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ALLOWANCE FOR CREDIT LOSSES (Tables)
12 Months Ended
Dec. 31, 2016
ALLOWANCE FOR CREDIT LOSSES [Abstract]  
Summary Of Changes In Allowance For Credit Losses



 

 

 

 

 

 



 

2016

 

2015

 

2014



 

(In thousands)

Balance at beginning of year

 

$      126,458

 

$      142,443

 

$      153,236

Provision charged to expense

 

4,000 

 

(13,000)

 

 -

Recoveries

 

10,297 

 

23,734 

 

14,234 

Loans and leases charged off

 

(17,019)

 

(26,719)

 

(25,027)

Balance at end of year

 

$      123,736

 

$      126,458

 

$      142,443



Changes in the Allowance for Credit Losses by Segment and Class



 

 

 

 

 

 

 

 

 

 



 

2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$          (4,551)

 

$       1,833

 

$       4,305

 

$     19,170

Real estate

 

 

 

 

 

 

 

 

 

 

Consumer mortgages

 

33,198 

 

(2,687)

 

1,694 

 

(1,819)

 

30,386 

Home equity

 

6,949 

 

(1,884)

 

506 

 

1,603 

 

7,174 

Agricultural

 

2,524 

 

(110)

 

175 

 

(417)

 

2,172 

Commercial and industrial-owner occupied

 

14,607 

 

(1,095)

 

544 

 

(1,157)

 

12,899 

Construction, acquisition and development

 

15,925 

 

(521)

 

1,373 

 

(2,820)

 

13,957 

Commercial real estate

 

25,508 

 

(1,129)

 

2,411 

 

(1,945)

 

24,845 

Credit cards

 

4,047 

 

(2,845)

 

850 

 

5,735 

 

7,787 

All other

 

6,117 

 

(2,197)

 

911 

 

515 

 

5,346 

Total

 

$      126,458

 

$        (17,019)

 

$     10,297

 

$       4,000

 

$   123,736









 

 

 

 

 

 

 

 

 

 



 

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



Allowance for Credit Losses by Segment, Class and Impairment Status









 

 

 

 

 

 

 

 



 

December 31, 2016



 

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

 

$               8,314

 

$              1,837

 

$             17,333

 

$     19,170

Real estate

 

 

 

 

 

 

 

 

Consumer mortgages

 

1,655 

 

 -

 

30,386 

 

30,386 

Home equity

 

857 

 

 -

 

7,174 

 

7,174 

Agricultural

 

861 

 

 -

 

2,172 

 

2,172 

Commercial and industrial-owner occupied

 

8,321 

 

 -

 

12,899 

 

12,899 

Construction, acquisition and development

 

5,933 

 

35 

 

13,922 

 

13,957 

Commercial real estate

 

12,296 

 

2,481 

 

22,364 

 

24,845 

Credit cards

 

 -

 

 -

 

7,787 

 

7,787 

All other

 

 -

 

 -

 

5,346 

 

5,346 

Total

 

$             38,237

 

$              4,353

 

$           119,383

 

$   123,736









 

 

 

 

 

 

 

 



 

December 31, 2015



 

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

 

$               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