Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Total non-covered and covered loans outstanding

Total noncovered and covered loans outstanding are as follows:



		As of December 31,
		2012			2011
Commercial		$	5,866,489		$	5,107,747
Residential mortgage		445,211			413,664
Installment		1,328,258			1,263,665
Home equity		806,078			743,982
Credit cards		146,387			146,356
Leases		139,236			73,530
	Total noncovered loans (a)	8,731,659			7,748,944
Allowance for noncovered loan losses		(98,942		)	(107,699		)
	Net noncovered loans	8,632,717			7,641,245
Covered loans (b)		1,019,125			1,497,140
Allowance for covered loan losses		(43,255		)	(36,417		)
	Net covered loans	975,870			1,460,723
	Net loans	$	9,608,587		$	9,101,968

(a) Includes acquired, noncovered loans of $54.2 million and $113.2 million as of December 31, 2012 and 2011, respectively.

(b) Includes loss share receivable of $113.7 million and $205.7 million as of December 31, 2012 and 2011, respectively.

Summary of loans to related parties

An analysis of loan activity with related parties for the years ended December 31, 2012, 2011 and 2010 is summarized as follows:



	Years Ended December 31,
	2012			2011			2010
Aggregate amount at beginning of year	$	15,629		$	15,723		$	20,126
New loans	3,500			2,458			6,115
Repayments	(2,739		)	(2,552		)	(7,171		)
Changes in directors and their affiliations	188			—			(3,347		)
Aggregate amount at end of year	$	16,578		$	15,629		$	15,723

Changes in Loss Share Receivable Associated with Covered Loans [Table Text Block]

Changes in the loss share receivable associated with covered loans for the twelve months ended December 31, 2012 and 2011, respectively, were as follows:



	Twelve Months Ended
	December 31, 2012			December 31, 2011
Balance at beginning of period	$	205,664		$	290,100
Accretion	(34,903		)	(40,559		)
Increase due to impairment	14,728			42,552
FDIC reimbursement	(58,099		)	(76,813		)
Covered loans paid in full	(13,656		)	(9,616		)
Balance at end of the period	$	113,734		$	205,664

Changes in Carrying Amount of Accretable Yield for Purchased Loans [Table Text Block]

Changes in the carrying amount and accretable yield for Acquired Impaired Loans were as follows for the twelve months ended December 31, 2012 and 2011:



	Twelve Months Ended
	December 31, 2012						December 31, 2011
	Accretable Yield			Carrying Amount of Loans			Accretable Yield			Carrying Amount of Loans
Balance at beginning of period	$	176,736		$	1,128,978		$	227,652		$	1,512,817
Accretion	(96,748		)	96,748			(130,424		)	130,424
Net reclassifications from non-accretable to accretable	38,177			—			82,835			—
Payments received, net	—			(463,340		)	—			(514,263		)
Disposals	(4,877		)	—			(3,327		)	—
Balance at end of period	$	113,288		$	762,386		$	176,736		$	1,128,978

Reconciliation of Carrying Amount of Acquired Impaired Loans [Table Text Block]

A reconciliation of the contractual required payments receivable to the carrying amount of Acquired Impaired Loans as of December 31, 2012 and 2011 is as follows:



	December 31, 2012			December 31, 2011
Contractual required payments receivable	$	1,166,570		$	1,609,852
Nonaccretable difference	(290,896		)	(304,138		)
Expected cash flows	875,674			1,305,714
Accretable yield	(113,288		)	(176,736		)
Carrying balance	$	762,386		$	1,128,978

Past Due Financing Receivables



As of December 31, 2012
Legacy Loans													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing (a)		Loans
Commercial
C&I	$	3,814	$	1,788	$	3,571	$	9,173	$	3,294,527	$	3,303,700	$	104	$	5,255
CRE	4,181		4,483		8,901		17,565		2,175,967		2,193,532		382		13,018
Construction	981		—		597		1,578		333,969		335,547		—		731
Leases	6		—		—		6		139,230		139,236		—		—
Consumer
Installment	11,722		3,193		5,608		20,523		1,305,921		1,326,444		4,909		2,911
Home Equity Lines	1,584		880		1,227		3,691		784,988		788,679		475		1,557
Credit Cards	969		558		954		2,481		143,906		146,387		438		598
Residential Mortgages	13,228		2,488		5,231		20,947		423,028		443,975		3,076		9,852
Total	$	36,485	$	13,390	$	26,089	$	75,964	$	8,601,536	$	8,677,500	$	9,384	$	33,922
Acquired Loans (Noncovered)													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing		Loans
Commercial
C&I	$	—	$	198	$	—	$	198	$	2,628	$	2,826	$	—	$	—
CRE	—		47		2,634		2,681		28,203		30,884		—		2,762
Consumer
Installment	—		—		31		31		1,783		1,814		33		3
Home Equity Lines	—		—		—		—		17,399		17,399		—		—
Residential Mortgages	63		—		—		63		1,173		1,236		—		—
Total	$	63	$	245	$	2,665	$	2,973	$	51,186	$	54,159	$	33	$	2,765
Covered Loans (b)													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing (c)		Loans (c)
Commercial
C&I	$	931	$	981	$	24,111	$	26,023	$	102,486	$	128,509	n/a		n/a
CRE	4,130		15,019		172,444		191,593		348,002		539,595		n/a		n/a
Construction	589		7,925		34,314		42,828		7,505		50,333		n/a		n/a
Consumer
Installment	1		65		21		87		8,102		8,189		n/a		n/a
Home Equity Lines	1,528		654		2,211		4,393		112,832		117,225		n/a		n/a
Residential Mortgages	10,005		442		7,763		18,210		43,330		61,540		n/a		n/a
Total	$	17,184	$	25,086	$	240,864	$	283,134	$	622,257	$	905,391	n/a		n/a

(a) Installment loans 90 days or more past due and accruing include $3.4 million of loans guaranteed by the U.S. government as of December 31, 2012.

(b) Excludes loss share receivable of $113.7 million as of December 31, 2012.

(c) Acquired impaired loans were not classified as nonperforming assets at December 31, 2012 as the loans are considered to be performing under ASC 310-30. As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cash flows, is being recognized on all acquired impaired loans. These asset quality disclosures are, therefore, not applicable to acquired impaired loans.



As of December 31, 2011
Legacy Loans													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing (a)		Loans
Commercial
C&I	$	1,521	$	940	$	5,490	$	7,951	$	2,740,751	$	2,748,702	$	465	$	9,266
CRE	6,187		4,819		29,976		40,982		1,951,211		1,992,193		984		36,025
Construction	39		—		7,837		7,876		269,459		277,335		609		7,575
Leases	—		—		—		—		73,530		73,530		—		—
Consumer
Installment	11,531		3,388		5,167		20,086		1,241,059		1,261,145		4,864		624
Home Equity Lines	2,627		778		1,241		4,646		720,045		724,691		796		1,102
Credit Cards	1,090		707		1,019		2,816		143,540		146,356		403		622
Residential Mortgages	11,778		2,059		9,719		23,556		388,268		411,824		3,252		6,468
Total	$	34,773	$	12,691	$	60,449	$	107,913	$	7,527,863	$	7,635,776	$	11,373	$	61,682

Acquired Loans (Noncovered)													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing		Loans
Commercial
C&I	$	—	$	—	$	66	$	66	$	26,708	$	26,774	$	—	$	69
CRE	—		452		1,675		2,127		60,616		62,743		—		2,880
Consumer
Installment	—		—		1		1		2,519		2,520		1		—
Home Equity Lines	67		—		1		68		19,223		19,291		2		—
Residential Mortgages	—		—		—		—		1,840		1,840		—		—
Total	$	67	$	452	$	1,743	$	2,262	$	110,906	$	113,168	$	3	$	2,949

Covered Loans (b)													≥ 90 Days
	Days Past Due						Total				Total		Past Due and		Nonaccrual
	30-59		60-89		≥ 90		Past Due		Current		Loans		Accruing (c)		Loans (c)
Commercial
C&I	$	7,451	$	2,137	$	25,801	$	35,389	$	162,150	$	197,539	n/a		n/a
CRE	20,379		12,895		170,795		204,069		573,779		777,848		n/a		n/a
Construction	4,206		1,674		57,978		63,858		26,051		89,909		n/a		n/a
Consumer
Installment	24		25		60		109		10,013		10,122		n/a		n/a
Home Equity Lines	2,656		1,094		1,088		4,838		136,710		141,548		n/a		n/a
Residential Mortgages	14,106		164		14,254		28,524		45,986		74,510		n/a		n/a
Total	$	48,822	$	17,989	$	269,976	$	336,787	$	954,689	$	1,291,476	n/a		n/a

(a) Installment loans 90 days or more past due and accruing include $3.0 million of loans guaranteed by the U.S. government as of December 31, 2011.

(b) Excludes loss share receivable of $205.7 million as of December 31, 2011.

(c) Acquired impaired loans were not classified as nonperforming assets at December 31, 2011 as the loans are considered to be performing under ASC 310-30. As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cash flows, is being recognized on all acquired impaired loans. These asset quality disclosures are, therefore, not applicable to acquired impaired loans.

Financing Receivables Credit Quality Indicators



As of December 31, 2012
Legacy Loans
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	42,211	$	—	$	—	$	13,119
Grade 2	114,480		3,138		—		179
Grade 3	661,692		254,749		17,652		20,042
Grade 4	2,406,174		1,818,818		311,271		104,037
Grade 5	44,638		53,008		3,057		1,561
Grade 6	34,505		63,819		3,567		298
Grade 7	—		—		—		—
Total	$	3,303,700	$	2,193,532	$	335,547	$	139,236
Acquired Loans (Noncovered)
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	—	$	—	$	—	$	—
Grade 2	—		—		—		—
Grade 3	—		—		—		—
Grade 4	2,495		26,868		—		—
Grade 5	331		667		—		—
Grade 6	—		3,349		—		—
Grade 7	—		—		—		—
Total	$	2,826	$	30,884	$	—	$	—
Covered Loans
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	—	$	—	$	—	$	—
Grade 2	1,526		—		—		—
Grade 3	—		—		—		—
Grade 4	73,480		214,987		476		—
Grade 5	3,215		30,708		1,331		—
Grade 6	47,468		292,158		45,838		—
Grade 7	2,820		1,742		2,688		—
Total	$	128,509	$	539,595	$	50,333	$	—



As of December 31, 2011
Legacy Loans
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	37,607	$	—	$	—	$	10,636
Grade 2	122,124		4,218		615		—
Grade 3	479,119		249,382		16,752		5,868
Grade 4	1,973,671		1,548,420		241,302		57,026
Grade 5	50,789		58,942		4,583		—
Grade 6	85,392		130,968		14,083		—
Grade 7	—		263		—		—
Total	$	2,748,702	$	1,992,193	$	277,335	$	73,530
Acquired Loans (Noncovered)
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	—	$	—	$	—	$	—
Grade 2	—		—		—		—
Grade 3	—		1,871		—		—
Grade 4	26,036		55,129		—		—
Grade 5	—		—		—		—
Grade 6	738		5,743		—		—
Grade 7	—		—		—		—
Total	$	26,774	$	62,743	$	—	$	—
Covered Loans
	Commercial
	C&I		CRE		Construction		Leases
Grade 1	$	948	$	—	$	—	$	—
Grade 2	1,376		—		—		—
Grade 3	—		516		—		—
Grade 4	109,360		303,231		487		—
Grade 5	9,661		103,919		1,567		—
Grade 6	69,330		344,445		80,009		—
Grade 7	6,864		25,737		7,846		—
Total	$	197,539	$	777,848	$	89,909	$	—

Activity within the allowance for loan loss for noncovered loans

The activity within the allowance for noncovered loan losses, by portfolio type, for the twelve months ended December 31, 2012 and 2011 is shown in the following tables:



For the Year Ended December 31, 2012
	C&I			CRE			Construction			Leases			Installment			Home Equity Lines			Credit Cards			Residential Mortgages			Total
Allowance for loan losses, beginning balance	$	32,363		$	31,857		$	5,173		$	341		$	17,981		$	6,766		$	7,369		$	5,849		$	107,699
Charge-offs	(22,639		)	(5,312		)	(697		)	(144		)	(18,029		)	(8,949		)	(6,171		)	(3,964		)	(65,905		)
Recoveries	4,266			911			449			38			11,694			3,441			2,138			235			23,172
Provision for loan losses	22,219			(7,330		)	(1,104		)	404			(492		)	12,466			4,048			3,765			33,976
Allowance for loan losses, ending balance	$	36,209		$	20,126		$	3,821		$	639		$	11,154		$	13,724		$	7,384		$	5,885		$	98,942



For the Year Ended December 31, 2011
	C&I			CRE			Construction			Leases			Installment			Home Equity Lines			Credit Cards			Residential Mortgages			Total
Allowance for loan losses, beginning balance	$	29,764		$	32,026		$	7,180		$	475		$	21,555		$	7,217		$	11,107		$	5,366		$	114,690
Charge-offs	(17,399		)	(10,571		)	(3,973		)	(778		)	(25,838		)	(11,543		)	(7,846		)	(4,819		)	(82,767		)
Recoveries	1,388			630			684			37			13,758			2,759			2,264			221			21,741
Provision for loan losses	18,610			9,772			1,282			607			8,506			8,333			1,844			5,081			54,035
Allowance for loan losses, ending balance	$	32,363		$	31,857		$	5,173		$	341		$	17,981		$	6,766		$	7,369		$	5,849		$	107,699

The following tables present the allowance for noncovered loan losses and the recorded investment in noncovered loans, by portfolio type, based on impairment method as of December 31, 2012 and 2011.



As of December 31, 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	$	577	$	913	$	105	$	—	$	1,526	$	34	$	127	$	1,722	$	5,004
	Collectively evaluated for impairment	35,632		19,213		3,716		639		9,628		13,690		7,257		4,163		93,938
Total ending allowance for noncovered loan losses balance		$	36,209	$	20,126	$	3,821	$	639	$	11,154	$	13,724	$	7,384	$	5,885	$	98,942
Noncovered loans:
	Loans individually evaluated for impairment	$	6,187	$	24,007	$	3,405	$	—	$	30,870	$	6,281	$	1,612	$	24,009	$	96,371
	Loans collectively evaluated for impairment	3,300,339		2,200,409		332,142		139,236		1,297,388		799,797		144,775		421,202		8,635,288
Total ending noncovered loan balance		$	3,306,526	$	2,224,416	$	335,547	$	139,236	$	1,328,258	$	806,078	$	146,387	$	445,211	$	8,731,659



As of December 31, 2011
		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	$	2,497	$	1,599	$	99	$	—	$	1,382	$	31	$	108	$	1,364	$	7,080
	Collectively evaluated for impairment	29,866		30,258		5,074		341		16,599		6,735		7,261		4,485		100,619
Total ending allowance for noncovered loan losses balance		$	32,363	$	31,857	$	5,173	$	341	$	17,981	$	6,766	$	7,369	$	5,849	$	107,699
Noncovered loans:
	Loans individually evaluated for impairment	$	8,269	$	36,087	$	9,320	$	—	$	33,571	$	4,763	$	2,202	$	17,398	$	111,610
	Loans collectively evaluated for impairment	2,767,207		2,018,849		268,015		73,530		1,230,094		739,219		144,154		396,266		7,637,334
Total ending noncovered loan balance		$	2,775,476	$	2,054,936	$	277,335	$	73,530	$	1,263,665	$	743,982	$	146,356	$	413,664	$	7,748,944

Activity within the allowance for loan loss for covered loans

The activity within the allowance for covered loan losses for the twelve months ended December 31, 2012 and 2011 is shown in the following table:



		Twelve Months Ended
		December 31,
		2012			2011
Balance at beginning of the period		$	36,417		$	13,733
	Provision for loan losses before benefit attributable to FDIC loss share agreements	35,450			62,905
	Benefit attributable to FDIC loss share agreements	(14,728		)	(42,552		)
Net provision for loan losses		20,722			20,353
Increase in indemnification asset		14,728			42,552
Loans charged-off		(28,612		)	(40,221		)
Balance at end of the period		$	43,255		$	36,417

Summary of impaired noncovered loans



As of December 31, 2012
				Unpaid				Average
		Recorded		Principal		Related		Recorded
		Investment		Balance		Allowance		Investment
Impaired loans with no related allowance
Commercial
	C&I	$	3,098	$	14,473	$	—	$	12,533
	CRE	19,664		26,402		—		23,911
	Construction	2,684		3,306		—		3,861
Consumer
	Installment	2,527		3,947		—		4,251
	Home equity line	642		849		—		860
	Credit card	467		467		—		568
	Residential mortgages	9,578		12,142		—		10,645
Subtotal		38,660		61,586		—		56,629
Impaired loans with a related allowance
Commercial
	C&I	3,089		4,943		577		4,231
	CRE	4,343		4,927		913		3,834
	Construction	721		721		105		730
Consumer
	Installment	28,343		28,706		1,526		29,583
	Home equity line	5,639		5,639		34		5,924
	Credit card	1,145		1,145		127		1,311
	Residential mortgages	14,431		14,520		1,722		14,537
Subtotal		57,711		60,601		5,004		60,150
	Total impaired loans	$	96,371	$	122,187	$	5,004	$	116,779

(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
				Unpaid				Average
		Recorded		Principal		Related		Recorded
		Investment		Balance		Allowance		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		5,746		—		4,450
Subtotal		48,331		75,286		—		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		33,723		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		13,167		1,364		13,155
Subtotal		63,279		65,277		7,080		60,318
	Total impaired loans	$	111,610	$	140,563	$	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.

Summary of loans modified as TDRs

The following tables provide the number of loans modified in a TDR and the recorded investment and unpaid principal balance by loan portfolio as of December 31, 2012 and 2011.



			As of December 31, 2012
			Number of Loans	Recorded Investment		Unpaid Principal Balance
Noncovered loans
	Commercial
		C&I	24	$	2,617	$	8,044
		CRE	40	16,305		20,701
		Construction	28	2,955		3,419
		Total noncovered commercial	92	21,877		32,164
	Consumer
		Installment	1,769	30,870		32,653
		Home equity lines	226	6,281		6,488
		Credit card	389	1,612		1,612
		Residential mortgages	298	24,009		26,662
		Total noncovered consumer	2,682	62,772		67,415
Total noncovered loans			2,774	84,649		99,579
Covered loans
	Commercial
		C&I	3	1,763		1,998
		CRE	20	50,272		57,483
		Construction	10	8,171		37,547
		Total covered commercial	33	60,206		97,028
	Consumer
		Home equity lines	35	5,632		5,666
Total covered loans			68	$	65,838	$	102,694
Total loans			2,842	$	150,487	$	202,273

(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
		Total noncovered commercial	64	15,002		20,980
	Consumer
		Installment	1,547	33,571		33,723
		Home equity lines	174	4,763		4,763
		Credit card	496	2,202		2,202
		Residential mortgages	177	17,398		18,913
		Total noncovered consumer	2,394	57,934		59,601
Total noncovered loans			2,458	72,936		80,581
Covered loans
	Commercial
		C&I	15	7,578		10,812
		CRE	21	57,786		62,159
		Construction	8	12,056		32,035
		Total covered commercial	44	77,420		105,006
Total loans			2,502	$	150,356	$	185,587

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

Accruing and Nonaccruing Troubled Debt Restructurings [Table Text Block]



As of December 31, 2012
	Accruing TDRs						Nonaccruing TDRs						Total		Total
	Current		Delinquent		Total		Current		Delinquent		Total		TDRs		Allowance
Noncovered loans
Commercial
C&I	$	704	$	1,004	$	1,708	$	844	$	65	$	909	$	2,617	$	217
CRE	12,719		793		13,512		461		2,332		2,793		16,305		869
Construction	1,860		960		2,820		135		—		135		2,955		105
Total noncovered commercial	15,283		2,757		18,040		1,440		2,397		3,837		21,877		1,191
Consumer
Installment	27,085		1,547		28,632		2,064		174		2,238		30,870		1,526
Home equity lines	5,183		236		5,419		636		226		862		6,281		34
Credit card	1,483		118		1,601		—		11		11		1,612		127
Residential mortgages	12,510		3,413		15,923		5,196		2,890		8,086		24,009		1,722
Total noncovered consumer	46,261		5,314		51,575		7,896		3,301		11,197		62,772		3,409
Total noncovered TDRs	61,544		8,071		69,615		9,336		5,698		15,034		84,649		4,600
Covered loans
C&I	435		1,328		1,763		—		—		—		1,763		518
CRE	7,658		42,614		50,272		—		—		—		50,272		4,959
Construction	2,361		5,810		8,171		—		—		—		8,171		1,220
Total covered commercial	10,454		49,752		60,206		—		—		—		60,206		6,697
Home equity lines	5,632		—		5,632		—		—		—		5,632		—
Total covered TDRs	$	16,086	$	49,752	$	65,838	$	—	$	—	$	—	$	65,838	$	6,697
Total TDRs	$	77,630	$	57,823	$	135,453	$	9,336	$	5,698	$	15,034	$	150,487	$	11,297



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	31,637		1,800		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	13,736		688		14,424		1,622		1,352		2,974		17,398		1,364
Total noncovered consumer	51,672		2,820		54,492		1,698		1,744		3,442		57,934		2,885
Total noncovered TDRs	57,850		3,333		61,183		5,592		6,161		11,753		72,936		3,467
Covered loans
C&I	1,587		5,991		7,578		—		—		—		7,578		1,384
CRE	35,083		22,703		57,786		—		—		—		57,786		6,567
Construction	5,838		6,218		12,056		—		—		—		12,056		696
Total covered TDRs	42,508		34,912		77,420		—		—		—		77,420		8,647
Total TDRs	$	100,358	$	38,245	$	138,603	$	5,592	$	6,161	$	11,753	$	150,356	$	12,114

Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]

The following table provides the number of loans modified in a TDR during the previous 12 months which subsequently defaulted during the quarter ended December 31, 2012, as well as the recorded investment in these restructured loans as of December 31, 2012.



	As of December 31, 2012
	Number of Loans	Recorded Investment
Noncovered loans
Commercial
C&I	—	$	—
CRE	—	—
Construction	—	—
Total noncovered commercial	—	—
Consumer
Installment	132	2,020
Home equity lines	15	1,525
Credit card	10	52
Residential mortgages	—	—
Total noncovered consumer	157	3,597
Covered loans
Commercial
C&I	—	—
CRE	—	—
Construction	—	—
Total covered commercial	—	—
Total	157	$	3,597