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

9 Months Ended

Sep. 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 September 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	56,341	$	19,587	$	6,652	$	1,038	$	-	$	83,618
Charge-offs		(4,892)		(1,782)		(516)		(454)		-		(7,644)
Recoveries		1,020		409		171		107		-		1,707
Provision		2,779		2,540		1,381		331		47		7,078
Balance, end of period	$	55,248	$	20,754	$	7,688	$	1,022	$	47	$	84,759

(in thousands)
	Three months ended September 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Balance, beginning of period	$	61,982	$	23,750	$	5,154	$	868	$	6,041	$	97,795
Charge-offs		(8,413)		(6,032)		(1,657)		(351)		-		(16,453)
Recoveries		2,010		346		54		91		-		2,501
Provision		5,913		1,158		3,141		339		(1,462)		9,089
Balance, end of period	$	61,492	$	19,222	$	6,692	$	947	$	4,579	$	92,932

(in thousands)
	Nine months ended September 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		(18,007)		(8,741)		(4,030)		(1,159)		-		(31,937)
Recoveries		2,327		3,856		338		324		-		6,845
Provision		11,354		5,154		3,755		990		(4,370)		16,883
Balance, end of period	$	55,248	$	20,754	$	7,688	$	1,022	$	47	$	84,759

(in thousands)
	Nine months ended September 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		(32,728)		(17,387)		(4,586)		(1,238)		-		(55,939)
Recoveries		5,463		1,437		175		297		-		7,372
Provision		24,352		13,026		5,177		1,085		(4,062)		39,578
Balance, end of period	$	61,492	$	19,222	$	6,692	$	947	$	4,579	$	92,932

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

(in thousands)
	September 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	54,115	$	20,754	$	7,683	$	1,022	$	47	$	83,621
Individually evaluated for impairment		1,133		-		5		-		-		1,138
Total	$	55,248	$	20,754	$	7,688	$	1,022	$	47	$	84,759
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,816,106	$	1,602,735	$	654,956	$	37,874			$	6,111,671
Individually evaluated for impairment		129,690		18,371		793		-				148,854
Total	$	3,945,796	$	1,621,106	$	655,749	$	37,874			$	6,260,525

(in thousands)
	September 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	60,422	$	19,219	$	6,684	$	947	$	4,579	$	91,851
Individually evaluated for impairment		1,070		3		8		-		-		1,081
Total	$	61,492	$	19,222	$	6,692	$	947	$	4,579	$	92,932
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,670,059	$	1,400,862	$	555,864	$	32,133			$	5,658,918
Individually evaluated for impairment		151,861		28,277		308		-				180,446
Total	$	3,821,920	$	1,429,139	$	556,172	$	32,133			$	5,839,364

Schedule of Reserve for Unfunded Commitments and Unfunded Commitments

(in thousands)
	Three months ended September 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	107	$	790	$	162	$	67	$	1,126
Net change to other expense		18		1,607		2		4		1,631
Balance, end of period	$	125	$	2,397	$	164	$	71	$	2,757

	Three months ended September 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	61	$	705	$	169	$	53	$	988
Net change to other expense		1		(36)		10		8		(17)
Balance, end of period	$	62	$	669	$	179	$	61	$	971

	Nine months ended September 30, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	59	$	633	$	185	$	63	$	940
Net change to other expense		66		1,764		(21)		8		1,817
Balance, end of period	$	125	$	2,397	$	164	$	71	$	2,757

	Nine months ended September 30, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	33	$	575	$	158	$	52	$	818
Net change to other expense		29		94		21		9		153
Balance, end of period	$	62	$	669	$	179	$	61	$	971

		Commercial						Consumer
		Real Estate		Commercial		Residential		& Other		Total
Unfunded loan commitments:
September 30, 2012	$	139,479	$	900,875	$	255,499	$	55,312	$	1,351,165
September 30, 2011	$	60,906	$	640,028	$	227,505	$	46,000	$	974,439

Non-Covered Loans Sold

	Three months ended				Nine months ended
	September 30,				September 30,
	2012		2011		2012		2011
Commercial real estate
Term & multifamily	$	6,410	$	2,457	$	11,350	$	6,341
Construction & development		-		28		-		28
Residential development		12		-		12		2
Commercial
Term		-		-		-		151
LOC & other		1,110		-		1,942		2,740
Residential
Mortgage		-		-		192		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
Total	$	7,532	$	2,485	$	13,496	$	9,262

Non-Covered Non-Accrual Loans And Loans Past Due

(in thousands)
	September 30, 2012
		30-59		60-89		Greater Than								Total Non-
		Days		Days		90 Days and		Total						covered Loans
		Past Due		Past Due		Accruing		Past Due		Nonaccrual		Current		and Leases
Commercial real estate
Term & multifamily	$	13,759	$	6,284	$	667	$	20,710	$	44,347	$	3,642,027	$	3,707,084
Construction & development		-		-		-		-		5,129		169,425		174,554
Residential development		-		-		-		-		9,567		54,591		64,158
Commercial
Term		1,085		2,666		-		3,751		9,066		742,438		755,255
LOC & other		185		1,603		-		1,788		4,973		859,090		865,851
Residential
Mortgage		1,264		315		4,138		5,717		-		385,653		391,370
Home equity loans & lines		712		548		1,186		2,446		666		261,267		264,379
Consumer & other		52		22		594		668		-		37,206		37,874
Total	$	17,057	$	11,438	$	6,585	$	35,080	$	73,748	$	6,151,697	$	6,260,525
Deferred loan fees, net														(12,100)
Total													$	6,248,425

(in thousands)
	December 31, 2011
		30-59		60-89		Greater Than								Total Non-
		Days		Days		90 Days and		Total						covered Loans
		Past Due		Past Due		Accruing		Past Due		Nonaccrual		Current		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)
	September 30, 2012
	Unpaid
	Principal		Recorded		Related
	Balance		Investment		Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	52,152	$	44,463	$	-
Construction & development		20,575		16,648		-
Residential development		15,062		11,560		-
Commercial
Term		16,041		12,213		-
LOC & other		6,462		5,793		-
Residential
Mortgage		-		-		-
Home equity loans & lines		1,500		666		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		37,223		37,223		887
Construction & development		2,682		2,682		25
Residential development		17,114		17,114		221
Commercial
Term		365		365		-
LOC & other		-		-		-
Residential
Mortgage		-		-		-
Home equity loans & lines		127		127		5
Consumer & other		-		-		-
Total:
Commercial real estate		144,808		129,690		1,133
Commercial		22,868		18,371		-
Residential		1,627		793		5
Consumer & other		-		-		-
Total	$	169,303	$	148,854	$	1,138

(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)
	Three months ended				Three months ended
	September 30, 2012				September 30, 2011
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	45,832	$	-	$	50,024	$	-
Construction & development		16,990		-		22,253		-
Residential development		14,748		-		33,406		-
Commercial
Term		12,037		-		10,360		-
LOC & other		6,731		-		15,444		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		729		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		28,918		352		17,013		235
Construction & development		2,712		169		7,543		281
Residential development		15,575		199		28,924		310
Commercial
Term		182		44		438		48
LOC & other		-		-		2,857		-
Residential
Mortgage		-		-		178		1
Home equity loans & lines		127		2		65		2
Consumer & other		-		-		-		-
Total:
Commercial real estate		124,775		720		159,163		826
Commercial		18,950		44		29,099		48
Residential		856		2		243		3
Consumer & other		-		-		-		-
Total	$	144,581	$	766	$	188,505	$	877

(in thousands)
	Nine months ended				Nine months ended
	September 30, 2012				September 30, 2011
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	45,462	$	-	$	51,238	$	-
Construction & development		18,464		-		22,436		-
Residential development		17,874		-		36,527		-
Commercial
Term		12,325		-		8,846		-
LOC & other		7,975		-		17,893		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		364		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		25,916		785		20,214		659
Construction & development		2,727		513		5,138		619
Residential development		18,873		600		34,431		1,005
Commercial
Term		554		140		322		137
LOC & other		994		-		3,558		-
Residential
Mortgage		-		-		178		4
Home equity loans & lines		128		5		32		2
Consumer & other		-		-		-		-
Total:
Commercial real estate		129,316		1,898		169,984		2,283
Commercial		21,848		140		30,619		137
Residential		492		5		210		6
Consumer & other		-		-		-		-
Total	$	151,656	$	2,043	$	200,813	$	2,426

Internal Risk Rating By Loan Class

	September 30, 2012
	Pass/Watch		Special Mention		Substandard		Doubtful		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,274,893	$	217,960	$	132,545	$	-	$	-	$	81,686	$	3,707,084
Construction & development		132,843		16,284		6,097		-		-		19,330		174,554
Residential development		25,579		3,746		6,159		-		-		28,674		64,158
Commercial
Term		683,948		32,658		26,071		-		-		12,578		755,255
LOC & other		824,039		19,152		16,867		-		-		5,793		865,851
Residential
Mortgage		385,653		1,579		-		-		4,138		-		391,370
Home equity loans & lines		261,140		1,260		83		-		1,103		793		264,379
Consumer & other		37,224		74		64		-		512		-		37,874
Total	$	5,625,319	$	292,713	$	187,886	$	-	$	5,753	$	148,854	$	6,260,525
Deferred loan fees, net														(12,100)
Total													$	6,248,425

(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)
	September 30, 2012
	Accrual		Non-Accrual		Total
	Status		Status		Modifications
Commercial real estate
Term & multifamily	$	35,807	$	17,470	$	53,277
Construction & development		14,201		3,515		17,716
Residential development		18,696		8,587		27,283
Commercial
Term		365		4,778		5,143
LOC & other		820		1,493		2,313
Residential
Mortgage		-		-		-
Home equity loans & lines		126		-		126
Consumer & other		-		-		-
Total	$	70,015	$	35,843	$	105,858

(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 September 30, 2012
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	14,920	$	-	$	-	$	-	$	2,554	$	17,474
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		-		-
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		820		-		820
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	14,920	$	-	$	-	$	820	$	2,554	$	18,294

(in thousands)
	Three months ended September 30, 2011
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	7,631	$	7,631
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		943		943
Commercial
Term		-		-		-		-		5,241		5,241
LOC & other		-		-		-		-		943		943
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	14,758	$	14,758

(in thousands)
	Nine months ended September 30, 2012
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	14,920	$	-	$	-	$	-	$	3,357	$	18,277
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		-		-
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		820		-		820
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	14,920	$	-	$	-	$	820	$	3,357	$	19,097

(in thousands)
	Nine months ended September 30, 2011
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	33,570	$	33,570
Construction & development		-		-		-		-		13,760		13,760
Residential development		279		-		-		-		9,090		9,369
Commercial
Term		-		-		-		70		5,311		5,381
LOC & other		-		-		-		-		4,050		4,050
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		130		-		-		-		130
Consumer & other		-		-		-		-		-		-
Total	$	279	$	130	$	-	$	70	$	65,781	$	66,260

Schedule Of Troubled Debt Restructurings

(in thousands)
	Three months ended				Nine months ended
	September 30,				September 30,
	2012		2011		2012		2011
Commercial real estate
Term & multifamily	$	-	$	196	$	217	$	9,642
Construction & development		-		-		-		-
Residential development		-		-		633		1,767
Commercial
Term		-		70		-		140
LOC & other		-		-		26		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
Total	$	-	$	266	$	876	$	11,549