Loans and Allowances for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2012

Loans Receivable, Net [Abstract]

Schedule of the components of loan portfolio

Portfolio segments of the loan portfolio are as follows (in thousands):

	June 30, 2012								December 31, 2011
	Fixed Rate		Variable Rate		Non-accrual		Total		Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	3,536,199	$	3,481,816	$	34,529	$	7,052,544	$	3,261,344	$	3,224,915	$	68,811	$	6,555,070
Commercial real estate	864,077		1,181,923		80,214		2,126,214		896,820		1,295,290		99,193		2,291,303
Residential mortgage	1,708,252		274,118		22,727		2,005,097		1,646,554		298,206		29,767		1,974,527
Consumer	200,897		184,667		7,012		392,576		245,711		199,617		3,515		448,843
Total	$	6,309,425	$	5,122,524	$	144,482	$	11,576,431	$	6,050,429	$	5,018,028	$	201,286	$	11,269,743
Accruing loans past due (90 days)1							$	691							$	2,496

	June 30, 2011
	Fixed Rate		Variable Rate		Non-accrual		Total
Commercial	$	2,847,559	$	3,269,321	$	53,365	$	6,170,245
Commercial real estate	868,513		1,209,155		110,363		2,188,031
Residential mortgage	1,517,676		322,585		31,693		1,871,954
Consumer	296,595		205,970		4,749		507,314
Total	$	5,530,343	$	5,007,031	$	200,170	$	10,737,544
Accruing loans past due (90 days)1							$	2,341

¹  Excludes residential mortgage loans guaranteed by agencies of the U.S. government

Schedule of Allowance For Loan Losses And Recorded Investment by Impairment Methodology

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2012 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,018,115	$	83,199	$	34,429	$	278	$	7,052,544	$	83,477
Commercial real estate	2,046,006		54,526		80,208		1,280		2,126,214		55,806
Residential mortgage	1,997,887		42,453		7,210		235		2,005,097		42,688
Consumer	388,106		8,798		4,470		42		392,576		8,840
Total	11,450,114		188,976		126,317		1,835		11,576,431		190,811
Nonspecific allowance	—		—		—		—		—		40,858
Total	$	11,450,114	$	188,976	$	126,317	$	1,835	$	11,576,431	$	231,669

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 2011 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,486,311	$	81,907	$	68,759	$	1,536	$	6,555,070	$	83,443
Commercial real estate	2,192,110		63,092		99,193		3,942		2,291,303		67,034
Residential mortgage	1,967,086		46,178		7,441		298		1,974,527		46,476
Consumer	447,747		10,178		1,096		—		448,843		10,178
Total	11,093,254		201,355		176,489		5,776		11,269,743		207,131
Nonspecific allowance	—		—		—		—		—		46,350
Total	$	11,093,254	$	201,355	$	176,489	$	5,776	$	11,269,743	$	253,481

The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2011 is as follows (in thousands):

	Collectively Measured for Impairment				Individually Measured for Impairment				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,117,083	$	111,131	$	53,162	$	2,440	$	6,170,245	$	113,571
Commercial real estate	2,077,668		88,611		110,363		3,139		2,188,031		91,750
Residential mortgage	1,861,069		44,254		10,885		989		1,871,954		45,243
Consumer	505,393		8,807		1,921		115		507,314		8,922
Total	10,561,213		252,803		176,331		6,683		10,737,544		259,486
Nonspecific allowance	—		—		—		—		—		27,125
Total	$	10,561,213	$	252,803	$	176,331	$	6,683	$	10,737,544	$	286,611

Schedule Of Allowance For Loan Losses and Recorded Investment By Portfolio Segment For Risk Graded and Non-risk Graded Loans

The following table summarizes the Company’s loan portfolio at June 30, 2012 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,264,290	$	10,959	$	3,087	$	—	$	—	$	2,278,336
Services	1,881,143		40,254		10,123		—		—		1,931,520
Wholesale/retail	944,412		11,597		4,175		—		—		960,184
Manufacturing	340,815		9,832		12,230		—		—		362,877
Healthcare	1,004,773		1,045		3,310		—		—		1,009,128
Integrated food services	216,282		696		—		—		—		216,978
Other commercial and industrial	274,082		325		1,504		17,510		100		293,521
Total commercial	6,925,797		74,708		34,429		17,510		100		7,052,544
Commercial real estate:
Construction and land development	214,263		26,746		46,050		—		—		287,059
Retail	476,179		8,290		7,908		—		—		492,377
Office	361,451		12,352		10,589		—		—		384,392
Multifamily	352,269		6,677		3,219		—		—		362,165
Industrial	230,760		273		—		—		—		231,033
Other commercial real estate	342,815		13,925		12,442		—		6		369,188
Total commercial real estate	1,977,737		68,263		80,208		—		6		2,126,214
Residential mortgage:
Permanent mortgage	262,423		13,398		7,210		847,414		10,926		1,141,371
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		168,059		—		168,059
Home equity	—		—		—		691,076		4,591		695,667
Total residential mortgage	262,423		13,398		7,210		1,706,549		15,517		2,005,097
Consumer:
Indirect automobile	—		—		—		60,667		2,257		62,924
Other consumer	193,521		3,053		4,470		128,323		285		329,652
Total consumer	193,521		3,053		4,470		188,990		2,542		392,576
Total	$	9,359,478	$	159,422	$	126,317	$	1,913,049	$	18,165	$	11,576,431

The following table summarizes the Company’s loan portfolio at December 31, 2011 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	2,003,288	$	1,417	$	336	$	—	$	—	$	2,005,041
Services	1,713,232		31,338		16,968		—		—		1,761,538
Wholesale/retail	912,090		34,156		21,180		—		—		967,426
Manufacturing	311,292		2,390		23,051		—		—		336,733
Healthcare	969,260		3,414		5,486		—		—		978,160
Integrated food services	203,555		756		—		—		—		204,311
Other commercial and industrial	281,645		10		1,738		18,416		52		301,861
Total commercial	6,394,362		73,481		68,759		18,416		52		6,555,070
Commercial real estate:
Construction and land development	252,936		27,244		61,874		—		—		342,054
Retail	499,295		3,244		6,863		—		—		509,402
Office	381,918		12,548		11,457		—		—		405,923
Multifamily	357,436		8,079		3,513		—		—		369,028
Industrial	277,906		280		—		—		—		278,186
Other commercial real estate	355,381		15,843		15,486		—		—		386,710
Total commercial real estate	2,124,872		67,238		99,193		—		—		2,291,303
Residential mortgage:
Permanent mortgage	294,478		15,879		7,441		817,921		17,925		1,153,644
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		188,462		—		188,462
Home equity	—		—		—		628,020		4,401		632,421
Total residential mortgage	294,478		15,879		7,441		1,634,403		22,326		1,974,527
Consumer:
Indirect automobile	—		—		—		102,955		2,194		105,149
Other consumer	212,150		3,949		1,096		126,274		225		343,694
Total consumer	212,150		3,949		1,096		229,229		2,419		448,843
Total	$	9,025,862	$	160,547	$	176,489	$	1,882,048	$	24,797	$	11,269,743

The following table summarizes the Company’s loan portfolio at June 30, 2011 by the risk grade categories (in thousands): 

	Internally Risk Graded						Non-Graded
	Performing		Potential Problem		Nonaccrual		Performing		Nonaccrual		Total
Commercial:
Energy	$	1,705,073	$	4,688	$	345	$	—	$	—	$	1,710,106
Services	1,675,545		33,490		16,254		—		—		1,725,289
Wholesale/retail	988,076		40,935		25,138		—		—		1,054,149
Manufacturing	360,221		2,827		4,366		—		—		367,414
Healthcare	846,790		2,992		5,962		—		—		855,744
Integrated food services	186,573		1,260		—		—		—		187,833
Other commercial and industrial	246,342		3,410		1,097		18,658		203		269,710
Total commercial	6,008,620		89,602		53,162		18,658		203		6,170,245
Commercial real estate:
Construction and land development	280,210		15,750		76,265		—		—		372,225
Retail	438,129		7,013		4,642		—		—		449,784
Office	459,507		14,751		11,473		—		—		485,731
Multifamily	323,964		5,860		4,717		—		—		334,541
Industrial	159,518		288		—		—		—		159,806
Other commercial real estate	351,640		21,038		13,266		—		—		385,944
Total commercial real estate	2,012,968		64,700		110,363		—		—		2,188,031
Residential mortgage:
Permanent mortgage	330,464		13,752		10,885		783,084		17,106		1,155,291
Permanent mortgages guaranteed by U.S. government agencies	—		—		—		134,458		—		134,458
Home equity	—		—		—		578,503		3,702		582,205
Total residential mortgage	330,464		13,752		10,885		1,496,045		20,808		1,871,954
Consumer:
Indirect automobile	—		—		—		159,771		2,729		162,500
Other consumer	215,056		3,245		1,921		124,493		99		344,814
Total consumer	215,056		3,245		1,921		284,264		2,828		507,314
Total	$	8,567,108	$	171,299	$	176,331	$	1,798,967	$	23,839	$	10,737,544

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2012 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	7,034,934	$	82,357	$	17,610	$	1,120	$	7,052,544	$	83,477
Commercial real estate	2,126,208		55,806		6		—		2,126,214		55,806
Residential mortgage	283,031		6,987		1,722,066		35,701		2,005,097		42,688
Consumer	201,044		1,895		191,532		6,945		392,576		8,840
Total	9,645,217		147,045		1,931,214		43,766		11,576,431		190,811
Nonspecific allowance	—		—		—		—		—		40,858
Total	$	9,645,217	$	147,045	$	1,931,214	$	43,766	$	11,576,431	$	231,669

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at December 31, 2011 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,536,602	$	82,263	$	18,468	$	1,180	$	6,555,070	$	83,443
Commercial real estate	2,291,303		67,034		—		—		2,291,303		67,034
Residential mortgage	317,798		8,262		1,656,729		38,214		1,974,527		46,476
Consumer	217,195		2,527		231,648		7,651		448,843		10,178
Total	9,362,898		160,086		1,906,845		47,045		11,269,743		207,131
Nonspecific allowance	—		—		—		—		—		46,350
Total	$	9,362,898	$	160,086	$	1,906,845	$	47,045	$	11,269,743	$	253,481

The allowance for loan losses and recorded investment of the related loans by portfolio segment for risk graded and non-risk graded loans at June 30, 2011 is as follows (in thousands):

	Internally Risk Graded				Non-Graded				Total
	Recorded Investment		Related Allowance		Recorded Investment		Related Allowance		Recorded Investment		Related Allowance
Commercial	$	6,151,384	$	111,392	$	18,861	$	2,179	$	6,170,245	$	113,571
Commercial real estate	2,188,031		91,750		—		—		2,188,031		91,750
Residential mortgage	355,102		7,911		1,516,852		37,332		1,871,954		45,243
Consumer	220,300		1,877		287,014		7,045		507,314		8,922
Total	8,914,817		212,930		1,822,727		46,556		10,737,544		259,486
Nonspecific allowance	—		—		—		—		—		27,125
Total	$	8,914,817	$	212,930	$	1,822,727	$	46,556	$	10,737,544	$	286,611

Summary of Risk-Graded Impaired Loans

A summary of risk-graded impaired loans follows (in thousands):
	As of										For the				For the
	June 30, 2012										Three Months Ended				Six Months Ended
			Recorded Investment								June 30, 2012				June 30, 2012
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	3,297	$	3,087	$	3,087	$	—	$	—	$	1,712	$	—	$	1,712	$	—
Services	18,858		10,123		9,996		127		127		11,507		—		13,546		—
Wholesale/retail	5,763		4,175		4,096		79		20		9,782		—		12,678		—
Manufacturing	15,864		12,230		12,230		—		—		17,816		—		17,641		—
Healthcare	4,400		3,310		2,069		1,241		131		5,628		—		4,398		—
Integrated food services	—		—		—		—		—		—		—		—		—
Other commercial and industrial	9,003		1,504		1,504		—		—		1,609		—		1,621		—
Total commercial	57,185		34,429		32,982		1,447		278		48,054		—		51,596		—
Commercial real estate:
Construction and land development	78,447		46,050		45,477		573		155		49,233		—		53,962		—
Retail	9,395		7,908		5,541		2,367		905		7,051		—		7,386		—
Office	13,744		10,589		10,364		225		21		10,661		—		11,023		—
Multifamily	3,333		3,219		3,219		—		—		3,317		—		3,366		—
Industrial	—		—		—		—		—		—		—		—		—
Other real estate loans	14,744		12,442		11,518		924		199		13,081		—		13,964		—
Total commercial real estate	119,663		80,208		76,119		4,089		1,280		83,343		—		89,701		—
Residential mortgage:
Permanent mortgage	8,421		7,210		6,593		617		235		7,361		—		7,326		—
Home equity	—		—		—		—		—		—		—		—		—
Total residential mortgage	8,421		7,210		6,593		617		235		7,361		—		7,326		—
Consumer:
Indirect automobile	—		—		—		—		—		—		—		—		—
Other consumer	5,056		4,470		4,428		42		42		4,621		—		2,784		—
Total consumer	5,056		4,470		4,428		42		42		4,621		—		2,784		—
Total	$	190,325	$	126,317	$	120,122	$	6,195	$	1,835	$	143,379	$	—	$	151,407	$	—

Generally, no interest income is recognized on impaired loans until all principal balances, including amounts charged-off, have been recovered.

A summary of risk-graded impaired loans at December 31, 2011 follows (in thousands): 

			Recorded Investment
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance
Commercial:
Energy	$	336	$	336	$	336	$	—	$	—
Services	26,916		16,968		16,200		768		360
Wholesale/retail	24,432		21,180		19,702		1,478		1,102
Manufacturing	26,186		23,051		23,051		—		—
Healthcare	6,825		5,486		5,412		74		74
Integrated food services	—		—		—		—		—
Other commercial and industrial	9,237		1,738		1,738		—		—
Total commercial	93,932		68,759		66,439		2,320		1,536
Commercial real estate:
Construction and land development	98,053		61,874		56,740		5,134		1,777
Retail	8,645		6,863		4,373		2,490		1,062
Office	14,588		11,457		9,567		1,890		291
Multifamily	3,512		3,513		3,513		—		—
Industrial	—		—		—		—		—
Other real estate loans	16,702		15,486		7,887		7,599		812
Total commercial real estate	141,500		99,193		82,080		17,113		3,942
Residential mortgage:
Permanent mortgage	8,697		7,441		4,980		2,461		298
Home equity	—		—		—		—		—
Total residential mortgage	8,697		7,441		4,980		2,461		298
Consumer:
Indirect automobile	—		—		—		—		—
Other consumer	1,727		1,096		1,096		—		—
Total consumer	1,727		1,096		1,096		—		—
Total	$	245,856	$	176,489	$	154,595	$	21,894	$	5,776

A summary of risk-graded impaired loans follows (in thousands):
	As of										For the				For the
	June 30, 2011										Three Months Ended				Six Months Ended
			Recorded Investment								June 30, 2011				June 30, 2011
	Unpaid Principal Balance		Total		With No Allowance		With Allowance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial:
Energy	$	345	$	345	$	345	$	—	$	—	$	380	$	—	$	405	$	—
Services	26,441		16,254		15,525		729		273		15,987		—		17,758		—
Wholesale/retail	31,770		25,138		22,751		2,387		1,742		27,775		—		16,812		—
Manufacturing	9,259		4,366		2,012		2,354		259		4,456		—		3,241		—
Healthcare	7,659		5,962		5,103		859		166		4,268		—		4,748		—
Integrated food services	—		—		—		—		—		3		—		7		—
Other commercial and industrial	8,596		1,097		1,097		—		—		2,363		—		2,772		—
Total commercial	84,070		53,162		46,833		6,329		2,440		55,232		—		45,743		—
Commercial real estate:
Construction and land development	115,337		76,265		65,094		11,171		1,966		83,486		—		87,922		—
Retail	5,652		4,642		1,855		2,787		612		4,959		—		4,810		—
Office	14,749		11,473		9,713		1,760		207		13,051		—		15,564		—
Multifamily	5,381		4,717		4,717		—		—		3,309		—		5,721		—
Industrial	—		—		—		—		—		—		—		2,044		—
Other real estate loans	15,203		13,266		11,755		1,511		354		13,130		—		14,305		—
Total commercial real estate	156,322		110,363		93,134		17,229		3,139		117,935		—		130,366		—
Residential mortgage:
Permanent mortgage	12,122		10,885		5,016		5,869		989		11,479		—		11,475		—
Home equity	—		—		—		—		—		—		—		—		—
Total residential mortgage	12,122		10,885		5,016		5,869		989		11,479		—		11,475		—
Consumer:
Indirect automobile	—		—		—		—		—		—		—		—		—
Other consumer	2,449		1,921		1,348		573		115		2,244		—		1,836		—
Total consumer	2,449		1,921		1,348		573		115		2,244		—		1,836		—
Total	$	254,963	$	176,331	$	146,331	$	30,000	$	6,683	$	186,890	$	—	$	189,420	$	—

Troubled debt restructurings of internally risk graded loans

Troubled debt restructurings of internally risk graded impaired loans at June 30, 2012 were as follows (in thousands):

	As of								Amounts Charged-off
	June 30, 2012								During:
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance		Three months ended June 30, 2012		Six months ended June 30, 2012
Commercial:
Energy	$	—	$	—	$	—	$	—	$	—	$	—
Services	2,700		1,381		1,319		—		—		—
Wholesale/retail	1,612		1,428		184		20		—		—
Manufacturing	—		—		—		—		—		—
Healthcare	77		77		—		—		—		—
Integrated food services	—		—		—		—		—		—
Other commercial and industrial	779		—		779		—		—		—
Total commercial	5,168		2,886		2,282		20		—		—
Commercial real estate:
Construction and land development	18,217		4,238		13,979		76		769		2,579
Retail	3,618		3,618		—		—		—		—
Office	3,387		2,489		898		—		—		269
Multifamily	—		—		—		—		—		—
Industrial	—		—		—		—		—		—
Other real estate loans	5,730		1,933		3,797		103		—		2,182
Total commercial real estate	30,952		12,278		18,674		179		769		5,030
Residential mortgage:
Permanent mortgage	4,646		4,327		319		54		121		145
Home equity	—		—		—		—		—		—
Total residential mortgage	4,646		4,327		319		54		121		145
Consumer:
Indirect automobile	—		—		—		—		—		—
Other consumer	3,502		3,502		—		—		—		—
Total consumer	3,502		3,502		—		—		—		—
Total	$	44,268	$	22,993	$	21,275	$	253	$	890	$	5,175

The financial impact of troubled debt restructurings primarily consist of specific allowances for credit losses and principal amounts charged off. Internally risk graded loans that have been modified in troubled debt restructurings generally remain classified as nonaccruing. Other financial impacts, such as foregone interest, are not material to the financial statements.

In addition to risk graded loans discussed above, non-risk graded residential mortgage loans may be modified in troubled debt restructurings primarily consist of loans that are guaranteed by U.S. government agencies. At June 30, 2012, approximately $11 million of the renegotiated residential mortgage loans are currently performing in accordance with the modified terms, $7.0 million are 30 to 89 days past due and $10 million are past due 90 days or more. Restructured residential mortgage loans guaranteed by agencies of the U.S. government in accordance with agency guidelines represent $25 million of our $28 million portfolio of renegotiated loans. All renegotiated loans past due 90 days or more are guaranteed by U.S. government agencies. 

Troubled debt restructurings of internally risk graded impaired loans at December 31, 2011 were as follows (in thousands):

	As of
	December 31, 2011
	Recorded Investment		Performing in Accordance With Modified Terms		Not Performing in Accordance With Modified Terms		Specific Allowance
Commercial:
Energy	$	—	$	—	$	—	$	—
Services	3,529		1,907		1,622		—
Wholesale/retail	1,739		961		778		24
Manufacturing	—		—		—		—
Healthcare	—		—		—		—
Integrated food services	—		—		—		—
Other commercial and industrial	960		—		960		—
Total commercial	6,228		2,868		3,360		24
Commercial real estate:
Construction and land development	25,890		3,585		22,305		1,577
Retail	1,070		—		1,070		—
Office	2,496		1,134		1,362		215
Multifamily	—		—		—		—
Industrial	—		—		—		—
Other real estate loans	8,171		387		7,784		662
Total commercial real estate	37,627		5,106		32,521		2,454
Residential mortgage:
Permanent mortgage	4,103		1,396		2,707		282
Home equity	—		—		—		—
Total residential mortgage	4,103		1,396		2,707		282
Consumer:
Indirect automobile	—		—		—		—
Other consumer	168		168		—		—
Total consumer	168		168		—		—
Total	$	48,126	$	9,538	$	38,588	$	2,760

At December 31, 2011, approximately $13 million of the renegotiated residential mortgage loans are currently performing in accordance with the modified terms, $5.8 million are 30 to 89 days past due and $14 million are past due 90 days or more. Restructured residential mortgage loans guaranteed by agencies of the U.S. government in accordance with agency guidelines represent $29 million of our $33 million portfolio of renegotiated loans. All renegotiated loans past due 90 days or more are guaranteed by U.S. government agencies. 

Summary of loans by aging status

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of June 30, 2012 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,272,989	$	2,260	$	—	$	3,087	$	2,278,336
Services	1,917,655		3,705		37		10,123		1,931,520
Wholesale/retail	954,475		1,534		—		4,175		960,184
Manufacturing	350,647		—		—		12,230		362,877
Healthcare	1,005,538		180		100		3,310		1,009,128
Integrated food services	212,075		4,903		—		—		216,978
Other commercial and industrial	291,328		589		—		1,604		293,521
Total commercial	7,004,707		13,171		137		34,529		7,052,544
Commercial real estate:
Construction and land development	240,208		801		—		46,050		287,059
Retail	478,843		5,626		—		7,908		492,377
Office	373,278		525		—		10,589		384,392
Multifamily	358,204		742		—		3,219		362,165
Industrial	230,641		392		—		—		231,033
Other real estate loans	353,412		3,328		—		12,448		369,188
Total commercial real estate	2,034,586		11,414		—		80,214		2,126,214
Residential mortgage:
Permanent mortgage	1,107,610		15,130		495		18,136		1,141,371
Permanent mortgages guaranteed by U.S. government agencies	26,460		14,473		127,126		—		168,059
Home equity	688,821		2,211		44		4,591		695,667
Total residential mortgage	1,822,891		31,814		127,665		22,727		2,005,097
Consumer:
Indirect automobile	58,895		1,771		1		2,257		62,924
Other consumer	324,165		718		14		4,755		329,652
Total consumer	383,060		2,489		15		7,012		392,576
Total	$	11,245,244	$	58,888	$	127,817	$	144,482	$	11,576,431

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2011 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	2,003,192	$	1,065	$	448	$	336	$	2,005,041
Services	1,729,775		13,608		1,187		16,968		1,761,538
Wholesale/retail	945,776		470		—		21,180		967,426
Manufacturing	313,028		654		—		23,051		336,733
Healthcare	971,265		1,362		47		5,486		978,160
Integrated food services	204,306		—		5		—		204,311
Other commercial and industrial	298,105		1,966		—		1,790		301,861
Total commercial	6,465,447		19,125		1,687		68,811		6,555,070
Commercial real estate:
Construction and land development	278,901		1,279		—		61,874		342,054
Retail	502,167		372		—		6,863		509,402
Office	394,227		239		—		11,457		405,923
Multifamily	365,477		38		—		3,513		369,028
Industrial	278,186		—		—		—		278,186
Other real estate loans	367,643		3,444		137		15,486		386,710
Total commercial real estate	2,186,601		5,372		137		99,193		2,291,303
Residential mortgage:
Permanent mortgage	1,110,418		17,259		601		25,366		1,153,644
Permanent mortgages guaranteed by U.S. government agencies	20,998		12,163		155,301		—		188,462
Home equity	624,942		3,036		42		4,401		632,421
Total residential mortgage	1,756,358		32,458		155,944		29,767		1,974,527
Consumer:
Indirect automobile	98,345		4,581		29		2,194		105,149
Other consumer	340,087		2,286		—		1,321		343,694
Total consumer	438,432		6,867		29		3,515		448,843
Total	$	10,846,838	$	63,822	$	157,797	$	201,286	$	11,269,743

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of June 30, 2011 is as follows (in thousands):

			Past Due
	Current		30 to 89 Days		90 Days or More		Nonaccrual		Total
Commercial:
Energy	$	1,709,608	$	153	$	—	$	345	$	1,710,106
Services	1,703,683		3,759		1,593		16,254		1,725,289
Wholesale/retail	1,027,827		697		487		25,138		1,054,149
Manufacturing	363,048		—		—		4,366		367,414
Healthcare	849,605		177		—		5,962		855,744
Integrated food services	187,833		—		—		—		187,833
Other commercial and industrial	268,161		192		57		1,300		269,710
Total commercial	6,109,765		4,978		2,137		53,365		6,170,245
Commercial real estate:
Construction and land development	293,627		2,333		—		76,265		372,225
Retail	442,231		2,911		—		4,642		449,784
Office	471,938		2,320		—		11,473		485,731
Multifamily	329,824		—		—		4,717		334,541
Industrial	159,422		384		—		—		159,806
Other real estate loans	370,110		2,393		175		13,266		385,944
Total commercial real estate	2,067,152		10,341		175		110,363		2,188,031
Residential mortgage:
Permanent mortgage	1,108,565		18,735		—		27,991		1,155,291
Permanent mortgages guaranteed by U.S. government agencies	8,426		3,728		122,304		—		134,458
Home equity	576,045		2,450		8		3,702		582,205
Total residential mortgage	1,693,036		24,913		122,312		31,693		1,871,954
Consumer:
Indirect automobile	152,496		7,256		19		2,729		162,500
Other consumer	341,761		1,031		2		2,020		344,814
Total consumer	494,257		8,287		21		4,749		507,314
Total	$	10,364,210	$	48,519	$	124,645	$	200,170	$	10,737,544