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Fair Value Of Assets And Liabilities (Tables)

12 Months Ended

Dec. 31, 2013

Fair Value Of Assets And Liabilities [Abstract]

Schedule Of Assets And Liabilities Measured At Fair Value On A Recurring Basis

Recurring Fair Value Measurements

The following table presents the balance of assets and liabilities measured at fair value on a recurring basis as of December 31, 2013:

			December 31, 2013
(Dollars in thousands)			Level 1		Level 2		Level 3		Total
Trading securities - capital markets:
	U.S. treasuries		$	-	$	70,472	$	-	$	70,472
	Government agency issued MBS			-		231,398		-		231,398
	Government agency issued CMO			-		55,515		-		55,515
	Other U.S. government agencies			-		108,265		-		108,265
	States and municipalities			-		30,814		-		30,814
	Corporate and other debt			-		297,440		5		297,445
	Equity, mutual funds, and other			-		614		-		614
		Total trading securities - capital markets		-		794,518		5		794,523
Trading securities - mortgage banking:
	Principal only			-		-		5,110		5,110
	Interest only			-		-		2,085		2,085
		Total trading securities - mortgage banking		-		-		7,195		7,195
Loans held-for-sale				-		-		230,456		230,456
Securities available-for-sale:
	U.S. treasuries			-		39,996		-		39,996
	Government agency issued MBS			-		823,689		-		823,689
	Government agency issued CMO			-		2,290,937		-		2,290,937
	Other U.S. government agencies			-		-		2,326		2,326
	States and municipalities			-		13,655		1,500		15,155
	Venture capital			-		-		4,300		4,300
	Equity, mutual funds, and other			23,259		-		-		23,259
		Total securities available-for-sale		23,259		3,168,277		8,126		3,199,662
Mortgage servicing rights				-		-		72,793		72,793
Other assets:
	Deferred compensation assets			23,880		-		-		23,880
	Derivatives, forwards and futures			3,020		-		-		3,020
	Derivatives, interest rate contracts			-		178,846		-		178,846
		Total other assets		26,900		178,846		-		205,746
		Total assets	$	50,159	$	4,141,641	$	318,575	$	4,510,375
Trading liabilities - capital markets:
	U.S. treasuries		$	-	$	210,096	$	-	$	210,096
	Government agency issued MBS			-		854		-		854
	Other U.S. government agencies			-		3,900		-		3,900
	Corporate and other debt			-		153,498		-		153,498
		Total trading liabilities - capital markets		-		368,348		-		368,348
Other liabilities:
	Derivatives, forwards and futures			4,343		-		-		4,343
	Derivatives, interest rate contracts			-		147,021		-		147,021
	Derivatives, other			-		1		2,915		2,916
		Total other liabilities		4,343		147,022		2,915		154,280
		Total liabilities	$	4,343	$	515,370	$	2,915	$	522,628

The following table presents the balance of assets and liabilities measured at fair value on a recurring basis as of December 31, 2012:

			December 31, 2012
(Dollars in thousands)			Level 1		Level 2		Level 3		Total
Trading securities - capital markets:
	U.S. treasuries		$	-	$	97,965	$	-	$	97,965
	Government agency issued MBS			-		360,400		-		360,400
	Government agency issued CMO			-		209,869		-		209,869
	Other U.S. government agencies			-		279,164		-		279,164
	States and municipalities			-		35,178		-		35,178
	Corporate and other debt			-		244,022		5		244,027
	Equity, mutual funds, and other			-		18,130		-		18,130
		Total trading securities - capital markets		-		1,244,728		5		1,244,733
Trading securities - mortgage banking:
	Principal only			-		-		5,480		5,480
	Interest only			-		-		12,507		12,507
		Total trading securities - mortgage banking		-		-		17,987		17,987
Loans held-for-sale				-		2,349		221,094		223,443
Securities available-for-sale:
	U.S. treasuries			-		39,999		-		39,999
	Government agency issued MBS			-		1,136,580		-		1,136,580
	Government agency issued CMO			-		1,649,211		-		1,649,211
	Other U.S. government agencies			-		-		3,753		3,753
	States and municipalities			-		13,755		1,500		15,255
	Corporate and other debt			510		-		-		510
	Venture capital			-		-		4,300		4,300
	Equity, mutual funds, and other			14,767		-		-		14,767
		Total securities available-for-sale		15,277		2,839,545		9,553		2,864,375
Mortgage servicing rights				-		-		114,311		114,311
Other assets:
	Deferred compensation assets			22,477		-		-		22,477
	Derivatives, forwards and futures			1,850		-		-		1,850
	Derivatives, interest rate contracts			-		290,617		-		290,617
	Derivatives, other			-		5		-		5
		Total other assets		24,327		290,622		-		314,949
		Total assets	$	39,604	$	4,377,244	$	362,950	$	4,779,798
Trading liabilities - capital markets:
	U.S. treasuries		$	-	$	376,790	$	-	$	376,790
	Government agency issued MBS			-		43		-		43
	Other U.S. government agencies			-		21,887		-		21,887
	States and municipalities			-		960		-		960
	Corporate and other debt			-		164,749		-		164,749
		Total trading liabilities - capital markets		-		564,429		-		564,429

Other short-term borrowings				-		-		11,156		11,156
Other liabilities:
	Derivatives, forwards and futures			2,546		-		-		2,546
	Derivatives, interest rate contracts			-		197,548		-		197,548
	Derivatives, other			-		-		2,175		2,175
		Total other liabilities		2,546		197,548		2,175		202,269
		Total liabilities	$	2,546	$	761,977	$	13,331	$	777,854

Summary Of Changes In Level 3 Assets And Liabilities Measured At Fair Value

Changes in Recurring Level 3 Fair Value Measurements

The changes in Level 3 assets and liabilities measured at fair value for the twelve months ended December 31, 2013, 2012 and 2011, on a recurring basis are summarized as follows:

			Twelve Months Ended December 31, 2013
											Securities available-for-sale					Mortgage								Other
			Trading			Loans held-				Investment			Venture			servicing				Net derivative				short-term
(Dollars in thousands)			securities			for-sale				portfolio			Capital			rights, net				liabilities				borrowings
Balance on January 1, 2013			$	17,992			$	221,094			$	5,253	$	4,300			$	114,311			$	(2,175)			$	(11,156)
	Total net gains/(losses) included in:
		Net income		5,028				(4,387)				-		-				20,182				(2,013)				(3)
		Other comprehensive income		-				-				(114)		-				-				-				-
	Purchases			-				69,929				-		-				-				-				-
	Issuances			-				-				-		-				-				-				-
	Sales			(7,784)				-				-		-				(39,633)				-				11,159
	Settlements			(8,036)				(40,369)				(1,313)		-				(22,067)				1,273				-
	Net transfers into/(out of) Level 3			-				(15,811)	(c)			-		-				-				-				-
Balance on December 31, 2013			$	7,200			$	230,456			$	3,826	$	4,300			$	72,793			$	(2,915)			$	-
Net unrealized gains/(losses) included in net income			$	1,237	(a)		$	(4,387)	(a)		$	-	$	-	(b)		$	17,394	(a)		$	2,013	(d)		$	-	(a)

			Twelve Months Ended December 31, 2012
											Securities available-for-sale					Mortgage								Other
			Trading			Loans held-				Investment			Venture			servicing				Net derivative				short-term
(Dollars in thousands)			securities			for-sale				portfolio			Capital			rights, net				liabilities				borrowings
Balance on January 1, 2012			$	18,059			$	210,487			$	7,262	$	12,179			$	144,069			$	(11,820)			$	(14,833)
	Total net gains/(losses) included in:
		Net income		3,678				(2,618)				-		371				(5,075)				(1,757)				3,677
		Other comprehensive income		-				-				(234)		-				-				-				-
	Purchases			-				60,111				-		-				-				-				-
	Issuances			-				-				-		-				-				-				-
	Sales			-				-				-		(8,250)				-				-				-
	Settlements			(9,225)				(27,032)				(1,775)		-				(24,683)				11,402				-
	Net transfers into/(out of) Level 3			5,480				(19,854)	(c)			-		-				-				-				-
Balance on December 31, 2012			$	17,992			$	221,094			$	5,253	$	4,300			$	114,311			$	(2,175)			$	(11,156)
Net unrealized gains/(losses) included in net income			$	2,084	(a)		$	(2,618)	(a)		$	-	$	(4,700)	(b)		$	(3,957)	(a)		$	(1,757)	(d)		$	3,677	(a)

				Twelve Months Ended December 31, 2011
										Securities available-for-sale						Mortgage								Other
			Trading			Loans held-				Investment			Venture			servicing				Net derivative				short-term
(Dollars in thousands)			securities			for-sale				portfolio			capital			rights				liabilities				borrowings
Balance on January 1, 2011			$	26,478			$	207,632			$	39,391	$	13,179			$	207,319			$	(1,000)			$	(27,309)
Total net gains/(losses) included in:
		Net income		3,796				(368)				-		-				(41,260)				(9,414)				12,476
		Other comprehensive income		-				-				(1,688)		-				-				-				-
	Purchases			-				49,323				-		-				-				-				-
	Issuances			-				-				-		-				-				(2,500)				-
	Sales			(132)				-				(29,217)		(1,000)				-				-				-
	Settlements			(12,083)				(37,198)				(1,224)		-				(21,990)				1,094				-
	Net transfers into/(out of) Level 3			-				(8,902)	(c)			-		-				-				-				-
Balance on December 31, 2011			$	18,059			$	210,487			$	7,262	$	12,179			$	144,069			$	(11,820)			$	(14,833)
Net unrealized gains/(losses) included in net income			$	2,205	(a)		$	(368)	(a)		$	-	$	-	(b)		$	(40,076)	(a)		$	(9,414)	(d)		$	12,476	(a)

Primarily included in mortgage banking income on the Consolidated Statements of Income.
Represents recognized gains and losses attributable to venture capital investments classified within securities available-for-sale that are included in securities gains/(losses) in noninterest income.
Transfers out of recurring loans held-for-sale level 3 balances reflect movements out of loans held-for-sale and into real estate acquired by foreclosure (level 3 nonrecurring).
Included in Other expense

Nonrecurring Fair Value Measurements

From time to time, FHN may be required to measure certain other financial assets at fair value on a nonrecurring basis in accordance with GAAP. These adjustments to fair value usually result from the application of LOCOM accounting or write-downs of individual assets. For assets measured at fair value on a nonrecurring basis which were still held on the balance sheet at December 31, 2013, 2012, and 2011, respectively, the following tables provide the level of valuation assumptions used to determine each adjustment, the related carrying value, and the fair value adjustments recorded during the respective periods.

									Twelve Months Ended
	Carrying value at December 31, 2013								December 31, 2013
(Dollars in thousands)	Level 1		Level 2		Level 3		Total		Net gains/(losses)
Loans held-for-sale - SBAs	$	-	$	6,185	$	-	$	6,185	$	(122)
Loans held-for-sale - first mortgages		-		-		9,457		9,457		139
Loans, net of unearned income (a)		-		-		62,839		62,839		(3,109)
Real estate acquired by foreclosure (b)		-		-		45,753		45,753		(4,987)
Other assets (c)		-		-		66,128		66,128		(4,902)
									$	(12,981)


									Twelve Months Ended
	Carrying value at December 31, 2012								December 31, 2012
(Dollars in thousands)	Level 1		Level 2		Level 3		Total		Net gains/(losses)
Loans held-for-sale - SBAs	$	-	$	23,902	$	-	$	23,902	$	15
Loans held-for-sale - first mortgages		-		-		12,054		12,054		(436)
Loans, net of unearned income (a)		-		-		117,064		117,064		(55,948)
Real estate acquired by foreclosure (b)		-		-		41,767		41,767		(9,422)
Other assets (c)		-		-		76,501		76,501		(8,248)
									$	(74,039)


									Twelve Months Ended
	Carrying value at December 31, 2011								December 31, 2011
(Dollars in thousands)	Level 1		Level 2		Level 3		Total		Net gains/(losses)
Loans held-for-sale - SBAs	$	-	$	66,730	$	-	$	66,730	$	(2)
Loans held-for-sale - first mortgages		-		-		11,980		11,980		(5,947)
Loans, net of unearned income (a)		-		-		125,297		125,297		(48,330)
Real estate acquired by foreclosure (b)		-		-		68,884		68,884		(18,358)
Other assets (c)		-		-		91,243		91,243		(12,192)
									$	(84,829)

Represents carrying value of loans for which adjustments are required to be based on the appraised value of the collateral. Write-downs on these loans are recognized as part of provision.
Represents the fair value and related losses of foreclosed properties that were measured subsequent to their initial classification as foreclosed assets. Balance excludes foreclosed real estate related to government insured mortgages.
Represents tax credit investments.

Schedule Of Unobservable Inputs Utilized In Determining The Fair Value Of Level 3 Recurring And Non-Recurring Measurements

Level 3 Measurements

The following tables provide information regarding the unobservable inputs utilized in determining the fair value of level 3 recurring and non-recurring measurements as of December 31, 2013 and 2012:

(Dollars in Thousands)
	Fair Value at
Level 3 Class	December 31, 2013		Valuation Techniques	Unobservable Input	Values Utilized
Trading securities - mortgage	$	7,195	Discounted cash flow	(a)	(a)
Loans held-for-sale - residential real estate		239,913	Discounted cash flow	Prepayment speeds - First mortgage	6% - 10%
				Prepayment speeds - Heloc	3% - 12%
				Credit spreads	2% - 4%
				Delinquency adjustment factor	15% - 25% added to credit spread
				Loss severity trends - First mortgage	50% - 60% of UPB
				Loss severity trends - Heloc	35% - 100% of UPB
				Draw Rate - Heloc	2% - 11%
Venture capital investments		4,300	Industry comparables	Adjustment for minority interest and small business status	40% - 50% discount
			Discounted cash flow	Discount rate	25% - 30%
				Earnings capitalization rate	20% - 25%
Mortgage servicing rights		72,793	Discounted cash flow	(a)	(a)
Derivative liabilities, other		2,915	Discounted cash flow	Visa covered litigation resolution amount	$4.4 billion - $5.0 billion
				Probability of resolution scenarios	15% - 45%
				Time until resolution	6 - 30 months
Loans, net of unearned income (b)		62,839	Appraisals from comparable properties	Marketability adjustments for specific properties	0% - 10% of appraisal
			Other collateral valuations	Borrowing base certificates adjustment	20% - 50% of gross value
				Financial Statements/Auction Values adjustment	0% - 25% of reported value
Real estate acquired by foreclosure (c)		45,753	Appraisals from comparable properties	Adjustment for value changes since appraisal	0% - 10% of appraisal
Other assets (d)		66,128	Discounted cash flow	Adjustments to current sales yields for specific properties	0% - 15% adjustment to yield
			Appraisals from comparable properties	Marketability adjustments for specific properties	0% - 25% of appraisal

The unobservable inputs for Principal-only and Interest-only trading securities and MSR are discussed in Note 23 – Loan Sales and Securitizations.
Represents carrying value of loans for which adjustments are required to be based on the appraised value of the collateral. Write-downs on these loans are recognized as part of provision.
Represents the fair value of foreclosed properties that were measured subsequent to their initial classification as foreclosed assets. Balance excludes foreclosed real estate related to government insured mortgages.
Represents tax credit investments.

(Dollars in Thousands)
	Fair Value at
Level 3 Class	December 31, 2012		Valuation Techniques	Unobservable Input	Values Utilized
Trading securities - mortgage	$	17,987	Discounted cash flow	(a)	(a)
Loans held-for-sale - residential real estate		233,148	Discounted cash flow	Prepayment speeds	6% - 10%
				Credit spreads	2% - 4%
				Delinquency adjustment factor	15% - 25% added to credit spread
				Loss severity trends	50% - 60% of UPB
Venture capital investments		4,300	Industry comparables	Adjustment for minority interest and small business status	40% - 50% discount
			Discounted cash flow	Discount Rate	25% - 30%
				Earnings capitalization rate	20% - 25%
Mortgage servicing rights		114,311	Discounted cash flow	(a)	(a)
Other short-term borrowings		11,156	Discounted cash flow	(b)	(b)
Derivative liabilities, other		2,175	Discounted cash flow	Visa covered litigation resolution amount	$4.4 billion - $5.0 billion
				Probability of resolution scenarios	10% - 50%
				Time until resolution	9 - 18 months
Loans, net of unearned income (c)		117,064	Appraisals from comparable properties	Adjustment for value changes since appraisal	0% - 10% of appraisal
			Other collateral valuations	Borrowing base certificates	20% - 50% of gross value
				Financial Statements/Auction Values	0% - 25% of reported value
Real estate acquired by foreclosure (d)		41,767	Appraisals from comparable properties	Adjustment for value changes since appraisal	0% - 10% of appraisal
Other assets (e)		76,501	Discounted cash flow	Adjustments to current sales yields for specific properties	0% - 15% adjustment to yield
			Appraisals from comparable properties	Marketability adjustments for specific properties	0% - 25% of appraisal

The unobservable inputs for Principal-only and Interest-only trading securities and MSR are discussed in Note 23 – Loan Sales and Securitizations.
The inputs and associated ranges for Other short-term borrowings mirror those of the related MSR.
Represents carrying value of loans for which adjustments are required to be based on the appraised value of the collateral. Write-downs on these loans are recognized as part of provision.
Represents the fair value of foreclosed properties that were measured subsequent to their initial classification as foreclosed assets. Balance excludes foreclosed real estate related to government insured mortgages.
Represents tax credit investments.

Summary Of Differences Between The Fair Value Carrying Amount Of Mortgages Held-For-Sale And Aggregate Unpaid Principal Amount

The following tables reflect the differences between the fair value carrying amount of residential real estate loans held-for-sale measured at fair value in accordance with management’s election and the aggregate unpaid principal amount FHN is contractually entitled to receive at maturity.
		December 31, 2013
(Dollars in thousands)		Fair value carrying amount		Aggregate unpaid principal		Fair value carrying amount less aggregate unpaid principal
Residential real estate loans held-for-sale reported at fair value:
	Total loans	$	230,456	$	378,326		$	(147,870)
	Nonaccrual loans		64,231		137,301			(73,070)
	Loans 90 days or more past due and still accruing		7,765		15,854			(8,089)

		December 31, 2012
(Dollars in thousands)		Fair value carrying amount		Aggregate unpaid principal		Fair value carrying amount less aggregate unpaid principal
Residential real estate loans held-for-sale reported at fair value:
	Total loans	$	223,443	$	343,450		$	(120,007)
	Nonaccrual loans		51,203		110,386			(59,183)
	Loans 90 days or more past due and still accruing		9,111		20,839			(11,728)

Changes In Fair Value Of Assets And Liabilities Which Fair Value Option Included In Current Period Earnings

Assets and liabilities accounted for under the fair value election are initially measured at fair value with subsequent changes in fair value recognized in earnings. Such changes in the fair value of assets and liabilities for which FHN elected the fair value option are included in current period earnings with classification in the income statement line item reflected in the following table:

				Twelve Months Ended
				December 31
(Dollars in thousands)				2013		2012		2011
Changes in fair value included in net income:
	Mortgage banking noninterest income
		Loans held-for-sale	$	(4,387)	$	(2,618)	$	(368)
		Other short-term borrowings		(3)		3,677		12,476

Summary Of Book Value And Estimated Fair Value Of Financial Instruments

The following tables summarize the book value and estimated fair value of financial instruments recorded in the Consolidated Statements of Condition as well as unfunded commitments as of December 31, 2013 and 2012.

			December 31, 2013
			Book		Fair Value
(Dollars in thousands)			Value		Level 1		Level 2		Level 3		Total
Assets:
Loans, net of unearned income and allowance for loan losses
	Commercial:
		Commercial, financial and industrial	$	7,837,130	$	-	$	-	$	7,759,902	$	7,759,902
		Commercial real estate		1,122,676		-		-		1,075,385		1,075,385
	Retail:
		Consumer real estate		5,206,586		-		-		4,858,031		4,858,031
		Permanent mortgage		639,751		-		-		606,038		606,038
		Credit card & other		329,122		-		-		331,088		331,088
Total loans, net of unearned income and allowance for loan losses				15,135,265		-		-		14,630,444		14,630,444

Short-term financial assets
	Total interest-bearing cash			730,297		730,297		-		-		730,297
	Federal funds sold			66,079		-		66,079		-		66,079
	Securities purchased under agreements to resell			412,614		-		412,614		-		412,614
Total short-term financial assets				1,208,990		730,297		478,693		-		1,208,990

Trading securities (a)				801,718		-		794,518		7,200		801,718
Loans held-for-sale (a)				370,152		-		6,185		363,967		370,152
Securities available-for-sale (a) (b)				3,398,457		23,259		3,168,277		206,921		3,398,457
Derivative assets (a)				181,866		3,020		178,846		-		181,866

Other assets
	Tax credit investments			66,128		-		-		66,128		66,128
	Deferred compensation assets			23,880		23,880		-		-		23,880
Total other assets				90,008		23,880		-		66,128		90,008

Nonearning assets
	Cash & due from banks			349,216		349,216		-		-		349,216
	Capital markets receivables			45,255		-		45,255		-		45,255
	Accrued interest receivable			69,208		-		69,208		-		69,208
Total nonearning assets				463,679		349,216		114,463		-		463,679
Total assets			$	21,650,135	$	1,129,672	$	4,740,982	$	15,274,660	$	21,145,314

Liabilities:
Deposits:
	Defined maturity		$	1,505,712	$	-	$	1,520,950	$	-	$	1,520,950
	Undefined maturity			15,229,244		-		15,229,244		-		15,229,244
Total deposits				16,734,956		-		16,750,194		-		16,750,194

Trading liabilities (a)				368,348		-		368,348		-		368,348

Short-term financial liabilities
	Federal funds purchased			1,042,633		-		1,042,633		-		1,042,633
	Securities sold under agreements to repurchase			442,789		-		442,789		-		442,789
	Total other borrowings			181,146		-		181,146		-		181,146
Total short-term financial liabilities				1,666,568		-		1,666,568		-		1,666,568

Term borrowings
	Real estate investment trust-preferred			45,828		-		-		47,000		47,000
	Term borrowings - new market tax credit investment			18,000		-		-		17,685		17,685
	Borrowings secured by residential real estate			310,833		-		-		268,249		268,249
	Other long term borrowings			1,365,198		-		1,372,646		-		1,372,646
Total term borrowings				1,739,859		-		1,372,646		332,934		1,705,580

Derivative liabilities (a)				154,280		4,343		147,022		2,915		154,280

Other noninterest-bearing liabilities
	Capital markets payables			21,173		-		21,173		-		21,173
	Accrued interest payable			23,813		-		23,813		-		23,813
Total other noninterest-bearing liabilities				44,986		-		44,986		-		44,986
Total liabilities			$	20,708,997	$	4,343	$	20,349,764	$	335,849	$	20,689,956

Classes are detailed in the recurring and nonrecurring measurement tables.
Level 3 includes restricted investments in FHLB-Cincinnati stock of $128.0 million and FRB stock of $66.0 million.

			December 31, 2012
			Book		Fair Value
(Dollars in thousands)			Value		Level 1		Level 2		Level 3		Total
Assets:
Loans, net of unearned income and allowance for loan losses
	Commercial:
		Commercial, financial and industrial	$	8,700,765	$	-	$	-	$	8,546,446	$	8,546,446
		Commercial real estate		1,148,238		-		-		1,114,187		1,114,187
	Retail:
		Consumer real estate		5,559,754		-		-		4,993,192		4,993,192
		Permanent mortgage		740,655		-		-		617,385		617,385
		Credit card & other		282,207		-		-		283,830		283,830
Total loans, net of unearned income and allowance for loan losses				16,431,619		-		-		15,555,040		15,555,040

Short-term financial assets
	Total interest-bearing cash			353,373		353,373		-		-		353,373
	Federal funds sold			34,492		-		34,492		-		34,492
	Securities purchased under agreements to resell			601,891		-		601,891		-		601,891
Total short-term financial assets				989,756		353,373		636,383		-		989,756

Trading securities (a)				1,262,720		-		1,244,728		17,992		1,262,720
Loans held-for-sale (a)				401,937		-		26,251		375,686		401,937
Securities available-for-sale (a) (b)				3,061,808		15,277		2,839,545		206,986		3,061,808
Derivative assets (a)				292,472		1,850		290,622		-		292,472

Other assets
	Tax credit investments			76,501		-		-		76,501		76,501
	Deferred compensation assets			22,477		22,477		-		-		22,477
Total other assets				98,978		22,477		-		76,501		98,978

Nonearning assets
	Cash & due from banks			469,879		469,879		-		-		469,879
	Capital markets receivables			117,772		-		117,772		-		117,772
	Accrued interest receivable			72,779		-		72,779		-		72,779
Total nonearning assets				660,430		469,879		190,551		-		660,430
Total assets			$	23,199,720	$	862,856	$	5,228,080	$	16,232,205	$	22,323,141

Liabilities:
Deposits:
	Defined maturity		$	1,523,428	$	-	$	1,556,020	$	-	$	1,556,020
	Undefined maturity			15,106,281		-		15,106,281		-		15,106,281
Total deposits				16,629,709		-		16,662,301		-		16,662,301

Trading liabilities (a)				564,429		-		564,429		-		564,429

Short-term financial liabilities
	Federal funds purchased			1,351,023		-		1,351,023		-		1,351,023
	Securities sold under agreements to repurchase			555,438		-		555,438		-		555,438
	Total other borrowings			441,201		-		430,045		11,156		441,201
Total short-term financial liabilities				2,347,662		-		2,336,506		11,156		2,347,662

Term borrowings
	Real estate investment trust-preferred			45,760		-		-		42,300		42,300
	Term borrowings - new market tax credit investment			18,000		-		-		18,835		18,835
	Borrowings secured by residential real estate			390,182		-		-		231,041		231,041
	Other long term borrowings			1,772,540		-		1,729,527		-		1,729,527
Total term borrowings				2,226,482		-		1,729,527		292,176		2,021,703

Derivative liabilities (a)				202,269		2,546		197,548		2,175		202,269

Other noninterest-bearing liabilities
	Capital markets payables			110,329		-		110,329		-		110,329
	Accrued interest payable			28,114		-		28,114		-		28,114
Total other noninterest-bearing liabilities				138,443		-		138,443		-		138,443
Total liabilities			$	22,108,994	$	2,546	$	21,628,754	$	305,507	$	21,936,807

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

Classes are detailed in the recurring and nonrecurring measurement tables.
Level 3 includes restricted investments in FHLB-Cincinnati stock of $125.5 million and FRB stock of $66.0 million.

	Contractual Amount				Fair Value
(Dollars in thousands)	December 31, 2013		December 31, 2012		December 31, 2013		December 31, 2012
Unfunded Commitments:
Loan commitments	$	8,836,656	$	7,993,218	$	1,923	$	1,765
Standby and other commitments		318,149		367,785		4,653		4,933

- Definition

Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.

+ References+ Details

- Definition

Tabular disclosure of the application of the fair value option for measurement and reporting of eligible financial assets and liabilities (as defined), as well as certain other eligible items (as defined) included in the statement of financial position, whether such option is elected for a single eligible item or a group of similar eligible items and is in addition to other disclosures concerning fair value which the company may be required to provide. Such disclosure might be expected to include: (1) for items included in the statement of financial position: (a) for each line item in the statement of financial position that includes an item or items for which the fair value option has been elected, provide the aggregate carrying amount of ineligible items included in each line item in the balance sheet, if any; (b) the difference between the aggregate fair value and the aggregate unpaid principal balance (assuming contractual principal amounts and fair value option elected) of: (i) loans and long-term receivables (other than securities otherwise reported at fair value) and (ii) long-term debt instruments; (c) for loans held as assets for which the fair value option has been elected: (i) the aggregate fair value of loans that are 90 days or more past due, (ii) if the policy is to recognize interest income separately from other changes in fair value, the aggregate fair value of loans in nonaccrual status, and (iii) the difference between the aggregate fair value and the aggregate unpaid principal balance for loans that are 90 days or more past due, in nonaccrual status, or both; (2) for items included in the income statement: (a) the amounts of gains and losses from fair value changes included in earnings and in which line in the income statement those gains and losses are reported whether or not combined with gains and losses from items required to be accounted for at fair value; (b) for loans and other receivables held as assets, the estimated amount of gains or losses included in earnings attributable to changes in instrument-specific credit risk; (c) for liabilities with fair values that have been significantly affected during the reporting period by changes in the instrument-specific credit risk, the estimated amount of gains and losses from fair value changes included in earnings that are attributable to changes in the instrument-specific credit risk; and (3) certain other disclosures as required or determined to be provided.

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