Loans (Tables)

9 Months Ended

Sep. 30, 2017

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule Of Loans By Portfolio Segment

The following table provides the balance of loans, net of unearned income, by portfolio segment as of September 30, 2017 and December 31, 2016:

	September 30		December 31
(Dollars in thousands)	2017		2016
Commercial:
Commercial, financial, and industrial	$	12,791,844	$	12,148,087
Commercial real estate	2,251,015		2,135,523
Consumer:
Consumer real estate (a)	4,369,717		4,523,752
Permanent mortgage	403,082		423,125
Credit card & other	350,433		359,033
Loans, net of unearned income	$	20,166,091	$	19,589,520
Allowance for loan losses	194,867		202,068
Total net loans	$	19,971,224	$	19,387,452

(a) Balances as of September 30, 2017 and December 31, 2016, include $26.2 million and $35.9 million of restricted real estate loans, respectively. See Note 13—Variable Interest Entities for additional information.

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Movement Schedule Rollforward [Table Text Block]

The following table presents a rollforward of the accretable yield for the three and nine months ended September 30, 2017 and 2016:

	Three Months Ended September 30						Nine months ended September 30
(Dollars in thousands)	2017			2016			2017			2016
Balance, beginning of period	$	4,045		$	6,171		$	6,871		$	8,542
Addition	—			2,883			—			2,883
Accretion	(642		)	(837		)	(2,412		)	(2,984		)
Adjustment for payoffs	(198		)	(179		)	(1,232		)	(4,408		)
Adjustment for charge-offs	—			—			—			(674		)
Adjustment for pool excess recovery (a)	—			—			(222		)	—
Increase/(decrease) in accretable yield (b)	(2		)	686			112			5,398
Other	—			—			86			(33		)
Balance, end of period	$	3,203		$	8,724		$	3,203		$	8,724

(a) Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.

(b) Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows.

Schedule Of Acquired Purchase Credit Impaired Loans By Portfolio Segment

The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of September 30, 2017 and December 31, 2016:

	September 30, 2017				December 31, 2016
(Dollars in thousands)	Carrying value		Unpaid balance		Carrying value		Unpaid balance
Commercial, financial and industrial	$	17,903	$	21,239	$	40,368	$	41,608
Commercial real estate	3,842		4,933		4,763		6,514
Consumer real estate	940		1,259		1,172		1,677
Credit card and other	—		—		52		64
Total	$	22,685	$	27,431	$	46,355	$	49,863

Information By Class Related To Individually Impaired Loans

The following tables provide information at September 30, 2017 and December 31, 2016, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPs valuation allowance have been excluded.

	September 30, 2017						December 31, 2016
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	2,055	$	10,769	$	—	$	10,419	$	16,636	$	—
Income CRE	—		—		—		—		—		—
Total	$	2,055	$	10,769	$	—	$	10,419	$	16,636	$	—
Consumer:
HELOC (a)	$	10,513	$	20,372	$	—	$	11,383	$	21,662	$	—
R/E installment loans (a)	4,431		5,135		—		3,957		4,992		—
Permanent mortgage (a)	5,481		7,604		—		5,311		7,899		—
Total	$	20,425	$	33,111	$	—	$	20,651	$	34,553	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	26,876	$	27,345	$	5,970	$	34,334	$	34,470	$	3,294
TRUPS	3,097		3,700		925		3,209		3,700		925
Income CRE	1,525		1,525		43		1,831		2,209		62
Residential CRE	795		1,263		83		1,293		1,761		132
Total	$	32,293	$	33,833	$	7,021	$	40,667	$	42,140	$	4,413
Consumer:
HELOC	$	74,009	$	76,587	$	14,174	$	84,711	$	87,126	$	15,927
R/E installment loans	46,905		47,708		9,762		53,409		54,559		12,875
Permanent mortgage	78,600		90,003		12,601		88,615		100,983		12,470
Credit card & other	544		544		246		306		306		133
Total	$	200,058	$	214,842	$	36,783	$	227,041	$	242,974	$	41,405
Total commercial	$	34,348	$	44,602	$	7,021	$	51,086	$	58,776	$	4,413
Total consumer	$	220,483	$	247,953	$	36,783	$	247,692	$	277,527	$	41,405
Total impaired loans	$	254,831	$	292,555	$	43,804	$	298,778	$	336,303	$	45,818

(a) All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.

	Three Months Ended September 30								Nine months ended September 30
	2017				2016				2017				2016
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	5,771	$	—	$	13,708	$	—	$	8,706	$	—	$	12,088	$	—
Income CRE	—		—		1,234		—		—		—		2,057		—
Total	$	5,771	$	—	$	14,942	$	—	$	8,706	$	—	$	14,145	$	—
Consumer:
HELOC (a)	$	10,225	$	—	$	11,273	$	—	$	10,536	$	—	$	11,100	$	—
R/E installment loans (a)	4,182		—		4,158		—		4,014		—		4,333		—
Permanent mortgage (a)	5,693		—		4,280		—		5,701		—		4,292		—
Total	$	20,100	$	—	$	19,711	$	—	$	20,251	$	—	$	19,725	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	26,144	$	193	$	33,433	$	289	$	29,136	$	597	$	29,896	$	668
TRUPS	3,117		—		3,258		—		3,157		—		3,291		—
Income CRE	1,628		11		3,211		15		1,737		39		4,376		55
Residential CRE	1,044		—		1,355		5		1,210		10		1,376		17
Total	$	31,933	$	204	$	41,257	$	309	$	35,240	$	646	$	38,939	$	740
Consumer:
HELOC	$	74,894	$	554	$	87,919	$	546	$	78,859	$	1,695	$	88,266	$	1,527
R/E installment loans	47,628		315		57,775		357		49,634		950		58,890		1,019
Permanent mortgage	79,305		616		90,697		544		82,186		1,805		92,716		1,602
Credit card & other	452		3		348		4		351		8		353		10
Total	$	202,279	$	1,488	$	236,739	$	1,451	$	211,030	$	4,458	$	240,225	$	4,158
Total commercial	$	37,704	$	204	$	56,199	$	309	$	43,946	$	646	$	53,084	$	740
Total consumer	$	222,379	$	1,488	$	256,450	$	1,451	$	231,281	$	4,458	$	259,950	$	4,158
Total impaired loans	$	260,083	$	1,692	$	312,649	$	1,760	$	275,227	$	5,104	$	313,034	$	4,898

(a) All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.

Balances Of Commercial Loan Portfolio Classes, Disaggregated By PD Grade

The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of September 30, 2017 and December 31, 2016:

	September 30, 2017
(Dollars in thousands)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percentage of Total		Allowance for Loan Losses
PD Grade:
1	$	583,818	$	—	$	—	$	1,832	$	—	$	585,650	4	%	$	81
2	905,992		—		—		3,777		112		909,881		6		385
3	500,056		643,772		—		156,694		—		1,300,522		9		277
4	1,026,592		578,566		—		295,781		212		1,901,151		13		955
5	1,460,107		211,846		—		443,751		2,053		2,117,757		14		7,697
6	1,519,911		362,685		—		413,342		6,114		2,302,052		14		9,857
7	1,705,394		60,135		—		446,493		8,372		2,220,394		14		13,297
8	1,042,209		34,623		—		259,813		4,908		1,341,553		9		20,963
9	556,662		60,954		—		66,082		4,276		687,974		5		11,376
10	395,187		—		—		31,570		6,558		433,315		3		8,502
11	217,190		13,548		—		24,878		4,819		260,435		2		6,730
12	185,929		—		—		10,798		2,709		199,436		1		7,065
13	142,729		—		304,236		38,979		91		486,035		3		6,927
14,15,16	226,924		26		—		10,062		819		237,831		2		23,974
Collectively evaluated for impairment	10,468,700		1,966,155		304,236		2,203,852		41,043		14,983,986		99		118,086
Individually evaluated for impairment	28,931		—		3,097		1,525		795		34,348		1		7,021
Purchased credit-impaired loans	20,725		—		—		3,792		8		24,525		—		2,781
Total commercial loans	$	10,518,356	$	1,966,155	$	307,333	$	2,209,169	$	41,846	$	15,042,859	100	%	$	127,888

	December 31, 2016
(Dollars in thousands)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percentage of Total		Allowance for Loan Losses
PD Grade:
1	$	465,179	$	—	$	—	$	1,078	$	—	$	466,257	3	%	$	77
2	791,183		—		—		11,742		87		803,012		6		403
3	491,386		462,486		—		153,670		—		1,107,542		8		304
4	978,282		332,107		—		222,422		—		1,532,811		11		953
5	1,232,401		275,209		—		365,653		702		1,873,965		13		6,670
6	1,540,519		614,109		—		338,344		9,338		2,502,310		17		10,403
7	1,556,117		317,283		—		352,390		2,579		2,228,369		16		14,010
8	963,359		30,974		—		425,503		2,950		1,422,786		10		25,986
9	611,774		4,299		—		105,277		4,417		725,767		5		13,857
10	355,359		8,663		—		50,484		9,110		423,616		3		8,400
11	238,230		—		—		20,600		6,541		265,371		2		6,556
12	170,531		—		—		15,395		4,168		190,094		1		6,377
13	121,276		—		304,236		6,748		311		432,571		3		4,225
14,15,16	194,572		59		—		16,313		1,659		212,603		1		20,297
Collectively evaluated for impairment	9,710,168		2,045,189		304,236		2,085,619		41,862		14,187,074		99		118,518
Individually evaluated for impairment	44,753		—		3,209		1,831		1,293		51,086		1		4,413
Purchased credit-impaired loans	40,532		—		—		4,583		335		45,450		—		319
Total commercial loans	$	9,795,453	$	2,045,189	$	307,445	$	2,092,033	$	43,490	$	14,283,610	100	%	$	123,250

(a) Balances as of September 30, 2017 and December 31, 2016, presented net of a $25.5 million valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is “13”.

Loans by FICO Score, Consumer

The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of September 30, 2017 and December 31, 2016:

	September 30, 2017						December 31, 2016
	HELOC		R/E Installment Loans		Permanent Mortgage		HELOC		R/E Installment Loans		Permanent Mortgage
FICO score 740 or greater	58.5	%	71.8	%	45.1	%	56.9	%	70.3	%	45.0	%
FICO score 720-739	8.8		8.1		12.8		8.8		8.3		9.5
FICO score 700-719	8.2		6.6		11.0		8.6		6.8		9.2
FICO score 660-699	12.1		8.4		15.3		13.2		8.4		17.1
FICO score 620-659	5.6		2.7		7.0		5.6		3.5		9.1
FICO score less than 620 (a)	6.8		2.4		8.8		6.9		2.7		10.1
Total	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%

(a) For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned.

Accruing And Non-Accruing Loans By Class

The following table reflects accruing and non-accruing loans by class on September 30, 2017:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I	$	10,462,376	$	19,324	$	129	$	10,481,829	$	5,260	$	1,252	$	9,290	$	15,802	$	10,497,631
Loans to mortgage companies	1,966,129		—		—		1,966,129		—		—		26		26		1,966,155
TRUPS (a)	304,236		—		—		304,236		—		—		3,097		3,097		307,333
Purchased credit-impaired loans	6,080		70		14,575		20,725		—		—		—		—		20,725
Total commercial (C&I)	12,738,821		19,394		14,704		12,772,919		5,260		1,252		12,413		18,925		12,791,844
Commercial real estate:
Income CRE	2,204,042		490		—		2,204,532		105		—		740		845		2,205,377
Residential CRE	41,043		—		—		41,043		—		—		795		795		41,838
Purchased credit-impaired loans	3,800		—		—		3,800		—		—		—		—		3,800
Total commercial real estate	2,248,885		490		—		2,249,375		105		—		1,535		1,640		2,251,015
Consumer real estate:
HELOC	1,375,690		14,312		8,518		1,398,520		43,188		3,217		9,020		55,425		1,453,945
R/E installment loans	2,883,593		5,855		3,609		2,893,057		15,510		2,875		3,035		21,420		2,914,477
Purchased credit-impaired loans	1,198		—		97		1,295		—		—		—		—		1,295
Total consumer real estate	4,260,481		20,167		12,224		4,292,872		58,698		6,092		12,055		76,845		4,369,717
Permanent mortgage	369,546		3,333		2,753		375,632		12,557		577		14,316		27,450		403,082
Credit card & other:
Credit card	191,714		1,254		1,081		194,049		—		—		—		—		194,049
Other	155,460		610		188		156,258		—		—		126		126		156,384
Purchased credit-impaired loans	—		—		—		—		—		—		—		—		—
Total credit card & other	347,174		1,864		1,269		350,307		—		—		126		126		350,433
Total loans, net of unearned income	$	19,964,907	$	45,248	$	30,950	$	20,041,105	$	76,620	$	7,921	$	40,445	$	124,986	$	20,166,091

(a) TRUPS is presented net of the valuation allowance of $25.5 million.

The following table reflects accruing and non-accruing loans by class on December 31, 2016:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I	$	9,720,231	$	5,199	$	23	$	9,725,453	$	16,106	$	374	$	12,988	$	29,468	$	9,754,921
Loans to mortgage companies	2,041,408		3,722		—		2,045,130		—		—		59		59		2,045,189
TRUPS (a)	304,236		—		—		304,236		—		—		3,209		3,209		307,445
Purchased credit-impaired loans	40,113		185		234		40,532		—		—		—		—		40,532
Total commercial (C&I)	12,105,988		9,106		257		12,115,351		16,106		374		16,256		32,736		12,148,087
Commercial real estate:
Income CRE	2,085,455		14		—		2,085,469		232		460		1,289		1,981		2,087,450
Residential CRE	42,182		178		—		42,360		—		—		795		795		43,155
Purchased credit-impaired loans	4,809		109		—		4,918		—		—		—		—		4,918
Total commercial real estate	2,132,446		301		—		2,132,747		232		460		2,084		2,776		2,135,523
Consumer real estate:
HELOC	1,602,640		17,997		10,859		1,631,496		46,964		4,201		8,922		60,087		1,691,583
R/E installment loans	2,794,866		7,844		5,158		2,807,868		17,989		2,383		2,353		22,725		2,830,593
Purchased credit-impaired loans	1,319		164		93		1,576		—		—		—		—		1,576
Total consumer real estate	4,398,825		26,005		16,110		4,440,940		64,953		6,584		11,275		82,812		4,523,752
Permanent mortgage	385,972		4,544		5,428		395,944		11,867		2,194		13,120		27,181		423,125
Credit card & other:
Credit card	188,573		1,622		1,456		191,651		—		—		—		—		191,651
Other	166,062		992		134		167,188		—		—		142		142		167,330
Purchased credit-impaired loans	52		—		—		52		—		—		—		—		52
Total credit card & other	354,687		2,614		1,590		358,891		—		—		142		142		359,033
Total loans, net of unearned income	$	19,377,918	$	42,570	$	23,385	$	19,443,873	$	93,158	$	9,612	$	42,877	$	145,647	$	19,589,520

(a) TRUPS is presented net of the valuation allowance of $25.5 million.

Schedule Of Troubled Debt Restructurings Occurring During The Year

The following tables reflect portfolio loans that were classified as TDRs during the three and nine months ended September 30, 2017 and 2016:

	Three Months Ended September 30, 2017					Nine Months Ended September 30, 2017
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	—	$	—	$	—	2	$	842	$	836
Total commercial (C&I)	—	—		—		2	842		836
Consumer real estate:
HELOC	45	4,451		4,396		107	9,333		9,139
R/E installment loans	15	1,630		1,622		43	3,386		3,306
Total consumer real estate	60	6,081		6,018		150	12,719		12,445
Permanent mortgage	2	34		32		11	2,043		2,028
Credit card & other	37	261		251		66	426		411
Total troubled debt restructurings	99	$	6,376	$	6,301	229	$	16,030	$	15,720
	Three Months Ended September 30, 2016					Nine Months Ended September 30, 2016
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	2	$	419	$	419	7	$	20,302	$	19,194
Total commercial (C&I)	2	419		419		7	20,302		19,194
Commercial real estate:
Income CRE	1	100		99		1	100		99
Total commercial real estate	1	100		99		1	100		99
Consumer real estate:
HELOC	48	5,720		5,573		200	18,418		18,189
R/E installment loans	10	345		337		44	4,569		4,846
Total consumer real estate	58	6,065		5,910		244	22,987		23,035
Permanent mortgage	2	710		704		6	1,551		1,544
Credit card & other	10	45		44		15	66		64
Total troubled debt restructurings	73	$	7,339	$	7,176	273	$	45,006	$	43,936

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months

The following tables present TDRs which re-defaulted during the three and nine months ended September 30, 2017 and 2016, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.

	Three Months Ended September 30, 2017			Nine Months Ended September 30, 2017
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Commercial (C&I):
General C&I	1	$	1,763	4	$	9,770
Total commercial (C&I)	1	1,763		4	9,770
Commercial real estate:
Income CRE	1	88		1	88
Total commercial real estate	1	88		1	88
Consumer real estate:
HELOC	—	—		4	685
Total consumer real estate	—	—		4	685
Permanent mortgage	1	89		2	627
Credit card & other	2	12		5	30
Total troubled debt restructurings	5	$	1,952	16	$	11,200
	Three Months Ended September 30, 2016			Nine Months Ended September 30, 2016
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Consumer real estate:
HELOC	—	$	—	2	$	138
R/E installment loans	—	—		1	180
Total consumer real estate	—	—		3	318
Total troubled debt restructurings	—	$	—	3	$	318