Loans sales and securitizations (Tables)

3 Months Ended

Jun. 30, 2015

Loan Sales and Securitizations [Abstract]

Summarizes activity relating to loans securitized sold with servicing retained

			Three Months Ended				Six Months Ended
			June 30,				June 30,
(dollar amounts in thousands)			2015		2014		2015		2014
Residential mortgage loans sold with servicing retained		$	938,412	$	566,471	$	1,569,096	$	1,048,308
Pretax gains resulting from above loan sales (1)			27,471		14,996		42,334		27,072
(1)	Recorded in mortgage banking income.

			Three Months Ended				Six Months Ended
			June 30,				June 30,
(dollar amounts in thousands)			2015		2014		2015		2014
Automobile loans securitized with servicing retained		$	750,000	$	---	$	750,000	$	---
Pretax gains resulting from above loan sales (1)			5,333		---		5,333		---
(1)	Recorded in gain on sale of loans.

			Three Months Ended				Six Months Ended
			June 30,				June 30,
(dollar amounts in thousands)			2015		2014		2015		2014
SBA loans sold with servicing retained		$	53,534	$	45,229	$	95,935	$	86,101
Pretax gains resulting from above loan sales (1)			4,696		5,396		8,270		9,772
(1)	Recorded in gain on sale of loans.

Summarizes activity relating to loans sold with servicing retained using the fair value method

			Three Months Ended				Six Months Ended
Fair Value Method:			June 30,				June 30,
(dollar amounts in thousands)			2015		2014		2015		2014
Fair value, beginning of period		$	20,455	$	30,628	$	22,786	$	34,236
Change in fair value during the period due to:
	Time decay (1)		(332)		(656)		(671)		(1,381)
	Payoffs (2)		(997)		(1,611)		(1,815)		(3,525)
	Changes in valuation inputs or assumptions (3)		1,555		(1,614)		381		(2,583)
Fair value, end of period:		$	20,681	$	26,747	$	20,681	$	26,747
Weighted-average life (years)			5.1		3.9		5.1		3.9
(1)	Represents decrease in value due to passage of time, including the impact from both regularly scheduled loan principal payments and partial loan paydowns.
(2)	Represents decrease in value associated with loans that paid off during the period.
(3)	Represents change in value resulting primarily from market-driven changes in interest rates and prepayment speeds.

Summarizes activity relating to loans sold with servicing retained using the amortization method

		Three Months Ended				Six Months Ended
Amortization Method:		June 30,				June 30,
(dollar amounts in thousands)		2015		2014		2015		2014
Carrying value, beginning of period	$	125,454	$	132,651	$	132,813	$	128,064
New servicing assets created		10,338		5,578		16,792		10,631
Servicing assets acquired		---		---		---		3,505
Impairment (charge) / recovery		12,970		(3,685)		4,980		(7,027)
Amortization and other		(5,635)		(1,431)		(11,458)		(2,060)
Carrying value, end of period	$	143,127	$	133,113	$	143,127	$	133,113
Fair value, end of period	$	143,434	$	139,915	$	143,434	$	139,915
Weighted-average life (years)		6.5		5.9		6.5		5.9

		Three Months Ended				Six Months Ended
		June 30,				June 30,
(dollar amounts in thousands)		2015		2014		2015		2014
Carrying value, beginning of period	$	17,947	$	17,028	$	18,536	$	16,865
New servicing assets created		1,839		1,526		3,296		2,861
Amortization and other		(1,514)		(1,362)		(3,560)		(2,534)
Carrying value, end of period	$	18,272	$	17,192	$	18,272	$	17,192
Fair value, end of period	$	20,350	$	17,192	$	20,350	$	17,192
Weighted-average life (years)		3.3		3.5		3.3		3.5

Summary of key assumptions and the sensitivity of the servicing rights value to changes in the assumptions

	June 30, 2015							December 31, 2014
					Decline in fair value due to						Decline in fair value due to
					10%		20%				10%		20%
					adverse		adverse				adverse		adverse
(dollar amounts in thousands)		Actual			change		change	Actual			change		change
Constant prepayment rate (annualized)		13.60	%	$	(955)	$	(1,833)	15.60	%	$	(1,176)	$	(2,248)
Spread over forward interest rate swap rates		597	bps		(659)		(1,277)	546	bps		(699)		(1,355)

	June 30, 2015							December 31, 2014
					Decline in fair value due to						Decline in fair value due to
					10%		20%				10%		20%
					adverse		adverse				adverse		adverse
(dollar amounts in thousands)		Actual			change		change	Actual			change		change
Constant prepayment rate (annualized)		9.80	%	$	(4,935)	$	(9,525)	11.40	%	$	(5,289)	$	(10,164)
Spread over forward interest rate swap rates		969	bps		(4,776)		(9,240)	856	bps		(4,343)		(8,403)

	June 30, 2015							December 31, 2014
					Decline in fair value due to						Decline in fair value due to
					10%		20%				10%		20%
					adverse		adverse				adverse		adverse
(dollar amounts in thousands)		Actual			change		change	Actual			change		change
Constant prepayment rate (annualized)		15.60	%	$	(622)	$	(1,203)	14.62	%	$	(305)	$	(496)
Spread over forward interest rate swap rates		500	bps		(15)		(30)	500	bps		(2)		(4)

	June 30, 2015						December 31, 2014
				Decline in fair value due to						Decline in fair value due to
				10%		20%				10%		20%
				adverse		adverse				adverse		adverse
(dollar amounts in thousands)	Actual			change		change	Actual			change		change
Constant prepayment rate (annualized)	7.70	%	$	(287)	$	(569)	5.60	%	$	(211)	$	(419)
Discount rate	1,500	bps		(547)		(1,071)	1,500	bps		(563)		(1,102)