Loans and Allowances for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2014

Loans Receivable, Net [Abstract]

Schedule of Loans by Portfolio Segment [Table Text Block]

Portfolio segments of the loan portfolio are as follows (in thousands):

	March 31, 2014								December 31, 2013
	Fixed Rate		Variable Rate		Non-accrual		Total		Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	1,649,164	$	6,383,495	$	19,047	$	8,051,706	$	1,637,620	$	6,288,841	$	16,760	$	7,943,221
Commercial real estate	764,688		1,827,414		39,305		2,631,407		770,908		1,603,595		40,850		2,415,353
Residential mortgage	1,749,693		223,602		45,380		2,018,675		1,783,615		226,092		42,319		2,052,026
Consumer	125,757		249,335		974		376,066		135,494		244,950		1,220		381,664
Total	$	4,289,302	$	8,683,846	$	104,706	$	13,077,854	$	4,327,637	$	8,363,478	$	101,149	$	12,792,264
Accruing loans past due (90 days)1							$	1,991							$	1,415

	March 31, 2013
	Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	1,382,309	$	6,016,135	$	19,861	$	7,418,305
Commercial real estate	712,275		1,507,710		65,175		2,285,160
Residential mortgage	1,732,058		234,966		45,426		2,012,450
Consumer	154,079		221,399		2,171		377,649
Total	$	3,980,721	$	7,980,210	$	132,633	$	12,093,564
Accruing loans past due (90 days)1							$	4,229

¹  Excludes residential mortgage loans guaranteed by agencies of the U.S. government

Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2014 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific Allowance			Total
Allowance for loan losses:
Beginning balance	$	79,180		$	41,573		$	29,465		$	6,965		$	28,213		$	185,396
Provision for loan losses	4,225			(1,591		)	(516		)	(460		)	(1,248		)	410
Loans charged off	(144		)	(220		)	(996		)	(1,488		)	—			(2,848		)
Recoveries	1,985			1,827			354			1,194			—			5,360
Ending balance	$	85,246		$	41,589		$	28,307		$	6,211		$	26,965		$	188,318
Allowance for off-balance sheet credit losses:
Beginning balance	$	119		$	1,876		$	90		$	3		$	—		$	2,088
Provision for off-balance sheet credit losses	457			(836		)	(28		)	(3		)	—			(410		)
Ending balance	$	576		$	1,040		$	62		$	—		$	—		$	1,678
Total provision for credit losses	$	4,682		$	(2,427	)	$	(544	)	$	(463	)	$	(1,248	)	$	—

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended March 31, 2013 is summarized as follows (in thousands):

	Commercial			Commercial Real Estate			Residential Mortgage			Consumer			Nonspecific Allowance			Total
Allowance for loan losses:
Beginning balance	$	65,280		$	54,884		$	41,703		$	9,453		$	44,187		$	215,507
Provision for loan losses	(1,956		)	(2,680		)	(274		)	(905		)	(1,375		)	(7,190		)
Loans charged off	(298		)	(4,800		)	(1,779		)	(2,032		)	—			(8,909		)
Recoveries	3,393			1,124			572			1,468			—			6,557
Ending balance	$	66,419		$	48,528		$	40,222		$	7,984		$	42,812		$	205,965
Allowance for off-balance sheet credit losses:
Beginning balance	$	475		$	1,353		$	78		$	9		$	—		$	1,915
Provision for off-balance sheet credit losses	(70		)	(735		)	(6		)	1			—			(810		)
Ending balance	$	405		$	618		$	72		$	10		$	—		$	1,105
Total provision for credit losses	$	(2,026	)	$	(3,415	)	$	(280	)	$	(904	)	$	(1,375	)	$	(8,000	)

Schedule of Allowance for Loan Losses and Recorded Investment by Impairment Methodology [Table Text Block]

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2014 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	8,032,659	$	81,813	$	19,047	$	3,433	$	8,051,706	$	85,246
Commercial real estate	2,592,102		41,404		39,305		185		2,631,407		41,589
Residential mortgage	1,973,295		27,766		45,380		541		2,018,675		28,307
Consumer	375,092		6,211		974		—		376,066		6,211
Total	12,973,148		157,194		104,706		4,159		13,077,854		161,353
Nonspecific allowance	—		—		—		—		—		26,965
Total	$	12,973,148	$	157,194	$	104,706	$	4,159	$	13,077,854	$	188,318

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2013 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,926,461	$	78,607	$	16,760	$	573	$	7,943,221	$	79,180
Commercial real estate	2,374,503		41,440		40,850		133		2,415,353		41,573
Residential mortgage	2,010,483		29,217		41,543		248		2,052,026		29,465
Consumer	380,445		6,965		1,219		—		381,664		6,965
Total	12,691,892		156,229		100,372		954		12,792,264		157,183
Nonspecific allowance	—		—		—		—		—		28,213
Total	$	12,691,892	$	156,229	$	100,372	$	954	$	12,792,264	$	185,396

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at March 31, 2013 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,398,444	$	66,071	$	19,861	$	348	$	7,418,305	$	66,419
Commercial real estate	2,219,985		48,270		65,175		258		2,285,160		48,528
Residential mortgage	1,967,238		39,923		45,212		299		2,012,450		40,222
Consumer	375,477		7,862		2,172		122		377,649		7,984
Total	11,961,144		162,126		132,420		1,027		12,093,564		163,153
Nonspecific allowance	—		—		—		—		—		42,812
Total	$	11,961,144	$	162,126	$	132,420	$	1,027	$	12,093,564	$	205,965

Schedule of Allowance for Loan Losses and Recorded Investment by Portfolio Segment for Risk Graded and Non-Risk Graded Loans [Table Text Block]

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2014 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	8,029,443	$	84,333	$	22,263	$	913	$	8,051,706	$	85,246
Commercial real estate	2,631,407		41,589		—		—		2,631,407		41,589
Residential mortgage	209,608		4,695		1,809,067		23,612		2,018,675		28,307
Consumer	269,985		2,765		106,081		3,446		376,066		6,211
Total	11,140,443		133,382		1,937,411		27,971		13,077,854		161,353
Nonspecific allowance	—		—		—		—		—		26,965
Total	$	11,140,443	$	133,382	$	1,937,411	$	27,971	$	13,077,854	$	188,318

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2013 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,888,219	$	78,250	$	55,002	$	930	$	7,943,221	$	79,180
Commercial real estate	2,415,353		41,573		—		—		2,415,353		41,573
Residential mortgage	220,635		5,481		1,831,391		23,984		2,052,026		29,465
Consumer	265,533		2,657		116,131		4,308		381,664		6,965
Total	10,789,740		127,961		2,002,524		29,222		12,792,264		157,183
Nonspecific allowance	—		—		—		—		—		28,213
Total	$	10,789,740	$	127,961	$	2,002,524	$	29,222	$	12,792,264	$	185,396

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at March 31, 2013 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,400,848	$	65,320	$	17,457	$	1,099	$	7,418,305	$	66,419
Commercial real estate	2,285,160		48,528		—		—		2,285,160		48,528
Residential mortgage	247,814		4,600		1,764,636		35,622		2,012,450		40,222
Consumer	237,152		3,163		140,497		4,821		377,649		7,984
Total	10,170,974		121,611		1,922,590		41,542		12,093,564		163,153
Nonspecific allowance	—		—		—		—		—		42,812
Total	$	10,170,974	$	121,611	$	1,922,590	$	41,542	$	12,093,564	$	205,965

Schedule of Credit Quality Indicators [Table Text Block]

The following table summarizes the Company’s loan portfolio at March 31, 2014 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,339,578	$	2,735	$	1,759	$	—	$	—	$	2,344,072
Services	2,213,569		14,321		4,581		—		—		2,232,471
Wholesale/retail	1,216,725		2,411		6,854		—		—		1,225,990
Manufacturing	429,523		11,127		3,565		—		—		444,215
Healthcare	1,392,315		2,804		1,443		—		—		1,396,562
Integrated food services	122,314		4,200		—		—		—		126,514
Other commercial and industrial	258,888		—		731		22,149		114		281,882
Total commercial	7,972,912		37,598		18,933		22,149		114		8,051,706
Commercial real estate:
Residential construction and land development	153,836		14,437		16,547		—		—		184,820
Retail	634,253		1,627		4,626		—		—		640,506
Office	428,815		1,148		6,301		—		—		436,264
Multifamily	648,999		13,675		—		—		—		662,674
Industrial	304,321		—		886		—		—		305,207
Other commercial real estate	388,122		2,869		10,945		—		—		401,936
Total commercial real estate	2,558,346		33,756		39,305		—		—		2,631,407
Residential mortgage:
Permanent mortgage	200,662		2,704		6,242		793,864		30,100		1,033,572
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		183,250		1,572		184,822
Home equity	—		—		—		792,815		7,466		800,281
Total residential mortgage	200,662		2,704		6,242		1,769,929		39,138		2,018,675
Consumer	269,764		27		194		105,301		780		376,066
Total	$	11,001,684	$	74,085	$	64,674	$	1,897,379	$	40,032	$	13,077,854

The following table summarizes the Company’s loan portfolio at December 31, 2013 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,347,519	$	2,381	$	1,860	$	—	$	—	$	2,351,760
Services	2,265,984		11,304		4,922		—		—		2,282,210
Wholesale/retail	1,191,791		2,604		6,969		—		—		1,201,364
Manufacturing	381,794		9,365		592		—		—		391,751
Healthcare	1,272,626		34		1,586		—		—		1,274,246
Integrated food services	145,758		4,736		—		—		—		150,494
Other commercial and industrial	235,636		—		758		54,929		73		291,396
Total commercial	7,841,108		30,424		16,687		54,929		73		7,943,221
Commercial real estate:
Residential construction and land development	173,488		15,393		17,377		—		—		206,258
Retail	579,506		1,684		4,857		—		—		586,047
Office	403,951		1,157		6,391		—		—		411,499
Multifamily	562,800		13,695		7		—		—		576,502
Industrial	243,625		—		252		—		—		243,877
Other commercial real estate	371,628		7,576		11,966		—		—		391,170
Total commercial real estate	2,334,998		39,505		40,850		—		—		2,415,353
Residential mortgage:
Permanent mortgage	210,142		3,283		7,210		815,040		27,069		1,062,744
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		180,821		777		181,598
Home equity	—		—		—		800,420		7,264		807,684
Total residential mortgage	210,142		3,283		7,210		1,796,281		35,110		2,052,026
Consumer	264,536		795		202		115,114		1,017		381,664
Total	$	10,650,784	$	74,007	$	64,949	$	1,966,324	$	36,200	$	12,792,264

The following table summarizes the Company’s loan portfolio at March 31, 2013 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,342,500	$	4,555	$	2,377	$	—	$	—	$	2,349,432
Services	2,074,198		31,127		9,474		—		—		2,114,799
Wholesale/retail	1,071,954		10,807		2,239		—		—		1,085,000
Manufacturing	387,346		10,624		1,848		—		—		399,818
Healthcare	1,078,550		124		2,962		—		—		1,081,636
Integrated food services	173,800		—		—		—		—		173,800
Other commercial and industrial	190,758		4,716		889		17,385		72		213,820
Total commercial	7,319,106		61,953		19,789		17,385		72		7,418,305
Commercial real estate:
Residential construction and land development	194,944		19,423		23,462		—		—		237,829
Retail	572,761		2,597		8,921		—		—		584,279
Office	401,070		6,723		12,851		—		—		420,644
Multifamily	453,822		2,151		4,501		—		—		460,474
Industrial	234,590		261		2,198		—		—		237,049
Other commercial real estate	321,304		10,339		13,242		—		—		344,885
Total commercial real estate	2,178,491		41,494		65,175		—		—		2,285,160
Residential mortgage:
Permanent mortgage	230,595		6,555		10,664		816,272		27,489		1,091,575
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		162,205		214		162,419
Home equity	—		—		—		751,397		7,059		758,456
Total residential mortgage	230,595		6,555		10,664		1,729,874		34,762		2,012,450
Consumer	235,495		1,249		408		138,734		1,763		377,649
Total	$	9,963,687	$	111,251	$	96,036	$	1,885,993	$	36,597	$	12,093,564

Summary of Impaired Loans [Table Text Block]

Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):

	As of										For the
	March 31, 2014										Three Months Ended
			Recorded Investment								March 31, 2014
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	1,787	$	1,759	$	1,759	$	—	$	—	$	1,809	$	—
Services	7,475		4,581		3,544		1,037		424		4,752		—
Wholesale/retail	11,765		6,853		6,821		32		9		6,911		—
Manufacturing	3,806		3,565		565		3,000		3,000		2,078		—
Healthcare	2,466		1,443		1,443		—		—		1,514		—
Integrated food services	—		—		—		—		—		—		—
Other commercial and industrial	8,510		845		845		—		—		838		—
Total commercial	35,809		19,046		14,977		4,069		3,433		17,902		—
Commercial real estate:
Residential construction and land development	20,866		16,547		15,893		654		162		16,962		—
Retail	6,462		4,626		4,626		—		—		4,742		—
Office	8,688		6,301		6,296		5		5		6,346		—
Multifamily	—		—		—		—		—		3		—
Industrial	1,043		886		886		—		—		569		—
Other real estate loans	17,692		10,945		10,761		184		18		11,455		—
Total commercial real estate	54,751		39,305		38,462		843		185		40,077		—
Residential mortgage:
Permanent mortgage	45,215		36,342		35,747		595		541		35,310		345
Permanent mortgage guaranteed by U.S. government agencies1	191,067		184,822		184,822		—		—		186,987		2,136
Home equity	7,475		7,466		7,466		—		—		7,365		—
Total residential mortgage	243,757		228,630		228,035		595		541		229,662		2,481
Consumer	989		974		974		—		—		1,097		—
Total	$	335,306	$	287,955	$	282,448	$	5,507	$	4,159	$	288,738	$	2,481

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2014, $1.6 million of these loans were nonaccruing and $183 million were accruing based on the guarantee by U.S. government agencies.

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, are recovered.

A summary of impaired loans at December 31, 2013 follows (in thousands): 

			Recorded Investment
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Energy	$	1,860	$	1,860	$	1,860	$	—	$	—
Services	6,486		4,922		3,791		1,131		516
Wholesale/retail	11,009		6,969		6,937		32		9
Manufacturing	746		592		592		—		—
Healthcare	2,193		1,586		1,538		48		48
Integrated food services	—		—		—		—		—
Other commercial and industrial	8,532		831		831		—		—
Total commercial	30,826		16,760		15,549		1,211		573
Commercial real estate:
Residential construction and land development	20,804		17,377		17,050		327		107
Retail	6,133		4,857		4,857		—		—
Office	7,848		6,391		6,383		8		8
Multifamily	7		7		7		—		—
Industrial	252		252		252		—		—
Other real estate loans	14,593		11,966		11,779		187		18
Total commercial real estate	49,637		40,850		40,328		522		133
Residential mortgage:
Permanent mortgage	41,870		34,279		33,869		410		248
Permanent mortgage guaranteed by U.S. government agencies1	188,436		181,598		181,598		—		—
Home equity	7,537		7,264		7,264		—		—
Total residential mortgage	237,843		223,141		222,731		410		248
Total consumer	1,228		1,219		1,219		—		—
Total	$	319,534	$	281,970	$	279,827	$	2,143	$	954

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2013, $777 thousand of these loans were nonaccruing and $181 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at March 31, 2013 follows (in thousands): 

	As of										For the
	As of March 31, 2013										Three Months Ended
			Recorded Investment								March 31, 2013
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	2,377	$	2,377	$	2,377	$	—	$	—	$	2,419	$	—
Services	12,592		9,474		8,502		972		292		10,782		—
Wholesale/retail	2,545		2,239		2,187		52		13		2,658		—
Manufacturing	2,140		1,848		1,848		—		—		1,928		—
Healthcare	3,649		2,962		2,919		43		43		3,064		—
Integrated food services	—		—		—		—		—		342		—
Other commercial and industrial	8,461		961		961		—		—		972		—
Total commercial	31,764		19,861		18,794		1,067		348		22,165		—
Commercial real estate:
Residential construction and land development	28,913		23,462		22,967		495		155		24,797		—
Retail	11,375		8,921		8,921		—		—		8,519		—
Office	16,169		12,851		12,617		234		30		9,840		—
Multifamily	4,501		4,501		4,501		—		—		3,604		—
Industrial	3,875		2,198		2,198		—		—		3,083		—
Other real estate loans	15,546		13,242		12,642		600		73		13,059		—
Total commercial real estate	80,379		65,175		63,846		1,329		258		62,902		—
Residential mortgage:
Permanent mortgage	48,613		38,153		37,605		548		299		39,008		318
Permanent mortgage guaranteed by U.S. government agencies1	171,887		162,419		162,419		—		—		161,432		1,276
Home equity	7,059		7,059		7,059		—		—		6,658		—
Total residential mortgage	227,559		207,631		207,083		548		299		207,098		1,594
Total consumer	2,237		2,171		2,049		122		122		2,441		—
Total	$	341,939	$	294,838	$	291,772	$	3,066	$	1,027	$	294,606	$	1,594

¹  All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At March 31, 2013, $214 thousand of these loans were nonaccruing and $162 million were accruing based on the guarantee by U.S. government agencies.

Troubled Debt Restructurings [Table Text Block]

Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of March 31, 2014 is as follows (in thousands):

	As of March 31, 2014
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amounts Charged Off During the Three Months Ended March 31, 2014
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—
Services	1,811		761		1,050		148		—
Wholesale/retail	207		73		134		9		—
Manufacturing	3,384		384		3,000		3,000		—
Healthcare	—		—		—		—		—
Integrated food services	—		—		—		—		—
Other commercial and industrial	750		194		556		—		—
Total commercial	6,152		1,412		4,740		3,157		—
Commercial real estate:
Residential construction and land development	10,083		1,839		8,244		162		—
Retail	4,140		2,584		1,556		—		—
Office	5,029		3,848		1,181		—		—
Multifamily	—		—		—		—		—
Industrial	—		—		—		—		—
Other real estate loans	4,818		3,277		1,541		—		67
Total commercial real estate	24,070		11,548		12,522		162		67
Residential mortgage:
Permanent mortgage	18,755		13,117		5,638		85		208
Permanent mortgage guaranteed by U.S. government agencies	474		181		293		—		—
Home equity	4,037		3,451		586		—		14
Total residential mortgage	23,266		16,749		6,517		85		222
Consumer	759		583		176		—		—
Total nonaccruing TDRs	$	54,247	$	30,292	$	23,955	$	3,404	$	289

	As of March 31, 2014
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amounts Charged Off During the Three Months Ended March 31, 2014
Accruing TDRs:
Residential mortgage:
Permanent mortgage	—		—		—		—		—
Permanent mortgages guaranteed by U.S. government agencies	55,507		15,649		39,858		—		—
Total residential mortgage	55,507		15,649		39,858		—		—
Total accruing TDRs	55,507		15,649		39,858		—		—
Total TDRs	$	109,754	$	45,941	$	63,813	$	3,404	$	289

A summary of troubled debt restructurings by accruing status as of December 31, 2013 is as follows (in thousands):

	As of
	December 31, 2013
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—
Services	2,235		852		1,383		237
Wholesale/retail	235		89		146		9
Manufacturing	391		—		391		—
Healthcare	—		—		—		—
Integrated food services	—		—		—		—
Other commercial and industrial	771		173		598		—
Total commercial	3,632		1,114		2,518		246
Commercial real estate:
Residential construction and land development	10,148		1,444		8,704		107
Retail	4,359		3,141		1,218		—
Office	5,059		3,872		1,187		—
Multifamily	—		—		—		—
Industrial	—		—		—		—
Other real estate loans	5,011		2,885		2,126		—
Total commercial real estate	24,577		11,342		13,235		107
Residential mortgage:
Permanent mortgage	18,697		12,214		6,483		88
Home equity	4,045		3,531		514		—
Total residential mortgage	22,742		15,745		6,997		88
Consumer	1,008		758		250		—
Total nonaccuring TDRs	$	51,959	$	28,959	$	23,000	$	441
Accruing TDRs:
Residential mortgage:
Permanent mortgage	—		—		—		—
Permanent mortgages guaranteed by U.S. government agencies	54,322		13,384		40,938		—
Total residential mortgage	54,322		13,384		40,938		—
Total accruing TDRs	54,322		13,384		40,938		—
Total TDRs	$	106,281	$	42,343	$	63,938	$	441

A summary of troubled debt restructurings by accruing status as of March 31, 2013 is as follows (in thousands):

	As of March 31, 2013
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amount Charged Off During the Three Months Ended March 31, 2013
Nonaccruing TDRs:
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—
Services	2,441		1,195		1,246		292		—
Wholesale/retail	1,481		1,015		466		13		—
Manufacturing	—		—		—		—		—
Healthcare	—		—		—		—		—
Integrated food services	—		—		—		—		—
Other commercial and industrial	856		163		693		—		—
Total commercial	4,778		2,373		2,405		305		—
Commercial real estate:
Residential construction and land development	12,770		2,479		10,291		76		—
Retail	6,139		2,359		3,780		—		627
Office	2,966		1,883		1,083		—		—
Multifamily	—		—		—		—		—
Industrial	—		—		—		—		—
Other real estate loans	4,889		3,281		1,608		—		—
Total commercial real estate	26,764		10,002		16,762		76		627
Residential mortgage:
Permanent mortgage	19,230		12,670		6,560		54		370
Home equity	1,976		1,844		132		—		—
Total residential mortgage	21,206		14,514		6,692		54		370
Consumer	923		759		164		80		—
Total nonaccruing TDRs	$	53,671	$	27,648	$	26,023	$	515	$	997

	As of March 31, 2013
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Amount Charged Off During the Three Months Ended March 31, 2013
Nonaccruing TDRs:
Accruing TDRs:
Residential mortgage:
Permanent mortgage	—		—		—		—		—
Permanent mortgages guaranteed by U.S. government agencies	47,942		13,184		34,758		—		—
Total residential mortgage	47,942		13,184		34,758		—		—
Total accruing TDRs	47,942		13,184		34,758		—		—
Total TDRs	$	101,613	$	40,832	$	60,781	$	515	$	997

Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at March 31, 2014 by class that were restructured during the three months ended March 31, 2014 by primary type of concession (in thousands):

	Three Months Ended Mar. 31, 2014
	Accruing						Nonaccrual								Total
	Payment Stream		Combination & Other		Total		Interest Rate		Payment Stream		Combination & Other		Total
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Services	—		—		—		—		—		—		—		—
Wholesale/retail	—		—		—		—		—		—		—		—
Manufacturing	—		—		—		—		3,000		—		3,000		3,000
Healthcare	—		—		—		—		—		—		—		—
Integrated food services	—		—		—		—		—		—		—		—
Other commercial and industrial	—		—		—		—		—		29		29		29
Total commercial	—		—		—		—		3,000		29		3,029		3,029
Commercial real estate:
Residential construction and land development	—		—		—		—		428		—		428		428
Retail	—		—		—		—		—		—		—		—
Office	—		—		—		—		—		—		—		—
Multifamily	—		—		—		—		—		—		—		—
Industrial	—		—		—		—		—		—		—		—
Other real estate loans	—		—		—		—		—		—		—		—
Total commercial real estate	—		—		—		—		428		—		428		428
Residential mortgage:
Permanent mortgage	—		—		—		—		64		461		525		525
Permanent mortgage guaranteed by U.S. government agencies	1,653		2,891		4,544		—		—		—		—		4,544
Home equity	—		—		—		—		—		346		346		346
Total residential mortgage	1,653		2,891		4,544		—		64		807		871		5,415
Consumer	—		—		—		—		—		36		36		36
Total	$	1,653	$	2,891	$	4,544	$	—	$	3,492	$	872	$	4,364	$	8,908

Troubled debt restructurings generally consist of interest rate concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during the three months ended March 31, 2013 by primary type of concession (in thousands):

	Three Months Ended Mar. 31, 2013
	Accruing						Nonaccrual								Total
	Payment Stream		Combination & Other		Total		Interest Rate		Payment Stream		Combination & Other		Total
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Services	—		—		—		—		56		—		56		56
Wholesale/retail	—		—		—		—		—		—		—		—
Manufacturing	—		—		—		—		—		—		—		—
Healthcare	—		—		—		—		—		—		—		—
Integrated food services	—		—		—		—		—		—		—		—
Other commercial and industrial	—		—		—		151		—		—		151		151
Total commercial	—		—		—		151		56		—		207		207
Commercial real estate:
Residential construction and land development	—		—		—		—		—		—		—		—
Retail	—		—		—		—		—		—		—		—
Office	—		—		—		—		—		—		—		—
Multifamily	—		—		—		—		—		—		—		—
Industrial	—		—		—		—		—		—		—		—
Other real estate loans	—		—		—		—		—		—		—		—
Total commercial real estate	—		—		—		—		—		—		—		—
Residential mortgage:
Permanent mortgage	—		—		—		—		62		509		571		571
Permanent mortgage guaranteed by U.S. government agencies	5,431		3,241		8,672		—		—		—		—		8,672
Home equity	—		—		—		—		—		339		339		339
Total residential mortgage	5,431		3,241		8,672		—		62		848		910		9,582
Consumer	—		—		—		93		—		57		150		150
Total	$	5,431	$	3,241	$	8,672	$	244	$	118	$	905	$	1,267	$	9,939

The following table summarizes, by loan class, the recorded investment at March 31, 2014 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended March 31, 2014 (in thousands):

	Three Months Ended Mar. 31, 2014
	Accruing		Nonaccrual		Total
Commercial:
Energy	$	—	$	—	$	—
Services	—		1,050		1,050
Wholesale/retail	—		—		—
Manufacturing	—		3,000		3,000
Healthcare	—		—		—
Integrated food services	—		—		—
Other commercial and industrial	—		—		—
Total commercial	—		4,050		4,050
Commercial real estate:
Residential construction and land development	—		—		—
Retail	—		473		473
Office	—		206		206
Multifamily	—		—		—
Industrial	—		—		—
Other real estate loans	—		—		—
Total commercial real estate	—		679		679
Residential mortgage:
Permanent mortgage	—		445		445
Permanent mortgage guaranteed by U.S. government agencies	13,686		293		13,979
Home equity	—		427		427
Total residential mortgage	13,686		1,165		14,851
Consumer	—		45		45
Total	$	13,686	$	5,939	$	19,625

A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.

The following table summarizes, by loan class, the recorded investment at March 31, 2013 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three months ended March 31, 2013 (in thousands):

	Three Months Ended Mar. 31, 2013
	Accruing		Nonaccrual		Total
Commercial:
Energy	$	—	$	—	$	—
Services	—		875		875
Wholesale/retail	—		—		—
Manufacturing	—		—		—
Healthcare	—		—		—
Integrated food services	—		—		—
Other commercial and industrial	—		38		38
Total commercial	—		913		913
Commercial real estate:
Residential construction and land development	—		8,065		8,065
Retail	—		—		—
Office	—		—		—
Multifamily	—		—		—
Industrial	—		—		—
Other real estate loans	—		—		—
Total commercial real estate	—		8,065		8,065
Residential mortgage:
Permanent mortgage	—		2,773		2,773
Permanent mortgage guaranteed by U.S. government agencies	18,575		—		18,575
Home equity	—		—		—
Total residential mortgage	18,575		2,773		21,348
Consumer	—		27		27
Total	$	18,575	$	11,778	$	30,353

Summary of Loans by Aging Status [Table Text Block]

Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2014 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,341,923	$	390	$	—	$	1,759	$	2,344,072
Services	2,227,008		882		—		4,581		2,232,471
Wholesale/retail	1,219,058		78		—		6,854		1,225,990
Manufacturing	437,707		2,943		—		3,565		444,215
Healthcare	1,394,479		640		—		1,443		1,396,562
Integrated food services	126,414		100		—		—		126,514
Other commercial and industrial	280,659		378		—		845		281,882
Total commercial	8,027,248		5,411		—		19,047		8,051,706
Commercial real estate:
Residential construction and land development	168,043		230		—		16,547		184,820
Retail	634,497		—		1,383		4,626		640,506
Office	429,700		263		—		6,301		436,264
Multifamily	662,674		—		—		—		662,674
Industrial	304,321		—		—		886		305,207
Other real estate loans	390,421		—		570		10,945		401,936
Total commercial real estate	2,589,656		493		1,953		39,305		2,631,407
Residential mortgage:
Permanent mortgage	991,486		5,732		12		36,342		1,033,572
Permanent mortgages guaranteed by U.S. government agencies	26,919		20,544		135,787		1,572		184,822
Home equity	789,234		3,556		25		7,466		800,281
Total residential mortgage	1,807,639		29,832		135,824		45,380		2,018,675
Consumer	374,518		573		1		974		376,066
Total	$	12,799,061	$	36,309	$	137,778	$	104,706	$	13,077,854

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2013 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,347,267	$	2,483	$	150	$	1,860	$	2,351,760
Services	2,276,036		1,210		42		4,922		2,282,210
Wholesale/retail	1,193,905		338		152		6,969		1,201,364
Manufacturing	391,159		—		—		592		391,751
Healthcare	1,272,660		—		—		1,586		1,274,246
Integrated food services	150,494		—		—		—		150,494
Other commercial and industrial	290,479		81		5		831		291,396
Total commercial	7,922,000		4,112		349		16,760		7,943,221
Commercial real estate:
Residential construction and land development	188,434		428		19		17,377		206,258
Retail	580,926		264		—		4,857		586,047
Office	404,505		603		—		6,391		411,499
Multifamily	576,495		—		—		7		576,502
Industrial	243,625		—		—		252		243,877
Other real estate loans	376,699		1,493		1,012		11,966		391,170
Total commercial real estate	2,370,684		2,788		1,031		40,850		2,415,353
Residential mortgage:
Permanent mortgage	1,018,670		9,795		—		34,279		1,062,744
Permanent mortgages guaranteed by U.S. government agencies	21,916		17,290		141,615		777		181,598
Home equity	797,299		3,087		34		7,264		807,684
Total residential mortgage	1,837,885		30,172		141,649		42,320		2,052,026
Consumer	379,417		1,027		1		1,219		381,664
Total	$	12,509,986	$	38,099	$	143,030	$	101,149	$	12,792,264

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of March 31, 2013 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,346,530	$	525	$	—	$	2,377	$	2,349,432
Services	2,103,111		1,697		517		9,474		2,114,799
Wholesale/retail	1,082,491		270		—		2,239		1,085,000
Manufacturing	397,746		224		—		1,848		399,818
Healthcare	1,073,804		4,806		64		2,962		1,081,636
Integrated food services	173,800		—		—		—		173,800
Other commercial and industrial	212,777		82		—		961		213,820
Total commercial	7,390,259		7,604		581		19,861		7,418,305
Commercial real estate:
Residential construction and land development	214,367		—		—		23,462		237,829
Retail	575,239		119		—		8,921		584,279
Office	404,401		436		2,956		12,851		420,644
Multifamily	455,973		—		—		4,501		460,474
Industrial	234,851		—		—		2,198		237,049
Other real estate loans	329,517		1,748		378		13,242		344,885
Total commercial real estate	2,214,348		2,303		3,334		65,175		2,285,160
Residential mortgage:
Permanent mortgage	1,047,648		5,774		—		38,153		1,091,575
Permanent mortgages guaranteed by U.S. government agencies	25,915		17,669		118,621		214		162,419
Home equity	748,759		2,638		—		7,059		758,456
Total residential mortgage	1,822,322		26,081		118,621		45,426		2,012,450
Consumer	372,970		2,194		314		2,171		377,649
Total	$	11,799,899	$	38,182	$	122,850	$	132,633	$	12,093,564