Loans (Tables)

9 Months Ended

Sep. 30, 2012

Loans

	September 30, 2012			Percentage of Total			December 31, 2011			Percentage of Total			September 30, 2011			Percentage of Total
Commercial and industrial:
Commercial	$	4,055,807			46.0	%	$	3,553,989			44.5	%	$	3,571,807			44.2	%
Leases		247,210			2.8			193,412			2.4			184,614			2.3
Asset-based		183,284			2.1			169,466			2.1			175,120			2.1
Total commercial and industrial		4,486,301			50.9			3,916,867			49.0			3,931,541			48.6
Commercial real estate:
Commercial mortgages		2,455,488			27.9			2,383,479			29.8			2,370,871			29.3
Construction		584,207			6.6			434,870			5.5			508,182			6.3
Land		210,440			2.4			202,478			2.5			214,436			2.6
Total commercial real estate		3,250,135			36.9			3,020,827			37.8			3,093,489			38.2
Consumer real estate:
Home equity loans		295,735			3.4			282,244			3.5			277,284			3.4
Home equity lines of credit		188,993			2.1			191,960			2.4			190,958			2.4
1-4 family residential mortgages		39,836			0.4			45,943			0.6			47,455			0.6
Construction		18,057			0.2			17,544			0.2			17,965			0.2
Other		225,861			2.6			225,118			2.8			233,053			2.9
Total consumer real estate		768,482			8.7			762,809			9.5			766,715			9.5
Total real estate		4,018,617			45.6			3,783,636			47.3			3,860,204			47.7
Consumer and other:
Consumer installment		311,898			3.5			301,518			3.8			299,417			3.7
Other		13,694			0.2			11,018			0.1			14,926			0.2
Total consumer and other		325,592			3.7			312,536			3.9			314,343			3.9
Unearned discounts		(19,470	)		(0.2	)		(17,910	)		(0.2	)		(16,511	)		(0.2	)
Total loans	$	8,811,040			100.0	%	$	7,995,129			100.0	%	$	8,089,577			100.0	%

Non-Accrual Loans, Segregated By Class Of Loans

	September 30, 2012		December 31, 2011		September 30, 2011
Commercial and industrial:
Energy	$	—	$	—	$	—
Other commercial		52,819		43,874		58,208
Commercial real estate:
Buildings, land and other		48,674		43,820		45,333
Construction		1,144		1,329		1,821
Consumer real estate		3,069		4,587		4,060
Consumer and other		701		728		756
Total	$	106,407	$	94,338	$	110,178

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	$	63	$	—	$	63	$	1,130,840		$	1,130,903		$	—
Other commercial		16,378		17,792		34,170		3,321,228			3,355,398			5,793
Commercial real estate:
Buildings, land and other		14,668		11,547		26,215		2,639,713			2,665,928			400
Construction		467		—		467		583,740			584,207			—
Consumer real estate		7,458		3,162		10,620		757,862			768,482			1,720
Consumer and other		4,147		579		4,726		320,866			325,592			537
Unearned discounts		—		—		—		(19,470	)		(19,470	)		—
Total	$	43,181	$	33,080	$	76,261	$	8,734,779		$	8,811,040		$	8,450

Impaired Loans

	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average  Recorded Investment
											Quarter To Date		Year To Date
September 30, 2012
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial		61,081		37,231		11,845		49,076		4,059		44,140		43,087
Commercial real estate:
Buildings, land and other		54,690		39,691		6,401		46,092		823		42,569		41,283
Construction		1,515		1,144		—		1,144		—		1,671		1,465
Consumer real estate		974		894		—		894		—		1,087		1,805
Consumer and other		443		420		—		420		—		430		487
Total	$	118,703	$	79,380	$	18,246	$	97,626	$	4,882	$	89,897	$	88,127
December 31, 2011
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial		57,723		34,712		4,619		39,331		2,696		46,151		53,830
Commercial real estate:
Buildings, land and other		51,163		38,686		2,243		40,929		1,113		41,522		48,635
Construction		1,568		1,281		—		1,281		—		1,527		4,339
Consumer real estate		2,499		1,719		751		2,470		95		2,484		1,845
Consumer and other		562		554		—		554		—		561		265
Total	$	113,515	$	76,952	$	7,613	$	84,565	$	3,904	$	92,245	$	108,914
September 30, 2011
Commercial and industrial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial		79,327		42,583		10,387		52,970		6,883		60,696		57,455
Commercial real estate:
Buildings, land and other		52,193		34,267		7,848		42,115		1,283		44,453		50,562
Construction		2,162		1,773		—		1,773		—		2,265		5,104
Consumer real estate		2,510		2,498		—		2,498		—		2,227		1,689
Consumer and other		568		568		—		568		—		335		193
Total	$	136,760	$	81,689	$	18,235	$	99,924	$	8,166	$	109,976	$	115,003

Weighted Average Risk Grades For All Commercial Loans By Class

	September 30, 2012				December 31, 2011				September 30, 2011
	Weighted Average Risk Grade		Loans		Weighted Average Risk Grade		Loans		Weighted Average Risk Grade		Loans
Commercial and industrial:
Energy
Risk grades 1-8		5.36	$	1,128,700		5.21	$	868,561		5.18	$	912,728
Risk grade 9		9.00		2,203		9.00		2,025		9.00		1,419
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		—
Risk grade 13		13.00		—		13.00		—		13.00		—
Total energy		5.37	$	1,130,903		5.22	$	870,586		5.19	$	914,147
Other commercial
Risk grades 1-8		6.05	$	3,110,022		6.20	$	2,802,037		6.20	$	2,687,564
Risk grade 9		9.00		83,799		9.00		55,105		9.00		94,687
Risk grade 10		10.00		44,530		10.00		49,982		10.00		52,753
Risk grade 11		11.00		61,845		11.00		96,046		11.00		124,603
Risk grade 12		12.00		50,670		12.00		39,826		12.00		47,875
Risk grade 13		13.00		4,532		13.00		3,285		13.00		9,912
Total other commercial		6.37	$	3,355,398		6.55	$	3,046,281		6.67	$	3,017,394
Commercial real estate:
Buildings, land and other
Risk grades 1-8		6.64	$	2,397,984		6.69	$	2,266,576		6.65	$	2,259,305
Risk grade 9		9.00		102,689		9.00		103,894		9.00		91,035
Risk grade 10		10.00		31,755		10.00		45,278		10.00		72,975
Risk grade 11		11.00		83,818		11.00		126,594		11.00		116,659
Risk grade 12		12.00		48,859		12.00		41,747		12.00		42,391
Risk grade 13		13.00		823		13.00		1,868		13.00		2,942
Total commercial real estate		7.01	$	2,665,928		7.14	$	2,585,957		7.12	$	2,585,307
Construction
Risk grades 1-8		6.92	$	548,019		6.95	$	378,530		6.98	$	439,502
Risk grade 9		9.00		31,366		9.00		30,376		9.00		30,358
Risk grade 10		10.00		1,754		10.00		16,186		10.00		28,255
Risk grade 11		11.00		1,924		11.00		8,449		11.00		8,246
Risk grade 12		12.00		1,144		12.00		1,329		12.00		1,821
Risk grade 13		13.00		—		13.00		—		13.00		—
Total construction		7.06	$	584,207		7.30	$	434,870		7.35	$	508,182

Net (charge-offs)/recoveries, segregated by class of loans

	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
Commercial and industrial:
Energy	$	—		$	1		$	4		$	5
Other commercial		(4,656	)		(13,602	)		(9,511	)		(25,154	)
Commercial real estate:
Buildings, land and other		2,678			(1,162	)		811			(8,689	)
Construction		14			(121	)		36			(473	)
Consumer real estate		(156	)		(750	)		(441	)		(1,642	)
Consumer and other		(627	)		(684	)		(1,600	)		(2,375	)
Total	$	(2,747	)	$	(16,318	)	$	(10,701	)	$	(38,328	)

Unallocated Portion Of The Allowance For Loan Losses

	Commercial and Industrial			Commercial Real Estate			Consumer Real Estate			Consumer and Other			Unallocated			Total
September 30, 2012
Historical valuation allowances	$	30,785		$	15,455		$	3,010		$	7,479		$	—		$	56,729
Specific valuation allowances		4,059			823			—			—			—			4,882
General valuation allowances:
Environmental risk adjustment		6,018			3,722			702			1,924			—			12,366
Distressed industries		4,998			1,173			—			—			—			6,171
Excessive industry concentrations		3,469			3,229			—			—			—			6,698
Large relationship concentrations		1,419			1,030			—			—			—			2,449
Highly-leveraged credit relationships		3,656			1,055			—			—			—			4,711
Policy exceptions		—			—			—			—			2,319			2,319
Credit and collateral exceptions		—			—			—			—			1,582			1,582
Loans not reviewed by concurrence		2,235			2,446			2,370			1,183			—			8,234
Adjustment for recoveries		(5,097	)		(1,292	)		(688	)		(6,684	)		—			(13,761	)
General macroeconomic risk		—			—			—			—			13,021			13,021
Total	$	51,542		$	27,641		$	5,394		$	3,902		$	16,922		$	105,401
December 31, 2011
Historical valuation allowances	$	30,368		$	15,153		$	2,742		$	9,876		$	—		$	58,139
Specific valuation allowances		2,696			1,113			95			—			—			3,904
General valuation allowances:
Environmental risk adjustment		5,656			3,724			703			2,759			—			12,842
Distressed industries		4,054			922			—			—			—			4,976
Excessive industry concentrations		—			—			—			—			6,995			6,995
Large relationship concentrations		—			—			—			—			2,232			2,232
Highly-leveraged credit relationships		—			—			—			—			3,530			3,530
Policy exceptions		—			—			—			—			2,121			2,121
Credit and collateral exceptions		—			—			—			—			1,603			1,603
Loans not reviewed by concurrence		—			—			—			—			9,030			9,030
Adjustment for recoveries		—			—			—			—			(13,071	)		(13,071	)
General macroeconomic risk		—			—			—			—			17,846			17,846
Total	$	42,774		$	20,912		$	3,540		$	12,635		$	30,286		$	110,147

Activity In The Allowance For Loan Losses By Portfolio Segment

	Commercial and Industrial			Commercial Real Estate			Consumer Real Estate			Consumer and Other			Unallocated			Total
Three months ended:
September 30, 2012
Beginning balance	$	53,475		$	27,631		$	5,235		$	3,649		$	15,658		$	105,648
Provision for loan losses		2,723			(2,682	)		315			880			1,264			2,500
Charge-offs		(5,837	)		(520	)		(209	)		(2,391	)		—			(8,957	)
Recoveries		1,181			3,212			53			1,764			—			6,210
Net (charge-offs) recoveries		(4,656	)		2,692			(156	)		(627	)		—			(2,747	)
Ending balance	$	51,542		$	27,641		$	5,394		$	3,902		$	16,922		$	105,401
September 30, 2011
Beginning balance	$	56,566		$	20,901		$	3,683		$	12,611		$	28,980		$	122,741
Provision for loan losses		3,920			1,194			513			880			2,503			9,010
Charge-offs		(15,084	)		(1,689	)		(834	)		(2,359	)		—			(19,966	)
Recoveries		1,483			406			84			1,675			—			3,648
Net charge-offs		(13,601	)		(1,283	)		(750	)		(684	)		—			(16,318	)
Ending balance	$	46,885		$	20,812		$	3,446		$	12,807		$	31,483		$	115,433
Nine months ended:
September 30, 2012
Beginning balance	$	42,774		$	20,912		$	3,540		$	12,635		$	30,286		$	110,147
Provision for loan losses		18,275			5,882			2,295			(7,133	)		(13,364	)		5,955
Charge-offs		(13,323	)		(3,715	)		(1,104	)		(6,605	)		—			(24,747	)
Recoveries		3,816			4,562			663			5,005			—			14,046
Net (charge-offs) recoveries		(9,507	)		847			(441	)		(1,600	)		—			(10,701	)
Ending balance	$	51,542		$	27,641		$	5,394		$	3,902		$	16,922		$	105,401
September 30, 2011
Beginning balance	$	57,789		$	28,534		$	3,223		$	11,974		$	24,796		$	126,316
Provision for loan losses		14,245			1,440			1,865			3,208			6,687			27,445
Charge-offs		(28,258	)		(10,261	)		(2,113	)		(7,058	)		—			(47,690	)
Recoveries		3,109			1,099			471			4,683			—			9,362
Net charge-offs		(25,149	)		(9,162	)		(1,642	)		(2,375	)		—			(38,328	)
Ending balance	$	46,885		$	20,812		$	3,446		$	12,807		$	31,483		$	115,433

Allowance for Loan Losses Disaggregated on the Basis of Impairment Methodology

	Commercial and Industrial		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Unallocated		Total
September 30, 2012
Loans individually evaluated for impairment	$	14,301	$	2,149	$	—	$	—	$	—	$	16,450
Loans collectively evaluated for impairment		37,241		25,492		5,394		3,902		16,922		88,951
Balance at September 30, 2012	$	51,542	$	27,641	$	5,394	$	3,902	$	16,922	$	105,401
December 31, 2011
Loans individually evaluated for impairment	$	15,829	$	3,625	$	95	$	—	$	—	$	19,549
Loans collectively evaluated for impairment		26,945		17,287		3,445		12,635		30,286		90,598
Balance at December 31, 2011	$	42,774	$	20,912	$	3,540	$	12,635	$	30,286	$	110,147
September 30, 2011
Loans individually evaluated for impairment	$	23,263	$	4,075	$	—	$	—	$	—	$	27,338
Loans collectively evaluated for impairment		23,622		16,737		3,446		12,807		31,483		88,095
Balance at September 30, 2011	$	46,885	$	20,812	$	3,446	$	12,807	$	31,483	$	115,433

Investment In Loans Related To The Allowance For Loan Losses By Portfolio Segment Disaggregated Based On Impairment Methodology

	Commercial and Industrial		Commercial Real Estate		Consumer Real Estate		Consumer and Other		Unearned Discounts			Total
September 30, 2012
Loans individually evaluated for impairment	$	161,577	$	170,077	$	894	$	420	$	—		$	332,968
Loans collectively evaluated for impairment		4,324,724		3,080,058		767,588		325,172		(19,470	)		8,478,072
Ending balance	$	4,486,301	$	3,250,135	$	768,482	$	325,592	$	(19,470	)	$	8,811,040
December 31, 2011
Loans individually evaluated for impairment	$	189,139	$	241,451	$	2,470	$	554	$	—		$	433,614
Loans collectively evaluated for impairment		3,727,728		2,779,376		760,339		311,982		(17,910	)		7,561,515
Ending balance	$	3,916,867	$	3,020,827	$	762,809	$	312,536	$	(17,910	)	$	7,995,129
September 30, 2011
Loans individually evaluated for impairment	$	235,143	$	273,289	$	—	$	—	$	—		$	508,432
Loans collectively evaluated for impairment		3,696,398		2,820,200		766,715		314,343		(16,511	)		7,581,145
Ending balance	$	3,931,541	$	3,093,489	$	766,715	$	314,343	$	(16,511	)	$	8,089,577