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Loans (Tables)

3 Months Ended

Mar. 31, 2016

The following table provides the balance of loans by portfolio segment as of March 31, 2016 and 2015, and December 31, 2015:

		March 31				December 31
(Dollars in thousands)		2016		2015		2015
Commercial:
	Commercial, financial, and industrial	$	10,239,183	$	9,638,355	$	10,436,390
	Commercial real estate		1,848,569		1,320,897		1,674,935
Retail:
	Consumer real estate (a)		4,690,230		4,922,817		4,766,518
	Permanent mortgage		442,791		511,708		454,123
	Credit card & other		354,221		338,346		354,536
Loans, net of unearned income		$	17,574,994	$	16,732,123	$	17,686,502
Allowance for loan losses			204,034		228,328		210,242
Total net loans		$	17,370,960	$	16,503,795	$	17,476,260

Balances as of March 31, 2016 and 2015, and December 31, 2015, include $47.8 million, $71.6 million, and $52.8 million of restricted real estate loans, respectively. See Note 13 - Variable Interest Entities for additional information.

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Movement Schedule Rollforward [Table Text Block]

The following table presents a rollforward of the accretable yield for the three months ended March 31, 2016 and 2015:

		Three Months Ended
		March 31
(Dollars in thousands)		2016		2015
Balance, beginning of period	$	8,542	$	14,714
Accretion		(1,151)		(3,371)
Adjustment for payoffs		(1,777)		(1,336)
Adjustment for charge-offs		(663)		-
Increase in accretable yield (a)		4,007		461
Balance, end of period	$	8,958	$	10,468

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 [Table Text Block]

At March 31, 2016, the ALLL related to PCI loans was $1.1 million compared to $3.1 million at March 31, 2015. The loan loss provision expense for the three months ended March 31, 2016 was not material. There was a loan loss provision credit of $.2 million recognized during the three months ended March 31, 2015. The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of March 31, 2016 and 2015, and December 31, 2015:

	March 31, 2016				March 31, 2015				December 31, 2015
(Dollars in thousands)	Carrying value		Unpaid balance		Carrying value		Unpaid balance		Carrying value		Unpaid balance
Commercial, financial and industrial	$	12,917	$	14,953	$	4,665	$	5,437	$	16,063	$	18,573
Commercial real estate		12,645		16,700		23,013		29,205		19,929		25,504
Consumer real estate		3,491		4,512		1,910		2,897		3,672		4,533
Credit card and other		53		74		9		12		52		76
Total	$	29,106	$	36,239	$	29,597	$	37,551	$	39,716	$	48,686

Information By Class Related To Individually Impaired Loans

Impaired Loans

The following tables provide information at March 31, 2016 and 2015, by class related to individually impaired loans and consumer TDRs. Recorded investment is defined as the amount of the investment in a loan, before valuation allowance but which does reflect any direct write-down of the investment. For purposes of this disclosure, PCI loans and net LOCOM have been excluded.

		March 31, 2016
		March 31, 2016
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)		Investment		Balance		Allowance		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial:
	General C&I	$	12,377	$	19,620	$	-	$	9,224	$	-
	Income CRE		2,468		9,389		-		2,468		-
	Total	$	14,845	$	29,009	$	-	$	11,692	$	-
Retail:
	HELOC (a)	$	11,024	$	28,514	$	-	$	10,921	$	-
	R/E installment loans (a)		4,582		5,829		-		4,434		-
	Permanent mortgage (a)		4,041		6,460		-		4,436		-
	Total	$	19,647	$	40,803	$	-	$	19,791	$	-
Impaired loans with related allowance recorded:
Commercial:
	General C&I	$	28,781	$	32,664	$	8,223	$	24,921	$	87
	TRUPS		3,307		3,700		925		3,323		-
	Income CRE		5,106		6,412		383		5,138		20
	Residential CRE		1,376		1,844		105		1,397		6
	Total	$	38,570	$	44,620	$	9,636	$	34,779	$	113
Retail:
	HELOC	$	87,726	$	90,338	$	15,678	$	88,580	$	487
	R/E installment loans		58,796		60,147		15,441		59,971		317
	Permanent mortgage		92,833		105,839		16,975		95,232		547
	Credit card & other		345		348		146		360		3
	Total	$	239,700	$	256,672	$	48,240	$	244,143	$	1,354
Total commercial		$	53,415	$	73,629	$	9,636	$	46,471	$	113
Total retail		$	259,347	$	297,475	$	48,240	$	263,934	$	1,354
Total impaired loans		$	312,762	$	371,104	$	57,876	$	310,405	$	1,467

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

		March 31, 2015
		March 31, 2015
				Unpaid				Average			Interest
		Recorded		Principal		Related		Recorded			Income
(Dollars in thousands)		Investment		Balance		Allowance			Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial:
	General C&I	$	13,630	$	16,803	$	-		$	11,594	$	-
	Income CRE		4,209		11,366		-			6,369		-
	Residential CRE		-		-		-			574		-
	Total	$	17,839	$	28,169	$	-		$	18,537	$	-
Retail:
	HELOC (a)	$	12,600	$	31,419	$	-		$	12,989	$	-
	R/E installment loans (a)		4,518		5,827		-			4,669		3
	Permanent mortgage (a)		7,205		9,336		-			7,231		-
	Total	$	24,323	$	46,582	$	-		$	24,889	$	3
Impaired loans with related allowance recorded:
Commercial:
	General C&I	$	26,252	$	30,759	$	1,709		$	19,772	$	253
	TRUPS		13,429		13,700		4,310			13,444		-
	Income CRE		6,695		8,180		502			7,540		30
	Residential CRE		1,624		1,991		109			1,497		7
	Total	$	48,000	$	54,630	$	6,630		$	42,253	$	290
Retail:
	HELOC	$	85,102	$	87,242	$	20,513		$	84,636	$	448
	R/E installment loans		69,391		70,384		21,224			70,124		327
	Permanent mortgage		103,633		116,482		17,766			104,917		591
	Credit card & other		484		484		228			508		4
	Total	$	258,610	$	274,592	$	59,731		$	260,185	$	1,370
Total commercial		$	65,839	$	82,799	$	6,630		$	60,790	$	290
Total retail		$	282,933	$	321,174	$	59,731		$	285,074	$	1,373
Total impaired loans		$	348,772	$	403,973	$	66,361		$	345,864	$	1,663

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

Balances Of Commercial Loan Portfolio Classes, Disaggregated By PD Grade

The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of March 31, 2016 and 2015:
	March 31, 2016
			Loans to												Allowance
	General		Mortgage				Income		Residential				Percentage		for Loan
(Dollars in thousands)	C&I		Companies		TRUPS (a)		CRE		CRE		Total		of Total		Losses
PD Grade:
1	$	595,106	$	-	$	-	$	580	$	-	$	595,686	5	%	$	127
2		607,670		-		-		10,292		117		618,079	5			324
3		516,275		379,810		-		166,396		-		1,062,481	9			329
4		936,719		366,958		-		180,323		8,283		1,492,283	12			987
5		1,078,567		252,228		-		241,553		3,588		1,575,936	13			6,184
6		1,195,082		350,253		-		326,060		12,608		1,884,003	16			9,711
7		1,370,338		108,550		-		421,650		11,942		1,912,480	15			12,953
8		771,016		38,059		-		215,048		1,902		1,026,025	8			16,815
9		502,867		-		-		64,420		1,808		569,095	5			10,571
10		249,608		-		-		67,575		16,505		333,688	3			5,286
11		168,079		-		-		18,479		2,766		189,324	2			4,895
12		96,442		-		-		20,685		3,588		120,715	1			3,588
13		108,610		-		304,527		7,756		614		421,507	3			4,056
14,15,16		184,913		-		-		21,232		907		207,052	2			20,629
Collectively evaluated for impairment		8,381,292		1,495,858		304,527		1,762,049		64,628		12,008,354	99			96,455
Individually evaluated for impairment		41,158		-		3,307		7,574		1,376		53,415	1			9,636
Purchased credit-impaired loans		13,041		-		-		9,870		3,072		25,983	-			422
Total commercial loans	$	8,435,491	$	1,495,858	$	307,834	$	1,779,493	$	69,076	$	12,087,752	100	%	$	106,513


		March 31, 2015
			Loans to												Allowance
	General		Mortgage				Income		Residential				Percentage		for Loan
(Dollars in thousands)	C&I		Companies		TRUPS (a)		CRE		CRE		Total		of Total		Losses
PD Grade:
1	$	446,725	$	-	$	-	$	605	$	59	$	447,389	4	%	$	75
2		550,069		-		-		1,896		233		552,198	5			173
3		528,347		276,653		-		63,112		261		868,373	8			228
4		663,213		235,434		-		64,020		229		962,896	9			435
5		1,050,800		384,418		-		253,658		1,840		1,690,716	15			2,743
6		1,111,069		498,752		-		213,787		5,333		1,828,941	17			5,488
7		1,278,125		192,154		-		231,551		14,316		1,716,146	16			9,169
8		735,695		27,813		-		173,744		518		937,770	9			9,786
9		474,912		26,448		-		131,893		922		634,175	6			8,642
10		228,176		-		-		26,641		165		254,982	2			4,811
11		209,639		-		-		27,255		946		237,840	2			5,783
12		93,055		-		-		29,205		493		122,753	1			4,103
13		114,775		-		325,382		4,530		1,076		445,763	4			4,989
14,15,16		129,146		-		-		31,015		3,641		163,802	1			19,657
Collectively evaluated for impairment		7,613,746		1,641,672		325,382		1,252,912		30,032		10,863,744	99			76,082
Individually evaluated for impairment		39,882		-		12,815		10,904		1,624		65,225	1			6,630
Purchased credit-impaired loans		4,858		-		-		23,696		1,729		30,283	-			2,605
Total commercial loans	$	7,658,486	$	1,641,672	$	338,197	$	1,287,512	$	33,385	$	10,959,252	100	%	$	85,317

Balances as of March 31, 2016 and 2015, presented net of $25.5 million and $26.2 million, respectively, in lower of cost or market (“LOCOM”) valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13".

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The HELOC

The following tables reflect period end balances and average FICO scores by origination vintage for the HELOC, real estate installment, and permanent mortgage classes of loans as of March 31, 2016 and 2015:

HELOC
	March 31, 2016						March 31, 2015
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2003	$	35,875		708		704	$	51,626		707		700
2003		67,315		718		711		95,043		721		707
2004		184,785		721		710		258,974		723		707
2005		276,596		728		711		421,315		731		720
2006		246,861		737		725		321,702		739		726
2007		286,148		744		730		342,531		744		728
2008		164,166		753		748		188,111		753		748
2009		80,993		751		745		97,279		751		742
2010		76,987		753		746		92,777		753		749
2011		74,531		759		750		92,484		758		753
2012		91,976		759		758		112,955		760		758
2013		117,405		756		756		142,772		757		756
2014		107,725		761		763		121,991		762		763
2015		151,444		761		760		25,250		759		756
2016		26,273		764		760		-		-		-
Total	$	1,989,080		743		734	$	2,364,810		742		732

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans


R/E Installment Loans	March 31, 2016						March 31, 2015
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2003	$	6,145		673		690	$	11,786		679		687
2003		27,457		709		720		44,729		713		721
2004		27,004		697		694		37,944		699		695
2005		84,140		714		709		115,702		715		710
2006		93,146		711		704		126,225		712		702
2007		143,754		722		709		187,510		722		707
2008		48,829		718		719		60,538		718		712
2009		20,564		733		732		26,812		737		727
2010		72,595		750		755		95,017		747		756
2011		216,423		761		758		267,079		760		759
2012		491,925		764		765		586,729		764		765
2013		402,530		755		759		460,196		756		758
2014		403,306		756		760		450,765		756		754
2015		557,931		758		757		86,975		757		758
2016		105,401		763		762		-		-		-
Total	$	2,701,150		751		751	$	2,558,007		749		747

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans


Permanent Mortgage	March 31, 2016						March 31, 2015
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2004	$	105,876		721		719	$	136,848		723		718
2004		12,211		709		701		16,484		712		715
2005		27,317		738		732		32,563		736		732
2006		47,704		732		734		59,636		732		726
2007		157,235		733		713		183,359		733		719
2008		74,962		741		717		82,818		741		712
2016		17,486		721		721		-		-		-
Total	$	442,791		730		718	$	511,708		730		717

Accruing And Non-Accruing Loans By Class


The following table reflects accruing and non-accruing loans by class on March 31, 2016:

	Accruing								Non-Accruing
			30-89		90+						30-89		90+		Total
			Days		Days		Total				Days		Days		Non-		Total
(Dollars in thousands)	Current		Past Due		Past Due		Accruing		Current		Past Due		Past Due		Accruing		Loans
Commercial (C&I):
General C&I	$	8,356,560	$	30,463	$	314	$	8,387,337	$	16,702	$	557	$	17,854	$	35,113	$	8,422,450
Loans to mortgage companies		1,489,354		6,411		-		1,495,765		-		-		93		93		1,495,858
TRUPS (a)		304,527		-		-		304,527		-		-		3,307		3,307		307,834
Purchased credit-impaired loans		12,784		-		257		13,041		-		-		-		-		13,041
Total commercial (C&I)		10,163,225		36,874		571		10,200,670		16,702		557		21,254		38,513		10,239,183
Commercial real estate:
Income CRE		1,759,601		1,188		105		1,760,894		3,047		64		5,618		8,729		1,769,623
Residential CRE		65,261		-		-		65,261		-		-		743		743		66,004
Purchased credit-impaired loans		10,828		1,673		441		12,942		-		-		-		-		12,942
Total commercial real estate		1,835,690		2,861		546		1,839,097		3,047		64		6,361		9,472		1,848,569
Consumer real estate:
HELOC		1,882,664		18,447		8,170		1,909,281		63,021		5,542		11,236		79,799		1,989,080
R/E installment loans		2,651,317		9,103		2,298		2,662,718		26,223		2,856		5,136		34,215		2,696,933
Purchased credit-impaired loans		3,984		233		-		4,217		-		-		-		-		4,217
Total consumer real estate		4,537,965		27,783		10,468		4,576,216		89,244		8,398		16,372		114,014		4,690,230
Permanent mortgage		401,496		5,117		5,938		412,551		12,039		4,192		14,009		30,240		442,791
Credit card & other
Credit card		185,652		1,463		1,396		188,511		-		-		-		-		188,511
Other		163,156		962		192		164,310		613		-		733		1,346		165,656
Purchased credit-impaired loans		54		-		-		54		-		-		-		-		54
Total credit card & other		348,862		2,425		1,588		352,875		613		-		733		1,346		354,221
Total loans, net of unearned income	$	17,287,238	$	75,060	$	19,111	$	17,381,409	$	121,645	$	13,211	$	58,729	$	193,585	$	17,574,994

Total TRUPS includes LOCOM valuation allowance of $25.5 million.


The following table reflects accruing and non-accruing loans by class on March 31, 2015:

	Accruing								Non-Accruing
			30-89		90+						30-89		90+		Total
			Days		Days		Total				Days		Days		Non-		Total
(Dollars in thousands)	Current		Past Due		Past Due		Accruing		Current		Past Due		Past Due		Accruing		Loans
Commercial (C&I):
General C&I	$	7,627,209	$	5,291	$	251	$	7,632,751	$	1,441	$	10,445	$	8,991	$	20,877	$	7,653,628
Loans to mortgage companies		1,640,638		915		-		1,641,553		-		-		119		119		1,641,672
TRUPS (a)		325,382		-		-		325,382		-		-		12,815		12,815		338,197
Purchased credit-impaired loans		4,192		-		666		4,858		-		-		-		-		4,858
Total commercial (C&I)		9,597,421		6,206		917		9,604,544		1,441		10,445		21,925		33,811		9,638,355
Commercial real estate:
Income CRE		1,249,793		687		-		1,250,480		1,454		2,817		9,065		13,336		1,263,816
Residential CRE		31,591		65		-		31,656		-		-		-		-		31,656
Purchased credit-impaired loans		21,817		-		3,608		25,425		-		-		-		-		25,425
Total commercial real estate		1,303,201		752		3,608		1,307,561		1,454		2,817		9,065		13,336		1,320,897
Consumer real estate:
HELOC		2,250,415		20,698		10,362		2,281,475		66,743		5,075		11,517		83,335		2,364,810
R/E installment loans		2,502,363		11,975		5,204		2,519,542		27,748		2,576		5,741		36,065		2,555,607
Purchased credit-impaired loans		2,308		4		88		2,400		-		-		-		-		2,400
Total consumer real estate		4,755,086		32,677		15,654		4,803,417		94,491		7,651		17,258		119,400		4,922,817
Permanent mortgage		464,677		8,019		6,085		478,781		16,710		2,752		13,465		32,927		511,708
Credit card & other
Credit card		177,042		1,467		1,440		179,949		-		-		-		-		179,949
Other		156,478		916		239		157,633		-		-		755		755		158,388
Purchased credit-impaired loans		9		-		-		9		-		-		-		-		9
Total credit card & other		333,529		2,383		1,679		337,591		-		-		755		755		338,346
Total loans, net of unearned income	$	16,453,914	$	50,037	$	27,943	$	16,531,894	$	114,096	$	23,665	$	62,468	$	200,229	$	16,732,123

Total TRUPS includes LOCOM valuation allowance of $26.2 million.

Schedule Of Troubled Debt Restructurings Occurring During The Year


The following tables reflect portfolio loans that were classified as TDRs during the three months ended March 31, 2016 and 2015:

		2016					2015
			Pre-Modification		Post-Modification			Pre-Modification		Post-Modification
			Outstanding		Outstanding			Outstanding		Outstanding
(Dollars in thousands)		Number	Recorded Investment		Recorded Investment		Number	Recorded Investment		Recorded Investment
Commercial (C&I):
General C&I		1	$	708	$	708	2	$	1,388	$	1,325
	Total commercial (C&I)	1		708		708	2		1,388		1,325
Consumer real estate:
HELOC		99		7,440		7,370	37		3,727		3,707
R/E installment loans		15		898		895	16		1,354		1,377
	Total consumer real estate	114		8,338		8,265	53		5,081		5,084
Permanent mortgage		-		-		-	2		321		321
Credit card & other		4		19		18	6		28		27
Total troubled debt restructurings		119	$	9,065	$	8,991	63	$	6,818	$	6,757

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months


The following tables present TDRs which re-defaulted during the three months ended March 31, 2016 and 2015, 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.


		2016			2015
			Recorded			Recorded
(Dollars in thousands)		Number	Investment		Number	Investment
Consumer real estate:
HELOC		1		36	1		30
R/E installment loans		-		-	1		86
	Total consumer real estate	1		36	2		116
Credit card & other		-		-	1		3
Total troubled debt restructurings		1	$	36	3	$	119