Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2012

Loans And Allowance For Credit Losses [Abstract]

Summary Of Major Portfolio Segment And Specific Loan Class

(In thousands)	March 31, 2012		December 31, 2011
Loans held for sale	$	184,579	$	201,590
Commercial:
Commercial and industrial	$	10,157,262	$	10,334,858
Leasing		393,916		379,709
Owner occupied		7,886,448		8,158,556
Municipal		440,747		441,241
Total commercial		18,878,373		19,314,364
Commercial real estate:
Construction and land development		2,100,344		2,264,909
Term		8,069,966		7,883,434
Total commercial real estate		10,170,310		10,148,343
Consumer:
Home equity credit line		2,167,099		2,187,428
1-4 family residential		3,874,533		3,921,216
Construction and other consumer real estate		316,257		305,873
Bankcard and other revolving plans		273,591		291,018
Other		223,312		225,540
Total consumer		6,854,792		6,931,075
FDIC-supported loans		687,126		750,870
Total loans	$	36,590,601	$	37,144,652

Summary Of Changes In The Allowance For Credit Losses

	Three Months Ended March 31, 2012
(In thousands)	Commercial			Commercial real estate			Consumer			FDIC- supported 1			Total
Allowance for loan losses:
Balance at beginning of period	$	627,825		$	275,546		$	123,115		$	23,472		$	1,049,958
Additions:
Provision for loan losses		27,165			(12,139	)		(48	)		686			15,664
Adjustment for FDIC-supported loans											(1,057	)		(1,057	)
Deductions:
Gross loan and lease charge-offs		(33,477	)		(27,011	)		(17,009	)		(2,517	)		(80,014	)
Recoveries		9,656			12,348			3,043			461			25,508
Net loan and lease charge-offs		(23,821	)		(14,663	)		(13,966	)		(2,056	)		(54,506	)
Balance at end of period	$	631,169		$	248,744		$	109,101		$	21,045		$	1,010,059
Reserve for unfunded lending commitments:
Balance at beginning of period	$	77,232		$	23,572		$	1,618		$	–		$	102,422
Provision charged (credited) to earnings		(5,230	)		2,227			(701	)		–			(3,704	)
Balance at end of period	$	72,002		$	25,799		$	917		$	–		$	98,718
Total allowance for credit losses at end of period:
Allowance for loan losses	$	631,169		$	248,744		$	109,101		$	21,045		$	1,010,059
Reserve for unfunded lending commitments		72,002			25,799			917			–			98,718
Total allowance for credit losses	$	703,171		$	274,543		$	110,018		$	21,045		$	1,108,777

		$18,878,373			$18,878,373			$18,878,373			$18,878,373			$18,878,373
	Three Months Ended March 31, 2011
(In thousands)	Commercial			Commercial real estate			Consumer			FDIC- supported 1			Total
Allowance for loan losses:
Balance at beginning of period	$	761,107		$	487,235		$	154,326		$	37,673		$	1,440,341
Additions:
Provision for loan losses		(19,725	)		61,862			15,956			1,907			60,000
Adjustment for FDIC-supported loans											(9,048	)		(9,048	)
Deductions:
Gross loan and lease charge-offs		(59,383	)		(73,380	)		(26,321	)		(8,884	)		(167,968	)
Net charge-offs recoverable from FDIC											4,534			4,534
Recoveries		12,091			4,797			4,149			904			21,941
Net loan and lease charge-offs		(47,292	)		(68,583	)		(22,172	)		(3,446	)		(141,493	)
Balance at end of period	$	694,090		$	480,514		$	148,110		$	27,086		$	1,349,800
Reserve for unfunded lending commitments:
Balance at beginning of period	$	83,352		$	26,373		$	1,983		$	–		$	111,708
Provision charged (credited) to earnings		(8,923	)		(73	)		(544	)		–			(9,540	)
Balance at end of period	$	74,429		$	26,300		$	1,439		$	–		$	102,168
Total allowance for credit losses at end of period:
Allowance for loan losses	$	694,090		$	480,514		$	148,110		$	27,086		$	1,349,800
Reserve for unfunded lending commitments		74,429			26,300			1,439			–			102,168
Total allowance for credit losses	$	768,519		$	506,814		$	149,549		$	27,086		$	1,451,968

¹ The Purchased Loans section following contains further discussion related to FDIC-supported loans.

Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method

		$18,878,373		$18,878,373		$18,878,373		$18,878,373		$18,878,373
	March 31, 2012
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	31,115	$	16,437	$	9,634	$	563	$	57,749
Collectively evaluated for impairment		600,054		232,307		99,467		13,802		945,630
Purchased loans with evidence of credit deterioration		–		–		–		6,680		6,680
Total	$	631,169	$	248,744	$	109,101	$	21,045	$	1,010,059
Outstanding loan balances:
Individually evaluated for impairment	$	383,848	$	572,479	$	104,527	$	2,086	$	1,062,940
Collectively evaluated for impairment		18,494,525		9,597,831		6,750,265		581,369		35,423,990
Purchased loans with evidence of credit deterioration		–		–		–		103,671		103,671
Total	$	18,878,373	$	10,170,310	$	6,854,792	$	687,126	$	36,590,601

		$18,878,373		$18,878,373		$18,878,373		$18,878,373		$18,878,373
	December 31, 2011
(In thousands)	Commercial		Commercial real estate		Consumer		FDIC- supported		Total
Allowance for loan losses:
Individually evaluated for impairment	$	11,456	$	20,971	$	8,995	$	623	$	42,045
Collectively evaluated for impairment		616,369		254,575		114,120		16,830		1,001,894
Purchased loans with evidence of credit deterioration		—		—		—		6,019		6,019
Total	$	627,825	$	275,546	$	123,115	$	23,472	$	1,049,958
Outstanding loan balances:
Individually evaluated for impairment	$	349,662	$	668,022	$	113,798	$	2,701	$	1,134,183
Collectively evaluated for impairment		18,964,702		9,480,321		6,817,277		637,962		35,900,262
Purchased loans with evidence of credit deterioration		—		—		—		110,207		110,207
Total	$	19,314,364	$	10,148,343	$	6,931,075	$	750,870	$	37,144,652

Summary Of Nonaccrual Loans

(In thousands)	March 31, 2012		December 31, 2011
Loans held for sale	$	30	$	18,216
Commercial:
Commercial and industrial	$	149,337	$	126,468
Leasing		1,343		1,546
Owner occupied		245,348		239,203
Municipal		—		—
Total commercial		396,028		367,217
Commercial real estate:
Construction and land development		147,640		219,837
Term		190,272		156,165
Total commercial real estate		337,912		376,002
Consumer:
Home equity credit line		17,425		18,376
1-4 family residential		86,910		90,857
Construction and other consumer real estate		8,060		12,096
Bankcard and other revolving plans		537		346
Other		2,641		2,498
Total consumer loans		115,573		124,173
FDIC-supported loans		22,623		24,267
Total	$	872,136	$	891,659

Summary Of Past Due Loans (Accruing And Nonaccruing)

	March 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 current 1
Loans held for sale	$	184,579	$	—	$	—	$	—	$	184,579	$	—	$	30
Commercial:
Commercial and industrial	$	10,005,362	$	75,593	$	76,307	$	151,900	$	10,157,262	$	16,825	$	64,254
Leasing		393,061		783		72		855		393,916		—		1,234
Owner occupied		7,679,180		81,076		126,192		207,268		7,886,448		13,837		101,876
Municipal		440,747		—		—		—		440,747		—		—
Total commercial		18,518,350		157,452		202,571		360,023		18,878,373		30,662		167,364
Commercial real estate:
Construction and land development		2,015,353		17,204		67,787		84,991		2,100,344		1,966		71,841
Term		7,921,052		49,320		99,594		148,914		8,069,966		3,182		78,243
Total commercial real estate		9,936,405		66,524		167,381		233,905		10,170,310		5,148		150,084
Consumer:
Home equity credit line		2,151,906		5,979		9,214		15,193		2,167,099		—		4,888
1-4 family residential		3,793,501		27,789		53,243		81,032		3,874,533		727		28,982
Construction and other consumer real estate		311,639		2,041		2,577		4,618		316,257		184		5,153
Bankcard and other revolving plans		269,570		2,227		1,794		4,021		273,591		1,451		179
Other		220,139		1,004		2,169		3,173		223,312		—		294
Total consumer loans		6,746,755		39,040		68,997		108,037		6,854,792		2,362		39,496
FDIC-supported loans		579,075		15,682		92,369		108,051		687,126		76,945		5,416
Total	$	35,780,585	$	278,698	$	531,318	$	810,016	$	36,590,601	$	115,117	$	362,360
	December 31, 2011
(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
Loans held for sale	$	183,344	$	—	$	18,246	$	18,246	$	201,590	$	30	$	—
Commercial:
Commercial and industrial	$	10,198,434	$	62,153	$	74,271	$	136,424	$	10,334,858	$	4,966	$	47,939
Leasing		377,914		1,634		161		1,795		379,709		—		1,319
Owner occupied		7,953,280		93,763		111,513		205,276		8,158,556		3,230		85,495
Municipal		441,241		—		—		—		441,241		—		—
Total commercial		18,970,869		157,550		185,945		343,495		19,314,364		8,196		134,753
Commercial real estate:
Construction and land development		2,137,544		21,562		105,803		127,365		2,264,909		2,471		107,991
Term		7,770,268		51,592		61,574		113,166		7,883,434		4,170		88,451
Total commercial real estate		9,907,812		73,154		167,377		240,531		10,148,343		6,641		196,442
Consumer:
Home equity credit line		2,169,190		8,669		9,569		18,238		2,187,428		—		5,542
1-4 family residential		3,846,012		18,985		56,219		75,204		3,921,216		2,833		32,067
Construction and other consumer real estate		294,371		5,008		6,494		11,502		305,873		136		4,773
Bankcard and other revolving plans		287,541		1,984		1,493		3,477		291,018		1,309		122
Other		221,575		1,995		1,970		3,965		225,540		—		372
Total consumer loans		6,818,689		36,641		75,745		112,386		6,931,075		4,278		42,876
FDIC-supported loans		634,113		27,791		88,966		116,757		750,870		74,611		6,812
Total	$	36,331,483	$	295,136	$	518,033	$	813,169	$	37,144,652	$	93,726	$	380,883

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, 2012
(In thousands)	Pass		Special Mention		Sub-standard		Doubtful		Total loans		Total allowance
Loans held for sale	$	183,963	$	30	$	586	$	—	$	184,579	$	—
Commercial:
Commercial and industrial	$	9,476,937	$	272,739	$	394,577	$	13,009	$	10,157,262
Leasing		381,236		4,601		8,079		—		393,916
Owner occupied		7,122,814		190,785		562,243		10,606		7,886,448
Municipal		425,387		15,360		—		—		440,747
Total commercial		17,406,374		483,485		964,899		23,615		18,878,373	$	631,169
Commercial real estate:
Construction and land development		1,573,304		199,607		323,423		4,010		2,100,344
Term		7,271,226		256,897		534,762		7,081		8,069,966
Total commercial real estate		8,844,530		456,504		858,185		11,091		10,170,310		248,744
Consumer:
Home equity credit line		2,114,658		101		52,296		44		2,167,099
1-4 family residential		3,737,361		2,632		134,317		223		3,874,533
Construction and other consumer real estate		289,848		12,058		12,699		1,652		316,257
Bankcard and other revolving plans		261,711		3,593		8,287		—		273,591
Other		217,801		—		5,511		—		223,312
Total consumer loans		6,621,379		18,384		213,110		1,919		6,854,792		109,101
FDIC-supported loans		444,230		33,102		209,792		2		687,126		21,045
Total	$	33,316,513	$	991,475	$	2,245,986	$	36,627	$	36,590,601	$	1,010,059
	December 31, 2011
(In thousands)	Pass		Special Mention		Sub-standard		Doubtful		Total loans		Total allowance
Loans held for sale	$	182,626	$	—	$	18,964	$	—	$	201,590	$	—
Commercial:
Commercial and industrial	$	9,612,143	$	271,845	$	442,139	$	8,731	$	10,334,858
Leasing		362,711		5,878		11,120		—		379,709
Owner occupied		7,481,207		184,821		486,584		5,944		8,158,556
Municipal		425,807		15,434		—		—		441,241
Total commercial		17,881,868		477,978		939,843		14,675		19,314,364	$	627,825
Commercial real estate:
Construction and land development		1,647,741		187,323		426,152		3,693		2,264,909
Term		7,243,678		196,377		437,390		5,989		7,883,434
Total commercial real estate		8,891,419		383,700		863,542		9,682		10,148,343		275,546
Consumer:
Home equity credit line		2,136,190		106		51,089		43		2,187,428
1-4 family residential		3,788,958		5,736		126,277		245		3,921,216
Construction and other consumer real estate		274,712		12,206		16,967		1,988		305,873
Bankcard and other revolving plans		278,767		3,832		8,419		—		291,018
Other		221,114		163		4,256		7		225,540
Total consumer loans		6,699,741		22,043		207,008		2,283		6,931,075		123,115
FDIC-supported loans		499,956		35,877		215,031		6		750,870		23,472
Total	$	33,972,984	$	919,598	$	2,225,424	$	26,646	$	37,144,652	$	1,049,958

Summary Of Information On Impaired Loans

	March 31, 2012
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	232,638	$	60,627	$	116,854	$	177,481	$	24,219
Owner occupied		238,737		123,793		82,574		206,367		6,896
Total commercial		471,375		184,420		199,428		383,848		31,115
Commercial real estate:
Construction and land development		303,480		146,158		88,335		234,493		5,108
Term		404,556		200,648		137,338		337,986		11,329
Total commercial real estate		708,036		346,806		225,673		572,479		16,437
Consumer:
Home equity credit line		1,178		376		710		1,086		147
1-4 family residential		111,985		47,497		46,472		93,969		8,726
Construction and other consumer real estate		8,518		2,551		4,257		6,808		710
Other		2,685		1,223		1,441		2,664		51
Total consumer loans		124,366		51,647		52,880		104,527		9,634
FDIC-supported loans		237,124		25,888		79,869		105,757		7,243
Total	$	1,540,901	$	608,761	$	557,850	$	1,166,611	$	64,429

	Three Months Ended March 31, 2012					Three Months Ended March 31, 2011
(In thousands)	Average recorded investment		Interest income recognized			Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	178,428	$	888		$	210,610	$	563
Owner occupied		204,469		600			321,311		686
Municipal		–		–			1,983		–
Total commercial		382,897		1,488			533,904		1,249
Commercial real estate:
Construction and land development		257,194		1,562			583,756		1,424
Term		346,399		1,973			416,262		1,759
Total commercial real estate		603,593		3,535			1,000,018		3,183
Consumer:
Home equity credit line		1,280		1			1,956		–
1-4 family residential		93,838		320			108,476		481
Construction and other consumer real estate		8,261		42			15,986		10
Bankcard and other revolving plans		–		–			52		–
Other		2,771		–			3,725		–
Total consumer loans		106,150		363			130,195		491
FDIC-supported loans		110,574		8,859	1		177,961		14,286	1
Total	$	1,203,214	$	14,245		$	1,842,078	$	19,209

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

	December 31, 2011
(In thousands)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	212,263	$	69,492	$	66,438	$	135,930	$	6,373
Owner occupied		258,173		135,555		78,177		213,732		5,083
Total commercial		470,436		205,047		144,615		349,662		11,456
Commercial real estate:
Construction and land development		405,499		178,113		136,634		314,747		8,925
Term		414,998		187,345		165,930		353,275		12,046
Total commercial real estate		820,497		365,458		302,564		668,022		20,971
Consumer:
Home equity credit line		1,955		384		1,469		1,853		411
1-4 family residential		116,498		58,392		39,960		98,352		7,555
Construction and other consumer real estate		13,340		4,537		6,188		10,725		1,026
Bankcard and other revolving plans		–		–		–		–		–
Other		2,889		2,840		28		2,868		3
Total consumer loans		134,682		66,153		47,645		113,798		8,995
FDIC-supported loans		353,195		47,736		65,188		112,924		6,642
Total	$	1,778,810	$	684,394	$	560,012	$	1,244,406	$	48,064

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

	March 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	$	288	$	5,988	$	–	$	3,831	$	28,663	$	20,615	$	59,385
Owner occupied		1,334		14,560		–		5,739		4,350		10,354		36,337
Total commercial		1,622		20,548		–		9,570		33,013		30,969		95,722
Commercial real estate:
Construction and land development		1,055		32,561		–		–		28,557		27,881		90,054
Term		1,897		22,803		3,011		24,879		23,922		88,933		165,445
Total commercial real estate		2,952		55,364		3,011		24,879		52,479		116,814		255,499
Consumer:
Home equity credit line		194		–		–		–		–		28		222
1-4 family residential		2,297		1,945		1,065		–		6,269		36,002		47,578
Construction and other consumer real estate		159		411		–		–		654		1,309		2,533
Total consumer loans		2,650		2,356		1,065		–		6,923		37,339		50,333
Total accruing		7,224		78,268		4,076		34,449		92,415		185,122		401,554
Nonaccruing
Commercial:
Commercial and industrial		3,227		6,126		4,654		588		15,318		13,870		43,783
Leasing		–		–		–		–		–		249		249
Owner occupied		5,487		1,152		700		9,035		10,248		17,094		43,716
Total commercial		8,714		7,278		5,354		9,623		25,566		31,213		87,748
Commercial real estate:
Construction and land development		24,970		8,906		11		–		16,092		32,136		82,115
Term		4,583		44		–		4,884		20,072		55,454		85,037
Total commercial real estate		29,553		8,950		11		4,884		36,164		87,590		167,152
Consumer:
Home equity credit line		–		–		–		–		–		64		64
1-4 family residential		1,368		83		312		–		951		15,721		18,435
Construction and other consumer real estate		16		1,874		–		–		–		1,380		3,270
Total consumer loans		1,384		1,957		312		–		951		17,165		21,769
Total nonaccruing		39,651		18,185		5,677		14,507		62,681		135,968		276,669
Total	$	46,875	$	96,453	$	9,753	$	48,956	$	155,096	$	321,090	$	678,223

	December 31, 2011
	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	$	302	$	7,727	$	–	$	1,955	$	27,370	$	4,517	$	41,871
Owner occupied		1,875		15,224		37		1,008		5,504		20,449		44,097
Total commercial		2,177		22,951		37		2,963		32,874		24,966		85,968
Commercial real estate:
Construction and land development		644		33,284		565		–		28,911		34,862		98,266
Term		2,738		33,885		3,027		23,640		54,031		95,868		213,189
Total commercial real estate		3,382		67,169		3,592		23,640		82,942		130,730		311,455
Consumer:
Home equity credit line		–		–		–		–		32		–		32
1-4 family residential		3,270		1,663		525		–		6,103		34,839		46,400
Construction and other consumer real estate		166		1,444		–		–		635		1,981		4,226
Other		–		28		–		–		–		–		28
Total consumer loans		3,436		3,135		525		–		6,770		36,820		50,686
Total accruing		8,995		93,255		4,154		26,603		122,586		192,516		448,109
Nonaccruing
Commercial:
Commercial and industrial		3,526		6,094		–		1,429		8,384		10,202		29,635
Owner occupied		4,464		1,101		715		6,575		17,070		10,300		40,225
Total commercial		7,990		7,195		715		8,004		25,454		20,502		69,860
Commercial real estate:
Construction and land development		15,088		3,348		19		2,060		7,441		94,502		122,458
Term		3,445		50		–		4,250		4,724		65,316		77,785
Total commercial real estate		18,533		3,398		19		6,310		12,165		159,818		200,243
Consumer:
Home equity credit line		195		–		–		–		253		69		517
1-4 family residential		1,386		85		939		718		1,391		18,476		22,995
Construction and other consumer real estate		18		1,837		–		–		–		355		2,210
Total consumer loans		1,599		1,922		939		718		1,644		18,900		25,722
Total nonaccruing		28,122		12,515		1,673		15,032		39,263		199,220		295,825
Total	$	37,117	$	105,770	$	5,827	$	41,635	$	161,849	$	391,736	$	743,934

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.

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

(In thousands)	Three Months Ended March 31, 2012			Year Ended December 31, 2011
Commercial:
Commercial and industrial	$	(15	)	$	(46	)
Owner occupied		(377	)		(1,650	)
Total commercial		(392	)		(1,696	)
Commercial real estate:
Construction and land development		(219	)		(244	)
Term		(1,546	)		(7,096	)
Total commercial real estate		(1,765	)		(7,340	)
Consumer:
Home equity credit line		(15	)		–
1-4 family residential		(3,849	)		(10,188	)
Construction and other consumer real estate		(108	)		(406	)
Total consumer loans		(3,972	)		(10,594	)
Total decrease to interest income	$	(6,129	)1	$	(19,630	)1

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

Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings

(In thousands)	March 31, 2012						December 31, 2011
	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	–	$	249	$	249	$	35	$	1,700	$	1,735
Owner occupied		–		1,314		1,314		–		441		441
Total commercial		–		1,563		1,563		35		2,141		2,176
Commercial real estate:
Construction and land development		–		–		–		–		11,667		11,667
Term		–		1,555		1,555		–		5,971		5,971
Total commercial real estate		–		1,555		1,555		–		17,638		17,638
Consumer:
1-4 family residential		–		526		526		–		2,745		2,745
Total consumer loans		–		526		526		–		2,745		2,745
Total	$	–	$	3,644	$	3,644	$	35	$	22,524	$	22,559

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

(In thousands)	March 31, 2012		December 31, 2011
Commercial	$	307,357	$	321,515
Commercial real estate		486,519		556,197
Consumer		50,496		57,391
Outstanding balance	$	844,372	$	935,103
Carrying amount	$	619,664	$	672,159
ALLL		19,729		21,604
Carrying amount, net	$	599,935	$	650,555

Schedule Of Changes In The Accretable Yield For PCI Loans

(In thousands)	Three Months Ended March 31,
	2012			2011
Balance at beginning of period	$	184,679		$	277,005
Accretion		(21,533	)		(31,443	)
Reclassification from nonaccretable difference		13,869			23,392
Disposals and other		(3,011	)		2,782
Balance at end of period	$	174,004		$	271,736

Schedule Of Changes In The FDIC Indemnification Asset

(In thousands)	Three Months Ended March 31,
	2012			2011
Balance at beginning of period	$	133,810		$	195,516
Amounts filed with the FDIC and collected or in process		(1,293	)		(6,507	)
Net change in asset balance due to reestimation of projected cash flows 1		(11,185	)		(16,839	)
Balance at end of period	$	121,332		$	172,170

Note: Beginning in the latter half of 2011, the FDIC changed its reimbursement process to require that submitted expenses must be paid, not just incurred, to qualify for reimbursement.

¹  Negative amounts result from the accretion of loan balances based on increases in cash flow estimates on the underlying indemnified loans.