Allowance for loan losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for loan losses [Abstract]

Allowance for Credit Losses on Financing Receivables



	Three Months Ended June 30, 2012
	C&I			CRE			Construction			Leases		Installment			Home Equity Lines			Credit Cards			Residential Mortgages			Total
Allowance for loan losses, beginning balance	$	37,172		$	27,778		$	5,124		$	334	$	14,753		$	6,269		$	6,520		$	5,899		$	103,849
Charge-offs	(5,231		)	(2,100		)	—			—		(3,696		)	(1,465		)	(1,645		)	(878		)	(15,015		)
Recoveries	1,510			564			40			1		3,005			593			465			71			6,249
Provision for noncovered loan losses	6,876			944			(17		)	23		(1,033		)	52			1,350			571			8,766
Allowance for loan losses, ending balance	$	40,327		$	27,186		$	5,147		$	358	$	13,029		$	5,449		$	6,690		$	5,663		$	103,849

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent



	As of June 30, 2012
	C&I		CRE		Construction		Leases		Installment		Home Equity Lines		Credit Cards		Residential Mortgages		Total
Ending allowance for noncovered loan losses balance attributable to loans:
Individually evaluated for impairment	$	5,327	$	1,977	$	115	$	—	$	1,773	$	22	$	128	$	1,649	$	10,991
Collectively evaluated for impairment	35,000		25,209		5,032		358		11,256		5,427		6,562		4,014		92,858
Total ending allowance for noncovered loan losses balance	$	40,327	$	27,186	$	5,147	$	358	$	13,029	$	5,449	$	6,690	$	5,663	$	103,849
Noncovered loans:
Individually evaluated for impairment	$	25,250	$	33,145	$	5,204	$	—	$	31,043	$	6,063	$	1,998	$	18,579	$	121,282
Collectively evaluated for impairment	2,955,752		2,091,615		294,005		84,507		1,231,834		760,777		140,588		419,568		7,978,646
Total ending noncovered loan balance	$	2,981,002	$	2,124,760	$	299,209	$	84,507	$	1,262,877	$	766,840	$	142,586	$	438,147	$	8,099,928

Schedule of Credit Losses for Financing Receivables, Current

The activity within the allowance for covered loan losses for the three and six months ended June 30, 2012 and 2011 is shown in the following table:



	Three Months Ended June 30,						Six Months Ended June 30,
	2012			2011			2012			2011
Balance at beginning of the period	$	41,070		$	28,405		$	36,417		$	13,733
Provision for loan losses before benefit attributable to FDIC loss share agreements	9,648			15,156			20,479			35,666
Benefit attributable to FDIC loss share agreements	(6,218		)	(7,675		)	(11,117		)	(22,854		)
Net provision for covered loan losses	3,430			7,481			9,362			12,812
Increase in indemnification asset	6,218			7,675			11,117			22,854
Loans charged-off	(8,112		)	(10,201		)	(14,290		)	(16,039		)
Balance at end of the period	$	42,606		$	33,360		$	42,606		$	33,360

Impaired Financing Receivables



	As of June 30, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment
Impaired loans with no related allowance
Commercial
C&I	$	18,773	$	22,139	$	—	$	16,455
CRE	20,426		26,942		—		21,586
Construction	4,218		6,810		—		4,956
Consumer
Installment	—		—		—		—
Home equity line	—		—		—		—
Credit card	—		—		—		—
Residential mortgages	4,411		4,411		—		4,718
Subtotal	$	47,828	$	60,302	$	—	$	47,715
Impaired loans with a related allowance
Commercial
C&I	6,477		10,511		5,327		6,641
CRE	12,718		14,817		1,977		11,007
Construction	987		987		115		991
Consumer
Installment	31,043		31,043		1,773		31,581
Home equity line	6,063		6,063		22		6,192
Credit card	1,998		1,998		128		2,159
Residential mortgages	14,168		14,168		1,649		14,192
Subtotal	73,454		79,587		10,991		72,763
Total impaired loans	$	121,282	$	139,889	$	10,991	$	120,478

(a) These tables exclude loans fully charged off.

(b) The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.



	As of December 31, 2011
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment
Impaired loans with no related allowance
Commercial
C&I	$	6,999	$	9,121	$	—	$	8,442
CRE	29,566		46,744		—		37,720
Construction	7,522		13,675		—		9,908
Consumer
Installment	—		—		—		—
Home equity line	—		—		—		—
Credit card	—		—		—		—
Residential mortgages	4,244		4,262		—		4,450
Subtotal	48,331		73,802		—		60,520
Impaired loans with a related allowance
Commercial
C&I	1,270		1,769		2,497		752
CRE	6,521		6,789		1,599		3,247
Construction	1,798		2,864		99		1,929
Consumer
Installment	33,571		33,621		1,382		33,742
Home equity line	4,763		4,763		31		4,996
Credit card	2,202		2,202		108		2,497
Residential mortgages	13,154		13,160		1,364		13,155
Subtotal	63,279		65,168		7,080		60,318
Total impaired loans	$	111,610	$	138,970	$	7,080	$	120,838

(a) These tables exclude loans fully charged off.

(b) The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.



	As of June 30, 2011
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment
Impaired loans with no related allowance
Commercial
C&I	$	1,985	$	4,467	$	—	$	2,513
CRE	31,986		43,575		—		33,799
Construction	4,838		9,109		—		4,919
Consumer
Installment	—		—		—		—
Home equity line	—		—		—		—
Credit card	1,916		1,916		—		1,974
Residential mortgages	2,654		3,966		—		2,673
Subtotal	$	43,379	$	63,033	$	—	$	45,878
Impaired loans with a related allowance
Commercial
C&I	1,588		2,010		290		1,588
CRE	13,022		18,600		3,169		13,566
Construction	4,569		7,181		1,038		4,591
Consumer
Installment	15,703		15,724		662		15,794
Home equity line	1,242		1,242		20		1,256
Credit card	537		537		28		548
Residential mortgages	12,197		12,284		1,209		12,206
Subtotal	48,858		57,578		6,416		49,549
Total impaired loans	$	92,237	$	120,611	$	6,416	$	95,427

(a) These tables exclude loans fully charged off.

(b) The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.

Troubled Debt Restructurings on Financing Receivables



	As of June 30, 2012
	Accruing TDRs							Nonaccruing TDRs							Total		Total
	Current		Delinquent			Total		Current		Delinquent			Total		TDRS		Allowance
Noncovered loans
Commercial
C&I	$	746	$	25		$	771	$	1,086	$	2,217		$	3,303	$	4,074	$	319
CRE	14,810		—			14,810		2,020		1,788			3,808		18,618		424
Construction	3,536		—			3,536		134		300			434		3,970		115
Total noncovered commercial	19,092		25			19,117		3,240		4,305			7,545		26,662		858
Consumer
Installment	30,035		1,002			31,037		—		6			6		31,043		1,773
Home equity lines	5,508		156			5,664		298		101			399		6,063		22
Credit card	1,902		90			1,992		—		6			6		1,998		128
Residential mortgages	12,475		3,246			15,721		952		1,906			2,858		18,579		1,649
Total noncovered consumer	49,920		4,494			54,414		1,250		2,019			3,269		57,683		3,572
Covered loans
Commercial
C&I	520		—			520		665		3,914			4,579		5,099		1,384
CRE	9,437		3,801			13,238		23,670		16,297			39,967		53,205		7,721
Construction	—		—			—		8,444		6,907			15,351		15,351		923
Total covered commercial	9,957		3,801		—	13,758		32,779		27,118		—	59,897		73,655		10,028
Total TDRs	$	78,969	$	8,320		$	87,289	$	37,269	$	33,442		$	70,711	$	158,000	$	14,458



	As of December 31, 2011
	Accruing TDRs							Nonaccruing TDRs							Total		Total
	Current		Delinquent			Total		Current		Delinquent			Total		TDRS		Allowance
Noncovered loans
Commercial
C&I	$	91	$	—		$	91	$	—	$	2,421		$	2,421	$	2,512	$	247
CRE	3,305		513			3,818		3,590		1,759			5,349		9,167		236
Construction	2,782		—			2,782		304		237			541		3,323		99
Total noncovered commercial	6,178		513			6,691		3,894		4,417			8,311		15,002		582
Consumer
Installment	31,635		1,802			33,437		—		134			134		33,571		1,382
Home equity lines	4,226		222			4,448		76		239			315		4,763		31
Credit card	2,073		110			2,183		—		19			19		2,202		108
Residential mortgages	13,694		707			14,401		1,635		1,362			2,997		17,398		1,364
Total noncovered consumer	51,628		2,841			54,469		1,711		1,754			3,465		57,934		2,885
Covered loans
Commercial
C&I	565		—			565		1,022		5,991			7,013		7,578		1,384
CRE	13,562		—			13,562		21,521		22,703			44,224		57,786		6,567
Construction	—		—			—		5,838		6,218			12,056		12,056		696
Total covered commercial	14,127		—		—	14,127		28,381		34,912		—	63,293		77,420		8,647
Total TDRs	$	71,933	$	3,354		$	75,287	$	33,986	$	41,083		$	75,069	$	150,356	$	12,114



			As of June 30, 2012
			Number of Loans	Recorded Investment		Unpaid Principal Balance
Noncovered loans
	Commercial
		C&I	19	$	4,074	$	10,584
		CRE	35	18,618		22,135
		Construction	27	3,970		4,542
		Subtotal	81	26,662		37,261
	Consumer
		Installment	1,485	31,043		31,043
		Home equity lines	194	6,063		6,063
		Credit card	461	1,998		1,998
		Residential mortgages	187	18,579		18,579
		Subtotal	2,327	57,683		57,683
Covered loans
	Commercial
		C&I	11	5,099		6,668
		CRE	25	53,205		57,766
		Construction	10	15,351		43,427
		Subtotal	46	73,655		107,861
		Total	2,454	$	158,000	$	202,805

(a) The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.



			As of December 31, 2011
			Number of Loans	Recorded Investment		Unpaid Principal Balance
Noncovered loans
	Commercial
		C&I	14	$	2,512	$	4,336
		CRE	28	9,167		12,659
		Construction	22	3,323		3,985
		Subtotal	64	15,002		20,980
	Consumer
		Installment	1,547	33,571		33,621
		Home equity lines	174	4,763		4,763
		Credit card	496	2,202		2,202
		Residential mortgages	177	17,398		17,422
		Subtotal	2,394	57,934		58,008
Covered loans
	Commercial
		C&I	15	7,578		10,812
		CRE	21	57,786		62,159
		Construction	8	12,056		32,035
		Subtotal	44	77,420		105,006
		Total	2,502	$	150,356	$	183,994

(a) The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.

Schedule of Debtor Troubled Debt Restructuring, Current Period



	As of June 30, 2012
	Number of Loans	Recorded Investment
Noncovered loans
Commercial
C&I	—	$	—
CRE	—	—
Construction	—	—
Total noncovered commercial	—	—
Consumer
Installment	105	1,834
Home equity lines	12	450
Credit card	14	88
Residential mortgages	17	1,658
Total noncovered consumer	148	4,030
Covered loans
Commercial
C&I	—	—
CRE	—	—
Construction	—	—
Total covered commercial	—	—
Total	148	$	4,030

- Definition

Tabular disclosure of troubled debt restructurings in the current period: (1) for each restructuring, the principal changes in terms, the major features of settlement, or both; (2) the aggregate gain (loss) on restructuring of payables; (3) the income tax effect on the gain or loss recognized on the restructuring of payables; (4) the gain (loss) recognized on the restructuring of payables, after the impact of income tax expense or benefit; and (5) the aggregate gain (loss) on transfer of assets recognized during the period, after the impact of income tax expense or benefit.

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