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











 

 

 

 

 

 

 

 

 

 



 

Nine months ended



 

September 30, 2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$          (2,068)

 

$          814

 

$       1,516

 

$     17,845

Real estate

 

 

 

 

 

 

 

 

 

 

Consumer mortgages

 

33,198 

 

(1,782)

 

1,281 

 

(1,078)

 

31,619 

Home equity

 

6,949 

 

(1,011)

 

435 

 

1,674 

 

8,047 

Agricultural

 

2,524 

 

(110)

 

160 

 

(422)

 

2,152 

Commercial and industrial-owner occupied

 

14,607 

 

(1,075)

 

343 

 

(1,090)

 

12,785 

Construction, acquisition and development

 

15,925 

 

(511)

 

1,178 

 

(3,015)

 

13,577 

Commercial real estate

 

25,508 

 

(1,129)

 

2,235 

 

233 

 

26,847 

Credit cards

 

4,047 

 

(2,030)

 

642 

 

4,459 

 

7,118 

All other

 

6,117 

 

(1,617)

 

674 

 

723 

 

5,897 

Total

 

$      126,458

 

$        (11,333)

 

$       7,762

 

$       3,000

 

$   125,887







 

 

 

 

 

 

 

 

 

 



 

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







 

 

 

 

 

 

 

 

 

 



 

Nine months ended



 

September 30, 2015



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        21,419

 

$          (3,829)

 

$       1,681

 

$       4,559

 

$     23,830

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

40,015 

 

(2,849)

 

2,113 

 

(5,635)

 

33,644 

  Home equity

 

9,542 

 

(1,057)

 

516 

 

(1,039)

 

7,962 

  Agricultural

 

3,420 

 

(17)

 

364 

 

(1,252)

 

2,515 

  Commercial and industrial-owner occupied

 

16,325 

 

(1,443)

 

2,527 

 

(2,452)

 

14,957 

  Construction, acquisition and development

 

9,885 

 

(818)

 

10,666 

 

(8,933)

 

10,800 

  Commercial real estate

 

23,562 

 

(3,601)

 

1,507 

 

3,637 

 

25,105 

Credit cards

 

6,514 

 

(1,909)

 

506 

 

(221)

 

4,890 

All other

 

11,761 

 

(1,648)

 

857 

 

(1,664)

 

9,306 

    Total

 

$      142,443

 

$        (17,171)

 

$     20,737

 

$    (13,000)

 

$   133,009



Allowance For Credit Losses By Segment, Class And Impairment Status



 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 



 

September 30, 2016



 

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

 

$                  6,188

 

$                  66

 

$             17,779

 

$     17,845

Real estate

 

 

 

 

 

 

 

 

Consumer mortgages

 

1,263 

 

305 

 

31,314 

 

31,619 

Home equity

 

1,487 

 

732 

 

7,315 

 

8,047 

Agricultural

 

641 

 

 -

 

2,152 

 

2,152 

Commercial and industrial-owner occupied

 

9,285 

 

 -

 

12,785 

 

12,785 

Construction, acquisition and development

 

6,339 

 

48 

 

13,529 

 

13,577 

Commercial real estate

 

13,910 

 

2,560 

 

24,287 

 

26,847 

Credit cards

 

 -

 

 -

 

7,118 

 

7,118 

All other

 

 -

 

 -

 

5,897 

 

5,897 

Total

 

$                39,113

 

$             3,711

 

$           122,176

 

$   125,887