Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

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

Schedule of Current, Accruing Past Due, and Nonaccrual Loans

The following is a summary of current, accruing past due, and non-accrual loans by portfolio class as of September 30, 2014 and December 31, 2013.



Current, Accruing Past Due, and Non-accrual Loans
	September 30, 2014
(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	$	4,978,360	1,565	142	1,707	38,979	5,019,046
1-4 family properties	1,098,574		9,759	103	9,862	29,118	1,137,554
Land acquisition	546,490		2,085	76	2,161	40,128	588,779
Total commercial real estate	6,623,424		13,409	321	13,730	108,225	6,745,379
Commercial, financial and agricultural	5,935,845		13,659	545	14,204	53,360	6,003,409
Owner-occupied	3,970,755		15,871	230	16,101	26,810	4,013,666
Total commercial and industrial	9,906,600		29,530	775	30,305	80,170	10,017,075
Home equity lines	1,658,917		9,656	524	10,180	16,875	1,685,972
Consumer mortgages	1,574,526		11,615	1,004	12,619	34,759	1,621,904
Credit cards	250,768		1,688	1,397	3,085	—	253,853
Other retail	288,086		2,747	46	2,793	2,353	293,232
Total retail	3,772,297		25,706	2,971	28,677	53,987	3,854,961
Total loans	$	20,302,321	68,645	4,067	72,712	242,382	20,617,415	⁽¹	⁾

	December 31, 2013
(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	$	4,546,439	3,552	40	3,592	66,454	4,616,485
1-4 family properties	1,144,447		6,267	527	6,794	33,819	1,185,060
Land acquisition	549,936		1,100	300	1,400	154,095	705,431
Total commercial real estate	6,240,822		10,919	867	11,786	254,368	6,506,976
Commercial, financial and agricultural	5,812,490		18,985	813	19,798	62,977	5,895,265
Owner-occupied	3,985,705		11,113	129	11,242	39,239	4,036,186
Total commercial and industrial	9,798,195		30,098	942	31,040	102,216	9,931,451
Home equity lines	1,564,578		4,919	136	5,055	17,908	1,587,541
Consumer mortgages	1,460,219		18,068	1,011	19,079	39,770	1,519,068
Credit cards	253,422		1,917	1,507	3,424	—	256,846
Other retail	280,524		2,190	26	2,216	2,038	284,778
Total retail	3,558,743		27,094	2,680	29,774	59,716	3,648,233
Total loans	$	19,597,760	68,111	4,489	72,600	416,300	20,086,660	⁽²	⁾

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $28.9 million.

Loan Portfolio Credit Exposure

In the following tables, retail loans and small business loans are generally assigned a risk grade similar to the classifications described above; however, upon reaching 90 days and 120 days past due, they are generally downgraded to Substandard and Loss, respectively, in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy. Additionally, in accordance with the Interagency Supervisory Guidance on Allowance for Loan and Lease Losses Estimation Practices for Loans and Lines of Credit Secured by Junior Liens on 1-4 Family Residential Properties, the risk grade classifications of retail loans (home equity lines and consumer mortgages) secured by junior liens on 1-4 family residential properties also consider available information on the payment status of the associated senior lien with other financial institutions.



Loan Portfolio Credit Exposure by Risk Grade
	September 30, 2014
(in thousands)	Pass		Special Mention	Substandard⁽¹⁾	Doubtful⁽²⁾	Loss		Total
Investment properties	$	4,687,315	197,501	134,230	—	—		5,019,046
1-4 family properties	925,346		99,686	104,994	7,528	—		1,137,554
Land acquisition	460,829		55,707	71,336	907	—		588,779
Total commercial real estate	6,073,490		352,894	310,560	8,435	—		6,745,379
Commercial, financial and agricultural	5,667,272		174,559	151,871	8,562	1,145	⁽³⁾	6,003,409
Owner-occupied	3,728,191		124,702	159,502	839	432	⁽³⁾	4,013,666
Total commercial and industrial	9,395,463		299,261	311,373	9,401	1,577		10,017,075
Home equity lines	1,661,751		—	19,239	2,090	2,892	⁽³⁾	1,685,972
Consumer mortgages	1,577,632		—	42,323	1,610	339	⁽³⁾	1,621,904
Credit cards	252,510		—	539	—	804	⁽⁴⁾	253,853
Other retail	289,713		—	3,383	32	104	⁽³⁾	293,232
Total retail	3,781,606		—	65,484	3,732	4,139		3,854,961
Total loans	$	19,250,559	652,155	687,417	21,568	5,716		20,617,415	⁽⁵	⁾

	December 31, 2013
(in thousands)	Pass		Special Mention	Substandard⁽¹⁾	Doubtful⁽²⁾	Loss		Total
Investment properties	$	4,197,368	249,890	167,503	1,724	—		4,616,485
1-4 family properties	920,392		126,715	129,599	8,062	292	⁽³⁾	1,185,060
Land acquisition	422,054		94,316	186,514	2,547	—		705,431
Total commercial real estate	5,539,814		470,921	483,616	12,333	292		6,506,976
Commercial, financial and agricultural	5,451,369		224,620	208,422	10,764	90	⁽³⁾	5,895,265
Owner-occupied	3,714,400		155,097	164,560	2,129	—		4,036,186
Total commercial and industrial	9,165,769		379,717	372,982	12,893	90		9,931,451
Home equity lines	1,559,272		—	25,177	1,314	1,778	⁽³⁾	1,587,541
Consumer mortgages	1,475,928		—	40,368	2,485	287	⁽³⁾	1,519,068
Credit cards	255,339		—	541	—	966	⁽⁴⁾	256,846
Other retail	281,179		—	3,400	75	124	⁽³⁾	284,778
Total retail	3,571,718		—	69,486	3,874	3,155		3,648,233
Total loans	$	18,277,301	850,638	926,084	29,100	3,537		20,086,660	₍₆	₎

⁽¹⁾ Includes $215.1 million and $383.7 million of non-accrual Substandard loans at September 30, 2014 and December 31, 2013, respectively.

⁽²⁾ The loans within this risk grade are on non-accrual status. Commercial loans generally have an allowance for loan losses in accordance with ASC 310, and retail loans generally have an allowance for loan losses equal to 50% of the loan amount.

⁽³⁾ The loans within this risk grade are on non-accrual status and have an allowance for loan losses equal to the full loan amount.

⁽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 generally charged off upon reaching 181 days past due in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.

⁽⁵⁾Total before net deferred fees and costs of $28.8 million.

⁽⁶⁾Total before net deferred fees and costs of

Schedule of Allowances for Loan Losses and Recorded Investment in Loans

The following table details the changes in the allowance for loan losses by loan segment for the nine months ended September 30, 2014 and 2013.



Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Nine Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	127,646		115,435		41,479		23,000		307,560
Allowance for loan losses of sold branches	(281		)	(398	)	(340	)	—		(1,019	)
Charge-offs	(41,139		)	(26,896	)	(19,082	)	—		(87,117	)
Recoveries	8,318			9,562		6,434		—		24,314
Provision (credit) for loan losses	7,445			27,140		14,053		(23,000	)	25,638
Ending balance	$	101,989		124,843		42,544		—		269,376
Ending balance: individually evaluated for impairment	22,107			15,863		1,195		—		39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980		41,349		—		230,211
Loans:
Ending balance: total loans⁽¹⁾	$	6,745,379		10,017,075		3,854,961		—		20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860		47,669		—		537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215		3,807,292		—		20,079,875

	As Of and For The Nine Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	167,926		138,495		38,984		28,000		373,405
Charge-offs	(73,825		)	(44,104	)	(27,359	)	—		(145,288	)
Recoveries	11,861			17,266		5,834		—		34,961
Provision (credit) for loan losses	31,221			7,462		21,851		(5,000	)	55,534
Ending balance	$	137,183		119,119		39,310		23,000		318,612
Ending balance: individually evaluated for impairment	50,737			25,194		2,120		—		78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925		37,190		23,000		240,561
Loans:
Ending balance: total loans⁽²⁾	$	6,458,518		9,705,425		3,572,669		—		19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764		53,061		—		881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661		3,519,608		—		18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

The following table details the changes in the allowance for loan losses by loan segment for the three months ended September 30, 2014 and 2013.



Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Three Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	104,394		130,814			42,575		—	277,783
Charge-offs	(5,233		)	(11,306		)	(6,222	)	—	(22,761	)
Recoveries	3,099			5,257			2,155		—	10,511
Provision for loan losses	(271		)	78			4,036		—	3,843
Ending balance	$	101,989		124,843			42,544		—	269,376
Ending balance: individually evaluated for impairment	22,107			15,863			1,195		—	39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980			41,349		—	230,211
Loans:
Ending balance: total loans⁽¹⁾	$	6,745,379		10,017,075			3,854,961		—	20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860			47,669		—	537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215			3,807,292		—	20,079,875

	As Of and For The Three Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	138,329		133,190			40,361		23,000	334,880
Charge-offs	(9,474		)	(13,871		)	(6,908	)	—	(30,253	)
Recoveries	2,766			2,152			2,306		—	7,224
Provision (credit) for loan losses	5,562			(2,352		)	3,551		—	6,761
Ending balance	$	137,183		$	119,119		39,310		23,000	318,612
Ending balance: individually evaluated for impairment	50,737			25,194			2,120		—	78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925			37,190		23,000	240,561
Loans:
Ending balance: total loans⁽²⁾	$	6,458,518		9,705,425			3,572,669		—	19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764			53,061		—	881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661			3,519,608		—	18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

Schedule of Impaired Loans

The allowance for loan losses continues to consist of an allocated component (which includes the qualitative factors noted above as well as the qualitative factors disclosed in Synovus' 2013 Form 10-K) and an unallocated component. Beginning March 31, 2014, the unallocated component relates to risk elements, if any, which are not already included in the allocated allowance.

The tables below summarize impaired loans (including accruing TDRs) as of September 30, 2014 and December 31, 2013.



Impaired Loans (including accruing TDRs)
	September 30, 2014				Nine Months Ended September 30, 2014		Three Months Ended September 30, 2014
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	33,849	46,096	—	24,949	—	33,167	—
1-4 family properties	4,386		12,251	—	5,984	—	4,151	—
Land acquisition	29,501		76,068	—	31,187	—	29,584	—
Total commercial real estate	67,736		134,415	—	62,120	—	66,902	—
Commercial, financial and agricultural	5,705		12,109	—	9,917	—	6,785	—
Owner-occupied	15,300		17,512	—	21,024	—	17,942	—
Total commercial and industrial	21,005		29,621	—	30,941	—	24,727	—
Home equity lines	—		—	—	—	—	—	—
Consumer mortgages	995		2,065	—	1,471	—	1,869	—
Credit cards	—		—	—	—	—	—	—
Other retail	—		—	—	—	—	—	—
Total retail	995		2,065	—	1,471	—	1,869	—
Total impaired loans with no related allowance recorded	$	89,736	166,101	—	94,532	—	93,498	—
With allowance recorded
Investment properties	117,707		119,560	6,621	141,128	3,034	118,729	961
1-4 family properties	83,797		84,588	10,694	99,038	2,209	87,829	613
Land acquisition	47,771		47,914	4,792	102,880	1,264	48,499	418
Total commercial real estate	249,275		252,062	22,107	343,046	6,507	255,057	1,992
Commercial, financial and agricultural	81,036		85,771	12,532	97,143	1,877	82,271	553
Owner-occupied	70,819		70,842	3,331	83,392	2,029	80,653	601
Total commercial and industrial	151,855		156,613	15,863	180,535	3,906	162,924	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	37,591		37,591	1,029	40,582	999	39,217	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	46,674		46,674	1,195	48,727	1,298	48,197	585
Total impaired loans with allowance recorded	$	447,804	455,349	39,165	572,308	11,711	466,178	3,731
Total impaired loans
Investment properties	$	151,556	165,656	6,621	166,077	3,034	151,896	961
1-4 family properties	88,183		96,839	10,694	105,022	2,209	91,980	613
Land acquisition	77,272		123,982	4,792	134,067	1,264	78,083	418
Total commercial real estate	317,011		386,477	22,107	405,166	6,507	321,959	1,992
Commercial, financial and agricultural	86,741		97,880	12,532	107,060	1,877	89,056	553
Owner-occupied	86,119		88,354	3,331	104,416	2,029	98,595	601
Total commercial and industrial	172,860		186,234	15,863	211,476	3,906	187,651	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	38,586		39,656	1,029	42,053	999	41,086	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	47,669		48,739	1,195	50,198	1,298	50,066	585
Total impaired loans	$	537,540	621,450	39,165	666,840	11,711	559,676	3,731



Impaired Loans (including accruing TDRs)
	December 31, 2013				Year Ended December 31, 2013
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	14,218	15,820	—	18,046	—
1-4 family properties	9,679		29,741	—	23,879	—
Land acquisition	30,595		78,470	—	41,007	—
Total commercial real estate	54,492		124,031	—	82,932	—
Commercial, financial and agricultural	13,490		22,312	—	15,355	—
Owner-occupied	24,839		32,626	—	22,472	—
Total commercial and industrial	38,329		54,938	—	37,827	—
Home equity lines	—		—	—	33	—
Consumer mortgages	1,180		2,840	—	1,487	—
Credit cards	—		—	—	—	—
Other retail	—		—	—	4	—
Total retail	1,180		2,840	—	1,524	—
Total impaired loans with no related allowance recorded	$	94,001	181,809	—	122,283	—
With allowance recorded
Investment properties	$	186,058	193,765	8,863	227,073	5,062
1-4 family properties	115,151		117,498	11,135	115,629	3,464
Land acquisition	183,029		202,048	26,789	191,807	2,931
Total commercial real estate	484,238		513,311	46,787	534,509	11,457
Commercial, financial and agricultural	115,532		120,290	15,559	128,680	3,630
Owner-occupied	89,001		94,869	4,459	107,949	3,656
Total commercial and industrial	204,533		215,159	20,018	236,629	7,286
Home equity lines	2,750		2,750	116	4,668	176
Consumer mortgages	44,019		44,019	967	48,674	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,555	285
Total retail	53,782		53,782	1,192	58,897	2,371
Total impaired loans with allowance recorded	$	742,553	782,252	67,997	830,035	21,114
Total impaired loans
Investment properties	$	200,276	209,585	8,863	245,119	5,062
1-4 family properties	124,830		147,239	11,135	139,508	3,464
Land acquisition	213,624		280,518	26,789	232,814	2,931
Total commercial real estate	538,730		637,342	46,787	617,441	11,457
Commercial, financial and agricultural	129,022		142,602	15,559	144,035	3,630
Owner-occupied	113,840		127,495	4,459	130,421	3,656
Total commercial and industrial	242,862		270,097	20,018	274,456	7,286
Home equity lines	2,750		2,750	116	4,701	176
Consumer mortgages	45,199		46,859	967	50,161	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,559	285
Total retail	54,962		56,622	1,192	60,421	2,371
Total impaired loans	$	836,554	964,061	67,997	952,318	21,114

Troubled Debt Restructurings

The following tables represent, by concession type, the post-modification balance for loans modified or renewed during the nine and three months ended September 30, 2014 and 2013 that were reported as accruing or non-accruing TDRs.



TDRs by Concession Type
	Nine Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	14	$	—	8,423	5,598	14,021
1-4 family properties	36	—		2,390	3,859	6,249
Land acquisition	15	2,338		4,721	2,688	9,747
Total commercial real estate	65	2,338		15,534	12,145	30,017
Commercial, financial and agricultural	68	60		7,639	16,977	24,676
Owner-occupied	14	—		22,178	14,392	36,570
Total commercial and industrial	82	60		29,818	31,369	61,247
Home equity lines	11	—		1,163	451	1,614
Consumer mortgages	13	—		2,296	315	2,611
Credit cards	—	—		—	—	—
Other retail	17	—		543	385	928
Total retail	41	—		4,002	1,151	5,153
Total TDRs	188	$	2,398	49,354	44,665	96,417	⁽¹	⁾

	Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	4	$	—	875	3,899	4,774
1-4 family properties	7	—		879	203	1,082
Land acquisition	3	2,338		204	646	3,188
Total commercial real estate	14	2,338		1,958	4,748	9,044
Commercial, financial and agricultural	28	60		3,098	5,280	8,438
Owner-occupied	2	—		2,703	130	2,833
Total commercial and industrial	30	60		5,802	5,410	11,272
Home equity lines	5	—		435	—	435
Consumer mortgages	5	—		543	212	755
Credit cards	—	—		—		—
Other retail	7	—		101	150	251
Total retail	17	—		1,079	362	1,441
Total TDRs	61	$	2,398	8,839	10,520	21,757	⁽²	⁾

⁽¹⁾Net charge-offs of $163 thousand were recorded during the nine months ended September 30, 2014 upon restructuring of these loans.

⁽²⁾Net charge-offs of $163 thousand were recorded during the three months ended September 30, 2014 upon restructuring of these loans.



TDRs by Concession Type
	Nine Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	44	—	121,263	4,372	125,635
1-4 family properties	99	424	28,863	8,629	37,916
Land acquisition	26	74	113,627	9,763	123,464
Total commercial real estate	169	498	263,753	22,764	287,015
Commercial, financial and agricultural	85	183	21,600	12,675	34,458
Owner-occupied	51	—	21,571	22,935	44,506
Total commercial and industrial	136	183	43,171	35,610	78,964
Home equity lines	1	—	—	80	80
Consumer mortgages	123	—	10,230	4,004	14,234
Credit cards	—	—	—	—	—
Other retail	56	—	879	1,424	2,303
Total retail	180	—	11,109	5,508	16,617
Total TDRs	485	681	318,033	63,882	382,596	⁽¹	⁾

	Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	13	—	74,111	—	74,111
1-4 family properties	41	—	4,832	2,133	6,965
Land acquisition	10	—	108,295	2,532	110,827
Total commercial real estate	64	—	187,238	4,665	191,903
Commercial, financial and agricultural	16	—	3,152	2,737	5,889
Owner-occupied	12	—	5,575	7,940	13,515
Total commercial and industrial	28	—	8,727	10,677	19,404
Home equity lines	—	—	—	—	—
Consumer mortgages	39	—	3,106	966	4,072
Credit cards	—	—	—	—	—
Other retail	18	—	419	396	815
Total retail	57	—	3,525	1,362	4,887
Total TDRs	149	—	199,490	16,704	216,194	⁽²	⁾

⁽¹⁾Net charge-offs of $199 thousand were recorded during the nine months ended September 30, 2013 upon restructuring of these loans.

⁽²⁾Net charge-offs of $146 thousand were recorded during the three months ended September 30, 2013 upon restructuring of these loans.

Troubled Debt Restructurings that Subsequently Defaulted

The following table presents TDRs that defaulted in the periods 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^*During
	Nine Months Ended September 30, 2014			Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	1	$	186	—	$	—
1-4 family properties	3	1,018		—	—
Land acquisition	1	428		—	—
Total commercial real estate	5	1,632		—	—
Commercial, financial and agricultural	4	1,559		2	181
Owner-occupied	—	—		—	—
Total commercial and industrial	4	1,559		2	181
Home equity lines	—	—		—	—
Consumer mortgages	3	206		2	136
Credit cards	—	—		—	—
Other retail	—	—		—	—
Total retail	3	206		2	136
Total TDRs	12	$	3,397	4	$	317

^*Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.



Troubled Debt Restructurings Entered Into That Subsequently Defaulted^* During
	Nine Months Ended September 30, 2013			Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	2	$	4,519	—	$	—
1-4 family properties	9	12,374		1	1,620
Land acquisition	1	126		—	—
Total commercial real estate	12	17,019		1	1,620
Commercial, financial and agricultural	3	409		—	—
Owner-occupied	2	924		—	—
Total commercial and industrial	5	1,333		—	—
Home equity lines	1	98		1	98
Consumer mortgages	15	1,195		2	217
Credit cards	—	—		—	—
Other retail	1	195		—	—
Total retail	17	1,488		3	315
Total TDRs	34	$	19,840	4	$	1,935

^*Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.