Loans and Leases and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2011

Loans / Leases and Allowance for Credit Losses [Abstract]

Loan and Lease Portfolio

The following table provides a detail listing of Huntington's loan and lease portfolio at September 30, 2011, December 31, 2010, and September 30, 2010:

				September 30,		December 31,		September 30,
(dollar amounts in thousands)				2011		2010		2010
Loans and leases:
		Commercial and industrial	$	13,938,885	$	13,063,293	$	12,424,529
		Commercial real estate		5,934,444		6,651,156		6,912,573
		Automobile		5,558,415		5,614,711		5,385,196
		Home equity		8,078,887		7,713,154		7,689,420
		Residential mortgage		4,986,023		4,500,366		4,511,272
		Other consumer		515,240		563,827		577,597
	Loans and leases			39,011,894		38,106,507		37,500,587
	Allowance for loan and lease losses			(1,019,710)		(1,249,008)		(1,336,352)
Net loans and leases			$	37,992,184	$	36,857,499	$	36,164,235

Loan Purchases and Sales

The following table summarizes significant portfolio loan purchase and sale activity for the nine-month period ended September 30, 2011:

		Commercial		Commercial				Home		Residential		Other
		and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)
Portfolio loans purchased during the:
	Three-month period ended September 30, 2011	$	---	$	---	$	59,578(1)	$	---	$	---	$	---	$	59,578
	Nine-month period ended September 30, 2011		---		---		59,578(1)		---		---		---		59,578
Portfolio loans sold or transferred to loans held for sale during the:
	Three-month period ended September 30, 2011		48,530		---		1,000,033		---		---		---		1,048,563
	Nine-month period ended September 30, 2011		204,012		56,123		1,000,033		---		170,757		---		1,430,925
(1)	Reflected the purchase of $59.6 million of automobile loans as a result of exercising a clean-up call option related to loans previously sold under Huntington's automobile loan sale program.

NALs and Past Due Loans

The following table presentsNALs by loan class:

			2011		2010
(dollar amounts in thousands)			September 30,		December 31,
Commercial and industrial:
	Owner occupied	$	98,998	$	138,822
	Other commercial and industrial		110,634		207,898
Total commercial and industrial			209,632		346,720
Commercial real estate:
	Retail properties		51,342		96,644
	Multi family		38,301		44,819
	Office		37,010		47,950
	Industrial and warehouse		49,102		39,770
	Other commercial real estate		81,331		134,509
Total commercial real estate			257,086		363,692
Automobile			---		---
Home equity:
	Secured by first-lien		17,771		10,658
	Secured by second-lien		19,385		11,868
Residential mortgage			61,129		45,010
Other consumer			---		---
Total nonaccrual loans		$	565,003	$	777,948

Aging analysis of loans and leases

The following table presents an aging analysis of loans and leases, including past due loans, by loan class: (1)

September 30, 2011
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing
Commercial and industrial:
	Owner occupied	$	16,165	$	7,883	$	63,265	$	87,313	$	3,890,718	$	3,978,031	$	---
	Other commercial and industrial		16,426		7,776		63,410		87,612		9,873,242		9,960,854		---
Total commercial and industrial		$	32,591	$	15,659	$	126,675	$	174,925	$	13,763,960	$	13,938,885	$	---
Commercial real estate:
	Retail properties	$	9,160	$	8,919	$	33,148	$	51,227	$	1,597,313	$	1,648,540	$	---
	Multi family		7,884		1,181		27,229		36,294		968,020		1,004,314		---
	Office		1,252		706		31,729		33,687		977,554		1,011,241		---
	Industrial and warehouse		2,775		1,175		25,384		29,334		704,663		733,997		---
	Other commercial real estate		12,862		13,166		59,853		85,881		1,450,471		1,536,352		---
Total commercial real estate		$	33,933	$	25,147	$	177,343	$	236,423	$	5,698,021	$	5,934,444	$	---
Automobile		$	38,866		9,699	$	5,722	$	54,287	$	5,504,128	$	5,558,415	$	5,722
Home equity:
	Secured by first-lien		20,043		8,972		27,333		56,348		3,532,416		3,588,764		9,561
	Secured by second-lien		29,642		15,108		30,243		74,993		4,415,130		4,490,123		10,859
Residential mortgage			144,074		46,791		172,435		363,300		4,622,723		4,986,023		117,263(2)
Other consumer			6,455		1,972		2,033		10,460		504,780		515,240		2,033
December 31, 2010
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing
Commercial and industrial:
	Owner occupied	$	16,393	$	9,084	$	80,114	$	105,591	$	3,717,872	$	3,823,463	$	---
	Other commercial and industrial		34,723		35,698		110,491		180,912		9,058,918		9,239,830		---
Total commercial and industrial		$	51,116	$	44,782	$	190,605	$	286,503	$	12,776,790	$	13,063,293	$	---
Commercial real estate:
	Retail properties	$	23,726	$	694	$	72,856	$	97,276	$	1,664,941	$	1,762,217	$	---
	Multi family		8,993		8,227		31,519		48,739		1,072,877		1,121,616		---
	Office		20,888		6,032		36,401		63,321		1,059,806		1,123,127		---
	Industrial and warehouse		4,073		7,782		13,006		24,861		828,091		852,952		---
	Other commercial real estate		45,792		9,243		91,718		146,753		1,644,491		1,791,244		---
Total commercial real estate		$	103,472	$	31,978	$	245,500	$	380,950	$	6,270,206	$	6,651,156	$	---
Automobile		$	47,981	$	12,246	$	7,721	$	67,948	$	5,546,763	$	5,614,711	$	7,721
Home equity:
	Secured by first-lien		14,810		8,166		18,630		41,606		2,999,146		3,040,752		7,972
	Secured by second-lien		36,488		16,551		27,392		80,431		4,591,971		4,672,402		15,525
Residential mortgage			115,290		57,580		197,280		370,150		4,130,216		4,500,366		152,271(3)
Other consumer			7,204		2,280		2,456		11,940		551,887		563,827		2,456
(1)	NALs are included in this aging analysis based on the loan's past due status.
(2)	Includes $84,413 thousand guaranteed by the U.S. government.
(3)	Includes $98,288 thousand guaranteed by the U.S. government.

ALLL and AULC activity by portfolio segment

The following table presents ALLL and AULC activity by portfolio segment for the three-month and nine-month periods ended September 30, 2011:

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)
Three-month period ended September 30, 2011:
	ALLL balance, beginning of period		$	281,016	$	463,874	$	55,428	$	146,444	$	98,992	$	25,372	$	1,071,126
		Loan charge-offs		(28,624)		(29,621)		(8,087)		(27,916)		(13,422)		(8,229)		(115,899)
		Recoveries of loans previously charged-off		10,733		5,181		4,224		1,694		1,860		1,652		25,344
		Provision for loan and lease losses		22,129		(20,539)		4,565		19,394		11,544		8,774		45,867
		Allowance for loans sold or transferred to loans held for sale		---		---		(6,728)		---		---		---		(6,728)
	ALLL balance, end of period		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710
	AULC balance, beginning of period		$	31,341	$	6,632	$	---	$	2,249	$	1	$	837	$	41,060
		Provision for unfunded loan commitments and letters of credit		(882)		(1,316)		---		(67)		---		(16)		(2,281)
	AULC balance, end of period		$	30,459	$	5,316	$	---	$	2,182	$	1	$	821	$	38,779
	ACL balance, end of period		$	315,713	$	424,211	$	49,402	$	141,798	$	98,975	$	28,390	$	1,058,489
Nine-month period ended September 30, 2011:
	ALLL balance, beginning of period		$	340,614	$	588,251	$	49,488	$	150,630	$	93,289	$	26,736	$	1,249,008
		Loan charge-offs		(110,590)		(146,991)		(24,939)		(83,598)		(53,773)		(23,716)		(443,607)
		Recoveries of loans previously charged-off		31,804		27,273		14,109		5,220		6,824		5,205		90,435
		Provision for loan and lease losses		23,426		(49,638)		17,472		67,364		54,148		19,344		132,116
		Allowance for loans sold or transferred to loans held for sale		---		---		(6,728)		---		(1,514)		---		(8,242)
	ALLL balance, end of period		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710
	AULC balance, beginning of period		$	32,726	$	6,158	$	---	$	2,348	$	1	$	894	$	42,127
		Provision for unfunded loan commitments and letters of credit		(2,267)		(842)		---		(166)		---		(73)		(3,348)
	AULC balance, end of period		$	30,459	$	5,316	$	---	$	2,182	$	1	$	821	$	38,779
	ACL balance, end of period		$	315,713	$	424,211	$	49,402	$	141,798	$	98,975	$	28,390	$	1,058,489

Loan and lease balances by credit quality indicator

The following table presents loan and lease balances by credit quality indicator:

		September 30, 2011
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,531,028	$	108,665	$	337,037	$	1,301	$	3,978,031
	Other commercial and industrial		9,318,615		204,594		432,760		4,885		9,960,854
Total commercial and industrial		$	12,849,643	$	313,259	$	769,797	$	6,186	$	13,938,885
Commercial real estate:
	Retail properties	$	1,303,839	$	133,512	$	211,189	$	-	$	1,648,540
	Multi family		849,886		52,630		101,548		250		1,004,314
	Office		849,981		91,098		70,034		128		1,011,241
	Industrial and warehouse		634,183		26,074		73,740		-		733,997
	Other commercial real estate		1,094,653		107,116		333,876		707		1,536,352
Total commercial real estate		$	4,732,542	$	410,430	$	790,387	$	1,085	$	5,934,444
		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,552,438	$	2,200,114	$	697,307	$	108,556	$	5,558,415
Home equity:
	Secured by first-lien		2,039,431		1,219,344		318,745		11,244		3,588,764
	Secured by second-lien		2,168,899		1,686,926		633,704		594		4,490,123
Residential mortgage			2,301,637		1,731,554		718,477		234,355		4,986,023
Other consumer			196,729		212,512		84,725		21,274		515,240
		December 31, 2010
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,265,266	$	159,398	$	392,969	$	5,830	$	3,823,463
	Other commercial and industrial		8,434,969		264,679		524,867		15,315		9,239,830
Total commercial and industrial		$	11,700,235	$	424,077	$	917,836	$	21,145	$	13,063,293
Commercial real estate:
	Retail properties	$	1,283,667	$	128,067	$	350,478	$	5	$	1,762,217
	Multi family		898,935		78,577		143,689		415		1,121,616
	Office		867,970		122,173		132,833		151		1,123,127
	Industrial and warehouse		668,452		72,177		112,323		-		852,952
	Other commercial real estate		1,220,708		88,288		481,136		1,112		1,791,244
Total commercial real estate		$	4,939,732	$	489,282	$	1,220,459	$	1,683	$	6,651,156
		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,516,130	$	2,267,363	$	724,584	$	106,634	$	5,614,711
Home equity:
	Secured by first-lien		1,643,792		1,082,143		313,961		856		3,040,752
	Secured by second-lien		2,224,545		1,768,450		678,738		669		4,672,402
Residential mortgage			1,978,843		1,580,266		795,676		145,581		4,500,366
Other consumer			206,952		234,558		102,254		20,063		563,827
(1)	Reflects currently updated customer credit scores.
(2)	Reflects deferred fees and costs, loans in process, loans to legal entities, etc.

Summarized data for impaired loans and the related ALLL by portfolio segment

The following table presents summarized data for impaired loans and the related ALLL by portfolio segment:

			Commercial		Commercial						Residential		Other
			and Industrial		Real Estate		Automobile		Home Equity		Mortgage		Consumer		Total
ALLL at September 30, 2011:
(dollar amounts in thousands)
	Portion of ending balance:
		Attributable to loans individually evaluated for impairment	$	31,249	$	61,472	$	1,344	$	1,610	$	14,757	$	311	$	110,743
		Attributable to loans collectively evaluated for impairment		254,005		357,423		48,058		138,006		84,217		27,258		908,967
	Total ALLL balance at September 30, 2011		$	285,254	$	418,895	$	49,402	$	139,616	$	98,974	$	27,569	$	1,019,710
	ALLL associated with portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---
Loans and Leases at September 30, 2011:
(dollar amounts in thousands)
	Portion of loans and leases at September 30, 2011:
		Individually evaluated for impairment		161,939		400,952		37,371		47,877		325,242		4,626		978,007
		Collectively evaluated for impairment		13,776,946		5,533,492		5,521,044		8,031,010		4,660,781		510,614		38,033,887
	Total loans evaluated for impairment		$	13,938,885	$	5,934,444	$	5,558,415	$	8,078,887	$	4,986,023	$	515,240	$	39,011,894
	Portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---

			Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total
ALLL at December 31, 2010
(dollar amounts in thousands)
	Portion of ALLL balance at December 31, 2010:
		Attributable to loans individually evaluated for impairment	$	63,307	$	65,130	$	1,477	$	1,498	$	11,780	$	668	$	143,860
		Attributable to loans collectively evaluated for impairment		277,307		523,121		48,011		149,132		81,509		26,068		1,105,148
	ALLL balance at December 31, 2010:		$	340,614	$	588,251	$	49,488	$	150,630	$	93,289	$	26,736	$	1,249,008
	ALLL associated with portfolio loans acquired with deteriorated credit quality		$	---	$	-	$	-	$	-	$	-	$	-	$	-
Loans and Leases at December 31, 2010:
(dollar amounts in thousands)
	Portion of loans and leases at December 31, 2010:
		Individually evaluated for impairment		198,120		310,668		29,764		37,257		334,207		9,565		919,581
		Collectively evaluated for impairment		12,865,173		6,340,488		5,584,947		7,675,897		4,166,159		554,262		37,186,926
	Total loans evaluated for impairment		$	13,063,293	$	6,651,156	$	5,614,711	$	7,713,154	$	4,500,366	$	563,827	$	38,106,507
	Portfolio loans acquired with deteriorated credit quality		$	---	$	---	$	---	$	---	$	---	$	---	$	---

Detailed impaired loan information by class

The following tables present detailed impaired loan information by class: (1), (2)

									Three Months Ended				Nine Months Ended
			September 30, 2011						September 30, 2011				September 30, 2011
					Unpaid						Interest				Interest
			Ending		Principal		Related		Average		Income		Average		Income
(dollar amounts in thousands)			Balance		Balance (5)		Allowance		Balance		Recognized		Balance		Recognized
With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	10,105	$	14,456	$	-	$	4,284	$	122	$	7,121	$	139
		Other commercial and industrial		3,782		6,165		-		3,324		37		6,102		162
	Total commercial and industrial		$	13,887	$	20,621	$	-	$	7,608	$	159	$	13,223	$	301
	Commercial real estate:
		Retail properties	$	43,746	$	55,370	$	-	$	29,895	$	348	$	21,158	$	362
		Multi family		21,156		21,345		-		16,187		188		12,951		499
		Office		1,105		1,431		-		1,542		-		1,804		-
		Industrial and warehouse		1,866		2,908		-		3,098		36		2,755		41
		Other commercial real estate		23,032		42,611		-		27,559		251		25,988		609
	Total commercial real estate		$	90,905	$	123,665	$	-	$	78,281	$	823	$	64,656	$	1,511
	Automobile		$	-	$	-	$	-	$	-	$	-	$	-	$	-
	Home equity:
		Secured by first-lien		-		-		-		-		-		-		-
		Secured by second-lien		-		-		-		-		-		-		-
	Residential mortgage			-		-		-		-		-		-		-
	Other consumer			-		-		-		-		-		-		-
With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	40,311	$	58,925	$	5,891	$	49,354	$	499	$	56,747	$	1,362
		Other commercial and industrial		107,741		138,751		25,358		102,193		946		99,629		2,246
	Total commercial and industrial		$	148,052	$	197,676	$	31,249	$	151,547	$	1,445	$	156,376	$	3,608
	Commercial real estate: (4)
		Retail properties	$	118,010	$	146,923	$	29,030	$	99,018	$	863	$	96,231	$	1,975
		Multi family		22,365		29,085		4,170		23,943		130		29,348		625
		Office		24,863		41,496		3,490		25,061		53		27,716		197
		Industrial and warehouse		50,423		61,563		7,141		54,345		166		44,649		588
		Other commercial real estate		94,386		131,350		17,641		107,635		873		85,949		1,510
	Total commercial real estate		$	310,047	$	410,417	$	61,472	$	310,002	$	2,085	$	283,893	$	4,895
	Automobile		$	37,371	$	37,371	$	1,344	$	33,215	$	847	$	31,451	$	2,154
	Home equity:
		Secured by first-lien		32,681		32,681		638		27,758		354		24,734		816
		Secured by second-lien		15,196		15,196		972		14,714		187		15,746		550
	Residential mortgage			325,242		347,843		14,757		329,685		3,038		335,400		9,848
	Other consumer			4,626		4,626		311		6,768		41		8,068		373

			December 31, 2010
					Unpaid
			Ending		Principal		Related
(dollar amounts in thousands)			Balance		Balance (5)		Allowance
With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	13,750	$	26,603	$	---
		Other commercial and industrial		11,127		22,688		---
	Total commercial and industrial		$	24,877	$	49,291	$	---
	Commercial real estate:
		Retail properties	$	31,972	$	67,487	$	---
		Multi family		5,058		5,675		---
		Office		2,270		3,562		---
		Industrial and warehouse		3,305		6,912		---
		Other commercial real estate		26,807		58,996		---
	Total commercial real estate		$	69,412	$	142,632	$	---
	Automobile		$	---	$	---	$	---
	Home equity:
		Secured by first-lien		---		---		---
		Secured by second-lien		---		---		---
	Residential mortgage			---		---		---
	Other consumer			---		---		---
With an allowance recorded:
	Commercial and industrial:
		Owner occupied	$	63,951	$	85,279	$	14,322
		Other commercial and industrial		109,292		154,424		48,986
	Total commercial and industrial		$	173,243	$	239,703	$	63,308
	Commercial real estate:
		Retail properties	$	74,732	$	120,051	$	14,846
		Multi family		38,758		39,299		7,760
		Office		26,595		31,261		9,466
		Industrial and warehouse		34,588		44,168		10,453
		Other commercial real estate		66,583		104,485		22,604
	Total commercial real estate		$	241,256	$	339,264	$	65,129
	Automobile		$	29,764	$	29,764	$	1,477
	Home equity:
		Secured by first-lien		20,553		20,675		511
		Secured by second-lien		16,704		17,060		987
	Residential mortgage			334,207		347,571		11,780
	Other consumer			9,565		9,565		668
(1)	These tables do not include loans fully charged-off.
(2)	All automobile, home equity, residential mortgage, and other consumer impaired loans included in the tables below are considered impaired due to their status as a TDR.
(3)	At September 30, 2011, $32,685 thousand of the $148,052 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.
(4)	At September 30, 2011, $26,916 thousand of the $310,047 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR.
(5)	The differences between the ending balance and the unpaid principal balance amounts represent partial charge-offs.

Detailed troubled debt restructuring information by class

The following table presents new TDR activity by class for the three-month and nine-month periods ended September 30, 2011:

		New Troubled Debt Restructurings During The
		Three-Month Period Ended September 30, 2011
			Post-modification		Net change in
(dollar amounts in thousands)		Number of	Outstanding		ALLL resulting
		Contracts	Balance (1)		from modification
C&I - Owner occupied:
	Interest rate reduction	3	$	638	$	(68)
	Amortization or maturity date change	16		11,023		(1,085)
	Other	2		729		(1)
Total C&I - Owner occupied		21	$	12,390	$	(1,154)
C&I - Other commercial and industrial:
	Interest rate reduction	6	$	18,292	$	1,225
	Amortization or maturity date change	11		2,175		13
	Other	2		3,027		64
Total C&I - Other commercial and industrial		19	$	23,494	$	1,302
CRE - Retail properties:
	Interest rate reduction	2	$	19,883	$	5,603
	Amortization or maturity date change	7		17,984		1,012
	Other	1		2,595		5
Total CRE - Retail properties		10	$	40,462	$	6,620
CRE - Multi family:
	Interest rate reduction	4	$	1,275	$	103
	Amortization or maturity date change	1		1,066		(51)
	Other	---		---		---
Total CRE - Multi family		5	$	2,341	$	52
CRE - Office:
	Interest rate reduction	---	$	---	$	---
	Amortization or maturity date change	---		---		---
	Other	---		---		---
Total CRE - Office		---	$	---	$	---
CRE - Industrial and warehouse:
	Interest rate reduction	---	$	---	$	---
	Amortization or maturity date change	2		229		(2)
	Other	1		2,147		(145)
Total CRE - Industrial and Warehouse		3	$	2,376	$	(147)
CRE - Other commercial real estate:
	Interest rate reduction	10	$	7,834	$	(374)
	Amortization or maturity date change	12		31,470		(365)
	Other	2		2,492		---
Total CRE - Other commercial real estate		24	$	41,796	$	(739)
Automobile:
	Interest rate reduction	12	$	147	$	3
	Amortization or maturity date change	822		7,687		(68)
	Other	---		---		---
Total Automobile		834	$	7,834	$	(65)
Residential mortgage:
	Interest rate reduction	2	$	181	$	---
	Amortization or maturity date change	164		22,120		649
	Other	5		600		33
Total Residential mortgage		171	$	22,901	$	682
First-lien home equity:
	Interest rate reduction	48	$	5,857	$	1,016
	Amortization or maturity date change	49		5,820		111
	Other	---		---		---
Total First-lien home equity		97	$	11,677	$	1,127
Second-lien home equity:
	Interest rate reduction	55	$	2,992	$	22
	Amortization or maturity date change	44		1,631		40
	Other	---		---		---
Total Second-lien home equity		99	$	4,623	$	62
Other consumer:
	Interest rate reduction	6	$	561	$	48
	Amortization or maturity date change	50		348		(18)
	Other	---		---		---
Total Other consumer		56	$	909	$	30

		New Troubled Debt Restructurings During The
		Nine-Month Period Ended September 30, 2011
			Post-modification		Net change in
(dollar amounts in thousands)		Number of	Outstanding		ALLL resulting
		Contracts	Balance (1)		from modification
C&I - Owner occupied:
	Interest rate reduction	27	$	12,240	$	(749)
	Amortization or maturity date change	35		19,294		(1,733)
	Other	4		3,072		243
Total C&I - Owner occupied		66	$	34,606	$	(2,239)
C&I - Other commercial and industrial:
	Interest rate reduction	18	$	21,382	$	1,067
	Amortization or maturity date change	41		23,145		(2,651)
	Other	17		25,421		(3,020)
Total C&I - Other commercial and industrial		76	$	69,948	$	(4,604)
CRE - Retail properties:
	Interest rate reduction	8	$	46,534	$	4,359
	Amortization or maturity date change	14		25,689		1,858
	Other	6		14,253		(1,974)
Total CRE - Retail properties		28	$	86,476	$	4,243
CRE - Multi family:
	Interest rate reduction	10	$	4,378	$	(9)
	Amortization or maturity date change	5		2,256		25
	Other	---		---		---
Total CRE - Multi family		15	$	6,634	$	16
CRE - Office:
	Interest rate reduction	3	$	1,505	$	259
	Amortization or maturity date change	2		1,238		97
	Other	---		---		---
Total CRE - Office		5	$	2,743	$	356
CRE - Industrial and warehouse:
	Interest rate reduction	1	$	2,165	$	(299)
	Amortization or maturity date change	6		19,300		(5,446)
	Other	1		2,147		(145)
Total CRE - Industrial and Warehouse		8	$	23,612	$	(5,890)
CRE - Other commercial real estate:
	Interest rate reduction	15	$	17,893	$	(1,180)
	Amortization or maturity date change	48		103,120		(3,602)
	Other	5		8,199		32
Total CRE - Other commercial real estate		68	$	129,212	$	(4,750)
Automobile:
	Interest rate reduction	14	$	186	$	3
	Amortization or maturity date change	1,534		13,832		(113)
	Other	---		---		---
Total Automobile		1,548	$	14,018	$	(110)
Residential mortgage:
	Interest rate reduction	8	$	6,604	$	(589)
	Amortization or maturity date change	499		67,351		2,289
	Other	18		3,555		115
Total Residential mortgage		525	$	77,510	$	1,815
First-lien home equity:
	Interest rate reduction	95	$	11,836	$	1,899
	Amortization or maturity date change	75		9,073		587
	Other	---		---		---
Total First-lien home equity		170	$	20,909	$	2,486
Second-lien home equity:
	Interest rate reduction	109	$	5,480	$	287
	Amortization or maturity date change	89		2,975		59
	Other	---		---		---
Total Second-lien home equity		198	$	8,455	$	346
Other consumer:
	Interest rate reduction	11	$	837	$	73
	Amortization or maturity date change	57		363		(19)
	Other	---		---		---
Total Other consumer		68	$	1,200	$	54
(1)	Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.

The following table presents TDRs modified within the previous twelve months that have subsequently redefaulted during the three-month and nine-month periods ended September 30, 2011:

		Troubled Debt Restructurings Within The Previous Twelve Months
		That Have Subsequently Defaulted During The (1)
		Three-month period ended September 30, 2011			Nine-month period ended September 30, 2011
(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance
C&I - Owner occupied:
	Interest rate reduction	---	$	---	9	$	3,850
	Amortization or maturity date change	3		3,224	7		4,072
	Other	---		---	2		2,352
Total C&I - Owner occupied		3	$	3,224	18	$	10,274
C&I - Other commercial and industrial:
	Interest rate reduction	---	$	---	1	$	193
	Amortization or maturity date change	2		9,300	6		9,932
	Other	---		---	---		---
Total C&I - Other commercial and industrial		2	$	9,300	7	$	10,125
CRE - Retail Properties:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	1		796
	Other	---		---	---		---
Total CRE - Retail properties		---	$	---	1	$	796
CRE - Multi family:
	Interest rate reduction	2	$	812	4	$	1,180
	Amortization or maturity date change	---		---	2		465
	Other	---		---	---		---
Total CRE - Multi family		2	$	812	6	$	1,645
CRE - Office:
	Interest rate reduction	---	$	---	1	$	116
	Amortization or maturity date change	---		---	1		334
	Other	---		---	---		---
Total CRE - Office		---	$	---	2	$	450
CRE - Industrial and Warehouse:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		229	7		2,581
	Other	---		---	---		---
Total CRE - Industrial and Warehouse		2	$	229	7	$	2,581
CRE - Other commercial real estate:
	Interest rate reduction	2	$	132	7	$	2,214
	Amortization or maturity date change	---		---	10		2,037
	Other	---		---	---		---
Total CRE - Other commercial real estate		2	$	132	17	$	4,251
Automobile:
	Interest rate reduction	---	$	---	1	$	---(2)
	Amortization or maturity date change	41		---(2)	112		---(2)
	Other	---		---	---		---
Total Automobile		41	$	---(2)	113	$	---(2)
Residential mortgage:
	Interest rate reduction	1	$	65	2	$	221
	Amortization or maturity date change	22		2,276	51		5,544
	Other	1		149	5		757
Total Residential mortgage		24	$	2,490	58	$	6,522
First-lien home equity:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	3		121
	Other	---		---	---		---
Total First-lien home equity		---	$	---	3	$	121
Second-lien home equity:
	Interest rate reduction	---	$	---	2	$	153
	Amortization or maturity date change	---		---	5		249
	Other	---		---	---		---
Total Second-lien home equity		---	$	---	7	$	402
Other consumer:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	2		11(3)
	Other	---		---	---		---
Total Other consumer		---	$	---	2	$	11
(1)	Subsequent default is defined as a payment redefault within 12 months of the restructuring date.
(2)	Automobile loans are charged-off at time of subsequent default. During the three-month period ended September 30, 2011, $220 thousand of total automobile loans were charged-off at the time of subsequent redefault. During the nine-month period ended September 30, 2011, $813 thousand of total automobile loans were charged-off at the time of subsequent default.
(3)	Other consumer loans are charged-off at time of subsequent default. During the nine-month period ended September 30, 2011, $11 thousand of total other consumer loans were charged-off at the time of subsequent default.