Loans And Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2012

Loans And Allowance For Loan Losses [Abstract]

Summary Classification Of Held To Maturity Loan Portfolio

(In thousands)	Mar. 31, 2012		Dec. 31, 2011
Commercial:
Business	$	2,920,237	$	2,808,265
Real estate – construction and land	376,642		386,598
Real estate – business	2,203,686		2,180,100
Personal Banking:
Real estate – personal	1,458,467		1,428,777
Consumer	1,113,481		1,114,889
Revolving home equity	448,169		463,587
Consumer credit card	723,759		788,701
Overdrafts	3,530		6,561
Total loans	$	9,247,971	$	9,177,478

Summary Of Activity In The Allowance For Loan Losses

	For the Three Months Ended March 31, 2012							For the Three Months Ended March 31, 2011
(In thousands)	Commercial			Personal Banking		Total		Commercial		Personal Banking		Total
Balance at January 1	$	122,497		$	62,035	$	184,532	$	119,946	$	77,592	$	197,538
Provision	(3,198		)	11,363		8,165		13,465		2,324		15,789
Deductions:
Loans charged off	2,528			13,389		15,917		6,364		17,025		23,389
Less recoveries on loans	703			4,049		4,752		1,304		3,296		4,600
Net loans charged off	1,825			9,340		11,165		5,060		13,729		18,789
Balance at March 31	$	117,474		$	64,058	$	181,532	$	128,351	$	66,187	$	194,538

Allowance For Loan Losses And Related Loan Balance Disaggregated On The Basis Of Impairment Methodology

(In thousands)	Commercial		Personal    Banking		Total
March 31, 2012
Allowance for loan losses:
Impaired loans	$	5,221	$	4,751	$	9,972
All other loans	112,253		59,307		171,560
Loans outstanding:
Impaired loans	102,005		30,686		132,691
All other loans	5,398,560		3,716,720		9,115,280
December 31, 2011
Allowance for loan losses:
Impaired loans	$	6,668	$	4,090	$	10,758
All other loans	115,829		57,945		173,774
Loans outstanding:
Impaired loans	108,167		31,088		139,255
All other loans	5,266,796		3,771,427		9,038,223

Investment In Impaired Loans

(In thousands)	Mar. 31, 2012		Dec. 31, 2011
Non-accrual loans	$	68,875	$	75,482
Restructured loans (accruing)	63,816		63,773
Total impaired loans	$	132,691	$	139,255

Additional Information About Impaired Loans Held

(In thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
March 31, 2012
With no related allowance recorded:
Business	$	16,179	$	20,555	$	—
Real estate – construction and land	18,303		40,607		—
Real estate – business	11,705		14,747		—
Real estate – personal	770		782		—
	$	46,957	$	76,691	$	—
With an allowance recorded:
Business	$	16,833	$	20,030	$	1,566
Real estate – construction and land	25,948		27,629		2,540
Real estate – business	13,037		18,147		1,115
Real estate – personal	7,448		10,194		617
Consumer credit card	22,468		22,468		4,134
	$	85,734	$	98,468	$	9,972
Total	$	132,691	$	175,159	$	9,972
December 31, 2011
With no related allowance recorded:
Business	$	19,759	$	22,497	$	—
Real estate – construction and land	8,391		22,746		—
Real estate – business	6,853		9,312		—
Real estate – personal	793		793		—
	$	35,796	$	55,348	$	—
With an allowance recorded:
Business	$	15,604	$	19,286	$	1,500
Real estate – construction and land	37,387		47,516		2,580
Real estate – business	20,173		24,799		2,588
Real estate – personal	7,867		10,671		795
Consumer credit card	22,428		22,428		3,295
	$	103,459	$	124,700	$	10,758
Total	$	139,255	$	180,048	$	10,758

Total Average Impaired Loans

(In thousands)	Commercial		Personal Banking		Total
Average impaired loans:
For the Three Months Ended March 31, 2012
Non-accrual loans	$	67,564	$	7,409	$	74,973
Restructured loans (accruing)	40,226		23,554		63,780
Total	$	107,790	$	30,963	$	138,753
For the Three Months Ended March 31, 2011
Non-accrual loans	$	75,302	$	7,027	$	82,329
Restructured loans (accruing)	42,936		20,528		63,464
Total	$	118,238	$	27,555	$	145,793

Interest Income Recognized On Impaired Loans

	For the Three Months Ended March 31
(In thousands)	2012		2011
Interest income recognized on impaired loans:
Business	$	105	$	101
Real estate - construction and land	250		260
Real estate - business	54		96
Real estate - personal	14		18
Consumer credit card	326		395
Total	$	749	$	870

Aging Information On Past Due And Nonaccrual Loans

(In thousands)	Current or Less Than 30 Days Past Due		30 – 89 Days Past Due		90 Days Past Due and Still Accruing		Non-accrual		Total
March 31, 2012
Commercial:
Business	$	2,893,883	$	5,430	$	782	$	20,142	$	2,920,237
Real estate – construction and land	341,369		14,068		150		21,055		376,642
Real estate – business	2,168,501		12,892		1,638		20,655		2,203,686
Personal Banking:
Real estate – personal	1,437,273		11,020		3,151		7,023		1,458,467
Consumer	1,101,279		10,511		1,691		—		1,113,481
Revolving home equity	445,990		911		1,268		—		448,169
Consumer credit card	707,328		8,683		7,748		—		723,759
Overdrafts	3,223		307		—		—		3,530
Total	$	9,098,846	$	63,822	$	16,428	$	68,875	$	9,247,971
December 31, 2011
Commercial:
Business	$	2,777,578	$	4,368	$	595	$	25,724	$	2,808,265
Real estate – construction and land	362,592		1,113		121		22,772		386,598
Real estate – business	2,151,822		8,875		29		19,374		2,180,100
Personal Banking:
Real estate – personal	1,406,449		11,671		3,045		7,612		1,428,777
Consumer	1,096,742		15,917		2,230		—		1,114,889
Revolving home equity	461,941		1,003		643		—		463,587
Consumer credit card	769,922		10,484		8,295		—		788,701
Overdrafts	6,173		388		—		—		6,561
Total	$	9,033,219	$	53,819	$	14,958	$	75,482	$	9,177,478

Credit Quality Of Commercial Loan Portfolio

Commercial Loans
(In thousands)	Business		Real  Estate-Construction		Real Estate- Business		Total
March 31, 2012
Pass	$	2,781,156	$	300,425	$	2,033,726	$	5,115,307
Special mention	65,202		6,525		56,097		127,824
Substandard	53,737		48,637		93,208		195,582
Non-accrual	20,142		21,055		20,655		61,852
Total	$	2,920,237	$	376,642	$	2,203,686	$	5,500,565
December 31, 2011
Pass	$	2,669,868	$	304,408	$	1,994,391	$	4,968,667
Special mention	37,460		4,722		52,683		94,865
Substandard	75,213		54,696		113,652		243,561
Non-accrual	25,724		22,772		19,374		67,870
Total	$	2,808,265	$	386,598	$	2,180,100	$	5,374,963

Summary Of Loans In The Personal Banking Portfolio Percentage Of Balances Outstanding

Personal Banking Loans
	% of Loan Category
	Real Estate - Personal		Consumer		Revolving Home Equity		Consumer Credit Card
March 31, 2012
FICO score:
Under 600	3.3	%	8.5	%	2.5	%	5.2	%
600 - 659	4.7		11.6		5.2		12.2
660 - 719	11.7		23.8		17.8		33.0
720 - 780	31.1		25.6		29.3		28.1
Over 780	49.2		30.5		45.2		21.5
Total	100.0	%	100.0	%	100.0	%	100.0	%

Outstanding Balance Of Loans Classified As Troubled Debt Restructurings

(In thousands)	March 31, 2012		Balance 90 days past due at any time during previous 12 months
Commercial:
Business	$	22,586	$	—
Real estate - construction and land	38,439		9,506
Real estate - business	8,216		1,595
Personal Banking:
Real estate - personal	3,164		—
Consumer credit card	22,468		6,698
Total restructured loans	$	94,873	$	17,799

Loans Held For Sale, Including Impairment Allowance

(In thousands)	Mar. 31, 2012			Dec. 31, 2011
Balance outstanding:
Student loans, at cost	$	9,844		$	28,706
Residential mortgage loans, at cost	—			2,545
Valuation allowance on student loans	(171		)	(175		)
Total loans held for sale, at lower of cost or fair value	$	9,673		$	31,076
	For the Three Months Ended March 31
(In thousands)	2012			2011
Net gains on sales:
Student loans	$	309		$	68
Residential mortgage loans	49			503
Total gains on sales of loans held for sale, net	$	358		$	571