Quarterly report pursuant to Section 13 or 15(d)

Loans and Leases and Allowance for Credit Losses (Tables)

v2.4.0.8
Loans and Leases and Allowance for Credit Losses (Tables)
 3 Months Ended
Jun. 30, 2013
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, 2013 and December 31, 2012:

 

          June 30,     December 31,
(dollar amounts in thousands)   2013     2012
                 
Loans and leases:          
    Commercial and industrial $ 17,112,784   $ 16,970,689
    Commercial real estate   4,892,443     5,399,240
    Automobile   5,810,103     4,633,820
    Home equity   8,369,226     8,335,342
    Residential mortgage   5,167,843     4,969,672
    Other consumer   387,448     419,662
  Loans and leases   41,739,847     40,728,425
  Allowance for loan and lease losses   (733,076)     (769,075)
Net loans and leases $ 41,006,771   $ 39,959,350
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, 2013 $ 34,196 $ --- $ --- $ --- $ --- $ --- $ 34,196
    Six-month period ended June 30, 2013 $ 55,737 $ --- $ --- $ --- $ --- $ --- $ 55,737
                                 
    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
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:                            
    Three-month period ended June 30, 2013 $ 55,464 $ 87 $ --- $ --- $ 151,013 $ --- $ 206,564
    Six-month period ended June 30, 2013 $ 83,066 $ 3,991 $ --- $ --- $ 155,403   --- $ 242,460
                                 
    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
NALs and Past Due Loans

The following table presents NALs by loan class at June 30, 2013 and December 31, 2012:

 

    2013   2012
(dollar amounts in thousands) June 30,   December 31,
             
Commercial and industrial:          
  Owner occupied $ 48,021   $ 53,009
  Other commercial and industrial   32,016     37,696
Total commercial and industrial $ 80,037   $ 90,705
             
Commercial real estate:          
  Retail properties $ 31,353   $ 31,791
  Multi family   13,231     19,765
  Office   27,486     30,341
  Industrial and warehouse   3,211     6,841
  Other commercial real estate   18,362     38,390
Total commercial real estate $ 93,643   $ 127,128
             
Automobile $ 7,743   $ 7,823
             
Home equity:          
  Secured by first-lien $ 28,409   $ 27,091
  Secured by junior-lien   31,674     32,434
Total home equity $ 60,083   $ 59,525
             
Residential mortgage:          
Residential mortgage $ 122,040   $ 122,452
Total residential mortgages $ 122,040   $ 122,452
             
Other consumer          
Other consumer $ ---   $ ---
Total nonaccrual loans $ 363,546   $ 407,633
             
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, 2013 and December 31, 2012: (1)

 

June 30, 2013
                              90 or more
(dollar amounts in thousands) Past Due       Total Loans   days past due
  30-59 Days 60-89 Days 90 or more days Total   Current and Leases   and accruing
                                   
Commercial and industrial:                                
  Owner occupied $ 10,243 $ 4,479 $ 32,793 $ 47,515   $ 4,323,352 $ 4,370,867   $ ---
  Purchased credit-impaired   1,392   1,420   24,851   27,663     22,583   50,246     24,851
  Other commercial and industrial   12,508   6,562   13,493   32,563     12,659,108   12,691,671     ---
Total commercial and industrial $ 24,143 $ 12,461 $ 71,137 $ 107,741   $ 17,005,043 $ 17,112,784   $ 24,851(2)
                                   
Commercial real estate:                                
  Retail properties $ 3,620 $ 286 $ 6,847 $ 10,753   $ 1,249,009 $ 1,259,762   $ ---
  Multi family   10,636   866   9,394   20,896     932,519   953,415     ---
  Office   6,428   2,194   21,374   29,996     901,880   931,876     ---
  Industrial and warehouse   1,022   2,102   1,499   4,623     536,273   540,896     ---
  Purchased credit-impaired   4,824   1,257   45,051   51,132     55,061   106,193     45,051
  Other commercial real estate   5,250   404   9,374   15,028     1,085,273   1,100,301     ---
Total commercial real estate $ 31,780 $ 7,109 $ 93,539 $ 132,428   $ 4,760,015 $ 4,892,443   $ 45,051(2)
                                   
Automobile $ 30,814   5,584 $ 3,442 $ 39,840   $ 5,770,263 $ 5,810,103   $ 3,392
                                   
Home equity:                                
  Secured by first-lien $ 17,666 $ 6,676 $ 28,088 $ 52,430   $ 4,588,234 $ 4,640,664   $ 4,806
  Secured by junior-lien   31,764   10,735   31,141   73,640     3,654,922   3,728,562     9,439
Total home equity $ 49,430 $ 17,411 $ 59,229 $ 126,070   $ 8,243,156 $ 8,369,226   $ 14,245
                                   
Residential mortgage:                                
  Residential mortgage $ 135,161 $ 48,260 $ 164,750 $ 348,171   $ 4,817,622 $ 5,165,793   $ 92,245(3)
  Purchased credit-impaired   106   ---   234   340     1,710   2,050     107
Total residential mortgage $ 135,267 $ 48,260 $ 164,984 $ 348,511   $ 4,819,332 $ 5,167,843   $ 92,352
                                   
Other consumer:                                
  Other consumer $ 5,075 $ 959 $ 1,367 $ 7,401   $ 379,916 $ 387,317   $ 1,367
  Purchased credit-impaired   69   ---   ---   69     62   131     ---
Total other consumer $ 5,144 $ 959 $ 1,367 $ 7,470   $ 379,978 $ 387,448   $ 1,367
                                   
Total loans and leases $ 276,580 $ 91,784 $ 393,697 $ 762,062   $ 40,977,785 $ 41,739,847   $ 181,258
                                   
December 31, 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 $ 11,409 $ 6,302 $ 31,997 $ 49,708   $ 4,236,211 $ 4,285,919   $ ---
  Purchased credit-impaired   986   3,533   26,648   31,167     23,305   54,472     26,648
  Other commercial and industrial   20,273   4,211   14,786   39,270     12,591,028   12,630,298     ---
Total commercial and industrial $ 32,668 $ 14,046 $ 73,431 $ 120,145   $ 16,850,544 $ 16,970,689   $ 26,648
                                   
Commercial real estate:                                
  Retail properties $ 3,459 $ 4,203 $ 9,677 $ 17,339   $ 1,413,520 $ 1,430,859   $ ---
  Multi family   7,961   1,314   12,062   21,337     963,063   984,400     ---
  Office   1,054   2,415   23,335   26,804     909,310   936,114     ---
  Industrial and warehouse   6,597   118   5,433   12,148     584,754   596,902     ---
  Purchased credit-impaired   556   1,751   56,660   58,967     67,956   126,923     56,660
  Other commercial real estate   2,725   2,192   25,463   30,380     1,293,662   1,324,042     ---
Total commercial real estate $ 22,352 $ 11,993 $ 132,630 $ 166,975   $ 5,232,265 $ 5,399,240   $ 56,660
                                   
Automobile $ 36,267 $ 7,803 $ 4,438 $ 48,508   $ 4,585,312 $ 4,633,820   $ 4,418
                                   
Home equity                                
  Secured by first-lien $ 26,288 $ 9,992 $ 28,322 $ 64,602   $ 4,315,985 $ 4,380,587   $ 5,202
  Secured by junior-lien   34,365   16,553   35,150   86,068     3,868,687   3,954,755     12,998
Total home equity $ 60,653 $ 26,545 $ 63,472 $ 150,670   $ 8,184,672 $ 8,335,342   $ 18,200
                                   
Residential mortgage                                
  Residential mortgage $ 118,582 $ 44,747 $ 164,035 $ 327,364   $ 4,640,065 $ 4,967,429   $ 92,925(4)
  Purchased credit-impaired   58   ---   609   667     1,576   2,243     609
Total residential mortgage $ 118,640 $ 44,747 $ 164,644 $ 328,031   $ 4,641,641 $ 4,969,672   $ 93,534
                                   
Other consumer                                
  Other consumer $ 7,431 $ 2,117 $ 1,672 $ 11,220   $ 408,302 $ 419,522   $ 1,672
  Purchased credit-impaired   ---   76   ---   76     64   140     ---
Total other consumer $ 7,431 $ 2,193 $ 1,672 $ 11,296   $ 408,366 $ 419,662   $ 1,672
                                   
Total loans and leases $ 278,011 $ 107,327 $ 440,287 $ 825,625   $ 39,902,800 $ 40,728,425   $ 201,132
                                   
                                   
(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 $87,135 thousand guaranteed by the U.S. government.
(4) Includes $90,816 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, 2013 and 2012:

 

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended June 30, 2013:                            
                                 
  ALLL balance, beginning of period $ 238,098 $ 267,436 $ 35,973 $ 115,858 $ 63,062 $ 26,342 $ 746,769
    Loan charge-offs   (8,981)   (14,194)   (5,219)   (17,766)   (9,692)   (7,386)   (63,238)
    Recoveries of loans previously charged-off   7,395   11,810   3,756   3,112   1,072   1,303   28,448
    Provision for loan and lease losses   (2,833)   (9,203)   5,480   14,422   9,617   3,871   21,354
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (257)   ---   (257)
  ALLL balance, end of period $ 233,679 $ 255,849 $ 39,990 $ 115,626 $ 63,802 $ 24,130 $ 733,076
                                 
  AULC balance, beginning of period $ 33,835 $ 4,404 $ --- $ 1,912 $ 6 $ 698 $ 40,855
    Provision for unfunded loan commitments and letters of credit   3,636   4   ---   (224)   ---   (48)   3,368
  AULC balance, end of period $ 37,471 $ 4,408 $ --- $ 1,688 $ 6 $ 650 $ 44,223
                                 
  ACL balance, end of period $ 271,150 $ 260,257 $ 39,990 $ 117,314 $ 63,808 $ 24,780 $ 777,299
                                 
Six-month period ended June 30, 2013:                            
                                 
  ALLL balance, beginning of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
    Loan charge-offs   (21,994)   (36,561)   (10,907)   (44,298)   (17,593)   (16,027)   (147,380)
    Recoveries of loans previously charged-off   17,091   21,400   6,850   9,661   2,825   3,076   60,903
    Provision for loan and lease losses   (2,469)   (14,359)   9,068   31,499   17,176   9,827   50,742
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (264)   ---   (264)
  ALLL balance, end of period $ 233,679 $ 255,849 $ 39,990 $ 115,626 $ 63,802 $ 24,130 $ 733,076
                                 
  AULC balance, beginning of period $ 33,868 $ 4,740 $ --- $ 1,356 $ 3 $ 684 $ 40,651
    Provision for unfunded loan commitments and letters of credit   3,603   (332)   ---   332   3   (34)   3,572
  AULC balance, end of period $ 37,471 $ 4,408 $ --- $ 1,688 $ 6 $ 650 $ 44,223
                                 
  ACL balance, end of period $ 271,150 $ 260,257 $ 39,990 $ 117,314 $ 63,808 $ 24,780 $ 777,299

      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:                            
                                 
  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:                            
                                 
  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
Loan and lease balances by credit quality indicator

The following table presents each loan and lease class by credit quality indicator at June 30, 2013 and December 31, 2012:

    June 30, 2013  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 4,019,839 $ 156,690 $ 193,794 $ 544 $ 4,370,867  
  Purchased credit-impaired   5,447   2,499   42,300   ---   50,246  
  Other commercial and industrial   12,208,553   130,952   351,468   698   12,691,671  
Total commercial and industrial $ 16,233,839 $ 290,141 $ 587,562 $ 1,242 $ 17,112,784  
                         
Commercial real estate:                      
  Retail properties $ 1,096,592 $ 22,079 $ 141,091 $ --- $ 1,259,762  
  Multi family   896,219   15,029   42,052   115   953,415  
  Office   827,692   15,667   88,483   34   931,876  
  Industrial and warehouse   491,788   11,688   37,420   ---   540,896  
  Purchased credit-impaired   15,637   8,457   81,368   731   106,193  
  Other commercial real estate   995,884   15,287   88,882   248   1,100,301  
Total commercial real estate $ 4,323,812 $ 88,207 $ 479,296 $ 1,128 $ 4,892,443  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,598,464 $ 2,231,028 $ 819,828 $ 160,783 $ 5,810,103  
                         
Home equity:                      
  Secured by first-lien $ 2,915,640 $ 1,384,432 $ 294,703 $ 45,889 $ 4,640,664  
  Secured by junior-lien   1,899,341   1,305,376   456,991   66,854   3,728,562  
Total home equity $ 4,814,981 $ 2,689,808 $ 751,694 $ 112,743 $ 8,369,226  
                         
Residential mortgage:                      
  Residential mortgage $ 2,702,524 $ 1,664,577 $ 720,024 $ 78,667 $ 5,165,792  
  Purchased credit-impaired   429   1,126   341   155   2,051  
Total residential mortgage $ 2,702,953 $ 1,665,703 $ 720,365 $ 78,822 $ 5,167,843  
                         
Other consumer:                      
  Other consumer $ 154,863 $ 151,411 $ 48,614 $ 32,429 $ 387,317  
  Purchased credit-impaired   ---   90   41   ---   131  
Total other consumer $ 154,863 $ 151,501 $ 48,655 $ 32,429 $ 387,448  
                         
                         
    December 31, 2012  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 3,970,597 $ 108,731 $ 205,822 $ 769 $ 4,285,919  
  Purchased credit-impaired   1,663   6,555   46,254   ---   54,472  
  Other commercial and industrial   12,146,017   145,111   337,805   1,365   12,630,298  
Total commercial and industrial $ 16,118,277 $ 260,397 $ 589,881 $ 2,134 $ 16,970,689  
                         
Commercial real estate:                      
  Retail properties $ 1,184,987 $ 63,976 $ 181,896 $ --- $ 1,430,859  
  Multi family   902,616   24,098   57,548   138   984,400  
  Office   826,533   26,488   83,093   ---   936,114  
  Industrial and warehouse   540,484   15,132   41,286   ---   596,902  
  Purchased credit-impaired   10,052   18,085   98,786   ---   126,923  
  Other commercial real estate   1,177,213   43,454   103,262   113   1,324,042  
Total commercial real estate $ 4,641,885 $ 191,233 $ 565,871 $ 251 $ 5,399,240  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,233,439 $ 1,900,824 $ 682,518 $ 117,039 $ 4,933,820 (3)
                         
Home equity:                      
  Secured by first-lien $ 2,618,888 $ 1,345,621 $ 357,019 $ 59,059 $ 4,380,587  
  Secured by junior-lien   2,046,143   1,375,636   491,226   41,750   3,954,755  
Total home equity $ 4,665,031 $ 2,721,257 $ 848,245 $ 100,809 $ 8,335,342  
                         
Residential mortgage                      
  Residential mortgage $ 2,561,210 $ 1,673,485 $ 711,750 $ 20,984 $ 4,967,429  
  Purchased credit-impaired   373   1,303   567   ---   2,243  
Total residential mortgage $ 2,561,583 $ 1,674,788 $ 712,317 $ 20,984 $ 4,969,672  
                         
Other consumer                      
  Other consumer $ 169,792 $ 167,389 $ 59,815 $ 22,526 $ 419,522  
  Purchased credit-impaired   ---   93   47   ---   140  
Total other consumer $ 169,792 $ 167,482 $ 59,862 $ 22,526 $ 419,662  
                         
                         
(1) Reflects currently updated customer credit scores.  
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.  
(3) Included $0.3 billion of loans reflected as loans held for sale related to an automobile securitization expected to be completed in 2013. During the 2013 second quarter, this amount was transferred from loans held for sale to the automobile portfolio based on Management's intent and ability to hold these loans for the foreseeable future.  
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, 2013 and December 31, 2012:

                                 
      Commercial Commercial     Residential Other  
(dollar amounts in thousands) and Industrial Real Estate Automobile Home Equity Mortgage Consumer Total
                                 
ALLL at June 30, 2013:                            
                                 
  Portion of ALLL balance:                            
                                 
    Attributable to purchased credit-impaired loans $ 917 $ 1,411 $ --- $ --- $ --- $ --- $ 2,328
    Attributable to loans individually evaluated for impairment   13,723   28,831   890   4,474   12,565   177   60,660
    Attributable to loans collectively evaluated for impairment   219,039   225,607   39,100   111,152   51,237   23,953   670,088
  Total ALLL balance $ 233,679 $ 255,849 $ 39,990 $ 115,626 $ 63,802 $ 24,130 $ 733,076
                                 
                                 
Loan and Lease Ending Balances at June 30, 2013:                            
                                 
  Portion of loan and lease ending balance:                            
                                 
    Attributable to purchased credit-impaired loans $ 50,246 $ 106,193 $ --- $ --- $ 2,051 $ 131 $ 158,621
    Individually evaluated for impairment   132,197   244,870   40,511   145,987   374,496   3,383   941,444
    Collectively evaluated for impairment   16,930,341   4,541,380   5,769,592   8,223,239   4,791,296   383,934   40,639,782
  Total loans and leases evaluated for impairment $ 17,112,784 $ 4,892,443 $ 5,810,103 $ 8,369,226 $ 5,167,843 $ 387,448 $ 41,739,847
                                 
                                 

                                 
                   
(dollar amounts in thousands) Commercial and Industrial Commercial Real Estate Automobile Home Equity Residential Mortgage Other Consumer Total
                                 
ALLL at December 31, 2012                            
                                 
  Portion of ALLL balance:                            
                                 
    Attributable to purchased credit-impaired loans $ --- $ --- $ --- $ --- $ --- $ --- $ ---
    Attributable to loans individually evaluated for impairment   11,694   31,133   1,446   4,783   14,176   213   63,445
    Attributable to loans collectively evaluated for impairment   229,357   254,236   33,533   113,981   47,482   27,041   705,630
  Total ALLL balance: $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
                                 
Loan and Lease Ending Balances at December 31, 2012                            
                                 
  Portion of loan and lease ending balances:                            
                                 
    Attributable to purchased credit-impaired loans $ 54,472 $ 126,923 $ --- $ --- $ 2,243 $ 140 $ 183,778
    Individually evaluated for impairment   119,535   298,891   43,607   117,532   374,526   2,657   956,748
    Collectively evaluated for impairment   16,796,682   4,973,426   4,590,213   8,217,810   4,592,903   416,865   39,587,899
  Total loans and leases evaluated for impairment $ 16,970,689 $ 5,399,240 $ 4,633,820 $ 8,335,342 $ 4,969,672 $ 419,662 $ 40,728,425
                                 
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, 2013   June 30, 2013   June 30, 2013
          Unpaid           Interest       Interest
      Ending Principal Related   Average Income   Average Income
(dollar amounts in thousands) Balance Balance (5) Allowance   Balance Recognized   Balance Recognized
                                     
With no related allowance recorded:                                
  Commercial and industrial:                                
    Owner occupied $ 5,556 $ 5,995 $ ---   $ 4,668 $ 42   $ 4,204 $ 84
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   17,177   29,088   ---     6,603   71     11,456   306
  Total commercial and industrial $ 22,733 $ 35,083 $ ---   $ 11,271 $ 113   $ 15,660 $ 390
                                     
  Commercial real estate:                                
    Retail properties $ 37,593 $ 39,009 $ ---   $ 48,806 $ 606   $ 51,522 $ 1,310
    Multi family   4,206   4,324   ---     4,662   70     5,152   158
    Office   9,240   13,916   ---     12,473   311     15,161   531
    Industrial and warehouse   10,470   11,592   ---     10,625   152     12,560   349
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial real estate   7,223   8,928   ---     9,250   127     9,764   224
  Total commercial real estate $ 68,732 $ 77,769 $ ---   $ 85,816 $ 1,266   $ 94,159 $ 2,572
                                     
  Automobile $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Home equity:                                
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Secured by junior-lien   ---   ---   ---     ---   ---     ---   ---
  Total home equity $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Residential mortgage:                                
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   2,051   3,531   ---     2,200   49     2,214   92
  Total residential mortgage $ 2,051 $ 3,531 $ ---   $ 2,200 $ 49   $ 2,214 $ 92
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   131   232   ---     144   3     143   6
  Total other consumer $ 131 $ 232 $ ---   $ 144 $ 3   $ 143 $ 6
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 39,375 $ 45,050 $ 4,416   $ 42,193 $ 340   $ 43,158 $ 691
    Purchased credit-impaired   50,246   72,766   917     51,784   1,198     52,682   2,249
    Other commercial and industrial   70,089   84,618   10,435     73,533   966     62,427   1,624
  Total commercial and industrial $ 159,710 $ 202,434 $ 15,768   $ 167,510 $ 2,504   $ 158,267 $ 4,564
                                     
  Commercial real estate: (4)                                
    Retail properties $ 57,306 $ 84,816 $ 6,805   $ 53,584 $ 399   $ 54,780 $ 855
    Multi family   13,690   15,293   2,264     15,058   154     15,961   331
    Office   54,634   61,935   12,679     48,321   417     45,158   801
    Industrial and warehouse   17,343   18,654   1,013     19,138   183     19,624   368
    Purchased credit-impaired   106,193   191,632   1,411     112,163   2,531     117,083   4,753
    Other commercial real estate   33,165   38,442   6,316     34,941   439     39,967   818
  Total commercial real estate $ 282,331 $ 410,772 $ 30,488   $ 283,205 $ 4,123   $ 292,573 $ 7,926
                                     
  Automobile $ 40,511 $ 42,055 $ 890   $ 40,830 $ 866   $ 41,756 $ 1,303
                                     
  Home equity:                                
    Secured by first-lien $ 86,637 $ 89,320 $ 1,449   $ 99,684 $ 950   $ 91,875 $ 1,892
    Secured by junior-lien   59,350   72,064   3,025     59,971   721     53,739   1,313
  Total home equity $ 145,987 $ 161,384 $ 4,474   $ 159,655 $ 1,671   $ 145,614 $ 3,205
                                     
  Residential mortgage (6):                                
    Residential mortgage $ 374,496 $ 414,987 $ 12,565   $ 373,426 $ 2,870   $ 373,793 $ 5,742
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
  Total residential mortgage $ 374,496 $ 414,987 $ 12,565   $ 373,426 $ 2,870   $ 373,793 $ 5,742
                                     
  Other consumer:                                
    Other consumer $ 3,383 $ 3,383 $ 177   $ 2,948 $ 32   $ 2,851 $ 55
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
  Total other consumer $ 3,383 $ 3,383 $ 177   $ 2,948 $ 32   $ 2,851 $ 55

                    Three Months Ended   Six Months Ended
  December 31, 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 $ 1,050 $ 1,091 $ ---   $ 8,038 $ 36   $ 5,614 $ 60
    Purchased credit-impaired   54,472   80,294   ---     70,641   832     70,641   832
    Other commercial and industrial   31,841   54,520   ---     11,114   162     8,196   255
  Total commercial and industrial $ 87,363 $ 135,905 $ ---   $ 89,793 $ 1,030   $ 84,451 $ 1,147
                                     
  Commercial real estate:                                
    Retail properties $ 54,216 $ 56,569 $ ---   $ 54,861 $ 722   $ 51,532 $ 1,476
    Multi family   5,719   5,862   ---     6,033   96     6,112   193
    Office   20,051   24,843   ---     4,010   27     2,598   52
    Industrial and warehouse   15,013   17,476   ---     6,799   100     7,178   206
    Purchased credit-impaired   126,923   226,093   ---     174,299   1,950     174,299   1,950
    Other commercial real estate   10,479   10,728   ---     16,113   125     18,067   273
  Total commercial real estate $ 232,401 $ 341,571 $ ---   $ 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 credit-impaired   2,243   4,104   ---     4,805   34     4,805   34
  Total residential mortgage $ 2,243 $ 4,104 $ ---   $ 4,805 $ 34   $ 4,805 $ 34
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   140   245   ---     864   9     864   9
  Total other consumer $ 140 $ 245 $ ---   $ 864 $ 9   $ 864 $ 9
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 46,266 $ 56,925 $ 5,730   $ 33,400 $ 293   $ 38,411 $ 695
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   40,378   52,996   5,964     86,688   627     87,909   1,482
  Total commercial and industrial $ 86,644 $ 109,921 $ 11,694   $ 120,088 $ 920   $ 126,320 $ 2,177
                                     
  Commercial real estate: (4)                                
    Retail properties $ 65,004 $ 73,000 $ 8,144   $ 118,628 $ 906   $ 121,163 $ 3,185
    Multi family   17,410   18,531   2,662     25,288   206     31,312   828
    Office   40,375   45,164   9,214     17,218   51     20,167   158
    Industrial and warehouse   22,450   25,374   1,092     22,596   74     24,547   353
    Purchased credit-impaired   ---   ---   ---     ---   ---