Finance Receivables And Allowance For Credit Losses (Tables)

12 Months Ended

Dec. 31, 2012

Finance Receivables And Allowance For Credit Losses [Abstract]


(dollars in thousands)		2012			2011
Commercial (1)	$	1,336,820		$	1,216,654
Commercial real estate:
Construction		99,081			46,141
Other		1,156,802			1,021,229
Residential real estate		1,324,703			995,458
Consumer credit:
Heloc		258,114			235,603
Auto		526,085			483,575
Other		122,656			142,183
Covered loans		372,333			626,360
Total loans		5,196,594			4,767,203
Allowance for loan losses		(49,047	)		(57,117	)
Allowance for loan losses - covered loans		(5,716	)		(943	)
Net loans	$	5,141,831		$	4,709,143

(1) Includes direct finance leases of $57.7 million and $79.6 million at December 31, 2012 and 2011, respectively.

Schedule Of Activity In Related Party Loans


(dollars in thousands)		2012
Balance, January 1	$	14,568
New loans		4,421
Repayments		(4,854	)
Officer and director changes		(160	)
Balance, December 31	$	13,975

Schedule Of Activity In The Allowance For Loan Losses


					Commercial
(dollars in thousands)		Commercial			Real Estate			Consumer			Residential			Unallocated		Total
2012

Allowance for loan losses:
Beginning balance	$	19,964		$	26,993		$	6,954		$	4,149		$	0	$	58,060
Charge-offs		(7,636	)		(4,386	)		(8,094	)		(2,204	)		0		(22,320	)
Recoveries		5,166			5,104			3,259			464			0		13,993
Provision		(2,852	)		3,578			3,036			1,268			0		5,030
Ending balance	$	14,642		$	31,289		$	5,155		$	3,677		$	0	$	54,763


					Commercial
(dollars in thousands)		Commercial			Real Estate			Consumer			Residential			Unallocated		Total
2011

Allowance for loan losses:
Beginning balance	$	26,204		$	32,654		$	11,142		$	2,309		$	0	$	72,309
Charge-offs		(10,300	)		(12,319	)		(10,335	)		(1,945	)		0		(34,899	)
Recoveries		4,330			2,302			6,226			319			0		13,177
Provision		(270	)		4,356			(79	)		3,466			0		7,473
Ending balance	$	19,964		$	26,993		$	6,954		$	4,149		$	0	$	58,060


					Commercial
(dollars in thousands)		Commercial			Real Estate			Consumer			Residential			Unallocated		Total
2010

Allowance for loan losses:
Beginning balance	$	26,869		$	27,138		$	13,853		$	1,688		$	0	$	69,548
Charge-offs		(11,967	)		(10,196	)		(16,848	)		(2,296	)		0		(41,307	)
Recoveries		5,060			2,041			6,014			172			0		13,287
Provision		6,242			13,671			8,123			2,745			0		30,781
Ending balance	$	26,204		$	32,654		$	11,142		$	2,309		$	0	$	72,309

Schedule Of Recorded Investment In Financing Receivables


				Commercial
(dollars in thousands)		Commercial		Real Estate		Consumer		Residential		Unallocated		Total
2012
Allowance for credit losses:
Ending balance: individually
evaluated for impairment	$	4,702	$	2,790	$	0	$	0	$	0	$	7,492
Ending balance: collectively
evaluated for impairment	$	9,900	$	14,643	$	3,384	$	3,637	$	0	$	31,564
Ending balance: loans acquired
with deteriorated credit quality	$	40	$	8,958	$	953	$	40	$	0	$	9,991
Ending balance: covered loans
acquired with deteriorated
credit quality	$	0	$	4,898	$	818	$	0	$	0	$	5,716
Total allowance for credit losses	$	14,642	$	31,289	$	5,155	$	3,677	$	0	$	54,763
Loans and leases outstanding:
Ending balance: individually
evaluated for impairment	$	29,980	$	47,257	$	0	$	0	$	0	$	77,237
Ending balance: collectively
evaluated for impairment	$	1,298,433	$	1,163,595	$	906,855	$	1,324,703	$	0	$	4,693,586
Ending balance: loans acquired
with deteriorated credit quality	$	8,407	$	45,031	$	0	$	0	$	0	$	53,438
Ending balance: covered loans
acquired with deteriorated
credit quality	$	55,639	$	182,826	$	97,972	$	35,896	$	0	$	372,333
Total loans and leases outstanding	$	1,392,459	$	1,438,709	$	1,004,827	$	1,360,599	$	0	$	5,196,594


				Commercial
(dollars in thousands)		Commercial		Real Estate		Consumer		Residential		Unallocated		Total
2011
Allowance for credit losses:
Ending balance: individually
evaluated for impairment	$	7,015	$	4,177	$	0	$	0	$	0	$	11,192
Ending balance: collectively
evaluated for impairment	$	12,816	$	21,397	$	6,335	$	2,752	$	0	$	43,300
Ending balance: loans acquired
with deteriorated credit quality	$	128	$	1,288	$	445	$	764	$	0	$	2,625
Ending balance: covered loans
acquired with deteriorated
credit quality	$	5	$	131	$	174	$	633	$	0	$	943
Total allowance for credit losses	$	19,964	$	26,993	$	6,954	$	4,149	$	0	$	58,060
Loans and leases outstanding:
Ending balance: individually
evaluated for impairment	$	31,838	$	43,225	$	0	$	0	$	0	$	75,063
Ending balance: collectively
evaluated for impairment	$	1,183,675	$	1,002,105	$	861,361	$	995,458	$	0	$	4,042,599
Ending balance: loans acquired
with deteriorated credit quality	$	1,141	$	22,040	$	0	$	0	$	0	$	23,181
Ending balance: covered loans
acquired with deteriorated
credit quality	$	124,755	$	325,934	$	128,700	$	46,971	$	0	$	626,360
Total loans and leases outstanding	$	1,341,409	$	1,393,304	$	990,061	$	1,042,429	$	0	$	4,767,203

Schedule Of Risk Category Of Loans


(dollars in thousands)
Corporate Credit Exposure						Commercial Real Estate-				Commercial Real Estate-
Credit Risk Profile by Internally		Commercial				Construction				Other
Assigned Grade		2012		2011		2012		2011		2012		2011
Grade:
Pass	$	1,237,274	$	1,103,556	$	62,604	$	16,841	$	965,967	$	895,543
Criticized		38,476		36,212		11,969		13,605		62,819		30,331
Classified - substandard		23,388		41,695		10,204		10,147		38,252		34,478
Classified - doubtful		37,682		35,191		14,304		5,548		89,764		60,877
Total	$	1,336,820	$	1,216,654	$	99,081	$	46,141	$	1,156,802	$	1,021,229

Schedule Of Recorded Investment In Residential And Consumer Loans Based On Payment Activity


2012				Consumer				Residential
(dollars in
thousands)		Heloc		Auto		Other
Performing	$	256,394	$	524,105	$	120,547	$	1,312,717
Nonperforming		1,720		1,980		2,109		11,986
	$	258,114	$	526,085	$	122,656	$	1,324,703


2011				Consumer				Residential
(dollars in
thousands)		Heloc		Auto		Other
Performing	$	234,334	$	481,632	$	140,605	$	985,211
Nonperforming		1,269		1,943		1,578		10,247
	$	235,603	$	483,575	$	142,183	$	995,458

Schedule Of Impaired Loans That Are Individually Evaluated


				Unpaid
		Recorded		Principal		Related
(dollars in thousands)		Investment		Balance		Allowance
December 31, 2012
With no related allowance recorded:
Commercial	$	6,563	$	9,280	$	0
Commercial Real Estate - Construction		1,179		1,287		0
Commercial Real Estate - Other		16,944		23,162		0
With an allowance recorded:
Commercial		23,417		28,574		4,702
Commercial Real Estate - Construction		3,227		3,227		69
Commercial Real Estate - Other		25,907		28,732		2,721
Total Commercial	$	77,237	$	94,262	$	7,492

December 31, 2011
With no related allowance recorded:
Commercial	$	10,094	$	13,047	$	0
Commercial Real Estate - Construction		610		610		0
Commercial Real Estate - Other		18,136		27,372		0
With an allowance recorded:
Commercial		21,744		24,928		7,143
Commercial Real Estate - Construction		2,256		3,327		12
Commercial Real Estate - Other		22,223		24,792		5,453
Total Commercial	$	75,063	$	94,076	$	12,608

Schedule Of Average Balance And Interest Income Recognized On Impaired Loans

		Average		Interest
		Recorded		Income
(dollars in thousands)		Investment		Recognized (1)
December 31, 2012
With no related allowance recorded:
Commercial	$	8,329	$	166
Commercial Real Estate - Construction		895		0
Commercial Real Estate - Other		17,541		224
With an allowance recorded:
Commercial		22,581		116
Commercial Real Estate - Construction		2,742		0
Commercial Real Estate - Other		24,066		473
Total Commercial	$	76,154	$	979

(1) The Company does not record interest on nonaccrual loans until principal is recovered.


December 31, 2011
With no related allowance recorded:
Commercial	$	8,105	$	357
Commercial Real Estate - Construction		305		0
Commercial Real Estate - Other		14,346		463
With an allowance recorded:
Commercial		19,786		679
Commercial Real Estate - Construction		1,128		89
Commercial Real Estate - Other		20,524		626
Total Commercial	$	64,194	$	2,214

Schedule Of Past Due Financing Receivables


						Recorded
						Investment >
		30-59 Days		60-89 Days		90 Days and				Total
(dollars in thousands)		Past Due		Past Due		Accruing		Nonaccrual		Past Due		Current
December 31, 2012
Commercial	$	2,691	$	515	$	322	$	36,766	$	40,294	$	1,296,526
Commercial Real Estate:
Construction		11		0		0		14,304		14,315		84,766
Other		3,439		665		236		81,525		85,865		1,070,937
Consumer:
Heloc		961		15		0		1,720		2,696		255,418
Auto		4,070		881		328		1,980		7,259		518,826
Other		1,732		403		110		2,109		4,354		118,302
Residential		14,686		1,874		66		11,986		28,612		1,296,091
Covered loans		2,891		941		15		103,946		107,793		264,540
Total	$	30,481	$	5,294	$	1,077	$	254,336	$	291,188	$	4,905,406

December 31, 2011
Commercial	$	2,755	$	357	$	358	$	34,104	$	37,574	$	1,179,080
Commercial Real Estate:
Construction		0		164		0		5,425		5,589		40,552
Other		7,466		413		279		60,762		68,920		952,309
Consumer:
Heloc		706		186		151		1,269		2,312		233,291
Auto		5,745		1,276		246		1,943		9,210		474,365
Other		2,002		463		76		1,578		4,119		138,064
Residential		7,950		1,839		0		10,247		20,036		975,422
Covered Loans		5,446		2,033		2,338		182,880		192,697		433,663
Total	$	32,070	$	6,731	$	3,448	$	298,208	$	340,457	$	4,426,746

Schedule Of Loans By Class Modified As Troubled Debt Restructuring


			Pre-modification		Post-modification
	Number of		Outstanding Recorded		Outstanding Recorded
(dollars in thousands)	Loans		Investment		Investment
Troubled Debt Restructuring:
Commercial	44	$	9,585	$	9,574
Commercial Real Estate - construction	3		1,392		1,382
Commercial Real Estate - other	35		16,404		16,272
Consumer - other	26		996		994
Total	108	$	28,377	$	28,222


			Pre-modification		Post-modification
	Number of		Outstanding Recorded		Outstanding Recorded
(dollars in thousands)	Loans		Investment		Investment
Troubled Debt Restructuring:
Commercial	25	$	7,086	$	7,086
Commercial Real Estate - construction	1		1,422		1,422
Commercial Real Estate - other	46		5,956		4,429
Consumer - other	1		53		53
Total	73	$	14,517	$	12,990

Schedule Of Troubled Debt Restructurings For Which There Was A Payment Default

	Number of		Recorded
(dollars in thousands)	Contracts		Investment
Troubled Debt Restructuring
That Subsequently Defaulted:
Commercial	8	$	500
Commercial Real Estate	7		611
Total	15	$	1,111

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the twelve months ended December 31, 2011:


	Number of			Recorded
(dollars in thousands)	Contracts			Investment
Troubled Debt Restructuring
That Subsequently Defaulted:
Commercial		3	$	1,647
Commercial Real Estate		6		1,587
Total		9	$	3,234

Schedule Of Activity In Trouble Debt Restructurings


					Commercial
(dollars in thousands)		Commercial			Real Estate			Consumer			Residential			Total
2012
Troubled debt restructuring:
Balance, January 1, 2012	$	7,086		$	5,851		$	53		$	0		$	12,990
Charge-offs		(2,230	)		(234	)		(20	)		0			(2,484	)
Payments		(1,770	)		(4,849	)		(20	)		(35	)		(6,674	)
Additions		9,574			17,654			460			534			28,222
Balance December 31, 2012	$	12,660		$	18,422		$	473		$	499		$	32,054


					Commercial
(dollars in thousands)		Commercial			Real Estate			Consumer			Residential		Total
2011
Troubled debt restructuring:
Balance, January 1, 2011	$	3,778		$	972		$	65		$	0	$	4,815
Charge-offs		(850	)		(1,552	)		0			0		(2,402	)
Payments		(352	)		(634	)		(12	)		0		(998	)
Additions		4,510			7,065			0			0		11,575
Balance December 31, 2011	$	7,086		$	5,851		$	53		$	0	$	12,990

Schedule Of Activity Of Purchased Impaired Loans


		December 31,		December 31,
(dollars in thousands)		2012		2011
Commercial	$	7,859	$	1,143
Commercial real estate		52,981		23,059
Consumer		22,432		41,064
Residential		123		418
Outstanding balance	$	83,395	$	65,684
Carrying amount, net of allowance	$	79,120	$	63,982
Allowance for loan losses	$	4,275	$	1,702

Schedule Of Accretable Difference On Purchased Loans


					Integra
(dollars in thousands)		Monroe			Noncovered			IBT			Total
Balance at January 1, 2012	$	15,508		$	5,871		$	0		$	21,379
New loans purchased		0			0			11,945			11,945
Accretion of income		(7,053	)		(2,053	)		(2,371	)		(11,477	)
Reclassifications from (to) nonaccretable difference		3,230			107			6,596			9,933
Disposals/other adjustments		149			(350	)		0			(201	)
Balance at December 31, 2012	$	11,834		$	3,575		$	16,170		$	31,579

Schedule Of Payments Receivable Of Loans Purchased


		Monroe			Integra
(dollars in thousands)		Bancorp			Bank			IBT
Contractually required payments	$	94,714		$	921,856		$	118,535
Nonaccretable difference		(45,157	)		(226,426	)		(53,165	)

Cash flows expected to be collected at acquisition		49,557			695,430			65,370
Accretable yield		(6,971	)		(98,487	)		(11,945	)
Fair value of acquired loans at acquisition	$	42,586		$	596,943		$	53,425