Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

v2.4.0.8
Loans and Leases and Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2014
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, 2014 and December 31, 2013:

 

          March 31,     December 31,
(dollar amounts in thousands)   2014     2013
                 
Loans and leases:          
    Commercial and industrial $ 18,045,856   $ 17,594,276
    Commercial real estate   5,031,778     4,850,094
    Automobile   6,998,792     6,638,713
    Home equity   8,373,382     8,336,318
    Residential mortgage   5,542,166     5,321,088
    Other consumer   361,934     380,011
  Loans and leases   44,353,908     43,120,500
  Allowance for loan and lease losses   (631,918)     (647,870)
Net loans and leases $ 43,721,990   $ 42,472,630
Loans acquired with deteriorated credit quality
    March 1,
(dollar amounts in thousands)   2014
Contractually required payments including interest $ 14,363
Less: nonaccretable difference   (11,234)
Cash flows expected to be collected   3,129
Less: accretable yield   (143)
Fair value of loans acquired $ 2,986

The following table presents a rollforward of the accretable yield for purchased credit impaired loans by acquisition for three-month periods ended March 31, 2014 and 2013:

             
    Three Months Ended March 31,
(dollar amounts in thousands)   2014   2013
             
Camco Financial            
Balance, beginning of period   $ ---   $ ---
Impact of acquisition/purchase on March 1, 2014     143     ---
Additions     ---     ---
Accretion     (9)     ---
Reclassification from nonaccretable difference     ---     ---
Balance, end of period   $ 134   $ ---
             
Fidelity Bank            
Balance, beginning of period   $ 27,995   $ 23,251
Additions     ---     ---
Accretion     (4,004)     (3,319)
Reclassification from nonaccretable difference     767     15,228
Balance, end of period   $ 24,758   $ 35,160

           
  March 31, 2014   December 31, 2013
(dollar amounts in thousands)   Ending Balance     Unpaid Balance     Ending Balance     Unpaid Balance
                       
Camco Financial                      
Commercial and industrial $ 709   $ 1,717   $ ---   $ ---
Commercial real estate   2,286     11,820     ---     ---
Total $ 2,995   $ 13,537   $ ---   $ ---
                       
Fidelity Bank                      
Commercial and industrial $ 35,688   $ 50,876   $ 35,526   $ 50,798
Commercial real estate   74,434     144,676     82,073     154,869
Residential mortgage   2,258     3,197     2,498     3,681
Other consumer   128     213     129     219
Total $ 112,508   $ 198,962   $ 120,226   $ 209,567
Loan Purchases and Sales
      Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total
               
                                 
  (dollar amounts in thousands)                            
                                 
  Portfolio loans and leases purchased during the:
    Three-month period ended March 31, 2014 $ 40,121 $ --- $ --- $ --- $ --- $ --- $ 40,121
                                 
    Three-month period ended March 31, 2013 $ 21,541 $ --- $ --- $ --- $ --- $ --- $ 21,541
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:
    Three-month period ended March 31, 2014 $ 54,258 $ 39 $ --- $ --- $ --- $ --- $ 54,297
                                 
    Three-month period ended March 31, 2013 $ 27,602 $ 3,903 $ --- $ --- $ 4,391 $ --- $ 35,896
NALs and Past Due Loans

The following table presents NALs by loan class at March 31, 2014 and December 31, 2013:

 

    2014   2013
(dollar amounts in thousands) March 31,   December 31,
             
Commercial and industrial:          
  Owner occupied $ 35,971   $ 38,321
  Other commercial and industrial   21,082     18,294
Total commercial and industrial $ 57,053   $ 56,615
             
Commercial real estate:          
  Retail properties $ 29,638   $ 27,328
  Multi family   12,884     9,289
  Office   13,130     18,995
  Industrial and warehouse   4,063     6,310
  Other commercial real estate   11,629     11,495
Total commercial real estate $ 71,344   $ 73,417
             
Automobile $ 6,218   $ 6,303
             
Home equity:          
  Secured by first-lien $ 39,267   $ 36,288
  Secured by junior-lien   31,595     29,901
Total home equity $ 70,862   $ 66,189
             
Residential mortgage:          
Residential mortgage $ 121,681   $ 119,532
Total residential mortgages $ 121,681   $ 119,532
             
Other consumer          
Other consumer $ ---   $ ---
Total nonaccrual loans $ 327,158   $ 322,056
             
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, 2014 and December 31, 2013: (1)

March 31, 2014
                              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 $ 11,167 $ 1,355 $ 24,523 $ 37,045   $ 4,364,856 $ 4,401,901   $ ---
  Purchased credit-impaired   2,799   163   11,554   14,516     21,881   36,397     11,554
  Other commercial and industrial   21,666   1,487   12,266   35,419     13,572,139   13,607,558     ---
Total commercial and industrial $ 35,632 $ 3,005 $ 48,343 $ 86,980   $ 17,958,876 $ 18,045,856   $ 11,554(2)
                                   
Commercial real estate:                                
  Retail properties $ 2,317 $ 2,523 $ 8,098 $ 12,938   $ 1,402,485 $ 1,415,423   $ ---
  Multi family   2,509   3,977   6,464   12,950     1,039,757   1,052,707     ---
  Office   2,532   62   5,801   8,395     944,575   952,970     ---
  Industrial and warehouse   211   225   1,012   1,448     486,567   488,015     ---
  Purchased credit-impaired   1,817   2,231   36,711   40,759     35,961   76,720     36,711
  Other commercial real estate   6,247   331   6,584   13,162     1,032,781   1,045,943     ---
Total commercial real estate $ 15,633 $ 9,349 $ 64,670 $ 89,652   $ 4,942,126 $ 5,031,778   $ 36,711(2)
                                   
Automobile $ 34,281 $ 5,993 $ 4,347 $ 44,621   $ 6,954,171 $ 6,998,792   $ 4,252
                                   
Home equity:                                
  Secured by first-lien $ 16,346 $ 8,098 $ 32,357 $ 56,801   $ 4,829,556 $ 4,886,357   $ 7,778
  Secured by junior-lien   31,693   13,261   31,969   76,923     3,410,102   3,487,025     7,716
Total home equity $ 48,039 $ 21,359 $ 64,326 $ 133,724   $ 8,239,658 $ 8,373,382   $ 15,494
                                   
Residential mortgage:                                
  Residential mortgage $ 107,113 $ 45,789 $ 154,607 $ 307,509   $ 5,232,399 $ 5,539,908   $ 85,901(3)
  Purchased credit-impaired   125   ---   117   242     2,016   2,258     117
Total residential mortgage $ 107,238 $ 45,789 $ 154,724 $ 307,751   $ 5,234,415 $ 5,542,166   $ 86,018
                                   
Other consumer:                                
  Other consumer $ 4,757 $ 793 $ 867 $ 6,417   $ 355,389 $ 361,806   $ 867
  Purchased credit-impaired   69   ---   ---   69     59   128     ---
Total other consumer $ 4,826 $ 793 $ 867 $ 6,486   $ 355,448 $ 361,934   $ 867
                                   
Total loans and leases $ 245,649 $ 86,288 $ 337,277 $ 669,214   $ 43,684,694 $ 44,353,908   $ 154,896
                                   
December 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 $ 5,935 $ 1,879 $ 25,658 $ 33,472   $ 4,314,400 $ 4,347,872   $ ---
  Purchased credit-impaired   241   433   14,562   15,236     20,290   35,526     14,562
  Other commercial and industrial   10,342   3,075   11,210   24,627     13,186,251   13,210,878     ---
Total commercial and industrial $ 16,518 $ 5,387 $ 51,430 $ 73,335   $ 17,520,941 $ 17,594,276   $ 14,562(2)
                                   
Commercial real estate:                                
  Retail properties $ 19,372 $ 1,228 $ 5,252 $ 25,852   $ 1,237,717 $ 1,263,569   $ ---
  Multi family   2,425   943   6,726   10,094     1,015,497   1,025,591     ---
  Office   1,635   545   12,700   14,880     927,413   942,293     ---
  Industrial and warehouse   465   3,714   4,395   8,574     464,319   472,893     ---
  Purchased credit-impaired   1,311   ---   39,142   40,453     41,620   82,073     39,142
  Other commercial real estate   5,922   1,134   7,192   14,248     1,049,427   1,063,675     ---
Total commercial real estate $ 31,130 $ 7,564 $ 75,407 $ 114,101   $ 4,735,993 $ 4,850,094   $ 39,142(2)
                                   
Automobile $ 45,174 $ 8,863 $ 5,140 $ 59,177   $ 6,579,536 $ 6,638,713   $ 5,055
                                   
Home equity                                
  Secured by first-lien $ 20,551 $ 8,746 $ 28,472 $ 57,769   $ 4,784,375 $ 4,842,144   $ 6,338
  Secured by junior-lien   28,965   13,071   31,392   73,428     3,420,746   3,494,174     7,645
Total home equity $ 49,516 $ 21,817 $ 59,864 $ 131,197   $ 8,205,121 $ 8,336,318   $ 13,983
                                   
Residential mortgage                                
  Residential mortgage $ 101,584 $ 41,784 $ 158,956 $ 302,324   $ 5,016,266 $ 5,318,590   $ 90,115(4)
  Purchased credit-impaired   194   ---   339   533     1,965   2,498     339
Total residential mortgage $ 101,778 $ 41,784 $ 159,295 $ 302,857   $ 5,018,231 $ 5,321,088   $ 90,454
                                   
Other consumer                                
  Other consumer $ 6,465 $ 1,276 $ 998 $ 8,739   $ 371,143 $ 379,882   $ 998
  Purchased credit-impaired   69   ---   ---   69     60   129     ---
Total other consumer $ 6,534 $ 1,276 $ 998 $ 8,808   $ 371,203 $ 380,011   $ 998
                                   
Total loans and leases $ 250,650 $ 86,691 $ 352,134 $ 689,475   $ 42,431,025 $ 43,120,500   $ 164,194
                                   
(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 acquisitions. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3) Includes $56,484 thousand guaranteed by the U.S. government.
(4) Includes $87,985 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, 2014 and 2013:

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended March 31, 2014:
                                 
  ALLL balance, beginning of period $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870
    Loan charge-offs   (16,337)   (10,110)   (8,044)   (21,059)   (8,986)   (8,475)   (73,011)
    Recoveries of loans previously charged-off   7,731   11,097   3,402   5,372   1,127   1,296   30,025
    Provision for loan and lease losses   9,784   (3,238)   (1,233)   17,733   7,350   (2,235)   28,161
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   ---   (1,127)   (1,127)
  ALLL balance, end of period $ 266,979 $ 160,306 $ 25,178 $ 113,177 $ 39,068 $ 27,210 $ 631,918
                                 
  AULC balance, beginning of period $ 49,596 $ 9,891 $ --- $ 1,763 $ 9 $ 1,640 $ 62,899
    Provision for unfunded loan commitments and letters of credit   (3,280)   (764)   ---   28   (1)   486   (3,531)
  AULC balance, end of period $ 46,316 $ 9,127 $ --- $ 1,791 $ 8 $ 2,126 $ 59,368
                                 
  ACL balance, end of period $ 313,295 $ 169,433 $ 25,178 $ 114,968 $ 39,076 $ 29,336 $ 691,286

      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
                                 
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at March 31, 2014 and December 31, 2013:

    March 31, 2014  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 4,118,040 $ 107,617 $ 170,600 $ 5,644 $ 4,401,901  
  Purchased credit-impaired   4,933   642   27,420   3,402   36,397  
  Other commercial and industrial   13,045,701   216,139   341,836   3,882   13,607,558  
Total commercial and industrial $ 17,168,674 $ 324,398 $ 539,856 $ 12,928 $ 18,045,856  
                         
Commercial real estate:                      
  Retail properties $ 1,310,593 $ 13,185 $ 91,455 $ 190 $ 1,415,423  
  Multi family   987,389   23,051   42,150   117   1,052,707  
  Office   849,428   6,137   95,257   2,148   952,970  
  Industrial and warehouse   447,762   14,368   25,885   ---   488,015  
  Purchased credit-impaired   8,378   1,088   64,561   2,693   76,720  
  Other commercial real estate   960,169   15,491   69,695   588   1,045,943  
Total commercial real estate $ 4,563,719 $ 73,320 $ 389,003 $ 5,736 $ 5,031,778  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 3,186,518 $ 2,664,896 $ 948,010 $ 199,368 $ 6,998,792  
                         
Home equity:                      
  Secured by first-lien $ 3,047,848 $ 1,412,622 $ 285,738 $ 140,149 $ 4,886,357  
  Secured by junior-lien   1,802,250   1,169,131   413,056   102,588   3,487,025  
Total home equity $ 4,850,098 $ 2,581,753 $ 698,794 $ 242,737 $ 8,373,382  
                         
Residential mortgage:                      
  Residential mortgage $ 2,999,267 $ 1,781,821 $ 701,108 $ 57,712 $ 5,539,908  
  Purchased credit-impaired   630   1,034   594   ---   2,258  
Total residential mortgage $ 2,999,897 $ 1,782,855 $ 701,702 $ 57,712 $ 5,542,166  
                         
Other consumer:                      
  Other consumer $ 159,113 $ 161,376 $ 41,007 $ 310 $ 361,806  
  Purchased credit-impaired   ---   59   69   ---   128  
Total other consumer $ 159,113 $ 161,435 $ 41,076 $ 310 $ 361,934  
                         
                         
    December 31, 2013  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 4,052,579 $ 130,645 $ 155,994 $ 8,654 $ 4,347,872  
  Purchased credit-impaired   5,015   661   27,693   2,157   35,526  
  Other commercial and industrial   12,630,512   211,860   364,343   4,163   13,210,878  
Total commercial and industrial $ 16,688,106 $ 343,166 $ 548,030 $ 14,974 $ 17,594,276  
                         
Commercial real estate:                      
  Retail properties $ 1,153,747 $ 16,003 $ 93,819 $ --- $ 1,263,569  
  Multi family   972,526   16,540   36,411   114   1,025,591  
  Office   847,411   4,866   87,722   2,294   942,293  
  Industrial and warehouse   431,057   14,138   27,698   ---   472,893  
  Purchased credit-impaired   13,127   3,586   62,577   2,783   82,073  
  Other commercial real estate   977,987   16,270   68,653   765   1,063,675  
Total commercial real estate $ 4,395,855 $ 71,403 $ 376,880 $ 5,956 $ 4,850,094  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,987,323 $ 2,517,756 $ 945,604 $ 188,030 $ 6,638,713 (3)
                         
Home equity:                      
  Secured by first-lien $ 3,018,784 $ 1,412,445 $ 299,681 $ 111,234 $ 4,842,144  
  Secured by junior-lien   1,811,102   1,213,024   413,695   56,353   3,494,174  
Total home equity $ 4,829,886 $ 2,625,469 $ 713,376 $ 167,587 $ 8,336,318  
                         
Residential mortgage                      
  Residential mortgage $ 2,837,590 $ 1,710,183 $ 699,541 $ 71,276 $ 5,318,590  
  Purchased credit-impaired   588   989   921   ---   2,498  
Total residential mortgage $ 2,838,178 $ 1,711,172 $ 700,462 $ 71,276 $ 5,321,088  
                         
Other consumer                      
  Other consumer $ 161,858 $ 157,675 $ 45,370 $ 14,979 $ 379,882  
  Purchased credit-impaired   ---   60   69   ---   129  
Total other consumer $ 161,858 $ 157,735 $ 45,439 $ 14,979 $ 380,011  
                         
(1) Reflects currently updated customer credit scores.  
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.  
(3) Included $0.3 billion of loans reflected as loans held for sale related to an automobile securitization expected to be completed in 2013. During the 2013 second quarter, this amount was transferred from loans held for sale to the automobile portfolio based on Management's intent and ability to hold these loans for the foreseeable future.  
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, 2014 and December 31, 2013:

                                 
      Commercial Commercial     Residential Other  
(dollar amounts in thousands) and Industrial Real Estate Automobile Home Equity Mortgage Consumer Total
                                 
ALLL at March 31, 2014:
                                 
  Portion of ALLL balance:
                                 
    Attributable to purchased credit-impaired loans $ 1,517 $ --- $ --- $ --- $ 119 $ --- $ 1,636
    Attributable to loans individually evaluated for impairment   11,985   32,673   597   8,209   9,876   34   63,374
    Attributable to loans collectively evaluated for impairment   253,477   127,633   24,581   104,968   29,073   27,176   566,908
  Total ALLL balance $ 266,979 $ 160,306 $ 25,178 $ 113,177 $ 39,068 $ 27,210 $ 631,918
                                 
                                 
Loan and Lease Ending Balances at March 31, 2014:
                                 
  Portion of loan and lease ending balance:
                                 
    Attributable to purchased credit-impaired loans $ 36,397 $ 76,720 $ --- $ --- $ 2,258 $ 128 $ 115,503
    Individually evaluated for impairment   125,398   268,949   33,068   223,037   368,636   1,846   1,020,934
    Collectively evaluated for impairment   17,884,061   4,686,109   6,965,724   8,150,345   5,171,272   359,960   43,217,471
  Total loans and leases evaluated for impairment $ 18,045,856 $ 5,031,778 $ 6,998,792 $ 8,373,382 $ 5,542,166 $ 361,934 $ 44,353,908
                                 
                                 

                                 
                   
(dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total
                                 
ALLL at December 31, 2013
                                 
  Portion of ALLL balance:
                                 
    Attributable to purchased credit-impaired loans $ 2,404 $ --- $ --- $ --- $ 36 $ --- $ 2,440
    Attributable to loans individually evaluated for impairment   6,129   34,935   682   8,003   10,555   136   60,440
    Attributable to loans collectively evaluated for impairment   257,268   127,622   30,371   103,128   28,986   37,615   584,990
  Total ALLL balance: $ 265,801 $ 162,557 $ 31,053 $ 111,131 $ 39,577 $ 37,751 $ 647,870
                                 
Loan and Lease Ending Balances at December 31, 2013
                                 
  Portion of loan and lease ending balances:
                                 
    Attributable to purchased credit-impaired loans $ 35,526 $ 82,073 $ --- $ --- $ 2,498 $ 129 $ 120,226
    Individually evaluated for impairment   108,316   268,362   37,084   208,981   387,937   1,041   1,011,721
    Collectively evaluated for impairment   17,450,434   4,499,659   6,601,629   8,127,337   4,930,653   378,841   41,988,553
  Total loans and leases evaluated for impairment $ 17,594,276 $ 4,850,094 $ 6,638,713 $ 8,336,318 $ 5,321,088 $ 380,011 $ 43,120,500
                                 
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, 2014   March 31, 2014
            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   $ 4,108 $ 4,403 $ ---   $ 4,906 $ 49
    Purchased credit-impaired     ---   ---   ---     ---   ---
    Other commercial and industrial     8,548   16,944   ---     7,610   97
  Total commercial and industrial   $ 12,656 $ 21,347 $ ---   $ 12,516 $ 146
                             
  Commercial real estate:                        
    Retail properties   $ 59,637 $ 71,718 $ ---   $ 54,290 $ 605
    Multi family     ---   ---   ---     ---   ---
    Office     1,167   3,647   ---     6,406   189
    Industrial and warehouse     7,990   8,070   ---     9,087   108
    Purchased credit-impaired     76,720   156,497   ---     79,396   2,666
    Other commercial real estate     5,650   5,715   ---     5,827   57
  Total commercial real estate   $ 151,164 $ 245,647 $ ---   $ 155,006 $ 3,625
                             
  Automobile   $ --- $ --- $ ---   $ --- $ ---
                             
  Home equity:                        
    Secured by first-lien   $ --- $ --- $ ---   $ --- $ ---
    Secured by junior-lien     ---   ---   ---     ---   ---
  Total home equity   $ --- $ --- $ ---   $ --- $ ---
                             
  Residential mortgage:                        
    Residential mortgage   $ --- $ --- $ ---   $ --- $ ---
    Purchased credit-impaired     ---   ---   ---     ---   ---
  Total residential mortgage   $ --- $ --- $ ---   $ --- $ ---
                             
  Other consumer                        
    Other consumer   $ --- $ --- $ ---   $ --- $ ---
    Purchased credit-impaired     128   213   ---     128   4
  Total other consumer   $ 128 $ 213 $ ---   $ 128 $ 4
                             
With an allowance recorded:                        
  Commercial and industrial: (3)                        
    Owner occupied   $ 41,046 $ 45,658 $ 3,811   $ 39,229 $ 399
    Purchased credit-impaired     36,397   52,593   1,517     35,961   1,265
    Other commercial and industrial     71,696   79,269   8,174     51,532   592
  Total commercial and industrial   $ 149,139 $ 177,520 $ 13,502   $ 126,722 $ 2,256
                             
  Commercial real estate: (4)                        
    Retail properties   $ 62,338 $ 81,106 $ 5,740   $ 68,637 $ 577
    Multi family     17,113   22,958   2,142     14,739   152
    Office     56,148   58,645   13,192     51,189   536
    Industrial and warehouse     8,875   10,320   763     9,196   48
    Purchased credit-impaired     ---   ---   ---     ---   ---
    Other commercial real estate     50,031   61,614   10,836     44,090   474
  Total commercial real estate   $ 194,505 $ 234,643 $ 32,673   $ 187,851 $ 1,787
                             
  Automobile   $ 33,068 $ 34,797 $ 597   $ 35,076 $ 683
                             
  Home equity:                        
    Secured by first-lien   $ 114,817 $ 122,197 $ 2,457   $ 112,420 $ 1,239
    Secured by junior-lien     108,220   151,006   5,752     103,589   1,314
  Total home equity   $ 223,037 $ 273,203 $ 8,209   $ 216,009 $ 2,553
                             
  Residential mortgage (6):                        
    Residential mortgage   $ 368,636 $ 408,589 $ 9,876   $ 378,287 $ 2,864
    Purchased credit-impaired     2,258   3,197   119     2,378   78
  Total residential mortgage   $ 370,894 $ 411,786 $ 9,995   $ 380,665 $ 2,942
                             
  Other consumer:                        
    Other consumer   $ 1,846 $ 1,908 $ 34   $ 1,444 $ 33
    Purchased credit-impaired     ---   ---   ---     ---   ---
  Total other consumer   $ 1,846 $ 1,908 $ 34   $ 1,444 $ 33

                      Three Months Ended
    December 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   $ 5,332 $ 5,373 $ ---   $ 3,741 $ 42
    Purchased credit-impaired     ---   ---   ---     53,900   1,017
    Other commercial and industrial     11,884   15,031   ---     16,310   234
  Total commercial and industrial   $ 17,216 $ 20,404 $ ---   $ 73,951 $ 1,293
                             
  Commercial real estate:                        
    Retail properties   $ 55,773 $ 64,780 $ ---   $ 54,237 $ 704
    Multi family     ---   ---   ---     5,642   88
    Office     9,069   13,721   ---     17,849   220
    Industrial and warehouse     9,682   10,803   ---     14,496   197
    Purchased credit-impaired     82,073   154,869   ---     122,528   2,254
    Other commercial real estate     6,002   6,924   ---     10,277   97
  Total commercial real estate   $ 162,599 $ 251,097 $ ---   $ 225,029 $ 3,560
                             
                             
  Home equity:                        
    Secured by first-lien   $ --- $ --- $ ---   $ --- $ ---
    Secured by junior-lien     ---   ---   ---     ---   ---
  Total home equity   $ --- $ --- $ ---   $ --- $ ---
                             
  Residential mortgage:                        
    Residential mortgage   $ --- $ --- $ ---   $ --- $ ---
    Purchased credit-impaired     ---   ---   ---     ---   ---
  Total residential mortgage   $ --- $ --- $ ---   $ --- $ ---
                             
  Other consumer                        
    Other consumer   $ --- $ --- $ ---   $ --- $ ---
    Purchased credit-impaired     129   219   ---     148   3
  Total other consumer   $ 129 $ 219 $ ---   $ 148 $ 3
                             
With an allowance recorded:                        
  Commercial and industrial: (3)                        
    Owner occupied   $ 40,271 $ 52,810 $ 3,421   $ 44,251 $ 351
    Purchased credit-impaired     35,526   50,798   2,404     ---   ---
    Other commercial and industrial     50,829   64,497   2,708     51,313   658
  Total commercial and industrial   $ 126,626 $ 168,105 $ 8,533   $ 95,564 $ 1,009
                             
  Commercial real estate: (4)                        
    Retail properties   $ 72,339 $ 93,395 $ 5,984   $ 55,818 $ 456
    Multi family     13,484   15,408   1,944     17,103   177
    Office     50,307   54,921   9,927     41,787   384
    Industrial and warehouse     9,162   10,561   808     20,166   186
    Purchased credit-impaired     ---   ---   ---     ---   ---
    Other commercial real estate     42,544   50,960   16,272     44,980   379
  Total commercial real estate   $ 187,836 $ 225,245 $ 34,935   $ 179,854 $ 1,582
                             
  Automobile   $ 37,084 $ 38,758 $ 682   $ 42,378 $ 437
                             
  Home equity:                        
    Secured by first-lien   $ 110,024 $ 116,846 $ 2,396   $ 94,494 $ 942
    Secured by junior-lien     98,957   143,967   5,607     50,933   592
  Total home equity   $ 208,981 $ 260,813 $ 8,003   $ 145,427 $ 1,534
                             
  Residential mortgage (6):                        
    Residential mortgage   $ 387,937 $ 427,924 $ 10,555   $ 373,441 $ 2,872
    Purchased credit-impaired     2,498   3,681   36     2,296   45
  Total residential mortgage   $ 390,435 $ 431,605 $ 10,591   $ 375,737 $ 2,917
                             
  Other consumer:                        
    Other consumer   $ 1,041 $ 1,041 $ 136   $ 2,585 $ 23
    Purchased credit-impaired     ---   ---   ---     ---   ---
  Total other consumer   $ 1,041 $ 1,041 $ 136   $ 2,585 $ 23

                                     
(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, 2014, $48,212 thousand of the $149,139 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2013, $43,805 thousand of the $126,626 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.          
(4) At March 31, 2014, $25,749 thousand of the $194,505 thousand commercial real estate loans with an allowance recorded were considered impaired due to their status as a TDR. At December 31, 2013, $24,805 thousand of the $187,836 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, 2014, $32,251 thousand of the $370,894 thousand residential mortgages loans with an allowance recorded were guaranteed by the U.S. government. At December 31, 2013, $49,225 thousand of the $390,435 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, 2014 and 2013:

    New Troubled Debt Restructurings During The Three-Month Period Ended(1)
    March 31, 2014   March 31, 2013
      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 6 $ 924 $ (1)   9 $ 4,668 $ (465)
  Amortization or maturity date change 18   4,609   4   11   4,853   (25)
  Other 2   840   (1)   5   1,673   (1)
Total C&I - Owner occupied 26 $ 6,373 $ 2   25 $ 11,194 $ (491)
                         
C&I - Other commercial and industrial:                      
  Interest rate reduction 10 $ 27,994 $ (147)   5 $ 17,569 $ 1
  Amortization or maturity date change 54   32,600   937   35   22,060   2,705
  Other 4   4,366   23   7   5,039   211
Total C&I - Other commercial and industrial 68 $ 64,960 $ 813   47 $ 44,668 $ 2,917
                         
CRE - Retail properties:                      
  Interest rate reduction 3 $ 11,105 $ 421   --- $ --- $ ---
  Amortization or maturity date change 5   12,238   52   4   499   (1)
  Other 6   9,897   (91)   2   3,829   (19)
Total CRE - Retail properties 14 $ 33,240 $ 382   6 $ 4,328 $ (20)
                         
CRE - Multi family:                      
  Interest rate reduction 10 $ 645 $ ---   3 $ 2,164 $ 11
  Amortization or maturity date change 4   203   (1)   2   742   (1)
  Other 2   323   ---   1   3,956   (33)
Total CRE - Multi family 16 $ 1,171 $ (1)   6 $ 6,862 $ (23)
                         
CRE - Office:                      
  Interest rate reduction 2 $ 120 $ (1)   --- $ --- $ ---
  Amortization or maturity date change 4   3,132   ---   5   3,864   12
  Other 1   10,784   ---   ---   ---   ---
Total CRE - Office 7 $ 14,036 $ (1)   5 $ 3,864 $ 12
                         
CRE - Industrial and warehouse:                      
  Interest rate reduction 2 $ 4,046 $ ---   --- $ --- $ ---
  Amortization or maturity date change 3   1,173   (4)   3   641   1
  Other 1   977   ---   1   5,867   ---
Total CRE - Industrial and Warehouse 6 $ 6,196 $ (4)   4 $ 6,508 $ 1
                         
CRE - Other commercial real estate:                      
  Interest rate reduction 4 $ 4,304 $ 7   7 $ 643 $ (1)
  Amortization or maturity date change 21   46,536   126   ---   ---   ---
  Other 2   928   (1)   ---   ---   ---
Total CRE - Other commercial real estate 27 $ 51,768 $ 132   7 $ 643 $ (1)
                         
Automobile:                      
  Interest rate reduction 1 $ 2 $ ---   4 $ 42 $ ---
  Amortization or maturity date change 206   1,349   (7)   328   1,925   (20)
  Chapter 7 bankruptcy 180   1,361   (26)   249   1,639   136
Total Automobile 387 $