Allowance For Non-Covered Loan Loss And Credit Quality (Tables)

6 Months Ended

Jun. 30, 2012

Allowance For Non-Covered Loan Loss And Credit Quality [Abstract]

Activity In The Non-Covered Allowance For Loan And Lease Losses

(in thousands)
	Three Months Ended June 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	58,026	$	17,886	$	6,106	$	862	$	3,790	$	86,670
Charge-offs		(7,342)		(3,115)		(925)		(220)		-		(11,602)
Recoveries		352		1,388		72		100		-		1,912
Provision		5,305		3,428		1,399		296		(3,790)		6,638
Balance, end of period	$	56,341	$	19,587	$	6,652	$	1,038	$	-	$	83,618

(in thousands)
	Three Months Ended June 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	63,528	$	20,798	$	5,626	$	856	$	7,025	$	97,833
Charge-offs		(12,883)		(3,179)		(2,195)		(354)		-		(18,611)
Recoveries		2,208		695		100		111		-		3,114
Provision		9,129		5,436		1,623		255		(984)		15,459
Balance, end of period	$	61,982	$	23,750	$	5,154	$	868	$	6,041	$	97,795

(in thousands)
	Six Months Ended June 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	59,574	$	20,485	$	7,625	$	867	$	4,417	$	92,968
Charge-offs		(13,114)		(6,958)		(3,513)		(708)		-		(24,293)
Recoveries		1,307		3,448		167		216		-		5,138
Provision		8,574		2,612		2,373		663		(4,417)		9,805
Balance, end of period	$	56,341	$	19,587	$	6,652	$	1,038	$	-	$	83,618

(in thousands)
	Six Months Ended June 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	64,405	$	22,146	$	5,926	$	803	$	8,641	$	101,921
Charge-offs		(24,314)		(11,355)		(2,929)		(888)		-		(39,486)
Recoveries		3,453		1,091		121		206		-		4,871
Provision		18,438		11,868		2,036		747		(2,600)		30,489
Balance, end of period	$	61,982	$	23,750	$	5,154	$	868	$	6,041	$	97,795

The following table presents the allowance and recorded investment in non-covered loans by portfolio segment and balances individually or collectively evaluated for impairment as of June 30, 2012 and 2011, respectively:

(in thousands)
	June 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	55,868	$	19,587	$	6,649	$	1,038	$	-	$	83,142
Individually evaluated for impairment		473		-		3		-		-		476
Total	$	56,341	$	19,587	$	6,652	$	1,038	$	-	$	83,618
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,782,259	$	1,523,403	$	638,324	$	32,436			$	5,976,422
Individually evaluated for impairment		119,860		19,529		919		-				140,308
Total	$	3,902,119	$	1,542,932	$	639,243	$	32,436			$	6,116,730

(in thousands)
	June 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	59,277	$	20,812	$	5,136	$	868	$	6,041	$	92,134
Individually evaluated for impairment		2,705		2,938		18		-		-		5,661
Total	$	61,982	$	23,750	$	5,154	$	868	$	6,041	$	97,795
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,663,034	$	1,330,749	$	522,309	$	34,584			$	5,550,676
Individually evaluated for impairment		166,464		29,921		178		-				196,563
Total	$	3,829,498	$	1,360,670	$	522,487	$	34,584			$	5,747,239

Schedule of Reserve for Unfunded Commitments and Unfunded Commitments

(in thousands)
	Three Months Ended June 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	97	$	778	$	163	$	64	$	1,102
Net change to other expense		10		12		(1)		3		24
Balance, end of period	$	107	$	790	$	162	$	67	$	1,126

	Three Months Ended June 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	76	$	621	$	162	$	52	$	911
Net change to other expense		(15)		84		7		1		77
Balance, end of period	$	61	$	705	$	169	$	53	$	988

	Six Months Ended June 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	59	$	633	$	185	$	63	$	940
Net change to other expense		48		157		(23)		4		186
Balance, end of period	$	107	$	790	$	162	$	67	$	1,126

	Six Months Ended June 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	33	$	575	$	158	$	52	$	818
Net change to other expense		28		130		11		1		170
Balance, end of period	$	61	$	705	$	169	$	53	$	988

		Commercial						Consumer
		Real Estate		Commercial		Residential		& Other		Total
Unfunded loan commitments:
June 30, 2012	$	118,624	$	896,662	$	251,031	$	52,768	$	1,319,085
June 30, 2011	$	61,478	$	674,210	$	226,790	$	45,483	$	1,007,961

Non-Covered Loans Sold

	Three months ended				Six months ended
	June 30,				June 30,
	2012		2011		2012		2011
Commercial real estate
Term & multifamily	$	1,289	$	1,385	$	4,940	$	3,884
Residential development		-		-		-		2
Commercial
Term		-		-		-		151
LOC & other		55		-		832		2,740
Residential
Mortgage		192		-		192		-
Home equity loans & lines		-		-		-		-
Consumer & Other		-		-		-		-
Total	$	1,536	$	1,385	$	5,964	$	6,777

Non-Covered Non-Accrual Loans And Loans Past Due

(in thousands)
	June 30, 2012
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days and Accruing		Total Past Due		Nonaccrual		Current		Total Non-covered Loans and Leases
Commercial real estate
Term & multifamily	$	10,123	$	1,873	$	4,268	$	16,264	$	47,082	$	3,596,725	$	3,660,071
Construction & development		-		-		-		-		5,636		166,346		171,982
Residential development		1,351		-		-		1,351		12,689		56,026		70,066
Commercial
Term		1,230		2,856		-		4,086		8,029		695,669		707,784
LOC & other		272		1,598		-		1,870		7,669		825,609		835,148
Residential
Mortgage		1,914		1,900		1,813		5,627		-		369,675		375,302
Home equity loans & lines		544		264		1,276		2,084		792		261,065		263,941
Consumer & other		129		168		716		1,013		-		31,423		32,436
Total	$	15,563	$	8,659	$	8,073	$	32,295	$	81,897	$	6,002,538	$	6,116,730
Deferred loan fees, net														(12,298)
Total													$	6,104,432

(in thousands)
	December 31, 2011
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days and Accruing		Total Past Due		Nonaccrual		Current		Total Non-covered Loans and Leases
Commercial real estate
Term & multifamily	$	7,319	$	11,184	$	-	$	18,503	$	44,486	$	3,495,306	$	3,558,295
Construction & development		-		662		575		1,237		3,348		160,481		165,066
Residential development		4,171		-		-		4,171		15,836		70,066		90,073
Commercial
Term		2,075		738		1,179		3,992		8,120		613,654		625,766
LOC & other		5,435		1,697		1,397		8,529		8,772		815,698		832,999
Residential
Mortgage		215		965		4,343		5,523		-		310,404		315,927
Home equity loans & lines		492		191		2,648		3,331		-		268,861		272,192
Consumer & other		67		16		679		762		-		38,098		38,860
Total	$	19,774	$	15,453	$	10,821	$	46,048	$	80,562	$	5,772,568	$	5,899,178
Deferred loan fees, net														(11,080)
Total													$	5,888,098

Non-Covered Impaired Loans

(in thousands)
	June 30, 2012
	Unpaid
	Principal		Recorded		Related
	Balance		Investment		Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	56,564	$	47,200	$	-
Construction & development		18,675		17,332		-
Residential development		22,499		17,937		-
Commercial
Term		15,757		11,861		-
LOC & other		13,386		7,668		-
Residential
Mortgage		-		-		-
Home equity loans & lines		1,500		792		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		20,613		20,613		385
Construction & development		3,762		2,742		9
Residential development		14,036		14,036		79
Commercial
Term		-		-		-
LOC & other		-		-		-
Residential
Mortgage		-		-		-
Home equity loans & lines		127		127		3
Consumer & other		-		-		-
Total:
Commercial real estate		136,149		119,860		473
Commercial		29,143		19,529		-
Residential		1,627		919		3
Consumer & other		-		-		-
Total	$	166,919	$	140,308	$	476

(in thousands)
	December 31, 2011
	Unpaid
	Principal		Recorded		Related
	Balance		Investment		Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	54,673	$	44,486	$	-
Construction & development		22,553		20,602		-
Residential development		30,575		23,473		-
Commercial
Term		14,205		11,311		-
LOC & other		23,132		8,772		-
Residential
Mortgage		-		-		-
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		22,611		22,612		680
Construction & development		3,762		2,742		27
Residential development		26,326		26,326		464
Commercial
Term		1,851		1,851		608
LOC & other		3,975		3,975		2,000
Residential
Mortgage		-		-		-
Home equity loans & lines		129		129		4
Consumer & other		-		-		-
Total:
Commercial real estate		160,500		140,241		1,171
Commercial		43,163		25,909		2,608
Residential		129		129		4
Consumer & other		-		-		-
Total	$	203,792	$	166,279	$	3,783

Schedule Of Average Recorded Investment And Interest Income Recognized

(in thousands)
	For the three months ended				For the three months ended
	June 30, 2012				June 30, 2011
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	46,449	$	-	$	54,086	$	-
Construction & development		18,302		-		21,063		-
Residential development		18,232		-		37,841		-
Commercial
Term		12,888		-		8,307		-
LOC & other		8,668		-		17,978		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		396		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		21,915		216		15,733		233
Construction & development		2,742		171		8,905		266
Residential development		16,026		200		32,943		320
Commercial
Term		-		47		202		11
LOC & other		-		-		2,857		-
Residential
Mortgage		-		-		178		1
Home equity loans & lines		128		3		-		-
Consumer & other		-		-		-		-
Total:
Commercial real estate		123,666		587		170,571		819
Commercial		21,556		47		29,344		11
Residential		524		3		178		1
Consumer & other		-		-		-		-
Total	$	145,746	$	637	$	200,093	$	831

(in thousands)
	For the six months ended				For the six months ended
	June 30, 2012				June 30, 2011
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	45,795	$	-	$	54,725	$	-
Construction & development		19,069		-		23,238		-
Residential development		19,979		-		37,762		-
Commercial
Term		12,362		-		8,678		-
LOC & other		8,703		-		24,724		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		264		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		22,147		434		19,995		424
Construction & development		2,742		344		6,506		338
Residential development		19,459		401		40,165		670
Commercial
Term		617		94		268		23
LOC & other		1,325		-		2,532		-
Residential
Mortgage		-		-		1,369		3
Home equity loans & lines		128		3		7		-
Consumer & other		-		-		-		-
Total:
Commercial real estate		129,191		1,179		182,391		1,432
Commercial		23,007		94		36,202		23
Residential		392		3		1,376		3
Consumer & other		-		-		-		-
Total	$	152,590	$	1,276	$	219,969	$	1,458

Internal Risk Rating By Loan Class

	June 30, 2012
	Pass/Watch		Special Mention		Substandard		Doubtful		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,200,357	$	251,936	$	139,965	$	-	$	-	$	67,813	$	3,660,071
Construction & development		128,721		17,030		6,157		-		-		20,074		171,982
Residential development		24,671		7,485		5,937		-		-		31,973		70,066
Commercial
Term		629,423		48,074		18,426		-		-		11,861		707,784
LOC & other		783,362		28,982		15,136		-		-		7,668		835,148
Residential
Mortgage		369,497		3,815		-		-		1,990		-		375,302
Home equity loans & lines		260,939		808		51		-		1,224		919		263,941
Consumer & other		31,424		296		180		-		536		-		32,436
Total	$	5,428,394	$	358,426	$	185,852	$	-	$	3,750	$	140,308	$	6,116,730
Deferred loan fees, net														(12,298)
Total													$	6,104,432

(in thousands)
	December 31, 2011
	Pass/Watch		Special Mention		Substandard		Doubtful		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,068,803	$	275,475	$	146,919	$	-	$	-	$	67,098	$	3,558,295
Construction & development		109,434		19,946		12,342		-		-		23,344		165,066
Residential development		24,801		6,740		8,733		-		-		49,799		90,073
Commercial
Term		586,365		16,631		9,608		-		-		13,162		625,766
LOC & other		775,495		22,051		22,706		-		-		12,747		832,999
Residential
Mortgage		309,478		2,106		296		-		4,047		-		315,927
Home equity loans & lines		268,731		683		773		-		1,876		129		272,192
Consumer & other		38,098		82		254		-		426		-		38,860
Total	$	5,181,205	$	343,714	$	201,631	$	-	$	6,349	$	166,279	$	5,899,178
Deferred loan fees, net														(11,080)
Total													$	5,888,098

Schedule Of Troubled Debt Restructuring By Concession (Terms Modified)

(in thousands)
	June 30, 2012
	Accrual		Non-Accrual		Total
	Status		Status		Modifications
Commercial real estate
Term & multifamily	$	20,732	$	20,349	$	41,081
Construction & development		14,438		3,549		17,987
Residential development		18,873		10,943		29,816
Commercial
Term		672		2,782		3,454
LOC & other		-		3,601		3,601
Residential
Mortgage		-		-		-
Home equity loans & lines		127		-		127
Consumer & other		-		-		-
Total	$	54,842	$	41,224	$	96,066

(in thousands)
	December 31, 2011
	Accrual		Non-Accrual		Total
	Status		Status		Modifications
Commercial real estate
Term & multifamily	$	22,611	$	21,951	$	44,562
Construction & development		19,996		921		20,917
Residential development		33,964		11,969		45,933
Commercial
Term		3,863		1,762		5,625
LOC & other		-		6,973		6,973
Residential
Mortgage		-		-		-
Home equity loans & lines		129		-		129
Consumer & other		-		-		-
Total	$	80,563	$	43,576	$	124,139

Schedule Of Newly Restructured Loans

(in thousands)

Three months ended June 30, 2012

Rate

Term

Interest Only

Payment

Combination

Total

Modifications

Modifications

Modifications

Modifications

Modifications

Modifications

Commercial real estate

Term & multifamily

$

-

$

-

$

-

$

-

$

-

$

-

Construction & development

-

-

-

-

-

-

Residential development

-

-

-

-

-

-

Commercial

Term

-

-

-

-

-

-

LOC & other

-

-

-

-

-

-

Residential

Mortgage

-

-

-

-

-

-

Home equity loans & lines

-

-

-

-

-

-

Consumer & other

-

-

-

-

-

-

Total

$

-

$

-

$

-

$

-

$

-

$

-

(in thousands)
	Three months ended June 30, 2011
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	13,630	$	13,630
Construction & development		-		-		-		-		23,378		23,378
Residential development		279		-		-		-		6,380		6,659
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		-		3,106		3,106
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		130		-		-		-		130
Consumer & other		-		-		-		-		-		-
Total	$	279	$	130	$	-	$	-	$	46,494	$	46,903

(in thousands)
	Six months ended June 30, 2012
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	803	$	803
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		-		-
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		-		-		-
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	803	$	803

(in thousands)
	Six months ended June 30, 2011
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	16,323	$	16,323
Construction & development		-		-		-		-		23,378		23,378
Residential development		279		-		-		-		8,147		8,426
Commercial
Term		-		-		-		70		70		140
LOC & other		-		-		-		-		3,106		3,106
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		130		-		-		-		130
Consumer & other		-		-		-		-		-		-
Total	$	279	$	130	$	-	$	70	$	51,024	$	51,503

Schedule Of Troubled Debt Restructurings

(in thousands)
	Three months ended				Six months ended
	June 30,				June 30,
	2012		2011		2012		2011
Commercial real estate
Term & multifamily	$	-	$	-	$	217	$	9,446
Construction & development		-		-		-		-
Residential development		633		1,767		633		1,767
Commercial
Term		-		70		-		70
LOC & other		-		-		26		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
Total	$	633	$	1,837	$	876	$	11,283