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Loans, Allowance for Loan Losses, and Credit Quality (Tables)
 3 Months Ended
Mar. 31, 2014
Financing Receivable, Impaired [Line Items]  
Loan composition
The period end loan composition was as follows.
          
     March 31,  December 31, 
     2014  2013 
     ($ in Thousands) 
Commercial and industrial$ 5,222,141 $ 4,822,680 
Commercial real estate - owner occupied  1,098,089   1,114,715 
Lease financing  52,500   55,483 
 Commercial and business lending  6,372,730   5,992,878 
Commercial real estate - investor  3,001,219   2,939,456 
Real estate construction  969,617   896,248 
 Commercial real estate lending  3,970,836   3,835,704 
  Total commercial  10,343,566   9,828,582 
Home equity  1,762,002   1,825,014 
Installment  393,321   407,074 
Residential mortgage  3,942,555   3,835,591 
  Total consumer  6,097,878   6,067,679 
   Total loans$ 16,441,444 $ 15,896,261 
Changes in the allowance for loan losses
A summary of the changes in the allowance for credit losses was as follows.
        
  Three Months Ended Year Ended 
  March 31, 2014 December 31, 2013 
   ($ in Thousands) 
Allowance for Loan Losses:      
Balance at beginning of period$268,315 $297,409 
Provision for loan losses 5,000  10,000 
Charge offs (11,361)  (88,061) 
Recoveries 5,962  48,967 
 Net charge offs (5,399)  (39,094) 
Balance at end of period$267,916 $268,315 
Allowance for Unfunded Commitments:      
Balance at beginning of period$ 21,900 $21,800 
Provision for unfunded commitments  -  100 
Balance at end of period$21,900 $21,900 
Allowance for Credit Losses$289,816 $290,215 
Changes in the allowance for loan losses by portfolio segment
 
                   
$ in ThousandsCommercial and industrialCommercial real estate - owner occupiedLease financingCommercial real estate - investorReal estate constructionHome equityInstallmentResidential mortgage Total
         
Balance at Dec 31, 2013$ 104,501$ 19,476$ 1,607$ 58,156$ 23,418$ 32,196$ 2,416$ 26,545$ 268,315
Provision for loan losses  9,593  (97)  374  (3,325)  (2,341)  495  96  205  5,000
Charge offs  (5,334)  (163)  -  (302)  (271)  (3,581)  (307)  (1,403)  (11,361)
Recoveries  2,609  287  -  1,333  158  1,134  194  247  5,962
Balance at Mar 31, 2014$ 111,369$ 19,503$ 1,981$ 55,862$ 20,964$ 30,244$ 2,399$ 25,594$ 267,916
                   
Allowance for loan losses:          
Ending balance impaired loans individually evaluated for impairment$ 6,978$ 1,322$ -$ 3,983$ 203$ 4$ -$ 259$ 12,749
Ending balance impaired loans collectively evaluated for impairment$ 3,667$ 1,864$ 69$ 4,141$ 1,947$ 13,095$ 448$ 11,829$ 37,060
Total impaired loans$ 10,645$ 3,186$ 69$ 8,124$ 2,150$ 13,099$ 448$ 12,088$ 49,809
Ending balance all other loans collectively evaluated for impairment$ 100,724$ 16,317$ 1,912$ 47,738$ 18,814$ 17,145$ 1,951$ 13,506$ 218,107
Total$ 111,369$ 19,503$ 1,981$ 55,862$ 20,964$ 30,244$ 2,399$ 25,594$ 267,916
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 31,526$ 21,580$ -$ 28,790$ 3,930$ 427$ -$ 9,966$ 96,219
Ending balance impaired loans collectively evaluated for impairment$ 34,738$ 16,734$ 172$ 50,841$ 5,691$ 31,630$ 1,140$ 57,737$ 198,683
Total impaired loans$ 66,264$ 38,314$ 172$ 79,631$ 9,621$ 32,057$ 1,140$ 67,703$ 294,902
Ending balance all other loans collectively evaluated for impairment$ 5,155,877$ 1,059,775$ 52,328$ 2,921,588$ 959,996$ 1,729,945$ 392,181$ 3,874,852$ 16,146,542
Total$ 5,222,141$ 1,098,089$ 52,500$ 3,001,219$ 969,617$ 1,762,002$ 393,321$ 3,942,555$ 16,441,444

                   
$ 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  12,930  (1,778)  (1,429)  (2,140)  541  (8,213)  (2,127)  12,216  10,000
Charge offs  (35,146)  (6,474)  (206)  (9,846)  (3,375)  (20,629)  (1,389)  (10,996)  (88,061)
Recoveries  28,865  339  218  6,961  5,511  4,212  1,633  1,228  48,967
Balance at Dec 31, 2013$ 104,501$ 19,476$ 1,607$ 58,156$ 23,418$ 32,196$ 2,416$ 26,545$ 268,315
                   
Allowance for loan losses:              
Ending balance impaired loans individually evaluated for impairment$ 7,994$ 1,019$ -$ 3,932$ 254$ 123$ -$ 315$ 13,637
Ending balance impaired loans collectively evaluated for impairment$ 3,923$ 1,936$ 29$ 3,963$ 2,162$ 13,866$ 487$ 11,872$ 38,238
Total impaired loans$ 11,917$ 2,955$ 29$ 7,895$ 2,416$ 13,989$ 487$ 12,187$ 51,875
Ending balance all other loans collectively evaluated for impairment$ 92,584$ 16,521$ 1,578$ 50,261$ 21,002$ 18,207$ 1,929$ 14,358$ 216,440
Total$ 104,501$ 19,476$ 1,607$ 58,156$ 23,418$ 32,196$ 2,416$ 26,545$ 268,315
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 29,343$ 24,744$ -$ 32,367$ 3,777$ 929$ -$ 10,526$ 101,686
Ending balance impaired loans collectively evaluated for impairment$ 40,893$ 17,929$ 69$ 50,175$ 6,483$ 33,871$ 1,360$ 56,947$ 207,727
Total impaired loans$ 70,236$ 42,673$ 69$ 82,542$ 10,260$ 34,800$ 1,360$ 67,473$ 309,413
Ending balance all other loans collectively evaluated for impairment$ 4,752,444$ 1,072,042$ 55,414$ 2,856,914$ 885,988$ 1,790,214$ 405,714$ 3,768,118$ 15,586,848
Total$ 4,822,680$ 1,114,715$ 55,483$ 2,939,456$ 896,248$ 1,825,014$ 407,074$ 3,835,591$ 15,896,261
Summarized details of Loans
The following table presents loans by past due status at March 31, 2014.
             
  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$ 3,484$ 642$ 16$ 4,142$ 5,179,511$ 5,183,653
Commercial real estate - owner occupied  5,292  50  -  5,342  1,066,012  1,071,354
Lease financing  567  -  -  567  51,761  52,328
Commercial and business lending  9,343  692  16  10,051  6,297,284  6,307,335
Commercial real estate - investor  5,582  1,606  -  7,188  2,960,420  2,967,608
Real estate construction  295  384  -  679  962,271  962,950
Commercial real estate lending  5,877  1,990  -  7,867  3,922,691  3,930,558
Total commercial  15,220  2,682  16  17,918  10,219,975  10,237,893
Home equity  8,114  1,705  68  9,887  1,729,630  1,739,517
Installment  1,004  265  586  1,855  390,551  392,406
Residential mortgage  3,968  530  53  4,551  3,889,099  3,893,650
Total consumer  13,086  2,500  707  16,293  6,009,280  6,025,573
Total accruing loans$ 28,306$ 5,182$ 723$ 34,211$ 16,229,255$ 16,263,466
             
Nonaccrual loans            
Commercial and industrial$ 3,395$ 1,613$ 4,131$ 9,139$ 29,349$ 38,488
Commercial real estate - owner occupied  1,040  987  3,641  5,668  21,067  26,735
Lease financing  29  -  10  39  133  172
Commercial and business lending  4,464  2,600  7,782  14,846  50,549  65,395
Commercial real estate - investor  1,832  3,915  17,037  22,784  10,827  33,611
Real estate construction  21  24  2,529  2,574  4,093  6,667
Commercial real estate lending  1,853  3,939  19,566  25,358  14,920  40,278
Total commercial  6,317  6,539  27,348  40,204  65,469  105,673
Home equity  1,824  2,216  11,678  15,718  6,767  22,485
Installment  86  200  133  419  496  915
Residential mortgage  3,817  3,536  24,194  31,547  17,358  48,905
Total consumer  5,727  5,952  36,005  47,684  24,621  72,305
Total nonaccrual loans$ 12,044$ 12,491$ 63,353$ 87,888$ 90,090$ 177,978
             
Total loans            
Commercial and industrial$ 6,879$ 2,255$ 4,147$ 13,281$ 5,208,860$ 5,222,141
Commercial real estate - owner occupied  6,332  1,037  3,641  11,010  1,087,079  1,098,089
Lease financing  596  -  10  606  51,894  52,500
Commercial and business lending  13,807  3,292  7,798  24,897  6,347,833  6,372,730
Commercial real estate - investor  7,414  5,521  17,037  29,972  2,971,247  3,001,219
Real estate construction  316  408  2,529  3,253  966,364  969,617
Commercial real estate lending  7,730  5,929  19,566  33,225  3,937,611  3,970,836
Total commercial  21,537  9,221  27,364  58,122  10,285,444  10,343,566
Home equity  9,938  3,921  11,746  25,605  1,736,397  1,762,002
Installment  1,090  465  719  2,274  391,047  393,321
Residential mortgage  7,785  4,066  24,247  36,098  3,906,457  3,942,555
Total consumer  18,813  8,452  36,712  63,977  6,033,901  6,097,878
Total loans$ 40,350$ 17,673$ 64,076$ 122,099$ 16,319,345$ 16,441,444
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $723 thousand at March 31, 2014 (the same as the reported balances for the accruing loans noted above).

The following table presents loans by past due status at December 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$ 3,390$ 3,436$ 1,199$ 8,025$ 4,776,936$ 4,784,961
Commercial real estate - owner occupied  1,015  2,091  -  3,106  1,081,945  1,085,051
Lease financing  -  -  -  -  55,414  55,414
Commercial and business lending  4,405  5,527  1,199  11,131  5,914,295  5,925,426
Commercial real estate - investor  9,081  14,134  -  23,215  2,878,645  2,901,860
Real estate construction  836  1,118  -  1,954  887,827  889,781
Commercial real estate lending  9,917  15,252  -  25,169  3,766,472  3,791,641
Total commercial  14,322  20,779  1,199  36,300  9,680,767  9,717,067
Home equity  8,611  2,069  346  11,026  1,788,821  1,799,847
Installment  885  265  637  1,787  404,173  405,960
Residential mortgage  5,253  865  168  6,286  3,781,673  3,787,959
Total consumer  14,749  3,199  1,151  19,099  5,974,667  5,993,766
Total accruing loans$ 29,071$ 23,978$ 2,350$ 55,399$ 15,655,434$ 15,710,833
             
Nonaccrual loans            
Commercial and industrial$ 998$ 1,764$ 9,765$ 12,527$ 25,192$ 37,719
Commercial real estate - owner occupied  2,482  1,724  11,125  15,331  14,333  29,664
Lease financing  -  -  69  69  -  69
Commercial and business lending  3,480  3,488  20,959  27,927  39,525  67,452
Commercial real estate - investor  3,408  899  20,466  24,773  12,823  37,596
Real estate construction  2,376  -  2,267  4,643  1,824  6,467
Commercial real estate lending  5,784  899  22,733  29,416  14,647  44,063
Total commercial  9,264  4,387  43,692  57,343  54,172  111,515
Home equity  1,725  1,635  14,331  17,691  7,476  25,167
Installment  129  24  289  442  672  1,114
Residential mortgage  3,199  3,257  26,201  32,657  14,975  47,632
Total consumer  5,053  4,916  40,821  50,790  23,123  73,913
Total nonaccrual loans$ 14,317$ 9,303$ 84,513$ 108,133$ 77,295$ 185,428
             
Total loans            
Commercial and industrial$ 4,388$ 5,200$ 10,964$ 20,552$ 4,802,128$ 4,822,680
Commercial real estate - owner occupied  3,497  3,815  11,125  18,437  1,096,278  1,114,715
Lease financing  -  -  69  69  55,414  55,483
Commercial and business lending  7,885  9,015  22,158  39,058  5,953,820  5,992,878
Commercial real estate - investor  12,489  15,033  20,466  47,988  2,891,468  2,939,456
Real estate construction  3,212  1,118  2,267  6,597  889,651  896,248
Commercial real estate lending  15,701  16,151  22,733  54,585  3,781,119  3,835,704
Total commercial  23,586  25,166  44,891  93,643  9,734,939  9,828,582
Home equity  10,336  3,704  14,677  28,717  1,796,297  1,825,014
Installment  1,014  289  926  2,229  404,845  407,074
Residential mortgage  8,452  4,122  26,369  38,943  3,796,648  3,835,591
Total consumer  19,802  8,115  41,972  69,889  5,997,790  6,067,679
Total loans$ 43,388$ 33,281$ 86,863$ 163,532$ 15,732,729$ 15,896,261
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at December 31, 2013 (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, 2014.
           
  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$ 56,650$ 62,196$ 10,645$ 58,237$ 347
Commercial real estate - owner occupied  21,746  24,807  3,186  21,918  164
Lease financing  172  10  69  10  -
Commercial and business lending  78,568  87,013  13,900  80,165  511
Commercial real estate - investor  66,402  76,331  8,124  66,761  529
Real estate construction  7,972  11,841  2,150  8,228  43
Commercial real estate lending  74,374  88,172  10,274  74,989  572
Total commercial  152,942  175,185  24,174  155,154  1,083
Home equity  31,742  36,421  13,099  32,014  336
Installment  1,140  1,392  448  1,167  14
Residential mortgage  59,396  63,493  12,088  59,786  416
Total consumer  92,278  101,306  25,635  92,967  766
Total loans$ 245,220$ 276,491$ 49,809$ 248,121$ 1,849
           
Loans with no related allowance           
Commercial and industrial$ 9,614$ 16,994$ -$ 11,622$ 9
Commercial real estate - owner occupied  16,568  19,084  -  16,786  5
Lease financing  -  -  -  -  -
Commercial and business lending  26,182  36,078  -  28,408  14
Commercial real estate - investor  13,229  17,725  -  13,311  45
Real estate construction  1,649  2,078  -  1,707  3
Commercial real estate lending  14,878  19,803  -  15,018  48
Total commercial  41,060  55,881  -  43,426  62
Home equity  315  315  -  315  3
Installment  -  -  -  -  -
Residential mortgage  8,307  8,426  -  8,353  27
Total consumer  8,622  8,741  -  8,668  30
Total loans$ 49,682$ 64,622$ -$ 52,094$ 92
           
Total          
Commercial and industrial$ 66,264$ 79,190$ 10,645$ 69,859$ 356
Commercial real estate - owner occupied  38,314  43,891  3,186  38,704  169
Lease financing  172  10  69  10  -
Commercial and business lending  104,750  123,091  13,900  108,573  525
Commercial real estate - investor  79,631  94,056  8,124  80,072  574
Real estate construction  9,621  13,919  2,150  9,935  46
Commercial real estate lending  89,252  107,975  10,274  90,007  620
Total commercial  194,002  231,066  24,174  198,580  1,145
Home equity  32,057  36,736  13,099  32,329  339
Installment  1,140  1,392  448  1,167  14
Residential mortgage  67,703  71,919  12,088  68,139  443
Total consumer  100,900  110,047  25,635  101,635  796
Total loans$ 294,902$ 341,113$ 49,809$ 300,215$ 1,941
           
*Interest income recognized included $1 million of interest income recognized on accruing restructured loans for the three months ended March 31, 2014.

The following table presents impaired loans at December 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$ 57,857$ 65,443$ 11,917$ 61,000$ 1,741
Commercial real estate - owner occupied  22,651  25,072  2,955  24,549  995
Lease financing  69  69  29  76  -
Commercial and business lending  80,577  90,584  14,901  85,625  2,736
Commercial real estate - investor  64,647  68,228  7,895  68,776  2,735
Real estate construction  8,815  12,535  2,416  9,796  236
Commercial real estate lending  73,462  80,763  10,311  78,572  2,971
Total commercial  154,039  171,347  25,212  164,197  5,707
Home equity  34,707  40,344  13,989  36,623  1,518
Installment  1,360  1,676  487  1,753  100
Residential mortgage  60,157  69,699  12,187  62,211  1,861
Total consumer  96,224  111,719  26,663  100,587  3,479
Total loans$ 250,263$ 283,066$ 51,875$ 264,784$ 9,186
           
Loans with no related allowance           
Commercial and industrial$ 12,379$ 19,556$ -$ 14,291$ 306
Commercial real estate - owner occupied  20,022  22,831  -  20,602  315
Lease financing  -  -  -  -  -
Commercial and business lending  32,401  42,387  -  34,893  621
Commercial real estate - investor  17,895  25,449  -  19,354  130
Real estate construction  1,445  1,853  -  1,576  13
Commercial real estate lending  19,340  27,302  -  20,930  143
Total commercial  51,741  69,689  -  55,823  764
Home equity  93  92  -  94  2
Installment  -  -  -  -  -
Residential mortgage  7,316  8,847  -  7,321  185
Total consumer  7,409  8,939  -  7,415  187
Total loans$ 59,150$ 78,628$ -$ 63,238$ 951
           
Total          
Commercial and industrial$ 70,236$ 84,999$ 11,917$ 75,291$ 2,047
Commercial real estate - owner occupied  42,673  47,903  2,955  45,151  1,310
Lease financing  69  69  29  76  -
Commercial and business lending  112,978  132,971  14,901  120,518  3,357
Commercial real estate - investor  82,542  93,677  7,895  88,130  2,865
Real estate construction  10,260  14,388  2,416  11,372  249
Commercial real estate lending  92,802  108,065  10,311  99,502  3,114
Total commercial  205,780  241,036  25,212  220,020  6,471
Home equity  34,800  40,436  13,989  36,717  1,520
Installment  1,360  1,676  487  1,753  100
Residential mortgage  67,473  78,546  12,187  69,532  2,046
Total consumer  103,633  120,658  26,663  108,002  3,666
Total loans$ 309,413$ 361,694$ 51,875$ 328,022$ 10,137
           
*Interest income recognized included $6 million of interest income recognized on accruing restructured loans for the year ended December 31, 2013.
Nonaccrual and Performing Restructured Loans
  March 31, 2014  December 31, 2013 
  Performing Restructured Loans  Nonaccrual Restructured Loans *  Performing Restructured Loans  Nonaccrual Restructured Loans * 
  ($ in Thousands)
Commercial and industrial$ 27,776 $ 8,781 $ 32,517 $ 6,900 
Commercial real estate - owner occupied  11,579   15,697   13,009   10,999 
Commercial real estate - investor  46,020   14,619   44,946   18,069 
Real estate construction   2,954   2,558   3,793   2,065 
Home equity  9,572   7,785   9,633   5,419 
Installment  225   419   246   451 
Residential mortgage  18,798   24,372   19,841   15,682 
Total $ 116,924 $ 74,231 $ 123,985 $ 59,585 
             
* Nonaccrual restructured loans have been included with nonaccrual loans.    
Summary of Restructured Loans
  Three Months Ended March 31, 2014 Three Months Ended March 31, 2013
  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  8$ 3,446$ 7,218  22$ 2,844$ 5,315
Commercial real estate - owner occupied  4  5,298  5,781  3  2,217  2,228
Commercial real estate - investor  4  1,643  1,676  5  2,035  2,087
Real estate construction   ―  ―  ―  5  1,960  1,980
Home equity  30  935  1,218  28  1,301  1,385
Installment  1  10  20  1  175  175
Residential mortgage  21  2,750  2,920  25  1,564  1,842
Total  68$ 14,082$ 18,833  89$ 12,096$ 15,012
             
(1) Represents post-modification outstanding recorded investment.       
(2) Represents pre-modification outstanding recorded investment.       
Troubled debt restructurings subsequent redefault
  Three Months Ended March 31, 2014 Three Months Ended March 31, 2013
  Number of LoansRecorded Investment Number of LoansRecorded Investment
  ($ in Thousands)
Commercial and industrial  ―$ ― 7$ 1,170
Commercial real estate - owner occupied  ―  ― 1  74
Commercial real estate - investor  ―  ― 3  1,781
Real estate construction  1  161  ―  ―
Home equity 7  388 3  109
Installment 1  10  ―  ―
Residential mortgage 12  1,761 3  624
Total 21$ 2,320 17$ 3,758
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, 2014.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 4,923,304$ 123,546$ 109,027$ 66,264$ 5,222,141
Commercial real estate - owner occupied  938,769  56,221  64,785  38,314  1,098,089
Lease financing  46,892  2,371  3,065  172  52,500
Commercial and business lending  5,908,965  182,138  176,877  104,750  6,372,730
Commercial real estate - investor  2,835,903  50,895  34,790  79,631  3,001,219
Real estate construction  951,759  3,367  4,870  9,621  969,617
Commercial real estate lending  3,787,662  54,262  39,660  89,252  3,970,836
Total commercial$ 9,696,627$ 236,400$ 216,537$ 194,002$ 10,343,566
           
The following table presents commercial loans by credit quality indicator at December 31, 2013.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 4,485,160$ 153,615$ 113,669$ 70,236$ 4,822,680
Commercial real estate - owner occupied  959,849  55,404  56,789  42,673  1,114,715
Lease financing  52,733  897  1,784  69  55,483
Commercial and business lending  5,497,742  209,916  172,242  112,978  5,992,878
Commercial real estate - investor  2,740,255  64,230  52,429  82,542  2,939,456
Real estate construction  877,911  2,814  5,263  10,260  896,248
Commercial real estate lending  3,618,166  67,044  57,692  92,802  3,835,704
Total commercial$ 9,115,908$ 276,960$ 229,934$ 205,780$ 9,828,582
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, 2014.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 1,719,075$ 9,819$ 1,051$ 32,057$ 1,762,002
Installment  390,912  1,269  -  1,140  393,321
Residential mortgage  3,868,263  4,498  2,091  67,703  3,942,555
Total consumer$ 5,978,250$ 15,586$ 3,142$ 100,900$ 6,097,878
           
The following table presents consumer loans by credit quality indicator at December 31, 2013.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 1,777,421$ 10,680$ 2,113$ 34,800$ 1,825,014
Installment  404,514  1,150  50  1,360  407,074
Residential mortgage  3,758,688  6,118  3,312  67,473  3,835,591
Total consumer$ 5,940,623$ 17,948$ 5,475$ 103,633$ 6,067,679