Loans and Allowance for Credit Losses

Loans, Net of Unearned Income

Loans, net of unearned income are summarized as follows:



	June 30, 2014			December 31, 2013
	(in thousands)
Real-estate - commercial mortgage	$	5,128,734		$	5,101,922
Commercial - industrial, financial and agricultural	3,601,721			3,628,420
Real-estate - home equity	1,730,497			1,764,197
Real-estate - residential mortgage	1,361,976			1,337,380
Real-estate - construction	634,018			573,672
Consumer	280,557			283,124
Leasing and other	109,573			99,256
Overdrafts	3,251			4,045
Loans, gross of unearned income	12,850,327			12,792,016
Unearned income	(10,816		)	(9,796		)
Loans, net of unearned income	$	12,839,511		$	12,782,220

Allowance for Credit Losses

The allowance for credit losses consists of the allowance for loan losses and the reserve for unfunded lending commitments. The allowance for loan losses represents management’s estimate of incurred losses in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The reserve for unfunded lending commitments represents management’s estimate of incurred losses in its unfunded loan commitments and is recorded in other liabilities on the consolidated balance sheet. The allowance for credit losses is increased by charges to expense, through the provision for credit losses, and decreased by charge-offs, net of recoveries.

The Corporation’s allowance for credit losses includes: (1) specific allowances allocated to loans evaluated for impairment under the FASB's ASC Section 310-10-35; and (2) allowances calculated for pools of loans measured for impairment under FASB ASC Subtopic 450-20.

The Corporation segments its loan portfolio by general loan type, or "portfolio segments," as presented in the table under the heading, "Loans, Net of Unearned Income," above. Certain portfolio segments are further disaggregated and evaluated collectively for impairment based on "class segments," which are largely based on the type of collateral underlying each loan. For commercial loans, class segments include loans secured by collateral and unsecured loans. Construction loan class segments include loans secured by commercial real estate, loans to commercial borrowers secured by residential real estate and loans to individuals secured by residential real estate. Consumer loan class segments include direct consumer installment loans and indirect automobile loans.

The following table presents the components of the allowance for credit losses:



	June 30, 2014		December 31, 2013
	(in thousands)
Allowance for loan losses	$	191,685	$	202,780
Reserve for unfunded lending commitments	1,757		2,137
Allowance for credit losses	$	193,442	$	204,917

The following table presents the activity in the allowance for credit losses:



	Three months ended June 30						Six months ended June 30
	2014			2013			2014			2013
	(in thousands)
Balance at beginning of period	$	199,006		$	221,527		$	204,917		$	225,439
Loans charged off	(11,476		)	(21,383		)	(21,744		)	(43,489		)
Recoveries of loans previously charged off	2,412			3,982			4,269			7,176
Net loans charged off	(9,064		)	(17,401		)	(17,475		)	(36,313		)
Provision for credit losses	3,500			13,500			6,000			28,500
Balance at end of period	$	193,442		$	217,626		$	193,442		$	217,626

The following table presents the activity in the allowance for loan losses by portfolio segment:



	Real Estate - Commercial Mortgage			Commercial - Industrial, Financial and Agricultural			Real Estate - Home Equity			Real Estate - Residential Mortgage			Real Estate - Construction			Consumer			Leasing and other and overdrafts			Unallocated			Total
	(in thousands)
Three months ended June 30, 2014
Balance at March 31, 2014	$	53,757		$	50,563		$	32,460		$	33,329		$	9,842		$	3,324		$	2,011		$	11,803		$	197,089
Loans charged off	(2,141		)	(5,512		)	(1,234		)	(1,089		)	(218		)	(449		)	(833		)	—			(11,476		)
Recoveries of loans previously charged off	430			775			177			108			158			402			362			—			2,412
Net loans charged off	(1,711		)	(4,737		)	(1,057		)	(981		)	(60		)	(47		)	(471		)	—			(9,064		)
Provision for loan losses (1)	(2,204		)	3,258			638			396			1,549			29			311			(317		)	3,660
Balance at June 30, 2014	$	49,842		$	49,084		$	32,041		$	32,744		$	11,331		$	3,306		$	1,851		$	11,486		$	191,685
Three months ended June 30, 2013
Balance at March 31, 2013	$	63,985		$	56,672		$	23,701		$	33,484		$	16,004		$	2,286		$	2,787		$	21,122		$	220,041
Loans charged off	(5,193		)	(5,960		)	(1,966		)	(4,465		)	(2,597		)	(433		)	(769		)	—			(21,383		)
Recoveries of loans previously charged off	1,505			756			192			116			744			406			263			—			3,982
Net loans charged off	(3,688		)	(5,204		)	(1,774		)	(4,349		)	(1,853		)	(27		)	(506		)	—			(17,401		)
Provision for loan losses (1)	(1,601		)	6,089			3,809			3,549			320			238			644			743			13,791
Balance at June 30, 2013	$	58,696		$	57,557		$	25,736		$	32,684		$	14,471		$	2,497		$	2,925		$	21,865		$	216,431
Six months ended June 30, 2014
Balance at December 31, 2013	$	55,659		$	50,330		$	28,222		$	33,082		$	12,649		$	3,260		$	3,370		$	16,208		$	202,780
Loans charged off	(3,527		)	(10,637		)	(2,885		)	(1,935		)	(432		)	(1,200		)	(1,128		)	—			(21,744		)
Recoveries of loans previously charged off	474			1,519			533			224			382			611			526			—			4,269
Net loans charged off	(3,053		)	(9,118		)	(2,352		)	(1,711		)	(50		)	(589		)	(602		)	—			(17,475		)
Provision for loan losses (1)	(2,764		)	7,872			6,171			1,373			(1,268		)	635			(917		)	(4,722		)	6,380
Balance at June 30, 2014	$	49,842		$	49,084		$	32,041		$	32,744		$	11,331		$	3,306		$	1,851		$	11,486		$	191,685
Six months ended June 30, 2013
Balance at December 31, 2012	$	62,928		$	60,205		$	22,776		$	34,536		$	17,287		$	2,367		$	2,752		$	21,052		$	223,903
Loans charged off	(9,326		)	(15,462		)	(4,370		)	(7,515		)	(4,583		)	(983		)	(1,250		)	—			(43,489		)
Recoveries of loans previously charged off	2,569			1,135			523			197			1,415			912			425			—			7,176
Net loans charged off	(6,757		)	(14,327		)	(3,847		)	(7,318		)	(3,168		)	(71		)	(825		)	—			(36,313		)
Provision for loan losses (1)	2,525			11,679			6,807			5,466			352			201			998			813			28,841
Balance at June 30, 2013	$	58,696		$	57,557		$	25,736		$	32,684		$	14,471		$	2,497		$	2,925		$	21,865		$	216,431

(1)

The provision for loan losses excluded a $160,000 and $380,000 decrease, respectively, in the reserve for unfunded lending commitments for the three and six months ended June 30, 2014 and excluded a $291,000 and $341,000 decrease, respectively, in the reserve for unfunded lending commitments for the three and six months ended June 30, 2013. The total provision for credit losses, comprised of allocations for both funded and unfunded loans, was $3.5 million and $6.0 million, respectively, for the three and six months ended June 30, 2014 and $13.5 million and $28.5 million, respectively, for the three and six months ended June 30, 2013.

The following table presents loans, net of unearned income and their related allowance for loan losses, by portfolio segment:



	Real Estate - Commercial Mortgage		Commercial - Industrial, Financial and Agricultural		Real Estate - Home Equity		Real Estate - Residential Mortgage		Real Estate - Construction		Consumer		Leasing and other and overdrafts		Unallocated (1)		Total
	(in thousands)
Allowance for loan losses at June 30, 2014:
Measured for impairment under FASB ASC Subtopic 450-20	$	33,388	$	36,603	$	22,234	$	11,450	$	7,163	$	3,285	$	1,851	$	11,486	$	127,460
Evaluated for impairment under FASB ASC Section 310-10-35	16,454		12,481		9,807		21,294		4,168		21		—		N/A		64,225
	$	49,842	$	49,084	$	32,041	$	32,744	$	11,331	$	3,306	$	1,851	$	11,486	$	191,685

Loans, net of unearned income at June 30, 2014:
Measured for impairment under FASB ASC Subtopic 450-20	$	5,067,400	$	3,558,788	$	1,715,953	$	1,309,739	$	606,221	$	280,534	$	102,008	N/A		$	12,640,643
Evaluated for impairment under FASB ASC Section 310-10-35	61,334		42,933		14,544		52,237		27,797		23		—		N/A		198,868
	$	5,128,734	$	3,601,721	$	1,730,497	$	1,361,976	$	634,018	$	280,557	$	102,008	N/A		$	12,839,511

Allowance for loan losses at June 30, 2013:
Measured for impairment under FASB ASC Subtopic 450-20	$	43,405	$	42,354	$	16,114	$	9,841	$	9,572	$	2,479	$	2,925	$	21,865	$	148,555
Evaluated for impairment under FASB ASC Section 310-10-35	15,291		15,203		9,622		22,843		4,899		18		—		N/A		67,876
	$	58,696	$	57,557	$	25,736	$	32,684	$	14,471	$	2,497	$	2,925	$	21,865	$	216,431

Loans, net of unearned income at June 30, 2013:
Measured for impairment under FASB ASC Subtopic 450-20	$	4,788,274	$	3,649,857	$	1,745,208	$	1,259,558	$	572,537	$	300,212	$	91,402	N/A		$	12,407,048
Evaluated for impairment under FASB ASC Section 310-10-35	68,642		63,117		15,060		53,787		37,743		21		—		N/A		238,370
	$	4,856,916	$	3,712,974	$	1,760,268	$	1,313,345	$	610,280	$	300,233	$	91,402	N/A		$	12,645,418


(1)	The unallocated allowance, which was approximately 6% and 10% of the total allowance for credit losses as of June 30, 2014 and June 30, 2013, respectively, was, in the opinion of management, reasonable and appropriate given that the estimates used in the allocation process are inherently imprecise.

N/A – Not applicable.

Impaired Loans

A loan is considered to be impaired if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. Impaired loans consist of all loans on non-accrual status and accruing troubled debt restructurings (TDRs). An allowance for loan losses is established for an impaired loan if its carrying value exceeds its estimated fair value. Impaired loans to borrowers with total outstanding commitments greater than or equal to $1.0 million are evaluated individually for impairment. Impaired loans to borrowers with total outstanding commitments less than $1.0 million are pooled and measured for impairment collectively. As of June 30, 2014 and December 31, 2013, substantially all of the Corporation’s individually evaluated impaired loans with total outstanding balances greater than or equal to $1.0 million were measured based on the estimated fair value of each loan’s collateral. Collateral could be in the form of real estate, in the case of impaired commercial mortgages and construction loans, or business assets, such as accounts receivable or inventory, in the case of commercial and industrial loans. Commercial and industrial loans may also be secured by real property.

As of June 30, 2014 and 2013, approximately 79% and 86%, respectively, of impaired loans with principal balances greater than or equal to $1.0 million, whose primary collateral is real estate, were measured at estimated fair value using state certified third-party appraisals that had been updated within the preceding 12 months.

When updated certified appraisals are not obtained for loans to commercial borrowers evaluated for impairment under FASB ASC Section 310-10-35 that are secured by real estate, fair values are estimated based on the original appraisal values, as long as the original appraisal indicated a strong loan-to-value position and, in the opinion of the Corporation's internal loan evaluation staff, there has not been a significant deterioration in the collateral value since the original appraisal was performed. Original appraisals are typically used only when the estimated collateral value, as adjusted appropriately for the age of the appraisal, results in a current loan-to-value ratio that is lower than the Corporation's loan-to-value requirements for new loans, generally less than 70%.

The following table presents total impaired loans by class segment:



	June 30, 2014						December 31, 2013
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Unpaid Principal Balance		Recorded Investment		Related Allowance
	(in thousands)
With no related allowance recorded:
Real estate - commercial mortgage	$	26,692	$	22,832	$	—	$	28,892	$	24,494	$	—
Commercial - secured	27,737		22,524		—		23,890		21,383		—
Real estate - home equity	399		300		—		399		300		—
Real estate - residential mortgage	1,397		1,397		—		—		—		—
Construction - commercial residential	20,920		15,000		—		18,943		13,740		—
Construction - commercial	1,007		874		—		2,996		1,976		—
	78,152		62,927				75,120		61,893
With a related allowance recorded:
Real estate - commercial mortgage	47,919		38,502		16,454		43,282		35,830		14,444
Commercial - secured	28,337		19,537		11,844		34,267		22,324		13,315
Commercial - unsecured	930		872		637		1,113		1,048		752
Real estate - home equity	20,019		14,244		9,807		20,383		14,337		9,059
Real estate - residential mortgage	61,525		50,840		21,294		63,682		51,097		21,745
Construction - commercial residential	20,866		10,388		3,786		25,769		14,579		3,493
Construction - commercial	2,458		1,254		239		485		195		77
Construction - other	452		281		143		719		548		301
Consumer - direct	17		17		16		11		11		10
Consumer - indirect	6		6		5		2		2		2
	182,529		135,941		64,225		189,713		139,971		63,198
Total	$	260,681	$	198,868	$	64,225	$	264,833	$	201,864	$	63,198

As of June 30, 2014 and December 31, 2013, there were $62.9 million and $61.9 million, respectively, of impaired loans that did not have a related allowance for loan loss. The estimated fair values of the collateral for these loans exceeded their carrying amount, or they were previously charged down to realizable collateral values. Accordingly, no specific valuation allowance was considered to be necessary.

The following table presents average impaired loans by class segment:



	Three months ended June 30								Six months ended June 30
	2014				2013				2014				2013
	Average Recorded Investment		Interest Income Recognized (1)		Average Recorded Investment		Interest Income Recognized (1)		Average Recorded Investment		Interest Income Recognized (1)		Average Recorded Investment		Interest Income Recognized (1)
	(in thousands)
With no related allowance recorded:
Real estate - commercial mortgage	$	23,162	$	80	$	30,107	$	125	$	23,606	$	166	$	31,467	281
Commercial - secured	21,695		34		35,668		50		21,591		69		33,816		82
Commercial - unsecured	—		—		—		—		—		—		44		—
Real estate - home equity	300		1		205		—		300		1		237		1
Real estate - residential mortgage	857		5		1,494		9		571		6		1,158		21
Construction - commercial residential	17,853		62		22,267		71		16,482		122		22,694		134
Construction - commercial	1,418		—		3,151		—		1,604		—		3,995		2
	65,285		182		92,892		255		64,154		364		93,411		521
With a related allowance recorded:
Real estate - commercial mortgage	38,455		132		46,002		190		37,580		264		49,149		405
Commercial - secured	21,652		33		27,917		39		21,876		71		31,649		81
Commercial - unsecured	757		1		1,339		1		854		2		1,587		3
Real estate - home equity	14,049		28		14,260		16		14,145		48		13,787		32
Real estate - residential mortgage	51,153		300		53,222		309		51,134		594		53,351		634
Construction - commercial residential	7,676		27		12,458		40		9,977		62		11,582		82
Construction - commercial	723		—		1,921		—		547		—		2,064		3
Construction - other	413		—		496		—		458		—		523		1
Consumer - direct	16		—		18		—		14		—		22		—
Consumer - indirect	4		—		2		—		3		—		1		—
Leasing and other and overdrafts	—		—		23		—		—		—		18		—
	134,898		521		157,658		595		136,588		1,041		163,733		1,241
Total	$	200,183	$	703	$	250,550	$	850	$	200,742	$	1,405	$	257,144	1,762


(1)	All impaired loans, excluding accruing TDRs, were non-accrual loans. Interest income recognized for the three and six months ended June 30, 2014 and 2013 represents amounts earned on accruing TDRs.

Credit Quality Indicators and Non-performing Assets

The following table presents internal credit risk ratings for real estate - commercial mortgages, commercial - secured loans, commercial - unsecured loans, construction - commercial residential loans and construction - commercial loans:



	Pass						Special Mention						Substandard or Lower						Total
	June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013
	(dollars in thousands)
Real estate - commercial mortgage	$	4,850,227		$	4,763,987		$	115,220		$	141,013		$	163,287		$	196,922		$	5,128,734		$	5,101,922
Commercial - secured	3,145,100			3,167,168			128,824			111,613			126,790			125,382			3,400,714			3,404,163
Commercial - unsecured	172,054			209,836			23,681			11,666			5,272			2,755			201,007			224,257
Total commercial - industrial, financial and agricultural	3,317,154			3,377,004			152,505			123,279			132,062			128,137			3,601,721			3,628,420
Construction - commercial residential	154,366			146,041			28,412			31,522			47,031			57,806			229,809			235,369
Construction - commercial	327,310			258,441			1,470			2,932			6,415			8,124			335,195			269,497
Total construction (excluding Construction - other)	481,676			404,482			29,882			34,454			53,446			65,930			565,004			504,866
	$	8,649,057		$	8,545,473		$	297,607		$	298,746		$	348,795		$	390,989		$	9,295,459		$	9,235,208
% of Total	93.0		%	92.6		%	3.2		%	3.2		%	3.8		%	4.2		%	100.0		%	100.0		%

The following is a summary of the Corporation's internal risk rating categories:


•	Pass: These loans do not currently pose undue credit risk and can range from the highest to average quality, depending on the degree of potential risk.


•	Special Mention: These loans constitute an undue and unwarranted credit risk, but not to a point of justifying a classification of substandard. Loans in this category are currently acceptable, but are nevertheless potentially weak.


•	Substandard or Lower: These loans are inadequately protected by current sound worth and paying capacity of the borrower. There exists a well-defined weakness or weaknesses that jeopardize the normal repayment of the debt.

The Corporation believes that internal risk ratings are the most relevant credit quality indicator for the class segments presented above. The migration of loans through the various internal risk rating categories is a significant component of the allowance for credit loss methodology, which bases the probability of default on this migration. Assigning risk ratings involves judgment. Risk ratings are initially assigned to loans by loan officers and are reviewed on a regular basis by credit administration staff. The Corporation's loan review officers provide a separate assessment of risk rating accuracy. Ratings may be changed based on the ongoing monitoring procedures performed by loan officers or credit administration staff, or if specific loan review activities identify a deterioration or an improvement in the loan. The risk rating process allows management to identify riskier credits in a timely manner and to allocate resources to managing troubled accounts.

The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, consumer, leasing and other and construction loans to individuals secured by residential real estate. For these loans, the most relevant credit quality indicator is delinquency status. The migration of these loans through the various delinquency status categories is a significant component of the allowance for credit losses methodology, which bases the probability of default on this migration.

The following table presents a summary of delinquency and non-performing status for home equity, real estate - residential mortgages, construction loans to individuals and consumer, leasing and other loans by class segment:



	Performing						Delinquent (1)						Non-performing (2)						Total
	June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013
	(dollars in thousands)
Real estate - home equity	$	1,702,554		$	1,731,185		$	11,849		$	16,029		$	16,094		$	16,983		$	1,730,497		$	1,764,197
Real estate - residential mortgage	1,309,813			1,282,754			24,276			23,279			27,887			31,347			1,361,976			1,337,380
Construction - other	68,584			68,258			149			—			281			548			69,014			68,806
Consumer - direct	123,483			126,666			3,324			3,586			2,765			2,391			129,572			132,643
Consumer - indirect	148,841			147,017			2,084			3,312			60			152			150,985			150,481
Total consumer	272,324			273,683			5,408			6,898			2,825			2,543			280,557			283,124
Leasing and other and overdrafts	101,415			92,876			533			581			60			48			102,008			93,505
	$	3,454,690		$	3,448,756		$	42,215		$	46,787		$	47,147		$	51,469		$	3,544,052		$	3,547,012
% of Total	97.5		%	97.2		%	1.2		%	1.3		%	1.3		%	1.5		%	100.0		%	100.0		%


(1)	Includes all accruing loans 31 days to 89 days past due.


(2)	Includes all accruing loans 90 days or more past due and all non-accrual loans.

The following table presents non-performing assets:



	June 30, 2014		December 31, 2013
	(in thousands)
Non-accrual loans	$	129,934	$	133,753
Accruing loans greater than 90 days past due	19,378		20,524
Total non-performing loans	149,312		154,277
Other real estate owned (OREO)	13,482		15,052
Total non-performing assets	$	162,794	$	169,329

The following table presents TDRs, by class segment:



	June 30, 2014		December 31, 2013
	(in thousands)
Real-estate - residential mortgage	$	31,184	$	28,815
Real-estate - commercial mortgage	19,398		19,758
Construction - commercial residential	8,561		10,117
Commercial - secured	6,876		7,933
Real estate - home equity	2,815		1,365
Commercial - unsecured	77		112
Consumer - direct	17		11
Consumer - indirect	6		—
Total accruing TDRs	68,934		68,111
Non-accrual TDRs (1)	25,526		30,209
Total TDRs	$	94,460	$	98,320


(1)	Included within non-accrual loans in the preceding table detailing non-performing assets.

As of June 30, 2014 and December 31, 2013, there were $5.3 million and $9.6 million, respectively, of commitments to lend additional funds to borrowers whose loans were modified under TDRs.

The following table presents TDRs, by class segment, as of June 30, 2014 and 2013 that were modified during the three and six months ended June 30, 2014 and 2013:



	Three months ended June 30						Six months ended June 30
	2014			2013			2014			2013
	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
	(dollars in thousands)
Real estate - commercial mortgage	2	$	2,334	4	$	2,002	9	$	9,804	9	$	4,654
Construction - commercial residential	1	1,366		2	4,487		2	1,914		4	5,115
Real estate - residential mortgage	9	1,130		11	2,059		15	1,836		39	6,025
Real estate - home equity	10	334		11	677		20	863		28	1,857
Commercial - secured	1	143		2	135		1	143		7	592
Consumer - indirect	1	6		—	—		4	7		—	—
Consumer - direct	2	4		9	2		6	8		9	2
Commercial - unsecured	—	—		—	—		—	—		1	15
Total	26	$	5,317	39	$	9,362	57	$	14,575	97	$	18,260

The following table presents TDRs, by class segment, as of June 30, 2014 and 2013 that were modified within the previous 12 months and had a post-modification payment default during the six months ended June 30, 2014 and 2013. The Corporation defines a payment default as a single missed payment.



		2014			2013
		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
	(dollars in thousands)
Real estate - residential mortgage		9	$	1,204	22	$	4,677
Real estate - home equity		9	777		14	935
Construction - commercial residential		1	619		1	608
Real estate - commercial mortgage		2	35		4	2,407
Commercial - secured		1	10		2	381
Consumer - direct		—	—		6	2
Total		22	$	2,645	49	$	9,010

The following table presents past due status and non-accrual loans by portfolio segment and class segment:



	June 30, 2014
	31-59 Days Past Due		60-89 Days Past Due		≥ 90 Days Past Due and Accruing		Non- accrual		Total ≥ 90 Days		Total Past Due		Current		Total
	(in thousands)
Real estate - commercial mortgage	$	12,537	$	2,955	$	2,079	$	41,936	$	44,015	$	59,507	$	5,069,227	$	5,128,734
Commercial - secured	13,774		2,394		2,163		35,185		37,348		53,516		3,347,198		3,400,714
Commercial - unsecured	564		29		20		795		815		1,408		199,599		201,007
Total commercial - industrial, financial and agricultural	14,338		2,423		2,183		35,980		38,163		54,924		3,546,797		3,601,721
Real estate - home equity	9,585		2,264		4,365		11,729		16,094		27,943		1,702,554		1,730,497
Real estate - residential mortgage	19,339		4,937		6,834		21,053		27,887		52,163		1,309,813		1,361,976
Construction - commercial residential	268		219		1,032		16,827		17,859		18,346		211,463		229,809
Construction - commercial	—		—		—		2,128		2,128		2,128		333,067		335,195
Construction - other	149		—		—		281		281		430		68,584		69,014
Total real estate - construction	417		219		1,032		19,236		20,268		20,904		613,114		634,018
Consumer - direct	2,227		1,097		2,765		—		2,765		6,089		123,483		129,572
Consumer - indirect	1,742		342		60		—		60		2,144		148,841		150,985
Total consumer	3,969		1,439		2,825		—		2,825		8,233		272,324		280,557
Leasing and other and overdrafts	426		107		60		—		60		593		101,415		102,008
Total	$	60,611	$	14,344	$	19,378	$	129,934	$	149,312	$	224,267	$	12,615,244	$	12,839,511



	December 31, 2013
	31-59 Days Past Due		60-89 Days Past Due		≥ 90 Days Past Due and Accruing		Non- accrual		Total ≥ 90 Days		Total Past Due		Current		Total
	(in thousands)
Real estate - commercial mortgage	$	15,474	$	4,009	$	3,502	$	40,566	$	44,068	$	63,551	$	5,038,371	$	5,101,922
Commercial - secured	8,916		1,365		1,311		35,774		37,085		47,366		3,356,797		3,404,163
Commercial - unsecured	332		125		—		936		936		1,393		222,864		224,257
Total commercial - industrial, financial and agricultural	9,248		1,490		1,311		36,710		38,021		48,759		3,579,661		3,628,420
Real estate - home equity	13,555		2,474		3,711		13,272		16,983		33,012		1,731,185		1,764,197
Real estate - residential mortgage	16,969		6,310		9,065		22,282		31,347		54,626		1,282,754		1,337,380
Construction - commercial residential	—		645		346		18,202		18,548		19,193		216,176		235,369
Construction - commercial	14		—		—		2,171		2,171		2,185		267,312		269,497
Construction - other	—		—		—		548		548		548		68,258		68,806
Total real estate - construction	14		645		346		20,921		21,267		21,926		551,746		573,672
Consumer - direct	2,091		1,495		2,391		—		2,391		5,977		126,666		132,643
Consumer - indirect	2,864		448		150		2		152		3,464		147,017		150,481
Total consumer	4,955		1,943		2,541		2		2,543		9,441		273,683		283,124
Leasing and other and overdrafts	559		22		48		—		48		629		92,876		93,505
Total	$	60,774	$	16,893	$	20,524	$	133,753	$	154,277	$	231,944	$	12,550,276	$	12,782,220