Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

v2.4.0.6
Loans and Leases and Allowance for Credit Losses (Tables)
 3 Months Ended
Sep. 30, 2012
Loans / Leases and Allowance for Credit Losses [Abstract]  
Loan and Lease Portfolio

The following table provides a detailed listing of Huntington's loan and lease portfolio at September 30, 2012, and December 31, 2011:

 

          September 30,     December 31,
(dollar amounts in thousands)   2012     2011
                 
Loans and leases:          
    Commercial and industrial $ 16,478,008   $ 14,699,371
    Commercial real estate   5,497,157     5,825,709
    Automobile   4,275,754     4,457,446
    Home equity   8,380,542     8,215,413
    Residential mortgage   5,192,241     5,228,276
    Other consumer   436,715     497,568
  Loans and leases   40,260,417     38,923,783
  Allowance for loan and lease losses   (789,142)     (964,828)
Net loans and leases $ 39,471,275   $ 37,958,955
Loan Purchases and Sales
                                 
      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 September 30, 2012 $ 58,638 $ --- $ --- $ --- $ --- $ --- $ 58,638
    Nine-month period ended September 30, 2012 $ 536,139 $ 378,122 $ --- $ 13,025 $ 62,324 $ 85 $ 989,695
                                 
    Three-month period ended September 30, 2011 $ --- $ --- $ 59,578(1) $ --- $ --- $ --- $ 59,578
    Nine-month period ended September 30, 2011 $ --- $ --- $ 59,578(1) $ --- $ --- $ --- $ 59,578
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:                            
    Three-month period ended September 30, 2012 $ 65,768 $ 4,812 $ --- $ --- $ --- $ --- $ 70,580
    Nine-month period ended September 30, 2012 $ 190,933 $ 52,554 $ 2,783,748 $ --- $ 179,621   --- $ 3,206,856
                                 
    Three-month period ended September 30, 2011 $ 48,530 $ --- $ 1,000,033 $ --- $ --- $ --- $ 1,048,563
    Nine-month period ended September 30, 2011 $ 204,012 $ 56,123 $ 1,000,033 $ --- $ 170,757 $ --- $ 1,430,925
                                 
  (1) Reflected the purchase of $59.6 million of automobile loans as a result of exercising a clean-up call option related to loans previously sold under Huntington's automobile loan sale program.
NALs and Past Due Loans

The following table presents NALs by loan class at September 30, 2012, and December 31, 2011 (1):

 

    2012   2011
(dollar amounts in thousands) September 30,   December 31,
             
Commercial and industrial:          
  Owner occupied $ 60,939   $ 88,415
  Purchased impaired   ---     ---
  Other commercial and industrial   48,513     113,431
Total commercial and industrial $ 109,452   $ 201,846
             
Commercial real estate:          
  Retail properties $ 43,564   $ 58,415
  Multi family   24,045     39,921
  Office   23,279     33,202
  Industrial and warehouse   10,286     30,119
  Purchased impaired   ---     ---
  Other commercial real estate   47,812     68,232
Total commercial real estate $ 148,986   $ 229,889
             
Automobile $ 11,814   $ ---
             
Home equity:          
  Secured by first-lien $ 24,424   $ 20,012
  Secured by junior-lien   27,230     20,675
Total home equity $ 51,654   $ 40,687
             
Residential mortgage:          
  Residential mortgage $ 123,140   $ 68,658
  Purchased impaired   ---     ---
Total residential mortgages $ 123,140   $ 68,658
             
Other consumer          
  Other consumer $ ---   $ ---
  Purchased impaired   ---     ---
Total other consumer $ ---   $ ---
Total nonaccrual loans $ 445,046   $ 541,080
             
(1) September 30, 2012, figures include $63.0 million related to Chapter 7 bankruptcy loans.
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, 2012, and December 31, 2011: (1)

 

September 30, 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 $ 10,816 $ 5,476 $ 41,253 $ 57,545   $ 4,210,843 $ 4,268,388   $ ---
  Purchased impaired   2,069   4,899   26,117   33,085     29,168   62,253     26,117
  Other commercial and industrial   15,764   4,749   22,131   42,644     12,104,723   12,147,367     ---
Total commercial and industrial $ 28,649 $ 15,124 $ 89,501 $ 133,274   $ 16,344,734 $ 16,478,008   $ 26,117(2)
                                   
Commercial real estate:                                
  Retail properties $ 5,769 $ 3,491 $ 22,999 $ 32,259   $ 1,511,252 $ 1,543,511   $ ---
  Multi family   2,682   925   17,114   20,721     952,947   973,668     ---
  Office   12,265   3,275   17,733   33,273     928,377   961,650     ---
  Industrial and warehouse   1,557   858   4,568   6,983     621,379   628,362     ---
  Purchased impaired   4,741   9,741   45,131   59,613     73,793   133,406     45,131
  Other commercial real estate   948   8,609   27,860   37,417     1,219,143   1,256,560     ---
Total commercial real estate $ 27,962 $ 26,899 $ 135,405 $ 190,266   $ 5,306,891 $ 5,497,157   $ 45,131(2)
                                   
Automobile $ 31,731   6,730 $ 3,857 $ 42,318   $ 4,233,436 $ 4,275,754   $ 3,857
                                   
Home equity:                                
  Secured by first-lien $ 19,696 $ 9,488 $ 32,911 $ 62,095   $ 4,151,610 $ 4,213,705   $ 9,424
  Secured by junior-lien   30,085   13,065   27,248   70,398     4,096,439   4,166,837     11,919
Total home equity $ 49,781 $ 22,553 $ 60,159 $ 132,493   $ 8,248,049 $ 8,380,542   $ 21,343
                                   
Residential mortgage:                                
  Residential mortgage $ 145,713 $ 46,646 $ 168,782 $ 361,141   $ 4,828,869 $ 5,190,010   $ 97,752(3)
  Purchased impaired   198   37   398   633     1,598   2,231     398
Total residential mortgage $ 145,911 $ 46,683 $ 169,180 $ 361,774   $ 4,830,467 $ 5,192,241   $ 98,150
                                   
Other consumer:                                
  Other consumer $ 7,050 $ 1,356 $ 695 $ 9,101   $ 426,995 $ 436,096   $ 695
  Purchased impaired   40   -   389   429     190   619     389
Total other consumer $ 7,090 $ 1,356 $ 1,084 $ 9,530   $ 427,185 $ 436,715   $ 1,084
                                   
Total loans and leases $ 291,122 $ 119,345 $ 459,185 $ 869,652   $ 39,390,766 $ 40,260,417   $ 195,682
                                   
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 junior-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
                                   
Total loans and leases $ 298,182 $ 105,636 $ 552,384 $ 956,202   $ 37,967,581 $ 38,923,783   $ 170,352
                                   
                                   
(1) NALs are included in this aging analysis based on the loan's past due status.
(2) All amounts represent accruing purchased impaired loans related to the FDIC-assisted Fidelity Bank acquisition. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3) Includes $87,463 thousand guaranteed by the U.S. government.
(4) Includes $96,703 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, 2012 and 2011: (1)

 

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended September 30, 2012:                            
                                 
  ALLL balance, beginning of period $ 280,548 $ 305,391 $ 30,217 $ 135,562 $ 78,015 $ 29,913 $ 859,646
    Loan charge-offs   (22,522)   (26,513)   (7,925)   (48,710)   (17,644)   (8,872)   (132,186)
    Recoveries of loans previously charged-off   9,499   9,139   3,906   2,114   764   1,669   27,091
    Provision for loan and lease losses   (10,444)   (7,641)   7,187   33,639   5,809   5,869   34,419
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (104)   ---   276   ---   172
  ALLL balance, end of period $ 257,081 $ 280,376 $ 33,281 $ 122,605 $ 67,220 $ 28,579 $ 789,142
                                 
  AULC balance, beginning of period $ 42,844 $ 5,225 $ --- $ 2,190 $ 4 $ 715 $ 50,978
    Provision for unfunded loan commitments and letters of credit   3,263   (125)   ---   (513)   (1)   (39)   2,585
  AULC balance, end of period $ 46,107 $ 5,100 $ --- $ 1,677 $ 3 $ 676 $ 53,563
                                 
  ACL balance, end of period $ 303,188 $ 285,476 $ 33,281 $ 124,282 $ 67,223 $ 29,255 $ 842,705
                                 
Nine-month period ended September 30, 2012:                            
                                 
  ALLL balance, beginning of period $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
    Loan charge-offs   (79,746)   (83,662)   (20,534)   (97,058)   (41,292)   (25,946)   (348,238)
    Recoveries of loans previously charged-off   22,550   26,604   12,988   5,688   3,056   5,020   75,906
    Provision for loan and lease losses   38,910   (51,272)   7,784   70,102   19,200   18,099   102,823
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (5,239)   ---   (938)   ---   (6,177)
  ALLL balance, end of period $ 257,081 $ 280,376 $ 33,281 $ 122,605 $ 67,220 $ 28,579 $ 789,142
                                 
  AULC balance, beginning of period $ 39,658 $ 5,852 $ --- $ 2,134 $ 1 $ 811 $ 48,456
    Provision for unfunded loan commitments and letters of credit   6,449   (752)   ---   (457)   2   (135)   5,107
  AULC balance, end of period $ 46,107 $ 5,100 $ --- $ 1,677 $ 3 $ 676 $ 53,563
                                 
  ACL balance, end of period $ 303,188 $ 285,476 $ 33,281 $ 124,282 $ 67,223 $ 29,255 $ 842,705

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended September 30, 2011:                            
                                 
  ALLL balance, beginning of period $ 281,016 $ 463,874 $ 55,428 $ 146,444 $ 98,992 $ 25,372 $ 1,071,126
    Loan charge-offs   (28,624)   (29,621)   (8,087)   (27,916)   (13,422)   (8,229)   (115,899)
    Recoveries of loans previously charged-off   10,733   5,181   4,224   1,694   1,860   1,652   25,344
    Provision for loan and lease losses   22,129   (20,539)   4,565   19,394   11,544   8,774   45,867
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (6,728)   ---   ---   ---   (6,728)
  ALLL balance, end of period $ 285,254 $ 418,895 $ 49,402 $ 139,616 $ 98,974 $ 27,569 $ 1,019,710
                                 
  AULC balance, beginning of period $ 31,341 $ 6,632 $ --- $ 2,249 $ 1 $ 837 $ 41,060
    Provision for unfunded loan commitments and letters of credit   (882)   (1,316)   ---   (67)   ---   (16)   (2,281)
  AULC balance, end of period $ 30,459 $ 5,316 $ --- $ 2,182 $ 1 $ 821 $ 38,779
                                 
  ACL balance, end of period $ 315,713 $ 424,211 $ 49,402 $ 141,798 $ 98,975 $ 28,390 $ 1,058,489
                                 
Nine-month period ended September 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   (110,590)   (146,991)   (24,939)   (83,598)   (53,773)   (23,716)   (443,607)
    Recoveries of loans previously charged-off   31,804   27,273   14,109   5,220   6,824   5,205   90,435
    Provision for loan and lease losses   23,426   (49,638)   17,472   67,364   54,148   19,344   132,116
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (6,728)   ---   (1,514)   ---   (8,242)
  ALLL balance, end of period $ 285,254 $ 418,895 $ 49,402 $ 139,616 $ 98,974 $ 27,569 $ 1,019,710
                                 
  AULC balance, beginning of period $ 32,726 $ 6,158 $ --- $ 2,348 $ 1 $ 894 $ 42,127
    Provision for unfunded loan commitments and letters of credit   (2,267)   (842)   ---   (166)   ---   (73)   (3,348)
  AULC balance, end of period $ 30,459 $ 5,316 $ --- $ 2,182 $ 1 $ 821 $ 38,779
                                 
  ACL balance, end of period $ 315,713 $ 424,211 $ 49,402 $ 141,798 $ 98,975 $ 28,390 $ 1,058,489
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at September 30, 2012, and December 31, 2011:

 

    September 30, 2012  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 3,945,489 $ 104,330 $ 217,574 $ 995 $ 4,268,388  
  Purchased impaired   1,283   6,956   54,014   -   62,253  
  Other commercial and industrial   11,543,754   196,823   405,027   1,763   12,147,367  
Total commercial and industrial $ 15,490,526 $ 308,109 $ 676,615 $ 2,758 $ 16,478,008  
                         
Commercial real estate:                      
  Retail properties $ 1,306,360 $ 30,514 $ 206,637 $ --- $ 1,543,511  
  Multi family   867,939   41,777   63,814   138   973,668  
  Office   838,877   33,442   89,331   -   961,650  
  Industrial and warehouse   569,313   11,705   47,344   ---   628,362  
  Purchased impaired   4,830   29,993   98,510   73   133,406  
  Other commercial real estate   1,072,876   43,709   139,877   98   1,256,560  
Total commercial real estate $ 4,660,195 $ 191,140 $ 645,513 $ 309 $ 5,497,157  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,553,258 $ 2,182,389 $ 735,651 $ 104,456 $ 5,575,754 (3)
                         
Home equity:                      
  Secured by first-lien $ 2,441,087 $ 1,404,312 $ 348,109 $ 20,197 $ 4,213,705  
  Secured by junior-lien   1,943,216   1,530,622   569,785   123,214   4,166,837  
Total home equity $ 4,384,303 $ 2,934,934 $ 917,894 $ 143,411 $ 8,380,542  
                         
Residential mortgage:                      
  Residential mortgage $ 2,577,715 $ 1,795,920 $ 696,414 $ 119,961 $ 5,190,010  
  Purchased impaired   349   1,347   468   67   2,231  
Total residential mortgage $ 2,578,064 $ 1,797,267 $ 696,882 $ 120,028 $ 5,192,241  
                         
Other consumer:                      
  Other consumer $ 163,538 $ 180,968 $ 65,480 $ 26,110 $ 436,096  
  Purchased impaired   -   231   289   99   619  
Total other consumer $ 163,538 $ 181,199 $ 65,769 $ 26,209 $ 436,715  
                         
                         
    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 (1)  
    750+ 650-749 <650 Other (2) 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 junior-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  
                         
                         
(1) Reflects currently updated customer credit scores.  
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.  
(3) Includes $1,300,000 thousand of loans reflected as loans held for sale.  
(4) Includes $1,250,000 thousand of loans reflected as loans held for sale.  
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, 2012, and December 31, 2011:

                                 
      Commercial Commercial     Residential Other  
  and Industrial Real Estate Automobile Home Equity Mortgage Consumer Total
                                 
ALLL at September 30, 2012:                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans purchased with deteriorated credit quality $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Attributable to loans individually evaluated for impairment   22,023   36,689   1,196   3,635   14,134   245   77,922
    Attributable to loans collectively evaluated for impairment   235,058   243,687   32,085   118,970   53,086   28,334   711,220
  Total ALLL balance $ 257,081 $ 280,376 $ 33,281 $ 122,605 $ 67,220 $ 28,579 $ 789,142
                                 
                                 
Loans and Leases at September 30, 2012:                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans purchased with deteriorated credit quality $ 62,253 $ 133,406 $ --- $ --- $ 2,231 $ 619 $ 198,509
    Attributable to loans individually evaluated for impairment   106,554   322,277   45,533   100,519   364,053   2,757   941,693
    Attributable to loans collectively evaluated for impairment   16,309,201   5,041,474   4,230,221   8,280,023   4,825,957   433,339   39,120,215
  Total loans evaluated for impairment $ 16,478,008 $ 5,497,157 $ 4,275,754 $ 8,380,542 $ 5,192,241 $ 436,715 $ 40,260,417
                                 
                                 

                                 
                   
  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:                            
                                 
    Attributable to loans individually evaluated for impairment $ 153,724 $ 387,402 $ 36,574 $ 52,593 $ 335,768 $ 6,220 $ 972,281
    Attributable to loans 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
                                 
                                 
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)

                    Three Months Ended   Nine Months Ended
  September 30, 2012   September 30, 2012   September 30, 2012
          Unpaid           Interest       Interest
      Ending Principal Related   Average Income   Average Income
(dollar amounts in thousands) Balance Balance (5) Allowance   Balance Recognized   Balance Recognized
                                     
With no related allowance recorded:                                
  Commercial and industrial:                                
    Owner occupied $ 3,652 $ 10,099 $ ---   $ 4,702 $ 1   $ 5,310 $ 61
    Purchased impaired   62,253   90,527   ---     62,740   935     64,627   1,767
    Other commercial and industrial   17,886   37,036   ---     9,274   88     8,556   343
  Total commercial and industrial $ 83,791 $ 137,662 $ ---   $ 76,716 $ 1,024   $ 78,493 $ 2,171
                                     
  Commercial real estate:                                
    Retail properties $ 58,095 $ 63,479 $ ---   $ 53,317 $ 531   $ 52,127 $ 2,007
    Multi family   4,483   5,170   ---     5,413   85     5,879   278
    Office   8,256   10,415   ---     8,695   138     4,631   191
    Industrial and warehouse   16,651   19,609   ---     9,779   106     8,045   312
    Purchased impaired   133,406   224,607   ---     134,279   2,004     138,858   3,954
    Other commercial real estate   14,408   15,374   ---     15,070   140     17,068   412
  Total commercial real estate $ 235,299 $ 338,654 $ ---   $ 226,553 $ 3,004   $ 226,608 $ 7,154
                                     
                                     
  Home equity:                                
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Secured by junior-lien   ---   ---   ---     ---   ---     ---   ---
  Total home equity $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Residential mortgage:                                
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased impaired   2,231   4,160   ---     2,293   34     3,947   68
  Total residential mortgage $ 2,231 $ 4,160 $ ---   $ 2,293 $ 34   $ 3,947 $ 68
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased impaired   619   922   ---     626   9     782   18
  Total other consumer $ 619 $ 922 $ ---   $ 626 $ 9   $ 782 $ 18
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 41,476 $ 46,462 $ 5,678   $ 39,339 $ 303   $ 38,927 $ 998
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   43,540   54,747   16,345     56,377   424     77,289   1,906
  Total commercial and industrial $ 85,016 $ 101,209 $ 22,023   $ 95,716 $ 727   $ 116,216 $ 2,904
                                     
  Commercial real estate: (4)                                
    Retail properties $ 96,085 $ 104,001 $ 16,468   $ 109,146 $ 848   $ 117,069 $ 4,032
    Multi family   22,918   27,550   3,546     26,375   280     29,734   1,108
    Office   16,918   22,154   3,118     10,394   52     16,954   210
    Industrial and warehouse   26,402   27,972   3,180     23,854   151     24,205   504
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial real estate   58,061   75,883   10,377     66,999   455     74,020   2,032
  Total commercial real estate $ 220,384 $ 257,560 $ 36,689   $ 236,768 $ 1,786   $ 261,982 $ 7,886
                                     
  Automobile $ 45,533 $ 47,525 $ 1,196   $ 39,996 $ 782   $ 38,022 $ 2,398
                                     
  Home equity:                                
    Secured by first-lien $ 67,256 $ 76,166 $ 1,736   $ 59,247 $ 730   $ 49,559 $ 1,769
    Secured by junior-lien   33,263   48,123   1,899     24,698   368     20,463   804
  Total home equity $ 100,519 $ 124,289 $ 3,635   $ 83,945 $ 1,098   $ 70,022 $ 2,573
                                     
  Residential mortgage (6):                                
    Residential mortgage $ 364,053 $ 402,182 $ 14,134   $ 345,677 $ 2,722   $ 337,876 $ 8,525
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
  Total residential mortgage $ 364,053 $ 402,182 $ 14,134   $ 345,677 $ 2,722   $ 337,876 $ 8,525
                                     
  Other consumer:                                
    Other consumer $ 2,757 $ 2,757 $ 245   $ 2,954 $ 19   $ 4,118 $ 78
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
  Total other consumer $ 2,757 $ 2,757 $ 245   $ 2,954 $ 19   $ 4,118 $ 78

                 
  December 31, 2011
          Unpaid    
      Ending Principal Related
(dollar amounts in thousands) Balance Balance (5) 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 junior-lien   16,751   16,751   993
  Residential mortgage   335,768   361,161   16,091
  Other consumer   6,220   6,220   530

                                     
(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 September 30, 2012, $43,795 thousand of the $85,016 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.          
(4) At September 30, 2012, $36,922 thousand of the $220,384 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, 2012, $17,445 thousand of the $364,053 thousand residential mortgages 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, 2012 and 2011:

      New Troubled Debt Restructurings During The Three-Month Period Ended (1)
      September 30, 2012   September 30, 2011
        Post-modification           Post-modification      
        Outstanding         Outstanding      
(dollar amounts in thousands)   Number of Ending Financial effects     Number of Ending Financial effects    
    Contracts Balance of modification(2)     Contracts Balance of modification (2)  
                                 
C&I - Owner occupied:  (3)                            
                                 
  Interest rate reduction   7 $ 4,292 $ 13     3 $ 638 $ (70)    
  Amortization or maturity date change   23   5,271   (49)     16   11,023   (1,085)    
  Other   5   1,410   (153)     2   729   (1)    
Total C&I - Owner occupied   35 $ 10,973 $ (189)     21 $ 12,390 $ (1,156)    
                                 
C&I - Other commercial and industrial:  (3)                            
                                 
  Interest rate reduction   6 $ 2,029 $ (261)     6 $ 18,292 $ 1,225    
  Amortization or maturity date change   20   12,393   (432)     11   2,175   13    
  Other   10   3,523   136     2   3,027   64    
Total C&I - Other commercial and industrial   36 $ 17,945 $ (557)     19 $ 23,494 $ 1,302    
                                 
CRE - Retail properties:  (3)                            
                                 
  Interest rate reduction   --- $ --- $ ---     2 $ 19,883 $ 5,603    
  Amortization or maturity date change   1   116   (2)     7   17,984   4,012    
  Other   1   276   (1)     1   2,595   5    
Total CRE - Retail properties   2 $ 392 $ (3)     10 $ 40,462 $ 9,620    
                                 
CRE - Multi family:  (3)                            
                                 
  Interest rate reduction   8 $ 809 $ (22)     4 $ 1,275 $ 103    
  Amortization or maturity date change   12   1,216   51     1   1,066   (51)    
  Other   1   343   (8)     ---   ---   ---    
Total CRE - Multi family   21 $ 2,368 $ 21     5 $ 2,341 $ 52    
                                 
CRE - Office:  (3)                            
                                 
  Interest rate reduction   1 $ 2,039 $ (599)     --- $ --- $ ---    
  Amortization or maturity date change   2   9,632   (36)     ---   ---   ---    
  Other   ---   ---   ---     ---   ---   ---    
Total CRE - Office   3 $ 11,671 $ (635)     --- $ --- $ ---    
                                 
CRE - Industrial and warehouse:  (3)                            
                                 
  Interest rate reduction   1 $ 1,600 $ (224)     --- $ --- $ ---    
  Amortization or maturity date change   7   31,577   (3,729)     2   229   (2)    
  Other   ---   ---   ---     1   2,147   (937)    
Total CRE - Industrial and Warehouse   8 $ 33,177 $ (3,953)     3 $ 2,376 $ (939)    
                                 
CRE - Other commercial real estate:  (3)                            
                                 
  Interest rate reduction   2 $ 755 $ (72)     10 $ 7,834 $ (374)    
  Amortization or maturity date change   10   13,454   383     12   31,470   (211)    
  Other   3   199   111     2   2,489   ---    
Total CRE - Other commercial real estate   15 $ 14,408 $ 422     24 $ 41,793 $ (585)    
                                 
Automobile:  (4)                            
                                 
  Interest rate reduction   7 $ 51 $ ---     12 $ 147 $ 3    
  Amortization or maturity date change   501   3,533   (30)     822   7,687   (68)    
  Chapter 7 bankruptcy   1,978   11,666   1,754     ---   ---   ---    
  Other   ---   ---   ---     ---   ---   ---    
Total Automobile   2,486 $ 15,250 $ 1,724     834 $ 7,834 $ (65)    
                                 
Residential mortgage:  (5)                            
                                 
  Interest rate reduction   8 $ 1,300 $ 59     2 $ 181 $ ---    
  Amortization or maturity date change   113   16,234   117     164   22,120   649    
  Chapter 7 bankruptcy   528   39,352   4,527     ---   ---   ---    
  Other   6   663   41     5   600   33    
Total Residential mortgage   655 $ 57,549 $ 4,744     171 $ 22,901 $ 682    
                                 
First-lien home equity:  (6)                            
                                 
  Interest rate reduction   47 $ 6,837 $ 1,185     48 $ 5,857 $ 1,016    
  Amortization or maturity date change   31   2,928   28     49   5,820   111    
  Chapter 7 bankruptcy   177   7,461   4,203     ---   ---   ---    
  Other   ---   ---   ---     ---   ---   ---    
Total First-lien home equity   255 $ 17,226 $ 5,416     97 $ 11,677 $ 1,127    
                                 
Junior-lien home equity:  (7)                            
                                 
  Interest rate reduction   15 $ 1,273 $ 226     55 $ 2,992 $ 22    
  Amortization or maturity date change   40   1,586   (40)     44   1,631   40    
  Chapter 7 bankruptcy   1,198   12,366   17,781     ---   ---   ---    
  Other   7   285   ---     ---   ---   ---    
Total Junior-lien home equity   1,260 $ 15,510 $ 17,967     99 $ 4,623 $ 62    
                                 
Other consumer:  (8)                            
                                 
  Interest rate reduction   7 $ 65 $ 9     6 $ 561 $ 48    
  Amortization or maturity date change   4   25   ---     50   348   (18)    
  Chapter 7 bankruptcy   12   148   ---     ---   ---   ---    
  Other   ---   ---   ---     ---   ---   ---    
Total Other consumer   23 $ 238 $ 9     56 $ 909 $ 30    
                                 
Total new troubled debt restructurings   4,799 $ 196,707 $ 24,966     1,339 $ 170,800 $ 10,130    

      New Troubled Debt Restructurings During The Nine-Month Period Ended (1)
      September 30, 2012   September 30, 2011
        Post-modification           Post-modification    
        Outstanding         Outstanding    
(dollar amounts in thousands)   Number of Ending Financial effects     Number of Ending Financial effects  
    Contracts Balance of modification(2)     Contracts Balance of modification(2)  
                               
C&I - Owner occupied:                            
                               
  Interest rate reduction  (3) 21 $ 9,260 $ 145     27 $ 12,240 $ (748)  
  Amortization or maturity date change   70   16,305   522     35   19,294   (1,759)  
  Other   13   4,181   1,105     4   3,072   242  
Total C&I - Owner occupied   104 $ 29,746 $ 1,772     66 $ 34,606 $ (2,265)  
                               
C&I - Other commercial and industrial:  (3)                          
                               
  Interest rate reduction   23 $ 7,095 $ 1     18 $ 21,382 $ 11  
  Amortization or maturity date change   91   36,403   (1,270)     41   23,145   (156)  
  Other   28   34,524   201     17   25,421   (3,123)  
Total C&I - Other commercial and industrial   142 $ 78,022 $ (1,068)     76 $ 69,948 $ (3,268)  
                               
CRE - Retail properties:  (3)                          
                               
  Interest rate reduction   8 $ 6,027 $ 957     8 $ 46,534 $ 4,359  
  Amortization or maturity date change   11   3,166   (23)     14   25,689   6,358  
  Other   1   276   (1)     6   14,253   1,289  
Total CRE - Retail properties   20 $ 9,469 $ 933     28 $ 86,476 $ 12,006  
                               
CRE - Multi family:  (3)                          
                               
  Interest rate reduction   10 $ 1,143 $ (27)     10 $ 4,378 $ (8)  
  Amortization or maturity date change   25   2,913   (20)     5   2,256   25  
  Other   7   7,961   668     ---   ---   ---  
Total CRE - Multi family   42 $ 12,017 $ 621     15 $ 6,634 $ 17  
                               
CRE - Office:  (3)                          
                               
  Interest rate reduction   4 $ 4,155 $ (236)     3 $ 1,505 $ 258  
  Amortization or maturity date change   6   11,208   327     2   1,238   83  
  Other   3   306   ---     ---   ---   ---  
Total CRE - Office   13 $ 15,669 $ 91     5 $ 2,743 $ 341  
                               
CRE - Industrial and warehouse:  (3)                          
                               
  Interest rate reduction   2 $ 4,600 $ (220)     1 $ 2,165 $ (299)  
  Amortization or maturity date change   13   34,350   (3,850)     6   19,300   (5,446)  
  Other   ---   ---   ---     1   2,147   (937)  
Total CRE - Industrial and Warehouse   15 $ 38,950 $ (4,070)     8 $ 23,612 $ (6,682)  
                               
CRE - Other commercial real estate:  (3)                          
                               
  Interest rate reduction   9 $ 2,792 $ (288)     15 $ 17,893 $ (1,180)  
  Amortization or maturity date change   38   66,007   4,145     48   103,120   (2,022)  
  Other   5   9,634   (1,893)     5   8,199   19  
Total CRE - Other commercial real estate   52 $ 78,433 $ 1,964     68 $ 129,212 $ (3,183)  
                               
Automobile:  (4)                          
                               
  Interest rate reduction   28 $ 271 $ 4     14 $ 186 $ 3  
  Amortization or maturity date change   1,401   9,813   (73)     1,534   13,832   (113)  
  Chapter 7 bankruptcy   1,978   11,666   1,754     ---   ---   ---  
  Other   ---   ---   ---     ---   ---   ---  
Total Automobile   3,407 $ 21,750 $ 1,685     1,548 $ 14,018 $ (110)  
                               
Residential mortgage:  (5)                          
                               
  Interest rate reduction   12 $ 7,466 $ 10     8 $ 6,604 $ (589)  
  Amortization or maturity date change   318   42,326   1,051     499   67,351   2,289  
  Chapter 7 bankruptcy   528   39,352   4,527     ---   ---   ---  
  Other   6   663   41     18   3,555   115  
Total Residential mortgage   864 $ 89,807 $ 5,629     525 $ 77,510 $ 1,815  
                               
First-lien home equity:  (6)                          
                               
  Interest rate reduction   177 $ 21,841 $ 3,666     95 $ 11,836 $ 1,899  
  Amortization or maturity date change   57   5,825   23     75   9,073   587  
  Chapter 7 bankruptcy   177   7,461   4,203     ---   ---   ---  
  Other   ---   ---   ---     ---   ---   ---  
Total First-lien home equity   411 $ 35,127 $ 7,892     170 $ 20,909 $ 2,486  
                               
Junior-lien home equity:  (7)                          
                               
  Interest rate reduction   52 $ 2,749 $ 443     109 $ 5,480 $ 287  
  Amortization or maturity date change   59   2,458   (57)     89   2,975   59  
  Chapter 7 bankruptcy   1,198   12,366   17,781     ---   ---   ---  
  Other   7   288   ---     ---   ---   ---  
Total Junior-lien home equity   1,316 $ 17,861 $ 18,167     198 $ 8,455 $ 346  
                               
Other consumer:  (8)                          
                               
  Interest rate reduction   12 $ 228 $ 23     11 $ 837 $ 73  
  Amortization or maturity date change   15   352   30     57   363   (19)  
  Chapter 7 bankruptcy   12   148   ---     ---   ---   ---  
  Other   ---   ---   ---     ---   ---   ---  
Total Other consumer   39 $ 728 $ 53     68 $ 1,200 $ 54  
                               
Total new troubled debt restructurings   6,425 $ 427,579 $ 33,669     2,775 $ 475,323 $ 1,557  
                               
(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.  
(3) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.  
(4) Chapter 7 bankruptcy pre-modification balances were impacted by $2.0 million of charge-offs.  
(5) Chapter 7 bankruptcy pre-modification balances were impacted by $7.9 million of charge-offs.  
(6) Chapter 7 bankruptcy pre-modification balances were impacted by $4.3 million of charge-offs.  
(7) Chapter 7 bankruptcy pre-modification balances were impacted by $18.8 million of charge-offs.  
(8) Chapter 7 bankruptcy pre-modification balances were not significantly impacted by charge-offs.  

The following tables present TDRs that have defaulted within one year of modification during the three-month and nine-month periods ended September 30, 2012 and 2011:

 

      Troubled Debt Restructurings That Have Redefaulted
      Within One Year Of Modification During The Three Months Ended
      September 30, 2012   September 30, 2011(1)
                   
                   
(dollar amounts in thousands)   Number of Ending   Number of Ending
    Contracts Balance   Contracts Balance
                 
                   
C&I - Owner occupied:                
                   
  Interest rate reduction   2 $ 239   --- $ ---
  Amortization or maturity date change   4   489   3   3,224
  Other   ---   ---   ---   ---
Total C&I - Owner occupied   6 $ 728   3 $ 3,224
                   
C&I - Other commercial and industrial:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   3   84   2   9,300
  Other   ---   ---   ---   ---
Total C&I - Other commercial and industrial   3 $ 84   2 $ 9,300
                   
CRE - Retail Properties:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   ---   ---   ---   ---
  Other   ---   ---   ---   ---
Total CRE - Retail properties   --- $ ---   --- $ ---
                   
CRE - Multi family:                
                   
  Interest rate reduction   --- $ ---   2 $ 812
  Amortization or maturity date change   ---   ---   ---   ---
  Other   ---   ---   ---   ---
Total CRE - Multi family   --- $ ---   2 $ 812
                   
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   ---   ---   2   229
  Other   ---   ---   ---   ---
Total CRE - Industrial and Warehouse   --- $ ---   2 $ 229
                   
CRE - Other commercial real estate:                
                   
  Interest rate reduction   --- $ ---   2 $ 132
  Amortization or maturity date change   ---   ---   ---   ---
  Other   ---   ---   ---   ---
Total CRE - Other commercial real estate   --- $ ---   2 $ 132
                   
Automobile:                
                   
  Interest rate reduction   1 $ ---   --- $ ---
  Amortization or maturity date change   20   ---   41   ---
  Other   ---   ---   ---   ---
Total Automobile   21 $ ---(2)   41 $ ---(2)
                   
Residential mortgage:                
                   
  Interest rate reduction   --- $ ---   1 $ 65
  Amortization or maturity date change   18   2,422   22   2,276
  Chapter 7 bankruptcy   17   1,760   ---   ---
  Other   1   106   1   149
Total Residential mortgage   36 $ 4,288   24 $ 2,490
                   
First-lien home equity:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   4   489   ---   ---
  Other   ---   ---   ---   ---
Total First-lien home equity   4 $ 489   --- $ ---
                   
Junior-lien home equity:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   1   20   ---   ---
  Other   ---   ---   ---   ---
Total Junior-lien home equity   1 $ 20   --- $ ---
                   
Other consumer:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   ---   ---   ---   ---
  Other   ---   ---   ---   ---
Total Other consumer   --- $ ---(3)   --- $ ---(3)
                   
Total troubled debt restructurings with subsequent redefault   71 $ 5,609   76 $ 16,187

      Troubled Debt Restructurings That Have Redefaulted
      Within One Year of Modification During The Nine Months Ended
      September 30, 2012   September 30, 2011(1)
                   
                   
(dollar amounts in thousands)   Number of Ending   Number of Ending
    Contracts Balance   Contracts Balance
                 
                   
C&I - Owner occupied:                
                   
  Interest rate reduction   3 $ 1,237   9 $ 3,850
  Amortization or maturity date change   10   1,085   7   4,072
  Other   ---   ---   2   2,352
Total C&I - Owner occupied   13 $ 2,322   18 $ 10,274
                   
C&I - Other commercial and industrial:                
                   
  Interest rate reduction   3 $ 401   1 $ 193
  Amortization or maturity date change   12   558   6   9,932
  Other   3   387   ---   ---
Total C&I - Other commercial and industrial   18 $ 1,346   7 $ 10,125
                   
CRE - Retail Properties:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   2   372   1   796
  Other   ---   ---   ---   ---
Total CRE - Retail properties   2 $ 372   1 $ 796
                   
CRE - Multi family:                
                   
  Interest rate reduction   2 $ 1,236   4 $ 1,180
  Amortization or maturity date change   1   117   2   465
  Other   ---   ---   ---   ---
Total CRE - Multi family   3 $ 1,353   6 $ 1,645
                   
CRE - Office:                
                   
  Interest rate reduction   --- $ ---   1 $ 116
  Amortization or maturity date change   ---   ---   1   334
  Other   ---   ---   ---   ---
Total CRE - Office   --- $ ---   2 $ 450
                   
CRE - Industrial and Warehouse:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   ---   ---   7   2,581
  Other   ---   ---   ---   ---
Total CRE - Industrial and Warehouse   --- $ ---   7 $ 2,581
                   
CRE - Other commercial real estate:                
                   
  Interest rate reduction   1 $ 898   7 $ 2,214
  Amortization or maturity date change   4   646   10   2,037
  Other   ---   ---   ---   ---
Total CRE - Other commercial real estate   5 $ 1,544   17 $ 4,251
                   
Automobile:                
                   
  Interest rate reduction   4 $ ---   1 $ ---
  Amortization or maturity date change   123   ---   112   ---
  Other   ---   ---   ---   ---
Total Automobile   127 $ ---(4)   113 $ ---(4)
                   
Residential mortgage:                
                   
  Interest rate reduction   1 $ 29   2 $ 221
  Amortization or maturity date change   76   10,866   51   5,544
  Chapter 7 bankruptcy   17   1,761   ---   ---
  Other   5   523   5   757
Total Residential mortgage   99 $ 13,179   58 $ 6,522
                   
First-lien home equity:                
                   
  Interest rate reduction   9 $ 821   --- $ ---
  Amortization or maturity date change   5   503   3   121
  Other   ---   ---   ---   ---
Total First-lien home equity   14 $ 1,324   3 $ 121
                   
Junior-lien home equity:                
                   
  Interest rate reduction   2 $ 112   2 $ 153
  Amortization or maturity date change   3   99   5   249
  Other   ---   ---   ---   ---
Total Junior-lien home equity   5 $ 211   7 $ 402
                   
Other consumer:                
                   
  Interest rate reduction   1 $ ---   --- $ ---
  Amortization or maturity date change   3   ---   2   11
  Other   ---   ---   ---   ---
Total Other consumer   4 $ ---(5)   2 $ 11(5)
                   
Total troubled debt restructurings with subsequent redefault   290 $ 21,651   241 $ 37,178
                   
(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.
(2) Automobile loans are charged-off at time of subsequent redefault. During the three-month periods ended September 30, 2012, and September 30, 2011, $103 thousand and $220 thousand, respectively, of total automobile loans were charged-off at the time of subsequent redefault.
(3) Other consumer loans are charged-off at time of subsequent redefault. During the three-month periods ended September 30, 2012, and September 30, 2011, no amount of total other consumer loans were charged-off at the time of subsequent redefault.
(4) Automobile loans are charged-off at time of subsequent redefault. During the nine-month periods ended September 30, 2012, and September 30, 2011, $749 thousand and $813 thousand, respectively, of total automobile loans were charged-off at the time of subsequent redefault.
(5) Other consumer loans are charged-off at time of subsequent redefault. During the nine-month periods ended September 30, 2012, and September 30, 2011, $62 thousand and $11 thousand, respectively, of total other consumer loans were charged-off at the time of subsequent redefault.
Loans acquired with deteriorated credit quality

The following table presents a rollforward of the accretable yield for three-month and nine-month periods ended September 30, 2012:

 

               
  Three Months Ended   Nine Months Ended
(dollar amounts in thousands) September 30, 2012   September 30, 2012
Balance, beginning of period $ 24,761     $ ---  
Impact of acquisition/purchase on March 30, 2012   ---       27,586  
Accretion   (2,982)       (5,807)  
Balance, end of period $ 21,779     $ 21,779  

The following table reflects the outstanding balance of all contractually required payments and carrying amounts of the acquired loans at September 30, 2012:

     
  September 30, 2012
(in thousands)   Ending Balance     Unpaid Balance
Commercial and industrial $ 62,253   $ 90,527
Commercial real estate   133,406     224,607
Residential mortgage   2,231     4,160
Other consumer   619     922
Total $ 198,509   $ 320,216