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Loans (Tables)
6 Months Ended
Jun. 30, 2016
Loans [Abstract]  
Schedule Of Loans By Portfolio Segment
The following table provides the balance of loans by portfolio segment as of June 30, 2016 and 2015, and December, 31 2015:
June 30December 31
(Dollars in thousands)   2016  2015  2015
Commercial:      
Commercial, financial, and industrial$11,179,445  $9,832,563  $10,436,390
Commercial real estate1,969,412  1,400,715  1,674,935
Consumer:    
Consumer real estate (a)4,640,779  4,870,271  4,766,518
Permanent mortgage439,014  487,679  454,123
Credit card & other360,687  345,544  354,536
Loans, net of unearned income$18,589,337  $16,936,772  $17,686,502
Allowance for loan losses199,807  221,351  210,242
Total net loans$18,389,530  $16,715,421  $17,476,260

Balances as of June 30, 2016 and 2015, and December 31, 2015, include $43.5 million, $66.4 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]
Purchased Credit-Impaired Loans
The following table presents a rollforward of the accretable yield for the three and six months ended June 30, 2016 and 2015:
Three Months EndedSix Months Ended
June 30June 30
(Dollars in thousands)2016201520162015
Balance, beginning of period$8,958$10,468$8,542$14,714
Accretion(996)(1,576)(2,147)(4,948)
Adjustment for payoffs(2,452)(760)(4,229)(2,096)
Adjustment for charge-offs(11)-(674)-
Increase in accretable yield (a)7052164,712678
Other(33)-(33)-
Balance, end of period$6,171$8,348$6,171$8,348

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]
The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of June 30, 2016 and 2015, and December 31, 2015:
June 30, 2016June 30, 2015December 31, 2015
(Dollars in thousands)Carrying valueUnpaid balanceCarrying valueUnpaid balanceCarrying valueUnpaid balance
Commercial, financial and industrial $10,437$12,140$4,870$5,507$16,063$18,573
Commercial real estate 9,42812,38220,26224,83019,92925,504
Consumer real estate 1,2471,8001,9272,7963,6724,533
Credit card and other 55729115276
Total $21,167$26,394$27,068$33,144$39,716$48,686
Information By Class Related To Individually Impaired Loans
Impaired Loans
The following tables provide information at June 30, 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.
June 30, 2016Three Months EndedSix Months Ended
June 30, 2016June 30, 2016
  Unpaid  AverageInterestAverageInterest
RecordedPrincipalRelatedRecordedIncomeRecordedIncome
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognizedInvestmentRecognized
Impaired loans with no related allowance recorded:        
Commercial:        
General C&I$14,289  $22,141  $-$13,333  $-$11,278  $-
Income CRE2,468  9,389  -2,468  -2,468  -
Total$16,757  $31,530  $-$15,801  $-$13,746  $-
Consumer:        
HELOC (a)$11,186  $25,367  $-$11,105  $-$11,013  $-
R/E installment loans (a)4,232  5,411  -4,407  -4,420  -
Permanent mortgage (a)4,280  6,657  -4,161  -4,298  -
Total$19,698  $37,435  $-$19,673  $-$19,731  $-
Impaired loans with related allowance recorded:        
Commercial:        
General C&I$33,884  $35,585  $3,151$31,333  $292$28,127  $379
TRUPS3,274  3,700  9253,291  -3,307  -
Income CRE4,454  4,796  3294,780  204,959  40
Residential CRE1,376  1,844  1051,376  61,386  12
Total$42,988  $45,925  $4,510$40,780  $318$37,779  $431
Consumer:        
HELOC$88,871  $91,771  $16,375$88,299  $494$88,439  $981
R/E installment loans59,050  60,338  15,53658,923  34559,447  662
Permanent mortgage91,602  104,243  15,58392,218  54193,725  1,058
Credit card & other356  356  147351  3355  6
Total$239,879  $256,708  $47,641$239,791  $1,383$241,966  $2,707
Total commercial$59,745  $77,455  $4,510$56,581  $318$51,525  $431
Total consumer$259,577  $294,143  $47,641$259,464  $1,383$261,697  $2,707
Total impaired loans$319,322  $371,598  $52,151$316,045  $1,701$313,222  $3,138

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

June 30, 2015Three Months EndedSix Months Ended
June 30, 2015June 30, 2015
  Unpaid  AverageInterestAverageInterest
RecordedPrincipalRelatedRecordedIncomeRecordedIncome
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognizedInvestmentRecognized
Impaired loans with no related allowance recorded:        
Commercial:        
General C&I$12,402  $15,690  $-$13,016  $-$12,305  $-
Income CRE4,187  11,262  -4,198  -5,283  -
Residential CRE-  -  --  -287  -
Total$16,589  $26,952  $-$17,214  $-$17,875  $-
Consumer:        
HELOC (a)$12,577  $30,604  $-$12,588  $-$12,788  $-
R/E installment loans (a)4,959  6,211  -4,739  -4,704  -
Permanent mortgage (a)6,403  8,603  -6,804  -7,018  -
Total$23,939  $45,418  $-$24,131  $-$24,510  $-
Impaired loans with related allowance recorded:        
Commercial:        
General C&I$30,549  $37,741  $8,117$28,400  $237$24,087  $490
TRUPS13,399  13,700  4,81013,414  -13,429  -
Income CRE6,788  8,298  5336,742  337,140  63
Residential CRE1,518  1,886  1021,571  61,534  13
Total$52,254  $61,625  $13,562$50,127  $276$46,190  $566
Consumer:        
HELOC$87,292  $89,454  $21,967$86,197  $461$85,417  $909
R/E installment loans67,269  68,151  19,43968,330  33169,227  658
Permanent mortgage100,754  113,290  17,857102,194  637103,555  1,228
Credit card & other418  418  155451  4479  8
Total$255,733  $271,313  $59,418$257,172  $1,433$258,678  $2,803
Total commercial$68,843  $88,577  $13,562$67,341  $276$64,065  $566
Total consumer$279,672  $316,731  $59,418$281,303  $1,433$283,188  $2,803
Total impaired loans$348,515  $405,308  $72,980$348,644  $1,709$347,253  $3,369

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 June 30, 2016 and 2015:
June 30, 2016
Loans to      Allowance
GeneralMortgageIncomeResidentialPercentagefor Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalof TotalLosses
PD Grade:      
1$538,386$-$-$949  $-  $539,335  4%$109
2709,997--9,806  115  719,918  5389
3425,912436,545-159,880  -  1,022,337  8261
4985,360422,844-219,102  211  1,627,517  121,076
51,094,829248,926-259,861  589  1,604,205  126,203
61,156,675837,453-290,774  22,028  2,306,930  189,654
71,399,125172,039-437,637  8,157  2,016,958  1514,307
8803,70846,947-303,946  4,330  1,158,931  920,979
9564,4746,661-82,351  4,625  658,111  512,885
10258,48638,285-61,260  14,011  372,042  35,637
11222,39117,390-20,364  4,838  264,983  26,971
12111,980--14,530  4,363  130,873  14,337
13157,028-304,5277,437  302  469,294  45,669
14,15,16157,40381-18,369  1,471  177,324  117,758
Collectively evaluated for impairment8,585,7542,227,171304,5271,886,266  65,040  13,068,758  99106,235
Individually evaluated for impairment48,173-3,2746,922  1,376  59,745  14,510
Purchased credit-impaired loans10,546--9,19960920,354-491
Total commercial loans$8,644,473$2,227,171$307,801$1,902,387  $67,025  $13,148,857  100%$111,236

June 30, 2015
  Loans to          Allowance
GeneralMortgageIncomeResidentialPercentagefor Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalof TotalLosses
PD Grade:            
1$495,855$-$-$554  $-  $496,409  4%$126
2590,328--11,602  41  601,971  5332
3484,072317,856-84,178  181  886,287  8350
4670,972366,791-96,689  54  1,134,506  10868
51,135,773304,500-213,213  5,288  1,658,774  156,372
61,223,233618,616-267,983  4,499  2,114,331  2010,234
71,186,480139,217-365,840  2,844  1,694,381  1513,203
8749,50428,068-163,904  272  941,748  813,942
9419,68724,617-43,752  383  488,439  47,900
10222,799--27,840  202  250,841  25,147
11179,139--24,010  1,071  204,220  25,438
1276,209--17,884  543  94,636  12,704
13122,862-305,3823,633  287  432,164  44,944
14,15,16109,820--27,045  2,054  138,919  112,829
Collectively evaluated for impairment7,666,733  1,799,665  305,382  1,348,127  17,719  11,137,626  99  84,389
Individually evaluated for impairment42,951-12,78510,975  1,518  68,229  1  13,562
Purchased credit-impaired loans5,047--20,6121,76427,423-2,291
Total commercial loans$7,714,731  $1,799,665  $318,167  $1,379,714  $21,001  $11,233,278  100$100,242

Balances as of June 30, 2016 and 2015, presented net of $25.5 million and $26.2 million, respectively, in lower of cost or market (“LOCOM”) valuation adjustment. Based on the underlying structure of the notes, the highest possible internal grade is "13".

Loans by FICO Score, Consumer
The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of June 30, 2016 and 2015:
June 30, 2016June 30, 2015
HELOCR/E Installment LoansPermanent MortgageHELOCR/E Installment LoansPermanent Mortgage
FICO score greater than or equal to 74056.3%68.9%43.8%54.7%66.6%44.2%
FICO score 720-7398.68.810.99.28.59.3
FICO score 700-7199.06.89.39.07.49.0
FICO score 660-69913.09.017.613.29.616.9
FICO score 620-6596.23.79.66.43.98.6
FICO score less than 620 (a)6.92.88.87.54.012.0
Total100.0%100.0%100.0%100.0%100.0%100.0%

For this group, a majority of the FICO scores at the time of the origination exceeded 620 but have since deteriorated as the loans have seasoned.

Accruing And Non-Accruing Loans By Class
The following table reflects accruing and non-accruing loans by class on June 30, 2016:
Accruing  Non-Accruing  
  30-89  90+      30-89  90+  Total
DaysDaysTotalDaysDaysNon-Total
(Dollars in thousands)Current Past DuePast DueAccruingCurrent Past DuePast DueAccruingLoans
Commercial (C&I):                
General C&I$8,603,288  $3,415  $75  $8,606,778  $2,868  $2,366  $21,915  $27,149  $8,633,927
Loans to mortgage companies2,226,841  249  -  2,227,090  -  -  81  81  2,227,171
TRUPS (a)304,527  -  -  304,527  -  -  3,274  3,274  307,801
Purchased credit-impaired loans9,651  431  464  10,546  -  -  -  -  10,546
Total commercial (C&I)11,144,3074,09553911,148,9412,868  2,366  25,270  30,50411,179,445
Commercial real estate:                
Income CRE1,885,005  1,186  -  1,886,191  2,186  -  4,811  6,997  1,893,188
Residential CRE65,621  -  -  65,621  -  -  795  795  66,416
Purchased credit-impaired loans8,104  311  1,393  9,808  -  -  -  -  9,808
Total commercial real estate1,958,7301,497  1,3931,961,6202,186  -  5,6067,7921,969,412
Consumer real estate:                
HELOC1,792,492  18,345  7,927  1,818,764  59,310  5,318  9,826  74,454  1,893,218
R/E installment loans2,702,710  7,851  2,874  2,713,435  26,206  2,661  3,675  32,542  2,745,977
Purchased credit-impaired loans1,336  90  158  1,584  -  -  -  -  1,584
Total consumer real estate4,496,538  26,286  10,959  4,533,783  85,516  7,979  13,501  106,996  4,640,779
Permanent mortgage398,712  3,719  6,003  408,434  12,985  3,518  14,077  30,580  439,014
Credit card & other:                
Credit card189,555  2,116  1,094  192,765  -  -  -  -  192,765
Other166,052  838  251  167,141  -  -  725  725  167,866
Purchased credit-impaired loans56--56----56
Total credit card & other355,663  2,954  1,345  359,962  -  -  725  725  360,687
Total loans, net of unearned income$18,353,950  $38,551  $20,239  $18,412,740  $103,555  $13,863  $59,179  $176,597  $18,589,337

Total TRUPS includes LOCOM valuation adjustment of $25.5 million.

The following table reflects accruing and non-accruing loans by class on June 30, 2015:
Accruing  Non-Accruing  
30-8990+30-8990+Total 
   Days  Days  Total     Days  Days  Non-  Total
(Dollars in thousands) CurrentPast DuePast DueAccruingCurrentPast DuePast DueAccruingLoans
Commercial (C&I):
General C&I$7,673,986  $4,830  $199  $7,679,015  $13,781  $2,536  $14,352  $30,669  $7,709,684
Loans to mortgage companies1,797,877  1,669  -  1,799,546  -  -  119  119  1,799,665
TRUPS (a)305,382  -  -  305,382  -  -  12,785  12,785  318,167
Purchased credit-impaired loans4,153  201  693  5,047  -  -  -  -  5,047
Total commercial (C&I)9,781,3986,7008929,788,99013,781  2,536  27,256  43,5739,832,563
Commercial real estate:                
Income CRE1,344,440  2,916  -  1,347,356  1,285  2,041  8,420  11,746  1,359,102
Residential CRE19,114  123  -  19,237  -  -  -  -  19,237
Purchased credit-impaired loans22,238  -  138  22,376  -  -  -  -  22,376
Total commercial real estate1,385,7923,039  1381,388,9691,285  2,041  8,42011,7461,400,715
Consumer real estate:                
HELOC 2,150,344  22,240  9,785  2,182,369  65,345  5,243  9,543  80,131  2,262,500
R/E installment loans2,557,513  9,172  4,272  2,570,957  27,294  1,873  5,227  34,394  2,605,351
Purchased credit-impaired loans2,012  4  404  2,420  -  -  -  -  2,420
Total consumer real estate4,709,869  31,416  14,461  4,755,746  92,639  7,116  14,770  114,525  4,870,271
Permanent mortgage444,187  5,450  5,569  455,206  15,495  1,981  14,997  32,473  487,679
Credit card & other:                
Credit card182,477  1,446  1,284  185,207  -  -  -  -  185,207
Other158,530  873  177  159,580  -  -  749  749  160,329
Purchased credit-impaired loans8--8----8
Total credit card & other341,015  2,319  1,461  344,795  -  -  749  749  345,544
Total loans, net of unearned income$16,662,261  $48,924  $22,521  $16,733,706  $123,200  $13,674  $66,192  $203,066  $16,936,772

Total TRUPS includes LOCOM valuation adjustment 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 and six months ended June 30, 2016 and 2015:
Three Months Ended June 30, 2016Six Months Ended June 30, 2016
  Pre-Modification  Post-ModificationPre-ModificationPost-Modification
OutstandingOutstandingOutstandingOutstanding
(Dollars in thousands) NumberRecorded InvestmentRecorded InvestmentNumberRecorded InvestmentRecorded Investment
Commercial (C&I):        
General C&I4  $19,175  $18,0675  $19,883  $18,775
Total commercial (C&I)4  19,175  18,0675  19,883  18,775
Consumer real estate:        
HELOC 53  5,258  5,246152  12,698  12,616
R/E installment loans19  3,326  3,61434  4,224  4,509
Total consumer real estate72  8,584  8,860186  16,922  17,125
Permanent mortgage 4  841  8404  841  840
Credit card & other1  2  2521  20
Total troubled debt restructurings81  $28,602  $27,769200  $37,667  $36,760

Three Months Ended June 30, 2015Six Months Ended June 30, 2015
  Pre-Modification  Post-ModificationPre-ModificationPost-Modification
OutstandingOutstandingOutstandingOutstanding
(Dollars in thousands) NumberRecorded InvestmentRecorded InvestmentNumberRecorded InvestmentRecorded Investment
Commercial (C&I):        
General C&I-  $-  $-2  $1,388  $1,325
Total commercial (C&I)-  -  -2  1,388  1,325
Consumer real estate:        
HELOC65  7,237  7,147102  10,964  10,854
R/E installment loans22  1,912  1,91638  3,266  3,293
Total consumer real estate87  9,149  9,063140  14,230  14,147
Permanent mortgage4  1,718  1,7336  2,039  2,054
Credit card & other6  20  1912  48  46
Total troubled debt restructurings97  $10,887  $10,815160  $17,705  $17,572
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, 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.
Three Months EndedSix Months Ended
June 30, 2016June 30, 2016
  RecordedRecorded
(Dollars in thousands)NumberInvestmentNumberInvestment
Commercial real estate:    
Residential CRE-  $-  -  $-
Total commercial real estate-  -  -  -
Consumer real estate:    
HELOC1  102  2  138
R/E installment loans1  180  1  180
Total consumer real estate2  282  3  318
Credit card & other-  -  -  -
Total troubled debt restructurings2  $282  3  $318

Three Months EndedSix Months Ended
June 30, 2015June 30, 2015
  RecordedRecorded
(Dollars in thousands)NumberInvestmentNumberInvestment
Commercial real estate:    
Residential CRE1  $896  1  $896
Total commercial real estate1  896  1  896
Consumer real estate:    
HELOC6  278  7  308
R/E installment loans1  26  2  112
Total consumer real estate7  304  9  420
Credit card & other2  53  8
Total troubled debt restructurings10  $1,205  13  $1,324