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ALLOWANCE FOR CREDIT LOSSES (Tables)
6 Months Ended
Jun. 30, 2016
ALLOWANCE FOR CREDIT LOSSES [Abstract]  
Changes In The Allowance For Credit Losses By Segment And Class











 

 

 

 

 

 

 

 

 

 



 

Six months ended



 

June 30, 2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$             (888)

 

$          551

 

$          473

 

$     17,719

Real estate

 

 

 

 

 

 

 

 

 

 

Consumer mortgages

 

33,198 

 

(1,187)

 

954 

 

260 

 

33,225 

Home equity

 

6,949 

 

(774)

 

326 

 

666 

 

7,167 

Agricultural

 

2,524 

 

(21)

 

132 

 

(272)

 

2,363 

Commercial and industrial-owner occupied

 

14,607 

 

(814)

 

226 

 

(377)

 

13,642 

Construction, acquisition and development

 

15,925 

 

(506)

 

796 

 

(679)

 

15,536 

Commercial real estate

 

25,508 

 

(1,115)

 

1,192 

 

2,103 

 

27,688 

Credit cards

 

4,047 

 

(1,334)

 

380 

 

346 

 

3,439 

All other

 

6,117 

 

(904)

 

463 

 

480 

 

6,156 

Total

 

$      126,458

 

$          (7,543)

 

$       5,020

 

$       3,000

 

$   126,935







 

 

 

 

 

 

 

 

 

 



 

Year ended



 

December 31, 2015



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

 

 

 

 

 

 

 

 

 



 

(In thousands)

Commercial and industrial

 

$        21,419

 

$        (10,022)

 

$       2,035

 

$       4,151

 

$     17,583

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

40,015 

 

(3,995)

 

2,693 

 

(5,515)

 

33,198 

  Home equity

 

9,542 

 

(1,204)

 

639 

 

(2,028)

 

6,949 

  Agricultural

 

3,420 

 

(33)

 

384 

 

(1,247)

 

2,524 

  Commercial and industrial-owner occupied

 

16,325 

 

(1,800)

 

2,834 

 

(2,752)

 

14,607 

  Construction, acquisition and development

 

9,885 

 

(1,039)

 

11,727 

 

(4,648)

 

15,925 

  Commercial real estate

 

23,562 

 

(3,723)

 

1,656 

 

4,013 

 

25,508 

Credit cards

 

6,514 

 

(2,632)

 

658 

 

(493)

 

4,047 

All other

 

11,761 

 

(2,271)

 

1,108 

 

(4,481)

 

6,117 

    Total

 

$      142,443

 

$        (26,719)

 

$     23,734

 

$    (13,000)

 

$   126,458







 

 

 

 

 

 

 

 

 

 



 

Six months ended



 

June 30, 2015



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        21,419

 

$          (1,819)

 

$          784

 

$       1,094

 

$     21,478

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

40,015 

 

(1,467)

 

1,652 

 

(1,895)

 

38,305 

  Home equity

 

9,542 

 

(743)

 

426 

 

408 

 

9,633 

  Agricultural

 

3,420 

 

(8)

 

305 

 

(678)

 

3,039 

  Commercial and industrial-owner occupied

 

16,325 

 

(798)

 

696 

 

1,121 

 

17,344 

  Construction, acquisition and development

 

9,885 

 

(615)

 

9,582 

 

(9,061)

 

9,791 

  Commercial real estate

 

23,562 

 

(2,124)

 

1,320 

 

(963)

 

21,795 

Credit cards

 

6,514 

 

(1,203)

 

336 

 

(134)

 

5,513 

All other

 

11,761 

 

(1,020)

 

565 

 

108 

 

11,414 

    Total

 

$      142,443

 

$          (9,797)

 

$     15,666

 

$    (10,000)

 

$   138,312



Allowance For Credit Losses By Segment, Class And Impairment Status



 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 



 

December 31, 2015



 

Recorded

 

Allowance for

 

Allowance for

 

 



 

Balance of

 

Impaired Loans

 

All Other Loans

 

Total



 

Impaired Loans (1)

 

and Leases

 

and Leases

 

Allowance



 

 

 

 

 

 

 

 



 

(In thousands)

Commercial and industrial

 

$                  7,127

 

$                  78

 

$             17,505

 

$     17,583

Real estate

 

 

 

 

 

 

 

 

Consumer mortgages

 

3,990 

 

 -

 

33,198 

 

33,198 

Home equity

 

1,795 

 

 -

 

6,949 

 

6,949 

Agricultural

 

872 

 

159 

 

2,365 

 

2,524 

Commercial and industrial-owner occupied

 

12,141 

 

326 

 

14,281 

 

14,607 

Construction, acquisition and development

 

7,583 

 

677 

 

15,248 

 

15,925 

Commercial real estate

 

17,781 

 

1,110 

 

24,398 

 

25,508 

Credit cards

 

 -

 

 -

 

4,047 

 

4,047 

All other

 

103 

 

 -

 

6,117 

 

6,117 

Total

 

$                51,392

 

$             2,350

 

$           124,108

 

$   126,458