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
Jun. 30, 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 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
               
                               
(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)