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Allowance For Loan And Lease Losses (Tables)
9 Months Ended
Sep. 30, 2011
Allowance for Loan and Lease Losses, Adjustments, Net [Abstract] 
Summary Of Activity In The Allowance For Loan and Lease Losses
 
Construction
and Land
Development
- Commercial
 
Commercial
Mortgage
 
Other
Commercial
Real Estate
 
Commercial
and Industrial
 
Lease
Financing
 
Other
 
Residential
Mortgage
 
Revolving
Mortgage
 
Construction
and Land
Development
- Non-
commercial
 
Consumer
 
Non-
specific
 
Total
Noncovered Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Three months ended September 30, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at July 1
$
9,692

 
$
67,123

 
$
2,268

 
$
24,918

 
$
3,358

 
$
1,351

 
$
7,404

 
$
22,020

 
$
1,324

 
$
27,079

 
$
14,078

 
$
180,615

Charge-offs
(6,213
)
 
(1,184
)
 
—

 
(1,010
)
 
(77
)
 
(6
)
 
(1,624
)
 
(3,686
)
 
(358
)
 
(2,901
)
 
—

 
(17,059
)
Recoveries
74

 
211

 
6

 
236

 
52

 
1

 
44

 
184

 
12

 
447

 
—

 
1,267

Provision
1,613

 
1,807

 
(113
)
 
(70
)
 
(78
)
 
(63
)
 
3,186

 
7,099

 
448

 
714

 
(232
)
 
14,311

Balance at September 30
$
5,166

 
$
67,957

 
$
2,161

 
$
24,074

 
$
3,255

 
$
1,283

 
$
9,010

 
$
25,617

 
$
1,426

 
$
25,339

 
$
13,846

 
$
179,134

Nine months ended September 30, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1
$
10,512

 
$
64,772

 
$
2,200

 
$
24,089

 
$
3,384

 
$
1,473

 
$
7,009

 
$
18,016

 
$
1,751

 
$
29,448

 
$
13,863

 
$
176,517

Charge-offs
(6,977
)
 
(3,810
)
 
—

 
(4,659
)
 
(341
)
 
(43
)
 
(4,026
)
 
(10,454
)
 
(1,432
)
 
(9,417
)
 
—

 
(41,159
)
Recoveries
153

 
914

 
17

 
826

 
100

 
2

 
835

 
530

 
173

 
1,272

 
—

 
4,822

Provision
1,478

 
6,081

 
(56
)
 
3,818

 
112

 
(149
)
 
5,192

 
17,525

 
934

 
4,036

 
(17
)
 
38,954

Balance at September 30
$
5,166

 
$
67,957

 
$
2,161

 
$
24,074

 
$
3,255

 
$
1,283

 
$
9,010

 
$
25,617

 
$
1,426

 
$
25,339

 
$
13,846

 
$
179,134

ALLL for loans and leases individually evaluated for impairment
$
310

 
$
4,641

 
$
43

 
$
433

 
$
25

 
$
—

 
$
1,025

 
$
—

 
$
92

 
$
45

 
$
—

 
$
6,614

ALLL for loans and leases collectively evaluated for impairment
4,856

 
63,316

 
2,118

 
23,641

 
3,230

 
1,283

 
7,985

 
25,617

 
1,334

 
25,294

 
—

 
158,674

Non-specific ALLL
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
13,846

 
13,846

Total allowance for loan and lease losses
$
5,166

 
$
67,957

 
$
2,161

 
$
24,074

 
$
3,255

 
$
1,283

 
$
9,010

 
$
25,617

 
$
1,426

 
$
25,339

 
$
13,846

 
$
179,134

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
22,001

 
$
66,588

 
$
580

 
$
14,222

 
$
339

 
$
—

 
$
12,033

 
$
—

 
$
2,844

 
$
992

 
$
—

 
$
119,599

Loans and leases collectively evaluated for impairment
394,718

 
4,929,448

 
143,958

 
1,783,359

 
303,700

 
158,782

 
804,705

 
2,302,482

 
136,341

 
526,434

 
—

 
11,483,927

Total loan and leases
$
416,719

 
$
4,996,036

 
$
144,538

 
$
1,797,581

 
$
304,039

 
$
158,782

 
$
816,738

 
$
2,302,482

 
$
139,185

 
$
527,426

 
$
—

 
$
11,603,526

December 31, 2010
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
5,883

 
$
4,601

 
$
67

 
$
598

 
$
58

 
$
7

 
$
384

 
$
—

 
$
13

 
$
9

 
$
—

 
$
11,620

ALLL for loans and leases collectively evaluated for impairment
4,629

 
60,171

 
2,133

 
23,491

 
3,326

 
1,466

 
6,625

 
18,016

 
1,738

 
29,439

 
—

 
151,034

Non-specific ALLL
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
13,863

 
13,863

Total allowance for loan and lease losses
$
10,512

 
$
64,772

 
$
2,200

 
$
24,089

 
$
3,384

 
$
1,473

 
$
7,009

 
$
18,016

 
$
1,751

 
$
29,448

 
$
13,863

 
$
176,517

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
28,327

 
$
57,952

 
$
964

 
$
12,989

 
$
693

 
$
76

 
$
6,162

 
$
—

 
$
514

 
$
102

 
$
—

 
$
107,779

Loans and leases collectively evaluated for impairment
310,602

 
4,679,910

 
148,746

 
1,856,501

 
300,596

 
181,939

 
872,630

 
2,233,853

 
192,440

 
595,581

 
—

 
11,372,798

Total loan and leases
$
338,929

 
$
4,737,862

 
$
149,710

 
$
1,869,490

 
$
301,289

 
$
182,015

 
$
878,792

 
$
2,233,853

 
$
192,954

 
$
595,683

 
—

 
$
11,480,577

 
Construction
and Land
Development -
Commercial
 
Commercial
Mortgage
 
Other
Commercial
Real Estate
 
Commercial
and
Industrial
 
Lease
Financing
 
Residential
Mortgage
 
Revolving
Mortgage
 
Construction
and Land
Development -
Non-commercial
 
Consumer
and Other
 
Total
Covered Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Three months ended September 30, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at July 1
$
24,234

 
$
22,093

 
$
12,841

 
$
1,872

 
$
—

 
$
3,653

 
$
10

 
$
4,720

 
$
12

 
$
69,435

Charge-offs
(10,759
)
 
(8,728
)
 
(2,686
)
 
(624
)
 
—

 
(1,409
)
 
—

 
(1,034
)
 
(15
)
 
(25,255
)
Recoveries
57

 
60

 
386

 
—

 
—

 
50

 
—

 
—

 


 
553

Provision
3,500

 
16,607

 
1,879

 
5,687

 
1

 
1,878

 
122

 
584

 
59

 
30,317

Balance at September 30
$
17,032

 
$
30,032

 
$
12,420

 
$
6,935

 
$
1

 
$
4,172

 
$
132

 
$
4,270

 
$
56

 
$
75,050

Nine months ended September 30, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1
$
20,654

 
$
13,199

 
$
4,148

 
$
6,828

 
$
—

 
$
113

 
$
676

 
$
5,607

 
$
23

 
$
51,248

Charge-offs
(20,711
)
 
(32,735
)
 
(14,160
)
 
(3,067
)
 
—

 
(4,143
)
 
—

 
(6,078
)
 
(89
)
 
(80,983
)
Recoveries
57

 
75

 
477

 
12

 
—

 
94

 
—

 
—

 
—

 
715

Provision
17,032

 
49,493

 
21,955

 
3,162

 
1

 
8,108

 
(544
)
 
4,741

 
122

 
104,070

Balance at September 30
$
17,032

 
$
30,032

 
$
12,420

 
$
6,935

 
$
1

 
$
4,172

 
$
132

 
$
4,270

 
$
56

 
$
75,050

ALLL for loans and leases individually evaluated for impairment
$
4,146

 
$
11,989

 
$
748

 
$
2,247

 
$
—

 
$
1,438

 
$
—

 
$
597

 
$
—

 
$
21,165

ALLL for loans and leases collectively evaluated for impairment
2,148

 
7,245

 
1,313

 
804

 
1

 
1,641

 
132

 
230

 
56

 
13,570

ALLL for loans and leases acquired with deteriorated credit quality
10,738

 
10,798

 
10,359

 
3,884

 
—

 
1,093

 
—

 
3,443

 
—

 
40,315

Total allowance for loan and lease losses
$
17,032

 
$
30,032

 
$
12,420

 
$
6,935

 
$
1

 
$
4,172

 
$
132

 
$
4,270

 
$
56

 
$
75,050

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
81,558

 
$
174,709

 
$
28,535

 
$
5,360

 
$
—

 
$
17,921

 
$
—

 
$
11,606

 
$
—

 
$
319,689

Loans and leases collectively evaluated for impairment
151,791

 
1,009,995

 
89,958

 
101,282

 
162

 
317,100

 
29,770

 
29,106

 
8,892

 
1,738,056

Loans and leases acquired with deteriorated credit quality
172,309

 
125,379

 
40,514

 
30,611

 
—

 
45,384

 
9,939

 
74,414

 
1,155

 
499,705

Total loan and leases
$
405,658

 
$
1,310,083

 
$
159,007

 
$
137,253

 
$
162

 
$
380,405

 
$
39,709

 
$
115,126

 
$
10,047

 
$
2,557,450

December 31, 2010
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
5,085

 
$
7,331

 
$
151

 
$
170

 
$
—

 
$
6

 
$
—

 
$
221

 
$
—

 
$
12,964

ALLL for loans and leases collectively evaluated for impairment
701

 
2,613

 
549

 
363

 
—

 
107

 
31

 
154

 
23

 
4,541

ALLL for loans and leases acquired with deteriorated credit quality
14,868

 
3,255

 
3,448

 
6,295

 
—

 
—

 
645

 
5,232

 
—

 
33,743

Total allowance for loan and lease losses
$
20,654

 
$
13,199

 
$
4,148

 
$
6,828

 
$
—

 
$
113

 
$
676

 
$
5,607

 
$
23

 
$
51,248

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
59,763

 
$
84,841

 
$
9,330

 
$
8,330

 
$
—

 
$
4,743

 
$
—

 
$
42,957

 
$
—

 
$
209,964

Loans and leases collectively evaluated for impairment
205,669

 
883,983

 
166,627

 
115,060

 
—

 
58,726

 
9,466

 
18,588

 
8,664

 
1,466,783

Loans and leases acquired with deteriorated credit quality
102,988

 
120,240

 
34,704

 
9,087

 
—

 
11,026

 
8,400

 
44,260

 
—

 
330,705

Total loan and leases
$
368,420

 
$
1,089,064

 
$
210,661

 
$
132,477

 
$
—

 
$
74,495

 
$
17,866

 
$
105,805

 
$
8,664

 
$
2,007,452

Allocation Of Noncovered Impaired Loans And Leases
 
With a
recorded
allowance
 
With no
recorded
allowance
 
Total
 
Related
allowance
recorded
September 30, 2011
 
 
 
 
 
 
 
Impaired noncovered loans and leases
 
 
 
 
 
 
 
Construction and land development - commercial
$
4,897

 
$
17,104

 
$
22,001

 
$
310

Commercial mortgage
59,491

 
7,097

 
66,588

 
4,641

Other commercial real estate
580

 
—

 
580

 
43

Commercial and industrial
7,099

 
7,123

 
14,222

 
433

Lease financing
339

 
—

 
339

 
25

Other
—

 
—

 
—

 
—

Residential mortgage
12,033

 
—

 
12,033

 
1,025

Construction and land development - non-commercial
2,844

 
—

 
2,844

 
92

Consumer
992

 
—

 
992

 
45

Total impaired noncovered loans and leases
$
88,275

 
$
31,324

 
$
119,599

 
$
6,614

December 31, 2010
 
 
 
 
 
 
 
Impaired noncovered loans and leases
 
 
 
 
 
 
 
Construction and land development - commercial
$
28,327

 
$
—

 
$
28,327

 
$
5,883

Commercial mortgage
52,658

 
5,294

 
57,952

 
4,601

Other commercial real estate
964

 
—

 
964

 
67

Commercial and industrial
11,624

 
1,365

 
12,989

 
598

Lease financing
693

 
—

 
693

 
58

Other
76

 
—

 
76

 
7

Residential mortgage
6,162

 
—

 
6,162

 
384

Construction and land development - non-commercial
514

 
—

 
514

 
13

Consumer
102

 
—

 
102

 
9

Total impaired noncovered loans and leases
$
101,120

 
$
6,659

 
$
107,779

 
$
11,620

September 30, 2010
 
 
 
 
 
 
 
Total impaired noncovered loans and leases
$
50,620

 
$
7,348

 
$
57,968

 
$
9,648


 
Average
Balance
 
Unpaid
Principal
Balance
 
Interest
Income
Recognized
Three months ended September 30, 2011
 
 
 
 
 
Noncovered impaired loans and leases:
 
 
 
 
 
Construction and land development - commercial
$
24,311

 
$
27,162

 
$
5

Commercial mortgage
68,436

 
66,906

 
297

Other commercial real estate
1,175

 
580

 
—

Commercial and industrial
14,142

 
14,222

 
149

Lease financing
478

 
339

 
3

Other
—

 
—

 
—

Residential mortgage
11,567

 
12,033

 
100

Construction and land development - non-commercial
2,703

 
2,844

 
38

Consumer
993

 
992

 
2

Total noncovered impaired loans and leases
$
123,805

 
$
125,078

 
$
594

Nine months ended September 30, 2011
 
 
 
 
 
Noncovered impaired loans and leases:
 
 
 
 
 
Construction and land development - commercial
$
27,151

 
$
27,162

 
$
109

Commercial mortgage
66,110

 
66,906

 
1,375

Other commercial real estate
1,065

 
580

 
25

Commercial and industrial
12,741

 
14,222

 
372

Lease financing
653

 
339

 
15

Other
38

 
—

 
—

Residential mortgage
9,121

 
12,033

 
276

Construction and land development - non-commercial
1,608

 
2,844

 
83

Consumer
547

 
992

 
12

Total noncovered impaired loans and leases
$
119,034

 
$
125,078

 
$
2,267

Year ended December 31, 2010
 
 
 
 
 
Noncovered impaired loans and leases:
 
 
 
 
 
Construction and land development - commercial
$
19,235

 
$
28,610

 
$
736

Commercial mortgage
25,451

 
59,760

 
2,548

Other commercial real estate
353

 
964

 
42

Commercial and industrial
3,420

 
11,624

 
663

Lease financing
281

 
693

 
37

Other
31

 
76

 
5

Residential mortgage
2,314

 
6,162

 
212

Construction and land development - non-commercial
182

 
514

 
56

Consumer
39

 
102

 
9

Total noncovered impaired loans and leases
$
51,306

 
$
108,505

 
$
4,308

Troubled Debt Restructurings on Financing Receivables
 
Three months ended September 30, 2011
 
Nine months ended September 30, 2011
 
All Restructurings
 
Restructurings with payment default
 
All Restructurings
 
Restructurings with payment default
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
Covered loans
 
 
 
 
 
 
 
 
 
 
 
Interest only period provided
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
—
$
—

 
—
$
—

 
3
$
6,055

 
1
$
5,390

Commercial mortgage
1
132

 
—
—

 
4
8,307

 
—
—

Residential mortgage
1
4,247

 
—
—

 
2
5,335

 
—
—

Total interest only
2
4,379

 
—
—

 
9
19,697

 
1
5,390

 
 
 
 
 
 
 
 
 
 
 
 
Loan term extension
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
4
2,615

 
1
347

 
7
3,276

 
1
347

Commercial mortgage
3
1,039

 
—
—

 
6
3,774

 
—
—

Other commercial real estate
—
—

 
—
—

 
4
7,853

 
—
—

Commercial and industrial
3
329

 
—
—

 
3
329

 
—
—

Residential mortgage
—
—

 
—
—

 
4
1,152

 
—
—

Construction and land development - non-commercial
—
—

 
—
—

 
1
2,719

 
1
2,719

Total loan term extension
10
3,983

 
1
347

 
25
19,103

 
2
3,066

 
 
 
 
 
 
 
 
 
 
 
 
Below market interest rate
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
7
8,613

 
—
—

 
16
23,628

 
1
1,148

Commercial mortgage
5
6,170

 
—
—

 
14
43,182

 
—
—

Other commercial real estate
1
702

 
—
—

 
1
702

 
—
—

Commercial and industrial
6
2,744

 
1
815

 
8
3,268

 
1
815

Residential mortgage
4
1,088

 
—
—

 
15
3,300

 
3
928

Construction and land development - non-commercial
2
8,856

 
—
—

 
2
8,856

 
—
—

Total below market interest rate
25
28,173

 
1
815

 
56
82,936

 
5
2,891

 
 
 
 
 
 
 
 
 
 
 
 
Other concession
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
—
—

 
—
—

 
1
240

 
—
—

Total other concession
—
—

 
—
—

 
1
240

 
—
—

Total covered restructurings
37
$
36,535

 
2
$
1,162

 
91
$
121,976

 
8
$
11,347

The following table provides the types of troubled debt restructurings made for the three and nine month periods ended September 30, 2011 as well as the loans restructured during those periods that have experienced payment default subsequent to restructuring.
 
Three months ended September 30, 2011
 
Nine months ended September 30, 2011
 
All Restructurings
 
Restructurings with payment default
 
All Restructurings
 
Restructurings with payment default
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
 
Number of Loans
Recorded investment at period end
Noncovered loans
 
 
 
 
 
 
 
 
 
 
 
Interest only period provided
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
1
$
268

 
—
$
—

 
4
$
1,160

 
1
$
662

Commercial mortgage
7
3,428

 
—
—

 
32
15,005

 
3
1,111

Commercial and industrial
2
742

 
—
—

 
5
1,507

 
—
—

Lease financing
—
—

 
—
—

 
1
69

 
—
—

Residential mortgage
1
1,256

 
—
—

 
6
3,068

 
—
—

Construction and land development - non-commercial
1
331

 
—
—

 
1
331

 
—
—

Consumer
—
—

 
—
—

 
1
900

 
—
—

Total interest only
12
6,025

 
—
—

 
50
22,040

 
4
1,773

 
 
 
 


 
 
 
 


Loan term extension
 
 
 


 
 
 
 


Construction and land development - commercial
—
—

 
—
—

 
4
1,428

 
—
—

Commercial mortgage
24
7,810

 
2
375

 
47
19,071

 
4
778

Other commercial real estate
1
54

 


 
2
200

 
—
—

Commercial and industrial
9
745

 
2
63

 
22
9,509

 
2
63

Lease financing
1
7

 
—
—

 
6
270

 
—
—

Residential mortgage
2
215

 
—
—

 
4
775

 
1
523

Construction and land development - non-commercial
—
—

 
—
—

 
1
395

 
—
—

Consumer
—
—

 
—
—

 
1
92

 
—
—

Total loan term extension
37
8,831

 
4
438

 
87
31,740

 
7
1,364

 
 
 
 


 
 
 
 


Below market interest rate
 
 
 


 
 
 
 


Construction and land development - commercial
1
234

 
—
—

 
5
1,490

 
—
—

Commercial mortgage
7
3,929

 
—
—

 
18
7,566

 
3
555

Other commercial real estate
—
—

 
—
—

 
1
380

 
1
380

Commercial and industrial
1
66

 
—
—

 
4
508

 
1
29

Residential mortgage
3
556

 
—
—

 
11
2,528

 
—
—

Construction and land development - non-commercial
—
—

 
—
—

 
1
2,001

 
—
—

Total below market interest rate
12
4,785

 
—
—

 
40
14,473

 
5
964

 
 
 
 


 
 
 
 


Other concession
 
 
 


 
 
 
 


Commercial mortgage
—
—

 
—
—

 
2
788

 
1
191

Commercial and industrial
—
—

 
—
—

 
2
38

 
1
14

Total other concession
—
—

 
—
—

 
4
826

 
2
205

Total noncovered restructurings
61
$
19,641

 
4
$
438

 
181
$
69,079

 
18
$
4,306