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Reserve for Loan and Lease Losses (Tables)
 9 Months Ended
Sep. 30, 2012
Reserve for Loan and Lease Losses  
Schedule of changes in reserve for loan and lease losses, segregated by class

Changes in the reserve for loan and lease losses, segregated by class, for the three months ended September 30, 2012 and 2011 are shown below.

 

 

 

 

 

Auto, light truck

 

 

 

 

 

Construction

 

 

 

 

 

 

 

 

 

 

 

Commercial and

 

and environmental

 

Medium and

 

Aircraft

 

equipment

 

Commercial

 

Residential

 

Consumer

 

 

 

(Dollars in thousands) 

 

agricultural loans

 

equipment

 

heavy duty truck

 

financing

 

financing

 

real estate

 

real estate

 

loans

 

Total

 

September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

13,077

 

$

10,300

 

$

3,618

 

$

29,871

 

$

6,330

 

$

15,172

 

$

3,521

 

$

1,410

 

$

83,299

 

Charge-offs

 

214

 

210

 

—

 

461

 

1

 

132

 

159

 

311

 

1,488

 

Recoveries

 

60

 

356

 

125

 

163

 

149

 

91

 

4

 

90

 

1,038

 

Net charge-offs (recoveries)

 

154

 

(146

)

(125

)

298

 

(148

)

41

 

155

 

221

 

450

 

Provision (recovery of provision)

 

433

 

(496

)

(377

)

1,427

 

(585

)

(99

)

74

 

273

 

650

 

Balance, end of period

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

878

 

$

500

 

$

—

 

$

886

 

$

—

 

$

49

 

$

—

 

$

—

 

$

2,313

 

Ending balance, collectively evaluated for impairment

 

12,478

 

9,450

 

3,366

 

30,114

 

5,893

 

14,983

 

3,440

 

1,462

 

81,186

 

Total reserve for loan and lease losses

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

9,148

 

$

2,233

 

$

322

 

$

5,734

 

$

4,355

 

$

22,524

 

$

103

 

$

—

 

$

44,419

 

Ending balance, collectively evaluated for impairment

 

575,848

 

454,432

 

167,387

 

680,066

 

271,915

 

526,397

 

436,806

 

111,143

 

3,223,994

 

Total recorded investement in loans

 

$

584,996

 

$

456,665

 

$

167,709

 

$

685,800

 

$

276,270

 

$

548,921

 

$

436,909

 

$

111,143

 

$

3,268,413

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

16,814

 

$

9,041

 

$

4,584

 

$

28,561

 

$

6,802

 

$

15,400

 

$

2,657

 

$

1,151

 

$

85,010

 

Charge-offs

 

152

 

10

 

—

 

2,073

 

—

 

72

 

37

 

341

 

2,685

 

Recoveries

 

118

 

78

 

1

 

96

 

144

 

50

 

19

 

119

 

625

 

Net charge-offs (recoveries)

 

34

 

(68

)

(1

)

1,977

 

(144

)

22

 

18

 

222

 

2,060

 

Provision (recovery of provision)

 

(2,056

)

(908

)

(1,217

)

4,482

 

(691

)

1,397

 

44

 

209

 

1,260

 

Balance, end of period

 

$

14,724

 

$

8,201

 

$

3,368

 

$

31,066

 

$

6,255

 

$

16,775

 

$

2,683

 

$

1,138

 

$

84,210

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

1,488

 

$

5

 

$

161

 

$

3,120

 

$

—

 

$

1,060

 

$

—

 

$

—

 

$

5,834

 

Ending balance, collectively evaluated for impairment

 

13,236

 

8,196

 

3,207

 

27,946

 

6,255

 

15,715

 

2,683

 

1,138

 

78,376

 

Total reserve for loan and lease losses

 

$

14,724

 

$

8,201

 

$

3,368

 

$

31,066

 

$

6,255

 

$

16,775

 

$

2,683

 

$

1,138

 

$

84,210

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

10,491

 

$

1,109

 

$

3,584

 

$

13,241

 

$

3,780

 

$

23,814

 

$

—

 

$

—

 

$

56,019

 

Ending balance, collectively evaluated for impairment

 

546,901

 

441,018

 

149,119

 

600,465

 

256,461

 

532,473

 

404,063

 

96,775

 

3,027,275

 

Total recorded investement in loans

 

$

557,392

 

$

442,127

 

$

152,703

 

$

613,706

 

$

260,241

 

$

556,287

 

$

404,063

 

$

96,775

 

$

3,083,294

 

 

Changes in the reserve for loan and lease losses, segregated by class, for the nine months ended September 30, 2012 and 2011 are

shown below.

 

 

 

 

 

Auto, light truck

 

 

 

 

 

Construction

 

 

 

 

 

 

 

 

 

 

 

Commercial and 

 

and environmental

 

Medium and 

 

Aircraft 

 

equipment

 

Commercial

 

Residential 

 

Consumer

 

 

 

(Dollars in thousands) 

 

agricultural loans

 

equipment

 

heavy duty truck

 

financing

 

financing

 

real estate

 

real estate

 

loans

 

Total

 

September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

13,091

 

$

8,469

 

$

3,742

 

$

28,626

 

$

6,295

 

$

16,772

 

$

3,362

 

$

1,287

 

$

81,644

 

Charge-offs

 

486

 

3,110

 

—

 

600

 

120

 

274

 

232

 

1,106

 

5,928

 

Recoveries

 

224

 

1,214

 

147

 

484

 

233

 

170

 

38

 

314

 

2,824

 

Net charge-offs (recoveries)

 

262

 

1,896

 

(147

)

116

 

(113

)

104

 

194

 

792

 

3,104

 

Provision (recovery of provision)

 

527

 

3,377

 

(523

)

2,490

 

(515

)

(1,636

)

272

 

967

 

4,959

 

Balance, end of period

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

878

 

$

500

 

$

—

 

$

886

 

$

—

 

$

49

 

$

—

 

$

—

 

$

2,313

 

Ending balance, collectively evaluated for impairment

 

12,478

 

9,450

 

3,366

 

30,114

 

5,893

 

14,983

 

3,440

 

1,462

 

81,186

 

Total reserve for loan and lease losses

 

$

13,356

 

$

9,950

 

$

3,366

 

$

31,000

 

$

5,893

 

$

15,032

 

$

3,440

 

$

1,462

 

$

83,499

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

9,148

 

$

2,233

 

$

322

 

$

5,734

 

$

4,355

 

$

22,524

 

$

103

 

$

—

 

$

44,419

 

Ending balance, collectively evaluated for impairment

 

575,848

 

454,432

 

167,387

 

680,066

 

271,915

 

526,397

 

436,806

 

111,143

 

3,223,994

 

Total recorded investement in loans

 

$

584,996

 

$

456,665

 

$

167,709

 

$

685,800

 

$

276,270

 

$

548,921

 

$

436,909

 

$

111,143

 

$

3,268,413

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

September 30, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Reserve for loan and lease losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$

20,544

 

$

7,542

 

$

5,768

 

$

29,811

 

$

8,439

 

$

11,177

 

$

2,518

 

$

1,075

 

$

86,874

 

Charge-offs

 

1,109

 

335

 

—

 

3,701

 

853

 

2,537

 

191

 

1,193

 

9,919

 

Recoveries

 

1,734

 

148

 

2

 

860

 

242

 

336

 

53

 

355

 

3,730

 

Net charge-offs (recoveries)

 

(625

)

187

 

(2

)

2,841

 

611

 

2,201

 

138

 

838

 

6,189

 

Provision (recovery of provision)

 

(6,445

)

846

 

(2,402

)

4,096

 

(1,573

)

7,799

 

303

 

901

 

3,525

 

Balance, end of period

 

$

14,724

 

$

8,201

 

$

3,368

 

$

31,066

 

$

6,255

 

$

16,775

 

$

2,683

 

$

1,138

 

$

84,210

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

1,488

 

$

5

 

$

161

 

$

3,120

 

$

—

 

$

1,060

 

$

—

 

$

—

 

$

5,834

 

Ending balance, collectively evaluated for impairment

 

13,236

 

8,196

 

3,207

 

27,946

 

6,255

 

15,715

 

2,683

 

1,138

 

78,376

 

Total reserve for loan and lease losses

 

$

14,724

 

$

8,201

 

$

3,368

 

$

31,066

 

$

6,255

 

$

16,775

 

$

2,683

 

$

1,138

 

$

84,210

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Recorded investment in loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance, individually evaluated for impairment

 

$

10,491

 

$

1,109

 

$

3,584

 

$

13,241

 

$

3,780

 

$

23,814

 

$

—

 

$

—

 

$

         56,019

 

Ending balance, collectively evaluated for impairment

 

546,901

 

441,018

 

149,119

 

600,465

 

256,461

 

532,473

 

404,063

 

96,775

 

3,027,275

 

Total recorded investement in loans

 

$

557,392

 

$

442,127

 

$

152,703

 

$

613,706

 

$

260,241

 

$

556,287

 

$

404,063

 

$

96,775

 

$

3,083,294