Finance Receivables And Allowance For Credit Losses (Tables)

12 Months Ended

Dec. 31, 2011

Finance Receivables And Allowance For Credit Losses [Abstract]


(dollars in thousands)	2011			2010
Commercial (1)	$	1,216,654		$	1,211,399
Commercial real estate:
Construction		46,141			101,016
Other		1,021,229			841,379
Residential real estate		995,458			664,705
Consumer credit:
Heloc		235,603			248,293
Auto		483,575			497,102
Other		142,183			179,557
Covered loans		626,360			0
Total loans		4,767,203			3,743,451
Allowance for loan losses		(57,117	)		(72,309	)
Allowance for loan losses - covered loans		(943	)		0
Net loans	$	4,709,143		$	3,671,142

(1) Includes direct finance leases of $79.6 million and $106.1 million at December 31, 2011 and 2010, respectively.

Schedule Of Related Party Loans


(dollars in thousands)	2011
Balance, January 1	$	14,251
New loans		5,026
Repayments		(4,709	)
Balance, December 31	$	14,568

Schedule Of Activity In The Allowance For Loan Losses


Commercial
(dollars in thousands)	Commercial			Real Estate			Consumer			Residential			Unallocated	Total
2011

Allowance for loan losses:
Beginning balance	$	26,204		$	32,654		$	11,142		$	2,309		0	$	72,309
Charge-offs		(10,300	)		(12,319	)		(10,335	)		(1,945	)	0		(34,899	)
Recoveries		4,330			2,302			6,226			319		0		13,177
Provision		(270	)		4,356			(79	)		3,466		0		7,473
Ending balance	$	19,964		$	26,993		$	6,954		$	4,149		0	$	58,060
Commercial
(dollars in thousands)	Commercial			Real Estate			Consumer			Residential			Unallocated	Total
2010

Allowance for loan losses:
Beginning balance	$	26,869		$	27,138		$	13,853		$	1,688		0	$	69,548
Charge-offs		(11,967	)		(10,196	)		(16,848	)		(2,296	)	0		(41,307	)
Recoveries		5,060			2,041			6,014			172		0		13,287
Provision		6,242			13,671			8,123			2,745		0		30,781
Ending balance	$	26,204		$	32,654		$	11,142		$	2,309		0	$	72,309

Schedule Of Recorded Investment In Financing Receivables


Commercial
(dollars in thousands)	Commercial		Real Estate		Consumer		Residential		Unallocated	Total
2011
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$	7,015	$	4,177		0		0	0	$	11,192
Ending balance: collectively evaluated for impairment	$	12,816	$	21,397	$	6,335	$	2,752	0	$	43,300
Ending balance: loans acquired with deteriorated credit quality	$	128	$	1,288	$	445	$	764	0	$	2,625
Ending balance: covered loans acquired with deteriorated credit quality	$	5	$	131	$	174	$	633	0	$	943
Total allowance for credit losses	$	19,964	$	26,993	$	6,954	$	4,149	0	$	58,060
Loans and leases outstanding:
Ending balance: individually evaluated for impairment	$	31,838	$	43,225		0		0	0	$	75,063
Ending balance: collectively evaluated for impairment	$	1,183,675	$	1,002,105	$	861,361	$	995,458	0	$	4,042,599
Ending balance: loans acquired with deteriorated credit quality	$	1,141	$	22,040		0		0	0	$	23,181
Ending balance: covered loans acquired with deteriorated credit quality	$	124,755	$	325,934	$	128,700	$	46,971	0	$	626,360
Total loans and leases outstanding	$	1,341,409	$	1,393,304	$	990,061	$	1,042,429	0	$	4,767,203
Commercial
(dollars in thousands)	Commercial		Real Estate		Consumer		Residential		Unallocated	Total
2010
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$	6,063	$	8,514		0		0	0	$	14,577
Ending balance: collectively evaluated for impairment	$	20,141	$	24,140	$	11,142	$	2,309	0	$	57,732
Total allowance for credit losses	$	26,204	$	32,654	$	11,142	$	2,309	0		72,309
Loans and leases outstanding:
Ending balance: individually evaluated for impairment	$	23,944	$	29,377		0		0	0	$	53,321
Ending balance: collectively evaluated for impairment	$	1,187,455	$	913,018	$	924,952	$	664,705	0	$	3,690,130
Total loans and leases outstanding	$	1,211,399	$	942,395	$	924,952	$	664,705	0	$	3,743,451

Schedule Of Risk Category Of Loans


(dollars in thousands)
Corporate Credit Exposure Credit Risk Profile by Internally Assigned Grade	Commercial				Commercial Real Estate- Construction				Commercial Real Estate- Other
	Commercial				Commercial Real Estate- Construction				Commercial Real Estate- Other				2011	2010	2011	2010	2011	2010
	Grade:
Pass	$	1,103,556	$	1,105,382	$	16,841	$	77,241	$	895,543	$	729,243
Criticized		36,212		38,629		13,605		16,223		30,331		29,161
Classified - substandard		41,695		41,899		10,147		7,552		34,478		52,559
Classified - doubtful		35,191		25,489		5,548		0		60,877		30,416
Total	$	1,216,654	$	1,211,399	$	46,141	$	101,016	$	1,021,229	$	841,379

Recorded Investment In Residential And Consumer Loans Based On Payment Activity


2011	Consumer						Residential
(dollars in thousands)
(dollars in thousands)	Heloc		Auto		Other
Performing	$	234,334	$	481,632	$	140,605	$	985,211
Nonperforming		1,269		1,943		1,578		10,247
	$	235,603	$	483,575	$	142,183	$	995,458


2010	Consumer						Residential
(dollars in
thousands)	Heloc		Auto		Other
Performing	$	246,390	$	494,771	$	177,470	$	655,986
Nonperforming		1,903		2,331		2,087		8,719
	$	248,293	$	497,102	$	179,557	$	664,705

Schedule Of Impaired Loans That Are Individually Evaluated


	Recorded Investment		Unpaid Principal Balance		Related Allowance

(dollars in thousands)
December 31, 2011
With no related allowance recorded:
Commercial	$	10,094	$	13,047	$	0
Commercial Real Estate - Construction		610		610		0
Commercial Real Estate - Other		18,136		27,372		0
With an allowance recorded:
Commercial		21,744		24,928		7,143
Commercial Real Estate - Construction		2,256		3,327		12
Commercial Real Estate - Other		22,223		24,792		5,453
Total Commercial	$	75,063	$	94,076	$	12,608

December 31, 2010
With no related allowance recorded:
Commercial	$	6,116	$	8,001	$	0
Commercial Real Estate - Construction		0		0		0
Commercial Real Estate - Other		10,554		16,781		0
With an allowance recorded:
Commercial		17,828		20,341		6,063
Commercial Real Estate - Construction		0		0		0
Commercial Real Estate - Other		18,823		19,849		8,514
Total Commercial	$	53,321	$	64,972	$	14,577

Schedule Of Average Balance And Interest Income Recognized On Impaired Loans


	Average Recorded Investment		Interest Income Recognized (1)

(dollars in thousands)
December 31, 2011
With no related allowance recorded:
Commercial	$	8,105	$	357
Commercial Real Estate - Construction		305		0
Commercial Real Estate - Other		14,346		463
With an allowance recorded:
Commercial		19,786		679
Commercial Real Estate - Construction		1,128		89
Commercial Real Estate - Other		20,524		626
Total Commercial	$	64,194	$	2,214

(1) The Company does not record interest on nonaccrual loans until principal is recovered.


December 31, 2010
With no related allowance recorded:
Commercial	$	4,972	$	61
Commercial Real Estate - Construction		0		0
Commercial Real Estate - Other		9,693		250
With an allowance recorded:
Commercial		19,129		545
Commercial Real Estate - Construction		135		0
Commercial Real Estate - Other		17,288		423
Total Commercial	$	51,217	$	1,279

(1) The Company does not record interest on nonaccrual loans until principal is recovered.

Schedule Of Past Due Financing Receivables


	30-59 Days Past Due		60-89 Days Past Due		Recorded Investment > 90 Days and Accruing		Nonaccrual		Total Past Due		Current


(dollars in thousands)
December 31, 2011
Commercial	$	2,755	$	357	$	358	$	34,104	$	37,574	$	1,179,080
Commercial Real Estate:
Construction		0		164		0		5,425		5,589		40,552
Other		7,466		413		279		60,762		68,920		952,309
Consumer:
Heloc		706		186		151		1,269		2,312		233,291
Auto		5,745		1,276		246		1,943		9,210		474,365
Other		2,002		463		76		1,578		4,119		138,064
Residential		7,950		1,839		0		10,247		20,036		975,422
Covered loans		5,446		2,033		2,338		182,880		192,697		433,663
Total	$	32,070	$	6,731	$	3,448	$	298,208	$	340,457	$	4,426,746

December 31, 2010
Commercial	$	2,543	$	583	$	79	$	25,488	$	28,693	$	1,182,706
Commercial Real Estate:
Construction		0		0		0		0		0		101,016
Other		992		98		0		30,416		31,506		809,873
Consumer:
Heloc		849		477		189		1,903		3,418		244,875
Auto		5,791		1,316		120		2,331		9,558		487,544
Other		1,129		972		184		2,088		4,373		175,184
Residential		9,126		1,589		0		8,719		19,434		645,271
Total	$	20,430	$	5,035	$	572	$	70,945	$	96,982	$	3,646,469

Troubled Debt Restructurings During The Twelve Months


	Number of Contracts	Recorded Investment
(dollars in thousands)	Number of Contracts	Recorded Investment
Troubled Debt Restructuring
That Subsequently Defaulted:
Commercial	3	$	1,647
Commercial Real Estate	6		1,587
Total	9	$	3,234

TDRs For Which There Was A Payment Default Within Twelve Months Of Restructuring


	Number of Loans	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment

(dollars in thousands)
Troubled Debt Restructuring:
Commercial	25	$	7,086	$	7,086
Commercial Real Estate - construction	1		1,422		1,422
Commercial Real Estate - other	46		5,956		4,429
Consumer - other	1		53		53
Total	73	$	14,517	$	12,990

Schedule Of Activity Of Purchased Impaired Loans


	December 31, 2011
(dollars in thousands)	December 31, 2011
Commercial	$	1,143
Commercial real estate		23,059
Consumer		41,064
Residential		418
Outstanding balance	$	65,684
Carrying amount, net of allowance of $1,702	$	63,982

Schedule Of Accretable Difference On Purchased Loans


	Monroe			Integra Noncovered			Total
(dollars in thousands)	Monroe			Integra Noncovered			Total
Balance at January 1, 2011	$	0		$	0		$	0
New loans purchased		7,001			6,364			13,365
Accretion of income		(14,149	)		(1,164	)		(15,313	)
Reclassifications from (to) nonaccretable difference		22,925			671			23,596
Disposals/other adjustments		(269	)					(269	)
Balance at December 31, 2011	$	15,508		$	5,871		$	21,379

Schedule Of Payments Receivable Of Loans Purchased


	Monroe Bancorp January 1, 2011			Integra Bank July 29, 2011
(Dollars in thousands)	Monroe Bancorp January 1, 2011			Integra Bank July 29, 2011
Contractually required payments	$	94,714		$	921,856
Nonaccretable difference		(45,157	)		(226,426	)

Cash flows expected to be collected at acquisition		49,557			695,430
Accretable yield		(6,971	)		(98,487	)
Fair value of acquired loans at acquisition	$	42,586		$	596,943