	1,149,797		$	553,704		$	1,104,053
Adjusted pre-provision net revenue (PPNR)	(h-c)=(i)	$	182,124		$	174,013		$	150,878		$	356,137		$	171,204		$	297,991
Efficiency ratio 1	(c/h)	68.5		%	69.6		%	71.9		%	69.0		%	69.1		%	73.0		%

¹During the first quarter of 2016, we reclassified bankcard rewards expense from non-interest expense into non-interest income in order to offset the associated revenue (interchange fees) to align with industry practice. This reclassification within other service charges, commission and fees lowered noninterest income in the first quarter of 2016 (and also decreased other noninterest expense by the same amount). For comparative purposes we also adjusted prior period amounts. This reclassification had no impact on net income.

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 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

86

ZIONS BANCORPORATION AND SUBSIDIARIES

regulators, investors, and analysts in analyzing our operating results or financial position 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 our 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 our performance 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 us, and they are closely monitored as previously discussed. A discussion regarding our 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 March 31, 2016. 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 March 31, 2016. There were no changes in the Company’s internal control over financial reporting during the first quarter of 2016 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

We believe there have been no material changes in the risk factors included in Zions Bancorporation’s 2015 Annual Report on Form 10-K.

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

The following schedule summarizes the Company’s share repurchases for the first quarter of 2016:

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
January		33,202	$	21.43		—		$	—
February		1,403	21.65			—		—
March		544	23.66			—		—
First quarter		35,149	21.48			—

¹  Represents common shares acquired from employees in connection with our stock compensation plan. Shares were acquired from employees to pay for their payroll taxes and stock option exercise cost 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.

87

ZIONS BANCORPORATION AND SUBSIDIARIES

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 March 31, 2016 and December 31, 2015, (ii) the Consolidated Statements of Income for the three months ended March 31, 2016 and March 31, 2015, (iii) the Consolidated Statements of Comprehensive Income for the three months ended March 31, 2016 and March 31, 2015, (iv) the Consolidated Statements of Changes in Shareholders’ Equity for the three months ended March 31, 2016 and March 31, 2015, (v) the Consolidated Statements of Cash Flows for the three months ended March 31, 2016 and March 31, 2015, and (vi) the Notes to Consolidated Financial Statements (filed herewith).

* Incorporated by reference

88

ZIONS BANCORPORATION AND SUBSIDIARIES

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: May 9, 2016

89

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: May 9, 2016

/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: May 9, 2016

/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 March 31, 2016 (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: May 9, 2016

/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

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2016	Apr. 29, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2016
Document Fiscal Period Focus	Q1
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		204,623,502

XML

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 517,803	$ 798,319
Money market investments:
Interest-bearing deposits	3,039,090	6,108,124
Federal funds sold and security resell agreements	1,587,212	619,758
Investment securities:
Available-for-sale, at fair value	8,701,885	7,643,116
Trading account, at fair value	65,838	48,168
Loans held for sale	108,764	149,880
Marketable securities, total	9,399,369	8,236,932
Loans and leases, net of unearned income and fees:
Loans and leases receivable, net of unearned income and fees	41,418,185	40,649,542
Less allowance for loan losses	611,894	606,048
Loans, net of allowance	40,806,291	40,043,494
Other noninterest-bearing investments	855,813	848,144
Premises and equipment, net	925,430	905,462
Goodwill	1,014,129	1,014,129
Core deposit and other intangibles	14,259	16,272
Other Real Estate, Foreclosed Assets, and Repossessed Assets	10,411	7,092
Other assets	901,342	916,937
Total assets	59,179,913	59,664,543
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing demand	21,872,274	22,276,664
Interest-bearing:
Deposits, Savings Deposits	25,723,996	25,672,356
Total deposits	49,887,857	50,374,091
Federal funds and other short-term borrowings	232,188	346,987
Long-term debt	802,448	812,366
Reserve for unfunded lending commitments	69,026	74,838
Other liabilities	562,657	548,742
Total liabilities	51,554,176	52,157,024
Shareholders' equity:
Preferred stock, without par value, authorized 4,400,000 shares	828,490	828,490
Common stock, without par value; authorized 350,000,000 shares; issued and outstanding 204,543,707 and 204,417,093 shares	4,777,630	4,766,731
Retained earnings	2,031,270	1,966,910
Accumulated other comprehensive income (loss)	(11,653)	(54,612)
Total shareholders' equity	7,625,737	7,507,519
Total liabilities and shareholders' equity	59,179,913	59,664,543
Reported Value Measurement [Member]
Investment securities:
Held-to-maturity, at amortized cost (approximate fair value $636,484 and $552,088)	631,646	545,648
Interest-bearing:
Time	2,071,688	2,130,680
Foreign	219,899	294,391
Long-term debt	$ 802,448	$ 812,366

XML

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Preferred stock, authorized shares	4,400,000	4,400,000
Common stock, authorized shares	350,000,000	350,000,000
Common stock, issued shares	204,543,707	204,417,093
Common stock, outstanding shares	204,543,707	204,417,093
Estimate of Fair Value Measurement [Member]
Held-to-maturity, fair value	$ 636,484	$ 552,088

XML

Consolidated Statements Of Income - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest income:
Interest and fees on loans	$ 420,508	$ 415,755
Interest on money market investments	7,029	5,218
Interest on Securities	47,364	27,473
Interest on securities:
Interest and Dividend Income, Operating	474,901	448,446
Interest expense:
Interest on deposits	11,845	12,104
Interest on short- and long-term borrowings	10,214	18,996
Total interest expense	22,059	31,100
Net interest income	452,842	417,346
Provision for loan losses	42,145	(1,494)
Net interest income after provision for loan losses	410,697	418,840
Noninterest income:
Service charges and fees on deposit accounts	41,261	41,194
Other service charges, commissions and fees	49,474	43,002
Wealth management income	7,954	7,615
Loan sales and servicing income	7,979	7,706
Capital markets and foreign exchange	5,667	5,501
Dividends and other investment income	4,639	9,372
Fair value and nonhedge derivative income (loss)	(2,585)	(1,088)
Equity securities gains (losses), net	(550)	3,353
Fixed income securities gains (losses), net	28	(239)
Other	2,894	922
Total noninterest income	116,761	117,338
Noninterest expense:
Salaries and employee benefits	258,338	243,519
Occupancy, net	29,779	29,339
Furniture, equipment and software	32,015	29,713
Other real estate expense, net	(1,329)	374
Credit-related expense	5,934	5,939
Provision for Unfunded Lending Commitments	5,812	(1,211)
Professional and legal services	11,471	11,483
Advertising	5,628	6,975
FDIC premiums	7,154	8,119
Amortization of core deposit and other intangibles	2,014	2,358
Debt extinguishment cost	247	0
Other	50,134	53,947
Total noninterest expense	395,573	392,977
Income before income taxes	131,885	143,201
Income taxes	41,448	51,176
Net income	90,437	92,025
Dividends on preferred stock	(11,660)	(16,746)
Net earnings applicable to common shareholders	$ 78,777	$ 75,279
Weighted average common shares outstanding during the period:
Basic shares	203,967	202,603
Diluted shares	204,096	202,944
Net earnings per common share:
Basic	$ 0.38	$ 0.37
Diluted	$ 0.38	$ 0.37

XML

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Net income for the period	$ 90,437	$ 92,025
Other comprehensive income, net of tax:
Unrealized holding gains on investment securities	32,168	486
Reclassification of HTM securities to AFS Securities	0	10,938
Reclassification to earnings for realized net fixed income securities losses (gains)	(17)	148
Net unrealized gains (losses) on other noninterest-bearing investments	430	(364)
Net unrealized holding gains on derivative instruments	12,901	2,553
Reclassification adjustment for increase in interest income recognized in earnings on derivatives instruments	(1,858)	(629)
Pension and Postretirement	665	0
Other comprehensive income	42,959	13,132
Comprehensive income	133,396	105,157
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Other comprehensive income, net of tax:
Other comprehensive income	$ (665)	$ 0

XML

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, 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	92,025			92,025
Other comprehensive income, net of tax	13,132				13,132
Subordinated debt converted to preferred stock	15	$ 21	$ (6)
Net activity under employee plans and related tax benefits	4,707		$ 4,707
Net activity under employee plans and related tax benefits, shares			178,088
Dividends on preferred stock	(16,746)			(16,746)
Dividends on common stock	(8,176)			(8,176)
Change in deferred compensation	(189)			(189)
Balance at Mar. 31, 2015	7,454,298	$ 1,004,032	$ 4,728,556	1,836,619	(114,909)
Balance (in shares) at Mar. 31, 2015			203,192,991
Balance at Dec. 31, 2015	$ 7,507,519	828,490	$ 4,766,731	1,966,910	(54,612)
Balance (in shares) at Dec. 31, 2015	204,417,093		204,417,093
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 90,437			90,437
Other comprehensive income, net of tax	42,959				42,959
Net activity under employee plans and related tax benefits	10,899		$ 10,899
Net activity under employee plans and related tax benefits, shares			126,614
Dividends on preferred stock	(11,660)			(11,660)
Dividends on common stock	(12,350)			(12,350)
Change in deferred compensation	(2,067)			(2,067)
Balance at Mar. 31, 2016	$ 7,625,737	$ 828,490	$ 4,777,630	$ 2,031,270	$ (11,653)
Balance (in shares) at Mar. 31, 2016	204,543,707		204,543,707

XML

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Dividends on common stock, per share	$ 0.06	$ 0.04

XML

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$ 90,437	$ 92,025
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	36,333	(283)
Depreciation and amortization	40,736	34,169
Fixed income securities losses (gains), net	(28)	239
Deferred income tax expense (benefit)	(4,680)	3,402
Net increase in trading securities	(17,670)	(1,021)
Net decrease in loans held for sale	38,566	3,517
Change in other liabilities	17,770	25,566
Change in other assets	7,301	(65,248)
Other, net	13,997	(3,549)
Net cash provided by operating activities	222,762	88,817
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in money market investments	2,101,580	253,274
Proceeds from maturities and paydowns of investment securities held-to-maturity	22,036	39,323
Purchases of investment securities held-to-maturity	(108,141)	(22,576)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	2,098,526	228,894
Purchases of investment securities available-for-sale	(3,123,244)	(784,856)
Net change in loans and leases	(808,358)	(100,442)
Purchases of premises and equipment	(40,015)	(33,533)
Proceeds from sales of other real estate owned	4,304	3,401
Other, net	(10,565)	3,351
Net cash provided by (used in) investing activities	136,123	(413,164)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	(486,234)	275,285
Net change in short-term funds borrowed	(114,799)	(40,626)
Repayments of long-term debt	(10,636)	(8,185)
Proceeds from issuances of common stock	538	962
Dividends paid on common and preferred stock	(27,421)	(23,234)
Other, net	(849)	(939)
Net cash provided by (used in) financing activities	(639,401)	203,263
Net decrease in cash and due from banks	(280,516)	(121,084)
Cash and due from banks at beginning of period	798,319	841,942
Cash and due from banks at end of period	517,803	720,858
Cash paid for interest	18,430	22,119
Net refunds received for income taxes	$ (84)	$ (500)

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Basis of Presentaion

3 Months Ended

Mar. 31, 2016

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”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”).

Operating results for the three months endedMarch 31, 2016 and 2015 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2015 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 2015 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation is a financial holding company headquartered in Salt Lake City, Utah, and with its subsidiaries, provides a full range of banking and related services. Following the close of business on December 31, 2015, the Company completed the merger of its subsidiary banks and other subsidiaries into a single bank, ZB, N.A. The Company continues to manage its banking operations through seven separately managed and branded segments in 11 Western and Southwestern states as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), 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. Pursuant to a Board resolution adopted November 21, 2014, The Commerce Bank of Oregon merged into TCBW following the close of business on March 31, 2015.

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Certain Recent Accounting Pronouncements (Notes)

3 Months Ended

Mar. 31, 2016

Certain Recent Accounting Pronouncements [Abstract]

Certain Recent Accounting Pronouncements [Text Block]

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 2016-09, Stock Compensation (Topic 718), Improvements to Share-Based Payment Accounting	The standard requires entities to recognize the income tax effects of share-based payment awards in the income statement when the awards vest or are settled (i.e. the additional paid-in capital pools will be eliminated). The guidance on employers’ accounting for an employee’s use of shares to satisfy the employer’s statutory income tax withholding obligation and for forfeitures is changing. The standard also provides an entity to make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest or account for forfeitures when they occur.	January 1, 2017	We are currently evaluating the potential impact of this new guidance on the Company’s financial statements.
ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities	The standard provides revised accounting guidance related to the accounting for and reporting of financial instruments. Some of the main provisions include: – Equity investments that do not result in consolidation and are not accounted for under the equity method would be measured at fair value through net income, unless they qualify for the proposed practicability exception for investments that do not have readily determinable fair values. – Changes in instrument-specific credit risk for financial liabilities that are measured under the fair value option would be recognized in other comprehensive income. – Elimination of the requirement to disclose the methods and significant assumptions used to estimate the fair value of financial instruments carried at amortized cost. However it will require the use of exit price when measuring the fair value of financial instruments measured at amortized cost for disclosure purposes.	January 1, 2018	We do not currently 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) ASU 2016-08, Revenue from Contracts with Customers (Topic 606), Principal vs. Agent Considerations (Reporting Revenue Gross versus Net)	The core principle of the new guidance 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, these new standards affect 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 of the guidance is permitted as of January 1, 2017.	January 1, 2018, as extended in August 2015 by ASU 2015-14	While we currently do not expect these standards will have a material impact on the Company’s financial statements, we are still in process of conducting our evaluation.

ASU 2016-02,
Leases (Topic 842) The standard requires that a lessee recognize assets and liabilities for leases with lease terms of more than 12 months. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee primarily will depend on its classification as a finance or operating lease. However, the standard will require both types of leases to be recognized on the balance sheet. It also requires disclosures to better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the financial statements. January 1, 2019 We are currently evaluating the potential impact of this new guidance on the Company’s financial statements.

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Company
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 for 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.	January 1, 2016	We currently do not consolidate any VIEs and our adoption of this standard did not have a material impact 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.	January 1, 2016	Our adoption of this standard did not have a material impact on the accompanying financial statements.
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.	January 1, 2016	We adopted this standard on a prospective basis and it did not have a material impact on the accompanying financial statements.
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.	January 1, 2016	Our adoption of this standard did not have a material impact on the accompanying financial statements.

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Supplemental Cash Flow Information

3 Months Ended

Mar. 31, 2016

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 March 31,
	2016		2015
Loans and leases transferred to other real estate owned	$	5,998	$	3,568
Loans held for sale reclassified as loans held for investment	1,976		13,138
Amortized cost of HTM securities reclassified as AFS securities	—		79,276

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Offsetting Assets and Liabilities (Notes)

3 Months Ended

Mar. 31, 2016

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:

	March 31, 2016
(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	$	1,587,212	$	—	$	1,587,212	$	—		$	—		$	1,587,212
Derivatives (included in other assets)	125,363		—		125,363		(22,322		)	—			103,041
	$	1,712,575	$	—	$	1,712,575	$	(22,322	)	$	—		$	1,690,253
Liabilities:
Federal funds and other short-term borrowings	$	232,188	$	—	$	232,188	$	—		$	—		$	232,188
Derivatives (included in other liabilities)	104,469		—		104,469		(22,322		)	(71,149		)	10,998
	$	336,657	$	—	$	336,657	$	(22,322	)	$	(71,149	)	$	243,186

	December 31, 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	$	619,758	$	—	$	619,758	$	—		$	—		$	619,758
Derivatives (included in other assets)	77,638		—		77,638		(5,916		)				71,722
	$	697,396	$	—	$	697,396	$	(5,916	)	$	—		$	691,480
Liabilities:
Federal funds and other short-term borrowings	$	346,987	$	—	$	346,987	$	—		$	—		$	346,987
Derivatives (included in other liabilities)	72,568		—		72,568		(5,916		)	(61,134		)	5,518
	$	419,555	$	—	$	419,555	$	(5,916	)	$	(61,134	)	$	352,505

Security repurchase and reverse repurchase (“resell”) 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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Investment Securities

3 Months Ended

Mar. 31, 2016

Investments [Abstract]

Investment Securities

INVESTMENTS

Investment Securities

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

	March 31, 2016
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	631,646	$	11,519	$	6,681	$	636,484
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,497,652		14,055		856		1,510,851
Agency guaranteed mortgage-backed securities	4,487,279		17,801		9,091		4,495,989
Small Business Administration loan-backed securities	2,019,668		14,480		13,321		2,020,827
Municipal securities	552,872		4,391		1,190		556,073
Other debt securities	25,434		147		3,672		21,909
	8,582,905		50,874		28,130		8,605,649
Money market mutual funds and other	96,132		104		—		96,236
	8,679,037		50,978		28,130		8,701,885
Total	$	9,310,683	$	62,497	$	34,811	$	9,338,369

	December 31, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	545,648	$	11,218	$	4,778	$	552,088
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,231,740		4,313		2,658		1,233,395
Agency guaranteed mortgage-backed securities	3,964,593		7,919		36,037		3,936,475
Small Business Administration loan-backed securities	1,932,817		12,602		14,445		1,930,974
Municipal securities	417,374		2,177		856		418,695
Other debt securities	25,454		152		2,665		22,941
	7,571,978		27,163		56,661		7,542,480
Money market mutual funds and other	100,612		61		37		100,636
	7,672,590		27,224		56,698		7,643,116
Total	$	8,218,238	$	38,442	$	61,476	$	8,195,204

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. 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.

Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of March 31, 2016 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	$	69,225	$	69,515	$	1,187,108	$	1,189,787
Principal return after one year through five years	238,605		242,328		3,483,268		3,491,732
Principal return after five years through ten years	203,989		207,198		2,769,584		2,781,632
Principal return after ten years	119,827		117,443		1,142,945		1,142,498
	$	631,646	$	636,484	$	8,582,905	$	8,605,649

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:

	March 31, 2016
	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	$	5,952	$	193,737	$	729	$	12,480	$	6,681	$	206,217
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	312		299,591		544		129,191		856		428,782
Agency guaranteed mortgage-backed securities	6,836		1,707,106		2,255		149,293		9,091		1,856,399
Small Business Administration loan-backed securities	4,549		539,651		8,772		528,850		13,321		1,068,501
Municipal securities	935		140,612		255		14,231		1,190		154,843
Other	—		—		3,672		11,331		3,672		11,331
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Mutual funds and other	—		—		—		—		—		—
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Total	$	18,584	$	2,880,697	$	16,227	$	845,376	$	34,811	$	3,726,073

	December 31, 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	$	4,521	$	122,197	$	257	$	13,812	$	4,778	$	136,009
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2,176		559,196		482		131,615		2,658		690,811
Agency guaranteed mortgage-backed securities	34,583		3,639,824		1,454		65,071		36,037		3,704,895
Small Business Administration loan-backed securities	5,348		567,365		9,097		535,376		14,445		1,102,741
Municipal securities	735		102,901		121		5,733		856		108,634
Other	—		—		2,665		12,337		2,665		12,337
	42,842		4,869,286		13,819		750,132		56,661		5,619,418
Mutual funds and other	37		35,488		—		—		37		35,488
	42,879		4,904,774		13,819		750,132		56,698		5,654,906
Total	$	47,400	$	5,026,971	$	14,076	$	763,944	$	61,476	$	5,790,915

At March 31, 2016 and December 31, 2015, respectively, 157 and 187 HTM and 684 and 709 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 other comprehensive income (“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 2015 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 March 31, 2016:

OTTI – U.S. Government Agencies and Corporations

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 (“FNMA”), or the Federal Home Loan Mortgage Corporation (“FHLMC”). 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 March 31, 2016, 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 2016.

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 March 31, 2016, 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 first quarter of 2016.

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

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	HTM		AFS		Total		HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	—	$	—	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		—		—		—			1,313			1,313
Reclassification of securities from HTM to AFS	—		—		—		9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—	$	—	$	—		$	(103,238	)	$	(103,238	)

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

	Three Months Ended
	March 31, 2016					March 31, 2015
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	1	$	—
Available-for-sale	30		2			958		1,198
Other noninterest-bearing investments	3,187		3,737			3,595		242
	3,217		3,739			4,554		1,440
Net gains (losses)			$	(522	)			$	3,114
Statement of income information:
Equity securities gains (losses), net			$	(550	)			$	3,353
Fixed income securities gains (losses), net			28					(239		)
Net gains (losses)			$	(522	)			$	3,114

Interest income by security type is as follows:

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2,604	$	2,726	$	5,330	$	3,592	$	2,862	$	6,454
Available-for-sale	39,607		1,955		41,562		19,768		653		20,421
Trading	472		—		472		598		—		598
	$	42,683	$	4,681	$	47,364	$	23,958	$	3,515	$	27,473

Investment securities with a carrying value of $2.0 billion at March 31, 2016 and $2.3 billion at December 31, 2015 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 Volcker Rule (“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. Following the sales of its CDO securities, the only prohibited investments under the VR requiring divestiture by the Company were certain of its PEIs. Of the recorded PEIs of $134 million at March 31, 2016, approximately $16 million remain prohibited by the VR.

For the first quarter of 2016, we did not sell any PEIs. We sold a total of approximately $9 million of PEIs during 2015. 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 $16 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 grant banking entities an additional one-year extension to July 21, 2017. See other discussions in Notes 10 and 11.

As discussed in Note 11, we have $20 million at March 31, 2016 of unfunded commitments for PEIs, of which approximately $6 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

3 Months Ended

Mar. 31, 2016

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)	March 31, 2016		December 31, 2015
Loans held for sale	$	108,764	$	149,880
Commercial:
Commercial and industrial	$	13,590,238	$	13,211,481
Leasing	437,150		441,666
Owner occupied	7,022,429		7,150,028
Municipal	695,436		675,839
Total commercial	21,745,253		21,479,014
Commercial real estate:
Construction and land development	1,967,702		1,841,502
Term	8,826,375		8,514,401
Total commercial real estate	10,794,077		10,355,903
Consumer:
Home equity credit line	2,432,632		2,416,357
1-4 family residential	5,417,810		5,382,099
Construction and other consumer real estate	401,422		385,240
Bankcard and other revolving plans	438,540		443,780
Other	188,451		187,149
Total consumer	8,878,855		8,814,625
Total loans	$	41,418,185	$	40,649,542

Loan balances are presented net of unearned income and fees, which amounted to $148.5 million at March 31, 2016 and $150.3 million at December 31, 2015.

Owner occupied and commercial real estate (“CRE”) loans include unamortized premiums of approximately $24.9 million at March 31, 2016 and $26.2 million at December 31, 2015.

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 $286.8 million at March 31, 2016 and $288.0 million at December 31, 2015.

Loans with a carrying value of approximately $25.3 billion at March 31, 2016 and $19.4 billion at December 31, 2015 have been pledged at the Federal Reserve and various Federal Home Loan Banks (“FHLBs”) as collateral for potential borrowings.

We sold loans totaling $273.2 million and $300.4 million for the three months endedMarch 31, 2016 and 2015, 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. Amounts added to loans held for sale during these periods were $235.7 million and $309.7 million, respectively.

The principal balance of sold loans for which we retain servicing was approximately $1.3 billion at both March 31, 2016 and December 31, 2015. Income from loans sold, excluding servicing, for the three months endedMarch 31, 2016 and 2015 was $3.0 million and $4.6 million, respectively.

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 and CRE 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 loan portfolio. The methodology for impaired loans is discussed subsequently. For commercial and CRE loans with commitments equal to or greater than $750,000, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators discussed subsequently are based on this grading system. Estimated losses for these commercial and CRE loans are derived from a statistical analysis of our historical default and loss given default (“LGD”) experience over the period of January 2008 through the most recent full quarter.

For consumer and small commercial and CRE loans with commitments less than $750,000, we primarily use roll rate models to forecast probable inherent losses. Roll rate models measure the rate at which these loans migrate from one delinquency category to the next worse delinquency category, and eventually to loss. We estimate roll rates for these loans using recent delinquency and loss experience by segmenting our loan portfolios 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.

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:

• Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices

• Changes in international, national, regional, and local economic and business conditions

• Changes in the nature and volume of the portfolio and in the terms of loans

• Changes in the experience, ability, and depth of lending management and other relevant staff

• Changes in the volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans

• Changes in the quality of the loan review system

• Changes in the value of underlying collateral for collateral-dependent loans

• The existence and effect of any concentration of credit, and changes in the level of such concentrations

• The effect of other external factors such as competition and legal and regulatory requirements

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 ACL Assumptions

During the first quarter of 2016, due to the consolidation of our separate banking charters, we enhanced our methodology to estimate the ACL on a Company-wide basis. As described previously, for large commercial and CRE loans, we began estimating historic loss factors by separately calculating historic default and LGD rates, instead of directly calculating loss rates for groupings of probability of default and LGD grades using a loss migration approach. For small commercial and CRE loans, we began using roll rate models to forecast probable inherent losses. For consumer loans, we began pooling loans by current loan-to-value, where applicable. The impact of these changes was largely neutral to the total ACL at March 31, 2016.

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2016
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	454,277		$	113,992		$	37,779		$	606,048
Additions:
Provision for loan losses	45,875			1,701			(5,431		)	42,145
Adjustment for FDIC-supported/PCI loans	—			—			—			—
Deductions:
Gross loan and lease charge-offs	(43,230		)	(975		)	(3,905		)	(48,110		)
Recoveries	7,065			2,994			1,752			11,811
Net loan and lease charge-offs	(36,165		)	2,019			(2,153		)	(36,299		)
Balance at end of period	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments
Balance at beginning of period	$	57,696		$	16,526		$	616		$	74,838
Provision credited to earnings	(1,429		)	(3,767		)	(616		)	(5,812		)
Balance at end of period	$	56,267		$	12,759		$	—		$	69,026
Total allowance for credit losses at end of period
Allowance for loan losses	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments	56,267			12,759			—			69,026
Total allowance for credit losses	$	520,254		$	130,471		$	30,195		$	680,920

	Three Months Ended March 31, 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	24,934			(26,887		)	459			(1,494		)
Adjustment for FDIC-supported/PCI loans	(38		)							(38		)
Deductions:
Gross loan and lease charge-offs	(15,951		)	(626		)	(3,611		)	(20,188		)
Recoveries	20,613			14,119			2,338			37,070
Net loan and lease charge-offs	4,662			13,493			(1,273		)	16,882
Balance at end of period	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	3,844			(2,580		)	(53		)	1,211
Balance at end of period	$	62,775		$	18,937		$	575		$	82,287
Total allowance for credit losses at end of period
Allowance for loan losses	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments	62,775			18,937			575			82,287
Total allowance for credit losses	$	504,847		$	150,552		$	46,901		$	702,300

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	March 31, 2016
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	76,987	$	3,047	$	7,230	$	87,264
Collectively evaluated for impairment	386,943		114,448		22,882		524,273
Purchased loans with evidence of credit deterioration	57		217		83		357
Total	$	463,987	$	117,712	$	30,195	$	611,894
Outstanding loan balances:
Individually evaluated for impairment	$	477,363	$	95,784	$	86,957	$	660,104
Collectively evaluated for impairment	21,219,580		10,649,342		8,782,839		40,651,761
Purchased loans with evidence of credit deterioration	48,310		48,951		9,059		106,320
Total	$	21,745,253	$	10,794,077	$	8,878,855	$	41,418,185

	December 31, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	36,909	$	3,154	$	9,462	$	49,525
Collectively evaluated for impairment	417,295		110,417		27,866		555,578
Purchased loans with evidence of credit deterioration	73		421		451		945
Total	$	454,277	$	113,992	$	37,779	$	606,048
Outstanding loan balances:
Individually evaluated for impairment	$	289,629	$	107,341	$	92,605	$	489,575
Collectively evaluated for impairment	21,129,125		10,193,840		8,712,079		40,035,044
Purchased loans with evidence of credit deterioration	60,260		54,722		9,941		124,923
Total	$	21,479,014	$	10,355,903	$	8,814,625	$	40,649,542

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)	March 31, 2016		December 31, 2015
Commercial:
Commercial and industrial	$	356,034	$	163,906
Leasing	14,107		3,829
Owner occupied	74,369		73,881
Municipal	926		951
Total commercial	445,436		242,567
Commercial real estate:
Construction and land development	6,152		7,045
Term	33,051		40,253
Total commercial real estate	39,203		47,298
Consumer:
Home equity credit line	10,700		8,270
1-4 family residential	43,791		50,254
Construction and other consumer real estate	645		748
Bankcard and other revolving plans	1,791		537
Other	202		186
Total consumer loans	57,129		59,995
Total	$	541,768	$	349,860

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2016
(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	$	13,464,106	$	90,610	$	35,522	$	126,132	$	13,590,238	$	4,388	$	287,662
Leasing	436,597		59		494		553		437,150		—		13,613
Owner occupied	6,965,082		21,987		35,360		57,347		7,022,429		13,350		46,289
Municipal	695,436		—		—		—		695,436		—		926
Total commercial	21,561,221		112,656		71,376		184,032		21,745,253		17,738		348,490
Commercial real estate:
Construction and land development	1,960,562		2,573		4,567		7,140		1,967,702		—		1,533
Term	8,782,301		10,173		33,901		44,074		8,826,375		18,295		15,791
Total commercial real estate	10,742,863		12,746		38,468		51,214		10,794,077		18,295		17,324
Consumer:
Home equity credit line	2,420,364		7,015		5,253		12,268		2,432,632		—		4,604
1-4 family residential	5,386,087		10,617		21,106		31,723		5,417,810		321		20,131
Construction and other consumer real estate	397,809		3,365		248		3,613		401,422		—		355
Bankcard and other revolving plans	435,092		2,241		1,207		3,448		438,540		848		1,340
Other	187,760		630		61		691		188,451		—		78
Total consumer loans	8,827,112		23,868		27,875		51,743		8,878,855		1,169		26,508
Total	$	41,131,196	$	149,270	$	137,719	$	286,989	$	41,418,185	$	37,202	$	392,322

	December 31, 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	$	13,114,045	$	60,523	$	36,913	$	97,436	$	13,211,481	$	3,065	$	117,942
Leasing	440,963		183		520		703		441,666		—		3,309
Owner occupied	7,085,086		37,776		27,166		64,942		7,150,028		3,626		43,984
Municipal	668,207		7,586		46		7,632		675,839		46		951
Total commercial	21,308,301		106,068		64,645		170,713		21,479,014		6,737		166,186
Commercial real estate:
Construction and land development	1,835,360		842		5,300		6,142		1,841,502		—		1,745
Term	8,469,390		10,424		34,587		45,011		8,514,401		21,697		24,867
Total commercial real estate	10,304,750		11,266		39,887		51,153		10,355,903		21,697		26,612
Consumer:
Home equity credit line	2,407,972		4,717		3,668		8,385		2,416,357		—		3,053
1-4 family residential	5,340,549		14,828		26,722		41,550		5,382,099		1,036		20,939
Construction and other consumer real estate	374,987		8,593		1,660		10,253		385,240		1,337		408
Bankcard and other revolving plans	440,358		1,861		1,561		3,422		443,780		1,217		146
Other	186,436		647		66		713		187,149		—		83
Total consumer loans	8,750,302		30,646		33,677		64,323		8,814,625		3,590		24,629
Total	$	40,363,353	$	147,980	$	138,209	$	286,189	$	40,649,542	$	32,024	$	217,427

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 experience and 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 and certain small commercial and CRE loans with commitments 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:

	March 31, 2016
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,245,903	$	390,768	$	953,316	$	251	$	13,590,238
Leasing	402,160		7,106		27,884		—		437,150
Owner occupied	6,577,162		156,723		288,544		—		7,022,429
Municipal	678,377		7,888		9,171		—		695,436
Total commercial	19,903,602		562,485		1,278,915		251		21,745,253		$	463,987
Commercial real estate:
Construction and land development	1,921,338		14,540		31,824		—		1,967,702
Term	8,634,484		41,331		150,560		—		8,826,375
Total commercial real estate	10,555,822		55,871		182,384		—		10,794,077		117,712
Consumer:
Home equity credit line	2,418,415		—		14,217		—		2,432,632
1-4 family residential	5,368,085		—		49,725		—		5,417,810
Construction and other consumer real estate	399,765		—		1,657		—		401,422
Bankcard and other revolving plans	433,989		—		4,551		—		438,540
Other	188,099		—		352		—		188,451
Total consumer loans	8,808,353		—		70,502		—		8,878,855		30,195
Total	$	39,267,777	$	618,356	$	1,531,801	$	251	$	41,418,185	$	611,894

	December 31, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,007,076	$	399,847	$	804,403	$	155	$	13,211,481
Leasing	411,131		5,166		25,369		—		441,666
Owner occupied	6,720,052		139,784		290,192		—		7,150,028
Municipal	663,903		—		11,936		—		675,839
Total commercial	19,802,162		544,797		1,131,900		155		21,479,014		$	454,277
Commercial real estate:
Construction and land development	1,786,610		42,348		12,544		—		1,841,502
Term	8,319,348		47,245		139,036		8,772		8,514,401
Total commercial real estate	10,105,958		89,593		151,580		8,772		10,355,903		113,992
Consumer:
Home equity credit line	2,404,635		—		11,722		—		2,416,357
1-4 family residential	5,325,519		—		56,580		—		5,382,099
Construction and other consumer real estate	381,738		—		3,502		—		385,240
Bankcard and other revolving plans	440,282		—		3,498		—		443,780
Other	186,836		—		313		—		187,149
Total consumer loans	8,739,010		—		75,615		—		8,814,625		37,779
Total	$	38,647,130	$	634,390	$	1,359,095	$	8,927	$	40,649,542	$	606,048

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. Purchase credit-impaired (“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 months endedMarch 31, 2016 and 2015 was not significant.

Information on impaired loans individually evaluated is summarized as follows, including the average recorded investment and interest income recognized for the three months endedMarch 31, 2016 and 2015:

	March 31, 2016
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	457,773	$	68,388	$	329,801	$	398,189	$	71,962
Owner occupied	124,637		74,158		39,778		113,936		4,162
Municipal	1,405		926		—		926		—
Total commercial	583,815		143,472		369,579		513,051		76,124
Commercial real estate:
Construction and land development	22,202		4,806		9,319		14,125		883
Term	134,297		81,795		26,275		108,070		1,706
Total commercial real estate	156,499		86,601		35,594		122,195		2,589
Consumer:
Home equity credit line	28,148		21,128		4,295		25,423		145
1-4 family residential	66,860		32,652		31,720		64,372		6,805
Construction and other consumer real estate	3,446		988		1,876		2,864		168
Other	2,565		35		1,900		1,935		53
Total consumer loans	101,019		54,803		39,791		94,594		7,171
Total	$	841,333	$	284,876	$	444,964	$	729,840	$	85,884

	December 31, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	272,161	$	44,190	$	163,729	$	207,919	$	30,538
Owner occupied	141,526		83,024		43,243		126,267		5,486
Municipal	1,430		951		—		951		—
Total commercial	415,117		128,165		206,972		335,137		36,024
Commercial real estate:
Construction and land development	22,791		5,076		9,558		14,634		618
Term	142,239		82,864		34,361		117,225		2,604
Total commercial real estate	165,030		87,940		43,919		131,859		3,222
Consumer:
Home equity credit line	27,064		18,980		5,319		24,299		243
1-4 family residential	74,009		29,540		41,155		70,695		8,736
Construction and other consumer real estate	2,741		989		1,014		2,003		173
Other	3,187		36		2,570		2,606		299
Total consumer loans	107,001		49,545		50,058		99,603		9,451
Total	$	687,148	$	265,650	$	300,949	$	566,599	$	48,697

	Three Months Ended March 31, 2016				Three Months Ended March 31, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	281,841	$	1,472	$	160,013	$	1,451
Owner occupied	122,241		2,431		177,568		4,092
Municipal	932		—		1,033		—
Total commercial	405,014		3,903		338,614		5,543
Commercial real estate:
Construction and land development	14,293		513		38,736		569
Term	106,236		3,458		143,496		5,008
Total commercial real estate	120,529		3,971		182,232		5,577
Consumer:
Home equity credit line	24,730		386		25,386		413
1-4 family residential	63,166		477		66,711		510
Construction and other consumer real estate	2,917		48		2,560		42
Bankcard and other revolving plans	—		16		2		100
Other	2,502		107		4,748		285
Total consumer loans	93,315		1,034		99,407		1,350
Total	$	618,858	$	8,908	$	620,253	$	12,470

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:

	March 31, 2016
	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	$	198	$	26,309	$	12	$	91	$	1,085	$	33,894	$	61,589
Owner occupied	2,227		1,458		920		—		7,882		16,318		28,805
Total commercial	2,425		27,767		932		91		8,967		50,212		90,394
Commercial real estate:
Construction and land development	44		—		—		—		—		9,316		9,360
Term	4,660		7,397		161		980		4,037		13,749		30,984
Total commercial real estate	4,704		7,397		161		980		4,037		23,065		40,344
Consumer:
Home equity credit line	198		2,414		10,570		—		164		3,027		16,373
1-4 family residential	2,030		349		6,498		257		3,213		33,404		45,751
Construction and other consumer real estate	171		357		—		1,143		—		949		2,620
Total consumer loans	2,399		3,120		17,068		1,400		3,377		37,380		64,744
Total accruing	9,528		38,284		18,161		2,471		16,381		110,657		195,482
Nonaccruing
Commercial:
Commercial and industrial	26		396		—		1,116		18,551		63,047		83,136
Owner occupied	1,122		1,209		—		3,064		275		16,881		22,551
Municipal	—		926		—		—		—		—		926
Total commercial	1,148		2,531		—		4,180		18,826		79,928		106,613
Commercial real estate:
Construction and land development	—		312		—		—		3,135		209		3,656
Term	1,797		1,163		—		—		2,920		3,892		9,772
Total commercial real estate	1,797		1,475		—		—		6,055		4,101		13,428
Consumer:
Home equity credit line	—		299		1,359		51		—		705		2,414
1-4 family residential	—		325		1,944		302		829		6,452		9,852
Construction and other consumer real estate	—		97		16		42		—		62		217
Total consumer loans	—		721		3,319		395		829		7,219		12,483
Total nonaccruing	2,945		4,727		3,319		4,575		25,710		91,248		132,524
Total	$	12,473	$	43,011	$	21,480	$	7,046	$	42,091	$	201,905	$	328,006

	December 31, 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	$	202	$	3,236	$	13	$	100	$	23,207	$	34,473	$	61,231
Owner occupied	1,999		681		929		—		9,879		16,339		29,827
Total commercial	2,201		3,917		942		100		33,086		50,812		91,058
Commercial real estate:
Construction and land development	94		—		—		—		—		9,698		9,792
Term	4,696		638		166		976		2,249		20,833		29,558
Total commercial real estate	4,790		638		166		976		2,249		30,531		39,350
Consumer:
Home equity credit line	192		2,147		9,763		—		164		3,155		15,421
1-4 family residential	2,669		353		6,747		433		3,440		32,903		46,545
Construction and other consumer real estate	174		384		—		—		—		1,152		1,710
Total consumer loans	3,035		2,884		16,510		433		3,604		37,210		63,676
Total accruing	10,026		7,439		17,618		1,509		38,939		118,553		194,084
Nonaccruing
Commercial:
Commercial and industrial	28		455		—		1,879		3,577		49,617		55,556
Owner occupied	685		1,669		—		724		34		16,335		19,447
Municipal	—		951		—		—		—		—		951
Total commercial	713		3,075		—		2,603		3,611		65,952		75,954
Commercial real estate:
Construction and land development	—		333		—		—		3,156		208		3,697
Term	1,844		—		—		—		2,960		5,203		10,007
Total commercial real estate	1,844		333		—		—		6,116		5,411		13,704
Consumer:
Home equity credit line	7		500		1,400		54		—		233		2,194
1-4 family residential	—		275		2,052		136		1,180		7,299		10,942
Construction and other consumer real estate	—		101		17		48		—		44		210
Total consumer loans	7		876		3,469		238		1,180		7,576		13,346
Total nonaccruing	2,564		4,284		3,469		2,841		10,907		78,939		103,004
Total	$	12,590	$	11,723	$	21,087	$	4,350	$	49,846	$	197,492	$	297,088

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 $1.6 million at March 31, 2016 and $7.5 millionat December 31, 2015.

The total recorded investment of all TDRs in which interest rates were modified below market was $174.5 million at March 31, 2016 and $188.0 million at December 31, 2015. 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 March 31,
(In thousands)	2016			2015
Commercial:
Commercial and industrial	$	(73	)	$	(57	)
Owner occupied	(49		)	(112		)
Total commercial	(122		)	(169		)
Commercial real estate:
Construction and land development	(1		)	(37		)
Term	(79		)	(109		)
Total commercial real estate	(80		)	(146		)
Consumer:
Home equity credit line	(1		)	(1		)
1-4 family residential	(230		)	(271		)
Construction and other consumer real estate	(5		)	(7		)
Total consumer loans	(236		)	(279		)
Total decrease to interest income1	$	(438	)	$	(594	)

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 March 31, 2016						Three Months Ended March 31, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	2,992	$	2,992	$	—	$	44	$	44
Owner occupied	3,350		244		3,594		—		986		986
Total commercial	3,350		3,236		6,586		—		1,030		1,030
Commercial real estate:
Construction and land development	—		—		—		—		1,284		1,284
Term	—		—		—		—		—		—
Total commercial real estate	—		—		—		—		1,284		1,284
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		160		160		110		—		110
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		160		160		110		—		110
Total	$	3,350	$	3,396	$	6,746	$	110	$	2,314	$	2,424

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2016 and 2015 were $180.3 millionand $74.5 million, respectively.

At March 31, 2016 and December 31, 2015, the amount of foreclosed residential real estate property held by the Company was approximately $3.4 million and $0.5 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $11.3 million and $12.5 million, respectively.

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 oil and gas-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 oil and gas-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)	March 31, 2016			December 31, 2015
Commercial		$	55,997		$	72,440
Commercial real estate		60,456			65,167
Consumer		9,961			11,082
Outstanding balance		$	126,414		$	148,689
Carrying amount		$	106,320		$	125,029
Less ALLL		357			945
Carrying amount, net		$	105,963		$	124,084

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. There were no amounts of these loans at March 31, 2016 and December 31, 2015.

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

(In thousands)	Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	39,803		$	45,055
Accretion	(6,138		)	(9,583		)
Reclassification from nonaccretable difference	8,430			13,281
Disposals and other	1,010			2,178
Balance at end of period	$	43,105		$	50,931

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 months endedMarch 31, 2016 and 2015, we adjusted the ALLL for acquired loans by recording a negative provision for loan losses of $(0.4) million and $(0.8) million, respectively. The provision is net of the ALLL reversals resulting from changes in cash flow estimates, which are 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 months endedMarch 31, total reversals to the ALLL, including the impact of increases in estimated cash flows, were $0.4 millionin 2016 and $1.4 millionin 2015, 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 months endedMarch 31, the impact of increased cash flow estimates recognized in the statement of income for acquired loans with no ALLL was approximately $4.5 million in 2016and $7.4 million in 2015, respectively, of additional interest income.

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Derivative Instruments And Hedging Activities

3 Months Ended

Mar. 31, 2016

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. We apply hedge accounting to certain derivatives executed for risk management purposes as described in more detail subsequently. However, we do not apply hedge accounting to all of the derivatives involved in our risk management activities. Derivatives not designated as accounting hedges 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 were completely amortized into earnings during 2015.

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. We use interest rate swaps as part of our cash flow hedging strategy to hedge the variable cash flows associated with designated commercial loans. These 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 notional amount. No derivatives have been designated as hedges of net 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 related variable-rate loans and as amounts for terminated hedges are accreted or amortized to earnings. For the 12 months following March 31, 2016, we estimate that an additional$7.7 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 controlled under the Company’s general credit policies. They 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 March 31, 2016, the fair value of our derivative liabilities was $104.5 million, for which we were required to pledge cash collateral of approximately $86.0 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s or Moody’s at March 31, 2016, the additional amount of collateral we could be required to pledge is approximately $1.9 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 March 31, 2016 and December 31, 2015, and the related gain (loss) of derivative instruments for the three months endedMarch 31, 2016 and 2015 is summarized as follows:

	March 31, 2016						December 31, 2015
	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	$	1,387,500	$	22,218	$	—	$	1,387,500	$	5,461	$	956
Total derivatives designated as hedging instruments	1,387,500		22,218		—		1,387,500		5,461		956
Derivatives not designated as hedging instruments
Interest rate swaps and forwards	103,989		740		250		40,314		—		8
Interest rate swaps for customers 1	3,449,818		84,684		89,771		3,256,190		51,353		53,843
Foreign exchange	349,891		17,721		14,448		463,064		20,824		17,761
Total derivatives not designated as hedging instruments	3,903,698		103,145		104,469		3,759,568		72,177		71,612
Total derivatives	$	5,291,198	$	125,363	$	104,469	$	5,147,068	$	77,638	$	72,568

¹ Notional amounts include both the customer swaps and the offsetting derivative contracts.

	Three Months Ended March 31, 2016
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	20,696	$	2,997
	20,696		2,997
Fair value hedges:
Terminated swaps on long-term debt								$	—
Total derivatives designated as hedging instruments	20,696		2,997					—
Derivatives not designated as hedging instruments
Interest rate swaps and forward contracts					$	235
Interest rate swaps for customers					(509		)
Foreign exchange					2,236
Total derivatives not designated as hedging instruments					1,962
Total derivatives	$	20,696	$	2,997	$	1,962		$	—

	Three Months Ended March 31, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	4,253	$	1,016
	4,253		1,016
Fair value hedges:
Terminated swaps on long-term debt							$	468
Total derivatives designated as hedging instruments	4,253		1,016				468
Derivatives not designated as hedging instruments
Interest rate swaps for customers					$	517
Futures contracts					1
Foreign exchange					2,735
Total derivatives not designated as hedging instruments					3,253
Total derivatives	$	4,253	$	1,016	$	3,253	$	468

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 change in fair value of the derivative.

²  Amounts for the three months endedMarch 31, of $3.0 million in 2016, and $1.0 million in 2015, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

The fair value of derivative assets was reduced by a net credit valuation adjustment of $5.1 million and $3.3 million at March 31, 2016 and 2015, respectively. The adjustment for derivative liabilities was not significant at March 31, 2016 and 2015. 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

3 Months Ended

Mar. 31, 2016

Capitalization, Long-term Debt and Equity [Abstract]

Debt And Shareholders' Equity

DEBT AND SHAREHOLDERS’ EQUITY

Long-term debt is summarized as follows:

(In thousands)	March 31, 2016		December 31, 2015
Junior subordinated debentures related to trust preferred securities	$	164,950	$	164,950
Subordinated notes	246,262		246,170
Senior notes	390,367		400,334
Capital lease obligations	869		912
Total	$	802,448	$	812,366

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or unamortized debt issuance costs. The amount of long-term debt as of December 31, 2015 presented in the schedule differs from the amount in our 2015 10-K as a result of the reclassification of unamortized debt issuance costs to long-term debt in compliance with ASU 2015-03.

Preferred Stock

On April 25, 2016, the Company launched a tender offer to purchase up to $120 million par amount of certain outstanding preferred stock. The tender offer will expire on May 20, 2016.

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 phase-in basis and will adopt the fully phased-in requirements effective January 1, 2019.

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
Three Months Ended March 31, 2016
Balance at December 31, 2015		$	(18,369	)		$	1,546		$	(37,789	)	$	(54,612	)
Other comprehensive income (loss) before reclassifications, net of tax		32,168				13,331			(665		)	44,834
Amounts reclassified from AOCI, net of tax		(17		)		(1,858		)	—			(1,875		)
Other comprehensive income (loss)		32,151				11,473			(665		)	42,959
Balance at March 31, 2016		$	13,782			$	13,019		$	(38,454	)	$	(11,653	)
Income tax expense included in other comprehensive income (loss)		$	20,192			$	6,920		$	665		$	27,777
Three Months Ended March 31, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		11,424				2,189			—			13,613
Amounts reclassified from AOCI, net of tax		148				(629		)	—			(481		)
Other comprehensive income		11,572				1,560			—			13,132
Balance at March 31, 2015		$	(80,349	)		$	3,786		$	(38,346	)	$	(114,909	)
Income tax expense included in other comprehensive income		$	6,957			$	1,088		$	—		$	8,045

	Amounts reclassified from AOCI 1					Statement of income (SI) Balance sheet (BS)
(In thousands)	Three Months Ended March 31,
Details about AOCI components	2016		2015				Affected line item
Net realized gains (losses) on investment securities	$	28	$	(239	)	SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	11		(91		)
	17		(148		)
Net unrealized gains on derivative instruments	$	2,997	$	1,016		SI	Interest and fees on loans
Income tax expense	1,139		387
	$	1,858	$	629

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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Income Taxes

3 Months Ended

Mar. 31, 2016

Income Tax Disclosure [Abstract]

Income Taxes

INCOME TAXES

The effective income tax rate of 31.4% for the first quarter of 2016 was lower than the 2015 first quarter rate of 35.7%. The tax rates for both the first quarter of 2016 and 2015 were benefited primarily by the non-taxability of certain income items. However, the 2016 effective tax rate was further benefited by the release of various uncertain state tax positions.

Net deferred tax assets were approximately $180 million at March 31, 2016 and $203 million at December 31, 2015. 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 March 31, 2016.

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Fair Value

3 Months Ended

Mar. 31, 2016

Fair Value Disclosures [Abstract]

Fair Value

FAIR VALUE

Fair Value Measurement

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 fair value measurements for approximately 90% of our AFS Level 2 securities. Fair value measurements for other AFS Level 2 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 or an internal model. Valuation inputs include Baa municipal curves, as well as FHLB and London Interbank Offered Rate (“LIBOR”) swap curves. Our valuation methodology for non-rated municipal securities changed at year-end to utilize more observable inputs, primarily municipal market yield curves, compared to our previous valuation method. The resulting values were determined to be Level 2.

Money Market Mutual Funds and Other

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

Trading Account

Securities in the trading account are generally measured under Level 2 using third party pricing service providers as described previously.

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 insurance 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 VR. See discussions in Notes 5 and 11.

Agriculture Loan Servicing

This asset results from our servicing of agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”). We provide this servicing under an agreement with FAMC 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)	March 31, 2016
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	8,027,667	$	—	$	8,027,667
Municipal securities			556,073				556,073
Other debt securities			21,909				21,909
Money market mutual funds and other	59,925		36,311				96,236
	59,925		8,641,960		—		8,701,885
Trading account			65,838				65,838
Other noninterest-bearing investments:
Bank-owned life insurance			489,297				489,297
Private equity investments					119,222		119,222
Other assets:
Agriculture loan servicing and interest-only strips					17,067		17,067
Deferred compensation plan assets	82,179						82,179
Derivatives:
Interest rate swaps and forwards			22,958				22,958
Interest rate swaps for customers			84,684				84,684
Foreign currency exchange contracts	17,721						17,721
	17,721		107,642		—		125,363
	$	159,825	$	9,304,737	$	136,289	$	9,600,851
LIABILITIES
Securities sold, not yet purchased	$	6,515	$	—	$	—	$	6,515
Other liabilities:
Deferred compensation plan obligations	82,179						82,179
Derivatives:
Interest rate swaps and forwards			250				250
Interest rate swaps for customers			89,771				89,771
Foreign currency exchange contracts	14,448						14,448
	14,448		90,021		—		104,469
	$	103,142	$	90,021	$	—	$	193,163

(In thousands)	December 31, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	7,100,844	$	—	$	7,100,844
Municipal securities			418,695				418,695
Other debt securities			22,941				22,941
Money market mutual funds and other	61,807		38,829				100,636
	61,807		7,581,309		—		7,643,116
Trading account			48,168				48,168
Other noninterest-bearing investments:
Bank-owned life insurance			485,978				485,978
Private equity investments					120,027		120,027
Other assets:
Agriculture loan servicing and interest-only strips					13,514		13,514
Deferred compensation plan assets	84,570						84,570
Derivatives:
Interest rate swaps and forwards			5,966				5,966
Interest rate swaps for customers			51,353				51,353
Foreign currency exchange contracts	20,824						20,824
	20,824		57,319		—		78,143
	$	167,201	$	8,172,774	$	133,541	$	8,473,516
LIABILITIES
Securities sold, not yet purchased	$	30,158	$	—	$	—	$	30,158
Other liabilities:
Deferred compensation plan obligations	84,570						84,570
Derivatives:
Interest rate swaps and forwards			835				835
Interest rate swaps for customers			53,843				53,843
Foreign currency exchange contracts	17,761						17,761
	17,761		54,678		—		72,439
	$	132,489	$	54,678	$	—	$	187,167

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 March 31, 2016
(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, 2015	$	—	$	—	$	—	$	120,027		$	13,514		$	—
Net gains (losses) included in:
Statement of income:
Dividends and other investment losses							(1,484		)
Equity securities losses, net							(2,009		)
Other noninterest income										3,460
Purchases							2,801			368
Sales							(36		)
Redemptions and paydowns							(77		)	(275		)
Balance at March 31, 2016	$	—	$	—	$	—	$	119,222		$	17,067		$	—

	Level 3 Instruments
	Three Months Ended March 31, 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		$	4,786		$	99,865		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	2			257
Dividends and other investment income										1,074
Equity securities gains, net										3,253
Fixed income securities gains (losses), net	31			(323		)
Other noninterest income													4
Other noninterest expense																13
Other comprehensive income (loss)	127			(6,949		)	42
Fair value of HTM securities transferred to AFS				57,308
Purchases										5,052			171
Sales				(2,613		)				(1,517		)
Redemptions and paydowns	(1,859		)	(2,349		)	(2		)	(279		)	(401		)
Balance at March 31, 2015	$	2,465		$	438,338		$	4,826		$	107,448		$	12,001		$	—

No transfers of assets or liabilities occurred among Levels 1, 2 or 3 for the three months endedMarch 31, 2016 and 2015.

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

(In thousands)	Three Months Ended March 31,
	2016		2015
Fixed income securities losses, net	$	—	$	(292	)

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 March 31, 2016								Fair value at December 31, 2015
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	1,477	$	1,477	$	—	$	—	$	10,707	$	10,707
Impaired loans	—		32,162		—		32,162		—		10,991		—		10,991
Other real estate owned	—		1,695		—		1,695		—		2,388		—		2,388
	$	—	$	33,857	$	1,477	$	35,334	$	—	$	13,379	$	10,707	$	24,086

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 March 31,
	2016			2015
ASSETS
Private equity investments, carried at cost	$	(342	)	$	(1,153	)
Impaired loans	(14,728		)	(2,924		)
Other real estate owned	(37		)	(1,008		)
	$	(15,107	)	$	(5,085	)

During the three months endedMarch 31, we recognized net gains of $1.8 million in 2016 and $0.7 million in 2015 from the sale of other real estate owned (“OREO”) properties that had a carrying value at the time of sale of approximately $2.1 million and $4.1 million, respectively. Previous to their sale in these periods, we recognized impairment on these properties of an insignificant amount in 2016 and 2015.

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 PEIs carried at cost were $23.2 million at March 31, 2016 and $25.3 million at December 31, 2015. Amounts of other noninterest-bearing investments carried at cost were $196.6 million at March 31, 2016 and $191.5 million at December 31, 2015, which were comprised of Federal Reserve and FHLB 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 sufficiently significant to consider disclosure under Level 3 rather than Level 2.

Impaired loans that are not collateral-dependent were measured 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:

	March 31, 2016					December 31, 2015
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	631,646	$	636,484	2	$	545,648	$	552,088	2
Loans and leases (including loans held for sale), net of allowance	40,915,055		40,715,842		3	40,193,374		39,535,365		3
Financial liabilities:
Time deposits	2,071,688		2,075,729		2	2,130,680		2,129,742		2
Foreign deposits	219,899		219,836		2	294,391		294,321		2
Long-term debt (less fair value hedges)	802,448		831,621		2	812,366		838,796		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value and financial instruments that are recorded at fair value on a recurring basis. Financial instruments for which carrying values approximate fair value include cash and due from banks, money market investments, 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.

HTM investment securities primarily consist of municipal securities. They were measured at fair value according to the methodology previously discussed.

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 that are collateral-dependent are already considered to be held at fair value. Impaired loans that are not collateral-dependent have future cash flows reduced by the estimated “life-of-the-loan” credit loss derived from methods used to estimate the ALLL for these loans. 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. At March 31, 2016 and December 31, 2015, oil and gas-related loan fair value measurements incorporated an illiquidity risk premium in addition to credit and interest rate risk adjustments.

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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Commitments, Guarantees, And Contingent Liabilities

3 Months Ended

Mar. 31, 2016

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)	March 31, 2016		December 31, 2015
Net unfunded commitments to extend credit 1	$	17,310,427	$	17,169,785
Standby letters of credit:
Financial	643,514		661,554
Performance	203,657		216,843
Commercial letters of credit	58,567		18,447
Total unfunded lending commitments	$	18,216,165	$	18,066,629

¹  Net of participations

The Company’s 2015 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At March 31, 2016, the Company had recorded approximately $5.1 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $2.1 million attributable to the RULC and $3.0 million of deferred commitment fees.

At March 31, 2016, the Parent has guaranteed $165 million of debt of affiliated trusts issuing trust preferred securities.

At March 31, 2016, we had unfunded commitments for PEIs of approximately $20 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 March 31, 2016, 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. In the third quarter of 2015, the Third Circuit vacated the District Court’s decision denying class certification and remanded the matter to the District Court with instructions to reconsider the class certification determination in light of particular standards articulated by the Third Circuit in its opinion. A class certification hearing is currently scheduled for late May 2016. Following the Third Circuit’s decision, the parties participated in a number of mediation sessions, which could result in a settlement. Any such settlement would be subject to court approval. There can be no assurance, however, that the parties will be able to settle this matter.

• a governmental inquiry into possible money laundering activities of one of our bank customers and our anti-money laundering practices relating to that customer (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 our payment processing practices relating primarily to certain allegedly fraudulent telemarketers and other customer types (conducted by the Department of Justice). Similar inquiries directed towards banks unrelated to us have resulted in a number of enforcement actions. Our first contact with the Department of Justice relating to this matter occurred in early 2013. We understand that the Department of Justice desires to pursue claims against us. We have engaged in preliminary settlement discussions with the Department of Justice. There can be no assurance, however, that the parties will be able to settle this matter.

• a civil suit, Liu Aifang, et al. v. Velocity VIII, et al., brought against us in the United States District Court for the Central District of California in April 2015. The case relates to our banking relationships with customers who were approved promoters of an EB-5 Visa Immigrant Investment Program that allegedly misappropriated investors’ funds. On September 30, 2015, the Court granted in part and denied in part our Motion to Dismiss Plaintiffs’ claims.  The Plaintiffs’ remaining claims assert negligence and that the bank aided and abetted the promoter customers’ conversion of the investors’ funds deposited with us. Discovery is ongoing and trial is scheduled for September 2016.

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 March 31, 2016, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $60 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 a meaningful 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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Retirement Plans

3 Months Ended

Mar. 31, 2016

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
(In thousands)	Three Months Ended March 31,
	2016			2015			2016		2015		2016			2015
Service cost	$	—		$	—		$	—	$	—	$	5		$	8
Interest cost	1,762			1,783			100		101		10			10
Expected return on plan assets	(2,754		)	(3,090		)	—		—		—			—
Amortization of net actuarial (gain) loss	1,659			1,574			31		31		(17		)	(13		)
Net periodic benefit cost (credit)	$	667		$	267		$	131	$	132	$	(2	)	$	5

As disclosed in the Company’s 2015 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.

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Operating Segment Information

3 Months Ended

Mar. 31, 2016

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. Following the close of business on December 31, 2015, we completed the merger of our subsidiary banks and certain non-banking subsidiaries, including Zions Management Services Company (“ZMSC”), with and into a single bank, ZB, N.A. We continue to manage our banking operations under our existing brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. Due to the charter consolidation, we have moved to an internal funds transfer pricing allocation system to report results of operations for business segments. Total average loans and deposits presented for the banking segments do not include intercompany amounts between banking segments, but may include deposits with the Other segment. Prior period amounts have been reclassified to reflect these changes.

As of March 31, 2016, Zions Bank operates 99 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 76 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 65 branches in Arizona. NSB operates 49 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.

The operating segment identified as “Other” includes the Parent, ZMSC, certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. The Company’s net interest income is substantially affected by the Parent’s interest expense on long-term debt. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

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 March 31, 2016 and 2015:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ					NSB
	2016			2015			2016			2015		2016			2015			2016		2015			2016			2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	153.3		$	152.0		$	119.2		$	117.8	$	108.1		$	103.8		$	46.8	$	44.2		$	30.9		$	31.1
Provision for loan losses	(30.6		)	(4.6		)	104.5			11.1		(3.1		)	(4.1		)	1.9		0.8			(25.6		)	(8.7		)
Net interest income after provision for loan losses	183.9			156.6			14.7			106.7		111.2			107.9			44.9		43.4			56.5			39.8
Noninterest income	36.0			31.5			29.1			29.2		16.1			14.2			9.5		8.2			9.5			8.9
Noninterest expense	97.0			107.5			85.6			93.0		68.5			74.1			32.4		37.2			30.8			32.6
Net Income (loss) before taxes	$	122.9		$	80.6		$	(41.8	)	$	42.9	$	58.8		$	48.0		$	22.0	$	14.4		$	35.2		$	16.1
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	12,306		$	12,101		$	10,370		$	10,276	$	8,905		$	8,502		$	3,863	$	3,764		$	2,263		$	2,384
Total deposits	15,700			15,787			11,274			11,524		10,479			9,701			4,445		4,178			4,005			3,755
	Vectra						TCBW					Other						Consolidated Company
	2016			2015			2016			2015		2016			2015			2016		2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	30.5		$	28.5		$	9.4		$	8.4	$	(45.4	)	$	(68.4	)	$	452.8	$	417.4
Provision for loan losses	(3.2		)	3.9			(1.8		)	0.2		—			(0.1		)	42.1		(1.5		)
Net interest income after provision for loan losses	33.7			24.6			11.2			8.2		(45.4		)	(68.3		)	410.7		418.9
Noninterest income	5.8			5.0			0.9			0.9		9.9			19.4			116.8		117.3
Noninterest expense	21.4			24.0			5.0			7.8		54.9			16.8			395.6		393.0
Net Income (loss) before taxes	$	18.1		$	5.6		$	7.1		$	1.3	$	(90.4	)	$	(65.7	)	$	131.9	$	143.2
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	2,453		$	2,358		$	733		$	713	$	110		$	81		$	41,003	$	40,179
Total deposits	2,759			2,456			953			830		(60		)	(747		)	49,555		47,484

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Basis of Presentaion Organization and Presentation (Policies)

3 Months Ended

Mar. 31, 2016

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”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force (“EITF”). In certain cases, ASUs are issued jointly with International Financial Reporting Standards (“IFRS”).

Operating results for the three months endedMarch 31, 2016 and 2015 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2015 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 2015 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation is a financial holding company headquartered in Salt Lake City, Utah, and with its subsidiaries, provides a full range of banking and related services. Following the close of business on December 31, 2015, the Company completed the merger of its subsidiary banks and other subsidiaries into a single bank, ZB, N.A. The Company continues to manage its banking operations through seven separately managed and branded segments in 11 Western and Southwestern states as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), 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. Pursuant to a Board resolution adopted November 21, 2014, The Commerce Bank of Oregon merged into TCBW following the close of business on March 31, 2015.

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Supplemental Cash Flow Information (Tables)

3 Months Ended

Mar. 31, 2016

Supplemental Cash Flow Information [Abstract]

Schedule of Other Significant Noncash Transactions [Table Text Block]

(In thousands)	Three Months Ended March 31,
	2016		2015
Loans and leases transferred to other real estate owned	$	5,998	$	3,568
Loans held for sale reclassified as loans held for investment	1,976		13,138
Amortized cost of HTM securities reclassified as AFS securities	—		79,276

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Offsetting Assets and Liabilities (Tables)

3 Months Ended

Mar. 31, 2016

Offsetting Assets and Liabilities [Abstract]

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

	March 31, 2016
(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	$	1,587,212	$	—	$	1,587,212	$	—		$	—		$	1,587,212
Derivatives (included in other assets)	125,363		—		125,363		(22,322		)	—			103,041
	$	1,712,575	$	—	$	1,712,575	$	(22,322	)	$	—		$	1,690,253
Liabilities:
Federal funds and other short-term borrowings	$	232,188	$	—	$	232,188	$	—		$	—		$	232,188
Derivatives (included in other liabilities)	104,469		—		104,469		(22,322		)	(71,149		)	10,998
	$	336,657	$	—	$	336,657	$	(22,322	)	$	(71,149	)	$	243,186

	December 31, 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	$	619,758	$	—	$	619,758	$	—		$	—		$	619,758
Derivatives (included in other assets)	77,638		—		77,638		(5,916		)				71,722
	$	697,396	$	—	$	697,396	$	(5,916	)	$	—		$	691,480
Liabilities:
Federal funds and other short-term borrowings	$	346,987	$	—	$	346,987	$	—		$	—		$	346,987
Derivatives (included in other liabilities)	72,568		—		72,568		(5,916		)	(61,134		)	5,518
	$	419,555	$	—	$	419,555	$	(5,916	)	$	(61,134	)	$	352,505

	March 31, 2016					December 31, 2015
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	631,646	$	636,484	2	$	545,648	$	552,088	2
Loans and leases (including loans held for sale), net of allowance	40,915,055		40,715,842		3	40,193,374		39,535,365		3
Financial liabilities:
Time deposits	2,071,688		2,075,729		2	2,130,680		2,129,742		2
Foreign deposits	219,899		219,836		2	294,391		294,321		2
Long-term debt (less fair value hedges)	802,448		831,621		2	812,366		838,796		2

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Investment Securities (Tables)

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

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

Summary Of Investment Securities

	March 31, 2016
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	631,646	$	11,519	$	6,681	$	636,484
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,497,652		14,055		856		1,510,851
Agency guaranteed mortgage-backed securities	4,487,279		17,801		9,091		4,495,989
Small Business Administration loan-backed securities	2,019,668		14,480		13,321		2,020,827
Municipal securities	552,872		4,391		1,190		556,073
Other debt securities	25,434		147		3,672		21,909
	8,582,905		50,874		28,130		8,605,649
Money market mutual funds and other	96,132		104		—		96,236
	8,679,037		50,978		28,130		8,701,885
Total	$	9,310,683	$	62,497	$	34,811	$	9,338,369

	December 31, 2015
(In thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	545,648	$	11,218	$	4,778	$	552,088
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	1,231,740		4,313		2,658		1,233,395
Agency guaranteed mortgage-backed securities	3,964,593		7,919		36,037		3,936,475
Small Business Administration loan-backed securities	1,932,817		12,602		14,445		1,930,974
Municipal securities	417,374		2,177		856		418,695
Other debt securities	25,454		152		2,665		22,941
	7,571,978		27,163		56,661		7,542,480
Money market mutual funds and other	100,612		61		37		100,636
	7,672,590		27,224		56,698		7,643,116
Total	$	8,218,238	$	38,442	$	61,476	$	8,195,204

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	$	69,225	$	69,515	$	1,187,108	$	1,189,787
Principal return after one year through five years	238,605		242,328		3,483,268		3,491,732
Principal return after five years through ten years	203,989		207,198		2,769,584		2,781,632
Principal return after ten years	119,827		117,443		1,142,945		1,142,498
	$	631,646	$	636,484	$	8,582,905	$	8,605,649

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

	March 31, 2016
	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	$	5,952	$	193,737	$	729	$	12,480	$	6,681	$	206,217
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	312		299,591		544		129,191		856		428,782
Agency guaranteed mortgage-backed securities	6,836		1,707,106		2,255		149,293		9,091		1,856,399
Small Business Administration loan-backed securities	4,549		539,651		8,772		528,850		13,321		1,068,501
Municipal securities	935		140,612		255		14,231		1,190		154,843
Other	—		—		3,672		11,331		3,672		11,331
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Mutual funds and other	—		—		—		—		—		—
	12,632		2,686,960		15,498		832,896		28,130		3,519,856
Total	$	18,584	$	2,880,697	$	16,227	$	845,376	$	34,811	$	3,726,073

	December 31, 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	$	4,521	$	122,197	$	257	$	13,812	$	4,778	$	136,009
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2,176		559,196		482		131,615		2,658		690,811
Agency guaranteed mortgage-backed securities	34,583		3,639,824		1,454		65,071		36,037		3,704,895
Small Business Administration loan-backed securities	5,348		567,365		9,097		535,376		14,445		1,102,741
Municipal securities	735		102,901		121		5,733		856		108,634
Other	—		—		2,665		12,337		2,665		12,337
	42,842		4,869,286		13,819		750,132		56,661		5,619,418
Mutual funds and other	37		35,488		—		—		37		35,488
	42,879		4,904,774		13,819		750,132		56,698		5,654,906
Total	$	47,400	$	5,026,971	$	14,076	$	763,944	$	61,476	$	5,790,915

Rollforward Of Total Amount Of Credit-Related OTTI

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	HTM		AFS		Total		HTM			AFS			Total
Balance of credit-related OTTI at beginning of period	$	—	$	—	$	—	$	(9,079	)	$	(95,472	)	$	(104,551	)
Reductions for securities sold or paid off during the period	—		—		—		—			1,313			1,313
Reclassification of securities from HTM to AFS	—		—		—		9,079			(9,079		)	—
Balance of credit-related OTTI at end of period	$	—	$	—	$	—	$	—		$	(103,238	)	$	(103,238	)

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

	Three Months Ended
	March 31, 2016					March 31, 2015
(In thousands)	Gross gains		Gross losses			Gross gains		Gross losses
Investment securities:
Held-to-maturity	$	—	$	—		$	1	$	—
Available-for-sale	30		2			958		1,198
Other noninterest-bearing investments	3,187		3,737			3,595		242
	3,217		3,739			4,554		1,440
Net gains (losses)			$	(522	)			$	3,114
Statement of income information:
Equity securities gains (losses), net			$	(550	)			$	3,353
Fixed income securities gains (losses), net			28					(239		)
Net gains (losses)			$	(522	)			$	3,114

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

(In thousands)	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2,604	$	2,726	$	5,330	$	3,592	$	2,862	$	6,454
Available-for-sale	39,607		1,955		41,562		19,768		653		20,421
Trading	472		—		472		598		—		598
	$	42,683	$	4,681	$	47,364	$	23,958	$	3,515	$	27,473

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Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2016

Accounts, Notes, Loans and Financing Receivable [Line Items]

Investment of accuring and nonaccruing troubled debt restructuring [Text Block]

	Three Months Ended March 31, 2016						Three Months Ended March 31, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	2,992	$	2,992	$	—	$	44	$	44
Owner occupied	3,350		244		3,594		—		986		986
Total commercial	3,350		3,236		6,586		—		1,030		1,030
Commercial real estate:
Construction and land development	—		—		—		—		1,284		1,284
Term	—		—		—		—		—		—
Total commercial real estate	—		—		—		—		1,284		1,284
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		160		160		110		—		110
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		160		160		110		—		110
Total	$	3,350	$	3,396	$	6,746	$	110	$	2,314	$	2,424

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2016 and 2015 were $180.3 millionand $74.5 million, respectively.

Quantitative Information about Transferred Financial Assets that have been Derecognized and Other Financial Assets Managed Together [Table Text Block]

(In billions)	March 31, 2016		December 31, 2015
Loan Servicing Assets	$	1.3	$	1.3

allowance for loan losses by impairment [Table Text Block]

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
	March 31, 2016
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	76,987	$	3,047	$	7,230	$	87,264
Collectively evaluated for impairment	386,943		114,448		22,882		524,273
Purchased loans with evidence of credit deterioration	57		217		83		357
Total	$	463,987	$	117,712	$	30,195	$	611,894
Outstanding loan balances:
Individually evaluated for impairment	$	477,363	$	95,784	$	86,957	$	660,104
Collectively evaluated for impairment	21,219,580		10,649,342		8,782,839		40,651,761
Purchased loans with evidence of credit deterioration	48,310		48,951		9,059		106,320
Total	$	21,745,253	$	10,794,077	$	8,878,855	$	41,418,185

	December 31, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	36,909	$	3,154	$	9,462	$	49,525
Collectively evaluated for impairment	417,295		110,417		27,866		555,578
Purchased loans with evidence of credit deterioration	73		421		451		945
Total	$	454,277	$	113,992	$	37,779	$	606,048
Outstanding loan balances:
Individually evaluated for impairment	$	289,629	$	107,341	$	92,605	$	489,575
Collectively evaluated for impairment	21,129,125		10,193,840		8,712,079		40,035,044
Purchased loans with evidence of credit deterioration	60,260		54,722		9,941		124,923
Total	$	21,479,014	$	10,355,903	$	8,814,625	$	40,649,542

Summary Of Major Portfolio Segment And Specific Loan Class

(In thousands)	March 31, 2016		December 31, 2015
Loans held for sale	$	108,764	$	149,880
Commercial:
Commercial and industrial	$	13,590,238	$	13,211,481
Leasing	437,150		441,666
Owner occupied	7,022,429		7,150,028
Municipal	695,436		675,839
Total commercial	21,745,253		21,479,014
Commercial real estate:
Construction and land development	1,967,702		1,841,502
Term	8,826,375		8,514,401
Total commercial real estate	10,794,077		10,355,903
Consumer:
Home equity credit line	2,432,632		2,416,357
1-4 family residential	5,417,810		5,382,099
Construction and other consumer real estate	401,422		385,240
Bankcard and other revolving plans	438,540		443,780
Other	188,451		187,149
Total consumer	8,878,855		8,814,625
Total loans	$	41,418,185	$	40,649,542

Summary Of Changes in The Allowance For Credit Losses

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2016
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	454,277		$	113,992		$	37,779		$	606,048
Additions:
Provision for loan losses	45,875			1,701			(5,431		)	42,145
Adjustment for FDIC-supported/PCI loans	—			—			—			—
Deductions:
Gross loan and lease charge-offs	(43,230		)	(975		)	(3,905		)	(48,110		)
Recoveries	7,065			2,994			1,752			11,811
Net loan and lease charge-offs	(36,165		)	2,019			(2,153		)	(36,299		)
Balance at end of period	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments
Balance at beginning of period	$	57,696		$	16,526		$	616		$	74,838
Provision credited to earnings	(1,429		)	(3,767		)	(616		)	(5,812		)
Balance at end of period	$	56,267		$	12,759		$	—		$	69,026
Total allowance for credit losses at end of period
Allowance for loan losses	$	463,987		$	117,712		$	30,195		$	611,894
Reserve for unfunded lending commitments	56,267			12,759			—			69,026
Total allowance for credit losses	$	520,254		$	130,471		$	30,195		$	680,920

	Three Months Ended March 31, 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	24,934			(26,887		)	459			(1,494		)
Adjustment for FDIC-supported/PCI loans	(38		)							(38		)
Deductions:
Gross loan and lease charge-offs	(15,951		)	(626		)	(3,611		)	(20,188		)
Recoveries	20,613			14,119			2,338			37,070
Net loan and lease charge-offs	4,662			13,493			(1,273		)	16,882
Balance at end of period	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	3,844			(2,580		)	(53		)	1,211
Balance at end of period	$	62,775		$	18,937		$	575		$	82,287
Total allowance for credit losses at end of period
Allowance for loan losses	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments	62,775			18,937			575			82,287
Total allowance for credit losses	$	504,847		$	150,552		$	46,901		$	702,300

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:
(In thousands)	March 31, 2016		December 31, 2015
Commercial:
Commercial and industrial	$	356,034	$	163,906
Leasing	14,107		3,829
Owner occupied	74,369		73,881
Municipal	926		951
Total commercial	445,436		242,567
Commercial real estate:
Construction and land development	6,152		7,045
Term	33,051		40,253
Total commercial real estate	39,203		47,298
Consumer:
Home equity credit line	10,700		8,270
1-4 family residential	43,791		50,254
Construction and other consumer real estate	645		748
Bankcard and other revolving plans	1,791		537
Other	202		186
Total consumer loans	57,129		59,995
Total	$	541,768	$	349,860

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2016
(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	$	13,464,106	$	90,610	$	35,522	$	126,132	$	13,590,238	$	4,388	$	287,662
Leasing	436,597		59		494		553		437,150		—		13,613
Owner occupied	6,965,082		21,987		35,360		57,347		7,022,429		13,350		46,289
Municipal	695,436		—		—		—		695,436		—		926
Total commercial	21,561,221		112,656		71,376		184,032		21,745,253		17,738		348,490
Commercial real estate:
Construction and land development	1,960,562		2,573		4,567		7,140		1,967,702		—		1,533
Term	8,782,301		10,173		33,901		44,074		8,826,375		18,295		15,791
Total commercial real estate	10,742,863		12,746		38,468		51,214		10,794,077		18,295		17,324
Consumer:
Home equity credit line	2,420,364		7,015		5,253		12,268		2,432,632		—		4,604
1-4 family residential	5,386,087		10,617		21,106		31,723		5,417,810		321		20,131
Construction and other consumer real estate	397,809		3,365		248		3,613		401,422		—		355
Bankcard and other revolving plans	435,092		2,241		1,207		3,448		438,540		848		1,340
Other	187,760		630		61		691		188,451		—		78
Total consumer loans	8,827,112		23,868		27,875		51,743		8,878,855		1,169		26,508
Total	$	41,131,196	$	149,270	$	137,719	$	286,989	$	41,418,185	$	37,202	$	392,322

	December 31, 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	$	13,114,045	$	60,523	$	36,913	$	97,436	$	13,211,481	$	3,065	$	117,942
Leasing	440,963		183		520		703		441,666		—		3,309
Owner occupied	7,085,086		37,776		27,166		64,942		7,150,028		3,626		43,984
Municipal	668,207		7,586		46		7,632		675,839		46		951
Total commercial	21,308,301		106,068		64,645		170,713		21,479,014		6,737		166,186
Commercial real estate:
Construction and land development	1,835,360		842		5,300		6,142		1,841,502		—		1,745
Term	8,469,390		10,424		34,587		45,011		8,514,401		21,697		24,867
Total commercial real estate	10,304,750		11,266		39,887		51,153		10,355,903		21,697		26,612
Consumer:
Home equity credit line	2,407,972		4,717		3,668		8,385		2,416,357		—		3,053
1-4 family residential	5,340,549		14,828		26,722		41,550		5,382,099		1,036		20,939
Construction and other consumer real estate	374,987		8,593		1,660		10,253		385,240		1,337		408
Bankcard and other revolving plans	440,358		1,861		1,561		3,422		443,780		1,217		146
Other	186,436		647		66		713		187,149		—		83
Total consumer loans	8,750,302		30,646		33,677		64,323		8,814,625		3,590		24,629
Total	$	40,363,353	$	147,980	$	138,209	$	286,189	$	40,649,542	$	32,024	$	217,427

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

	March 31, 2016
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,245,903	$	390,768	$	953,316	$	251	$	13,590,238
Leasing	402,160		7,106		27,884		—		437,150
Owner occupied	6,577,162		156,723		288,544		—		7,022,429
Municipal	678,377		7,888		9,171		—		695,436
Total commercial	19,903,602		562,485		1,278,915		251		21,745,253		$	463,987
Commercial real estate:
Construction and land development	1,921,338		14,540		31,824		—		1,967,702
Term	8,634,484		41,331		150,560		—		8,826,375
Total commercial real estate	10,555,822		55,871		182,384		—		10,794,077		117,712
Consumer:
Home equity credit line	2,418,415		—		14,217		—		2,432,632
1-4 family residential	5,368,085		—		49,725		—		5,417,810
Construction and other consumer real estate	399,765		—		1,657		—		401,422
Bankcard and other revolving plans	433,989		—		4,551		—		438,540
Other	188,099		—		352		—		188,451
Total consumer loans	8,808,353		—		70,502		—		8,878,855		30,195
Total	$	39,267,777	$	618,356	$	1,531,801	$	251	$	41,418,185	$	611,894

	December 31, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,007,076	$	399,847	$	804,403	$	155	$	13,211,481
Leasing	411,131		5,166		25,369		—		441,666
Owner occupied	6,720,052		139,784		290,192		—		7,150,028
Municipal	663,903		—		11,936		—		675,839
Total commercial	19,802,162		544,797		1,131,900		155		21,479,014		$	454,277
Commercial real estate:
Construction and land development	1,786,610		42,348		12,544		—		1,841,502
Term	8,319,348		47,245		139,036		8,772		8,514,401
Total commercial real estate	10,105,958		89,593		151,580		8,772		10,355,903		113,992
Consumer:
Home equity credit line	2,404,635		—		11,722		—		2,416,357
1-4 family residential	5,325,519		—		56,580		—		5,382,099
Construction and other consumer real estate	381,738		—		3,502		—		385,240
Bankcard and other revolving plans	440,282		—		3,498		—		443,780
Other	186,836		—		313		—		187,149
Total consumer loans	8,739,010		—		75,615		—		8,814,625		37,779
Total	$	38,647,130	$	634,390	$	1,359,095	$	8,927	$	40,649,542	$	606,048

Summary Of Information On Impaired Loans

	March 31, 2016
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	457,773	$	68,388	$	329,801	$	398,189	$	71,962
Owner occupied	124,637		74,158		39,778		113,936		4,162
Municipal	1,405		926		—		926		—
Total commercial	583,815		143,472		369,579		513,051		76,124
Commercial real estate:
Construction and land development	22,202		4,806		9,319		14,125		883
Term	134,297		81,795		26,275		108,070		1,706
Total commercial real estate	156,499		86,601		35,594		122,195		2,589
Consumer:
Home equity credit line	28,148		21,128		4,295		25,423		145
1-4 family residential	66,860		32,652		31,720		64,372		6,805
Construction and other consumer real estate	3,446		988		1,876		2,864		168
Other	2,565		35		1,900		1,935		53
Total consumer loans	101,019		54,803		39,791		94,594		7,171
Total	$	841,333	$	284,876	$	444,964	$	729,840	$	85,884

	December 31, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	272,161	$	44,190	$	163,729	$	207,919	$	30,538
Owner occupied	141,526		83,024		43,243		126,267		5,486
Municipal	1,430		951		—		951		—
Total commercial	415,117		128,165		206,972		335,137		36,024
Commercial real estate:
Construction and land development	22,791		5,076		9,558		14,634		618
Term	142,239		82,864		34,361		117,225		2,604
Total commercial real estate	165,030		87,940		43,919		131,859		3,222
Consumer:
Home equity credit line	27,064		18,980		5,319		24,299		243
1-4 family residential	74,009		29,540		41,155		70,695		8,736
Construction and other consumer real estate	2,741		989		1,014		2,003		173
Other	3,187		36		2,570		2,606		299
Total consumer loans	107,001		49,545		50,058		99,603		9,451
Total	$	687,148	$	265,650	$	300,949	$	566,599	$	48,697

	Three Months Ended March 31, 2016				Three Months Ended March 31, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	281,841	$	1,472	$	160,013	$	1,451
Owner occupied	122,241		2,431		177,568		4,092
Municipal	932		—		1,033		—
Total commercial	405,014		3,903		338,614		5,543
Commercial real estate:
Construction and land development	14,293		513		38,736		569
Term	106,236		3,458		143,496		5,008
Total commercial real estate	120,529		3,971		182,232		5,577
Consumer:
Home equity credit line	24,730		386		25,386		413
1-4 family residential	63,166		477		66,711		510
Construction and other consumer real estate	2,917		48		2,560		42
Bankcard and other revolving plans	—		16		2		100
Other	2,502		107		4,748		285
Total consumer loans	93,315		1,034		99,407		1,350
Total	$	618,858	$	8,908	$	620,253	$	12,470

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

	March 31, 2016
	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	$	198	$	26,309	$	12	$	91	$	1,085	$	33,894	$	61,589
Owner occupied	2,227		1,458		920		—		7,882		16,318		28,805
Total commercial	2,425		27,767		932		91		8,967		50,212		90,394
Commercial real estate:
Construction and land development	44		—		—		—		—		9,316		9,360
Term	4,660		7,397		161		980		4,037		13,749		30,984
Total commercial real estate	4,704		7,397		161		980		4,037		23,065		40,344
Consumer:
Home equity credit line	198		2,414		10,570		—		164		3,027		16,373
1-4 family residential	2,030		349		6,498		257		3,213		33,404		45,751
Construction and other consumer real estate	171		357		—		1,143		—		949		2,620
Total consumer loans	2,399		3,120		17,068		1,400		3,377		37,380		64,744
Total accruing	9,528		38,284		18,161		2,471		16,381		110,657		195,482
Nonaccruing
Commercial:
Commercial and industrial	26		396		—		1,116		18,551		63,047		83,136
Owner occupied	1,122		1,209		—		3,064		275		16,881		22,551
Municipal	—		926		—		—		—		—		926
Total commercial	1,148		2,531		—		4,180		18,826		79,928		106,613
Commercial real estate:
Construction and land development	—		312		—		—		3,135		209		3,656
Term	1,797		1,163		—		—		2,920		3,892		9,772
Total commercial real estate	1,797		1,475		—		—		6,055		4,101		13,428
Consumer:
Home equity credit line	—		299		1,359		51		—		705		2,414
1-4 family residential	—		325		1,944		302		829		6,452		9,852
Construction and other consumer real estate	—		97		16		42		—		62		217
Total consumer loans	—		721		3,319		395		829		7,219		12,483
Total nonaccruing	2,945		4,727		3,319		4,575		25,710		91,248		132,524
Total	$	12,473	$	43,011	$	21,480	$	7,046	$	42,091	$	201,905	$	328,006

	December 31, 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	$	202	$	3,236	$	13	$	100	$	23,207	$	34,473	$	61,231
Owner occupied	1,999		681		929		—		9,879		16,339		29,827
Total commercial	2,201		3,917		942		100		33,086		50,812		91,058
Commercial real estate:
Construction and land development	94		—		—		—		—		9,698		9,792
Term	4,696		638		166		976		2,249		20,833		29,558
Total commercial real estate	4,790		638		166		976		2,249		30,531		39,350
Consumer:
Home equity credit line	192		2,147		9,763		—		164		3,155		15,421
1-4 family residential	2,669		353		6,747		433		3,440		32,903		46,545
Construction and other consumer real estate	174		384		—		—		—		1,152		1,710
Total consumer loans	3,035		2,884		16,510		433		3,604		37,210		63,676
Total accruing	10,026		7,439		17,618		1,509		38,939		118,553		194,084
Nonaccruing
Commercial:
Commercial and industrial	28		455		—		1,879		3,577		49,617		55,556
Owner occupied	685		1,669		—		724		34		16,335		19,447
Municipal	—		951		—		—		—		—		951
Total commercial	713		3,075		—		2,603		3,611		65,952		75,954
Commercial real estate:
Construction and land development	—		333		—		—		3,156		208		3,697
Term	1,844		—		—		—		2,960		5,203		10,007
Total commercial real estate	1,844		333		—		—		6,116		5,411		13,704
Consumer:
Home equity credit line	7		500		1,400		54		—		233		2,194
1-4 family residential	—		275		2,052		136		1,180		7,299		10,942
Construction and other consumer real estate	—		101		17		48		—		44		210
Total consumer loans	7		876		3,469		238		1,180		7,576		13,346
Total nonaccruing	2,564		4,284		3,469		2,841		10,907		78,939		103,004
Total	$	12,590	$	11,723	$	21,087	$	4,350	$	49,846	$	197,492	$	297,088

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

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

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

	Three Months Ended March 31,
(In thousands)	2016			2015
Commercial:
Commercial and industrial	$	(73	)	$	(57	)
Owner occupied	(49		)	(112		)
Total commercial	(122		)	(169		)
Commercial real estate:
Construction and land development	(1		)	(37		)
Term	(79		)	(109		)
Total commercial real estate	(80		)	(146		)
Consumer:
Home equity credit line	(1		)	(1		)
1-4 family residential	(230		)	(271		)
Construction and other consumer real estate	(5		)	(7		)
Total consumer loans	(236		)	(279		)
Total decrease to interest income1	$	(438	)	$	(594	)

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)	March 31, 2016			December 31, 2015
Commercial		$	55,997		$	72,440
Commercial real estate		60,456			65,167
Consumer		9,961			11,082
Outstanding balance		$	126,414		$	148,689
Carrying amount		$	106,320		$	125,029
Less ALLL		357			945
Carrying amount, net		$	105,963		$	124,084

Schedule Of Changes In The Accretable Yield For PCI Loans

(In thousands)	Three Months Ended March 31,
	2016			2015
Balance at beginning of period	$	39,803		$	45,055
Accretion	(6,138		)	(9,583		)
Reclassification from nonaccretable difference	8,430			13,281
Disposals and other	1,010			2,178
Balance at end of period	$	43,105		$	50,931

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

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Derivative Instruments And Hedging Activities Derivative Instruments and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2016

Summary of Derivative Instruments [Abstract]

Schedule of Derivative Instruments

	March 31, 2016						December 31, 2015
	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	$	1,387,500	$	22,218	$	—	$	1,387,500	$	5,461	$	956
Total derivatives designated as hedging instruments	1,387,500		22,218		—		1,387,500		5,461		956
Derivatives not designated as hedging instruments
Interest rate swaps and forwards	103,989		740		250		40,314		—		8
Interest rate swaps for customers 1	3,449,818		84,684		89,771		3,256,190		51,353		53,843
Foreign exchange	349,891		17,721		14,448		463,064		20,824		17,761
Total derivatives not designated as hedging instruments	3,903,698		103,145		104,469		3,759,568		72,177		71,612
Total derivatives	$	5,291,198	$	125,363	$	104,469	$	5,147,068	$	77,638	$	72,568

¹ Notional amounts include both the customer swaps and the offsetting derivative contracts.

Schedule Of Gain (Loss) Of Derivative Instruments

	Three Months Ended March 31, 2016
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	20,696	$	2,997
	20,696		2,997
Fair value hedges:
Terminated swaps on long-term debt								$	—
Total derivatives designated as hedging instruments	20,696		2,997					—
Derivatives not designated as hedging instruments
Interest rate swaps and forward contracts					$	235
Interest rate swaps for customers					(509		)
Foreign exchange					2,236
Total derivatives not designated as hedging instruments					1,962
Total derivatives	$	20,696	$	2,997	$	1,962		$	—

	Three Months Ended March 31, 2015
	Amount of derivative gain (loss) recognized/reclassified
(In thousands)	OCI		Reclassified from AOCI to interest income 2		Noninterest income (expense)		Offset to interest expense
Derivatives designated as hedging instruments
Cash flow hedges 1:
Interest rate swaps	$	4,253	$	1,016
	4,253		1,016
Fair value hedges:
Terminated swaps on long-term debt							$	468
Total derivatives designated as hedging instruments	4,253		1,016				468
Derivatives not designated as hedging instruments
Interest rate swaps for customers					$	517
Futures contracts					1
Foreign exchange					2,735
Total derivatives not designated as hedging instruments					3,253
Total derivatives	$	4,253	$	1,016	$	3,253	$	468

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 change in fair value of the derivative.

²  Amounts for the three months endedMarch 31, of $3.0 million in 2016, and $1.0 million in 2015, respectively, are the amounts of reclassification to earnings from AOCI presented in Note 8.

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Debt And Shareholders' Equity (Tables)

3 Months Ended

Mar. 31, 2016

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)	March 31, 2016		December 31, 2015
Junior subordinated debentures related to trust preferred securities	$	164,950	$	164,950
Subordinated notes	246,262		246,170
Senior notes	390,367		400,334
Capital lease obligations	869		912
Total	$	802,448	$	812,366

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 March 31,
Details about AOCI components	2016		2015				Affected line item
Net realized gains (losses) on investment securities	$	28	$	(239	)	SI	Fixed income securities gains (losses), net
Income tax expense (benefit)	11		(91		)
	17		(148		)
Net unrealized gains on derivative instruments	$	2,997	$	1,016		SI	Interest and fees on loans
Income tax expense	1,139		387
	$	1,858	$	629

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
Three Months Ended March 31, 2016
Balance at December 31, 2015		$	(18,369	)		$	1,546		$	(37,789	)	$	(54,612	)
Other comprehensive income (loss) before reclassifications, net of tax		32,168				13,331			(665		)	44,834
Amounts reclassified from AOCI, net of tax		(17		)		(1,858		)	—			(1,875		)
Other comprehensive income (loss)		32,151				11,473			(665		)	42,959
Balance at March 31, 2016		$	13,782			$	13,019		$	(38,454	)	$	(11,653	)
Income tax expense included in other comprehensive income (loss)		$	20,192			$	6,920		$	665		$	27,777
Three Months Ended March 31, 2015
Balance at December 31, 2014		$	(91,921	)		$	2,226		$	(38,346	)	$	(128,041	)
Other comprehensive income before reclassifications, net of tax		11,424				2,189			—			13,613
Amounts reclassified from AOCI, net of tax		148				(629		)	—			(481		)
Other comprehensive income		11,572				1,560			—			13,132
Balance at March 31, 2015		$	(80,349	)		$	3,786		$	(38,346	)	$	(114,909	)
Income tax expense included in other comprehensive income		$	6,957			$	1,088		$	—		$	8,045

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

3 Months Ended

Mar. 31, 2016

Debt Instrument [Line Items]

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

Long-term debt is summarized as follows:

(In thousands)	March 31, 2016		December 31, 2015
Junior subordinated debentures related to trust preferred securities	$	164,950	$	164,950
Subordinated notes	246,262		246,170
Senior notes	390,367		400,334
Capital lease obligations	869		912
Total	$	802,448	$	812,366

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Fair Value (Tables)

3 Months Ended

Mar. 31, 2016

Fair Value Disclosures [Abstract]

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

(In thousands)	March 31, 2016
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	8,027,667	$	—	$	8,027,667
Municipal securities			556,073				556,073
Other debt securities			21,909				21,909
Money market mutual funds and other	59,925		36,311				96,236
	59,925		8,641,960		—		8,701,885
Trading account			65,838				65,838
Other noninterest-bearing investments:
Bank-owned life insurance			489,297				489,297
Private equity investments					119,222		119,222
Other assets:
Agriculture loan servicing and interest-only strips					17,067		17,067
Deferred compensation plan assets	82,179						82,179
Derivatives:
Interest rate swaps and forwards			22,958				22,958
Interest rate swaps for customers			84,684				84,684
Foreign currency exchange contracts	17,721						17,721
	17,721		107,642		—		125,363
	$	159,825	$	9,304,737	$	136,289	$	9,600,851
LIABILITIES
Securities sold, not yet purchased	$	6,515	$	—	$	—	$	6,515
Other liabilities:
Deferred compensation plan obligations	82,179						82,179
Derivatives:
Interest rate swaps and forwards			250				250
Interest rate swaps for customers			89,771				89,771
Foreign currency exchange contracts	14,448						14,448
	14,448		90,021		—		104,469
	$	103,142	$	90,021	$	—	$	193,163

(In thousands)	December 31, 2015
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale:
U.S. Treasury, agencies and corporations	$	—	$	7,100,844	$	—	$	7,100,844
Municipal securities			418,695				418,695
Other debt securities			22,941				22,941
Money market mutual funds and other	61,807		38,829				100,636
	61,807		7,581,309		—		7,643,116
Trading account			48,168				48,168
Other noninterest-bearing investments:
Bank-owned life insurance			485,978				485,978
Private equity investments					120,027		120,027
Other assets:
Agriculture loan servicing and interest-only strips					13,514		13,514
Deferred compensation plan assets	84,570						84,570
Derivatives:
Interest rate swaps and forwards			5,966				5,966
Interest rate swaps for customers			51,353				51,353
Foreign currency exchange contracts	20,824						20,824
	20,824		57,319		—		78,143
	$	167,201	$	8,172,774	$	133,541	$	8,473,516
LIABILITIES
Securities sold, not yet purchased	$	30,158	$	—	$	—	$	30,158
Other liabilities:
Deferred compensation plan obligations	84,570						84,570
Derivatives:
Interest rate swaps and forwards			835				835
Interest rate swaps for customers			53,843				53,843
Foreign currency exchange contracts	17,761						17,761
	17,761		54,678		—		72,439
	$	132,489	$	54,678	$	—	$	187,167

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 March 31, 2016
(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, 2015	$	—	$	—	$	—	$	120,027		$	13,514		$	—
Net gains (losses) included in:
Statement of income:
Dividends and other investment losses							(1,484		)
Equity securities losses, net							(2,009		)
Other noninterest income										3,460
Purchases							2,801			368
Sales							(36		)
Redemptions and paydowns							(77		)	(275		)
Balance at March 31, 2016	$	—	$	—	$	—	$	119,222		$	17,067		$	—

	Level 3 Instruments
	Three Months Ended March 31, 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		$	4,786		$	99,865		$	12,227		$	(13	)
Net gains (losses) included in:
Statement of income:
Accretion of purchase discount on securities available-for-sale	2			257
Dividends and other investment income										1,074
Equity securities gains, net										3,253
Fixed income securities gains (losses), net	31			(323		)
Other noninterest income													4
Other noninterest expense																13
Other comprehensive income (loss)	127			(6,949		)	42
Fair value of HTM securities transferred to AFS				57,308
Purchases										5,052			171
Sales				(2,613		)				(1,517		)
Redemptions and paydowns	(1,859		)	(2,349		)	(2		)	(279		)	(401		)
Balance at March 31, 2015	$	2,465		$	438,338		$	4,826		$	107,448		$	12,001		$	—

Schedule Of Realized Gains (Losses) Using Level 3 Inputs

(In thousands)	Three Months Ended March 31,
	2016		2015
Fixed income securities losses, net	$	—	$	(292	)

Schedule Of Assets With Fair Value Changes On Nonrecurring Basis

(In thousands)	Fair value at March 31, 2016								Fair value at December 31, 2015
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments, carried at cost	$	—	$	—	$	1,477	$	1,477	$	—	$	—	$	10,707	$	10,707
Impaired loans	—		32,162		—		32,162		—		10,991		—		10,991
Other real estate owned	—		1,695		—		1,695		—		2,388		—		2,388
	$	—	$	33,857	$	1,477	$	35,334	$	—	$	13,379	$	10,707	$	24,086

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 March 31,
	2016			2015
ASSETS
Private equity investments, carried at cost	$	(342	)	$	(1,153	)
Impaired loans	(14,728		)	(2,924		)
Other real estate owned	(37		)	(1,008		)
	$	(15,107	)	$	(5,085	)

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

	March 31, 2016
(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	$	1,587,212	$	—	$	1,587,212	$	—		$	—		$	1,587,212
Derivatives (included in other assets)	125,363		—		125,363		(22,322		)	—			103,041
	$	1,712,575	$	—	$	1,712,575	$	(22,322	)	$	—		$	1,690,253
Liabilities:
Federal funds and other short-term borrowings	$	232,188	$	—	$	232,188	$	—		$	—		$	232,188
Derivatives (included in other liabilities)	104,469		—		104,469		(22,322		)	(71,149		)	10,998
	$	336,657	$	—	$	336,657	$	(22,322	)	$	(71,149	)	$	243,186

	December 31, 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	$	619,758	$	—	$	619,758	$	—		$	—		$	619,758
Derivatives (included in other assets)	77,638		—		77,638		(5,916		)				71,722
	$	697,396	$	—	$	697,396	$	(5,916	)	$	—		$	691,480
Liabilities:
Federal funds and other short-term borrowings	$	346,987	$	—	$	346,987	$	—		$	—		$	346,987
Derivatives (included in other liabilities)	72,568		—		72,568		(5,916		)	(61,134		)	5,518
	$	419,555	$	—	$	419,555	$	(5,916	)	$	(61,134	)	$	352,505

	March 31, 2016					December 31, 2015
(In thousands)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	631,646	$	636,484	2	$	545,648	$	552,088	2
Loans and leases (including loans held for sale), net of allowance	40,915,055		40,715,842		3	40,193,374		39,535,365		3
Financial liabilities:
Time deposits	2,071,688		2,075,729		2	2,130,680		2,129,742		2
Foreign deposits	219,899		219,836		2	294,391		294,321		2
Long-term debt (less fair value hedges)	802,448		831,621		2	812,366		838,796		2

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Commitments, Guarantees, And Contingent Liabilities (Tables)

3 Months Ended

Mar. 31, 2016

Guarantees, Commitments And Contingencies [Abstract]

Schedule Of Guarantees Issued

(In thousands)	March 31, 2016		December 31, 2015
Net unfunded commitments to extend credit 1	$	17,310,427	$	17,169,785
Standby letters of credit:
Financial	643,514		661,554
Performance	203,657		216,843
Commercial letters of credit	58,567		18,447
Total unfunded lending commitments	$	18,216,165	$	18,066,629

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Retirement Plans (Tables)

3 Months Ended

Mar. 31, 2016

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
(In thousands)	Three Months Ended March 31,
	2016			2015			2016		2015		2016			2015
Service cost	$	—		$	—		$	—	$	—	$	5		$	8
Interest cost	1,762			1,783			100		101		10			10
Expected return on plan assets	(2,754		)	(3,090		)	—		—		—			—
Amortization of net actuarial (gain) loss	1,659			1,574			31		31		(17		)	(13		)
Net periodic benefit cost (credit)	$	667		$	267		$	131	$	132	$	(2	)	$	5

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Operating Segment Information (Tables)

3 Months Ended

Mar. 31, 2016

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. Following the close of business on December 31, 2015, we completed the merger of our subsidiary banks and certain non-banking subsidiaries, including Zions Management Services Company (“ZMSC”), with and into a single bank, ZB, N.A. We continue to manage our banking operations under our existing brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. Due to the charter consolidation, we have moved to an internal funds transfer pricing allocation system to report results of operations for business segments. Total average loans and deposits presented for the banking segments do not include intercompany amounts between banking segments, but may include deposits with the Other segment. Prior period amounts have been reclassified to reflect these changes.

As of March 31, 2016, Zions Bank operates 99 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 76 branches in Texas. CB&T operates 94 branches in California. NBAZ operates 65 branches in Arizona. NSB operates 49 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.

The operating segment identified as “Other” includes the Parent, ZMSC, certain nonbank financial service subsidiaries, and eliminations of transactions between segments. The Parent’s operations are significant to the Other segment. The Company’s net interest income is substantially affected by the Parent’s interest expense on long-term debt. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

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 March 31, 2016 and 2015:

(In millions)	Zions Bank						Amegy					CB&T						NBAZ					NSB
	2016			2015			2016			2015		2016			2015			2016		2015			2016			2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	153.3		$	152.0		$	119.2		$	117.8	$	108.1		$	103.8		$	46.8	$	44.2		$	30.9		$	31.1
Provision for loan losses	(30.6		)	(4.6		)	104.5			11.1		(3.1		)	(4.1		)	1.9		0.8			(25.6		)	(8.7		)
Net interest income after provision for loan losses	183.9			156.6			14.7			106.7		111.2			107.9			44.9		43.4			56.5			39.8
Noninterest income	36.0			31.5			29.1			29.2		16.1			14.2			9.5		8.2			9.5			8.9
Noninterest expense	97.0			107.5			85.6			93.0		68.5			74.1			32.4		37.2			30.8			32.6
Net Income (loss) before taxes	$	122.9		$	80.6		$	(41.8	)	$	42.9	$	58.8		$	48.0		$	22.0	$	14.4		$	35.2		$	16.1
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	12,306		$	12,101		$	10,370		$	10,276	$	8,905		$	8,502		$	3,863	$	3,764		$	2,263		$	2,384
Total deposits	15,700			15,787			11,274			11,524		10,479			9,701			4,445		4,178			4,005			3,755
	Vectra						TCBW					Other						Consolidated Company
	2016			2015			2016			2015		2016			2015			2016		2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	30.5		$	28.5		$	9.4		$	8.4	$	(45.4	)	$	(68.4	)	$	452.8	$	417.4
Provision for loan losses	(3.2		)	3.9			(1.8		)	0.2		—			(0.1		)	42.1		(1.5		)
Net interest income after provision for loan losses	33.7			24.6			11.2			8.2		(45.4		)	(68.3		)	410.7		418.9
Noninterest income	5.8			5.0			0.9			0.9		9.9			19.4			116.8		117.3
Noninterest expense	21.4			24.0			5.0			7.8		54.9			16.8			395.6		393.0
Net Income (loss) before taxes	$	18.1		$	5.6		$	7.1		$	1.3	$	(90.4	)	$	(65.7	)	$	131.9	$	143.2
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	2,453		$	2,358		$	733		$	713	$	110		$	81		$	41,003	$	40,179
Total deposits	2,759			2,456			953			830		(60		)	(747		)	49,555		47,484

Schedule of Segment Reporting Information, by Segment

(In millions)	Zions Bank						Amegy					CB&T						NBAZ					NSB
	2016			2015			2016			2015		2016			2015			2016		2015			2016			2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	153.3		$	152.0		$	119.2		$	117.8	$	108.1		$	103.8		$	46.8	$	44.2		$	30.9		$	31.1
Provision for loan losses	(30.6		)	(4.6		)	104.5			11.1		(3.1		)	(4.1		)	1.9		0.8			(25.6		)	(8.7		)
Net interest income after provision for loan losses	183.9			156.6			14.7			106.7		111.2			107.9			44.9		43.4			56.5			39.8
Noninterest income	36.0			31.5			29.1			29.2		16.1			14.2			9.5		8.2			9.5			8.9
Noninterest expense	97.0			107.5			85.6			93.0		68.5			74.1			32.4		37.2			30.8			32.6
Net Income (loss) before taxes	$	122.9		$	80.6		$	(41.8	)	$	42.9	$	58.8		$	48.0		$	22.0	$	14.4		$	35.2		$	16.1
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	12,306		$	12,101		$	10,370		$	10,276	$	8,905		$	8,502		$	3,863	$	3,764		$	2,263		$	2,384
Total deposits	15,700			15,787			11,274			11,524		10,479			9,701			4,445		4,178			4,005			3,755
	Vectra						TCBW					Other						Consolidated Company
	2016			2015			2016			2015		2016			2015			2016		2015
SELECTED INCOME STATEMENT DATA
Net interest income	$	30.5		$	28.5		$	9.4		$	8.4	$	(45.4	)	$	(68.4	)	$	452.8	$	417.4
Provision for loan losses	(3.2		)	3.9			(1.8		)	0.2		—			(0.1		)	42.1		(1.5		)
Net interest income after provision for loan losses	33.7			24.6			11.2			8.2		(45.4		)	(68.3		)	410.7		418.9
Noninterest income	5.8			5.0			0.9			0.9		9.9			19.4			116.8		117.3
Noninterest expense	21.4			24.0			5.0			7.8		54.9			16.8			395.6		393.0
Net Income (loss) before taxes	$	18.1		$	5.6		$	7.1		$	1.3	$	(90.4	)	$	(65.7	)	$	131.9	$	143.2
SELECTED AVERAGE BALANCE SHEET DATA
Total loans	$	2,453		$	2,358		$	733		$	713	$	110		$	81		$	41,003	$	40,179
Total deposits	2,759			2,456			953			830		(60		)	(747		)	49,555		47,484

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Basis of Presentaion (Details)	Mar. 31, 2016 States
Basis Of Presentation [Abstract]
Number of States in which Entity Operates	11

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Supplemental Cash Flow Information (Schedule Of Noncash Activities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Other Significant Noncash Transactions [Line Items]
Loans and Leases Transfered to Other Real Estate Owned	$ 5,998	$ 3,568
Loans Held for Sale Reclassified as Loans Held For Investment	1,976	13,138
Amortized Cost of HTM Securities Reclassified as AFS Securities	$ 0	$ 79,276

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Offsetting Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Federal Funds Sold and Securities Borrowed or Purchased under Agreements to Resell [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	$ 1,587,212	$ 619,758
Gross amounts recognized	1,587,212	619,758
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	1,587,212	619,758
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	103,041	71,722
Gross amounts recognized	125,363	77,638
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	125,363	77,638
Gross amounts not offset in the balance sheet	(22,322)	$ (5,916)
Cash Collateral Received/Pledged	0
Assets, Total [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	1,690,253	$ 691,480
Gross amounts recognized	1,712,575	697,396
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	1,712,575	697,396
Gross amounts not offset in the balance sheet	(22,322)	(5,916)
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	232,188	346,987
Gross amounts recognized	232,188	346,987
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	232,188	346,987
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	10,998	5,518
Gross amounts recognized	104,469	72,568
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	104,469	72,568
Gross amounts not offset in the balance sheet	(22,322)	(5,916)
Cash Collateral Received/Pledged	(71,149)	(61,134)
Liabilities, Total [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	243,186	352,505
Gross amounts recognized	336,657	419,555
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	336,657	419,555
Gross amounts not offset in the balance sheet	(22,322)	(5,916)
Cash Collateral Received/Pledged	$ (71,149)	$ (61,134)

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Investment Securities (Narrative) (Details) $ in Thousands			6 Months Ended	12 Months Ended
	Mar. 31, 2016 USD ($) Securities yr	Dec. 31, 2015 USD ($) Securities	Jun. 30, 2015 USD ($)	Dec. 31, 2015 USD ($) Securities
Investment [Line Items]
Sale of CDO, Amortized Cost			$ 574,000
Held-to-maturity, Amortized cost	$ 631,646
Private equity investments prohibited by Volker rule	$ 16,000
Number of HTM investment securities in an unrealized loss position | Securities	157	187		187
Number of AFS investment securities in an unrealized loss position | Securities	684	709		709
Carrying value of pledged securities	$ 2,000,000	$ 2,300,000		$ 2,300,000
Private Equity Investments	134,000
Realized Losses on Sales of CDOs			(137,000)
Private Equity Investments Sold Prohibited by Volcker Rule				9,000
Commitments for Private Equity and Other Noninterest-bearing Investments	20,000
Commitments for Private Equity or Other Non-Interest Bearing Investments Prohibited by the Volcker Rule	$ 6,000
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	$ 631,646	545,648		$ 545,648
Held To Maturity Securities Gross Unrealized Losses	$ 6,681	$ 4,778
Asset-backed Securities [Member] | Trust Preferred Securities - Banks And Insurance [Member]
Investment [Line Items]
Held-to-maturity, Amortized cost			$ 79,000

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Investment Securities (Summary Of Investment Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Jun. 30, 2015
Investment [Line Items]
Held-to-maturity, Amortized cost	$ 631,646
Available-for-sale Debt Securities, Amortized Cost Basis	8,582,905	$ 7,571,978
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	50,874	27,163
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	28,130	56,661
Available-for-sale debt securities, Estimated fair value	8,605,649	7,542,480
Available-for-sale Securities, Gross Unrealized Gain	50,978	27,224
Available-for-sale, Amortized cost	8,679,037	7,672,590
Available-for-sale, Gross unrealized losses, Recognized in OCI	28,130	56,698
Available-for-sale securities, Estimated fair value	8,701,885	7,643,116
amortized cost of investment securities	9,310,683	8,218,238
Gross Unrealized Gains of Investment Securities Recognized in OCI	62,497	38,442
Gross Unrealized Losses of Investment Securities Recognized in OCI	34,811	61,476
Estimated Fair Value of Investment Securities	9,338,369	8,195,204
Mutual Funds And Stock [Member]
Investment [Line Items]
Available-for-sale Securities, Gross Unrealized Gain	104	61
Available-for-sale, Amortized cost	96,132	100,612
Available-for-sale, Gross unrealized losses, Recognized in OCI	0	37
Available-for-sale securities, Estimated fair value	96,236	100,636
Municipal Securities [Member]
Investment [Line Items]
Held-to-maturity, fair value	636,484	552,088
Held-to-maturity, Amortized cost	631,646	545,648
Available-for-sale Debt Securities, Amortized Cost Basis	552,872	417,374
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	4,391	2,177
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	1,190	856
Available-for-sale debt securities, Estimated fair value	556,073	418,695
Held-to-maturity Securities, Unrecognized Holding Gain	11,519	11,218
Held-to-maturity Securities, Unrecognized Holding Loss	6,681	4,778
Available-for-sale Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	25,434	25,454
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	3,672	2,665
Available-for-sale, Other debt securities [Member]
Investment [Line Items]
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	147	152
Available-for-sale debt securities, Estimated fair value	21,909	22,941
Trust Preferred Securities - Banks And Insurance [Member] | Asset-backed Securities [Member]
Investment [Line Items]
Held-to-maturity, Amortized cost			$ 79,000
Agency Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	1,497,652	1,231,740
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	14,055	4,313
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	856	2,658
Available-for-sale debt securities, Estimated fair value	1,510,851	1,233,395
Agency Guaranteed Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	4,487,279	3,964,593
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	17,801	7,919
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	9,091	36,037
Available-for-sale debt securities, Estimated fair value	4,495,989	3,936,475
Small Business Administration Loan-Backed Securities [Member]
Investment [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis	2,019,668	1,932,817
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	14,480	12,602
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	13,321	14,445
Available-for-sale debt securities, Estimated fair value	$ 2,020,827	$ 1,930,974

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Investment Securities (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Investments [Abstract]
Held-to-maturity Securities, Debt Maturities, Next Rolling Twelve Months, Amortized Cost	$ 69,225
Held-to-maturity, Due in one year or less, Estimated fair value	69,515
Held-to-maturity, Due after one year through five years, Amortized cost	238,605
Held-to-maturity, Due after one year through five years, Estimated fair value	242,328
Held-to-maturity, Due after five years through ten years, Amortized cost	203,989
Held-to-maturity, Due after five years through ten years, Estimated fair value	207,198
Held-to-maturity Securities, Debt Maturities, Rolling after Ten Years, Amortized Cost	119,827
Held-to-maturity, Due after ten years, Estimated fair value	117,443
Held-to-maturity, Amortized cost	631,646
Held-to-maturity, fair value	636,484
Available-for-sale, Due in one year or less, Amortized cost	1,187,108
Available-for-sale, Due in one year or less, Estimated fair value	1,189,787
Available-for-sale, Due after one year through five years, Amortized cost	3,483,268
Available-for-sale, Due after one year through five years, Estimated fair value	3,491,732
Available-for-sale, Due after five years through ten years, Amortized cost	2,769,584
Available-for-sale, Due after five years through ten years, Estimated fair value	2,781,632
Available-for-sale, Due after ten years, Amortized cost	1,142,945
Available-for-sale, Due after ten years, Estimated fair value	1,142,498
Available-for-sale, Amortized cost	8,582,905	$ 7,571,978
Available-for-sale, Estimated fair value	$ 8,605,649	$ 7,542,480

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Investment Securities (Summary Of Amount Of Gross Unrealized Losses For Debt Securities And Estimated Fair Value) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	$ 12,632	$ 42,879
Available-for-sale, Less than 12 months - Estimated fair value	2,686,960	4,904,774
Available-for-sale, 12 months or more - Gross unrealized losses	15,498	13,819
Available-for-sale, 12 months or more - Estimated fair value	832,896	750,132
Available-for-sale, Total - Gross unrealized losses	28,130	56,698
Available-for-sale, Total - Estimated fair value	3,519,856	5,654,906
Investment Securities Gross Unrealized Losses Less Than 12 Months	18,584	47,400
Investment Securities Estimated Fair Value Less Than 12 Months	2,880,697	5,026,971
Investment Securities Gross Unrealized Losses 12 Months or More	16,227	14,076
Investment Securities Estimated Fair Value 12 Months or More	845,376	763,944
Investment Securities Gross Unrealized Losses Total	34,811	61,476
Investment Securities Estimated Fair Value Total	3,726,073	5,790,915
Municipal Securities [Member]
Investment [Line Items]
Held-to-maturity, Less than 12 months - Gross unrealized losses	5,952	4,521
Held-to-maturity, Less than 12 months - Estimated fair value	193,737	122,197
Held-to-maturity, 12 months or more - Gross unrealized losses	729	257
Held-to-maturity, 12 months or more - Estimated fair value	12,480	13,812
Held-to-maturity, Total - Gross unrealized losses	6,681	4,778
Held-to-maturity, Total - Estimated fair value	206,217	136,009
Available-for-sale, Less than 12 months - Gross unrealized losses	935	735
Available-for-sale, Less than 12 months - Estimated fair value	140,612	102,901
Available-for-sale, 12 months or more - Gross unrealized losses	255	121
Available-for-sale, 12 months or more - Estimated fair value	14,231	5,733
Available-for-sale, Total - Gross unrealized losses	1,190	856
Available-for-sale, Total - Estimated fair value	154,843	108,634
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	312	2,176
Available-for-sale, Less than 12 months - Estimated fair value	299,591	559,196
Available-for-sale, 12 months or more - Gross unrealized losses	544	482
Available-for-sale, 12 months or more - Estimated fair value	129,191	131,615
Available-for-sale, Total - Gross unrealized losses	856	2,658
Available-for-sale, Total - Estimated fair value	428,782	690,811
Agency Guaranteed Mortgage-Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	6,836	34,583
Available-for-sale, Less than 12 months - Estimated fair value	1,707,106	3,639,824
Available-for-sale, 12 months or more - Gross unrealized losses	2,255	1,454
Available-for-sale, 12 months or more - Estimated fair value	149,293	65,071
Available-for-sale, Total - Gross unrealized losses	9,091	36,037
Available-for-sale, Total - Estimated fair value	1,856,399	3,704,895
Small Business Administration Loan-Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	4,549	5,348
Available-for-sale, Less than 12 months - Estimated fair value	539,651	567,365
Available-for-sale, 12 months or more - Gross unrealized losses	8,772	9,097
Available-for-sale, 12 months or more - Estimated fair value	528,850	535,376
Available-for-sale, Total - Gross unrealized losses	13,321	14,445
Available-for-sale, Total - Estimated fair value	1,068,501	1,102,741
Mutual Funds And Other [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	0	37
Available-for-sale, Less than 12 months - Estimated fair value	0	35,488
Available-for-sale, 12 months or more - Gross unrealized losses	0	0
Available-for-sale, 12 months or more - Estimated fair value	0	0
Available-for-sale, Total - Gross unrealized losses	0	37
Available-for-sale, Total - Estimated fair value	0	35,488
Available-for-sale Securities [Member]
Investment [Line Items]
Available-for-sale, Less than 12 months - Gross unrealized losses	12,632	42,842
Available-for-sale, Less than 12 months - Estimated fair value	2,686,960	4,869,286
Available-for-sale, 12 months or more - Gross unrealized losses	15,498	13,819
Available-for-sale, 12 months or more - Estimated fair value	832,896	750,132
Available-for-sale, Total - Gross unrealized losses	28,130	56,661
Available-for-sale, Total - Estimated fair value	3,519,856	5,619,418
Available-for-sale Securities [Member] | Municipal Securities [Member]
Investment [Line Items]
Available-for-sale, 12 months or more - Gross unrealized losses	3,672
Available-for-sale, 12 months or more - Estimated fair value	11,331
Available-for-sale, Total - Gross unrealized losses	3,672	2,665
Available-for-sale, Total - Estimated fair value	$ 11,331	12,337
Asset-backed Securities [Member] | Other Credit Derivatives [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
Available-for-sale, 12 months or more - Gross unrealized losses		2,665
Available-for-sale, 12 months or more - Estimated fair value		$ 12,337

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Investment Securities (Rollforward Of Total Amount Of Credit-Related OTTI) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Investment [Line Items]
Balance of credit-related OTTI at beginning of period	$ 0	$ 104,551
Reductions for securities sold during the period	0	1,313
Balance of credit-related OTTI at end of period	0	(103,238)
Transfer of Securities from HTM to AFS	0	0
Held-to-maturity Securities [Member]
Investment [Line Items]
Balance of credit-related OTTI at beginning of period	0	9,079
Reductions for securities sold during the period	0	0
Balance of credit-related OTTI at end of period	0	0
Transfer of Securities from HTM to AFS	0	9,079
Available-for-sale Securities [Member]
Investment [Line Items]
Balance of credit-related OTTI at beginning of period	0	95,472
Reductions for securities sold during the period	0	1,313
Balance of credit-related OTTI at end of period	0	(103,238)
Transfer of Securities from HTM to AFS	$ 0	$ (9,079)

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Investment Securities (Gains And Losses, Including OTTI, Recognized In Statement Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Investments [Abstract]
Investment securities, Held-to-maturity, Gross gains	$ 0	$ 1
Other than Temporary Impairment Losses, Investments, Held-to-maturity Securities	0	0
Investment securities, Available-for-sale, Gross gains	30	958
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	2	1,198
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	3,187	3,595
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	3,737	242
Total investment securities and other noninterest-bearing investments, Gross gains	3,217	4,554
Total investment securities and other noninterest-bearing investments, Gross losses	3,739	1,440
Net losses	(522)	3,114
Equity securities gains (losses)	(550)	3,353
Fixed income securities gains (losses), net	$ 28	$ (239)

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Investment Securities Taxable and Nontaxable Interest Income by Investment Type (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Noninterest Income	$ 47,364	$ 27,473
Taxable [Member]
Noninterest Income	42,683	23,958
Nontaxable [Member]
Noninterest Income	4,681	3,515
Held-to-maturity Securities [Member]
Noninterest Income	5,330	6,454
Held-to-maturity Securities [Member] | Taxable [Member]
Noninterest Income	2,604	3,592
Held-to-maturity Securities [Member] | Nontaxable [Member]
Noninterest Income	2,726	2,862
Available-for-sale Securities [Member]
Noninterest Income	41,562	20,421
Available-for-sale Securities [Member] | Taxable [Member]
Noninterest Income	39,607	19,768
Available-for-sale Securities [Member] | Nontaxable [Member]
Noninterest Income	1,955	653
Trading Securities [Member]
Noninterest Income	472	598
Trading Securities [Member] | Taxable [Member]
Noninterest Income	472	598
Trading Securities [Member] | Nontaxable [Member]
Noninterest Income	$ 0	$ 0

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Loans And Allowance For Credit Losses (Narrative) (Details)		3 Months Ended		12 Months Ended
		Mar. 31, 2016 USD ($) mo Billing_Cycles d Payments	Mar. 31, 2015 USD ($)	Mar. 31, 2016 USD ($)	Mar. 31, 2015 USD ($)	Dec. 31, 2015 USD ($)
Loans And Allowance For Credit Losses [Line Items]
Unfunded Lending Commitments on Troubled Debt Restructuring		$ 1,600,000		$ 1,600,000		$ 7,500,000
Loans and Leases Receivable, Gross		41,418,185,000		41,418,185,000		40,649,542,000
Financing Receivable, Recorded Investment, Current		41,131,196,000		41,131,196,000		40,363,353,000
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		(400,000)	$ (800,000)
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		6,746,000	2,424,000	180,300,000	$ 74,500,000
Unearned income and fees, net of related costs		148,500,000		148,500,000		150,300,000
Owner occupied and commercial real estate loans, unamortized premiums		24,900,000		24,900,000		26,200,000
Land Development Loans		286,800,000		286,800,000		288,000,000
Loans at carrying value pledged as collateral for current and potential borrowings		25,300,000,000		25,300,000,000		19,400,000,000
Payments for Origination and Purchases of Loans Held-for-sale		235,700,000	309,700,000
Loans and Leases Receivable, Gain (Loss) on Sales, Net		3,000,000	4,600,000
Principle amount of loans held for sale sold		273,200,000	300,400,000
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		$ 174,500,000		174,500,000		188,000,000
Total reversal amount to ALLL		400,000	1,400,000
Additional interest income due to increased cash flows from acquired loans		4,500,000	7,400,000
Provision for Loan and Lease Losses		42,145,000	(1,494,000)
Provision for Unfunded Lending Commitments		5,812,000	(1,211,000)
Other Real Estate, Foreclosed Assets, and Repossessed Assets		3,400,000		3,400,000		500,000
Other Real Estate, In Process of Forecloseing Assets		11,300,000		11,300,000		12,500,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		149,270,000		149,270,000		147,980,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		137,719,000		137,719,000		138,209,000
Financing Receivable, Recorded Investment, Past Due		286,989,000		286,989,000		286,189,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		37,202,000		37,202,000		32,024,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	392,322,000		392,322,000		217,427,000
Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		$ 21,745,253,000		21,745,253,000		21,479,014,000
Subsequent payment default period, number of days | d		90
Provision for Loan and Lease Losses		$ 45,875,000	24,934,000
Provision for Unfunded Lending Commitments		1,429,000	(3,844,000)
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		$ 8,878,855,000		8,878,855,000		8,814,625,000
Subsequent payment default period, number of days | d		60
Provision for Loan and Lease Losses		$ (5,431,000)	459,000
Provision for Unfunded Lending Commitments		616,000	53,000
Financing Receivable, Recorded Investment, Nonaccrual Status		202,000		202,000		186,000
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		8,878,855,000		8,878,855,000		8,814,625,000
Financing Receivable, Recorded Investment, Current		8,827,112,000		8,827,112,000		8,750,302,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23,868,000		23,868,000		30,646,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		27,875,000		27,875,000		33,677,000
Financing Receivable, Recorded Investment, Past Due		51,743,000		51,743,000		64,323,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,169,000		1,169,000		3,590,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	26,508,000		26,508,000		24,629,000
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		188,451,000		188,451,000		187,149,000
Financing Receivable, Recorded Investment, Current		187,760,000		187,760,000		186,436,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		630,000		630,000		647,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		61,000		61,000		66,000
Financing Receivable, Recorded Investment, Past Due		691,000		691,000		713,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	78,000		78,000		83,000
Commercial and Industrial Sector [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		13,590,238,000		13,590,238,000		13,211,481,000
Financing Receivable, Recorded Investment, Current		13,464,106,000		13,464,106,000		13,114,045,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		90,610,000		90,610,000		60,523,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,522,000		35,522,000		36,913,000
Financing Receivable, Recorded Investment, Past Due		126,132,000		126,132,000		97,436,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		4,388,000		4,388,000		3,065,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	287,662,000		287,662,000		117,942,000
Finance Leases Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		437,150,000		437,150,000		441,666,000
Financing Receivable, Recorded Investment, Current		436,597,000		436,597,000		440,963,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		59,000		59,000		183,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		494,000		494,000		520,000
Financing Receivable, Recorded Investment, Past Due		553,000		553,000		703,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	13,613,000		13,613,000		3,309,000
Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		7,022,429,000		7,022,429,000		7,150,028,000
Financing Receivable, Recorded Investment, Current		6,965,082,000		6,965,082,000		7,085,086,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,987,000		21,987,000		37,776,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,360,000		35,360,000		27,166,000
Financing Receivable, Recorded Investment, Past Due		57,347,000		57,347,000		64,942,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		13,350,000		13,350,000		3,626,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	46,289,000		46,289,000		43,984,000
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		695,436,000		695,436,000		675,839,000
Financing Receivable, Recorded Investment, Current		695,436,000		695,436,000		668,207,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0		7,586,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0		46,000
Financing Receivable, Recorded Investment, Past Due		0		0		7,632,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		46,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	926,000		926,000		951,000
Commercial Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		21,745,253,000		21,745,253,000		21,479,014,000
Financing Receivable, Recorded Investment, Current		21,561,221,000		21,561,221,000		21,308,301,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		112,656,000		112,656,000		106,068,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		71,376,000		71,376,000		64,645,000
Financing Receivable, Recorded Investment, Past Due		184,032,000		184,032,000		170,713,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,738,000		17,738,000		6,737,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	348,490,000		348,490,000		166,186,000
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		1,967,702,000		1,967,702,000		1,841,502,000
Financing Receivable, Recorded Investment, Current		1,960,562,000		1,960,562,000		1,835,360,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		2,573,000		2,573,000		842,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4,567,000		4,567,000		5,300,000
Financing Receivable, Recorded Investment, Past Due		7,140,000		7,140,000		6,142,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1,533,000		1,533,000		1,745,000
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		8,826,375,000		8,826,375,000		8,514,401,000
Financing Receivable, Recorded Investment, Current		8,782,301,000		8,782,301,000		8,469,390,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,173,000		10,173,000		10,424,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		33,901,000		33,901,000		34,587,000
Financing Receivable, Recorded Investment, Past Due		44,074,000		44,074,000		45,011,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295,000		18,295,000		21,697,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	15,791,000		15,791,000		24,867,000
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		10,794,077,000		10,794,077,000		10,355,903,000
Financing Receivable, Recorded Investment, Current		10,742,863,000		10,742,863,000		10,304,750,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		12,746,000		12,746,000		11,266,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		38,468,000		38,468,000		39,887,000
Financing Receivable, Recorded Investment, Past Due		51,214,000		51,214,000		51,153,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295,000		18,295,000		21,697,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17,324,000		17,324,000		26,612,000
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,432,632,000		2,432,632,000		2,416,357,000
Financing Receivable, Recorded Investment, Current		2,420,364,000		2,420,364,000		2,407,972,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		7,015,000		7,015,000		4,717,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,253,000		5,253,000		3,668,000
Financing Receivable, Recorded Investment, Past Due		12,268,000		12,268,000		8,385,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4,604,000		4,604,000		3,053,000
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		5,417,810,000		5,417,810,000		5,382,099,000
Financing Receivable, Recorded Investment, Current		5,386,087,000		5,386,087,000		5,340,549,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,617,000		10,617,000		14,828,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21,106,000		21,106,000		26,722,000
Financing Receivable, Recorded Investment, Past Due		31,723,000		31,723,000		41,550,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		321,000		321,000		1,036,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	20,131,000		20,131,000		20,939,000
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		401,422,000		401,422,000		385,240,000
Financing Receivable, Recorded Investment, Current		397,809,000		397,809,000		374,987,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3,365,000		3,365,000		8,593,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		248,000		248,000		1,660,000
Financing Receivable, Recorded Investment, Past Due		3,613,000		3,613,000		10,253,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		1,337,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	355,000		355,000		408,000
Revolving Credit Facility [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		438,540,000		438,540,000		443,780,000
Financing Receivable, Recorded Investment, Current		435,092,000		435,092,000		440,358,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		2,241,000		2,241,000		1,861,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1,207,000		1,207,000		1,561,000
Financing Receivable, Recorded Investment, Past Due		3,448,000		3,448,000		3,422,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		848,000		848,000		1,217,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1,340,000		1,340,000		146,000
Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		195,482,000		195,482,000		194,084,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350,000	110,000
Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		328,006,000		328,006,000		297,088,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,396,000	$ 2,314,000
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 12,483,000		$ 12,483,000		$ 13,346,000

[1] 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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Loans And Allowance For Credit Losses (Summary Of Major Portfolio Segment And Specific Loan Class) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	$ (400)	$ (800)
Balance at end of period	611,894	620,013
Loans held for sale	108,764		$ 149,880
Commercial and industrial	13,590,238		13,211,481
Leasing	437,150		441,666
Owner occupied	7,022,429		7,150,028
Municipal	695,436		675,839
Construction and land development	1,967,702		1,841,502
Term	8,826,375		8,514,401
Provision for loan losses	(42,145)	1,494
Change In Allowance Covered By F D I C Indemnification	0	38
Allowance for Loan and Lease Losses, Write-offs	(48,110)	(20,188)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	11,811	37,070
Net loan and lease charge-offs	(36,299)	16,882
Reserve for unfunded lending commitments	69,026	82,287	74,838	$ 81,076
Provision for Unfunded Lending Commitments	5,812	(1,211)
Total allowance for credit losses	680,920	702,300
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	30,195	46,326
Provision for loan losses	5,431	$ (459)
Change In Allowance Covered By F D I C Indemnification	0
Allowance for Loan and Lease Losses, Write-offs	(3,905)	$ (3,611)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	1,752	2,338
Net loan and lease charge-offs	(2,153)	(1,273)
Reserve for unfunded lending commitments	0	575	616	628
Provision for Unfunded Lending Commitments	616	53
Total allowance for credit losses	30,195	46,901
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	117,712	131,615
Construction and land development	1,967,702		1,841,502
Term	8,826,375		8,514,401
Provision for loan losses	(1,701)	$ 26,887
Change In Allowance Covered By F D I C Indemnification	0
Allowance for Loan and Lease Losses, Write-offs	(975)	$ (626)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	2,994	14,119
Net loan and lease charge-offs	2,019	13,493
Reserve for unfunded lending commitments	12,759	18,937	16,526	21,517
Provision for Unfunded Lending Commitments	3,767	2,580
Total allowance for credit losses	130,471	150,552
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	463,987	442,072
Commercial and industrial	13,590,238		13,211,481
Leasing	437,150		441,666
Owner occupied	7,022,429		7,150,028
Municipal	695,436		675,839
Provision for loan losses	(45,875)	(24,934)
Change In Allowance Covered By F D I C Indemnification	0	38
Allowance for Loan and Lease Losses, Write-offs	(43,230)	(15,951)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	7,065	20,613
Net loan and lease charge-offs	(36,165)	4,662
Reserve for unfunded lending commitments	56,267	62,775	$ 57,696	$ 58,931
Provision for Unfunded Lending Commitments	1,429	(3,844)
Total allowance for credit losses	$ 520,254	$ 504,847

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Loans And Allowance For Credit Losses (Summary Of Changes In The Allowance For Credit Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	$ (42,145)	$ 1,494
Change In Allowance Covered By F D I C Indemnification	0	(38)
Allowance for Loan and Lease Losses, Write-offs	(48,110)	(20,188)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	606,048	604,663
Net loan and lease charge-offs	(36,299)	16,882
Balance at end of period	69,026	82,287
Allowance for loan losses	606,048	604,663	$ 611,894	$ 606,048	$ 620,013	$ 604,663
Reserve for unfunded lending commitments	69,026	82,287	69,026	74,838	82,287	81,076
Total allowance for credit losses			680,920		702,300
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	11,811	37,070
Provision for Unfunded Lending Commitments	(5,812)	1,211
Balance at end of period	611,894	620,013
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(45,875)	(24,934)
Change In Allowance Covered By F D I C Indemnification	0	(38)
Allowance for Loan and Lease Losses, Write-offs	(43,230)	(15,951)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	454,277	412,514
Net loan and lease charge-offs	(36,165)	4,662
Balance at end of period	56,267	62,775
Allowance for loan losses	454,277	412,514	463,987	454,277	442,072	412,514
Reserve for unfunded lending commitments	56,267	62,775	56,267	57,696	62,775	58,931
Total allowance for credit losses			520,254		504,847
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	7,065	20,613
Provision for Unfunded Lending Commitments	(1,429)	3,844
Balance at end of period	463,987	442,072
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(1,701)	$ 26,887
Change In Allowance Covered By F D I C Indemnification	0
Allowance for Loan and Lease Losses, Write-offs	(975)	$ (626)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	113,992	145,009
Net loan and lease charge-offs	2,019	13,493
Balance at end of period	12,759	18,937
Allowance for loan losses	113,992	145,009	117,712	113,992	131,615	145,009
Reserve for unfunded lending commitments	12,759	18,937	12,759	16,526	18,937	21,517
Total allowance for credit losses			130,471		150,552
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	2,994	14,119
Provision for Unfunded Lending Commitments	(3,767)	(2,580)
Balance at end of period	117,712	131,615
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	5,431	$ (459)
Change In Allowance Covered By F D I C Indemnification	0
Allowance for Loan and Lease Losses, Write-offs	(3,905)	$ (3,611)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	37,779	47,140
Net loan and lease charge-offs	(2,153)	(1,273)
Balance at end of period	0	575
Allowance for loan losses	37,779	47,140	30,195	37,779	46,326	47,140
Reserve for unfunded lending commitments	0	575	0	$ 616	575	$ 628
Total allowance for credit losses			$ 30,195		$ 46,901
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	1,752	2,338
Provision for Unfunded Lending Commitments	(616)	(53)
Balance at end of period	$ 30,195	$ 46,326

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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
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	$ 618,858	$ 620,253
Impaired Financing Receivable, Interest Income, Accrual Method	8,908	12,470
Allowance for loan losses: Individually evaluated for impairment	(87,264)		$ (49,525)
Allowance for loan losses: Collectively evaluated for impairment	524,273		555,578
Allowance for loan losses: Purchased loans with evidence of credit deterioration	357		945
Allowance for loan losses: Total	611,894	620,013	606,048	$ 604,663
Outstanding loan balances: Individually evaluated for impairment	660,104		489,575
Outstanding loan balances: Collectively evaluated for impairment	40,651,761		40,035,044
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	106,320		124,923
Total loans	41,418,185		40,649,542
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	281,841	160,013
Impaired Financing Receivable, Interest Income, Accrual Method	1,472	1,451
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	122,241	177,568
Impaired Financing Receivable, Interest Income, Accrual Method	2,431	4,092
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Individually evaluated for impairment	(76,987)		(36,909)
Allowance for loan losses: Collectively evaluated for impairment	386,943		417,295
Allowance for loan losses: Purchased loans with evidence of credit deterioration	57		73
Allowance for loan losses: Total	463,987	442,072	454,277	412,514
Outstanding loan balances: Individually evaluated for impairment	477,363		289,629
Outstanding loan balances: Collectively evaluated for impairment	21,219,580		21,129,125
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	48,310		60,260
Total loans	21,745,253		21,479,014
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	14,293	38,736
Impaired Financing Receivable, Interest Income, Accrual Method	513	569
Allowance for loan losses: Total	117,712	131,615	113,992	145,009
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	2,502	4,748
Impaired Financing Receivable, Interest Income, Accrual Method	107	285
Allowance for loan losses: Individually evaluated for impairment	(7,230)		(9,462)
Allowance for loan losses: Collectively evaluated for impairment	22,882		27,866
Allowance for loan losses: Purchased loans with evidence of credit deterioration	83		451
Allowance for loan losses: Total	30,195	46,326	37,779	$ 47,140
Outstanding loan balances: Individually evaluated for impairment	86,957		92,605
Outstanding loan balances: Collectively evaluated for impairment	8,782,839		8,712,079
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	9,059		9,941
Total loans	8,878,855		8,814,625
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	405,014	338,614
Impaired Financing Receivable, Interest Income, Accrual Method	3,903	5,543
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	106,236	143,496
Impaired Financing Receivable, Interest Income, Accrual Method	3,458	5,008
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	120,529	182,232
Impaired Financing Receivable, Interest Income, Accrual Method	3,971	5,577
Allowance for loan losses: Individually evaluated for impairment	(3,047)		(3,154)
Allowance for loan losses: Collectively evaluated for impairment	114,448		110,417
Allowance for loan losses: Purchased loans with evidence of credit deterioration	217		421
Allowance for loan losses: Total	117,712		113,992
Outstanding loan balances: Individually evaluated for impairment	95,784		107,341
Outstanding loan balances: Collectively evaluated for impairment	10,649,342		10,193,840
Financing Receivable Allowance For Credit Losses and Receivables Acquired With Deteriorated Credit Quality	48,951		54,722
Total loans	10,794,077		$ 10,355,903
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	24,730	25,386
Impaired Financing Receivable, Interest Income, Accrual Method	386	413
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	63,166	66,711
Impaired Financing Receivable, Interest Income, Accrual Method	477	510
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	2,917	2,560
Impaired Financing Receivable, Interest Income, Accrual Method	48	42
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	2
Impaired Financing Receivable, Interest Income, Accrual Method	16	100
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	93,315	99,407
Impaired Financing Receivable, Interest Income, Accrual Method	1,034	1,350
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	932	1,033
Impaired Financing Receivable, Interest Income, Accrual Method	$ 0	$ 0

XML

Loans And Allowance For Credit Losses (Summary Of Nonaccrual Loans) (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	[1]	$ 392,322	$ 217,427
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		6,152	7,045
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		202	186
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		356,034	163,906
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		14,107	3,829
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		74,369	73,881
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		926	951
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		445,436	242,567
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		33,051	40,253
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		39,203	47,298
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		10,700	8,270
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		43,791	50,254
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		645	748
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		1,791	537
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		57,129	59,995
Financing Receivables, Total [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		$ 541,768	$ 349,860

[1] 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

Loans And Allowance For Credit Losses (Summary Of Past Due Loans (Accruing And Nonaccruing)) (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 6,746	$ 2,424	$ 180,300	$ 74,500
Financing Receivable, Recorded Investment, Current		41,131,196		41,131,196		$ 40,363,353
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		149,270		149,270		147,980
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		137,719		137,719		138,209
Total past due		286,989		286,989		286,189
Total loans		41,418,185		41,418,185		40,649,542
Accruing loans 90+ days past due		37,202		37,202		32,024
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	392,322		392,322		217,427
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		21,745,253		21,745,253		21,479,014
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		6,586	1,030
Financing Receivable, Recorded Investment, Nonaccrual Status		445,436		445,436		242,567
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Financing Receivable, Recorded Investment, Nonaccrual Status		6,152		6,152		7,045
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		8,878,855		8,878,855		8,814,625
Financing Receivable, Recorded Investment, Nonaccrual Status		202		202		186
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Financing Receivable, Recorded Investment, Nonaccrual Status		57,129		57,129		59,995
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		356,034		356,034		163,906
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		14,107		14,107		3,829
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,594	986
Financing Receivable, Recorded Investment, Nonaccrual Status		74,369		74,369		73,881
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		926		926		951
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status		33,051		33,051		40,253
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Total loans		10,794,077		10,794,077		10,355,903
Financing Receivable, Recorded Investment, Nonaccrual Status		39,203		39,203		47,298
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status		10,700		10,700		8,270
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Financing Receivable, Recorded Investment, Nonaccrual Status		43,791		43,791		50,254
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status		645		645		748
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1,791		$ 1,791		$ 537
Accruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	110
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Accruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		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
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
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
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
Nonaccruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,396	2,314
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,236	1,030
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		244	986
Nonaccruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
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
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
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	$ 0

[1] 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

Loans And Allowance For Credit Losses (Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators) (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 6,746	$ 2,424	$ 180,300	$ 74,500
Financing Receivable, Recorded Investment, Current		41,131,196		41,131,196		$ 40,363,353
Loans held for sale		108,764		108,764		149,880
Commercial and industrial		13,590,238		13,590,238		13,211,481
Leasing		437,150		437,150		441,666
Owner occupied		7,022,429		7,022,429		7,150,028
Municipal		695,436		695,436		675,839
Total commercial		21,745,253		21,745,253		21,479,014
Construction and land development		1,967,702		1,967,702		1,841,502
Term		8,826,375		8,826,375		8,514,401
Loans Receivable, Gross, Commercial, Real Estate		10,794,077		10,794,077		10,355,903
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		2,416,357
1-4 family residential		5,417,810		5,417,810		5,382,099
Loans and Leases Receivable, Gross, Consumer, Construction		401,422		401,422		385,240
Bankcard and other revolving plans		438,540		438,540		443,780
Other		188,451		188,451		187,149
Total consumer		8,878,855		8,878,855		8,814,625
Total loans		41,418,185		41,418,185		40,649,542
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		149,270		149,270		147,980
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		137,719		137,719		138,209
Financing Receivable, Recorded Investment, Past Due		286,989		286,989		286,189
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		37,202		37,202		32,024
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	392,322		392,322		217,427
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		2,416,357
1-4 family residential		5,417,810		5,417,810		5,382,099
Loans and Leases Receivable, Gross, Consumer, Construction		401,422		401,422		385,240
Bankcard and other revolving plans		438,540		438,540		443,780
Other		188,451		188,451		187,149
Total consumer		8,878,855		8,878,855		8,814,625
Total loans		8,878,855		8,878,855		8,814,625
Financing Receivable, Recorded Investment, Nonaccrual Status		202		202		186
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	$ 1,284
Construction and land development		1,967,702		1,967,702		1,841,502
Term		8,826,375		8,826,375		8,514,401
Loans Receivable, Gross, Commercial, Real Estate		10,794,077		10,794,077		10,355,903
Financing Receivable, Recorded Investment, Nonaccrual Status		6,152		6,152		7,045
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		13,590,238		13,590,238		13,211,481
Leasing		437,150		437,150		441,666
Owner occupied		7,022,429		7,022,429		7,150,028
Municipal		695,436		695,436		675,839
Total commercial		21,745,253		21,745,253		21,479,014
Total loans		21,745,253		21,745,253		21,479,014
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		39,267,777		39,267,777		38,647,130
Pass [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,418,415		2,418,415		2,404,635
1-4 family residential		5,368,085		5,368,085		5,325,519
Loans and Leases Receivable, Gross, Consumer, Construction		399,765		399,765		381,738
Bankcard and other revolving plans		433,989		433,989		440,282
Other		188,099		188,099		186,836
Total consumer		8,808,353		8,808,353		8,739,010
Pass [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		1,921,338		1,921,338		1,786,610
Term		8,634,484		8,634,484		8,319,348
Loans Receivable, Gross, Commercial, Real Estate		10,555,822		10,555,822		10,105,958
Pass [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		12,245,903		12,245,903		12,007,076
Leasing		402,160		402,160		411,131
Owner occupied		6,577,162		6,577,162		6,720,052
Municipal		678,377		678,377		663,903
Total commercial		19,903,602		19,903,602		19,802,162
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		618,356		618,356		634,390
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		14,540		14,540		42,348
Term		41,331		41,331		47,245
Loans Receivable, Gross, Commercial, Real Estate		55,871		55,871		89,593
Special Mention [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		390,768		390,768		399,847
Leasing		7,106		7,106		5,166
Owner occupied		156,723		156,723		139,784
Municipal		7,888		7,888		0
Total commercial		562,485		562,485		544,797
Total Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		611,894		611,894		606,048
Total Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total consumer		30,195		30,195		37,779
Total Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Receivable, Gross, Commercial, Real Estate		117,712		117,712		113,992
Total Allowance [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total commercial		463,987		463,987		454,277
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		251		251		8,927
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		0		0		8,772
Loans Receivable, Gross, Commercial, Real Estate		0		0		8,772
Doubtful [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		251		251		155
Leasing		0		0		0
Owner occupied		0		0		0
Municipal		0		0		0
Total commercial		251		251		155
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans		1,531,801		1,531,801		1,359,095
Substandard [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		14,217		14,217		11,722
1-4 family residential		49,725		49,725		56,580
Loans and Leases Receivable, Gross, Consumer, Construction		1,657		1,657		3,502
Bankcard and other revolving plans		4,551		4,551		3,498
Other		352		352		313
Total consumer		70,502		70,502		75,615
Substandard [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Construction and land development		31,824		31,824		12,544
Term		150,560		150,560		139,036
Loans Receivable, Gross, Commercial, Real Estate		182,384		182,384		151,580
Substandard [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Commercial and industrial		953,316		953,316		804,403
Leasing		27,884		27,884		25,369
Owner occupied		288,544		288,544		290,192
Municipal		9,171		9,171		11,936
Total commercial		1,278,915		1,278,915		1,131,900
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		8,827,112		8,827,112		8,750,302
Total loans		8,878,855		8,878,855		8,814,625
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23,868		23,868		30,646
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		27,875		27,875		33,677
Financing Receivable, Recorded Investment, Past Due		51,743		51,743		64,323
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,169		1,169		3,590
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	26,508		26,508		24,629
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		187,760		187,760		186,436
Total loans		188,451		188,451		187,149
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		630		630		647
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		61		61		66
Financing Receivable, Recorded Investment, Past Due		691		691		713
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	78		78		83
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		8,782,301		8,782,301		8,469,390
Total loans		8,826,375		8,826,375		8,514,401
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,173		10,173		10,424
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		33,901		33,901		34,587
Financing Receivable, Recorded Investment, Past Due		44,074		44,074		45,011
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295		18,295		21,697
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	15,791		15,791		24,867
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		1,960,562		1,960,562		1,835,360
Total loans		1,967,702		1,967,702		1,841,502
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		2,573		2,573		842
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4,567		4,567		5,300
Financing Receivable, Recorded Investment, Past Due		7,140		7,140		6,142
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1,533		1,533		1,745
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		13,464,106		13,464,106		13,114,045
Total loans		13,590,238		13,590,238		13,211,481
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		90,610		90,610		60,523
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,522		35,522		36,913
Financing Receivable, Recorded Investment, Past Due		126,132		126,132		97,436
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		4,388		4,388		3,065
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	287,662		287,662		117,942
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		436,597		436,597		440,963
Total loans		437,150		437,150		441,666
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		59		59		183
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		494		494		520
Financing Receivable, Recorded Investment, Past Due		553		553		703
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	13,613		13,613		3,309
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		6,965,082		6,965,082		7,085,086
Total loans		7,022,429		7,022,429		7,150,028
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,987		21,987		37,776
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,360		35,360		27,166
Financing Receivable, Recorded Investment, Past Due		57,347		57,347		64,942
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		13,350		13,350		3,626
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	46,289		46,289		43,984
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		695,436		695,436		668,207
Total loans		695,436		695,436		675,839
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0		7,586
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0		46
Financing Receivable, Recorded Investment, Past Due		0		0		7,632
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		46
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	926		926		951
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		10,742,863		10,742,863		10,304,750
Total loans		10,794,077		10,794,077		10,355,903
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		12,746		12,746		11,266
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		38,468		38,468		39,887
Financing Receivable, Recorded Investment, Past Due		51,214		51,214		51,153
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295		18,295		21,697
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17,324		17,324		26,612
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,420,364		2,420,364		2,407,972
Total loans		2,432,632		2,432,632		2,416,357
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		7,015		7,015		4,717
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,253		5,253		3,668
Financing Receivable, Recorded Investment, Past Due		12,268		12,268		8,385
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4,604		4,604		3,053
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		21,561,221		21,561,221		21,308,301
Total loans		21,745,253		21,745,253		21,479,014
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		112,656		112,656		106,068
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		71,376		71,376		64,645
Financing Receivable, Recorded Investment, Past Due		184,032		184,032		170,713
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,738		17,738		6,737
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	348,490		348,490		166,186
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		5,386,087		5,386,087		5,340,549
Total loans		5,417,810		5,417,810		5,382,099
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,617		10,617		14,828
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21,106		21,106		26,722
Financing Receivable, Recorded Investment, Past Due		31,723		31,723		41,550
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		321		321		1,036
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	20,131		20,131		20,939
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		397,809		397,809		374,987
Total loans		401,422		401,422		385,240
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3,365		3,365		8,593
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		248		248		1,660
Financing Receivable, Recorded Investment, Past Due		3,613		3,613		10,253
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		1,337
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 355		$ 355		$ 408

[1] 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

Loans And Allowance For Credit Losses (Summary Of Information On Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	$ 2,432,632		$ 2,416,357
Unpaid principal balance	841,333		687,148
Recorded investment	729,840		566,599
Impaired Financing Receivable, Related Allowance	85,884		48,697
Average recorded investment	618,858	$ 620,253
Interest income recognized	8,908	12,470
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	457,773		272,161
Recorded investment	398,189		207,919
Impaired Financing Receivable, Related Allowance	71,962		30,538
Average recorded investment	281,841	160,013
Interest income recognized	1,472	1,451
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	124,637		141,526
Recorded investment	113,936		126,267
Impaired Financing Receivable, Related Allowance	4,162		5,486
Average recorded investment	122,241	177,568
Interest income recognized	2,431	4,092
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	1,405		1,430
Recorded investment	926		951
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	932	1,033
Interest income recognized	0	0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	583,815		415,117
Recorded investment	513,051		335,137
Impaired Financing Receivable, Related Allowance	76,124		36,024
Average recorded investment	405,014	338,614
Interest income recognized	3,903	5,543
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	22,202		22,791
Recorded investment	14,125		14,634
Impaired Financing Receivable, Related Allowance	883		618
Average recorded investment	14,293	38,736
Interest income recognized	513	569
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	134,297		142,239
Recorded investment	108,070		117,225
Impaired Financing Receivable, Related Allowance	1,706		2,604
Average recorded investment	106,236	143,496
Interest income recognized	3,458	5,008
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	156,499		165,030
Recorded investment	122,195		131,859
Impaired Financing Receivable, Related Allowance	2,589		3,222
Average recorded investment	120,529	182,232
Interest income recognized	3,971	5,577
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	28,148		27,064
Recorded investment	25,423		24,299
Impaired Financing Receivable, Related Allowance	145		243
Average recorded investment	24,730	25,386
Interest income recognized	386	413
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity	2,432,632		2,416,357
Unpaid principal balance	2,565		3,187
Recorded investment	1,935		2,606
Impaired Financing Receivable, Related Allowance	53		299
Average recorded investment	2,502	4,748
Interest income recognized	107	285
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	66,860		74,009
Recorded investment	64,372		70,695
Impaired Financing Receivable, Related Allowance	6,805		8,736
Average recorded investment	63,166	66,711
Interest income recognized	477	510
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	3,446		2,741
Recorded investment	2,864		2,003
Impaired Financing Receivable, Related Allowance	168		173
Average recorded investment	2,917	2,560
Interest income recognized	48	42
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Average recorded investment	0	2
Interest income recognized	16	100
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	101,019		107,001
Recorded investment	94,594		99,603
Impaired Financing Receivable, Related Allowance	7,171		9,451
Average recorded investment	93,315	99,407
Interest income recognized	1,034	$ 1,350
Impaired Financing Receivable Related Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	444,964		300,949
Impaired Financing Receivable Related Allowance [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	329,801		163,729
Impaired Financing Receivable Related Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	39,778		43,243
Impaired Financing Receivable Related Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	0		0
Impaired Financing Receivable Related Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	369,579		206,972
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	9,319		9,558
Impaired Financing Receivable Related Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	26,275		34,361
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	35,594		43,919
Impaired Financing Receivable Related Allowance [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	4,295		5,319
Impaired Financing Receivable Related Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	1,900		2,570
Impaired Financing Receivable Related Allowance [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	31,720		41,155
Impaired Financing Receivable Related Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	1,876		1,014
Impaired Financing Receivable Related Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	39,791		50,058
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	284,876		265,650
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	68,388		44,190
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	74,158		83,024
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	926		951
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	143,472		128,165
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	4,806		5,076
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	81,795		82,864
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	86,601		87,940
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	21,128		18,980
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	35		36
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	32,652		29,540
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	988		989
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment	$ 54,803		$ 49,545

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		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 6,746	$ 2,424	$ 180,300	$ 74,500
1-4 family residential		5,417,810		5,417,810		$ 5,382,099
Construction and other consumer real estate		401,422		401,422		385,240
Commercial and industrial		13,590,238		13,590,238		13,211,481
Home equity credit line		2,432,632		2,432,632		2,416,357
Bankcard and other revolving plans		438,540		438,540		443,780
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		13,590,238		13,590,238		13,211,481
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		5,417,810		5,417,810		5,382,099
Construction and other consumer real estate		401,422		401,422		385,240
Home equity credit line		2,432,632		2,432,632		2,416,357
Bankcard and other revolving plans		438,540		438,540		443,780
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,594	986
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		6,586	1,030
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	110
Recorded investment resulting from the following modification types		195,482		195,482		194,084
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Recorded investment resulting from the following modification types		9,360		9,360		9,792
Accruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		2,620		2,620		1,710
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Commercial and industrial		61,589		61,589		61,231
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Recorded investment resulting from the following modification types		28,805		28,805		29,827
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Recorded investment resulting from the following modification types		90,394		90,394		91,058
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Recorded investment resulting from the following modification types		30,984		30,984		29,558
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Recorded investment resulting from the following modification types		40,344		40,344		39,350
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Home equity credit line		16,373		16,373		15,421
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
1-4 family residential		45,751		45,751		46,545
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Recorded investment resulting from the following modification types		64,744		64,744		63,676
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		9,528		9,528		10,026
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		44		44		94
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		171		171		174
Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		198		198		202
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,227		2,227		1,999
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,425		2,425		2,201
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,660		4,660		4,696
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,704		4,704		4,790
Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		198		198		192
Accruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		2,030		2,030		2,669
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,399		2,399		3,035
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		38,284		38,284		7,439
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		357		357		384
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		26,309		26,309		3,236
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,458		1,458		681
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		27,767		27,767		3,917
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,397		7,397		638
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,397		7,397		638
Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		2,414		2,414		2,147
Accruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		349		349		353
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,120		3,120		2,884
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		18,161		18,161		17,618
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		0		0		0
Accruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		12		12		13
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		920		920		929
Accruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		932		932		942
Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		161		161		166
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		161		161		166
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		10,570		10,570		9,763
Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		6,498		6,498		6,747
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		17,068		17,068		16,510
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,471		2,471		1,509
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		1,143		1,143		0
Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		91		91		100
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Accruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		91		91		100
Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		980		980		976
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		980		980		976
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		257		257		433
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,400		1,400		433
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	16,381		16,381		38,939
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]	0		0		0
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]	1,085		1,085		23,207
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]	7,882		7,882		9,879
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]	8,967		8,967		33,086
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]	4,037		4,037		2,249
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]	4,037		4,037		2,249
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]	164		164		164
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]	3,213		3,213		3,440
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]	3,377		3,377		3,604
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	110,657		110,657		118,553
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	9,316		9,316		9,698
Accruing [Member] | Multiple Modification Types [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate	[2]	949		949		1,152
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[2]	33,894		33,894		34,473
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	16,318		16,318		16,339
Accruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	50,212		50,212		50,812
Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	13,749		13,749		20,833
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	23,065		23,065		30,531
Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[2]	3,027		3,027		3,155
Accruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[2]	33,404		33,404		32,903
Accruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	37,380		37,380		37,210
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,396	2,314
Recorded investment resulting from the following modification types		328,006		328,006		297,088
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Recorded investment resulting from the following modification types		3,656		3,656		3,697
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		12,483		12,483		13,346
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Commercial and industrial		83,136		83,136		55,556
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		244	986
Recorded investment resulting from the following modification types		22,551		22,551		19,447
Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		926		926		951
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,236	1,030
Recorded investment resulting from the following modification types		106,613		106,613		75,954
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Recorded investment resulting from the following modification types		9,772		9,772		10,007
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Recorded investment resulting from the following modification types		13,428		13,428		13,704
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		2,414		2,414		2,194
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
1-4 family residential		9,852		9,852		10,942
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Construction and other consumer real estate		217		217		210
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	$ 0
Recorded investment resulting from the following modification types		132,524		132,524		103,004
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		12,473		12,473		12,590
Nonaccruing [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
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		7
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		26		26		28
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,122		1,122		685
Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,148		1,148		713
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,797		1,797		1,844
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,797		1,797		1,844
Nonaccruing [Member] | Interest Rate Below Market [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		0		0		7
Nonaccruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		0		0		0
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		2,945		2,945		2,564
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		43,011		43,011		11,723
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		312		312		333
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		721		721		876
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		396		396		455
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,209		1,209		1,669
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		926		926		951
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2,531		2,531		3,075
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1,163		1,163		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		1,475		1,475		333
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		299		299		500
Nonaccruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		325		325		275
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		97		97		101
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,727		4,727		4,284
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		21,480		21,480		21,087
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		3,319		3,319		3,469
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] | Municipal [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		0		0		0
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] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		1,359		1,359		1,400
Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		1,944		1,944		2,052
Nonaccruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		16		16		17
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,319		3,319		3,469
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7,046		7,046		4,350
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		395		395		238
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial		1,116		1,116		1,879
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3,064		3,064		724
Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,180		4,180		2,603
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line		51		51		54
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential		302		302		136
Nonaccruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Construction and other consumer real estate		42		42		48
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4,575		4,575		2,841
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	42,091		42,091		49,846
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]	3,135		3,135		3,156
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]	829		829		1,180
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[1]	18,551		18,551		3,577
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]	275		275		34
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
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]	18,826		18,826		3,611
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]	2,920		2,920		2,960
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]	6,055		6,055		6,116
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]	829		829		1,180
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]	25,710		25,710		10,907
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	201,905		201,905		197,492
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	209		209		208
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	7,219		7,219		7,576
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Commercial and industrial	[2]	63,047		63,047		49,617
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	16,881		16,881		16,335
Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0		0		0
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	79,928		79,928		65,952
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	3,892		3,892		5,203
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	4,101		4,101		5,411
Nonaccruing [Member] | Multiple Modification Types [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Home equity credit line	[2]	705		705		233
Nonaccruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
1-4 family residential	[2]	6,452		6,452		7,299
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]	62		62		44
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	$ 91,248		$ 91,248		$ 78,939

[1] 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] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

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		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 6,746	$ 2,424	$ 180,300	$ 74,500
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		$ 2,416,357
Net financial impact on interest income		438	594
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		122	169
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		(1)	(37)
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		2,416,357
Net financial impact on interest income		236	279
Commercial and Industrial Sector [Member]
Financing Receivable, Modifications [Line Items]
Net financial impact on interest income		(73)	(57)
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,594	986
Net financial impact on interest income		(49)	(112)
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		6,586	1,030
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Net financial impact on interest income		(79)	(109)
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Net financial impact on interest income		(230)	(271)
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Net financial impact on interest income		(5)	(7)
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Net financial impact on interest income		80	146
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Net financial impact on interest income		(1)	(1)
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,396	2,314
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		244	986
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,236	1,030
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	110
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Loans and Leases Receivable, Gross, Consumer, Home Equity		16,373		16,373		15,421
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	$ 110
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		10,570		10,570		9,763
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		198		198		192
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		2,414		2,414		2,147
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]	164		164		164
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]	$ 3,027		$ 3,027		$ 3,155

[1] 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] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

XML

Loans And Allowance For Credit Losses (Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 6,746	$ 2,424	$ 180,300	$ 74,500
Loans Receivable, Gross, Commercial and Industrial		13,590,238		13,590,238		$ 13,211,481
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		2,416,357
Loans and Leases Receivable, Gross, Consumer, Mortgage		5,417,810		5,417,810		5,382,099
Loans and Leases Receivable, Gross, Consumer, Construction		401,422		401,422		385,240
Loans and Leases Receivable, Gross, Consumer, Revolving, Credit Card		438,540		438,540		443,780
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		13,590,238		13,590,238		13,211,481
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,594	986
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		6,586	1,030
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,432,632		2,432,632		2,416,357
Loans and Leases Receivable, Gross, Consumer, Mortgage		5,417,810		5,417,810		5,382,099
Loans and Leases Receivable, Gross, Consumer, Construction		401,422		401,422		385,240
Loans and Leases Receivable, Gross, Consumer, Revolving, Credit Card		438,540		438,540		443,780
Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	110
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	110
Financing Receivable, Modifications, Recorded Investment		195,482		195,482		194,084
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Modifications, Recorded Investment		9,360		9,360		9,792
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Loans Receivable, Gross, Commercial and Industrial		61,589		61,589		61,231
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Financing Receivable, Modifications, Recorded Investment		28,805		28,805		29,827
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,350	0
Financing Receivable, Modifications, Recorded Investment		90,394		90,394		91,058
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Modifications, Recorded Investment		30,984		30,984		29,558
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Modifications, Recorded Investment		40,344		40,344		39,350
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Loans and Leases Receivable, Gross, Consumer, Home Equity		16,373		16,373		15,421
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Loans and Leases Receivable, Gross, Consumer, Mortgage		45,751		45,751		46,545
Accruing [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		2,620		2,620		1,710
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	110
Financing Receivable, Modifications, Recorded Investment		64,744		64,744		63,676
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9,528		9,528		10,026
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		44		44		94
Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		198		198		202
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,227		2,227		1,999
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,425		2,425		2,201
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,660		4,660		4,696
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,704		4,704		4,790
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		198		198		192
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		2,030		2,030		2,669
Accruing [Member] | Interest Rate Below Market [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		171		171		174
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,399		2,399		3,035
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	110,657		110,657		118,553
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	9,316		9,316		9,698
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[1]	33,894		33,894		34,473
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	16,318		16,318		16,339
Accruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	50,212		50,212		50,812
Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	13,749		13,749		20,833
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	23,065		23,065		30,531
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]	3,027		3,027		3,155
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]	33,404		33,404		32,903
Accruing [Member] | Multiple Modification Types [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction	[1]	949		949		1,152
Accruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	37,380		37,380		37,210
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	16,381		16,381		38,939
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]	0		0		0
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]	1,085		1,085		23,207
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7,882		7,882		9,879
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	8,967		8,967		33,086
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	4,037		4,037		2,249
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]	4,037		4,037		2,249
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]	164		164		164
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]	3,213		3,213		3,440
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]	3,377		3,377		3,604
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,471		2,471		1,509
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		91		91		100
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Accruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		91		91		100
Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		980		980		976
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		980		980		976
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		257		257		433
Accruing [Member] | Payment Deferral [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		1,143		1,143		0
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,400		1,400		433
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		18,161		18,161		17,618
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		12		12		13
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		920		920		929
Accruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		932		932		942
Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		161		161		166
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		161		161		166
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		10,570		10,570		9,763
Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		6,498		6,498		6,747
Accruing [Member] | Principal Forgiveness [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		0		0		0
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		17,068		17,068		16,510
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		38,284		38,284		7,439
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		26,309		26,309		3,236
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,458		1,458		681
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		27,767		27,767		3,917
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,397		7,397		638
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,397		7,397		638
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		2,414		2,414		2,147
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		349		349		353
Accruing [Member] | Maturity Or Team Extension [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		357		357		384
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,120		3,120		2,884
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,396	2,314
Financing Receivable, Modifications, Recorded Investment		328,006		328,006		297,088
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Financing Receivable, Modifications, Recorded Investment		3,656		3,656		3,697
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2,992	44
Loans Receivable, Gross, Commercial and Industrial		83,136		83,136		55,556
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		244	986
Financing Receivable, Modifications, Recorded Investment		22,551		22,551		19,447
Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		926		926		951
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,236	1,030
Financing Receivable, Modifications, Recorded Investment		106,613		106,613		75,954
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Financing Receivable, Modifications, Recorded Investment		9,772		9,772		10,007
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1,284
Financing Receivable, Modifications, Recorded Investment		13,428		13,428		13,704
Nonaccruing [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		2,414		2,414		2,194
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	0
Loans and Leases Receivable, Gross, Consumer, Mortgage		9,852		9,852		10,942
Nonaccruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Loans and Leases Receivable, Gross, Consumer, Construction		217		217		210
Nonaccruing [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		12,483		12,483		13,346
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		160	$ 0
Financing Receivable, Modifications, Recorded Investment		132,524		132,524		103,004
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		12,473		12,473		12,590
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		26		26		28
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,122		1,122		685
Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,148		1,148		713
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,797		1,797		1,844
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,797		1,797		1,844
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		0		0		7
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		0		0		0
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		0		0		7
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,945		2,945		2,564
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	201,905		201,905		197,492
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	209		209		208
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial	[1]	63,047		63,047		49,617
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	16,881		16,881		16,335
Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	79,928		79,928		65,952
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3,892		3,892		5,203
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	4,101		4,101		5,411
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]	705		705		233
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]	6,452		6,452		7,299
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]	62		62		44
Nonaccruing [Member] | Multiple Modification Types [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	7,219		7,219		7,576
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	91,248		91,248		78,939
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	42,091		42,091		49,846
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]	3,135		3,135		3,156
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]	18,551		18,551		3,577
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	275		275		34
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	18,826		18,826		3,611
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	2,920		2,920		2,960
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]	6,055		6,055		6,116
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]	829		829		1,180
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]	829		829		1,180
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	25,710		25,710		10,907
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7,046		7,046		4,350
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		1,116		1,116		1,879
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,064		3,064		724
Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,180		4,180		2,603
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0		0		0
Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		51		51		54
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		302		302		136
Nonaccruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		42		42		48
Nonaccruing [Member] | Payment Deferral [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		395		395		238
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,575		4,575		2,841
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		21,480		21,480		21,087
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] | Municipal [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		0		0		0
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] | Home Equity Credit Line [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Home Equity		1,359		1,359		1,400
Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Mortgage		1,944		1,944		2,052
Nonaccruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Loans and Leases Receivable, Gross, Consumer, Construction		16		16		17
Nonaccruing [Member] | Principal Forgiveness [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,319		3,319		3,469
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3,319		3,319		3,469
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		43,011		43,011		11,723
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		312		312		333
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable, Gross, Commercial and Industrial		396		396		455
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,209		1,209		1,669
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		926		926		951
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,531		2,531		3,075
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,163		1,163		0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,475		1,475		333
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		299		299		500
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		325		325		275
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		97		97		101
Nonaccruing [Member] | Maturity Or Team Extension [Member] | ERROR in label resolution.
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		721		721		876
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 4,727		$ 4,727		$ 4,284

[1] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

[2] 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.

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		Mar. 31, 2016	Dec. 31, 2015
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		$ 286,989	$ 286,189
Financing Receivable, Recorded Investment, Current		41,131,196	40,363,353
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		149,270	147,980
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		137,719	138,209
Loans and Leases Receivable, Gross		41,418,185	40,649,542
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		37,202	32,024
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	392,322	217,427
Commercial		55,997	72,440
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Commercial Real Estate		60,456	65,167
Consumer		9,961	11,082
Outstanding balance		126,414	148,689
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Carrying Amount, Net		106,320	125,029
ALLL		357	945
Carrying amount, net		105,963	124,084
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		126,132	97,436
Financing Receivable, Recorded Investment, Current		13,464,106	13,114,045
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		90,610	60,523
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,522	36,913
Loans and Leases Receivable, Gross		13,590,238	13,211,481
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		4,388	3,065
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	287,662	117,942
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		553	703
Financing Receivable, Recorded Investment, Current		436,597	440,963
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		59	183
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		494	520
Loans and Leases Receivable, Gross		437,150	441,666
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	13,613	3,309
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		57,347	64,942
Financing Receivable, Recorded Investment, Current		6,965,082	7,085,086
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		21,987	37,776
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		35,360	27,166
Loans and Leases Receivable, Gross		7,022,429	7,150,028
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		13,350	3,626
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	46,289	43,984
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	7,632
Financing Receivable, Recorded Investment, Current		695,436	668,207
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0	7,586
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0	46
Loans and Leases Receivable, Gross		695,436	675,839
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	46
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	926	951
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		184,032	170,713
Financing Receivable, Recorded Investment, Current		21,561,221	21,308,301
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		112,656	106,068
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		71,376	64,645
Loans and Leases Receivable, Gross		21,745,253	21,479,014
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,738	6,737
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	348,490	166,186
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		7,140	6,142
Financing Receivable, Recorded Investment, Current		1,960,562	1,835,360
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		2,573	842
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4,567	5,300
Loans and Leases Receivable, Gross		1,967,702	1,841,502
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1,533	1,745
Term [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		44,074	45,011
Financing Receivable, Recorded Investment, Current		8,782,301	8,469,390
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,173	10,424
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		33,901	34,587
Loans and Leases Receivable, Gross		8,826,375	8,514,401
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295	21,697
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	15,791	24,867
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		51,214	51,153
Financing Receivable, Recorded Investment, Current		10,742,863	10,304,750
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		12,746	11,266
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		38,468	39,887
Loans and Leases Receivable, Gross		10,794,077	10,355,903
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		18,295	21,697
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17,324	26,612
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		12,268	8,385
Financing Receivable, Recorded Investment, Current		2,420,364	2,407,972
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		7,015	4,717
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		5,253	3,668
Loans and Leases Receivable, Gross		2,432,632	2,416,357
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	4,604	3,053
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		31,723	41,550
Financing Receivable, Recorded Investment, Current		5,386,087	5,340,549
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,617	14,828
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21,106	26,722
Loans and Leases Receivable, Gross		5,417,810	5,382,099
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		321	1,036
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	20,131	20,939
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		3,613	10,253
Financing Receivable, Recorded Investment, Current		397,809	374,987
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3,365	8,593
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		248	1,660
Loans and Leases Receivable, Gross		401,422	385,240
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	1,337
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	355	408
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		3,448	3,422
Financing Receivable, Recorded Investment, Current		435,092	440,358
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		2,241	1,861
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1,207	1,561
Loans and Leases Receivable, Gross		438,540	443,780
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		848	1,217
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1,340	146
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		691	713
Financing Receivable, Recorded Investment, Current		187,760	186,436
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		630	647
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		61	66
Loans and Leases Receivable, Gross		188,451	187,149
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	78	83
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		51,743	64,323
Financing Receivable, Recorded Investment, Current		8,827,112	8,750,302
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23,868	30,646
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		27,875	33,677
Loans and Leases Receivable, Gross		8,878,855	8,814,625
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1,169	3,590
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 26,508	$ 24,629

[1] 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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Loans And Allowance For Credit Losses (Schedule Of Changes In The Accretable Yield For PCI Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Loans And Allowance For Credit Losses [Abstract]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	$ (6,138)	$ (9,583)
Changes in Accretable Yield [Roll Forward]
Balance at beginning of period	39,803	45,055
Disposals and other	1,010	2,178
Balance at end of period	43,105	50,931
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	$ 8,430	$ 13,281

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Derivative Instruments And Hedging Activities (Narrative) (Details) - USD ($)		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Derivative [Line Items]
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net		$ 20,696,000	$ 4,253,000
Derivative Instruments in Hedges, Net Investment in Foreign Operations, Assets, Fair Value		0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		2,997,000	1,016,000
Fair values of derivative assets reduced (increased) by net credit valuation adjustments		5,100,000	3,300,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Future Expected		7,700,000
Total derivatives, Notional amount		5,291,198,000		$ 5,147,068,000
Cash collateral pledged for derivative liabilities		86,000,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch		1,900,000
Derivative Instrument, Noninterest Income (Expense)		1,962,000	3,253,000
Derivatives Designated As Hedging Instrument Offset To Interest Expense		$ 0	468,000
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		$ 20,696,000	4,253,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		2,997,000	1,016,000
Total derivatives, Notional amount		$ 1,387,500,000		1,387,500,000
Derivative Instrument, Noninterest Income (Expense)
Derivatives Designated As Hedging Instrument Offset To Interest Expense		$ 0	468,000
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]	20,696,000	4,253,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	[1]	2,997,000	1,016,000
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		20,696,000	4,253,000
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	[1]	2,997,000	1,016,000
Total derivatives, Notional amount		1,387,500,000		1,387,500,000
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		0	468,000
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,903,698,000		3,759,568,000
Derivative Instrument, Noninterest Income (Expense)		1,962,000	3,253,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Total derivatives, Notional amount		103,989,000		40,314,000
Derivative Instrument, Noninterest Income (Expense)		235,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,449,818,000		3,256,190,000
Derivative Instrument, Noninterest Income (Expense)		(509,000)	517,000
Derivatives Not Designated As Hedging Instruments [Member] | Future [Member]
Derivative [Line Items]
Derivative Instrument, Noninterest Income (Expense)		0	1,000
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Total derivatives, Notional amount		349,891,000		463,064,000
Derivative Instrument, Noninterest Income (Expense)		2,236,000	$ 2,735,000
Other Liabilities [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		104,469,000		72,568,000
Other Liabilities [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		0		956,000
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		0		956,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		104,469,000		71,612,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		250,000		8,000
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		89,771,000		53,843,000
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		14,448,000		17,761,000
Other Liabilities [Member] | Derivative Financial Instruments, Liabilities [Member]
Derivative [Line Items]
Gross amounts recognized		$ 104,469,000		$ 72,568,000

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

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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
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Derivative [Line Items]
Total derivatives, Notional amount		$ 5,291,198		$ 5,147,068
Amount of derivative gain (loss), recognized in OCI		20,696	$ 4,253
Amount of derivative gain (loss), Reclassified from AOCI to interest income		2,997	1,016
Derivatives instruments, Noninterest income (expense)		1,962	3,253
Derivatives designated as hedging instruments, Offset to interest expense		$ 0	468
Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)	[1]
Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		$ 125,363		77,638
Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		104,469		72,568
Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		1,387,500		1,387,500
Amount of derivative gain (loss), recognized in OCI		20,696	4,253
Amount of derivative gain (loss), Reclassified from AOCI to interest income		$ 2,997	1,016
Derivatives instruments, Noninterest income (expense)
Derivatives designated as hedging instruments, Offset to interest expense		$ 0	468
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Amount of derivative gain (loss), recognized in OCI	[1]	20,696	4,253
Amount of derivative gain (loss), Reclassified from AOCI to interest income	[1]	2,997	1,016
Derivatives Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		22,218		5,461
Derivatives Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		956
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount		1,387,500		1,387,500
Amount of derivative gain (loss), recognized in OCI		20,696	4,253
Amount of derivative gain (loss), Reclassified from AOCI to interest income	[1]	2,997	1,016
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		22,218		5,461
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		956
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		0	468
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,903,698		3,759,568
Derivatives instruments, Noninterest income (expense)		1,962	3,253
Derivatives Not Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		103,145		72,177
Derivatives Not Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		104,469		71,612
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Total derivatives, Notional amount		349,891		463,064
Derivatives instruments, Noninterest income (expense)		2,236	2,735
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		17,721		20,824
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		14,448		17,761
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member]
Derivative [Line Items]
Total derivatives, Notional amount		103,989		40,314
Derivatives instruments, Noninterest income (expense)		235
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		740		0
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		250		8
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,449,818		3,256,190
Derivatives instruments, Noninterest income (expense)		(509)	517
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		84,684		51,353
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		89,771		$ 53,843
Derivatives Not Designated As Hedging Instruments [Member] | Future [Member]
Derivative [Line Items]
Derivatives instruments, Noninterest income (expense)		$ 0	$ 1

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

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

3 Months Ended

Apr. 25, 2016

Mar. 31, 2016

Mar. 31, 2015

Dec. 31, 2015

Debt And Shareholders' Equity [Line Items]

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

Long-term debt is summarized as follows:

(In thousands)	March 31, 2016		December 31, 2015
Junior subordinated debentures related to trust preferred securities	$	164,950	$	164,950
Subordinated notes	246,262		246,170
Senior notes	390,367		400,334
Capital lease obligations	869		912
Total	$	802,448	$	812,366

Junior Subordinated Notes

$ 164,950

$ 164,950

Subordinated Debt

246,262

246,170

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

44,834

$ 13,613

Stockholders' Equity [Abstract]

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

(1,875)

$ (481)

Senior Notes

390,367

400,334

Capital Lease Obligations

869

912

Long-term Debt, Gross

$ 802,448

$ 812,366

Preferred Stock, Tender Offer

$ 120,000

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Debt And Shareholders' Equity (Schedule Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	$ 20,192	$ 6,957
Interest income expense, net, after tax	78,777	75,279
Income Tax Expense (Benefit)	41,448	51,176
Interest Income (Expense), Net	452,842	417,346
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	44,834	13,613
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(1,875)	(481)
Beginning balance	(54,612)	(128,041)
Other comprehensive income (loss)	42,959	13,132
Ending balance	(11,653)	(114,909)
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax	6,920	1,088
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Tax	665	0
Other Comprehensive Income (Loss), Tax	27,777	8,045
Accumulated Net Unrealized Investment Gain (Loss) [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	32,168	11,424
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(17)	148
Beginning balance	(18,369)	(91,921)
Other comprehensive income (loss)	32,151	11,572
Ending balance	13,782	(80,349)
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	13,331	2,189
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(1,858)	(629)
Beginning balance	1,546	2,226
Other comprehensive income (loss)	11,473	1,560
Ending balance	13,019	3,786
Accumulated Defined Benefit Plans Adjustment [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(665)	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Beginning balance	(37,789)	(38,346)
Other comprehensive income (loss)	(665)	0
Ending balance	(38,454)	(38,346)
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	28	(239)
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	1,858	629
Income Tax Expense (Benefit)	1,139	387
Interest Income (Expense), Net	2,997	1,016
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	17	(148)
Income Tax Expense (Benefit)	$ 11	$ (91)

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Debt And Shareholders' Equity Schedule of Long-Term Debt Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Junior Subordinated Notes	$ 164,950	$ 164,950
Subordinated Debt	246,262	246,170
Senior Notes	390,367	400,334
Capital Lease Obligations	869	912
Long-term Debt, Gross	$ 802,448	$ 812,366

XML

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation, Percent	31.40%	35.70%
Deferred Tax Assets, Net	$ 180		$ 203

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Fair Value (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Derivatives, Fair Value [Line Items]
Other noninterest-bearing investments valued under the cost method	$ 23,200		$ 25,300
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	196,600		191,500
Net gains on sale of OREO properties	1,329	$ (374)
Principal amount of other real estate owned property sold	2,100	4,100
OREO Properties [Member]
Derivatives, Fair Value [Line Items]
Net gains on sale of OREO properties	1,800	$ 700
Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	8,641,960		7,581,309
Level 3 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	0		$ 0
Third Party Pricing Service [Member] | Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	$ 0

XML

Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account	$ 65,838	$ 48,168
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	8,641,960	7,581,309
Trading account	65,838	48,168
Total assets	9,304,737	8,172,774
Securities sold, not yet purchased	0	0
Total liabilities	90,021	54,678
Level 2 [Member] | Mutual Funds And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	36,311	38,829
Level 2 [Member] | Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	$ 489,297	$ 485,978
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	$ 8,027,667	$ 7,100,844
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	556,073	418,695
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	21,909
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		22,941
Level 2 [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	107,642	57,319
Other Liabilities, Fair Value Disclosure	90,021	54,678
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	22,958	5,966
Other Liabilities, Fair Value Disclosure	250	835
Level 2 [Member] | Derivatives [Member] | Interest Rate Swaps [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	84,684	51,353
Other Liabilities, Fair Value Disclosure	89,771	53,843
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	0
Total assets	136,289	133,541
Securities sold, not yet purchased	0	0
Total liabilities	0	0
Level 3 [Member] | Private Equity [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	119,222	120,027
Level 3 [Member] | Interest-Only-Strip [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	17,067	13,514
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
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
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	8,701,885	7,643,116
Trading account	65,838	48,168
Total assets	9,600,851	8,473,516
Securities sold, not yet purchased	6,515	30,158
Total liabilities	193,163	187,167
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	96,236	100,636
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	489,297	485,978
Estimate of Fair Value Measurement [Member] | Private Equity [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other noninterest-bearing investments	119,222	120,027
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	17,067	13,514
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	8,027,667	7,100,844
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	556,073	418,695
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	21,909
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		22,941
Estimate of Fair Value Measurement [Member] | Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	125,363	78,143
Other Liabilities, Fair Value Disclosure	104,469	72,439
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	22,958	5,966
Other Liabilities, Fair Value Disclosure	250	835
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	84,684	51,353
Other Liabilities, Fair Value Disclosure	89,771	53,843
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	17,721	20,824
Other Liabilities, Fair Value Disclosure	14,448	17,761
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	59,925	61,807
Total assets	159,825	167,201
Securities sold, not yet purchased	6,515	30,158
Total liabilities	103,142	132,489
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	59,925	61,807
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	17,721	20,824
Other Liabilities, Fair Value Disclosure	14,448	17,761
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	17,721	20,824
Other Liabilities, Fair Value Disclosure	$ 14,448	$ 17,761

XML

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
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total net gains (losses) included in, Other noninterest expense	$ 50,134	$ 53,947
Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	$ 0	4,164
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale		2
Total net gains (losses) included in, Fixed income securities gains (losses), net		31
Total net gains (losses) included in, Other comprehensive income (loss)		127
Total net gains (losses) included in, Sales
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements		(1,859)
Fair value of assets, Ending balance	$ 0	2,465
Banks, Trust and Insurance, Equities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	$ 0	393,007
Total net gains (losses) included in, Accretion of purchase discount on securities available-for-sale		257
Total net gains (losses) included in, Fixed income securities gains (losses), net		(323)
Total net gains (losses) included in, Other comprehensive income (loss)		(6,949)
Fair Value of Securities Reclassified from HTM to AFS		57,308
Total net gains (losses) included in, Sales		2,613
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements		(2,349)
Fair value of assets, Ending balance	$ 0	438,338
Other Asset-Backed [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	$ 0	$ 4,786
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
Total net gains (losses) included in, Other comprehensive income (loss)		$ 42
Total net gains (losses) included in, Sales
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements		$ (2)
Fair value of assets, Ending balance	$ 0	4,826
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	120,027	99,865
Total net gains (losses) included in, Dividends and other investment income	(1,484)	1,074
Total net gains (losses) included in, Equity securities gains, net	(2,009)	3,253
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	2,801	5,052
Total net gains (losses) included in, Sales	(36)	(1,517)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	(77)	(279)
Fair value of assets, Ending balance	119,222	107,448
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of liabilities, Beginning balance	13,514	12,227
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	3,460	4
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	368	171
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	(275)	(401)
Fair value of liabilities, Ending balance	17,067	12,001
Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of liabilities, Beginning balance	$ 0	(13)
Total net gains (losses) included in, Other noninterest expense		$ 13
Total net gains (losses) included in, Purchases
Fair value of liabilities, Ending balance	$ 0	$ 0
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	82,179		$ 84,570
Other Liabilities, Fair Value Disclosure	82,179		84,570
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	82,179		84,570
Other Liabilities, Fair Value Disclosure	$ 82,179		$ 84,570

XML

Fair Value (Schedule Of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Fixed Income Securities Gains (Losses), Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Realized gains (losses) from Level 3 inputs	$ 0	$ (292)
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		31
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Accretion Of Purchase Discount On Securities Available-For-Sale		$ 2
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	82,179		$ 84,570
Other Liabilities, Fair Value Disclosure	$ 82,179		$ 84,570

XML

Fair Value Fair Value (Summary of Quantitative Information Relating to the Principal Valuation Techniques and Significant Unobservable Inputs for Level 3) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
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	$ 0

XML

Fair Value (Schedule Of Assets With Fair Value Changes On Nonrecurring Basis) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Principal amount of other real estate owned property sold	$ 2,100	$ 4,100
Gains (losses) from fair value changes	(15,107)	(5,085)
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(14,728)	(2,924)
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(342)	(1,153)
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(37)	$ (1,008)
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
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
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
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
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	33,857		13,379
Level 2 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	32,162		10,991
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
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	1,695		2,388
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	1,477		10,707
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
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	1,477		10,707
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
Estimate of Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets measured on nonrecurring basis	35,334		24,086
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	32,162		10,991
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	1,477		10,707
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	$ 1,695		$ 2,388

XML

Fair Value (Schedule Of Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Long-term debt (less fair value hedges)	$ 802,448	$ 812,366
Carrying Value [Member]
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	40,915,055	40,193,374
Time deposits	2,071,688	2,130,680
Interest-bearing Deposit Liabilities, Foreign	219,899	294,391
Long-term debt (less fair value hedges)	802,448	812,366
Estimate of Fair Value Measurement [Member]
Fair Value, Estimate Not Practicable, Financial Statement Captions [Line Items]
Held-to-maturity, fair value	636,484	552,088
Loans and leases (including loans held for sale), net of allowance	40,715,842	39,535,365
Time deposits	2,075,729	2,129,742
Foreign deposits	219,836	294,321
Long-term debt (less fair value hedges)	$ 831,621	$ 838,796

XML

Commitments, Guarantees, And Contingent Liabilities (Narrative) (Details) $ in Millions	Mar. 31, 2016 USD ($)
Guarantor Obligations [Line Items]
Letters of credit, accrued liability	$ 5.1
Reserve for unfunded lending commitments	2.1
Deferred commitment fees	3.0
Guarantee of trust preferred securities issued by affiliated trusts	165.0
Commitments for Private Equity and Other Noninterest-bearing Investments	20.0
Range of possible loss, minimum	0.0
Range of possible loss, maximum	$ 60.0

XML

Commitments, Guarantees, And Contingent Liabilities (Schedule Of Guarantees Issued) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unused Commitments to Extend Credit	$ 17,310,427	$ 17,169,785
Commercial Letters Of Credit	58,567	18,447
Total Unfunded Lending Commitments	18,216,165	18,066,629
Financial [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	643,514	661,554
Performance [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 203,657	$ 216,843

XML

Retirement Plans (Schedule Of Net Periodic Benefit Cost (Credit) For Pension And Postretirement Plans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0
Interest cost	1,762	1,783
Expected return on plan assets	(2,754)	(3,090)
Amortization of net actuarial (gain) loss	1,659	1,574
Net periodic benefit cost (credit)	667	267
Supplemental Retirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	0	0
Interest cost	100	101
Amortization of prior service cost (credit)	0	0
Amortization of net actuarial (gain) loss	31	31
Net periodic benefit cost (credit)	131	132
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	5	8
Interest cost	10	10
Amortization of prior service cost (credit)	0	0
Amortization of net actuarial (gain) loss	(17)	(13)
Net periodic benefit cost (credit)	$ (2)	$ 5

XML

Operating Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2016 USD ($) Branches	Mar. 31, 2015 USD ($)	Jun. 30, 2015 USD ($)
Segment Reporting Information [Line Items]
Realized Losses on Sales of CDOs			$ 137,000
Net interest income	$ 452,842	$ 417,346
Provision for loan losses	42,145	(1,494)
Net interest income after provision for loan losses	410,697	418,840
Other noninterest income	2,894	922
Noninterest expense	395,573	392,977
Income before income taxes	131,885	143,201
Income Tax Expense (Benefit)	41,448	51,176
Net income	90,437	92,025
Zions Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	153,300	152,000
Provision for loan losses	(30,600)	(4,600)
Net interest income after provision for loan losses	183,900	156,600
Other noninterest income	36,000	31,500
Noninterest expense	97,000	107,500
Net income	122,900	80,600
Total loans	12,306,000	12,101,000
Total deposits	15,700,000	15,787,000
Amegy [Member]
Segment Reporting Information [Line Items]
Net interest income	119,200	117,800
Provision for loan losses	104,500	11,100
Net interest income after provision for loan losses	14,700	106,700
Other noninterest income	29,100	29,200
Noninterest expense	85,600	93,000
Net income	(41,800)	42,900
Total loans	10,370,000	10,276,000
Total deposits	$ 11,274,000	11,524,000
Number of branches | Branches	76
California Bank Trust [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 108,100	103,800
Provision for loan losses	(3,100)	(4,100)
Net interest income after provision for loan losses	111,200	107,900
Other noninterest income	16,100	14,200
Noninterest expense	68,500	74,100
Net income	58,800	48,000
Total loans	8,905,000	8,502,000
Total deposits	$ 10,479,000	9,701,000
Number of branches | Branches	94
NBA [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 46,800	44,200
Provision for loan losses	1,900	800
Net interest income after provision for loan losses	44,900	43,400
Other noninterest income	9,500	8,200
Noninterest expense	32,400	37,200
Net income	22,000	14,400
Total loans	3,863,000	3,764,000
Total deposits	$ 4,445,000	4,178,000
Number of branches | Branches	65
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 30,900	31,100
Provision for loan losses	(25,600)	(8,700)
Net interest income after provision for loan losses	56,500	39,800
Other noninterest income	9,500	8,900
Noninterest expense	30,800	32,600
Net income	35,200	16,100
Total loans	2,263,000	2,384,000
Total deposits	$ 4,005,000	3,755,000
Number of branches | Branches	49
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 30,500	28,500
Provision for loan losses	(3,200)	3,900
Net interest income after provision for loan losses	33,700	24,600
Other noninterest income	5,800	5,000
Noninterest expense	21,400	24,000
Net income	18,100	5,600
Total loans	2,453,000	2,358,000
Total deposits	2,759,000	2,456,000
TCBW [Member]
Segment Reporting Information [Line Items]
Net interest income	9,400	8,400
Provision for loan losses	(1,800)	200
Net interest income after provision for loan losses	11,200	8,200
Other noninterest income	900	900
Noninterest expense	5,000	7,800
Net income	7,100	1,300
Total loans	733,000	713,000
Total deposits	953,000	830,000
Other Segment [Member]
Segment Reporting Information [Line Items]
Net interest income	(45,400)	(68,400)
Provision for loan losses	0	(100)
Net interest income after provision for loan losses	(45,400)	(68,300)
Other noninterest income	9,900	19,400
Noninterest expense	54,900	16,800
Net income	(90,400)	(65,700)
Total loans	110,000	81,000
Total deposits	(60,000)	(747,000)
Consolidated Entities [Member]
Segment Reporting Information [Line Items]
Net interest income	452,800	417,400
Provision for loan losses	42,100	(1,500)
Net interest income after provision for loan losses	410,700	418,900
Other noninterest income	116,800	117,300
Noninterest expense	395,600	393,000
Net income	131,900	143,200
Total loans	41,003,000	40,179,000
Total deposits	$ 49,555,000	$ 47,484,000
Utah [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	99
Idaho [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	24
WYOMING | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1
Colorado [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	36
New Mexico [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1
WASHINGTON | TCBW [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1
OREGON | TCBW [Member]
Segment Reporting Information [Line Items]
Number of branches | Branches	1