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

12 Months Ended

Dec. 31, 2012

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

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

(in thousands)
	December 31, 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		(22,349)		(12,209)		(5,282)		(1,499)		-		(41,339)
Recoveries		5,409		5,356		762		439		-		11,966
Provision		12,275		9,293		3,820		825		(4,417)		21,796
Balance, end of period	$	54,909	$	22,925	$	6,925	$	632	$	-	$	85,391

(in thousands)
	December 31, 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		(36,011)		(21,071)		(6,333)		(1,636)		-		(65,051)
Recoveries		5,906		3,348		239		385		-		9,878
Provision		25,274		16,062		7,793		1,315		(4,224)		46,220
Balance, end of period	$	59,574	$	20,485	$	7,625	$	867	$	4,417	$	92,968

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 December 31, 2012 and 2011, respectively: 

(in thousands)
	December 31, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	53,513	$	22,925	$	6,920	$	632	$	-	$	83,990
Individually evaluated for impairment		1,396		-		5		-		-		1,401
Total	$	54,909	$	22,925	$	6,925	$	632	$	-	$	85,391
Non-covered loans and leases:
Collectively evaluated for impairment	$	4,073,935	$	1,702,752	$	737,201	$	37,306			$	6,551,194
Individually evaluated for impairment		123,835		18,378		175		21				142,409
Total	$	4,197,770	$	1,721,130	$	737,376	$	37,327			$	6,693,603

(in thousands)
	December 31, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	58,402	$	17,877	$	7,621	$	867	$	4,417	$	89,184
Individually evaluated for impairment		1,172		2,608		4		-		-		3,784
Total	$	59,574	$	20,485	$	7,625	$	867	$	4,417	$	92,968
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,673,455	$	1,432,594	$	587,990	$	38,860			$	5,732,899
Individually evaluated for impairment		139,979		26,171		129		-				166,279
Total	$	3,813,434	$	1,458,765	$	588,119	$	38,860			$	5,899,178

Schedule of Reserve for Unfunded Commitments and Unfunded Commitments

(in thousands)
	December 31, 2012
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	59	$	633	$	185	$	63	$	940
Net change to other expense		113		174		(12)		8		283
Balance, end of period	$	172	$	807	$	173	$	71	$	1,223

(in thousands)
	December 31, 2011
	Commercial						Consumer
	Real Estate		Commercial		Residential		& Other		Total
Balance, beginning of period	$	33	$	575	$	158	$	52	$	818
Net change to other expense		26		58		27		11		122
Balance, end of period	$	59	$	633	$	185	$	63	$	940

(in thousands)
		Commercial						Consumer
		Real Estate		Commercial		Residential		& Other		Total
Unfunded loan commitments:
December 31, 2012	$	196,292	$	925,642	$	257,508	$	52,170	$	1,431,612
December 31, 2011	$	58,013	$	605,001	$	233,990	$	47,577	$	944,581

Non-Covered Loans Sold

(in thousands)
	2012		2011
Commercial real estate
Term & multifamily	$	12,096	$	7,143
Construction & development		-		28
Residential development		12		1,123
Commercial
Term		-		151
LOC & other		1,942		2,740
Residential
Mortgage		192		-
Home equity loans & lines		-		-
Consumer & other		-		-
Total	$	14,242	$	11,185

Non-Covered Non-Accrual Loans And Loans Past Due

(in thousands)
	December 31, 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	$	7,747	$	2,784	$	-	$	10,531	$	43,290	$	3,884,622	$	3,938,443
Construction & development		283		-		-		283		4,177		197,658		202,118
Residential development		479		-		-		479		5,132		51,598		57,209
Commercial
Term		3,009		746		81		3,836		7,040		786,926		797,802
LOC & other		1,647		1,503		-		3,150		7,027		913,151		923,328
Residential
Mortgage		2,906		602		3,303		6,811		-		469,768		476,579
Home equity loans & lines		1,398		214		758		2,370		49		258,378		260,797
Consumer & other		282		191		90		563		21		36,743		37,327
Total	$	17,751	$	6,040	$	4,232	$	28,023	$	66,736	$	6,598,844	$	6,693,603
Deferred loan fees, net														(12,523)
Total													$	6,681,080

(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)
	December 31, 2012
	Unpaid						Average		Interest
	Principal		Recorded		Related		Recorded		Income
	Balance		Investment		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	49,953	$	43,406	$	-	$	45,051	$	-
Construction & development		18,526		15,638		-		17,899		-
Residential development		9,293		6,091		-		15,518		-
Commercial
Term		13,729		10,532		-		11,966		-
LOC & other		10,778		7,846		-		7,949		-
Residential
Mortgage		-		-		-		-		-
Home equity loans & lines		50		49		-		301		-
Consumer & other		21		21		-		4		-
With an allowance recorded:
Commercial real estate
Term & multifamily		41,016		41,016		1,198		28,936		1,113
Construction & development		1,091		1,091		14		2,400		672
Residential development		16,593		16,593		184		18,417		747
Commercial
Term		-		-		-		443		182
LOC & other		-		-		-		795		9
Residential
Mortgage		-		-		-		-		-
Home equity loans & lines		126		126		5		127		6
Consumer & other		-		-		-		-		-
Total:
Commercial real estate		136,472		123,835		1,396		128,221		2,532
Commercial		24,507		18,378		-		21,153		191
Residential		176		175		5		428		6
Consumer & other		21		21		-		4		-
Total	$	161,176	$	142,409	$	1,401	$	149,806	$	2,729

(in thousands)
	December 31, 2011
	Unpaid						Average		Interest
	Principal		Recorded		Related		Recorded		Income
	Balance		Investment		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	54,673	$	44,486	$	-	$	50,459	$	-
Construction & development		22,553		20,602		-		21,498		-
Residential development		30,575		23,473		-		33,864		-
Commercial
Term		14,205		11,311		-		9,339		-
LOC & other		23,132		8,772		-		16,121		-
Residential
Mortgage		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-
Consumer & other		-		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		22,611		22,612		681		18,792		894
Construction & development		3,762		2,742		27		6,560		798
Residential development		26,326		26,326		464		32,810		1,120
Commercial
Term		1,851		1,851		608		627		140
LOC & other		3,975		3,975		2,000		3,642		-
Residential
Mortgage		-		-		-		143		-
Home equity loans & lines		129		129		4		52		3
Consumer & other		-		-		-		-		-
Total:
Commercial real estate		160,500		140,241		1,172		163,983		2,812
Commercial		43,163		25,909		2,608		29,729		140
Residential		129		129		4		195		3
Consumer & other		-		-		-		-		-
Total	$	203,792	$	166,279	$	3,784	$	193,907	$	2,955

Internal Risk Rating By Loan Class

	December 31, 2012
	Pass/Watch		Special Mention		Substandard		Doubtful		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,515,753	$	203,643	$	134,625	$	-	$	-	$	84,422	$	3,938,443
Construction & development		166,660		12,666		6,063		-		-		16,729		202,118
Residential development		25,082		4,379		5,064		-		-		22,684		57,209
Commercial
Term		718,122		22,255		46,893		-		-		10,532		797,802
LOC & other		880,385		19,521		15,576		-		-		7,846		923,328
Residential
Mortgage		469,325		3,507		1,120		-		2,627		-		476,579
Home equity loans & lines		258,252		1,612		-		-		758		175		260,797
Consumer & other		36,797		419		57		-		33		21		37,327
Total	$	6,070,376	$	268,002	$	209,398	$	-	$	3,418	$	142,409	$	6,693,603
Deferred loan fees, net														(12,523)
Total													$	6,681,080

(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)
	December 31, 2012
	Accrual		Non-Accrual		Total
	Status		Status		Modifications
Commercial real estate
Term & multifamily	$	39,613	$	16,605	$	56,218
Construction & development		12,552		3,516		16,068
Residential development		17,141		4,921		22,062
Commercial
Term		350		4,641		4,991
LOC & other		820		1,493		2,313
Residential
Mortgage		-		-		-
Home equity loans & lines		126		-		126
Consumer & other		-		-		-
Total	$	70,602	$	31,176	$	101,778

(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)
	December 31, 2012
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	14,920	$	-	$	-	$	-	$	7,317	$	22,237
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		-		-
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		820		-		820
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	14,920	$	-	$	-	$	820	$	7,317	$	23,057

(in thousands)
	December 31, 2011
	Rate		Term		Interest Only		Payment		Combination		Total
	Modifications		Modifications		Modifications		Modifications		Modifications		Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	34,943	$	34,943
Construction & development		-		-		-		-		13,760		13,760
Residential development		279		354		-		-		9,090		9,723
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	$	484	$	-	$	70	$	67,154	$	67,987

Schedule Of Troubled Debt Restructurings

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