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Loans and Leases and Allowance for Credit Losses (Tables)

3 Months Ended

Sep. 30, 2013

Loans / Leases and Allowance for Credit Losses [Abstract]

The following table provides a detailed listing of Huntington's loan and lease portfolio at September 30, 2013 and December 31, 2012:

				September 30,		December 31,
(dollar amounts in thousands)				2013		2012

Loans and leases:
		Commercial and industrial	$	17,334,533	$	16,970,689
		Commercial real estate		4,872,725		5,399,240
		Automobile		6,317,112		4,633,820
		Home equity		8,346,685		8,335,342
		Residential mortgage		5,306,964		4,969,672
		Other consumer		377,814		419,662
	Loans and leases			42,555,833		40,728,425
	Allowance for loan and lease losses			(666,030)		(769,075)
Net loans and leases			$	41,889,803	$	39,959,350

Loan Purchases and Sales


		Commercial		Commercial				Home		Residential		Other
		and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Portfolio loans and leases purchased during the:
	Three-month period ended September 30, 2013	$	28,432	$	---	$	---	$	---	$	---	$	---	$	28,432
	Nine-month period ended September 30, 2013	$	84,169	$	---	$	---	$	---	$	---	$	---	$	84,169

	Three-month period ended September 30, 2012	$	58,638	$	---	$	---	$	---	$	---	$	---	$	58,638
	Nine-month period ended September 30, 2012	$	536,139	$	378,122	$	---	$	13,025	$	62,324	$	85	$	989,695

Portfolio loans and leases sold or transferred to loans held for sale during the:
	Three-month period ended September 30, 2013	$	70,823	$	---	$	---	$	---	$	49,931	$	---	$	120,754
	Nine-month period ended September 30, 2013	$	153,889	$	3,991	$	---	$	---	$	205,335		---	$	363,215

	Three-month period ended September 30, 2012	$	65,768	$	4,812	$	---	$	---	$	---	$	---	$	70,580
	Nine-month period ended September 30, 2012	$	190,933	$	52,554	$	2,783,748	$	---	$	179,621	$	---	$	3,206,856

NALs and Past Due Loans

The following table presents NALs by loan class at September 30, 2013 and December 31, 2012:

		2013		2012
(dollar amounts in thousands)		September 30,		December 31,

Commercial and industrial:
	Owner occupied	$	43,493	$	53,009
	Other commercial and industrial		24,541		37,696
Total commercial and industrial		$	68,034	$	90,705

Commercial real estate:
	Retail properties	$	30,383	$	31,791
	Multi family		11,295		19,765
	Office		18,461		30,341
	Industrial and warehouse		4,959		6,841
	Other commercial real estate		15,197		38,390
Total commercial real estate		$	80,295	$	127,128

Automobile		$	5,972	$	7,823

Home equity:
	Secured by first-lien	$	30,347	$	27,091
	Secured by junior-lien		32,198		32,434
Total home equity		$	62,545	$	59,525

Residential mortgage:
Residential mortgage		$	116,260	$	122,452
Total residential mortgages		$	116,260	$	122,452

Other consumer
Other consumer		$	---	$	---
Total nonaccrual loans		$	333,106	$	407,633

Aging analysis of loans and leases

The following table presents an aging analysis of loans and leases, including past due loans, by loan class at September 30, 2013 and December 31, 2012: (1)

September 30, 2013
														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	$	7,858	$	3,665	$	30,621	$	42,144	$	4,349,691	$	4,391,835	$	---
	Purchased credit-impaired		402		774		19,217		20,393		23,245		43,638		19,217
	Other commercial and industrial		11,235		3,297		10,109		24,641		12,874,419		12,899,060		---
Total commercial and industrial		$	19,495	$	7,736	$	59,947	$	87,178	$	17,247,355	$	17,334,533	$	19,217⁽²⁾

Commercial real estate:
	Retail properties	$	2,822	$	2,022	$	5,851	$	10,695	$	1,224,025	$	1,234,720	$	---
	Multi family		2,059		823		8,253		11,135		960,380		971,515		---
	Office		4,501		1,201		15,887		21,589		948,001		969,590		---
	Industrial and warehouse		3,049		1,194		2,729		6,972		520,784		527,756		---
	Purchased credit-impaired		2,545		3,109		44,026		49,680		39,566		89,246		44,026
	Other commercial real estate		2,375		568		9,628		12,571		1,067,327		1,079,898		---
Total commercial real estate		$	17,351	$	8,917	$	86,374	$	112,642	$	4,760,083	$	4,872,725	$	44,026⁽²⁾

Automobile		$	34,808	$	7,554	$	3,683	$	46,045	$	6,271,067	$	6,317,112	$	3,599

Home equity:
	Secured by first-lien	$	17,554	$	7,830	$	28,877	$	54,261	$	4,699,206	$	4,753,467	$	6,493
	Secured by junior-lien		31,079		14,030		30,418		75,527		3,517,691		3,593,218		6,551
Total home equity		$	48,633	$	21,860	$	59,295	$	129,788	$	8,216,897	$	8,346,685	$	13,044

Residential mortgage:
	Residential mortgage	$	114,101	$	37,628	$	164,564	$	316,293	$	4,988,384	$	5,304,677	$	95,569⁽³⁾
	Purchased credit-impaired		106		---		178		284		2,003		2,287		179
Total residential mortgage		$	114,207	$	37,628	$	164,742	$	316,577	$	4,990,387	$	5,306,964	$	95,748

Other consumer:
	Other consumer	$	6,326	$	1,430	$	1,100	$	8,856	$	368,831	$	377,687	$	1,102
	Purchased credit-impaired		---		---		---		---		127		127		---
Total other consumer		$	6,326	$	1,430	$	1,100	$	8,856	$	368,958	$	377,814	$	1,102

Total loans and leases		$	240,820	$	85,125	$	375,141	$	701,086	$	41,854,747	$	42,555,833	$	176,736

December 31, 2012
														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	$	11,409	$	6,302	$	31,997	$	49,708	$	4,236,211	$	4,285,919	$	---
	Purchased credit-impaired		986		3,533		26,648		31,167		23,305		54,472		26,648
	Other commercial and industrial		20,273		4,211		14,786		39,270		12,591,028		12,630,298		---
Total commercial and industrial		$	32,668	$	14,046	$	73,431	$	120,145	$	16,850,544	$	16,970,689	$	26,648⁽²⁾

Commercial real estate:
	Retail properties	$	3,459	$	4,203	$	9,677	$	17,339	$	1,413,520	$	1,430,859	$	---
	Multi family		7,961		1,314		12,062		21,337		963,063		984,400		---
	Office		1,054		2,415		23,335		26,804		909,310		936,114		---
	Industrial and warehouse		6,597		118		5,433		12,148		584,754		596,902		---
	Purchased credit-impaired		556		1,751		56,660		58,967		67,956		126,923		56,660
	Other commercial real estate		2,725		2,192		25,463		30,380		1,293,662		1,324,042		---
Total commercial real estate		$	22,352	$	11,993	$	132,630	$	166,975	$	5,232,265	$	5,399,240	$	56,660⁽²⁾

Automobile		$	36,267	$	7,803	$	4,438	$	48,508	$	4,585,312	$	4,633,820	$	4,418

Home equity
	Secured by first-lien	$	26,288	$	9,992	$	28,322	$	64,602	$	4,315,985	$	4,380,587	$	5,202
	Secured by junior-lien		34,365		16,553		35,150		86,068		3,868,687		3,954,755		12,998
Total home equity		$	60,653	$	26,545	$	63,472	$	150,670	$	8,184,672	$	8,335,342	$	18,200

Residential mortgage
	Residential mortgage	$	118,582	$	44,747	$	164,035	$	327,364	$	4,640,065	$	4,967,429	$	92,925⁽⁴⁾
	Purchased credit-impaired		58		---		609		667		1,576		2,243		609
Total residential mortgage		$	118,640	$	44,747	$	164,644	$	328,031	$	4,641,641	$	4,969,672	$	93,534

Other consumer
	Other consumer	$	7,431	$	2,117	$	1,672	$	11,220	$	408,302	$	419,522	$	1,672
	Purchased credit-impaired		---		76		---		76		64		140		---
Total other consumer		$	7,431	$	2,193	$	1,672	$	11,296	$	408,366	$	419,662	$	1,672

Total loans and leases		$	278,011	$	107,327	$	440,287	$	825,625	$	39,902,800	$	40,728,425	$	201,132


(1)	NALs are included in this aging analysis based on the loan's past due status.
(2)	All amounts represent accruing purchased impaired loans related to the FDIC-assisted Fidelity Bank acquisition. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3)	Includes $81,770 thousand guaranteed by the U.S. government.
(4)	Includes $90,816 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, 2013 and 2012:

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Three-month period ended September 30, 2013:

	ALLL balance, beginning of period		$	233,679	$	255,849	$	39,990	$	115,626	$	63,802	$	24,130	$	733,076
		Loan charge-offs		(9,226)		(22,759)		(6,000)		(30,206)		(7,435)		(9,626)		(85,252)
		Recoveries of loans previously charged-off		7,565		10,196		3,279		3,031		2,646		2,793		29,510
		Provision for loan and lease losses		30,030		(78,764)		(10,182)		35,617		(7,691)		19,756		(11,234)
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		(70)		---		(70)
	ALLL balance, end of period		$	262,048	$	164,522	$	27,087	$	124,068	$	51,252	$	37,053	$	666,030

	AULC balance, beginning of period		$	37,471	$	4,408	$	---	$	1,688	$	6	$	650	$	44,223
		Provision for unfunded loan commitments and letters of credit		13,621		8,394		---		59		7		553		22,634
	AULC balance, end of period		$	51,092	$	12,802	$	---	$	1,747	$	13	$	1,203	$	66,857

	ACL balance, end of period		$	313,140	$	177,324	$	27,087	$	125,815	$	51,265	$	38,256	$	732,887

Nine-month period ended September 30, 2013:

	ALLL balance, beginning of period		$	241,051	$	285,369	$	34,979	$	118,764	$	61,658	$	27,254	$	769,075
		Loan charge-offs		(31,220)		(59,320)		(16,907)		(74,504)		(25,028)		(25,653)		(232,632)
		Recoveries of loans previously charged-off		24,656		31,596		10,129		12,692		5,471		5,869		90,413
		Provision for loan and lease losses		27,561		(93,123)		(1,114)		67,116		9,485		29,583		39,508
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		(334)		---		(334)
	ALLL balance, end of period		$	262,048	$	164,522	$	27,087	$	124,068	$	51,252	$	37,053	$	666,030

	AULC balance, beginning of period		$	33,868	$	4,740	$	---	$	1,356	$	3	$	684	$	40,651
		Provision for unfunded loan commitments and letters of credit		17,224		8,062		---		391		10		519		26,206
	AULC balance, end of period		$	51,092	$	12,802	$	---	$	1,747	$	13	$	1,203	$	66,857

	ACL balance, end of period		$	313,140	$	177,324	$	27,087	$	125,815	$	51,265	$	38,256	$	732,887

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Three-month period ended September 30, 2012:

	ALLL balance, beginning of period		$	280,548	$	305,391	$	30,217	$	135,562	$	78,015	$	29,913	$	859,646
		Loan charge-offs		(22,522)		(26,513)		(7,925)		(48,710)		(17,644)		(8,872)		(132,186)
		Recoveries of loans previously charged-off		9,499		9,139		3,906		2,114		764		1,669		27,091
		Provision for loan and lease losses		(10,444)		(7,641)		7,187		33,639		5,809		5,869		34,419
		Allowance for loans sold or transferred to loans held for sale		---		---		(104)		---		276		---		172
	ALLL balance, end of period		$	257,081	$	280,376	$	33,281	$	122,605	$	67,220	$	28,579	$	789,142

	AULC balance, beginning of period		$	42,844	$	5,225	$	---	$	2,190	$	4	$	715	$	50,978
		Provision for unfunded loan commitments and letters of credit		3,263		(125)		---		(513)		(1)		(39)		2,585
	AULC balance, end of period		$	46,107	$	5,100	$	---	$	1,677	$	3	$	676	$	53,563

	ACL balance, end of period		$	303,188	$	285,476	$	33,281	$	124,282	$	67,223	$	29,255	$	842,705

Nine-month period ended September 30, 2012:

	ALLL balance, beginning of period		$	275,367	$	388,706	$	38,282	$	143,873	$	87,194	$	31,406	$	964,828
		Loan charge-offs		(79,746)		(83,662)		(20,534)		(97,058)		(41,292)		(25,946)		(348,238)
		Recoveries of loans previously charged-off		22,550		26,604		12,988		5,688		3,056		5,020		75,906
		Provision for loan and lease losses		38,910		(51,272)		7,784		70,102		19,200		18,099		102,823
		Allowance for loans sold or transferred to loans held for sale		---		---		(5,239)		---		(938)		---		(6,177)
	ALLL balance, end of period		$	257,081	$	280,376	$	33,281	$	122,605	$	67,220	$	28,579	$	789,142

	AULC balance, beginning of period		$	39,658	$	5,852	$	---	$	2,134	$	1	$	811	$	48,456
		Provision for unfunded loan commitments and letters of credit		6,449		(752)		---		(457)		2		(135)		5,107
	AULC balance, end of period		$	46,107	$	5,100	$	---	$	1,677	$	3	$	676	$	53,563

	ACL balance, end of period		$	303,188	$	285,476	$	33,281	$	124,282	$	67,223	$	29,255	$	842,705

Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at September 30, 2013 and December 31, 2012:

		September 30, 2013
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	4,035,048	$	169,877	$	184,075	$	2,835	$	4,391,835
	Purchased credit-impaired		5,123		1,970		35,635		910		43,638
	Other commercial and industrial		12,297,970		213,288		383,695		4,107		12,899,060
Total commercial and industrial		$	16,338,141	$	385,135	$	603,405	$	7,852	$	17,334,533

Commercial real estate:
	Retail properties	$	1,103,417	$	32,465	$	98,838	$	---	$	1,234,720
	Multi family		916,230		14,715		40,456		114		971,515
	Office		862,359		20,884		85,475		872		969,590
	Industrial and warehouse		481,288		17,668		28,800		---		527,756
	Purchased credit-impaired		11,988		5,941		71,317		---		89,246
	Other commercial real estate		986,227		17,854		75,518		299		1,079,898
Total commercial real estate		$	4,361,509	$	109,527	$	400,404	$	1,285	$	4,872,725

		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,836,051	$	2,427,360	$	874,804	$	178,897	$	6,317,112

Home equity:
	Secured by first-lien	$	2,946,368	$	1,413,536	$	316,154	$	77,409	$	4,753,467
	Secured by junior-lien		1,827,991		1,264,222		429,749		71,256		3,593,218
Total home equity		$	4,774,359	$	2,677,758	$	745,903	$	148,665	$	8,346,685

Residential mortgage:
	Residential mortgage	$	2,772,000	$	1,733,926	$	714,181	$	84,570	$	5,304,677
	Purchased credit-impaired		428		1,130		729		---		2,287
Total residential mortgage		$	2,772,428	$	1,735,056	$	714,910	$	84,570	$	5,306,964

Other consumer:
	Other consumer	$	148,866	$	146,839	$	44,214	$	37,768	$	377,687
	Purchased credit-impaired		---		89		38		---		127
Total other consumer		$	148,866	$	146,928	$	44,252	$	37,768	$	377,814


		December 31, 2012
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,970,597	$	108,731	$	205,822	$	769	$	4,285,919
	Purchased credit-impaired		1,663		6,555		46,254		---		54,472
	Other commercial and industrial		12,146,017		145,111		337,805		1,365		12,630,298
Total commercial and industrial		$	16,118,277	$	260,397	$	589,881	$	2,134	$	16,970,689

Commercial real estate:
	Retail properties	$	1,184,987	$	63,976	$	181,896	$	---	$	1,430,859
	Multi family		902,616		24,098		57,548		138		984,400
	Office		826,533		26,488		83,093		---		936,114
	Industrial and warehouse		540,484		15,132		41,286		---		596,902
	Purchased credit-impaired		10,052		18,085		98,786		---		126,923
	Other commercial real estate		1,177,213		43,454		103,262		113		1,324,042
Total commercial real estate		$	4,641,885	$	191,233	$	565,871	$	251	$	5,399,240

		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	2,233,439	$	1,900,824	$	682,518	$	117,039	$	4,933,820	(3)

Home equity:
	Secured by first-lien	$	2,618,888	$	1,345,621	$	357,019	$	59,059	$	4,380,587
	Secured by junior-lien		2,046,143		1,375,636		491,226		41,750		3,954,755
Total home equity		$	4,665,031	$	2,721,257	$	848,245	$	100,809	$	8,335,342

Residential mortgage
	Residential mortgage	$	2,561,210	$	1,673,485	$	711,750	$	20,984	$	4,967,429
	Purchased credit-impaired		373		1,303		567		---		2,243
Total residential mortgage		$	2,561,583	$	1,674,788	$	712,317	$	20,984	$	4,969,672

Other consumer
	Other consumer	$	169,792	$	167,389	$	59,815	$	22,526	$	419,522
	Purchased credit-impaired		---		93		47		---		140
Total other consumer		$	169,792	$	167,482	$	59,862	$	22,526	$	419,662

(1)	Reflects currently updated customer credit scores.
(2)	Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
(3)	Included $0.3 billion of loans reflected as loans held for sale related to an automobile securitization expected to be completed in 2013. During the 2013 second quarter, this amount was transferred from loans held for sale to the automobile portfolio based on Management's intent and ability to hold these loans for the foreseeable future.

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

The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance at September 30, 2013 and December 31, 2012:


			Commercial		Commercial						Residential		Other
(dollar amounts in thousands)			and Industrial		Real Estate		Automobile		Home Equity		Mortgage		Consumer		Total

ALLL at September 30, 2013:

	Portion of ALLL balance:

		Attributable to purchased credit-impaired loans	$	1,190	$	916	$	---	$	---	$	57	$	---	$	2,163
		Attributable to loans individually evaluated for impairment		10,340		30,704		676		5,015		12,711		77		59,523
		Attributable to loans collectively evaluated for impairment		250,518		132,902		26,411		119,053		38,484		36,976		604,344
	Total ALLL balance		$	262,048	$	164,522	$	27,087	$	124,068	$	51,252	$	37,053	$	666,030


Loan and Lease Ending Balances at September 30, 2013:

	Portion of loan and lease ending balance:

		Attributable to purchased credit-impaired loans	$	43,638	$	89,246	$	---	$	---	$	2,287	$	127	$	135,298
		Individually evaluated for impairment		115,590		268,406		36,953		165,025		378,334		959		965,267
		Collectively evaluated for impairment		17,175,305		4,515,073		6,280,159		8,181,660		4,926,343		376,728		41,455,268
	Total loans and leases evaluated for impairment		$	17,334,533	$	4,872,725	$	6,317,112	$	8,346,685	$	5,306,964	$	377,814	$	42,555,833



(dollar amounts in thousands)			Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total

ALLL at December 31, 2012

	Portion of ALLL balance:

		Attributable to purchased credit-impaired loans	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Attributable to loans individually evaluated for impairment		11,694		31,133		1,446		4,783		14,176		213		63,445
		Attributable to loans collectively evaluated for impairment		229,357		254,236		33,533		113,981		47,482		27,041		705,630
	Total ALLL balance:		$	241,051	$	285,369	$	34,979	$	118,764	$	61,658	$	27,254	$	769,075

Loan and Lease Ending Balances at December 31, 2012

	Portion of loan and lease ending balances:

		Attributable to purchased credit-impaired loans	$	54,472	$	126,923	$	---	$	---	$	2,243	$	140	$	183,778
		Individually evaluated for impairment		119,535		298,891		43,607		117,532		374,526		2,657		956,748
		Collectively evaluated for impairment		16,796,682		4,973,426		4,590,213		8,217,810		4,592,903		416,865		39,587,899
	Total loans and leases evaluated for impairment		$	16,970,689	$	5,399,240	$	4,633,820	$	8,335,342	$	4,969,672	$	419,662	$	40,728,425

Detailed impaired loan information by class

The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for loans and leases individually evaluated for impairment and purchased credit-impaired loans: (1), (2)

									Three Months Ended				Nine Months Ended
			September 30, 2013						September 30, 2013				September 30, 2013
					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	$	4,144	$	4,185	$	---	$	4,960	$	42	$	4,456	$	126
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial and industrial		18,204		24,912		---		14,254		168		12,389		473
	Total commercial and industrial		$	22,348	$	29,097	$	---	$	19,214	$	210	$	16,845	$	599

	Commercial real estate:
		Retail properties	$	40,698	$	42,255	$	---	$	38,514	$	557	$	47,186	$	1,867
		Multi family		4,197		4,315		---		4,203		63		4,836		220
		Office		9,155		13,819		---		9,183		313		13,168		845
		Industrial and warehouse		7,107		8,228		---		9,282		129		11,467		478
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial real estate		6,212		7,103		---		6,216		159		8,581		382
	Total commercial real estate		$	67,369	$	75,720	$	---	$	67,398	$	1,221	$	85,238	$	3,792

	Automobile		$	---	$	---	$	---	$	---	$	---	$	---	$	---

	Home equity:
		Secured by first-lien	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Secured by junior-lien		---		---		---		---		---		---		---
	Total home equity		$	---	$	---	$	---	$	---	$	---	$	---	$	---

	Residential mortgage:
		Residential mortgage	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Purchased credit-impaired		---		---		---		---		---		---		---
	Total residential mortgage		$	---	$	---	$	---	$	---	$	---	$	---	$	---

	Other consumer
		Other consumer	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Purchased credit-impaired		127		223		---		129		4		139		11
	Total other consumer		$	127	$	223	$	---	$	129	$	4	$	139	$	11

With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	40,258	$	47,148	$	4,052	$	39,656	$	332	$	42,155	$	1,024
		Purchased credit-impaired		43,638		63,023		1,190		46,942		1,485		50,421		3,775
		Other commercial and industrial		52,984		86,121		6,288		61,563		886		62,320		2,510
	Total commercial and industrial		$	136,880	$	196,292	$	11,530	$	148,161	$	2,703	$	154,896	$	7,309

	Commercial real estate: (4)
		Retail properties	$	87,520	$	115,601	$	6,587	$	67,209	$	448	$	58,928	$	1,303
		Multi family		13,733		14,425		1,891		13,646		159		15,295		490
		Office		54,762		60,471		12,969		49,486		490		46,543		1,291
		Industrial and warehouse		13,167		14,479		1,376		10,381		303		16,535		671
		Purchased credit-impaired		89,246		172,618		916		97,719		3,038		110,124		7,721
		Other commercial real estate		31,855		40,401		7,881		32,579		332		37,436		1,150
	Total commercial real estate		$	290,283	$	417,995	$	31,620	$	271,020	$	4,770	$	284,861	$	12,626

	Automobile		$	36,953	$	38,513	$	676	$	38,732	$	817	$	40,555	$	2,121

	Home equity:
		Secured by first-lien	$	95,268	$	98,189	$	1,940	$	90,952	$	1,062	$	92,723	$	2,953
		Secured by junior-lien		69,757		85,651		3,075		64,553		873		57,743		2,186
	Total home equity		$	165,025	$	183,840	$	5,015	$	155,505	$	1,935	$	150,466	$	5,139

	Residential mortgage (6):
		Residential mortgage	$	378,334	$	3,420,179	$	12,711	$	356,855	$	2,971	$	365,148	$	8,713
		Purchased credit-impaired		2,287		3,619		57		2,169		78		2,232		198
	Total residential mortgage		$	380,621	$	3,423,798	$	12,768	$	359,024	$	3,049	$	367,380	$	8,911

	Other consumer:
		Other consumer	$	959	$	959	$	77	$	2,171	$	29	$	2,378	$	83
		Purchased credit-impaired		---		---		---		---		---		---		---
	Total other consumer		$	959	$	959	$	77	$	2,171	$	29	$	2,378	$	83

									Three Months Ended				Nine Months Ended
			December 31, 2012						September 30, 2012				September 30, 2012
					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	$	1,050	$	1,091	$	---	$	4,702	$	1	$	5,310	$	61
		Purchased credit-impaired		54,472		80,294		---		62,740		935		64,627		1,767
		Other commercial and industrial		31,841		54,520		---		9,274		88		8,556		343
	Total commercial and industrial		$	87,363	$	135,905	$	---	$	76,716	$	1,024	$	78,493	$	2,171

	Commercial real estate:
		Retail properties	$	54,216	$	56,569	$	---	$	53,317	$	531	$	52,127	$	2,007
		Multi family		5,719		5,862		---		5,413		85		5,879		278
		Office		20,051		24,843		---		8,695		138		4,631		191
		Industrial and warehouse		15,013		17,476		---		9,779		106		8,045		312
		Purchased credit-impaired		126,923		226,093		---		134,279		2,004		138,858		3,954
		Other commercial real estate		10,479		10,728		---		15,070		140		17,068		412
	Total commercial real estate		$	232,401	$	341,571	$	---	$	226,553	$	3,004	$	226,608	$	7,154


	Home equity:
		Secured by first-lien	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Secured by junior-lien		---		---		---		---		---		---		---
	Total home equity		$	---	$	---	$	---	$	---	$	---	$	---	$	---

	Residential mortgage:
		Residential mortgage	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Purchased credit-impaired		2,243		4,104		---		2,293		34		3,947		68
	Total residential mortgage		$	2,243	$	4,104	$	---	$	2,293	$	34	$	3,947	$	68

	Other consumer
		Other consumer	$	---	$	---	$	---	$	---	$	---	$	---	$	---
		Purchased credit-impaired		140		245		---		626		9		782		18
	Total other consumer		$	140	$	245	$	---	$	626	$	9	$	782	$	18

With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	46,266	$	56,925	$	5,730	$	39,339	$	303	$	38,927	$	998
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial and industrial		40,378		52,996		5,964		56,377		424		77,289		1,906
	Total commercial and industrial		$	86,644	$	109,921	$	11,694	$	95,716	$	727	$	116,216	$	2,904

	Commercial real estate: (4)
		Retail properties	$	65,004	$	73,000	$	8,144	$	109,146	$	848	$	117,069	$	4,032
		Multi family		17,410		18,531		2,662		26,375		280		29,734		1,108
		Office		40,375		45,164		9,214		10,394		52		16,954		210
		Industrial and warehouse		22,450		25,374		1,092		23,854		151		24,205		504
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial real estate		48,174		63,148		10,021		66,999		455		74,020		2,032
	Total commercial real estate		$	193,413	$	225,217	$	31,133	$	236,768	$	1,786	$	261,982	$	7,886

	Automobile		$	43,607	$	44,790	$	1,446	$	39,996	$	782	$	38,022	$	2,398

	Home equity:
		Secured by first-lien	$	76,258	$	80,831	$	1,329	$	59,247	$	730	$	49,559	$	1,769
		Secured by junior-lien		41,274		63,390		3,454		24,698		368		20,463		804
	Total home equity		$	117,532	$	144,221	$	4,783	$	83,945	$	1,098	$	70,022	$	2,573

	Residential mortgage (6):
		Residential mortgage	$	374,526	$	413,583	$	14,176	$	345,677	$	2,722	$	337,876	$	8,525
		Purchased credit-impaired		---		---		---		---		---		---		---
	Total residential mortgage		$	374,526	$	413,583	$	14,176	$	345,677	$	2,722	$	337,876	$	8,525

	Other consumer:
		Other consumer	$	2,657	$	2,657	$	213	$	2,954	$	19	$	4,118	$	78
		Purchased credit-impaired		---		---		---		---		---		---		---
	Total other consumer		$	2,657	$	2,657	$	213	$	2,954	$	19	$	4,118	$	78


(1)	These tables do not include loans fully charged-off.
(2)	All automobile, home equity, residential mortgage, and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR.
(3)	At September 30, 2013, $44,361 thousand of the $136,880 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2012, $44,265 thousand of the $86,644 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.
(4)	At September 30, 2013, $30,293 thousand of the $290,283 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2012, $31,605 thousand of the $193,413 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 unpaid principal balance amounts represent partial charge-offs.
(6)	At September 30, 2013, $40,738 thousand of the $380,621 thousand residential mortgages loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2012, $28,695 thousand of the $374,526 thousand residential mortgage loans with an allowance recorded were guaranteed by the U.S. government.

Detailed troubled debt restructuring information by class

The following tables present by class and by the reason for the modification, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month and nine-month periods ended September 30, 2013 and 2012:

		New Troubled Debt Restructurings During The Three-Month Period Ended⁽¹⁾
		September 30, 2013							September 30, 2012
			Post-modification					Post-modification
			Outstanding					Outstanding
(dollar amounts in thousands)		Number of	Ending		Financial effects		Number of	Ending		Financial effects
		Contracts	Balance		of modification⁽²⁾		Contracts	Balance		of modification⁽²⁾

C&I - Owner occupied:
	Interest rate reduction	2	$	257	$	9	7	$	4,292	$	13
	Amortization or maturity date change	16		3,617		(10)	23		5,271		(49)
	Other	4		2,935		166	5		1,410		(153)
Total C&I - Owner occupied		22	$	6,809	$	165	35	$	10,973	$	(189)

C&I - Other commercial and industrial:
	Interest rate reduction	7	$	19,082	$	(1,491)	6	$	2,029	$	(261)
	Amortization or maturity date change	29		9,978		(1,730)	20		12,393		(432)
	Other	10		4,815		(40)	10		3,523		136
Total C&I - Other commercial and industrial		46	$	33,875	$	(3,261)	36	$	17,945	$	(557)

CRE - Retail properties:
	Interest rate reduction	2	$	378	$	(5)	---	$	---	$	---
	Amortization or maturity date change	10		25,693		4,162	1		116		(2)
	Other	5		8,034		(1,740)	1		276		(1)
Total CRE - Retail properties		17	$	34,105	$	2,417	2	$	392	$	(3)

CRE - Multi family:
	Interest rate reduction	2	$	1,455	$	(3)	8	$	809	$	(22)
	Amortization or maturity date change	5		731		(25)	12		1,216		51
	Other	2		161		6	1		343		(8)
Total CRE - Multi family		9	$	2,347	$	(22)	21	$	2,368	$	21

CRE - Office:
	Interest rate reduction	2	$	129	$	1	1	$	2,039	$	(599)
	Amortization or maturity date change	4		3,032		153	2		9,632		(36)
	Other	2		2,777		160	---		---		---
Total CRE - Office		8	$	5,938	$	314	3	$	11,671	$	(635)

CRE - Industrial and warehouse:
	Interest rate reduction	---	$	---	$	---	1	$	1,600	$	(224)
	Amortization or maturity date change	2		497		(6)	7		31,577		(3,729)
	Other	---		---		---	---		---		---
Total CRE - Industrial and Warehouse		2	$	497	$	(6)	8	$	33,177	$	(3,953)

CRE - Other commercial real estate:
	Interest rate reduction	4	$	4,450	$	(44)	2	$	755	$	(72)
	Amortization or maturity date change	9		2,400		(14)	10		13,454		383
	Other	7		5,111		54	3		199		111
Total CRE - Other commercial real estate		20	$	11,961	$	(4)	15	$	14,408	$	422

Automobile:
	Interest rate reduction	3	$	5	$	---	7	$	51	$	---
	Amortization or maturity date change	458		2,639		(18)	501		3,533		(30)
	Chapter 7 bankruptcy	151		1,096		(33)	1,978		11,666		1,754
Total Automobile		612	$	3,740	$	(51)	2,486	$	15,250	$	1,724

Residential mortgage:
	Interest rate reduction	26	$	2,755	$	36	8	$	1,300	$	59
	Amortization or maturity date change	146		20,578		320	113		16,234		117
	Chapter 7 bankruptcy	92		10,107		134	528		39,352		4,527
	Other	3		327		8	6		663		41
Total Residential mortgage		267	$	33,767	$	498	655	$	57,549	$	4,744

First-lien home equity:
	Interest rate reduction	47	$	4,239	$	487	47	$	6,837	$	1,185
	Amortization or maturity date change	88		5,815		(390)	31		2,928		28
	Chapter 7 bankruptcy	35		2,443		(27)	177		7,461		4,203
Total First-lien home equity		170	$	12,497	$	70	255	$	17,226	$	5,416

Junior-lien home equity:
	Interest rate reduction	4	$	167	$	30	15	$	1,273	$	226
	Amortization or maturity date change	441		14,301		(1,246)	40		1,586		(40)
	Chapter 7 bankruptcy	462		1,787		14,062	1,198		12,366		17,781
	Other	---		---		---	7		285		---
Total Junior-lien home equity		907	$	16,255	$	12,846	1,260	$	15,510	$	17,967

Other consumer:
	Interest rate reduction	1	$	8	$	---	7	$	65	$	9
	Amortization or maturity date change	3		8		---	4		25		---
	Chapter 7 bankruptcy	2		5		---	12		148		---
Total Other consumer		6	$	21	$	---	23	$	238	$	9

Total new troubled debt restructurings		2,086	$	161,812	$	12,966	4,799	$	196,707	$	24,966

		New Troubled Debt Restructurings During The Nine-Month Period Ended⁽¹⁾
		September 30, 2013							September 30, 2012
			Post-modification					Post-modification
			Outstanding					Outstanding
(dollar amounts in thousands)		Number of	Ending		Financial effects		Number of	Ending		Financial effects
		Contracts	Balance		of modification⁽²⁾		Contracts	Balance		of modification⁽²⁾

C&I - Owner occupied:
	Interest rate reduction	16	$	5,532	$	(463)	21	$	9,260	$	145
	Amortization or maturity date change	49		12,631		(22)	70		16,305		522
	Other	12		5,358		255	13		4,181		1,105
Total C&I - Owner occupied		77	$	23,521	$	(230)	104	$	29,746	$	1,772

C&I - Other commercial and industrial:
	Interest rate reduction	19	$	61,838	$	(1,044)	23	$	7,095	$	1
	Amortization or maturity date change	95		47,611		1,665	91		36,403		(1,270)
	Other	24		11,815		171	28		34,524		201
Total C&I - Other commercial and industrial		138	$	121,264	$	792	142	$	78,022	$	(1,068)

CRE - Retail properties:
	Interest rate reduction	4	$	1,116	$	(8)	8	$	6,027	$	957
	Amortization or maturity date change	16		26,596		4,160	11		3,166		(23)
	Other	10		17,758		(557)	1		276		(1)
Total CRE - Retail properties		30	$	45,470	$	3,595	20	$	9,469	$	933

CRE - Multi family:
	Interest rate reduction	8	$	4,106	$	7	10	$	1,143	$	(27)
	Amortization or maturity date change	13		1,966		(18)	25		2,913		(20)
	Other	4		8,043		(2)	7		7,961		668
Total CRE - Multi family		25	$	14,115	$	(13)	42	$	12,017	$	621

CRE - Office:
	Interest rate reduction	6	$	6,209	$	1,657	4	$	4,155	$	(236)
	Amortization or maturity date change	11		7,375		175	6		11,208		327
	Other	4		3,059		159	3		306		---
Total CRE - Office		21	$	16,643	$	1,991	13	$	15,669	$	91

CRE - Industrial and warehouse:
	Interest rate reduction	---	$	---	$	---	2	$	4,600	$	(220)
	Amortization or maturity date change	7		1,590		(9)	13		34,350		(3,850)
	Other	1		5,867		---	---		---		---
Total CRE - Industrial and Warehouse		8	$	7,457	$	(9)	15	$	38,950	$	(4,070)

CRE - Other commercial real estate:
	Interest rate reduction	13	$	5,940	$	8	9	$	2,792	$	(288)
	Amortization or maturity date change	13		3,100		(12)	38		66,007		4,145
	Other	8		5,463		53	5		9,634		(1,893)
Total CRE - Other commercial real estate		34	$	14,503	$	49	52	$	78,433	$	1,964

Automobile:
	Interest rate reduction	11	$	78	$	---	28	$	271	$	4
	Amortization or maturity date change	1,146		6,550		(52)	1,401		9,813		(73)
	Chapter 7 bankruptcy	864		5,384		344	1,978		11,666		1,754
	Other	---		---		---	---		---		---
Total Automobile		2,021	$	12,012	$	292	3,407	$	21,750	$	1,685

Residential mortgage:
	Interest rate reduction	58	$	11,228	$	---	12	$	7,466	$	10
	Amortization or maturity date change	323		43,589		389	318		42,326		1,051
	Chapter 7 bankruptcy	157		16,697		577	528		39,352		4,527
	Other	15		1,612		38	6		663		41
Total Residential mortgage		553	$	73,126	$	1,004	864	$	89,807	$	5,629

First-lien home equity:
	Interest rate reduction	106	$	9,553	$	908	177	$	21,841	$	3,666
	Amortization or maturity date change	165		11,365		(959)	57		5,825		23
	Chapter 7 bankruptcy	93		5,897		587	177		7,461		4,203
	Other	---		---		---	---		---		---
Total First-lien home equity		364	$	26,815	$	536	411	$	35,127	$	7,892

Junior-lien home equity:
	Interest rate reduction	20	$	916	$	155	52	$	2,749	$	443
	Amortization or maturity date change	981		35,672		(3,613)	59		2,458		(57)
	Chapter 7 bankruptcy	642		4,044		17,181	1,198		12,366		17,781
	Other	---		---		---	7		288		---
Total Junior-lien home equity		1,643	$	40,632	$	13,723	1,316	$	17,861	$	18,167

Other consumer:
	Interest rate reduction	4	$	227	$	42	12	$	228	$	23
	Amortization or maturity date change	8		72		5	15		352		30
	Chapter 7 bankruptcy	19		285		56	12		148		---
	Other	---		---		---	---		---		---
Total Other consumer		31	$	584	$	103	39	$	728	$	53

Total new troubled debt restructurings		4,945	$	396,142	$	21,833	6,425	$	427,579	$	33,669

(1)	TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.
(2)	Amount represents the financial impact via provision for loan and lease losses as a result of the modification.

The following tables present TDRs that have defaulted within one year of modification during the three-month and nine-month periods ended September 30, 2013 and 2012:

		Troubled Debt Restructurings That Have Redefaulted⁽¹⁾
		Within One Year Of Modification During The Three Months Ended
		September 30, 2013			September 30, 2012

(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance


C&I - Owner occupied:
	Interest rate reduction	---	$	---	2	$	239
	Amortization or maturity date change	3		349	4		489
	Other	---		---	---		---
Total C&I - Owner occupied		3	$	349	6	$	728

C&I - Other commercial and industrial:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	7		263	3		84
	Other	---		---	---		---
Total C&I - Other commercial and industrial		7	$	263	3	$	84

CRE - Retail Properties:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	---		---
	Other	---		---	---		---
Total CRE - Retail properties		---	$	---	---	$	---

CRE - Multi family:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		225	---		---
	Other	---		---	---		---
Total CRE - Multi family		2	$	225	---	$	---

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	1		361	---		---
	Other	1		726	---		---
Total CRE - Industrial and Warehouse		2	$	1,087	---	$	---

CRE - Other commercial real estate:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		725	---		---
	Other	---		---	---		---
Total CRE - Other commercial real estate		2	$	725	---	$	---

Automobile:
	Interest rate reduction	---	$	---	1	$	---
	Amortization or maturity date change	8		93	20		---
	Chapter 7 bankruptcy	17		107	---		---
	Other	---		---	---		---
Total Automobile		25	$	200	21	$	---

Residential mortgage:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	19		2,930	18		2,422
	Chapter 7 bankruptcy	10		658	17		1,760
	Other	---		---	1		106
Total Residential mortgage		29	$	3,588	36	$	4,288

First-lien home equity:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		14	4		489
	Chapter 7 bankruptcy	5		193	---		---
	Other	---		---	---		---
Total First-lien home equity		6	$	207	4	$	489

Junior-lien home equity:
	Interest rate reduction	1	$	---	---	$	---
	Amortization or maturity date change	2		102	1		20
	Chapter 7 bankruptcy	6		80	---		---
	Other	---		---	---		---
Total Junior-lien home equity		9	$	182	1	$	20

Other consumer:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	---		---
	Chapter 7 bankruptcy	1		94	---		---
	Other	---		---	---		---
Total Other consumer		1	$	94	---	$	---

Total troubled debt restructurings with subsequent redefault		86	$	6,920	71	$	5,609

		Troubled Debt Restructurings That Have Redefaulted⁽¹⁾
		Within One Year of Modification During The Nine Months Ended
		September 30, 2013			September 30, 2012


(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance


C&I - Owner occupied:
	Interest rate reduction	---	$	---	3	$	1,237
	Amortization or maturity date change	7		820	10		1,085
	Other	7		1,203	---		---
Total C&I - Owner occupied		14	$	2,023	13	$	2,322

C&I - Other commercial and industrial:
	Interest rate reduction	---	$	---	3	$	401
	Amortization or maturity date change	16		379	12		558
	Other	---		---	3		387
Total C&I - Other commercial and industrial		16	$	379	18	$	1,346

CRE - Retail Properties:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	3		835	2		372
	Other	---		---	---		---
Total CRE - Retail properties		3	$	835	2	$	372

CRE - Multi family:
	Interest rate reduction	---	$	---	2	$	1,236
	Amortization or maturity date change	2		225	1		117
	Other	---		---	---		---
Total CRE - Multi family		2	$	225	3	$	1,353

CRE - Office:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		1,131	---		---
	Other	---		---	---		---
Total CRE - Office		2	$	1,131	---	$	---

CRE - Industrial and Warehouse:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		361	---		---
	Other	1		726	---		---
Total CRE - Industrial and Warehouse		2	$	1,087	---	$	---

CRE - Other commercial real estate:
	Interest rate reduction	---	$	---	1	$	898
	Amortization or maturity date change	3		774	4		646
	Other	1		5	---		---
Total CRE - Other commercial real estate		4	$	779	5	$	1,544

Automobile:
	Interest rate reduction	1	$	112	4	$	---
	Amortization or maturity date change	28		294	123		---
	Chapter 7 bankruptcy	115		461	---		---
	Other	---		---	---		---
Total Automobile		144	$	867	127	$	---

Residential mortgage:
	Interest rate reduction	---	$	---	1	$	29
	Amortization or maturity date change	56		8,317	76		10,866
	Chapter 7 bankruptcy	46		3,826	17		1,761
	Other	2		418	5		523
Total Residential mortgage		104	$	12,561	99	$	13,179

First-lien home equity:
	Interest rate reduction	---	$	---	9	$	821
	Amortization or maturity date change	1		14	5		503
	Chapter 7 bankruptcy	11		942	---		---
	Other	---		---	---		---
Total First-lien home equity		12	$	956	14	$	1,324

Junior-lien home equity:
	Interest rate reduction	1	$	---	2	$	112
	Amortization or maturity date change	3		159	3		99
	Chapter 7 bankruptcy	26		649	---		---
	Other	---		---	---		---
Total Junior-lien home equity		30	$	808	5	$	211

Other consumer:
	Interest rate reduction	---	$	---	1	$	---
	Amortization or maturity date change	---		---	3		---
	Chapter 7 bankruptcy	2		96	---		---
	Other	---		---	---		---
Total Other consumer		2	$	96	4	$	---

Total troubled debt restructurings with subsequent redefault		335	$	21,747	290	$	21,651

(1)	Subsequent redefault is defined as a payment redefault within 12 months of the restructuring date. Payment redefault is defined as 90-days past due for any loan in any portfolio or class. Any loan in any portfolio or class may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.

Loans acquired with deteriorated credit quality

The following table presents a rollforward of the accretable yield for three-month and nine-month periods ended September 30, 2013 and 2012:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollar amounts in thousands)	2013		2012		2013		2012
Balance, beginning of period	$	32,705	$	24,761	$	23,251	$	---
Impact of acquisition/purchase on March 30, 2012		---		---		---		27,586
Additions		---		---		---		---
Accretion		(4,605)		(2,982)		(11,705)		(5,807)
Reclassification from nonaccretable difference		1,152		---		17,706		---
Balance, end of period	$	29,252	$	21,779	$	29,252	$	21,779

The following table reflects the outstanding balance of all contractually required payments and carrying amounts of the acquired loans at September 30, 2013 and December 31, 2012:


	September 30, 2013				December 31, 2012
(dollar amounts in thousands)		Ending Balance		Unpaid Balance		Ending Balance		Unpaid Balance
Commercial and industrial	$	43,638	$	63,023	$	54,472	$	80,294
Commercial real estate		89,246		172,618		126,923		226,093
Residential mortgage		2,287		3,619		2,243		4,104
Other consumer		127		223		140		245
Total	$	135,298	$	239,483	$	183,778	$	310,736