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

Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

Loans and Leases and Allowance for Credit Losses (Tables)

3 Months Ended

Jun. 30, 2014

Loans / Leases and Allowance for Credit Losses [Abstract]

The following table provides a detailed listing of Huntington's loan and lease portfolio at June 30, 2014 and December 31, 2013:

				June 30,		December 31,
(dollar amounts in thousands)				2014		2013

Loans and leases:
		Commercial and industrial	$	18,899,458	$	17,594,276
		Commercial real estate		4,990,317		4,850,094
		Automobile		7,685,725		6,638,713
		Home equity		8,405,078		8,336,318
		Residential mortgage		5,707,424		5,321,088
		Other consumer		391,773		380,011
	Loans and leases			46,079,775		43,120,500
	Allowance for loan and lease losses			(635,101)		(647,870)
Net loans and leases			$	45,444,674	$	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 and six-month periods ended June 30, 2014 and 2013:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollar amounts in thousands)	2014		2013		2014		2013

Fidelity Bank
Balance, beginning of period	$	24,758	$	35,160	$	27,995	$	23,251
Additions		---		---		---		---
Accretion		(3,647)		(3,781)		(7,651)		(7,100)
Reclassification from nonaccretable difference		3,485		1,326		4,252		16,554
Balance, end of period	$	24,596	$	32,705	$	24,596	$	32,705

Camco Financial
Balance, beginning of period	$	134	$	---	$	---	$	---
Impact of acquisition/purchase on March 1, 2014		---		---		143		---
Additions		---		---		---		---
Accretion		(5,173)		---		(5,182)		---
Reclassification from nonaccretable difference		5,193		---		5,193		---
Balance, end of period	$	154	$	---	$	154	$	---


	June 30, 2014				December 31, 2013
(dollar amounts in thousands)		Ending Balance		Unpaid Balance		Ending Balance		Unpaid Balance

Fidelity Bank
Commercial and industrial	$	34,704	$	49,914	$	35,526	$	50,798
Commercial real estate		55,256		119,152		82,073		154,869
Residential mortgage		2,359		3,242		2,498		3,681
Other consumer		53		133		129		219
Total	$	92,372	$	172,441	$	120,226	$	209,567

Camco Financial
Commercial and industrial	$	673	$	1,706	$	---	$	---
Commercial real estate		2,039		3,879		---		---
Total	$	2,712	$	5,585	$	---	$	---

Loan Purchases and Sales

		Commercial and Industrial		Commercial Real Estate		Automobile		Home Equity		Residential Mortgage		Other Consumer		Total
		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 June 30, 2014	$	165,482	$	---	$	---	$	---	$	---	$	---	$	165,482
	Six-month period ended June 30, 2014	$	205,603	$	---	$	---	$	---	$	---	$	---	$	205,603

	Three-month period ended June 30, 2013	$	34,196	$	---	$	---	$	---	$	---	$	---	$	34,196
	Six-month period ended June 30, 2013	$	55,737	$	---	$	---	$	---	$	---	$	---	$	55,737

Portfolio loans and leases sold or transferred to loans held for sale during the:
	Three-month period ended June 30, 2014	$	50,472	$	7,395	$	---	$	---	$	---	$	7,592	$	65,459
	Six-month period ended June 30, 2014	$	104,731	$	7,434	$	---	$	---	$	---		7,592	$	119,757

	Three-month period ended June 30, 2013	$	55,464	$	87	$	---	$	---	$	151,013	$	---	$	206,564
	Six-month period ended June 30, 2013	$	83,066	$	3,991	$	---	$	---	$	155,403	$	---	$	242,460

NALs and Past Due Loans

The following table presents NALs by loan class at June 30, 2014 and December 31, 2013:

		2014		2013
(dollar amounts in thousands)		June 30,		December 31,

Commercial and industrial:
	Owner occupied	$	33,378	$	38,321
	Other commercial and industrial		41,896		18,294
Total commercial and industrial		$	75,274	$	56,615

Commercial real estate:
	Retail properties	$	26,253	$	27,328
	Multi family		13,352		9,289
	Office		10,671		18,995
	Industrial and warehouse		4,159		6,310
	Other commercial real estate		10,963		11,495
Total commercial real estate		$	65,398	$	73,417

Automobile		$	4,384	$	6,303

Home equity:
	Secured by first-lien	$	39,764	$	36,288
	Secured by junior-lien		29,502		29,901
Total home equity		$	69,266	$	66,189

Residential mortgage:
Residential mortgage		$	110,635	$	119,532
Total residential mortgages		$	110,635	$	119,532

Other consumer
Other consumer		$	---	$	---
Total nonaccrual loans		$	324,957	$	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 June 30, 2014 and December 31, 2013: (1)

June 30, 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	$	6,809	$	3,082	$	24,724	$	34,615	$	4,236,698	$	4,271,313	$	---
	Purchased credit-impaired		642		1,040		9,952		11,634		23,743		35,377		9,977
	Other commercial and industrial		7,680		3,262		10,155		21,097		14,571,671		14,592,768		---
Total commercial and industrial		$	15,131	$	7,384	$	44,831	$	67,346	$	18,832,112	$	18,899,458	$	9,977⁽²⁾

Commercial real estate:
	Retail properties	$	1,703	$	841	$	6,828	$	9,372	$	1,366,874	$	1,376,246	$	---
	Multi family		3,510		246		10,288		14,044		1,042,683		1,056,727		---
	Office		1,968		978		6,019		8,965		936,700		945,665		---
	Industrial and warehouse		2,197		618		974		3,789		510,914		514,703		---
	Purchased credit-impaired		3,546		6,851		27,267		37,664		19,631		57,295		27,267
	Other commercial real estate		2,460		2,271		5,112		9,843		1,029,838		1,039,681		---
Total commercial real estate		$	15,384	$	11,805	$	56,488	$	83,677	$	4,906,640	$	4,990,317	$	27,267⁽²⁾

Automobile		$	39,465	$	7,662	$	2,976	$	50,103	$	7,635,622	$	7,685,725	$	2,895

Home equity:
	Secured by first-lien	$	16,816	$	9,106	$	30,067	$	55,989	$	4,896,673	$	4,952,662	$	5,801
	Secured by junior-lien		23,175		12,337		32,495		68,007		3,384,409		3,452,416		9,111
Total home equity		$	39,991	$	21,443	$	62,562	$	123,996	$	8,281,082	$	8,405,078	$	14,912

Residential mortgage:
	Residential mortgage	$	115,573	$	40,103	$	136,859	$	292,535	$	5,412,530	$	5,705,065	$	81,315
	Purchased credit-impaired		---		---		36		36		2,323		2,359		35
Total residential mortgage		$	115,573	$	40,103	$	136,895	$	292,571	$	5,414,853	$	5,707,424	$	81,350⁽³⁾

Other consumer:
	Other consumer	$	5,881	$	1,160	$	607	$	7,648	$	384,072	$	391,720	$	607
	Purchased credit-impaired		---		---		---		---		53		53		---
Total other consumer		$	5,881	$	1,160	$	607	$	7,648	$	384,125	$	391,773	$	607

Total loans and leases		$	231,425	$	89,557	$	304,359	$	625,341	$	45,454,434	$	46,079,775	$	137,008

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
	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⁽⁴⁾

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 $51,641 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 and six-month periods ended June 30, 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 June 30, 2014:

	ALLL balance, beginning of period		$	266,979	$	160,306	$	25,178	$	113,177	$	39,068	$	27,210	$	631,918
		Loan charge-offs		(23,245)		(2,998)		(6,632)		(13,201)		(6,062)		(6,689)		(58,827)
		Recoveries of loans previously charged-off		12,648		5,189		3,706		4,710		2,656		1,275		30,184
		Provision for loan and lease losses		22,130		(25,151)		4,906		1,257		11,529		17,155		31,826
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		---		---		---
	ALLL balance, end of period		$	278,512	$	137,346	$	27,158	$	105,943	$	47,191	$	38,951	$	635,101

	AULC balance, beginning of period		$	46,316	$	9,127	$	---	$	1,791	$	8	$	2,126	$	59,368
		Provision for unfunded loan commitments and letters of credit		(1,566)		(1,597)		---		186		---		536		(2,441)
	AULC balance, end of period		$	44,750	$	7,530	$	---	$	1,977	$	8	$	2,662	$	56,927

	ACL balance, end of period		$	323,262	$	144,876	$	27,158	$	107,920	$	47,199	$	41,613	$	692,028

Six-month period ended June 30, 2014:

	ALLL balance, beginning of period		$	265,801	$	162,557	$	31,053	$	111,131	$	39,577	$	37,751	$	647,870
		Loan charge-offs		(39,582)		(13,108)		(14,676)		(34,260)		(15,048)		(15,164)		(131,838)
		Recoveries of loans previously charged-off		20,379		16,286		7,108		10,082		3,783		2,571		60,209
		Provision for loan and lease losses		31,914		(28,389)		3,673		18,990		18,879		14,920		59,987
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		---		(1,127)		(1,127)
	ALLL balance, end of period		$	278,512	$	137,346	$	27,158	$	105,943	$	47,191	$	38,951	$	635,101

	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		(4,846)		(2,361)		---		214		(1)		1,022		(5,972)
	AULC balance, end of period		$	44,750	$	7,530	$	---	$	1,977	$	8	$	2,662	$	56,927

	ACL balance, end of period		$	323,262	$	144,876	$	27,158	$	107,920	$	47,199	$	41,613	$	692,028

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

Three-month period ended June 30, 2013:

	ALLL balance, beginning of period		$	238,098	$	267,436	$	35,973	$	115,858	$	63,062	$	26,342	$	746,769
		Loan charge-offs		(8,981)		(14,194)		(5,219)		(17,766)		(9,692)		(7,386)		(63,238)
		Recoveries of loans previously charged-off		7,395		11,810		3,756		3,112		1,072		1,303		28,448
		Provision for loan and lease losses		(2,833)		(9,203)		5,480		14,422		9,617		3,871		21,354
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		(257)		---		(257)
	ALLL balance, end of period		$	233,679	$	255,849	$	39,990	$	115,626	$	63,802	$	24,130	$	733,076

	AULC balance, beginning of period		$	33,835	$	4,404	$	---	$	1,912	$	6	$	698	$	40,855
		Provision for unfunded loan commitments and letters of credit		3,636		4		---		(224)		---		(48)		3,368
	AULC balance, end of period		$	37,471	$	4,408	$	---	$	1,688	$	6	$	650	$	44,223

	ACL balance, end of period		$	271,150	$	260,257	$	39,990	$	117,314	$	63,808	$	24,780	$	777,299

Six-month period ended June 30, 2013:

	ALLL balance, beginning of period		$	241,051	$	285,369	$	34,979	$	118,764	$	61,658	$	27,254	$	769,075
		Loan charge-offs		(21,994)		(36,561)		(10,907)		(44,298)		(17,593)		(16,027)		(147,380)
		Recoveries of loans previously charged-off		17,091		21,400		6,850		9,661		2,825		3,076		60,903
		Provision for loan and lease losses		(2,469)		(14,359)		9,068		31,499		17,176		9,827		50,742
		Allowance for loans sold or transferred to loans held for sale		---		---		---		---		(264)		---		(264)
	ALLL balance, end of period		$	233,679	$	255,849	$	39,990	$	115,626	$	63,802	$	24,130	$	733,076

	AULC balance, beginning of period		$	33,868	$	4,740	$	---	$	1,356	$	3	$	684	$	40,651
		Provision for unfunded loan commitments and letters of credit		3,603		(332)		---		332		3		(34)		3,572
	AULC balance, end of period		$	37,471	$	4,408	$	---	$	1,688	$	6	$	650	$	44,223

	ACL balance, end of period		$	271,150	$	260,257	$	39,990	$	117,314	$	63,808	$	24,780	$	777,299

Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at June 30, 2014 and December 31, 2013:

		June 30, 2014
		Credit Risk Profile by UCS classification
(dollar amounts in thousands)		Pass		OLEM		Substandard		Doubtful		Total
Commercial and industrial:
	Owner occupied	$	4,001,530	$	105,226	$	158,574	$	5,983	$	4,271,313
	Purchased credit-impaired		4,307		672		26,167		4,231		35,377
	Other commercial and industrial		13,941,853		222,642		414,020		14,253		14,592,768
Total commercial and industrial		$	17,947,690	$	328,540	$	598,761	$	24,467	$	18,899,458

Commercial real estate:
	Retail properties	$	1,308,627	$	9,349	$	57,460	$	810	$	1,376,246
	Multi family		998,890		14,482		42,955		400		1,056,727
	Office		834,505		25,288		83,871		2,001		945,665
	Industrial and warehouse		486,423		2,362		25,918		---		514,703
	Purchased credit-impaired		7,144		100		48,989		1,062		57,295
	Other commercial real estate		962,005		9,271		67,615		790		1,039,681
Total commercial real estate		$	4,597,594	$	60,852	$	326,808	$	5,063	$	4,990,317

		Credit Risk Profile by FICO score (1)
		750+		650-749		<650		Other (2)		Total
Automobile		$	3,633,353	$	2,888,327	$	943,156	$	220,889	$	7,685,725

Home equity:
	Secured by first-lien	$	3,108,652	$	1,352,840	$	275,292	$	215,878	$	4,952,662
	Secured by junior-lien		1,821,778		1,123,018		376,909		130,711		3,452,416
Total home equity		$	4,930,430	$	2,475,858	$	652,201	$	346,589	$	8,405,078

Residential mortgage:
	Residential mortgage	$	3,191,048	$	1,755,629	$	649,868	$	108,520	$	5,705,065
	Purchased credit-impaired		591		1,168		600		---		2,359
Total residential mortgage		$	3,191,639	$	1,756,797	$	650,468	$	108,520	$	5,707,424

Other consumer:
	Other consumer	$	172,405	$	166,257	$	42,440	$	10,618	$	391,720
	Purchased credit-impaired		---		53		---		---		53
Total other consumer		$	172,405	$	166,310	$	42,440	$	10,618	$	391,773


		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

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.

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 June 30, 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 June 30, 2014:

	Portion of ALLL balance:

		Attributable to purchased credit-impaired loans	$	2,858	$	---	$	---	$	---	$	213	$	10	$	3,081
		Attributable to loans individually evaluated for impairment		15,902		27,524		1,017		22,680		21,338		125		88,586
		Attributable to loans collectively evaluated for impairment		259,752		109,822		26,141		83,263		25,640		38,816		543,434
	Total ALLL balance		$	278,512	$	137,346	$	27,158	$	105,943	$	47,191	$	38,951	$	635,101

Loan and Lease Ending Balances at June 30, 2014:

	Portion of loan and lease ending balance:

		Attributable to purchased credit-impaired loans	$	35,377	$	57,295	$	---	$	---	$	2,359	$	53	$	95,084
		Individually evaluated for impairment		157,727		269,301		36,120		269,539		405,402		3,616		1,141,705
		Collectively evaluated for impairment		18,706,354		4,663,721		7,649,605		8,135,539		5,299,663		388,104		44,842,986
	Total loans and leases evaluated for impairment		$	18,899,458	$	4,990,317	$	7,685,725	$	8,405,078	$	5,707,424	$	391,773	$	46,079,775



(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				Six Months Ended
			June 30, 2014						June 30, 2014				June 30, 2014
					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	$	3,012	$	3,012	$	---	$	3,680	$	35	$	4,293	$	84
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial and industrial		8,739		17,408		---		7,558		89		7,584		186
	Total commercial and industrial		$	11,751	$	20,420	$	---	$	11,238	$	124	$	11,877	$	270

	Commercial real estate:
		Retail properties	$	51,004	$	52,562	$	---	$	55,039	$	632	$	54,665	$	1,237
		Multi family		---		---		---		---		---		---		---
		Office		4,861		8,499		---		2,394		40		4,400		229
		Industrial and warehouse		4,628		4,687		---		5,114		68		7,100		176
		Purchased credit-impaired		57,295		123,030		---		67,008		5,315		72,030		7,733
		Other commercial real estate		9,280		9,761		---		6,849		79		6,338		136
	Total commercial real estate		$	127,068	$	198,539	$	---	$	136,404	$	6,134	$	144,533	$	9,511

	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		---		---		---		---		---		---		---
	Total other consumer		$	---	$	---	$	---	$	---	$	---	$	---	$	---

With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	40,746	$	44,604	$	3,092	$	40,748	$	390	$	39,796	$	789
		Purchased credit-impaired		35,377		51,621		2,858		35,887		3,282		35,767		4,775
		Other commercial and industrial		105,230		123,442		12,810		78,200		688		64,840		1,279
	Total commercial and industrial		$	181,353	$	219,667	$	18,760	$	154,835	$	4,360	$	140,403	$	6,843

	Commercial real estate: (4)
		Retail properties	$	68,573	$	96,764	$	5,423	$	64,092	$	487	$	66,349	$	1,064
		Multi family		16,903		22,390		2,462		17,024		164		15,827		315
		Office		52,647		55,030		8,622		54,025		610		52,723		1,146
		Industrial and warehouse		8,015		8,958		693		8,658		61		8,897		109
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial real estate		53,390		63,443		10,324		50,778		541		47,501		1,015
	Total commercial real estate		$	199,528	$	246,585	$	27,524	$	194,577	$	1,863	$	191,297	$	3,649

	Automobile		$	36,120	$	36,366	$	1,017	$	34,594	$	719	$	35,424	$	1,402

	Home equity:
		Secured by first-lien	$	130,081	$	136,330	$	7,453	$	122,449	$	1,371	$	118,307	$	2,610
		Secured by junior-lien		139,458		178,767		15,227		123,839		1,547		115,545		2,861
	Total home equity		$	269,539	$	315,097	$	22,680	$	246,288	$	2,918	$	233,852	$	5,471

	Residential mortgage (6):
		Residential mortgage	$	405,402	$	454,662	$	21,338	$	387,019	$	2,984	$	387,325	$	5,848
		Purchased credit-impaired		2,359		3,242		213		2,308		219		2,371		318
	Total residential mortgage		$	407,761	$	457,904	$	21,551	$	389,327	$	3,203	$	389,696	$	6,166

	Other consumer:
		Other consumer	$	3,616	$	3,651	$	125	$	2,731	$	60	$	2,168	$	93
		Purchased credit-impaired		53		133		10		90		5		103		7
	Total other consumer		$	3,669	$	3,784	$	135	$	2,821	$	65	$	2,271	$	100

									Three Months Ended				Six Months Ended
			December 31, 2013						June 30, 2013				June 30, 2013
					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	$	5,332	$	5,373	$	---	$	4,668	$	42	$	4,204	$	84
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial and industrial		11,884		15,031		---		6,603		71		11,456		306
	Total commercial and industrial		$	17,216	$	20,404	$	---	$	11,271	$	113	$	15,660	$	390

	Commercial real estate:
		Retail properties	$	55,773	$	64,780	$	---	$	48,806	$	606	$	51,522	$	1,310
		Multi family		---		---		---		4,662		70		5,152		158
		Office		9,069		13,721		---		12,473		311		15,161		531
		Industrial and warehouse		9,682		10,803		---		10,625		152		12,560		349
		Purchased credit-impaired		82,073		154,869		---		112,163		2,531		117,083		4,753
		Other commercial real estate		6,002		6,924		---		9,250		127		9,764		224
	Total commercial real estate		$	162,599	$	251,097	$	---	$	197,979	$	3,797	$	211,242	$	7,325


	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		---		144		3		143		6
	Total other consumer		$	129	$	219	$	---	$	144	$	3	$	143	$	6

With an allowance recorded:
	Commercial and industrial: (3)
		Owner occupied	$	40,271	$	52,810	$	3,421	$	42,193	$	340	$	43,158	$	691
		Purchased credit-impaired		35,526		50,798		2,404		51,784		1,198		52,682		2,249
		Other commercial and industrial		50,829		64,497		2,708		73,533		966		62,427		1,624
	Total commercial and industrial		$	126,626	$	168,105	$	8,533	$	167,510	$	2,504	$	158,267	$	4,564

	Commercial real estate: (4)
		Retail properties	$	72,339	$	93,395	$	5,984	$	53,584	$	399	$	54,780	$	855
		Multi family		13,484		15,408		1,944		15,058		154		15,961		331
		Office		50,307		54,921		9,927		48,321		417		45,158		801
		Industrial and warehouse		9,162		10,561		808		19,138		183		19,624		368
		Purchased credit-impaired		---		---		---		---		---		---		---
		Other commercial real estate		42,544		50,960		16,272		34,941		439		39,967		818
	Total commercial real estate		$	187,836	$	225,245	$	34,935	$	171,042	$	1,592	$	175,490	$	3,173

	Automobile		$	37,084	$	38,758	$	682	$	40,830	$	866	$	41,756	$	1,303

	Home equity:
		Secured by first-lien	$	110,024	$	116,846	$	2,396	$	99,684	$	950	$	91,875	$	1,892
		Secured by junior-lien		98,957		143,967		5,607		59,971		721		53,739		1,313
	Total home equity		$	208,981	$	260,813	$	8,003	$	159,655	$	1,671	$	145,614	$	3,205

	Residential mortgage (6):
		Residential mortgage	$	387,937	$	427,924	$	10,555	$	373,426	$	2,870	$	373,793	$	5,742
		Purchased credit-impaired		2,498		3,681		36		2,200		49		2,214		92
	Total residential mortgage		$	390,435	$	431,605	$	10,591	$	375,626	$	2,919	$	376,007	$	5,834

	Other consumer:
		Other consumer	$	1,041	$	1,041	$	136	$	2,948	$	32	$	2,851	$	55
		Purchased credit-impaired		---		---		---		---		---		---		---
	Total other consumer		$	1,041	$	1,041	$	136	$	2,948	$	32	$	2,851	$	55


(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 June 30, 2014, $49,999 thousand of the $181,353 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 June 30, 2014, $27,691 thousand of the $199,528 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 June 30, 2014, $28,188 thousand of the $407,761 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 and six-month periods ended June 30, 2014 and 2013:

		New Troubled Debt Restructurings During The Three-Month Period Ended⁽¹⁾
		June 30, 2014							June 30, 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	9	$	857	$	21	5	$	607	$	(7)
	Amortization or maturity date change	19		3,728		(66)	22		4,161		13
	Other	2		976		(34)	3		751		90
Total C&I - Owner occupied		30	$	5,561	$	(79)	30	$	5,519	$	96

C&I - Other commercial and industrial:
	Interest rate reduction	9	$	17,487	$	(1,774)	7	$	25,187	$	446
	Amortization or maturity date change	55		20,780		(579)	31		15,573		690
	Other	6		2,304		(92)	7		1,961		---
Total C&I - Other commercial and industrial		70	$	40,571	$	(2,445)	45	$	42,721	$	1,136

CRE - Retail properties:
	Interest rate reduction	---	$	---	$	---	2	$	738	$	(3)
	Amortization or maturity date change	5		9,911		(233)	2		404		(1)
	Other	3		3,868		56	3		5,894		1,201
Total CRE - Retail properties		8	$	13,779	$	(177)	7	$	7,036	$	1,197

CRE - Multi family:
	Interest rate reduction	1	$	95	$	---	3	$	487	$	(1)
	Amortization or maturity date change	7		177		(2)	6		493		8
	Other	2		3,976		62	1		3,927		26
Total CRE - Multi family		10	$	4,248	$	60	10	$	4,907	$	33

CRE - Office:
	Interest rate reduction	---	$	---	$	---	4	$	6,080	$	1,656
	Amortization or maturity date change	6		6,084		(360)	2		479		11
	Other	3		14,127		(3,482)	2		282		---
Total CRE - Office		9	$	20,211	$	(3,842)	8	$	6,841	$	1,667

CRE - Industrial and warehouse:
	Interest rate reduction	---	$	---	$	---	---	$	---	$	---
	Amortization or maturity date change	2		2,384		216	2		452		(4)
Total CRE - Industrial and Warehouse		2	$	2,384	$	216	2	$	452	$	(4)

CRE - Other commercial real estate:
	Interest rate reduction	1	$	715	$	44	2	$	847	$	53
	Amortization or maturity date change	23		26,469		(2,900)	4		700		2
	Other	---		---		---	1		352		(1)
Total CRE - Other commercial real estate		24	$	27,184	$	(2,856)	7	$	1,899	$	54

Automobile:
	Interest rate reduction	47	$	426	$	8	4	$	31	$	---
	Amortization or maturity date change	963		5,878		35	360		1,986		(14)
	Chapter 7 bankruptcy	138		1,010		(15)	464		2,649		241
Total Automobile		1,148	$	7,314	$	28	828	$	4,666	$	227

Residential mortgage:
	Interest rate reduction	7	$	1,445	$	(42)	26	$	2,056	$	7
	Amortization or maturity date change	149		23,284		452	123		15,347		44
	Chapter 7 bankruptcy	32		3,484		93	21		1,751		310
	Other	2		194		5	6		577		14
Total Residential mortgage		190	$	28,407	$	508	176	$	19,731	$	375

First-lien home equity:
	Interest rate reduction	45	$	4,158	$	413	43	$	3,652	$	279
	Amortization or maturity date change	95		8,574		95	48		3,550		(193)
	Chapter 7 bankruptcy	22		1,032		97	16		987		37
Total First-lien home equity		162	$	13,764	$	605	107	$	8,189	$	123

Junior-lien home equity:
	Interest rate reduction	81	$	2,955	$	220	11	$	599	$	105
	Amortization or maturity date change	392		15,425		(1,740)	313		12,488		(1,175)
	Chapter 7 bankruptcy	44		688		902	55		568		1,349
Total Junior-lien home equity		517	$	19,068	$	(618)	379	$	13,655	$	279

Other consumer:
	Interest rate reduction	---	$	---	$	---	2	$	195	$	41
	Amortization or maturity date change	26		1,115		(22)	1		1		---
	Chapter 7 bankruptcy	16		418		(50)	3		143		40
Total Other consumer		42	$	1,533	$	(72)	6	$	339	$	81

Total new troubled debt restructurings		2,212	$	184,024	$	(8,672)	1,605	$	115,955	$	5,264

(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.

		New Troubled Debt Restructurings During The Six-Month Period Ended⁽¹⁾
		June 30, 2014							June 30, 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	15	$	1,781	$	21	14	$	5,275	$	(472)
	Amortization or maturity date change	37		8,337		(62)	33		9,014		(12)
	Other	4		1,816		(35)	8		2,424		89
Total C&I - Owner occupied		56	$	11,934	$	(76)	55	$	16,713	$	(395)

C&I - Other commercial and industrial:
	Interest rate reduction	19	$	45,481	$	(1,921)	12	$	42,756	$	447
	Amortization or maturity date change	109		53,380		358	66		37,633		3,395
	Other	10		6,670		(68)	14		7,000		211
Total C&I - Other commercial and industrial		138	$	105,531	$	(1,631)	92	$	87,389	$	4,053

CRE - Retail properties:
	Interest rate reduction	3	$	11,105	$	421	2	$	738	$	(3)
	Amortization or maturity date change	10		22,149		(181)	6		903		(2)
	Other	9		13,765		(35)	5		9,723		1,182
Total CRE - Retail properties		22	$	47,019	$	205	13	$	11,364	$	1,177

CRE - Multi family:
	Interest rate reduction	11	$	740	$	---	6	$	2,651	$	10
	Amortization or maturity date change	11		380		(2)	8		1,235		7
	Other	4		4,299		62	2		7,883		(7)
Total CRE - Multi family		26	$	5,419	$	60	16	$	11,769	$	10

CRE - Office:
	Interest rate reduction	2	$	120	$	(1)	4	$	6,080	$	1,656
	Amortization or maturity date change	10		9,216		(360)	7		4,343		23
	Other	4		24,911		(3,482)	2		282		---
Total CRE - Office		16	$	34,247	$	(3,843)	13	$	10,705	$	1,679

CRE - Industrial and warehouse:
	Interest rate reduction	2	$	4,046	$	---	---	$	---	$	---
	Amortization or maturity date change	5		3,557		212	5		1,093		(3)
	Other	1		977		---	1		5,867		---
Total CRE - Industrial and Warehouse		8	$	8,580	$	212	6	$	6,960	$	(3)

CRE - Other commercial real estate:
	Interest rate reduction	5	$	5,019	$	51	9	$	1,490	$	52
	Amortization or maturity date change	44		73,005		(2,775)	4		700		2
	Other	2		928		(1)	1		352		(1)
Total CRE - Other commercial real estate		51	$	78,952	$	(2,725)	14	$	2,542	$	53

Automobile:
	Interest rate reduction	48	$	428	$	8	8	$	73	$	---
	Amortization or maturity date change	1,169		7,227		27	688		3,911		(34)
	Chapter 7 bankruptcy	318		2,371		(41)	713		4,288		377
	Other	---		---		---	---		---		---
Total Automobile		1,535	$	10,026	$	(6)	1,409	$	8,272	$	343

Residential mortgage:
	Interest rate reduction	15	$	2,233	$	(24)	32	$	8,473	$	(36)
	Amortization or maturity date change	217		31,302		555	177		23,011		69
	Chapter 7 bankruptcy	117		12,491		375	65		6,590		443
	Other	3		299		5	12		1,285		30
Total Residential mortgage		352	$	46,325	$	911	286	$	39,359	$	506

First-lien home equity:
	Interest rate reduction	95	$	7,966	$	604	59	$	5,314	$	421
	Amortization or maturity date change	135		11,164		(331)	77		5,550		(569)
	Chapter 7 bankruptcy	43		2,422		100	58		3,454		614
	Other	---		---		---	---		---		---
Total First-lien home equity		273	$	21,552	$	373	194	$	14,318	$	466

Junior-lien home equity:
	Interest rate reduction	168	$	5,822	$	170	16	$	749	$	125
	Amortization or maturity date change	633		25,085		(3,592)	540		21,371		(2,367)
	Chapter 7 bankruptcy	103		1,613		1,438	180		2,257		3,119
	Other	---		---		---	---		---		---
Total Junior-lien home equity		904	$	32,520	$	(1,984)	736	$	24,377	$	877

Other consumer:
	Interest rate reduction	---	$	---	$	---	3	$	219	$	42
	Amortization or maturity date change	30		1,135		(22)	5		64		2
	Chapter 7 bankruptcy	19		441		(51)	17		280		56
	Other	---		---		---	---		---		---
Total Other consumer		49	$	1,576	$	(73)	25	$	563	$	100

Total new troubled debt restructurings		3,430	$	403,681	$	(8,577)	2,859	$	234,331	$	8,866

(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.

The following tables present TDRs that have defaulted within one year of modification during the three-month and six-month periods ended June 30, 2014 and 2013:

		Troubled Debt Restructurings That Have Redefaulted⁽¹⁾
		Within One Year Of Modification During The Three Months Ended
		June 30, 2014			June 30, 2013

(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance


C&I - Owner occupied:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		400	1		---
	Other	---		---	4		736
Total C&I - Owner occupied		2	$	400	5	$	736

C&I - Other commercial and industrial:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	3		720	3		116
	Other	---		---	---		---
Total C&I - Other commercial and industrial		3	$	720	3	$	116

CRE - Retail Properties:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	---		---
	Other	---		---	---		---
Total CRE - Retail properties		---	$	---	---	$	---

CRE - Multi family:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		212	---		---
	Other	---		---	---		---
Total CRE - Multi family		1	$	212	---	$	---

CRE - Office:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		493	2		1,131
	Other	---		---	---		---
Total CRE - Office		1	$	493	2	$	1,131

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	---		---	1		49
	Other	---		---	1		5
Total CRE - Other commercial real estate		---	$	---	2	$	54

Automobile:
	Interest rate reduction	---	$	---	1	$	19
	Amortization or maturity date change	7		78	7		60
	Chapter 7 bankruptcy	24		161	31		146
	Other	---		---	---		---
Total Automobile		31	$	239	39	$	225

Residential mortgage:
	Interest rate reduction	1	$	220	---	$	---
	Amortization or maturity date change	15		1,596	15		2,629
	Chapter 7 bankruptcy	8		433	19		1,304
	Other	---		---	1		317
Total Residential mortgage		24	$	2,249	35	$	4,250

First-lien home equity:
	Interest rate reduction	1	$	50	---	$	---
	Amortization or maturity date change	4		315	---		---
	Chapter 7 bankruptcy	5		399	2		18
	Other	---		---	---		---
Total First-lien home equity		10	$	764	2	$	18

Junior-lien home equity:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	8		368	1		57
	Chapter 7 bankruptcy	6		26	6		160
	Other	---		---	---		---
Total Junior-lien home equity		14	$	394	7	$	217

Other consumer:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	---		---
	Chapter 7 bankruptcy	---		---	---		---
	Other	---		---	---		---
Total Other consumer		---	$	---	---	$	---

Total troubled debt restructurings with subsequent redefault		86	$	5,471	95	$	6,747

(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.

		Troubled Debt Restructurings That Have Redefaulted⁽¹⁾
		Within One Year of Modification During The Six Months Ended
		June 30, 2014			June 30, 2013


(dollar amounts in thousands)		Number of	Ending		Number of	Ending
		Contracts	Balance		Contracts	Balance


C&I - Owner occupied:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	2		400	4		471
	Other	1		230	7		1,203
Total C&I - Owner occupied		3	$	630	11	$	1,674

C&I - Other commercial and industrial:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	7		1,044	9		116
	Other	---		---	---		---
Total C&I - Other commercial and industrial		7	$	1,044	9	$	116

CRE - Retail Properties:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	3		835
	Other	---		---	---		---
Total CRE - Retail properties		---	$	---	3	$	835

CRE - Multi family:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		212	---		---
	Other	---		---	---		---
Total CRE - Multi family		1	$	212	---	$	---

CRE - Office:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	1		493	2		1,131
	Other	---		---	---		---
Total CRE - Office		1	$	493	2	$	1,131

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	1		561	1		49
	Other	---		---	1		5
Total CRE - Other commercial real estate		1	$	561	2	$	54

Automobile:
	Interest rate reduction	---	$	---	1	$	19
	Amortization or maturity date change	26		182	20		187
	Chapter 7 bankruptcy	37		231	98		461
	Other	---		---	---		---
Total Automobile		63	$	413	119	$	667

Residential mortgage:
	Interest rate reduction	3	$	350	---	$	---
	Amortization or maturity date change	44		5,054	37		5,387
	Chapter 7 bankruptcy	23		1,945	36		3,168
	Other	---		---	2		418
Total Residential mortgage		70	$	7,349	75	$	8,973

First-lien home equity:
	Interest rate reduction	2	$	163	---	$	---
	Amortization or maturity date change	8		930	---		---
	Chapter 7 bankruptcy	8		600	6		749
	Other	---		---	---		---
Total First-lien home equity		18	$	1,693	6	$	749

Junior-lien home equity:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	14		698	1		57
	Chapter 7 bankruptcy	22		596	20		569
	Other	---		---	---		---
Total Junior-lien home equity		36	$	1,294	21	$	626

Other consumer:
	Interest rate reduction	---	$	---	---	$	---
	Amortization or maturity date change	---		---	---		---
	Chapter 7 bankruptcy	---		---	1		2
	Other	---		---	---		---
Total Other consumer		---	$	---	1	$	2

Total troubled debt restructurings with subsequent redefault		200	$	13,689	249	$	14,827

(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.