Loans And Allowance For Credit Losses (Tables)

9 Months Ended

Sep. 30, 2015

Accounts, Notes, Loans and Financing Receivable [Line Items]

Quantitative Information about Transferred Financial Assets that have been Derecognized and Other Financial Assets Managed Together [Table Text Block]



(In billions)	September 30, 2015		December 31, 2014

Loan Servicing Assets	$	1.2	$	1.2

Summary Of Major Portfolio Segment And Specific Loan Class



(In thousands)	September 30, 2015		December 31, 2014

Loans held for sale	$	139,122	$	132,504

Commercial:
Commercial and industrial	$	13,035,251	$	13,162,955
Leasing	426,781		408,974
Owner occupied	7,141,360		7,351,548
Municipal	600,258		520,887
Total commercial	21,203,650		21,444,364
Commercial real estate:
Construction and land development	2,213,465		1,986,408
Term	8,089,258		8,126,600
Total commercial real estate	10,302,723		10,113,008
Consumer:
Home equity credit line	2,347,061		2,321,150
1-4 family residential	5,268,840		5,200,882
Construction and other consumer real estate	370,015		370,542
Bankcard and other revolving plans	427,849		401,352
Other	192,985		212,360
Total consumer	8,606,750		8,506,286
Total loans	$	40,113,123	$	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 September 30, 2015
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	437,770		$	125,796		$	45,809		$	609,375
Additions:
Provision for loan losses	22,417			(6,621		)	2,466			18,262
Adjustment for FDIC-supported/PCI loans	—			—			—			—
Deductions:
Gross loan and lease charge-offs	(36,961		)	(1,068		)	(4,330		)	(42,359		)
Recoveries	4,471			4,162			2,529			11,162
Net loan and lease charge-offs	(32,490		)	3,094			(1,801		)	(31,197		)
Balance at end of period	$	427,697		$	122,269		$	46,474		$	596,440

Reserve for unfunded lending commitments
Balance at beginning of period	$	60,774		$	18,639		$	548		$	79,961
Provision charged (credited) to earnings	2,808			(1,467		)	87			1,428
Balance at end of period	$	63,582		$	17,172		$	635		$	81,389

Total allowance for credit losses at end of period
Allowance for loan losses	$	427,697		$	122,269		$	46,474		$	596,440
Reserve for unfunded lending commitments	63,582			17,172			635			81,389
Total allowance for credit losses	$	491,279		$	139,441		$	47,109		$	677,829



	Nine Months Ended September 30, 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	53,292			(38,491		)	2,533			17,334
Adjustment for FDIC-supported/PCI loans	(57		)	57			—			—
Deductions:
Gross loan and lease charge-offs	(76,734		)	(5,637		)	(11,224		)	(93,595		)
Recoveries	38,682			21,331			8,025			68,038
Net loan and lease charge-offs	(38,052		)	15,694			(3,199		)	(25,557		)
Balance at end of period	$	427,697		$	122,269		$	46,474		$	596,440

Reserve for unfunded lending commitments
Balance at beginning of period	$	58,931		$	21,517		$	628		$	81,076
Provision charged (credited) to earnings	4,651			(4,345		)	7			313
Balance at end of period	$	63,582		$	17,172		$	635		$	81,389

Total allowance for credit losses at end of period
Allowance for loan losses	$	427,697		$	122,269		$	46,474		$	596,440
Reserve for unfunded lending commitments	63,582			17,172			635			81,389
Total allowance for credit losses	$	491,279		$	139,441		$	47,109		$	677,829



	Three Months Ended September 30, 2014
(In thousands)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	442,965		$	187,940		$	45,002		$	675,907
Additions:
Provision for loan losses	(19,960		)	(34,187		)	(496		)	(54,643		)
Adjustment for FDIC-supported/PCI loans	(25		)	—			—			(25		)
Deductions:
Gross loan and lease charge-offs	(20,084		)	(3,320		)	(3,067		)	(26,471		)
Recoveries	9,149			3,332			3,028			15,509
Net loan and lease charge-offs	(10,935		)	12			(39		)	(10,962		)
Balance at end of period	$	412,045		$	153,765		$	44,467		$	610,277

Reserve for unfunded lending commitments
Balance at beginning of period	$	52,801		$	38,689		$	3,982		$	95,472
Provision charged (credited) to earnings	1,651			(14,390		)	(3,356		)	(16,095		)
Balance at end of period	$	54,452		$	24,299		$	626		$	79,377

Total allowance for credit losses at end of period
Allowance for loan losses	$	412,045		$	153,765		$	44,467		$	610,277
Reserve for unfunded lending commitments	54,452			24,299			626			79,377
Total allowance for credit losses	$	466,497		$	178,064		$	45,093		$	689,654



	Nine Months Ended September 30, 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	(38,274		)	(57,350		)	(14,045		)	(109,669		)
Adjustment for FDIC-supported/PCI loans	(1,190		)	—			(96		)	(1,286		)
Deductions:
Gross loan and lease charge-offs	(45,903		)	(14,135		)	(10,628		)	(70,666		)
Recoveries	28,199			9,238			8,170			45,607
Net loan and lease charge-offs	(17,704		)	(4,897		)	(2,458		)	(25,059		)
Balance at end of period	$	412,045		$	153,765		$	44,467		$	610,277

Reserve for unfunded lending commitments
Balance at beginning of period	$	48,345		$	37,485		$	3,875		$	89,705
Provision charged (credited) to earnings	6,107			(13,186		)	(3,249		)	(10,328		)
Balance at end of period	$	54,452		$	24,299		$	626		$	79,377

Total allowance for credit losses at end of period
Allowance for loan losses	$	412,045		$	153,765		$	44,467		$	610,277
Reserve for unfunded lending commitments	54,452			24,299			626			79,377
Total allowance for credit losses	$	466,497		$	178,064		$	45,093		$	689,654

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

	September 30, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	32,191	$	2,898	$	11,014	$	46,103
Collectively evaluated for impairment	394,836		119,286		35,010		549,132
Purchased loans with evidence of credit deterioration	670		85		450		1,205
Total	$	427,697	$	122,269	$	46,474	$	596,440

Outstanding loan balances:
Individually evaluated for impairment	$	279,928	$	122,063	$	92,612	$	494,603
Collectively evaluated for impairment	20,859,442		10,122,697		8,503,160		39,485,299
Purchased loans with evidence of credit deterioration	64,280		57,963		10,978		133,221
Total	$	21,203,650	$	10,302,723	$	8,606,750	$	40,113,123

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In thousands)	September 30, 2015		December 31, 2014
Commercial:
Commercial and industrial	$	167,136	$	105,591
Leasing	306		295
Owner occupied	76,624		87,243
Municipal	967		1,056
Total commercial	245,033		194,185
Commercial real estate:
Construction and land development	15,202		23,880
Term	39,053		25,107
Total commercial real estate	54,255		48,987
Consumer:
Home equity credit line	9,792		11,430
1-4 family residential	48,592		49,861
Construction and other consumer real estate	765		1,735
Bankcard and other revolving plans	563		196
Other	272		254
Total consumer loans	59,984		63,476
Total	$	359,272	$	306,648

Summary Of Past Due Loans (Accruing And Nonaccruing)

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

	September 30, 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	$	12,909,622	$	79,246	$	46,383	$	125,629	$	13,035,251	$	4,951	$	90,584
Leasing	423,071		3,557		153		3,710		426,781		—		55
Owner occupied	7,077,386		33,198		30,776		63,974		7,141,360		5,443		46,283
Municipal	600,210		48		—		48		600,258		—		967
Total commercial	21,010,289		116,049		77,312		193,361		21,203,650		10,394		137,889
Commercial real estate:
Construction and land development	2,195,193		12,447		5,825		18,272		2,213,465		2,296		10,914
Term	8,039,923		15,578		33,757		49,335		8,089,258		20,503		23,188
Total commercial real estate	10,235,116		28,025		39,582		67,607		10,302,723		22,799		34,102
Consumer:
Home equity credit line	2,336,740		4,694		5,627		10,321		2,347,061		—		2,592
1-4 family residential	5,231,005		10,137		27,698		37,835		5,268,840		877		18,739
Construction and other consumer real estate	364,283		5,524		208		5,732		370,015		—		401
Bankcard and other revolving plans	425,041		1,621		1,187		2,808		427,849		787		114
Other	192,042		877		66		943		192,985		—		46
Total consumer loans	8,549,111		22,853		34,786		57,639		8,606,750		1,664		21,892
Total	$	39,794,516	$	166,927	$	151,680	$	318,607	$	40,113,123	$	34,857	$	193,883



	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



	September 30, 2015
(In thousands)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,037,219	$	281,696	$	709,086	$	7,250	$	13,035,251
Leasing	400,233		3,015		23,533		—		426,781
Owner occupied	6,684,216		142,204		314,940		—		7,141,360
Municipal	599,243		48		967		—		600,258
Total commercial	19,720,911		426,963		1,048,526		7,250		21,203,650		$	427,697
Commercial real estate:
Construction and land development	2,166,381		19,138		27,946		—		2,213,465
Term	7,862,956		59,689		166,613		—		8,089,258
Total commercial real estate	10,029,337		78,827		194,559		—		10,302,723		122,269
Consumer:
Home equity credit line	2,333,240		—		13,821		—		2,347,061
1-4 family residential	5,214,015		—		54,825		—		5,268,840
Construction and other consumer real estate	368,363		—		1,652		—		370,015
Bankcard and other revolving plans	425,979		—		1,870		—		427,849
Other	192,564		—		421		—		192,985
Total consumer loans	8,534,161		—		72,589		—		8,606,750		46,474
Total	$	38,284,409	$	505,790	$	1,315,674	$	7,250	$	40,113,123	$	596,440



	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:

	September 30, 2015
(In thousands)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	32,191	$	2,898	$	11,014	$	46,103
Collectively evaluated for impairment	394,836		119,286		35,010		549,132
Purchased loans with evidence of credit deterioration	670		85		450		1,205
Total	$	427,697	$	122,269	$	46,474	$	596,440

Outstanding loan balances:
Individually evaluated for impairment	$	279,928	$	122,063	$	92,612	$	494,603
Collectively evaluated for impairment	20,859,442		10,122,697		8,503,160		39,485,299
Purchased loans with evidence of credit deterioration	64,280		57,963		10,978		133,221
Total	$	21,203,650	$	10,302,723	$	8,606,750	$	40,113,123



	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



	September 30, 2015
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	245,404	$	37,843	$	156,665	$	194,508	$	26,888
Owner occupied	151,243		83,527		48,400		131,927		5,091
Municipal	1,446		967		—		967		—
Total commercial	398,093		122,337		205,065		327,402		31,979
Commercial real estate:
Construction and land development	47,876		7,486		23,800		31,286		1,068
Term	138,865		90,294		27,856		118,150		1,463
Total commercial real estate	186,741		97,780		51,656		149,436		2,531
Consumer:
Home equity credit line	28,358		20,672		4,703		25,375		419
1-4 family residential	72,855		29,257		40,465		69,722		10,090
Construction and other consumer real estate	2,966		1,069		1,106		2,175		181
Other	3,843		36		3,162		3,198		294
Total consumer loans	108,022		51,034		49,436		100,470		10,984
Total	$	692,856	$	271,151	$	306,157	$	577,308	$	45,494



	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
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 September 30, 2015				Nine Months Ended September 30, 2015
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	191,642	$	1,314	$	158,825	$	5,525
Owner occupied	138,194		2,752		135,212		9,706
Municipal	978		—		1,007		—
Total commercial	330,814		4,066		295,044		15,231
Commercial real estate:
Construction and land development	31,506		499		31,920		2,691
Term	119,694		3,705		124,446		13,383
Total commercial real estate	151,200		4,204		156,366		16,074
Consumer:
Home equity credit line	25,095		401		24,329		1,206
1-4 family residential	90,240		398		91,671		1,803
Construction and other consumer real estate	5,540		32		2,342		91
Bankcard and other revolving plans	—		1		1		101
Other	36		177		4,109		692
Total consumer loans	120,911		1,009		122,452		3,893
Total	$	602,925	$	9,279	$	573,862	$	35,198



	Three Months Ended September 30, 2014				Nine Months Ended September 30, 2014
(In thousands)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	186,026	$	2,335	$	180,130	$	8,819
Owner occupied	232,484		4,514		235,380		13,774
Municipal	8,798		—		9,343		—
Total commercial	427,308		6,849		424,853		22,593
Commercial real estate:
Construction and land development	59,735		515		62,404		5,398
Term	225,536		5,670		248,587		26,118
Total commercial real estate	285,271		6,185		310,991		31,516
Consumer:
Home equity credit line	26,328		369		25,756		1,139
1-4 family residential	81,116		556		81,168		1,583
Construction and other consumer real estate	3,226		43		3,112		115
Bankcard and other revolving plans	—		1		3		2
Other	6,284		384		7,333		1,315
Total consumer loans	116,954		1,353		117,372		4,154
Total	$	829,533	$	14,387	$	853,216	$	58,263

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, 2015						Nine Months Ended September 30, 2015
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	9	$	9	$	—	$	104	$	104
Owner occupied	—		—		—		—		943		943
Total commercial	—		9		9		—		1,047		1,047
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		—		—		—		833		833
Total commercial real estate	—		—		—		—		833		833
Consumer:
Home equity credit line	—		—		—		—		—		—
1-4 family residential	—		595		595		—		595		595
Construction and other consumer real estate	—		—		—		—		—		—
Total consumer loans	—		595		595		—		595		595
Total	$	—	$	604	$	604	$	—	$	2,475	$	2,475



	Three Months Ended September 30, 2014						Nine Months Ended September 30, 2014
(In thousands)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	96	$	633	$	729	$	96	$	752	$	848
Owner occupied	—		1,025		1,025		—		1,025		1,025
Total commercial	96		1,658		1,754		96		1,777		1,873
Commercial real estate:
Construction and land development	—		—		—		—		—		—
Term	—		—		—		—		—		—
Total commercial real estate	—		—		—		—		—		—
Consumer:
Home equity credit line	—		158		158		—		201		201
1-4 family residential	—		353		353		—		353		353
Construction and other consumer real estate	—		—		—		—		39		39
Total consumer loans	—		511		511		—		593		593
Total	$	96	$	2,169	$	2,265	$	96	$	2,370	$	2,466

Note: Total loans modified as TDRs during the 12 months previous to September 30, 2015 and 2014 were $93.4 million and



	September 30, 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	$	455	$	3,906	$	14	$	108	$	223	$	35,228	$	39,934
Owner occupied	2,034		701		938		—		8,151		17,172		28,996
Total commercial	2,489		4,607		952		108		8,374		52,400		68,930
Commercial real estate:
Construction and land development	97		—		—		—		—		13,431		13,528
Term	4,758		766		170		975		2,409		20,825		29,903
Total commercial real estate	4,855		766		170		975		2,409		34,256		43,431
Consumer:
Home equity credit line	192		1,060		11,143		—		164		2,360		14,919
1-4 family residential	2,482		358		7,388		435		3,474		34,901		49,038
Construction and other consumer real estate	177		488		—		—		—		1,153		1,818
Total consumer loans	2,851		1,906		18,531		435		3,638		38,414		65,775
Total accruing	10,195		7,279		19,653		1,518		14,421		125,070		178,136
Nonaccruing
Commercial:
Commercial and industrial	90		471		—		2,018		5,351		37,950		45,880
Owner occupied	1,220		1,742		—		5,833		36		9,060		17,891
Municipal	—		967		—		—		—		—		967
Total commercial	1,310		3,180		—		7,851		5,387		47,010		64,738
Commercial real estate:
Construction and land development	10,512		354		—		—		3,197		968		15,031
Term	2,456		—		833		—		2,899		9,919		16,107
Total commercial real estate	12,968		354		833		—		6,096		10,887		31,138
Consumer:
Home equity credit line	8		514		512		58		—		48		1,140
1-4 family residential	—		268		2,085		173		1,227		7,325		11,078
Construction and other consumer real estate	—		143		18		60		—		72		293
Total consumer loans	8		925		2,615		291		1,227		7,445		12,511
Total nonaccruing	14,286		4,459		3,448		8,142		12,710		65,342		108,387
Total	$	24,481	$	11,738	$	23,101	$	9,660	$	27,131	$	190,412	$	286,523



	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 September 30,						Nine Months Ended September 30,
(In thousands)	2015			2014			2015			2014
Commercial:
Commercial and industrial	$	(67	)	$	(36	)	$	(189	)	$	(34	)
Owner occupied	(46		)	(124		)	(230		)	(400		)
Total commercial	(113		)	(160		)	(419		)	(434		)
Commercial real estate:
Construction and land development	(26		)	(48		)	(88		)	(154		)
Term	(84		)	(150		)	(295		)	(435		)
Total commercial real estate	(110		)	(198		)	(383		)	(589		)
Consumer:
Home equity credit line	—			(1		)	(1		)	(4		)
1-4 family residential	(260		)	(276		)	(800		)	(863		)
Construction and other consumer real estate	(7		)	(8		)	(21		)	(25		)
Total consumer loans	(267		)	(285		)	(822		)	(892		)
Total decrease to interest income¹	$	(490	)	$	(643	)	$	(1,624	)	$	(1,915	)


¹	Calculated 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, 2015			December 31, 2014

Commercial		$	78,180		$	104,942
Commercial real estate		81,012			118,217
Consumer		12,204			17,910
Outstanding balance		$	171,396		$	241,069

Carrying amount		$	133,221		$	179,299
Less ALLL		1,205			2,800
Carrying amount, net		$	132,016		$	176,499

Schedule Of Changes In The Accretable Yield For PCI Loans



(In thousands)	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2015			2014			2015			2014

Balance at beginning of period	$	46,702		$	60,834		$	45,055		$	77,528
Accretion	(7,535		)	(10,279		)	(28,792		)	(46,767		)
Reclassification from nonaccretable difference	1,005			2,955			18,865			17,406
Disposals and other	1,126			(38		)	6,170			5,305
Balance at end of period	$	41,298		$	53,472		$	41,298		$	53,472

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.