ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Dec. 31, 2012

ALLOWANCE FOR CREDIT LOSSES [Abstract]

Changes in the Allowance for Credit Losses by Segment and Class

	2012			2011			2010
	(In thousands)
Balance at beginning of year	$	195,118		$	196,913		$	176,043
Provision charged to expense		28,000			130,081			204,016
Recoveries		30,746			10,179			7,876
Loans and leases charged off		(89,398	)		(142,055	)		(191,022	)
Balance at end of year	$	164,466		$	195,118		$	196,913

Allowance for Credit Losses by Segment, Class and Impairment Status

The following tables summarize the changes in the allowance for credit losses by segment and class for 2012 and 2011:

	2012
	Balance,										Balance,
	Beginning of										End of
	Period		Charge-offs			Recoveries		Provision			Period
	(In thousands)
Commercial and industrial	$	20,724	$	(12,362	)	$	7,096	$	7,828		$	23,286
Real estate
Consumer mortgage		36,529		(13,122	)		1,836		10,723			35,966
Home equity		8,630		(2,721	)		496		(400	)		6,005
Agricultural		3,921		(1,240	)		126		494			3,301
Commercial and industrial-owner occupied		21,929		(9,015	)		2,696		4,568			20,178
Construction, acquisition and development		45,562		(33,085	)		8,407		1,021			21,905
Commercial		39,444		(12,728	)		8,538		4,827			40,081
Credit cards		4,021		(2,221	)		527		1,284			3,611
All other		14,358		(2,904	)		1,024		(2,345	)		10,133
Total	$	195,118	$	(89,398	)	$	30,746	$	28,000		$	164,466

	2011
	Balance,									Balance,
	Beginning of									End of
	Period		Charge-offs			Recoveries		Provision		Period
	(In thousands)
Commercial and industrial	$	22,479	$	(17,337	)	$	1,567	$	14,015	$	20,724
Real estate
Consumer mortgage		35,540		(10,186	)		1,111		10,064		36,529
Home equity		7,305		(5,852	)		185		6,992		8,630
Agricultural		4,997		(3,420	)		123		2,221		3,921
Commercial and industrial-owner occupied		20,403		(10,302	)		393		11,435		21,929
Construction, acquisition and development		59,048		(67,362	)		3,951		49,925		45,562
Commercial		33,439		(17,436	)		1,045		22,396		39,444
Credit cards		4,126		(3,072	)		803		2,164		4,021
All other		9,576		(7,088	)		1,001		10,869		14,358
Total	$	196,913	$	(142,055	)	$	10,179	$	130,081	$	195,118

The following tables provide the allowance for credit losses by segment and class based on impairment status at December 31, 2012 and 2011:

	December 31, 2012
	Recorded		Allowance for		Allowance for
	Balance of		Impaired Loans		All Other Loans		Total
	Impaired Loans		and Leases		and Leases		Allowance
			(In thousands)
Commercial and industrial	$	4,845	$	1,241	$	22,045	$	23,286
Real estate
Consumer mortgage		15,107		1,103		34,863		35,966
Home equity		1,380		111		5,894		6,005
Agricultural		5,382		92		3,209		3,301
Commercial and industrial-owner occupied		16,720		864		19,314		20,178
Construction, acquisition and development		61,335		4,350		17,555		21,905
Commercial		50,413		2,720		37,361		40,081
Credit cards		-		-		3,611		3,611
All other		1,546		60		10,073		10,133
Total	$	156,728	$	10,541	$	153,925	$	164,466

	December 31, 2011
	Recorded		Allowance for		Allowance for
	Balance of		Impaired Loans		All Other Loans		Total
	Impaired Loans		and Leases		and Leases		Allowance
			(In thousands)
Commercial and industrial	$	7,833	$	4,071	$	16,653	$	20,724
Real estate
Consumer mortgage		31,793		4,386		32,143		36,529
Home equity		675		48		8,582		8,630
Agricultural		3,096		380		3,541		3,921
Commercial and industrial-owner occupied		24,801		3,601		18,328		21,929
Construction, acquisition and development		128,179		21,581		23,981		45,562
Commercial		36,122		5,324		34,120		39,444
Credit cards		-		-		4,021		4,021
All other		2,424		317		14,041		14,358
Total	$	234,923	$	39,708	$	155,410	$	195,118