ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2011

The following tables summarize the changes in the allowance for credit losses by segment and class for the periods indicated:

	Six months ended
	June 30, 2011
	Balance,									Balance,
	Beginning of									End of
	Period		Charge-offs			Recoveries		Provision		Period
	(In thousands)
Commercial and industrial	$	22,479	$	(14,365	)	$	773	$	13,953	$	22,840
Real estate
Consumer mortgage		35,540		(4,889	)		363		6,031		37,045
Home equity		7,305		(2,473	)		91		2,697		7,620
Agricultural		4,997		(965	)		47		630		4,709
Commercial and industrial-owner occupied		20,403		(4,944	)		194		8,991		24,644
Construction, acquisition and development		59,048		(49,126	)		2,057		41,941		53,920
Commercial		33,439		(6,111	)		405		7,560		35,293
Credit Cards		4,126		(1,606	)		494		473		3,487
All other		9,576		(5,524	)		574		3,443		8,069
Total	$	196,913	$	(90,003	)	$	4,998	$	85,719	$	197,627

	Year ended
	December 31, 2010
	Balance,									Balance,
	Beginning of									End of
	Period		Charge-offs			Recoveries		Provision		Period
	(In thousands)
Commercial and industrial	$	21,154	$	(11,879	)	$	1,330	$	11,874	$	22,479
Real estate
Consumer mortgage		37,048		(16,280	)		1,448		13,324		35,540
Home equity		7,218		(5,215	)		179		5,123		7,305
Agricultural		4,192		(1,201	)		12		1,994		4,997
Commercial and industrial-owner occupied		22,989		(9,200	)		399		6,215		20,403
Construction, acquisition and development		46,193		(122,596	)		1,706		133,745		59,048
Commercial		26,694		(14,084	)		845		19,984		33,439
Credit Cards		3,481		(4,559	)		829		4,375		4,126
All other		7,074		(6,008	)		1,128		7,382		9,576
Total	$	176,043	$	(191,022	)	$	7,876	$	204,016	$	196,913

	Six months ended
	June 30, 2010
	Balance,									Balance,
	Beginning of									End of
	Period		Charge-offs			Recoveries		Provision		Period
	(In thousands)
Commercial and industrial	$	21,154	$	(7,275	)	$	305	$	8,334	$	22,518
Real estate
Consumer mortgage		37,048		(7,591	)		882		2,256		32,595
Home equity		7,218		(2,285	)		95		1,751		6,779
Agricultural		4,192		(680	)		-		255		3,767
Commercial and industrial-owner occupied		22,989		(6,310	)		51		5,803		22,533
Construction, acquisition and development		46,193		(49,090	)		267		70,935		68,305
Commercial		26,694		(4,871	)		39		6,781		28,643
Credit Cards		3,481		(2,523	)		369		1,984		3,311
All other		7,074		(3,117	)		562		7,774		12,293
Total	$	176,043	$	(83,742	)	$	2,570	$	105,873	$	200,744

The following tables provide the allowance for credit losses by segment, class and impairment status as of the dates indicated:

	June 30, 2011
	Recorded		Allowance for		Allowance for
	Balance of		Impaired Loans		All Other Loans		Total
	Impaired Loans		and Leases		and Leases		Allowance
	(In thousands)
Commercial and industrial	$	5,985	$	456	$	22,384	$	22,840
Real estate
Consumer mortgage		23,743		2,278		34,767		37,045
Home equity		670		39		7,581		7,620
Agricultural		7,316		1,729		2,980		4,709
Commercial and industrial-owner occupied		21,190		3,151		21,493		24,644
Construction, acquisition and development		197,031		27,721		26,199		53,920
Commercial		45,853		10,642		24,651		35,293
Credit Cards		-		-		3,487		3,487
All other		1,869		794		7,275		8,069
Total	$	303,657	$	46,810	$	150,817	$	197,627

	December 31, 2010
	Recorded		Allowance for		Allowance for
	Balance of		Impaired Loans		All Other Loans		Total
	Impaired Loans		and Leases		and Leases		Allowance
	(In thousands)
Commercial and industrial	$	2,136	$	125	$	22,354	$	22,479
Real estate
Consumer mortgage		28,223		4,226		31,314		35,540
Home equity		851		41		7,264		7,305
Agricultural		4,295		544		4,453		4,997
Commercial and industrial-owner occupied		16,073		1,361		19,042		20,403
Construction, acquisition and development		184,918		29,195		29,853		59,048
Commercial		36,207		5,227		28,212		33,439
Credit Cards		-		-		4,126		4,126
All other		702		-		9,576		9,576
Total	$	273,405	$	40,719	$	156,194	$	196,913