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Loans, Allowance for Loan Losses, and Credit Quality (Tables)
 3 Months Ended
Mar. 31, 2013
Financing Receivable, Impaired [Line Items]  
Loan composition
The period end loan composition was as follows.
          
     March 31,  December 31, 
     2013  2012 
     ($ in Thousands) 
Commercial and industrial$ 4,651,143 $ 4,502,021 
Commercial real estate - owner occupied  1,199,513   1,219,747 
Lease financing  57,908   64,196 
 Commercial and business lending  5,908,564   5,785,964 
Commercial real estate - investor  2,900,167   2,906,759 
Real estate construction  729,145   655,381 
 Commercial real estate lending  3,629,312   3,562,140 
  Total commercial  9,537,876   9,348,104 
Home equity  2,098,407   2,219,494 
Installment  447,445   466,727 
Residential mortgage  3,467,834   3,376,697 
  Total consumer  6,013,686   6,062,918 
   Total loans$ 15,551,562 $ 15,411,022 
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, 
   2013  2012 
   ($ in Thousands) 
Balance at beginning of period$297,409 $378,151 
Provision for loan losses 4,000  3,000 
Charge offs (27,128)  (117,046) 
Recoveries 12,642  33,304 
 Net charge offs (14,486)  (83,742) 
Balance at end of period$286,923 $297,409 
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, 2013, was as follows.
                   
$ in ThousandsCommercial and industrialCommercial real estate - owner occupiedLease financingCommercial real estate - investorReal estate constructionHome equityInstallmentResidential mortgage Total
         
Balance at Dec 31, 2012$ 97,852$ 27,389$ 3,024$ 63,181$ 20,741$ 56,826$ 4,299$ 24,097$ 297,409
Provision for loan losses  10,848  (3,503)  (281)  3,178  3,898  (11,826)  (870)  2,556  4,000
Charge offs  (7,075)  (1,661)  -   (4,034)  (1,978)  (7,230)  (431)  (4,719)  (27,128)
Recoveries  6,379  143  12  3,871  586  893  254  504  12,642
Balance at Mar 31, 2013$ 108,004$ 22,368$ 2,755$ 66,196$ 23,247$ 38,663$ 3,252$ 22,438$ 286,923
                   
Allowance for loan losses:          
Ending balance impaired loans individually evaluated for impairment$ 4,954$ 819$ - $ 6,196$ 482$ 1,666$ - $ 363$ 14,480
Ending balance impaired loans collectively evaluated for impairment$ 4,436$ 2,739$ 4$ 3,795$ 2,888$ 16,203$ 790$ 12,305$ 43,160
Total impaired loans$ 9,390$ 3,558$ 4$ 9,991$ 3,370$ 17,869$ 790$ 12,668$ 57,640
Ending balance all other loans collectively evaluated for impairment$ 98,614$ 18,810$ 2,751$ 56,205$ 19,877$ 20,794$ 2,462$ 9,770$ 229,283
Total$ 108,004$ 22,368$ 2,755$ 66,196$ 23,247$ 38,663$ 3,252$ 22,438$ 286,923
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 22,583$ 17,250$ 2,060$ 51,757$ 17,902$ 3,598$ - $ 10,667$ 125,817
Ending balance impaired loans collectively evaluated for impairment$ 39,910$ 18,837$ 105$ 46,272$ 9,804$ 39,903$ 2,426$ 62,455$ 219,712
Total impaired loans$ 62,493$ 36,087$ 2,165$ 98,029$ 27,706$ 43,501$ 2,426$ 73,122$ 345,529
Ending balance all other loans collectively evaluated for impairment$ 4,588,650$ 1,163,426$ 55,743$ 2,802,138$ 701,439$ 2,054,906$ 445,019$ 3,394,712$ 15,206,033
Total$ 4,651,143$ 1,199,513$ 57,908$ 2,900,167$ 729,145$ 2,098,407$ 447,445$ 3,467,834$ 15,551,562

For comparison purposes, a summary of the changes in the allowance for loan losses by portfolio segment for the year ended December 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  (1,645)  (5,184)  (645)  (14,304)  873  16,909  (501)  7,497  3,000
Charge offs  (43,240)  (4,080)  (797)  (14,000)  (3,588)  (34,125)  (3,057)  (14,159)  (117,046)
Recoveries  18,363  453  1,899  4,796  2,129  3,898  1,234  532  33,304
Balance at Dec 31, 2012$ 97,852$ 27,389$ 3,024$ 63,181$ 20,741$ 56,826$ 4,299$ 24,097$ 297,409
                   
Allowance for loan losses:              
Ending balance impaired loans individually evaluated for impairment$ 8,790$ 654$ - $ 5,241$ 1,079$ 868$ - $ 155$ 16,787
Ending balance impaired loans collectively evaluated for impairment$ 4,951$ 3,157$ - $ 4,446$ 2,332$ 23,712$ 1,155$ 12,751$ 52,504
Total impaired loans$ 13,741$ 3,811$ - $ 9,687$ 3,411$ 24,580$ 1,155$ 12,906$ 69,291
Ending balance all other loans collectively evaluated for impairment$ 84,111$ 23,578$ 3,024$ 53,494$ 17,330$ 32,246$ 3,144$ 11,191$ 228,118
Total$ 97,852$ 27,389$ 3,024$ 63,181$ 20,741$ 56,826$ 4,299$ 24,097$ 297,409
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 27,213$ 16,602$ 3,024$ 48,894$ 20,794$ 4,671$ - $ 11,330$ 132,528
Ending balance impaired loans collectively evaluated for impairment$ 40,109$ 21,504$ 7$ 51,453$ 11,038$ 44,512$ 2,491$ 70,313$ 241,427
Total impaired loans$ 67,322$ 38,106$ 3,031$ 100,347$ 31,832$ 49,183$ 2,491$ 81,643$ 373,955
Ending balance all other loans collectively evaluated for impairment$ 4,434,699$ 1,181,641$ 61,165$ 2,806,412$ 623,549$ 2,170,311$ 464,236$ 3,295,054$ 15,037,067
Total$ 4,502,021$ 1,219,747$ 64,196$ 2,906,759$ 655,381$ 2,219,494$ 466,727$ 3,376,697$ 15,411,022
Summarized details of Loans
The following table presents loans by past due status at March 31, 2013.
             
  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$ 7,470$ 2,793$ 210$ 10,473$ 4,607,428$ 4,617,901
Commercial real estate - owner occupied  5,286  1,518  2,389  9,193  1,167,121  1,176,314
Lease financing  2  281  -   283  55,460  55,743
Commercial and business lending  12,758  4,592  2,599  19,949  5,830,009  5,849,958
Commercial real estate - investor  21,801  3,400  1,922  27,123  2,816,268  2,843,391
Real estate construction  1,993  294  74  2,361  704,618  706,979
Commercial real estate lending  23,794  3,694  1,996  29,484  3,520,886  3,550,370
Total commercial  36,552  8,286  4,595  49,433  9,350,895  9,400,328
Home equity  3,412  3,137  93  6,642  2,057,820  2,064,462
Installment  2,042  458  858  3,358  442,325  445,683
Residential mortgage  7,399  1,394  144  8,937  3,406,716  3,415,653
Total consumer  12,853  4,989  1,095  18,937  5,906,861  5,925,798
Total accruing loans$ 49,405$ 13,275$ 5,690$ 68,370$ 15,257,756$ 15,326,126
             
Nonaccrual loans            
Commercial and industrial$ 3,392$ 483$ 9,996$ 13,871$ 19,371$ 33,242
Commercial real estate - owner occupied  2,877  657  9,927  13,461  9,738  23,199
Lease financing  10  -   17  27  2,138  2,165
Commercial and business lending  6,279  1,140  19,940  27,359  31,247  58,606
Commercial real estate - investor  4,897  1,121  33,628  39,646  17,130  56,776
Real estate construction  2,457  9  4,546  7,012  15,154  22,166
Commercial real estate lending  7,354  1,130  38,174  46,658  32,284  78,942
Total commercial  13,633  2,270  58,114  74,017  63,531  137,548
Home equity  679  1,698  23,536  25,913  8,032  33,945
Installment  124  121  484  729  1,033  1,762
Residential mortgage  3,094  3,686  32,601  39,381  12,800  52,181
Total consumer  3,897  5,505  56,621  66,023  21,865  87,888
Total nonaccrual loans$ 17,530$ 7,775$ 114,735$ 140,040$ 85,396$ 225,436
             
Total loans            
Commercial and industrial$ 10,862$ 3,276$ 10,206$ 24,344$ 4,626,799$ 4,651,143
Commercial real estate - owner occupied  8,163  2,175  12,316  22,654  1,176,859  1,199,513
Lease financing  12  281  17  310  57,598  57,908
Commercial and business lending  19,037  5,732  22,539  47,308  5,861,256  5,908,564
Commercial real estate - investor  26,698  4,521  35,550  66,769  2,833,398  2,900,167
Real estate construction  4,450  303  4,620  9,373  719,772  729,145
Commercial real estate lending  31,148  4,824  40,170  76,142  3,553,170  3,629,312
Total commercial  50,185  10,556  62,709  123,450  9,414,426  9,537,876
Home equity  4,091  4,835  23,629  32,555  2,065,852  2,098,407
Installment  2,166  579  1,342  4,087  443,358  447,445
Residential mortgage  10,493  5,080  32,745  48,318  3,419,516  3,467,834
Total consumer  16,750  10,494  57,716  84,960  5,928,726  6,013,686
Total loans$ 66,935$ 21,050$ 120,425$ 208,410$ 15,343,152$ 15,551,562
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $6 million at March 31, 2013 (the same as the reported balances for the accruing loans noted above).

The following table presents loans by past due status at December 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$ 9,557$ 1,782$ 79$ 11,418$ 4,451,421$ 4,462,839
Commercial real estate - owner occupied  10,420  633  308  11,361  1,184,132  1,195,493
Lease financing  -   12  -   12  61,153  61,165
Commercial and business lending  19,977  2,427  387  22,791  5,696,706  5,719,497
Commercial real estate - investor  8,424  5,048  366  13,838  2,834,234  2,848,072
Real estate construction  1,628  1,527  283  3,438  624,641  628,079
Commercial real estate lending  10,052  6,575  649  17,276  3,458,875  3,476,151
Total commercial  30,029  9,002  1,036  40,067  9,155,581  9,195,648
Home equity  10,151  3,387  96  13,634  2,166,645  2,180,279
Installment  1,300  809  1,013  3,122  461,767  464,889
Residential mortgage  8,473  930  144  9,547  3,307,791  3,317,338
Total consumer  19,924  5,126  1,253  26,303  5,936,203  5,962,506
Total accruing loans$ 49,953$ 14,128$ 2,289$ 66,370$ 15,091,784$ 15,158,154
             
Nonaccrual loans            
Commercial and industrial$ 8,559$ 791$ 11,962$ 21,312$ 17,870$ 39,182
Commercial real estate - owner occupied  1,489  1,749  11,819  15,057  9,197  24,254
Lease financing  15  -   9  24  3,007  3,031
Commercial and business lending  10,063  2,540  23,790  36,393  30,074  66,467
Commercial real estate - investor  197  3,072  30,928  34,197  24,490  58,687
Real estate construction  16  -   9,639  9,655  17,647  27,302
Commercial real estate lending  213  3,072  40,567  43,852  42,137  85,989
Total commercial  10,276  5,612  64,357  80,245  72,211  152,456
Home equity  1,456  2,518  28,474  32,448  6,767  39,215
Installment  153  141  586  880  958  1,838
Residential mortgage  2,135  4,321  38,739  45,195  14,164  59,359
Total consumer  3,744  6,980  67,799  78,523  21,889  100,412
Total nonaccrual loans$ 14,020$ 12,592$ 132,156$ 158,768$ 94,100$ 252,868
             
Total loans            
Commercial and industrial$ 18,116$ 2,573$ 12,041$ 32,730$ 4,469,291$ 4,502,021
Commercial real estate - owner occupied  11,909  2,382  12,127  26,418  1,193,329  1,219,747
Lease financing  15  12  9  36  64,160  64,196
Commercial and business lending  30,040  4,967  24,177  59,184  5,726,780  5,785,964
Commercial real estate - investor  8,621  8,120  31,294  48,035  2,858,724  2,906,759
Real estate construction  1,644  1,527  9,922  13,093  642,288  655,381
Commercial real estate lending  10,265  9,647  41,216  61,128  3,501,012  3,562,140
Total commercial  40,305  14,614  65,393  120,312  9,227,792  9,348,104
Home equity  11,607  5,905  28,570  46,082  2,173,412  2,219,494
Installment  1,453  950  1,599  4,002  462,725  466,727
Residential mortgage  10,608  5,251  38,883  54,742  3,321,955  3,376,697
Total consumer  23,668  12,106  69,052  104,826  5,958,092  6,062,918
Total loans$ 63,973$ 26,720$ 134,445$ 225,138$ 15,185,884$ 15,411,022
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at December 31, 2012 (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, 2013.
           
  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$ 51,262$ 56,894$ 9,390$ 52,001$ 385
Commercial real estate - owner occupied  23,953  26,397  3,558  24,380  213
Lease financing  105  105  4  122  -
Commercial and business lending  75,320  83,396  12,952  76,503  598
Commercial real estate - investor  79,905  90,732  9,991  80,833  580
Real estate construction  12,610  16,506  3,370  12,917  67
Commercial real estate lending  92,515  107,238  13,361  93,750  647
Total commercial  167,835  190,634  26,313  170,253  1,245
Home equity  42,898  50,329  17,869  44,127  354
Installment  2,426  2,833  790  2,472  30
Residential mortgage  64,754  74,268  12,668  66,213  396
Total consumer  110,078  127,430  31,327  112,812  780
Total loans$ 277,913$ 318,064$ 57,640$ 283,065$ 2,025
           
Loans with no related allowance           
Commercial and industrial$ 11,231$ 21,714$ - $ 14,666$ 58
Commercial real estate - owner occupied  12,134  13,788  -   12,204  16
Lease financing  2,060  2,060  -   2,390  -
Commercial and business lending  25,425  37,562  -   29,260  74
Commercial real estate - investor  18,124  29,646  -   19,312  -
Real estate construction  15,096  20,771  -   15,415  -
Commercial real estate lending  33,220  50,417  -   34,727  -
Total commercial  58,645  87,979  -   63,987  74
Home equity  603  707  -   604  -
Installment  -   -   -   -   -
Residential mortgage  8,368  11,551  -   8,590  40
Total consumer  8,971  12,258  -   9,194  40
Total loans$ 67,616$ 100,237$ - $ 73,181$ 114
           
Total          
Commercial and industrial$ 62,493$ 78,608$ 9,390$ 66,667$ 443
Commercial real estate - owner occupied  36,087  40,185  3,558  36,584  229
Lease financing  2,165  2,165  4  2,512  -
Commercial and business lending  100,745  120,958  12,952  105,763  672
Commercial real estate - investor  98,029  120,378  9,991  100,145  580
Real estate construction  27,706  37,277  3,370  28,332  67
Commercial real estate lending  125,735  157,655  13,361  128,477  647
Total commercial  226,480  278,613  26,313  234,240  1,319
Home equity  43,501  51,036  17,869  44,731  354
Installment  2,426  2,833  790  2,472  30
Residential mortgage  73,122  85,819  12,668  74,803  436
Total consumer  119,049  139,688  31,327  122,006  820
Total loans$ 345,529$ 418,301$ 57,640$ 356,246$ 2,139
           
*Interest income recognized included $1 million of interest income recognized on accruing restructured loans for the three months ended March 31, 2013.

The following table presents impaired loans at December 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$ 57,985$ 65,521$ 13,741$ 56,508$ 2,187
Commercial real estate - owner occupied  24,600  27,700  3,811  26,531  1,043
Lease financing  7  7  -   120  -
Commercial and business lending  82,592  93,228  17,552  83,159  3,230
Commercial real estate - investor  80,766  96,581  9,687  85,642  2,891
Real estate construction  16,299  22,311  3,411  19,122  437
Commercial real estate lending  97,065  118,892  13,098  104,764  3,328
Total commercial  179,657  212,120  30,650  187,923  6,558
Home equity  47,113  54,456  24,580  50,334  1,962
Installment  2,491  2,847  1,155  2,773  172
Residential mortgage  72,408  81,959  12,906  76,989  2,211
Total consumer  122,012  139,262  38,641  130,096  4,345
Total loans$ 301,669$ 351,382$ 69,291$ 318,019$ 10,903
           
Loans with no related allowance           
Commercial and industrial$ 9,337$ 16,339$ - $ 10,883$ 229
Commercial real estate - owner occupied  13,506  16,582  -   14,425  68
Lease financing  3,024  3,024  -   3,896  -
Commercial and business lending  25,867  35,945  -   29,204  297
Commercial real estate - investor  19,581  28,531  -   20,490  173
Real estate construction  15,533  24,724  -   18,350  109
Commercial real estate lending  35,114  53,255  -   38,840  282
Total commercial  60,981  89,200  -   68,044  579
Home equity  2,070  2,269  -   2,164  36
Installment  -   -   -   -   -
Residential mortgage  9,235  12,246  -   11,566  208
Total consumer  11,305  14,515  -   13,730  244
Total loans$ 72,286$ 103,715$ - $ 81,774$ 823
           
Total          
Commercial and industrial$ 67,322$ 81,860$ 13,741$ 67,391$ 2,416
Commercial real estate - owner occupied  38,106  44,282  3,811  40,956  1,111
Lease financing  3,031  3,031  -   4,016  -
Commercial and business lending  108,459  129,173  17,552  112,363  3,527
Commercial real estate - investor  100,347  125,112  9,687  106,132  3,064
Real estate construction  31,832  47,035  3,411  37,472  546
Commercial real estate lending  132,179  172,147  13,098  143,604  3,610
Total commercial  240,638  301,320  30,650  255,967  7,137
Home equity  49,183  56,725  24,580  52,498  1,998
Installment  2,491  2,847  1,155  2,773  172
Residential mortgage  81,643  94,205  12,906  88,555  2,419
Total consumer  133,317  153,777  38,641  143,826  4,589
Total loans$ 373,955$ 455,097$ 69,291$ 399,793$ 11,726
           
*Interest income recognized included $6 million of interest income recognized on accruing restructured loans for the year ended December 31, 2012.
Nonaccrual and Performing Restructured Loans
  March 31, 2013 December 31, 2012 
  Performing Restructured Loans Nonaccrual Restructured Loans * Performing Restructured Loans Nonaccrual Restructured Loans * 
  ($ in Thousands)
Commercial and industrial$ 29,251$ 9,221$ 28,140$ 12,496 
Commercial real estate - owner occupied  12,888  10,407  13,852  11,514 
Commercial real estate - investor  41,253  20,446  41,660  25,221 
Real estate construction   5,540  5,494  4,530  6,798 
Home equity  9,556  7,207  9,968  6,698 
Installment  664  665  653  674 
Residential mortgage  20,941  14,371  22,284  17,189 
Total $ 120,093$ 67,811$ 121,087$ 80,590 
          
* Nonaccrual restructured loans have been included with nonaccrual loans.   
Summary of Restructured Loans
  Three Months Ended March 31, 2013 Year Ended December 31, 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  22$ 2,844$ 5,315  85$ 12,827$ 15,834
Commercial real estate - owner occupied  3  2,217  2,228  27  11,978  12,766
Commercial real estate - investor  5  2,035  2,087  25  12,379  13,569
Real estate construction   5  1,960  1,980  31  2,955  3,549
Home equity  28  1,301  1,385  111  4,870  6,143
Installment  1  175  175  13  298  302
Residential mortgage  25  1,564  1,842  121  14,292  16,787
Total  89$ 12,096$ 15,012  413$ 59,599$ 68,950
             
(1) Represents post-modification outstanding recorded investment.       
(2) Represents pre-modification outstanding recorded investment.       
Troubled debt restructurings subsequent redefault
  Three Months Ended March 31, 2013 Year Ended December 31, 2012
  Number of LoansRecorded Investment Number of LoansRecorded Investment
  ($ in Thousands)
Commercial and industrial 7$ 1,170 16$ 1,736
Commercial real estate - owner occupied 1  74 10  4,729
Commercial real estate - investor 3  1,781 13  10,854
Real estate construction  0  ―  5  1,695
Home equity 3  109 14  2,049
Installment 0  ―  1  12
Residential mortgage 3  624 10  1,499
Total 17$ 3,758 69$ 22,574
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, 2013.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 4,335,991$ 125,292$ 127,367$ 62,493$ 4,651,143
Commercial real estate - owner occupied  1,017,171  53,157  93,098  36,087  1,199,513
Lease financing  55,134  358  251  2,165  57,908
Commercial and business lending  5,408,296  178,807  220,716  100,745  5,908,564
Commercial real estate - investor  2,636,172  64,191  101,775  98,029  2,900,167
Real estate construction  683,620  7,779  10,040  27,706  729,145
Commercial real estate lending  3,319,792  71,970  111,815  125,735  3,629,312
Total commercial$ 8,728,088$ 250,777$ 332,531$ 226,480$ 9,537,876
           
The following table presents commercial loans by credit quality indicator at December 31, 2012.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 4,208,478$ 97,787$ 128,434$ 67,322$ 4,502,021
Commercial real estate - owner occupied  1,030,632  51,417  99,592  38,106  1,219,747
Lease financing  58,099  2,802  264  3,031  64,196
Commercial and business lending  5,297,209  152,006  228,290  108,459  5,785,964
Commercial real estate - investor  2,634,035  65,309  107,068  100,347  2,906,759
Real estate construction  603,481  6,976  13,092  31,832  655,381
Commercial real estate lending  3,237,516  72,285  120,160  132,179  3,562,140
Total commercial$ 8,534,725$ 224,291$ 348,450$ 240,638$ 9,348,104
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, 2013.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 2,045,036$ 6,549$ 3,321$ 43,501$ 2,098,407
Installment  442,420  2,500  99  2,426  447,445
Residential mortgage  3,378,037  8,793  7,882  73,122  3,467,834
Total consumer$ 5,865,493$ 17,842$ 11,302$ 119,049$ 6,013,686
           
The following table presents consumer loans by credit quality indicator at December 31, 2012.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 2,153,103$ 13,538$ 3,670$ 49,183$ 2,219,494
Installment  462,016  2,109  111  2,491  466,727
Residential mortgage  3,276,889  9,403  8,762  81,643  3,376,697
Total consumer$ 5,892,008$ 25,050$ 12,543$ 133,317$ 6,062,918