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Reserve for Loan and Lease Losses (Tables)
 9 Months Ended
Sep. 30, 2013
Reserve for Loan and Lease Losses  
Schedule of changes in reserve for loan and lease losses, segregated by class

Changes in the reserve for loan and lease losses, segregated by class, for the three months ended September 30, 2013 and 2012 are shown below.

 

 

 

 

 

Auto, light truck

 

 

 

 

 

Construction

 

 

 

 

 

 

 

 

 

 

 

Commercial and

 

and environmental

 

Medium and

 

Aircraft

 

equipment

 

Commercial

 

Residential

 

Consumer

 

 

 

(Dollars in thousands)

 

agricultural loans

 

equipment

 

heavy duty truck

 

financing

 

financing

 

real estate

 

real estate

 

loans

 

Total

 

September 30, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

12,202

 

$

11,889

 

$

3,178

 

$

33,323

 

$

6,065

 

$

13,529

 

$

3,895

 

$

1,609

 

$

85,690

 

Charge-offs

 

49

 

50

 

—

 

1,277

 

—

 

—

 

76

 

219

 

1,671

 

Recoveries

 

114

 

98

 

308

 

98

 

64

 

150

 

1

 

74

 

907

 

Net charge-offs (recoveries)

 

(65

)

(48

)

(308

)

1,179

 

(64

)

(150

)

75

 

145

 

764

 

Provision (recovery of provision)

 

(255

)

(1,588

)

(83

)

1,670

 

448

 

(801

)

70

 

120

 

(419

)

Balance, end of period

 

$

12,012

 

$

10,349

 

$

3,403

 

$

33,814

 

$

6,577

 

$

12,878

 

$

3,890

 

$

1,584

 

$

84,507

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

49

 

$

—

 

$

—

 

$

1,491

 

$

—

 

$

—

 

$

—

 

$

—

 

$

1,540

 

Ending balance, collectively evaluated for impairment

 

11,963

 

10,349

 

3,403

 

32,323

 

6,577

 

12,878

 

3,890

 

1,584

 

82,967

 

Total reserve for loan and lease losses

 

$

12,012

 

$

10,349

 

$

3,403

 

$

33,814

 

$

6,577

 

$

12,878

 

$

3,890

 

$

1,584

 

$

84,507

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

11,659

 

$

—

 

$

594

 

$

11,433

 

$

1,214

 

$

15,339

 

$

—

 

$

—

 

$

40,239

 

Ending balance, collectively evaluated for impairment

 

640,521

 

452,405

 

192,380

 

692,639

 

314,132

 

558,940

 

455,327

 

121,535

 

3,427,879

 

Total recorded investement in loans

 

$

652,180

 

$

452,405

 

$

192,974

 

$

704,072

 

$

315,346

 

$

574,279

 

$

455,327

 

$

121,535

 

$

3,468,118

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

13,077

 

$

10,300

 

$

3,618

 

$

29,871

 

$

6,330

 

$

15,172

 

$

3,521

 

$

1,410

 

$

83,299

 

Charge-offs

 

214

 

210

 

—

 

461

 

1

 

132

 

159

 

311

 

1,488

 

Recoveries

 

60

 

356

 

125

 

163

 

149

 

91

 

4

 

90

 

1,038

 

Net charge-offs (recoveries)

 

154

 

(146

)

(125

)

298

 

(148

)

41

 

155

 

221

 

450

 

Provision (recovery of provision)

 

433

 

(496

)

(377

)

1,427

 

(585

)

(99

)

74

 

273

 

650

 

Balance, end of period

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

878

 

$

500

 

$

—

 

$

886

 

$

—

 

$

49

 

$

—

 

$

—

 

$

2,313

 

Ending balance, collectively evaluated for impairment

 

12,478

 

9,450

 

3,366

 

30,114

 

5,893

 

14,983

 

3,440

 

1,462

 

81,186

 

Total reserve for loan and lease losses

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

9,148

 

$

2,233

 

$

322

 

$

5,734

 

$

4,355

 

$

22,524

 

$

103

 

$

—

 

$

44,419

 

Ending balance, collectively evaluated for impairment

 

575,848

 

454,432

 

167,387

 

680,066

 

271,915

 

526,397

 

436,806

 

111,143

 

3,223,994

 

Total recorded investement in loans

 

$

584,996

 

$

456,665

 

$

167,709

 

$

685,800

 

$

276,270

 

$

548,921

 

$

436,909

 

$

111,143

 

$

3,268,413

 

 

Changes in the reserve for loan and lease losses, segregated by class, for the nine months ended September 30, 2013 and 2012 are shown below.

 

 

 

 

 

Auto, light truck

 

 

 

 

 

Construction

 

 

 

 

 

 

 

 

 

 

 

Commercial and

 

and environmental

 

Medium and

 

Aircraft

 

equipment

 

Commercial

 

Residential

 

Consumer

 

 

 

(Dollars in thousands)

 

agricultural loans

 

equipment

 

heavy duty truck

 

financing

 

financing

 

real estate

 

real estate

 

loans

 

Total

 

September 30, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

12,326

 

$

9,584

 

$

3,001

 

$

34,205

 

$

5,390

 

$

13,778

 

$

3,652

 

$

1,375

 

$

83,311

 

Charge-offs

 

463

 

51

 

—

 

1,308

 

88

 

164

 

230

 

820

 

3,124

 

Recoveries

 

355

 

236

 

337

 

782

 

138

 

560

 

12

 

269

 

2,689

 

Net charge-offs (recoveries)

 

108

 

(185

)

(337

)

526

 

(50

)

(396

)

218

 

551

 

435

 

Provision (recovery of provision)

 

(206

)

580

 

65

 

135

 

1,137

 

(1,296

)

456

 

760

 

1,631

 

Balance, end of period

 

$

12,012

 

$

10,349

 

$

3,403

 

$

33,814

 

$

6,577

 

$

12,878

 

$

3,890

 

$

1,584

 

$

84,507

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

49

 

$

—

 

$

—

 

$

1,491

 

$

—

 

$

—

 

$

—

 

$

—

 

$

1,540

 

Ending balance, collectively evaluated for impairment

 

11,963

 

10,349

 

3,403

 

32,323

 

6,577

 

12,878

 

3,890

 

1,584

 

82,967

 

Total reserve for loan and lease losses

 

$

12,012

 

$

10,349

 

$

3,403

 

$

33,814

 

$

6,577

 

$

12,878

 

$

3,890

 

$

1,584

 

$

84,507

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

11,659

 

$

—

 

$

594

 

$

11,433

 

$

1,214

 

$

15,339

 

$

—

 

$

—

 

$

40,239

 

Ending balance, collectively evaluated for impairment

 

640,521

 

452,405

 

192,380

 

692,639

 

314,132

 

558,940

 

455,327

 

121,535

 

3,427,879

 

Total recorded investement in loans

 

$

652,180

 

$

452,405

 

$

192,974

 

$

704,072

 

$

315,346

 

$

574,279

 

$

455,327

 

$

121,535

 

$

3,468,118

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

13,091

 

$

8,469

 

$

3,742

 

$

28,626

 

$

6,295

 

$

16,772

 

$

3,362

 

$

1,287

 

$

81,644

 

Charge-offs

 

486

 

3,110

 

—

 

600

 

120

 

274

 

232

 

1,106

 

5,928

 

Recoveries

 

224

 

1,214

 

147

 

484

 

233

 

170

 

38

 

314

 

2,824

 

Net charge-offs (recoveries)

 

262

 

1,896

 

(147

)

116

 

(113

)

104

 

194

 

792

 

3,104

 

Provision (recovery of provision)

 

527

 

3,377

 

(523

)

2,490

 

(515

)

(1,636

)

272

 

967

 

4,959

 

Balance, end of period

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

878

 

$

500

 

$

—

 

$

886

 

$

—

 

$

49

 

$

—

 

$

—

 

$

2,313

 

Ending balance, collectively evaluated for impairment

 

12,478

 

9,450

 

3,366

 

30,114

 

5,893

 

14,983

 

3,440

 

1,462

 

81,186

 

Total reserve for loan and lease losses

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

9,148

 

$

2,233

 

$

322

 

$

5,734

 

$

4,355

 

$

22,524

 

$

103

 

$

—

 

$

44,419

 

Ending balance, collectively evaluated for impairment

 

575,848

 

454,432

 

167,387

 

680,066

 

271,915

 

526,397

 

436,806

 

111,143

 

3,223,994

 

Total recorded investement in loans

 

$

584,996

 

$

456,665

 

$

167,709

 

$

685,800

 

$

276,270

 

$

548,921

 

$

436,909

 

$

111,143

 

$

3,268,413