XML 89 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
Changes in the Allowance for Loan and Lease Losses for the Previous Three Years

Changes in the allowance for loan and lease losses for the three years ended December 31 were as follows:
(Dollars in thousands)
 
2013
 
2012
 
2011
Balance at beginning of year
 
$
47,777

 
$
52,576

 
$
57,235

Provision for loan and lease losses
 
8,714

 
19,117

 
19,210

Loans charged-off
 
(17,283
)
 
(25,312
)
 
(25,798
)
Recoveries
 
4,621

 
1,396

 
1,929

Balance at end of year
 
$
43,829

 
$
47,777

 
$
52,576
Allowance for Loan and Lease Losses by Classification
Changes in the allowance for loan and lease losses by loan category as of December 31 were as follows:
  
 
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 year
 
$
7,926

 
$
3,268

 
$
24,151

 
$
3,599

 
$
522

 
$
5,173

 
$
3,138

 
$
47,777

Provision for loan and lease losses
 
5,385

 
(3,115
)
 
2,659

 
593

 
(132
)
 
1,937

 
1,387

 
8,714

Gross charge-offs
 
3,415

 
1

 
8,326

 
1,016

 
335

 
2,409

 
1,781

 
17,283

Recoveries
 
672

 
672

 
1,994

 
203

 
310

 
508

 
262

 
4,621

Total net charge-offs
 
2,743

 
(671
)
 
6,332

 
813

 
25

 
1,901

 
1,519

 
12,662

Ending allowance for loan and lease losses
 
$
10,568

 
$
824

 
$
20,478

 
$
3,379

 
$
365

 
$
5,209

 
$
3,006

 
$
43,829

Ending allowance on loans individually evaluated for impairment
 
$
2,080

 
$
0

 
$
2,872

 
$
348

 
$
0

 
$
2

 
$
0

 
$
5,302

Ending allowance on loans collectively evaluated for impairment
 
8,488

 
824

 
17,606

 
3,031

 
365

 
5,207

 
3,006

 
38,527

Ending allowance for loan and lease losses
 
$
10,568

 
$
824

 
$
20,478

 
$
3,379

 
$
365

 
$
5,209

 
$
3,006

 
$
43,829

Loans and Leases
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
10,391

 
$
0

 
$
18,023

 
$
3,493

 
$
122

 
$
648

 
$
0

 
$
32,677

Ending balance of loans collectively evaluated for impairment
 
1,025,277

 
80,741

 
1,478,964

 
349,438

 
47,011

 
375,806

 
115,727

 
3,472,964

Total loans, excluding covered loans
 
$
1,035,668

 
$
80,741

 
$
1,496,987

 
$
352,931

 
$
47,133

 
$
376,454

 
$
115,727

 
$
3,505,641


 
 
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 year
 
$
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 and Leases
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

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



 
 
2011
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
Commercial
 
Construction
 
Commercial
 
Residential
 
Installment
 
Home Equity
 
Other
 
Total
Allowance for loan and lease losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of year
 
$
10,138

 
$
8,326

 
$
14,917

 
$
8,907

 
$
1,981

 
$
10,939

 
$
2,027

 
$
57,235

Provision for loan and lease losses
 
2,825

 
2,345

 
13,384

 
(2,407
)
 
(159
)
 
1,878

 
1,344

 
19,210

Gross charge-offs
 
3,436

 
6,279

 
10,382

 
1,551

 
526

 
2,183

 
1,441

 
25,798

Recoveries
 
762

 
32

 
309

 
45

 
363

 
117

 
301

 
1,929

Total net charge-offs
 
2,674

 
6,247

 
10,073

 
1,506

 
163

 
2,066

 
1,140

 
23,869

Ending allowance for loan and lease losses
 
$
10,289

 
$
4,424

 
$
18,228

 
$
4,994

 
$
1,659

 
$
10,751

 
$
2,231

 
$
52,576

Ending allowance on loans individually evaluated for impairment
 
$
3,205

 
$
2,578

 
$
6,441

 
$
313

 
$
0

 
$
2

 
$
0

 
$
12,539

Ending allowance on loans collectively evaluated for impairment
 
7,084

 
1,846

 
11,787

 
4,681

 
1,659

 
10,749

 
2,231

 
40,037

Ending allowance for loan and lease losses
 
$
10,289

 
$
4,424

 
$
18,228

 
$
4,994

 
$
1,659

 
$
10,751

 
$
2,231

 
$
52,576

Loans and Leases
 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending balance of loans individually evaluated for impairment
 
$
8,351

 
$
17,387

 
$
30,708

 
$
3,730

 
$
0

 
$
101

 
$
0

 
$
60,277

Ending balance of loans collectively evaluated for impairment
 
848,630

 
97,587

 
1,202,359

 
284,250

 
67,543

 
358,859

 
48,942

 
2,908,170

Total loans, excluding covered loans
 
$
856,981

 
$
114,974

 
$
1,233,067

 
$
287,980

 
$
67,543

 
$
358,960

 
$
48,942

 
$
2,968,447
Covered Loans
  
Changes in the Allowance for Loan and Lease Losses for the Previous Three Years
Changes in the allowance for loan and lease losses on covered loans for the three years ended December 31 were as follows:
(Dollars in thousands)
 
2013
 
2012
 
2011
Balance at beginning of year
 
$
45,190

 
$
42,835

 
$
16,493

Provision for loan and lease losses
 
195

 
30,903

 
64,081

Loans charged-off
 
(39,224
)
 
(33,907
)
 
(45,604
)
Recoveries
 
12,740

 
5,359

 
7,865

Balance at end of year
 
$
18,901

 
$
45,190

 
$
42,835
Allowance for Loan and Lease Losses by Classification
The allowance for loan and lease losses on covered loans as of December 31 was:
(Dollars in thousands)
 
2013
 
2012
Commercial
 
$
9,400

 
$
19,136

Real estate - commercial
 
8,515

 
22,918

Real estate - residential
 
761

 
2,599

Installment
 
225

 
537

Total
 
$
18,901

 
$
45,190