Contingencies and Guarantees (Tables)

9 Months Ended

Sep. 30, 2012

Commitments and Contingencies Disclosure [Abstract]

Changes in Repurchase Reserve

Changes in the amount of the repurchase reserve for the three and nine months ended September 30, 2012 and 2011 are as follows:

	Three Months Ended September 30, 2012
	Reserve on residential mortgage loans			Reserve on manufactured housing loans			Total repurchase reserve
Balance at beginning of period	$	750		$	1,263		$	2,013
Net realized losses	(202		)	—			(202		)
Net increase to reserve	552			(70		)	482
Balance at end of period	$	1,100		$	1,193		$	2,293

	Three Months Ended September 30, 2011
	Reserve on residential mortgage loans			Reserve on manufactured housing loans		Total repurchase reserve
Balance at beginning of period	$	465		$	1,598	$	2,063
Net realized losses	(96		)	—		(96		)
Net increase to reserve	1			6		7
Balance at end of period	$	370		$	1,604	$	1,974

	Nine Months Ended September 30, 2012
	Reserve on residential mortgage loans			Reserve on manufactured housing loans			Total repurchase reserve
Balance at beginning of period	$	470		$	1,273		$	1,743
Net realized losses	(569		)	—			(569		)
Net increase to reserve	1,199			(80		)	1,119
Balance at end of period	$	1,100		$	1,193		$	2,293

	Nine Months Ended September 30, 2011
	Reserve on residential mortgage loans			Reserve on manufactured housing loans			Total repurchase reserve
Balance at beginning of period	$	600		$	2,233		$	2,833
Net realized losses	(321		)	(35		)	(356		)
Net increase to reserve	91			(594		)	(503		)
Balance at end of period	$	370		$	1,604		$	1,974

Schedule of Product Warranty Liability

This amount represents the Corporation’s maximum exposure to loss if the customer were to draw upon the full amount of the commitment and subsequently default on payment for the total amount of the then outstanding loan.

	September 30, 2012		December 31, 2011		September 30, 2011
Loan Commitments
Commercial	$	2,406,226	$	2,023,284	$	2,047,840
Consumer	1,687,955		1,585,655		1,610,924
Total loan commitments	$	4,094,181	$	3,608,939	$	3,658,764

Schedule of Guarantor Obligations

The Corporation is a guarantor in certain agreements with third parties. The following table shows the types of guarantees the Corporation had outstanding as of September 30, 2012, December 31, 2011 and September 30, 2011.

	September 30, 2012		December 31, 2011		September 30, 2011
Financial guarantees
Standby letters of credit	$	125,791	$	135,039	$	130,186
Loans sold with recourse	39,251		38,808		40,763
Total financial guarantees	$	165,042	$	173,847	$	170,949