Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2011

Loans And Allowance For Loan Losses [Abstract]

Loans, Net Of Unearned Income

	September 30, 2011		December 31, 2010
	(In thousands)
Commercial loans:
Commercial - originated	$	819,822	$	524,653
Commercial - acquired		2,240,793		—
Commercial - covered		42,605		34,650
Total commercial		3,103,220		559,303
Construction - originated		516,561		495,590
Construction - acquired		673,197		—
Construction - covered		156,003		157,267
Total construction		1,345,761		652,857
Real estate - originated		1,242,911		1,231,414
Real estate - acquired		1,730,325		—
Real estate - covered		102,914		181,873
Total real estate		3,076,150		1,413,287
Municipal loans - originated		496,493		471,057
Municipal loans - acquired		9,681		—
Municipal loans - covered		438		540
Total municipal loans		506,612		471,597
Lease financing - originated		43,504		50,721
Total commercial loans - originated		3,119,291		2,773,435
Total commercial loans - acquired		4,653,996		—
Total commercial loans - covered		301,960		374,330
Total commercial loans		8,075,247		3,147,765
Residential mortgage loans - originated		412,267		366,183
Residential mortgage loans - acquired		776,993		—
Residential mortgage loans - covered		262,246		293,506
Total residential mortgage loans		1,451,506		659,689
Indirect consumer loans - originated		286,968		309,454
Direct consumer loans - originated		618,077		597,947
Direct consumer loans - acquired		416,729		—
Direct consumer loans - covered		157,625		141,315
Total direct consumer loans		1,192,431		739,262
Finance Company loans - originated		96,117		100,994
Total originated loans		4,532,720		4,148,013
Total acquired loans		5,847,718		—
Total covered loans		721,831		809,151
Total loans	$	11,102,269	$	4,957,164

Changes In The Carrying Amount Of Covered Acquired Loans And Accretable Yield For Loans Receivable

	September 30, 2011												September 30, 2010
	Covered						Non-covered						Covered						Non-covered
	Carrying Amount of Loans *			Net Accretable Discount			Carrying Amount of Loans *			Net Accretable Discount			Carrying Amount of Loans *			Net Accretable Discount			Carrying Amount of Loans *		Net Accretable Discount
Nine Months Ended
(In thousands)
Balance at beginning of period	$	809,459		$	107,638		$	—		$	—		$	950,430		$	315,782		$	—	$	—
Additions		—			—			536,833			94,733			—			—			—		—
Payments received, net		(127,648	)		—			(80,320	)		—			(150,420	)		—			—		—
Accretion		40,312			(40,312	)		13,558			(13,558	)		42,027			(42,027	)		—		—
Balance at end of period	$	722,123		$	67,326		$	470,071		$	81,175		$	842,037		$	273,755		$	—	$	—

* Excludes covered credit card loans and loans held for sale

Summary Of Allowance For Loan Losses, Amounts Charged-Off And Recoveries Of Loans Previously Charged-Off

				Residential			Indirect			Direct			Finance
	Commercial			mortgages			consumer			consumer			Company			Total
(In thousands)	September 30, 2011
Allowance for loan losses:
Beginning balance	$	56,859		$	4,626		$	2,918		$	9,322		$	8,272		$	81,997
Charge-offs		(25,597	)		(1,774	)		(1,496	)		(4,498	)		(3,236	)		(36,601	)
Recoveries		9,863			1,044			727			1,255			831			13,720
Net Provision for loan losses (a)		18,841			5,286			372			1,218			1,503			27,220
Increase (decrease) in indemnification asset (a)		19,583			—			—			12,194			—			31,777
Ending balance	$	79,549		$	9,182		$	2,521		$	19,491		$	7,370		$	118,113
Ending balance:
Individually evaluated for impairment	$	5,959		$	641		$	—		$	—		$	—		$	6,600
Collectively evaluated for impairment		73,590			8,541			2,521			19,491			7,370			111,513
Covered loans with deteriorated credit quality		20,911			—			—			12,836			—			33,747
Loans:
Ending balance:	$	8,075,247		$	1,451,506		$	286,968		$	1,192,431		$	96,117		$	11,102,269
Individually evaluated for impairment		44,317			5,199			—			—			—			49,516
Collectively evaluated for impairment		7,728,970			1,184,061			286,968			1,034,806			96,117			10,330,922
Covered loans		301,960			262,246			—			157,625			—			721,831
Acquired loans (b)		4,653,996			776,993			—			416,729			—			5,847,718

(a) The provision for loan losses is shown "net" after coverage provided by FDIC loss share agreements on covered loans. This results in an increase in the indemnification asset, which is the difference between the provision for loan losses on covered loans of ($1,671), and the impairment $33,448 on those covered loans.

(b) Acquired loans are recorded at fair value with no allowance brought forward in accordance with acquisition accounting.

				Residential			Indirect			Direct			Finance
	Commercial			mortgages			consumer			consumer			Company			Total
(In thousands)	September 30, 2010
Allowance for loan losses:
Beginning balance	$	42,484		$	4,782		$	3,826		$	7,145		$	7,813		$	66,050
Charge-offs		(32,687	)		(3,211	)		(2,474	)		(3,876	)		(4,396	)		(46,644	)
Recoveries		2,772			360			848			1,024			714			5,718
Net Provision for loan losses		41,426			3,603			1,189			3,921			4,462			54,601
Ending balance	$	53,995		$	5,534		$	3,389		$	8,214		$	8,593		$	79,725
Ending balance:
Individually evaluated for impairment	$	9,136		$	1,091		$	—		$	—		$	—		$	10,227
Collectively evaluated for impairment		44,859			4,443			3,389			8,214			8,593			69,498
Covered loans with deteriorated credit quality		—			—			—			—			—			—
Loans:
Ending balance:	$	3,068,415		$	693,862		$	322,501		$	721,513		$	101,406		$	4,907,697
Individually evaluated for impairment		65,519			5,643			—			—			—			71,162
Collectively evaluated for impairment		2,616,209			364,946			322,501			597,522			101,406			4,002,584
Covered loans		386,687			323,273			—			123,991			—			833,951

Summary Of Composition Of Non-Accrual Loans By Portfolio Segment

	September 30,		December 31,
	2011		2010
	(In thousands)
Commercial - originated	$	35,046	$	42,077
Commercial - restructured		4,410		8,302
Commercial - covered		32,869		41,917
Residential mortgages - originated		19,401		18,290
Residential mortgages - restructured		—		409
Residential mortgages - covered		1,237		3,199
Direct consumer - originated		2,565		4,862
Direct consumer - acquired		1,061		—
Direct consumer - covered		—		170
Finance Company - originated		1,596		1,759
Total	$	98,185	$	120,985

Schedule Of Troubled Debt Restructurings Occurred During The Period By Portfolio Segment

			September 30, 2011						September 30, 2010
	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings:
Commercial		18	$	15,855	$	13,425		4	$	9,550	$	7,943
Residential mortgage		1		631		623		2		1,190		1,185
Total		19	$	16,486	$	14,048		6	$	10,740	$	9,128

Schedule Of Troubled Debt Restructurings That Subsequently Defaulted During Period By Portfolio Segment

	September 30, 2011				September 30, 2010
	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment
Troubled Debt Restructurings That Subsequently Defaulted:
Commercial		2	$	742		—	$	—
Total		2	$	742		—	$	—

Summary Of Impaired Loans Disaggregated By Class

September 30, 2011	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
			(In thousands)
With no related allowance recorded:
Commercial - originated	$	14,288	$	14,288	$	—	$	17,108	$	253
Residential mortgages - originated		1,233		1,233		—		1,115		2
Residential mortgages - covered		1,237		1,237		—		2,540		—
		16,758		16,758		—		20,763		255
With an allowance recorded:
Commercial - originated		30,029		30,029		5,958		33,499		278
Commercial - covered		32,869		32,869		10,900		38,203		—
Residential mortgages - originated		3,966		3,966		641		5,074		58
		66,864		66,864		17,499		76,776		336
Total:
Commercial - originated		44,317		44,317		5,958		50,607		531
Commercial - covered		32,869		32,869		10,900		38,203		—
Residential mortgages - originated		5,199		5,199		641		6,189		60
Residential mortgages - covered		1,237		1,237		—		2,540		—
Total	$	83,622	$	83,622	$	17,499	$	97,539	$	591
December 31, 2010	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
			(In thousands)
With no related allowance recorded:
Commercial	$	22,641	$	22,641	$	—	$	26,472	$	224
Commercial - covered		41,917		41,917		—		49,070		—
Residential mortgages		1,263		1,263		—		1,601		26
Residential mortgages - covered		3,199		3,199		—		3,631		—
Direct consumer - covered		170		170		—		184		—
		69,190		69,190		—		80,958		250
With an allowance recorded:
Commercial		34,194		34,194		10,648		36,650		523
Residential mortgages		4,355		4,355		1,304		4,358		88
		38,549		38,549		11,952		41,008		611
Total:
Commercial		56,835		56,835		10,648		63,122		747
Commercial - covered		41,917		41,917		—		49,070		—
Residential mortgages		5,618		5,618		1,304		5,959		114
Residential mortgages - covered		3,199		3,199		—		3,631		—
Direct consumer - covered		170		170		—		184		—
Total	$	107,739	$	107,739	$	11,952	$	121,966	$	861

Summary Of Age Analysis Of Past Due Loans

September 30, 2011	30-89 days past due		Greater than 90 days past due		Total past due		Current		Total Loans		Recorded investment > 90 days and accruing
	(In thousands)
Commercial - originated	$	15,862	$	35,372	$	51,234	$	3,054,009	$	3,105,243	$	326
Commercial - restructured		—		4,410		4,410		9,638		14,048		—
Commercial - acquired		—		—		—		4,653,996		4,653,996		—
Commercial - covered		—		32,869		32,869		269,091		301,960		—
Residential mortgages - originated		16,563		19,453		36,016		376,251		412,267		52
Residential mortgages - acquired		—		—		—		776,993		776,993		—
Residential mortgages - covered		—		1,237		1,237		261,009		262,246		—
Indirect consumer - originated		—		—		—		286,968		286,968		—
Direct consumer - originated		2,330		2,718		5,048		613,029		618,077		153
Direct consumer - acquired		2,833		2,168		5,001		411,728		416,729		1,107
Direct consumer - covered		—		—		—		157,625		157,625		—
Finance Company		4,919		1,596		6,515		89,602		96,117		—
Total	$	42,507	$	99,823	$	142,330	$	10,959,939	$	11,102,269	$	1,638
December 31, 2010	30-89 days past due		Greater than 90 days past due		Total past due		Current		Total Loans		Recorded investment > 90 days and accruing
	(In thousands)
Commercial	$	12,463	$	41,967	$	54,430	$	2,706,363	$	2,760,793	$	300
Commercial - restructured		—		8,712		8,712		3,929		12,641		—
Commercial - covered		—		41,917		41,917		332,414		374,331		—
Residential mortgages		22,109		19,573		41,682		324,502		366,184		874
Residential mortgages - covered		—		3,199		3,199		290,306		293,505		—
Indirect consumer		—		—		—		309,454		309,454		—
Direct consumer		4,488		5,180		9,668		588,279		597,947		318
Direct consumer - covered		—		170		170		141,145		141,315		—
Finance Company		2,011		1,759		3,770		97,224		100,994		—
Total	$	41,071	$	122,477	$	163,548	$	4,793,616	$	4,957,164	$	1,492

Schedule Of Credit Quality Indicators Of Various Classes Of Loans

	September 30, 2011								December 31, 2010
	Commercial - originated		Commercial - acquired		Commercial - covered		Total commercial		Commercial - originated		Commercial - covered		Total commercial
	(In thousands)								(In thousands)
Grade:
Pass	$	2,746,943	$	3,934,980	$	42,890	$	6,724,813	$	2,332,952	$	45,609	$	2,378,561
Pass-Watch		114,593		41,230		28,043		183,866		138,839		35,289		174,128
Special Mention		27,441		133,198		15,690		176,329		26,216		21,031		47,247
Substandard		205,378		541,586		134,002		880,966		265,180		254,033		519,213
Doubtful		24,936		3,002		81,335		109,273		10,248		18,368		28,616
Loss		—		—		—		—		—		—		—
Total	$	3,119,291	$	4,653,996	$	301,960	$	8,075,247	$	2,773,435	$	374,330	$	3,147,765

Schedule Of Credit Risk Profile By Internally Assigned Grade

	September 30, 2011								December 31, 2010
	Residential mortgages - originated		Residential mortgages - acquired		Residential mortgages - covered		Total residential mortgages		Residential mortgages - originated		Residential mortgages - covered		Total residential mortgages
	(In thousands)								(In thousands)
Grade:
Pass	$	339,348	$	703,342	$	140,181	$	1,182,871	$	284,712	$	159,885	$	444,597
Pass-Watch		12,813		1,089		15,081		28,983		7,856		29,674		37,530
Special Mention		2,239		9,271		4,783		16,293		—		15,220		15,220
Substandard		56,927		62,522		100,103		219,552		73,615		87,636		161,251
Doubtful		940		764		2,098		3,802		—		1,091		1,091
Loss		—		5		—		5		—		—		—
Total	$	412,267	$	776,993	$	262,246	$	1,451,506	$	366,183	$	293,506	$	659,689

Schedule Of Credit Risk Profile Based On Payment Activity

	September 30, 2011
	Direct consumer- originated		Direct consumer - acquired		Direct consumer - covered		Total direct consumer		Indirect consumer		Finance company
	(In thousands)
Performing	$	615,512	$	415,668	$	157,625	$	1,188,805	$	286,968	$	94,521
Nonperforming		2,565		1,061		—		3,626		—		1,596
Total	$	618,077	$	416,729	$	157,625	$	1,192,431	$	286,968	$	96,117

	December 31, 2010
	Direct consumer - originated		Direct consumer - covered		Total direct consumer		Indirect consumer		Finance company
	(In thousands)
Performing	$	593,085	$	141,145	$	734,230	$	309,454	$	99,235
Nonperforming		4,862		170		5,032		—		1,759
Total	$	597,947	$	141,315	$	739,262	$	309,454	$	100,994