Loans And Allowance For Credit Losses (Tables)

9 Months Ended

12 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Loans And Allowance For Credit Losses [Abstract]

Summary Of Major Portfolio Segment And Specific Loan Class



(In thousands)	September 30, 2013		December 31, 2012

Loans held for sale	$	114,810	$	251,651
Commercial:
Commercial and industrial	$	11,904,477	$	11,256,945
Leasing	375,125		422,513
Owner occupied	7,378,586		7,589,082
Municipal	448,643		494,183
Total commercial	20,106,831		19,762,723
Commercial real estate:
Construction and land development	2,240,295		1,939,413
Term	7,928,540		8,062,819
Total commercial real estate	10,168,835		10,002,232
Consumer:
Home equity credit line	2,124,328		2,177,680
1-4 family residential	4,636,895		4,350,329
Construction and other consumer real estate	321,436		321,235
Bankcard and other revolving plans	331,966		306,428
Other	207,578		216,379
Total consumer	7,622,203		7,372,051
FDIC-supported loans	374,861		528,241
Total loans	$	38,272,730	$	37,665,247

Summary Of Changes in The Allowance For Credit Losses

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In thousands)	September 30, 2013		December 31, 2012

Commercial:
Commercial and industrial	$	100,188	$	90,859
Leasing	796		838
Owner occupied	157,609		206,031
Municipal	10,006		9,234
Total commercial	268,599		306,962
Commercial real estate:
Construction and land development	65,320		107,658
Term	60,378		124,615
Total commercial real estate	125,698		232,273
Consumer:
Home equity credit line	8,425		14,247
1-4 family residential	57,658		70,180
Construction and other consumer real estate	4,080		4,560
Bankcard and other revolving plans	1,186		1,190
Other	1,149		1,398
Total consumer loans	72,498		91,575
FDIC-supported loans	4,744		17,343
Total	$	471,539	$	648,153

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:

	September 30, 2013
(In thousands)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current¹

Commercial:
Commercial and industrial	$	11,820,258	$	28,268	$	55,951	$	84,219	$	11,904,477	$	2,280	$	44,546
Leasing	374,200		323		602		925		375,125		—		—
Owner occupied	7,289,080		39,538		49,968		89,506		7,378,586		3,106		97,378
Municipal	448,643		—		—		—		448,643		—		10,006
Total commercial	19,932,181		68,129		106,521		174,650		20,106,831		5,386		151,930
Commercial real estate:
Construction and land development	2,200,392		21,609		18,294		39,903		2,240,295		—		28,140
Term	7,885,730		17,940		24,870		42,810		7,928,540		2,361		33,780
Total commercial real estate	10,086,122		39,549		43,164		82,713		10,168,835		2,361		61,920
Consumer:
Home equity credit line	2,116,048		4,357		3,923		8,280		2,124,328		—		3,226
1-4 family residential	4,598,613		13,816		24,466		38,282		4,636,895		551		28,850
Construction and other consumer real estate	317,305		1,574		2,557		4,131		321,436		368		1,738
Bankcard and other revolving plans	329,055		1,951		960		2,911		331,966		669		840
Other	205,798		822		958		1,780		207,578		63		70
Total consumer loans	7,566,819		22,520		32,864		55,384		7,622,203		1,651		34,724
FDIC-supported loans	339,085		11,162		24,614		35,776		374,861		22,450		2,400
Total	$	37,924,207	$	141,360	$	207,163	$	348,523	$	38,272,730	$	31,848	$	250,974



	December 31, 2012
(In thousands)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current¹

Commercial:
Commercial and industrial	$	11,124,639	$	73,555	$	58,751	$	132,306	$	11,256,945	$	4,013	$	32,389
Leasing	421,590		115		808		923		422,513		—		—
Owner occupied	7,447,083		56,504		85,495		141,999		7,589,082		1,822		100,835
Municipal	494,183		—		—		—		494,183		—		9,234
Total commercial	19,487,495		130,174		145,054		275,228		19,762,723		5,835		142,458
Commercial real estate:
Construction and land development	1,836,284		66,139		36,990		103,129		1,939,413		853		50,044
Term	7,984,819		24,730		53,270		78,000		8,062,819		107		54,546
Total commercial real estate	9,821,103		90,869		90,260		181,129		10,002,232		960		104,590
Consumer:
Home equity credit line	2,169,722		4,036		3,922		7,958		2,177,680		—		8,846
1-4 family residential	4,282,611		24,060		43,658		67,718		4,350,329		1,423		21,945
Construction and other consumer real estate	314,931		4,344		1,960		6,304		321,235		395		2,500
Bankcard and other revolving plans	302,587		2,439		1,402		3,841		306,428		1,010		721
Other	213,930		1,411		1,038		2,449		216,379		107		275
Total consumer loans	7,283,781		36,290		51,980		88,270		7,372,051		2,935		34,287
FDIC-supported loans	454,333		12,407		61,501		73,908		528,241		52,033		7,393
Total	$	37,046,712	$	269,740	$	348,795	$	618,535	$	37,665,247	$	61,763	$	288,728

¹Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators



	September 30, 2013
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance

Commercial:
Commercial and industrial	$	11,176,352	$	331,846	$	391,335	$	4,944	$	11,904,477
Leasing	369,152		2,875		3,098		—		375,125
Owner occupied	6,760,607		131,895		484,779		1,305		7,378,586
Municipal	438,637		—		10,006		—		448,643
Total commercial	18,744,748		466,616		889,218		6,249		20,106,831		$	479,275
Commercial real estate:
Construction and land development	2,094,934		15,250		127,875		2,236		2,240,295
Term	7,414,358		213,538		300,644		—		7,928,540
Total commercial real estate	9,509,292		228,788		428,519		2,236		10,168,835		244,008
Consumer:
Home equity credit line	2,105,327		—		19,001		—		2,124,328
1-4 family residential	4,563,611		—		73,284		—		4,636,895
Construction and other consumer real estate	312,046		—		9,390		—		321,436
Bankcard and other revolving plans	329,442		—		2,524		—		331,966
Other	206,174		—		1,404		—		207,578
Total consumer loans	7,516,600		—		105,603		—		7,622,203		68,509
FDIC-supported loans	253,788		20,401		100,672		—		374,861		5,731
Total	$	36,024,428	$	715,805	$	1,524,012	$	8,485	$	38,272,730	$	797,523



	December 31, 2012
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance

Commercial:
Commercial and industrial	$	10,717,594	$	198,645	$	336,230	$	4,476	$	11,256,945
Leasing	419,482		226		2,805		—		422,513
Owner occupied	6,833,923		138,539		612,011		4,609		7,589,082
Municipal	453,193		31,756		9,234		—		494,183
Total commercial	18,424,192		369,166		960,280		9,085		19,762,723		$	510,908
Commercial real estate:
Construction and land development	1,648,215		57,348		233,374		476		1,939,413
Term	7,433,789		237,201		388,914		2,915		8,062,819
Total commercial real estate	9,082,004		294,549		622,288		3,391		10,002,232		276,976
Consumer:
Home equity credit line	2,138,693		85		38,897		5		2,177,680
1-4 family residential	4,234,426		4,316		111,063		524		4,350,329
Construction and other consumer real estate	313,499		218		7,518		—		321,235
Bankcard and other revolving plans	298,665		23		7,740		—		306,428
Other	209,293		3,211		3,875		—		216,379
Total consumer loans	7,194,576		7,853		169,093		529		7,372,051		95,656
FDIC-supported loans	327,609		24,980		175,652		—		528,241		12,547
Total	$	35,028,381	$	696,548	$	1,927,313	$	13,005	$	37,665,247	$	896,087

Summary Of Information On Impaired Loans



	September 30, 2013
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	176,337	$	29,242	$	124,439	$	153,681	$	20,670
Owner occupied	166,488		50,883		102,850		153,733		15,668
Total commercial	342,825		80,125		227,289		307,414		36,338
Commercial real estate:
Construction and land development	130,435		48,912		64,479		113,391		3,572
Term	207,519		47,754		134,593		182,347		10,243
Total commercial real estate	337,954		96,666		199,072		295,738		13,815
Consumer:
Home equity credit line	15,056		9,780		2,464		12,244		182
1-4 family residential	101,913		39,774		46,529		86,303		11,778
Construction and other consumer real estate	6,238		3,169		1,603		4,772		229
Other	753		753		—		753		—
Total consumer loans	123,960		53,476		50,596		104,072		12,189
FDIC-supported loans	441,347		121,381		212,921		334,302		5,124
Total	$	1,246,086	$	351,648	$	689,878	$	1,041,526	$	67,466



	December 31, 2012
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	176,521	$	27,035	$	119,780	$	146,815	$	12,198
Owner occupied	210,319		79,413		106,282		185,695		17,105
Total commercial	386,840		106,448		226,062		332,510		29,303
Commercial real estate:
Construction and land development	182,385		67,241		85,855		153,096		5,178
Term	310,242		70,718		187,112		257,830		16,725
Total commercial real estate	492,627		137,959		272,967		410,926		21,903
Consumer:
Home equity credit line	14,339		8,055		3,444		11,499		297
1-4 family residential	108,934		42,602		49,867		92,469		12,921
Construction and other consumer real estate	7,054		2,710		3,085		5,795		517
Bankcard and other revolving plans	287		—		287		287		1
Other	2,454		1,832		175		2,007		22
Total consumer loans	133,068		55,199		56,858		112,057		13,758
FDIC-supported loans	895,804		275,187		195,158		470,345		12,125
Total	$	1,908,339	$	574,793	$	751,045	$	1,325,838	$	77,089



	Three Months Ended September 30, 2013					Nine Months Ended September 30, 2013
(In thousands)	Average recorded investment		Interest income recognized			Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	199,217	$	1,105		$	175,040	$	2,594
Owner occupied	217,439		915			211,225		2,810
Municipal	—		—			—		—
Total commercial	416,656		2,020			386,265		5,404
Commercial real estate:
Construction and land development	135,013		623			139,194		2,754
Term	288,980		1,969			285,307		5,571
Total commercial real estate	423,993		2,592			424,501		8,325
Consumer:
Home equity credit line	14,606		120			12,943		262
1-4 family residential	103,379		457			100,012		1,171
Construction and other consumer real estate	5,501		49			5,767		141
Bankcard and other revolving plans	—		—			—		—
Other	1,751		—			1,784		—
Total consumer loans	125,237		626			120,506		1,574
FDIC-supported loans	363,293		20,004		¹	404,826		79,153		¹
Total	$	1,329,179	$	25,242		$	1,336,098	$	94,456



	Three Months Ended September 30, 2012					Nine Months Ended September 30, 2012
(In thousands)	Average recorded investment		Interest income recognized			Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	133,120	$	830		$	128,930	$	2,395
Owner occupied	187,072		558			168,328		1,729
Municipal	3,943		—			1,314		—
Total commercial	324,135		1,388			298,572		4,124
Commercial real estate:
Construction and land development	205,295		1,133			188,064		2,780
Term	288,735		1,723			258,159		5,806
Total commercial real estate	494,030		2,856			446,223		8,586
Consumer:
Home equity credit line	742		3			847		6
1-4 family residential	86,103		431			79,993		1,162
Construction and other consumer real estate	6,764		43			6,641		128
Bankcard and other revolving plans	287		—			128		—
Other	1,972		—			2,320		—
Total consumer loans	95,868		477			89,929		1,296
FDIC-supported loans	94,890		14,055		¹	102,709		34,202		¹
Total	$	1,008,923	$	18,776		$	937,433	$	48,208

¹The balance of interest income recognized results primarily from accretion of interest income on impaired FDIC-supported loans.

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:

	September 30, 2013
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	39,950	$	15,117	$	12,189	$	—	$	67,256
Collectively evaluated for impairment	439,325		228,891		56,320		607		725,143
Purchased loans with evidence of credit deterioration	—		—		—		5,124		5,124
Total	$	479,275	$	244,008	$	68,509	$	5,731	$	797,523

Outstanding loan balances:
Individually evaluated for impairment	$	327,999	$	322,996	$	104,308	$	1,051	$	756,354
Collectively evaluated for impairment	19,778,832		9,845,839		7,517,895		40,559		37,183,125
Purchased loans with evidence of credit deterioration	—		—		—		333,251		333,251
Total	$	20,106,831	$	10,168,835	$	7,622,203	$	374,861	$	38,272,730



	December 31, 2012
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	30,587	$	22,295	$	13,758	$	—	$	66,640
Collectively evaluated for impairment	480,321		254,681		81,898		422		817,322
Purchased loans with evidence of credit deterioration	—		—		—		12,125		12,125
Total	$	510,908	$	276,976	$	95,656	$	12,547	$	896,087

Outstanding loan balances:
Individually evaluated for impairment	$	353,380	$	437,647	$	112,320	$	1,149	$	904,496
Collectively evaluated for impairment	19,409,343		9,564,585		7,259,731		57,896		36,291,555
Purchased loans with evidence of credit deterioration	—		—		—		469,196		469,196
Total	$	19,762,723	$	10,002,232	$	7,372,051	$	528,241	$	37,665,247

Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type



	Three Months Ended September 30, 2013						Nine Months Ended September 30, 2013
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	660	$	660	$	—	$	660	$	660
Owner occupied	—		—		—		—		511		511
Total commercial	—		660		660		—		1,171		1,171
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		—		—		—		—		—
Total commercial real estate	—		—		—		—		—		—
Consumer:
Home equity credit line	—		222		222		—		307		307
1-4 family residential	—		—		—		—		1,372		1,372
Total consumer loans	—		222		222		—		1,679		1,679
Total	$	—	$	882	$	882	$	—	$	2,850	$	2,850



	Three Months Ended September 30, 2012						Nine Months Ended September 30, 2012
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	107	$	107	$	—	$	1,441	$	1,441
Owner occupied	—		—		—		—		5,405		5,405
Total commercial	—		107		107		—		6,846		6,846
Commercial real estate:
Construction and land development	—		2,229		2,229		—		2,525		2,525
Term	—		—		—		—		—		—
Total commercial real estate	—		2,229		2,229		—		2,525		2,525
Consumer:
Home equity credit line					—						—
1-4 family residential	—		—		—		—		1,089		1,089
Total consumer loans	—		—		—		—		1,089		1,089
Total	$	—	$	2,336	$	2,336	$	—	$	10,460	$	10,460



	September 30, 2013
	Recorded investment resulting from the following modification types:
(In thousands)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	355	$	15,794	$	—	$	6,856	$	14,326	$	34,928	$	72,259
Owner occupied	22,121		4,768		994		2,961		10,145		19,866		60,855
Total commercial	22,476		20,562		994		9,817		24,471		54,794		133,114
Commercial real estate:
Construction and land development	2,062		11,688		—		1,120		8,836		27,962		51,668
Term	34,482		9,516		5,331		5,766		22,405		58,945		136,445
Total commercial real estate	36,544		21,204		5,331		6,886		31,241		86,907		188,113
Consumer:
Home equity credit line	743		—		8,922		—		325		335		10,325
1-4 family residential	2,649		1,294		7,861		647		4,482		33,613		50,546
Construction and other consumer real estate	133		963		—		—		144		1,455		2,695
Other	—		—		—		—		—		—		—
Total consumer loans	3,525		2,257		16,783		647		4,951		35,403		63,566
Total accruing	62,545		44,023		23,108		17,350		60,663		177,104		384,793
Nonaccruing
Commercial:
Commercial and industrial	2,609		8,958		68		156		1,362		13,416		26,569
Owner occupied	3,096		1,471		1,074		3,823		11,182		12,944		33,590
Total commercial	5,705		10,429		1,142		3,979		12,544		26,360		60,159
Commercial real estate:
Construction and land development	11,822		1,750		—		—		5,591		40,008		59,171
Term	2,480		—		—		2,051		325		9,780		14,636
Total commercial real estate	14,302		1,750		—		2,051		5,916		49,788		73,807
Consumer:
Home equity credit line	—		—		1,575		—		222		130		1,927
1-4 family residential	4,455		1,420		1,787		—		4,440		16,353		28,455
Construction and other consumer real estate	5		926		—		—		—		1,034		1,965
Bankcard and other revolving plans	—		260		—		—		—		—		260
Total consumer loans	4,460		2,606		3,362		—		4,662		17,517		32,607
Total nonaccruing	24,467		14,785		4,504		6,030		23,122		93,665		166,573
Total	$	87,012	$	58,808	$	27,612	$	23,380	$	83,785	$	270,769	$	551,366



	December 31, 2012
	Recorded investment resulting from the following modification types:
(In thousands)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	5,388	$	6,139	$	—	$	3,585	$	17,647	$	44,684	$	77,443
Owner occupied	20,963		12,104		—		4,013		9,305		13,598		59,983
Total commercial	26,351		18,243		—		7,598		26,952		58,282		137,426
Commercial real estate:
Construction and land development	1,718		9,868		2		59		8,432		30,248		50,327
Term	30,118		1,854		8,433		3,807		32,302		82,809		159,323
Total commercial real estate	31,836		11,722		8,435		3,866		40,734		113,057		209,650
Consumer:
Home equity credit line	744		—		5,965		—		300		218		7,227
1-4 family residential	2,665		1,324		5,923		147		3,319		36,199		49,577
Construction and other consumer real estate	147		—		—		—		641		2,354		3,142
Other	—		3		—		—		1		—		4
Total consumer loans	3,556		1,327		11,888		147		4,261		38,771		59,950
Total accruing	61,743		31,292		20,323		11,611		71,947		210,110		407,026
Nonaccruing
Commercial:
Commercial and industrial	318		5,667		—		480		2,035		17,379		25,879
Owner occupied	3,822		4,816		654		4,701		7,643		7,803		29,439
Total commercial	4,140		10,483		654		5,181		9,678		25,182		55,318
Commercial real estate:
Construction and land development	18,255		1,308		—		—		1,807		68,481		89,851
Term	3,042		536		—		2,645		9,389		17,718		33,330
Total commercial real estate	21,297		1,844		—		2,645		11,196		86,199		123,181
Consumer:
Home equity credit line	—		—		4,008		—		131		143		4,282
1-4 family residential	4,697		5,637		4,048		—		1,693		14,240		30,315
Construction and other consumer real estate	7		1,671		—		—		—		243		1,921
Bankcard and other revolving plans	—		287		—		—		—		—		287
Other	—		—		—		172		—		—		172
Total consumer loans	4,704		7,595		8,056		172		1,824		14,626		36,977
Total nonaccruing	30,141		19,922		8,710		7,998		22,698		126,007		215,476
Total	$	91,884	$	51,214	$	29,033	$	19,609	$	94,645	$	336,117	$	622,502

¹Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.

²Includes TDRs that resulted from a combination of any of the previous modification types.

Schedule Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans



(In thousands)	Three Months Ended September 30,						Nine Months Ended September 30,
	2013			2012			2013			2012
Commercial:
Commercial and industrial	$	(107	)	$	(134	)	$	(308	)	$	(157	)
Owner occupied	(1,061		)	(309		)	(3,158		)	(1,012		)
Total commercial	(1,168		)	(443		)	(3,466		)	(1,169		)
Commercial real estate:
Construction and land development	(237		)	(273		)	(755		)	(742		)
Term	(2,134		)	(1,443		)	(7,285		)	(4,469		)
Total commercial real estate	(2,371		)	(1,716		)	(8,040		)	(5,211		)
Consumer:
Home equity credit line	(24		)	(18		)	(97		)	(51		)
1-4 family residential	(3,700		)	(4,204		)	(11,313		)	(12,045		)
Construction and other consumer real estate	(106		)	(230		)	(324		)	(445		)
Total consumer loans	(3,830		)	(4,452		)	(11,734		)	(12,541		)
Total decrease to interest income¹	$	(7,369	)	$	(6,611	)	$	(23,240	)	$	(18,921	)

¹Calculated based on the difference between the modified rate and the premodified rate applied to the recorded investment.

Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans



(In thousands)	September 30, 2013		December 31, 2012

Commercial	$	164,760	$	227,414
Commercial real estate	254,507		382,068
Consumer	31,675		41,398
Outstanding balance	$	450,942	$	650,880

Carrying amount	$	334,473	$	472,040
ALLL	5,077		12,077
Carrying amount, net	$	329,396	$	459,963

Schedule Of Changes In The Accretable Yield For PCI Loans



(In thousands)	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2013			2012			2013			2012

Balance at beginning of period	$	104,483		$	157,040		$	134,461		$	184,679
Accretion	(19,941		)	(25,409		)	(78,994		)	(69,824		)
Reclassification from nonaccretable difference	7,908			9,565			31,092			25,112
Disposals and other	3,308			3,550			9,199			4,779
Balance at end of period	$	95,758		$	144,746		$	95,758		$	144,746

Schedule Of Changes In The FDIC Indemnification Asset



(In thousands)	Three Months Ended September 30,						Nine Months Ended September 30,
	Three Months Ended September 30,						Nine Months Ended September 30,
	2013			2012			2013			2012

Balance at beginning of period	$	51,297		$	117,167		$	90,929		$	133,810
Amounts filed with the FDIC and collected or in process ¹	5,507			3,904			15,267			15,106
Net change in asset balance due to reestimation of projected cash flows ²	(15,033		)	(20,165		)	(64,425		)	(48,010		)
Balance at end of period	$	41,771		$	100,906		$	41,771		$	100,906


¹	The FDIC’s reimbursement process requires that submitted expenses be paid, not just incurred, to qualify for reimbursement.


²	Negative amounts result from the accretion of loan balances based on increases in cash flow estimates and on prepayments.