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

Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

Loans and Leases and Allowance for Credit Losses (Tables)

3 Months Ended

Jun. 30, 2012

Loans / Leases and Allowance for Credit Losses [Abstract]

The following table provides a detailed listing of Huntington's loan and lease portfolio at June 30, 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		31,002		(2,690)
Total C&I - Other commercial and industrial		106	$	60,078	$	(1,583)

CRE - Retail properties:

	Interest rate reduction	8	$	6,027	$	1,241
	Amortization or maturity date change	10		3,050		91
	Other	---		---		---
Total CRE - Retail properties		18	$	9,077	$	1,332

CRE - Multi family:

	Interest rate reduction	2	$	334	$	(5)
	Amortization or maturity date change	13		1,697		(54)
	Other	6		7,617		393
Total CRE - Multi family		21	$	9,648	$	334

CRE - Office:

	Interest rate reduction	3	$	2,116	$	363
	Amortization or maturity date change	2		1,576		584
	Other	3		306		---
Total CRE - Office		8	$	3,998	$	947

CRE - Industrial and warehouse:

	Interest rate reduction	1	$	3,000	$	4
	Amortization or maturity date change	6		2,772		(107)
	Other	---		---		---
Total CRE - Industrial and Warehouse		7	$	5,772	$	(103)

CRE - Other commercial real estate:

	Interest rate reduction	7	$	2,037	$	300
	Amortization or maturity date change	28		52,553		1,827
	Other	2		9,435		(1,601)
Total CRE - Other commercial real estate		37	$	64,025	$	526

Automobile:

	Interest rate reduction	21	$	220	$	4
	Amortization or maturity date change	900		6,280		(43)
	Other	---		---		---
Total Automobile		921	$	6,500	$	(39)

Residential mortgage:

	Interest rate reduction	4	$	6,166	$	(49)
	Amortization or maturity date change	205		26,092		934
	Other	---		---		---
Total Residential mortgage		209	$	32,258	$	885

First-lien home equity:

	Interest rate reduction	130	$	15,003	$	2,480
	Amortization or maturity date change	26		2,897		(5)
	Other	---		---		---
Total First-lien home equity		156	$	17,900	$	2,475

Junior-lien home equity:

	Interest rate reduction	37	$	1,476	$	217
	Amortization or maturity date change	19		872		(17)
	Other	---		---		---
Total Junior-lien home equity		56	$	2,348	$	200

Other consumer:

	Interest rate reduction	5	$	163	$	13
	Amortization or maturity date change	11		328		29
	Other	---		---		---
Total Other consumer		16	$	491	$	42

(1)	Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring are not significant.
(2)	TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.

The following tables present TDRs modified within the previous twelve months that have subsequently redefaulted during the three-month and six-month periods ended June 30, 2012:

		Troubled Debt Restructurings That Have Redefaulted
		Within One Year Of Modification During The
		Three-Month Period Ended June 30, 2012⁽¹⁾


(dollar amounts in thousands)		Number of	Ending
		Contracts	Balance


C&I - Owner occupied:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	5		472
	Other	---		---
Total C&I - Owner occupied		5	$	472

C&I - Other commercial and industrial:

	Interest rate reduction	3	$	529
	Amortization or maturity date change	7		494
	Other	1		97
Total C&I - Other commercial and industrial		11	$	1,120

CRE - Retail Properties:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	1		151
	Other	---		---
Total CRE - Retail properties		1	$	151

CRE - Multi family:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	1		119
	Other	---		---
Total CRE - Multi family		1	$	119

CRE - Office:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Office		---	$	---

CRE - Industrial and Warehouse:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Industrial and Warehouse		---	$	---

CRE - Other commercial real estate:

	Interest rate reduction	1	$	917
	Amortization or maturity date change	1		118
	Other	---		---
Total CRE - Other commercial real estate		2	$	1,035

Automobile:

	Interest rate reduction	1	$	---
	Amortization or maturity date change	43		---
	Other	---		---
Total Automobile		44	$	---⁽²⁾

Residential mortgage:

	Interest rate reduction	1	$	29
	Amortization or maturity date change	38		5,742
	Other	4		417
Total Residential mortgage		43	$	6,188

First-lien home equity:

	Interest rate reduction	1	$	54
	Amortization or maturity date change	---		---
	Other	---		---
Total First-lien home equity		1	$	54

Junior-lien home equity:

	Interest rate reduction	1	$	98
	Amortization or maturity date change	1		65
	Other	---		---
Total Junior-lien home equity		2	$	163

Other consumer:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	3		---
	Other	---		---
Total Other consumer		3	$	---⁽³⁾

		Troubled Debt Restructurings That Have Redefaulted
		Within One Year Of Modification During The (1)
		Six-Month Period Ended June 30, 2012⁽¹⁾


(dollar amounts in thousands)		Number of	Ending
		Contracts	Balance


C&I - Owner occupied:

	Interest rate reduction	1	$	1,011
	Amortization or maturity date change	6		653
	Other	---		---
Total C&I - Owner occupied		7	$	1,664

C&I - Other commercial and industrial:

	Interest rate reduction	3	$	529
	Amortization or maturity date change	9		638
	Other	3		459
Total C&I - Other commercial and industrial		15	$	1,626

CRE - Retail Properties:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	2		375
	Other	---		---
Total CRE - Retail properties		2	$	375

CRE - Multi family:

	Interest rate reduction	2	$	1,399
	Amortization or maturity date change	1		119
	Other	---		---
Total CRE - Multi family		3	$	1,518

CRE - Office:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Office		---	$	---

CRE - Industrial and Warehouse:

	Interest rate reduction	---	$	---
	Amortization or maturity date change	---		---
	Other	---		---
Total CRE - Industrial and Warehouse		---	$	---

CRE - Other commercial real estate:

	Interest rate reduction	1	$	917
	Amortization or maturity date change	4		670
	Other	---		---
Total CRE - Other commercial real estate		5	$	1,587

Automobile:

	Interest rate reduction	3	$	---
	Amortization or maturity date change	103		---
	Other	---		---
Total Automobile		106	$	---⁽⁴⁾

Residential mortgage:

	Interest rate reduction	1	$	29
	Amortization or maturity date change	58		8,444
	Other	4		417
Total Residential mortgage		63	$	8,890

First-lien home equity:

	Interest rate reduction	9	$	821
	Amortization or maturity date change	1		14
	Other	---		---
Total First-lien home equity		10	$	835

Junior-lien home equity:

	Interest rate reduction	2	$	112
	Amortization or maturity date change	2		80
	Other	---		---
Total Junior-lien home equity		4	$	192

Other consumer:

	Interest rate reduction	1	$	---
	Amortization or maturity date change	3		---
	Other	---		---
Total Other consumer		4	$	---⁽⁵⁾

(1)	Subsequent default is defined as a payment redefault within 12 months of the restructuring date. Payment default is defined as 90-days past due for C&I and CRE loans; 120 days past due for automobile, junior-lien home equity, and other consumer loans; and 150 days past due for residential mortgage and first-lien home equity loans. Any loan may be considered to be in payment redefault prior to the guidelines noted above when collection of principal or interest is in doubt.
(2)	Automobile loans are charged-off at time of subsequent redefault. During the three-month period ended June 30, 2012, $241 thousand of total automobile loans were charged-off at the time of subsequent redefault.
(3)	Other consumer loans are charged-off at time of subsequent redefault. During the three-month period ended June 30, 2012, $9 thousand of total other consumer loans were charged-off at the time of subsequent redefault.
(4)	Automobile loans are charged-off at time of subsequent redefault. During the six-month period ended June 30, 2012, $646 thousand of total automobile loans were charged-off at the time of subsequent redefault.
(5)	Other consumer loans are charged-off at time of subsequent redefault. During the six-month period ended June 30, 2012, $62 thousand of total other consumer loans were charged-off at the time of subsequent redefault.

Loans acquired with deteriorated credit quality

The following table reflects the contractually required payments receivable, cash flows expected to be collected, and fair value of the loans at the acquisition date of March 30, 2012:

(in thousands)
Contractually required payments including interest	$	348,547
Less: nonaccretable difference		(119,011)
Cash flows expected to be collected		229,536
Less: accretable yield		(27,586)
Fair value of loans acquired	$	201,950

The following table presents a rollforward of the accretable yield from the beginning of the period to the end of the period:

	Three Months Ended June 30,		Six Months Ended June 30,
(dollar amounts in thousands)	2012		2012
Balance, beginning of period	$	27,586	$	---
Impact of acquisition/purchase on March 30, 2012		---		27,586
Accretion		(2,825)		(2,825)
Balance, end of period	$	24,761	$	24,761

The following table reflects the outstanding balance of all contractually required payments and carrying amounts of the acquired loans at June 30, 2012:


	June 30, 2012
(in thousands)		Ending Balance		Unpaid Balance
Commercial and industrial	$	57,875	$	84,966
Commercial real estate		135,638		229,124
Residential mortgage		2,355		4,338
Other consumer		632		1,189
Total	$	196,500	$	319,617