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
Mar. 31, 2013
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 March 31, 2013 and December 31, 2012:

 

          March 31,     December 31,
(dollar amounts in thousands)   2013     2012
                 
Loans and leases:          
    Commercial and industrial $ 17,266,611   $ 16,970,689
    Commercial real estate   5,058,876     5,399,240
    Automobile   5,035,997     4,633,820
    Home equity   8,473,654     8,335,342
    Residential mortgage   5,050,884     4,969,672
    Other consumer   397,502     419,662
  Loans and leases   41,283,524     40,728,425
  Allowance for loan and lease losses   (746,769)     (769,075)
Net loans and leases $ 40,536,755   $ 39,959,350
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 March 31, 2013 $ 21,541 $ --- $ --- $ --- $ --- $ --- $ 21,541
                                 
    Three-month period ended March 31, 2012 $ 477,501 $ 378,122 $ --- $ 13,025 $ 62,324 $ 85 $ 931,057
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:                            
    Three-month period ended March 31, 2013 $ 27,602 $ 3,903 $ --- $ --- $ 4,391 $ --- $ 35,896
                                 
    Three-month period ended March 31, 2012 $ 53,447 $ 21,469 $ 1,300,000 $ --- $ --- $ --- $ 1,374,916
NALs and Past Due Loans

The following table presents NALs by loan class at March 31, 2013 and December 31, 2012:

 

    2013   2012
(dollar amounts in thousands) March 31,   December 31,
             
Commercial and industrial:          
  Owner occupied $ 52,730   $ 53,009
  Other commercial and industrial   28,198     37,696
Total commercial and industrial $ 80,928   $ 90,705
             
Commercial real estate:          
  Retail properties $ 39,587   $ 31,791
  Multi family   17,077     19,765
  Office   26,632     30,341
  Industrial and warehouse   3,398     6,841
  Other commercial real estate   24,109     38,390
Total commercial real estate $ 110,803   $ 127,128
             
Automobile $ 6,770   $ 7,823
             
Home equity:          
  Secured by first-lien $ 31,119   $ 27,091
  Secured by junior-lien   32,286     32,434
Total home equity $ 63,405   $ 59,525
             
Residential mortgage:          
Residential mortgage $ 118,405   $ 122,452
Total residential mortgages $ 118,405   $ 122,452
             
Other consumer          
Other consumer $ ---   $ ---
Total nonaccrual loans $ 380,311   $ 407,633
             
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, 2013 and December 31, 2012: (1)

 

March 31, 2013
                              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 $ 10,278 $ 4,681 $ 35,348 $ 50,307   $ 4,348,198 $ 4,398,505   $ ---
  Purchased credit-impaired   2,022   1,264   26,547   29,833     23,495   53,328     26,547
  Other commercial and industrial   19,123   3,468   15,545   38,136     12,776,642   12,814,778     ---
Total commercial and industrial $ 31,423 $ 9,413 $ 77,440 $ 118,276   $ 17,148,335 $ 17,266,611   $ 26,547(2)
                                   
Commercial real estate:                                
  Retail properties $ 3,919 $ --- $ 8,390 $ 12,309   $ 1,272,278 $ 1,284,587   $ ---
  Multi family   4,777   1,272   11,204   17,253     925,197   942,450     ---
  Office   4,773   73   12,722   17,568     913,422   930,990     ---
  Industrial and warehouse   2,933   ---   1,909   4,842     555,747   560,589     ---
  Purchased credit-impaired   2,538   1,812   56,007   60,357     57,776   118,133     56,007
  Other commercial real estate   4,064   415   14,500   18,979     1,203,148   1,222,127     ---
Total commercial real estate $ 23,004 $ 3,572 $ 104,732 $ 131,308   $ 4,927,568 $ 5,058,876   $ 56,007(2)
                                   
Automobile $ 22,610   4,927 $ 3,534 $ 31,071   $ 5,004,926 $ 5,035,997   $ 3,531
                                   
Home equity:                                
  Secured by first-lien $ 20,634 $ 9,592 $ 33,713 $ 63,939   $ 4,581,046 $ 4,644,985   $ 7,602
  Secured by junior-lien   36,537   9,509   29,307   75,353     3,753,316   3,828,669     7,442
Total home equity $ 57,171 $ 19,101 $ 63,020 $ 139,292   $ 8,334,362 $ 8,473,654   $ 15,044
                                   
Residential mortgage:                                
  Residential mortgage $ 114,753 $ 40,632 $ 172,524 $ 327,909   $ 4,720,627 $ 5,048,536   $ 94,360(3)
  Purchased credit-impaired   ---   ---   423   423     1,925   2,348     423
Total residential mortgage $ 114,753 $ 40,632 $ 172,947 $ 328,332   $ 4,722,552 $ 5,050,884   $ 94,783
                                   
Other consumer:                                
  Other consumer $ 4,407 $ 1,639 $ 1,107 $ 7,153   $ 390,192 $ 397,345   $ 1,107
  Purchased credit-impaired   ---   ---   ---   ---     157   157     ---
Total other consumer $ 4,407 $ 1,639 $ 1,107 $ 7,153   $ 390,349 $ 397,502   $ 1,107
                                   
Total loans and leases $ 253,368 $ 79,284 $ 422,780 $ 755,432   $ 40,528,092 $ 41,283,524   $ 197,019
                                   
December 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 $ 11,409 $ 6,302 $ 31,997 $ 49,708   $ 4,236,211 $ 4,285,919   $ ---
  Purchased credit-impaired   986   3,533   26,648   31,167     23,305   54,472     26,648
  Other commercial and industrial   20,273   4,211   14,786   39,270     12,591,028   12,630,298     ---
Total commercial and industrial $ 32,668 $ 14,046 $ 73,431 $ 120,145   $ 16,850,544 $ 16,970,689   $ 26,648
                                   
Commercial real estate:                                
  Retail properties $ 3,459 $ 4,203 $ 9,677 $ 17,339   $ 1,413,520 $ 1,430,859   $ ---
  Multi family   7,961   1,314   12,062   21,337     963,063   984,400     ---
  Office   1,054   2,415   23,335   26,804     909,310   936,114     ---
  Industrial and warehouse   6,597   118   5,433   12,148     584,754   596,902     ---
  Purchased credit-impaired   556   1,751   56,660   58,967     67,956   126,923     56,660
  Other commercial real estate   2,725   2,192   25,463   30,380     1,293,662   1,324,042     ---
Total commercial real estate $ 22,352 $ 11,993 $ 132,630 $ 166,975   $ 5,232,265 $ 5,399,240   $ 56,660
                                   
Automobile $ 36,267 $ 7,803 $ 4,438 $ 48,508   $ 4,585,312 $ 4,633,820   $ 4,418
                                   
Home equity                                
  Secured by first-lien $ 26,288 $ 9,992 $ 28,322 $ 64,602   $ 4,315,985 $ 4,380,587   $ 5,202
  Secured by junior-lien   34,365   16,553   35,150   86,068     3,868,687   3,954,755     12,998
Total home equity $ 60,653 $ 26,545 $ 63,472 $ 150,670   $ 8,184,672 $ 8,335,342   $ 18,200
                                   
Residential mortgage                                
  Residential mortgage $ 118,582 $ 44,747 $ 164,035 $ 327,364   $ 4,640,065 $ 4,967,429   $ 92,925(4)
  Purchased credit-impaired   58   ---   609   667     1,576   2,243     609
Total residential mortgage $ 118,640 $ 44,747 $ 164,644 $ 328,031   $ 4,641,641 $ 4,969,672   $ 93,534
                                   
Other consumer                                
  Other consumer $ 7,431 $ 2,117 $ 1,672 $ 11,220   $ 408,302 $ 419,522   $ 1,672
  Purchased credit-impaired   ---   76   ---   76     64   140     ---
Total other consumer $ 7,431 $ 2,193 $ 1,672 $ 11,296   $ 408,366 $ 419,662   $ 1,672
                                   
Total loans and leases $ 278,011 $ 107,327 $ 440,287 $ 825,625   $ 39,902,800 $ 40,728,425   $ 201,132
                                   
                                   
(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 $88,596 thousand guaranteed by the U.S. government.
(4) Includes $90,816 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, 2013 and 2012:

 

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended March 31, 2013:                            
                                 
  ALLL balance, beginning of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
    Loan charge-offs   (13,013)   (22,368)   (5,688)   (26,531)   (7,901)   (8,641)   (84,142)
    Recoveries of loans previously charged-off   9,696   9,590   3,094   6,549   1,753   1,773   32,455
    Provision for loan and lease losses   364   (5,155)   3,588   17,076   7,559   5,956   29,388
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (7)   ---   (7)
  ALLL balance, end of period $ 238,098 $ 267,436 $ 35,973 $ 115,858 $ 63,062 $ 26,342 $ 746,769
                                 
  AULC balance, beginning of period $ 33,868 $ 4,740 $ --- $ 1,356 $ 3 $ 684 $ 40,651
    Provision for unfunded loan commitments and letters of credit   (33)   (336)   ---   556   3   14   204
  AULC balance, end of period $ 33,835 $ 4,404 $ --- $ 1,912 $ 6 $ 698 $ 40,855
                                 
  ACL balance, end of period $ 271,933 $ 271,840 $ 35,973 $ 117,770 $ 63,068 $ 27,040 $ 787,624

      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:                            
                                 
  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
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at March 31, 2013 and December 31, 2012:

 

    March 31, 2013  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 4,039,666 $ 163,029 $ 194,963 $ 847 $ 4,398,505  
  Purchased credit-impaired   4,143   4,241   44,944   ---   53,328  
  Other commercial and industrial   12,341,169   103,482   369,186   941   12,814,778  
Total commercial and industrial $ 16,384,978 $ 270,752 $ 609,093 $ 1,788 $ 17,266,611  
                         
Commercial real estate:                      
  Retail properties $ 1,108,198 $ 53,496 $ 122,893 $ --- $ 1,284,587  
  Multi family   862,711   28,545   51,080   114   942,450  
  Office   825,373   25,013   80,604   ---   930,990  
  Industrial and warehouse   512,156   9,570   38,863   ---   560,589  
  Purchased credit-impaired   15,486   14,223   88,227   197   118,133  
  Other commercial real estate   1,092,942   42,046   87,139   ---   1,222,127  
Total commercial real estate $ 4,416,866 $ 172,893 $ 468,806 $ 311 $ 5,058,876  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,367,944 $ 2,059,788 $ 772,540 $ 135,725 $ 5,335,997 (3)
                         
Home equity:                      
  Secured by first-lien $ 2,841,421 $ 1,394,209 $ 358,284 $ 51,071 $ 4,644,985  
  Secured by junior-lien   1,921,096   1,353,986   498,480   55,107   3,828,669  
Total home equity $ 4,762,517 $ 2,748,195 $ 856,764 $ 106,178 $ 8,473,654  
                         
Residential mortgage:                      
  Residential mortgage $ 2,557,420 $ 1,687,397 $ 712,712 $ 91,007 $ 5,048,536  
  Purchased credit-impaired   616   640   1,092   ---   2,348  
Total residential mortgage $ 2,558,036 $ 1,688,037 $ 713,804 $ 91,007 $ 5,050,884  
                         
Other consumer:                      
  Other consumer $ 155,349 $ 156,683 $ 56,805 $ 28,508 $ 397,345  
  Purchased credit-impaired   ---   ---   157   ---   157  
Total other consumer $ 155,349 $ 156,683 $ 56,962 $ 28,508 $ 397,502  
                         
                         
    December 31, 2012  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 3,970,597 $ 108,731 $ 205,822 $ 769 $ 4,285,919  
  Purchased credit-impaired   1,663   6,555   46,254   ---   54,472  
  Other commercial and industrial   12,146,017   145,111   337,805   1,365   12,630,298  
Total commercial and industrial $ 16,118,277 $ 260,397 $ 589,881 $ 2,134 $ 16,970,689  
                         
Commercial real estate:                      
  Retail properties $ 1,184,987 $ 63,976 $ 181,896 $ --- $ 1,430,859  
  Multi family   902,616   24,098   57,548   138   984,400  
  Office   826,533   26,488   83,093   ---   936,114  
  Industrial and warehouse   540,484   15,132   41,286   ---   596,902  
  Purchased credit-impaired   10,052   18,085   98,786   ---   126,923  
  Other commercial real estate   1,177,213   43,454   103,262   113   1,324,042  
Total commercial real estate $ 4,641,885 $ 191,233 $ 565,871 $ 251 $ 5,399,240  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,233,439 $ 1,900,824 $ 682,518 $ 117,039 $ 4,933,820 (3)
                         
Home equity:                      
  Secured by first-lien $ 2,618,888 $ 1,345,621 $ 357,019 $ 59,059 $ 4,380,587  
  Secured by junior-lien   2,046,143   1,375,636   491,226   41,750   3,954,755  
Total home equity $ 4,665,031 $ 2,721,257 $ 848,245 $ 100,809 $ 8,335,342  
                         
Residential mortgage                      
  Residential mortgage $ 2,561,210 $ 1,673,485 $ 711,750 $ 20,984 $ 4,967,429  
  Purchased credit-impaired   373   1,303   567   ---   2,243  
Total residential mortgage $ 2,561,583 $ 1,674,788 $ 712,317 $ 20,984 $ 4,969,672  
                         
Other consumer                      
  Other consumer $ 169,792 $ 167,389 $ 59,815 $ 22,526 $ 419,522  
  Purchased credit-impaired   ---   93   47   ---   140  
Total other consumer $ 169,792 $ 167,482 $ 59,862 $ 22,526 $ 419,662  
                         
                         
(1) Reflects currently updated customer credit scores.  
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.  
(3) Includes $0.3 billion of loans reflected as loans held for sale related to an automobile securitization expected to be completed in 2013.  
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, 2013 and December 31, 2012:

                                 
      Commercial Commercial     Residential Other  
(dollar amounts in thousands) and Industrial Real Estate Automobile Home Equity Mortgage Consumer Total
                                 
ALLL at March 31, 2013:                            
                                 
  Portion of ALLL balance:                            
                                 
    Attributable to purchased credit-impaired loans $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Attributable to loans individually evaluated for impairment   15,438   26,228   1,072   6,488   14,666   160   64,052
    Attributable to loans collectively evaluated for impairment   222,660   241,208   34,901   109,370   48,396   26,182   682,717
  Total ALLL balance $ 238,098 $ 267,436 $ 35,973 $ 115,858 $ 63,062 $ 26,342 $ 746,769
                                 
                                 
Loan and Lease Ending Balances at March 31, 2013:                            
                                 
  Portion of loan and lease ending balance:                            
                                 
    Attributable to purchased credit-impaired loans $ 53,328 $ 118,133 $ --- $ --- $ 2,348 $ 157 $ 173,966
    Individually evaluated for impairment   126,201   274,929   41,149   173,323   372,357   2,514   990,473
    Collectively evaluated for impairment   17,087,082   4,665,814   4,994,848   8,300,331   4,676,179   394,831   40,119,085
  Total loans and leases evaluated for impairment $ 17,266,611 $ 5,058,876 $ 5,035,997 $ 8,473,654 $ 5,050,884 $ 397,502 $ 41,283,524
                                 
                                 

                                 
                   
(dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total
                                 
ALLL at December 31, 2012                            
                                 
  Portion of ALLL balance:                            
                                 
    Attributable to purchased credit-impaired loans $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Attributable to loans individually evaluated for impairment   11,694   31,133   1,446   4,783   14,176   213   63,445
    Attributable to loans collectively evaluated for impairment   229,357   254,236   33,533   113,981   47,482   27,041   705,630
  Total ALLL balance: $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
                                 
Loan and Lease Ending Balances at December 31, 2012                            
                                 
  Portion of loan and lease ending balances:                            
                                 
    Attributable to purchased credit-impaired loans $ 54,472 $ 126,923 $ --- $ --- $ 2,243 $ 140 $ 183,778
    Individually evaluated for impairment   119,535   298,891   43,607   117,532   374,526   2,657   956,748
    Collectively evaluated for impairment   16,796,682   4,973,426   4,590,213   8,217,810   4,592,903   416,865   39,587,899
  Total loans and leases evaluated for impairment $ 16,970,689 $ 5,399,240 $ 4,633,820 $ 8,335,342 $ 4,969,672 $ 419,662 $ 40,728,425
                                 
Detailed impaired loan information by class

The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for loans and leases individually evaluated for impairment and purchased credit-impaired loans: (1), (2)

                    Three Months Ended  
  March 31, 2013   March 31, 2013  
          Unpaid           Interest  
      Ending Principal Related   Average Income  
(dollar amounts in thousands) Balance Balance (5) Allowance   Balance Recognized  
                             
With no related allowance recorded:                        
  Commercial and industrial:                        
    Owner occupied $ 4,251 $ 4,292 $ ---   $ 3,741 $ 42  
    Purchased credit-impaired   53,328   78,632   ---     53,900   1,017  
    Other commercial and industrial   1,319   2,340   ---     16,310   234  
  Total commercial and industrial $ 58,898 $ 85,264 $ ---   $ 73,951 $ 1,293  
                             
  Commercial real estate:                        
    Retail properties $ 54,681 $ 67,958 $ ---   $ 54,237 $ 704  
    Multi family   5,590   5,732   ---     5,642   88  
    Office   14,157   18,926   ---     17,849   220  
    Industrial and warehouse   13,722   14,844   ---     14,496   197  
    Purchased credit-impaired   118,133   217,938   ---     122,528   2,254  
    Other commercial real estate   10,762   11,019   ---     10,277   97  
  Total commercial real estate $ 217,045 $ 336,417 $ ---   $ 225,029 $ 3,560  
                             
  Automobile $ --- $ --- $ ---   $ --- $ ---  
                             
  Home equity:                        
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---  
    Secured by junior-lien   ---   ---   ---     ---   ---  
  Total home equity $ --- $ --- $ ---   $ --- $ ---  
                             
  Residential mortgage:                        
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---  
    Purchased credit-impaired   2,348   4,013   ---     2,296   45  
  Total residential mortgage $ 2,348 $ 4,013 $ ---   $ 2,296 $ 45  
                             
  Other consumer                        
    Other consumer $ --- $ --- $ ---   $ --- $ ---  
    Purchased credit-impaired   157   238   ---     148   3  
  Total other consumer $ 157 $ 238 $ ---   $ 148 $ 3  
                             
With an allowance recorded:                        
  Commercial and industrial: (3)                        
    Owner occupied $ 44,037 $ 56,021 $ 5,772   $ 44,251 $ 351  
    Purchased credit-impaired   ---   ---   ---     ---   ---  
    Other commercial and industrial   76,594   110,519   9,666     51,313   658  
  Total commercial and industrial $ 120,631 $ 166,540 $ 15,438   $ 95,564 $ 1,009  
                             
  Commercial real estate: (4)                        
    Retail properties $ 55,656 $ 67,791 $ 5,324   $ 55,818 $ 456  
    Multi family   16,811   18,269   2,565     17,103   177  
    Office   45,123   50,196   9,341     41,787   384  
    Industrial and warehouse   19,991   21,265   939     20,166   186  
    Purchased credit-impaired   ---   ---   ---     ---   ---  
    Other commercial real estate   38,436   47,019   8,059     44,980   379  
  Total commercial real estate $ 176,017 $ 204,540 $ 26,228   $ 179,854 $ 1,582  
                             
  Automobile $ 41,149 $ 42,500 $ 1,072   $ 42,378 $ 437  
                             
  Home equity:                        
    Secured by first-lien $ 112,731 $ 118,217 $ 2,099   $ 94,494 $ 942  
    Secured by junior-lien   60,592   82,353   4,389     50,933   592  
  Total home equity $ 173,323 $ 200,570 $ 6,488   $ 145,427 $ 1,534  
                             
  Residential mortgage (6):                        
    Residential mortgage $ 372,357 $ 412,074 $ 14,666   $ 373,441 $ 2,872  
    Purchased credit-impaired   ---   ---   ---     ---   ---  
  Total residential mortgage $ 372,357 $ 412,074 $ 14,666   $ 373,441 $ 2,872  
                             
  Other consumer:                        
    Other consumer $ 2,514 $ 2,532 $ 160   $ 2,585 $ 23  
    Purchased credit-impaired   ---   ---   ---     ---   ---  
  Total other consumer $ 2,514 $ 2,532 $ 160   $ 2,585 $ 23  

                 
  December 31, 2012
          Unpaid    
      Ending Principal Related
(dollar amounts in thousands) Balance Balance (5) Allowance
                 
With no related allowance recorded:            
  Commercial and industrial:            
    Owner occupied $ 1,050 $ 1,091 $ ---
    Purchased credit-impaired   54,472   80,294   ---
    Other commercial and industrial   31,841   54,520   ---
  Total commercial and industrial $ 87,363 $ 135,905 $ ---
                 
  Commercial real estate:            
    Retail properties $ 54,216 $ 56,569 $ ---
    Multi family   5,719   5,862   ---
    Office   20,051   24,843   ---
    Industrial and warehouse   15,013   17,476   ---
    Purchased credit-impaired   126,923   226,093   ---
    Other commercial real estate   10,479   10,728   ---
  Total commercial real estate $ 232,401 $ 341,571 $ ---
                 
                 
  Home equity:            
    Secured by first-lien $ --- $ --- $ ---
    Secured by junior-lien   ---   ---   ---
  Total home equity $ --- $ --- $ ---
                 
  Residential mortgage:            
    Residential mortgage $ --- $ --- $ ---
    Purchased credit-impaired   2,243   4,104   ---
  Total residential mortgage $ 2,243 $ 4,104 $ ---
                 
  Other consumer            
    Other consumer $ --- $ --- $ ---
    Purchased credit-impaired   140   245   ---
  Total other consumer $ 140 $ 245 $ ---
                 
With an allowance recorded:            
  Commercial and industrial: (3)            
    Owner occupied $ 46,266 $ 56,925 $ 5,730
    Purchased credit-impaired   ---   ---   ---
    Other commercial and industrial   40,378   52,996   5,964
  Total commercial and industrial $ 86,644 $ 109,921 $ 11,694
                 
  Commercial real estate: (4)            
    Retail properties $ 65,004 $ 73,000 $ 8,144
    Multi family   17,410   18,531   2,662
    Office   40,375   45,164   9,214
    Industrial and warehouse   22,450   25,374   1,092
    Purchased credit-impaired   ---   ---   ---
    Other commercial real estate   48,174   63,148   10,021
  Total commercial real estate $ 193,413 $ 225,217 $ 31,133
                 
  Automobile $ 43,607 $ 44,790 $ 1,446
                 
  Home equity:            
    Secured by first-lien $ 76,258 $ 80,831 $ 1,329
    Secured by junior-lien   41,274   63,390   3,454
  Total home equity $ 117,532 $ 144,221 $ 4,783
                 
  Residential mortgage (6):            
    Residential mortgage $ 374,526 $ 413,583 $ 14,176
    Purchased credit-impaired   ---   ---   ---
  Total residential mortgage $ 374,526 $ 413,583 $ 14,176
                 
  Other consumer:            
    Other consumer $ 2,657 $ 2,657 $ 213
    Purchased credit-impaired   ---   ---   ---
  Total other consumer $ 2,657 $ 2,657 $ 213

                                     
(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, 2013, $43,313 thousand of the $120,631 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2012, $44,265 thousand of the $86,644 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.          
(4) At March 31, 2013, $30,976 thousand of the $176,017 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2012, $31,605 thousand of the $193,413 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 March 31, 2013, $28,712 thousand of the $372,357 thousand residential mortgages loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2012, $28,695 thousand of the $374,526 thousand residential mortgage loans with an allowance recorded were guaranteed by the U.S. government.          
Detailed troubled debt restructuring information by class

The following tables present by class and by the reason for the modification, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month periods ended March 31, 2013 and 2012:

    New Troubled Debt Restructurings During The Three-Month Period Ended(1)
    March 31, 2013   March 31, 2012
      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 9 $ 4,668 $ (465)   10 $ 3,781 $ 134
  Amortization or maturity date change 11   4,853   (25)   17   2,722   (47)
  Other 5   1,673   (1)   4   1,511   1,379
Total C&I - Owner occupied 25 $ 11,194 $ (491)   31 $ 8,014 $ 1,466
                         
C&I - Other commercial and industrial:                      
                         
  Interest rate reduction 5 $ 17,569 $ 1   6 $ 1,316 $ 45
  Amortization or maturity date change 35   22,060   2,705   28   4,456   (8)
  Other 7   5,039   211   15   29,502   249
Total C&I - Other commercial and industrial 47 $ 44,668 $ 2,917   49 $ 35,274 $ 286
                         
CRE - Retail properties:                      
                         
  Interest rate reduction --- $ --- $ ---   4 $ 2,795 $ (2)
  Amortization or maturity date change 4   499   (1)   5   1,758   (18)
  Other 2   3,829   (19)   ---   ---   ---
Total CRE - Retail properties 6 $ 4,328 $ (20)   9 $ 4,553 $ (20)
                         
CRE - Multi family:                      
                         
  Interest rate reduction 3 $ 2,164 $ 11   2 $ 334 $ (5)
  Amortization or maturity date change 2   742   (1)   10   1,501   (73)
  Other 1   3,956   (33)   4   2,032   (121)
Total CRE - Multi family 6 $ 6,862 $ (23)   16 $ 3,867 $ (199)
                         
CRE - Office:                      
                         
  Interest rate reduction --- $ --- $ ---   3 $ 2,116 $ 363
  Amortization or maturity date change 5   3,864   12   ---   ---   ---
  Other ---   ---   ---   3   306   ---
Total CRE - Office 5 $ 3,864 $ 12   6 $ 2,422 $ 363
                         
CRE - Industrial and warehouse:                      
                         
  Interest rate reduction --- $ --- $ ---   1 $ 3,000 $ 4
  Amortization or maturity date change 3   641   1   3   1,438   64
  Other 1   5,867   ---   ---   ---   ---
Total CRE - Industrial and Warehouse 4 $ 6,508 $ 1   4 $ 4,438 $ 68
                         
CRE - Other commercial real estate:                      
                         
  Interest rate reduction 7 $ 643 $ (1)   --- $ --- $ ---
  Amortization or maturity date change ---   ---   ---   14   46,676   3,760
  Other ---   ---   ---   2   9,435   (2,004)
Total CRE - Other commercial real estate 7 $ 643 $ (1)   16 $ 56,111 $ 1,756
                         
Automobile:                      
                         
  Interest rate reduction 4 $ 42 $ ---   13 $ 129 $ 2
  Amortization or maturity date change 328   1,925   (20)   472   3,376   (25)
  Chapter 7 bankruptcy 249   1,639   136   ---   ---   ---
Total Automobile 581 $ 3,606 $ 116   485 $ 3,505 $ (23)
                         
Residential mortgage:                      
                         
  Interest rate reduction 6 $ 6,417 $ (43)   1 $ 33 $ ---
  Amortization or maturity date change 54   7,664   25   62   7,053   246
  Chapter 7 bankruptcy 44   4,839   133   ---   ---   ---
  Other 6   708   16   ---   ---   ---
Total Residential mortgage 110 $ 19,628 $ 131   63 $ 7,086 $ 246
                         
First-lien home equity:                      
                         
  Interest rate reduction 16 $ 1,662 $ 142   67 $ 7,614 $ 1,299
  Amortization or maturity date change 335   34,990   (3,906)   15   1,635   (5)
  Chapter 7 bankruptcy 42   2,467   577   ---   ---   ---
Total First-lien home equity 393 $ 39,119 $ (3,187)   82 $ 9,249 $ 1,294
                         
Junior-lien home equity:                      
                         
  Interest rate reduction 5 $ 150 $ 20   22 $ 932 $ 131
  Amortization or maturity date change 534   21,924   (2,826)   14   608   (16)
  Chapter 7 bankruptcy 125   1,689   1,770   ---   ---   ---
Total Junior-lien home equity 664 $ 23,763 $ (1,036)   36 $ 1,540 $ 115
                         
Other consumer:                      
                         
  Interest rate reduction 1 $ 24 $ 1   4 $ 119 $ 9
  Amortization or maturity date change 4   63   2   5   60   4
  Chapter 7 bankruptcy 14   137   16   ---   ---   ---
Total Other consumer 19 $ 224 $ 19   9 $ 179 $ 13
                         
Total new troubled debt restructurings 1,867 $ 164,407 $ (1,562)   806 $ 136,238 $ 5,365
                         
(1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.
(2) Amounts represent the financial impact via provision for loan and lease losses as a result of the modification.

The following tables present TDRs that have defaulted within one year of modification during the three-month periods ended March 31, 2013 and 2012:

 

      Troubled Debt Restructurings That Have Redefaulted(1)
      Within One Year Of Modification During The
      Three Months Ended March 31, 2013   Three Months Ended March 31, 2012
                   
(dollar amounts in thousands)   Number of Ending   Number of Ending
    Contracts Balance   Contracts Balance
                 
                   
C&I - Owner occupied:                
                   
  Interest rate reduction   --- $ ---   1 $ 1,011
  Amortization or maturity date change   3   479   1   19
  Other   3   484   ---   ---
Total C&I - Owner occupied   6 $ 963   2 $ 1,030
                   
C&I - Other commercial and industrial:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   6   42   2   144
  Other   ---   ---   2   770
Total C&I - Other commercial and industrial   6 $ 42   4 $ 914
                   
CRE - Retail Properties:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   3   945   1   224
  Other   ---   ---   ---   ---
Total CRE - Retail properties   3 $ 945   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   13   97   60   ---
  Chapter 7 bankruptcy   67   315   ---   ---
  Other   ---   ---   ---   ---
Total Automobile   80 $ 412   62 $ ---
                   
Residential mortgage:                
                   
  Interest rate reduction   --- $ ---   --- $ ---
  Amortization or maturity date change   22   2,758   20   2,703
  Chapter 7 bankruptcy   17   1,864   ---   ---
  Other   1   101   ---   ---
Total Residential mortgage   40 $ 4,723   20 $ 2,703
                   
First-lien home equity:                
                   
  Interest rate reduction   --- $ ---   8 $ 767
  Amortization or maturity date change   ---   ---   1   14
  Chapter 7 bankruptcy   4   731   ---   ---
  Other   ---   ---   ---   ---
Total First-lien home equity   4 $ 731   9 $ 781
                   
Junior-lien home equity:                
                   
  Interest rate reduction   --- $ ---   1 $ 14
  Amortization or maturity date change   ---   ---   1   15
  Chapter 7 bankruptcy   14   409   ---   ---
  Other   ---   ---   ---   ---
Total Junior-lien home equity   14 $ 409   2 $ 29
                   
Other consumer:                
                   
  Interest rate reduction   --- $ ---   1 $ ---
  Amortization or maturity date change   ---   ---   ---   ---
  Chapter 7 bankruptcy   1   2   ---   ---
  Other   ---   ---   ---   ---
Total Other consumer   1 $ 2   1 $ ---
                   
Total troubled debt restructurings with subsequent redefault   154 $ 8,227   106 $ 8,251
                   
(1) Subsequent redefault is defined as a payment redefault within 12 months of the restructuring date. Payment redefault is defined as 90-days past due for any loan within any portfolio or class. Any loan may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.
Loans acquired with deteriorated credit quality

The following table presents a rollforward of the accretable yield for three-month periods ended March 31, 2013 and 2012:

 

           
  Three Months Ended March 31,
(dollar amounts in thousands) 2013   2012
Balance, beginning of period $ 23,251   $ ---
Impact of acquisition/purchase on March 30, 2012   ---     27,586
Accretion   (3,319)     ---
Reclassification from nonaccretable difference   15,228     ---
Balance, end of period $ 35,160   $ 27,586

The following table reflects the outstanding balance of all contractually required payments and carrying amounts of the acquired loans at March 31, 2013 and December 31, 2012:

           
  March 31, 2013   December 31, 2012
(dollar amounts in thousands)   Ending Balance     Unpaid Balance     Ending Balance     Unpaid Balance
Commercial and industrial $ 53,328   $ 78,632   $ 54,472   $ 80,294
Commercial real estate   118,133     217,938     126,923     226,093
Residential mortgage   2,348     4,013     2,243     4,104
Other consumer   157     238     140     245
Total $ 173,966   $ 300,821   $ 183,778   $ 310,736