Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

v3.2.0.727
Loans and Leases and Allowance for Credit Losses (Tables)
 3 Months Ended
Jun. 30, 2015
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, 2015 and December 31, 2014:

June 30, December 31,
(dollar amounts in thousands) 2015 2014
Loans and leases:
Commercial and industrial $ 20,002,676 $ 19,033,146
Commercial real estate 5,213,793 5,197,403
Automobile 8,549,081 8,689,902
Home equity 8,526,276 8,490,915
Residential mortgage 5,987,000 5,830,609
Other consumer 473,475 413,751
Loans and leases 48,752,301 47,655,726
Allowance for loan and lease losses (599,542) (605,196)
Net loans and leases $ 48,152,759 $ 47,050,530
Loans acquired with deteriorated credit quality

The following table presents a rollforward of the accretable yield for purchased credit impaired loans by acquisition for the three-month and six-month periods ended June 30, 2015 and 2014:

Three Months Ended Six Months Ended
June 30, 2015 June 30, 2015
(dollar amounts in thousands) 2015 2014 2015 2014
Fidelity Bank
Balance, beginning of period $ 20,191 $ 24,758 $ 19,388 $ 27,995
Accretion (2,990) (3,647) (5,864) (7,651)
Reclassification from nonaccretable difference 2,111 3,485 5,788 4,252
Balance, end of period $ 19,312 $ 24,596 $ 19,312 $ 24,596
Camco Financial
Balance, beginning of period $ 879 $ 134 $ 824 $ ---
Impact of acquisition/purchase on March 1, 2014 --- --- --- 143
Accretion (914) (5,173) (1,250) (5,182)
Reclassification from nonaccretable difference 716 5,193 1,107 5,193
Balance, end of period $ 681 $ 154 $ 681 $ 154

June 30, 2015 December 31, 2014
(dollar amounts in thousands) Ending Balance Unpaid Balance Ending Balance Unpaid Balance
Fidelity Bank
Commercial and industrial $ 20,122 $ 29,969 $ 22,405 $ 33,622
Commercial real estate 25,742 71,953 36,663 87,250
Residential mortgage 2,040 3,017 1,912 3,096
Other consumer 51 114 51 123
Total $ 47,955 $ 105,053 $ 61,031 $ 124,091
Camco Financial
Commercial and industrial $ --- $ --- $ 823 $ 1,685
Commercial real estate 1,849 2,603 1,708 3,826
Total $ 1,849 $ 2,603 $ 2,531 $ 5,511
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 or transferred from held for sale during the:
Three-month period ended June 30, 2015 $ 31,905 $ --- $ 262,037 (2) $ --- $ 75,403 $ --- $ 369,345
Six-month period ended June 30, 2015 $ 44,496 $ --- $ 262,037 (2) $ --- $ 107,037 $ --- $ 413,570
Three-month period ended June 30, 2014 $ 165,482 $ --- $ --- $ --- $ --- $ --- $ 165,482
Six-month period ended June 30, 2014 $ 205,603 $ --- $ --- $ --- $ --- $ --- $ 205,603
Portfolio loans and leases sold or transferred to loans held for sale during the:
Three-month period ended June 30, 2015 $ 100,202 $ --- $ --- $ --- $ --- $ --- $ 100,202
Six-month period ended June 30, 2015 $ 185,902 $ --- $ 1,026,195 (1) $ --- $ --- --- $ 1,212,097
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
(1) Reflects the transfer of approximately $1.0 billion automobile loans to loans held-for-sale at March 31, 2015.
(2) Includes loans Huntington no longer has the intent to sell and, therefore transferred back to the portfolio in the 2015 second quarter.
NALs and Past Due Loans

The following table presents NALs by loan class at June 30, 2015 and December 31, 2014:

June 30, December 31,
(dollar amounts in thousands) 2015 2014
Commercial and industrial:
Owner occupied $ 44,864 $ 41,285
Other commercial and industrial 104,849 30,689
Total commercial and industrial $ 149,713 $ 71,974
Commercial real estate:
Retail properties $ 18,314 $ 21,385
Multi family 5,647 9,743
Office 14,545 7,707
Industrial and warehouse 1,182 3,928
Other commercial real estate 4,200 5,760
Total commercial real estate $ 43,888 $ 48,523
Automobile $ 4,190 $ 4,623
Home equity:
Secured by first-lien $ 42,424 $ 46,938
Secured by junior-lien 32,926 31,622
Total home equity $ 75,350 $ 78,560
Residential mortgage $ 91,198 $ 96,564
Other consumer $ --- $ ---
Total nonaccrual loans $ 364,339 $ 300,244
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, 2015 and December 31, 2014: (1)

June 30, 2015
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 $ 8,420 $ 3,328 $ 23,594 $ 35,342 $ 4,164,517 $ 4,199,859 $ ---
Purchased credit-impaired 409 --- 4,765 5,174 14,948 20,122 4,765 (3)
Other commercial and industrial 28,636 18,363 22,282 69,281 15,713,414 15,782,695 1,856 (2)
Total commercial and industrial $ 37,465 $ 21,691 $ 50,641 $ 109,797 $ 19,892,879 $ 20,002,676 $ 6,621
Commercial real estate:
Retail properties $ 425 $ 1,167 $ 3,356 $ 4,948 $ 1,350,570 $ 1,355,518 $ ---
Multi family 2,092 12 2,477 4,581 1,116,003 1,120,584 ---
Office 3,090 --- 1,929 5,019 925,921 930,940 ---
Industrial and warehouse 420 327 430 1,177 499,910 501,087 ---
Purchased credit-impaired 1,166 2,012 10,920 14,098 13,493 27,591 10,920 (3)
Other commercial real estate 310 105 4,052 4,467 1,273,606 1,278,073 ---
Total commercial real estate $ 7,503 $ 3,623 $ 23,164 $ 34,290 $ 5,179,503 $ 5,213,793 $ 10,920
Automobile $ 50,355 $ 10,373 $ 4,388 $ 65,116 $ 8,483,965 $ 8,549,081 $ 4,269
Home equity:
Secured by first-lien $ 16,903 $ 7,266 $ 29,861 $ 54,030 $ 5,151,027 $ 5,205,057 $ 4,879
Secured by junior-lien 23,663 9,564 33,872 67,099 3,254,120 3,321,219 6,834
Total home equity $ 40,566 $ 16,830 $ 63,733 $ 121,129 $ 8,405,147 $ 8,526,276 $ 11,713
Residential mortgage:
Residential mortgage $ 92,554 $ 37,877 $ 118,641 $ 249,072 $ 5,735,888 $ 5,984,960 $ 72,509
Purchased credit-impaired --- --- --- --- 2,040 2,040 ---
Total residential mortgage $ 92,554 $ 37,877 $ 118,641 $ 249,072 $ 5,737,928 $ 5,987,000 $ 72,509 (4)
Other consumer:
Other consumer $ 5,624 $ 1,120 $ 847 $ 7,591 $ 465,833 $ 473,424 $ 846
Purchased credit-impaired --- --- --- --- 51 51 ---
Total other consumer $ 5,624 $ 1,120 $ 847 $ 7,591 $ 465,884 $ 473,475 $ 846
Total loans and leases $ 234,067 $ 91,514 $ 261,414 $ 586,995 $ 48,165,306 $ 48,752,301 $ 106,878
December 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 $ 5,232 $ 2,981 $ 18,222 $ 26,435 $ 4,228,440 $ 4,254,875 $ ---
Purchased credit-impaired 846 --- 4,937 5,783 17,445 23,228 4,937
Other commercial and industrial 15,330 1,536 9,101 25,967 14,729,076 14,755,043 ---
Total commercial and industrial $ 21,408 $ 4,517 $ 32,260 $ 58,185 $ 18,974,961 $ 19,033,146 $ 4,937 (3)
Commercial real estate:
Retail properties $ 7,866 $ --- $ 4,021 $ 11,887 $ 1,345,859 $ 1,357,746 $ ---
Multi family 1,517 312 3,337 5,166 1,085,250 1,090,416 ---
Office 464 1,167 4,415 6,046 974,257 980,303 ---
Industrial and warehouse 688 --- 2,649 3,337 510,064 513,401 ---
Purchased credit-impaired 89 289 18,793 19,171 19,200 38,371 18,793
Other commercial real estate 847 1,281 3,966 6,094 1,211,072 1,217,166 ---
Total commercial real estate $ 11,471 $ 3,049 $ 37,181 $ 51,701 $ 5,145,702 $ 5,197,403 $ 18,793 (3)
Automobile $ 56,272 $ 10,427 $ 5,963 $ 72,662 $ 8,617,240 $ 8,689,902 $ 5,703
Home equity
Secured by first-lien $ 15,036 $ 8,085 $ 33,014 $ 56,135 $ 5,072,669 $ 5,128,804 $ 4,471
Secured by junior-lien 22,473 12,297 33,406 68,176 3,293,935 3,362,111 7,688
Total home equity $ 37,509 $ 20,382 $ 66,420 $ 124,311 $ 8,366,604 $ 8,490,915 $ 12,159
Residential mortgage
Residential mortgage $ 102,702 $ 42,009 $ 139,379 $ 284,090 $ 5,544,607 $ 5,828,697 $ 88,052
Purchased credit-impaired --- --- --- --- 1,912 1,912 ---
Total residential mortgage $ 102,702 $ 42,009 $ 139,379 $ 284,090 $ 5,546,519 $ 5,830,609 $ 88,052 (5)
Other consumer
Other consumer $ 5,491 $ 1,086 $ 837 $ 7,414 $ 406,286 $ 413,700 $ 837
Purchased credit-impaired --- --- --- --- 51 51 ---
Total other consumer $ 5,491 $ 1,086 $ 837 $ 7,414 $ 406,337 $ 413,751 $ 837
Total loans and leases $ 234,853 $ 81,470 $ 282,040 $ 598,363 $ 47,057,363 $ 47,655,726 $ 130,481
(1) NALs are included in this aging analysis based on the loan's past due status.
(2) Amounts include HTF administrative lease delinquencies.
(3) 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.
(4) Includes $50,640 thousand guaranteed by the U.S. government.
(5) Includes $55,012 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, 2015 and 2014:

Commercial
and Commercial Home Residential Other
Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)
Three-month period ended June 30, 2015:
ALLL balance, beginning of period $ 284,573 $ 100,752 $ 37,125 $ 110,280 $ 55,380 $ 17,016 $ 605,126
Loan charge-offs (12,213) (8,288) (7,691) (8,629) (3,610) (6,539) (46,970)
Recoveries of loans previously charged-off 7,802 2,763 4,249 3,979 1,468 1,334 21,595
Provision (reduction in allowance) for loan and lease losses 4,879 (3,167) 5,418 5,548 (1,559) 8,671 19,790
Allowance for loans sold or transferred to loans held for sale --- --- 1 --- --- --- 1
ALLL balance, end of period $ 285,041 $ 92,060 $ 39,102 $ 111,178 $ 51,679 $ 20,482 $ 599,542
AULC balance, beginning of period $ 42,315 $ 5,531 $ --- $ 2,639 $ 9 $ 4,248 $ 54,742
Provision (reduction in allowance) for unfunded loan commitments and letters of credit (466) 247 --- (117) 8 957 629
AULC balance, end of period $ 41,849 $ 5,778 $ --- $ 2,522 $ 17 $ 5,205 $ 55,371
ACL balance, end of period $ 326,890 $ 97,838 $ 39,102 $ 113,700 $ 51,696 $ 25,687 $ 654,913
Six-month period ended June 30, 2015:
ALLL balance, beginning of period $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196
Loan charge-offs (36,825) (10,301) (15,794) (17,215) (8,473) (13,437) (102,045)
Recoveries of loans previously charged-off 21,011 8,788 8,104 7,940 3,515 2,880 52,238
Provision (reduction in allowance) for loan and lease losses 13,860 (9,266) 15,618 24,040 9,426 (7,233) 46,445
Allowance for loans sold or transferred to loans held for sale --- --- (2,292) --- --- --- (2,292)
ALLL balance, end of period $ 285,041 $ 92,060 $ 39,102 $ 111,178 $ 51,679 $ 20,482 $ 599,542
AULC balance, beginning of period $ 48,988 $ 6,041 $ --- $ 1,924 $ 8 $ 3,845 $ 60,806
Provision for (reduction in allowance) unfunded loan commitments and letters of credit (7,139) (263) --- 598 9 1,360 (5,435)
AULC balance, end of period $ 41,849 $ 5,778 $ --- $ 2,522 $ 17 $ 5,205 $ 55,371
ACL balance, end of period $ 326,890 $ 97,838 $ 39,102 $ 113,700 $ 51,696 $ 25,687 $ 654,913

Commercial
and Commercial Home Residential Other
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 (reduction in allowance) 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 (reduction in allowance) 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 (reduction in allowance) 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 (reduction in allowance) 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
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at June 30, 2015 and December 31, 2014:

June 30, 2015
Credit Risk Profile by UCS classification
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total
Commercial and industrial:
Owner occupied $ 3,875,455 $ 114,939 $ 207,241 $ 2,224 $ 4,199,859
Purchased credit-impaired 4,061 500 15,360 201 20,122
Other commercial and industrial 14,892,225 315,347 572,268 2,855 15,782,695
Total commercial and industrial $ 18,771,741 $ 430,786 $ 794,869 $ 5,280 $ 20,002,676
Commercial real estate:
Retail properties $ 1,284,017 $ 13,750 $ 58,006 $ (255) $ 1,355,518
Multi family 1,084,707 12,041 23,345 491 1,120,584
Office 859,603 27,135 42,155 2,047 930,940
Industrial and warehouse 488,609 347 11,768 363 501,087
Purchased credit-impaired 8,923 158 16,656 1,854 27,591
Other commercial real estate 1,242,841 4,678 29,714 840 1,278,073
Total commercial real estate $ 4,968,700 $ 58,109 $ 181,644 $ 5,340 $ 5,213,793
Credit Risk Profile by FICO score (1)
750+ 650-749 <650 Other (2) Total
Automobile $ 4,172,286 $ 3,177,579 $ 961,996 $ 237,220 $ 8,549,081
Home equity:
Secured by first-lien $ 3,311,887 $ 1,438,410 $ 282,919 $ 171,841 $ 5,205,057
Secured by junior-lien 1,824,355 1,041,941 349,377 105,546 3,321,219
Total home equity $ 5,136,242 $ 2,480,351 $ 632,296 $ 277,387 $ 8,526,276
Residential mortgage:
Residential mortgage $ 3,528,722 $ 1,795,997 $ 603,735 $ 56,506 $ 5,984,960
Purchased credit-impaired 636 723 681 --- 2,040
Total residential mortgage $ 3,529,358 $ 1,796,720 $ 604,416 $ 56,506 $ 5,987,000
Other consumer:
Other consumer $ 218,022 $ 220,435 $ 33,893 $ 1,074 $ 473,424
Purchased credit-impaired --- 51 --- --- 51
Total other consumer $ 218,022 $ 220,486 $ 33,893 $ 1,074 $ 473,475
December 31, 2014
Credit Risk Profile by UCS classification
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total
Commercial and industrial:
Owner occupied $ 3,959,046 $ 117,637 $ 175,767 $ 2,425 $ 4,254,875
Purchased credit-impaired 3,915 741 14,901 3,671 23,228
Other commercial and industrial 13,925,334 386,666 440,036 3,007 14,755,043
Total commercial and industrial $ 17,888,295 $ 505,044 $ 630,704 $ 9,103 $ 19,033,146
Commercial real estate:
Retail properties $ 1,279,064 $ 10,204 $ 67,911 $ 567 $ 1,357,746
Multi family 1,044,521 12,608 32,322 965 1,090,416
Office 902,474 33,107 42,578 2,144 980,303
Industrial and warehouse 487,454 7,877 17,781 289 513,401
Purchased credit-impaired 6,914 803 25,460 5,194 38,371
Other commercial real estate 1,166,293 9,635 40,019 1,219 1,217,166
Total commercial real estate $ 4,886,720 $ 74,234 $ 226,071 $ 10,378 $ 5,197,403
Credit Risk Profile by FICO score (1)
750+ 650-749 <650 Other (2) Total
Automobile $ 4,165,811 $ 3,249,141 $ 1,028,381 $ 246,569 $ 8,689,902
Home equity:
Secured by first-lien $ 3,255,088 $ 1,426,191 $ 283,152 $ 164,373 $ 5,128,804
Secured by junior-lien 1,832,663 1,095,332 348,825 85,291 3,362,111
Total home equity $ 5,087,751 $ 2,521,523 $ 631,977 $ 249,664 $ 8,490,915
Residential mortgage
Residential mortgage $ 3,285,310 $ 1,785,137 $ 666,562 $ 91,688 $ 5,828,697
Purchased credit-impaired 594 1,135 183 --- 1,912
Total residential mortgage $ 3,285,904 $ 1,786,272 $ 666,745 $ 91,688 $ 5,830,609
Other consumer
Other consumer $ 195,128 $ 187,781 $ 30,582 $ 209 $ 413,700
Purchased credit-impaired --- 51 - --- 51
Total other consumer $ 195,128 $ 187,832 $ 30,582 $ 209 $ 413,751
(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, 2015 and December 31, 2014:

Commercial
and Commercial Home Residential Other
(dollar amounts in thousands) Industrial Real Estate Automobile Equity Mortgage Consumer Total
ALLL at June 30, 2015:
Portion of ALLL balance:
Attributable to purchased credit-impaired loans $ 696 $ --- $ --- $ --- $ 258 $ 7 $ 961
Attributable to loans individually evaluated for impairment 15,570 13,285 1,471 25,933 10,066 122 66,447
Attributable to loans collectively evaluated for impairment 268,775 78,775 37,631 85,245 41,355 20,353 532,134
Total ALLL balance $ 285,041 $ 92,060 $ 39,102 $ 111,178 $ 51,679 $ 20,482 $ 599,542
Loan and Lease Ending Balances at June 30, 2015:
Portion of loan and lease ending balance:
Attributable to purchased credit-impaired loans $ 20,122 $ 27,591 $ --- $ --- $ 2,040 $ 51 $ 49,804
Individually evaluated for impairment 402,525 196,593 28,805 336,485 364,782 4,881 1,334,071
Collectively evaluated for impairment 19,580,029 4,989,609 8,520,276 8,189,791 5,620,178 468,543 47,368,426
Total loans and leases evaluated for impairment $ 20,002,676 $ 5,213,793 $ 8,549,081 $ 8,526,276 $ 5,987,000 $ 473,475 $ 48,752,301

Commercial
and Commercial Home Residential Other
(dollar amounts in thousands) Industrial Real Estate Automobile Equity Mortgage Consumer Total
ALLL at December 31, 2014
Portion of ALLL balance:
Attributable to purchased credit-impaired loans $ 3,846 $ --- $ --- $ --- $ 8 $ 245 $ 4,099
Attributable to loans individually evaluated for impairment 11,049 18,887 1,531 26,027 16,535 214 74,243
Attributable to loans collectively evaluated for impairment 272,100 83,952 31,935 70,386 30,668 37,813 526,854
Total ALLL balance: $ 286,995 $ 102,839 $ 33,466 $ 96,413 $ 47,211 $ 38,272 $ 605,196
Loan and Lease Ending Balances at December 31, 2014
Portion of loan and lease ending balances:
Attributable to purchased credit-impaired loans $ 23,228 $ 38,371 $ --- $ --- $ 1,912 $ 51 $ 63,562
Individually evaluated for impairment 216,993 217,262 30,612 310,446 369,577 4,088 1,148,978
Collectively evaluated for impairment 18,792,925 4,941,770 8,659,290 8,180,469 5,459,120 409,612 46,443,186
Total loans and leases evaluated for impairment $ 19,033,146 $ 5,197,403 $ 8,689,902 $ 8,490,915 $ 5,830,609 $ 413,751 $ 47,655,726
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, 2015 June 30, 2015 June 30, 2015
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 $ 44,108 $ 51,709 $ --- $ 21,025 $ 72 $ 16,645 $ 147
Purchased credit-impaired --- --- --- --- --- --- ---
Other commercial and industrial 85,281 110,447 --- 71,905 498 56,728 836
Total commercial and industrial $ 129,389 $ 162,156 $ --- $ 92,930 $ 570 $ 73,373 $ 983
Commercial real estate:
Retail properties $ 53,513 $ 83,484 $ --- $ 50,905 $ 463 $ 54,231 $ 959
Multi family --- --- --- --- --- --- ---
Office 29,004 33,955 --- 11,515 86 6,597 117
Industrial and warehouse --- --- --- --- --- 263 7
Purchased credit-impaired 27,591 74,557 --- 31,468 2,163 33,769 3,941
Other commercial real estate 2,319 3,334 --- 1,838 16 3,096 62
Total commercial real estate $ 112,427 $ 195,330 $ --- $ 95,726 $ 2,728 $ 97,956 $ 5,086
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 $ 50,530 $ 57,310 $ 3,455 $ 59,605 $ 495 $ 55,448 $ 934
Purchased credit-impaired 20,122 29,969 696 20,750 1,577 21,576 2,874
Other commercial and industrial 222,606 228,512 12,115 183,095 1,339 61,833 1,086
Total commercial and industrial $ 293,258 $ 315,791 $ 16,266 $ 263,450 $ 3,411 $ 138,857 $ 4,894
Commercial real estate: (4)
Retail properties $ 38,132 $ 39,601 $ 4,651 $ 44,213 $ 418 $ 42,312 $ 780
Multi family 15,921 17,690 2,444 16,200 184 15,884 354
Office 25,617 30,019 2,146 40,710 450 45,644 1,013
Industrial and warehouse 6,098 6,297 507 5,835 81 7,079 163
Purchased credit-impaired --- --- --- --- --- --- ---
Other commercial real estate 25,989 32,728 3,537 29,405 335 29,254 689
Total commercial real estate $ 111,757 $ 126,335 $ 13,285 $ 136,363 $ 1,468 $ 140,173 $ 2,999
Automobile $ 28,805 $ 29,026 $ 1,471 $ 29,482 $ 544 $ 29,859 $ 1,105
Home equity:
Secured by first-lien $ 150,259 $ 155,467 $ 8,818 $ 148,892 $ 1,715 $ 147,783 $ 3,299
Secured by junior-lien 186,226 219,608 17,115 181,059 2,231 175,666 4,216
Total home equity $ 336,485 $ 375,075 $ 25,933 $ 329,951 $ 3,946 $ 323,449 $ 7,515
Residential mortgage (6):
Residential mortgage $ 364,782 $ 407,126 $ 10,066 $ 369,245 $ 2,978 $ 369,356 $ 6,100
Purchased credit-impaired 2,040 3,017 258 2,104 4 2,040 7
Total residential mortgage $ 366,822 $ 410,143 $ 10,324 $ 371,349 $ 2,982 $ 371,396 $ 6,107
Other consumer:
Other consumer $ 4,881 $ 4,881 $ 122 $ 4,963 $ 65 $ 4,671 $ 128
Purchased credit-impaired 51 114 7 51 160 51 291
Total other consumer $ 4,932 $ 4,995 $ 129 $ 5,014 $ 225 $ 4,722 $ 419

Three Months Ended Six Months Ended
December 31, 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 $ 13,536 $ 13,536 $ --- $ 3,680 $ 35 $ 4,293 $ 84
Purchased credit-impaired --- --- --- --- --- --- ---
Other commercial and industrial 24,309 26,858 --- 7,558 89 7,584 186
Total commercial and industrial $ 37,845 $ 40,394 $ --- $ 11,238 $ 124 $ 11,877 $ 270
Commercial real estate:
Retail properties $ 61,915 $ 91,627 $ --- $ 55,039 $ 632 $ 54,665 $ 1,237
Multi family --- --- --- --- --- --- ---
Office 1,130 3,574 --- 2,394 40 4,400 229
Industrial and warehouse 3,447 3,506 --- 5,114 68 7,100 176
Purchased credit-impaired 38,371 91,075 --- 67,008 5,315 72,030 7,733
Other commercial real estate 6,608 6,815 --- 6,849 79 6,338 136
Total commercial real estate $ 111,471 $ 196,597 $ --- $ 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 $ 44,869 $ 53,639 $ 4,220 $ 40,748 $ 390 $ 39,796 $ 789
Purchased credit-impaired 23,228 35,307 3,846 35,887 3,282 35,767 4,775
Other commercial and industrial 134,279 162,908 6,829 78,200 688 64,840 1,279
Total commercial and industrial $ 202,376 $ 251,854 $ 14,895 $ 154,835 $ 4,360 $ 140,403 $ 6,843
Commercial real estate: (4)
Retail properties $ 37,081 $ 38,397 $ 3,536 $ 64,092 $ 487 $ 66,349 $ 1,064
Multi family 17,277 23,725 2,339 17,024 164 15,827 315
Office 52,953 56,268 8,399 54,025 610 52,723 1,146
Industrial and warehouse 8,888 10,396 720 8,658 61 8,897 109
Purchased credit-impaired --- --- --- --- --- --- ---
Other commercial real estate 27,963 33,472 3,893 50,778 541 47,501 1,015
Total commercial real estate $ 144,162 $ 162,258 $ 18,887 $ 194,577 $ 1,863 $ 191,297 $ 3,649
Automobile $ 30,612 $ 32,483 $ 1,531 $ 34,594 $ 719 $ 35,424 $ 1,402
Home equity:
Secured by first-lien $ 145,566 $ 157,978 $ 8,296 $ 122,449 $ 1,371 $ 118,307 $ 2,610
Secured by junior-lien 164,880 208,118 17,731 123,839 1,547 115,545 2,861
Total home equity $ 310,446 $ 366,096 $ 26,027 $ 246,288 $ 2,918 $ 233,852 $ 5,471
Residential mortgage (6):
Residential mortgage $ 369,577 $ 415,280 $ 16,535 $ 387,019 $ 2,984 $ 387,325 $ 5,848
Purchased credit-impaired 1,912 3,096 8 2,308 219 2,371 318
Total residential mortgage