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Loans, Allowance for Loan Losses, and Credit Quality (Tables)
 6 Months Ended
Jun. 30, 2014
Financing Receivable, Impaired [Line Items]  
Loan composition
The period end loan composition was as follows.
          
     June 30,  December 31, 
     2014  2013 
     ($ in Thousands) 
Commercial and industrial$ 5,616,205 $ 4,822,680 
Commercial real estate - owner occupied  1,070,463   1,114,715 
Lease financing  51,873   55,483 
 Commercial and business lending  6,738,541   5,992,878 
Commercial real estate - investor  2,990,732   2,939,456 
Real estate construction  1,000,421   896,248 
 Commercial real estate lending  3,991,153   3,835,704 
  Total commercial  10,729,694   9,828,582 
Home equity  1,713,372   1,825,014 
Installment and credit cards  469,203   407,074 
Residential mortgage  4,132,783   3,835,591 
  Total consumer  6,315,358   6,067,679 
   Total loans$ 17,045,052 $ 15,896,261 
Changes in the allowance for loan losses
A summary of the changes in the allowance for credit losses was as follows.
        
  Six Months Ended Year Ended 
  June 30, 2014 December 31, 2013 
   ($ in Thousands) 
Allowance for Loan Losses:      
Balance at beginning of period$268,315 $297,409 
Provision for loan losses 11,500  10,000 
Charge offs (20,468)  (88,061) 
Recoveries 12,504  48,967 
 Net charge offs (7,964)  (39,094) 
Balance at end of period$271,851 $268,315 
Allowance for Unfunded Commitments:      
Balance at beginning of period$ 21,900 $21,800 
Provision for unfunded commitments  (1,500)  100 
Balance at end of period$20,400 $21,900 
Allowance for Credit Losses$292,251 $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 equityInstallment and credit cardsResidential 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  18,684  1,638  674  (6,232)  (3,092)  133  (628)  323  11,500
Charge offs  (7,912)  (437)  (29)  (775)  (1,232)  (7,056)  (690)  (2,337)  (20,468)
Recoveries  6,564  1,111  -  2,045  324  1,833  330  297  12,504
Balance at Jun 30, 2014$ 121,837$ 21,788$ 2,252$ 53,194$ 19,418$ 27,106$ 1,428$ 24,828$ 271,851
                   
Allowance for loan losses:          
Ending balance impaired loans individually evaluated for impairment$ 8,329$ 2,524$ 620$ 3,598$ 162$ 5$ -$ 27$ 15,265
Ending balance impaired loans collectively evaluated for impairment$ 2,985$ 2,312$ 3$ 3,520$ 1,368$ 11,668$ 282$ 11,082$ 33,220
Total impaired loans$ 11,314$ 4,836$ 623$ 7,118$ 1,530$ 11,673$ 282$ 11,109$ 48,485
Ending balance all other loans collectively evaluated for impairment$ 110,523$ 16,952$ 1,629$ 46,076$ 17,888$ 15,433$ 1,146$ 13,719$ 223,366
Total$ 121,837$ 21,788$ 2,252$ 53,194$ 19,418$ 27,106$ 1,428$ 24,828$ 271,851
                   
Loans:                  
Ending balance impaired loans individually evaluated for impairment$ 34,371$ 24,998$ 1,532$ 23,958$ 4,045$ 1,039$ -$ 10,069$ 100,012
Ending balance impaired loans collectively evaluated for impairment$ 35,324$ 18,895$ 9$ 45,935$ 4,167$ 30,278$ 1,956$ 57,031$ 193,595
Total impaired loans$ 69,695$ 43,893$ 1,541$ 69,893$ 8,212$ 31,317$ 1,956$ 67,100$ 293,607
Ending balance all other loans collectively evaluated for impairment$ 5,546,510$ 1,026,570$ 50,332$ 2,920,839$ 992,209$ 1,682,055$ 467,247$ 4,065,683$ 16,751,445
Total$ 5,616,205$ 1,070,463$ 51,873$ 2,990,732$ 1,000,421$ 1,713,372$ 469,203$ 4,132,783$ 17,045,052

                   
$ in ThousandsCommercial and industrialCommercial real estate - owner occupiedLease financingCommercial real estate - investorReal estate constructionHome equityInstallment Residential 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 June 30, 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$ 1,447$ 1,072$ 289$ 2,808$ 5,572,551$ 5,575,359
Commercial real estate - owner occupied  3,087  3,236  -  6,323  1,032,415  1,038,738
Lease financing  -  556  -  556  49,776  50,332
Commercial and business lending  4,534  4,864  289  9,687  6,654,742  6,664,429
Commercial real estate - investor  772  2,222  -  2,994  2,959,603  2,962,597
Real estate construction  258  -  -  258  993,175  993,433
Commercial real estate lending  1,030  2,222  -  3,252  3,952,778  3,956,030
Total commercial  5,564  7,086  289  12,939  10,607,520  10,620,459
Home equity  8,299  2,510  -  10,809  1,681,690  1,692,499
Installment and credit cards  1,054  680  1,435  3,169  465,263  468,432
Residential mortgage  6,954  116  53  7,123  4,077,313  4,084,436
Total consumer  16,307  3,306  1,488  21,101  6,224,266  6,245,367
Total accruing loans$ 21,871$ 10,392$ 1,777$ 34,040$ 16,831,786$ 16,865,826
             
Nonaccrual loans            
Commercial and industrial$ 772$ 1,575$ 4,775$ 7,122$ 33,724$ 40,846
Commercial real estate - owner occupied  807  184  12,684  13,675  18,050  31,725
Lease financing  -  1,532  9  1,541  -  1,541
Commercial and business lending  1,579  3,291  17,468  22,338  51,774  74,112
Commercial real estate - investor  -  1,238  14,616  15,854  12,281  28,135
Real estate construction  178  51  1,776  2,005  4,983  6,988
Commercial real estate lending  178  1,289  16,392  17,859  17,264  35,123
Total commercial  1,757  4,580  33,860  40,197  69,038  109,235
Home equity  1,631  1,936  10,214  13,781  7,092  20,873
Installment and credit cards  97  40  216  353  418  771
Residential mortgage  3,014  5,440  21,676  30,130  18,217  48,347
Total consumer  4,742  7,416  32,106  44,264  25,727  69,991
Total nonaccrual loans$ 6,499$ 11,996$ 65,966$ 84,461$ 94,765$ 179,226
             
Total loans            
Commercial and industrial$ 2,219$ 2,647$ 5,064$ 9,930$ 5,606,275$ 5,616,205
Commercial real estate - owner occupied  3,894  3,420  12,684  19,998  1,050,465  1,070,463
Lease financing  -  2,088  9  2,097  49,776  51,873
Commercial and business lending  6,113  8,155  17,757  32,025  6,706,516  6,738,541
Commercial real estate - investor  772  3,460  14,616  18,848  2,971,884  2,990,732
Real estate construction  436  51  1,776  2,263  998,158  1,000,421
Commercial real estate lending  1,208  3,511  16,392  21,111  3,970,042  3,991,153
Total commercial  7,321  11,666  34,149  53,136  10,676,558  10,729,694
Home equity  9,930  4,446  10,214  24,590  1,688,782  1,713,372
Installment and credit cards  1,151  720  1,651  3,522  465,681  469,203
Residential mortgage  9,968  5,556  21,729  37,253  4,095,530  4,132,783
Total consumer  21,049  10,722  33,594  65,365  6,249,993  6,315,358
Total loans$ 28,370$ 22,388$ 67,743$ 118,501$ 16,926,551$ 17,045,052
             
* The recorded investment in loans past due 90 days or more and still accruing totaled $2 million at June 30, 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 June 30, 2014.
           
  Recorded Investment Unpaid Principal Balance Related Allowance  YTD Average Recorded Investment YTD Interest Income Recognized(a)
Loans with a related allowance  ($ in Thousands)
Commercial and industrial$ 61,673$ 68,860$ 11,314$ 63,375$ 574
Commercial real estate - owner occupied  26,477  29,237  4,836  27,144  380
Lease financing  1,541  1,541  623  1,548  -
Commercial and business lending  89,691  99,638  16,773  92,067  954
Commercial real estate - investor  60,614  64,582  7,118  61,367  1,126
Real estate construction  6,407  10,249  1,530  6,847  53
Commercial real estate lending  67,021  74,831  8,648  68,214  1,179
Total commercial  156,712  174,469  25,421  160,281  2,133
Home equity  30,456  34,346  11,673  31,114  704
Installment and credit cards  1,956  2,180  282  2,033  30
Residential mortgage  58,169  62,548  11,109  58,824  888
Total consumer  90,581  99,074  23,064  91,971  1,622
Total loans$ 247,293$ 273,543$ 48,485$ 252,252$ 3,755
           
Loans with no related allowance           
Commercial and industrial$ 8,022$ 13,598$ -$ 9,749$ 9
Commercial real estate - owner occupied  17,416  20,810  -  17,867  35
Lease financing  -  -  -  -  -
Commercial and business lending  25,438  34,408  -  27,616  44
Commercial real estate - investor  9,279  13,400  -  9,406  44
Real estate construction  1,805  2,953  -  2,379  24
Commercial real estate lending  11,084  16,353  -  11,785  68
Total commercial  36,522  50,761  -  39,401  112
Home equity  861  865  -  869  14
Installment and credit cards  -  -  -  -  -
Residential mortgage  8,931  9,050  -  8,971  59
Total consumer  9,792  9,915  -  9,840  73
Total loans$ 46,314$ 60,676$ -$ 49,241$ 185
           
Total          
Commercial and industrial$ 69,695$ 82,458$ 11,314$ 73,124$ 583
Commercial real estate - owner occupied  43,893  50,047  4,836  45,011  415
Lease financing  1,541  1,541  623  1,548  -
Commercial and business lending  115,129  134,046  16,773  119,683  998
Commercial real estate - investor  69,893  77,982  7,118  70,773  1,170
Real estate construction  8,212  13,202  1,530  9,226  77
Commercial real estate lending  78,105  91,184  8,648  79,999  1,247
Total commercial  193,234  225,230  25,421  199,682  2,245
Home equity  31,317  35,211  11,673  31,983  718
Installment and credit cards  1,956  2,180  282  2,033  30
Residential mortgage  67,100  71,598  11,109  67,795  947
Total consumer  100,373  108,989  23,064  101,811  1,695
Total loans(b)$ 293,607$ 334,219$ 48,485$ 301,493$ 3,940
           
(a) Interest income recognized included $3 million of interest income recognized on accruing restructured loans for the six months ended June 30, 2014.
(b) The fair value mark on impaired loans at June 30, 2014, was 73%. The fair value mark is calculated as the recorded investment, net of the related allowance, divided by the unpaid principal balance.

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 (a)
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 (b)$ 309,413$ 361,694$ 51,875$ 328,022$ 10,137
           
(a) Interest income recognized included $6 million of interest income recognized on accruing restructured loans for the year ended December 31, 2013.
(b) The fair value mark on impaired loans at December 31, 2013, was 71%. The fair value mark is calculated as the recorded investment, net of the related allowance, divided by the unpaid principal balance.
Nonaccrual and Performing Restructured Loans
  June 30, 2014  December 31, 2013 
  Performing Restructured Loans  Nonaccrual Restructured Loans *  Performing Restructured Loans  Nonaccrual Restructured Loans * 
  ($ in Thousands)
Commercial and industrial$ 28,849 $ 8,150 $ 32,517 $ 6,900 
Commercial real estate - owner occupied  12,168   15,126   13,009   10,999 
Commercial real estate - investor  41,758   15,627   44,946   18,069 
Real estate construction   1,224   3,028   3,793   2,065 
Home equity  10,444   6,736   9,633   5,419 
Installment and credit cards  1,185   249   246   451 
Residential mortgage  18,753   23,472   19,841   15,682 
Total $ 114,381 $ 72,388 $ 123,985 $ 59,585 
             
* 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 six months ended June 30, 2014, and the recorded investment and unpaid principal balance as of June 30, 2014.
             
  Three Months Ended June 30, 2014 Six Months Ended June 30, 2014
  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  3$ 526$ 534  11$ 3,889$ 7,736
Commercial real estate - owner occupied  1  894  894  5  6,096  6,652
Commercial real estate - investor  ―  ―  ―  1  493  508
Real estate construction   1  6  6  1  6  6
Home equity  35  1,630  1,723  62  2,476  2,693
Installment and credit cards  1  16  16  2  25  35
Residential mortgage  28  1,942  2,435  48  4,430  5,103
Total  69$ 5,014$ 5,608  130$ 17,415$ 22,733
             
(1) Represents post-modification outstanding recorded investment.      
(2) Represents pre-modification outstanding recorded investment.      

The following table provides the number of loans modified in a troubled debt restructuring by loan portfolio during the three and six months ended June 30, 2013, and the recorded investment and unpaid principal balance as of June 30, 2013.
             
  Three Months Ended June 30, 2013 Six Months Ended June 30, 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  25$ 4,323$ 4,414  43$ 6,401$ 8,074
Commercial real estate - owner occupied  7  4,086  4,194  10  6,270  6,388
Commercial real estate - investor  3  1,801  1,948  8  3,822  4,029
Real estate construction   2  51  80  7  2,004  2,057
Home equity  29  2,114  2,640  62  3,580  4,192
Installment  1  34  34  2  199  202
Residential mortgage  26  3,482  3,879  56  5,365  6,072
Total  93$ 15,891$ 17,189  188$ 27,641$ 31,014
             
(1) Represents post-modification outstanding recorded investment.      
(2) Represents pre-modification outstanding recorded investment.      
Troubled debt restructurings subsequent redefault
  Three Months Ended June 30, 2014 Six Months Ended June 30, 2014
  Number of LoansRecorded InvestmentNumber of Loans Recorded Investment
  ($ in Thousands)
Commercial and industrial 2$ 135 2$ 135
Commercial real estate - owner occupied 2  612 2  612
Commercial real estate - investor 1  1,291 1  1,291
Real estate construction   ―  ― 1  161
Home equity 13  414 18  651
Installment and credit cards 1  16 2  25
Residential mortgage 20  1,565 32  3,334
Total 39$ 4,033 58$ 6,209

  Three Months Ended June 30, 2013 Six Months Ended June 30, 2013
  Number of LoansRecorded InvestmentNumber of Loans Recorded Investment
  ($ in Thousands)
Commercial and industrial 15$ 711 22$ 1,798
Commercial real estate - owner occupied 2  43 3  115
Commercial real estate - investor 2  82 5  1,598
Real estate construction  2  41 2  41
Home equity 10  633 13  740
Residential mortgage 7  952 10  1,405
Total 38$ 2,462 55$ 5,697
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 June 30, 2014.
           
  Pass Special Mention Potential Problem Impaired Total
  ($ in Thousands)
Commercial and industrial$ 5,230,000$ 129,259$ 187,251$ 69,695$ 5,616,205
Commercial real estate - owner occupied  928,380  40,433  57,757  43,893  1,070,463
Lease financing  46,724  1,328  2,280  1,541  51,873
Commercial and business lending  6,205,104  171,020  247,288  115,129  6,738,541
Commercial real estate - investor  2,843,155  45,781  31,903  69,893  2,990,732
Real estate construction  984,294  3,442  4,473  8,212  1,000,421
Commercial real estate lending  3,827,449  49,223  36,376  78,105  3,991,153
Total commercial$ 10,032,553$ 220,243$ 283,664$ 193,234$ 10,729,694
           
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 June 30, 2014.
           
  Performing 30-89 Days Past Due Potential Problem Impaired Total
  ($ in Thousands)
Home equity$ 1,670,147$ 10,809$ 1,099$ 31,317$ 1,713,372
Installment and credit cards  464,669  1,734  844  1,956  469,203
Residential mortgage  4,056,168  7,070  2,445  67,100  4,132,783
Total consumer$ 6,190,984$ 19,613$ 4,388$ 100,373$ 6,315,358
           
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