Huntington Bancshares Incorporated Quarterly report pursuant to Section 13 or 15(d)

Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

Loans and Leases and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2012

Loans / Leases and Allowance for Credit Losses [Abstract]

The following table provides a detailed listing of Huntington's loan and lease portfolio at March 31, 2012, December 31, 2011, and March 31, 2011:

				March 31,		December 31,		March 31,
(dollar amounts in thousands)				2012		2011		2011

Loans and leases: (1)
		Commercial and industrial	$	15,838,045	$	14,699,371	$	13,298,855
		Commercial real estate		6,039,945		5,825,709		6,298,255
		Automobile		4,786,842		4,457,446		5,802,597
		Home equity		8,261,402		8,215,413		7,783,370
		Residential mortgage		5,284,437		5,228,276		4,517,047
		Other consumer		467,871		497,568		545,712
	Loans and leases			40,678,542		38,923,783		38,245,836
	Allowance for loan and lease losses			(913,069)		(964,828)		(1,133,226)
Net loans and leases			$	39,765,473	$	37,958,955	$	37,112,610

(1)	March 31, 2012, includes $520,564 thousand of loans and leases recorded at fair value acquired in the FDIC-assisted Fidelity Bank acquisition on March 30, 2012.

Loan Purchases and Sales

The following table summarizes significant portfolio loan and lease purchase and sale activity for the three-month periods ended March 31, 2012 and 2011:


		Commercial		Commercial				Home		Residential		Other
		and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Portfolio loans and leases purchased during the:
	Three-month period ended March 31, 2012	$	477,501	$	378,122	$	---	$	13,025	$	62,324	$	85	$	931,057

	Three-month period ended March 31, 2011	$	---	$	---	$	---	$	---	$	---	$	---	$	---

Portfolio loans and leases sold or transferred to loans held for sale during the:
	Three-month period ended March 31, 2012	$	53,447	$	21,469	$	1,300,000	$	---	$	---	$	---	$	1,374,916

	Three-month period ended March 31, 2011	$	85,998	$	47,794	$	---	$	---	$	83,542	$	---	$	217,334

NALs and Past Due Loans

The following table presents NALs by loan class at March 31, 2012, December 31, 2011, and March 31, 2011:

			2012	2011
(dollar amounts in thousands)			March 31,		December 31,		March 31,

Commercial and industrial:
	Owner occupied	$	71,165	$	88,415	$	141,042
	Other commercial and industrial		71,327		113,431		119,355
Total commercial and industrial			142,492		201,846		260,397

Commercial real estate:
	Retail properties		49,631		58,415		74,775
	Multi family		36,621		39,921		41,619
	Office		28,809		33,202		43,203
	Industrial and warehouse		17,862		30,119		37,188
	Other commercial real estate		72,182		68,232		109,008
Total commercial real estate			205,105		229,889		305,793

Automobile			---		---		---
Home equity:
	Secured by first-lien		19,074		20,012		11,345
	Secured by second-lien		26,773		20,675		13,910
Residential mortgage			74,114		68,658		44,812
Other consumer			---		---		---
Total nonaccrual loans (1)		$	467,558	$	541,080	$	636,257

(1)	All loans acquired as part of the FDIC-assisted Fidelity Bank acquisition accrue interest as performing loans or as purchase impaired loans in accordance with ASC 310-30; therefore, none of the acquired loans were reported as nonaccrual at March 31, 2012.

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 March 31, 2012, December 31, 2011, and March 31, 2011: (1), (2)

March 31, 2012
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing

Commercial and industrial:
	Owner occupied	$	12,820	$	5,308	$	50,524	$	68,652	$	4,052,841	$	4,121,493	$	---
	Other commercial and industrial		12,855		6,281		34,998		54,134		11,595,410		11,649,544		---
Total commercial and industrial		$	25,675	$	11,589	$	85,522	$	122,786	$	15,648,251	$	15,771,037	$	---

Commercial real estate:
	Retail properties	$	35,793	$	5,418	$	37,480	$	78,691	$	1,471,619	$	1,550,310	$	---
	Multi family		4,609		2,769		26,111		33,489		866,152		899,641		---
	Office		1,305		1,237		26,156		28,698		1,015,531		1,044,229		---
	Industrial and warehouse		---		---		5,428		5,428		680,426		685,854		---
	Other commercial real estate		5,408		2,926		35,039		43,373		1,438,416		1,481,789		---
Total commercial real estate		$	47,115	$	12,350	$	130,214	$	189,679	$	5,472,144	$	5,661,823	$	---

Automobile		$	25,016		5,578	$	3,873	$	34,467	$	4,752,375	$	4,786,842	$	3,873
Home equity:
	Secured by first-lien		16,117		7,120		27,856		51,093		3,915,782		3,966,875		8,782
	Secured by second-lien		28,384		13,209		29,135		70,728		4,210,774		4,281,502		11,080
Residential mortgage			145,459		50,463		198,401		394,323		4,827,790		5,222,113		130,164⁽³⁾
Other consumer			5,403		1,738		1,218		8,359		459,427		467,786		1,218

December 31, 2011
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing

Commercial and industrial:
	Owner occupied	$	10,607	$	7,433	$	58,513	$	76,553	$	3,936,203	$	4,012,756	$	---
	Other commercial and industrial		32,962		7,579		60,833		101,374		10,585,241		10,686,615		---
Total commercial and industrial		$	43,569	$	15,012	$	119,346	$	177,927	$	14,521,444	$	14,699,371	$	---

Commercial real estate:
	Retail properties	$	3,090	$	823	$	33,952	$	37,865	$	1,547,618	$	1,585,483	$	---
	Multi family		5,022		1,768		28,317		35,107		908,438		943,545		---
	Office		3,134		792		30,041		33,967		990,897		1,024,864		---
	Industrial and warehouse		2,834		115		18,203		21,152		708,390		729,542		---
	Other commercial real estate		6,894		3,625		48,739		59,258		1,483,017		1,542,275		---
Total commercial real estate		$	20,974	$	7,123	$	159,252	$	187,349	$	5,638,360	$	5,825,709	$	---

Automobile		$	42,162	$	9,046	$	6,265	$	57,473	$	4,399,973	$	4,457,446	$	6,265
Home equity:
	Secured by first-lien		17,260		8,822		29,259		55,341		3,760,238		3,815,579		9,247
	Secured by second-lien		32,334		18,357		31,626		82,317		4,317,517		4,399,834		10,951
Residential mortgage			134,228		45,774		204,648		384,650		4,843,626		5,228,276		141,901⁽⁴⁾
Other consumer			7,655		1,502		1,988		11,145		486,423		497,568		1,988

March 31, 2011
														90 or more
(dollar amounts in thousands)			Past Due									Total Loans		days past due
		30-59 Days		60-89 Days		90 or more days		Total		Current		and Leases		and accruing

Commercial and industrial:
	Owner occupied	$	16,595	$	14,056	$	70,871	$	101,522	$	3,759,155	$	3,860,677	$	---
	Other commercial and industrial		33,424		12,161		86,706		132,291		9,305,887		9,438,178		---
Total commercial and industrial		$	50,019	$	26,217	$	157,577	$	233,813	$	13,065,042	$	13,298,855	$	---

Commercial real estate:
	Retail properties	$	35,644	$	1,249	$	48,919	$	85,812	$	1,608,701	$	1,694,513	$	---
	Multi family		9,393		2,804		30,978		43,175		1,028,971		1,072,146		---
	Office		14,155		1,382		38,191		53,728		994,578		1,048,306		---
	Industrial and warehouse		6,838		3,062		15,146		25,046		765,585		790,631		---
	Other commercial real estate		26,966		13,905		83,356		124,227		1,568,432		1,692,659		---
Total commercial real estate		$	92,996	$	22,402	$	216,590	$	331,988	$	5,966,267	$	6,298,255	$	---

Automobile		$	37,775	$	8,374	$	5,440	$	51,589	$	5,751,008	$	5,802,597	$	5,440
Home equity:
	Secured by first-lien		16,323		8,562		21,853		46,738		3,146,963		3,193,701		10,508
	Secured by second-lien		31,336		13,560		27,532		72,428		4,517,241		4,589,669		13,622
Residential mortgage			121,190		39,062		181,010		341,262		4,175,785		4,517,047		136,298⁽⁵⁾
Other consumer			7,067		1,985		2,038		11,090		534,622		545,712		2,138

(1)	NALs are included in this aging analysis based on the loan's past due status.
(2)	March 31, 2012, excludes $520,564 thousand of loans and leases acquired in the FDIC-assisted Fidelity Bank acquisition on March 30, 2012.
(3)	Includes $94,560 thousand guaranteed by the U.S. government.
(4)	Includes $96,703 thousand guaranteed by the U.S. government.
(5)	Includes $94,440 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 periods ended March 31, 2012 and 2011:

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Three-month period ended March 31, 2012: (1)

	ALLL balance, beginning of period		$	275,367	$	388,706	$	38,282	$	143,873	$	87,194	$	31,406	$	964,828
		Loan charge-offs		(33,506)		(21,402)		(7,610)		(25,265)		(11,745)		(8,432)		(107,960)
		Recoveries of loans previously charged-off		5,011		10,896		4,532		1,536		1,175		1,818		24,968
		Provision for loan and lease losses		(846)		(38,706)		2,043		48,754		12,505		8,178		31,928
		Allowance for loans sold or transferred to loans held for sale		---		---		(695)		---		---		---		(695)

	ALLL balance, end of period		$	246,026	$	339,494	$	36,552	$	168,898	$	89,129	$	32,970	$	913,069

	AULC balance, beginning of period		$	39,658	$	5,852	$	---	$	2,134	$	1	$	811	$	48,456
		Provision for unfunded loan commitments and letters of credit		2,618		(72)		---		(26)		---		(42)		2,478

	AULC balance, end of period		$	42,276	$	5,780	$	---	$	2,108	$	1	$	769	$	50,934

	ACL balance, end of period		$	288,302	$	345,274	$	36,552	$	171,006	$	89,130	$	33,739	$	964,003

(1)	In accordance with ASC 805, no allowance for credit losses was recorded for the loans acquired in the FDIC-assisted Fidelity Bank acquisition.

			Commercial		Commercial				Home		Residential		Other
			and Industrial		Real Estate		Automobile		Equity		Mortgage		Consumer		Total
(dollar amounts in thousands)

Three-month period ended March 31, 2011:

	ALLL balance, beginning of period		$	340,614	$	588,251	$	49,488	$	150,630	$	93,289	$	26,736	$	1,249,008
		Loan charge-offs		(53,736)		(76,648)		(9,975)		(28,322)		(23,021)		(7,305)		(199,007)
		Recoveries of loans previously charged-off		11,544		8,965		5,263		1,608		4,089		2,455		33,924
		Provision for loan and lease losses		1,141		(9,500)		6,086		25,455		22,384		3,735		49,301
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		---		---		---

	ALLL balance, end of period		$	299,563	$	511,068	$	50,862	$	149,371	$	96,741	$	25,621	$	1,133,226

	AULC balance, beginning of period		$	32,726	$	6,158	$	---	$	2,348	$	1	$	894	$	42,127
		Provision for unfunded loan commitments and letters of credit		(2,020)		2,275		---		(107)		---		(64)		84

	AULC balance, end of period		$	30,706	$	8,433	$	---	$	2,241	$	1	$	830	$	42,211

	ACL balance, end of period		$	330,269	$	519,501	$	50,862	$	151,612	$	96,742	$	26,451	$	1,175,437

Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at March 31, 2012, December 31, 2011, and March 31, 2011:

		March 31, 2012 (1)
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,754,875	$	107,607	$	257,853	$	1,158	$	4,121,493
	Other commercial and industrial		11,077,669		144,019		424,117		3,739		11,649,544
Total commercial and industrial		$	14,832,544	$	251,626	$	681,970	$	4,897	$	15,771,037

Commercial real estate:
	Retail properties	$	1,192,989	$	82,923	$	274,398	$	---	$	1,550,310
	Multi family		771,062		39,305		89,114		160		899,641
	Office		945,555		32,253		66,418		3		1,044,229
	Industrial and warehouse		614,394		8,611		62,758		91		685,854
	Other commercial real estate		1,103,994		106,089		271,156		550		1,481,789
Total commercial real estate		$	4,627,994	$	269,181	$	763,844	$	804	$	5,661,823

		Credit Risk Profile by FICO score (2)
		750+		650-749		<650		Other (3)		Total
Automobile		$	2,184,671	$	1,865,203	$	635,653	$	101,315	$	4,786,842
Home equity:
	Secured by first-lien		2,268,832		1,352,583		338,310		7,150		3,966,875
	Secured by second-lien		2,025,956		1,628,397		625,303		1,846		4,281,502
Residential mortgage			2,505,638		1,835,951		741,243		139,281		5,222,113
Other consumer			171,990		198,684		78,489		18,623		467,786


		December 31, 2011
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,624,103	$	101,897	$	285,561	$	1,195	$	4,012,756
	Other commercial and industrial		10,108,946		145,963		425,882		5,824		10,686,615
Total commercial and industrial		$	13,733,049	$	247,860	$	711,443	$	7,019	$	14,699,371

Commercial real estate:
	Retail properties	$	1,191,471	$	122,337	$	271,675	$	---	$	1,585,483
	Multi family		801,717		48,094		93,449		285		943,545
	Office		896,230		67,050		61,476		108		1,024,864
	Industrial and warehouse		649,165		9,688		70,621		68		729,542
	Other commercial real estate		1,112,751		110,276		318,479		769		1,542,275
Total commercial real estate		$	4,651,334	$	357,445	$	815,700	$	1,230	$	5,825,709

		Credit Risk Profile by FICO score (2)
		750+		650-749		<650		Other (3)		Total
Automobile		$	2,635,082	$	2,276,990	$	707,141	$	88,233	$	5,707,446	(4)
Home equity:
	Secured by first-lien		2,196,566		1,287,444		329,670		1,899		3,815,579
	Secured by second-lien		2,119,292		1,646,117		625,298		9,127		4,399,834
Residential mortgage			2,454,401		1,752,409		723,377		298,089		5,228,276
Other consumer			185,333		206,749		83,431		22,055		497,568


		March 31, 2011
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	3,358,895	$	143,534	$	356,909	$	1,340	$	3,860,677
	Other commercial and industrial		8,756,730		239,175		430,238		12,035		9,438,178
Total commercial and industrial		$	12,115,625	$	382,709	$	787,147	$	13,375	$	13,298,855

Commercial real estate:
	Retail properties	$	1,292,614	$	88,004	$	313,895	$	---	$	1,694,513
	Multi family		865,378		71,898		134,486		384		1,072,146
	Office		826,034		119,023		103,080		169		1,048,306
	Industrial and warehouse		622,456		70,857		97,481		(163)		790,631
	Other commercial real estate		1,214,139		81,255		395,895		1,370		1,692,659
Total commercial real estate		$	4,820,621	$	431,037	$	1,044,837	$	1,760	$	6,298,255

		Credit Risk Profile by FICO score (2)
		750+		650-749		<650		Other (3)		Total
Automobile		$	2,605,609	$	2,370,657	$	717,090	$	109,241	$	5,802,597
Home equity:
	Secured by first-lien		1,744,699		1,127,451		316,174		5,377		3,193,701
	Secured by second-lien		2,159,005		1,751,943		678,202		519		4,589,669
Residential mortgage			1,976,016		1,620,060		775,089		145,882		4,517,047
Other consumer			199,614		226,940		99,608		19,550		545,712

(1)	Excludes $520,564 thousand of loans and leases acquired in the FDIC-assisted Fidelity Bank acquisition on March 30, 2012.
(2)	Reflects currently updated customer credit scores.
(3)	Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
(4)	Includes $1,250,000 thousand of loans reflected as loans held for sale related to the 2012 first quarter automobile securitization.

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 March 31, 2012, December 31, 2011, and March 31, 2011:


			Commercial		Commercial						Residential		Other
			and Industrial		Real Estate		Automobile		Home Equity		Mortgage		Consumer		Total

ALLL at March 31, 2012:
(dollar amounts in thousands)

	Portion of ending balance:

		Attributable to loans individually evaluated for impairment	$	21,205	$	48,485	$	943	$	1,302	$	12,660	$	418	$	85,013
		Attributable to loans collectively evaluated for impairment		224,821		291,009		35,609		167,596		76,469		32,552		828,056
	Total ALLL balance		$	246,026	$	339,494	$	36,552	$	168,898	$	89,129	$	32,970	$	913,069


Loans and Leases at March 31, 2012:
(dollar amounts in thousands)

	Portion of ending balance:

		Individually evaluated for impairment	$	151,463	$	360,067	$	35,521	$	59,604	$	324,385	$	4,346	$	935,386
		Collectively evaluated for impairment		15,619,574		5,301,756		4,751,321		8,188,773		4,897,728		463,440		39,222,592
	Total loans evaluated for impairment (1)		$	15,771,037	$	5,661,823	$	4,786,842	$	8,248,377	$	5,222,113	$	467,786	$	40,157,978


(1)	Excludes $520,564 thousand of loans and leases acquired in the FDIC-assisted Fidelity Bank acquisition on March 30, 2012.



			Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total

ALLL at December 31, 2011
(dollar amounts in thousands)

	Portion of ending balance:

		Attributable to loans individually evaluated for impairment	$	30,613	$	55,306	$	1,393	$	1,619	$	16,091	$	530	$	105,552
		Attributable to loans collectively evaluated for impairment		244,754		333,400		36,889		142,254		71,103		30,876		859,276
	Total ALLL balance:		$	275,367	$	388,706	$	38,282	$	143,873	$	87,194	$	31,406	$	964,828


Loans and Leases at December 31, 2011:
(dollar amounts in thousands)

	Portion of ending balance:

		Individually evaluated for impairment	$	153,724	$	387,402	$	36,574	$	52,593	$	335,768	$	6,220	$	972,281
		Collectively evaluated for impairment		14,545,647		5,438,307		4,420,872		8,162,820		4,892,508		491,348		37,951,502
	Total loans evaluated for impairment		$	14,699,371	$	5,825,709	$	4,457,446	$	8,215,413	$	5,228,276	$	497,568	$	38,923,783


			Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total

ALLL at March 31, 2011
(dollar amounts in thousands)

	Portion of ending balance:

		Attributable to loans individually evaluated for impairment	$	43,824	$	62,161	$	945	$	1,780	$	12,103	$	483	$	121,296
		Attributable to loans collectively evaluated for impairment		255,739		448,907		49,917		147,591		84,638		25,138		1,011,930
	Total ALLL balance:		$	299,563	$	511,068	$	50,862	$	149,371	$	96,741	$	25,621	$	1,133,226


Loans and Leases at March 31, 2011:
(dollar amounts in thousands)

	Portion of ending balance:

		Individually evaluated for impairment	$	187,339	$	338,239	$	29,611	$	39,719	$	342,015	$	9,173	$	946,096
		Collectively evaluated for impairment		13,111,516		5,960,016		5,772,986		7,743,651		4,175,032		536,539		37,299,740
	Total loans evaluated for impairment		$	13,298,855	$	6,298,255	$	5,802,597	$	7,783,370	$	4,517,047	$	545,712	$	38,245,836

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: (1), (2), (3)

									Three Months Ended
			March 31, 2012						March 31, 2012
					Unpaid						Interest
			Ending		Principal		Related		Average		Income
(dollar amounts in thousands)			Balance		Balance (6)		Allowance		Balance		Recognized

With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	9,567	$	17,172	$	---	$	3,189	$	24
		Other commercial and industrial		15,837		16,729		---		5,279		93
	Total commercial and industrial		$	25,404	$	33,901	$	---	$	8,468	$	117

	Commercial real estate:
		Retail properties	$	56,928	$	58,237	$	---	$	48,202	$	753
		Multi family		6,139		6,283		---		6,191		97
		Office		1,185		1,254		---		1,186		25
		Industrial and warehouse		6,473		7,574		---		7,558		105
		Other commercial real estate		15,681		30,459		---		20,022		148
	Total commercial real estate		$	86,406	$	103,807	$	---	$	83,159	$	1,128

With an allowance recorded:
	Commercial and industrial: (4)
		Owner occupied	$	31,947	$	40,932	$	4,835	$	43,322	$	402
		Other commercial and industrial		94,112		109,779		16,370		89,095		856
	Total commercial and industrial		$	126,059	$	150,711	$	21,205	$	132,417	$	1,258

	Commercial real estate: (5)
		Retail properties	$	114,960	$	139,041	$	27,583	$	123,791	$	2,276
		Multi family		36,687		44,501		4,423		37,566		622
		Office		22,294		37,146		2,905		23,077		107
		Industrial and warehouse		22,368		29,228		2,621		26,319		279
		Other commercial real estate		77,352		98,747		10,953		78,888		1,162
	Total commercial real estate		$	273,661	$	348,663	$	48,485	$	289,641	$	4,446

	Automobile		$	35,521	$	35,521	$	943	$	36,047	$	822
	Home equity:
		Secured by first-lien		43,898		43,898		480		39,870		479
		Secured by second-lien		15,706		15,705		822		16,228		215
	Residential mortgage (7)			324,385		350,714		12,660		330,076		2,937
	Other consumer			4,346		4,346		418		5,283		33


			December 31, 2011
					Unpaid
			Ending		Principal		Related
(dollar amounts in thousands)			Balance		Balance (6)		Allowance

With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	---	$	---	$	---
		Other commercial and industrial		---		---		---
	Total commercial and industrial		$	---	$	---	$	---

	Commercial real estate:
		Retail properties	$	43,970	$	45,192	$	---
		Multi family		6,292		6,435		---
		Office		1,191		1,261		---
		Industrial and warehouse		8,163		9,945		---
		Other commercial real estate		22,396		38,401		---
	Total commercial real estate		$	82,012	$	101,234	$	---

With an allowance recorded:
	Commercial and industrial:
		Owner occupied	$	53,613	$	77,205	$	7,377
		Other commercial and industrial		100,111		117,469		23,236
	Total commercial and industrial		$	153,724	$	194,674	$	30,613

	Commercial real estate:
		Retail properties	$	129,396	$	161,596	$	30,363
		Multi family		38,154		45,138		4,753
		Office		23,568		42,287		2,832
		Industrial and warehouse		29,435		47,373		3,136
		Other commercial real estate		84,837		119,212		14,222
	Total commercial real estate		$	305,390	$	415,606	$	55,306

	Automobile		$	36,574	$	36,574	$	1,393
	Home equity:
		Secured by first-lien		35,842		35,842		626
		Secured by second-lien		16,751		16,751		993
	Residential mortgage			335,768		361,161		16,091
	Other consumer			6,220		6,220		530

									Three Months Ended
			March 31, 2011						March 31, 2011
					Unpaid						Interest
			Ending		Principal		Related		Average		Income
(dollar amounts in thousands)			Balance		Balance (6)		Allowance		Balance		Recognized

With no related allowance recorded:
	Commercial and industrial:
		Owner occupied	$	10,854	$	23,302	$	---	$	12,216	$	5
		Other commercial and industrial		8,968		19,266		---		8,678		39
	Total commercial and industrial		$	19,822	$	42,568	$	---	$	20,894	$	44

	Commercial real estate:
		Retail properties	$	8,637	$	25,033	$	---	$	20,115	$	---
		Multi family		14,808		15,461		---		8,264		156
		Office		1,278		2,697		---		1,934		---
		Industrial and warehouse		2,192		6,296		---		2,785		---
		Other commercial real estate		23,384		46,928		---		24,766		197
	Total commercial real estate		$	50,299	$	96,415	$	---	$	57,864	$	353

With an allowance recorded:
	Commercial and industrial:
		Owner occupied	$	65,235	$	82,045	$	14,464	$	72,106	$	215
		Other commercial and industrial		102,282		141,460		29,360		115,969		476
	Total commercial and industrial		$	167,517	$	223,505	$	43,824	$	188,075	$	691

	Commercial real estate:
		Retail properties	$	115,996	$	178,765	$	22,486	$	87,596	$	381
		Multi family		29,788		33,682		7,058		37,268		231
		Office		32,530		45,865		5,270		28,668		107
		Industrial and warehouse		36,927		48,015		12,677		36,138		171
		Other commercial real estate		72,699		94,021		14,671		69,778		95
	Total commercial real estate		$	287,940	$	400,348	$	62,162	$	259,448	$	985

	Automobile		$	29,611	$	29,611	$	945	$	29,687	$	660
	Home equity:
		Secured by first-lien		22,867		22,867		657		21,710		226
		Secured by second-lien		16,852		16,852		1,122		16,778		186
	Residential mortgage			342,015		360,554		12,103		338,107		3,457
	Other consumer			9,173		9,173		483		9,369		172

(1)	These tables do not include loans fully charged-off.
(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 March 31, 2012, the loans acquired in the FDIC-assisted Fidelity Bank acquisition were in process of assessment to determine if any of the loans are considered to be purchased impaired in accordance with ASC 310-30. As such, no loans related to this acquisition are included in this table.
(4)	At March 31, 2012, $37,663 thousand of the $126,059 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.
(5)	At March 31, 2012, $28,220 thousand of the $273,661 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR.
(6)	The differences between the ending balance and unpaid principal balance amounts represent partial charge-offs.
(7)	At March 31, 2012, $15,874 thousand of the $324,385 thousand residential mortgages loans with an allowance recorded were guaranteed by the U.S. government.

Detailed troubled debt restructuring information by class

The following table presents by class and by the reason for the modification, the number of contracts, post-modification outstanding balance, and the net change in ALLL resulting from the modification for the three-month period ending March 31, 2012:

		New Troubled Debt Restructurings During The
		Three-Month Period Ended March 31, 2012 (1)

			Post-modification		Net change in
(dollar amounts in thousands)		Number of	Outstanding		ALLL resulting
		Contracts	Balance (2)		from modification

C&I - Owner occupied:

	Interest rate reduction	10	$	3,781	$	(961)
	Amortization or maturity date change	17		2,722		(92)
	Other	4		1,511		230
Total C&I - Owner occupied		31	$	8,014	$	(823)

C&I - Other commercial and industrial:

	Interest rate reduction	6	$	1,316	$	45
	Amortization or maturity date change	28		4,456		(8)
	Other	15		29,502		(2,866)
Total C&I - Other commercial and industrial		49	$	35,274	$	(2,829)

CRE - Retail properties:

	Interest rate reduction	4	$	2,795	$	(2)
	Amortization or maturity date change	5		1,758		(18)
	Other	---		---		---
Total CRE - Retail properties		9	$	4,553	$	(20)

CRE - Multi family:

	Interest rate reduction	2	$	334	$	(5)
	Amortization or maturity date change	10		1,501		(73)
	Other	4		2,032		(125)
Total CRE - Multi family		16	$	3,867	$	(203)

CRE - Office:

	Interest rate reduction	3	$	2,116	$	363
	Amortization or maturity date change	---		---		---
	Other	3		306		---
Total CRE - Office		6	$	2,422	$	363

CRE - Industrial and warehouse:

	Interest rate reduction	1	$	3,000	$	4
	Amortization or maturity date change	3		1,438		64
	Other	---		---		---
Total CRE - Industrial and Warehouse		4	$	4,438	$	68

CRE - Other commercial real estate:

	Interest rate reduction	---	$	---	$	---
	Amortization or maturity date change	14		46,676		1,400
	Other	2		9,435		(1,601)
Total CRE - Other commercial real estate		16	$	56,111	$	(201)

Automobile:

	Interest rate reduction	13	$	129	$	2
	Amortization or maturity date change	472		3,376		(25)
	Other	---		---		---
Total Automobile		485	$	3,505	$	(23)

Residential mortgage:

	Interest rate reduction	1	$	33	$	---
	Amortization or maturity date change	62		7,053		246
	Other	---		---		---
Total Residential mortgage		63	$	7,086	$	246

First-lien home equity:

	Interest rate reduction	67	$	7,614	$	1,299
	Amortization or maturity date change	15		1,635		(5)
	Other	---		---		---
Total First-lien home equity		82	$	9,249	$	1,294

Second-lien home equity:

	Interest rate reduction	22	$	932	$	131
	Amortization or maturity date change	14		608		(16)
	Other	---		---		---
Total Second-lien home equity		36	$	1,540	$	115

Other consumer:

	Interest rate reduction	4	$	119	$	9
	Amortization or maturity date change	5		60		4
	Other	---		---		---
Total Other consumer		9	$	179	$	13

(1)	No loans acquired in the FDIC-assisted Fidelity Bank acquisition are considered troubled debt restructured loans.
(2)	Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.

The following table presents TDRs modified within the previous twelve months that have subsequently redefaulted during the three-month period ended March 31, 2012:

		Troubled Debt Restructurings Within
		The Previous Twelve Months That
		Have Subsequently Defaulted During
		The Three-Month Period Ended
		March 31, 2012 (1), (2)

(dollar amounts in thousands)		Number of	Ending
		Contracts	Balance


C&I - Owner occupied:

	Interest rate reduction	1	$	1,011
	Amortization or maturity date change	1		199
	Other	---		---
Total C&I - Owner occupied		2	$	1,210

C&I - Other commercial and industrial:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	2		144
	Other	2		770
Total C&I - Other commercial and industrial		4	$	914

CRE - Retail Properties:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	1		224
	Other	---		---
Total CRE - Retail properties		1	$	224

CRE - Multi family:

	Interest rate reduction	2	$	1,998
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Multi family		2	$	1,998

CRE - Office:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Office		---	$	---

CRE - Industrial and Warehouse:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Industrial and Warehouse		---	$	---

CRE - Other commercial real estate:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	3		572
	Other	---		---
Total CRE - Other commercial real estate		3	$	572

Automobile:

	Interest rate reduction	2	$	---
	Amortization or maturity date change	60		---
	Other	---		---
Total Automobile		62	$	---⁽³⁾

Residential mortgage:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	20		2,703
	Other	---		---
Total Residential mortgage		20	$	2,703

First-lien home equity:

	Interest rate reduction	8	$	767
	Amortization or maturity date change	1		14
	Other	---		---
Total First-lien home equity		9	$	781

Second-lien home equity:

	Interest rate reduction	1	$	14
	Amortization or maturity date change	1		15
	Other	---		---
Total Second-lien home equity		2	$	29

Other consumer:

	Interest rate reduction	1	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total Other consumer		1	$	---⁽⁴⁾

(1)	Subsequent default is defined as a payment redefault within 12 months of the restructuring date.
(2)	No loans acquired in the FDIC-assisted Fidelity Bank acquisition are considered troubled debt restructured loans.
(3)	Automobile loans are charged-off at time of subsequent default. During the three-month period ended March 31, 2012, $404 thousand of total automobile loans were charged-off at the time of subsequent redefault.
(4)	Other consumer loans are charged-off at time of subsequent default. During the three-month period ended March 31, 2012, $53 thousand of total other consumer loans were charged-off at the time of subsequent default.