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

9 Months Ended

Sep. 30, 2011

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

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

	Three Months Ended September 30, 2011
	Commercial     Real Estate		Commercial		Residential		Consumer & 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
	Three Months Ended September 30, 2010
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Balance, beginning of period	$	68,215	$	19,847	$	9,773	$	848	$	15,231	$	113,914
Charge-offs		(16,311)		(12,586)		(1,873)		(648)		-		(31,418)
Recoveries		883		317		34		140		-		1,374
Provision		18,163		11,908		(283)		596		(6,156)		24,228
Balance, end of period	$	70,950	$	19,486	$	7,651	$	936	$	9,075	$	108,098
	Nine Months Ended September 30, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & 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
	Nine Months Ended September 30, 2010
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Balance, beginning of period	$	67,281	$	24,583	$	5,811	$	455	$	9,527	$	107,657
Charge-offs		(51,846)		(45,451)		(3,710)		(1,724)		-		(102,731)
Recoveries		5,479		966		204		422		-		7,071
Provision		50,036		39,388		5,346		1,783		(452)		96,101
Balance, end of period	$	70,950	$	19,486	$	7,651	$	936	$	9,075	$	108,098

	September 30, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & 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
	September 30, 2010
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	69,369	$	19,474	$	7,458	$	936	$	9,075	$	106,312
Individually evaluated for impairment		1,581		12		193		-				1,786
Total	$	70,950	$	19,486	$	7,651	$	936	$	9,075	$	108,098
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,767,697	$	1,217,238	$	473,679	$	35,312			$	5,493,926
Individually evaluated for impairment		170,911		39,873		4,489		-				215,273
Total	$	3,938,608	$	1,257,111	$	478,168	$	35,312			$	5,709,199

Summary Of Reserve For Unfunded Commitments Activity

	Three Months Ended September 30, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & 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
	Three Months Ended September 30, 2010
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Balance, beginning of period	$	41	$	510	$	136	$	47	$	734
Net change to other expense		(1)		37		23		4		63
Balance, end of period	$	40	$	547	$	159	$	51	$	797
	Nine Months Ended September 30, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & 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
	Nine Months Ended September 30, 2010
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Balance, beginning of period	$	57	$	484	$	144	$	46	$	731
Net change to other expense		(17)		63		15		5		66
Balance, end of period	$	40	$	547	$	159	$	51	$	797
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Unfunded loan commitments:
September 30, 2011	$	60,906	$	640,028	$	227,505	$	46,000	$	974,439
September 30, 2010		40,470		521,819		211,725		44,295		818,309

Non-Covered Loans Sold

	Three months ended September 30				Nine months ended September 30
	2011		2010		2011		2010
Commercial real estate
Term & multifamily	$	2,457	$	5,823	$	6,341	$	16,551
Construction & development		28		1,886		28		3,061
Residential development		-		-		2		5,434
Commercial
Term		-		6,704		151		9,914
LOC & other		-		41		2,740		503
Total	$	2,485	$	14,454	$	9,262	$	35,463

Non-Covered Non-Accrual Loans And Loans Past Due

	September 30, 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	$	10,707	$	19,452	$	5,118	$	35,277	$	46,990	$	3,460,707	$	3,542,974
Construction & development		-		-		-		-		4,604		170,674		175,278
Residential development		809		510		-		1,319		23,854		78,495		103,668
Commercial
Term		1,828		1,782		12		3,622		8,608		601,341		613,571
LOC & other		4,056		1,836		345		6,237		15,800		793,531		815,568
Residential
Mortgage		1,439		3,026		4,304		8,769		-		272,362		281,131
Home equity loans & lines		2,232		1,366		1,313		4,911		-		270,130		275,041
Consumer & other		109		53		624		786		-		31,347		32,133
Total	$	21,180	$	28,025	$	11,716	$	60,921	$	99,856	$	5,678,587	$	5,839,364
Deferred loan fees, net														(11,250)
Total													$	5,828,114
	December 31, 2010
	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	$	14,596	$	8,328	$	3,008	$	25,932	$	49,162	$	3,408,381	$	3,483,475
Construction & development		2,172		6,726		-		8,898		20,124		218,792		247,814
Residential development		640		-		-		640		34,586		112,587		147,813
Commercial
Term		2,010		932		-		2,942		6,271		500,240		509,453
LOC & other		5,939		1,418		18		7,375		28,034		712,010		747,419
Residential
Mortgage		1,314		1,101		3,372		5,787		-		216,629		222,416
Home equity loans & lines		1,096		1,351		232		2,679		-		275,906		278,585
Consumer & other		361		233		441		1,035		-		32,008		33,043
Total	$	28,128	$	20,089	$	7,071	$	55,288	$	138,177	$	5,476,553	$	5,670,018
Deferred loan fees, net														(11,031)
Total													$	5,658,987

Non-Covered Impaired Loans

	September 30, 2011
	Unpaid Principal Balance		Recorded Investment		Related Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	57,227	$	46,990	$	-
Construction & development		28,098		22,061		-
Residential development		44,063		31,416		-
Commercial
Term		14,547		11,798		-
LOC & other		50,384		15,802		-
Residential
Mortgage		-		-		-
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		21,320		21,320		650
Construction & development		3,762		2,742		40
Residential development		27,332		27,332		380
Commercial
Term		677		677		3
LOC & other		-		-		-
Residential
Mortgage		178		178		5
Home equity loans & lines		130		130		3
Consumer & other		-		-		-
Total:
Commercial real estate		181,802		151,861		1,070
Commercial		65,608		28,277		3
Residential		308		308		8
Consumer & other		-		-		-
Total	$	247,718	$	180,446	$	1,081

(in thousands)

	December 31, 2010
	Unpaid Principal Balance		Recorded Investment		Related Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	62,605	$	49,790	$	-
Construction & development		33,091		25,558		-
Residential development		63,859		39,011		-
Commercial
Term		8,024		6,969		-
LOC & other		56,046		19,814		-
Residential
Mortgage		-		-		-
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		29,926		28,070		1,614
Construction & development		-		-		-
Residential development		46,059		44,504		906
Commercial
Term		205		205		9
LOC & other		9,878		8,519		2,702
Residential
Mortgage		179		179		8
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
Total:
Commercial real estate		235,540		186,933		2,520
Commercial		74,153		35,507		2,711
Residential		179		179		8
Consumer & other		-		-		-
Total	$	309,872	$	222,619	$	5,239

Schedule Of Average Recorded Investment And Interest Income Recognized

	For the three months ended September 30, 2011				For the three months ended September 30, 2010
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	50,024	$	-	$	48,540	$	-
Construction & development		22,253		-		21,913		-
Residential development		33,406		-		30,233		-
Commercial
Term		10,360		-		9,569		-
LOC & other		15,444		-		35,795		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		17,013		235		26,432		206
Construction & development		7,543		281		4,264		-
Residential development		28,924		310		51,261		205
Commercial
Term		438		48		570		12
LOC & other		2,857		-		150		3
Residential
Mortgage		178		1		4,461		69
Home equity loans & lines		65		2		35		1
Consumer & other		-		-		-		-
Total:
Commercial real estate		159,163		826		182,643		411
Commercial		29,099		48		46,084		15
Residential		243		3		4,496		70
Consumer & other		-		-		-		-
Total	$	188,505	$	877	$	233,223	$	496

	For the nine months ended September 30, 2011				For the nine months ended September 30, 2010
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	51,238	$	-	$	57,557	$	-
Construction & development		22,436		-		28,096		-
Residential development		36,527		-		37,251		-
Commercial
Term		8,846		-		10,032		-
LOC & other		17,893		-		42,815		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		20,214		659		28,630		657
Construction & development		5,138		619		2,132		-
Residential development		34,431		1,005		57,133		1,143
Commercial
Term		322		137		451		36
LOC & other		3,558		-		225		11
Residential
Mortgage		178		4		4,642		190
Home equity loans & lines		32		2		26		1
Consumer & other		-		-		-		-
Total:
Commercial real estate		169,984		2,283		210,799		1,800
Commercial		30,619		137		53,523		47
Residential		210		6		4,668		191
Consumer & other		-		-		-		-
Total	$	200,813	$	2,426	$	268,990	$	2,038

Internal Risk Rating By Loan Class

	September 30, 2011
	Pass/Watch		Special Mention		Substandard		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,013,772	$	305,644	$	155,248	$	-	$	68,310	$	3,542,974
Construction & development		113,274		19,182		18,019		-		24,803		175,278
Residential development		24,890		10,848		9,182		-		58,748		103,668
Commercial
Term		557,019		31,044		13,033		-		12,475		613,571
LOC & other		733,471		32,843		33,452		-		15,802		815,568
Residential
Mortgage		272,362		4,465		435		3,691		178		281,131
Home equity loans & lines		271,039		2,560		204		1,108		130		275,041
Consumer & other		31,347		162		98		526		-		32,133
Total	$	5,017,174	$	406,748	$	229,671	$	5,325	$	180,446	$	5,839,364
Deferred loan fees, net												(11,250)
Total											$	5,828,114
	December 31,2010
	Pass/Watch		Special Mention		Substandard		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	2,978,116	$	314,094	$	113,405	$	-	$	77,860	$	3,483,475
Construction & development		145,108		25,295		51,853		-		25,558		247,814
Residential development		27,428		13,764		23,106		-		83,515		147,813
Commercial
Term		472,512		17,658		12,109		-		7,174		509,453
LOC & other		646,163		30,761		42,162		-		28,333		747,419
Residential
Mortgage		216,899		2,414		786		2,138		179		222,416
Home equity loans & lines		275,906		2,447		125		107		-		278,585
Consumer & other		32,008		595		29		411		-		33,043
Total	$	4,794,140	$	407,028	$	243,575	$	2,656	$	222,619	$	5,670,018
Deferred loan fees, net												(11,031)
Total											$	5,658,987

Schedule Of Troubled Debt Restructuring By Concession (Terms Modified)

	September 30, 2011
	Accrual Status		Non-Accrual Status		Total Modifications
Commercial real estate
Term & multifamily	$	21,320	$	27,468	$	48,788
Construction & development		20,199		921		21,120
Residential development		34,895		16,991		51,886
Commercial
Term		3,868		2,109		5,977
LOC & other		-		11,213		11,213
Residential
Mortgage		178		-		178
Home equity loans & lines		130		-		130
Consumer & other		-		-		-
Total	$	80,590	$	58,702	$	139,292
	December 31, 2010
	Accrual Status		Non-Accrual Status		Total Modifications
Commercial real estate
Term & multifamily	$	28,697	$	3,185	$	31,882
Construction & development		5,434		-		5,434
Residential development		48,929		8,036		56,965
Commercial
Term		904		725		1,629
LOC & other		298		11,040		11,338
Residential
Mortgage		179		-		179
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
Total	$	84,441	$	22,986	$	107,427

Schedule Of Newly Restructured Loans

	Three months ended September 30, 2011
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total 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)
	Three months ended September 30, 2010
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	3,573	$	3,573
Construction & development		-		-		-		-		5,534		5,534
Residential development		-		-		-		-		-		-
Commercial
Term		-		-		-		-		-		-
LOC & other		-		-		-		-		-		-
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	9,107	$	9,107

(in thousands)
	Nine months ended September 30, 2011
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total 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

(in thousands)
	Nine months ended September 30, 2010
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	3,573	$	3,573
Construction & development		-		-		-		-		5,534		5,534
Residential development		-		-		-		-		391		391
Commercial
Term		-		-		-		-		-		-
LOC & other		-		1,371		-		-		-		1,371
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	-	$	1,371	$	-	$	-	$	9,498	$	10,869

Schedule Of Troubled Debt Restructurings

	Three months  ended September 30,				Nine months  ended September 30,
	2011		2010		2011		2010
Commercial real estate
Term & multifamily	$	196	$	-	$	9,642	$	5,553
Construction & development		-		-		-		-
Residential development		-		-		1,767		-
Commercial
Term		70		661		140		661
LOC & other		-		-		-		-
Residential
Mortgage		-		-		-		944
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
Total	$	266	$	661	$	11,549	$	7,158