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Loans (Tables)
 3 Months Ended
Mar. 31, 2017
Loans [Abstract]  
Schedule Of Loans By Portfolio Segment
The following table provides the balance of loans by portfolio segment as of March 31, 2017 and December 31, 2016:
  March 31December 31
(Dollars in thousands)   2017  2016
Commercial:    
Commercial, financial, and industrial  $11,703,996  $12,148,087
Commercial real estate  2,173,311  2,135,523
Consumer:    
Consumer real estate (a)4,456,811  4,523,752
Permanent mortgage409,235  423,125
Credit card & other346,721  359,033
Loans, net of unearned income$19,090,074  $19,589,520
Allowance for loan losses201,968  202,068
Total net loans  $18,888,106  $19,387,452

Balances as of March 31, 2017 and December 31, 2016, include $32.5 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 months ended March 31, 2017 and 2016:
Three Months Ended
March 31
(Dollars in thousands)20172016
Balance, beginning of period$6,871$8,542
Accretion(851)(1,151)
Adjustment for payoffs(273)(1,777)
Adjustment for charge-offs-(663)
Adjustment for pool excess recovery (a)(222)-
Increase/(decrease) in accretable yield (b)(295)4,007
Other(32)-
Balance, end of period$5,198$8,958

  • Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.
  • 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]
The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of March 31, 2017 and December 31, 2016:
March 31, 2017December 31, 2016
(Dollars in thousands)Carrying valueUnpaid balanceCarrying valueUnpaid balance
Commercial, financial and industrial $38,088$39,257$40,368$41,608
Commercial real estate 4,0965,4664,7636,514
Consumer real estate 1,0721,4421,1721,677
Credit card and other 53645264
Total $43,309$46,229$46,355$49,863
Information By Class Related To Individually Impaired Loans
The following tables provide information at March 31, 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, before valuation allowance but which does reflect any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPs valuation allowance have been excluded.
Three Months Ended March 31
March 31, 2017
20172016
  Unpaid  AverageInterestAverageInterest
RecordedPrincipalRelatedRecordedIncomeRecordedIncome
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognizedInvestmentRecognized
Impaired loans with no related allowance recorded:      
Commercial:      
General C&I$10,395  $16,612  $-$10,407  $-$9,224  $-
Income CRE-  -  --  -2,468  -
Total$10,395  $16,612  $-$10,407  $-$11,692  $-
Consumer:        
HELOC (a)$10,724  $22,020  $-$11,054  $-$10,921  $-
R/E installment loans (a)3,916  4,987  -3,937  -4,434  -
Permanent mortgage (a)5,803  8,607  -5,557  -4,436  -
Total$20,443  $35,614  $-$20,548  $-$19,791  $-
Impaired loans with related allowance recorded:        
Commercial:        
General C&I$31,392  $31,532  $2,850$32,863  $215$24,921  $87
TRUPS3,183  3,700  9253,196  -3,323  -
Income CRE1,803  2,181  611,817  145,138  20
Residential CRE1,293  1,761  1311,293  51,397  6
Total$37,671  $39,174  $3,967$39,169  $234$34,779  $113
Consumer:        
HELOC$81,438  $83,888  $16,641$83,075  $564$88,580  $487
R/E installment loans50,394  51,317  12,06051,902  31859,971  317
Permanent mortgage82,940  94,755  11,53285,778  61595,232  547
Credit card & other269  269  122288  2360  3
Total$215,041  $230,229  $40,355$221,043  $1,499$244,143  $1,354
Total commercial$48,066  $55,786  $3,967$49,576  $234$46,471  $113
Total consumer$235,484  $265,843  $40,355$241,591  $1,499$263,934  $1,354
Total impaired loans$283,550  $321,629  $44,322$291,167  $1,733$310,405  $1,467

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

December 31, 2016
  Unpaid  Average  Interest
RecordedPrincipalRelatedRecordedIncome
(Dollars in thousands)InvestmentBalanceAllowanceInvestmentRecognized
Impaired loans with no related allowance recorded:          
Commercial:      
General C&I$10,419  $16,636  $-$12,009  $-
Income CRE-  -  -1,543  -
Total$10,419  $16,636  $-$13,552  $-
Consumer:      
HELOC (a)$11,383  $21,662  $-$11,168  $-
R/E installment loans (a)3,957  4,992  -4,255  -
Permanent mortgage (a)5,311  7,899  -4,418  -
Total$20,651  $34,553  $-$19,841  $-
Impaired loans with related allowance recorded:      
Commercial:      
General C&I$34,334  $34,470  $3,294$30,836  $902
TRUPS3,209  3,700  9253,274  -
Income CRE1,831  2,209  623,757  70
Residential CRE1,293  1,761  1321,360  22
Total$40,667  $42,140  $4,413$39,227  $994
Consumer:      
HELOC$84,711  $87,126  $15,927$87,659  $2,092
R/E installment loans53,409  54,559  12,87557,906  1,370
Permanent mortgage88,615  100,983  12,47091,838  2,310
Credit card & other306  306  133345  13
Total$227,041  $242,974  $41,405$237,748  $5,785
Total commercial$51,086  $58,776  $4,413$52,779  $994
Total consumer$247,692  $277,527  $41,405$257,589  $5,785
Total impaired loans$298,778  $336,303  $45,818$310,368  $6,779

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 March 31, 2017 and December 31, 2016:
March 31, 2017
Loans to      Allowance
GeneralMortgageIncomeResidentialPercentagefor Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalof TotalLosses
PD Grade:      
1$478,025$-$-$610  $-  $478,635  3%$78
2891,450--11,293  81  902,824  7442
3403,403398,860-160,115  -  962,378  7239
4998,015227,257-242,069  221  1,467,562  11879
51,269,384139,434-426,147  333  1,835,298  137,260
61,535,573521,253-368,073  8,072  2,432,971  1710,600
71,479,242169,444-396,654  2,161  2,047,501  1512,767
81,042,77249,588-352,370  4,383  1,449,113  1024,532
9641,4634,643-82,734  3,357  732,197  514,396
10344,6334,499-35,489  9,695  394,316  38,510
11228,258--17,501  5,454  251,213  26,289
12162,23813,956-15,831  2,965  194,990  16,862
13115,844-304,2364,755  128  424,963  33,757
14,15,16197,23048-14,395  1,183  212,856  223,177
Collectively evaluated for impairment9,787,5301,528,982304,2362,128,036  38,033  13,786,817  99119,788
Individually evaluated for impairment41,787-3,1831,803  1,293  48,066  13,967
Purchased credit-impaired loans38,278--4,0529442,424-240
Total commercial loans$9,867,595$1,528,982$307,419$2,133,891  $39,420  $13,877,307  100%$123,995

December 31, 2016
  Loans to          Allowance
GeneralMortgageIncomeResidentialPercentagefor Loan
(Dollars in thousands)C&ICompaniesTRUPS (a)CRECRETotalof TotalLosses
PD Grade:            
1$465,179$-$-$1,078  $-  $466,257  3%$77
2791,183--11,742  87  803,012  6403
3491,386462,486-153,670  -  1,107,542  8304
4978,282332,107-222,422  -  1,532,811  11953
51,232,401275,209-365,653  702  1,873,965  136,670
61,540,519614,109-338,344  9,338  2,502,310  1710,403
71,556,117317,283-352,390  2,579  2,228,369  1614,010
8963,35930,974-425,503  2,950  1,422,786  1025,986
9611,7744,299-105,277  4,417  725,767  513,857
10355,3598,663-50,484  9,110  423,616  38,400
11238,230--20,600  6,541  265,371  26,556
12170,531--15,395  4,168  190,094  16,377
13121,276-304,2366,748  311  432,571  34,225
14,15,16194,57259-16,313  1,659  212,603  120,297
Collectively evaluated for impairment9,710,168  2,045,189  304,236  2,085,619  41,862  14,187,074  99  118,518
Individually evaluated for impairment44,753-3,2091,831  1,293  51,086  1  4,413
Purchased credit-impaired loans40,532--4,58333545,450-319
Total commercial loans$9,795,453  $2,045,189  $307,445  $2,092,033  $43,490  $14,283,610  100% $123,250

Balances as of March 31, 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 March 31, 2017 and December 31, 2016:
March 31, 2017December 31, 2016
HELOCR/E Installment LoansPermanent MortgageHELOCR/E Installment LoansPermanent Mortgage
FICO score 740 or greater57.6%70.1%45.5%56.9%70.3%45.0%
FICO score 720-7398.88.08.78.88.39.5
FICO score 700-7198.27.29.58.66.89.2
FICO score 660-69912.69.016.813.28.417.1
FICO score 620-6595.73.08.95.63.59.1
FICO score less than 620 (a)7.12.710.66.92.710.1
Total100.0%100.0%100.0%100.0%100.0%100.0%

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 March 31, 2017:
Accruing  Non-Accruing  
  30-89  90+      30-89  90+  Total
DaysDaysTotalDaysDaysNon-Total
(Dollars in thousands)Current Past DuePast DueAccruingCurrent Past DuePast DueAccruingLoans
Commercial (C&I):                
General C&I$9,781,688  $20,073  $101  $9,801,862  $14,511  $113  $12,831  $27,455  $9,829,317
Loans to mortgage companies1,528,934  -  -  1,528,934  -  -  48  48  1,528,982
TRUPS (a)304,236  -  -  304,236  -  -  3,183  3,183  307,419
Purchased credit-impaired loans38,045  8  225  38,278  -  -  -  -  38,278
Total commercial (C&I)11,652,90320,08132611,673,31014,511  113  16,062  30,68611,703,996
Commercial real estate:                
Income CRE2,128,111  128  -  2,128,239  100  -  1,500  1,600  2,129,839
Residential CRE38,531  -  -  38,531  -  -  795  795  39,326
Purchased credit-impaired loans3,605  541  -  4,146  -  -  -  -  4,146
Total commercial real estate2,170,247669  -2,170,916100  -  2,2952,3952,173,311
Consumer real estate:                
HELOC1,521,042  16,612  10,247  1,547,901  46,661  4,187  8,345  59,193  1,607,094
R/E installment loans2,814,663  7,056  4,427  2,826,146  17,477  1,993  2,679  22,149  2,848,295
Purchased credit-impaired loans1,328  -  94  1,422  -  -  -  -  1,422
Total consumer real estate4,337,033  23,668  14,768  4,375,469  64,138  6,180  11,024  81,342  4,456,811
Permanent mortgage369,882  4,802  5,718  380,402  14,166  1,006  13,661  28,833  409,235
Credit card & other:                
Credit card182,129  1,393  1,449  184,971  -  -  -  -  184,971
Other160,929  482  150  161,561  -  -  136  136  161,697
Purchased credit-impaired loans53--53----53
Total credit card & other343,111  1,875  1,599  346,585  -  -  136  136  346,721
Total loans, net of unearned income$18,873,176  $51,095  $22,411  $18,946,682  $92,915  $7,299  $43,178  $143,392  $19,090,074

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  
30-8990+30-8990+Total 
   Days  Days  Total     Days  Days  Non-  Total
(Dollars in thousands) CurrentPast DuePast DueAccruingCurrentPast DuePast DueAccruingLoans
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 companies2,041,408  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 loans40,113  185  234  40,532  -  -  -  -  40,532
Total commercial (C&I)12,105,9889,10625712,115,35116,106  374  16,256  32,73612,148,087
Commercial real estate:                
Income CRE2,085,455  14  -  2,085,469  232  460  1,289  1,981  2,087,450
Residential CRE42,182  178  -  42,360  -  -  795  795  43,155
Purchased credit-impaired loans4,809  109  -  4,918  -  -  -  -  4,918
Total commercial real estate2,132,446301  -2,132,747232  460  2,0842,7762,135,523
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 loans2,794,866  7,844  5,158  2,807,868  17,989  2,383  2,353  22,725  2,830,593
Purchased credit-impaired loans1,319  164  93  1,576  -  -  -  -  1,576
Total consumer real estate4,398,825  26,005  16,110  4,440,940  64,953  6,584  11,275  82,812  4,523,752
Permanent mortgage385,972  4,544  5,428  395,944  11,867  2,194  13,120  27,181  423,125
Credit card & other:                
Credit card188,573  1,622  1,456  191,651  -  -  -  -  191,651
Other166,062  992  134  167,188  -  -  142  142  167,330
Purchased credit-impaired loans52--52----52
Total credit card & other354,687  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

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 months ended March 31, 2017 and 2016:
March 31, 2017March 31, 2016
  Pre-Modification  Post-ModificationPre-ModificationPost-Modification
OutstandingOutstandingOutstandingOutstanding
(Dollars in thousands) NumberRecorded InvestmentRecorded InvestmentNumberRecorded InvestmentRecorded Investment
Commercial (C&I):        
General C&I1  $27  $371  $708  $708
Total commercial (C&I)1  27  371  708  708
Consumer real estate:        
HELOC 35  2,589  2,47399  7,440  7,370
R/E installment loans14  957  90215  898  895
Total consumer real estate49  3,546  3,375114  8,338  8,265
Permanent mortgage 5  1,310  1,303-  -  -
Credit card & other6  21  20419  18
Total troubled debt restructurings61  $4,904  $4,735119  $9,065  $8,991
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months
The following tables present TDRs which re-defaulted during the three months ended March 31, 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.
March 31, 2017March 31, 2016
  RecordedRecorded
(Dollars in thousands)NumberInvestmentNumberInvestment
Commercial (C&I):    
General C&I1  $5,779  -  $-
Total commercial (C&I)1  5,779  -  -
Consumer real estate:    
HELOC4  685  1  36
Total consumer real estate4  685  1  36
Credit card & other2  7  -  -
Total troubled debt restructurings7  $6,471  1  $36