XML 54 R38.htm IDEA: XBRL DOCUMENT v3.6.0.2
Allowance for Loan and Lease Losses Allowance for Loan and Lease Losses (Tables)
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Allocation of Allowance for Loan and Lease Losses [Table Text Block]
Activity in the allowance for loan and lease losses is as follows:
 
Non-PCI
 
PCI
 
Total
(Dollars in thousands)
 
 
 
 
 
Balance at December 31, 2013
$
179,874

 
$
53,520

 
$
233,394

Provision (credit) for loan and lease losses
15,260

 
(14,620
)
 
640

Loans and leases charged-off
(20,499
)
 
(17,271
)
 
(37,770
)
Loans and leases recovered
8,202

 
—

 
8,202

Net charge-offs
(12,297
)
 
(17,271
)
 
(29,568
)
Balance at December 31, 2014
182,837

 
21,629

 
204,466

Provision (credit) for loan and lease losses
22,937

 
(2,273
)
 
20,664

Loans and leases charged-off
(25,304
)
 
(3,044
)
 
(28,348
)
Loans and leases recovered
9,434

 
—

 
9,434

Net charge-offs
(15,870
)
 
(3,044
)
 
(18,914
)
Balance at December 31, 2015
189,904

 
16,312

 
206,216

Provision (credit) for loan and lease losses
34,870

 
(1,929
)
 
32,941

Loans and leases charged-off
(29,587
)
 
(614
)
 
(30,201
)
Loans and leases recovered
9,839

 
—

 
9,839

Net charge-offs
(19,748
)
 
(614
)
 
(20,362
)
Balance at December 31, 2016
$
205,026

 
$
13,769

 
$
218,795



Activity in the allowance for loan and lease losses, ending balances of loans and leases and related allowance by class of loans is summarized as follows:
 
Years ended December 31, 2016, 2015 and 2014
(Dollars in thousands)
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
 
Total
Non-PCI Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2014
$
10,335

 
$
100,257

 
$
1,009

 
$
22,362

 
$
4,749

 
$
190

 
$
10,511

 
$
16,239

 
$
681

 
$
13,541

 
$
179,874

Provision (credits)
1,735

 
(16,746
)
 
(401
)
 
10,441

 
(473
)
 
3,007

 
1,219

 
6,301

 
245

 
9,932

 
15,260

Charge-offs
(316
)
 
(1,147
)
 
—

 
(3,014
)
 
(100
)
 
(13
)
 
(1,260
)
 
(4,744
)
 
(118
)
 
(9,787
)
 
(20,499
)
Recoveries
207

 
2,825

 
124

 
938

 
110

 
—

 
191

 
854

 
84

 
2,869

 
8,202

Balance at December 31, 2014
11,961

 
85,189

 
732

 
30,727

 
4,286

 
3,184

 
10,661

 
18,650

 
892

 
16,555

 
182,837

Provision (credits)
4,773

 
(15,822
)
 
1,569

 
17,432

 
1,602

 
(1,420
)
 
4,202

 
(927
)
 
541

 
10,987

 
22,937

Charge-offs
(1,012
)
 
(1,498
)
 
(178
)
 
(5,952
)
 
(402
)
 
—

 
(1,619
)
 
(2,925
)
 
(22
)
 
(11,696
)
 
(25,304
)
Recoveries
566

 
2,027

 
45

 
909

 
38

 
91

 
861

 
1,173

 
74

 
3,650

 
9,434

Balance at December 31, 2015
16,288

 
69,896

 
2,168

 
43,116

 
5,524

 
1,855

 
14,105

 
15,971

 
1,485

 
19,496

 
189,904

Provision (credits)
12,871

 
(21,912
)
 
925

 
14,583

 
635

 
877

 
9,448

 
(1,234
)
 
45

 
18,632

 
34,870

Charge-offs
(680
)
 
(987
)
 
—

 
(9,013
)
 
(442
)
 
(144
)
 
(926
)
 
(3,287
)
 
—

 
(14,108
)
 
(29,587
)
Recoveries
398

 
1,281

 
176

 
1,539

 
190

 
539

 
467

 
916

 
66

 
4,267

 
9,839

Balance at December 31, 2016
$
28,877

 
$
48,278

 
$
3,269

 
$
50,225

 
$
5,907

 
$
3,127

 
$
23,094

 
$
12,366

 
$
1,596

 
$
28,287

 
$
205,026




 
December 31, 2016
(Dollars in thousands)
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
 
Total
Non-PCI Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
151

 
$
3,488

 
$
152

 
$
1,732

 
$
75

 
$
23

 
$
2,447

 
$
366

 
$
109

 
$
667

 
$
9,210

ALLL for loans and leases collectively evaluated for impairment
28,726

 
44,790

 
3,117

 
48,493

 
5,832

 
3,104

 
20,647

 
12,000

 
1,487

 
27,620

 
195,816

Total allowance for loan and lease losses
$
28,877

 
$
48,278

 
$
3,269

 
$
50,225

 
$
5,907

 
$
3,127

 
$
23,094

 
$
12,366

 
$
1,596

 
$
28,287

 
$
205,026

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
1,045

 
$
76,361

 
$
1,563

 
$
12,600

 
$
1,074

 
$
142

 
$
31,476

 
$
7,613

 
$
2,613

 
$
1,912

 
$
136,399

Loans and leases collectively evaluated for impairment
648,112

 
8,949,859

 
349,728

 
2,554,901

 
825,196

 
340,122

 
2,857,648

 
2,593,731

 
228,787

 
1,444,226

 
20,792,310

Total loan and leases
$
649,157

 
$
9,026,220

 
$
351,291

 
$
2,567,501

 
$
826,270

 
$
340,264

 
$
2,889,124

 
$
2,601,344

 
$
231,400

 
$
1,446,138

 
$
20,928,709


 
December 31, 2015
(Dollars in thousands)
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
 
Total
Non-PCI Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases individually evaluated for impairment
$
123

 
$
3,370

 
$
289

 
$
1,118

 
$
213

 
$
—

 
$
1,212

 
$
299

 
$
49

 
$
527

 
$
7,200

ALLL for loans and leases collectively evaluated for impairment
16,165

 
66,526

 
1,879

 
41,998

 
5,311

 
1,855

 
12,893

 
15,672

 
1,436

 
18,969

 
182,704

Total allowance for loan and lease losses
$
16,288

 
$
69,896

 
$
2,168

 
$
43,116

 
$
5,524

 
$
1,855

 
$
14,105

 
$
15,971

 
$
1,485

 
$
19,496

 
$
189,904

Loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans and leases individually evaluated for impairment
$
3,094

 
$
95,107

 
$
427

 
$
17,910

 
$
1,755

 
$
1,183

 
$
22,986

 
$
5,883

 
$
784

 
$
1,238

 
$
150,367

Loans and leases collectively evaluated for impairment
617,258

 
8,179,441

 
320,594

 
2,351,048

 
729,023

 
313,649

 
2,672,999

 
2,517,223

 
219,289

 
1,218,583

 
19,139,107

Total loan and leases
$
620,352

 
$
8,274,548

 
$
321,021

 
$
2,368,958

 
$
730,778

 
$
314,832

 
$
2,695,985

 
$
2,523,106

 
$
220,073

 
$
1,219,821

 
$
19,289,474

 
 
Years ended December 31, 2016, 2015 and 2014
(Dollars in thousands)
Construction
and land
development -
commercial
 
Commercial
mortgage
 
Other
commercial
real estate
 
Commercial
and
industrial
 
Residential
mortgage
 
Revolving
mortgage
 
Construction
and land
development -
noncommercial
 
Consumer
and other
 
Total
PCI Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan and lease losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2014
$
1,320

 
$
29,906

 
$
1,354

 
$
5,275

 
$
11,802

 
$
2,959

 
$
682

 
$
222

 
$
53,520

Provision (credits)
1,284

 
(7,903
)
 
(1,385
)
 
(2,023
)
 
(5,576
)
 
1,523

 
(395
)
 
(145
)
 
(14,620
)
Charge-offs
(2,454
)
 
(11,868
)
 
106

 
(2,012
)
 
(406
)
 
(483
)
 
(104
)
 
(50
)
 
(17,271
)
Recoveries
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Balance at December 31, 2014
150

 
10,135

 
75

 
1,240

 
5,820

 
3,999

 
183

 
27

 
21,629

Provision (credits)
1,029

 
(1,426
)
 
698

 
(470
)
 
72

 
(2,720
)
 
(183
)
 
727

 
(2,273
)
Charge-offs
(97
)
 
(871
)
 
—

 
(325
)
 
(494
)
 
(756
)
 
—

 
(501
)
 
(3,044
)
Recoveries
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Balance at December 31, 2015
1,082

 
7,838

 
773

 
445

 
5,398

 
523

 
—

 
253

 
16,312

Provision (credits)
(599
)
 
(1,249
)
 
(266
)
 
59

 
(209
)
 
433

 
—

 
(98
)
 
(1,929
)
Charge-offs
—

 
(166
)
 
(5
)
 
—

 
(371
)
 
—

 
—

 
(72
)
 
(614
)
Recoveries
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Balance at December 31, 2016
$
483

 
$
6,423

 
$
502

 
$
504

 
$
4,818

 
$
956

 
$
—

 
$
83

 
$
13,769

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases acquired with deteriorated credit quality
$
483

 
$
6,423

 
$
502

 
$
504

 
$
4,818

 
$
956

 
$
—

 
$
83

 
$
13,769

Loans and leases acquired with deteriorated credit quality
20,766

 
453,013

 
12,645

 
11,844

 
268,777

 
38,650

 
—

 
3,474

 
809,169

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL for loans and leases acquired with deteriorated credit quality
1,082

 
7,838

 
773

 
445

 
5,398

 
523

 
—

 
253

 
16,312

Loans and leases acquired with deteriorated credit quality
33,880

 
525,468

 
17,076

 
15,182

 
302,158

 
52,471

 
—

 
4,281

 
950,516
Allowance for Loan and Lease Losses
The following tables provide information on non-PCI impaired loans and leases, exclusive of 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.
 
December 31, 2016
(Dollars in thousands)
With a
recorded
allowance
 
With no
recorded
allowance
 
Total
 
Unpaid
principal
balance
 
Related
allowance
recorded
Non-PCI impaired loans and leases
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
$
1,002

 
$
43

 
$
1,045

 
$
1,172

 
$
151

Commercial mortgage
42,875

 
33,486

 
76,361

 
82,658

 
3,488

Other commercial real estate
1,279

 
284

 
1,563

 
1,880

 
152

Commercial and industrial
8,920

 
3,680

 
12,600

 
16,637

 
1,732

Lease financing
1,002

 
72

 
1,074

 
1,074

 
75

Other
142

 
—

 
142

 
233

 
23

Residential mortgage
20,269

 
11,207

 
31,476

 
32,588

 
2,447

Revolving mortgage
1,825

 
5,788

 
7,613

 
8,831

 
366

Construction and land development - noncommercial
645

 
1,968

 
2,613

 
3,030

 
109

Consumer
1,532

 
380

 
1,912

 
2,086

 
667

Total non-PCI impaired loans and leases
$
79,491

 
$
56,908

 
$
136,399

 
$
150,189

 
$
9,210

 
 
 
 
 
 
 
 
 
 
 
December 31, 2015
(Dollars in thousands)
With a
recorded
allowance
 
With no
recorded
allowance
 
Total
 
Unpaid
principal
balance
 
Related
allowance
recorded
Non-PCI impaired loans and leases
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
$
1,623

 
$
1,471

 
$
3,094

 
$
4,428

 
$
123

Commercial mortgage
41,793

 
53,314

 
95,107

 
103,763

 
3,370

Other commercial real estate
305

 
122

 
427

 
863

 
289

Commercial and industrial
8,544

 
9,366

 
17,910

 
21,455

 
1,118

Lease financing
1,651

 
104

 
1,755

 
1,956

 
213

Other
—

 
1,183

 
1,183

 
1,260

 
—

Residential mortgage
10,097

 
12,889

 
22,986

 
25,043

 
1,212

Revolving mortgage
1,105

 
4,778

 
5,883

 
7,120

 
299

Construction and land development - noncommercial
693

 
91

 
784

 
784

 
49

Consumer
1,050

 
188

 
1,238

 
1,294

 
527

Total non-PCI impaired loans and leases
$
66,861

 
$
83,506

 
$
150,367

 
$
167,966

 
$
7,200






The following tables show the average non-PCI impaired loan balance and the interest income recognized by loan class for the years ended December 31, 2016, 2015 and 2014:
 
Year ended December 31, 2016
(Dollars in thousands)
YTD
Average
Balance
 
YTD Interest Income Recognized
Non-PCI impaired loans and leases:
 
 
 
Construction and land development - commercial
$
2,700

 
$
138

Commercial mortgage
82,146

 
2,671

Other commercial real estate
1,112

 
38

Commercial and industrial
11,878

 
417

Lease financing
1,307

 
63

Other
687

 
33

Residential mortgage
26,774

 
805

Revolving mortgage
6,915

 
171

Construction and land development - noncommercial
983

 
50

Consumer
1,480

 
80

Total non-PCI impaired loans and leases
$
135,982

 
$
4,466

 
 
 
 
 
Year ended December 31, 2015
Non-PCI impaired loans and leases:
 
 
 
Construction and land development - commercial
$
3,164

 
$
146

Commercial mortgage
89,934

 
3,129

Other commercial real estate
481

 
12

Commercial and industrial
14,587

 
510

Lease financing
1,718

 
74

Other
1,673

 
37

Residential mortgage
18,524

 
557

Revolving mortgage
4,368

 
97

Construction and land development - noncommercial
829

 
38

Consumer
1,126

 
75

Total non-PCI impaired loans and leases
$
136,404

 
$
4,675

 
 
 
 
 
Year ended December 31, 2014
Non-PCI impaired loans and leases:
 
 
 
Construction and land development - commercial
$
1,689

 
$
83

Commercial mortgage
86,250

 
3,698

Other commercial real estate
2,125

 
80

Commercial and industrial
13,433

 
580

Lease financing
774

 
44

Other
528

 
29

Residential mortgage
15,487

 
593

Revolving mortgage
3,922

 
134

Construction and land development - noncommercial
1,678

 
98

Consumer
1,535

 
88

Total non-PCI impaired loans and leases
$
127,421

 
$
5,427

 
 
 
 
Troubled Debt Restructuring, Summary of Accrual Status [Table Text Block]
Subsequent modification of a PCI loan accounted for in a pool that would otherwise meet the definition of a TDR is not reported, or accounted for, as a TDR since pooled PCI loans are excluded from the scope of TDR accounting.

The following table provides a summary of total TDRs by accrual status.
 
December 31, 2016
 
December 31, 2015
(Dollars in thousands)
Accruing
 
 Nonaccruing
 
 Total
 
 Accruing
 
 Nonaccruing
 
 Total
Commercial loans
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
$
3,292

 
$
308

 
$
3,600

 
$
3,624

 
$
257

 
$
3,881

Commercial mortgage
70,263

 
14,435

 
84,698

 
65,812

 
18,728

 
84,540

Other commercial real estate
1,635

 
80

 
1,715

 
1,751

 
89

 
1,840

Commercial and industrial
9,193

 
1,436

 
10,629

 
8,833

 
3,341

 
12,174

Lease financing
882

 
192

 
1,074

 
1,191

 
169

 
1,360

Other
64

 
78

 
142

 
1,183

 
—

 
1,183

Total commercial loans
85,329

 
16,529

 
101,858

 
82,394

 
22,584

 
104,978

Noncommercial
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
34,012

 
5,117

 
39,129

 
25,427

 
7,129

 
32,556

Revolving mortgage
6,346

 
1,431

 
7,777

 
3,600

 
1,705

 
5,305

Construction and land development - noncommercial
240

 
—

 
240

 
784

 
—

 
784

Consumer and other
1,603

 
309

 
1,912

 
1,091

 
129

 
1,220

Total noncommercial loans
42,201

 
6,857

 
49,058

 
30,902

 
8,963

 
39,865

Total loans
$
127,530

 
$
23,386

 
$
150,916

 
$
113,296

 
$
31,547

 
$
144,843
Troubled Debt Restructurings on Financing Receivables

The following tables provide the types of TDRs made during the year ended December 31, 2016, and 2015, as well as a summary of loans that were modified as a TDR during the year ended December 31, 2016, and 2015 that subsequently defaulted during the year ended December 31, 2016, and 2015. BancShares defines payment default as movement of the TDR to nonaccrual status, which is generally 90 days past due for TDRs, foreclosure or charge-off, whichever occurs first.
 
Year ended December 31, 2016
 
Year ended December 31, 2015
 
All restructurings
 
Restructurings with payment default
 
All restructurings
 
Restructurings with 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
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
Non-PCI loans and leases
 
 
 
 
 
 
 
 
 
 
 
Interest only period provided
 
 
 
 
 
 
 
 
 
 
 
Commercial mortgage
2
$
569

 
1
$
326

 
3
$
185

 
—
$
—

Commercial and industrial
—
—

 
—
—

 
2
776

 
—
—

Residential mortgage
1
122

 
1
122

 
—
—

 
—
—

Construction and land development - noncommercial
—
—

 
—
—

 
1
91

 
—
—

Total interest only
3
691

 
2
448

 
6
1,052

 
—
—

 
 
 
 
 
 
 
 
 
 
 
 
Loan term extension
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
1
40

 
1
40

 
1
18

 
1
18

Commercial mortgage
7
2,428

 
—
—

 
12
3,144

 
2
316

Other commercial real estate
1
747

 
—
—

 
—
—

 
—
—

Commercial and industrial
8
1,070

 
—
—

 
5
1,380

 
—
—

Lease financing
—
—

 
—
—

 
4
146

 
—
—

Residential mortgage
15
2,183

 
—
—

 
1
110

 
—
—

Revolving mortgage
—
—

 
—
—

 
1
8

 
—
—

Construction and land development - noncommercial
2
421

 
—
—

 
—
—

 
—
—

Consumer
3
30

 
—
—

 
3
52

 

—

Total loan term extension
37
6,919

 
1
40

 
27
4,858

 
3
334

 
 
 
 
 
 
 
 
 
 
 
 
Below market interest rate
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
6
231

 
1
—

 
21
992

 
3
122

Commercial mortgage
45
12,030

 
16
1,986

 
37
13,900

 
3
3,969

Commercial and industrial
34
3,056

 
11
1,144

 
15
2,301

 
2
1,619

Other commercial real estate
3
619

 
—
—

 
2
122

 
—
—

Lease financing
4
152

 
4
152

 
—
—

 
—
—

Residential mortgage
185
11,087

 
48
2,583

 
116
5,695

 
14
607

Revolving mortgage
5
106

 
—
—

 
6
136

 
—
—

Construction & land development - noncommercial
15
676

 
4
96

 
2
253

 
—
—

Consumer
10
222

 
2
15

 
18
146

 
2
10

Other
2
120

 
1
78

 
1
1,183

 
—
—

Total below market interest rate
309
28,299

 
87
6,054

 
218
24,728

 
24
6,327

 
 
 
 
 
 
 
 
 
 
 
 
Discharged from bankruptcy
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
1
22

 
1
22

 
4
38

 
1
3

Commercial mortgage
4
347

 
2
73

 
4
1,897

 
2
644

Commercial and industrial
6
83

 
—
—

 
3
146

 
—
—

Lease financing
1
84

 
—
—

 
—
—

 
—
—

Residential mortgage
22
773

 
14
326

 
29
1,454

 
4
242

Revolving mortgage
51
3,043

 
13
345

 
56
2,714

 
9
701

Consumer
69
770

 
23
250

 
25
296

 
7
75

Total discharged from bankruptcy
154
5,122

 
53
1,016

 
121
6,545

 
23
1,665

Total non-PCI restructurings
503
$
41,031

 
143
$
7,558

 
372
$
37,183

 
50
$
8,326


 
Year ended December 31, 2016
 
Year ended December 31, 2015
 
All restructurings
 
Restructurings with payment default
 
All restructurings
 
Restructurings with 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
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
PCI loans
 
 
 
 
 
 
 
 
 
 
 
Loan term extension
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
—
$
—

 
—
$
—

 
1
$
178

 
—
$
—

Total loan term extension
—
—

 
—
—

 
1
178

 
—
—

 
 
 
 
 
 
 
 
 
 
 
 
Below market interest rate
 
 
 
 
 
 
 
 
 
 
 
Construction and land development - commercial
1
52

 
—
—

 
—
—

 
—
—

Commercial mortgage
4
3,255

 
—
—

 
—
—

 
—
—

Residential mortgage
3
172

 
—
—

 
14
1,187

 
2
96

Total below market interest rate
8
3,479

 
—
—

 
14
1,187

 
2
96

 
 
 
 
 
 
 
 
 
 
 
 
Discharged from bankruptcy
 
 
 
 
 
 
 
 
 
 
 
Commercial mortgage
2
2,965

 
1
3

 
—
—

 
—
—

Residential mortgage
—
—

 
—
—

 
2
282

 
—
—

Revolving mortgage
—
—

 
—
—

 
1
105

 
—
—

Total discharged from bankruptcy
2
2,965

 
1
3

 
3
387

 
—
—

Total PCI restructurings
10
$
6,444

 
1
$
3

 
18
$
1,752

 
2
$
96