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Loans (Tables)

12 Months Ended

Dec. 31, 2014

The following table provides the balance of loans by portfolio segment as of December 31, 2014 and 2013:

			December 31
(Dollars in thousands)		2014		2013
Commercial:
	Commercial, financial, and industrial	$	9,007,286	$	7,923,576
	Commercial real estate		1,277,717		1,133,279
Retail:
	Consumer real estate (a)		5,048,071		5,333,371
	Permanent mortgage (b)		538,961		662,242
	Credit card & other		358,131		336,606
Loans, net of unearned income		$	16,230,166	$	15,389,074
Allowance for loan losses			232,448		253,809
Total net loans		$	15,997,718	$	15,135,265

Balances as of December 31, 2014 and 2013, include $76.8 million and $333.8 million of restricted and secured real estate loans, respectively. See Note 22 - Variable Interest Entities for additional information.
Balance as of December 31, 2013, includes $11.2 million of restricted and secured real estate loans. See Note 22 - 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 years ended December 31, 2014 and 2013:

		Years Ended
		December 31
(Dollars in thousands)		2014		2013
Balance, beginning of period	$	13,490	$	-
Additions		495		6,650
Accretion		(7,090)		(2,234)
Adjustment for payoffs		(1,575)		(104)
Adjustment for charge-offs		(79)		(4)
Increase in accretable yield (a)		9,473		9,182
Balance, end of period	$	14,714	$	13,490

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 [Table Text Block]

At December 31, 2014, the ALLL related to PCI loans was $3.2 million compared to $.8 million in 2013. Net charge-offs recognized during 2014 were $.1 million, compared to $.4 million in 2013. The loan loss provision incurred during 2014 and 2013 was $3.3 million and $1.2 million, respectively. The following table reflects the outstanding principal balance and carrying amounts of the PCI loans as of December 31, 2014 and 2013:

	December 31, 2014				December 31, 2013
(Dollars in thousands)	Carrying value		Unpaid balance		Carrying value		Unpaid balance
Commercial, financial and industrial	$	5,044	$	5,813	$	7,077	$	9,169
Commercial real estate		32,553		43,246		38,042		53,648
Consumer real estate		598		868		878		1,291
Credit card and other		10		14		12		21
Total	$	38,205	$	49,941	$	46,009	$	64,129

Information By Class Related To Individually Impaired Loans

Impaired Loans

The following tables provide information at December 31, 2014 and 2013, by class related to individually impaired loans and consumer TDR's. Recorded investment is defined as the amount of the investment in a loan, before valuation allowance but which does reflect any direct write-down of the investment. For purposes of this disclosure, PCI loans and LOCOM have been excluded.

		2014
		2014
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)		Investment		Balance		Allowance		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial:
	General C&I	$	9,558	$	10,851	$	-	$	15,826	$	-
	TRUPS		-		-		-		813		-
	Income CRE		8,528		16,242		-		7,671		-
	Residential CRE		1,148		1,827		-		718		-
	Total	$	19,234	$	28,920	$	-	$	25,028	$	-
Retail:
	HELOC (a)	$	13,379	$	32,471	$	-	$	15,670	$	-
	R/E installment loans (a)		4,819		6,247		-		7,855		-
	Permanent mortgage (a)		7,258		9,374		-		7,798		-
	Total	$	25,456	$	48,092	$	-	$	31,323	$	-
Impaired loans with related allowance recorded:
Commercial:
	General C&I	$	13,295	$	17,644	$	863	$	23,382	$	310
	TRUPS		13,460		13,700		4,310		13,524		-
	Income CRE		8,384		9,756		650		9,944		286
	Residential CRE		1,370		5,331		146		5,553		190
	Total	$	36,509	$	46,431	$	5,969	$	52,403	$	786
Retail:
	HELOC	$	84,169	$	86,252	$	18,942	$	77,306	$	1,799
	R/E installment loans		70,858		72,094		21,836		73,374		1,198
	Permanent mortgage		106,201		119,421		16,627		111,528		2,823
	Credit card & other		533		533		254		596		26
	Total	$	261,761	$	278,300	$	57,659	$	262,804	$	5,846
Total commercial		$	55,743	$	75,351	$	5,969	$	77,431	$	786
Total retail		$	287,217	$	326,392	$	57,659	$	294,127	$	5,846
Total impaired loans		$	342,960	$	401,743	$	63,628	$	371,558	$	6,632

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

		2013
		2013
				Unpaid				Average		Interest
		Recorded		Principal		Related		Recorded		Income
(Dollars in thousands)		Investment		Balance		Allowance		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial:
	General C&I	$	26,626	$	28,089	$	-	$	46,486	$	108
	TRUPS		6,500		6,500		-		9,563		-
	Income CRE		8,524		16,552		-		21,304		168
	Residential CRE		-		-		-		8,145		122
	Total	$	41,650	$	51,141	$	-	$	85,498	$	398
Retail:
	HELOC (a)	$	16,825	$	38,624	$	-	$	19,418	$	-
	R/E installment loans (a)		11,009		14,062		-		11,955		-
	Permanent mortgage (a)		8,460		11,943		-		8,835		-
	Total	$	36,294	$	64,629	$	-	$	40,208	$	-
Impaired loans with related allowance recorded:
Commercial:
	General C&I	$	16,741	$	23,016	$	1,548	$	18,291	$	185
	TRUPS		33,610		33,610		12,747		37,791		-
	Income CRE		12,374		14,094		810		5,725		201
	Residential CRE		6,914		12,249		790		3,148		153
	Total	$	69,639	$	82,969	$	15,895	$	64,955	$	539
Retail:
	HELOC	$	70,297	$	71,692	$	16,506	$	66,154	$	1,821
	R/E installment loans		72,291		73,230		27,667		72,408		1,340
	Permanent mortgage		112,998		125,666		17,042		112,356		2,990
	Credit card & other		545		545		224		698		29
	Total	$	256,131	$	271,133	$	61,439	$	251,616	$	6,180
Total commercial		$	111,289	$	134,110	$	15,895	$	150,453	$	937
Total retail		$	292,425	$	335,762	$	61,439	$	291,824	$	6,180
Total impaired loans		$	403,714	$	469,872	$	77,334	$	442,277	$	7,117

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 December 31, 2014 and 2013.
	December 31, 2014
			Loans to												Allowance
	General		Mortgage				Income		Residential				Percentage		for Loan
(Dollars in thousands)	C&I		Companies		TRUPS (a)		CRE		CRE		Total		of Total		Losses
PD Grade:
1	$	450,465	$	-	$	-	$	136	$	60	$	450,661	4	%	$	70
2		434,945		-		-		1,344		236		436,525	4			130
3		566,364		134,230		-		73,812		230		774,636	8			201
4		589,341		202,287		-		45,084		232		836,944	8			408
5		821,012		247,058		-		216,628		3,835		1,288,533	13			2,372
6		1,162,551		314,671		-		175,007		5,218		1,657,447	16			5,286
7		1,325,968		157,410		-		224,226		6,669		1,714,273	17			8,517
8		699,334		42,730		-		200,463		7,664		950,191	9			9,307
9		531,979		58,997		-		117,782		834		709,592	7			8,901
10		244,574		5,635		-		38,253		739		289,201	3			4,806
11		287,940		-		-		31,712		938		320,590	3			6,887
12		117,431		-		-		29,453		1,038		147,922	1			4,622
13		87,840		-		325,882		6,116		1,166		421,004	4			3,590
14,15,16		157,868		-		-		29,579		4,204		191,651	2			21,411
Collectively evaluated for impairment		7,477,612		1,163,018		325,882		1,189,595		33,063		10,189,170	99			76,508
Individually evaluated for impairment		22,853		-		12,845		16,912		2,518		55,128	1			5,969
Purchased credit-impaired loans		5,076		-		-		33,914		1,715		40,705	-			3,108
Total commercial loans	$	7,505,541	$	1,163,018	$	338,727	$	1,240,421	$	37,296	$	10,285,003	100	%	$	85,585


	December 31, 2013
			Loans to												Allowance
	General		Mortgage				Income		Residential				Percent of		for Loan
(Dollars in thousands)	C&I		Companies		TRUPS (a)		CRE		CRE		Total		Total		Losses
PD Grade:
1	$	239,141	$	-	$	-	$	-	$	-	$	239,141	3	%	$	85
2		216,173		-		-		3,363		-		219,536	2			80
3		224,224		-		-		739		83		225,046	2			206
4		321,423		-		-		13,005		213		334,641	4			410
5		821,158		-		-		42,420		225		863,803	10			1,331
6		876,982		96,287		-		229,098		9,989		1,212,356	13			1,643
7		1,135,378		172,236		-		216,744		6,527		1,530,885	17			2,578
8		953,398		295,436		-		218,619		136		1,467,589	16			4,426
9		683,223		167,533		-		111,260		953		962,969	11			8,381
10		402,532		48,802		-		64,893		1,850		518,077	6			7,276
11		387,907		10,169		-		29,774		1,637		429,487	5			9,687
12		129,741		-		-		32,796		4,333		166,870	2			2,488
13		163,458		-		331,940		16,666		2,886		514,950	6			9,047
14,15,16		154,860		146		4,103		52,879		5,551		217,539	2			32,712
Collectively evaluated for impairment		6,709,598		790,609		336,043		1,032,256		34,383		8,902,889	99			80,350
Individually evaluated for impairment		43,367		-		36,864		20,898		6,914		108,043	1			15,895
Total commercial loans (b)	$	6,752,965	$	790,609	$	372,907	$	1,053,154	$	41,297	$	9,010,932	100	%	$	96,245

Balances as of December 31, 2014 and 2013, presented net of $26.2 million and $29.4 million, respectively, in lower of cost or market (“LOCOM”) valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13".
December 31, 2013 table excludes PCI loans amounting to $45.9 million ($.8 million of allowance).

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The HELOC

The following tables reflect period end balances and average FICO scores by origination vintage for the HELOC, real estate installment, and permanent mortgage classes of loans as of December 31, 2014 and 2013:

HELOC
	December 31, 2014						December 31, 2013
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2003	$	56,335		708		701	$	79,550		711		701
2003		102,073		721		710		141,215		725		711
2004		282,580		723		709		395,323		727		716
2005		451,757		731		722		531,839		732		720
2006		337,440		740		727		383,366		740		726
2007		357,290		744		729		406,299		744		728
2008		194,710		753		747		223,110		753		747
2009		101,594		751		743		115,863		750		744
2010		98,214		753		749		114,393		753		749
2011		96,982		759		753		112,595		758		753
2012		119,333		760		758		138,373		759		760
2013		151,005		758		760		164,665		759		762
2014		120,025		762		762		-		-		-
Total	$	2,469,338		741		732	$	2,806,591		740		730

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans


R/E Installment Loans	December 31, 2014						December 31, 2013
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2003	$	13,909		678		684	$	23,827		681		683
2003		49,706		714		724		74,451		716		725
2004		41,414		699		695		54,240		701		700
2005		123,130		715		712		161,205		717		711
2006		134,055		713		702		173,994		715		701
2007		199,473		723		709		249,198		725		709
2008		64,244		720		714		85,192		723		720
2009		28,762		736		725		38,842		742		737
2010		101,310		747		752		125,094		748		755
2011		278,795		760		759		335,343		760		760
2012		608,684		764		766		690,461		764		764
2013		475,272		756		759		514,933		757		754
2014		459,979		756		752		-		-		-
Total	$	2,578,733		748		747	$	2,526,780		746		742

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans


Permanent Mortgage	December 31, 2014						December 31, 2013
			Average		Average				Average		Average
(Dollars in thousands)	Period End		Origination		Refreshed		Period End		Origination		Refreshed
Origination Vintage	Balance		FICO		FICO		Balance		FICO		FICO
pre-2004	$	150,217		723		721	$	194,369		725		725
2004		17,349		712		712		22,720		713		694
2005		34,033		736		740		40,272		737		712
2006		62,053		731		724		79,367		730		711
2007		188,868		733		717		223,440		734		710
2008		86,441		741		709		102,074		741		714
Total	$	538,961		730		717	$	662,242		731		714

Accruing And Non-Accruing Loans By Class


The following table reflects accruing and non-accruing loans by class on December 31, 2014:

	Accruing								Non-Accruing
			30-89		90+						30-89		90+		Total
			Days		Days		Total				Days		Days		Non-		Total
(Dollars in thousands)	Current		Past Due		Past Due		Accruing		Current		Past Due		Past Due		Accruing		Loans
Commercial (C&I):
General C&I	$	7,477,410	$	3,196	$	218	$	$7,480,824	$	636	$	1,726	$	17,279	$	$19,641	$	$7,500,465
Loans to mortgage companies		1,162,894		-		-		1,162,894		-		-		124		124		1,163,018
TRUPS (a)		325,882		-		-		325,882		-		-		12,845		12,845		338,727
Purchased credit-impaired loans		4,180		344		552		5,076		-		-		-		-		5,076
Total commercial (C&I)		8,970,366		3,540		770		8,974,676		636		1,726		30,248		32,610		9,007,286
Commercial real estate:
Income CRE		1,190,562		1,446		-		1,192,008		1,495		1,963		11,041		14,499		1,206,507
Residential CRE		34,541		183		-		34,724		-		-		857		857		35,581
Purchased credit-impaired loans		35,511		3		115		35,629		-		-		-		-		35,629
Total commercial real estate		1,260,614		1,632		115		1,262,361		1,495		1,963		11,898		15,356		1,277,717
Consumer real estate:
HELOC		2,347,361		26,738		11,093		2,385,192		66,410		6,628		11,108		84,146		2,469,338
R/E installment loans		2,524,019		11,951		5,602		2,541,572		27,330		3,268		5,888		36,486		2,578,058
Purchased credit-impaired loans		675		-		-		675		-		-		-		-		675
Total consumer real estate		4,872,055		38,689		16,695		4,927,439		93,740		9,896		16,996		120,632		5,048,071
Permanent mortgage		495,619		3,624		5,640		504,883		16,681		2,382		15,015		34,078		538,961
Credit card & other
Credit card		185,015		1,909		1,822		188,746		-		-		-		-		188,746
Other		167,272		1,137		203		168,612		-		-		763		763		169,375
Purchased credit-impaired loans		10		-		-		10		-		-		-		-		10
Total credit card & other		352,297		3,046		2,025		357,368		-		-		763		763		358,131
Total loans, net of unearned	$	15,950,951	$	50,531	$	$25,245	$	$16,026,727		$112,552	$	15,967	$	$74,920	$	$203,439	$	$16,230,166

Total TRUPS includes LOCOM valuation allowance of $26.2 million.


The following table reflects accruing and non-accruing loans by class on December 31, 2013:

	Accruing								Non-Accruing
			30-89		90+						30-89		90+		Total
			Days		Days		Total				Days		Days		Non-		Total
(Dollars in thousands)	Current		Past Due		Past Due		Accruing		Current		Past Due		Past Due		Accruing		Loans
Commercial (C&I):
General C&I	$	6,701,185	$	8,606	$	425	$	6,710,216	$	19,039	$	3,668	$	20,042	$	42,749	$	6,752,965
Loans to mortgage companies		790,463		-		-		790,463		-		-		146		146		790,609
TRUPS (a)		336,043		-		-		336,043		-		-		36,864		36,864		372,907
Purchased credit-impaired loans		5,710		-		1,385		7,095		-		-		-		-		7,095
Total commercial (C&I)		7,833,401		8,606		1,810		7,843,817		19,039		3,668		57,052		79,759		7,923,576
Commercial real estate:
Income CRE		1,030,910		5,822		-		1,036,732		4,339		395		11,688		16,422		1,053,154
Residential CRE		39,295		323		-		39,618		130		-		1,549		1,679		41,297
Purchased credit-impaired loans		34,786		2,964		1,078		38,828		-		-		-		-		38,828
Total commercial real estate		1,104,991		9,109		1,078		1,115,178		4,469		395		13,237		18,101		1,133,279
Consumer real estate:
HELOC		2,688,193		25,609		14,683		2,728,485		59,385		5,261		13,460		78,106		2,806,591
R/E installment loans		2,466,647		12,951		6,801		2,486,399		29,221		3,120		7,151		39,492		2,525,891
Purchased credit-impaired loans		889		-		-		889		-		-		-		-		889
Total consumer real estate		5,155,729		38,560		21,484		5,215,773		88,606		8,381		20,611		117,598		5,333,371
Permanent mortgage		606,707		11,235		6,129		624,071		14,868		952		22,351		38,171		662,242
Credit card & other
Credit card		182,798		1,792		1,369		185,959		-		-		-		-		185,959
Other		147,846		996		394		149,236		1,397		-		-		1,397		150,633
Purchased credit-impaired loans		14		-		-		14		-		-		-		-		14
Total credit card & other		330,658		2,788		1,763		335,209		1,397		-		-		1,397		336,606
Total loans, net of unearned	$	15,031,486	$	70,298	$	32,264	$	15,134,048	$	128,379	$	13,396	$	113,251	$	255,026	$	15,389,074

Total TRUPS includes LOCOM valuation allowance of $29.4 million.

Schedule Of Troubled Debt Restructurings Occurring During The Year


The following table reflects portfolio loans that were classified as TDRs during the years ended December 31, 2014 and 2013:

		2014					2013
			Pre-Modification		Post-Modification			Pre-Modification		Post-Modification
			Outstanding		Outstanding			Outstanding		Outstanding
(Dollars in thousands)		Number	Recorded Investment		Recorded Investment		Number	Recorded Investment		Recorded Investment
Commercial (C&I):
General C&I		4	$	1,767	$	1,492	13	$	17,968	$	17,784
	Total commercial (C&I)	4		1,767		1,492	13		17,968		17,784
Commercial real estate:
Income CRE		2		421		421	5		4,221		4,187
Residential CRE		1		976		960	-		-		-
	Total commercial real estate	3		1,397		1,381	5		4,221		4,187
Consumer real estate:
HELOC		309		27,078		27,514	354		26,606		26,224
R/E installment loans		151		10,050		9,958	426		30,400		30,104
	Total consumer real estate	460		37,128		37,472	780		57,006		56,328
Permanent mortgage		34		9,362		8,879	49		18,716		19,184
Credit card & other		64		327		315	50		233		221
Total troubled debt restructurings		565	$	49,981	$	49,539	897	$	98,144	$	97,704

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months


The following table presents TDRs which re-defaulted during 2014 and 2013, and as to which the modification occurred 12 months or less prior to the re-default. Financing receivables that became classified as TDRs within the previous 12 months and for which there was a payment default during the period are calculated by first identifying TDRs that defaulted during the period and then determining whether they were modified within the 12 months prior to the default. For purposes of this disclosure, FHN generally defines payment default as 30 or more plus days past due.


		2014			2013
			Recorded			Recorded
(Dollars in thousands)		Number	Investment		Number	Investment
Commercial (C&I):
General C&I		6	$	869	11	$	6,705
	Total commercial (C&I)	6		869	11		6,705
Commercial real estate:
Income CRE		4		3,086	4		1,548
Residential CRE		-		-	1		33
	Total commercial real estate	4		3,086	5		1,581
Consumer real estate:
HELOC		7		485	13		604
R/E installment loans		9		530	8		428
	Total consumer real estate	16		1,015	21		1,032
Permanent mortgage		3		1,128	17		7,832
Credit card & other		2		4	17		65
Total troubled debt restructurings		31	$	6,102	71	$	17,215