LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 2016

Gross Loans And Leases By Segment And Class



		June 30,		December 31,
		2016	2015	2015

	(In thousands)

Commercial and industrial		$ 1,701,848	$ 1,735,444	$ 1,752,273
Real estate
Consumer mortgages		2,549,989	2,374,122	2,472,202
Home equity		614,686	558,460	589,752
Agricultural		251,566	239,884	259,360
Commercial and industrial-owner occupied		1,644,618	1,596,244	1,617,429
Construction, acquisition and development		1,021,218	860,407	945,045
Commercial real estate		2,254,653	2,081,394	2,188,048
Credit cards		108,101	110,552	112,165
All other		457,868	484,948	468,052
Gross loans and leases (1)		10,604,547	10,041,455	10,404,326
Less: Unearned income		28,569	33,884	31,548
Net loans and leases		$ 10,575,978	$ 10,007,571	$ 10,372,778

Loans And Leases, Net Of Unearned Income By Segment, Class And Geographical Location



	Alabama
	and Florida
	Panhandle	Arkansas	Louisiana	Mississippi	Missouri	Tennessee	Texas	Other	Total
	(In thousands)
Commercial and industrial	$ 146,268	$ 198,348	$ 196,156	$ 680,183	$ 93,190	$ 117,291	$ 221,574	$ 45,079	$ 1,698,089
Real estate
Consumer mortgages	318,323	326,634	225,181	815,895	80,713	286,004	472,988	24,251	2,549,989
Home equity	93,400	43,484	67,923	226,158	23,427	145,122	13,701	1,471	614,686
Agricultural	7,684	79,186	27,600	67,078	3,571	13,942	52,505	-	251,566
Commercial and industrial-owner occupied	199,074	174,811	198,307	668,400	49,294	140,535	214,197	-	1,644,618
Construction, acquisition and development	121,768	102,732	55,618	322,841	22,212	148,243	247,804	-	1,021,218
Commercial real estate	346,711	359,930	227,451	613,773	198,254	176,006	330,778	1,750	2,254,653
Credit cards	-	-	-	-	-	-	-	108,101	108,101
All other	71,387	47,848	29,070	172,686	4,189	34,789	53,328	19,761	433,058
Total	$ 1,304,615	$ 1,332,973	$ 1,027,306	$ 3,567,014	$ 474,850	$ 1,061,932	$ 1,606,875	$ 200,413	$ 10,575,978

Aging Of Loan And Lease Portfolio, Net Of Unearned Income, By Segment And Class



	June 30, 2016
							90+ Days
	30-59 Days	60-89 Days	90+ Days	Total		Total	Past Due still
	Past Due	Past Due	Past Due	Past Due	Current	Outstanding	Accruing

	(In thousands)
Commercial and industrial	$ 5,563	$ 400	$ 5,647	$ 11,610	$ 1,686,479	$ 1,698,089	$ 82
Real estate
Consumer mortgages	14,287	4,648	11,405	30,340	2,519,649	2,549,989	1,502
Home equity	2,290	1,047	1,525	4,862	609,824	614,686	-
Agricultural	201	176	194	571	250,995	251,566	-
Commercial and industrial-owner occupied	3,952	336	8,532	12,820	1,631,798	1,644,618	-
Construction, acquisition and development	1,027	266	780	2,073	1,019,145	1,021,218	-
Commercial real estate	3,469	307	1,462	5,238	2,249,415	2,254,653	-
Credit cards	471	229	354	1,054	107,047	108,101	291
All other	672	67	222	961	432,097	433,058	-
Total	$ 31,932	$ 7,476	$ 30,121	$ 69,529	$ 10,506,449	$ 10,575,978	$ 1,875



	December 31, 2015
							90+ Days
	30-59 Days	60-89 Days	90+ Days	Total		Total	Past Due still
	Past Due	Past Due	Past Due	Past Due	Current	Outstanding	Accruing

	(In thousands)
Commercial and industrial	$ 2,038	$ 817	$ 4,731	$ 7,586	$ 1,740,188	$ 1,747,774	$ 60
Real estate
Consumer mortgages	13,827	4,692	13,604	32,123	2,440,079	2,472,202	1,655
Home equity	2,589	268	1,896	4,753	584,999	589,752	-
Agricultural	176	139	-	315	259,045	259,360	-
Commercial and industrial-owner occupied	1,189	3,105	4,034	8,328	1,609,101	1,617,429	-
Construction, acquisition and development	1,017	207	2,409	3,633	941,412	945,045	-
Commercial real estate	2,840	187	6,286	9,313	2,178,735	2,188,048	-
Credit cards	420	343	323	1,086	111,079	112,165	298
All other	628	262	105	995	440,008	441,003	-
Total	$ 24,724	$ 10,020	$ 33,388	$ 68,132	$ 10,304,646	$ 10,372,778	$ 2,013

Loan And Lease Portfolio, Net Of Unearned Income, By Segment, Class And Internally Assigned Grade


	June 30, 2016
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,654,279	$ -	$ 36,866	$ 91	$ 384	$ 6,469	$ 1,698,089
Real estate
Consumer mortgages	2,482,105	298	66,614	14	-	958	2,549,989
Home equity	603,039	-	10,163	-	-	1,484	614,686
Agricultural	242,721	-	8,085	-	-	760	251,566
Commercial and industrial-owner occupied	1,585,978	516	45,682	375	-	12,067	1,644,618
Construction, acquisition and development	1,003,045	-	12,809	-	-	5,364	1,021,218
Commercial real estate	2,202,501	-	38,867	151	-	13,134	2,254,653
Credit cards	108,101	-	-	-	-	-	108,101
All other	424,932	-	8,027	99	-	-	433,058
Total	$ 10,306,701	$ 814	$ 227,113	$ 730	$ 384	$ 40,236	$ 10,575,978


	December 31, 2015
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total

	(In thousands)
Commercial and industrial	$ 1,721,118	$ -	$ 19,529	$ -	$ -	$ 7,127	$ 1,747,774
Real estate
Consumer mortgages	2,399,081	-	68,768	363	-	3,990	2,472,202
Home equity	577,539	-	10,418	-	-	1,795	589,752
Agricultural	250,579	-	7,909	-	-	872	259,360
Commercial and industrial-owner occupied	1,554,984	-	50,304	-	-	12,141	1,617,429
Construction, acquisition and development	920,372	-	17,090	-	-	7,583	945,045
Commercial real estate	2,124,448	-	45,658	161	-	17,781	2,188,048
Credit cards	112,165	-	-	-	-	-	112,165
All other	433,333	-	7,465	102	-	103	441,003
Total	$ 10,093,619	$ -	$ 227,141	$ 626	$ -	$ 51,392	$ 10,372,778

Impaired Loans And Leases, Net Of Unearned Income, By Segment And Class


	June 30, 2016
		Unpaid		Average Recorded Investment		Interest Income Recognized
	Recorded	Principal	Related	Three months	Six months	Three months	Six months
	Investment	Balance of	Allowance	ended	ended	ended	ended
	in Impaired	Impaired	for Credit	June 30,	June 30,	June 30,	June 30,
	Loans (1)	Loans	Losses	2016	2016	2016	2016
	(In thousands)
With no related allowance:
Commercial and industrial	$ 5,968	$ 13,178	$ -	$ 6,583	$ 6,733	$ 29	$ 53
Real estate:
Consumer mortgages	958	1,344	-	1,943	2,767	8	21
Home equity	1,484	1,599	-	1,363	1,578	1	5
Agricultural	254	311	-	271	291	1	4
Commercial and industrial-owner occupied	12,067	13,735	-	11,608	10,913	96	204
Construction, acquisition and development	5,135	5,135	-	5,374	5,600	1	4
Commercial real estate	3,224	3,589	-	6,537	5,433	47	70
All other	-	-	-	-	-	-	-
Total	$ 29,090	$ 38,891	$ -	$ 33,679	$ 33,315	$ 183	$ 361

With an allowance:
Commercial and industrial	$ 501	$ 812	$ 71	$ 1,946	$ 1,228	$ 14	$ 19
Real estate:
Consumer mortgages	-	-	-	-	348	-	-
Home equity	-	-	-	261	131	1	1
Agricultural	506	506	124	521	535	-	-
Commercial and industrial-owner occupied	-	-	-	1,146	1,489	-	-
Construction, acquisition and development	229	229	4	229	686	-	-
Commercial real estate	9,910	9,910	2,871	7,544	9,998	38	101
All other	-	-	-	-	-	-	-
Total	$ 11,146	$ 11,457	$ 3,070	$ 11,647	$ 14,415	$ 53	$ 121

Total:
Commercial and industrial	$ 6,469	$ 13,990	$ 71	$ 8,529	$ 7,961	$ 43	$ 72
Real estate:
Consumer mortgages	958	1,344	-	1,943	3,115	8	21
Home equity	1,484	1,599	-	1,624	1,709	2	6
Agricultural	760	817	124	792	826	1	4
Commercial and industrial-owner occupied	12,067	13,735	-	12,754	12,402	96	204
Construction, acquisition and development	5,364	5,364	4	5,603	6,286	1	4
Commercial real estate	13,134	13,499	2,871	14,081	15,431	85	171
All other	-	-	-	-	-	-	-
Total	$ 40,236	$ 50,348	$ 3,070	$ 45,326	$ 47,730	$ 236	$ 482

(1)

Excludes $2.8 million of non-accruing TDRs.



	December 31, 2015
		Unpaid
	Recorded	Principal	Related
	Investment	Balance of	Allowance	Average	Interest
	in Impaired	Impaired	for Credit	Recorded	Income
	Loans (1)	Loans	Losses	Investment	Recognized

	(In thousands)
With no related allowance:
Commercial and industrial	$ 7,055	$ 13,986	$ -	$ 3,749	$ 95
Real estate:
Consumer mortgages	3,990	4,545	-	3,579	76
Home equity	1,795	1,795	-	744	7
Agricultural	322	380	-	142	6
Commercial and industrial-owner occupied	12,141	13,332	-	6,904	226
Construction, acquisition and development	5,969	6,052	-	3,553	25
Commercial real estate	5,017	6,879	-	7,944	202
All other	103	103	-	172	3
Total	$ 36,392	$ 47,072	$ -	$ 26,787	$ 640

With an allowance:
Commercial and industrial	$ 72	$ 383	$ 78	$ 3,635	$ 84
Real estate:
Consumer mortgages	-	-	-	368	9
Home equity	-	-	-	668	15
Agricultural	550	550	159	47	-
Commercial and industrial-owner occupied	-	-	326	1,866	51
Construction, acquisition and development	1,614	1,614	677	300	-
Commercial real estate	12,764	13,185	1,110	3,582	44
All other	-	-	-	-	-
Total	$ 15,000	$ 15,732	$ 2,350	$ 10,466	$ 203

Total:
Commercial and industrial	$ 7,127	$ 14,369	$ 78	$ 7,384	$ 179
Real estate:
Consumer mortgages	3,990	4,545	-	3,947	85
Home equity	1,795	1,795	-	1,412	22
Agricultural	872	930	159	189	6
Commercial and industrial-owner occupied	12,141	13,332	326	8,770	277
Construction, acquisition and development	7,583	7,666	677	3,853	25
Commercial real estate	17,781	20,064	1,110	11,526	246
All other	103	103	-	172	3
Total	$ 51,392	$ 62,804	$ 2,350	$ 37,253	$ 843

(1)

Excludes $2.6 million of non-accruing TDRs.

The following tables provide details regarding impaired loans and leases, net of unearned income, which include accruing TDRs, by segment and class as of and for the three months and six months ended June 30, 2016 and as of and for the year ended December 31, 2015:


	June 30, 2016
	Recorded		Unpaid Principal		Average Recorded Investment		Interest Income Recognized
	Investment		Balance of	Related	Three months	Six months	Three months	Six months
	in Impaired		Impaired Loans,	Allowance	ended	ended	ended	ended
	Loans, including		including	for Credit	June 30,	June 30,	June 30,	June 30,
	Accruing TDRs		Accruing TDRs	Losses	2016	2016	2016	2016
	(In thousands)
With no related allowance:
Commercial and industrial	$ 5,968	$ 13,178		$ -	$ 6,583	$ 6,733	$ 29	$ 53
Real estate:
Consumer mortgages	958	1,344		-	1,943	2,767	8	21
Home equity	1,485	1,599		-	1,363	1,578	1	5
Agricultural	253	311		-	271	291	1	4
Commercial and industrial-owner occupied	12,067	13,735		-	11,608	10,913	96	204
Construction, acquisition and development	5,135	5,135		-	5,374	5,600	1	4
Commercial real estate	3,224	3,589		-	6,537	5,433	47	70
All other	-	-		-	-	-	-	-
Total	$ 29,090	$ 38,891		$ -	$ 33,679	$ 33,315	$ 183	$ 361
With an allowance:
Commercial and industrial	$ 3,850	$ 4,181		$ 165	$ 5,243	$ 3,328	$ 49	$ 63
Real estate:
Consumer mortgages	1,762	2,023		332	1,458	1,856	11	22
Home equity	3	13		1	277	149	1	1
Agricultural	591	591		150	612	596	1	2
Commercial and industrial-owner occupied	2,922	3,482		207	4,014	5,680	16	61
Construction, acquisition and development	1,585	1,585		47	1,595	2,067	10	20
Commercial real estate	11,221	11,434		3,784	9,072	11,142	54	125
Credit card	902	902		29	885	921	89	179
All other	891	933		14	895	846	8	16
Total	$ 23,727	$ 25,144		$ 4,729	$ 24,051	$ 26,585	$ 239	$ 489
Total:
Commercial and industrial	$ 9,818	$ 17,359		$ 165	$ 11,826	$ 10,061	$ 78	$ 116
Real estate:
Consumer mortgages	2,720	3,367		332	3,401	4,623	19	43
Home equity	1,488	1,612		1	1,640	1,727	2	6
Agricultural	844	902		150	883	887	2	6
Commercial and industrial-owner occupied	14,989	17,217		207	15,622	16,593	112	265
Construction, acquisition and development	6,720	6,720		47	6,969	7,667	11	24
Commercial real estate	14,445	15,023		3,784	15,609	16,575	101	195
Credit card	902	902		29	885	921	89	179
All other	891	933		14	895	846	8	16
Total	$ 52,817	$ 64,035		$ 4,729	$ 57,730	$ 59,900	$ 422	$ 850


	December 31, 2015
	Recorded	Unpaid Principal
	Investment	Balance of	Related
	in Impaired	Impaired Loans,	Allowance	Average	Interest
	Loans, Including	Including	for Credit	Recorded	Income
	Accruing TDRs	Accruing TDRs	Losses	Investment	Recognized
	(In thousands)
With no related allowance:
Commercial and industrial	$ 7,055	$ 13,986	$ -	$ 3,749	$ 95
Real estate:
Consumer mortgages	3,990	4,545	-	3,579	76
Home equity	1,795	1,795	-	744	7
Agricultural	322	380	-	142	6
Commercial and industrial-owner occupied	12,141	13,332	-	6,904	226
Construction, acquisition and development	5,969	6,052	-	3,553	25
Commercial real estate	5,017	6,879	-	7,944	202
All other	103	103	-	172	3
Total	$ 36,392	$ 47,072	$ -	$ 26,787	$ 640

With an allowance:
Commercial and industrial	$ 968	$ 1,294	$ 181	$ 4,251	$ 114
Real estate:
Consumer mortgages	1,787	1,896	226	2,056	75
Home equity	20	30	3	674	15
Agricultural	586	586	162	56	-
Commercial and industrial-owner occupied	5,900	6,245	518	6,816	235
Construction, acquisition and development	3,328	3,328	721	1,759	42
Commercial real estate	13,616	14,250	1,217	7,802	187
Credit cards	939	939	34	1,024	102
All other	405	604	30	213	7
Total	$ 27,549	$ 29,172	$ 3,092	$ 24,651	$ 777

Total:
Commercial and industrial	$ 8,023	$ 15,280	$ 181	$ 8,000	$ 209
Real estate:
Consumer mortgages	5,777	6,441	226	5,635	151
Home equity	1,815	1,825	3	1,418	22
Agricultural	908	966	162	198	6
Commercial and industrial-owner occupied	18,041	19,577	518	13,720	461
Construction, acquisition and development	9,297	9,380	721	5,312	67
Commercial real estate	18,633	21,129	1,217	15,746	389
Credit cards	939	939	34	1,024	102
All other	508	707	30	385	10
Total	$ 63,941	$ 76,244	$ 3,092	$ 51,438	$ 1,417

Non-Performing Loans And Leases



		June 30,		December 31,
		2016	2015	2015

	(In thousands)

Non-accrual loans and leases		$ 68,638	$ 67,766	$ 83,028
Loans and leases 90 days or more past due, still accruing		1,875	1,568	2,013
Restructured loans and leases, still accruing		9,687	10,109	9,876
Total non-performing loans and leases		$ 80,200	$ 79,443	$ 94,917

Nonaccrual Loans And Leases By Segment And Class



	June 30,		December 31,
	2016	2015	2015

	(In thousands)
Commercial and industrial	$ 8,675	$ 9,740	$ 8,493
Real estate
Consumer mortgages	19,309	21,636	21,637
Home equity	2,734	3,550	4,021
Agricultural	1,107	259	921
Commercial and industrial-owner occupied	16,021	14,007	16,512
Construction, acquisition and development	6,086	5,411	9,130
Commercial real estate	14,197	12,397	21,741
Credit cards	159	157	188
All other	350	609	385
Total	$ 68,638	$ 67,766	$ 83,028

Troubled Debt Restructurings

The following tables summarize the financial effect of TDRs recorded during the periods indicated:



	Three months ended June 30, 2016
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	6	$ 2,630	$ 2,569
Real estate
Consumer mortgages	8	604	586
Home equity	1	3	3
Agricultural	1	67	67
Commercial and industrial-owner occupied	3	585	581
Commercial real estate	1	961	956
All other	-	-	-
Total	20	$ 4,850	$ 4,762



	Six months ended June 30, 2016
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment

	(Dollars in thousands)
Commercial and industrial	9	$ 3,236	$ 3,174
Real estate
Consumer mortgages	12	723	704
Home equity	1	3	3
Agricultural	1	67	67
Commercial and industrial-owner occupied	3	585	581
Commercial real estate	2	3,687	1,318
All other	3	716	713
Total	31	$ 9,017	$ 6,560



	Year ended December 31, 2015
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	11	$ 1,472	$ 1,452
Real estate
Consumer mortgages	21	1,230	1,144
Home equity	1	20	20
Agricultural	3	37	36
Commercial and industrial-owner occupied	13	6,357	6,329
Construction, acquisition and development	3	217	215
Commercial real estate	9	12,565	12,144
All other	7	94	88
Total	68	$ 21,992	$ 21,428

The tables below summarize TDRs within the previous 12 months for which there was a payment default during the period indicated (i.e., 30 days or more past due at any given time during the period indicated).



	Three months ended June 30, 2016
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	2	$ 125
All other	1	15
Total	3	$ 140



	Six months ended June 30, 2016
	Number of	Recorded
	Contracts	Investment

	(Dollars in thousands)
Real estate
Consumer mortgages	4	$ 172
Commercial and industrial-owner occupied	1	406
Construction, acquisition and development	1	14
Commercial real estate	1	9,335
All other	2	20
Total	9	$ 9,947



	Year ended December 31, 2015
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	1	$ 84
Real estate
Consumer mortgages	4	226
Agricultural	1	20
Commercial and industrial-owner occupied	1	517
Commercial real estate	2	197
Total	9	$ 1,044