Loans (Tables)

3 Months Ended

6 Months Ended

Jun. 30, 2011

Jun. 30, 2011

Loans

Loans

	June 30, 2011			Percentage of Total			December 31, 2010			Percentage of Total			June 30, 2010			Percentage of Total
Commercial and industrial:
Commercial	$	3,510,738			43.5	%	$	3,479,349			42.9	%	$	3,368,349			41.8	%
Leases		184,991			2.3			186,443			2.3			193,107			2.4
Asset-based		146,421			1.8			122,866			1.5			128,616			1.6
Total commercial and industrial		3,842,150			47.6			3,788,658			46.7			3,690,072			45.8
Commercial real estate:
Commercial mortgages		2,403,350			29.8			2,374,542			29.3			2,377,162			29.5
Construction		533,132			6.6			593,273			7.3			585,668			7.3
Land		220,617			2.7			234,952			2.9			231,768			2.9
Total commercial real estate		3,157,099			39.1			3,202,767			39.5			3,194,598			39.7
Consumer real estate:
Home equity loans		276,869			3.4			275,806			3.4			274,129			3.4
Home equity lines of credit		189,356			2.4			186,465			2.3			175,753			2.1
1-4 family residential mortgages		49,849			0.6			57,877			0.7			63,220			0.8
Construction		17,952			0.2			23,565			0.3			28,175			0.3
Other		239,043			3.0			254,551			3.1			270,677			3.4
Total consumer real estate		773,069			9.6			798,264			9.8			811,954			10.0
Total real estate		3,930,168			48.7			4,001,031			49.3			4,006,552			49.7
Consumer and other:
Consumer installment		298,327			3.7			319,384			3.9			340,719			4.2
Other		15,978			0.2			28,234			0.4			50,411			0.6
Total consumer and other		314,305			3.9			347,618			4.3			391,130			4.8
Unearned discounts		(18,411	)		(0.2	)		(20,287	)		(0.3	)		(22,075	)		(0.3	)
Total loans	$	8,068,212			100.0	%	$	8,117,020			100.0	%	$	8,065,679			100.0	%

Non-Accrual Loans, Segregated by Class of Loans

	June 30, 2011		December 31, 2010		June 30, 2010
Commercial and industrial:
Energy	$	—	$	—	$	1,430
Other commercial		73,686		60,408		58,072
Commercial real estate:
Buildings, land and other		49,787		64,213		63,577
Construction		2,942		9,299		7,821
Consumer real estate		3,683		2,758		3,005
Consumer and other		430		462		619
Total	$	130,528	$	137,140	$	134,524

Age Analysis of Past Due Loans, Segregated by Class of Loans

	Loans 30-89  Days Past Due		Loans 90 or  More Days Past Due		Total Past Due Loans		Current Loans			Total Loans			Accruing Loans 90  or More Days Past Due
Commercial and industrial:
Energy	$	133	$	—	$	133	$	802,199		$	802,332		$	—
Other commercial		25,173		40,229		65,402		2,974,416			3,039,818			5,548
Commercial real estate:
Buildings, land and other		26,089		25,826		51,915		2,572,052			2,623,967			2,688
Construction		2,581		3,431		6,012		527,120			533,132			1,511
Consumer real estate		6,523		5,481		12,004		761,065			773,069			3,173
Consumer and other		1,868		217		2,085		312,220			314,305			72
Unearned discounts		—		—		—		(18,411	)		(18,411	)		—
Total	$	62,367	$	75,184	$	137,551	$	7,930,661		$	8,068,212		$	12,992

Impaired Loans

	Unpaid		Recorded		Recorded						Average Recorded
	Contractual		Investment		Investment		Total				Investment
	Principal		With No		With		Recorded		Related		Quarter		Year
	Balance		Allowance		Allowance		Investment		Allowance		To Date		To Date
June 30, 2011
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial		82,311		48,401		20,021		68,422		16,983		60,705		58,950
Commercial real estate:
Buildings, land and other		57,117		40,937		5,854		46,791		1,316		49,164		53,377
Construction		3,181		2,756		—		2,756		—		4,672		6,214
Consumer real estate		1,956		1,540		416		1,956		100		1,871		1,420
Consumer and other		102		101		—		101		—		101		67
Total	$	144,667	$	93,735	$	26,291	$	120,026	$	18,399	$	116,513	$	120,028
December 31, 2010
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	1,012
Other commercial		73,518		40,901		14,541		55,442		9,137		57,563		61,076
Commercial real estate:
Buildings, land and other		72,099		50,551		11,254		61,805		4,076		62,231		59,179
Construction		9,834		8,553		747		9,300		300		9,715		8,132
Consumer real estate		517		517		—		517		—		655		960
Consumer and other		—		—		—		—		—		79		393
Total	$	155,968	$	100,522	$	26,542	$	127,064	$	13,513	$	130,242	$	130,752
June 30, 2010
Commercial and industrial:
Energy	$	1,500	$	—	$	1,430	$	1,430	$	750	$	1,997	$	1,686
Other commercial		65,060		18,148		34,314		52,462		15,336		58,238		63,418
Commercial real estate:
Buildings, land and other		72,100		37,902		24,033		61,935		3,644		59,467		57,145
Construction		8,017		6,005		1,675		7,680		631		7,307		7,076
Consumer real estate		976		976		—		976		—		1,118		1,164
Consumer and other		270		270		—		270		—		763		603
Total	$	147,923	$	63,301	$	61,452	$	124,753	$	20,361	$	128,890	$	131,092

Weighted Average Risk Grades for Loans and Classified Loan Amounts

	June 30, 2011				December 31, 2010				June 30, 2010
	Weighted				Weighted				Weighted
	Average				Average				Average
	Risk Grade		Loans		Risk Grade		Loans		Risk Grade		Loans
Commercial and industrial:
Energy
Risk grades 1-8		5.36	$	800,855		5.27	$	786,664		5.16	$	689,847
Risk grade 9		9.00		1,477		9.00		20,224		9.00		56,173
Risk grade 10		10.00		—		10.00		—		10.00		—
Risk grade 11		11.00		—		11.00		—		11.00		—
Risk grade 12		12.00		—		12.00		—		12.00		1,430
Risk grade 13		13.00		—		13.00		—		13.00		—
Total energy		5.37	$	802,332		5.36	$	806,888		5.46	$	747,450
Other commercial
Risk grades 1-8		6.17	$	2,648,041		6.16	$	2,572,011		6.24	$	2,458,563
Risk grade 9		9.00		146,112		9.00		95,278		9.00		129,347
Risk grade 10		10.00		51,458		10.00		116,158		10.00		117,557
Risk grade 11		11.00		119,946		11.00		137,923		11.00		181,195
Risk grade 12		12.00		52,428		12.00		48,216		12.00		37,499
Risk grade 13		13.00		21,833		13.00		12,184		13.00		18,461
Total other commercial		6.71	$	3,039,818		6.75	$	2,981,770		6.92	$	2,942,622
Commercial real estate:
Buildings, land and other
Risk grades 1-8		6.68	$	2,282,540		6.71	$	2,189,602		6.74	$	2,185,007
Risk grade 9		9.00		113,400		9.00		137,314		9.00		106,194
Risk grade 10		10.00		73,031		10.00		91,962		10.00		130,670
Risk grade 11		11.00		105,209		11.00		126,403		11.00		111,954
Risk grade 12		12.00		47,484		12.00		54,366		12.00		66,774
Risk grade 13		13.00		2,303		13.00		9,847		13.00		8,331
Total commercial real estate		7.15	$	2,623,967		7.29	$	2,609,494		7.34	$	2,608,930
Construction
Risk grades 1-8		7.04	$	455,036		7.10	$	485,455		7.17	$	486,339
Risk grade 9		9.00		26,637		9.00		52,817		9.00		32,454
Risk grade 10		10.00		34,332		10.00		32,055		10.00		28,892
Risk grade 11		11.00		14,185		11.00		13,646		11.00		30,161
Risk grade 12		12.00		2,942		12.00		9,300		12.00		7,568
Risk grade 13		13.00		—		13.00		—		13.00		254
Total construction		7.46	$	533,132		7.59	$	593,273		7.67	$	585,668

Net (Charge-Offs)/Recoveries, Segregated by Class of Loans

	Three Months Ended June 30,						Six Months Ended June 30,
	2011			2010			2011			2010
Commercial and industrial:
Energy	$	2		$	—		$	4		$	—
Other commercial		(4,720	)		(5,606	)		(11,552	)		(14,239	)
Commercial real estate:
Buildings, land and other		(4,362	)		(612	)		(7,527	)		(3,892	)
Construction		(196	)		(456	)		(352	)		(542	)
Consumer real estate		(362	)		(583	)		(892	)		(946	)
Consumer and other		(927	)		(1,320	)		(1,691	)		(2,469	)
Total	$	(10,565	)	$	(8,577	)	$	(22,010	)	$	(22,088	)

Unallocated Portion of the Allowance for Loan Losses

	June 30,			December 31,		June 30,
	2011			2010		2010
Excessive industry concentrations	$	2,054		$	1,720	$	1,940
Large relationship concentrations		2,170			2,127		1,557
Highly-leveraged credit relationships		3,249			—		—
Policy exceptions		2,180			2,414		2,635
Credit and collateral exceptions		1,800			557		953
Loans not reviewed by concurrence		9,196			—		—
Adjustment for recoveries		(11,393	)		—		—
General macroeconomic risk		19,724			17,978		605
	$	28,980		$	24,796	$	7,690

Activity in the Allowance for Loan Losses

	Commercial
	and			Commercial			Consumer			Consumer
	Industrial			Real Estate			Real Estate			and Other			Unallocated			Total
Three months ended:
June 30, 2011
Beginning balance	$	52,800		$	24,551		$	3,485		$	12,941		$	30,544		$	124,321
Provision for loan losses		8,484			908			560			597			(1,564	)		8,985
Charge-offs		(5,576	)		(4,694	)		(459	)		(2,397	)		—			(13,126	)
Recoveries		858			136			97			1,470			—			2,561
Net charge-offs		(4,718	)		(4,558	)		(362	)		(927	)		—			(10,565	)
Ending balance	$	56,566		$	20,901		$	3,683		$	12,611		$	28,980		$	122,741
June 30, 2010
Beginning balance	$	63,576		$	30,259		$	2,430		$	19,689		$	9,415		$	125,369
Provision for loan losses		7,323			2,038			620			394			(1,725	)		8,650
Charge-offs		(6,328	)		(1,657	)		(686	)		(2,750	)		—			(11,421	)
Recoveries		722			589			103			1,430			—			2,844
Net charge-offs		(5,606	)		(1,068	)		(583	)		(1,320	)		—			(8,577	)
Ending balance	$	65,293		$	31,229		$	2,467		$	18,763		$	7,690		$	125,442

	Commercial
	and			Commercial			Consumer			Consumer
	Industrial			Real Estate			Real Estate			and Other			Unallocated			Total
Six months ended:
June 30, 2011
Beginning balance	$	57,789		$	28,534		$	3,223		$	11,974		$	24,796		$	126,316
Provision for loan losses		10,325			246			1,352			2,328			4,184			18,435
Charge-offs		(13,173	)		(8,572	)		(1,279	)		(4,699	)		—			(27,723	)
Recoveries		1,625			693			387			3,008			—			5,713
Net charge-offs		(11,548	)		(7,879	)		(892	)		(1,691	)		—			(22,010	)
Ending balance	$	56,566		$	20,901		$	3,683		$	12,611		$	28,980		$	122,741
June 30, 2010
Beginning balance	$	57,394		$	28,514		$	2,560		$	16,929		$	19,912		$	125,309
Provision for loan losses		22,138			7,149			853			4,303			(12,222	)		22,221
Charge-offs		(15,502	)		(5,071	)		(1,061	)		(5,593	)		—			(27,227	)
Recoveries		1,263			637			115			3,124			—			5,139
Net charge-offs		(14,239	)		(4,434	)		(946	)		(2,469	)		—			(22,088	)
Ending balance	$	65,293		$	31,229		$	2,467		$	18,763		$	7,690		$	125,442

Allowance for Loan Losses Disaggregated on the Basis of Impairment Methodology

	Commercial
	and		Commercial		Consumer		Consumer
	Industrial		Real Estate		Real Estate		and Other		Unallocated		Total
June 30, 2011
Loans individually evaluated for impairment	$	32,981	$	4,089	$	100	$	—	$	—	$	37,170
Loans collectively evaluated for impairment		23,585		16,812		3,583		12,611		28,980		85,571
Balance at June 30, 2011	$	56,566	$	20,901	$	3,683	$	12,611	$	28,980	$	122,741
June 30, 2010
Loans individually evaluated for impairment	$	44,283	$	10,473	$	—	$	—	$	—	$	54,756
Loans collectively evaluated for impairment		21,010		20,756		2,467		18,763		7,690		70,686
Balance at June 30, 2010	$	65,293	$	31,229	$	2,467	$	18,763	$	7,690	$	125,442

Investment in Loans Related to the Allowance for Loan Losses

	Commercial
	and		Commercial		Consumer		Consumer		Unearned
	Industrial		Real Estate		Real Estate		and Other		Discounts			Total
June 30, 2011
Loans individually evaluated for impairment	$	245,665	$	279,486	$	416	$	—	$	—		$	525,567
Loans collectively evaluated for impairment		3,596,485		2,877,613		772,653		314,305		(18,411	)		7,542,645
Ending balance	$	3,842,150	$	3,157,099	$	773,069	$	314,305	$	(18,411	)	$	8,068,212
December 31, 2010
Loans individually evaluated for impairment	$	314,482	$	337,578	$	—	$	—	$	—		$	652,060
Loans collectively evaluated for impairment		3,474,176		2,865,189		798,264		347,618		(20,287	)		7,464,960
Ending balance	$	3,788,658	$	3,202,767	$	798,264	$	347,618	$	(20,287	)	$	8,117,020
June 30, 2010
Loans individually evaluated for impairment	$	339,000	$	373,798	$	—	$	—	$	—		$	712,798
Loans collectively evaluated for impairment		3,351,072		2,820,800		811,954		391,130		(22,075	)		7,352,881
Ending balance	$	3,690,072	$	3,194,598	$	811,954	$	391,130	$	(22,075	)	$	8,065,679