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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2012
Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]  
Schedule Of Activity Of Allowance For Loan And Lease Losses
Activity in the allowance for loan and lease losses is summarized as follows:
 
 
Noncovered loans
Covered loans
Total
Balance at December 31, 2009
 
$
168,782

$
3,500

$
172,282

Provision for loan and lease losses
 
56,647

86,872

143,519

Adoption of change in accounting for QSPE
 
681

—

681

Loans and leases charged off
 
(55,783
)
(39,533
)
(95,316
)
Loans and leases recovered
 
6,190

409

6,599

Net charge-offs
 
(49,593
)
(39,124
)
(88,717
)
Balance at December 31, 2010
 
176,517

51,248

227,765

Provision for loan and lease losses
 
57,799

174,478

232,277

Loans and leases charged off
 
(59,287
)
(137,553
)
(196,840
)
Loans and leases recovered
 
5,854

1,088

6,942

Net charge-offs
 
(53,433
)
(136,465
)
(189,898
)
Balance at December 31, 2011
 
180,883

89,261

270,144

Provision for loan and lease losses
 
42,046

100,839

142,885

Loans and leases charged off
 
(50,208
)
(50,270
)
(100,478
)
Loans and leases recovered
 
6,325

142

6,467

Net charge-offs
 
(43,883
)
(50,128
)
(94,011
)
Balance at December 31, 2012
 
$
179,046

$
139,972

$
319,018
Schedule Of Activitiy Of Allowance For Loan And Lease Losses By Loan Category
Activity in the allowance for loans and lease losses, ending balances of loans and leases and related allowance by class of loans as of December 31, 2012, and 2011 are summarized as follows:
 
 
Construction
and land
development -
commercial
Commercial
mortgage
Other
commercial
real estate
 
Commercial
and
industrial
Lease
financing
 
Other
 
Residential
mortgage
Revolving
mortgage
 
Construction
and land
development -
non-commercial
Consumer
Non-
specific
 
Total
Noncovered loans and leases
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2012
$
5,467

 
$
67,486

 
$
2,169

 
$
23,723

 
$
3,288

 
$
1,315

 
$
8,879

 
$
27,045

 
$
1,427

 
$
25,962

 
$
14,122

 
$
180,883

Charge-offs
(9,546
)
 
(7,081
)
 
(254
)
 
(5,472
)
 
(361
)
 
(28
)
 
(4,790
)
 
(11,341
)
 
(1,047
)
 
(10,288
)
 
—

 
(50,208
)
Recoveries
445

 
1,626

 
14

 
781

 
96

 
4

 
529

 
698

 
180

 
1,952

 
—

 
6,325

Provision
9,665

 
8,896

 
130

 
4,320

 
498

 
(116
)
 
(782
)
 
8,783

 
1,161

 
7,763

 
1,728

 
42,046

Balance at December 31, 2012
$
6,031

 
$
70,927

 
$
2,059

 
$
23,352

 
$
3,521

 
$
1,175

 
$
3,836

 
$
25,185

 
$
1,721

 
$
25,389

 
$
15,850

 
$
179,046

Balance at December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
2,469

 
$
11,697

 
$
298

 
$
2,133

 
$
202

 
$
53

 
$
959

 
$
1

 
$
287

 
$
256

 
$
—

 
$
18,355

ALLL for loans and leases collectively evaluated for impairment
3,562

 
59,230

 
1,761

 
21,219

 
3,319

 
1,122

 
2,877

 
25,184

 
1,434

 
25,133

 
—

 
144,841

Nonspecific ALLL
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
15,850

 
15,850

Total allowance for loan and lease losses
$
6,031

 
$
70,927

 
$
2,059

 
$
23,352

 
$
3,521

 
$
1,175

 
$
3,836

 
$
25,185

 
$
1,721

 
$
25,389

 
$
15,850

 
$
179,046

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
17,075

 
$
133,804

 
$
3,375

 
$
22,619

 
$
804

 
$
707

 
$
15,836

 
$
4,203

 
$
1,321

 
$
2,509

 
$
—

 
$
202,253

Loans and leases collectively evaluated for impairment
292,115

 
5,208,035

 
157,605

 
1,703,507

 
329,875

 
124,974

 
807,053

 
2,205,930

 
130,671

 
414,097

 
—

 
11,373,862

Total loans and leases
$
309,190

 
$
5,341,839

 
$
160,980

 
$
1,726,126

 
$
330,679

 
$
125,681

 
$
822,889

 
$
2,210,133

 
$
131,992

 
$
416,606

 
$
—

 
$
11,576,115

Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2011
$
10,512

 
$
64,772

 
$
2,200

 
$
24,089

 
$
3,384

 
$
1,473

 
$
7,009

 
$
18,016

 
$
1,751

 
$
29,448

 
$
13,863

 
$
176,517

Charge-offs
(11,189
)
 
(6,975
)
 
(24
)
 
(5,879
)
 
(579
)
 
(89
)
 
(5,566
)
 
(13,940
)
 
(2,617
)
 
(12,429
)
 
—

 
(59,287
)
Recoveries
218

 
945

 
23

 
1,025

 
133

 
2

 
989

 
653

 
189

 
1,677

 
—

 
5,854

Provision
5,926

 
8,744

 
(30
)
 
4,488

 
350

 
(71
)
 
6,447

 
22,316

 
2,104

 
7,266

 
259

 
57,799

Balance at December 31, 2011
$
5,467

 
$
67,486

 
$
2,169

 
$
23,723

 
$
3,288

 
$
1,315

 
$
8,879

 
$
27,045


$
1,427

 
$
25,962

 
$
14,122

 
$
180,883

Balance at December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
1,139

 
$
5,266

 
$
283

 
$
640

 
$
17

 
$
14

 
$
411

 
$
—

 
$
145

 
$
47

 
$
—

 
$
7,962

ALLL for loans and leases collectively evaluated for impairment
4,328

 
62,220

 
1,886

 
23,083

 
3,271

 
1,301

 
8,468

 
27,045

 
1,282

 
25,915

 
—

 
158,799

Nonspecific ALLL
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
14,122

 
14,122

Total allowance for loan and lease losses
$
5,467

 
$
67,486

 
$
2,169

 
$
23,723

 
$
3,288

 
$
1,315

 
$
8,879

 
$
27,045

 
$
1,427

 
$
25,962

 
$
14,122

 
$
180,883

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
26,782

 
$
92,872

 
$
5,686

 
$
15,996

 
$
328

 
$
193

 
$
9,776

 
$
—

 
$
3,676

 
$
992

 
$
—

 
$
156,301

Loans and leases collectively evaluated for impairment
354,381

 
5,012,121

 
139,085

 
1,748,411

 
312,541

 
158,176

 
774,342

 
2,296,306

 
133,595

 
496,378

 
—

 
11,425,336

Total loans and leases
$
381,163

 
$
5,104,993

 
$
144,771

 
$
1,764,407

 
$
312,869

 
$
158,369

 
$
784,118

 
$
2,296,306

 
$
137,271

 
$
497,370

 
$
—

 
$
11,581,637

 
 
Construction
and land
development -
commercial
 
Commercial
mortgage
 
Other
commercial
real estate
 
Commercial
and
industrial
 
Lease
financing
 
Residential
mortgage
 
Revolving
mortgage
 
Construction
and land
development -
non-commercial
 
Consumer
and other
 
Total
Covered loans and leases
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2012
$
16,693

 
$
39,557

 
$
16,862

 
$
5,500

 
$
13

 
$
5,433

 
$
77

 
$
4,652

 
$
474

 
$
89,261

Charge-offs
(8,667
)
 
(23,509
)
 
(1,256
)
 
(8,442
)
 
—

 
(4,139
)
 
(1,119
)
 
(2,885
)
 
(253
)
 
(50,270
)
Recoveries
—

 
—

 
—

 
—

 
—

 
142

 
—

 
—

 
—

 
142

Provision
23,160

 
34,227

 
(4,372
)
 
11,839

 
(13
)
 
18,401

 
10,796

 
6,520

 
281

 
100,839

Balance at December 31, 2012
$
31,186

 
$
50,275

 
$
11,234

 
$
8,897

 
$
—

 
$
19,837

 
$
9,754

 
$
8,287

 
$
502

 
$
139,972

Balance at December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans acquired with deteriorated credit quality
$
31,186

 
$
50,275

 
$
11,234

 
$
8,897

 
$
—

 
$
19,837

 
$
9,754

 
$
8,287

 
$
502

 
$
139,972

Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
237,906

 
1,054,473

 
107,119

 
49,463

 
—

 
297,926

 
38,710

 
20,793

 
2,845

 
1,809,235

Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2011
$
20,654

 
$
13,199

 
$
4,148

 
$
6,828

 
$
—

 
$
113

 
$
676

 
$
5,607

 
$
23

 
$
51,248

Charge-offs
(36,432
)
 
(49,905
)
 
(29,063
)
 
(6,115
)
 
—

 
(5,723
)
 
—

 
(9,912
)
 
(403
)
 
(137,553
)
Recoveries
389

 
83

 
479

 
12

 
—

 
94

 
—

 
30

 
1

 
1,088

Provision
32,082

 
76,180

 
41,298

 
4,775

 
13

 
10,949

 
(599
)
 
8,927

 
853

 
174,478

Balance at December 31, 2011
$
16,693

 
$
39,557

 
$
16,862

 
$
5,500

 
$
13

 
$
5,433

 
$
77

 
$
4,652

 
$
474

 
$
89,261

Balance at December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans acquired with deteriorated credit quality
$
16,693

 
$
39,557

 
$
16,862

 
$
5,500

 
$
13

 
$
5,433

 
$
77

 
$
4,652

 
$
474

 
$
89,261

Loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at December 31, 2011
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans acquired with deteriorated credit quality
338,873

 
1,260,589

 
158,394

 
113,442

 
57

 
327,568

 
51,552

 
105,536

 
6,141

 
2,362,152
Allocation Of Noncovered Impaired Loans And Leases
The following table provides information on noncovered impaired loans and leases, exclusive of those loans and leases evaluated collectively as a homogeneous group, including interest income recognized in the period during which the loans and leases were considered impaired.
 
 
With a
recorded
allowance
 
With no
recorded
allowance
 
Total
 
Unpaid
principal
balance
 
Related
allowance
recorded
December 31, 2012
 
 
 
 
 
 
 
 
 
Noncovered impaired loans and leases
 
 
 
 
 
 
 
 
 
Construction and land development—commercial
$
5,941

 
$
10,116

 
$
16,057

 
$
31,879

 
$
2,340

Commercial mortgage
39,648

 
72,160

 
111,808

 
114,351

 
10,628

Other commercial real estate
1,425

 
1,823

 
3,248

 
3,348

 
279

Commercial and industrial
7,429

 
11,371

 
18,800

 
19,196

 
1,949

Lease financing
665

 
81

 
746

 
746

 
194

Other
—

 
707

 
707

 
707

 
53

Residential mortgage
9,346

 
4,240

 
13,586

 
13,978

 
832

Revolving mortgage
1,238

 
2,965

 
4,203

 
4,203

 
1

Construction and land development—noncommercial
1,162

 
158

 
1,320

 
1,321

 
287

Consumer
1,609

 
900

 
2,509

 
2,509

 
256

Total impaired noncovered loans and leases
$
68,463

 
$
104,521

 
$
172,984

 
$
192,238

 
$
16,819

December 31, 2011
 
 
 
 
 
 
 
 
 
Noncovered impaired loans and leases
 
 
 
 
 
 
 
 
 
Construction and land development—commercial
$
24,994

 
$
—

 
$
24,994

 
$
30,756

 
$
1,027

Commercial mortgage
53,687

 
11,840

 
65,527

 
66,463

 
3,813

Other commercial real estate
1,558

 
1,022

 
2,580

 
322

 
114

Commercial and industrial
7,157

 
7,111

 
14,268

 
12,674

 
549

Lease financing
322

 
—

 
322

 
992

 
16

Other
—

 
—

 
—

 
—

 
—

Residential mortgage
9,776

 
—

 
9,776

 
2,580

 
411

Revolving mortgage
—

 
—

 
—

 
—

 
—

Construction and land development—noncommercial
3,676

 
—

 
3,676

 
14,268

 
145

Consumer
992

 
—

 
992

 
3,676

 
47

Total impaired noncovered loans and leases
$
102,162

 
$
19,973

 
$
122,135

 
$
131,731

 
$
6,122


 
YTD average 
balance
 
Interest income
recognized YTD
Year ended December 31, 2012
 
 
 
Noncovered impaired loans and leases
 
 
 
Construction and land development - commercial
$
22,493

 
$
399

Commercial mortgage
96,082

 
4,630

Other commercial real estate
2,690

 
142

Commercial and industrial
13,658

 
788

Lease financing
497

 
37

Other
424

 
23

Residential mortgage
14,951

 
586

Revolving mortgage
2,931

 
68

Construction and land development - noncommercial
2,850

 
41

Consumer
1,850

 
21

Total noncovered impaired loans and leases
$
158,426

 
$
6,735

Year ended December 31, 2011
 
 
 
Noncovered impaired loans and leases
 
 
 
Construction and land development - commercial
$
26,612

 
$
56

Commercial mortgage
65,729

 
1,330

Other commercial real estate
1,368

 
55

Commercial and industrial
12,984

 
456

Lease financing
587

 
21

Other
38

 
—

Residential mortgage
9,252

 
300

Construction and land development - noncommercial
2,022

 
105

       Consumer
636

 
18

Total noncovered impaired loans and leases
$
119,228

 
$
2,341

Year ended December 31, 2010
 
 
 
Construction and land development - commercial
$
19,235

 
$
93

Commercial mortgage
25,451

 
1,193

Other commercial real estate
353

 
18

Commercial and industrial
3,420

 
337

Lease financing
281

 
9

Other
31

 
3

Residential mortgage
2,314

 
129

Construction and land development - noncommercial
182

 
41

       Consumer
39

 
1

Total noncovered impaired loans and leases
$
51,306

 
$
1,824

 
 
 
 
Troubled Debt Restructurings on Financing Receivables
The following table provides the types of troubled debt restructurings made for the years ended December 31, 2012 and December 31, 2011, as well as loans restructured during 2012 and 2011 that have experienced payment default subsequent to restructuring.
.
 
Year ended December 31, 2012
 
Year ended December 31, 2011
 
All restructurings
 
Restructurings with subsequent payment default
 
All restructurings
 
Restructurings with subsequent payment default
 
Number of loans
Recorded investment
 
Number of loans
Recorded investment
 
Number of loans
Recorded investment
 
Number of loans
Recorded investment
Noncovered loans
 
 
 
 
 
 
 
 
 
 
 
Interest only period provided
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
2
$
316

 
—
$
—

 
3
$
1,232

 
3
$
1,232

Commercial mortgage
12
3,891

 
3
1,440

 
32
16,473

 
7
3,684

Commercial and industrial
2
574

 
—
—

 
7
2,601

 
—
—

Lease financing
—
—

 
—
—

 
1
71

 
—
—

Residential mortgage
2
893

 
2
893

 
3
592

 
—
—

Construction and land development - noncommercial
—
—

 
—
—

 
2
807

 
—
—

Consumer
—
—

 
—
—

 
1
900

 
—
—

Total interest only
18
5,674

 
5
2,333

 
49
22,676

 
10
4,916

 
 
 
 
 
 
 
 
 
 
 
 
Loan term extension
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
2
7,667

 
—
—

 
5
$
9,262

 
—
$
—

Commercial mortgage
50
16,818

 
13
3,456

 
50
22,471

 
7
2,771

Other commercial real estate
3
1,318

 
—
—

 
5
2,208

 
1
147

Commercial and industrial
11
1,363

 
4
169

 
24
9,818

 
4
770

Lease financing
3
166

 
—
—

 
6
252

 
—
—

Residential mortgage
9
521

 
2
155

 
8
1,923

 
2
625

Construction and land development - noncommercial
1
158

 
—
—

 
1
395

 
—
—

Consumer
7
1,132

 
—
—

 
1
92

 
1
92

Total loan term extension
86
29,143

 
19
3,780

 
100
46,421

 
15
4,405

 
 
 
 
 
 
 
 
 
 
 
 
Below market interest rate
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
1
227

 
—
—

 
7
$
13,800

 
—
$
—

Commercial mortgage
12
7,333

 
1
490

 
21
13,082

 
4
678

Other commercial real estate
—
—

 
—
—

 
1
372

 
1
372

Commercial and industrial
11
1,584

 
1
—

 
4
503

 
1
28

Residential mortgage
13
1,887

 
5
828

 
12
2,572

 
1
52

Construction and land development - noncommercial
—
—

 
—
—

 
2
2,357

 
1
356

Revolving mortgage
1
48

 
1
48

 
—
—

 
—
—

Consumer
4
17

 
1
—

 
—
—

 
—
—

Total below market interest rate
42
11,096

 
9
1,366

 
47
32,686

 
8
1,486

 
 
 
 
 
 
 
 
 
 
 
 
Other concession
 
 
 
 
 
 
 
 
 
 
 
Commercial mortgage
3
1,036

 
0
—

 
1
593

 
—
0

Commercial and industrial
—
—

 
0
—

 
2
37

 
2
37

Residential mortgage
1
384

 
0
—

 
0
—

 
—
—

Total other concession
4
1,420

 
0
—

 
3
630

 
2
37

Total noncovered restructurings
150
$
47,333

 
33
$
7,479

 
199
$
102,413

 
35
$
10,844

    
 
Year ended December 31, 2012
 
Year ended December 31, 2011
 
All restructurings
 
Restructurings with subsequent payment default
 
All restructurings
 
Restructurings with subsequent payment default
 
Number of loans
Recorded investment at period end
 
Number of loans
Recorded investment at period end
 
Number of loans
Recorded investment at period end
 
Number of loans
Recorded investment at period end
Covered loans
 
 
 
 
 
 
 
 
 
 
 
Interest only period provided
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
2
$
496

 
1
$
356

 
6
$
10,481

 
1
$
3,602

Commercial mortgage
4
10,404

 
1
234

 
4
8,331

 
1
2

Other commercial real estate
1
2,994

 
—
—

 
—
—

 
—
—

Commercial and industrial
1
170

 
—
—

 
—
—

 
—
—

Residential mortgage
1
98

 
—
—

 
2
5,361

 
1
4,287

Total interest only
9
14,162

 
2
590

 
12
24,173

 
3
7,891

 
 
 
 
 
 
 
 
 
 
 
 
Loan term extension
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
9
7,294

 
1
3,703

 
7
3,145

 
3
1,386

Commercial mortgage
4
2,584

 
—
—

 
7
7,368

 
—
—

Other commercial real estate
—
—

 
—
—

 
5
9,733

 
—
—

Commercial and industrial
2
158

 
—
—

 
3
291

 
—
—

Residential mortgage
4
5,111

 
2
4,629

 
6
2,188

 
3
744

Construction and land development - noncommercial
—
—

 
—
—

 
1
2,097

 
1
2,097

Total loan term extension
19
15,147

 
3
8,332

 
29
24,822

 
7
4,227

 
 
 
 
 
 
 
 
 
 
 
 
Below market interest rate
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
13
19,953

 
5
8,781

 
21
22,554

 
5
15,615

Commercial mortgage
18
19,100

 
6
3,906

 
21
50,962

 
2
1,357

Other commercial real estate
2
1,954

 
—
—

 
1
684

 
—
—

Commercial and industrial
5
1,299

 
2
—

 
7
2,217

 
1
809

Residential mortgage
21
4,622

 
10
490

 
19
4,392

 
6
1,409

Construction and land development - noncommercial
1
—

 
1
—

 
1
1,678

 
—
—

Total below market interest rate
60
46,928

 
24
13,177

 
70
82,487

 
14
19,190

 
 
 
 
 
 
 
 
 
 
 
 
Other concession
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
1
54

 
1
54

 
1
702

 
—
—

Total other concession
1
54

 
1
54

 
1
702

 
—
—

Total covered restructurings
89
$
76,291

 
30
$
22,153

 
112
$
132,184

 
24
$
31,308