ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2013

ALLOWANCE FOR CREDIT LOSSES [Abstract]

Allowance for Credit Losses by Segment, Class and Impairment Status

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

	Three months ended
	March 31, 2013
	Balance,										Balance,
	Beginning of										End of
	Period		Charge-offs			Recoveries		Provision			Period
	(In thousands)
Commercial and industrial	$	23,286	$	(1,938	)	$	589	$	1,118		$	23,055
Real estate
Consumer mortgage		35,966		(1,614	)		1,108		198			35,658
Home equity		6,005		(602	)		260		421			6,084
Agricultural		3,301		(2	)		13		408			3,720
Commercial and industrial-owner occupied		20,178		(300	)		254		251			20,383
Construction, acquisition and development		21,905		(1,198	)		886		2,189			23,782
Commercial real estate		40,081		(3,141	)		339		(1,304	)		35,975
Credit cards		3,611		(450	)		148		90			3,399
All other		10,133		(492	)		275		629			10,545
Total	$	164,466	$	(9,737	)	$	3,872	$	4,000		$	162,601

	Year ended
	December 31, 2012
	Balance,										Balance,
	Beginning of										End of
	Period		Charge-offs			Recoveries		Provision			Period
	(In thousands)
Commercial and industrial	$	20,724	$	(12,362	)	$	7,096	$	7,828		$	23,286
Real estate
Consumer mortgage		36,529		(13,122	)		1,836		10,723			35,966
Home equity		8,630		(2,721	)		496		(400	)		6,005
Agricultural		3,921		(1,240	)		126		494			3,301
Commercial and industrial-owner occupied		21,929		(9,015	)		2,696		4,568			20,178
Construction, acquisition and development		45,562		(33,085	)		8,407		1,021			21,905
Commercial real estate		39,444		(12,728	)		8,538		4,827			40,081
Credit cards		4,021		(2,221	)		527		1,284			3,611
All other		14,358		(2,904	)		1,024		(2,345	)		10,133
Total	$	195,118	$	(89,398	)	$	30,746	$	28,000		$	164,466

	Three months ended
	March 31, 2012
	Balance,										Balance,
	Beginning of										End of
	Period		Charge-offs			Recoveries		Provision			Period
	(In thousands)
Commercial and industrial	$	20,724	$	(4,272	)	$	1,542	$	2,988		$	20,982
Real estate
Consumer mortgage		36,529		(4,216	)		323		3,912			36,548
Home equity		8,630		(851	)		315		134			8,228
Agricultural		3,921		(96	)		10		(449	)		3,386
Commercial and industrial-owner occupied		21,929		(3,868	)		351		2,230			20,642
Construction, acquisition and development		45,562		(11,394	)		2,155		(862	)		35,461
Commercial real estate		39,444		(2,809	)		383		2,364			39,382
Credit cards		4,021		(562	)		118		(436	)		3,141
All other		14,358		(758	)		288		119			14,007
Total	$	195,118	$	(28,826	)	$	5,485	$	10,000		$	181,777

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

	March 31, 2013
	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	$	3,459	$	763	$	22,292	$	23,055
Real estate
Consumer mortgage		16,480		1,962		33,696		35,658
Home equity		2,037		32		6,052		6,084
Agricultural		4,844		215		3,505		3,720
Commercial and industrial-owner occupied		14,218		1,361		19,022		20,383
Construction, acquisition and development		45,816		5,864		17,918		23,782
Commercial real estate		49,703		1,461		34,514		35,975
Credit cards		-		-		3,399		3,399
All other		1,234		-		10,545		10,545
Total	$	137,791	$	11,658	$	150,943	$	162,601

	December 31, 2012
	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	$	4,845	$	1,241	$	22,045	$	23,286
Real estate
Consumer mortgage		15,107		1,103		34,863		35,966
Home equity		1,380		111		5,894		6,005
Agricultural		5,382		92		3,209		3,301
Commercial and industrial-owner occupied		16,720		864		19,314		20,178
Construction, acquisition and development		61,335		4,350		17,555		21,905
Commercial real estate		50,413		2,720		37,361		40,081
Credit cards		-		-		3,611		3,611
All other		1,546		60		10,073		10,133
Total	$	156,728	$	10,541	$	153,925	$	164,466