Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2012

Loans and Leases Receivable Disclosure [Abstract]

Loans And Leases Outstanding

Loans and leases outstanding include the following as of the dates indicated:

	September 30, 2012		December 31, 2011		September 30, 2011
Covered loans	$	1,897,097	$	2,362,152	$	2,557,450
Noncovered loans and leases:
Commercial:
Construction and land development	319,743		381,163		416,719
Commercial mortgage	5,171,964		5,104,993		4,996,036
Other commercial real estate	158,767		144,771		144,538
Commercial and industrial	1,740,435		1,764,407		1,797,581
Lease financing	321,908		312,869		304,039
Other	131,755		158,369		158,782
Total commercial loans	7,844,572		7,866,572		7,817,695
Non-commercial:
Residential mortgage	814,877		784,118		816,738
Revolving mortgage	2,244,459		2,296,306		2,302,482
Construction and land development	132,352		137,271		139,185
Consumer	418,973		497,370		527,426
Total non-commercial loans	3,610,661		3,715,065		3,785,831
Total noncovered loans and leases	11,455,233		11,581,637		11,603,526
Total loans and leases	$	13,352,330	$	13,943,789	$	14,160,976

	September 30, 2012						December 31, 2011						September 30, 2011
	Impaired at acquisition date		All other covered loans		Total		Impaired at acquisition date		All other covered loans		Total		Impaired at acquisition date		All other covered loans		Total
Covered loans:
Commercial:
Construction and land development	$	72,873	$	185,515	$	258,388	$	117,603	$	221,270	$	338,873	$	172,309	$	233,349	$	405,658
Commercial mortgage	103,219		1,005,829		1,109,048		138,465		1,122,124		1,260,589		125,379		1,184,704		1,310,083
Other commercial real estate	29,769		84,185		113,954		33,370		125,024		158,394		40,514		118,493		159,007
Commercial and industrial	8,767		51,020		59,787		27,802		85,640		113,442		30,611		106,642		137,253
Lease financing	—		—		—		—		57		57		—		162		162
Other	—		1,305		1,305		—		1,330		1,330		—		1,473		1,473
Total commercial loans	214,628		1,327,854		1,542,482		317,240		1,555,445		1,872,685		368,813		1,644,823		2,013,636
Non-commercial:
Residential mortgage	48,245		240,915		289,160		46,130		281,438		327,568		45,384		335,021		380,405
Revolving mortgage	8,787		28,493		37,280		15,350		36,202		51,552		9,939		29,770		39,709
Construction and land development	19,008		7,400		26,408		78,108		27,428		105,536		74,414		40,712		115,126
Consumer	56		1,711		1,767		1,477		3,334		4,811		1,155		7,419		8,574
Total non-commercial loans	76,096		278,519		354,615		141,065		348,402		489,467		130,892		412,922		543,814
Total covered loans	$	290,724	$	1,606,373	$	1,897,097	$	458,305	$	1,903,847	$	2,362,152	$	499,705	$	2,057,745	$	2,557,450

Composition Of The Loans And Leases Outstanding By Credit Quality Indicator

The composition of the loans and leases outstanding at September 30, 2012, and December 31, 2011, and September 30, 2011, by credit quality indicator is provided below:

	Commercial noncovered loans and leases
Grade:	Construction  and land development		Commercial mortgage		Other commercial real estate		Commercial  and industrial		Lease financing		Other		Total commercial noncovered loans and leases
September 30, 2012
Pass	$	283,804	$	4,846,921	$	148,075	$	1,567,505	$	317,545	$	130,768	$	7,294,618
Special mention	8,953		169,041		3,989		19,694		1,851		251		203,779
Substandard	25,722		141,461		6,317		23,049		1,827		730		199,106
Doubtful	940		12,078		98		2,553		583		—		16,252
Ungraded	324		2,463		288		127,634		102		6		130,817
Total	$	319,743	$	5,171,964	$	158,767	$	1,740,435	$	321,908	$	131,755	$	7,844,572
December 31, 2011
Pass	$	332,742	$	4,749,254	$	130,586	$	1,556,651	$	306,225	$	157,089	$	7,232,547
Special mention	18,973		220,235		5,821		36,951		4,537		1,271		287,788
Substandard	28,793		129,391		7,794		28,240		2,107		—		196,325
Doubtful	17		1,164		377		643		—		—		2,201
Ungraded	638		4,949		193		141,922		—		9		147,711
Total	$	381,163	$	5,104,993	$	144,771	$	1,764,407	$	312,869	$	158,369	$	7,866,572
September 30, 2011
Pass	$	371,906	$	4,632,698	$	130,591	$	1,585,106	$	296,420	$	157,742	$	7,174,463
Special mention	18,431		232,537		8,672		38,844		4,765		1,020		304,269
Substandard	26,249		123,968		4,629		27,700		2,854		—		185,400
Doubtful	133		4,307		401		270		—		—		5,111
Ungraded	—		2,526		245		145,661		—		20		148,452
Total	$	416,719	$	4,996,036	$	144,538	$	1,797,581	$	304,039	$	158,782	$	7,817,695

	Non-commercial noncovered loans and leases
	Residential mortgage		Revolving mortgage		Construction and land development		Consumer		Total non-commercial noncovered loans
September 30, 2012
Current	$	780,440	$	2,223,765	$	128,557	$	414,392	$	3,547,154
30-59 days past due	16,281		12,894		2,588		2,508		34,271
60-89 days past due	6,635		4,033		127		959		11,754
90 days or greater past due	11,521		3,767		1,080		1,114		17,482
Total	$	814,877	$	2,244,459	$	132,352	$	418,973	$	3,610,661
December 31, 2011
Current	$	757,113	$	2,286,511	$	135,774	491,142		$	3,670,540
30-59 days past due	11,790		3,437		798		3,514		19,539
60-89 days past due	2,686		2,042		127		1,271		6,126
90 days or greater past due	12,529		4,316		572		1,443		18,860
Total	$	784,118	$	2,296,306	$	137,271	$	497,370	$	3,715,065
September 30, 2011
Current	$	795,578	$	2,291,490	$	134,467	$	522,155	$	3,743,690
30-59 days past due	2,303		3,987		4,204		2,369		12,863
60-89 days past due	3,022		924		—		1,361		5,307
90 days or greater past due	15,835		6,081		514		1,541		23,971
Total	$	816,738	$	2,302,482	$	139,185	$	527,426	$	3,785,831

	Covered loans
Grade:	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
September 30, 2012
Pass	$	25,234	$	394,945	$	37,879	$	26,896	$	—	$	172,162	$	28,125	$	1,458	$	1,901	$	688,600
Special mention	76,849		306,106		17,040		13,976		—		15,169		1,993		1,160		135		432,428
Substandard	64,741		341,185		48,635		11,100		—		69,510		7,162		17,675		23		560,031
Doubtful	88,612		65,920		10,400		7,728		—		10,137		—		6,115		253		189,165
Ungraded	2,952		892		—		87		—		22,182		—		—		760		26,873
Total	$	258,388	$	1,109,048	$	113,954	$	59,787	$	—	$	289,160	$	37,280	$	26,408	$	3,072	$	1,897,097
December 31, 2011
Pass	$	29,321	$	397,526	$	49,259	$	36,409	$	57	$	189,794	$	34,164	$	4,958	$	2,393	$	743,881
Special mention	92,758		348,482		33,754		32,257		—		25,464		3,566		13,394		942		550,617
Substandard	125,158		427,996		58,351		21,914		—		70,582		9,863		72,349		1,096		787,309
Doubtful	87,936		84,871		17,030		22,862		—		13,833		3,959		14,835		982		246,308
Ungraded	3,700		1,714		—		—		—		27,895		—		—		728		34,037
Total	$	338,873	$	1,260,589	$	158,394	$	113,442	$	57	$	327,568	$	51,552	$	105,536	$	6,141	$	2,362,152
September 30, 2011
Pass	$	43,851	$	486,673	$	48,460	$	46,898	$	162	$	226,160	$	15,547	$	7,791	$	4,147	$	879,689
Special mention	97,960		342,876		24,951		34,894		—		25,686		316		23,955		577		551,215
Substandard	134,126		395,806		55,083		31,213		—		68,289		6,930		60,957		797		753,201
Doubtful	125,766		81,984		30,513		24,248		—		11,129		1,690		22,422		1,122		298,874
Ungraded	3,955		2,744		—		—		—		49,141		15,226		1		3,404		74,471
Total	$	405,658	$	1,310,083	$	159,007	$	137,253	$	162	$	380,405	$	39,709	$	115,126	$	10,047	$	2,557,450

Aging Of The Outstanding Loans And Leases By Class Excluding Loans Impaired At Acquisition Date

The aging of the outstanding loans and leases, by class, at September 30, 2012, December 31, 2011, and September 30, 2011, (excluding loans and leases acquired with deteriorated credit quality) is provided in the table below. The calculation of days past due begins on the day after payment is due and includes all days through which all required interest or principal has not been paid. Loans and leases 30 days or less past due are considered current due to various grace periods that allow borrowers to make payments within a stated period after the due date and still remain in compliance with the loan agreement.

	30-59 days past due		60-89 days past due		90 days or greater		Total past due		Current		Total loans and leases
September 30, 2012
Noncovered loans and leases:
Construction and land development - commercial	$	340	$	235	$	7,685	$	8,260	$	311,483	$	319,743
Commercial mortgage	19,329		10,223		15,021		44,573		5,127,391		5,171,964
Other commercial real estate	783		—		1,049		1,832		156,935		158,767
Commercial and industrial	6,734		965		1,826		9,525		1,730,910		1,740,435
Lease financing	947		153		514		1,614		320,294		321,908
Other	—		—		—		—		131,755		131,755
Residential mortgage	16,281		6,635		11,521		34,437		780,440		814,877
Revolving mortgage	12,894		4,033		3,767		20,694		2,223,765		2,244,459
Construction and land development - non-commercial	2,588		127		1,080		3,795		128,557		132,352
Consumer	2,508		959		1,114		4,581		414,392		418,973
Total noncovered loans and leases	$	62,404	$	23,330	$	43,577	$	129,311	$	11,325,922	$	11,455,233
December 31, 2011
Noncovered loans and leases:
Construction and land development - commercial	$	2,623	$	1,494	$	2,177	$	6,294	$	374,869	$	381,163
Commercial mortgage	18,308		4,438		15,626		38,372		5,066,621		5,104,993
Other commercial real estate	657		147		561		1,365		143,406		144,771
Commercial and industrial	5,235		1,230		1,438		7,903		1,756,504		1,764,407
Lease financing	637		212		620		1,469		311,400		312,869
Other	—		—		—		—		158,369		158,369
Residential mortgage	11,790		2,686		12,529		27,005		757,113		784,118
Revolving mortgage	3,437		2,042		4,316		9,795		2,286,511		2,296,306
Construction and land development - non-commercial	798		127		572		1,497		135,774		137,271
Consumer	3,514		1,271		1,443		6,228		491,142		497,370
Total noncovered loans and leases	$	46,999	$	13,647	$	39,282	$	99,928	$	11,481,709	$	11,581,637
September 30, 2011
Noncovered loans and leases:
Construction and land development - commercial	$	1,506	$	131	$	2,089	$	3,726	$	412,993	$	416,719
Commercial mortgage	13,381		3,765		16,838		33,984		4,962,052		4,996,036
Other commercial real estate	93		—		965		1,058		143,480		144,538
Commercial and industrial	1,417		1,092		1,548		4,057		1,793,524		1,797,581
Lease financing	879		180		96		1,155		302,884		304,039
Other	18		—		—		18		158,764		158,782
Residential mortgage	2,303		3,022		15,835		21,160		795,578		816,738
Revolving mortgage	3,987		924		6,081		10,992		2,291,490		2,302,482
Construction and land development - non-commercial	4,204		—		514		4,718		134,467		139,185
Consumer	2,369		1,361		1,541		5,271		522,155		527,426
Total noncovered loans and leases	$	30,157	$	10,475	$	45,507	$	86,139	$	11,517,387	$	11,603,526

Recorded Investment, By Class, In Loans And Leases On Nonaccrual Status And Loans And Leases Greater Than 90 Days Past Due And Still Accruing

The recorded investment, by class, in loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at September 30, 2012, December 31, 2011, and September 30, 2011, (excluding loans and leases acquired with deteriorated credit quality) are as follows:

	September 30, 2012				December 31, 2011				September 30, 2011
	Nonaccrual loans and leases		Loans and leases > 90 days and accruing		Nonaccrual loans and leases		Loans and leases > 90 days and accruing		Nonaccrual loans and leases		Loans and leases > 90 days and accruing
Noncovered loans and leases:
Construction and land development - commercial	$	7,930	$	268	$	15,102	$	313	$	18,569	$	418
Commercial mortgage	44,784		3,601		23,748		3,107		25,993		2,390
Commercial and industrial	9,480		361		1,864		320		1,792		380
Lease financing	627		—		200		554		83		17
Other commercial real estate	298		951		1,170		—		1,217		—
Construction and land development - non-commercial	741		338		—		572		—		514
Residential mortgage	11,350		3,701		10,657		4,227		11,949		6,604
Revolving mortgage	—		3,760		—		4,306		—		6,066
Consumer	45		1,091		—		1,441		—		1,498
Total noncovered loans and leases	$	75,255	$	14,071	$	52,741	$	14,840	$	59,603	$	17,887

Changes In Carrying Value Of Acquired Impaired Loans

The following table provides changes in the carrying value of acquired loans impaired at acquisition date and all other acquired loans during the nine months ended September 30, 2012 and 2011:

	2012						2011
	Impaired at acquisition date			All other acquired loans			Impaired as acquisition date			All other acquired loans
Balance, January 1	$	458,305		$	1,903,847		$	330,705		$	1,676,747
Fair value of acquired loans covered by loss share agreements	—			—			303,713			777,800
Reductions for repayments, foreclosures and changes in carrying value, net of accretion	(167,581		)	(297,474		)	(134,713		)	(396,802		)
Balance, September 30	$	290,724		$	1,606,373		$	499,705		$	2,057,745
Outstanding principal balance at September 30	$	1,077,975		$	2,253,660		$	1,943,770		$	2,705,324

Changes In The Amount Of Accretable Yield

The following table documents changes to the amount of accretable yield for the first nine months of 2012 and 2011. For acquired loans, improved cash flow estimates and receipt of unscheduled loan payments result in the reclassification of nonaccretable difference to accretable yield. During 2012, the improved ability to estimate cash flows due to expanded use of an acquired loan accounting system also contributed to significant increases in accretable yield. Accretable yield resulting from the improved ability to estimate future cash flows generally does not represent amounts previously identified as nonaccretable difference.

	2012			2011
Balance, January 1	$	276,690		$	164,586
Additions	—			79,526
Accretion	(193,438		)	(192,556		)
Reclassifications from nonaccretable difference	292,773			128,535
Changes in expected cash flows that do not affect nonaccretable difference	206,101			—
Disposals	—			—
Balance, September 30	$	582,126		$	180,091