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Loans, Allowance for Loan Losses, and Credit Quality (Tables)
 9 Months Ended
Sep. 30, 2012
Financing Receivable, Impaired [Line Items]  
Loan composition
The period end loan composition was as follows.
          
     September 30,  December 31, 
     2012  2011 
     ($ in Thousands) 
Commercial and industrial$ 4,265,356 $ 3,724,736 
Commercial real estate - owner occupied  1,197,517   1,086,829 
Lease financing  60,818   58,194 
 Commercial and business lending  5,523,691   4,869,759 
Commercial real estate - investor  2,787,158   2,563,767 
Real estate construction  611,186   584,046 
 Commercial real estate lending  3,398,344   3,147,813 
  Total commercial  8,922,035   8,017,572 
Home equity  2,356,900   2,504,704 
Installment  482,451   557,782 
 Total retail  2,839,351   3,062,486 
Residential mortgage  3,204,828   2,951,013 
  Total consumer  6,044,179   6,013,499 
   Total loans$ 14,966,214 $ 14,031,071 
Changes in the allowance for loan losses
A summary of the changes in the allowance for loan losses was as follows.
        
   September 30,  December 31, 
   2012  2011 
   ($ in Thousands) 
Balance at beginning of period$378,151 $476,813 
Provision for loan losses 0  52,000 
Charge offs (86,629)  (189,732) 
Recoveries 23,628  39,070 
 Net charge offs (63,001)  (150,662) 
Balance at end of period$315,150 $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 nine months ended September 30, 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  8,943  (2,492)  (1,677)  (11,965)  (6,684)  6,293  163  7,419  -
Charge offs  (35,830)  (2,402)  (21)  (10,968)  (2,139)  (25,146)  (1,763)  (8,360)  (86,629)
Recoveries  13,583  831  1,877  1,532  1,538  2,990  967  310  23,628
Balance at Sep 30, 2012$ 111,070$ 32,137$ 2,746$ 65,288$ 14,042$ 54,281$ 5,990$ 29,596$ 315,150
                   
Allowance for loan losses:          
Ending balance impaired loans individually evaluated for impairment$ 7,814$ 1,042$ -$ 8,759$ 1,653$ 888$ 515$ 1,870$ 22,541
Ending balance impaired loans collectively evaluated for impairment$ 7,578$ 4,721$ 22$ 7,507$ 3,072$ 24,343$ 1,796$ 14,241$ 63,280
Ending balance all other loans collectively evaluated for impairment$ 95,678$ 26,374$ 2,724$ 49,022$ 9,317$ 29,050$ 3,679$ 13,485$ 229,329
Total$ 111,070$ 32,137$ 2,746$ 65,288$ 14,042$ 54,281$ 5,990$ 29,596$ 315,150
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 28,409$ 17,372$ 5,386$ 59,441$ 24,359$ 4,880$ 515$ 11,565$ 151,927
Ending balance impaired loans collectively evaluated for impairment$ 48,300$ 25,495$ 541$ 61,330$ 10,886$ 43,054$ 3,050$ 69,380$ 262,036
Ending balance all other loans collectively evaluated for impairment$ 4,188,647$ 1,154,650$ 54,891$ 2,666,387$ 575,941$ 2,308,966$ 478,886$ 3,123,883$ 14,552,251
Total$ 4,265,356$ 1,197,517$ 60,818$ 2,787,158$ 611,186$ 2,356,900$ 482,451$ 3,204,828$ 14,966,214

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
Summarized details of Loans
The following table presents loans by past due status at September 30, 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$ 2,525$ 1,270$ -$ 3,795$ 4,219,867$ 4,223,662
Commercial real estate - owner occupied  1,453  3,390  1,052  5,895  1,164,461  1,170,356
Lease financing  -  17  -  17  54,874  54,891
Commercial and business lending  3,978  4,677  1,052  9,707  5,439,202  5,448,909
Commercial real estate - investor  7,203  1,606  615  9,424  2,706,212  2,715,636
Real estate construction  1,057  197  -  1,254  578,248  579,502
Commercial real estate lending  8,260  1,803  615  10,678  3,284,460  3,295,138
Total commercial  12,238  6,480  1,667  20,385  8,723,662  8,744,047
Home equity  11,020  3,803  55  14,878  2,303,555  2,318,433
Installment  1,235  458  612  2,305  477,253  479,558
Total retail  12,255  4,261  667  17,183  2,780,808  2,797,991
Residential mortgage  6,214  664  -  6,878  3,139,126  3,146,004
Total consumer  18,469  4,925  667  24,061  5,919,934  5,943,995
Total accruing loans$ 30,707$ 11,405$ 2,334$ 44,446$ 14,643,596$ 14,688,042
             
Nonaccrual loans            
Commercial and industrial$ 923$ 4,013$ 10,808$ 15,744$ 25,950$ 41,694
Commercial real estate - owner occupied  1,797  1,576  11,867  15,240  11,921  27,161
Lease financing  -  -  483  483  5,444  5,927
Commercial and business lending  2,720  5,589  23,158  31,467  43,315  74,782
Commercial real estate - investor  3,338  4,104  33,045  40,487  31,035  71,522
Real estate construction  -  288  16,578  16,866  14,818  31,684
Commercial real estate lending  3,338  4,392  49,623  57,353  45,853  103,206
Total commercial  6,058  9,981  72,781  88,820  89,168  177,988
Home equity  2,072  2,068  29,292  33,432  5,035  38,467
Installment  144  173  1,590  1,907  986  2,893
Total retail  2,216  2,241  30,882  35,339  6,021  41,360
Residential mortgage  2,018  4,237  41,173  47,428  11,396  58,824
Total consumer  4,234  6,478  72,055  82,767  17,417  100,184
Total nonaccrual loans$ 10,292$ 16,459$ 144,836$ 171,587$ 106,585$ 278,172
             
Total loans            
Commercial and industrial$ 3,448$ 5,283$ 10,808$ 19,539$ 4,245,817$ 4,265,356
Commercial real estate - owner occupied  3,250  4,966  12,919  21,135  1,176,382  1,197,517
Lease financing  -  17  483  500  60,318  60,818
Commercial and business lending  6,698  10,266  24,210  41,174  5,482,517  5,523,691
Commercial real estate - investor  10,541  5,710  33,660  49,911  2,737,247  2,787,158
Real estate construction  1,057  485  16,578  18,120  593,066  611,186
Commercial real estate lending  11,598  6,195  50,238  68,031  3,330,313  3,398,344
Total commercial  18,296  16,461  74,448  109,205  8,812,830  8,922,035
Home equity  13,092  5,871  29,347  48,310  2,308,590  2,356,900
Installment  1,379  631  2,202  4,212  478,239  482,451
Total retail  14,471  6,502  31,549  52,522  2,786,829  2,839,351
Residential mortgage  8,232  4,901  41,173  54,306  3,150,522  3,204,828
Total consumer  22,703  11,403  72,722  106,828  5,937,351  6,044,179
Total loans$ 40,999$ 27,864$ 147,170$ 216,033$ 14,750,181$ 14,966,214
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at September 30, 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 $5 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 September 30, 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$ 64,379$ 71,469$ 15,392$ 61,871$ 2,133
Commercial real estate - owner occupied  28,651  33,207  5,763  29,659  801
Lease financing  541  541  22  629  -
Commercial and business lending  93,571  105,217  21,177  92,159  2,934
Commercial real estate - investor  99,242  122,537  16,266  100,899  2,514
Real estate construction  19,393  26,048  4,725  20,931  273
Commercial real estate lending  118,635  148,585  20,991  121,830  2,787
Total commercial  212,206  253,802  42,168  213,989  5,721
Home equity  46,117  53,402  25,231  49,216  1,276
Installment  3,565  3,939  2,311  3,812  121
Total retail  49,682  57,341  27,542  53,028  1,397
Residential mortgage  74,082  81,538  16,111  76,284  1,505
Total consumer  123,764  138,879  43,653  129,312  2,902
Total loans$ 335,970$ 392,681$ 85,821$ 343,301$ 8,623
           
Loans with no related allowance           
Commercial and industrial$ 12,330$ 20,446$ -$ 12,932$ 98
Commercial real estate - owner occupied  14,216  17,290  -  15,250  197
Lease financing  5,386  5,386  -  7,564  -
Commercial and business lending  31,932  43,122  -  35,746  295
Commercial real estate - investor  21,529  32,191  -  23,201  46
Real estate construction  15,852  30,052  -  16,994  22
Commercial real estate lending  37,381  62,243  -  40,195  68
Total commercial  69,313  105,365  -  75,941  363
Home equity  1,817  2,206  -  1,985  2
Installment  -  -  -  -  -
Total retail  1,817  2,206  -  1,985  2
Residential mortgage  6,863  8,296  -  7,824  40
Total consumer  8,680  10,502  -  9,809  42
Total loans$ 77,993$ 115,867$ -$ 85,750$ 405
           
Total          
Commercial and industrial$ 76,709$ 91,915$ 15,392$ 74,803$ 2,231
Commercial real estate - owner occupied  42,867  50,497  5,763  44,909  998
Lease financing  5,927  5,927  22  8,193  -
Commercial and business lending  125,503  148,339  21,177  127,905  3,229
Commercial real estate - investor  120,771  154,728  16,266  124,100  2,560
Real estate construction  35,245  56,100  4,725  37,925  295
Commercial real estate lending  156,016  210,828  20,991  162,025  2,855
Total commercial  281,519  359,167  42,168  289,930  6,084
Home equity  47,934  55,608  25,231  51,201  1,278
Installment  3,565  3,939  2,311  3,812  121
Total retail  51,499  59,547  27,542  55,013  1,399
Residential mortgage  80,945  89,834  16,111  84,108  1,545
Total consumer  132,444  149,381  43,653  139,121  2,944
Total loans$ 413,963$ 508,548$ 85,821$ 429,051$ 9,028
           
*Interest income recognized included $5 million of interest income recognized on accruing restructured loans for the nine months ended September 30, 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 $6 million of interest income recognized on accruing restructured loans for the year ended December 31, 2011.
Nonaccrual and Performing Restructured Loans
  September 30, 2012 December 31, 2011 
  Performing Restructured Loans Nonaccrual Restructured Loans * Performing Restructured Loans Nonaccrual Restructured Loans * 
  ($ in Thousands)
Commercial and industrial$ 35,015$ 15,414$ 22,552$ 12,211 
Commercial real estate - owner occupied  15,706  11,692  8,138  9,706 
Commercial real estate - investor  49,249  23,985  43,417  30,303 
Real estate construction   3,561  6,468  10,977  14,253 
Home equity  9,467  5,477  8,950  6,268 
Installment  672  1,102  1,015  1,163 
Residential mortgage  22,121  10,113  18,115  13,589 
Total $ 135,791$ 74,251$ 113,164$ 87,493 
          
* Nonaccrual restructured loans have been included with nonaccrual loans.   
Summary of Restructured Loans
The following table provides the number of loans modified in a troubled debt restructuring by loan portfolio during the three and nine months ended September 30, 2012, and the recorded investment and unpaid principal balance as of September 30, 2012.
             
  Three Months Ended September 30, 2012 Nine Months Ended September 30, 2012
  Number of Loans Recorded Investment (1) Unpaid Principal Balance (2) Number of Loans Recorded Investment (1) Unpaid Principal Balance (2)
  ($ in Thousands)
Commercial and industrial  27$ 4,984$ 5,165  82$ 15,956$ 19,053
Commercial real estate - owner occupied  11  5,747  5,958  29  11,371  12,116
Commercial real estate - investor  3  3,201  3,583  25  12,514  13,400
Real estate construction   3  45  48  8  864  1,214
Home equity  9  619  652  33  1,796  1,845
Installment  5  138  140  10  219  222
Residential mortgage  1  108  108  15  3,145  3,329
Total  59$ 14,842$ 15,654  202$ 45,865$ 51,179
             
(1) Represents post-modification outstanding recorded investment.      
(2) Represents pre-modification outstanding recorded investment.      
Troubled debt restructurings subsequent redefault
  Three Months Ended September 30, 2012 Nine Months Ended September 30, 2012
  Number of LoansRecorded InvestmentNumber of Loans Recorded Investment
  ($ in Thousands)
Commercial and industrial 6$ 847 19$ 2,103
Commercial real estate - owner occupied 4  572 8  2,734
Commercial real estate - investor 4  3,678 12  8,487
Real estate construction  2  432 6  2,079
Home equity 8  1,829 12  2,065
Installment 0  ― 2  333
Residential mortgage 5  609 11  1,157
Total 29$ 7,967 70$ 18,958
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 September 30, 2012.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 3,918,190$ 149,569$ 120,888$ 76,709$ 4,265,356
Commercial real estate - owner occupied  984,133  50,483  120,034  42,867  1,197,517
Lease financing  52,424  2,253  214  5,927  60,818
Commercial and business lending  4,954,747  202,305  241,136  125,503  5,523,691
Commercial real estate - investor  2,466,151  67,190  133,046  120,771  2,787,158
Real estate construction  551,109  6,355  18,477  35,245  611,186
Commercial real estate lending  3,017,260  73,545  151,523  156,016  3,398,344
Total commercial$ 7,972,007$ 275,850$ 392,659$ 281,519$ 8,922,035
           
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 September 30, 2012.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 2,290,800$ 14,823$ 3,343$ 47,934$ 2,356,900
Installment  477,062  1,693  131  3,565  482,451
Total retail  2,767,862  16,516  3,474  51,499  2,839,351
Residential mortgage  3,108,808  6,878  8,197  80,945  3,204,828
Total consumer$ 5,876,670$ 23,394$ 11,671$ 132,444$ 6,044,179
           
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