Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

v2.4.0.6
Loans and Leases and Allowance for Credit Losses (Tables)
3 Months Ended
Jun. 30, 2012
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, 2012, and December 31, 2011:

 

          June 30,     December 31,
(dollar amounts in thousands)   2012     2011
                 
Loans and leases:          
    Commercial and industrial $ 16,321,850   $ 14,699,371
    Commercial real estate   5,907,709     5,825,709
    Automobile   3,807,680     4,457,446
    Home equity   8,343,830     8,215,413
    Residential mortgage   5,123,027     5,228,276
    Other consumer   455,084     497,568
  Loans and leases   39,959,180     38,923,783
  Allowance for loan and lease losses   (859,646)     (964,828)
Net loans and leases $ 39,099,534   $ 37,958,955
Loan Purchases and Sales
                                 
      Commercial Commercial   Home Residential Other  
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
  (dollar amounts in thousands)                            
                                 
  Portfolio loans and leases purchased during the:                            
    Three-month period ended June 30, 2012 $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Six-month period ended June 30, 2012 $ 477,501 $ 378,122 $ --- $ 13,025 $ 62,324 $ 85 $ 931,057
                                 
    Three-month period ended June 30, 2011 $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Six-month period ended June 30, 2011   ---   ---   ---   ---   ---   ---   ---
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:                            
    Three-month period ended June 30, 2012 $ 71,718 $ 26,273 $ 1,483,748 $ --- $ 179,621 $ --- $ 1,761,360
    Six-month period ended June 30, 2012 $ 125,165 $ 47,742 $ 2,783,748 $ --- $ 179,621   --- $ 3,136,276
                                 
    Three-month period ended June 30, 2011 $ 69,483 $ 8,330 $ --- $ --- $ 87,215 $ --- $ 165,028
    Six-month period ended June 30, 2011 $ 155,482 $ 56,123 $ --- $ --- $ 170,757 $ --- $ 382,362
NALs and Past Due Loans

The following table presents NALs by loan class at June 30, 2012, and December 31, 2011:

 

      2012   2011
(dollar amounts in thousands)   June 30,     December 31,
             
Commercial and industrial:          
  Owner occupied $ 71,335   $ 88,415
  Purchased impaired   ---     ---
  Other commercial and industrial   62,343     113,431
Total commercial and industrial $ 133,678   $ 201,846
             
Commercial real estate:          
  Retail properties $ 64,425   $ 58,415
  Multi family   29,883     39,921
  Office   22,123     33,202
  Industrial and warehouse   17,246     30,119
  Purchased impaired   ---     ---
  Other commercial real estate   85,740     68,232
Total commercial real estate $ 219,417   $ 229,889
             
Automobile $ ---   $ ---
             
Home equity:          
  Secured by first-lien $ 18,632   $ 20,012
  Secured by junior-lien   27,391     20,675
Total home equity $ 46,023   $ 40,687
             
Residential mortgage:          
  Residential mortgage $ 75,048   $ 68,658
  Purchased impaired   ---     ---
Total residential mortgages $ 75,048   $ 68,658
             
Other consumer          
  Other consumer $ ---   $ ---
  Purchased impaired   ---     ---
Total other consumer $ ---   $ ---
Total nonaccrual loans (1) $ 474,166   $ 541,080
             
(1) All loans acquired as part of the FDIC-assisted Fidelity Bank acquisition accrue interest as performing loans or as purchased impaired loans in accordance with ASC 310-30; therefore, none of the acquired loans were reported as nonaccrual at June 30, 2012.
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, 2012, and December 31, 2011: (1)

 

June 30, 2012
                              90 or more
(dollar amounts in thousands) Past Due       Total Loans   days past due
  30-59 Days 60-89 Days 90 or more days Total   Current and Leases   and accruing
                                   
Commercial and industrial:                                
  Owner occupied $ 11,700 $ 4,124 $ 47,421 $ 63,245   $ 4,123,480 $ 4,186,725   $ 1,846
  Purchased impaired   2,802   1,541   17,071   21,414     36,461   57,875     17,071
  Other commercial and industrial   22,168   3,776   25,873   51,817     12,025,433   12,077,250     341
Total commercial and industrial $ 36,670 $ 9,441 $ 90,365 $ 136,476   $ 16,185,374 $ 16,321,850   $ 19,258(2)
                                   
Commercial real estate:                                
  Retail properties $ 2,938 $ 628 $ 36,797 $ 40,363   $ 1,587,004 $ 1,627,367   $ ---
  Multi family   5,210   3,040   19,893   28,143     944,178   972,321     ---
  Office   18,163   2,815   19,409   40,387     977,783   1,018,170     ---
  Industrial and warehouse   3,397   1,126   4,234   8,757     682,813   691,570     ---
  Purchased impaired   8,807   1,381   38,054   48,242     87,396   135,638     38,125
  Other commercial real estate   6,074   19,250   28,279   53,603     1,409,040   1,462,643     ---
Total commercial real estate $ 44,589 $ 28,240 $ 146,666 $ 219,495   $ 5,688,214 $ 5,907,709   $ 38,125(2)
                                   
Automobile $ 29,410   6,355 $ 3,338 $ 39,103   $ 3,768,577 $ 3,807,680   $ 3,338
                                   
Home equity:                                
  Secured by first-lien $ 18,105 $ 8,720 $ 30,008 $ 56,833   $ 4,093,850 $ 4,150,683   $ 11,375
  Secured by junior-lien   27,648   13,334   26,630   67,612     4,125,535   4,193,147     6,801
Total home equity $ 45,753 $ 22,054 $ 56,638 $ 124,445   $ 8,219,385 $ 8,343,830   $ 18,176
                                   
Residential mortgage:                                
  Residential mortgage $ 143,368 $ 48,264 $ 168,835 $ 360,467   $ 4,760,205 $ 5,120,672   $ 99,641(3)
  Purchased impaired   220   402   1,494   2,116     239   2,355     1,494
Total residential mortgage $ 143,588 $ 48,666 $ 170,329 $ 362,583   $ 4,760,444 $ 5,123,027   $ 101,135
                                   
Other consumer:                                
  Other consumer $ 6,547 $ 1,997 $ 913 $ 9,457   $ 444,995 $ 454,452   $ 913
  Purchased impaired   ---   112   288   400     232   632     288
Total other consumer $ 6,547 $ 2,109 $ 1,201 $ 9,857   $ 445,227 $ 455,084   $ 1,201
                                   
December 31, 2011
                              90 or more
(dollar amounts in thousands) Past Due       Total Loans   days past due
  30-59 Days 60-89 Days 90 or more days Total   Current and Leases   and accruing
                                   
Commercial and industrial:                                
  Owner occupied $ 10,607 $ 7,433 $ 58,513 $ 76,553   $ 3,936,203 $ 4,012,756   $ ---
  Other commercial and industrial   32,962   7,579   60,833   101,374     10,585,241   10,686,615     ---
Total commercial and industrial $ 43,569 $ 15,012 $ 119,346 $ 177,927   $ 14,521,444 $ 14,699,371   $ ---
                                   
Commercial real estate:                                
  Retail properties $ 3,090 $ 823 $ 33,952 $ 37,865   $ 1,547,618 $ 1,585,483   $ ---
  Multi family   5,022   1,768   28,317   35,107     908,438   943,545     ---
  Office   3,134   792   30,041   33,967     990,897   1,024,864     ---
  Industrial and warehouse   2,834   115   18,203   21,152     708,390   729,542     ---
  Other commercial real estate   6,894   3,625   48,739   59,258     1,483,017   1,542,275     ---
Total commercial real estate $ 20,974 $ 7,123 $ 159,252 $ 187,349   $ 5,638,360 $ 5,825,709   $ ---
                                   
Automobile $ 42,162 $ 9,046 $ 6,265 $ 57,473   $ 4,399,973 $ 4,457,446   $ 6,265
Home equity:                                
  Secured by first-lien   17,260   8,822   29,259   55,341     3,760,238   3,815,579     9,247
  Secured by junior-lien   32,334   18,357   31,626   82,317     4,317,517   4,399,834     10,951
Residential mortgage   134,228   45,774   204,648   384,650     4,843,626   5,228,276     141,901(4)
Other consumer   7,655   1,502   1,988   11,145     486,423   497,568     1,988
                                   
(1) NALs are included in this aging analysis based on the loan's past due status.
(2) All amounts represent accruing purchased impaired loans related to the FDIC-assisted Fidelity Bank acquisition. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3) Includes $85,678 thousand guaranteed by the U.S. government.
(4) Includes $96,703 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, 2012 and 2011: (1)

 

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended June 30, 2012: (1)                            
                                 
  ALLL balance, beginning of period $ 246,026 $ 339,494 $ 36,552 $ 168,898 $ 89,129 $ 32,970 $ 913,069
    Loan charge-offs   (23,718)   (35,747)   (4,999)   (23,083)   (11,903)   (8,642)   (108,092)
    Recoveries of loans previously charged-off   8,040   6,569   4,550   2,038   1,117   1,533   23,847
    Provision for loan and lease losses   50,200   (4,925)   (1,446)   (12,291)   886   4,052   36,476
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (4,440)   ---   (1,214)   ---   (5,654)
                                 
  ALLL balance, end of period $ 280,548 $ 305,391 $ 30,217 $ 135,562 $ 78,015 $ 29,913 $ 859,646
                                 
  AULC balance, beginning of period $ 42,276 $ 5,780 $ --- $ 2,108 $ 1 $ 769 $ 50,934
    Provision for unfunded loan commitments and letters of credit   568   (555)   ---   82   3   (54)   44
                                 
  AULC balance, end of period $ 42,844 $ 5,225 $ --- $ 2,190 $ 4 $ 715 $ 50,978
                                 
  ACL balance, end of period $ 323,392 $ 310,616 $ 30,217 $ 137,752 $ 78,019 $ 30,628 $ 910,624
                                 
Six-month period ended June 30, 2012: (1)                            
                                 
  ALLL balance, beginning of period $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
    Loan charge-offs   (57,224)   (57,149)   (12,609)   (48,348)   (23,648)   (17,074)   (216,052)
    Recoveries of loans previously charged-off   13,051   17,465   9,082   3,574   2,292   3,351   48,815
    Provision for loan and lease losses   49,354   (43,631)   597   36,463   13,391   12,230   68,404
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (5,135)   ---   (1,214)   ---   (6,349)
                                 
  ALLL balance, end of period $ 280,548 $ 305,391 $ 30,217 $ 135,562 $ 78,015 $ 29,913 $ 859,646
                                 
  AULC balance, beginning of period $ 39,658 $ 5,852 $ --- $ 2,134 $ 1 $ 811 $ 48,456
    Provision for unfunded loan commitments and letters of credit   3,186   (627)   ---   56   3   (96)   2,522
                                 
  AULC balance, end of period $ 42,844 $ 5,225 $ --- $ 2,190 $ 4 $ 715 $ 50,978
                                 
  ACL balance, end of period $ 323,392 $ 310,616 $ 30,217 $ 137,752 $ 78,019 $ 30,628 $ 910,624
                                 
(1) In accordance with ASC 805, no allowance for credit losses was recorded for the loans acquired in the FDIC-assisted Fidelity Bank acquisition.

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended June 30, 2011:                            
                                 
  ALLL balance, beginning of period $ 299,563 $ 511,068 $ 50,862 $ 149,371 $ 96,741 $ 25,621 $ 1,133,226
    Loan charge-offs   (28,230)   (40,723)   (6,877)   (27,359)   (17,330)   (8,182)   (128,701)
    Recoveries of loans previously charged-off   9,526   13,128   4,622   1,918   875   1,098   31,167
    Provision for loan and lease losses   157   (19,599)   6,821   22,514   20,220   6,835   36,948
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (1,514)   ---   (1,514)
                                 
  ALLL balance, end of period $ 281,016 $ 463,874 $ 55,428 $ 146,444 $ 98,992 $ 25,372 $ 1,071,126
                                 
  AULC balance, beginning of period $ 30,706 $ 8,433 $ --- $ 2,241 $ 1 $ 830 $ 42,211
    Provision for unfunded loan commitments and letters of credit   635   (1,801)   ---   8   ---   7   (1,151)
                                 
  AULC balance, end of period $ 31,341 $ 6,632 $ --- $ 2,249 $ 1 $ 837 $ 41,060
                                 
  ACL balance, end of period $ 312,357 $ 470,506 $ 55,428 $ 148,693 $ 98,993 $ 26,209 $ 1,112,186
                                 
Six-month period ended June 30, 2011:                            
                                 
  ALLL balance, beginning of period $ 340,614 $ 588,251 $ 49,488 $ 150,630 $ 93,289 $ 26,736 $ 1,249,008
    Loan charge-offs   (81,965)   (117,371)   (16,852)   (55,682)   (40,351)   (15,487)   (327,708)
    Recoveries of loans previously charged-off   21,070   22,093   9,885   3,526   4,964   3,553   65,091
    Provision for loan and lease losses   1,297   (29,099)   12,907   47,970   42,604   10,570   86,249
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (1,514)   ---   (1,514)
                                 
  ALLL balance, end of period $ 281,016 $ 463,874 $ 55,428 $ 146,444 $ 98,992 $ 25,372 $ 1,071,126
                                 
  AULC balance, beginning of period $ 32,726 $ 6,158 $ --- $ 2,348 $ 1 $ 894 $ 42,127
    Provision for unfunded loan commitments and letters of credit   (1,385)   474   ---   (99)   ---   (57)   (1,067)
                                 
  AULC balance, end of period $ 31,341 $ 6,632 $ --- $ 2,249 $ 1 $ 837 $ 41,060
                                 
  ACL balance, end of period $ 312,357 $ 470,506 $ 55,428 $ 148,693 $ 98,993 $ 26,209 $ 1,112,186
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at June 30, 2012, and December 31, 2011:

 

    June 30, 2012  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 3,822,996 $ 102,504 $ 260,205 $ 1,020 $ 4,186,725  
  Purchased impaired   1,051   15,967   40,830   27   57,875  
  Other commercial and industrial   11,475,884   166,148   432,578   2,640   12,077,250  
Total commercial and industrial $ 15,299,931 $ 284,619 $ 733,613 $ 3,687 $ 16,321,850  
                         
Commercial real estate:                      
  Retail properties $ 1,300,320 $ 54,694 $ 272,353 $ --- $ 1,627,367  
  Multi family   869,938   34,528   67,693   162   972,321  
  Office   888,164   35,844   94,158   4   1,018,170  
  Industrial and warehouse   622,314   7,486   61,770   ---   691,570  
  Purchased impaired   5,507   45,926   84,076   129   135,638  
  Other commercial real estate   1,188,881   64,241   209,405   116   1,462,643  
Total commercial real estate $ 4,875,124 $ 242,719 $ 789,455 $ 411 $ 5,907,709  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,487,741 $ 2,084,794 $ 634,529 $ 84,365 $ 5,291,429 (3)
                         
Home equity:                      
  Secured by first-lien $ 2,427,346 $ 1,387,435 $ 317,207 $ 18,695 $ 4,150,683  
  Secured by junior-lien   2,034,628   1,580,078   575,773   2,668   4,193,147  
Total home equity $ 4,461,974 $ 2,967,513 $ 892,980 $ 21,363 $ 8,343,830  
                         
Residential mortgage:                      
  Residential mortgage $ 2,641,238 $ 1,805,850 $ 708,150 $ 110,001 $ 5,265,239  
  Purchased impaired   357   1,357   475   166   2,355  
Total residential mortgage $ 2,641,595 $ 1,807,207 $ 708,625 $ 110,167 $ 5,267,594 (4)
                         
Other consumer:                      
  Other consumer $ 174,380 $ 185,857 $ 70,368 $ 23,847 $ 454,452  
  Purchased impaired   -   232   300   100   632  
Total other consumer $ 174,380 $ 186,089 $ 70,668 $ 23,947 $ 455,084  
                         
                         
    December 31, 2011  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 3,624,103 $ 101,897 $ 285,561 $ 1,195 $ 4,012,756  
  Other commercial and industrial   10,108,946   145,963   425,882   5,824   10,686,615  
Total commercial and industrial $ 13,733,049 $ 247,860 $ 711,443 $ 7,019 $ 14,699,371  
                         
Commercial real estate:                      
  Retail properties $ 1,191,471 $ 122,337 $ 271,675 $ --- $ 1,585,483  
  Multi family   801,717   48,094   93,449   285   943,545  
  Office   896,230   67,050   61,476   108   1,024,864  
  Industrial and warehouse   649,165   9,688   70,621   68   729,542  
  Other commercial real estate   1,112,751   110,276   318,479   769   1,542,275  
Total commercial real estate $ 4,651,334 $ 357,445 $ 815,700 $ 1,230 $ 5,825,709  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,635,082 $ 2,276,990 $ 707,141 $ 88,233 $ 5,707,446 (5)
Home equity:                      
  Secured by first-lien   2,196,566   1,287,444   329,670   1,899   3,815,579  
  Secured by junior-lien   2,119,292   1,646,117   625,298   9,127   4,399,834  
Residential mortgage   2,454,401   1,752,409   723,377   298,089   5,228,276  
Other consumer   185,333   206,749   83,431   22,055   497,568  
                         
                         
(1) Reflects currently updated customer credit scores.  
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.  
(3) Includes $1,483,749 thousand of loans reflected as loans held for sale.  
(4) Includes $144,567 thousand of loans reflected as loans held for sale.  
(5) Includes $1,250,000 thousand of loans reflected as loans held for sale.  
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, 2012, and December 31, 2011:

                                 
      Commercial Commercial     Residential Other  
  and Industrial Real Estate Automobile Home Equity Mortgage Consumer Total
                                 
ALLL at June 30, 2012:                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans purchased with deteriorated credit quality $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Attributable to loans individually evaluated for impairment   17,797   49,200   937   1,239   12,347   341   81,861
    Attributable to loans collectively evaluated for impairment   262,751   256,191   29,280   134,323   65,668   29,572   777,785
  Total ALLL balance $ 280,548 $ 305,391 $ 30,217 $ 135,562 $ 78,015 $ 29,913 $ 859,646
                                 
                                 
Loans and Leases at June 30, 2012:                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans purchased with deteriorated credit quality $ 57,875 $ 135,638 $ --- $ --- $ 2,355 $ 632 $ 196,500
    Attributable to loans individually evaluated for impairment   119,650   355,920   34,460   67,371   327,300   3,151   907,852
    Attributable to loans collectively evaluated for impairment   16,144,325   5,416,151   3,773,220   8,276,459   4,793,372   451,301   38,854,828
  Total loans evaluated for impairment (1) $ 16,321,850 $ 5,907,709 $ 3,807,680 $ 8,343,830 $ 5,123,027 $ 455,084 $ 39,959,180
                                 
                                 

                                 
                   
  Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total
                                 
ALLL at December 31, 2011                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans individually evaluated for impairment $ 30,613 $ 55,306 $ 1,393 $ 1,619 $ 16,091 $ 530 $ 105,552
    Attributable to loans collectively evaluated for impairment   244,754   333,400   36,889   142,254   71,103   30,876   859,276
  Total ALLL balance: $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
                                 
                                 
Loans and Leases at December 31, 2011:                            
(dollar amounts in thousands)                            
                                 
  Portion of ending balance:                            
                                 
    Attributable to loans individually evaluated for impairment $ 153,724 $ 387,402 $ 36,574 $ 52,593 $ 335,768 $ 6,220 $ 972,281
    Attributable to loans collectively evaluated for impairment   14,545,647   5,438,307   4,420,872   8,162,820   4,892,508   491,348   37,951,502
  Total loans evaluated for impairment $ 14,699,371 $ 5,825,709 $ 4,457,446 $ 8,215,413 $ 5,228,276 $ 497,568 $ 38,923,783
                                 
                                 
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: (1), (2)

                    Three Months Ended   Six Months Ended
  June 30, 2012   June 30, 2012   June 30, 2012
          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 $ 5,240 $ 16,451 $ ---   $ 8,038 $ 36   $ 5,614 $ 60
    Purchased impaired   57,875   82,114   ---     70,641   832     70,641   832
    Other commercial and industrial   4,981   4,983   ---     11,114   162     8,196   255
  Total commercial and industrial $ 68,096 $ 103,548 $ ---   $ 89,793 $ 1,030   $ 84,451 $ 1,147
                                     
  Commercial real estate:                                
    Retail properties $ 51,090 $ 54,559 $ ---   $ 54,861 $ 722   $ 51,532 $ 1,476
    Multi family   5,946   6,089   ---     6,033   96     6,112   193
    Office   9,670   14,943   ---     4,010   27     2,598   52
    Industrial and warehouse   6,395   7,495   ---     6,799   100     7,178   206
    Purchased impaired   135,638   211,667   ---     174,299   1,950     174,299   1,950
    Other commercial real estate   18,628   38,015   ---     16,113   125     18,067   273
  Total commercial real estate $ 227,367 $ 332,768 $ ---   $ 262,115 $ 3,020   $ 259,786 $ 4,150
                                     
                                     
  Home equity:                                
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Secured by junior-lien   ---   ---   ---     ---   ---     ---   ---
  Total home equity $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Residential mortgage:                                
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased impaired   2,355   4,338   ---     4,805   34     4,805   34
  Total residential mortgage $ 2,355 $ 4,338 $ ---   $ 4,805 $ 34   $ 4,805 $ 34
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased impaired   632   935   ---     864   9     864   9
  Total other consumer $ 632 $ 935 $ ---   $ 864 $ 9   $ 864 $ 9
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 35,386 $ 45,480 $ 5,504   $ 33,400 $ 293   $ 38,411 $ 695
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   74,043   98,632   12,293     86,688   627     87,909   1,482
  Total commercial and industrial $ 109,429 $ 144,112 $ 17,797   $ 120,088 $ 920   $ 126,320 $ 2,177
                                     
  Commercial real estate: (4)                                
    Retail properties $ 127,718 $ 157,655 $ 28,871   $ 118,628 $ 906   $ 121,163 $ 3,185
    Multi family   28,160   33,756   4,681     25,288   206     31,312   828
    Office   7,840   8,734   1,683     17,218   51     20,167   158
    Industrial and warehouse   23,013   31,289   2,282     22,596   74     24,547   353
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial real estate   77,460   91,743   11,683     75,986   456     77,907   1,618
  Total commercial real estate $ 264,191 $ 323,177 $ 49,200   $ 259,716 $ 1,693   $ 275,096 $ 6,142
                                     
  Automobile $ 34,460 $ 34,460 $ 937   $ 34,991 $ 794   $ 35,518 $ 1,616
                                     
  Home equity:                                
    Secured by first-lien $ 51,238 $ 51,238 $ 527   $ 47,568 $ 561   $ 43,659 $ 1,040
    Secured by junior-lien   16,133   16,133   712     15,919   222     16,196   437
  Total home equity $ 67,371 $ 67,371 $ 1,239   $ 63,487 $ 783   $ 59,855 $ 1,477
                                     
  Residential mortgage (6):                                
    Residential mortgage $ 327,300 $ 355,214 $ 12,347   $ 325,842 $ 2,866   $ 329,151 $ 5,803
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
  Total residential mortgage $ 327,300 $ 355,214 $ 12,347   $ 325,842 $ 2,866   $ 329,151 $ 5,803
                                     
  Other consumer:                                
    Other consumer $ 3,151 $ 3,151 $ 341   $ 3,748 $ 26   $ 4,572 $ 59
    Purchased impaired   ---   ---   ---     ---   ---     ---   ---
  Total other consumer $ 3,151 $ 3,151 $ 341   $ 3,748 $ 26   $ 4,572 $ 59

                 
  December 31, 2011
          Unpaid    
      Ending Principal Related
(dollar amounts in thousands) Balance Balance (5) Allowance
                 
With no related allowance recorded:            
  Commercial and industrial:            
    Owner occupied $ --- $ --- $ ---
    Other commercial and industrial   ---   ---   ---
  Total commercial and industrial $ --- $ --- $ ---
                 
  Commercial real estate:            
    Retail properties $ 43,970 $ 45,192 $ ---
    Multi family   6,292   6,435   ---
    Office   1,191   1,261   ---
    Industrial and warehouse   8,163   9,945   ---
    Other commercial real estate   22,396   38,401   ---
  Total commercial real estate $ 82,012 $ 101,234 $ ---
                 
With an allowance recorded:            
  Commercial and industrial:            
    Owner occupied $ 53,613 $ 77,205 $ 7,377
    Other commercial and industrial   100,111   117,469   23,236
  Total commercial and industrial $ 153,724 $ 194,674 $ 30,613
                 
  Commercial real estate:            
    Retail properties $ 129,396 $ 161,596 $ 30,363
    Multi family   38,154   45,138   4,753
    Office   23,568   42,287   2,832
    Industrial and warehouse   29,435   47,373   3,136
    Other commercial real estate   84,837   119,212   14,222
  Total commercial real estate $ 305,390 $ 415,606 $ 55,306
                 
  Automobile $ 36,574 $ 36,574 $ 1,393
  Home equity:            
    Secured by first-lien   35,842   35,842   626
    Secured by junior-lien   16,751   16,751   993
  Residential mortgage   335,768   361,161   16,091
  Other consumer   6,220   6,220   530

                                     
(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, 2012, $40,280 thousand of the $109,429 thousand commercial and industrial loans with an allowance recorded were considered impaired due to their status as a TDR.          
(4) At June 30, 2012, $33,105 thousand of the $264,191 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, 2012, $16,946 thousand of the $327,300 thousand residential mortgages 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 net change in ALLL resulting from the modification for the three-month and six-month periods ending June 30, 2012:

      New Troubled Debt Restructurings During The
      Three-Month Period Ended June 30, 2012 (1), (2)
        Post-modification    
        Outstanding Net change in
(dollar amounts in thousands)   Number of Ending ALLL resulting
    Contracts Balance from modification
               
C&I - Owner occupied:            
               
  Interest rate reduction   4 $ 1,187 $ (1)
  Amortization or maturity date change   30   8,312   861
  Other   4   1,260   (114)
Total C&I - Owner occupied   38 $ 10,759 $ 746
               
C&I - Other commercial and industrial:            
               
  Interest rate reduction   11 $ 3,750 $ 247
  Amortization or maturity date change   43   19,554   822
  Other   3   1,500   176
Total C&I - Other commercial and industrial   57 $ 24,804 $ 1,245
               
CRE - Retail properties:            
               
  Interest rate reduction   4 $ 3,232 $ 1,243
  Amortization or maturity date change   5   1,292   109
  Other   ---   ---   ---
Total CRE - Retail properties   9 $ 4,524 $ 1,352
               
CRE - Multi family:            
               
  Interest rate reduction   --- $ --- $ ---
  Amortization or maturity date change   3   196   20
  Other   2   5,586   517
Total CRE - Multi family   5 $ 5,782 $ 537
               
CRE - Office:            
               
  Interest rate reduction   --- $ --- $ ---
  Amortization or maturity date change   2   1,576   584
  Other   ---   ---   ---
Total CRE - Office   2 $ 1,576 $ 584
               
CRE - Industrial and warehouse:            
               
  Interest rate reduction   --- $ --- $ ---
  Amortization or maturity date change   3   1,335   (171)
  Other   ---   ---   ---
Total CRE - Industrial and Warehouse   3 $ 1,335 $ (171)
               
CRE - Other commercial real estate:            
               
  Interest rate reduction   7 $ 2,037 $ 300
  Amortization or maturity date change   14   5,877   427
  Other   ---   ---   ---
Total CRE - Other commercial real estate   21 $ 7,914 $ 727
               
Automobile:            
               
  Interest rate reduction   8 $ 91 $ 2
  Amortization or maturity date change   428   2,904   (18)
  Other   ---   ---   ---
Total Automobile   436 $ 2,995 $ (16)
               
Residential mortgage:            
               
  Interest rate reduction   3 $ 6,133 $ (49)
  Amortization or maturity date change   143   19,039   688
  Other   ---   ---   ---
Total Residential mortgage   146 $ 25,172 $ 639
               
First-lien home equity:            
               
  Interest rate reduction   63 $ 7,389 $ 1,182
  Amortization or maturity date change   11   1,263   (1)
  Other   ---   ---   ---
Total First-lien home equity   74 $ 8,652 $ 1,181
               
Junior-lien home equity:            
               
  Interest rate reduction   15 $ 544 $ 85
  Amortization or maturity date change   5   264   (1)
  Other   ---   ---   ---
Total Junior-lien home equity   20 $ 808 $ 84
               
Other consumer:            
               
  Interest rate reduction   1 $ 44 $ 4
  Amortization or maturity date change   6   268   26
  Other   ---   ---   ---
Total Other consumer   7 $ 312 $ 30

      New Troubled Debt Restructurings During The
      Six-Month Period Ended June 30, 2012 (1), (2)
        Post-modification    
        Outstanding Net change in
(dollar amounts in thousands)   Number of Ending ALLL resulting
    Contracts Balance from modification
               
C&I - Owner occupied:            
               
  Interest rate reduction   14 $ 4,968 $ (962)
  Amortization or maturity date change   47   11,034   769
  Other   8   2,771   116
Total C&I - Owner occupied   69 $ 18,773 $ (77)
               
C&I - Other commercial and industrial:            
               
  Interest rate reduction   17 $ 5,066 $ 293
  Amortization or maturity date change   71   24,010   814
  Other   18