XML 87 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans, Allowance for Loan Losses, and Credit Quality (Tables)
 3 Months Ended
Mar. 31, 2012
Financing Receivable, Impaired [Line Items]  
Loan composition
The period end loan composition was as follows.
          
     March 31,  December 31, 
     2012  2011 
     ($ in Thousands) 
Commercial and industrial$ 3,719,016 $ 3,724,736 
Commercial real estate - owner occupied  1,074,755   1,086,829 
Lease financing  61,208   58,194 
 Commercial and business lending  4,854,979   4,869,759 
Commercial real estate - investor  2,664,251   2,563,767 
Real estate construction  565,953   584,046 
 Commercial real estate lending  3,230,204   3,147,813 
  Total commercial  8,085,183   8,017,572 
Home equity  2,501,770   2,504,704 
Installment  537,628   557,782 
 Total retail  3,039,398   3,062,486 
Residential mortgage  3,129,144   2,951,013 
  Total consumer  6,168,542   6,013,499 
   Total loans$ 14,253,725 $ 14,031,071 
Changes in the allowance for loan losses
A summary of the changes in the allowance for loan losses was as follows.
        
   March 31,  December 31, 
   2012  2011 
   ($ in Thousands) 
Balance at beginning of period$378,151 $476,813 
Provision for loan losses 0  52,000 
Charge offs (31,259)  (189,732) 
Recoveries 9,406  39,070 
 Net charge offs (21,853)  (150,662) 
Balance at end of period$356,298 $378,151 
Changes in the allowance for loan losses by portfolio segment
A summary of the changes in the allowance for loan losses by portfolio segment for the three months ended March 31, 2012, was as follows.
                   
$ in ThousandsCommercial and industrialCommercial real estate - owner occupiedLease financingCommercial real estate - investorReal estate constructionHome equityInstallmentResidential mortgage Total
         
Balance at Dec 31, 2011$ 124,374$ 36,200$ 2,567$ 86,689$ 21,327$ 70,144$ 6,623$ 30,227$ 378,151
Provision for loan losses  (1,658)  (2,594)  (1,647)  (762)  (2,320)  4,230  162  4,589  -
Charge offs  (8,035)  (732)  -  (8,393)  (924)  (9,761)  (604)  (2,810)  (31,259)
Recoveries  4,163  317  1,836  1,039  694  811  503  43  9,406
Balance at Mar 31, 2012$ 118,844$ 33,191$ 2,756$ 78,573$ 18,777$ 65,424$ 6,684$ 32,049$ 356,298
                   
Allowance for loan losses:          
Ending balance impaired loans individually evaluated for impairment$ 9,039$ 2,701$ 133$ 11,599$ 2,904$ 1,763$ -$ 1,175$ 29,314
Ending balance impaired loans collectively evaluated for impairment$ 8,104$ 4,765$ 24$ 9,712$ 4,696$ 27,196$ 2,004$ 15,428$ 71,929
Ending balance all other loans collectively evaluated for impairment$ 101,701$ 25,725$ 2,599$ 57,262$ 11,177$ 36,465$ 4,680$ 15,446$ 255,055
Total$ 118,844$ 33,191$ 2,756$ 78,573$ 18,777$ 65,424$ 6,684$ 32,049$ 356,298
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 35,910$ 21,489$ 8,428$ 75,874$ 27,474$ 7,817$ -$ 9,592$ 186,584
Ending balance impaired loans collectively evaluated for impairment$ 40,353$ 17,325$ 612$ 59,001$ 20,767$ 45,903$ 3,626$ 73,633$ 261,220
Ending balance all other loans collectively evaluated for impairment$ 3,642,753$ 1,035,941$ 52,168$ 2,529,376$ 517,712$ 2,448,050$ 534,002$ 3,045,919$ 13,805,921
Total$ 3,719,016$ 1,074,755$ 61,208$ 2,664,251$ 565,953$ 2,501,770$ 537,628$ 3,129,144$ 14,253,725

For comparison purposes, a summary of the changes in the allowance for loan losses by portfolio segment for the year ended December 31, 2011, was as follows.
                   
$ in ThousandsCommercial and industrialCommercial real estate - owner occupiedLease financingCommercial real estate - investorReal estate constructionHome equityInstallmentResidential mortgage Total
Balance at Dec 31, 2010$ 137,770$ 54,320$ 7,396$ 111,264$ 56,772$ 55,090$ 17,328$ 36,873$ 476,813
Provision for loan losses  8,916  (11,144)  (6,611)  (762)  (4,744)  54,476  3,845  8,024  52,000
Charge offs  (38,662)  (9,485)  (173)  (29,479)  (38,222)  (42,623)  (16,134)  (14,954)  (189,732)
Recoveries  16,350  2,509  1,955  5,666  7,521  3,201  1,584  284  39,070
Balance at Dec 31, 2011$ 124,374$ 36,200$ 2,567$ 86,689$ 21,327$ 70,144$ 6,623$ 30,227$ 378,151
                   
Allowance for loan losses:              
Ending balance impaired loans individually evaluated for impairment$ 7,619$ 3,608$ 161$ 16,623$ 4,919$ 2,922$ -$ 957$ 36,809
Ending balance impaired loans collectively evaluated for impairment$ 7,688$ 3,962$ 34$ 8,378$ 4,266$ 27,914$ 2,021$ 13,707$ 67,970
Ending balance all other loans collectively evaluated for impairment$ 109,067$ 28,630$ 2,372$ 61,688$ 12,142$ 39,308$ 4,602$ 15,563$ 273,372
Total$ 124,374$ 36,200$ 2,567$ 86,689$ 21,327$ 70,144$ 6,623$ 30,227$ 378,151
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 41,474$ 26,049$ 9,792$ 85,287$ 31,933$ 9,542$ -$ 11,401$ 215,478
Ending balance impaired loans collectively evaluated for impairment$ 37,153$ 17,807$ 852$ 57,482$ 20,850$ 46,315$ 3,730$ 70,269$ 254,458
Ending balance all other loans collectively evaluated for impairment$ 3,646,109$ 1,042,973$ 47,550$ 2,420,998$ 531,263$ 2,448,847$ 554,052$ 2,869,343$ 13,561,135
Total$ 3,724,736$ 1,086,829$ 58,194$ 2,563,767$ 584,046$ 2,504,704$ 557,782$ 2,951,013$ 14,031,071
Summarize of nonaccrual loans, accruing loans past due 90 days or more, and restructured loans
The following table presents nonaccrual loans, accruing loans past due 90 days or more, and restructured loans.
      
  March 31,December 31,
  20122011
  ($ in Thousands)
Nonaccrual loans (includes nonaccrual restructured loans)$327,085$356,772
Accruing loans past due 90 days or more 2,497 4,925
Restructured loans (accruing) 120,719 113,164

The following table presents loans by past due status at March 31, 2012.
             
  30-59 Days Past Due 60-89 Days Past Due90 Days or More Past Due *Total Past Due Current Total
 ($ in Thousands)
Accruing loans            
Commercial and industrial$ 11,615$ 1,028$ 1,051$ 13,694$ 3,654,681$ 3,668,375
Commercial real estate - owner occupied  3,816  3,716  823  8,355  1,034,512  1,042,867
Lease financing  11  29  -  40  52,128  52,168
Commercial and business lending  15,442  4,773  1,874  22,089  4,741,321  4,763,410
Commercial real estate - investor  4,523  3,790  -  8,313  2,566,908  2,575,221
Real estate construction  1,736  -  -  1,736  527,746  529,482
Commercial real estate lending  6,259  3,790  -  10,049  3,094,654  3,104,703
Total commercial  21,701  8,563  1,874  32,138  7,835,975  7,868,113
Home equity  11,412  6,595  -  18,007  2,439,135  2,457,142
Installment  2,322  491  623  3,436  531,565  535,001
Total retail  13,734  7,086  623  21,443  2,970,700  2,992,143
Residential mortgage  9,864  250  -  10,114  3,056,270  3,066,384
Total consumer  23,598  7,336  623  31,557  6,026,970  6,058,527
Total accruing loans$ 45,299$ 15,899$ 2,497$ 63,695$ 13,862,945$ 13,926,640
             
Nonaccrual loans            
Commercial and industrial$ 5,098$ 2,024$ 23,311$ 30,433$ 20,208$ 50,641
Commercial real estate - owner occupied  1,271  477  16,711  18,459  13,429  31,888
Lease financing  -  15  843  858  8,182  9,040
Commercial and business lending  6,369  2,516  40,865  49,750  41,819  91,569
Commercial real estate - investor  2,362  1,814  29,748  33,924  55,106  89,030
Real estate construction  -  238  17,661  17,899  18,572  36,471
Commercial real estate lending  2,362  2,052  47,409  51,823  73,678  125,501
Total commercial  8,731  4,568  88,274  101,573  115,497  217,070
Home equity  4,338  2,268  30,482  37,088  7,540  44,628
Installment  367  188  848  1,403  1,224  2,627
Total retail  4,705  2,456  31,330  38,491  8,764  47,255
Residential mortgage  2,237  4,315  42,727  49,279  13,481  62,760
Total consumer  6,942  6,771  74,057  87,770  22,245  110,015
Total nonaccrual loans$ 15,673$ 11,339$ 162,331$ 189,343$ 137,742$ 327,085
             
Total loans            
Commercial and industrial$ 16,713$ 3,052$ 24,362$ 44,127$ 3,674,889$ 3,719,016
Commercial real estate - owner occupied  5,087  4,193  17,534  26,814  1,047,941  1,074,755
Lease financing  11  44  843  898  60,310  61,208
Commercial and business lending  21,811  7,289  42,739  71,839  4,783,140  4,854,979
Commercial real estate - investor  6,885  5,604  29,748  42,237  2,622,014  2,664,251
Real estate construction  1,736  238  17,661  19,635  546,318  565,953
Commercial real estate lending  8,621  5,842  47,409  61,872  3,168,332  3,230,204
Total commercial  30,432  13,131  90,148  133,711  7,951,472  8,085,183
Home equity  15,750  8,863  30,482  55,095  2,446,675  2,501,770
Installment  2,689  679  1,471  4,839  532,789  537,628
Total retail  18,439  9,542  31,953  59,934  2,979,464  3,039,398
Residential mortgage  12,101  4,565  42,727  59,393  3,069,751  3,129,144
Total consumer  30,540  14,107  74,680  119,327  6,049,215  6,168,542
Total loans$ 60,972$ 27,238$ 164,828$ 253,038$ 14,000,687$ 14,253,725
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $2.5 million at March 31, 2012 (the same as the reported balances for the accruing loans noted above).

The following table presents loans by past due status at December 31, 2011.
             
  30-59 Days Past Due 60-89 Days Past Due90 Days or More Past Due *Total Past Due Current Total
 ($ in Thousands)
Accruing loans            
Commercial and industrial$ 3,513$ 5,230$ 3,755$ 12,498$ 3,656,163$ 3,668,661
Commercial real estate - owner occupied  6,788  304  -  7,092  1,044,019  1,051,111
Lease financing  31  73  -  104  47,446  47,550
Commercial and business lending  10,332  5,607  3,755  19,694  4,747,628  4,767,322
Commercial real estate - investor  2,770  2,200  -  4,970  2,459,445  2,464,415
Real estate construction  873  123  481  1,477  540,763  542,240
Commercial real estate lending  3,643  2,323  481  6,447  3,000,208  3,006,655
Total commercial  13,975  7,930  4,236  26,141  7,747,836  7,773,977
Home equity  9,399  2,790  -  12,189  2,445,608  2,457,797
Installment  1,784  808  689  3,281  551,786  555,067
Total retail  11,183  3,598  689  15,470  2,997,394  3,012,864
Residential mortgage  6,320  904  -  7,224  2,880,234  2,887,458
Total consumer  17,503  4,502  689  22,694  5,877,628  5,900,322
Total accruing loans$ 31,478$ 12,432$ 4,925$ 48,835$ 13,625,464$ 13,674,299
             
Nonaccrual loans            
Commercial and industrial$ 5,374$ 6,933$ 20,792$ 33,099$ 22,976$ 56,075
Commercial real estate - owner occupied  2,190  185  19,724  22,099  13,619  35,718
Lease financing  -  -  858  858  9,786  10,644
Commercial and business lending  7,564  7,118  41,374  56,056  46,381  102,437
Commercial real estate - investor  2,332  2,730  31,529  36,591  62,761  99,352
Real estate construction  36  482  18,625  19,143  22,663  41,806
Commercial real estate lending  2,368  3,212  50,154  55,734  85,424  141,158
Total commercial  9,932  10,330  91,528  111,790  131,805  243,595
Home equity  2,818  2,408  34,976  40,202  6,705  46,907
Installment  403  373  599  1,375  1,340  2,715
Total retail  3,221  2,781  35,575  41,577  8,045  49,622
Residential mortgage  1,981  4,301  43,153  49,435  14,120  63,555
Total consumer  5,202  7,082  78,728  91,012  22,165  113,177
Total nonaccrual loans$ 15,134$ 17,412$ 170,256$ 202,802$ 153,970$ 356,772
             
Total loans            
Commercial and industrial$ 8,887$ 12,163$ 24,547$ 45,597$ 3,679,139$ 3,724,736
Commercial real estate - owner occupied  8,978  489  19,724  29,191  1,057,638  1,086,829
Lease financing  31  73  858  962  57,232  58,194
Commercial and business lending  17,896  12,725  45,129  75,750  4,794,009  4,869,759
Commercial real estate - investor  5,102  4,930  31,529  41,561  2,522,206  2,563,767
Real estate construction  909  605  19,106  20,620  563,426  584,046
Commercial real estate lending  6,011  5,535  50,635  62,181  3,085,632  3,147,813
Total commercial  23,907  18,260  95,764  137,931  7,879,641  8,017,572
Home equity  12,217  5,198  34,976  52,391  2,452,313  2,504,704
Installment  2,187  1,181  1,288  4,656  553,126  557,782
Total retail  14,404  6,379  36,264  57,047  3,005,439  3,062,486
Residential mortgage  8,301  5,205  43,153  56,659  2,894,354  2,951,013
Total consumer  22,705  11,584  79,417  113,706  5,899,793  6,013,499
Total loans$ 46,612$ 29,844$ 175,181$ 251,637$ 13,779,434$ 14,031,071
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $4.9 million at December 31, 2011 (the same as the reported balances for the accruing loans noted above).
Summarized details of impaired Loans
The following table presents impaired loans at March 31, 2012.
           
  Recorded Investment Unpaid Principal Balance Related Allowance  YTD Average Recorded Investment YTD Interest Income Recognized*
Loans with a related allowance  ($ in Thousands)
Commercial and industrial$ 64,018$ 76,134$ 17,143$ 64,487$ 600
Commercial real estate - owner occupied  27,399  32,742  7,466  27,899  167
Lease financing  1,032  1,032  157  1,060  -
Commercial and business lending  92,449  109,908  24,766  93,446  767
Commercial real estate - investor  88,316  109,312  21,311  88,766  643
Real estate construction  28,332  39,911  7,600  28,673  187
Commercial real estate lending  116,648  149,223  28,911  117,439  830
Total commercial  209,097  259,131  53,677  210,885  1,597
Home equity  50,315  56,525  28,959  51,171  388
Installment  3,626  4,012  2,004  3,710  45
Total retail  53,941  60,537  30,963  54,881  433
Residential mortgage  77,732  85,554  16,603  78,314  421
Total consumer  131,673  146,091  47,566  133,195  854
Total loans$ 340,770$ 405,222$ 101,243$ 344,080$ 2,451
           
Loans with no related allowance           
Commercial and industrial$ 12,245$ 18,962$ -$ 15,496$ 46
Commercial real estate - owner occupied  11,415  12,466  -  11,482  44
Lease financing  8,008  8,008  -  8,615  -
Commercial and business lending  31,668  39,436  -  35,593  90
Commercial real estate - investor  46,559  70,719  -  51,632  20
Real estate construction  19,909  36,162  -  20,175  5
Commercial real estate lending  66,468  106,881  -  71,807  25
Total commercial  98,136  146,317  -  107,400  115
Home equity  3,405  5,384  -  3,394  -
Installment  -  -  -  -  -
Total retail  3,405  5,384  -  3,394  -
Residential mortgage  5,493  6,049  -  5,729  8
Total consumer  8,898  11,433  -  9,123  8
Total loans$ 107,034$ 157,750$ -$ 116,523$ 123
           
Total          
Commercial and industrial$ 76,263$ 95,096$ 17,143$ 79,983$ 646
Commercial real estate - owner occupied  38,814  45,208  7,466  39,381  211
Lease financing  9,040  9,040  157  9,675  -
Commercial and business lending  124,117  149,344  24,766  129,039  857
Commercial real estate - investor  134,875  180,031  21,311  140,398  663
Real estate construction  48,241  76,073  7,600  48,848  192
Commercial real estate lending  183,116  256,104  28,911  189,246  855
Total commercial  307,233  405,448  53,677  318,285  1,712
Home equity  53,720  61,909  28,959  54,565  388
Installment  3,626  4,012  2,004  3,710  45
Total retail  57,346  65,921  30,963  58,275  433
Residential mortgage  83,225  91,603  16,603  84,043  429
Total consumer  140,571  157,524  47,566  142,318  862
Total loans$ 447,804$ 562,972$ 101,243$ 460,603$ 2,574
           
*Interest income recognized included $2 million of interest income recognized on accruing restructured loans for the three months ended March 31, 2012.

The following table presents impaired loans at December 31, 2011.
           
  Recorded Investment Unpaid Principal Balance Related Allowance YTD Average Recorded Investment YTD Interest Income Recognized*
Loans with a related allowance  ($ in Thousands)
Commercial and industrial$ 57,380$ 65,945$ 15,307$ 65,042$ 2,265
Commercial real estate - owner occupied  27,456  31,221  7,570  28,938  587
Lease financing  1,176  1,176  195  1,792  40
Commercial and business lending  86,012  98,342  23,072  95,772  2,892
Commercial real estate - investor  101,704  117,469  25,001  107,153  3,552
Real estate construction  30,100  38,680  9,185  35,411  1,220
Commercial real estate lending  131,804  156,149  34,186  142,564  4,772
Total commercial  217,816  254,491  57,258  238,336  7,664
Home equity  52,756  58,221  30,836  56,069  1,909
Installment  3,730  4,059  2,021  4,135  217
Total retail  56,486  62,280  32,857  60,204  2,126
Residential mortgage  74,415  81,215  14,664  77,987  2,197
Total consumer  130,901  143,495  47,521  138,191  4,323
Total loans$ 348,717$ 397,986$ 104,779$ 376,527$ 11,987
           
Loans with no related allowance           
Commercial and industrial$ 21,247$ 27,631$ -$ 23,514$ 532
Commercial real estate - owner occupied  16,400  20,426  -  18,609  200
Lease financing  9,468  9,468  -  11,436  -
Commercial and business lending  47,115  57,525  -  53,559  732
Commercial real estate - investor  41,065  63,872  -  50,936  242
Real estate construction  22,683  41,636  -  30,937  330
Commercial real estate lending  63,748  105,508  -  81,873  572
Total commercial  110,863  163,033  -  135,432  1,304
Home equity  3,101  5,087  -  3,314  6
Installment  -  -  -  -  -
Total retail  3,101  5,087  -  3,314  6
Residential mortgage  7,255  7,806  -  7,376  117
Total consumer  10,356  12,893  -  10,690  123
Total loans$ 121,219$ 175,926$ -$ 146,122$ 1,427
           
Total          
Commercial and industrial$ 78,627$ 93,576$ 15,307$ 88,556$ 2,797
Commercial real estate - owner occupied  43,856  51,647  7,570  47,547  787
Lease financing  10,644  10,644  195  13,228  40
Commercial and business lending  133,127  155,867  23,072  149,331  3,624
Commercial real estate - investor  142,769  181,341  25,001  158,089  3,794
Real estate construction  52,783  80,316  9,185  66,348  1,550
Commercial real estate lending  195,552  261,657  34,186  224,437  5,344
Total commercial  328,679  417,524  57,258  373,768  8,968
Home equity  55,857  63,308  30,836  59,383  1,915
Installment  3,730  4,059  2,021  4,135  217
Total retail  59,587  67,367  32,857  63,518  2,132
Residential mortgage  81,670  89,021  14,664  85,363  2,314
Total consumer  141,257  156,388  47,521  148,881  4,446
Total loans$ 469,936$ 573,912$ 104,779$ 522,649$ 13,414
           
*Interest income recognized included $6 million of interest income recognized on accruing restructured loans for the year ended December 31, 2011.
Nonaccrual and Performing Restructured Loans
  March 31, 2012 December 31, 2011 
  Performing Restructured Loans Nonaccrual Restructured Loans * Performing Restructured Loans Nonaccrual Restructured Loans * 
  ($ in Thousands)
Commercial and industrial$ 25,622$ 14,402$ 22,552$ 12,211 
Commercial real estate - owner occupied  6,926  10,055  8,138  9,706 
Commercial real estate - investor  45,845  25,996  43,417  30,303 
Real estate construction   11,770  10,073  10,977  14,253 
Home equity  9,092  6,116  8,950  6,268 
Installment  999  1,054  1,015  1,163 
Residential mortgage  20,465  12,250  18,115  13,589 
Total $ 120,719$ 79,946$ 113,164$ 87,493 
          
* Nonaccrual restructured loans have been included with nonaccrual loans.   
Summary of Restructured Loans
  Three Months Ended March 31, 2012 
  Number of Loans Recorded Investment (1) Unpaid Principal Balance (2) 
  ($ in Thousands) 
Commercial and industrial  45$ 7,838$ 8,666 
Commercial real estate - owner occupied  9  3,496  3,911 
Commercial real estate - investor  9  2,885  2,898 
Real estate construction   4  1,485  1,815 
Home equity  13  599  604 
Installment  4  42  42 
Residential mortgage  9  2,219  2,291 
Total  93$ 18,564$ 20,227 
        
(1) Represents post-modification outstanding recorded investment.  
(2) Represents pre-modification outstanding recorded investment.  
Troubled debt restructurings subsequent redefault
  Three Months Ended March 31, 2012 
  Number of LoansRecorded Investment 
  ($ in Thousands) 
Commercial and industrial 7$ 865 
Commercial real estate - investor 4  1,302 
Real estate construction  1  18 
Home equity 2  60 
Total 14$ 2,245 
Commercial Loan [Member]
  
Financing Receivable, Impaired [Line Items]  
Commercial and Consumer loans by credit quality indicator
The following table presents commercial loans by credit quality indicator at March 31, 2012.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 3,316,048$ 168,927$ 157,778$ 76,263$ 3,719,016
Commercial real estate - owner occupied  877,924  45,344  112,673  38,814  1,074,755
Lease financing  50,837  844  487  9,040  61,208
Commercial and business lending  4,244,809  215,115  270,938  124,117  4,854,979
Commercial real estate - investor  2,247,172  114,865  167,339  134,875  2,664,251
Real estate construction  479,848  10,210  27,654  48,241  565,953
Commercial real estate lending  2,727,020  125,075  194,993  183,116  3,230,204
Total commercial$ 6,971,829$ 340,190$ 465,931$ 307,233$ 8,085,183
           
The following table presents commercial loans by credit quality indicator at December 31, 2011.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 3,283,090$ 209,713$ 153,306$ 78,627$ 3,724,736
Commercial real estate - owner occupied  853,517  53,090  136,366  43,856  1,086,829
Lease financing  46,570  822  158  10,644  58,194
Commercial and business lending  4,183,177  263,625  289,830  133,127  4,869,759
Commercial real estate - investor  2,055,124  135,668  230,206  142,769  2,563,767
Real estate construction  494,839  8,775  27,649  52,783  584,046
Commercial real estate lending  2,549,963  144,443  257,855  195,552  3,147,813
Total commercial$ 6,733,140$ 408,068$ 547,685$ 328,679$ 8,017,572
Consumer Loan [Member]
  
Financing Receivable, Impaired [Line Items]  
Commercial and Consumer loans by credit quality indicator
The following table presents consumer loans by credit quality indicator at March 31, 2012.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 2,425,602$ 18,007$ 4,441$ 53,720$ 2,501,770
Installment  531,047  2,813  142  3,626  537,628
Total retail  2,956,649  20,820  4,583  57,346  3,039,398
Residential mortgage  3,026,225  10,114  9,580  83,225  3,129,144
Total consumer$ 5,982,874$ 30,934$ 14,163$ 140,571$ 6,168,542
           
The following table presents consumer loans by credit quality indicator at December 31, 2011.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 2,431,207$ 12,189$ 5,451$ 55,857$ 2,504,704
Installment  551,227  2,592  233  3,730  557,782
Total retail  2,982,434  14,781  5,684  59,587  3,062,486
Residential mortgage  2,849,082  7,224  13,037  81,670  2,951,013
Total consumer$ 5,831,516$ 22,005$ 18,721$ 141,257$ 6,013,499