Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2011

Allowance For Loan Losses [Abstract]

Allowance Calculation At The Segment Level And Adjusted Beginning Balance For The Allowance For Credit Losses

	Three months ended September 30, 2011
	Commercial, financial and agricultural		Commercial real estate		Construction real estate		Residential real estate		Consumer		Leases			Total
(In thousands)
Allowance for credit losses:
Beginning balance	$	12,607	$	22,470	$	35,280	$	32,105	$	7,721	$	4		$	110,187
Charge-offs		4,361		6,505		12,587		5,886		1,682		-			31,021
Recoveries		154		845		621		341		595		1			2,557
Net Charge-offs		4,207		5,660		11,966		5,545		1,087		(1	)		28,464
Provision		2,733		1,749		9,900		3,725		419		(1	)		18,525
Ending balance	$	11,133	$	18,559	$	33,214	$	30,285	$	7,053	$	4		$	100,248

	Nine months ended September 30, 2011
	Commercial, financial and agricultural			Commercial real estate			Construction real estate		Residential real estate		Consumer			Leases			Total
(In thousands)
Allowance for credit losses:
Beginning balance	$	13,584		$	28,515		$	46,194	$	25,845	$	7,228		$	31		$	121,397
Reallocation of allowance		(1,888	)		(6,604	)		5,759		2,948		(189	)		(26	)		-
Adjusted beginning balance:		11,696			21,911			51,953		28,793		7,039			5			121,397
Charge-offs		10,125			14,855			39,686		13,162		5,597			-			83,425
Recoveries		1,050			1,669			834		1,232		1,562			4			6,351
Net Charge-offs		9,075			13,186			38,852		11,930		4,035			(4	)		77,074
Provision		8,512			9,834			20,113		13,422		4,049			(5	)		55,925
Ending balance	$	11,133		$	18,559		$	33,214	$	30,285	$	7,053		$	4		$	100,248

Activity In The Allowance For Loan Losses

(In thousands)	Three months ended September 30, 2010		Nine months ended September 30, 2010
Allowance for credit losses:
Beginning balance	$	120,676	$	116,717
Charge-offs		19,205		48,056
Recoveries		1,280		4,290
Net Charge-offs		17,925		43,766
Provision		14,654		44,454
Ending balance	$	117,405	$	117,405

Composition Of The Allowance For Loan Losses

	September 30, 2011
	Commercial, financial and agricultural			Commercial real estate			Construction real estate			Residential real estate			Consumer			Leases			Total
(In thousands)
Allowance for loan losses:
Ending allowance balance attributed to loans:
Individually evaluated for impairment	$	2,511		$	5,183		$	20,900		$	4,681		$	-		$	-		$	33,275
Collectively evaluated for impairment		8,622			13,376			12,314			25,604			7,053			4			66,973
Total ending allowance balance	$	11,133		$	18,559		$	33,214		$	30,285		$	7,053		$	4		$	100,248
Loan Balance:
Loans individually evaluated for impairment	$	24,899		$	44,051		$	75,970		$	47,422		$	21		$	-		$	192,363
Loans collectively evaluated for impairment		731,989			1,206,885			224,771			1,682,157			640,246			2,164			4,488,212
Total ending loan balance	$	756,888		$	1,250,936		$	300,741		$	1,729,579		$	640,267		$	2,164		$	4,680,575
Allowance for loan losses as a percentage of loan balance:
Loans individually evaluated for impairment		10.08	%		11.77	%		27.51	%		9.87	%		-			-			17.30	%
Loans collectively evaluated for impairment		1.18	%		1.11	%		5.48	%		1.52	%		1.10	%		0.18	%		1.49	%
Total ending loan balance		1.47	%		1.48	%		11.04	%		1.75	%		1.10	%		0.18	%		2.14	%
Recorded Investment:
Loans individually evaluated for impairment	$	24,925		$	44,099		$	75,997		$	47,422		$	21		$	-		$	192,464
Loans collectively evaluated for impairment		734,955			1,211,901			225,444			1,685,951			642,925			2,204			4,503,380
Total ending loan balance	$	759,880		$	1,256,000		$	301,441		$	1,733,373		$	642,946		$	2,204		$	4,695,844

	December 31, 2010
	Commercial, financial and agricultural			Commercial real estate			Construction real estate			Residential real estate			Consumer			Leases			Total
(In thousands)
Allowance for loan losses:
Ending allowance balance attributed to loans:
Individually evaluated for impairment	$	3,028		$	10,001		$	26,387		$	4,043		$	-		$	-		$	43,459
Collectively evaluated for impairment		10,556			18,514			19,807			21,802			7,228			31			77,938
Total ending allowance balance	$	13,584		$	28,515		$	46,194		$	25,845		$	7,228		$	31		$	121,397
Reallocated allowance for loan losses:
Ending allowance balance attributed to loans:
Individually evaluated for impairment	$	3,028		$	10,001		$	26,387		$	4,043		$	-		$	-		$	43,459
Collectively evaluated for impairment		8,668			11,910			25,566			24,750			7,039			5			77,938
Total ending allowance balance	$	11,696		$	21,911		$	51,953		$	28,793		$	7,039		$	5		$	121,397
Loan Balance:
Loans individually evaluated for impairment	$	19,205		$	57,930		$	113,571		$	60,227		$	-		$	-		$	250,933
Loans collectively evaluated for impairment		718,697			1,168,686			292,909			1,631,982			666,871			2,607			4,481,752
Total ending loan balance	$	737,902		$	1,226,616		$	406,480		$	1,692,209		$	666,871		$	2,607		$	4,732,685
Reallocated allowance for loan losses as a percentage of loan balance:
Loans individually evaluated for impairment		15.77	%		17.26	%		23.23	%		6.71	%		-			-			17.32	%
Loans collectively evaluated for impairment		1.21	%		1.02	%		8.73	%		1.52	%		1.06	%		0.19	%		1.74	%
Total ending loan balance		1.59	%		1.79	%		12.78	%		1.70	%		1.06	%		0.19	%		2.57	%
Recorded Investment:
Loans individually evaluated for impairment	$	19,205		$	57,930		$	113,571		$	60,227		$	-		$	-		$	250,933
Loans collectively evaluated for impairment		721,583			1,173,490			293,962			1,637,443			670,116			2,663			4,499,257
Total ending loan balance	$	740,788		$	1,231,420		$	407,533		$	1,697,670		$	670,116		$	2,663		$	4,750,190