Loans and Allowance for Credit Losses

Loans, Net of Unearned Income

Loans, net of unearned income are summarized as follows:



	September 30, 2011			December 31, 2010
	(in thousands)
Real-estate – commercial mortgage	$	4,491,155		$	4,375,980
Commercial – industrial, financial and agricultural	3,690,164			3,704,384
Real-estate – home equity	1,630,880			1,641,777
Real-estate – residential mortgage	1,041,463			995,990
Real-estate – construction	648,398			801,185
Consumer	327,054			350,161
Leasing and other	59,337			61,017
Overdrafts	13,646			10,011
Loans, gross of unearned income	11,902,097			11,940,505
Unearned income	(6,442		)	(7,198		)
Loans, net of unearned income	$	11,895,655		$	11,933,307

Allowance for Credit Losses

The allowance for credit losses consists of the allowance for loan losses and the reserve for unfunded lending commitments. The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The reserve for unfunded lending commitments represents management’s estimate of losses inherent in its unfunded loan commitments and is recorded in other liabilities on the consolidated balance sheet. The allowance for credit losses is increased by charges to expense, through the provision for credit losses, and decreased by charge-offs, net of recoveries.

The Corporation’s established methodology for evaluating the adequacy of the allowance for loan losses considers both components of the allowance: (1) specific allowances allocated to loans evaluated individually for impairment under the Financial Accounting Standards Board’s (FASB) Accounting Standards Codification (ASC) Section 310-10-35, and (2) allowances calculated for pools of loans evaluated collectively for impairment under FASB ASC Subtopic 450-20.

Effective April 1, 2011, the Corporation revised and enhanced its allowance for credit loss methodology. The significant revisions to the methodology were as follows:

•

Change in the identification of loans evaluated individually for impairment – The population of loans evaluated individually for impairment was revised to include only loans on non-accrual status and impaired troubled debt restructurings (Impaired TDRs). Impaired TDRs represent TDRs that were: (1) modified via a change in the interest rate that, at the time of restructuring, was favorable in comparison to rates offered for loans with similar risk characteristics; or (2) 90 days or more past due according to their modified terms; or (3) modified in the current year.

Under the Corporation’s prior methodology, loans evaluated individually for impairment included accruing and non-accrual commercial loans, commercial mortgages and construction loans with risk ratings of substandard or worse and Impaired TDRs.

As of April 1, 2011, the balance of loans evaluated individually for impairment decreased from $525.6 million under the Corporation’s prior methodology to $335.6 million under the new methodology. The allowance allocations for loans evaluated individually for impairment decreased from $106.0 million under the Corporation’s prior methodology to $88.0 million under the new methodology.

•

Quarterly evaluations of impaired loans – Due to the reduction in loans evaluated individually for impairment noted above, all loans evaluated individually for impairment are now measured for losses on a quarterly basis. Measurement may be on a more frequent basis if there is a significant change in the amount or timing of an impaired loan’s expected future cash flows, if actual cash flows are significantly different from the cash flows previously projected, or if the fair value of an impaired loan’s collateral significantly changes. In addition, the Corporation implemented a new appraisal policy which requires that impaired loans secured predominately by real estate have updated certified third-party appraisals, generally every 12 months.

Under the Corporation’s prior methodology, impaired loans were individually evaluated for impairment every 12 months or, if necessary, on a more frequent basis based on significant changes in expected future cash flows or significant changes in collateral values. For impaired loans secured predominately by real estate, decisions regarding whether an updated certified appraisal was necessary were made on a loan-by-loan basis.

As of September 30, 2011, approximately 83% of impaired loans with principal balances greater than $1.0 million, whose primary collateral is real estate, were measured at estimated fair value using certified third-party appraisals that had been updated within the preceding 12 months. In comparison, as of March 31, 2011 and December 31, 2010, approximately 57% and 52%, respectively, of impaired loans with principal balances greater than $1.0 million, whose primary collateral is real estate, were measured at estimated fair value using certified third-party appraisals that had been updated within the preceding 12 months.

•

Change in the determination of allocation needs on loans evaluated collectively for impairment – Under its new methodology, the Corporation revised and further disaggregated its pools of loans evaluated collectively for impairment. Similar to the prior methodology, pools are segmented by general loan types, and further segmented by collateral types, where appropriate. However, under the new methodology, pools are further disaggregated by internal credit risk ratings for commercial loans, commercial mortgages and construction loans and by delinquency status for residential mortgages, consumer loans and all other loan types.

Allowance allocations for each pool are determined through a regression analysis based on historical losses. The analysis computes loss rates based on a probability of default (PD) and loss given default (LGD). While the previous methodology utilized the same historical loss period, allowance allocations were computed based on weighted average charge-off rates as opposed to the use of a regression analysis, which computes PDs and LGDs based on historical losses as loans migrate through the various risk rating or delinquency categories.

Under both the current and previous methodologies, loss rates are adjusted to consider qualitative factors such as economic conditions and trends, among others. However, under its new methodology, the Corporation applies a more detailed analysis of qualitative factors that are formally assessed on a quarterly basis by a committee comprised of lending and credit administration personnel.

As of April 1, 2011, total allocations on $11.5 billion of loans evaluated collectively for impairment under the new methodology were $182.2 million. In comparison, under the Corporation’s previous methodology, total allocations on $11.3 billion of loans evaluated collectively for impairment were $164.2 million.

The Corporation’s conclusion as of March 31, 2011 that its total allowance for credit losses of $271.2 million was sufficient to cover losses inherent in the loan portfolio did not change as a result of its new allowance for credit loss methodology. As noted above, the change in methodology expanded the number of loans evaluated collectively for impairment and reduced the number of loans evaluated individually for impairment. In addition, the change in methodology resulted in shifts in allocations by loan type, as detailed within the tabular information below.

Effective December 31, 2010, the Corporation adopted the provisions of FASB ASC Update 2010-20, “Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses” (ASC Update 2010-20), for period end disclosures related to the credit quality of loans. In 2011, the Corporation adopted certain additional disclosure requirements of ASC Update 2010-20 related to credit quality activity during a reporting period, in this case for the three and nine months ended September 30, 2011.

The development of the Corporation’s allowance for loan losses is based first on a segmentation of its loan portfolio by general loan type, or “portfolio segments,” as presented in the table under the heading, “Loans, Net of Unearned Income,” above. Certain portfolio segments are further disaggregated and evaluated collectively for impairment based on “class segments,” which are largely based on the type of collateral underlying each loan. For commercial loans, class segments include loans secured by collateral and unsecured loans. Construction loan class segments include loans secured by commercial real estate and loans secured by residential real estate. Consumer loan class segments are based on collateral types and include direct consumer installment loans and indirect automobile loans.

The following table presents the components of the allowance for credit losses:



	September 30, 2011		December 31, 2010
	(in thousands)
Allowance for loan losses	$	266,978	$	274,271
Reserve for unfunded lending commitments	1,839		1,227
Allowance for credit losses	$	268,817	$	275,498

The following table presents the activity in the allowance for credit losses for the three and nine months ended September 30:



	Three Months Ended September 30						Nine Months Ended September 30
	2011			2010			2011			2010
	(in thousands)
Balance at beginning of period	$	268,633		$	280,377		$	275,498		$	257,553
Loans charged off	(32,897		)	(38,797		)	(119,101		)	(100,321		)
Recoveries of loans previously charged off	2,081			3,294			7,420			7,642
Net loans charged off	(30,816		)	(35,503		)	(111,681		)	(92,679		)
Provision for credit losses	31,000			40,000			105,000			120,000
Balance at end of period	$	268,817		$	284,874		$	268,817		$	284,874

The following tables present the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2011:



	Real Estate - Commercial Mortgage			Commercial - Industrial, Financial and Agricultural			Real Estate - Home Equity			Real Estate - Residential Mortgage			Real Estate - Construction			Consumer			Leasing and other and Overdrafts			Unallocated			Total
	(in thousands)
Three months ended September 30, 2011
Balance at July 1, 2011	$	73,598		$	82,613		$	9,560		$	31,912		$	30,570		$	1,755		$	1,787		$	34,888		$	266,683
Loans charged off	(5,730		)	(14,840		)	(1,158		)	(1,514		)	(8,535		)	(634		)	(486		)	—			(32,897		)
Recoveries of loans previously charged off	249			695			23			36			595			291			192			—			2,081
Net loans charged off	(5,481		)	(14,145		)	(1,135		)	(1,478		)	(7,940		)	(343		)	(294		)	—			(30,816		)
Provision for loan losses (1)	13,066			11,669			1,418			2,902			10,415			2,990			768			(12,117		)	31,111
Balance at September 30, 2011	$	81,183		$	80,137		$	9,843		$	33,336		$	33,045		$	4,402		$	2,261		$	22,771		$	266,978

Nine months ended September 30, 2011
Balance at January 1, 2011	$	40,831		$	101,436		$	6,454		$	17,425		$	58,117		$	4,669		$	3,840		$	41,499		$	274,271
Loans charged off	(22,851		)	(43,582		)	(4,276		)	(14,217		)	(29,897		)	(2,606		)	(1,672		)	—			(119,101		)
Recoveries of loans previously charged off	1,975			2,089			26			270			1,237			1,033			790			—			7,420
Net loans charged off	(20,876		)	(41,493		)	(4,250		)	(13,947		)	(28,660		)	(1,573		)	(882		)	—			(111,681		)
Provision for loan losses	38,345			33,582			3,949			21,962			28,359			4,382			247			(26,438		)	104,388
Impact of change in allowance methodology	22,883			(13,388		)	3,690			7,896			(24,771		)	(3,076		)	(944		)	7,710			—
Provision for loan losses, including impact of change in allowance methodology (1)	61,228			20,194			7,639			29,858			3,588			1,306			(697		)	(18,728		)	104,388
Balance at September 30, 2011	$	81,183		$	80,137		$	9,843		$	33,336		$	33,045		$	4,402		$	2,261		$	22,771		$	266,978


(1)	Provision for loan losses is net of a $111,000 decrease and $612,000 increase in provision applied to unfunded commitments for the three and nine months ended September 30, 2011, respectively. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $31.0 million and $105.0 million for the three and nine months ended September 30, 2011, respectively.

The following tables present loans, net of unearned income and their related allowance for loan losses, by portfolio segment, as of September 30, 2011 and December 31, 2010:



	Real Estate - Commercial Mortgage		Commercial - Industrial, Financial and Agricultural		Real Estate - Home Equity		Real Estate - Residential Mortgage		Real Estate - Construction		Consumer		Leasing and other and Overdrafts		Unallocated (1)		Total
	(in thousands)
Allowance for loan losses at September 30, 2011:
Evaluated collectively for impairment under FASB ASC Subtopic 450-20	$	47,914	$	51,510	$	9,843	$	7,142	$	20,480	$	1,773	$	2,205	$	22,771	$	163,638
Evaluated individually for impairment under FASB ASC Section 310-10-35	33,269		28,627		—		26,194		12,565		2,629		56		N/A		103,340
	$	81,183	$	80,137	$	9,843	$	33,336	$	33,045	$	4,402	$	2,261	$	22,771	$	266,978

Loans, net of unearned income at September 30, 2011:
Evaluated collectively for impairment under FASB ASC Subtopic 450-20	$	4,377,383	$	3,603,914	$	1,630,880	$	975,463	$	596,581	$	322,113	$	66,455	N/A		$	11,572,789
Evaluated individually for impairment under FASB ASC Section 310-10-35	113,772		86,250		—		66,000		51,817		4,941		86		N/A		322,866
	$	4,491,155	$	3,690,164	$	1,630,880	$	1,041,463	$	648,398	$	327,054	$	66,541	N/A		$	11,895,655

Allowance for loan losses at December 31, 2010:
Evaluated collectively for impairment under FASB ASC Subtopic 450-20	$	22,836	$	32,323	$	6,454	$	11,475	$	35,247	$	4,669	$	3,840	$	41,499	$	158,343
Evaluated individually for impairment under FASB ASC Section 310-10-35	17,995		69,113		—		5,950		22,870		—		—		N/A		115,928
	$	40,831	$	101,436	$	6,454	$	17,425	$	58,117	$	4,669	$	3,840	$	41,499	$	274,271

Loans, net of unearned income at December 31, 2010:
Evaluated collectively for impairment under FASB ASC Subtopic 450-20	$	4,217,660	$	3,469,775	$	1,641,777	$	956,260	$	660,238	$	350,161	$	63,830	N/A		$	11,359,701
Evaluated individually for impairment under FASB ASC Section 310-10-35	158,320		234,609		—		39,730		140,947		—		—		N/A		573,606
	$	4,375,980	$	3,704,384	$	1,641,777	$	995,990	$	801,185	$	350,161	$	63,830	N/A		$	11,933,307


(1)	The Corporation’s unallocated allowance, which was approximately 9% and 15% as of September 30, 2011 and December 31, 2010, respectively, was reasonable and appropriate as the estimates used in the allocation process are inherently imprecise.

N/A – Not applicable.

Impaired Loans

A loan is considered to be impaired if the Corporation believes it is probable that all amounts will not be collected according to the contractual terms of the loan agreement.

An allowance for loan losses is established for an impaired loan if its carrying value exceeds its estimated fair value. Impaired loans with balances greater than $1.0 million are evaluated individually for impairment. As of September 30, 2011 and December 31, 2010, substantially all of the Corporation’s individually evaluated impaired loans were measured based on the estimated fair value of each loan’s collateral. Collateral could be in the form of real estate in the case of impaired commercial mortgages, construction loans and residential mortgages, or business assets, such as accounts receivable or inventory, in the case of commercial loans. Commercial loans may also be secured by real property.

Impaired loans with balances less than $1.0 million are pooled and measured for impairment based on a statistical model which applies PDs and LGDs based on actual losses as loans migrate through the various risk rating or delinquency categories. These loans are included within the detail of impaired loans below.

The following table presents total impaired loans by class segment:



							Three Months Ended				Nine Months Ended
	September 30, 2011						September 30, 2011				September 30, 2011				December 31, 2010
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized (1)		Average Recorded Investment		Interest Income Recognized		Unpaid Principal Balance		Recorded Investment		Related Allowance
	(in thousands)
With no related allowance recorded:
Real estate - commercial mortgage	$	46,841	$	39,132	N/A		$	40,448	$	78	$	43,915	$	568	$	68,583	$	54,251	N/A
Commercial - secured	37,193		33,334		N/A		34,474		10		31,426		171		38,366		27,745		N/A
Commercial - unsecured	300		297		N/A		149		—		221		3		710		587		N/A
Real estate - residential mortgage	—		—		N/A		—		—		5,303		43		21,598		21,212		N/A
Construction - commercial residential	43,455		19,617		N/A		18,528		1		23,154		185		69,624		32,354		N/A
Construction - commercial	2,607		2,318		N/A		2,902		—		2,911		21		5,637		2,125		N/A
Consumer - direct	199		199		N/A		100		—		50		—		—		—		N/A
	130,595		94,897				96,601		89		106,980		991		204,518		138,274
With a related allowance recorded:
Real estate - commercial mortgage	93,967		74,640		$	33,269	73,076		140		79,898		1,129		111,190		104,069		$	17,995
Commercial - secured	62,315		51,078		27,410		51,851		14		86,061		1,213		202,824		197,674		64,922
Commercial - unsecured	1,874		1,541		1,217		2,231		1		4,132		34		8,681		8,603		4,191
Real estate - residential mortgage	66,000		66,000		26,194		66,892		462		57,033		1,039		18,518		18,518		5,950
Construction - commercial residential	50,861		27,751		11,493		31,132		1		53,004		449		110,465		103,826		22,155
Construction - commercial	3,303		1,132		511		718		—		1,100		17		2,642		2,642		715
Construction - other	999		999		561		1,556		—		1,093		—		—		—		—
Consumer - direct	4,742		4,742		2,629		2,477		—		1,260		2		—		—		—
Leasing and other and Overdrafts	86		86		56		89		—		60		—		—		—		—
	284,147		227,969		103,340		230,022		618		283,641		3,883		454,320		435,332		115,928
Total	$	414,742	$	322,866	$	103,340	$	326,623	$	707	$	390,621	$	4,874	$	658,838	$	573,606	$	115,928


(1)	Effective April 1, 2011, all impaired loans, excluding certain accruing TDRs, were non-accrual loans. Interest income recognized for the three and nine months ended September 30, 2011 represents amounts earned on accruing TDRs.

N/A – Not applicable.

As of September 30, 2011 and December 31, 2010, there were $94.9 million and $138.3 million, respectively, of impaired loans that did not have a related allowance for loan loss. The estimated fair values of the collateral for these loans exceeded their carrying amount and, accordingly, no specific valuation allowance was considered to be necessary.

For 2010, the total average recorded investment in impaired loans was approximately $772.3 million. The Corporation generally applies all payments received on non-accruing impaired loans to principal until such time as the principal is paid off, after which time any additional payments received are recognized as interest income. For 2010, the Corporation recognized interest income of approximately $27.4 million on impaired loans.

Credit Quality Indicators and Non-performing Assets

The following table presents internal credit risk ratings for commercial loans, commercial mortgages and certain construction loans, by class segment:



	Pass				Special Mention				Substandard or Lower				Total
	September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010
	(in thousands)
Real estate - commercial mortgage	$	3,953,387	$	3,776,714	$	214,970	$	306,926	$	322,798	$	292,340	$	4,491,155	$	4,375,980
Commercial - secured	2,986,086		2,903,184		175,459		244,927		295,096		323,187		3,456,641		3,471,298
Commercial -unsecured	218,244		211,298		3,951		14,177		11,328		7,611		233,523		233,086
Total Commercial - industrial, financial and agricultural	3,204,330		3,114,482		179,410		259,104		306,424		330,798		3,690,164		3,704,384
Construction - commercial residential	176,628		251,159		39,947		84,774		143,791		156,966		360,366		492,899
Construction - commercial	213,309		222,357		7,691		10,221		12,633		11,859		233,633		244,437
Total Real estate - construction (excluding Construction - other)	389,937		473,516		47,638		94,995		156,424		168,825		593,999		737,336
	$	7,547,654	$	7,364,712	$	442,018	$	661,025	$	785,646	$	791,963	$	8,775,318	$	8,817,700

The following table presents a summary of delinquency and non-performing status for home equity, residential mortgages, real estate - construction - other and consumer loans by class segment:



	Performing				Delinquent (1)				Non-performing (2)				Total
	September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010		September 30, 2011		December 31, 2010
	(in thousands)
Real estate - home equity	$	1,606,705	$	1,619,684	$	12,078	$	11,905	$	12,097	$	10,188	$	1,630,880	$	1,641,777
Real estate - residential mortgage	961,912		909,247		31,465		36,331		48,086		50,412		1,041,463		995,990
Real estate - construction - other	49,580		60,956		3,431		—		1,388		2,893		54,399		63,849
Consumer - direct	36,326		45,942		681		935		347		212		37,354		47,089
Consumer - indirect	155,555		166,531		2,085		2,275		125		290		157,765		169,096
Consumer - other	126,594		129,911		3,199		2,413		2,142		1,652		131,935		133,976
Total Consumer	318,475		342,384		5,965		5,623		2,614		2,154		327,054		350,161
Leasing and other and Overdrafts	65,666		63,087		763		516		112		227		66,541		63,830
	$	3,002,338	$	2,995,358	$	53,702	$	54,375	$	64,297	$	65,874	$	3,120,337	$	3,115,607


(1)	Includes all accruing loans 31 days to 89 days past due.


(2)	Includes all accruing loans 90 days or more past due and all non-accrual loans.

The following table presents non-performing assets:



	September 30, 2011		December 31, 2010
	(in thousands)
Non-accrual loans	$	269,176	$	280,688
Loans 90 days past due and accruing	41,427		48,084
Total non-performing loans	310,603		328,772
Other real estate owned (OREO)	37,399		32,959
Total non-performing assets	$	348,002	$	361,731

Effective July 1, 2011, the Corporation adopted the provisions of ASC Update 2011-02, “A Creditor’s Determination of Whether a Restructuring Is a Troubled Debt Restructuring” (ASC Update 2011-02). ASC Update 2011-02 provides clarifying guidance for creditors when evaluating whether a restructuring constitutes a troubled debt restructuring. ASC Update 2011-02 provides additional guidance for when a creditor has granted a concession and whether a debtor is experiencing financial difficulty. This standards update was effective for the first interim or annual period beginning on or after June 15, 2011, and was applied retrospectively to January 1, 2011. The adoption of ASC Update 2011-02 did not impact the Corporation’s financial statements.

The following table presents TDRs, by class segment:



	September 30, 2011		December 31, 2010
	(in thousands)
Real-estate – residential mortgage	$	36,113	$	37,826
Real-estate – commercial mortgage	23,419		18,778
Real-estate – construction	5,871		5,440
Commercial – industrial, financial and agricultural	2,229		5,502
Consumer	194		263
Total accruing TDRs	67,826		67,809
Non-accrual TDRs (1)	49,432		51,175
Total TDRs	$	117,258	$	118,984


(1)	Included within non-accrual loans in table detailing non-performing assets above.

As of September 30, 2011 and December 31, 2010, there were $169,000 and $1.6 million, respectively, of commitments to lend additional funds to borrowers whose loans were modified under TDRs.

The following table presents loans modified as TDRs during the three and nine months ended September 30, 2011 by class segment:



	Three Months Ended September 30, 2011			Nine Months Ended September 30, 2011
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
	(dollars in thousands)
Construction - commercial residential	2	$	5,792	2	$	5,792
Real estate - commercial mortgage	8	2,702		20	16,482
Commercial - secured	5	925		7	1,947
Real estate - residential mortgage	1	217		12	3,088
	16	$	9,636	41	$	27,309

The following table presents loans modified as TDRs within the previous 12 months which had a payment default during the three and nine months ended September 30, 2011, by class segment:



	Three Months Ended September 30, 2011			Nine Months Ended September 30, 2011
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
	( dollars in thousands)
Construction - commercial residential	2	$	5,792	2	$	5,792
Real estate - commercial mortgage	2	1,134		11	11,873
Real estate - residential mortgage	1	217		9	1,977
Commercial - secured	—	—		1	23
	5	$	7,143	23	$	19,665

The following table presents past due status and non-accrual loans by portfolio segment and class segment:



	September 30, 2011
	31-59 Days Past Due		60-89 Days Past Due		≥ 90 Days Past Due and Accruing		Non- accrual		Total ≥ 90 Days		Total Past Due		Current		Total
	(in thousands)
Real estate - commercial mortgage	$	24,083	$	13,672	$	4,890	$	98,038	$	102,928	$	140,683	$	4,350,472	$	4,491,155
Commercial - secured	10,365		9,471		7,879		82,602		90,481		110,317		3,346,324		3,456,641
Commercial - unsecured	755		313		66		1,838		1,904		2,972		230,551		233,523
Total Commercial - industrial, financial and agricultural	11,120		9,784		7,945		84,440		92,385		113,289		3,576,875		3,690,164
Real estate - home equity	9,369		2,709		7,432		4,665		12,097		24,175		1,606,705		1,630,880
Real estate - residential mortgage	19,744		11,721		17,975		30,111		48,086		79,551		961,912		1,041,463
Construction - commercial residential	1,315		3,285		432		47,111		47,543		52,143		308,223		360,366
Construction - commercial	122		128		—		3,450		3,450		3,700		229,933		233,633
Construction - other	3,431		—		390		998		1,388		4,819		49,580		54,399
Total Real estate - construction	4,868		3,413		822		51,559		52,381		60,662		587,736		648,398
Consumer - direct	478		203		70		277		347		1,028		36,326		37,354
Consumer - indirect	1,741		344		125		—		125		2,210		155,555		157,765
Consumer - other	1,992		1,207		2,142		—		2,142		5,341		126,594		131,935
Total Consumer	4,211		1,754		2,337		277		2,614		8,579		318,475		327,054
Leasing and other and Overdrafts	548		215		26		86		112		875		65,666		66,541
	$	73,943	$	43,268	$	41,427	$	269,176	$	310,603	$	427,814	$	11,467,841	$	11,895,655

	December 31, 2010
	31-59 Days Past Due		60-89 Days Past Due		≥ 90 Days Past Due and Accruing		Non- accrual		Total ≥ 90 Days		Total Past Due		Current		Total
	(in thousands)
Real estate - commercial mortgage	$	15,898	$	8,491	$	6,744	$	86,976	$	93,720	$	118,109	$	4,257,871	$	4,375,980
Commercial - secured	5,274		6,837		13,374		72,162		85,536		97,647		3,373,651		3,471,298
Commercial - unsecured	629		553		731		1,188		1,919		3,101		229,985		233,086
Total Commercial - industrial, financial and agricultural	5,903		7,390		14,105		73,350		87,455		100,748		3,603,636		3,704,384
Real estate - home equity	8,138		3,767		10,024		164		10,188		22,093		1,619,684		1,641,777
Real estate - residential mortgage	24,237		12,094		13,346		37,066		50,412		86,743		909,247		995,990
Construction - commercial residential	3,872		3,401		884		75,552		76,436		83,709		409,190		492,899
Construction - commercial	—		—		195		5,092		5,287		5,287		239,150		244,437
Construction - other	—		—		491		2,402		2,893		2,893		60,956		63,849
Total Real estate - construction	3,872		3,401		1,570		83,046		84,616		91,889		709,296		801,185
Consumer - direct	707		228		212		—		212		1,147		45,942		47,089
Consumer - indirect	1,916		359		290		—		290		2,565		166,531		169,096
Consumer - other	1,751		662		1,638		14		1,652		4,065		129,911		133,976
Total Consumer	4,374		1,249		2,140		14		2,154		7,777		342,384		350,161
Leasing and other and Overdrafts	473		43		155		72		227		743		63,087		63,830
	$	62,895	$	36,435	$	48,084	$	280,688	$	328,772	$	428,102	$	11,505,205	$	11,933,307