Loans And Leases

9 Months Ended

Sep. 30, 2011

Loans And Leases [Abstract]

Loans And Leases

NOTE 4. Loans and Leases

Loans and Leases, Net of Unearned Income

		$0000000000000		$0000000000000
	September 30, 2011		December 31, 2010
Commercial, financial, and agricultural	$	1,810,664	$	1,816,519
Real estate - construction		771,734		877,223
Real estate secured - residential		2,728,934		2,666,692
Real estate secured - commercial		3,013,787		2,998,176
Consumer		698,804		603,084
Leases		678,746		671,503
Total loans and leases	$	9,702,669	$	9,633,197
Nonaccrual loans and leases	$	160,099	$	196,895
Loans and leases contractually past due 90 days and still accruing		13,034		20,588
Troubled debt restructurings		62,331		114,566

Net Investment in Direct Financing Leases

		$0000000000000			$0000000000000
	September 30, 2011			December 31, 2010
Minimum lease payments receivable	$	485,086		$	461,569
Estimated residual value of leases		263,608			276,911
Unearned income under lease contracts		(69,948	)		(66,977	)
Total leases	$	678,746		$	671,503

Allowance for Credit Losses and Recorded Investment in Financing Receivables

Three Months Ended September 30, 2011

	Commercial			Real Estate - Construction			Real Estate Secured - Residential			Real Estate Secured - Commercial			Consumer			Leases			Unallocated			Total
Allowance for credit losses:
Balance at July 1, 2011	$	29,358		$	44,432		$	29,990		$	72,554		$	2,755		$	10,091		$	112		$	189,292
Charge-offs		(6,445	)		(7,227	)		(5,476	)		(6,712	)		(483	)		(1,084	)					(27,427	)
Recoveries		1,123			738			214			1,100			582			338						4,095
Provision		4,557			3,015			4,991			11,072			634			774			(43	)		25,000
Balance at September 30, 2011	$	28,593		$	40,958		$	29,719		$	78,014		$	3,488		$	10,119		$	69		$	190,960

Nine Months Ended September 30, 2011

	Commercial			Real Estate - Construction			Real Estate Secured - Residential			Real Estate Secured - Commercial			Consumer			Leases			Unallocated		Total
Allowance for credit losses:
Balance at January 1, 2011	$	31,608		$	50,250		$	28,320		$	70,137		$	2,841		$	8,643		$	35	$	191,834
Charge-offs		(21,386	)		(27,189	)		(15,604	)		(33,446	)		(3,175	)		(4,224	)				(105,024	)
Recoveries		3,226			6,194			1,497			2,925			1,128			1,180					16,150
Provision		15,145			11,703			15,506			38,398			2,694			4,520			34		88,000
Balance at September 30, 2011	$	28,593		$	40,958		$	29,719		$	78,014		$	3,488		$	10,119		$	69	$	190,960
Balance at September 30, 2011:
Individually evaluated for impairment	$	3,064		$	1,478		$	2,550		$	10,368		$	148		$	0				$	17,608
Collectively evaluated for impairment	$	25,528		$	39,481		$	27,169		$	67,646		$	3,340		$	10,119		$	69	$	173,352
Financing receivables:
Balance at September 30, 2011	$	1,810,664		$	771,734		$	2,728,934		$	3,013,787		$	698,804		$	678,746				$	9,702,669
Balance at September 30, 2011:
Individually evaluated for impairment	$	18,041		$	37,296		$	27,836		$	86,330		$	148		$	0				$	169,651
Collectively evaluated for impairment	$	1,792,623		$	734,438		$	2,701,098		$	2,927,457		$	698,656		$	678,746				$	9,533,018

Credit Quality Indicators at September 30, 2011

Commercial Credit Exposure

Credit-risk Profile by Internally Assigned Grade

	Commercial		Real Estate - Construction (1)		Real Estate - Secured - Commercial (2)		Total Commercial Credit Exposure
Grade:
Pass (3)	$	1,696,175	$	540,132	$	3,183,504	$	5,419,811
Special mention (4)		45,237		72,082		156,283		273,602
Substandard (5)		69,253		85,074		248,967		403,294
Total	$	1,810,665	$	697,288	$	3,588,754	$	6,096,707

Other Credit Exposure

Credit-risk Profile based on Payment Activity

	Real Estate - Secured - Residential		Consumer		Leases		Total Other Credit Exposure
Performing	$	2,194,280	$	697,104	$	676,496	$	3,567,880
Nonperforming (6)		34,133		1,701		2,248		38,082
Total	$	2,228,413	$	698,805	$	678,744	$	3,605,962

Credit Quality Indicators at December 31, 2010

Commercial Credit Exposure

Credit-risk Profile by Internally Assigned Grade

	Commercial		Real Estate - Construction (1)		Real Estate - Secured - Commercial (2)		Total Commercial Credit Exposure
Grade:
Pass (3)	$	1,677,506	$	612,330	$	3,134,762	$	5,424,598
Special mention (4)		59,988		64,283		201,833		326,104
Substandard (5)		79,025		125,672		280,287		484,984
Total	$	1,816,519	$	802,285	$	3,616,882	$	6,235,686

Other Credit Exposure

Credit-risk Profile based on Payment Activity

	Real Estate - Secured - Residential		Consumer		Leases		Total Other Credit Exposure
Performing	$	2,085,067	$	600,627	$	667,936	$	3,353,630
Nonperforming (6)		37,857		2,457		3,567		43,881
Total	$	2,122,924	$	603,084	$	671,503	$	3,397,511

(1) Includes only construction loans granted to commercial customers. Construction loans for individuals are included in Real Estate – Secured – Residential, below.

(2) Includes loans obtained for commercial purposes that are also secured by residential real estate.

(3) Includes loans of acceptable risk. Possibility of loss is considered unlikely.

(4) Includes loans considered potentially weak; however, no loss of principal or interest is anticipated.

(5) Includes loans that are inadequately protected by the current net-worth and paying capacity of the borrower or by the collateral pledged, if any. Loss of principal or interest is considered reasonably possible or likely.

(6) Includes loans that are on non-accrual status or past due 90 days or more.

Age Analysis of Past Due Financing Receivables as of September 30, 2011

Financing Receivables that are Accruing

		$00000000		$00000000		$00000000		$00000000		$00000000		$00000000
	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Financing Receivables
Commercial	$	5,784	$	5,775	$	1,090	$	12,649	$	1,783,594	$	1,796,243
Real estate - construction		113		0		900		1,013		733,234		734,247
Real estate secured - residential		7,664		5,867		7,577		21,108		2,666,588		2,687,696
Real estate secured - commercial		4,118		913		1,093		6,124		2,942,286		2,948,410
Consumer		4,748		1,307		1,701		7,756		691,048		698,804
Leases		2,102		1,106		673		3,882		673,288		677,170
Total	$	24,529	$	14,968	$	13,034	$	52,532	$	9,490,038	$	9,542,570

Financing Receivables that are Nonaccruing

		$00000000		$00000000		$00000000		$00000000		$00000000		$00000000
	30-59 Days Past  Due		60-89 Days Past  Due		Greater than 90 Days		Total Past  Due		Current		Total Financing Receivables
Commercial	$	374	$	1,106	$	7,081	$	8,561	$	5,860	$	14,421
Real estate - construction		0		0		36,994		36,994		493		37,487
Real estate secured - residential		684		580		27,472		28,737		12,501		41,238
Real estate secured - commercial		3,889		410		39,839		44,137		21,240		65,377
Leases		0		102		501		604		972		1,576
Total	$	4,947	$	2,198	$	111,887	$	119,033	$	41,066	$	160,099

Age Analysis of Past Due Financing Receivables, as of December 31, 2010

Financing Receivables that are Accruing

		$000000000		$000000000		$000000000		$000000000		$000000000		$000000000
	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Financing Receivables
Commercial	$	12,808	$	5,190	$	947	$	18,945	$	1,777,563	$	1,796,507
Real estate - construction		2,466		2,845		751		6,062		813,382		819,444
Real estate secured - residential		18,466		6,923		12,724		38,113		2,577,605		2,615,719
Real estate secured - commercial		12,324		8,384		2,961		23,669		2,909,195		2,932,863
Consumer		6,385		828		2,455		9,668		593,415		603,083
Leases		5,274		3,126		750		9,150		659,536		668,686
Total	$	57,723	$	27,296	$	20,588	$	105,607	$	9,330,696	$	9,436,302

Financing Receivables that are Nonaccruing

		$000000000		$000000000		$000000000		$000000000		$000000000		$000000000
	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Financing Receivables
Commercial	$	1,392	$	365	$	14,227	$	15,983	$	4,029	$	20,012
Real estate - construction		2,418		2,513		45,417		50,348		7,431		57,779
Real estate secured - residential		2,196		615		36,479		39,290		11,683		50,973
Real estate secured - commercial		8,812		4,666		38,947		52,425		12,888		65,313
Consumer		0		0		0		0		1		1
Leases		0		178		1,461		1,639		1,178		2,817
Total	$	14,818	$	8,337	$	136,531	$	159,685	$	37,210	$	196,895

Impaired Loans at September 30, 2011

	Unpaid Principal Balance			Related Allowance		Average Unpaid Principal Balance		Interest Income Recognized
Impaired loans without a related reserve:
Commercial, financial, and agricultural	$	10,885				$	12,592	$	239
Real estate - construction		24,699					29,589		187
Real estate secured - residential		16,294					15,771		444
Real estate secured - commercial		37,993					43,324		794
Consumer		0					49		4
Total impaired loans without a related reserve		89,871	(1)				101,325		1,668
Impaired loans with a related reserve:
Commercial, financial, and agricultural		7,156		$	3,064		9,787		206
Real estate - construction		12,597			1,478		23,254		150
Real estate secured - residential		11,541			2,550		15,555		351
Real estate secured - commercial		48,338			10,368		59,747		1,341
Consumer		148			148		49		2
Total impaired loans with a related reserve		79,780	(2)		17,608		108,392		2,050
Total impaired loans:
Commercial, financial, and agricultural		18,041			3,064		22,379		445
Real estate - construction		37,296			1,478		52,843		337
Real estate secured - residential		27,835			2,550		31,326		795
Real estate secured - commercial		86,331			10,368		103,071		2,135
Consumer		148			148		98		6
Total impaired loans	$	169,651		$	17,608	$	209,717	$	3,718

(1) $51,792 of the $89,871 total impaired loans without a related reserve represents loans which had been written down to the fair value of the collateral through direct charge-offs of $56,177.

(2) Charge-offs related to these loans totaled $23,941.

Impaired Loans at December 31, 2010

	Unpaid Principal Balance			Related Allowance		Average Unpaid Principal Balance		Interest Income Recognized
Impaired loans without a related reserve:
Commercial, financial, and agricultural	$	10,071				$	24,816	$	907
Real estate - construction		31,827					43,857		652
Real estate secured - residential		10,624					10,703		594
Real estate secured - commercial		59,953					50,434		1,591
Consumer		264					100		3
Total impaired loans without a related reserve		112,739	(1)				129,910		3,747
Impaired loans with a related reserve:
Commercial, financial, and agricultural		15,497		$	6,343		20,078		406
Real estate - construction		31,483			6,986		39,053		307
Real estate secured - residential		16,331			3,273		13,245		470
Real estate secured - commercial		70,606			13,627		60,766		1,747
Consumer		198			68		222		13
Total impaired loans with a related reserve		134,115	(2)		30,297		133,364		2,943
Total impaired loans:
Commercial, financial, and agricultural		25,568			6,343		44,894		1,313
Real estate - construction		63,310			6,986		82,910		959
Real estate secured - residential		26,955			3,273		23,948		1,064
Real estate secured - commercial		130,559			13,627		111,200		3,338
Consumer		462			68		322		16
Total impaired loans	$	246,854		$	30,297	$	263,274	$	6,690

(1) $67,496 of the $112,739 total impaired loans without a related reserve represents loans which had been written down to the fair value of the collateral through direct charge-offs of $65,617.

(2) Charge-offs related to these loans totaled $39,962.

Financing Receivables on Nonaccrual Status

	September 30, 2011		December 31, 2010
Commercial, financial, and agricultural	$	14,421	$	20,012
Real estate - construction		37,487		57,779
Real estate secured - residential		41,238		50,973
Real estate secured - commercial		65,377		65,313
Consumer		0		1
Leases		1,576		2,817
Total nonaccrual financing receivables	$	160,099	$	196,895

Modifications For the Nine Months Ended September 30, 2011

	Number of Loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial, financial, and agricultural		1	$	500	$	469
Real estate secured - residential		32		6,417		6,276
Real estate secured - commercial		5		5,755		5,703
Consumer		2		148		148

	Number of Loans		Recorded Investment
Troubled Debt Restructurings that
Subsequently Defaulted
Commercial, financial, and agricultural		2	$	2,462
Real estate - construction		2		354
Real estate secured - residential		1		118
Real estate secured - commercial		6		17,051
Consumer		1		484