Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Summary Of Activity In The Allowance For Loan and Lease Losses

Activity in the allowance for loan and lease losses, ending balances of loans and leases and related allowance by class of loans is summarized as follows:

	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
Allowance for loan and lease losses:
Three months ended March 31, 2013
Balance at January 1	$	6,031		$	70,927		$	2,059		$	23,352		$	3,521		$	1,175		$	3,836		$	25,185		$	1,721		$	25,389		$	15,850		$	179,046
Charge-offs	(254		)	(654		)	(54		)	(1,258		)	—			—			(818		)	(2,188		)	(245		)	(2,596		)	—			(8,067		)
Recoveries	368			8			10			369			—			—			39			71			56			630			—			1,551
Provision	(1,834		)	2,536			(100		)	500			22			315			733			1,431			(113		)	604			(78		)	4,016
Balance at March 31	$	4,311		$	72,817		$	1,915		$	22,963		$	3,543		$	1,490		$	3,790		$	24,499		$	1,419		$	24,027		$	15,772		$	176,546
Three months ended March 31, 2012
Balance at January 1	$	5,467		$	67,486		$	2,169		$	23,723		$	3,288		$	1,315		$	8,879		$	27,045		$	1,427		$	25,962		$	14,122		$	180,883
Charge-offs	(5,729		)	(2,464		)	(142		)	(1,447		)	(191		)	—			(1,035		)	(2,940		)	(676		)	(3,008		)	—			(17,632		)
Recoveries	42			996			—			250			31			4			42			216			7			432			—			2,020
Provision	6,828			6,137			221			1,720			192			(38		)	1,221			2,590			639			902			700			21,112
Balance at March 31	$	6,608		$	72,155		$	2,248		$	24,246		$	3,320		$	1,281		$	9,107		$	26,911		$	1,397		$	24,288		$	14,822		$	186,383

	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
Allowance for loan and lease losses:
March 31, 2013
ALLL for loans and leases individually evaluated for impairment	$	588	$	10,405	$	141	$	3,159	$	223	$	—	$	694	$	44	$	82	$	179	$	—	$	15,515
ALLL for loans and leases collectively evaluated for impairment	3,723		62,412		1,774		19,804		3,320		1,490		3,096		24,455		1,337		23,848		—		145,259
Nonspecific ALLL	—		—		—		—		—		—		—		—		—		—		15,772		15,772
Total allowance for loan and lease losses	$	4,311	$	72,817	$	1,915	$	22,963	$	3,543	$	1,490	$	3,790	$	24,499	$	1,419	$	24,027	$	15,772	$	176,546
December 31, 2012
ALLL for loans and leases individually evaluated for impairment	$	2,469	$	11,697	$	298	$	2,133	$	202	$	53	$	959	$	1	$	287	$	256	$	—	$	18,355
ALLL for loans and leases collectively evaluated for impairment	3,562		59,230		1,761		21,219		3,319		1,122		2,877		25,184		1,434		25,133		—		144,841
Nonspecific ALLL	—		—		—		—		—		—		—		—		—		—		15,850		15,850
Total allowance for loan and lease losses	$	6,031	$	70,927	$	2,059	$	23,352	$	3,521	$	1,175	$	3,836	$	25,185	$	1,721	$	25,389	$	15,850	$	179,046
March 31, 2012
ALLL for loans and leases individually evaluated for impairment	$	2,605	$	6,662	$	256	$	838	$	19	$	—	$	782	$	—	$	145	$	42	$	—	$	11,349
ALLL for loans and leases collectively evaluated for impairment	4,003		65,493		1,992		23,408		3,301		1,281		8,325		26,911		1,252		24,246		—		160,212
Nonspecific ALLL	—		—		—		—		—		—		—		—		—		—		14,822		14,822
Total allowance for loan and lease losses	$	6,608	$	72,155	$	2,248	$	24,246	$	3,320	$	1,281	$	9,107	$	26,911	$	1,397	$	24,288	$	14,822	$	186,383

Loans and leases:
March 31, 2013
Loans and leases individually evaluated for impairment	$	10,353	$	134,707	$	3,413	$	22,601	$	401	$	—	$	19,720	$	5,471	$	866	$	1,683	$	—	$	199,215
Loans and leases collectively evaluated for impairment	290,144		5,217,887		173,043		1,639,523		335,928		194,186		815,159		2,145,329		114,762		383,904		—		11,309,865
Total loan and leases	$	300,497	$	5,352,594	$	176,456	$	1,662,124	$	336,329	$	194,186	$	834,879	$	2,150,800	$	115,628	$	385,587	$	—	$	11,509,080
December 31, 2012
Loans and leases individually evaluated for impairment	$	17,075	$	133,804	$	3,375	$	22,619	$	804	$	707	$	15,836	$	4,203	$	1,321	$	2,509	$	—	$	202,253
Loans and leases collectively evaluated for impairment	292,115		5,208,035		157,605		1,703,507		329,875		124,974		807,053		2,205,930		130,671		414,097		—		11,373,862
Total loan and leases	$	309,190	$	5,341,839	$	160,980	$	1,726,126	$	330,679	$	125,681	$	822,889	$	2,210,133	$	131,992	$	416,606	$	—	$	11,576,115
March 31, 2012
Loans and leases individually evaluated for impairment	$	21,621	$	95,265	$	2,721	$	17,261	$	375	$	—	$	12,772	$	—	$	3,345	$	915	$	—	$	154,275
Loans and leases collectively evaluated for impairment	324,936		5,032,683		147,595		1,722,463		315,329		149,792		780,840		2,282,138		129,332		450,146		—		11,335,254
Total loan and leases	$	346,557	$	5,127,948	$	150,316	$	1,739,724	$	315,704	$	149,792	$	793,612	$	2,282,138	$	132,677	$	451,061	$	—	$	11,489,529

	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
Allowance for loan and lease losses:
Three months ended March 31, 2013
Balance at January 1	$	31,186		$	50,275		$	11,234		$	8,897		$	—		$	19,837		$	9,754		$	8,287		$	502		$	139,972
Charge-offs	(4,733		)	(9,898		)	(931		)	(1,254		)	—			(729		)	(114		)	(3,218		)	—			(20,877		)
Recoveries	—			—			—			—			—			—			—			—			—			—
Provision	(13,147		)	(2,084		)	(5,131		)	4,233			—			(1,505		)	(2,505		)	(2,313		)	(170		)	(22,622		)
Balance at March 31	$	13,306		$	38,293		$	5,172		$	11,876		$	—		$	17,603		$	7,135		$	2,756		$	332		$	96,473
Three months ended March 31, 2012
Balance at January 1	$	16,693		$	39,557		$	16,862		$	5,500		$	13		$	5,433		$	77		$	4,652		$	474		$	89,261
Charge-offs	(1,387		)	(6,211		)	—			(3,189		)	—			(1,955		)	—			—			(5		)	(12,747		)
Recoveries	—			—			—			—			—			—			—			—			—			—
Provision	(2,570		)	6,398			(5,712		)	11,417			(10		)	1,254			950			(1,932		)	(192		)	9,603
Balance at March 31	$	12,736		$	39,744		$	11,150		$	13,728		$	3		$	4,732		$	1,027		$	2,720		$	277		$	86,117
Allowance for loan and lease losses:
March 31, 2013
ALLL for loans and leases acquired with deteriorated credit quality	$	13,306		$	38,293		$	5,172		$	11,876		$	—		$	17,603		$	7,135		$	2,756		$	332		$	96,473
December 31, 2012
ALLL for loans and leases acquired with deteriorated credit quality	31,186			50,275			11,234			8,897			—			19,837			9,754			8,287			502			139,972
March 31, 2012
ALLL for loans and leases acquired with deteriorated credit quality	12,736			39,744			11,150			13,728			3			4,732			1,027			2,720			277			86,117
Loans and leases:
March 31, 2013
Loans and leases acquired with deteriorated credit quality	204,524			948,452			93,232			45,693			—			278,997			37,139			11,024			2,266			1,621,327
December 31, 2012
Loans and leases acquired with deteriorated credit quality	237,906			1,054,473			107,119			49,463			—			297,926			38,710			20,793			2,845			1,809,235
March 31, 2012
Loans and leases acquired with deteriorated credit quality	$	310,601		$	1,195,541		$	144,978		$	93,261		$	45		$	298,538		$	50,016		$	85,555		$	5,334		$	2,183,869

Allocation Of Noncovered Impaired Loans And Leases

The following tables provide information on noncovered impaired loans and leases, exclusive of loans and leases evaluated collectively as a homogeneous group, including interest income recognized in the period during which the loans and leases were considered impaired.

	With a recorded allowance		With no recorded allowance		Total		Unpaid principal balance		Related allowance recorded
March 31, 2013
Impaired noncovered loans and leases
Construction and land development - commercial	$	1,333	$	7,949	$	9,282	$	20,303	$	458
Commercial mortgage	32,248		70,739		102,987		105,270		7,896
Other commercial real estate	528		2,620		3,148		3,203		101
Commercial and industrial	7,055		11,465		18,520		19,098		2,972
Lease financing	349		—		349		349		215
Residential mortgage	9,465		7,820		17,285		17,921		566
Revolving mortgage	1,925		3,546		5,471		5,471		44
Construction and land development - noncommercial	866		—		866		865		81
Consumer	1,683		—		1,683		1,683		179
Total impaired noncovered loans and leases	$	55,452	$	104,139	$	159,591	$	174,163	$	12,512
December 31, 2012
Impaired noncovered loans and leases
Construction and land development - commercial	$	5,941	$	10,116	$	16,057	$	31,879	$	2,340
Commercial mortgage	39,648		72,160		111,808		114,351		10,628
Other commercial real estate	1,425		1,823		3,248		3,348		279
Commercial and industrial	7,429		11,371		18,800		19,196		1,949
Lease financing	665		81		746		746		194
Other	—		707		707		707		53
Residential mortgage	9,346		4,240		13,586		13,978		832
Revolving mortgage	1,238		2,965		4,203		4,203		1
Construction and land development - noncommercial	1,162		158		1,320		1,321		287
Consumer	1,609		900		2,509		2,509		256
Total impaired noncovered loans and leases	$	68,463	$	104,521	$	172,984	$	192,238	$	16,819
March 31, 2012
Impaired noncovered loans and leases
Construction and land development - commercial	$	19,768	$	—	$	19,768	$	33,430	$	2,487
Commercial mortgage	54,593		8,773		63,366		64,551		4,915
Other commercial real estate	1,521		—		1,521		1,521		196
Commercial and industrial	6,797		5,801		12,598		12,598		574
Lease financing	79		—		79		79		4
Residential mortgage	10,438		—		10,438		10,438		674
Construction and land development - noncommercial	3,345		—		3,345		3,345		145
Consumer	915		—		915		915		42
Total impaired noncovered loans and leases	$	97,456	$	14,574	$	112,030	$	126,877	$	9,037

At March 31, 2013, covered loans which have had an adverse change in expected cash flows since the date of acquisition equaled $739,900, for which $96,473 in related allowance for loan losses has been recorded.  At March 31, 2012, covered loans which have had an adverse change in expected cash flows since the date of acquisition equaled $1,892,721, for which $86,117 in related allowance for loan losses has been recorded. 

	YTD Average Balance		YTD Interest Income Recognized
Three months ended March 31, 2013
Noncovered impaired loans and leases:
Construction and land development - commercial	$	9,284	$	112
Commercial mortgage	103,848		1,425
Other commercial real estate	3,179		45
Commercial and industrial	18,997		266
Lease financing	355		6
Residential mortgage	17,330		228
Revolving mortgage	5,472		25
Construction and land development - noncommercial	866		11
Consumer	1,683		5
Total noncovered impaired loans and leases	$	161,014	$	2,123
Three months ended March 31, 2012
Noncovered impaired loans and leases:
Construction and land development - commercial	$	23,129	$	58
Commercial mortgage	64,206		530
Other commercial real estate	2,050		15
Commercial and industrial	12,466		66
Lease financing	201		1
Residential mortgage	10,107		90
Construction and land development - noncommercial	3,510		23
Consumer	954		4
Total noncovered impaired loans and leases	$	116,623	$	787

Troubled Debt Restructurings on Financing Receivables

The following tables provide the types of troubled debt restructurings (TDRs) made during the three months ended March 31, 2013, and 2012, as well as a summary of loans that were modified as a TDR during the 12 months ended March 31, 2013, and 2012 that subsequently defaulted during the three months ended March 31, 2013, and 2012.

.

	Three months ended March 31, 2013						Three months ended March 31, 2012
	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
Commercial mortgage	1	$	356	—	$	—	10	$	4,625	1	$	1,080
Commercial and industrial	—	—		—	—		1	531		—	—
Consumer	—	—		—	—		1	900		—	—
Total interest only	1	356		—	—		12	6,056		1	1,080
Loan term extension
Construction and land development - commercial	—	—		—	—		1	7,169		—	—
Commercial mortgage	6	2,117		1	483		13	3,692		4	1,452
Commercial and industrial	1	186		—	—		3	282		1	59
Lease financing	—	—		—	—		2	73		—	—
Residential mortgage	4	683		—	—		5	805		1	167
Construction and land development - noncommercial	—	—		—	—		1	2,001		1	395
Total loan term extension	11	2,986		1	483		25	14,022		7	2,073
Below market interest rate
Construction and land development - commercial	—	—		—	—		1	231		2	763
Commercial mortgage	3	2,556		1	1,024		2	1,956		1	122
Commercial and industrial	1	17		1	116		—	764		—	—
Residential mortgage	5	675		—	—		1	878		—	—
Consumer	5	1,490		—	—		3	—		—	—
Total below market interest rate	14	4,738		2	1,140		7	3,829		3	885
Discharged from bankruptcy
Residential mortgage	2	299		—	—		—	—		—	—
Revolving mortgage	24	1,878		5	233		—	—		—	—
Total discharged from bankruptcy	26	2,177		5	233		—	—		—	—
Other concession
Commercial mortgage	—	—		—	—		1	168		—	—
Commercial and industrial	—	—		—	—		1	23		—	—
Total other concession	—	—		—	—		2	191		—	—
Total noncovered restructurings	52	$	10,257	8	$	1,856	46	$	24,098	11	$	4,038

	Three months ended March 31, 2013						Three months ended March 31, 2012
	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	—	$	—	—	$	—	1	$	133	—	$	—
Commercial mortgage	2	1,991		1	291		—	—		—	—
Total interest only	2	1,991		2	388		1	133		—	—
Loan term extension
Construction and land development - commercial	—	—		—	—		2	161		—	—
Commercial mortgage	—	—		—	—		1	480		—	—
Residential mortgage	—	—		—	—		1	49		—	—
Total loan term extension	—	—		—	—		4	690		1	145
Below market interest rate
Construction and land development - commercial	1	309		—	—		10	1,794		—	—
Commercial mortgage	1	2,946		3	3,222		7	9,194		1	2,449
Commercial and industrial	2	458		—	—		3	260		—	—
Residential mortgage	2	726		2	726		7	1,557		2	915
Total below market interest rate	6	4,439		5	3,948		27	12,805		4	3,435
Total covered restructurings	8	$	6,430	7	$	4,336	32	$	13,628	5	$	3,580