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

3 Months Ended

Mar. 31, 2012

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

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

	Three Months Ended March 31, 2012
	Commercial     Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Balance, beginning of period	$	59,574	$	20,485	$	7,625	$	867	$	4,417	$	92,968
Charge-offs		(5,772)		(3,843)		(2,588)		(488)		-		(12,691)
Recoveries		955		2,060		95		116		-		3,226
Provision		3,269		(816)		974		367		(627)		3,167
Balance, end of period	$	58,026	$	17,886	$	6,106	$	862	$	3,790	$	86,670
	Three Months Ended March 31, 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		(11,431)		(8,176)		(734)		(534)		-		(20,875)
Recoveries		1,246		396		21		94		-		1,757
Provision		9,308		6,432		413		493		(1,616)		15,030
Balance, end of period	$	63,528	$	20,798	$	5,626	$	856	$	7,025	$	97,833

(in thousands)

	March 31, 2012
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	57,260	$	17,886	$	6,103	$	862	$	3,790	$	85,901
Individually evaluated for impairment		766		-		3		-		-		769
Total	$	58,026	$	17,886	$	6,106	$	862	$	3,790	$	86,670
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,726,385	$	1,427,710	$	610,297	$	37,082			$	5,801,474
Individually evaluated for impairment		127,471		23,581		128		-				151,180
Total	$	3,853,856	$	1,451,291	$	610,425	$	37,082			$	5,952,654
(in thousands)
	March 31, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Unallocated		Total
Allowance for non-covered loans and leases:
Collectively evaluated for impairment	$	62,444	$	20,790	$	5,619	$	856	$	7,025	$	96,734
Individually evaluated for impairment		1,084		8		7		-		-		1,099
Total	$	63,528	$	20,798	$	5,626	$	856	$	7,025	$	97,833
Non-covered loans and leases:
Collectively evaluated for impairment	$	3,664,735	$	1,242,883	$	500,804	$	31,601			$	5,440,023
Individually evaluated for impairment		174,680		28,766		178		-				203,624
Total	$	3,839,415	$	1,271,649	$	500,982	$	31,601  `			$	5,643,647

Summary Of Reserve For Unfunded Commitments Activity

	March 31, 2012
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Balance, beginning of period	$	59	$	633	$	185	$	63	$	940
Net change to other expense		38		145		(22)		1		162
Balance, end of period	$	97	$	778	$	163	$	64	$	1,102
	March 31, 2011
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Balance, beginning of period	$	33	$	575	$	158	$	52	$	818
Net change to other expense		43		46		4		-		93
Balance, end of period	$	76	$	621	$	162	$	52	$	911
	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Unfunded loan commitments:
March 31, 2012	$	86,373	$	875,399	$	246,680	$	49,945	$	1,258,397
March 31, 2011	$	76,585	$	591,455	$	217,810	$	45,598	$	931,448

Non-Covered Loans Sold

	Three months ended March 31,
	2012		2011
Commercial real estate
Term & multifamily	$	3,652	$	2,499
Residential development		-		2
Commercial
Term		-		151
LOC & other		776		2,740
Total	$	4,428	$	5,392

Non-Covered Non-Accrual Loans And Loans Past Due

	March 31, 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	$	7,786	$	4,293	$	437	$	12,516	$	45,580	$	3,558,290	$	3,616,386
Construction & development		-		-		-		-		2,102		160,764		162,866
Residential development		-		-		-		-		13,110		61,494		74,604
Commercial
Term		798		289		62		1,149		10,063		676,030		687,242
LOC & other		1,940		910		1,305		4,155		9,666		750,228		764,049
Residential
Mortgage		2,851		597		2,380		5,828		-		339,935		345,763
Home equity loans & lines		754		361		853		1,968		-		262,694		264,662
Consumer & other		242		9		483		734		-		36,348		37,082
Total	$	14,371	$	6,459	$	5,520	$	26,350	$	80,521	$	5,845,783	$	5,952,654
Deferred loan fees, net														(11,384)
Total													$	5,941,270
(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

	March 31, 2012
	Unpaid Principal Balance		Recorded Investment		Related Allowance
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	53,931	$	45,699	$	-
Construction & development		20,613		19,272		-
Residential development		23,290		18,527		-
Commercial
Term		17,307		13,914		-
LOC & other		26,013		9,667		-
Residential
Mortgage		-		-		-
Home equity loans & lines		-		-		-
Consumer & other		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		23,216		23,216		622
Construction & development		3,762		2,742		14
Residential development		18,015		18,015		130
Commercial
Term		-		-		-
LOC & other		-		-		-
Residential
Mortgage		-		-		-
Home equity loans & lines		128		128		3
Consumer & other		-		-		-
Total:
Commercial real estate		142,827		127,471		766
Commercial		43,320		23,581		-
Residential		128		128		3
Consumer & other		-		-		-
Total	$	186,275	$	151,180	$	769

(in thousands)

	December 31, 2011
	Unpaid Principal Balance		Recorded Investment		Related 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

	March 31, 2012				March 31, 2011
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate
Term & multifamily	$	45,092	$	-	$	55,558	$	-
Construction & development		19,937		-		23,634		-
Residential development		21,000		-		38,945		-
Commercial
Term		12,612		-		8,556		-
LOC & other		9,220		-		29,542		-
Residential
Mortgage		-		-		-		-
Home equity loans & lines		-		-		-		-
Consumer & other		-		-		-		-
With an allowance recorded:
Commercial real estate
Term & multifamily		22,914		242		23,639		232
Construction & development		2,742		246		3,587		72
Residential development		22,171		221		44,989		327
Commercial
Term		925		53		303		11
LOC & other		1,988		36		942		3
Residential
Mortgage		-		-		1,964		1
Home equity loans & lines		129		2		11		-
Consumer & other		-		-		-		-
Total:
Commercial real estate		133,856		709		190,352		631
Commercial		24,745		89		39,343		14
Residential		129		2		1,975		1
Consumer & other		-		-		-		-
Total	$	158,730	$	800	$	231,670	$	646

Internal Risk Rating By Loan Class

	March 31, 2012
	Pass/Watch		Special Mention		Substandard		Doubtful		Loss		Impaired		Total
Commercial real estate
Term & multifamily	$	3,122,953	$	279,216	$	145,302	$	-	$	-	$	68,915	$	3,616,386
Construction & development		112,845		17,390		10,617		-		-		22,014		162,866
Residential development		24,218		6,592		7,252		-		-		36,542		74,604
Commercial
Term		643,270		18,625		11,433		-		-		13,914		687,242
LOC & other		720,055		15,759		18,568		-		-		9,667		764,049
Residential
Mortgage		339,934		3,448		229		-		2,152		-		345,763
Home equity loans & lines		262,566		1,115		488		-		365		128		264,662
Consumer & other		36,346		252		82		-		402		-		37,082
Total	$	5,262,188	$	342,397	$	193,971	$	-	$	2,919	$	151,180	$	5,952,654
Deferred loan fees, net														(11,384)
Total													$	5,941,270
	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)

	March 31, 2012
	Accrual Status		Non-Accrual Status		Total Modifications
Commercial real estate
Term & multifamily	$	23,336	$	19,822	$	43,158
Construction & development		19,911		-		19,911
Residential development		23,022		11,159		34,181
Commercial
Term		3,852		1,664		5,516
LOC & other		-		6,089		6,089
Residential
Mortgage		-		-		-
Home equity loans & lines		128		-		128
Consumer & other		-		-		-
Total	$	70,249	$	38,734	$	108,983
	December 31, 2011
	Accrual Status		Non-Accrual Status		Total 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 March 31, 2012
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total 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)

	Three months ended March 31, 2011
	Rate Modifications		Term Modifications		Interest Only Modifications		Payment Modifications		Combination Modifications		Total Modifications
Commercial real estate
Term & multifamily	$	-	$	-	$	-	$	-	$	2,693	$	2,693
Construction & development		-		-		-		-		-		-
Residential development		-		-		-		-		1,767		1,767
Commercial
Term		-		-		-		70		70		140
LOC & other		-		-		-		-		-		-
Residential
Mortgage		-		-		-		-		-		-
Home equity loans & lines		-		-		-		-		-		-
Consumer & other		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	70	$	4,530	$	4,600

Schedule Of Troubled Debt Restructurings

	Three months ended March 31,
	2012		2011
Commercial real estate
Term & multifamily	$	217	$	9,446
Construction & development		-		-
Residential development		-		-
Commercial
Term		-		-
LOC & other		26		-
Residential
Mortgage		-		-
Home equity loans & lines		-		-
Consumer & other		-		-
Total	$	243	$	9,446