Quarterly report pursuant to Section 13 or 15(d)

LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)

v3.3.0.814
LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)
9 Months Ended
Sep. 30, 2015
Receivables [Abstract]  
Loan and Lease Portfolio
The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2015 and December 31, 2014:
(dollar amounts in thousands)
September 30,
2015
 
December 31,
2014
Loans and leases:
 
 
 
Commercial and industrial
$
20,039,429

 
$
19,033,146

Commercial real estate
5,404,274

 
5,197,403

Automobile
9,160,241

 
8,689,902

Home equity
8,460,989

 
8,490,915

Residential mortgage
6,071,356

 
5,830,609

Other consumer
519,620

 
413,751

Loans and leases
49,655,909

 
47,655,726

Allowance for loan and lease losses
(591,938
)
 
(605,196
)
Net loans and leases
$
49,063,971

 
$
47,050,530

Loans acquired with deteriorated credit quality
The following table reflects the ending and unpaid balances of all contractually required payments and carrying amounts of the acquired loans by acquisition at September 30, 2015 and December 31, 2014:
 
September 30, 2015
 
December 31, 2014
(dollar amounts in thousands)
Ending
Balance
 
Unpaid
Balance
 
Ending
Balance
 
Unpaid
Balance
Fidelity Bank
 
 
 
 
 
 
 
Commercial and industrial
$
19,484

 
$
28,812

 
$
22,405

 
$
33,622

Commercial real estate
24,619

 
67,413

 
36,663

 
87,250

Residential mortgage
1,513

 
2,292

 
1,912

 
3,096

Other consumer
50

 
107

 
51

 
123

Total
$
45,666

 
$
98,624

 
$
61,031

 
$
124,091

Camco Financial
 
 
 
 
 
 
 
Commercial and industrial
$

 
$

 
$
823

 
$
1,685

Commercial real estate
1,156

 
1,499

 
1,708

 
3,826

Residential mortgage

 

 

 

Other consumer

 

 

 

Total
$
1,156

 
$
1,499

 
$
2,531

 
$
5,511

The following table presents a rollforward of the accretable yield for purchased credit impaired loans by acquisition for the three-month and nine-month periods ended September 30, 2015 and 2014:
 
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
(dollar amounts in thousands)
2015
 
2014
 
2015
 
2014
Fidelity Bank
 
 
 
 
 
 
 
Balance, beginning of period
$
19,312

 
$
24,596

 
$
19,388

 
$
27,995

Accretion
(2,818
)
 
(3,070
)
 
(8,682
)
 
(10,722
)
Reclassification (to) from nonaccretable difference
1,089

 
(6
)
 
6,877

 
4,247

Balance, end of period
$
17,583

 
$
21,520

 
$
17,583

 
$
21,520

Camco Financial
 
 
 
 
 
 
 
Balance, beginning of period
$
681

 
$
154

 
$
824

 
$

Impact of acquisition/purchase on March 1, 2014

 

 

 
143

Accretion
(106
)
 
(153
)
 
(1,357
)
 
(5,335
)
Reclassification (to) from nonaccretable difference
(393
)
 
816

 
715

 
6,009

Balance, end of period
$
182

 
$
817

 
$
182

 
$
817

Loan Purchases and Sales
The following table summarizes portfolio loan purchase and sale activity for the three-month and nine-month periods ended September 30, 2015 and 2014. The table below excludes mortgage loans originated for sale.
(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
 
Home
Equity
 
 
Residential
Mortgage
 
Other
Consumer
 
Total
Portfolio loans and leases purchased or transferred from held for sale during the:
Three-month period ended September 30, 2015
$
180,036

 
$

 
$


 
$



 
$
57,388

 
$

 
$
237,424

Nine-month period ended September 30, 2015
224,532

 

 
262,037

(2)
 



 
164,425

 
$

 
650,994

Three-month period ended September 30, 2014
64,668

 

 

 
 



 
2,224

 
$

 
66,892

Nine-month period ended September 30, 2014
$
270,272

 
$

 
$

 
 
$



 
$
16,547

 
$

 
$
286,819

Portfolio loans and leases sold or transferred to loans held for sale during the:
Three-month period ended September 30, 2015
$
98,117

 
$

 
$

 
 
$
96,786

(3
)
 
$

 
$

 
$
194,903

Nine-month period ended September 30, 2015
284,019

 

 
1,026,195

(1)
 
96,786



 

 

 
1,407,000

Three-month period ended September 30, 2014
179,065

 

 

 
 



 

 

 
179,065

Nine-month period ended September 30, 2014
$
283,796

 
$
7,434

 
$

 
 
$



 
$

 
$
7,592

 
$
298,822

(1)
Reflects the transfer of approximately $1.0 billion automobile loans to loans held-for-sale at March 31, 2015.
(2)
Includes loans Huntington no longer has the intent to sell and, therefore transferred back to the portfolio in the 2015 second quarter.
(3)
Reflects the transfer of approximately $96.8 million home equity TDRs from loans to loans held for sale at September 30, 2015.
NALs and Past Due Loans
The following table presents NALs by loan class at September 30, 2015 and December 31, 2014:
(dollar amounts in thousands)
September 30,
2015
 
December 31,
2014
Commercial and industrial:
 
 
 
Owner occupied
$
42,231

 
$
41,285

Other commercial and industrial
115,671

 
30,689

Total commercial and industrial
157,902

 
71,974

Commercial real estate:
 
 
 
Retail properties
$
7,887

 
$
21,385

Multi family
9,183

 
9,743

Office
5,414

 
7,707

Industrial and warehouse
1,147

 
3,928

Other commercial real estate
3,885

 
5,760

Total commercial real estate
27,516

 
48,523

Automobile
5,551

 
4,623

Home equity:
 
 
 
Secured by first-lien
33,974

 
46,938

Secured by junior-lien
32,472

 
31,577

Total home equity
66,446

 
78,515

Residential mortgage
98,908

 
96,609

Other consumer
154

 

Total nonaccrual loans
$
356,477

 
$
300,244

Aging analysis of loans and leases
The following table presents an aging analysis of loans and leases, including past due loans, by loan class at September 30, 2015 and December 31, 2014: (1)
 
September 30, 2015
 
Past Due
 
 
 
Total Loans
and Leases
 
90 or more
days past due
and accruing
 
(dollar amounts in thousands)
30-59 Days
 
60-89 Days
 
90 or more days
Total
 
Current
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
5,500

 
$
3,742

 
$
11,195

 
$
20,437

 
$
4,056,263

 
$
4,076,700

 
$

 
Purchased credit-impaired
802

 
1,622

 
3,412

 
5,836

 
13,648

 
19,484

 
3,412

(3)
Other commercial and industrial
54,302

 
21,742

 
17,901

 
93,945

 
15,849,300

 
15,943,245

 
3,159

(2)
Total commercial and industrial
60,604

 
27,106

 
32,508

 
120,218

 
19,919,211

 
20,039,429

 
6,571

 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
10,095

 
297

 
3,769

 
14,161

 
1,408,479

 
1,422,640

 
$

 
Multi family
1,078

 
3,620

 
2,605

 
7,303

 
1,210,792

 
1,218,095

 

 
Office
5,889

 
1,094

 
2,211

 
9,194

 
916,636

 
925,830

 

 
Industrial and warehouse
22

 
146

 
369

 
537

 
535,228

 
535,765

 

 
Purchased credit-impaired
364

 
1,052

 
12,178

 
13,594

 
12,181

 
25,775

 
12,178

(3)
Other commercial real estate
188

 

 
3,137

 
3,325

 
1,272,844

 
1,276,169

 

 
Total commercial real estate
17,636

 
6,209

 
24,269

 
48,114

 
5,356,160

 
5,404,274

 
12,178

 
Automobile
58,391

 
14,051

 
6,934

 
79,376

 
9,080,865

 
9,160,241

 
6,873

 
Home equity:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
13,269

 
7,241

 
26,321

 
46,831

 
5,110,070

 
5,156,901

 
4,207

 
Secured by junior-lien
21,693

 
10,523

 
32,952

 
65,168

 
3,238,920

 
3,304,088

 
6,557

 
Total home equity
34,962

 
17,764

 
59,273

 
111,999

 
8,348,990

 
8,460,989

 
10,764

 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
92,163

 
37,313

 
123,097

 
252,573

 
5,817,270

 
6,069,843

 
68,135

(4)
Purchased credit-impaired

 

 

 

 
1,513

 
1,513

 

 
Total residential mortgage
92,163

 
37,313

 
123,097

 
252,573

 
5,818,783

 
6,071,356

 
68,135

 
Other consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
6,411

 
1,547

 
1,241

 
9,199

 
510,371

 
519,570

 
1,087

 
Purchased credit-impaired

 

 

 

 
50

 
50

 

 
Total other consumer
6,411

 
1,547

 
1,241

 
9,199

 
510,421

 
519,620

 
1,087

 
Total loans and leases
$
270,167

 
$
103,990

 
$
247,322

 
$
621,479

 
$
49,034,430

 
$
49,655,909

 
$
105,608

 
 
December 31, 2014
 
Past Due
 
 
 
Total Loans
and Leases
 
90 or more
days past due
and accruing
 
(dollar amounts in thousands)
30-59 Days
 
60-89 Days
 
90 or more days
Total
 
Current
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
5,232

 
$
2,981

 
$
18,222

 
$
26,435

 
$
4,228,440

 
$
4,254,875

 
$

 
Purchased credit-impaired
846

 

 
4,937

 
5,783

 
17,445

 
23,228

 
4,937

(3)
Other commercial and industrial
15,330

 
1,536

 
9,101

 
25,967

 
14,729,076

 
14,755,043

 

 
Total commercial and industrial
21,408

 
4,517

 
32,260

 
58,185

 
18,974,961

 
19,033,146

 
4,937


Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
7,866

 

 
4,021

 
11,887

 
1,345,859

 
1,357,746

 
$

 
Multi family
1,517

 
312

 
3,337

 
5,166

 
1,085,250

 
1,090,416

 

 
Office
464

 
1,167

 
4,415

 
6,046

 
974,257

 
980,303

 

 
Industrial and warehouse
688

 

 
2,649

 
3,337

 
510,064

 
513,401

 

 
Purchased credit-impaired
89

 
289

 
18,793

 
19,171

 
19,200

 
38,371

 
18,793

(3)
Other commercial real estate
847

 
1,281

 
3,966

 
6,094

 
1,211,072

 
1,217,166

 

 
Total commercial real estate
11,471

 
3,049

 
37,181

 
51,701

 
5,145,702

 
5,197,403

 
18,793


Automobile
56,272

 
10,427

 
5,963

 
72,662

 
8,617,240

 
8,689,902

 
5,703

 
Home equity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
15,036

 
8,085

 
33,014

 
56,135

 
5,072,669

 
5,128,804

 
4,471

 
Secured by junior-lien
22,473

 
12,297

 
33,406

 
68,176

 
3,293,935

 
3,362,111

 
7,688

 
Total home equity
37,509

 
20,382

 
66,420

 
124,311

 
8,366,604

 
8,490,915

 
12,159

 
Residential mortgage
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
102,702

 
42,009

 
139,379

 
284,090

 
5,544,607

 
5,828,697

 
88,052

(5)
Purchased credit-impaired

 

 

 

 
1,912

 
1,912

 

 
Total residential mortgage
102,702

 
42,009

 
139,379

 
284,090

 
5,546,519

 
5,830,609

 
88,052


Other consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
5,491

 
1,086

 
837

 
7,414

 
406,286

 
413,700

 
837

 
Purchased credit-impaired

 

 

 

 
51

 
51

 

 
Total other consumer
5,491

 
1,086

 
837

 
7,414

 
406,337

 
413,751

 
837

 
Total loans and leases
$
234,853

 
$
81,470

 
$
282,040

 
$
598,363

 
$
47,057,363

 
$
47,655,726

 
$
130,481

 
(1)
NALs are included in this aging analysis based on the loan’s past due status.
(2)
Amounts include Huntington Technology Finance administrative lease delinquencies.
(3)
Amounts represent accruing purchased impaired loans related to acquisitions. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(4)
Includes $50,643 thousand guaranteed by the U.S. government.
(5)
Includes $55,012 thousand guaranteed by the U.S. government.
ALLL and AULC activity by portfolio segment
The following table presents ALLL and AULC activity by portfolio segment for the three-month and nine-month periods ended September 30, 2015 and 2014:
(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
Three-month period ended September 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
285,041

 
$
92,060

 
$
39,102

 
$
111,178

 
$
51,679

 
$
20,482

 
$
599,542

Loan charge-offs
(26,016
)
 
(3,976
)
 
(9,084
)
 
(10,164
)
 
(3,192
)
 
(8,443
)
 
(60,875
)
Recoveries of loans previously charged-off
16,158

 
17,797

 
4,176

 
4,295

 
1,182

 
1,104

 
44,712

Provision (reduction in allowance) for loan and lease losses
9,146

 
4,086

 
9,755

 
(13,406
)
 
(6,875
)
 
10,918

 
13,624

Write-downs of loans sold or transferred to loans held for sale

 

 

 
(5,065
)
 

 

 
(5,065
)
ALLL balance, end of period
$
284,329

 
$
109,967

 
$
43,949

 
$
86,838

 
$
42,794

 
$
24,061

 
$
591,938

AULC balance, beginning of period
$
41,849

 
$
5,778

 
$

 
$
2,522

 
$
17

 
$
5,205

 
$
55,371

Provision (reduction in allowance) for unfunded loan commitments and letters of credit
6,794

 
1,965

 

 
(619
)
 

 
712

 
8,852

AULC balance, end of period
$
48,643

 
$
7,743

 
$

 
$
1,903

 
$
17

 
$
5,917

 
$
64,223

ACL balance, end of period
$
332,972

 
$
117,710

 
$
43,949

 
$
88,741

 
$
42,811

 
$
29,978

 
$
656,161

Nine-month period ended September 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
286,995

 
$
102,839

 
$
33,466

 
$
96,413

 
$
47,211

 
$
38,272

 
$
605,196

Loan charge-offs
(62,841
)
 
(14,277
)
 
(24,878
)
 
(27,379
)
 
(11,665
)
 
(21,880
)
 
(162,920
)
Recoveries of loans previously charged-off
37,169

 
26,585

 
12,280

 
12,235

 
4,697

 
3,984

 
96,950

Provision (reduction in allowance) for loan and lease losses
23,006

 
(5,180
)
 
25,373

 
10,634

 
2,551

 
3,685

 
60,069

Write-downs of loans sold or transferred to loans held for sale

 

 
(2,292
)
 
(5,065
)
 

 

 
(7,357
)
ALLL balance, end of period
$
284,329

 
$
109,967

 
$
43,949

 
$
86,838

 
$
42,794

 
$
24,061

 
$
591,938

AULC balance, beginning of period
$
48,988

 
$
6,041

 
$

 
$
1,924

 
$
8

 
$
3,845

 
$
60,806

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
(345
)
 
1,702

 

 
(21
)
 
9

 
2,072

 
3,417

AULC balance, end of period
$
48,643

 
$
7,743

 
$

 
$
1,903

 
$
17

 
$
5,917

 
$
64,223

ACL balance, end of period
$
332,972

 
$
117,710

 
$
43,949

 
$
88,741

 
$
42,811

 
$
29,978

 
$
656,161

(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
Three-month period ended September 30, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
278,512

 
$
137,346

 
$
27,158

 
$
105,943

 
$
47,191

 
$
38,951

 
$
635,101

Loan charge-offs
(20,723
)
 
(4,664
)
 
(7,292
)
 
(9,584
)
 
(6,477
)
 
(9,771
)
 
(58,511
)
Recoveries of loans previously charged-off
8,136

 
10,671

 
3,316

 
3,136

 
1,049

 
2,180

 
28,488

Provision for (reduction in allowance) loan and lease losses
25,476

 
(27,881
)
 
7,550

 
880

 
10,895

 
9,038

 
25,958

Allowance for loans sold or transferred to loans held for sale

 

 

 

 

 

 

ALLL balance, end of period
$
291,401

 
$
115,472

 
$
30,732

 
$
100,375

 
$
52,658

 
$
40,398

 
$
631,036

AULC balance, beginning of period
$
44,750

 
$
7,530

 
$

 
$
1,977

 
$
8

 
$
2,662

 
$
56,927

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
(1,545
)
 
(552
)
 

 
(18
)
 
2

 
635

 
(1,478
)
AULC balance, end of period
$
43,205

 
$
6,978

 
$

 
$
1,959

 
$
10

 
$
3,297

 
$
55,449

ACL balance, end of period
$
334,606

 
$
122,450

 
$
30,732

 
$
102,334

 
$
52,668

 
$
43,695

 
$
686,485

Nine-month period ended September 30, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
265,801

 
$
162,557

 
$
31,053

 
$
111,131

 
$
39,577

 
$
37,751

 
$
647,870

Loan charge-offs
(60,305
)
 
(17,772
)
 
(21,969
)
 
(43,844
)
 
(21,525
)
 
(24,934
)
 
(190,349
)
Recoveries of loans previously charged-off
28,515

 
26,957

 
10,425

 
13,218

 
4,832

 
4,750

 
88,697

Provision for (reduction in allowance) loan and lease losses
57,390

 
(56,270
)
 
11,223

 
19,870

 
29,774

 
23,958

 
85,945

Allowance for loans sold or transferred to loans held for sale

 

 

 

 

 
(1,127
)
 
(1,127
)
ALLL balance, end of period
$
291,401

 
$
115,472

 
$
30,732

 
$
100,375

 
$
52,658

 
$
40,398

 
$
631,036

AULC balance, beginning of period
$
49,596

 
$
9,891

 
$

 
$
1,763

 
$
9

 
$
1,640

 
$
62,899

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
(6,391
)
 
(2,913
)
 

 
196

 
1

 
1,657

 
(7,450
)
AULC balance, end of period
$
43,205

 
$
6,978

 
$

 
$
1,959

 
$
10

 
$
3,297

 
$
55,449

ACL balance, end of period
$
334,606

 
$
122,450

 
$
30,732

 
$
102,334

 
$
52,668

 
$
43,695

 
$
686,485

Loan and lease balances by credit quality indicator
The following table presents each loan and lease class by credit quality indicator at September 30, 2015 and December 31, 2014:
 
September 30, 2015
 
Credit Risk Profile by UCS Classification
(dollar amounts in thousands)
Pass
 
OLEM
 
Substandard
 
Doubtful
 
Total
Commercial and industrial:
 
 
 
 
 
 
 
 
 
Owner occupied
$
3,763,002

 
$
96,338

 
$
213,755

 
$
3,605

 
$
4,076,700

Purchased credit-impaired
4,321

 
641

 
14,522

 

 
19,484

Other commercial and industrial
15,031,737

 
289,321

 
616,708

 
5,479

 
15,943,245

Total commercial and industrial
18,799,060

 
386,300

 
844,985

 
9,084

 
20,039,429

Commercial real estate:
 
 
 
 
 
 
 
 
 
Retail properties
1,372,078

 
10,659

 
39,903

 

 
1,422,640

Multi family
1,162,776

 
32,220

 
22,733

 
366

 
1,218,095

Office
861,564

 
27,713

 
35,267

 
1,286

 
925,830

Industrial and warehouse
527,047

 
268

 
8,374

 
76

 
535,765

Purchased credit-impaired
8,333

 
189

 
15,456

 
1,797

 
25,775

Other commercial real estate
1,240,034

 
7,114

 
28,460

 
561

 
1,276,169

Total commercial real estate
5,171,832

 
78,163

 
150,193

 
4,086

 
5,404,274

 
Credit Risk Profile by FICO Score (1)
 
750+
 
650-749
 
<650
 
Other (2)
 
Total
Automobile
4,465,597

 
3,388,521

 
1,053,464

 
252,659

 
9,160,241

Home equity:
 
 
 
 
 
 
 
 
 
Secured by first-lien
3,314,317

 
1,436,522

 
252,179

 
153,883

 
5,156,901

Secured by junior-lien
1,829,202

 
1,035,173

 
336,424

 
103,289

 
3,304,088

Total home equity
5,143,519

 
2,471,695

 
588,603

 
257,172

 
8,460,989

Residential mortgage:
 
 
 
 
 
 
 
 
 
Residential mortgage
3,563,718

 
1,859,268

 
602,172

 
44,685

 
6,069,843

Purchased credit-impaired
422

 
731

 
360

 

 
1,513

Total residential mortgage
3,564,140

 
1,859,999

 
602,532

 
44,685

 
6,071,356

Other consumer:
 
 
 
 
 
 
 
 
 
Other consumer
216,820

 
248,734

 
48,239

 
5,777

 
519,570

Purchased credit-impaired

 
50

 

 

 
50

Total other consumer
$
216,820

 
$
248,784

 
$
48,239

 
$
5,777

 
$
519,620

 
December 31, 2014
 
Credit Risk Profile by UCS Classification
(dollar amounts in thousands)
Pass
 
OLEM
 
Substandard
 
Doubtful
 
Total
Commercial and industrial:
 
 
 
 
 
 
 
 
 
Owner occupied
$
3,959,046

 
$
117,637

 
$
175,767

 
$
2,425

 
$
4,254,875

Purchased credit-impaired
3,915

 
741

 
14,901

 
3,671

 
23,228

Other commercial and industrial
13,925,334

 
386,666

 
440,036

 
3,007

 
14,755,043

Total commercial and industrial
17,888,295

 
505,044

 
630,704

 
9,103

 
19,033,146

Commercial real estate:
 
 
 
 
 
 
 
 
 
Retail properties
1,279,064

 
10,204

 
67,911

 
567

 
1,357,746

Multi family
1,044,521

 
12,608

 
32,322

 
965

 
1,090,416

Office
902,474

 
33,107

 
42,578

 
2,144

 
980,303

Industrial and warehouse
487,454

 
7,877

 
17,781

 
289

 
513,401

Purchased credit-impaired
6,914

 
803

 
25,460

 
5,194

 
38,371

Other commercial real estate
1,166,293

 
9,635

 
40,019

 
1,219

 
1,217,166

Total commercial real estate
4,886,720

 
74,234

 
226,071

 
10,378

 
5,197,403

 
Credit Risk Profile by FICO Score (1)
 
750+
 
650-749
 
<650
 
Other (2)
 
Total
Automobile
4,165,811

 
3,249,141

 
1,028,381

 
246,569

 
8,689,902

Home equity:
 
 
 
 
 
 
 
 
 
Secured by first-lien
3,255,088

 
1,426,191

 
283,152

 
164,373

 
5,128,804

Secured by junior-lien
1,832,663

 
1,095,332

 
348,825

 
85,291

 
3,362,111

Total home equity
5,087,751

 
2,521,523

 
631,977

 
249,664

 
8,490,915

Residential mortgage
 
 
 
 
 
 
 
 
 
Residential mortgage
3,285,310

 
1,785,137

 
666,562

 
91,688

 
5,828,697

Purchased credit-impaired
594

 
1,135

 
183

 

 
1,912

Total residential mortgage
3,285,904

 
1,786,272

 
666,745

 
91,688

 
5,830,609

Other consumer
 
 
 
 
 
 
 
 
 
Other consumer
195,128

 
187,781

 
30,582

 
209

 
413,700

Purchased credit-impaired

 
51

 

 

 
51

Total other consumer
$
195,128

 
$
187,832

 
$
30,582

 
$
209

 
$
413,751

(1)
Reflects currently updated customer credit scores.
(2)
Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
Summarized data for impaired loans and the related ALLL by portfolio segment
The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance at September 30, 2015 and December 31, 2014:
(dollar amounts in thousands)
Commercial
and
Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
ALLL at September 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
Portion of ALLL balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
547

 
$
42

 
$

 
$

 
$
70

 
$

 
$
659

Attributable to loans individually evaluated for impairment
12,824

 
10,458

 
1,446

 
21,346

 
10,186

 
142

 
56,402

Attributable to loans collectively evaluated for impairment
270,958

 
99,467

 
42,503

 
65,492

 
32,538

 
23,919

 
534,877

Total ALLL balance
$
284,329

 
$
109,967

 
$
43,949

 
$
86,838

 
$
42,794

 
$
24,061

 
$
591,938

Loan and Lease Ending Balances at September 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
Portion of loan and lease ending balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
19,484

 
$
25,775

 
$

 
$

 
$
1,513

 
$
50

 
$
46,822

Individually evaluated for impairment
454,648

 
134,397

 
29,938

 
240,886

 
383,718

 
4,720

 
1,248,307

Collectively evaluated for impairment
19,565,297

 
5,244,102

 
9,130,303

 
8,220,103

 
5,686,125

 
514,850

 
48,360,780

Total loans and leases evaluated for impairment
$
20,039,429


$
5,404,274


$
9,160,241


$
8,460,989


$
6,071,356


$
519,620


$
49,655,909

(dollar amounts in thousands)
Commercial
and
Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
ALLL at December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Portion of ALLL balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
3,846

 
$

 
$

 
$

 
$
8

 
$
245

 
$
4,099

Attributable to loans individually evaluated for impairment
11,049

 
18,887

 
1,531

 
26,027

 
16,535

 
214

 
74,243

Attributable to loans collectively evaluated for impairment
272,100

 
83,952

 
31,935

 
70,386

 
30,668

 
37,813

 
526,854

Total ALLL balance:
$
286,995

 
$
102,839

 
$
33,466

 
$
96,413

 
$
47,211

 
$
38,272

 
$
605,196

Loan and Lease Ending Balances at December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Portion of loan and lease ending balances:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
23,228

 
$
38,371

 
$

 
$

 
$
1,912

 
$
51

 
$
63,562

Individually evaluated for impairment
216,993

 
217,262

 
30,612

 
310,446

 
369,577

 
4,088

 
1,148,978

Collectively evaluated for impairment
18,792,925

 
4,941,770

 
8,659,290

 
8,180,469

 
5,459,120

 
409,612

 
46,443,186

Total loans and leases evaluated for impairment
$
19,033,146

 
$
5,197,403

 
$
8,689,902

 
$
8,490,915

 
$
5,830,609

 
$
413,751

 
$
47,655,726

Detailed impaired loan information by class
The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for loans and leases individually evaluated for impairment and purchased credit-impaired loans: (1), (2)
 
September 30, 2015
 
Three Months Ended September 30, 2015
 
Nine Months Ended September 30, 2015
(dollar amounts in thousands)
Ending
Balance
 
Unpaid
Principal
Balance (5)
 
Related
Allowance
 
Average
Balance
 
Interest
Income
Recognized
 
Average
Balance
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
45,595

 
$
55,449

 
$

 
$
42,137

 
$
149

 
$
25,142

 
$
296

Purchased credit-impaired

 

 

 

 

 

 

Other commercial and industrial
101,805

 
132,213

 

 
90,885

 
561

 
68,114

 
1,398

Total commercial and industrial
147,400


187,662


$


133,022


710


93,256


1,694

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
42,412

 
64,421

 

 
45,483

 
526

 
51,315

 
1,485

Multi family

 

 

 

 

 

 

Office
9,112

 
12,993

 

 
8,815

 
34

 
7,336

 
151

Industrial and warehouse
2,018

 
2,039

 

 
673

 
10

 
400

 
17

Purchased credit-impaired

 

 

 

 

 

 

Other commercial real estate
2,250

 
2,282

 

 
1,956

 
20

 
2,716

 
81

Total commercial real estate
55,792


81,735




56,927


590


61,767


1,734

Other consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer

 

 

 

 

 

 

Purchased credit-impaired
50

 
107

 

 
50

 
3

 
51

 
11

Total other consumer
$
50


$
107


$


$
50


$
3


$
51


$
11

 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial: (3)
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
57,048

 
$
67,187

 
$
3,544

 
$
53,136

 
$
524

 
$
54,622

 
$
1,458

Purchased credit-impaired
19,484

 
28,812

 
547

 
19,803

 
1,216

 
21,053

 
4,176

Other commercial and industrial
250,200

 
264,320

 
9,280

 
225,478

 
1,680

 
185,312

 
4,054

Total commercial and industrial
326,732

 
360,319

 
13,371

 
298,417

 
3,420

 
260,987

 
9,688

Commercial real estate: (4)
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
20,938

 
25,945

 
3,175

 
32,387

 
332

 
39,074

 
1,112

Multi family
14,388

 
19,067

 
1,506

 
15,320

 
161

 
15,582

 
515

Office
12,508

 
16,324

 
1,122

 
20,639

 
201

 
37,272

 
1,214

Industrial and warehouse
6,266

 
6,751

 
1,014

 
6,296

 
84

 
6,949

 
246

Purchased credit-impaired
25,775

 
68,912

 
42

 
26,684

 
1,611

 
31,770

 
5,531

Other commercial real estate
24,505

 
30,567

 
3,641

 
25,368

 
306

 
27,974

 
994

Total commercial real estate
104,380

 
167,566

 
10,500

 
126,694

 
2,695

 
158,621

 
9,612

Automobile
29,938

 
30,470

 
1,446

 
29,371

 
554

 
29,878

 
1,659

Home equity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
48,690

 
53,885

 
3,984

 
99,474

 
417

 
123,010

 
3,716

Secured by junior-lien
192,196

 
225,689

 
17,362

 
189,211

 
2,308

 
179,798

 
6,525

Total home equity
240,886

 
279,574

 
21,346

 
288,685

 
2,725

 
302,808

 
10,241

Residential mortgage (6):
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
383,718

 
426,569

 
10,186

 
374,250

 
3,209

 
372,946

 
9,309

Purchased credit-impaired
1,513

 
2,292

 
70

 
1,776

 
94

 
1,908

 
321

Total residential mortgage
385,231

 
428,861

 
10,256

 
376,026

 
3,303

 
374,854

 
9,630

Other consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
4,720

 
4,753

 
142

 
4,801

 
64

 
4,683

 
191

Purchased credit-impaired

 

 

 

 

 

 

Total other consumer
$
4,720

 
$
4,753

 
$
142

 
$
4,801

 
$
64

 
$
4,683

 
$
191


 
December 31, 2014
 
Three Months Ended
September 30, 2014
 
Nine Months Ended
September 30, 2014
(dollar amounts in thousands)
Ending
Balance
 
Unpaid
Principal
Balance (5)
 
Related
Allowance
 
Average
Balance
 
Interest
Income
Recognized
 
Average
Balance
 
Interest
Income
Recognized
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
13,536

 
$
13,536

 
$

 
$
5,365

 
$
50

 
$
4,650

 
$
134

Purchased credit-impaired

 

 

 

 

 

 

Other commercial and industrial
24,309

 
26,858

 

 
5,137

 
70

 
6,768

 
256

Total commercial and industrial
37,845


40,394


$


10,502


120


11,418


390

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
61,915

 
91,627

 

 
50,023

 
617

 
53,117

 
1,854

Multi family

 

 

 

 

 

 

Office
1,130

 
3,574

 

 
4,040

 
49

 
4,280

 
279

Industrial and warehouse
3,447

 
3,506

 

 
3,619

 
45

 
5,940

 
221

Purchased credit-impaired
38,371

 
91,075

 

 

 

 

 

Other commercial real estate
6,608

 
6,815

 

 
7,962

 
85

 
6,879

 
221

Total commercial real estate
111,471


196,597




65,644


796


70,216


2,575

Other consumer

 

 

 

 

 

 

Purchased credit-impaired

 

 

 
53

 
2

 
91

 
11

Total other consumer
$


$


$


$
53


$
2


$
91


$
11

 
 
 
 
 
 
 
 
 
 
 
 
 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial: (3)
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
44,869

 
$
53,639

 
$
4,220

 
$
39,001

 
$
383

 
$
39,653

 
$
1,172

Purchased credit-impaired
23,228

 
35,307

 
3,846

 
33,056

 
1,306

 
34,509

 
6,508

Other commercial and industrial
134,279

 
162,908

 
6,829

 
108,856

 
658

 
79,925

 
1,937

Total commercial and industrial
202,376

 
251,854

 
14,895

 
180,913

 
2,347

 
154,087

 
9,617

Commercial real estate: (4)
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
37,081

 
38,397

 
3,536

 
67,589

 
505

 
66,780

 
1,569

Multi family
17,277

 
23,725

 
2,339

 
17,551

 
172

 
16,472

 
488

Office
52,953

 
56,268

 
8,399

 
53,262

 
624

 
52,981

 
1,771

Industrial and warehouse
8,888

 
10,396

 
720

 
9,279

 
90

 
9,198

 
199

Purchased credit-impaired

 

 

 
49,979

 
1,813

 
64,688

 
9,034

Other commercial real estate
27,963

 
33,472

 
3,893

 
41,661

 
469

 
45,316

 
1,483

Total commercial real estate
144,162

 
162,258

 
18,887

 
239,321

 
3,673

 
255,435

 
14,544

Automobile
30,612

 
32,483

 
1,531

 
36,209

 
632

 
35,643

 
2,034

Home equity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
145,566

 
157,978

 
8,296

 
131,301

 
1,391

 
121,861

 
4,001

Secured by junior-lien
164,880

 
208,118

 
17,731

 
144,919

 
1,678

 
124,254

 
4,539

Total home equity
310,446

 
366,096

 
26,027

 
276,220

 
3,069

 
246,115

 
8,540

Residential mortgage (6):
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
369,577

 
415,280

 
16,535

 
391,288

 
2,813

 
384,787

 
8,661

Purchased credit-impaired
1,912

 
3,096

 
8

 
2,369

 
101

 
2,373

 
504

Total residential mortgage
371,489

 
418,376

 
16,543

 
393,657

 
2,914

 
387,160

 
9,165

Other consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
4,088

 
4,209

 
214

 
3,502

 
53

 
2,473

 
146

Purchased credit-impaired
51

 
123

 
245

 

 

 

 

Total other consumer
$
4,139

 
$
4,332

 
$
459

 
$
3,502

 
$
53

 
$
2,473

 
$
146

(1)
These tables do not include loans fully charged-off or transferred to loans held for sale.
(2)
All automobile, home equity, residential mortgage, and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR.
(3)
At September 30, 2015, $95,616 thousand of the $326,732 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014, $62,737 thousand of the $202,376 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.
(4)
At September 30, 2015, $45,578 thousand of the $104,380 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2014, $27,423 thousand of the $144,162 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR.
(5)
The differences between the ending balance and unpaid principal balance amounts represent partial charge-offs.
(6)
At September 30, 2015, $31,767 thousand of the $385,231 thousand residential mortgages loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2014, $24,470 thousand of the $371,489 thousand residential mortgage loans with an allowance recorded were guaranteed by the U.S. government.
Detailed troubled debt restructuring information by class
The following tables present by class and by the reason for the modification, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month and nine-month periods ended September 30, 2015 and 2014:
 
New Troubled Debt Restructurings During The Three-Month Period Ended (1)
 
September 30, 2015
 
September 30, 2014
(dollar amounts in thousands)
Number of
Contracts
 
Post-modification
Outstanding
Ending Balance
 
Financial effects
of modification (2)
 
Number of
Contracts
 
Post-modification
Outstanding
Ending Balance
 
Financial effects
of modification (2)
C&I—Owner occupied:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 
$

 
$

 
2

 
$
360

 
$

Amortization or maturity date change
60

 
29,433

 
303

 
27

 
11,562

 
132

Other

 

 

 
1

 
91

 

Total C&I—Owner occupied
60


29,433


303


30


12,013


132

C&I—Other commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
2

 
89

 
(7
)
 
2

 
4,076

 
(14
)
Amortization or maturity date change
157

 
104,923

 
4,523

 
78

 
35,952

 
(202
)
Other
2

 
338

 
4

 
6

 
683

 
(6
)
Total C&I—Other commercial and industrial
161

 
105,350

 
4,520

 
86

 
40,711

 
(222
)
CRE—Retail properties:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 
1

 
124

 
(1
)
Amortization or maturity date change
8

 
4,360

 
(125
)
 
7

 
1,997

 
(4
)
Other

 

 

 

 

 

Total CRE—Retail properties
8


4,360


(125
)

8


2,121


(5
)
CRE—Multi family:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 
9

 
2,744

 
(75
)
Amortization or maturity date change
6

 
1,296

 
320

 
9

 
5,724

 
(3
)
Other

 

 

 
3

 
470

 
(4
)
Total CRE—Multi family
6


1,296


320


21


8,938


(82
)
CRE—Office:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
356

 
6

 

 

 

Amortization or maturity date change
7

 
26,259

 
178

 
6

 
2,575

 
(7
)
Other

 

 

 
1

 
10,564

 
328

Total CRE—Office
8


26,615


184


7


13,139


321

CRE—Industrial and warehouse:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

 

 

Amortization or maturity date change
4

 
2,692

 
(30
)
 
9

 
3,610

 
(45
)
Other

 

 

 

 

 

Total CRE—Industrial and Warehouse
4


2,692


(30
)

9


3,610


(45
)
CRE—Other commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 
3

 
205

 
95

Amortization or maturity date change
5

 
934

 
40

 
3

 
1,762

 
(6
)
Other

 

 

 

 

 

Total CRE—Other commercial real estate
5

 
934

 
40

 
6

 
1,967

 
89

Automobile:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
5

 
6

 

 
7

 
199

 
2

Amortization or maturity date change
401

 
3,445

 
157

 
381

 
2,531

 
34

Chapter 7 bankruptcy
331

 
2,585

 
84

 
165

 
1,420

 
34

Other

 

 

 

 

 

Total Automobile
737

 
6,036

 
241

 
553

 
4,150

 
70

Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
3

 
686

 
(4
)
 
7

 
633

 
10

Amortization or maturity date change
261

 
27,553

 
(147
)
 
64

 
7,723

 
(37
)
Chapter 7 bankruptcy
37

 
3,888

 
5

 
33

 
3,082

 
128

Other
3

 
254

 

 
1

 
106

 

Total Residential mortgage
304

 
32,381

 
(146
)
 
105

 
11,544

 
101

First-lien home equity:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
11

 
800

 
36

 
29

 
2,730

 
42

Amortization or maturity date change
57

 
4,863

 
(147
)
 
69

 
5,518

 
(316
)
Chapter 7 bankruptcy
40

 
2,288

 
99

 
24

 
1,988

 
104

Other

 

 

 

 

 

Total First-lien home equity
108

 
7,951

 
(12
)
 
122

 
10,236

 
(170
)
Junior-lien home equity:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
7

 
301

 
24

 
3

 
320

 
15

Amortization or maturity date change
364

 
13,979

 
(2,029
)
 
412

 
16,092

 
(2,140
)
Chapter 7 bankruptcy
61

 
552

 
1,035

 
49

 
750

 
710

Other

 

 

 

 

 

Total Junior-lien home equity
432

 
14,832

 
(970
)
 
464

 
17,162

 
(1,415
)
Other consumer:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
96

 
3

 
1

 

 

Amortization or maturity date change
1

 
2

 

 
14

 
642

 
33

Chapter 7 bankruptcy
2

 
13

 

 
2

 
5

 

Other

 

 

 

 

 

Total Other consumer
4

 
111

 
3

 
17

 
647

 
33

Total new troubled debt restructurings
1,837

 
$
231,991

 
$
4,328

 
1,428

 
$
126,238

 
$
(1,193
)
(1)
TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.
(2)
Amounts represent the financial impact via provision for loan and lease losses as a result of the modification.
 
New Troubled Debt Restructurings During The Nine-Month Period Ended (1)
 
September 30, 2015
 
September 30, 2014
(dollar amounts in thousands)
Number of
Contracts
 
Post-modification
Outstanding
Ending Balance
 
Financial effects
of modification (2)
 
Number of
Contracts
 
Post-modification
Outstanding
Ending Balance
 
Financial effects
of modification (2)
C&I—Owner occupied:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
3

 
$
235

 
$
(2
)
 
17

 
$
2,141

 
$
21

Amortization or maturity date change
161

 
76,400

 
(1,799
)
 
64

 
19,899

 
70

Other
3

 
613

 
(29
)
 
5

 
1,906

 
(35
)
Total C&I—Owner occupied
167

 
77,248

 
(1,830
)
 
86

 
23,946

 
56

C&I—Other commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
7

 
524

 
3

 
21

 
49,557

 
(1,936
)
Amortization or maturity date change
427

 
341,148

 
(76,078
)
 
187

 
89,331

 
156

Other
8

 
28,850

 
(430
)
 
16

 
7,354

 
(75
)
Total C&I—Other commercial and industrial
442

 
370,522

 
(76,505
)
 
224

 
146,242

 
(1,855
)
CRE—Retail properties:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
1,657

 
(11
)
 
4

 
11,229

 
420

Amortization or maturity date change
20

 
15,333

 
(1,658
)
 
17

 
24,147

 
(185
)
Other

 

 

 
9

 
13,765

 
(35
)
Total CRE—Retail properties
21

 
16,990

 
(1,669
)
 
30

 
49,141

 
200

CRE—Multi family:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
90

 

 
20

 
3,484

 
(75
)
Amortization or maturity date change
36

 
11,532

 
291

 
20

 
6,104

 
(5
)
Other
8

 
216

 
(6
)
 
7

 
4,770

 
57

Total CRE—Multi family
45

 
11,838

 
285

 
47

 
14,358

 
(23
)
CRE—Office:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
356

 
7

 
2

 
120

 
(1
)
Amortization or maturity date change
19

 
57,332

 
250

 
16

 
11,791

 
(367
)
Other
1

 
30

 
(2
)
 
5

 
35,476

 
(3,153
)
Total CRE—Office
21

 
57,718

 
255

 
23

 
47,387

 
(3,521
)
CRE—Industrial and warehouse:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 
2

 
4,046

 

Amortization or maturity date change
9

 
5,078

 
61

 
14

 
7,166

 
167

Other

 

 

 
1

 
977

 

Total CRE—Industrial and Warehouse
9

 
5,078

 
61

 
17

 
12,189

 
167

CRE—Other commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction

 

 

 
8

 
5,224

 
146

Amortization or maturity date change
22

 
8,665

 
66

 
47

 
74,767

 
(2,781
)
Other
2

 
234

 
(22
)
 
2

 
926

 
(1
)
Total CRE—Other commercial real estate
24

 
8,899

 
44

 
57

 
80,917

 
(2,636
)
Automobile:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
30

 
48

 
2

 
55

 
627

 
10

Amortization or maturity date change
1,213

 
8,929

 
411

 
1,550

 
9,758

 
61

Chapter 7 bankruptcy
621

 
4,946

 
245

 
483

 
3,791

 
(7
)
Other

 

 

 

 

 

Total Automobile
1,864

 
13,923

 
658

 
2,088

 
14,176

 
64

Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
12

 
1,423

 
(60
)
 
22

 
2,866

 
(14
)
Amortization or maturity date change
454

 
50,827

 
(342
)
 
281

 
39,025

 
518

Chapter 7 bankruptcy
106

 
10,948

 
(126
)
 
150

 
15,573

 
503

Other
9

 
962

 

 
4

 
405

 
5

Total Residential mortgage
581

 
64,160

 
(528
)
 
457

 
57,869

 
1,012

First-lien home equity:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
32

 
3,379

 
104

 
124

 
10,696

 
646

Amortization or maturity date change
171

 
14,906

 
(775
)
 
204

 
16,682

 
(647
)
Chapter 7 bankruptcy
88

 
5,143

 
233

 
67

 
4,410

 
204

Other

 

 

 

 

 

Total First-lien home equity
291

 
23,428

 
(438
)
 
395

 
31,788

 
203

Junior-lien home equity:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
15

 
650

 
45

 
171

 
6,142

 
185

Amortization or maturity date change
1,130

 
48,563

 
(7,580
)
 
1,045

 
41,177

 
(5,732
)
Chapter 7 bankruptcy
169

 
1,977

 
3,280

 
152

 
2,363

 
2,148

Other

 

 

 

 

 

Total Junior-lien home equity
1,314

 
51,190

 
(4,255
)
 
1,368

 
49,682

 
(3,399
)
Other consumer:
 
 
 
 
 
 
 
 
 
 
 
Interest rate reduction
1

 
96

 
3

 
1

 

 

Amortization or maturity date change
7

 
130

 
6

 
44

 
1,777

 
11

Chapter 7 bankruptcy
7

 
58

 
9

 
21

 
446

 
(51
)
Other

 

 

 

 

 

Total Other consumer
15

 
284

 
18

 
66

 
2,223

 
(40
)
Total new troubled debt restructurings
4,794

 
$
701,278

 
$
(83,904
)
 
4,858

 
$
529,918

 
$
(9,772
)
(1)
TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.
(2)
Amount represents the financial impact via provision for loan and lease losses as a result of the modification.
Any loan within any portfolio or class is considered to be in payment redefault at 90-days past due.
The following tables present TDRs that have defaulted within one year of modification during the three-month and nine-month periods ended September 30, 2015 and 2014:
 
Troubled Debt Restructurings That Have Redefaulted (1)
Within One Year of Modification During The Three Months Ended
 
September 30, 2015
 
September 30, 2014
(dollar amounts in thousands)
Number of
Contracts
 
Ending
Balance
 
Number of
Contracts
 
Ending
Balance
C&I—Owner occupied:
 
 
 
 
 
 
 
Interest rate reduction

 
$

 

 
$

Amortization or maturity date change
2

 
328

 
2

 
388

Other

 

 

 

Total C&I—Owner occupied
2

 
328

 
2

 
388

C&I—Other commercial and industrial:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
11

 
964

 
3

 
88

Other

 

 

 

Total C&I—Other commercial and industrial
11

 
964

 
3

 
88

CRE—Retail Properties:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change

 

 

 

Other

 

 

 

Total CRE—Retail properties

 

 

 

CRE—Multi family:
 
 
 
 
 
 
 
Interest rate reduction


 


 

 

Amortization or maturity date change
2

 
443

 
1

 
138

Other
1

 
140

 

 

Total CRE—Multi family
3

 
583

 
1

 
138

CRE—Office:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
1

 
1,596

 

 

Other

 

 

 

Total CRE—Office
1

 
1,596

 

 

CRE—Industrial and Warehouse:
 
 
 
 
 
 
 
Interest rate reduction

 

 
1

 
1,339

Amortization or maturity date change

 

 

 

Other

 

 

 

Total CRE—Industrial and Warehouse

 

 
1

 
1,339

CRE—Other commercial real estate:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
1

 
93

 
1

 
197

Other

 

 

 

Total CRE—Other commercial real estate
1

 
93

 
1

 
197

Automobile:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
12

 
99

 
13

 
144

Chapter 7 bankruptcy
2

 
10

 
5

 
31

Other

 

 

 

Total Automobile
14

 
109

 
18

 
175

Residential mortgage:
 
 
 
 
 
 
 
Interest rate reduction
2

 
178

 
1

 
118

Amortization or maturity date change
19

 
1,624

 
20

 
2,300

Chapter 7 bankruptcy
3

 
310

 
10

 
1,007

Other

 

 

 

Total Residential mortgage
24

 
2,112

 
31

 
3,425

First-lien home equity:
 
 
 
 
 
 
 
Interest rate reduction
3

 
232

 
1

 
39

Amortization or maturity date change

 

 
6

 
998

Chapter 7 bankruptcy
3

 
265

 
6

 
243

Other

 

 

 

Total First-lien home equity
6

 
497

 
13

 
1,280

Junior-lien home equity:
 
 
 
 
 
 
 
Interest rate reduction
1

 
214

 

 

Amortization or maturity date change
7

 
220

 
8

 
578

Chapter 7 bankruptcy
2

 

 
15

 
24

Other

 

 

 

Total Junior-lien home equity
10

 
434

 
23

 
602

Other consumer:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change

 

 

 

Chapter 7 bankruptcy

 

 

 

Other

 

 

 

Total Other consumer

 

 

 

Total troubled debt restructurings with subsequent redefault
72

 
$
6,716

 
93

 
$
7,632

(1)
Subsequent redefault is defined as a payment redefault within 12 months of the restructuring date. Payment redefault is defined as 90-days past due for any loan within any portfolio or class. Any loan may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.
 
Troubled Debt Restructurings That Have Redefaulted (1)
Within One Year of Modification During The Nine Months Ended
 
September 30, 2015
 
September 30, 2014
(dollar amounts in thousands)
Number of
Contracts
 
Ending
Balance
 
Number of
Contracts
 
Ending
Balance
C&I—Owner occupied:
 
 
 
 
 
 
 
Interest rate reduction

 
$

 

 
$

Amortization or maturity date change
5

 
900

 
4

 
788

Other

 

 
1

 
230

Total C&I—Owner occupied
5


900


5


1,018

C&I—Other commercial and industrial:
 
 
 
 
 
 
 
Interest rate reduction
1

 
27

 

 

Amortization or maturity date change
21

 
2,650

 
10

 
1,132

Other

 

 

 

Total C&I—Other commercial and industrial
22


2,677


10


1,132

CRE—Retail Properties:
 
 
 
 
 
 
 
Interest rate reduction
1

 
47

 

 

Amortization or maturity date change
1

 
6,482

 

 

Other

 

 

 

Total CRE—Retail properties
2


6,529





CRE—Multi family:
 
 
 
 
 
 
 
Interest rate reduction

 
$

 

 

Amortization or maturity date change
10

 
1,354

 
2

 
350

Other
1

 
140

 

 

Total CRE—Multi family
11


1,494


2


350

CRE—Office:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
3

 
2,984

 
1

 
493

Other

 

 

 

Total CRE—Office
3


2,984


1


493

CRE—Industrial and Warehouse:
 
 
 
 
 
 
 
Interest rate reduction

 

 
1

 
1,339

Amortization or maturity date change

 

 

 

Other

 

 

 

Total CRE—Industrial and Warehouse




1


1,339

CRE—Other commercial real estate:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change
1

 
93

 
2

 
758

Other

 

 

 

Total CRE—Other commercial real estate
1


93


2


758

Automobile:
 
 
 
 
 
 
 
Interest rate reduction
1

 
4

 

 

Amortization or maturity date change
24

 
298

 
39

 
326

Chapter 7 bankruptcy
16

 
133

 
42

 
262

Other

 

 

 

Total Automobile
41

 
435

 
81

 
588

Residential mortgage:
 
 
 
 
 
 
 
Interest rate reduction
3

 
239

 
4

 
468

Amortization or maturity date change
45

 
4,225

 
64

 
7,354

Chapter 7 bankruptcy
7

 
699

 
33

 
2,952

Other

 

 

 

Total Residential mortgage
55

 
5,163

 
101

 
10,774

First-lien home equity:
 
 
 
 
 
 
 
Interest rate reduction
4

 
387

 
3

 
202

Amortization or maturity date change
4

 
258

 
14

 
1,928

Chapter 7 bankruptcy
26

 
2,191

 
14

 
843

Other

 

 

 

Total First-lien home equity
34

 
2,836

 
31

 
2,973

Junior-lien home equity:
 
 
 
 
 
 
 
Interest rate reduction
3

 
411

 

 

Amortization or maturity date change
27

 
1,018

 
22

 
1,276

Chapter 7 bankruptcy
14

 
401

 
37

 
620

Other

 

 

 

Total Junior-lien home equity
44

 
1,830

 
59

 
1,896

Other consumer:
 
 
 
 
 
 
 
Interest rate reduction

 

 

 

Amortization or maturity date change

 

 

 

Chapter 7 bankruptcy

 

 

 

Other

 

 

 

Total Other consumer

 

 

 

Total troubled debt restructurings with subsequent redefault
218

 
$
24,941

 
293

 
$
21,321

(1)
Subsequent redefault is defined as a payment redefault within 12 months of the restructuring date. Payment redefault is defined as 90-days past due for any loan in any portfolio or class. Any loan in any portfolio or class may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.