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
Sep. 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 September 30, 2013 and December 31, 2012:

 

          September 30,     December 31,
(dollar amounts in thousands)   2013     2012
                 
Loans and leases:          
    Commercial and industrial $ 17,334,533   $ 16,970,689
    Commercial real estate   4,872,725     5,399,240
    Automobile   6,317,112     4,633,820
    Home equity   8,346,685     8,335,342
    Residential mortgage   5,306,964     4,969,672
    Other consumer   377,814     419,662
  Loans and leases   42,555,833     40,728,425
  Allowance for loan and lease losses   (666,030)     (769,075)
Net loans and leases $ 41,889,803   $ 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 September 30, 2013 $ 28,432 $ --- $ --- $ --- $ --- $ --- $ 28,432
    Nine-month period ended September 30, 2013 $ 84,169 $ --- $ --- $ --- $ --- $ --- $ 84,169
                                 
    Three-month period ended September 30, 2012 $ 58,638 $ --- $ --- $ --- $ --- $ --- $ 58,638
    Nine-month period ended September 30, 2012 $ 536,139 $ 378,122 $ --- $ 13,025 $ 62,324 $ 85 $ 989,695
                                 
  Portfolio loans and leases sold or transferred to loans held for sale during the:
    Three-month period ended September 30, 2013 $ 70,823 $ --- $ --- $ --- $ 49,931 $ --- $ 120,754
    Nine-month period ended September 30, 2013 $ 153,889 $ 3,991 $ --- $ --- $ 205,335   --- $ 363,215
                                 
    Three-month period ended September 30, 2012 $ 65,768 $ 4,812 $ --- $ --- $ --- $ --- $ 70,580
    Nine-month period ended September 30, 2012 $ 190,933 $ 52,554 $ 2,783,748 $ --- $ 179,621 $ --- $ 3,206,856
NALs and Past Due Loans

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

 

    2013   2012
(dollar amounts in thousands) September 30,   December 31,
             
Commercial and industrial:          
  Owner occupied $ 43,493   $ 53,009
  Other commercial and industrial   24,541     37,696
Total commercial and industrial $ 68,034   $ 90,705
             
Commercial real estate:          
  Retail properties $ 30,383   $ 31,791
  Multi family   11,295     19,765
  Office   18,461     30,341
  Industrial and warehouse   4,959     6,841
  Other commercial real estate   15,197     38,390
Total commercial real estate $ 80,295   $ 127,128
             
Automobile $ 5,972   $ 7,823
             
Home equity:          
  Secured by first-lien $ 30,347   $ 27,091
  Secured by junior-lien   32,198     32,434
Total home equity $ 62,545   $ 59,525
             
Residential mortgage:          
Residential mortgage $ 116,260   $ 122,452
Total residential mortgages $ 116,260   $ 122,452
             
Other consumer          
Other consumer $ ---   $ ---
Total nonaccrual loans $ 333,106   $ 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 September 30, 2013 and December 31, 2012: (1)

September 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 $ 7,858 $ 3,665 $ 30,621 $ 42,144   $ 4,349,691 $ 4,391,835   $ ---
  Purchased credit-impaired   402   774   19,217   20,393     23,245   43,638     19,217
  Other commercial and industrial   11,235   3,297   10,109   24,641     12,874,419   12,899,060     ---
Total commercial and industrial $ 19,495 $ 7,736 $ 59,947 $ 87,178   $ 17,247,355 $ 17,334,533   $ 19,217(2)
                                   
Commercial real estate:                                
  Retail properties $ 2,822 $ 2,022 $ 5,851 $ 10,695   $ 1,224,025 $ 1,234,720   $ ---
  Multi family   2,059   823   8,253   11,135     960,380   971,515     ---
  Office   4,501   1,201   15,887   21,589     948,001   969,590     ---
  Industrial and warehouse   3,049   1,194   2,729   6,972     520,784   527,756     ---
  Purchased credit-impaired   2,545   3,109   44,026   49,680     39,566   89,246     44,026
  Other commercial real estate   2,375   568   9,628   12,571     1,067,327   1,079,898     ---
Total commercial real estate $ 17,351 $ 8,917 $ 86,374 $ 112,642   $ 4,760,083 $ 4,872,725   $ 44,026(2)
                                   
Automobile $ 34,808 $ 7,554 $ 3,683 $ 46,045   $ 6,271,067 $ 6,317,112   $ 3,599
                                   
Home equity:                                
  Secured by first-lien $ 17,554 $ 7,830 $ 28,877 $ 54,261   $ 4,699,206 $ 4,753,467   $ 6,493
  Secured by junior-lien   31,079   14,030   30,418   75,527     3,517,691   3,593,218     6,551
Total home equity $ 48,633 $ 21,860 $ 59,295 $ 129,788   $ 8,216,897 $ 8,346,685   $ 13,044
                                   
Residential mortgage:                                
  Residential mortgage $ 114,101 $ 37,628 $ 164,564 $ 316,293   $ 4,988,384 $ 5,304,677   $ 95,569(3)
  Purchased credit-impaired   106   ---   178   284     2,003   2,287     179
Total residential mortgage $ 114,207 $ 37,628 $ 164,742 $ 316,577   $ 4,990,387 $ 5,306,964   $ 95,748
                                   
Other consumer:                                
  Other consumer $ 6,326 $ 1,430 $ 1,100 $ 8,856   $ 368,831 $ 377,687   $ 1,102
  Purchased credit-impaired   ---   ---   ---   ---     127   127     ---
Total other consumer $ 6,326 $ 1,430 $ 1,100 $ 8,856   $ 368,958 $ 377,814   $ 1,102
                                   
Total loans and leases $ 240,820 $ 85,125 $ 375,141 $ 701,086   $ 41,854,747 $ 42,555,833   $ 176,736
                                   
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(2)
                                   
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(2)
                                   
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 $81,770 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 nine-month periods ended September 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 September 30, 2013:
                                 
  ALLL balance, beginning of period $ 233,679 $ 255,849 $ 39,990 $ 115,626 $ 63,802 $ 24,130 $ 733,076
    Loan charge-offs   (9,226)   (22,759)   (6,000)   (30,206)   (7,435)   (9,626)   (85,252)
    Recoveries of loans previously charged-off   7,565   10,196   3,279   3,031   2,646   2,793   29,510
    Provision for loan and lease losses   30,030   (78,764)   (10,182)   35,617   (7,691)   19,756   (11,234)
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (70)   ---   (70)
  ALLL balance, end of period $ 262,048 $ 164,522 $ 27,087 $ 124,068 $ 51,252 $ 37,053 $ 666,030
                                 
  AULC balance, beginning of period $ 37,471 $ 4,408 $ --- $ 1,688 $ 6 $ 650 $ 44,223
    Provision for unfunded loan commitments and letters of credit   13,621   8,394   ---   59   7   553   22,634
  AULC balance, end of period $ 51,092 $ 12,802 $ --- $ 1,747 $ 13 $ 1,203 $ 66,857
                                 
  ACL balance, end of period $ 313,140 $ 177,324 $ 27,087 $ 125,815 $ 51,265 $ 38,256 $ 732,887
                                 
Nine-month period ended September 30, 2013:
                                 
  ALLL balance, beginning of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
    Loan charge-offs   (31,220)   (59,320)   (16,907)   (74,504)   (25,028)   (25,653)   (232,632)
    Recoveries of loans previously charged-off   24,656   31,596   10,129   12,692   5,471   5,869   90,413
    Provision for loan and lease losses   27,561   (93,123)   (1,114)   67,116   9,485   29,583   39,508
    Allowance for loans sold or transferred to loans held for sale   ---   ---   ---   ---   (334)   ---   (334)
  ALLL balance, end of period $ 262,048 $ 164,522 $ 27,087 $ 124,068 $ 51,252 $ 37,053 $ 666,030
                                 
  AULC balance, beginning of period $ 33,868 $ 4,740 $ --- $ 1,356 $ 3 $ 684 $ 40,651
    Provision for unfunded loan commitments and letters of credit   17,224   8,062   ---   391   10   519   26,206
  AULC balance, end of period $ 51,092 $ 12,802 $ --- $ 1,747 $ 13 $ 1,203 $ 66,857
                                 
  ACL balance, end of period $ 313,140 $ 177,324 $ 27,087 $ 125,815 $ 51,265 $ 38,256 $ 732,887

      Commercial Commercial   Home Residential Other    
  and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)                            
                                 
Three-month period ended September 30, 2012:
                                 
  ALLL balance, beginning of period $ 280,548 $ 305,391 $ 30,217 $ 135,562 $ 78,015 $ 29,913 $ 859,646
    Loan charge-offs   (22,522)   (26,513)   (7,925)   (48,710)   (17,644)   (8,872)   (132,186)
    Recoveries of loans previously charged-off   9,499   9,139   3,906   2,114   764   1,669   27,091
    Provision for loan and lease losses   (10,444)   (7,641)   7,187   33,639   5,809   5,869   34,419
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (104)   ---   276   ---   172
  ALLL balance, end of period $ 257,081 $ 280,376 $ 33,281 $ 122,605 $ 67,220 $ 28,579 $ 789,142
                                 
  AULC balance, beginning of period $ 42,844 $ 5,225 $ --- $ 2,190 $ 4 $ 715 $ 50,978
    Provision for unfunded loan commitments and letters of credit   3,263   (125)   ---   (513)   (1)   (39)   2,585
  AULC balance, end of period $ 46,107 $ 5,100 $ --- $ 1,677 $ 3 $ 676 $ 53,563
                                 
  ACL balance, end of period $ 303,188 $ 285,476 $ 33,281 $ 124,282 $ 67,223 $ 29,255 $ 842,705
                                 
Nine-month period ended September 30, 2012:
                                 
  ALLL balance, beginning of period $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
    Loan charge-offs   (79,746)   (83,662)   (20,534)   (97,058)   (41,292)   (25,946)   (348,238)
    Recoveries of loans previously charged-off   22,550   26,604   12,988   5,688   3,056   5,020   75,906
    Provision for loan and lease losses   38,910   (51,272)   7,784   70,102   19,200   18,099   102,823
    Allowance for loans sold or transferred to loans held for sale   ---   ---   (5,239)   ---   (938)   ---   (6,177)
  ALLL balance, end of period $ 257,081 $ 280,376 $ 33,281 $ 122,605 $ 67,220 $ 28,579 $ 789,142
                                 
  AULC balance, beginning of period $ 39,658 $ 5,852 $ --- $ 2,134 $ 1 $ 811 $ 48,456
    Provision for unfunded loan commitments and letters of credit   6,449   (752)   ---   (457)   2   (135)   5,107
  AULC balance, end of period $ 46,107 $ 5,100 $ --- $ 1,677 $ 3 $ 676 $ 53,563
                                 
  ACL balance, end of period $ 303,188 $ 285,476 $ 33,281 $ 124,282 $ 67,223 $ 29,255 $ 842,705
Loan and lease balances by credit quality indicator

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

    September 30, 2013  
  Credit Risk Profile by UCS classification  
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total  
Commercial and industrial:                      
  Owner occupied $ 4,035,048 $ 169,877 $ 184,075 $ 2,835 $ 4,391,835  
  Purchased credit-impaired   5,123   1,970   35,635   910   43,638  
  Other commercial and industrial   12,297,970   213,288   383,695   4,107   12,899,060  
Total commercial and industrial $ 16,338,141 $ 385,135 $ 603,405 $ 7,852 $ 17,334,533  
                         
Commercial real estate:                      
  Retail properties $ 1,103,417 $ 32,465 $ 98,838 $ --- $ 1,234,720  
  Multi family   916,230   14,715   40,456   114   971,515  
  Office   862,359   20,884   85,475   872   969,590  
  Industrial and warehouse   481,288   17,668   28,800   ---   527,756  
  Purchased credit-impaired   11,988   5,941   71,317   ---   89,246  
  Other commercial real estate   986,227   17,854   75,518   299   1,079,898  
Total commercial real estate $ 4,361,509 $ 109,527 $ 400,404 $ 1,285 $ 4,872,725  
                         
    Credit Risk Profile by FICO score (1)  
    750+ 650-749 <650 Other (2) Total  
Automobile $ 2,836,051 $ 2,427,360 $ 874,804 $ 178,897 $ 6,317,112  
                         
Home equity:                      
  Secured by first-lien $ 2,946,368 $ 1,413,536 $ 316,154 $ 77,409 $ 4,753,467  
  Secured by junior-lien   1,827,991   1,264,222   429,749   71,256   3,593,218  
Total home equity $ 4,774,359 $ 2,677,758 $ 745,903 $ 148,665 $ 8,346,685  
                         
Residential mortgage:                      
  Residential mortgage $ 2,772,000 $ 1,733,926 $ 714,181 $ 84,570 $ 5,304,677  
  Purchased credit-impaired   428   1,130   729   ---   2,287  
Total residential mortgage $ 2,772,428 $ 1,735,056 $ 714,910 $ 84,570 $ 5,306,964  
                         
Other consumer:                      
  Other consumer $ 148,866 $ 146,839 $ 44,214 $ 37,768 $ 377,687  
  Purchased credit-impaired   ---   89   38   ---   127  
Total other consumer $ 148,866 $ 146,928 $ 44,252 $ 37,768 $ 377,814  
                         
                         
    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 September 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 September 30, 2013:
                                 
  Portion of ALLL balance:
                                 
    Attributable to purchased credit-impaired loans $ 1,190 $ 916 $ --- $ --- $ 57 $ --- $ 2,163
    Attributable to loans individually evaluated for impairment   10,340   30,704   676   5,015   12,711   77   59,523
    Attributable to loans collectively evaluated for impairment   250,518   132,902   26,411   119,053   38,484   36,976   604,344
  Total ALLL balance $ 262,048 $ 164,522 $ 27,087 $ 124,068 $ 51,252 $ 37,053 $ 666,030
                                 
                                 
Loan and Lease Ending Balances at September 30, 2013:
                                 
  Portion of loan and lease ending balance:
                                 
    Attributable to purchased credit-impaired loans $ 43,638 $ 89,246 $ --- $ --- $ 2,287 $ 127 $ 135,298
    Individually evaluated for impairment   115,590   268,406   36,953   165,025   378,334   959   965,267
    Collectively evaluated for impairment   17,175,305   4,515,073   6,280,159   8,181,660   4,926,343   376,728   41,455,268
  Total loans and leases evaluated for impairment $ 17,334,533 $ 4,872,725 $ 6,317,112 $ 8,346,685 $ 5,306,964 $ 377,814 $ 42,555,833
                                 
                                 

                                 
                   
(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   Nine Months Ended
  September 30, 2013   September 30, 2013   September 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 $ 4,144 $ 4,185 $ ---   $ 4,960 $ 42   $ 4,456 $ 126
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   18,204   24,912   ---     14,254   168     12,389   473
  Total commercial and industrial $ 22,348 $ 29,097 $ ---   $ 19,214 $ 210   $ 16,845 $ 599
                                     
  Commercial real estate:                                
    Retail properties $ 40,698 $ 42,255 $ ---   $ 38,514 $ 557   $ 47,186 $ 1,867
    Multi family   4,197   4,315   ---     4,203   63     4,836   220
    Office   9,155   13,819   ---     9,183   313     13,168   845
    Industrial and warehouse   7,107   8,228   ---     9,282   129     11,467   478
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial real estate   6,212   7,103   ---     6,216   159     8,581   382
  Total commercial real estate $ 67,369 $ 75,720 $ ---   $ 67,398 $ 1,221   $ 85,238 $ 3,792
                                     
  Automobile $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Home equity:                                
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Secured by junior-lien   ---   ---   ---     ---   ---     ---   ---
  Total home equity $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Residential mortgage:                                
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
  Total residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   127   223   ---     129   4     139   11
  Total other consumer $ 127 $ 223 $ ---   $ 129 $ 4   $ 139 $ 11
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 40,258 $ 47,148 $ 4,052   $ 39,656 $ 332   $ 42,155 $ 1,024
    Purchased credit-impaired   43,638   63,023   1,190     46,942   1,485     50,421   3,775
    Other commercial and industrial   52,984   86,121   6,288     61,563   886     62,320   2,510
  Total commercial and industrial $ 136,880 $ 196,292 $ 11,530   $ 148,161 $ 2,703   $ 154,896 $ 7,309
                                     
  Commercial real estate: (4)                                
    Retail properties $ 87,520 $ 115,601 $ 6,587   $ 67,209 $ 448   $ 58,928 $ 1,303
    Multi family   13,733   14,425   1,891     13,646   159     15,295   490
    Office   54,762   60,471   12,969     49,486   490     46,543   1,291
    Industrial and warehouse   13,167   14,479   1,376     10,381   303     16,535   671
    Purchased credit-impaired   89,246   172,618   916     97,719   3,038     110,124   7,721
    Other commercial real estate   31,855   40,401   7,881     32,579   332     37,436   1,150
  Total commercial real estate $ 290,283 $ 417,995 $ 31,620   $ 271,020 $ 4,770   $ 284,861 $ 12,626
                                     
  Automobile $ 36,953 $ 38,513 $ 676   $ 38,732 $ 817   $ 40,555 $ 2,121
                                     
  Home equity:                                
    Secured by first-lien $ 95,268 $ 98,189 $ 1,940   $ 90,952 $ 1,062   $ 92,723 $ 2,953
    Secured by junior-lien   69,757   85,651   3,075     64,553   873     57,743   2,186
  Total home equity $ 165,025 $ 183,840 $ 5,015   $ 155,505 $ 1,935   $ 150,466 $ 5,139
                                     
  Residential mortgage (6):                                
    Residential mortgage $ 378,334 $ 3,420,179 $ 12,711   $ 356,855 $ 2,971   $ 365,148 $ 8,713
    Purchased credit-impaired   2,287   3,619   57     2,169   78     2,232   198
  Total residential mortgage $ 380,621 $ 3,423,798 $ 12,768   $ 359,024 $ 3,049   $ 367,380 $ 8,911
                                     
  Other consumer:                                
    Other consumer $ 959 $ 959 $ 77   $ 2,171 $ 29   $ 2,378 $ 83
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
  Total other consumer $ 959 $ 959 $ 77   $ 2,171 $ 29   $ 2,378 $ 83

                    Three Months Ended   Nine Months Ended
  December 31, 2012   September 30, 2012   September 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 $ ---   $ 4,702 $ 1   $ 5,310 $ 61
    Purchased credit-impaired   54,472   80,294   ---     62,740   935     64,627   1,767
    Other commercial and industrial   31,841   54,520   ---     9,274   88     8,556   343
  Total commercial and industrial $ 87,363 $ 135,905 $ ---   $ 76,716 $ 1,024   $ 78,493 $ 2,171
                                     
  Commercial real estate:                                
    Retail properties $ 54,216 $ 56,569 $ ---   $ 53,317 $ 531   $ 52,127 $ 2,007
    Multi family   5,719   5,862   ---     5,413   85     5,879   278
    Office   20,051   24,843   ---     8,695   138     4,631   191
    Industrial and warehouse   15,013   17,476   ---     9,779   106     8,045   312
    Purchased credit-impaired   126,923   226,093   ---     134,279   2,004     138,858   3,954
    Other commercial real estate   10,479   10,728   ---     15,070   140     17,068   412
  Total commercial real estate $ 232,401 $ 341,571 $ ---   $ 226,553 $ 3,004   $ 226,608 $ 7,154
                                     
                                     
  Home equity:                                
    Secured by first-lien $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Secured by junior-lien   ---   ---   ---     ---   ---     ---   ---
  Total home equity $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
                                     
  Residential mortgage:                                
    Residential mortgage $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   2,243   4,104   ---     2,293   34     3,947   68
  Total residential mortgage $ 2,243 $ 4,104 $ ---   $ 2,293 $ 34   $ 3,947 $ 68
                                     
  Other consumer                                
    Other consumer $ --- $ --- $ ---   $ --- $ ---   $ --- $ ---
    Purchased credit-impaired   140   245   ---     626   9     782   18
  Total other consumer $ 140 $ 245 $ ---   $ 626 $ 9   $ 782 $ 18
                                     
With an allowance recorded:                                
  Commercial and industrial: (3)                                
    Owner occupied $ 46,266 $ 56,925 $ 5,730   $ 39,339 $ 303   $ 38,927 $ 998
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial and industrial   40,378   52,996   5,964     56,377   424     77,289   1,906
  Total commercial and industrial $ 86,644 $ 109,921 $ 11,694   $ 95,716 $ 727   $ 116,216 $ 2,904
                                     
  Commercial real estate: (4)                                
    Retail properties $ 65,004 $ 73,000 $ 8,144   $ 109,146 $ 848   $ 117,069 $ 4,032
    Multi family   17,410   18,531   2,662     26,375   280     29,734   1,108
    Office   40,375   45,164   9,214     10,394   52     16,954   210
    Industrial and warehouse   22,450   25,374   1,092     23,854   151     24,205   504
    Purchased credit-impaired   ---   ---   ---     ---   ---     ---   ---
    Other commercial real estate   48,174   63,148   10,021     66,999   455     74,020   2,032
  Total commercial real estate $ 193,413 $ 225,217 $ 31,133   $ 236,768 $ 1,786   $ 261,982 $ 7,886
                                     
  Automobile $ 43,607 $ 44,790 $ 1,446   $ 39,996 $ 782   $ 38,022 $ 2,398
                                     
  Home equity:                                
    Secured by first-lien $ 76,258 $ 80,831 $ 1,329   $ 59,247 $ 730   $ 49,559 $ 1,769
    Secured by junior-lien   41,274   63,390