XML 48 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans (Tables)
 9 Months Ended
Sep. 30, 2012
Loans [Abstract]  
Schedule Of Loans By Portfolio Segment
The following table provides the balance of loans by portfolio segment as of September 30, 2012 and 2011, and December 31, 2011:
           
    September 30 December 31 
(Dollars in thousands)   2012 2011 2011 
Commercial:           
 Commercial, financial, and industrial  $8,466,450 $7,705,749 $8,014,927 
 Commercial real estate           
  Income CRE 1,160,866  1,286,683  1,257,497 
  Residential CRE 68,989  141,657  120,913 
Retail:           
 Consumer real estate   5,318,898  5,305,005  5,291,364 
 Permanent mortgage 791,271  838,020  787,597 
 Credit card & other 286,063  298,544  284,051 
 Restricted real estate loans and secured borrowings (a) 431,246  665,744  640,778 
Loans, net of unearned income$16,523,783 $16,241,402 $16,397,127 
Allowance for loan losses 281,744  449,645  384,351 
Total net loans  $16,242,039 $15,791,757 $16,012,776 

  • Balances as of September 30, 2012 and 2011, and December 31, 2011, include $417.0 million, $623.3 million, and $600.2 million of consumer real estate loans and $14.2 million, $42.4 million, and $40.6 million of permanent mortgage loans, respectively.
Rollforward Of The Allowance For Loan Losses By Portfolio Segment
The following table provides a rollforward of the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2012 and 2011:  
                Credit    
     Commercial Consumer Permanent Card and    
(Dollars in thousands)C&I Real Estate Real Estate Mortgage Other Total 
Balance as of July 1, 2011  $ 206,278 $ 99,467 $ 162,655 $ 46,602 $ 9,089 $ 524,091 
Charge-offs (a)   (17,348)   (10,702)   (39,122)   (48,556)   (4,927)   (120,655) 
Recoveries    4,716   2,673   4,052   1,728   1,040   14,209 
Provision    (11,356)   (26,287)   34,485   31,888   3,270   32,000 
Balance as of September 30, 2011 (b) (c)  182,290   65,151   162,070   31,662   8,472   449,645 
Balance as of January 1, 2011    239,469   155,085   192,350   65,009   12,886   664,799 
Charge-offs (a)  (42,200)   (34,413)   (130,886)   (69,340)   (14,511)   (291,350) 
Recoveries    13,553   7,739   12,488   5,262   3,154   42,196 
Provision    (28,532)   (63,260)   88,118   30,731   6,943   34,000 
Balance as of September 30, 2011 (b) (c)  182,290   65,151   162,070   31,662   8,472   449,645 
Allowance - individually evaluated for impairment    46,500   7,998   40,509   5,692   842   101,541 
Allowance - collectively evaluated for impairment    135,790   57,153   121,561   25,970   7,630   348,104 
Loans, net of unearned as of September 30, 2011:                    
 Individually evaluated for impairment    203,652   130,543   112,124   47,910   1,138   495,367 
 Collectively evaluated for impairment    7,502,097   1,297,797   5,816,186   832,549   297,406   15,746,035 
Total loans, net of unearned (b) (c)  7,705,749   1,428,340   5,928,310   880,459   298,544   16,241,402 
Balance as of July 1, 2012    110,645   41,546   133,421   29,112   6,327   321,051 
Charge-offs (d)  (7,077)   (4,446)   (69,351)   (2,889)   (3,259)   (87,022) 
Recoveries    1,892   1,240   2,941   734   908   7,715 
Provision (e)  1,081   (10,991)   48,938   (1,400)   2,372   40,000 
Balance as of September 30, 2012 (b) (c)  106,541   27,349   115,949   25,557   6,348   281,744 
Balance as of January 1, 2012    130,413   55,586   165,077   26,194   7,081   384,351 
Charge-offs (d)  (23,310)   (18,070)   (132,618)   (10,597)   (9,238)   (193,833) 
Recoveries    8,568   2,779   12,255   1,905   2,719   28,226 
Provision (e)  (9,130)   (12,946)   71,235   8,055   5,786   63,000 
Balance as of September 30, 2012 (b) (c)  106,541   27,349   115,949   25,557   6,348   281,744 
Allowance - individually evaluated for impairment    28,672   183   31,629   20,988   237   81,709 
Allowance - collectively evaluated for impairment    77,869   27,166   84,320   4,569   6,111   200,035 
Loans, net of unearned as of September 30, 2012:                    
 Individually evaluated for impairment    153,480   66,357   145,481   129,101   913   495,332 
 Collectively evaluated for impairment    8,312,970   1,163,498   5,590,423   676,410   285,150   16,028,451 
Total loans, net of unearned (b) (c)$ 8,466,450 $ 1,229,855 $ 5,735,904 $ 805,511 $ 286,063 $ 16,523,783 

  • Third quarter 2011 includes $40.2 million of charge-offs associated with loan sales.
  • Balances as of September 30, 2012 and 2011 include $14.7 million and $26.9 million of reserves, respectively, and $417.0 million and $623.3 million of balances in restricted consumer real estate loans and secured borrowings, respectively.
  • Balances as of September 30, 2012 and 2011 include $.6 million and $5.5 million of reserves, respectively, and $14.2 million and $42.4 million of balances in restricted permanent mortgage loans and secured borrowings, respectively.
  • Third quarter 2012 includes approximately $40 million of charge-off associated with implementation of recently issued regulatory guidance.
  • Third quarter 2012 includes approximately $30 million of loan loss provision associated with implementation of recently issued regulatory guidance.
Information By Class Related To Individually Impaired Loans
Impaired Loans                     
                       
The following tables provide information 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, LOCOM has been excluded.  
        
           Three Months Ended Nine Months Ended 
  September 30, 2012 September 30, 2012 September 30, 2012 
     Unpaid    Average Interest Average Interest 
  RecordedPrincipalRelatedRecordedIncomeRecorded Income 
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognizedInvestment Recognized 
Impaired loans with no related allowance recorded:                   
Commercial:                     
 General C&I$59,215 $75,587 $ - $60,669 $ 142 $67,098 $ 549 
 TRUPs 45,892  45,892   -  46,446   -  46,446   - 
 Income CRE 44,956  69,684   -  48,166   96  56,305   249 
 Residential CRE 19,993  36,108   -  21,167   70  22,142   204 
 Total$170,056 $227,271 $0 $176,448 $ 308 $191,991 $ 1,002 
Retail:                     
 HELOC (a)$13,086 $36,927 $ - $142 $ - $48 $ - 
 R/E installment loans (a) 8,696  22,750   -  95   -  32   - 
 Permanent mortgage (a) 13,282  17,040   -  144   -  48   - 
 Total$35,064 $76,717 $0 $381 $ - $128 $ - 
Impaired loans with related allowance recorded:                   
Commercial:                     
 General C&I$20,580 $22,374 $7,351 $19,764 $ 33 $17,512 $ 100 
 TRUPs 33,700  33,700  21,321  33,700   -  33,700   - 
 Income CRE 1,408  1,408  183  1,469   14  1,815   43 
 Residential CRE 0  0  0  8,700   -  10,577   - 
 Total$55,688 $57,482 $28,855 $63,633 $ 47 $63,604 $ 143 
Retail:                     
 HELOC$57,020 $57,020 $12,980 $57,097 $ 389 $53,469 $ 1,173 
 R/E installment loans 66,679  66,679  18,649  67,272   294  68,444   835 
 Permanent mortgage 115,819  115,819  20,988  117,679   714  94,442   2,104 
 Credit card & other 913  913  237  923   2  1,015   23 
 Total$240,431 $240,431 $52,854 $242,971 $ 1,399 $217,370 $ 4,135 
Total commercial$225,744 $284,753 $28,855 $240,081 $ 355 $255,595 $ 1,145 
Total retail$275,495 $317,148 $52,854 $243,352 $ 1,399 $217,498 $ 4,135 
Total impaired loans$501,239 $601,901 $81,709 $483,433 $ 1,754 $473,093 $ 5,280 

  • All discharged bankruptcy loans were charged down to an estimate of collateral value per the recently issued regulatory guidance and do not carry any allowance.

           Three Months Ended Nine Months Ended 
  September 30, 2011 September 30, 2011 September 30, 2011 
     Unpaid    Average Interest Average Interest 
  RecordedPrincipalRelatedRecordedIncomeRecordedIncome 
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognizedInvestmentRecognized 
Impaired loans with no related allowance recorded:                   
Commercial:                     
 General C&I$83,699 $110,815 $ - $87,820 $ 328 $62,782 $ 817 
 TRUPs 60,700  60,700   -  58,850   -  44,350   - 
 Income CRE 77,245  131,012   -  87,090   150  92,566   681 
 Residential CRE 28,843  56,337   -  35,881   82  44,122   426 
 Total$250,487 $358,864 $ - $269,641 $ 560 $243,820 $ 1,924 
Impaired loans with related allowance recorded:                   
Commercial:                     
 General C&I$36,245 $43,691 $20,280 $40,100 $ 35 $74,893 $ 175 
 TRUPs 30,000  30,000  26,220  30,000   -  30,000   - 
 Income CRE 2,722  2,732  348  7,426   15  18,631   26 
 Residential CRE 21,733  21,733  7,650  22,064   -  31,023   - 
 Total$90,700 $98,156 $54,498 $99,590 $ 50 $154,547 $ 201 
Retail:                     
 HELOC$44,624 $44,624 $21,732 $40,620 $ 224 $34,999 $ 551 
 R/E installment loans 59,717  59,717  18,777  55,594   232  52,058   568 
 Permanent mortgage 55,693  55,693  5,692  85,351   535  76,229   1,463 
 Credit card & other 1,138  1,138  842  1,162   12  951   36 
 Total$161,172 $161,172 $ 47,043 $182,727 $ 1,003 $164,237 $ 2,618 
Total commercial$341,187 $457,020 $54,498 $369,231 $ 610 $398,367 $ 2,125 
Total retail$161,172 $161,172 $47,043 $182,727 $ 1,003 $164,237 $ 2,618 
Total impaired loans$502,359 $618,192 $101,541 $551,958 $ 1,613 $562,604 $ 4,743 
  
Certain previously reported amounts have been reclassified to agree with current presentation. 
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, 2012 and 2011:  
 September 30, 2012 
    Loans to               Allowance 
 General Mortgage    IncomeResidential  Percentage for Loan
(Dollars in thousands)C&I Companies TRUPS (a) CRECRETotalof Total Losses
PD Grade:                       
1$ 213,871 $ - $ - $ - $ - $ 213,871 2%  $ 54 
2  183,044   -   -   2,557   -   185,601 2     94 
3  129,183   -   -   8,210   -   137,393 1     79 
4  254,537   -   -   5,660   26   260,223 3     226 
5  497,375   -   -   28,115   117   525,607 5     1,027 
6  891,971   129,816   -   166,183   5,024   1,192,994 12     3,002 
7  1,033,349   327,812   -   156,309   4,056   1,521,526 16     7,868 
8  968,311   959,623   -   172,200   515   2,100,649 22     12,028 
9  644,862   186,130   -   172,544   1,375   1,004,911 10     10,084 
10  498,174   33,302   -   96,892   1,336   629,704 7     8,103 
11  449,874   -   -   84,635   2,024   536,533 6     9,112 
12  167,041   -   -   11,848   1,278   180,167 2     2,709 
13  149,268   -   338,177   75,408   3,705   566,558 6     9,211 
14,15,16  257,249   -   -   133,941   29,540   420,730 4     41,439 
Collectively evaluated for impairment  6,338,109   1,636,683   338,177   1,114,502   48,996   9,476,467 98     105,036 
Individually evaluated for impairment  79,796   -   73,685   46,364   19,993   219,838 2     28,854 
Total commercial loans$ 6,417,905 $ 1,636,683 $ 411,862 $ 1,160,866 $ 68,989 $ 9,696,305 100%  $ 133,890 

 September 30, 2011 
    Loans to               Allowance 
 GeneralMortgage  IncomeResidential  Percent of for Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalTotal Losses
PD Grade:                       
1$ 166,468 $ - $0 $ - $ - $ 166,468 2%  $ 16 
2  151,483   -  0   2,635   -   154,118 2     35 
3  186,256   -  0   16,961   -   203,217 2     182 
4  184,891   -  0   6,763   97   191,751 2     532 
5  339,569   -  0   29,521   68   369,158 4     1,244 
6  902,482   276,960  0   78,654   2,623   1,260,719 13     7,107 
7  789,022   344,002  0   140,093   2,086   1,275,203 14     11,581 
8  1,117,411   314,251  0   185,485   4,132   1,621,279 17     17,842 
9  586,787   91,955  0   116,130   3,526   798,398 9     16,825 
10  411,252   38,829  0   123,546   607   574,234 6     11,788 
11  487,740   -  0   125,077   1,669   614,486 7     16,760 
12  129,760   -   -   15,954   5,357   151,071 2     5,011 
13  322,884   -   334,099   113,228   7,553   777,764 9     31,891 
14,15,16  321,424   491   4,081   252,669   63,363   642,028 7     72,129 
Collectively evaluated for impairment 6,097,429   1,066,488   338,180   1,206,716   91,081  8,799,894 96     192,943 
Individually evaluated for impairment  119,944  0   83,708   79,967   50,576   334,195 4     54,498 
Total commercial loans$6,217,373 $ 1,066,488 $ 421,888 $1,286,683 $ 141,657 $9,134,089 100%  $ 247,441 

  • Balances as of September 30, 2012 and 2011, presented net of $34.2 million and $35.3 million, respectively, LOCOM. Based on the underlying structure of the notes, the highest possible internal grade is "13".
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 September 30, 2012 and 2011:
                    
HELOC                  
(Dollars in thousands) September 30, 2012 September 30, 2011 
     Average Average    Average Average 
  Period End OriginationRefreshedPeriod EndOriginationRefreshed
Origination VintageBalance (a) FICOFICOBalance (a)FICOFICO
pre-2003$ 135,605  718  710 $ 194,070  723  719 
2003  235,546  733  724   285,848  734  727 
2004  514,791  728  718   611,791  728  720 
2005  642,027  734  719   759,689  734  722 
2006  474,706  741  726   568,673  741  726 
2007  498,011  745  729   582,307  746  732 
2008  267,346  755  748   300,211  755  750 
2009  152,687  753  748   185,662  755  755 
2010  150,243  754  752   182,186  755  757 
2011  146,768  759  758   116,612  757  757 
2012  117,905  761  759  N/A  N/A  N/A 
Total$3,335,635  740  731 $3,787,049  740  730 

(a)        Balances as of September 30, 2012 and 2011 include $417.0 million and $623.3 million of restricted loan and secured borrowing balances.

 
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans
                    
R/E Installment LoansSeptember 30, 2012September 30, 2011
(Dollars in thousands)    Average Average    Average Average 
  Period End Origination Refreshed Period End Origination Refreshed 
Origination VintageBalance  FICO FICO Balance FICO FICO 
pre-2003$ 41,783  686  686 $ 62,465  691  688 
2003  122,330  721  730   177,168  723  731 
2004  78,439  707  706   105,307  712  710 
2005  224,780  718  713   287,501  721  716 
2006  244,101  719  703   314,204  721  707 
2007  338,306  728  711   440,296  730  715 
2008  122,014  728  720   166,352  736  730 
2009  67,590  748  744   108,874  751  754 
2010  163,618  745  751   207,151  748  752 
2011  428,167  760  759   271,943  756  754 
2012  569,141  765  761  N/A  N/A  N/A 
Total$2,400,269  741  733 $2,141,261  732  726 
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans
                    
Permanent MortgageSeptember 30, 2012September 30, 2011
(Dollars in thousands)    Average Average    Average Average 
  Period EndOriginationRefreshedPeriod EndOriginationRefreshed
Origination VintageBalance (a) FICOFICOBalance (a)FICOFICO
pre-2004$ 220,499  726  729 $ 190,304  726  733 
2004  31,422  715  692   11,965  711  688 
2005  52,058  739  716   66,060  736  729 
2006  94,898  734  706   122,741  730  696 
2007  275,594  734  712   325,726  728  693 
2008  131,040  742  712   163,663  731  687 
Total$ 805,511  732  712 $880,459  729  700 

  • Balances as of September 30, 2012 and 2011 include $14.2 million and $42.4 million of restricted loan and secured borrowing balances.
Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes
The following table reflects accruing delinquency amounts for the credit card and other portfolio classes.
             
 Credit Card Other 
(Dollars in thousands)September 30, 2012 September 30, 2011 September 30, 2012 September 30, 2011 
Accruing delinquent balances:            
30-89 days past due$ 1,666 $ 1,816 $594 $602 
90+ days past due  1,352   1,377  477  71 
Total$ 3,018 $ 3,193 $ 1,071 $673 
Accruing And Non-Accruing Loans By Class
The following table reflects accruing and non-accruing loans by class on September 30, 2012: 
                              
   Accruing Non-Accruing   
      30-89 90 +       30-89 90 + Total    
      Days Past Days Total    Days Days Non- Total 
(Dollars in thousands)  Current Due Past Due Accruing Current  Past Due Past Due Accruing Loans 
Commercial (C&I):                            
General C&I $ 6,315,340 $ 25,221 $ 428 $ 6,340,989 $ 36,480 $ 9,734 $ 30,702 $ 76,916 $ 6,417,905 
Loans to mortgage companies   1,636,683   -   -   1,636,683   -   -   -   -   1,636,683 
TRUPs (a)   338,177   -   -   338,177   -   -   73,685   73,685   411,862 
Total C&I   8,290,200   25,221   428   8,315,849   36,480   9,734   104,387   150,601   8,466,450 
Commercial real estate:                            
Income CRE   1,111,616   2,393   -   1,114,009   10,552   3,689   32,616   46,857   1,160,866 
Residential CRE   51,288   823   -   52,111   1,654   126   15,098   16,878   68,989 
Total                            
  commercial real estate   1,162,904   3,216   -  1,166,120 12,206  3,815  47,714  63,735  1,229,855
Consumer real estate:                            
HELOC (b)   3,246,585   36,223   18,774   3,301,582   20,990   1,195   11,868   34,053   3,335,635 
R/E installment loans   2,350,465   18,332   10,185   2,378,982   12,954   2,470   5,863   21,287   2,400,269 
Total consumer real estate   5,597,050   54,555   28,959   5,680,564   33,944   3,665   17,731   55,340   5,735,904 
Permanent mortgage (b)   748,470   15,241   7,774   771,485   18,165   2,095   13,766   34,026   805,511 
Credit card & other                            
Credit card   183,893   1,666   1,352   186,911   -   -   -   -   186,911 
Other   96,245   594   477   97,316   1,835   1   -   1,836   99,152 
Total credit card & other   280,138   2,260   1,829   284,227   1,835   1   -   1,836   286,063 
Total loans, net of unearned (c) $ 16,078,762 $ 100,493 $ 38,990 $ 16,218,245 $ 102,630 $ 19,310 $ 183,598 $ 305,538 $ 16,523,783 

  • Includes LOCOM valuation allowance $34.2 million.
  • Includes restricted real estate loans and secured borrowings.
  • The non-accruing balance as of September 30, 2012 includes $15.5 million of HELOC and R/E installment nonperforming loans, and $10.1 million of permanent mortgage nonperforming loans associated with implementation of recently issued regulatory guidance. Approximately 80 percent of these nonperforming loans are current.

 
The following table reflects accruing and non-accruing loans by class on September 30, 2011:
                             
  Accruing Non-Accruing   
     30-89 Days 90 + Days Total    30-89 Days 90 + Days Total Non-   
(Dollars in thousands) CurrentPast DuePast DueAccruingCurrentPast DuePast DueAccruingTotal Loans
Commercial (C&I) :                           
General C&I$6,068,266 $28,618 $4,181 $6,101,065 $52,141 $12,844 $51,323 $116,308 $6,217,373 
Loans to mortgage companies 1,065,823  174  0  1,065,997  0   -  491  491  1,066,488 
TRUPs (a) 338,180  0  0  338,180  0   -  83,708  83,708  421,888 
Total C&I 7,472,269  28,792  4,181  7,505,242  52,141  12,844  135,522  200,507  7,705,749 
Commercial real estate:                           
Income CRE 1,187,094  18,634  256  1,205,984  18,409  8,093  54,197  80,699  1,286,683 
Residential CRE 85,823  869  0  86,692  34,874  1,237  18,854  54,965  141,657 
Total commercial real estate 1,272,917  19,503  256  1,292,676  53,283  9,330  73,051  135,664  1,428,340 
Consumer real estate:                           
HELOC (b) 3,692,346  46,053  22,574  3,760,973  17,098  1,143  7,835  26,076  3,787,049 
R/E installment loans 2,086,734  26,275  9,126  2,122,135  13,505  2,919  2,702  19,126  2,141,261 
Total consumer real estate 5,779,080  72,328  31,700  5,883,108  30,603  4,062  10,537  45,202  5,928,310 
Permanent mortgage (b) 808,293  31,724  13,205  853,222  8,214  448  18,575  27,237  880,459 
Credit card & other                           
Credit card 198,569  1,816  1,377  201,762  0  0  0  0  201,762 
Other 91,064  602  71  91,737  5  0  5,040  5,045  96,782 
Total credit card & other 289,633  2,418  1,448  293,499  5  0  5,040  5,045  298,544 
Total loans, net of unearned$15,622,192 $154,765 $50,790 $15,827,747 $144,246 $26,684 $242,725 $413,655 $16,241,402 

  • Includes LOCOM valuation allowance $35.3 million.
  • Includes restricted real estate loans and secured borrowings.
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 month ended September 30, 2012 and 2011: 
 Three Months Ended September 30, 2012 Nine Months Ended September 30, 2012 
    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  8 $ 4,285 $ 4,244  19 $ 22,406 $ 22,264 
Total commercial (C&I)  8   4,285   4,244  19   22,406   22,264 
Commercial real estate:                 
Income CRE  3   4,538   4,144  9   13,045   12,502 
Residential CRE  -   -   -  2   88   87 
Total commercial real estate  3   4,538   4,144  11   13,133   12,589 
Consumer real estate:                 
HELOC (a)  737   17,087   16,916  831   27,730   27,511 
R/E installment loans (b)  567   13,604   13,445  677   26,782   25,710 
Total consumer real estate  1,304   30,691   30,361  1,508   54,512   53,221 
Permanent mortgage (c)  61   16,641   16,648  123   66,308   66,710 
Credit card & other:                 
Credit card  26   101   97  188   1,063   1,025 
Total credit card & other  26   101   97  188   1,063   1,025 
Total troubled debt restructurings  1,402 $ 56,256 $ 55,494  1,849 $ 157,422 $ 155,809 

(a)        Balances as of September 30, 2012 includes $11.6 million associated with implementation of the recently issued regulatory guidance.

(b)       Balances as of September 30, 2012 includes $6.2 million associated with implementation of the recently issued regulatory guidance.

(c)       Balances as of September 30, 2012 includes $10.2 million associated with implementation of the recently issued regulatory guidance.

 

 

  Three Months Ended September 30, 2011 Nine Months Ended September 30, 2011 
     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 $ 1,563 $ 1,549  14 $ 13,374 $ 13,356 
Total commercial (C&I)   4   1,563   1,549  14   13,374   13,356 
Commercial real estate:                  
Income CRE   2   3,759   3,748  9   10,290   10,210 
Residential CRE   2   732   739  5   2,435   2,510 
Total commercial real estate   4   4,491   4,487  14   12,725   12,720 
Consumer real estate:                  
HELOC    59   9,072   9,030  168   20,918   20,817 
R/E installment loans   63   15,258   15,391  146   20,650   20,856 
Total consumer real estate   122   24,330   24,421  314   41,568   41,673 
Permanent mortgage    -   -   -  85   54,403   57,291 
Credit card & other:                  
Credit card   24   105   102  72   312   301 
Total credit card & other   24   105   102  72   312   301 
Total troubled debt restructurings   154 $ 30,489 $ 30,559  499 $ 122,382 $ 125,341 
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months
 Three Months Ended Nine Months Ended
 September 30, 2012  September 30, 2012
    Recorded    Recorded
(Dollars in thousands)Number Investment Number Investment
Commercial (C&I):           
General C&I  9 $ 8,559   27 $ 21,618
Loans to Mortgage Companies -  -  -  -
TRUPs -  -  -  -
Total commercial (C&I)  9   8,559   27   21,618
Commercial real estate:           
Income CRE  9   10,396   19   18,840
Residential CRE  1   73   3   259
Total commercial real estate  10   10,469   22   19,099
Consumer real estate:           
HELOC  15   1,749   31   3,379
R/E installment loans  4   210   33   3,392
Total consumer real estate  19   1,959   64   6,771
Permanent mortgage  6   2,743   9   3,515
Credit card & other:           
Credit card  4   17   19   69
Other -  -  -  -
Total credit card & other  4   17   19   69
Total troubled debt restructurings  48 $ 23,747   141 $ 51,072

 Three Months Ended Nine Months Ended
 September 30, 2011 September 30, 2011
    Recorded    Recorded
(Dollars in thousands)Number Investment Number Investment
Commercial (C&I):           
General C&I  19 $ 13,978   40 $ 30,348
Loans to Mortgage Companies -  -  -  -
TRUPs -  -  -  -
Total commercial (C&I)  19   13,978   40   30,348
Commercial real estate:           
Income CRE  7   12,134   23   24,427
Residential CRE  3   766   15   18,290
Total commercial real estate  10   12,900   38   42,717
Consumer real estate:           
HELOC  7   1,088   32   5,081
R/E installment loans  5   566   23   2,033
Total consumer real estate  12   1,654   55   7,114
Permanent mortgage  4   2,970   36   37,448
Credit card & other:           
Credit card  1   72   35   3,766
Other -  -  -  -
Total credit card & other  1   72   35   3,766
Total troubled debt restructurings  46 $ 31,574   204 $ 121,393