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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 3 Months Ended
Mar. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Changes in the Allowance for Loan and Lease Losses for the Previous Five Quarters
Changes in the allowance for loan and lease losses for the previous five quarters are presented in the table that follows:
 
 
Three Months Ended
 
 
2013
 
2012
(Dollars in thousands)
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
June 30,
 
Mar. 31,
Balance at beginning of period
 
$
47,777

 
$
49,192

 
$
50,952

 
$
49,437

 
$
52,576

Provision for loan and lease losses
 
3,041

 
3,882

 
3,613

 
8,364

 
3,258

Loans charged off
 
(3,210
)
 
(5,548
)
 
(5,804
)
 
(7,138
)
 
(6,822
)
Recoveries
 
698

 
251

 
431

 
289

 
425

Balance at end of period
 
$
48,306

 
$
47,777

 
$
49,192

 
$
50,952

 
$
49,437

Allowance for loan and lease losses to total ending loans
 
1.49
%
 
1.50
%
 
1.60
%
 
1.69
%
 
1.67
%
Allowance for Loan and Lease Losses by Classification
Year-to-date changes in the allowance for loan and lease losses by loan category were as follows:
  
 
Three Months Ended March 31, 2013
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial
 
Construction
 
Commercial
 
Residential
 
Installment
 
Home Equity
 
Other
 
Total
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
7,926

 
$
3,268

 
$
24,151

 
$
3,599

 
$
522

 
$
5,173

 
$
3,138

 
$
47,777

Provision for loan and lease losses
 
1,620

 
(296
)
 
457

 
365

 
(38
)
 
848

 
85

 
3,041

Gross charge-offs
 
781

 
0

 
995

 
223

 
100

 
701

 
410

 
3,210

Recoveries
 
319

 
136

 
39

 
4

 
77

 
52

 
71

 
698

Total net charge-offs
 
462

 
(136
)
 
956

 
219

 
23

 
649

 
339

 
2,512

Ending allowance for loan and lease losses
 
$
9,084

 
$
3,108

 
$
23,652

 
$
3,745

 
$
461

 
$
5,372

 
$
2,884

 
$
48,306

Ending allowance on loans individually evaluated for impairment
 
$
2,596

 
$
832

 
$
6,352

 
$
290

 
$
0

 
$
2

 
$
92

 
$
10,164

Ending allowance on loans collectively evaluated for impairment
 
6,488

 
2,276

 
17,300

 
3,455

 
461

 
5,370

 
2,792

 
38,142

Ending allowance for loan and lease losses
 
$
9,084

 
$
3,108

 
$
23,652

 
$
3,745

 
$
461

 
$
5,372

 
$
2,884

 
$
48,306

Loans - excluding covered loans
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
17,612

 
$
2,068

 
$
35,828

 
$
3,953

 
$
0

 
$
525

 
$
496

 
$
60,482

Ending balance of loans collectively evaluated for impairment
 
874,769

 
85,474

 
1,397,354

 
326,307

 
53,509

 
365,418

 
85,525

 
3,188,356

Total loans - excluding covered loans
 
$
892,381

 
$
87,542

 
$
1,433,182

 
$
330,260

 
$
53,509

 
$
365,943

 
$
86,021

 
$
3,248,838


 
 
Twelve Months Ended December 31, 2012
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial
 
Construction
 
Commercial
 
Residential
 
Installment
 
Home Equity
 
Other
 
Total
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of period
 
$
10,289

 
$
4,424

 
$
18,228

 
$
4,994

 
$
1,659

 
$
10,751

 
$
2,231

 
$
52,576

Provision for loan and lease losses
 
1,556

 
1,528

 
16,670

 
346

 
(883
)
 
(2,032
)
 
1,932

 
19,117

Gross charge-offs
 
4,312

 
2,684

 
11,012

 
1,814

 
577

 
3,661

 
1,252

 
25,312

Recoveries
 
393

 
0

 
265

 
73

 
323

 
115

 
227

 
1,396

Total net charge-offs
 
3,919

 
2,684

 
10,747

 
1,741

 
254

 
3,546

 
1,025

 
23,916

Ending allowance for loan and lease losses
 
$
7,926

 
$
3,268

 
$
24,151

 
$
3,599

 
$
522

 
$
5,173

 
$
3,138

 
$
47,777

Ending allowance on loans individually evaluated for impairment
 
$
1,151

 
$
838

 
$
7,155

 
$
290

 
$
0

 
$
2

 
$
92

 
$
9,528

Ending allowance on loans collectively evaluated for impairment
 
6,775

 
2,430

 
16,996

 
3,309

 
522

 
5,171

 
3,046

 
38,249

Ending allowance for loan and lease losses
 
$
7,926

 
$
3,268

 
$
24,151

 
$
3,599

 
$
522

 
$
5,173

 
$
3,138

 
$
47,777

Loans - excluding covered loans
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
16,661

 
$
2,076

 
$
35,422

 
$
2,604

 
$
0

 
$
101

 
$
496

 
$
57,360

Ending balance of loans collectively evaluated for impairment
 
844,372

 
71,441

 
1,381,586

 
315,606

 
56,810

 
367,399

 
84,490

 
3,121,704

Total loans - excluding covered loans
 
$
861,033

 
$
73,517

 
$
1,417,008

 
$
318,210

 
$
56,810

 
$
367,500

 
$
84,986

 
$
3,179,064
Covered Loans
  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Changes in the Allowance for Loan and Lease Losses for the Previous Five Quarters
The allowance for loan and lease losses on covered loans is presented in the tables below:
 
 
March 31, 2013
 
 
 
 
Real Estate
 
 
 
 
(Dollars in thousands)
 
Commercial
 
Commercial
 
Residential
 
Installment
 
Total
Ending allowance on loans acquired with deteriorated credit quality (ASC 310-30)
 
$
15,362

 
$
26,391

 
$
3,384

 
$
359

 
$
45,496

Ending allowance on acquired loans outside the scope of ASC 310-30
 
0

 
0

 
0

 
0

 
0

Ending allowance on covered loans
 
$
15,362

 
$
26,391

 
$
3,384

 
$
359

 
$
45,496


 
 
December 31, 2012
 
 
 
 
Real Estate
 
 
 
 
(Dollars in thousands)
 
Commercial
 
Commercial
 
Residential
 
Installment
 
Total
Ending allowance on loans acquired with deteriorated credit quality (ASC 310-30)
 
$
19,136

 
$
22,918

 
$
2,599

 
$
537

 
$
45,190

Ending allowance on acquired loans outside the scope of ASC 310-30
 
0

 
0

 
0

 
0

 
0

Ending allowance on covered loans
 
$
19,136

 
$
22,918

 
$
2,599

 
$
537

 
$
45,190
Allowance for Loan and Lease Losses by Classification
Changes in the allowance for loan and lease losses on covered loans for the previous five quarters were as follows:
 
 
Three Months Ended
 
 
2013
 
2012
(Dollars in thousands)
 
Mar. 31,
 
Dec. 31,
 
Sep. 30,
 
June 30,
 
Mar. 31,
Balance at beginning of period
 
$
45,190

 
$
48,895

 
$
48,327

 
$
46,156

 
$
42,835

Provision for loan and lease losses
 
9,042

 
5,283

 
6,622

 
6,047

 
12,951

Loans charged-off
 
(9,684
)
 
(9,568
)
 
(9,058
)
 
(5,163
)
 
(10,118
)
Recoveries
 
948

 
580

 
3,004

 
1,287

 
488

Balance at end of period
 
$
45,496

 
$
45,190

 
$
48,895

 
$
48,327

 
$
46,156