Loans (Tables)

6 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Schedule Of Loans By Portfolio Segment

The following table provides the balance (amortized cost basis) of loans, net of unearned income, by portfolio segment as of June 30, 2020 and December 31, 2019:

	June 30		December 31
(Dollars in thousands)	2020		2019
Commercial:
Commercial, financial, and industrial	$	21,393,893	$	20,051,091
Commercial real estate	4,813,341		4,337,017
Consumer:
Consumer real estate (a)	6,052,393		6,177,139
Credit card & other	449,310		495,864
Loans, net of unearned income	$	32,708,937	$	31,061,111
Allowance for loan losses	537,881		200,307
Total net loans	$	32,171,056	$	30,860,804

(a)

In first quarter 2020, the Permanent Mortgage portfolio was combined into Consumer Real Estate portfolio; all prior periods were revised for comparability.

Financing Receivable Credit Quality Indicators

The following tables provide the amortized cost basis of the commercial loan portfolio by year of origination and credit quality indicator as of June 30, 2020:

	C&I
(Dollars in thousands)	2020		2019		2018		2017		2016		prior to 2016 (a)		LMC (b)		Revolving Loans		Revolving Loans converted to term loans (c)		Total
PD Grade:
1 (d)	$	2,078,712	$	99,978	$	121,167	$	75,521	$	106,700	$	108,574	$	—	$	83,309	$	56	$	2,674,017
2	56,810		223,191		100,816		79,318		168,838		90,484		—		95,035		126		814,618
3	42,983		153,671		49,176		89,945		30,381		97,338		741,382		125,470		3,490		1,333,836
4	261,626		335,130		145,047		122,185		129,859		142,129		685,876		259,379		10,653		2,091,884
5	304,710		496,565		220,632		145,650		96,325		163,676		700,944		384,874		12,654		2,526,030
6	360,649		714,704		246,607		195,634		53,597		155,755		1,198,775		667,570		558		3,593,849
7	309,088		723,728		339,953		145,385		100,069		171,016		552,192		598,772		48,291		2,988,494
8	343,391		593,106		194,030		175,289		36,044		96,204		93,900		379,261		7,110		1,918,335
9	171,524		293,768		89,519		66,927		65,539		75,753		25,198		283,883		10,670		1,082,781
10	96,735		171,901		85,644		60,721		50,429		54,729		15,325		227,301		5,082		767,867
11	53,872		82,677		74,977		58,964		70,190		38,059		—		148,656		3,233		530,628
12	51,861		33,083		52,013		47,162		20,214		29,674		6,999		95,943		477		337,426
13	39,047		57,585		10,231		15,916		51,816		45,984		—		114,971		498		336,048
14,15,16	10,898		23,808		39,008		29,306		40,627		13,194		—		98,165		2,548		257,554
Collectively evaluated for impairment	4,181,906		4,002,895		1,768,820		1,307,923		1,020,628		1,282,569		4,020,591		3,562,589		105,446		21,253,367
Individually evaluated for impairment	21,146		6,613		12,454		21,995		1,909		22,114		—		50,319		3,976		140,526
Total C&I loans	$	4,203,052	$	4,009,508	$	1,781,274	$	1,329,918	$	1,022,537	$	1,304,683	$	4,020,591	$	3,612,908	$	109,422	$	21,393,893

(a) TRUPS loans were originated prior to 2016. Total balance of TRUPS as of June 30, 2020 is $209.2 million, with $3.3 million in PD 3, $60.9 million in PD 4, $47.9 million in PD 5, $38.6 million in PD 6, $13.4 million in PD 7, $20.7 million in PD 9, $18.6 million in PD 10, and $5.8 million in PD 13.

(b) LMC includes non-revolving commercial lines of credit to qualified mortgage companies primarily for the temporary warehousing of eligible mortgage loans prior to the borrower's sale of those mortgage loans to third party investors. The loans are of short duration with maturities less than one year.

(c) $22.7 million of C&I loans were converted from revolving to term in 2020.

(d) 2020 balance includes PPP loans.

	Income CRE
(Dollars in thousands)	2020		2019		2018		2017		2016		prior to 2016		Revolving Loans		Revolving Loans converted to term loans		Total
PD Grade:
1	$	21,886	$	—	$	392	$	106	$	158	$	1,190	$	—	$	—	$	23,732
2	7,798		30,919		405		216		617		3,145		—		—		43,100
3	97,338		212,413		75,483		34,863		42,468		25,511		78,004		181		566,261
4	90,915		292,657		100,058		130,549		94,836		45,975		839		238		756,067
5	320,904		279,229		138,520		152,573		112,018		45,048		37,306		6,224		1,091,822
6	264,892		215,714		125,075		107,697		33,716		119,742		37,800		7,930		912,566
7	164,896		293,784		121,601		64,796		20,076		24,648		40,187		1,224		731,212
8	23,028		93,700		55,579		11,850		28,382		50,403		6,845		128		269,915
9	35,357		36,942		25,157		22,936		2,219		19,126		280		—		142,017
10	23,623		8,323		7,323		2,803		9,125		17,320		—		—		68,517
11	6,936		21,414		6,890		7,347		3,862		19,638		—		1,330		67,417
12	2,962		14,437		2,383		905		652		13,476		64		228		35,107
13	525		455		771		16,185		—		570		328		—		18,834
14,15,16	515		10,808		45		19,065		128		3,882		7,553		—		41,996
Collectively evaluated for impairment	1,061,575		1,510,795		659,682		571,891		348,257		389,674		209,206		17,483		4,768,563
Individually evaluated for impairment	—		—		—		—		—		160		—		—		160
Total CRE-IP	$	1,061,575	$	1,510,795	$	659,682	$	571,891	$	348,257	$	389,834	$	209,206	$	17,483	$	4,768,723

	Residential CRE
(Dollars in thousands)	2020		2019		2018		2017		2016		prior to 2016		Revolving Loans		Revolving Loans converted to term loans		Total
PD Grade:
1	$	—	$	—	$	—	$	—	$	—	$	20	$	—	$	—	$	20
2	—		—		—		—		—		—		—		—		—
3	—		151		268		482		—		95		—		—		996
4	—		722		—		—		—		106		—		—		828
5	93		—		—		—		76		12		—		—		181
6	14,512		106		43		333		30		234		—		—		15,258
7	348		470		2,904		1,776		—		241		13		—		5,752
8	467		24		443		—		6		89		100		—		1,129
9	325		520		262		—		490		76		—		—		1,673
10	179		960		277		—		—		6		—		—		1,422
11	4,093		8,660		218		156		—		50		—		—		13,177
12	154		1,530		44		—		—		538		—		—		2,266
13	1,310		—		—		—		—		132		—		—		1,442
14,15,16	171		264		—		—		—		39		—		—		474
Collectively evaluated for impairment	21,652		13,407		4,459		2,747		602		1,638		113		—		44,618
Individually evaluated for impairment	—		—		—		—		—		—		—		—		—
Total CRE-RES	$	21,652	$	13,407	$	4,459	$	2,747	$	602	$	1,638	$	113	$	—	$	44,618

The following table provides the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of December 31, 2019.

	December 31, 2019
(Dollars in thousands)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percentage of Total		Allowance for Loan Losses
PD Grade:
1	$	696,040	$	—	$	—	$	1,848	$	—	$	697,888	3	%	$	69
2	767,048		—		—		48,906		38		815,992		4		165
3	743,123		877,210		3,314		474,067		806		2,098,520		9		274
4	1,237,772		692,971		46,375		680,223		477		2,657,818		11		738
5	1,986,761		670,402		72,512		993,628		1,700		3,725,003		15		8,265
6	2,511,290		1,410,387		27,263		717,062		17,027		4,683,029		19		12,054
7	2,708,707		509,616		18,378		641,345		30,925		3,908,971		16		20,409
8	1,743,364		136,771		—		269,407		16,699		2,166,241		9		22,514
9	1,101,873		77,139		31,909		169,586		13,007		1,393,514		6		17,484
10	563,635		21,229		18,536		59,592		2,153		665,145		3		10,197
11	495,140		—		—		81,682		2,302		579,124		2		13,454
12	262,906		15,158		—		28,807		1,074		307,945		1		8,471
13	232,823		—		—		32,966		1,126		266,915		1		8,142
14,15,16	263,076		—		—		43,400		626		307,102		1		29,318
Collectively evaluated for impairment	15,313,558		4,410,883		218,287		4,242,519		87,960		24,273,207		100		151,554
Individually evaluated for impairment	82,438		—		—		1,563		—		84,001		—		6,196
Purchased credit-impaired loans	25,925		—		—		4,155		820		30,900		—		848
Total commercial loans	$	15,421,921	$	4,410,883	$	218,287	$	4,248,237	$	88,780	$	24,388,108	100	%	$	158,598

(a) Balances presented net of a $19.1 million valuation allowance.

The following table reflects the amortized cost basis by year of origination and refreshed FICO scores for consumer real estate as of June 30, 2020. Within consumer real estate, classes include home equity line of credit ("HELOC") and real estate installment. HELOCs are loans which during their draw period are classified as revolving loans. Once the draw period ends and the loan enters its repayment period, the loan converts to a term loan and is classified as revolving loans converted to term loans. All loans classified in the following table as revolving loans or revolving loans converted to term loans are HELOCs. Real estate installment loans are originated as a fixed term loan and are classified below in their vintage year from prior to 2016 to 2020. All loans in the following table classified in a vintage year are real estate installment loans.

	Consumer Real Estate
(Dollars in thousands)	2020		2019		2018		2017		2016		Prior to 2016		Revolving Loans		Revolving Loans converted to term loans (a)		Total
FICO score 740 or greater	$	394,137	$	576,132	$	410,188	$	420,822	$	527,019	$	1,255,357	$	626,844	$	135,436	$	4,345,935
FICO score 720-739	43,808		67,904		26,383		37,259		48,677		132,407		76,045		28,913		461,396
FICO score 700-719	31,459		66,155		28,201		26,164		45,038		110,244		54,941		29,613		391,815
FICO score 660-699	41,314		51,096		33,382		32,745		36,625		153,335		76,593		44,067		469,157
FICO score 620-659	12,524		17,140		10,922		12,789		13,178		70,067		24,185		29,940		190,745
FICO score less than 620	2,180		11,168		5,832		9,227		14,456		79,599		25,526		45,357		193,345
Total	$	525,422	$	789,595	$	514,908	$	539,006	$	684,993	$	1,801,009	$	884,134	$	313,326	$	6,052,393

(a) $10.8 million of HELOC loans were converted from revolving to term in 2020.

The following table reflects the amortized cost basis by year of origination and refreshed FICO scores for other consumer loans as of June 30, 2020.

	Other Consumer
(Dollars in thousands)	2020		2019		2018		2017		2016		Prior to 2016		Revolving Loans		Revolving Loans converted to term loans (a)		Total
FICO score 740 or greater	$	16,160	$	36,450	$	21,476	$	10,499	$	3,988	$	14,774	$	173,832	$	4,401	$	281,580
FICO score 720-739	3,238		5,226		2,784		1,615		747		1,844		27,603		1,319		44,376
FICO score 700-719	2,168		4,246		2,542		1,521		706		1,980		19,983		1,052		34,198
FICO score 660-699	3,654		6,546		3,149		2,172		1,423		2,737		27,534		1,581		48,796
FICO score 620-659	1,269		2,386		1,576		891		836		1,813		10,759		963		20,493
FICO score less than 620	333		1,059		1,044		522		2,311		3,167		10,037		1,394		19,867
Total	$	26,822	$	55,913	$	32,571	$	17,220	$	10,011	$	26,315	$	269,748	$	10,710	$	449,310

(a) $3.9 million of other consumer loans were converted from revolving to term in 2020.

The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC and real estate installment classes of loans as of December 31, 2019.

	December 31, 2019
(Dollars in thousands)	HELOC		R/E Installment Loans (b)
FICO score 740 or greater	62.0	%	71.9	%
FICO score 720-739	8.6		8.3
FICO score 700-719	7.6		6.3
FICO score 660-699	10.8		8.1
FICO score 620-659	4.7		2.8
FICO score less than 620 (a)	6.3		2.6
Total	100.0	%	100.0	%

(a) For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned.

(b) In first quarter 2020, the Permanent Mortgage portfolio was combined into Consumer Real Estate portfolio, all prior periods were revised for comparability.

Accruing And Non-Accruing Loans By Class

The following table reflects accruing and non-accruing loans by class on June 30, 2020:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I (a)	$	17,031,822	$	4,671	$	287	$	17,036,780	$	79,022	$	254	$	48,069	$	127,345	$	17,164,125
Loans to mortgage companies	4,019,766		825		—		4,020,591		—		—		—		—		4,020,591
TRUPS (b)	209,177		—		—		209,177		—		—		—		—		209,177
Total commercial (C&I)	21,260,765		5,496		287		21,266,548		79,022		254		48,069		127,345		21,393,893
Commercial real estate:
Income CRE	4,766,561		95		—		4,766,656		797		—		1,270		2,067		4,768,723
Residential CRE	44,618		—		—		44,618		—		—		—		—		44,618
Total commercial real estate	4,811,179		95		—		4,811,274		797		—		1,270		2,067		4,813,341
Consumer real estate:
HELOC	1,136,288		5,736		6,800		1,148,824		41,608		1,720		5,308		48,636		1,197,460
R/E installment loans	4,787,467		13,778		6,000		4,807,245		31,786		2,077		13,825		47,688		4,854,933
Total consumer real estate	5,923,755		19,514		12,800		5,956,069		73,394		3,797		19,133		96,324		6,052,393
Credit card & other:
Credit card	164,527		1,520		1,297		167,344		—		—		—		—		167,344
Other	281,066		531		114		281,711		86		77		92		255		281,966
Total credit card & other	445,593		2,051		1,411		449,055		86		77		92		255		449,310
Total loans, net of unearned income	$	32,441,292	$	27,156	$	14,498	$	32,482,946	$	153,299	$	4,128	$	68,564	$	225,991	$	32,708,937

(a) $65.3 million of general C&I loans are nonaccrual loans with no related allowance.

(b) TRUPS is presented net of an amortizing discount of $18.4 million.

The following table reflects accruing and non-accruing loans by class on December 31, 2019:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I	$	15,314,292	$	7,155	$	237	$	15,321,684	$	36,564	$	14,385	$	23,363	$	74,312	$	15,395,996
Loans to mortgage companies	4,410,883		—		—		4,410,883		—		—		—		—		4,410,883
TRUPS (a)	218,287		—		—		218,287		—		—		—		—		218,287
Purchased credit-impaired loans	23,840		287		1,798		25,925		—		—		—		—		25,925
Total commercial (C&I)	19,967,302		7,442		2,035		19,976,779		36,564		14,385		23,363		74,312		20,051,091
Commercial real estate:
Income CRE	4,242,044		679		—		4,242,723		—		19		1,340		1,359		4,244,082
Residential CRE	87,487		7		—		87,494		—		466		—		466		87,960
Purchased credit-impaired loans	4,752		128		95		4,975		—		—		—		—		4,975
Total commercial real estate	4,334,283		814		95		4,335,192		—		485		1,340		1,825		4,337,017
Consumer real estate:
HELOC	1,217,344		9,156		5,669		1,232,169		43,007		4,227		7,472		54,706		1,286,875
R/E installment loans (b)	4,812,446		12,894		9,170		4,834,510		20,710		1,076		9,202		30,988		4,865,498
Purchased credit-impaired loans	18,720		2,770		3,276		24,766		—		—		—		—		24,766
Total consumer real estate	6,048,510		24,820		18,115		6,091,445		63,717		5,303		16,674		85,694		6,177,139
Credit card & other:
Credit card	198,917		1,076		1,178		201,171		—		—		—		—		201,171
Other	291,700		1,802		337		293,839		101		44		189		334		294,173
Purchased credit-impaired loans	323		98		99		520		—		—		—		—		520
Total credit card & other	490,940		2,976		1,614		495,530		101		44		189		334		495,864
Total loans, net of unearned income	$	30,841,035	$	36,052	$	21,859	$	30,898,946	$	100,382	$	20,217	$	41,566	$	162,165	$	31,061,111

Certain previously reported amounts have been reclassified to agree with current presentation.

(a) TRUPS is presented net of the valuation allowance of $19.1 million.

(b) In first quarter 2020, the Permanent Mortgage portfolio was combined into Consumer Real Estate portfolio, all prior periods were revised for comparability.

Schedule Of Troubled Debt Restructurings Occurring During The Year

The following tables reflect portfolio loans that were classified as TDRs during the three and six months ended June 30, 2020 and 2019:

	Three Months Ended June 30, 2020					Six Months Ended June 30, 2020
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	1	$	4,649	$	4,699	4	$	10,576	$	9,132
Total commercial (C&I)	1	4,649		4,699		4	10,576		9,132
Consumer real estate:
HELOC	4	152		151		12	1,064		1,042
R/E installment loans	40	7,793		7,741		50	9,304		9,238
Total consumer real estate	44	7,945		7,892		62	10,368		10,280
Credit card & other	16	96		91		40	254		237
Total troubled debt restructurings	61	$	12,690	$	12,682	106	$	21,198	$	19,649

	Three Months Ended June 30, 2019					Six Months Ended June 30, 2019
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	1	$	222	$	222	3	$	14,117	$	14,042
Total commercial (C&I)	1	222		222		3	14,117		14,042
Consumer real estate:
HELOC	25	3,271		3,235		44	5,375		5,319
R/E installment loans	19	1,534		1,523		66	8,959		8,936
Total consumer real estate	44	4,805		4,758		110	14,334		14,255
Credit card & other	18	109		103		33	183		174
Total troubled debt restructurings	63	$	5,136	$	5,083	146	$	28,634	$	28,471

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months

The following tables present TDRs which re-defaulted during the three and six months ended June 30, 2020 and 2019, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.

	Three Months Ended June 30, 2020			Six Months Ended June 30, 2020
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Commercial (C&I):
General C&I	—	$	—	—	$	—
Total commercial (C&I)	—	—		—	—
Consumer real estate:
HELOC	3	882		7	1,842
R/E installment loans	5	1,351		10	1,695
Total consumer real estate	8	2,233		17	3,537
Credit card & other	7	29		14	60
Total troubled debt restructurings	15	$	2,262	31	$	3,597

	Three Months Ended June 30, 2019			Six Months Ended June 30, 2019
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Commercial (C&I):
General C&I	—	$	—	—	$	—
Total commercial (C&I)	—	—		—	—
Consumer real estate:
HELOC	1	66		2	99
R/E installment loans	1	38		1	38
Total consumer real estate	2	104		3	137
Credit card & other	7	14		15	32
Total troubled debt restructurings	9	$	118	18	$	169

Accrued Interest

AIR is included within Other assets in the Consolidated Condensed Statements of Condition and the amounts by portfolio segment are presented in the following table.

	June 30
(Dollars in thousands)	2020
Commercial:
Commercial, financial, and industrial	$	56,828
Commercial real estate	16,528
Consumer:
Consumer real estate	18,020
Credit card & other	1,546
Allowance for Credit Losses on COVID-19 Deferrals	(860		)
Total accrued interest	$	92,062

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement Schedule Rollforward

The following table presents a rollforward of the accretable yield for the year ended December 31, 2019:

	Year Ended
(Dollars in thousands)	2019
Balance, beginning of period	$	13,375
Accretion	(5,792		)
Adjustment for payoffs	(2,438		)
Adjustment for charge-offs	(479		)
Adjustment for pool excess recovery (a)	—
Increase in accretable yield (b)	5,513
Disposals	(4		)
Other	(367		)
Balance, end of period	$	9,808

(a) Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.

(b)

Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows.

Schedule of Acquired Purchase Credit Impaired Loans by Portfolio Segment

The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of December 31, 2019:

	December 31, 2019
(Dollars in thousands)	Carrying value		Unpaid balance
Commercial, financial and industrial	$	24,973	$	25,938
Commercial real estate	5,078		5,466
Consumer real estate	23,681		26,245
Credit card and other	489		567
Total	$	54,221	$	58,216

Information By Class Related To Individually Impaired Loans

The following tables provide information at December 31, 2019 by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, TRUPS valuation allowance has been excluded.

	December 31, 2019
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	52,672	$	63,602	$	—
Income CRE	1,563		1,563		—
Total	$	54,235	$	65,165	$	—
Consumer:
HELOC (a)	$	4,940	$	10,438	$	—
R/E installment loans (a)	7,593		10,054		—
Total	$	12,533	$	20,492	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	29,766	$	31,536	$	6,196
TRUPS	—		—		—
Income CRE	—		—		—
Total	$	29,766	$	31,536	$	6,196
Consumer:
HELOC	$	55,522	$	59,122	$	7,016
R/E installment loans	94,191		104,121		12,282
Credit card & other	653		653		422
Total	$	150,366	$	163,896	$	19,720
Total commercial	$	84,001	$	96,701	$	6,196
Total consumer	$	162,899	$	184,388	$	19,720
Total impaired loans	$	246,900	$	281,089	$	25,916

(a) All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.

	Three Months Ended June 30					Six Months Ended June 30
		2019				2019
(Dollars in thousands)		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I		$	67,337	$	178	$	61,552	$	357
Loans to mortgage companies		18,628		—		9,314		—
Income CRE		1,481		13		1,518		27
Residential CRE		—		—		—		—
Total		$	87,446	$	191	$	72,384	$	384
Consumer:
HELOC (a)		$	6,462	$	—	$	7,030	$	—
R/E installment loans (a)		8,910		—		8,773		—
Total		$	15,372	$	—	$	15,803	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I		$	10,760	$	—	$	9,026	$	—
TRUPS		2,806		—		2,835		—
Income CRE		347		—		357		9
Residential CRE		—		—		—		—
Total		$	13,913	$	—	$	12,218	$	9
Consumer:
HELOC		$	62,623	$	504	$	63,819	$	1,026
R/E installment loans		107,892		815		107,975		1,637
Credit card & other		692		4		691		9
Total		$	171,207	$	1,323	$	172,485	$	2,672
Total commercial		$	101,359	$	191	$	84,602	$	393
Total consumer		$	186,579	$	1,323	$	188,288	$	2,672
Total impaired loans		$	287,938	$	1,514	$	272,890	$	3,065

(a)

All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.