LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2017

Gross Loans And Leases By Segment And Class


		September 30,		December 31,
		2017	2016	2016

	(In thousands)

Commercial and industrial		$ 1,508,794	$ 1,619,668	$ 1,615,608
Real estate
Consumer mortgages		2,826,333	2,611,387	2,643,966
Home equity		626,961	622,566	628,846
Agricultural		247,211	242,171	245,377
Commercial and industrial-owner occupied		1,835,430	1,668,477	1,764,265
Construction, acquisition and development		1,175,979	1,121,386	1,157,248
Commercial real estate		2,336,219	2,240,717	2,237,719
Credit cards		104,613	107,447	109,656
All other		411,766	451,347	432,827
Gross Loans Total (1)		11,073,306	10,685,166	10,835,512
Less: Unearned Income		17,797	26,405	23,521
Net Loans		$ 11,055,509	$ 10,658,761	$ 10,811,991

(1)

Gross loans and leases are net of deferred costs of $3.5 million, $2.2 million and approximately $282,000 at September 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	$ 136,368	$ 195,461	$ 193,882	$ 551,391	$ 70,856	$ 108,389	$ 200,118	$ 49,887	$ 1,506,352
Real estate
Consumer mortgages	379,388	327,113	233,715	879,524	92,807	316,209	543,855	53,722	2,826,333
Home equity	96,418	47,361	70,916	230,493	21,531	139,521	19,348	1,373	626,961
Agricultural	8,298	83,830	25,290	66,829	7,205	13,019	42,722	18	247,211
Commercial and industrial-owner occupied	210,503	203,249	223,947	710,693	46,384	154,354	286,300	-	1,835,430
Construction, acquisition and development	126,581	75,400	57,445	355,559	20,391	164,014	376,589	-	1,175,979
Commercial real estate	300,226	357,712	236,589	574,667	209,097	212,296	445,632	-	2,336,219
Credit cards	-	-	-	-	-	-	-	104,613	104,613
All other	52,154	40,023	22,141	210,898	2,969	22,066	39,332	6,828	396,411
Total	$ 1,309,936	$ 1,330,149	$ 1,063,925	$ 3,580,054	$ 471,240	$ 1,129,868	$ 1,953,896	$ 216,441	$ 11,055,509

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



	September 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	$ 2,704	$ 2,083	$ 7,091	$ 11,878	$ 1,494,474	$ 1,506,352	$ 115
Real estate
Consumer mortgages	15,221	6,328	13,620	35,169	2,791,164	2,826,333	1,240
Home equity	1,380	681	1,479	3,540	623,421	626,961	-
Agricultural	1,737	27	4,793	6,557	240,654	247,211	34
Commercial and industrial-owner occupied	3,294	2,083	4,134	9,511	1,825,919	1,835,430	-
Construction, acquisition and development	4,441	100	1,583	6,124	1,169,855	1,175,979	-
Commercial real estate	632	607	2,478	3,717	2,332,502	2,336,219	-
Credit cards	427	329	492	1,248	103,365	104,613	466
All other	479	273	250	1,002	395,409	396,411	-
Total	$ 30,315	$ 12,511	$ 35,920	$ 78,746	$ 10,976,763	$ 11,055,509	$ 1,855



	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


	September 30, 2017
		Special
	Pass	Mention	Substandard	Doubtful	Loss	Impaired (1)	Total
	(In thousands)
Commercial and industrial	$ 1,449,512	$ 762	$ 50,633	$ 290	$ 146	$ 5,009	$ 1,506,352
Real estate
Consumer mortgages	2,768,161	-	55,836	272	-	2,064	2,826,333
Home equity	617,463	-	8,731	-	-	767	626,961
Agricultural	234,563	-	7,372	-	-	5,276	247,211
Commercial and industrial-owner occupied	1,766,055	2,920	62,232	-	-	4,223	1,835,430
Construction, acquisition and development	1,159,359	3,718	12,902	-	-	-	1,175,979
Commercial real estate	2,293,845	-	39,805	177	-	2,392	2,336,219
Credit cards	104,613	-	-	-	-	-	104,613
All other	392,100	-	4,211	100	-	-	396,411
Total	$ 10,785,671	$ 7,400	$ 241,722	$ 839	$ 146	$ 19,731	$ 11,055,509

(1) Impaired loans are shown exclusive of $7.4 million of accruing troubled debt restructurings (“TDRs”) and $3.3 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 nine months ended September 30, 2017 and as of and for the year ended December 31, 2016:


	September 30, 2017
		Unpaid		Average Recorded Investment		Interest Income Recognized
	Recorded	Principal	Related	Three months	Nine months	Three months	Nine months
	Investment	Balance of	Allowance	ended	ended	ended	ended
	in Impaired	Impaired	for Credit	September 30,	September 30,	September 30,	September 30,
	Loans (1)	Loans	Losses	2017	2017	2017	2017
	(In thousands)
With no related allowance:
Commercial and industrial	$ 4,460	$ 11,545	$ -	$ 5,356	$ 6,010	$ -	$ 28
Real estate:
Consumer mortgages	2,064	2,573	-	1,296	1,325	-	3
Home equity	767	1,510	-	514	483	1	4
Agricultural	5,276	5,909	-	5,262	3,780	-	10
Commercial and industrial-owner occupied	4,223	6,156	-	5,718	6,700	40	148
Construction, acquisition and development	-	-	-	88	1,061	-	1
Commercial real estate	1,759	1,809	-	2,663	2,529	10	15
All other	-	-	-	-	-	-	-
Total	$ 18,549	$ 29,502	$ -	$ 20,897	$ 21,888	$ 51	$ 209

With an allowance:
Commercial and industrial	$ 549	$ 549	$ 528	$ 1,281	$ 2,978	$ -	$ 2
Real estate:
Consumer mortgages	-	-	-	997	531	-	-
Home equity	-	-	-	294	353	-	-
Agricultural	-	-	-	-	-	-	-
Commercial and industrial-owner occupied	-	-	-	-	1,685	-	5
Construction, acquisition and development	-	-	-	-	155	-	-
Commercial real estate	633	633	53	899	4,348	10	20
All other	-	-	-	-	-	-	-
Total	$ 1,182	$ 1,182	$ 581	$ 3,471	$ 10,050	$ 10	$ 27

Total:
Commercial and industrial	$ 5,009	$ 12,094	$ 528	$ 6,637	$ 8,988	$ -	$ 30
Real estate:
Consumer mortgages	2,064	2,573	-	2,293	1,856	-	3
Home equity	767	1,510	-	808	836	1	4
Agricultural	5,276	5,909	-	5,262	3,780	-	10
Commercial and industrial-owner occupied	4,223	6,156	-	5,718	8,385	40	153
Construction, acquisition and development	-	-	-	88	1,216	-	1
Commercial real estate	2,392	2,442	53	3,562	6,877	20	35
All other	-	-	-	-	-	-	-
Total	$ 19,731	$ 30,684	$ 581	$ 24,368	$ 31,938	$ 61	$ 236

(1)

Excludes $3.3 million of non-accruing TDRs and $7.4 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 nine months ended September 30, 2017 and as of and for the year ended December 31, 2016:


	September 30, 2017
	Recorded	Unpaid Principal		Average Recorded Investment		Interest Income Recognized
	Investment	Balance of	Related	Three months	Nine months	Three months	Nine months
	in Impaired	Impaired Loans,	Allowance	ended	ended	ended	ended
	Loans, including	including	for Credit	September 30,	September 30,	September 30,	September 30,
	Accruing TDRs	Accruing TDRs	Losses	2017	2017	2017	2017
	(In thousands)
With no related allowance:
Commercial and industrial	$ 4,460	$ 11,545	$ -	$ 5,356	$ 6,010	$ -	$ 28
Real estate:
Consumer mortgages	2,064	2,573	-	1,296	1,325	-	3
Home equity	767	1,510	-	514	483	1	4
Agricultural	5,276	5,909	-	5,262	3,780	-	10
Commercial and industrial-owner occupied	4,223	6,156	-	5,718	6,700	40	148
Construction, acquisition and development	-	-	-	88	1,061	-	1
Commercial real estate	1,759	1,809	-	2,663	2,529	10	15
All other	-	-	-	-	-	-	-
Total	$ 18,549	$ 29,502	$ -	$ 20,897	$ 21,888	$ 51	$ 209
With an allowance:
Commercial and industrial	$ 1,684	$ 1,778	$ 779	$ 2,327	$ 4,804	$ 11	$ 30
Real estate:
Consumer mortgages	1,743	2,097	313	2,684	2,432	11	38
Home equity	139	139	16	436	466	2	3
Agricultural	116	127	11	302	248	-	1
Commercial and industrial-owner occupied	4,558	4,984	198	4,009	5,735	39	120
Construction, acquisition and development	568	670	121	646	584	1	7
Commercial real estate	1,671	1,671	129	1,495	6,023	18	59
Credit card	888	888	61	864	856	86	254
All other	472	472	67	475	1,133	5	27
Total	$ 11,839	$ 12,826	$ 1,695	$ 13,238	$ 22,281	$ 173	$ 539
Total:
Commercial and industrial	$ 6,144	$ 13,323	$ 779	$ 7,683	$ 10,814	$ 11	$ 58
Real estate:
Consumer mortgages	3,807	4,670	313	3,980	3,757	11	41
Home equity	906	1,649	16	950	949	3	7
Agricultural	5,392	6,036	11	5,564	4,028	-	11
Commercial and industrial-owner occupied	8,781	11,140	198	9,727	12,435	79	268
Construction, acquisition and development	568	670	121	734	1,645	1	8
Commercial real estate	3,430	3,480	129	4,158	8,552	28	74
Credit card	888	888	61	864	856	86	254
All other	472	472	67	475	1,133	5	27
Total	$ 30,388	$ 42,328	$ 1,695	$ 34,135	$ 44,169	$ 224	$ 748


	December 31, 2016
		Recorded	Unpaid Principal
		Investment	Balance of	Related
		in Impaired	Impaired Loans,	Allowance	Average	Interest
		Loans, including	including	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



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

Non-accrual loans and leases		$ 55,796	$ 70,725	$ 71,812
Loans and leases 90 days or more past due, still accruing		1,855	2,255	3,983
Restructured loans and leases still accruing		7,366	17,936	26,047
Total non-performing loans and leases		$ 65,017	$ 90,916	$ 101,842

Nonaccrual Loans And Leases By Segment And Class



	September 30,		December 31,
	2017	2016	2016
	(In thousands)
Commercial and industrial	$ 8,776	$ 11,659	$ 13,679
Real estate
Consumer mortgages	23,635	20,196	21,084
Home equity	2,555	3,721	3,817
Agricultural	5,919	1,194	1,546
Commercial and industrial-owner occupied	7,558	11,983	10,791
Construction, acquisition and development	1,771	6,939	7,022
Commercial real estate	4,645	14,793	13,402
Credit cards	126	121	161
All other	811	119	310
Total	$ 55,796	$ 70,725	$ 71,812

Troubled Debt Restructurings

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



	Three months ended September 30, 2017
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	3	$ 404	$ 403
Real estate
Commercial and industrial-owner occupied	1	418	416
Commercial real estate	2	787	782
All other	1	7	7
Total	7	$ 1,616	$ 1,608



	Nine months ended September 30, 2017
		Pre-Modification	Post-Modification
	Number	Outstanding	Outstanding
	of	Recorded	Recorded
	Contracts	Investment	Investment
	(Dollars in thousands)
Commercial and industrial	8	$ 929	$ 919
Real estate
Consumer mortgages	5	297	296
Home equity	4	149	149
Commercial and industrial-owner occupied	4	1,396	1,389
Commercial real estate	2	787	782
All other	6	64	60
Total	29	$ 3,622	$ 3,595



	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 September 30, 2017
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	3	$ 309
Real estate
Consumer mortgages	1	65
Commercial and industrial-owner occupied	2	1,078
All other	1	5
Total	7	$ 1,457



	Nine months ended September 30, 2017
	Number of	Recorded
	Contracts	Investment
	(Dollars in thousands)
Commercial and industrial	5	$ 343
Real estate
Consumer mortgages	4	456
Home equity	1	48
Agricultural	1	10
Commercial and industrial-owner occupied	5	2,170
All other	3	10
Total	19	$ 3,037



	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