|
Loans / Leases and Allowance for Credit Losses (Tables)
|
6 Months Ended |
|
Jun. 30, 2011
|
| Loans / Leases and Allowance for Credit Losses [Abstract] |
|
| Loan and Lease Portfolio |
The following table provides a detail listing of Huntington’s loan and lease portfolio at June
30, 2011, December 31, 2010, and June 30, 2010:
| |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
June 30, |
|
|
December 31, |
|
|
June 30, |
|
| (dollar amounts in thousands) |
|
2011 |
|
|
2010 |
|
|
2010 |
|
|
Loans and leases:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial
|
|
$ |
13,544,366 |
|
|
$ |
13,063,293 |
|
|
$ |
12,392,309 |
|
|
Commercial real estate
|
|
|
6,164,084 |
|
|
|
6,651,156 |
|
|
|
7,183,817 |
|
|
Automobile
|
|
|
6,190,245 |
|
|
|
5,614,711 |
|
|
|
4,846,566 |
|
|
Home equity
|
|
|
7,952,350 |
|
|
|
7,713,154 |
|
|
|
7,510,393 |
|
|
Residential mortgage
|
|
|
4,751,083 |
|
|
|
4,500,366 |
|
|
|
4,354,287 |
|
|
Other consumer
|
|
|
524,324 |
|
|
|
563,827 |
|
|
|
682,323 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and leases
|
|
|
39,126,452 |
|
|
|
38,106,507 |
|
|
|
36,969,695 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan and lease losses
|
|
|
(1,071,126 |
) |
|
|
(1,249,008 |
) |
|
|
(1,402,160 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
Net loans and leases
|
|
$ |
38,055,326 |
|
|
$ |
36,857,499 |
|
|
$ |
35,567,535 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Loan Purchases and Sales |
The following table summarizes significant portfolio loan purchase and sale activity for the
six-month period ended June 30, 2011:
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Commercial |
|
|
Commercial |
|
|
|
|
|
|
Home |
|
|
Residential |
|
|
Other |
|
|
|
|
| (dollar amounts in thousands) |
|
and Industrial |
|
|
Real Estate |
|
|
Automobile |
|
|
Equity |
|
|
Mortgage |
|
|
Consumer |
|
|
Total |
|
|
|
|
|
|
|
|
|
|
|
Portfolio loans purchased during the:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three-month period ended June 30, 2011
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
Six-month period ended June 30, 2011
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portfolio loans with allowance sold or transferred to loans
held for sale during the:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three-month period ended June 30, 2011
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
87,215 |
|
|
|
— |
|
|
|
87,215 |
|
|
Six-month period ended June 30, 2011
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
87,215 |
|
|
|
— |
|
|
|
87,215 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portfolio loans without allowance sold or transferred to loans
held for sale during the:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three-month period ended June 30, 2011
|
|
|
69,483 |
|
|
|
8,330 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
77,813 |
|
|
Six-month period ended June 30, 2011
|
|
|
155,482 |
|
|
|
56,123 |
|
|
|
— |
|
|
|
— |
|
|
|
83,542 |
|
|
|
— |
|
|
|
295,147 |
|
|
| NALs and Past Due Loans |
The following table presents NALs by loan class:
| |
|
|
|
|
|
|
|
|
| |
|
2011 |
|
|
2010 |
|
| (dollar amounts in thousands) |
|
June 30, |
|
|
December 31, |
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
113,211 |
|
|
$ |
138,822 |
|
|
Other commercial and industrial
|
|
|
116,116 |
|
|
|
207,898 |
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
|
229,327 |
|
|
|
346,720 |
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
|
51,354 |
|
|
|
96,644 |
|
|
Multi family
|
|
|
42,467 |
|
|
|
44,819 |
|
|
Office
|
|
|
38,943 |
|
|
|
47,950 |
|
|
Industrial and warehouse
|
|
|
54,621 |
|
|
|
39,770 |
|
|
Other commercial real estate
|
|
|
104,115 |
|
|
|
134,509 |
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
|
291,500 |
|
|
|
363,692 |
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
— |
|
|
|
— |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
14,897 |
|
|
|
10,658 |
|
|
Secured by second-lien
|
|
|
18,648 |
|
|
|
11,868 |
|
|
Residential mortgage
|
|
|
59,853 |
|
|
|
45,010 |
|
|
Other consumer
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
Total nonaccrual loans
|
|
$ |
614,225 |
|
|
$ |
777,948 |
|
|
|
|
|
|
|
|
|
|
| Aging analysis of loans and leases |
The following table presents an aging analysis of loans and leases, including past due loans,
by loan class: (1)
June 30, 2011
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
90 or more |
|
| |
|
Past Due |
|
|
|
|
|
|
Total Loans and |
|
|
days past due |
|
| (dollar amounts in thousands) |
|
30-59 Days |
|
|
60-89 Days |
|
|
90 or more days |
|
|
Total |
|
|
Current |
|
|
Leases |
|
|
and accruing |
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
16,087 |
|
|
$ |
9,357 |
|
|
$ |
67,787 |
|
|
$ |
93,231 |
|
|
$ |
3,777,056 |
|
|
$ |
3,870,287 |
|
|
$ |
— |
|
|
Other commercial and industrial
|
|
|
16,229 |
|
|
|
9,334 |
|
|
|
71,642 |
|
|
|
97,205 |
|
|
|
9,576,874 |
|
|
|
9,674,079 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
32,316 |
|
|
$ |
18,691 |
|
|
$ |
139,429 |
|
|
$ |
190,436 |
|
|
$ |
13,353,930 |
|
|
$ |
13,544,366 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
6,129 |
|
|
$ |
6,036 |
|
|
$ |
39,315 |
|
|
$ |
51,480 |
|
|
$ |
1,626,467 |
|
|
$ |
1,677,947 |
|
|
$ |
— |
|
|
Multi family
|
|
|
8,227 |
|
|
|
1,358 |
|
|
|
29,057 |
|
|
|
38,642 |
|
|
|
1,020,775 |
|
|
|
1,059,417 |
|
|
|
— |
|
|
Office
|
|
|
4,096 |
|
|
|
2,065 |
|
|
|
31,930 |
|
|
|
38,091 |
|
|
|
978,582 |
|
|
|
1,016,673 |
|
|
|
— |
|
|
Industrial and warehouse
|
|
|
4,673 |
|
|
|
— |
|
|
|
31,232 |
|
|
|
35,905 |
|
|
|
737,324 |
|
|
|
773,229 |
|
|
|
— |
|
|
Other commercial real estate
|
|
|
5,320 |
|
|
|
3,020 |
|
|
|
78,922 |
|
|
|
87,262 |
|
|
|
1,549,556 |
|
|
|
1,636,818 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
28,445 |
|
|
$ |
12,479 |
|
|
$ |
210,456 |
|
|
$ |
251,380 |
|
|
$ |
5,912,704 |
|
|
$ |
6,164,084 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
38,764 |
|
|
|
9,314 |
|
|
$ |
4,419 |
|
|
$ |
52,497 |
|
|
$ |
6,137,748 |
|
|
$ |
6,190,245 |
|
|
$ |
4,419 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
14,215 |
|
|
|
8,302 |
|
|
|
23,206 |
|
|
|
45,723 |
|
|
|
3,352,931 |
|
|
|
3,398,654 |
|
|
|
8,309 |
|
|
Secured by second-lien
|
|
|
29,936 |
|
|
|
16,571 |
|
|
|
27,790 |
|
|
|
74,297 |
|
|
|
4,479,399 |
|
|
|
4,553,696 |
|
|
|
9,142 |
|
|
Residential mortgage
|
|
|
141,599 |
|
|
|
37,854 |
|
|
|
164,806 |
|
|
|
344,259 |
|
|
|
4,406,824 |
|
|
|
4,751,083 |
|
|
|
110,954 |
(2) |
|
Other consumer
|
|
|
7,644 |
|
|
|
2,458 |
|
|
|
1,808 |
|
|
|
11,910 |
|
|
|
512,414 |
|
|
|
524,324 |
|
|
|
1,808 |
|
December 31, 2010
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
90 or more |
|
| |
|
Past Due |
|
|
|
|
|
|
Total Loans and |
|
|
days past due |
|
| (dollar amounts in thousands) |
|
30-59 Days |
|
|
60-89 Days |
|
|
90 or more days |
|
|
Total |
|
|
Current |
|
|
Leases |
|
|
and accruing |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
16,393 |
|
|
$ |
9,084 |
|
|
$ |
80,114 |
|
|
$ |
105,591 |
|
|
$ |
3,717,872 |
|
|
$ |
3,823,463 |
|
|
$ |
— |
|
|
Other commercial and industrial
|
|
|
34,723 |
|
|
|
35,698 |
|
|
|
110,491 |
|
|
|
180,912 |
|
|
|
9,058,918 |
|
|
|
9,239,830 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
51,116 |
|
|
$ |
44,782 |
|
|
$ |
190,605 |
|
|
$ |
286,503 |
|
|
$ |
12,776,790 |
|
|
$ |
13,063,293 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
23,726 |
|
|
$ |
694 |
|
|
$ |
72,856 |
|
|
$ |
97,276 |
|
|
$ |
1,664,941 |
|
|
$ |
1,762,217 |
|
|
$ |
— |
|
|
Multi family
|
|
|
8,993 |
|
|
|
8,227 |
|
|
|
31,519 |
|
|
|
48,739 |
|
|
|
1,072,877 |
|
|
|
1,121,616 |
|
|
|
— |
|
|
Office
|
|
|
20,888 |
|
|
|
6,032 |
|
|
|
36,401 |
|
|
|
63,321 |
|
|
|
1,059,806 |
|
|
|
1,123,127 |
|
|
|
— |
|
|
Industrial and warehouse
|
|
|
4,073 |
|
|
|
7,782 |
|
|
|
13,006 |
|
|
|
24,861 |
|
|
|
828,091 |
|
|
|
852,952 |
|
|
|
— |
|
|
Other commercial real estate
|
|
|
45,792 |
|
|
|
9,243 |
|
|
|
91,718 |
|
|
|
146,753 |
|
|
|
1,644,491 |
|
|
|
1,791,244 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
103,472 |
|
|
$ |
31,978 |
|
|
$ |
245,500 |
|
|
$ |
380,950 |
|
|
$ |
6,270,206 |
|
|
$ |
6,651,156 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
47,981 |
|
|
|
12,246 |
|
|
$ |
7,721 |
|
|
$ |
67,948 |
|
|
$ |
5,546,763 |
|
|
$ |
5,614,711 |
|
|
$ |
7,721 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
14,810 |
|
|
|
8,166 |
|
|
|
18,630 |
|
|
|
41,606 |
|
|
|
2,999,146 |
|
|
|
3,040,752 |
|
|
|
7,972 |
|
|
Secured by second-lien
|
|
|
36,488 |
|
|
|
16,551 |
|
|
|
27,392 |
|
|
|
80,431 |
|
|
|
4,591,971 |
|
|
|
4,672,402 |
|
|
|
15,525 |
|
|
Residential mortgage
|
|
|
115,290 |
|
|
|
57,580 |
|
|
|
197,280 |
|
|
|
370,150 |
|
|
|
4,130,216 |
|
|
|
4,500,366 |
|
|
|
152,271 |
(3) |
|
Other consumer
|
|
|
7,204 |
|
|
|
2,280 |
|
|
|
2,456 |
|
|
|
11,940 |
|
|
|
551,887 |
|
|
|
563,827 |
|
|
|
2,456 |
|
| |
|
|
| (1) |
|
NALs are included in this aging analysis based on the loan’s past due status. |
| |
| (2) |
|
Includes $76,979 thousand guaranteed by the U.S. government. |
| |
| (3) |
|
Includes $98,288 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 six-month periods ended June 30, 2011:
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Commercial |
|
|
Commercial |
|
|
|
|
|
|
Home |
|
|
Residential |
|
|
Other |
|
|
|
|
| (dollar amounts in thousands) |
|
and Industrial |
|
|
Real Estate |
|
|
Automobile |
|
|
Equity |
|
|
Mortgage |
|
|
Consumer |
|
|
Total |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three-month period ended June 30, 2011:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, beginning of period
|
|
$ |
299,563 |
|
|
$ |
511,068 |
|
|
$ |
50,862 |
|
|
$ |
149,371 |
|
|
$ |
96,741 |
|
|
$ |
25,621 |
|
|
$ |
1,133,226 |
|
|
Loan charge-offs
|
|
|
(28,230 |
) |
|
|
(40,723 |
) |
|
|
(6,877 |
) |
|
|
(27,359 |
) |
|
|
(17,330 |
) |
|
|
(8,182 |
) |
|
|
(128,701 |
) |
|
Recoveries of loans previously
charged-off
|
|
|
9,526 |
|
|
|
13,128 |
|
|
|
4,622 |
|
|
|
1,918 |
|
|
|
875 |
|
|
|
1,098 |
|
|
|
31,167 |
|
|
Provision for loan and lease losses
|
|
|
157 |
|
|
|
(19,599 |
) |
|
|
6,821 |
|
|
|
22,514 |
|
|
|
20,220 |
|
|
|
6,835 |
|
|
|
36,948 |
|
|
Allowance for loans sold or
transferred to loans held for sale
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(1,514 |
) |
|
|
— |
|
|
|
(1,514 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, end of period
|
|
$ |
281,016 |
|
|
$ |
463,874 |
|
|
$ |
55,428 |
|
|
$ |
146,444 |
|
|
$ |
98,992 |
|
|
$ |
25,372 |
|
|
$ |
1,071,126 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, beginning of period
|
|
$ |
30,706 |
|
|
$ |
8,433 |
|
|
$ |
— |
|
|
$ |
2,241 |
|
|
$ |
1 |
|
|
$ |
830 |
|
|
$ |
42,211 |
|
|
Provision for unfunded loan
commitments and letters of credit
|
|
|
635 |
|
|
|
(1,801 |
) |
|
|
— |
|
|
|
8 |
|
|
|
— |
|
|
|
7 |
|
|
|
(1,151 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, end of period
|
|
$ |
31,341 |
|
|
$ |
6,632 |
|
|
$ |
— |
|
|
$ |
2,249 |
|
|
$ |
1 |
|
|
$ |
837 |
|
|
$ |
41,060 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ACL balance, end of period
|
|
$ |
312,357 |
|
|
$ |
470,506 |
|
|
$ |
55,428 |
|
|
$ |
148,693 |
|
|
$ |
98,993 |
|
|
$ |
26,209 |
|
|
$ |
1,112,186 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Six-month period ended June 30, 2011:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, beginning of period
|
|
$ |
340,614 |
|
|
$ |
588,251 |
|
|
$ |
49,488 |
|
|
$ |
150,630 |
|
|
$ |
93,289 |
|
|
$ |
26,736 |
|
|
$ |
1,249,008 |
|
|
Loan charge-offs
|
|
|
(81,965 |
) |
|
|
(117,371 |
) |
|
|
(16,852 |
) |
|
|
(55,682 |
) |
|
|
(40,351 |
) |
|
|
(15,487 |
) |
|
|
(327,708 |
) |
|
Recoveries of loans previously
charged-off
|
|
|
21,070 |
|
|
|
22,093 |
|
|
|
9,885 |
|
|
|
3,526 |
|
|
|
4,964 |
|
|
|
3,553 |
|
|
|
65,091 |
|
|
Provision for loan and lease losses
|
|
|
1,297 |
|
|
|
(29,099 |
) |
|
|
12,907 |
|
|
|
47,970 |
|
|
|
42,604 |
|
|
|
10,570 |
|
|
|
86,249 |
|
|
Allowance for loans sold or
transferred to loans held for sale
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(1,514 |
) |
|
|
— |
|
|
|
(1,514 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, end of period
|
|
$ |
281,016 |
|
|
$ |
463,874 |
|
|
$ |
55,428 |
|
|
$ |
146,444 |
|
|
$ |
98,992 |
|
|
$ |
25,372 |
|
|
$ |
1,071,126 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, beginning of period
|
|
$ |
32,726 |
|
|
$ |
6,158 |
|
|
$ |
— |
|
|
$ |
2,348 |
|
|
$ |
1 |
|
|
$ |
894 |
|
|
$ |
42,127 |
|
|
Provision for unfunded loan
commitments and letters of credit
|
|
|
(1,385 |
) |
|
|
474 |
|
|
|
— |
|
|
|
(99 |
) |
|
|
— |
|
|
|
(57 |
) |
|
|
(1,067 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, end of period
|
|
$ |
31,341 |
|
|
$ |
6,632 |
|
|
$ |
— |
|
|
$ |
2,249 |
|
|
$ |
1 |
|
|
$ |
837 |
|
|
$ |
41,060 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ACL balance, end of period
|
|
$ |
312,357 |
|
|
$ |
470,506 |
|
|
$ |
55,428 |
|
|
$ |
148,693 |
|
|
$ |
98,993 |
|
|
$ |
26,209 |
|
|
$ |
1,112,186 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Loan and lease balances by credit quality indicator |
The following table presents loan and lease balances by credit quality indicator:
June 30, 2011
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Credit Risk Profile by UCS classification |
|
| (dollar amounts in millions) |
|
Pass |
|
|
OLEM |
|
|
Substandard |
|
|
Doubtful |
|
|
Total |
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
3,407 |
|
|
$ |
121 |
|
|
$ |
341 |
|
|
$ |
1 |
|
|
$ |
3,870 |
|
|
Other commercial and industrial
|
|
|
9,022 |
|
|
|
203 |
|
|
|
442 |
|
|
|
7 |
|
|
|
9,674 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
12,429 |
|
|
$ |
324 |
|
|
$ |
783 |
|
|
$ |
8 |
|
|
$ |
13,544 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
1,382 |
|
|
$ |
101 |
|
|
$ |
195 |
|
|
$ |
— |
|
|
$ |
1,678 |
|
|
Multi family
|
|
|
878 |
|
|
|
60 |
|
|
|
121 |
|
|
|
— |
|
|
|
1,059 |
|
|
Office
|
|
|
835 |
|
|
|
99 |
|
|
|
83 |
|
|
|
— |
|
|
|
1,017 |
|
|
Industrial and warehouse
|
|
|
650 |
|
|
|
32 |
|
|
|
91 |
|
|
|
— |
|
|
|
773 |
|
|
Other commercial real estate
|
|
|
1,154 |
|
|
|
126 |
|
|
|
355 |
|
|
|
2 |
|
|
|
1,637 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
4,899 |
|
|
$ |
418 |
|
|
$ |
845 |
|
|
$ |
2 |
|
|
$ |
6,164 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Credit Risk Profile by FICO score (1) |
|
| |
|
750+ |
|
|
650-749 |
|
|
<650 |
|
|
Other (2) |
|
|
Total |
|
|
Automobile
|
|
$ |
2,889 |
|
|
$ |
2,489 |
|
|
$ |
689 |
|
|
$ |
123 |
|
|
$ |
6,190 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
1,916 |
|
|
|
1,166 |
|
|
|
306 |
|
|
|
10 |
|
|
|
3,398 |
|
|
Secured by second-lien
|
|
|
2,192 |
|
|
|
1,719 |
|
|
|
642 |
|
|
|
1 |
|
|
|
4,554 |
|
|
Residential mortgage
|
|
|
2,205 |
|
|
|
1,635 |
|
|
|
743 |
|
|
|
168 |
|
|
|
4,751 |
|
|
Other consumer
|
|
|
197 |
|
|
|
221 |
|
|
|
90 |
|
|
|
16 |
|
|
|
524 |
|
December 31, 2010
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Credit Risk Profile by UCS classification |
|
| (dollar amounts in millions) |
|
Pass |
|
|
OLEM |
|
|
Substandard |
|
|
Doubtful |
|
|
Total |
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
3,265 |
|
|
$ |
159 |
|
|
$ |
393 |
|
|
$ |
6 |
|
|
$ |
3,823 |
|
|
Other commercial and industrial
|
|
|
8,435 |
|
|
|
265 |
|
|
|
525 |
|
|
|
15 |
|
|
|
9,240 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
11,700 |
|
|
$ |
424 |
|
|
$ |
918 |
|
|
$ |
21 |
|
|
$ |
13,063 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
1,284 |
|
|
$ |
128 |
|
|
$ |
350 |
|
|
$ |
— |
|
|
$ |
1,762 |
|
|
Multi family
|
|
|
899 |
|
|
|
79 |
|
|
|
144 |
|
|
|
— |
|
|
|
1,122 |
|
|
Office
|
|
|
868 |
|
|
|
122 |
|
|
|
133 |
|
|
|
— |
|
|
|
1,123 |
|
|
Industrial and warehouse
|
|
|
668 |
|
|
|
72 |
|
|
|
113 |
|
|
|
— |
|
|
|
853 |
|
|
Other commercial real estate
|
|
|
1,221 |
|
|
|
88 |
|
|
|
481 |
|
|
|
1 |
|
|
|
1,791 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
4,940 |
|
|
$ |
489 |
|
|
$ |
1,221 |
|
|
$ |
1 |
|
|
$ |
6,651 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Credit Risk Profile by FICO score (1) |
|
| |
|
750+ |
|
|
650-749 |
|
|
<650 |
|
|
Other (2) |
|
|
Total |
|
|
Automobile
|
|
$ |
2,516 |
|
|
$ |
2,267 |
|
|
$ |
725 |
|
|
$ |
107 |
|
|
$ |
5,615 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
1,644 |
|
|
|
1,082 |
|
|
|
314 |
|
|
|
1 |
|
|
|
3,041 |
|
|
Secured by second-lien
|
|
|
2,224 |
|
|
|
1,768 |
|
|
|
679 |
|
|
|
1 |
|
|
|
4,672 |
|
|
Residential mortgage
|
|
|
1,978 |
|
|
|
1,580 |
|
|
|
796 |
|
|
|
146 |
|
|
|
4,500 |
|
|
Other consumer
|
|
|
207 |
|
|
|
235 |
|
|
|
102 |
|
|
|
20 |
|
|
|
564 |
|
| |
|
|
| (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 table presents summarized data for impaired loans and the related ALLL by
portfolio segment:
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Commercial and |
|
|
Commercial |
|
|
|
|
|
|
|
|
|
|
Residential |
|
|
Other |
|
|
|
|
| |
|
Industrial |
|
|
Real Estate |
|
|
Automobile |
|
|
Home Equity |
|
|
Mortgage |
|
|
Consumer |
|
|
Total |
|
|
ALLL at June 30, 2011:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(dollar amounts in thousands)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portion of ending balance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Attributable to
loans individually
evaluated for
impairment
|
|
$ |
36,307 |
|
|
$ |
61,445 |
|
|
$ |
994 |
|
|
$ |
1,511 |
|
|
$ |
14,974 |
|
|
$ |
527 |
|
|
$ |
115,758 |
|
|
Attributable to
loans collectively
evaluated for
impairment
|
|
|
244,709 |
|
|
|
402,429 |
|
|
|
54,434 |
|
|
|
144,933 |
|
|
|
84,018 |
|
|
|
24,845 |
|
|
|
955,368 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total ALLL balance at June 30, 2011
|
|
$ |
281,016 |
|
|
$ |
463,874 |
|
|
$ |
55,428 |
|
|
$ |
146,444 |
|
|
$ |
98,992 |
|
|
$ |
25,372 |
|
|
$ |
1,071,126 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL associated with portfolio loans
acquired with deteriorated credit
quality
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and Leases at June 30, 2011:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(dollar amounts in thousands)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portion of loans and leases at June
30, 2011:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually
evaluated for
impairment
|
|
|
165,909 |
|
|
|
394,930 |
|
|
|
29,059 |
|
|
|
37,067 |
|
|
|
334,150 |
|
|
|
8,910 |
|
|
|
970,025 |
|
|
Collectively
evaluated for
impairment
|
|
|
13,378,457 |
|
|
|
5,769,154 |
|
|
|
6,161,186 |
|
|
|
7,915,283 |
|
|
|
4,416,933 |
|
|
|
515,414 |
|
|
|
38,156,427 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total loans evaluated for impairment
|
|
$ |
13,544,366 |
|
|
$ |
6,164,084 |
|
|
$ |
6,190,245 |
|
|
$ |
7,952,350 |
|
|
$ |
4,751,083 |
|
|
$ |
524,324 |
|
|
$ |
39,126,452 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portfolio loans acquired with
deteriorated credit quality
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Commercial and |
|
|
Commercial |
|
|
|
|
|
|
|
|
|
|
Residential |
|
|
Other |
|
|
|
|
| |
|
Industrial |
|
|
Real Estate |
|
|
Automobile |
|
|
Home Equity |
|
|
Mortgage |
|
|
Consumer |
|
|
Total |
|
|
ALLL at December 31, 2010
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(dollar amounts in thousands)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portion of ALLL balance at December 31, 2010:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Attributable to loans individually
evaluated for impairment
|
|
$ |
63,307 |
|
|
$ |
65,130 |
|
|
$ |
1,477 |
|
|
$ |
1,498 |
|
|
$ |
11,780 |
|
|
$ |
668 |
|
|
$ |
143,860 |
|
|
Attributable to loans collectively
evaluated for impairment
|
|
|
277,307 |
|
|
|
523,121 |
|
|
|
48,011 |
|
|
|
149,132 |
|
|
|
81,509 |
|
|
|
26,068 |
|
|
|
1,105,148 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance at December 31, 2010:
|
|
$ |
340,614 |
|
|
$ |
588,251 |
|
|
$ |
49,488 |
|
|
$ |
150,630 |
|
|
$ |
93,289 |
|
|
$ |
26,736 |
|
|
$ |
1,249,008 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL associated with portfolio loans acquired with
deteriorated credit quality
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans and Leases at December 31, 2010:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(dollar amounts in thousands)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portion of loans and leases at December 31, 2010:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually evaluated for impairment
|
|
|
198,120 |
|
|
|
310,668 |
|
|
|
29,764 |
|
|
|
37,257 |
|
|
|
334,207 |
|
|
|
9,565 |
|
|
|
919,581 |
|
|
Collectively evaluated for impairment
|
|
|
12,865,173 |
|
|
|
6,340,488 |
|
|
|
5,584,947 |
|
|
|
7,675,897 |
|
|
|
4,166,159 |
|
|
|
554,262 |
|
|
|
37,186,926 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total loans evaluated for impairment
|
|
$ |
13,063,293 |
|
|
$ |
6,651,156 |
|
|
$ |
5,614,711 |
|
|
$ |
7,713,154 |
|
|
$ |
4,500,366 |
|
|
$ |
563,827 |
|
|
$ |
38,106,507 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Portfolio loans acquired with deteriorated credit quality
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
| Detailed impaired loan information by class |
The following tables present detailed impaired loan information by class: (1),
(2)
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Three Months Ended |
|
|
Six Months Ended |
|
| |
|
June 30, 2011 |
|
|
June 30, 2011 |
|
|
June 30, 2011 |
|
| |
|
|
|
|
|
Unpaid |
|
|
|
|
|
|
|
|
|
|
Interest |
|
|
|
|
|
|
Interest |
|
| |
|
Ending |
|
|
Principal |
|
|
Related |
|
|
Average |
|
|
Income |
|
|
Average |
|
|
Income |
|
| (dollar amounts in thousands) |
|
Balance |
|
|
Balance |
|
|
Allowance |
|
|
Balance |
|
|
Recognized |
|
|
Balance |
|
|
Recognized |
|
|
|
|
|
|
|
|
|
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
1,762 |
|
|
$ |
1,976 |
|
|
$ |
— |
|
|
$ |
4,863 |
|
|
$ |
11 |
|
|
$ |
8,540 |
|
|
$ |
17 |
|
|
Other commercial and industrial
|
|
|
4,511 |
|
|
|
4,740 |
|
|
|
— |
|
|
|
6,303 |
|
|
|
86 |
|
|
|
7,491 |
|
|
|
125 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
6,273 |
|
|
$ |
6,716 |
|
|
$ |
— |
|
|
$ |
11,166 |
|
|
$ |
97 |
|
|
$ |
16,031 |
|
|
$ |
142 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
24,501 |
|
|
$ |
40,136 |
|
|
$ |
— |
|
|
$ |
13,465 |
|
|
$ |
13 |
|
|
$ |
16,790 |
|
|
$ |
13 |
|
|
Multi family
|
|
|
13,788 |
|
|
|
14,348 |
|
|
|
— |
|
|
|
14,401 |
|
|
|
155 |
|
|
|
11,332 |
|
|
|
311 |
|
|
Office
|
|
|
3,305 |
|
|
|
3,639 |
|
|
|
— |
|
|
|
1,937 |
|
|
|
— |
|
|
|
1,935 |
|
|
|
— |
|
|
Industrial and warehouse
|
|
|
3,940 |
|
|
|
3,952 |
|
|
|
— |
|
|
|
2,383 |
|
|
|
5 |
|
|
|
2,584 |
|
|
|
5 |
|
|
Other commercial real estate
|
|
|
32,347 |
|
|
|
66,065 |
|
|
|
— |
|
|
|
25,637 |
|
|
|
161 |
|
|
|
25,202 |
|
|
|
358 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
77,881 |
|
|
$ |
128,140 |
|
|
$ |
— |
|
|
$ |
57,823 |
|
|
$ |
334 |
|
|
$ |
57,843 |
|
|
$ |
687 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Secured by second-lien
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Residential mortgage
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Other consumer
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
57,220 |
|
|
$ |
82,153 |
|
|
$ |
11,025 |
|
|
$ |
57,007 |
|
|
$ |
648 |
|
|
$ |
64,712 |
|
|
$ |
862 |
|
|
Other commercial and industrial
|
|
|
102,416 |
|
|
|
139,282 |
|
|
|
25,282 |
|
|
|
97,528 |
|
|
|
824 |
|
|
|
106,087 |
|
|
|
1,301 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
159,636 |
|
|
$ |
221,435 |
|
|
$ |
36,307 |
|
|
$ |
154,535 |
|
|
$ |
1,472 |
|
|
$ |
170,799 |
|
|
$ |
2,163 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
89,801 |
|
|
$ |
115,219 |
|
|
$ |
14,826 |
|
|
$ |
101,804 |
|
|
$ |
731 |
|
|
$ |
94,802 |
|
|
$ |
1,111 |
|
|
Multi family
|
|
|
26,070 |
|
|
|
30,532 |
|
|
|
4,449 |
|
|
|
28,600 |
|
|
|
264 |
|
|
|
33,078 |
|
|
|
495 |
|
|
Office
|
|
|
24,996 |
|
|
|
41,298 |
|
|
|
4,686 |
|
|
|
29,746 |
|
|
|
37 |
|
|
|
29,210 |
|
|
|
143 |
|
|
Industrial and warehouse
|
|
|
59,781 |
|
|
|
69,742 |
|
|
|
14,418 |
|
|
|
44,774 |
|
|
|
251 |
|
|
|
40,595 |
|
|
|
422 |
|
|
Other commercial real estate
|
|
|
116,401 |
|
|
|
151,593 |
|
|
|
23,066 |
|
|
|
83,647 |
|
|
|
542 |
|
|
|
76,843 |
|
|
|
637 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
317,049 |
|
|
$ |
408,384 |
|
|
$ |
61,445 |
|
|
$ |
288,571 |
|
|
$ |
1,825 |
|
|
$ |
274,528 |
|
|
$ |
2,808 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
29,059 |
|
|
$ |
29,059 |
|
|
$ |
994 |
|
|
$ |
29,335 |
|
|
$ |
647 |
|
|
$ |
29,478 |
|
|
$ |
1,307 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
22,835 |
|
|
|
22,835 |
|
|
|
678 |
|
|
|
22,851 |
|
|
|
236 |
|
|
|
22,085 |
|
|
|
462 |
|
|
Secured by second-lien
|
|
|
14,232 |
|
|
|
14,232 |
|
|
|
833 |
|
|
|
15,542 |
|
|
|
176 |
|
|
|
15,930 |
|
|
|
363 |
|
|
Residential mortgage
|
|
|
334,150 |
|
|
|
356,418 |
|
|
|
14,974 |
|
|
|
342,576 |
|
|
|
3,353 |
|
|
|
338,535 |
|
|
|
6,810 |
|
|
Other consumer
|
|
|
8,910 |
|
|
|
8,910 |
|
|
|
527 |
|
|
|
9,041 |
|
|
|
161 |
|
|
|
9,216 |
|
|
|
332 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
December 31, 2010 |
|
| |
|
|
|
|
|
Unpaid |
|
|
|
|
| |
|
Ending |
|
|
Principal |
|
|
Related |
|
| (dollar amounts in thousands) |
|
Balance |
|
|
Balance |
|
|
Allowance |
|
|
|
|
|
|
|
|
|
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
13,750 |
|
|
$ |
26,603 |
|
|
$ |
— |
|
|
Other commercial and industrial
|
|
|
11,127 |
|
|
|
22,688 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
24,877 |
|
|
$ |
49,291 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
31,972 |
|
|
$ |
67,487 |
|
|
$ |
— |
|
|
Multi family
|
|
|
5,058 |
|
|
|
5,675 |
|
|
|
— |
|
|
Office
|
|
|
2,270 |
|
|
|
3,562 |
|
|
|
— |
|
|
Industrial and warehouse
|
|
|
3,305 |
|
|
|
6,912 |
|
|
|
— |
|
|
Other commercial real estate
|
|
|
26,807 |
|
|
|
58,996 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
69,412 |
|
|
$ |
142,632 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Secured by second-lien
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Residential mortgage
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
Other consumer
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner occupied
|
|
$ |
63,951 |
|
|
$ |
85,279 |
|
|
$ |
14,322 |
|
|
Other commercial and industrial
|
|
|
109,292 |
|
|
|
154,424 |
|
|
|
48,986 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial and industrial
|
|
$ |
173,243 |
|
|
$ |
239,703 |
|
|
$ |
63,308 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Retail properties
|
|
$ |
74,732 |
|
|
$ |
120,051 |
|
|
$ |
14,846 |
|
|
Multi family
|
|
|
38,758 |
|
|
|
39,299 |
|
|
|
7,760 |
|
|
Office
|
|
|
26,595 |
|
|
|
31,261 |
|
|
|
9,466 |
|
|
Industrial and warehouse
|
|
|
34,588 |
|
|
|
44,168 |
|
|
|
10,453 |
|
|
Other commercial real estate
|
|
|
66,583 |
|
|
|
104,485 |
|
|
|
22,604 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total commercial real estate
|
|
$ |
241,256 |
|
|
$ |
339,264 |
|
|
$ |
65,129 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
$ |
29,764 |
|
|
$ |
29,764 |
|
|
$ |
1,477 |
|
|
Home equity:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Secured by first-lien
|
|
|
20,553 |
|
|
|
20,675 |
|
|
|
511 |
|
|
Secured by second-lien
|
|
|
16,704 |
|
|
|
17,060 |
|
|
|
987 |
|
|
Residential mortgage
|
|
|
334,207 |
|
|
|
347,571 |
|
|
|
11,780 |
|
|
Other consumer
|
|
|
9,565 |
|
|
|
9,565 |
|
|
|
668 |
|
| |
|
|
| (1) |
|
These tables do not include loans fully charged-off. |
| |
| (2) |
|
All automobile, home equity, residential mortgage, and other consumer impaired loans included
in the tables below are considered impaired due to their status as a TDR. |
|