Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2015

Mar. 31, 2014

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructuring and Financing Receivables, 12 months or less [Table Text Block]



	Three Months Ended March 31, 2015						Three Months Ended March 31, 2014
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	44	$	44	$	—	$	—	$	—
Owner occupied	—		986		986		—		—		—
Total commercial	—		1,030		1,030		—		—		—
Commercial real estate:
Construction and land development	—		1,284		1,284		—		—		—
Term	—		—		—		—		84		84
Total commercial real estate	—		1,284		1,284		—		84		84
Consumer:
Home equity credit line	—		—		—		—		217		217
1-4 family residential	110		—		110		—		—		—
Construction and other consumer real estate	—		—		—		—		26		26
Total consumer loans	110		—		110		—		243		243
Total	$	110	$	2,314	$	2,424	$	—	$	327	$	327

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2015 and 2014 were $74.5 million and

Schedule of Quantitative Information about Derecognized Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together [Table Text Block]



(In billions)	March 31, 2015		December 31, 2014

Loan Servicing Assets	$	1.2	$	1.2

Summary Of Major Portfolio Segment And Specific Loan Class



(In thousands)	March 31, 2015		December 31, 2014

Loans held for sale	$	128,946	$	132,504

Commercial:
Commercial and industrial	$	13,264,092	$	13,162,955
Leasing	407,137		408,974
Owner occupied	7,309,639		7,351,548
Municipal	555,122		520,887
Total commercial	21,535,990		21,444,364
Commercial real estate:
Construction and land development	2,044,641		1,986,408
Term	8,088,430		8,126,600
Total commercial real estate	10,133,071		10,113,008
Consumer:
Home equity credit line	2,314,806		2,321,150
1-4 family residential	5,212,963		5,200,882
Construction and other consumer real estate	373,335		370,542
Bankcard and other revolving plans	406,723		401,352
Other	203,226		212,360
Total consumer	8,511,053		8,506,286
Total loans	$	40,180,114	$	40,063,658

Summary Of Changes in The Allowance For Credit Losses

Changes in the allowance for credit losses are summarized as follows:

	Three Months Ended March 31, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses:
Balance at beginning of period	$	412,514		$	145,009		$	47,140		$	604,663
Additions:
Provision for loan losses	24,934			(26,887		)	459			(1,494		)
Adjustment for FDIC-supported/PCI loans	(38		)							(38		)
Deductions:
Gross loan and lease charge-offs	(15,951		)	(626		)	(3,611		)	(20,188		)
Recoveries	20,613			14,119			2,338			37,070
Net loan and lease charge-offs	4,662			13,493			(1,273		)	16,882
Balance at end of period	$	442,072		$	131,615		$	46,326		$	620,013

Reserve for unfunded lending commitments:
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	3,844			(2,580		)	(53		)	1,211
Balance at end of period	$	62,775		$	18,937		$	575		$	82,287

Total allowance for credit losses at end of period:
Allowance for loan losses	$	442,072		$	131,615		$	46,326		$	620,013
Reserve for unfunded lending commitments	62,775			18,937			575			82,287
Total allowance for credit losses	$	504,847		$	150,552		$	46,901		$	702,300



	Three Months Ended March 31, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses:
Balance at beginning of period	$	469,213		$	216,012		$	61,066		$	746,291
Additions:
Provision for loan losses	11,260			(2,891		)	(8,979		)	(610		)
Adjustment for FDIC-supported/PCI loans	(781		)	—			(36		)	(817		)
Deductions:
Gross loan and lease charge-offs	(9,796		)	(7,854		)	(3,145		)	(20,795		)
Recoveries	7,805			2,882			2,197			12,884
Net loan and lease charge-offs	(1,991		)	(4,972		)	(948		)	(7,911		)
Balance at end of period	$	477,701		$	208,149		$	51,103		$	736,953

Reserve for unfunded lending commitments:
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	89,705
Provision charged (credited) to earnings	1,525			(2,212		)	(325		)	(1,012		)
Balance at end of period	$	49,870		$	35,273		$	3,550		$	88,693

Total allowance for credit losses at end of period:
Allowance for loan losses	$	477,701		$	208,149		$	51,103		$	736,953
Reserve for unfunded lending commitments	49,870			35,273			3,550			88,693
Total allowance for credit losses	$	527,571		$	243,422		$	54,653		$	825,646

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

	March 31, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	38,382	$	5,326	$	9,437	$	53,145
Collectively evaluated for impairment	402,597		126,231		36,602		565,430
Purchased loans with evidence of credit deterioration	1,093		58		287		1,438
Total	$	442,072	$	131,615	$	46,326	$	620,013

Outstanding loan balances:
Individually evaluated for impairment	$	305,678	$	141,470	$	88,073	$	535,221
Collectively evaluated for impairment	21,156,592		9,917,574		8,407,837		39,482,003
Purchased loans with evidence of credit deterioration	73,720		74,027		15,143		162,890
Total	$	21,535,990	$	10,133,071	$	8,511,053	$	40,180,114

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In thousands)	March 31, 2015		December 31, 2014

Commercial:
Commercial and industrial	$	163,499	$	105,591
Leasing	247		295
Owner occupied	97,609		87,243
Municipal	1,027		1,056
Total commercial	262,382		194,185
Commercial real estate:
Construction and land development	22,101		23,880
Term	37,517		25,107
Total commercial real estate	59,618		48,987
Consumer:
Home equity credit line	10,337		11,430
1-4 family residential	48,078		49,861
Construction and other consumer real estate	1,301		1,735
Bankcard and other revolving plans	318		196
Other	32		254
Total consumer loans	60,066		63,476
Total	$	382,066	$	306,648

Summary Of Past Due Loans (Accruing And Nonaccruing)

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

	March 31, 2015
(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 current ¹

Commercial:
Commercial and industrial	$	13,182,403	$	42,881	$	38,808	$	81,689	$	13,264,092	$	2,969	$	109,978
Leasing	406,902		208		27		235		407,137		—		197
Owner occupied	7,222,254		44,380		43,005		87,385		7,309,639		2,247		40,515
Municipal	553,002		2,120		—		2,120		555,122		—		1,027
Total commercial	21,364,561		89,589		81,840		171,429		21,535,990		5,216		151,717
Commercial real estate:
Construction and land development	2,027,240		4,114		13,287		17,401		2,044,641		2,590		11,338
Term	8,038,106		17,208		33,116		50,324		8,088,430		21,910		23,398
Total commercial real estate	10,065,346		21,322		46,403		67,725		10,133,071		24,500		34,736
Consumer:
Home equity credit line	2,302,583		4,522		7,701		12,223		2,314,806		—		1,103
1-4 family residential	5,181,356		12,780		18,827		31,607		5,212,963		268		22,781
Construction and other consumer real estate	361,483		10,682		1,170		11,852		373,335		556		664
Bankcard and other revolving plans	402,775		2,859		1,089		3,948		406,723		951		98
Other	202,276		889		61		950		203,226		61		27
Total consumer loans	8,450,473		31,732		28,848		60,580		8,511,053		1,836		24,673
Total	$	39,880,380	$	142,643	$	157,091	$	299,734	$	40,180,114	$	31,552	$	211,126



	December 31, 2014
(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 current ¹

Commercial:
Commercial and industrial	$	13,092,731	$	28,295	$	41,929	$	70,224	$	13,162,955	$	4,677	$	64,385
Leasing	408,724		225		25		250		408,974		—		270
Owner occupied	7,275,842		29,182		46,524		75,706		7,351,548		3,334		39,649
Municipal	520,887		—		—		—		520,887		—		1,056
Total commercial	21,298,184		57,702		88,478		146,180		21,444,364		8,011		105,360
Commercial real estate:
Construction and land development	1,972,206		2,711		11,491		14,202		1,986,408		92		12,481
Term	8,082,940		14,415		29,245		43,660		8,126,600		19,700		13,787
Total commercial real estate	10,055,146		17,126		40,736		57,862		10,113,008		19,792		26,268
Consumer:
Home equity credit line	2,309,967		4,503		6,680		11,183		2,321,150		1		1,779
1-4 family residential	5,163,610		12,416		24,856		37,272		5,200,882		318		20,599
Construction and other consumer real estate	359,723		9,675		1,144		10,819		370,542		160		608
Bankcard and other revolving plans	397,882		2,425		1,045		3,470		401,352		946		80
Other	211,560		644		156		800		212,360		—		84
Total consumer loans	8,442,742		29,663		33,881		63,544		8,506,286		1,425		23,150
Total	$	39,796,072	$	104,491	$	163,095	$	267,586	$	40,063,658	$	29,228	$	154,778


¹	Represents 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



	March 31, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,342,163	$	325,604	$	587,272	$	9,053	$	13,264,092
Leasing	388,843		11,656		6,638		—		407,137
Owner occupied	6,851,794		111,853		345,992		—		7,309,639
Municipal	552,874		1,221		1,027		—		555,122
Total commercial	20,135,674		450,334		940,929		9,053		21,535,990		$	442,072
Commercial real estate:
Construction and land development	1,994,072		8,515		42,054		—		2,044,641
Term	7,827,313		68,890		187,799		4,428		8,088,430
Total commercial real estate	9,821,385		77,405		229,853		4,428		10,133,071		131,615
Consumer:
Home equity credit line	2,298,505		—		16,301		—		2,314,806
1-4 family residential	5,149,513		—		63,450		—		5,212,963
Construction and other consumer real estate	370,817		—		2,518		—		373,335
Bankcard and other revolving plans	404,826		—		1,897		—		406,723
Other	202,909		—		317		—		203,226
Total consumer loans	8,426,570		—		84,483		—		8,511,053		46,326
Total	$	38,383,629	$	527,739	$	1,255,265	$	13,481	$	40,180,114	$	620,013



	December 31, 2014
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,515,846	$	209,215	$	426,002	$	11,892	$	13,162,955
Leasing	399,032		4,868		5,074		—		408,974
Owner occupied	6,844,310		168,423		338,815		—		7,351,548
Municipal	518,513		1,318		1,056		—		520,887
Total commercial	20,277,701		383,824		770,947		11,892		21,444,364		$	412,514
Commercial real estate:
Construction and land development	1,925,685		8,464		52,259		—		1,986,408
Term	7,802,571		96,347		223,324		4,358		8,126,600
Total commercial real estate	9,728,256		104,811		275,583		4,358		10,113,008		145,009
Consumer:
Home equity credit line	2,304,352		—		16,798		—		2,321,150
1-4 family residential	5,138,660		—		62,222		—		5,200,882
Construction and other consumer real estate	367,932		—		2,610		—		370,542
Bankcard and other revolving plans	399,446		—		1,906		—		401,352
Other	211,811		—		549		—		212,360
Total consumer loans	8,422,201		—		84,085		—		8,506,286		47,140
Total	$	38,428,158	$	488,635	$	1,130,615	$	16,250	$	40,063,658	$	604,663

Summary Of Information On Impaired Loans

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

	March 31, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	38,382	$	5,326	$	9,437	$	53,145
Collectively evaluated for impairment	402,597		126,231		36,602		565,430
Purchased loans with evidence of credit deterioration	1,093		58		287		1,438
Total	$	442,072	$	131,615	$	46,326	$	620,013

Outstanding loan balances:
Individually evaluated for impairment	$	305,678	$	141,470	$	88,073	$	535,221
Collectively evaluated for impairment	21,156,592		9,917,574		8,407,837		39,482,003
Purchased loans with evidence of credit deterioration	73,720		74,027		15,143		162,890
Total	$	21,535,990	$	10,133,071	$	8,511,053	$	40,180,114



	December 31, 2014
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	28,627	$	4,027	$	9,059	$	41,713
Collectively evaluated for impairment	382,552		140,090		37,508		560,150
Purchased loans with evidence of credit deterioration	1,335		892		573		2,800
Total	$	412,514	$	145,009	$	47,140	$	604,663

Outstanding loan balances:
Individually evaluated for impairment	$	259,207	$	167,435	$	95,267	$	521,909
Collectively evaluated for impairment	21,105,217		9,861,862		8,395,371		39,362,450
Purchased loans with evidence of credit deterioration	79,940		83,711		15,648		179,299
Total	$	21,444,364	$	10,113,008	$	8,506,286	$	40,063,658



	March 31, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	223,938	$	34,260	$	147,353	$	181,613	$	30,899
Owner occupied	202,999		102,672		73,403		176,075		7,341
Municipal	1,505		1,027		—		1,027		—
Total commercial	428,442		137,959		220,756		358,715		38,240
Commercial real estate:
Construction and land development	55,316		12,565		25,897		38,462		1,293
Term	180,822		116,700		30,231		146,931		3,550
Total commercial real estate	236,138		129,265		56,128		185,393		4,843
Consumer:
Home equity credit line	29,149		14,491		11,288		25,779		189
1-4 family residential	80,023		30,356		36,681		67,037		8,885
Construction and other consumer real estate	3,498		1,310		1,246		2,556		187
Bankcard and other revolving plans	—		—		—		—		—
Other	5,825		—		4,674		4,674		95
Total consumer loans	118,495		46,157		53,889		100,046		9,356
Total	$	783,075	$	313,381	$	330,773	$	644,154	$	52,439



	December 31, 2014
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	185,520	$	43,257	$	103,565	$	146,822	$	22,852
Owner occupied	198,231		83,179		86,382		169,561		6,087
Municipal	1,535		1,056		—		1,056		—
Total commercial	385,286		127,492		189,947		317,439		28,939
Commercial real estate:
Construction and land development	60,993		16,500		26,977		43,477		1,773
Term	203,788		96,351		63,740		160,091		2,345
Total commercial real estate	264,781		112,851		90,717		203,568		4,118
Consumer:
Home equity credit line	30,209		14,798		11,883		26,681		437
1-4 family residential	86,575		37,096		35,831		72,927		8,494
Construction and other consumer real estate	3,902		1,449		1,410		2,859		233
Bankcard and other revolving plans	—		—		—		—		—
Other	6,580		—		5,254		5,254		133
Total consumer loans	127,266		53,343		54,378		107,721		9,297
Total	$	777,333	$	293,686	$	335,042	$	628,728	$	42,354



	Three Months Ended March 31, 2015				Three Months Ended March 31, 2014
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	160,013	$	1,451	$	188,191	$	2,591
Owner occupied	177,568		4,092		237,902		4,758
Municipal	1,033		—		—		—
Total commercial	338,614		5,543		426,093		7,349
Commercial real estate:
Construction and land development	38,736		569		66,772		3,538
Term	143,496		5,008		293,802		14,183
Total commercial real estate	182,232		5,577		360,574		17,721
Consumer:
Home equity credit line	25,386		413		25,224		402
1-4 family residential	66,711		510		83,241		540
Construction and other consumer real estate	2,560		42		3,490		38
Bankcard and other revolving plans	2		100		10		1
Other	4,748		285		8,595		494
Total consumer loans	99,407		1,350		120,560		1,475
Total	$	620,253	$	12,470	$	907,227	$	26,545

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



	March 31, 2015
	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	$	2,509	$	3,462	$	17	$	464	$	151	$	21,929	$	28,532
Owner occupied	19,744		1,092		952		1,241		10,845		17,167		51,041
Total commercial	22,253		4,554		969		1,705		10,996		39,096		79,573
Commercial real estate:
Construction and land development	—		—		—		—		510		13,712		14,222
Term	7,238		1,019		176		973		2,289		32,729		44,424
Total commercial real estate	7,238		1,019		176		973		2,799		46,441		58,646
Consumer:
Home equity credit line	741		84		10,968		—		164		1,623		13,580
1-4 family residential	2,402		366		7,073		442		1,381		33,676		45,340
Construction and other consumer real estate	284		416		—		—		—		1,226		1,926
Total consumer loans	3,427		866		18,041		442		1,545		36,525		60,846
Total accruing	32,918		6,439		19,186		3,120		15,340		122,062		199,065
Nonaccruing
Commercial:
Commercial and industrial	322		515		—		3,310		6,951		25,035		36,133
Owner occupied	2,328		1,163		—		833		2,525		11,027		17,876
Municipal	—		1,027		—		—		—		—		1,027
Total commercial	2,650		2,705		—		4,143		9,476		36,062		55,036
Commercial real estate:
Construction and land development	10,901		66		—		93		3,249		7,667		21,976
Term	2,780		—		865		2,170		—		9,901		15,716
Total commercial real estate	13,681		66		865		2,263		3,249		17,568		37,692
Consumer:
Home equity credit line	—		—		713		203		—		150		1,066
1-4 family residential	207		227		2,245		185		3,601		9,699		16,164
Construction and other consumer real estate	—		243		—		76		—		87		406
Total consumer loans	207		470		2,958		464		3,601		9,936		17,636
Total nonaccruing	16,538		3,241		3,823		6,870		16,326		63,566		110,364
Total	$	49,456	$	9,680	$	23,009	$	9,990	$	31,666	$	185,628	$	309,429



	December 31, 2014
	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	$	2,611	$	6,509	$	18	$	3,203	$	3,855	$	34,585	$	50,781
Owner occupied	19,981		1,124		960		1,251		10,960		17,505		51,781
Total commercial	22,592		7,633		978		4,454		14,815		52,090		102,562
Commercial real estate:
Construction and land development	—		—		—		—		521		19,854		20,375
Term	7,328		9,027		179		3,153		2,546		39,007		61,240
Total commercial real estate	7,328		9,027		179		3,153		3,067		58,861		81,615
Consumer:
Home equity credit line	742		70		11,320		—		166		1,281		13,579
1-4 family residential	2,425		552		6,828		446		753		34,719		45,723
Construction and other consumer real estate	290		422		42		90		—		1,227		2,071
Total consumer loans	3,457		1,044		18,190		536		919		37,227		61,373
Total accruing	33,377		17,704		19,347		8,143		18,801		148,178		245,550
Nonaccruing
Commercial:
Commercial and industrial	442		576		—		611		5,199		20,410		27,238
Owner occupied	2,714		1,219		—		883		2,852		12,040		19,708
Municipal	—		1,056		—		—		—		—		1,056
Total commercial	3,156		2,851		—		1,494		8,051		32,450		48,002
Commercial real estate:
Construction and land development	11,080		68		—		93		3,300		6,427		20,968
Term	2,851		—		—		—		277		4,607		7,735
Total commercial real estate	13,931		68		—		93		3,577		11,034		28,703
Consumer:
Home equity credit line	—		—		420		203		—		399		1,022
1-4 family residential	3,378		1,029		1,951		191		3,527		9,413		19,489
Construction and other consumer real estate	—		463		—		—		—		100		563
Total consumer loans	3,378		1,492		2,371		394		3,527		9,912		21,074
Total nonaccruing	20,465		4,411		2,371		1,981		15,155		53,396		97,779
Total	$	53,842	$	22,115	$	21,718	$	10,124	$	33,956	$	201,574	$	343,329


¹	Includes 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.


²	Includes 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



	Three Months Ended March 31,
(In thousands)	2015			2014
Commercial:
Commercial and industrial	$	(57	)	$	18
Owner occupied	(112		)	(142		)
Total commercial	(169		)	(124		)
Commercial real estate:
Construction and land development	(37		)	(56		)
Term	(109		)	(148		)
Total commercial real estate	(146		)	(204		)
Consumer:
Home equity credit line	(1		)	(2		)
1-4 family residential	(271		)	(300		)
Construction and other consumer real estate	(7		)	(9		)
Total consumer loans	(279		)	(311		)
Total decrease to interest income¹	$	(594	)	$	(639	)

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)	March 31, 2015		December 31, 2014

Commercial	$	96,157	$	104,942
Commercial real estate	105,234		118,217
Consumer	17,129		17,910
Outstanding balance	$	218,520	$	241,069

Carrying amount	$	162,890	$	179,299
Less ALLL	1,438		2,800
Carrying amount, net	$	161,452	$	176,499

Schedule Of Changes In The Accretable Yield For PCI Loans



(In thousands)	Three Months Ended March 31,
(In thousands)	2015			2014

Balance at beginning of period	$	45,055		$	77,528
Accretion	(9,583		)	(22,307		)
Reclassification from nonaccretable difference	13,281			8,920
Disposals and other	2,178			1,624
Balance at end of period	$	50,931		$	65,765