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ALLOWANCE FOR CREDIT LOSSES (Tables)
3 Months Ended
Mar. 31, 2017
ALLOWANCE FOR CREDIT LOSSES [Abstract]  
Changes In The Allowance For Credit Losses By Segment And Class













 

 

 

 

 

 

 

 

 

 



 

Three months ended



 

March 31, 2017



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        19,170

 

$             (384)

 

$           490

 

$       1,291

 

$      20,567

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

30,386 

 

(596)

 

625 

 

1,340 

 

31,755 

  Home equity

 

7,174 

 

(459)

 

356 

 

(39)

 

7,032 

  Agricultural

 

2,172 

 

(44)

 

41 

 

109 

 

2,278 

  Commercial and industrial-owner occupied

 

12,899 

 

(404)

 

193 

 

1,178 

 

13,866 

  Construction, acquisition and development

 

13,957 

 

(30)

 

1,324 

 

(1,766)

 

13,485 

  Commercial real estate

 

24,845 

 

(19)

 

69 

 

767 

 

25,662 

Credit cards

 

7,787 

 

(838)

 

249 

 

(1,032)

 

6,166 

All other

 

5,346 

 

(559)

 

446 

 

(848)

 

4,385 

    Total

 

$      123,736

 

$          (3,333)

 

$        3,793

 

$       1,000

 

$    125,196







 

 

 

 

 

 

 

 

 

 



 

Year ended



 

December 31, 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







 

 

 

 

 

 

 

 

 

 



 

Three months ended



 

March 31, 2016



 

Balance,

 

 

 

 

 

 

 

Balance,



 

Beginning of

 

 

 

 

 

 

 

End of



 

Period

 

Charge-offs

 

Recoveries

 

Provision

 

Period



 

(In thousands)

Commercial and industrial

 

$        17,583

 

$             (140)

 

$           212

 

$       1,625

 

$      19,280

Real estate

 

 

 

 

 

 

 

 

 

 

  Consumer mortgages

 

33,198 

 

(710)

 

455 

 

403 

 

33,346 

  Home equity

 

6,949 

 

(550)

 

80 

 

554 

 

7,033 

  Agricultural

 

2,524 

 

(11)

 

36 

 

(148)

 

2,401 

  Commercial and industrial-owner occupied

 

14,607 

 

(154)

 

125 

 

171 

 

14,749 

  Construction, acquisition and development

 

15,925 

 

(226)

 

272 

 

(1,307)

 

14,664 

  Commercial real estate

 

25,508 

 

(245)

 

683 

 

(533)

 

25,413 

Credit cards

 

4,047 

 

(720)

 

181 

 

(268)

 

3,240 

All other

 

6,117 

 

(487)

 

247 

 

503 

 

6,380 

    Total

 

$      126,458

 

$          (3,243)

 

$        2,291

 

$       1,000

 

$    126,506



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 (1)

 

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