Loans And Allowance For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Loans outstanding, by classification, at December 31, 2012 and 2011 are summarized below.



	December 31,
(in thousands)	2012			2011
Investment properties	$	4,376,118		4,557,313
1-4 family properties	1,279,105			1,618,484
Land acquisition	794,229			1,094,821
Total commercial real estate	6,449,452			7,270,618
Commercial and industrial	9,101,514			8,941,274
Home equity lines	1,542,397			1,619,585
Consumer mortgages	1,394,248			1,411,749
Credit cards	263,561			273,098
Small business	516,349			300,332
Other retail loans	294,542			275,143
Total retail	4,011,097			3,879,907
Total loans	19,562,063			20,091,799
Deferred fees and costs, net	(20,373		)	(11,986	)
Total loans, net of deferred fees and costs	$	19,541,690		20,079,813

Schedule of Current, Accruing Past Due, and Nonaccrual Loans

The following is a summary of current, accruing past due, and non-accrual loans by class as of December 31, 2012 and 2011.



Current, Accruing Past Due, and Non-accrual Loans
	December 31, 2012
( in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,278,016	5,436	798	6,234	91,868	4,376,118
1-4 family properties	1,193,433		13,053	41	13,094	72,578	1,279,105
Land acquisition	599,034		3,422	298	3,720	191,475	794,229
Total commercial real estate	6,070,483		21,911	1,137	23,048	355,921	6,449,452
Commercial and industrial	8,944,121		33,526	906	34,432	122,961	9,101,514
Home equity lines	1,515,396		9,555	705	10,260	16,741	1,542,397
Consumer mortgages	1,332,369		21,961	1,288	23,249	38,630	1,394,248
Credit cards	258,698		2,450	2,413	4,863	—	263,561
Small business	505,526		4,935	338	5,273	5,550	516,349
Other retail loans	287,312		3,676	24	3,700	3,530	294,542
Total retail	3,899,301		42,577	4,768	47,345	64,451	4,011,097
Total loans	$	18,913,905	98,014	6,811	104,825	543,333	19,562,063

	December 31, 2011
( in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	4,450,627		10,866	54	10,920	95,766	4,557,313
1-4 family properties	1,396,778		23,480	642	24,122	197,584	1,618,484
Land acquisition	855,021		5,299	350	5,649	234,151	1,094,821
Total commercial real estate	6,702,426		39,645	1,046	40,691	527,501	7,270,618
Commercial and industrial	8,618,813		49,826	5,035	54,861	267,600	8,941,274
Home equity lines	1,581,469		12,893	664	13,557	24,559	1,619,585
Consumer mortgages	1,326,411		23,213	5,130	28,343	56,995	1,411,749
Credit cards	267,511		3,113	2,474	5,587	—	273,098
Small business	293,169		3,255	146	3,401	3,762	300,332
Other retail loans	269,537		2,977	25	3,002	2,604	275,143
Total retail	3,738,097		45,451	8,439	53,890	87,920	3,879,907
Total loans	19,059,336		134,922	14,520	149,442	883,021	20,091,799

Loan Portfolio Credit Exposure

In the following tables, retail loans are classified as pass except when a retail loan reaches 90 days past due, it is downgraded to substandard, and upon reaching 120 days past due, it is downgraded to loss and charged off, in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.



Loan Portfolio Credit Exposure by Risk Grade
	December 31, 2012
(in thousands)	Pass		Special Mention	Substandard⁽¹⁾	Doubtful⁽²⁾	Loss		Total
Investment properties	$	3,659,102	463,532	253,484	—	—		4,376,118
1-4 family properties	903,213		197,148	176,672	1,953	119	^{(2) (3)}	1,279,105
Land acquisition	416,822		143,685	227,761	5,961	—		794,229
Total commercial real estate	4,979,137		804,365	657,917	7,914	119	^{(2) (3)}	6,449,452
Commercial and industrial	8,069,049		572,591	447,955	11,819	100	^{(2) (3)}	9,101,514
Home equity lines	1,511,729		—	29,094	—	1,574	^{(2) (4)}	1,542,397
Consumer mortgages	1,355,644		—	38,023	—	581	^{(2) (4)}	1,394,248
Credit cards	260,194		—	1,776	—	1,591	⁽⁴⁾	263,561
Small business	504,491		—	10,563	—	1,295	^{(2) (4)}	516,349
Other retail loans	288,944		—	5,379	—	219	^{(2) (4)}	294,542
Total retail	3,921,002		—	84,835	—	5,260		4,011,097
Total loans	$	16,969,188	1,376,956	1,190,707	19,733	5,479		19,562,063

	December 31, 2011
(in thousands)	Pass		Special Mention	Substandard⁽¹⁾	Doubtful⁽²⁾	Loss		Total
Investment properties	3,443,363		778,009	328,402	7,539	—		4,557,313
1-4 family properties	977,083		269,152	361,210	11,039	—		1,618,484
Land acquisition	500,359		132,799	456,010	5,653	—		1,094,821
Total commercial real estate	4,920,805		1,179,960	1,145,622	24,231	—		7,270,618
Commercial and industrial	7,265,761		909,255	754,934	11,324	—		8,941,274
Home equity lines	1,578,938		—	39,811	—	836	⁽²⁾⁽⁴⁾	1,619,585
Consumer mortgages	1,344,648		—	66,478	—	623	⁽²⁾⁽⁴⁾	1,411,749
Credit cards	270,624		—	948	—	1,526	⁽⁴⁾	273,098
Small business	294,048		—	5,978	—	306	⁽²⁾⁽⁴⁾	300,332
Other retail loans	268,575		—	6,371	—	197	⁽²⁾⁽⁴⁾	275,143
Total retail	3,756,833		—	119,586	—	3,488		3,879,907
Total loans	15,943,399		2,089,215	2,020,142	35,555	3,488		20,091,799


⁽¹⁾	Includes $518.1 million and $844.0 million of non-accrual substandard loans at December 31, 2012 and December 31, 2011, respectively.

⁽²⁾ The loans within these risk grades are on non-accrual status.

⁽³⁾ Amount was fully reserved at December 31, 2012 and was charged-off during the first quarter of 2013.

⁽⁴⁾Represent amounts that were 120 days past due. These credits are downgraded to the loss category with an allowance for loan losses equal to the full loan amount and are charged off in the subsequent quarter.

Schedule of Allowances for Loan Losses and Recorded Investment in Loans

The following table details the change in the allowance for loan losses by loan segment for the years ended December 31, 2012 and 2011.



Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Year Ended December 31, 2012
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses
Beginning balance	$	249,094		184,888		54,514		47,998		536,494
Charge-offs	(316,699		)	(181,099	)	(58,977	)	—		(556,775	)
Recoveries	36,576			27,395		9,346		—		73,317
Provision for loan losses	198,955			95,663		45,749		(19,998	)	320,369
Ending balance	167,926			126,847		50,632		28,000		373,405
Ending balance: individually evaluated for impairment	58,948			24,494		1,333		—		84,775
Loans
Ending balance: total loans	6,449,452			9,101,514		4,011,097		—		19,562,063
Ending balance: individually evaluated for impairment	$	685,078		310,543		66,899		—		1,062,520

	As Of and For The Year Ended December 31, 2011
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses
Beginning balance	353,923			222,058		43,478		84,088		703,547
Charge-offs	(384,297		)	(176,134	)	(79,283	)	—		(639,714	)
Recoveries	25,604			19,204		9,058		—		53,866
Provision for loan losses	253,864			119,760		81,261		(36,090	)	418,795
Ending balance	249,094			184,888		54,514		47,998		536,494
Ending balance: individually evaluated for impairment	64,447			42,596		2,441		—		109,484
Loans
Ending balance: total loans	7,270,618			8,941,274		3,879,907		—		20,091,799
Ending balance: individually evaluated for impairment	870,157			384,299		53,116		—		1,307,572

	As Of and For The Year Ended December 31, 2010
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses
Beginning balance	596,458			209,033		57,312		80,922		943,725
Charge-offs	(1,013,526		)	(287,261	)	(117,136	)	—		(1,417,923	)
Recoveries	22,068			15,812		8,591		—		46,471
Provision for loan losses	748,923			284,474		94,711		3,166		1,131,274
Ending balance	353,923			222,058		43,478		84,088		703,547
Ending balance: individually evaluated for impairment	53,966			30,222		1,051		—		85,239
Loans
Ending balance: total loans	8,380,580			9,264,811		3,950,808		—		21,596,199
Ending balance: individually evaluated for impairment	809,577			275,055		15,882		—		1,100,514

Schedule of Impaired Loans

Below is a detailed summary of impaired loans (including accruing TDRs) by class as of December 31, 2012 and 2011.



Impaired Loans (including accruing TDRs)	December 31, 2012
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	10,939	14,130	—	42,947	—
1-4 family properties	40,793		117,869	—	97,434	—
Land acquisition	59,697		125,023	—	158,015	—
Total commercial real estate	111,429		257,022	—	298,396	—
Commercial and industrial	31,181		51,433	—	68,710	—
Home equity lines	51		51	—	2,811	—
Consumer mortgages	1,247		2,263	—	3,706	—
Credit cards	—		—	—	—	—
Small business	—		—	—	—	—
Other retail loans	7		15	—	127	—
Total retail	1,305		2,329	—	6,644	—
Total	143,915		310,784	—	373,750	—
With allowance recorded
Investment properties	253,851		254,339	20,209	230,848	6,144
1-4 family properties	114,207		117,505	11,414	141,529	4,347
Land acquisition	205,591		205,601	27,325	97,173	2,018
Total commercial real estate	573,649		577,445	58,948	469,550	12,509
Commercial and industrial	279,362		289,578	24,494	299,865	8,576
Home equity lines	8,696		8,696	195	7,071	237
Consumer mortgages	48,992		48,992	880	38,204	1,300
Credit card	—		—	—	—	—
Small business	3,333		3,333	184	1,950	76
Other retail loans	4,573		4,573	74	3,251	167
Total retail	65,594		65,594	1,333	50,476	1,780
Total	918,605		932,617	84,775	819,891	22,865
Total
Investment properties	264,790		268,469	20,209	273,795	6,144
1-4 family properties	155,000		235,374	11,414	238,963	4,347
Land acquisition	265,288		330,624	27,325	255,188	2,018
Total commercial real estate	685,078		834,467	58,948	767,946	12,509
Commercial and industrial	310,543		341,011	24,494	368,575	8,576
Home equity lines	8,747		8,747	195	9,882	237
Consumer mortgages	50,239		51,255	880	41,910	1,300
Credit cards	—		—	—	—	—
Small business	3,333		3,333	184	1,950	76
Other retail loans	4,580		4,588	74	3,378	167
Total retail	66,899		67,923	1,333	57,120	1,780
Total impaired loans	$	1,062,520	1,243,401	84,775	1,193,641	22,865



	December 31, 2011
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	59,930	96,238	—	67,324	—
1-4 family properties	118,756		274,959	—	158,763	—
Land acquisition	196,823		295,562	—	174,590	—
Total commercial real estate	375,509		666,759	—	400,677	—
Commercial and industrial	65,357		117,468	—	74,995	—
Home equity lines	3,948		5,394	—	4,450	—
Consumer mortgages	4,970		6,293	—	3,907	—
Credit cards	—		—	—	—	—
Small business	—		—	—	—	—
Other retail loans	736		738	—	68	—
Total retail	9,654		12,425	—	8,425	—
Total	450,520		796,652	—	484,097	—
With allowance recorded
Investment properties	227,045		227,510	23,384	232,717	6,773
1-4 family properties	164,756		168,315	23,499	121,107	2,859
Land acquisition	102,847		118,868	17,564	97,054	2,136
Total commercial real estate	494,648		514,693	64,447	450,878	11,768
Commercial and industrial	318,942		324,623	42,596	244,801	5,888
Home equity lines	6,995		6,995	93	2,112	17
Consumer mortgages	34,766		32,455	2,306	20,331	660
Credit cards	—		—	—	—	—
Small business	156		156	4	132	4
Other retail loans	1,545		1,545	38	6,267	27
Total retail	43,462		41,151	2,441	28,842	708
Total	857,052		880,467	109,484	724,521	18,364
Total
Investment properties	286,975		323,748	23,384	300,041	6,773
1-4 family properties	283,512		443,274	23,499	279,870	2,859
Land acquisition	299,670		414,430	17,564	271,644	2,136
Total commercial real estate	870,157		1,181,452	64,447	851,555	11,768
Commercial and industrial	384,299		442,091	42,596	319,796	5,888
Home equity lines	10,943		12,389	93	6,562	17
Consumer mortgages	39,736		38,748	2,306	24,238	660
Credit cards	—		—	—	—	—
Small business	156		156	4	132	4
Other retail loans	2,281		2,283	38	6,335	27
Total retail	53,116		53,576	2,441	37,267	704
Total impaired loans	$	1,307,572	1,677,119	109,484	1,208,618	18,364

Troubled Debt Restructurings

The following tables represent the post-modification balance for loans modified or renewed during the years ended December 31, 2012 and 2011, respectively that were reported as accruing or non-accruing TDRs shown by type of concession.



TDRs by Concession Type
	Year Ended December 31, 2012
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	74	$	77	93,732	47,184	140,993
1-4 family properties	130	404		60,735	15,061	76,200
Land acquisition	78	—		62,585	21,394	83,979
Total commercial real estate	282	481		217,052	83,639	301,172
Commercial and industrial	186	35,058		83,997	36,465	155,520
Home equity lines	22	—		985	2,330	3,315
Consumer mortgages	326	—		10,202	21,794	31,996
Credit cards	—	—		—	—	—
Small business	40	—		1,055	3,470	4,525
Other retail loans	87	—		1,359	3,957	5,316
Total retail	475	—		13,601	31,551	45,152
Total loans	943	$	35,539	314,650	151,655	501,844	⁽¹⁾

⁽¹⁾As a result of these loans being reported as TDRs, there were net charge-offs of approximately $16 million recorded during 2012.



TDRs by Concession Type
	Year Ended December 31, 2011
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	83	$	18,575	127,578	45,774	191,927
1-4 family properties	88	—		92,942	62,312	155,254
Land acquisition	48	—		44,044	16,932	60,976
Total commercial real estate	219	18,575		264,564	125,018	408,157
Commercial and industrial	156	2,812		93,482	120,188	216,482
Home equity lines	9	—		75	352	427
Consumer mortgages	203	—		10,371	19,932	30,303
Credit cards	—	—		—	—	—
Small business	3	—		127	198	325
Other retail loans	15	—		3	744	747
Total retail	230	—		10,576	21,226	31.802
Total loans	605	$	21,387	368,622	266,432	656,441	⁽¹⁾

⁽¹⁾As a result of these loans being reported as TDRs, there were net charge-offs of approximately $21 million recorded during 2011.

Troubled Debt Restructurings that Subsequently Defaulted

The following table presents TDRs that defaulted in the years indicated and which were modified or renewed in a TDR within 12 months of the default date:



	Troubled Debt Restructurings Entered Into That Subsequently Defaulted⁽¹⁾During
	Year Ended December 31, 2012			Year Ended December 31, 2011
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	9	$	8,033	11	$	16,712
1-4 family properties	18	11,062		19	20,667
Land acquisition	17	31,782		31	37,070
Total commercial real estate	44	50,877		61	74,449
Commercial and industrial	19	14,314		30	38,750
Home equity lines	—	—		3	1,742
Consumer mortgages	11	3,224		12	2,492
Credit cards	—	—		—	—
Small business	4	444		—	—
Other retail loans	2	53		5	258
Total retail	17	3,721		20	4,492
Total loans	80	$	68,912	111	$	117,691


⁽¹⁾	Defaulted is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or obtaining 90 days past due with respect to principal and/or interest payments.

Summary of Loans to Executive Officers and Directors, Including Their Associates

The following is a summary of loans to executive officers and directors, including their associates, of Synovus and Synovus Bank, and the activity in these loans for the year ended December 31, 2012.



(in thousands)
Balance at December 31, 2011	$	55,003
New loans	90,532
Repayments	(71,400		)
Loans charged-off	—
Balance at December 31, 2012	$	74,135

- Definition

Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt.

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