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Loans (Tables)
 6 Months Ended
Jun. 30, 2013
Loans [Abstract]  
Schedule Of Loans By Portfolio Segment
The following table provides the balance of loans by portfolio segment as of June 30, 2013 and 2012, and December 31, 2012:
           
    June 30 December 31 
(Dollars in thousands)   2013 2012 2012 
Commercial:           
 Commercial, financial, and industrial  $8,367,161 $7,981,365 $8,796,956 
 Commercial real estate           
  Income CRE 1,171,901  1,224,944  1,109,930 
  Residential CRE 46,305  89,225  58,305 
Retail:           
 Consumer real estate (a) 5,549,440  5,855,564  5,688,703 
 Permanent mortgage (b) 746,154  755,707  765,583 
 Credit card & other 316,085  278,958  289,105 
Loans, net of unearned income$16,197,046 $16,185,763 $16,708,582 
Allowance for loan losses 261,934  321,051  276,963 
Total net loans  $15,935,112 $15,864,712 $16,431,619 

  • Balances as of June 30, 2013 and 2012, and December 31, 2012 include $367.0 million, $447.5 million and $402.4 million of restricted and secured real estate loans, respectively. See Note 13 - Variable Interest Entities for additional information.
  • Balances as of June 30, 2013 and 2012, and December 31, 2012 include $12.4 million, $16.9 million and $13.2 million of restricted and secured real estate loans, respectively. See Note 13 - Variable Interest Entities for additional information.
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period [Table Text Block]

The following table reflects the contractually required payments receivable, cash flows expected to be collected, and the fair value of purchase credit impaired loans at the acquisition date of June 7, 2013.

 

(Dollars in thousands)  
Contractually required payments including interest$ 69,264 
Less: nonaccretable difference  (21,914) 
Cash flows expected to be collected  47,350 
Less: accretable yield  (4,464) 
Fair value of loans acquired$ 42,886 
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 six months ended June 30, 2013: 
    
 Three and Six Months Ended 
(Dollars in thousands)June 30, 2013 
Balance, beginning of period$ -  
Impact of acquisition/purchase on June 7, 2013  4,464 
Accretion  (121) 
Balance, end of period$ 4,343 
Schedule Of Acquired Purchase Credit Impaired Loans By Portfolio Segment [Table Text Block]
Given the short period of time from acquisition date through June 30, 2013, estimated cash flows were not revised at period-end and consequently, there were no additions to the allowance for loan losses or adjustments to the nonaccretable difference or accretable yield. The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of June 30, 2013: 
       
 June 30, 2013 
(Dollars in thousands)Ending balance Unpaid balance 
Commercial, financial and industrial$ 3,586 $ 4,312 
Commercial real estate  37,347   56,375 
Consumer real estate  682   958 
Credit card and other  18   26 
Total$ 41,633 $ 61,671 
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 six months ended June 30, 2013 and 2012: 
    CommercialConsumerPermanentCredit Card   
(Dollars in thousands)C&IReal EstateReal EstateMortgageand Other Total 
Balance as of April 1, 2012$ 119,578$ 46,049$ 141,647$ 32,572$ 6,170$ 346,016 
Charge-offs  (10,159)  (4,002)  (29,136)  (3,071)  (3,360)  (49,728) 
Recoveries  2,162  1,043  5,175  648  735  9,763 
Provision  (936)  (1,544)  15,735  (1,037)  2,782  15,000 
Balance as of June 30, 2012  110,645  41,546  133,421  29,112  6,327  321,051 
Balance as of January 1, 2012  130,413  55,586  165,077  26,194  7,081  384,351 
Charge-offs  (16,233)  (13,621)  (63,269)  (7,709)  (5,979)  (106,811) 
Recoveries  6,676  1,539  9,314  1,171  1,811  20,511 
Provision  (10,211)  (1,958)  22,299  9,456  3,414  23,000 
Balance as of June 30, 2012  110,645  41,546  133,421  29,112  6,327  321,051 
Allowance - individually evaluated for impairment  31,458  7,707  32,688  24,131  221  96,205 
Allowance - collectively evaluated for impairment  79,187  33,839  100,733  4,981  6,106  224,846 
Loans, net of unearned as of June 30, 2012:             
 Individually evaluated for impairment  155,863  92,645  125,040  119,537  933  494,018 
 Collectively evaluated for impairment  7,825,502  1,221,524  5,730,524  636,170  278,025  15,691,745 
Total loans, net of unearned   7,981,365  1,314,169  5,855,564  755,707  278,958  16,185,763 
Balance as of April 1, 2013  86,105  15,138  131,417  25,448  7,110  265,218 
Charge-offs  (6,896)  (716)  (18,384)  (1,824)  (2,452)  (30,272) 
Recoveries  4,101  1,470  5,030  624  763  11,988 
Provision  10,192  (1,961)  2,785  2,855  1,129  15,000 
Balance as of June 30, 2013   93,502  13,931  120,848  27,103  6,550  261,934 
Balance as of January 1, 2013  96,191  19,997  128,949  24,928  6,898  276,963 
Charge-offs  (11,332)  (2,097)  (42,380)  (5,211)  (5,352)  (66,372) 
Recoveries  6,597  2,116  10,534  768  1,328  21,343 
Provision  2,046  (6,085)  23,745  6,618  3,676  30,000 
Balance as of June 30, 2013   93,502  13,931  120,848  27,103  6,550  261,934 
Allowance - individually evaluated for impairment  16,201  552  42,393  22,725  240  82,111 
Allowance - collectively evaluated for impairment  77,301  13,379  78,455  4,378  6,310  179,823 
Loans, net of unearned as of June 30, 2013:             
 Individually evaluated for impairment  118,081  40,856  178,198  139,665  717  477,517 
 Collectively evaluated for impairment  8,245,494  1,140,003  5,370,560  606,489  315,350  15,677,896 
 Purchased credit impaired loans  3,586  37,347  682  -   18  41,633 
Total loans, net of unearned $ 8,367,161$ 1,218,206$ 5,549,440$ 746,154$ 316,085$ 16,197,046 
Information By Class Related To Individually Impaired Loans
Impaired Loans                     
                       
The following tables provide information at June 30, 2013 and 2012, 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. 
              
           Three Months Ended Six Months Ended 
  June 30, 2013 June 30, 2013 June 30, 2013 
     Unpaid    Average Interest Average Interest 
  RecordedPrincipalRelatedRecorded Income Recorded Income 
(Dollars in thousands)InvestmentBalanceAllowanceInvestment Recognized Investment Recognized 
Impaired loans with no related allowance recorded:                   
Commercial:                     
 General C&I$47,432 $55,225 $ -  $54,140 $ 28 $53,873 $ 108 
 TRUPs 6,500  6,500   -   8,250   -   15,250   -  
 Income CRE 22,978  33,744   -   25,557   93  28,389   168 
 Residential CRE 10,967  15,997   -   12,630   59  12,803   122 
 Total$87,877 $111,466 $0 $100,577 $ 180 $110,315 $ 398 
Retail:                     
 HELOC (a)$19,709 $37,715 $ -  $20,383 $ -  $20,023 $ -  
 R/E installment loans (a) 12,193  14,150   -   12,761   -   11,258   -  
 Permanent mortgage 14,796  14,796   -   14,715   -   13,206   -  
 Total$46,698 $66,661 $0 $47,859 $ -  $44,487 $ -  
Impaired loans with related allowance recorded:                   
Commercial:                     
 General C&I$24,216 $30,555 $2,434 $13,985 $ 37 $17,258 $ 37 
 TRUPs 43,700  43,700  13,768  41,950   -   38,700   -  
 Income CRE 4,830  6,129  441  2,950   15  2,954   26 
 Residential CRE 2,081  3,944  111  1,041   16  521   16 
 Total$74,827 $84,328 $16,754 $59,926 $ 68 $59,433 $ 79 
Retail:                     
 HELOC$67,672 $67,672 $18,122 $65,369 $ 464 $63,661 $ 890 
 R/E installment loans 78,624  78,624  24,271  73,549   404  74,157   689 
 Permanent mortgage 124,869  124,869  22,725  123,332   705  124,280   1,388 
 Credit card & other 717  717  240  732   8  767   16 
 Total$271,882 $271,882 $65,358 $262,982 $ 1,581 $262,865 $ 2,983 
Total commercial$162,704 $195,794 $16,754 $160,503 $ 248 $169,748 $ 477 
Total retail$318,580 $338,543 $65,358 $310,841 $ 1,581 $307,352 $ 2,983 
Total impaired loans$481,284 $534,337 $82,112 $471,344 $ 1,829 $477,100 $ 3,460 

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

           Three Months Ended Six Months Ended 
  June 30, 2012 June 30, 2012 June 30, 2012 
     Unpaid    Average Interest Average Interest 
  RecordedPrincipalRelatedRecordedIncome RecordedIncome 
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognized InvestmentRecognized 
Impaired loans with no related allowance recorded:                   
Commercial:                     
 General C&I$62,122 $81,423 $ -  $62,858 $ 204 $68,551 $ 407 
 TRUPs 47,000  47,000   -   47,000   -   47,000   -  
 Income CRE 51,375  92,153   -   57,783   76  59,514   153 
 Residential CRE 22,341  39,993   -   23,276   62  23,316   134 
 Total$182,838 $260,569 $ -  $190,917 $ 342 $198,381 $ 694 
Impaired loans with related allowance recorded:                   
Commercial:                     
 General C&I$18,948 $18,948 $7,629 $15,889 $ 33 $16,696 $ 67 
 TRUPs 33,700  33,700  23,829  33,700   -   33,700   -  
 Income CRE 1,529  1,577  189  1,869   14  1,876   29 
 Residential CRE 17,400  17,400  7,518  18,457   -   19,276   -  
 Total$71,577 $71,625 $39,165 $69,915 $ 47 $71,548 $ 96 
Retail:                     
 HELOC$57,175 $57,175 $13,903 $54,793 $ 411 $53,547 $ 784 
 R/E installment loans 67,865  67,865  18,785  66,505   276  69,036   541 
 Permanent mortgage 119,537  119,537  24,131  110,785   734  96,300   1,390 
 Credit card & other 933  933  221  980   10  1,025   21 
 Total$245,510 $245,510 $ 57,040 $233,063 $ 1,431 $219,908 $ 2,736 
Total commercial$254,415 $332,194 $39,165 $260,832 $ 389 $269,929 $ 790 
Total retail$245,510 $245,510 $57,040 $233,063 $ 1,431 $219,908 $ 2,736 
Total impaired loans$499,925 $577,704 $96,205 $493,895 $ 1,820 $489,837 $ 3,526 
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 June 30, 2013 and 2012: 
 June 30, 2013 
    Loans to                 Allowance 
 General Mortgage    IncomeResidential   Percentage  for Loan
(Dollars in thousands)C&I Companies TRUPS (a) CRECRETotal of Total  Losses
PD Grade:                         
1$ 227,858 $ -  $ -  $ -  $ -  $ 227,858  2% $ 75 
2  176,086   -    -    1,809   116   178,011  2    73 
3  186,420   -    -    5,520   -    191,940  2    207 
4  295,896   -    -    7,763   321   303,980  3    455 
5  658,296   -    -    33,783   128   692,207  7    1,321 
6  989,615   141,660   -    175,144   10,288   1,316,707  14    2,812 
7  1,023,498   379,727   -    218,459   2,292   1,623,976  17    3,469 
8  956,367   532,802   -    222,598   4,837   1,716,604  19    5,677 
9  665,510   286,958   -    127,895   1,134   1,081,497  11    9,779 
10  435,497   45,532   -    137,057   529   618,615  6    8,030 
11  428,761   -    -    40,635   1,238   470,634  5    10,336 
12  126,410   -    -    39,872   2,431   168,713  2    2,885 
13  151,532   -    332,708   32,488   768   517,496  5    9,013 
14,15,16  200,683   343   3,335   63,723   9,175   277,259  3    36,548 
Collectively evaluated for impairment  6,522,429   1,387,022   336,043   1,106,746   33,257   9,385,497  98    90,680 
Individually evaluated for impairment  71,648   -    46,433   27,808   13,048   158,937  2    16,753 
Total commercial loans$ 6,594,077 $ 1,387,022 $ 382,476 $ 1,134,554 $ 46,305 $ 9,544,434 (b) 100% $ 107,433 

 June 30, 2012 
    Loans to               Allowance 
 GeneralMortgage  IncomeResidential  Percent offor Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalTotalLosses
PD Grade:                       
1$ 203,162 $ -  $ -  $ -  $ -  $ 203,162  2% $ 47 
2  168,996   -    -    2,574   -    171,570 2   83 
3  137,719   -    -    12,153   -    149,872 2   83 
4  249,467   -    -    4,238   92   253,797 3   216 
5  538,967   -    -    34,141   288   573,396 6   1,172 
6  824,501   130,089   -    170,330   5,182   1,130,102 12   3,531 
7  965,468   541,878   -    143,177   4,847   1,655,370 18   8,688 
8  853,914   344,980   -    177,960   1,464   1,378,318 15   10,968 
9  651,755   227,737   -    168,392   1,383   1,049,267 11   10,298 
10  534,425   29,317   -    86,247   977   650,966 7   7,839 
11  468,608   -    -    126,599   2,094   597,301 6   11,065 
12  164,802   -    -    13,081   2,098   179,981 2   2,959 
13  162,088   -    338,180   62,625   4,380   567,273 6   8,942 
14,15,16  289,449   -    -    170,523   26,679   486,651 5   47,135 
Collectively evaluated for impairment 6,213,321   1,274,001   338,180   1,172,040   49,484  9,047,026  97   113,026 
Individually evaluated for impairment  81,070  0   74,793   52,904   39,741   248,508  3   39,165 
Total commercial loans$6,294,391 $ 1,274,001 $ 412,973 $1,224,944 $ 89,225 $9,295,534  100% $ 152,191 
Certain previously reported amounts have been reclassified to agree with current presentation. 

  • Balances as of June 30, 2013 and 2012, presented net of $29.9 million and $34.2 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".

  • Balance as of June 30, 2013, excludes PCI loans amounting to $40.9 million.
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 June 30, 2013 and 2012:
                    
HELOC                  
(Dollars in thousands) June 30, 2013 June 30, 2012 
     Average Average    Average Average 
  Period End OriginationRefreshedPeriod EndOriginationRefreshed
Origination VintageBalance FICOFICOBalanceFICOFICO
pre-2003$ 98,178  712  702 $ 153,428  721  715 
2003  186,941  730  719   249,536  733  724 
2004  447,817  727  718   546,681  728  719 
2005  572,954  733  720   679,687  734  720 
2006  421,023  740  726   500,840  741  726 
2007  441,879  744  728   521,706  746  731 
2008  240,776  754  747   279,200  755  749 
2009  126,901  751  743   163,683  753  750 
2010  128,058  753  750   159,522  754  753 
2011  124,889  759  755   155,018  759  757 
2012  153,692  759  759   79,029  761  760 
2013  72,772  760  759   -    -    -  
Total$3,015,880  740  730 $ 3,488,330  740  730 
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans
                    
R/E Installment LoansJune 30, 2013June 30, 2012
(Dollars in thousands)    Average Average    Average Average 
  Period End Origination Refreshed Period End Origination Refreshed 
Origination VintageBalance  FICO FICO Balance FICO FICO 
pre-2003$ 29,998  683  684 $ 46,628  688  686 
2003  90,764  718  728   134,820  721  731 
2004  61,949  702  705   84,741  708  705 
2005  183,982  717  712   239,744  719  714 
2006  197,308  716  704   261,208  720  706 
2007  283,175  726  711   364,488  728  712 
2008  98,690  724  719   131,770  729  725 
2009  46,487  746  740   77,922  750  749 
2010  138,621  747  753   173,949  746  754 
2011  365,971  760  762   449,788  761  759 
2012  727,688  764  764   402,176  765  763 
2013  308,927  759  758   -    -   - 
Total$2,533,560  745  742 $2,367,234  739  733 
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans
                    
Permanent MortgageJune 30, 2013June 30, 2012
(Dollars in thousands)    Average Average    Average Average 
  Period EndOriginationRefreshedPeriod EndOriginationRefreshed
Origination VintageBalanceFICOFICOBalanceFICOFICO
pre-2004 (a)$ 226,048  725  726 $ 139,097  724  733 
2004  26,804  714  692   49,133  715  688 
2005  43,459  737  713   54,680  740  715 
2006  86,655  733  712   100,164  735  708 
2007  248,727  733  711   279,185  733  705 
2008  114,461  742  713   133,448  742  713 
Total$ 746,154  731  713 $ 755,707  733  711 
                    

  • Increase in 2013 balance within the pre-2004 vintages reflect the impact of clean-up calls exercised by FHN during first quarter 2013 and third quarter 2012.

 
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 as of June 30:
             
 Credit Card Other 
(Dollars in thousands)2013 2012 2013 2012 
Accruing delinquent balances:            
30-89 days past due$ 1,475 $ 1,569 $ 371 $ 369 
90+ days past due  1,216   1,286   98   339 
Total$ 2,691 $ 2,855 $ 469 $ 708 
Accruing And Non-Accruing Loans By Class
The following table reflects accruing and non-accruing loans by class on June 30, 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$ 6,509,238 $ 9,812 $ 650 $ 6,519,700 $ 33,855 $ 8,398 $ 32,124 $ 74,377 $ 6,594,077 
Loans to mortgage companies  1,386,679   -   -   1,386,679   -   -   343   343   1,387,022 
TRUPs (a)  336,043   -   -   336,043   -   -   46,433   46,433   382,476 
Purchased credit impaired loans  3,586   -   -   3,586   -   -   -   -   3,586 
Total commercial C&I  8,235,546   9,812   650   8,246,008   33,855   8,398   78,900   121,153   8,367,161 
Commercial real estate:                           
Income CRE  1,105,815   5,001   463   1,111,279   4,403   -   18,872   23,275   1,134,554 
Residential CRE  35,995   203   -   36,198   748   -   9,359   10,107   46,305 
Purchased credit impaired loans  36,408   856   83   37,347   -   -   -   -   37,347 
Total commercial real estate  1,178,218   6,060   546   1,184,824   5,151   -   28,231   33,382   1,218,206 
Consumer real estate:                           
HELOC  2,896,298   24,339   15,830   2,936,467   62,663   5,549   11,201   79,413   3,015,880 
R/E installment loans  2,471,921   14,658   6,178   2,492,757   28,894   3,361   7,866   40,121   2,532,878 
Purchased credit impaired loans  527   155   -   682   -   -   -   -   682 
Total consumer real estate  5,368,746   39,152   22,008   5,429,906   91,557   8,910   19,067   119,534   5,549,440 
Permanent mortgage  689,059   12,211   6,529   707,799   15,161   1,421   21,773   38,355   746,154 
Credit card & other                           
Credit card  184,687   1,475   1,216   187,378   -   -   -   -   187,378 
Other  126,511   370   98   126,979   1,705   5   -   1,710   128,689 
Purchased credit impaired loans  17   1   -   18   -   -   -   -   18 
Total credit card & other  311,215   1,846   1,314   314,375   1,705   5   -   1,710   316,085 
Total loans, net of unearned$ 15,782,784 $ 69,081 $ 31,047 $ 15,882,912 $ 147,429 $ 18,734 $ 147,971 $ 314,134 $ 16,197,046 

  • Total TRUPs includes LOCOM valuation allowance of $29.9 million.

The following table reflects accruing and non-accruing loans by class on June 30, 2012: 
                            
 Accruing Non-Accruing   
    30-89 90+       30-89 90+ Total     
     Days Days Total     Days Days Non- Total  
(Dollars in thousands) CurrentPast DuePast DueAccruingCurrentPast DuePast DueAccruingLoans
Commercial (C&I):                           
General C&I$6,189,015 $21,152 $1,735 $6,211,902 $43,834 $7,752 $30,903 $82,489 $6,294,391 
Loans to mortgage companies 1,274,001   -    -   1,274,001   -    -    -    -   1,274,001 
TRUPs (a) 338,180   -    -   338,180   -    -   74,793  74,793  412,973 
Total commercial C&I 7,801,196  21,152  1,735  7,824,083  43,834  7,752  105,696  157,282  7,981,365 
Commercial real estate:                           
Income CRE 1,161,209  6,508   -   1,167,717  17,449  930  38,848  57,227  1,224,944 
Residential CRE 44,413  5,973   -   50,386  19,505  921  18,413  38,839  89,225 
Total commercial real estate 1,205,622  12,481   -   1,218,103  36,954  1,851  57,261  96,066  1,314,169 
Consumer real estate:                           
HELOC  3,410,676  31,603  20,401  3,462,680  13,852  1,906  9,892  25,650  3,488,330 
R/E installment loans 2,322,870  18,593  10,588  2,352,051  8,297  1,421  5,465  15,183  2,367,234 
Total consumer real estate 5,733,546  50,196  30,989  5,814,731  22,149  3,327  15,357  40,833  5,855,564 
Permanent mortgage 711,111  6,775  5,650  723,536  13,054  2,299  16,818  32,171  755,707 
Credit card & other                           
Credit card 181,792  1,569  1,286  184,647   -    -    -    -   184,647 
Other 91,535  369  339  92,243  268   -   1,800  2,068  94,311 
Total credit card & other 273,327  1,938  1,625  276,890  268   -   1,800  2,068  278,958 
Total loans, net of unearned$15,724,802 $92,542 $39,999 $15,857,343 $116,259 $15,229 $196,932 $328,420 $16,185,763 

  • Total TRUPs includes LOCOM valuation allowance of $34.2 million.
Schedule Of Troubled Debt Restructurings Occurring During The Year
The following tables reflect portfolio loans (excluding acquired loans) that were classified as TDRs during the three and six months ended June 30, 2013 and 2012: 
                  
  Three Months Ended June 30, 2013 Six Months Ended June 30, 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 3 $ 14,947 $ 14,941  8 $ 16,189 $ 16,179 
 Total commercial (C&I) 3   14,947   14,941  8   16,189   16,179 
Commercial real estate:                
Income CRE 1   288   288  1   288   288 
Residential CRE -    -    -   -    -    -  
 Total commercial real estate 1   288   288  1   288   288 
Consumer real estate:                
HELOC 92   8,758   8,734  207   16,517   16,285 
R/E installment loans 97   13,390   13,326  276   19,675   19,559 
 Total consumer real estate 189   22,148   22,060  483   36,192   35,844 
Permanent mortgage 14   8,306   8,385  26   13,043   13,237 
Credit card & other 17   92   89  28   154   148 
Total troubled debt restructurings 224 $ 45,781 $ 45,763  546 $ 65,866 $ 65,696 

  Three Months Ended June 30, 2012 Six Months Ended June 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 7 $ 17,538 $ 17,444  11 $ 18,121 $ 18,020 
 Total commercial (C&I) 7   17,538   17,444  11   18,121   18,020 
Commercial real estate:                
Income CRE 3   546   529  6   8,507   8,358 
Residential CRE 1   38   37  2   88   87 
 Total commercial real estate 4   584   566  8   8,595   8,445 
Consumer real estate:                
HELOC 60   6,562   6,522  94   10,643   10,595 
R/E installment loans 51   5,635   4,654  110   13,178   12,265 
 Total consumer real estate 111   12,197   11,176  204   23,821   22,860 
Permanent mortgage 24   19,774   19,998  62   49,667   50,062 
Credit card & other 140   871   841  162   962   928 
Total troubled debt restructurings 286 $ 50,964 $ 50,025  447 $ 101,166 $ 100,315 
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months

The following table presents TDRs which re-defaulted during the three and six months ended June 30, 2013 and 2012, 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 plus days past due.

  Three Months Ended Six Months Ended 
  June 30, 2013 June 30, 2013 
    Recorded   Recorded 
(Dollars in thousands)Number Investment Number Investment 
Commercial (C&I):          
General C&I 1 $ 220  3 $ 2,824 
 Total commercial (C&I) 1   220  3   2,824 
Commercial real estate:          
Income CRE -    -   -    -  
Residential CRE -    -   -    -  
 Total commercial real estate -    -   -    -  
Consumer real estate:          
HELOC 2   133  9   477 
R/E installment loans -    -   4   129 
 Total consumer real estate 2   133  13   606 
Permanent mortgage 1   211  10   4,609 
Credit card & other 6   26  8   31 
Total troubled debt restructurings 10 $ 590  34 $ 8,070 
Certain previously reported amounts have been reclassified to agree with current presentation.    

  Three Months Ended Six Months Ended 
  June 30, 2012 June 30, 2012 
    Recorded   Recorded 
(Dollars in thousands)Number Investment Number Investment 
Commercial (C&I):          
General C&I 11 $ 9,069  18 $ 13,059 
 Total commercial (C&I) 11   9,069  18   13,059 
Commercial real estate:          
Income CRE 5   6,086  10   8,444 
Residential CRE 1   136  2   186 
 Total commercial real estate 6   6,222  12   8,630 
Consumer real estate:          
HELOC 6   420  16   1,630 
R/E installment loans 11   1,476  29   3,182 
 Total consumer real estate 17   1,896  45   4,812 
Permanent mortgage 3   772  3   772 
Credit card & other 4   16  15   52 
Total troubled debt restructurings 41 $ 17,975  93 $ 27,325