XML 84 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
Allowance for Loan Losses (Tables)
9 Months Ended
Sep. 30, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent
The following tables show activity in the originated ALLL, by portfolio segment for the three and nine months ended September 30, 2013 and 2012, as well as the corresponding recorded investment in originated loans at the end of the period:
As of September 30, 2013
Originated Loans
C&I
 
CRE
 
Construction
 
Leases
 
Installment
 
Home Equity Lines
 
Credit Cards
 
Residential Mortgages
 
Total
Three Months Ended
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for originated loan losses, beginning balance
$
45,167

 
$
16,823

 
$
2,044

 
$
909

 
$
8,725

 
$
13,266

 
$
7,288

 
$
4,423

 
$
98,645

Charge-offs
(1,011
)
 
(211
)
 

 

 
(3,582
)
 
(1,843
)
 
(1,367
)
 
(501
)
 
(8,515
)
Recoveries
1,162

 
168

 
394

 
11

 
2,624

 
802

 
438

 
39

 
5,638

Provision for loan losses
(2,140
)
 
(1,632
)
 
267

 
99

 
2,710

 
662

 
1,147

 
1,410

 
2,523

Allowance for originated loan losses, ending balance
$
43,178

 
$
15,148

 
$
2,705

 
$
1,019

 
$
10,477

 
$
12,887

 
$
7,506

 
$
5,371

 
$
98,291

Nine Months Ended
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for originated loan losses, beginning balance
$
36,209

 
$
20,126

 
$
3,821

 
$
639

 
$
11,154

 
$
13,724

 
$
7,384

 
$
5,885

 
$
98,942

Charge-offs
(5,114
)
 
(1,014
)
 
(516
)
 
(1,237
)
 
(11,788
)
 
(5,177
)
 
(4,229
)
 
(1,185
)
 
(30,260
)
Recoveries
5,745

 
503

 
483

 
100

 
7,859

 
1,884

 
1,420

 
133

 
18,127

Provision for loan losses
6,338

 
(4,467
)
 
(1,083
)
 
1,517

 
3,252

 
2,456

 
2,931

 
538

 
11,482

Allowance for originated loan losses, ending balance
$
43,178

 
$
15,148

 
$
2,705

 
$
1,019

 
$
10,477

 
$
12,887

 
$
7,506

 
$
5,371

 
$
98,291

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance for originated loan losses balance attributable to loans:
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
1,336

 
$
488

 
$

 
$

 
$
552

 
$
197

 
$
261

 
$
1,302

 
$
4,136

 
Collectively evaluated for impairment
41,842

 
14,660

 
2,705

 
1,019

 
9,925

 
12,690

 
7,245

 
4,069

 
94,155

Total ending allowance for originated loan losses balance
$
43,178

 
$
15,148

 
$
2,705

 
$
1,019

 
$
10,477

 
$
12,887

 
$
7,506

 
$
5,371

 
$
98,291

Originated loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Originated loans individually evaluated for impairment
$
7,476

 
$
19,755

 
$
958

 
$

 
$
30,608

 
$
6,787

 
$
1,253

 
$
23,064

 
$
89,901

 
Originated loans collectively evaluated for impairment
3,856,619

 
2,207,657

 
327,904

 
199,907

 
1,616,487

 
882,585

 
143,860

 
464,219

 
9,699,238

Total ending originated loan balance
$
3,864,095

 
$
2,227,412

 
$
328,862

 
$
199,907

 
$
1,647,095

 
$
889,372

 
$
145,113

 
$
487,283

 
$
9,789,139

 




As of September 30, 2012
Originated Loans
C&I
 
CRE
 
Construction
 
Leases
 
Installment
 
Home Equity Lines
 
Credit Cards
 
Residential Mortgages
 
Total
Three Months Ended
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for originated loan losses, beginning balance
$
40,327

 
$
27,186

 
$
5,147

 
$
358

 
$
13,029

 
$
5,449

 
$
6,690

 
$
5,663

 
$
103,849

Charge-offs
(8,773
)
 
(727
)
 
(127
)
 

 
(5,507
)
 
(2,784
)
 
(1,390
)
 
(1,691
)
 
(20,999
)
Recoveries
1,408

 
180

 
61

 

 
2,883

 
1,007

 
488

 
100

 
6,127

Provision for loan losses
6,197

 
(1,461
)
 
(277
)
 
148

 
1,430

 
1,213

 
1,447

 
1,268

 
9,965

Allowance for originated loan losses, ending balance
$
39,159

 
$
25,178

 
$
4,804

 
$
506

 
$
11,835

 
$
4,885

 
$
7,235

 
$
5,340

 
$
98,942

Nine Months Ended
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for originated loan losses, beginning balance
$
32,363

 
$
31,857

 
$
5,173

 
$
341

 
$
17,981

 
$
6,766

 
$
7,369

 
$
5,849

 
$
107,699

Charge-offs
(19,906
)
 
(3,496
)
 
(165
)
 

 
(14,441
)
 
(7,373
)
 
(4,618
)
 
(3,431
)
 
(53,430
)
Recoveries
3,120

 
825

 
364

 
38

 
9,104

 
2,588

 
1,583

 
191

 
17,813

Provision for loan losses
23,582

 
(4,008
)
 
(568
)
 
127

 
(809
)
 
2,904

 
2,901

 
2,731

 
26,860

Allowance for originated loan losses, ending balance
$
39,159

 
$
25,178

 
$
4,804

 
$
506

 
$
11,835

 
$
4,885

 
$
7,235

 
$
5,340

 
$
98,942

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance for originated loan losses balance attributable to loans:
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
2,900

 
$
1,953

 
$
117

 
$

 
$
1,674

 
$
95

 
$
106

 
$
1,599

 
$
8,444

 
Collectively evaluated for impairment
36,259

 
23,225

 
4,687

 
506

 
10,161

 
4,790

 
7,129

 
3,741

 
90,498

Total ending allowance for originated loan losses balance
$
39,159

 
$
25,178

 
$
4,804

 
$
506

 
$
11,835

 
$
4,885

 
$
7,235

 
$
5,340

 
$
98,942

Originated loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Originated loans individually evaluated for impairment
$
9,994

 
$
28,972

 
$
3,577

 
$

 
$
32,577

 
$
6,922

 
$
1,767

 
$
24,569

 
$
108,378

 
Originated loans collectively evaluated for impairment
3,039,235

 
2,124,370

 
305,528

 
110,938

 
1,288,505

 
782,820

 
142,152

 
414,494

 
8,208,042

Total ending originated loan balance
$
3,049,229

 
$
2,153,342

 
$
309,105

 
$
110,938

 
$
1,321,082

 
$
789,742

 
$
143,919

 
$
439,063

 
$
8,316,420



The following table presents the originated allowance for loan loss and the recorded investment as of December 31, 2012:

As of December 31, 2012
 
Originated Loans
C&I
 
CRE
 
Construction
 
Leases
 
Installment
 
Home Equity Lines
 
Credit Cards
 
Residential Mortgages
 
Total
Ending allowance for originated 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 originated loan losses balance
$
36,209

 
$
20,126

 
$
3,821

 
$
639

 
$
11,154

 
$
13,724

 
$
7,384

 
$
5,885

 
$
98,942

Originated 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 originated loan balance
$
3,306,526

 
$
2,224,416

 
$
335,547

 
$
139,236

 
$
1,328,258

 
$
806,078

 
$
146,387

 
$
445,211

 
$
8,731,659



Schedule of Credit Losses for Financing Receivables, Current
The following table presents activity in the covered allowance for loan loss for the three and nine months ended September 30, 2013 and 2012:
 
 
Three Months Ended September 30,
 
Nine Months Ended September 30,
Covered Allowance for Loan Losses
2013
 
2012
 
2013
 
2012
Balance at beginning of the period
$
49,069

 
$
42,606

 
$
43,255

 
$
36,417

 
Provision for loan losses before benefit attributable to FDIC loss share agreements
2,855

 
7,698

 
19,009

 
28,177

 
Benefit attributable to FDIC loss share agreements
(1,032
)
 
(1,484
)
 
(8,890
)
 
(12,601
)
Net provision for loan losses
1,823

 
6,214

 
10,119

 
15,576

Increase in indemnification asset
1,032

 
1,484

 
8,890

 
12,601

Loans charged-off
(6,380
)
 
(6,660
)
 
(16,720
)
 
(20,950
)
Balance at end of the period
$
45,544

 
$
43,644

 
$
45,544

 
$
43,644

Impaired Financing Receivables
Loan impairment for loans is measured based on either the present value of expected future cash flows discounted at the loan's effective interest rate, at the observable market price of the loan, or the fair value of the collateral for certain collateral dependent loans. Impaired loans include all nonaccrual commercial, agricultural, construction, and commercial real estate loans, and loans modified as a TDR.

As of September 30, 2013
Originated Loans
 
 
Unpaid
 
 
 
Average
 
 
Recorded
 
Principal
 
Related
 
Recorded
 
Investment
 
Balance
 
Allowance
 
Investment
Impaired loans with no related allowance
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
$
3,826

 
$
7,887

 
$

 
$
11,842

 
CRE
15,836

 
21,921

 

 
18,884

 
Construction
958

 
1,237

 

 
1,851

Consumer
 
 
 
 
 
 
 
 
Installment
3,051

 
4,344

 

 
3,521

 
Home equity line
1,046

 
1,386

 

 
1,107

 
Credit card
48

 
48

 

 
74

 
Residential mortgages
10,363

 
12,899

 

 
10,122

Subtotal
35,128

 
49,722

 

 
47,401

Impaired loans with a related allowance
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
3,650

 
5,526

 
1,336

 
3,829

 
CRE
3,920

 
4,251

 
488

 
4,126

 
Construction

 

 

 

Consumer
 
 
 
 
 
 
 
 
Installment
25,528

 
25,616

 
552

 
26,172

 
Home equity line
5,869

 
5,869

 
197

 
6,017

 
Credit card
1,205

 
1,205

 
261

 
1,352

 
Residential mortgages
12,702

 
12,784

 
1,302

 
11,866

Subtotal
52,874

 
55,251

 
4,136

 
53,362

 
Total impaired loans
$
88,002

 
$
104,973

 
$
4,136

 
$
100,763

Note 1: These tables exclude loans fully charged off.
Note 2: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.



As of December 31, 2012
Originated Loans
 
 
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

Note 1: These tables exclude loans fully charged off.
Note 2: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.

As of September 30, 2012
Originated Loans
 
 
Unpaid
 
 
 
Average
 
 
Recorded
 
Principal
 
Related
 
Recorded
 
Investment
 
Balance
 
Allowance
 
Investment
Impaired loans with no related allowance
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
$
1,443

 
$
10,154

 
$

 
$
9,903

 
CRE
16,910

 
22,337

 

 
19,217

 
Construction
3,370

 
3,944

 

 
4,080

Consumer
 
 
 
 
 
 
 
 
Installment
2,902

 
4,739

 

 
4,888

 
Home equity line
959

 
1,239

 

 
1,237

 
Credit card
4

 
4

 

 
4

 
Residential mortgages
10,693

 
12,838

 

 
11,542

Subtotal
36,281

 
55,255

 

 
50,871

Impaired loans with a related allowance
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
8,551

 
12,555

 
2,900

 
10,163

 
CRE
11,543

 
14,113

 
1,953

 
10,559

 
Construction
726

 
726

 
117

 
733

Consumer
 
 
 
 
 
 
 
 
Installment
29,675

 
29,675

 
1,674

 
30,361

 
Home equity line
5,963

 
5,963

 
95

 
6,206

 
Credit card
1,763

 
1,763

 
106

 
1,975

 
Residential mortgages
13,876

 
13,967

 
1,599

 
13,946

Subtotal
72,097

 
78,762

 
8,444

 
73,943

 
Total impaired loans
$
108,378

 
$
134,017

 
$
8,444

 
$
124,814


Note 1: These tables exclude loans fully charged off.
Note 2: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.
Troubled Debt Restructurings on Financing ReceivableS
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 September 30, 2013, December 31, 2012 and September 30, 2012.
 
 
 
 
As of September 30, 2013
 
 
 
 
Number of Loans
 
Recorded Investment
 
Unpaid Principal Balance
Originated loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
35

 
$
5,455

 
$
9,533

 
 
CRE
 
49

 
15,508

 
19,848

 
 
Construction
 
31

 
958

 
1,237

 
 
Total originated commercial
 
115

 
21,921

 
30,618

 
Consumer
 
 
 
 
 
 
 
 
Installment
 
1,655

 
28,578

 
29,960

 
 
Home equity lines
 
240

 
6,916

 
7,255

 
 
Credit card
 
339

 
1,253

 
1,253

 
 
Residential mortgages
 
292

 
23,065

 
25,683

 
 
Total originated consumer
 
2,526

 
59,812

 
64,151

    Total originated loans
 
2,641

 
$
81,733

 
$
94,769

Acquired Loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
1

 
6

 
6

 
 
Total acquired commercial
 
1

 
6

 
6

 
Consumer
 
 
 
 
 
 
 
 
Home equity lines
 
3

 
260

 
307

 
 
Total acquired consumer
 
3

 
260

 
307

    Total acquired loans
 
4

 
266

 
313

Covered loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
4

 
$
1,537

 
$
2,377

 
 
CRE
 
24

 
43,024

 
58,252

 
 
Construction
 
10

 
4,040

 
23,796

 
 
Total covered commercial
 
38

 
48,601

 
84,425

 
Consumer
 
 
 
 
 
 
 
 
Home equity lines
 
48

 
5,753

 
5,777

 
 
Residential mortgages
 
1

 
$
152

 
$
151

 
 
Total covered consumer
 
49

 
5,905

 
5,928

   Total covered loans
 
87

 
$
54,506

 
$
90,353

Total loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
40

 
$
6,998

 
$
11,916

 
 
CRE
 
73

 
58,532

 
78,100

 
 
Construction
 
41

 
4,998

 
25,033

 
 
Total commercial
 
154

 
70,528

 
115,049

 
Consumer
 
 
 
 
 
 
 
 
Installment
 
1,655

 
28,578

 
29,960

 
 
Home equity lines
 
291

 
12,929

 
13,339

 
 
Credit card
 
339

 
1,253

 
1,253

 
 
Residential mortgages
 
293

 
23,217

 
25,834

 
 
Total consumer
 
2,578

 
65,977

 
70,386

   Total loans
 
2,732

 
$
136,505

 
$
185,435

Note 1: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.

 
 
 
 
As of December 31, 2012
 
 
 
 
Number of Loans
 
Recorded Investment
 
Unpaid Principal Balance
Originated loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
24

 
$
2,617

 
$
8,044

 
 
CRE
 
40

 
16,305

 
20,701

 
 
Construction
 
28

 
2,955

 
3,419

 
 
Total originated 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 originated consumer
 
2,682

 
62,772

 
67,415

   Total originated 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
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
27

 
$
4,380

 
$
10,042

 
 
CRE
 
60

 
66,577

 
78,184

 
 
Construction
 
38

 
11,126

 
40,966

 
 
Total commercial
 
125

 
82,083

 
129,192

 
Consumer
 
 
 
 
 
 
 
 
Installment
 
1,769

 
30,870

 
32,653

 
 
Home equity lines
 
261

 
11,913

 
12,154

 
 
Credit card
 
389

 
1,612

 
1,612

 
 
Residential mortgages
 
298

 
24,009

 
26,662

 
 
Total consumer
 
2,717

 
68,404

 
73,081

   Total loans
 
2,842

 
$
150,487

 
$
202,273

Note 1: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.

 
 
 
 
As of September 30, 2012
 
 
 
 
Number of Loans
 
Recorded Investment
 
Unpaid Principal Balance
Originated loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
22

 
$
2,413

 
$
8,478

 
 
CRE
 
36

 
17,763

 
21,307

 
 
Construction
 
27

 
3,577

 
4,025

 
 
Total originated commercial
 
85

 
23,753

 
33,810

 
Consumer
 
 
 
 
 
 
 
 
Installment
 
1,840

 
32,577

 
34,414

 
 
Home equity lines
 
229

 
6,922

 
7,202

 
 
Credit card
 
426

 
1,767

 
1,767

 
 
Residential mortgages
 
308

 
24,569

 
26,805

 
 
Total originated consumer
 
2,803

 
65,835

 
70,188

   Total originated loans
 
2,888

 
$
89,588

 
$
103,998

Covered loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
11

 
$
5,278

 
$
6,216

 
 
CRE
 
25

 
52,079

 
57,681

 
 
Construction
 
10

 
14,640

 
42,567

 
 
Total covered commercial
 
46

 
71,997

 
106,464

 
Consumer
 
 
 
 
 
 
 
 
Home equity lines
 
30

 
4,742

 
4,774

   Total covered loans
 
76

 
$
76,739

 
$
111,238

Total loans
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
C&I
 
33

 
$
7,691

 
$
14,694

 
 
CRE
 
61

 
69,843

 
78,988

 
 
Construction
 
37

 
18,216

 
46,592

 
 
Total commercial
 
131

 
95,750

 
140,274

 
Consumer
 
 
 
 
 
 
 
 
Installment
 
1,840

 
32,577

 
34,414

 
 
Home equity lines
 
259

 
11,664

 
11,976

 
 
Credit card
 
426

 
1,767

 
1,767

 
 
Residential mortgages
 
308

 
24,569

 
26,805

 
 
Total consumer
 
2,833

 
70,577

 
74,962

   Total loans
 
2,964

 
$
166,327

 
$
215,236

Note 1: The differences between the recorded investment and unpaid principal balance amounts represents partial charge offs.
Accruing and Nonaccruing Troubled Debt Restructurings
The following tables provide a summary of the delinquency status of TDRs along with the specific allowance for loan loss, by loan type, as of September 30, 2013, December 31, 2012 and September 30, 2012, including TDRs that continue to accrue interest and TDRs included in nonperforming assets.
As of September 30, 2013
 
Accruing TDRs
 
Nonaccruing TDRs
 
Total
 
Total
 
Current
 
Delinquent
 
Total
 
Current
 
Delinquent
 
Total
 
TDRs
 
Allowance
Originated loans
 
 
 
 

 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 

 
 
 
 
 

 

 
 
C&I
$
3,249

 
$
180

 
$
3,429

 
$
395

 
$
1,631

 
$
2,026

 
$
5,455

 
$
736

CRE
10,333

 
347

 
10,680

 
1,976

 
2,852

 
4,828

 
15,508

 
294

Construction
895

 

 
895

 
63

 

 
63

 
958

 

Total originated commercial
14,477

 
527

 
15,004

 
2,434

 
4,483

 
6,917

 
21,921

 
1,030

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Installment
24,194

 
1,261

 
25,455

 
2,803

 
320

 
3,123

 
28,578

 
552

Home equity lines
5,544

 
112

 
5,656

 
1,260

 

 
1,260

 
6,916

 
197

Credit card
1,134

 
117

 
1,251

 

 
2

 
2

 
1,253

 
261

Residential mortgages
12,566

 
3,094

 
15,660

 
4,046

 
3,359

 
7,405

 
23,065

 
1,302

Total originated consumer
43,438

 
4,584

 
48,022

 
8,109

 
3,681

 
11,790

 
59,812

 
2,312

         Total originated TDRs
$
57,915

 
$
5,111

 
$
63,026

 
$
10,543

 
$
8,164

 
$
18,707

 
$
81,733

 
$
3,342

Acquired loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I

 

 

 

 
6

 
6

 
6

 

Total acquired commercial

 

 

 

 
6

 
6

 
6

 

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
196

 

 
196

 

 
64

 
64

 
260

 

Total acquired consumer
196

 

 
196

 

 
64

 
64

 
260

 

    Total acquired TDRs
$
196

 
$

 
$
196

 
$

 
$
70

 
$
70

 
$
266

 
$

Covered loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
795

 
$
742

 
$
1,537

 
$

 
$

 
$

 
$
1,537

 
$
446

CRE
5,479

 
37,545

 
43,024

 

 

 

 
43,024

 
2,832

Construction
925

 
3,115

 
4,040

 

 

 

 
4,040

 
1,001

Total covered commercial
7,199

 
41,402

 
48,601

 

 

 

 
48,601

 
4,279

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
5,256

 
497

 
5,753

 

 

 

 
5,753

 

Residential mortgages
152

 

 
152

 

 

 

 
152

 

Total covered consumer
5,408

 
497

 
5,905

 

 

 

 
5,905

 

    Total covered TDRs
$
12,607

 
$
41,899

 
$
54,506

 
$

 
$

 
$

 
$
54,506

 
$
4,279

Total loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
4,044

 
$
922

 
$
4,966

 
$
395

 
$
1,637

 
$
2,032

 
$
6,998

 
$
1,182

CRE
15,812

 
37,892

 
53,704

 
1,976

 
2,852

 
4,828

 
58,532

 
3,126

Construction
1,820

 
3,115

 
4,935

 
63

 

 
63

 
4,998

 
1,001

Total commercial
21,676

 
41,929

 
63,605

 
2,434

 
4,489

 
6,923

 
70,528

 
5,309

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Installment
24,194

 
1,261

 
25,455

 
2,803

 
320

 
3,123

 
28,578

 
552

Home equity lines
10,996

 
609

 
11,605

 
1,260

 
64

 
1,324

 
12,929

 
197

Credit card
1,134

 
117

 
1,251

 

 
2

 
2

 
1,253

 
261

Residential mortgages
12,718

 
3,094

 
15,812

 
4,046

 
3,359

 
7,405

 
23,217

 
1,302

Total consumer
49,042

 
5,081

 
54,123

 
8,109

 
3,745

 
11,854

 
65,977

 
2,312

Total TDRs
$
70,718

 
$
47,010

 
$
117,728

 
$
10,543

 
$
8,234

 
$
18,777

 
$
136,505

 
$
7,621



As of December 31, 2012
 
Accruing TDRs
 
Nonaccruing TDRs
 
Total
 
Total
 
Current
 
Delinquent
 
Total
 
Current
 
Delinquent
 
Total
 
TDRs
 
Allowance
Originated 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 originated 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 originated consumer
46,261

 
5,314

 
51,575

 
7,896

 
3,301

 
11,197

 
62,772

 
3,409

         Total originated TDRs
$
61,544

 
$
8,071

 
$
69,615

 
$
9,336

 
$
5,698

 
$
15,034

 
$
84,649

 
$
4,600

Covered loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
5,632

 

 
5,632

 

 

 

 
5,632

 

    Total covered TDRs
$
16,086

 
$
49,752

 
$
65,838

 
$

 
$

 
$

 
$
65,838

 
$
6,697

Total loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
1,139

 
$
2,332

 
$
3,471

 
$
844

 
$
65

 
$
909

 
$
4,380

 
$
735

CRE
20,377

 
43,407

 
63,784

 
461

 
2,332

 
2,793

 
66,577

 
5,828

Construction
4,221

 
6,770

 
10,991

 
135

 

 
135

 
11,126

 
1,325

Total commercial
25,737

 
52,509

 
78,246

 
1,440

 
2,397

 
3,837

 
82,083

 
7,888

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Installment
27,085

 
1,547

 
28,632

 
2,064

 
174

 
2,238

 
30,870

 
1,526

Home equity lines
10,815

 
236

 
11,051

 
636

 
226

 
862

 
11,913

 
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 consumer
51,893

 
5,314

 
57,207

 
7,896

 
3,301

 
11,197

 
68,404

 
3,409

Total TDRs
$
77,630

 
$
57,823

 
$
135,453

 
$
9,336

 
$
5,698

 
$
15,034

 
$
150,487

 
$
11,297


As of September 30, 2012
 
Accruing TDRs
 
Nonaccruing TDRs
 
Total
 
Total
 
Current
 
Delinquent
 
Total
 
Current
 
Delinquent
 
Total
 
TDRs
 
Allowance
Originated loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
955

 
$

 
$
955

 
$
865

 
$
593

 
$
1,458

 
$
2,413

 
$
126

CRE
11,609

 
2,464

 
14,073

 
473

 
3,217

 
3,690

 
17,763

 
401

Construction
3,507

 

 
3,507

 
70

 

 
70

 
3,577

 
117

Total originated commercial
16,071

 
2,464

 
18,535

 
1,408

 
3,810

 
5,218

 
23,753

 
644

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Installment
28,604

 
1,071

 
29,675

 
2,882

 
20

 
2,902

 
32,577

 
1,674

Home equity lines
5,394

 
171

 
5,565

 
1,131

 
226

 
1,357

 
6,922

 
95

Credit card
1,655

 
109

 
1,764

 

 
3

 
3

 
1,767

 
106

Residential mortgages
11,386

 
3,339

 
14,725

 
6,611

 
3,233

 
9,844

 
24,569

 
1,599

Total originated consumer
47,039

 
4,690

 
51,729

 
10,624

 
3,482

 
14,106

 
65,835

 
3,474

          Total originated TDRs
$
63,110

 
$
7,154

 
$
70,264

 
$
12,032

 
$
7,292

 
$
19,324

 
$
89,588

 
$
4,118

Covered loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
1,000

 
$
4,278

 
$
5,278

 
$

 
$

 
$

 
$
5,278

 
$
1,527

CRE
17,298

 
34,782

 
52,080

 

 

 

 
52,080

 
8,088

Construction
6,324

 
8,315

 
14,639

 

 

 

 
14,639

 
1,632

Total covered commercial
24,622

 
47,375

 
71,997

 

 

 

 
71,997

 
11,247

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity lines
4,698

 
44

 
4,742

 

 

 

 
4,742

 

Total covered TDRs
$
29,320

 
$
47,419

 
$
76,739

 
$

 
$

 
$

 
$
76,739

 
$
11,247

Total loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
C&I
$
1,955

 
$
4,278

 
$
6,233

 
$
865

 
$
593

 
$
1,458

 
$
7,691

 
$
1,653

CRE
28,907

 
37,246

 
66,153

 
473

 
3,217

 
3,690

 
69,843

 
8,489

Construction
9,831

 
8,315

 
18,146

 
70

 

 
70

 
18,216

 
1,749

Total commercial
40,693

 
49,839

 
90,532

 
1,408

 
3,810

 
5,218

 
95,750

 
11,891

Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Installment
28,604

 
1,071

 
29,675

 
2,882

 
20

 
2,902

 
32,577

 
1,674

Home equity lines
10,092

 
215

 
10,307

 
1,131

 
226

 
1,357

 
11,664

 
95

Credit card
1,655

 
109

 
1,764

 

 
3

 
3

 
1,767

 
106

Residential mortgages
11,386

 
3,339

 
14,725

 
6,611

 
3,233

 
9,844

 
24,569

 
1,599

Total consumer
51,737

 
4,734

 
56,471

 
10,624

 
3,482

 
14,106

 
70,577

 
3,474

Total TDRs
$
92,430

 
$
54,573

 
$
147,003

 
$
12,032

 
$
7,292

 
$
19,324

 
$
166,327

 
$
15,365


Schedule of Debtor Troubled Debt Restructuring, Current Period
The following table provides the number of loans modified in a TDR during the previous 12 months that subsequently defaulted during the three months ended September 30, 2013, as well as the recorded investment in these restructured loans as of September 30, 2013.
 
As of September 30, 2013
 
Number of Loans
 
Recorded Investment
Originated loans
 
 
 
Commercial
 
 
 
C&I
2

 
$
1,802

CRE
4

 
2,668

Construction

 

Total originated commercial
6

 
4,470

Consumer
 
 
 
Installment
127

 
1,964

Home equity lines
10

 
204

Credit card
7

 
43

Residential mortgages

 

Total originated consumer
144

 
$
2,211

Covered loans
 
 
 
Commercial
 
 
 
C&I

 
$

CRE

 

Construction

 

Total covered commercial

 
$

Total loans
 
 
 
Commercial
 
 
 
C&I
2

 
$
1,802

CRE
4

 
2,668

Construction

 

Total commercial
6

 
4,470

Consumer
 
 
 
Installment
127

 
1,964

Home equity lines
10

 
204

Credit card
7

 
43

Residential mortgages

 

Total consumer
144

 
2,211

Total
150

 
$
6,681