LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 2017

Gross Loans And Leases By Segment And Class


		June 30,		December 31,
		2017	2016	2016

	(In thousands)

Commercial and industrial		$ 1,569,154	$ 1,701,848	$ 1,615,608
Real estate
Consumer mortgages		2,776,213	2,549,989	2,643,966
Home equity		624,868	614,686	628,846
Agricultural		245,646	251,566	245,377
Commercial and industrial-owner occupied		1,795,321	1,644,618	1,764,265
Construction, acquisition and development		1,156,901	1,021,218	1,157,248
Commercial real estate		2,341,633	2,254,653	2,237,719
Credit cards		104,169	108,101	109,656
All other		423,903	457,868	432,827
Gross Loans Total (1)		11,037,808	10,604,547	10,835,512
Less: Unearned Income		19,268	28,569	23,521
Net Loans		$ 11,018,540	$ 10,575,978	$ 10,811,991

(1)

Gross loans and leases are net of deferred costs of $2.2 million, $1.6 million and approximately $282,000 at June 30, 2017 and 2016 and December 31, 2016, respectively.

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	$ 141,372	$ 193,526	$ 194,235	$ 572,109	$ 91,371	$ 110,161	$ 207,777	$ 55,908	$ 1,566,459
Real estate
Consumer mortgages	374,392	322,148	239,660	867,821	93,572	305,685	539,131	33,804	2,776,213
Home equity	96,296	45,630	69,035	232,247	21,535	141,970	16,271	1,884	624,868
Agricultural	8,244	83,788	25,615	67,496	8,163	13,577	38,757	6	245,646
Commercial and industrial-owner occupied	210,072	195,859	212,839	718,767	46,545	157,145	254,094	-	1,795,321
Construction, acquisition and development	120,174	70,919	52,951	352,608	18,399	166,344	375,506	-	1,156,901
Commercial real estate	305,774	361,460	233,986	581,939	202,629	217,300	438,545	-	2,341,633
Credit cards	-	-	-	-	-	-	-	104,169	104,169
All other	51,849	40,196	24,271	215,870	3,411	21,951	43,433	6,349	407,330
Total	$ 1,308,173	$ 1,313,526	$ 1,052,592	$ 3,608,857	$ 485,625	$ 1,134,133	$ 1,913,514	$ 202,120	$ 11,018,540

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



	June 30, 2017
							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	$ 1,702	$ 2,173	$ 8,915	$ 12,790	$ 1,553,669	$ 1,566,459	$ 227
Real estate
Consumer mortgages	9,327	5,805	14,196	29,328	2,746,885	2,776,213	1,048
Home equity	2,942	533	1,956	5,431	619,437	624,868	-
Agricultural	2,011	17	4,380	6,408	239,238	245,646	-
Commercial and industrial-owner occupied	1,371	1,292	4,226	6,889	1,788,432	1,795,321	-
Construction, acquisition and development	2,519	398	1,803	4,720	1,152,181	1,156,901	-
Commercial real estate	616	598	4,373	5,587	2,336,046	2,341,633	86
Credit cards	491	244	434	1,169	103,000	104,169	432
All other	870	352	91	1,313	406,017	407,330	-
Total	$ 21,849	$ 11,412	$ 40,374	$ 73,635	$ 10,944,905	$ 11,018,540	$ 1,793



	December 31, 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	$ 3,231	$ 1,610	$ 9,152	$ 13,993	$ 1,598,302	$ 1,612,295	$ 58
Real estate
Consumer mortgages	12,393	6,785	15,054	34,232	2,609,734	2,643,966	3,439
Home equity	2,771	670	2,959	6,400	622,446	628,846	-
Agricultural	969	354	247	1,570	243,807	245,377	-
Commercial and industrial-owner occupied	2,551	530	4,342	7,423	1,756,842	1,764,265	-
Construction, acquisition and development	2,101	440	1,443	3,984	1,153,264	1,157,248	14
Commercial real estate	312	933	11,211	12,456	2,225,263	2,237,719	-
Credit cards	466	297	501	1,264	108,392	109,656	472
All other	550	148	230	928	411,691	412,619	-
Total	$ 25,344	$ 11,767	$ 45,139	$ 82,250	$ 10,729,741	$ 10,811,991	$ 3,983

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


	June 30, 2017
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total
	(In thousands)
Commercial and industrial	$ 1,516,992	$ -	$ 41,604	$ 301	$ -	$ 7,562	$ 1,566,459
Real estate
Consumer mortgages	2,710,161	-	63,352	276	-	2,424	2,776,213
Home equity	613,216	-	10,802	-	-	850	624,868
Agricultural	225,504	8,157	6,740	-	-	5,245	245,646
Commercial and industrial-owner occupied	1,734,306	3,161	50,644	-	-	7,210	1,795,321
Construction, acquisition and development	1,136,104	6,253	14,298	-	-	246	1,156,901
Commercial real estate	2,299,529	-	37,214	169	-	4,721	2,341,633
Credit cards	104,169	-	-	-	-	-	104,169
All other	400,191	-	6,900	239	-	-	407,330
Total	$ 10,740,172	$ 17,571	$ 231,554	$ 985	$ -	$ 28,258	$ 11,018,540

(1) Impaired loans are shown exclusive of $6.3 million of accruing troubled debt restructurings (“TDRs”) and $3.4 million of non-accruing TDRs.


	December 31, 2016
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total
	(In thousands)
Commercial and industrial	$ 1,562,263	$ -	$ 41,618	$ 100	$ -	$ 8,314	$ 1,612,295
Real estate
Consumer mortgages	2,579,905	522	61,602	282	-	1,655	2,643,966
Home equity	616,758	-	11,231	-	-	857	628,846
Agricultural	233,939	-	10,577	-	-	861	245,377
Commercial and industrial-owner occupied	1,705,266	3,668	47,010	-	-	8,321	1,764,265
Construction, acquisition and development	1,135,618	-	15,697	-	-	5,933	1,157,248
Commercial real estate	2,179,318	634	45,471	-	-	12,296	2,237,719
Credit cards	109,656	-	-	-	-	-	109,656
All other	405,611	-	7,008	-	-	-	412,619
Total	$ 10,528,334	$ 4,824	$ 240,214	$ 382	$ -	$ 38,237	$ 10,811,991

(1) Impaired loans are shown exclusive of $26.0 million of accruing TDRs and $2.2 million of non-accruing TDRs.

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

The following tables provide details regarding impaired loans and leases, net of unearned income, which exclude accruing TDRs by segment and class as of and for the three months and six months ended June 30, 2017 and as of and for the year ended December 31, 2016:


	June 30, 2017
		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	2017	2017	2017	2017
	(In thousands)
With no related allowance:
Commercial and industrial	$ 6,209	$ 14,228	$ -	$ 6,410	$ 6,412	$ 20	$ 28
Real estate:
Consumer mortgages	1,268	1,668	-	1,269	1,333	2	3
Home equity	263	377	-	264	434	2	3
Agricultural	5,245	5,303	-	4,859	3,142	8	10
Commercial and industrial-owner occupied	7,210	9,143	-	7,056	7,333	88	108
Construction, acquisition and development	246	246	-	248	1,500	1	1
Commercial real estate	3,727	3,727	-	2,622	2,624	3	5
All other	-	-	-	-	-	-	-
Total	$ 24,168	$ 34,692	$ -	$ 22,728	$ 22,778	$ 124	$ 158

With an allowance:
Commercial and industrial	$ 1,353	$ 1,353	$ 1,190	$ 4,020	$ 3,716	$ -	$ 2
Real estate:
Consumer mortgages	1,156	1,156	554	290	354	-	-
Home equity	587	1,216	30	588	420	-	-
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	-	-	-	2,435	2,407	5	5
Construction, acquisition and development	-	-	-	7	221	-	-
Commercial real estate	994	994	112	2,987	5,841	7	10
All other	-	-		-	-	-	-
Total	$ 4,090	$ 4,719	$ 1,886	$ 10,327	$ 12,959	$ 12	$ 17

Total:
Commercial and industrial	$ 7,562	$ 15,581	$ 1,190	$ 10,430	$ 10,128	$ 20	$ 30
Real estate:
Consumer mortgages	2,424	2,824	554	1,559	1,687	2	3
Home equity	850	1,593	30	852	854	2	3
Agricultural	5,245	5,303	-	4,859	3,142	8	10
Commercial and industrial-owner occupied	7,210	9,143	-	9,491	9,740	93	113
Construction, acquisition and development	246	246	-	255	1,721	1	1
Commercial real estate	4,721	4,721	112	5,609	8,465	10	15
All other	-	-	-	-	-	-	-
Total	$ 28,258	$ 39,411	$ 1,886	$ 33,055	$ 35,737	$ 136	$ 175

(1)

Excludes $3.4 million of non-accruing TDRs and $6.3 million of accruing TDRs.



	December 31, 2016
		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	$ 6,222	$ 11,856	$ -	$ 6,394	$ 72
Real estate:
Consumer mortgages	1,655	2,305	-	1,851	22
Home equity	857	1,600	-	1,176	9
Agricultural	861	919	-	440	8
Commercial and industrial-owner occupied	8,321	9,520	-	10,314	355
Construction, acquisition and development	4,803	4,803	-	5,379	4
Commercial real estate	2,646	2,646	-	4,391	94
All other	-	-	-	-	-
Total	$ 25,365	$ 33,649	$ -	$ 29,945	$ 564
With an allowance:
Commercial and industrial	$ 2,092	$ 2,092	$ 1,837	$ 1,190	$ 20
Real estate:
Consumer mortgages	-	-	-	431	-
Home equity	-	-	-	367	1
Agricultural	-	-	-	352	-
Commercial and industrial-owner occupied	-	-	-	741	-
Construction, acquisition and development	1,130	1,130	35	739	10
Commercial real estate	9,650	9,650	2,481	9,868	203
All other	-	-	-	-	-
Total	$ 12,872	$ 12,872	$ 4,353	$ 13,688	$ 234
Total:
Commercial and industrial	$ 8,314	$ 13,948	$ 1,837	$ 7,584	$ 92
Real estate:
Consumer mortgages	1,655	2,305	-	2,282	22
Home equity	857	1,600	-	1,543	10
Agricultural	861	919	-	792	8
Commercial and industrial-owner occupied	8,321	9,520	-	11,055	355
Construction, acquisition and development	5,933	5,933	35	6,118	14
Commercial real estate	12,296	12,296	2,481	14,259	297
All other	-	-	-	-	-
Total	$ 38,237	$ 46,521	$ 4,353	$ 43,633	$ 798

(1)

Excludes $2.2 million of non-accruing TDRs and $26.0 million of 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, 2017 and as of and for the year ended December 31, 2016:


	June 30, 2017
	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 and	and	for Credit	June 30,	June 30,	June 30,	June 30,
	Accruing TDRs	Accruing TDRs	Losses	2017	2017	2017	2017
	(In thousands)
With no related allowance:
Commercial and industrial	$ 6,209	$ 14,257	$ -	$ 6,410	$ 9,020	$ 20	$ 127
Real estate:
Consumer mortgages	1,268	1,713	-	1,269	1,333	2	3
Home equity	263	387	-	264	434	2	3
Agricultural	5,245	5,303	-	4,859	3,142	8	10
Commercial and industrial-owner occupied	7,210	9,192	-	7,056	7,333	88	108
Construction, acquisition and development	246	246	-	248	1,500	1	1
Commercial real estate	3,727	3,727	-	2,622	3,395	3	26
All other	-	14	-	-	-	-	-
Total	$ 24,168	$ 34,839	$ -	$ 22,728	$ 26,157	$ 124	$ 278
With an allowance:
Commercial and industrial	$ 2,499	$ 2,598	$ 1,286	$ 4,651	$ 5,890	$ 7	$ 19
Real estate:
Consumer mortgages	2,839	3,193	845	1,872	2,346	15	27
Home equity	731	1,360	52	723	521	1	1
Agricultural	364	376	28	352	234	-	1
Commercial and industrial-owner occupied	4,059	4,485	136	5,839	6,482	50	81
Construction, acquisition and development	720	870	90	430	567	4	6
Commercial real estate	1,253	1,253	142	3,144	7,930	10	41
Credit card	840	840	51	831	832	83	168
All other	475	475	64	345	1,415	3	22
Total	$ 13,780	$ 15,450	$ 2,694	$ 18,187	$ 26,217	$ 173	$ 366
Total:
Commercial and industrial	$ 8,708	$ 16,855	$ 1,286	$ 11,061	$ 14,910	$ 27	$ 146
Real estate:
Consumer mortgages	4,107	4,906	845	3,141	3,679	17	30
Home equity	994	1,747	52	987	955	3	4
Agricultural	5,609	5,679	28	5,211	3,376	8	11
Commercial and industrial-owner occupied	11,269	13,677	136	12,895	13,815	138	189
Construction, acquisition and development	966	1,116	90	678	2,067	5	7
Commercial real estate	4,980	4,980	142	5,766	11,325	13	67
Credit card	840	840	51	831	832	83	168
All other	475	489	64	345	1,415	3	22
Total	$ 37,948	$ 50,289	$ 2,694	$ 40,915	$ 52,374	$ 297	$ 644


	December 31, 2016
		Recorded	Unpaid Principal
		Investment	Balance of	Related
		in Impaired	Impaired Loans	Allowance	Average	Interest
		Loans and	and	for Credit	Recorded	Income
		Accruing TDRs	Accruing TDRs	Losses	Investment	Recognized
		(In thousands)
With no related allowance:
Commercial and industrial		$ 6,222	$ 11,856	$ -	$ 6,394	$ 72
Real estate:
Consumer mortgages		1,655	2,305	-	1,851	22
Home equity		857	1,600	-	1,176	9
Agricultural		861	919	-	440	8
Commercial and industrial-owner occupied		8,321	9,520	-	10,314	355
Construction, acquisition and development		4,803	4,803	-	5,379	4
Commercial real estate		2,646	2,646	-	4,391	94
All other		-	-	-	-	-
Total		$ 25,365	$ 33,649	$ -	$ 29,945	$ 564

With an allowance:
Commercial and industrial		$ 12,401	$ 12,424	$ 1,938	$ 4,045	$ 160
Real estate:
Consumer mortgages		2,453	2,734	300	2,241	55
Home equity		3	13	1	377	1
Agricultural		76	76	1	424	4
Commercial and industrial-owner occupied		4,937	5,406	103	4,643	124
Construction, acquisition and development		1,373	1,373	47	1,551	35
Commercial real estate		16,187	16,400	2,532	12,888	336
Credit cards		823	823	58	881	347
All other		2,890	2,927	23	1,894	78
Total		$ 41,143	$ 42,176	$ 5,003	$ 28,944	$ 1,140

Total:
Commercial and industrial		$ 18,623	$ 24,280	$ 1,938	$ 10,439	$ 232
Real estate:
Consumer mortgages		4,108	5,039	300	4,092	77
Home equity		860	1,613	1	1,553	10
Agricultural		937	995	1	864	12
Commercial and industrial-owner occupied		13,258	14,926	103	14,957	479
Construction, acquisition and development		6,176	6,176	47	6,930	39
Commercial real estate		18,833	19,046	2,532	17,279	430
Credit cards		823	823	58	881	347
All other		2,890	2,927	23	1,894	78
Total		$ 66,508	$ 75,825	$ 5,003	$ 58,889	$ 1,704

Non-Performing Loans And Leases



		June 30,		December 31,
		2017	2016	2016
	(In thousands)

Non-accrual loans and leases		$ 63,585	$ 68,638	$ 71,812
Loans and leases 90 days or more past due, still accruing		1,793	1,875	3,983
Restructured loans and leases still accruing		6,303	9,687	26,047
Total non-performing loans and leases		$ 71,681	$ 80,200	$ 101,842

Nonaccrual Loans And Leases By Segment And Class



	June 30,		December 31,
	2017	2016	2016
	(In thousands)
Commercial and industrial	$ 9,988	$ 8,675	$ 13,679
Real estate
Consumer mortgages	24,690	19,309	21,084
Home equity	3,183	2,734	3,817
Agricultural	6,172	1,107	1,546
Commercial and industrial-owner occupied	10,215	16,021	10,791
Construction, acquisition and development	2,223	6,086	7,022
Commercial real estate	6,418	14,197	13,402
Credit cards	122	159	161
All other	574	350	310
Total	$ 63,585	$ 68,638	$ 71,812

Troubled Debt Restructurings

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



	Three months ended June 30, 2017
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	4	$ 503	$ 498
Real estate
Consumer mortgages	1	67	66
Home equity	1	15	15
Commercial and industrial-owner occupied	2	718	716
Total	8	$ 1,303	$ 1,295



	Six months ended June 30, 2017
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	5	$ 525	$ 516
Real estate
Consumer mortgages	5	297	296
Home equity	4	149	149
Commercial and industrial-owner occupied	3	978	973
All other	5	58	53
Total	22	$ 2,007	$ 1,987



	Year ended December 31, 2016
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	25	$ 14,469	$ 14,305
Real estate
Consumer mortgages	16	1,429	1,354
Home equity	1	3	3
Agricultural	2	79	79
Commercial and industrial-owner occupied	10	4,344	4,331
Commercial real estate	5	8,931	6,702
All other	8	3,622	3,608
Total	67	$ 32,877	$ 30,382

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, 2017
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	1	$ 19
Real estate
Home equity	1	48
Agricultural	1	10
Commercial and industrial-owner occupied	1	686
All other	2	4
Total	6	$ 767



	Six months ended June 30, 2017
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	2	$ 34
Real estate
Consumer mortgages	3	391
Home equity	1	48
Agricultural	1	10
Commercial and industrial-owner occupied	3	1,092
All other	2	4
Total	12	$ 1,579



	Year ended December 31, 2016
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	8	$ 3,804
Real estate
Consumer mortgages	7	597
Commercial and industrial-owner occupied	2	532
Construction, acquisition and development	1	14
Commercial real estate	1	9,336
All other	2	20
Total	21	$ 14,303