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Loans and Allowances for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2013
Loans Receivable, Net [Abstract]  
Schedule of Loans by Portfolio Segment [Table Text Block]
Portfolio segments of the loan portfolio are as follows (in thousands):

 
 
June 30, 2013
 
December 31, 2012
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
4,265,136

 
$
3,422,115

 
$
20,869

 
$
7,708,120

 
$
4,158,548

 
$
3,458,897

 
$
24,467

 
$
7,641,912

Commercial real estate
 
855,806

 
1,402,597

 
58,693

 
2,317,096

 
845,023

 
1,323,350

 
60,626

 
2,228,999

Residential mortgage
 
1,768,607

 
230,644

 
40,534

 
2,039,785

 
1,747,038

 
251,394

 
46,608

 
2,045,040

Consumer
 
142,737

 
231,007

 
2,037

 
375,781

 
175,412

 
217,384

 
2,709

 
395,505

Total
 
$
7,032,286

 
$
5,286,363

 
$
122,133

 
$
12,440,782

 
$
6,926,021

 
$
5,251,025

 
$
134,410

 
$
12,311,456

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
2,460

 
 

 
 

 
 

 
$
3,925

 
 
June 30, 2012
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
3,571,513

 
$
3,429,493

 
$
34,529

 
$
7,035,535

Commercial real estate
 
882,100

 
1,187,416

 
80,214

 
2,149,730

Residential mortgage
 
1,708,164

 
271,994

 
22,727

 
2,002,885

Consumer
 
198,305

 
182,964

 
7,012

 
388,281

Total
 
$
6,360,082

 
$
5,071,867

 
$
144,482

 
$
11,576,431

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
691

1 
Excludes residential mortgage loans guaranteed by agencies of the U.S. government
Rollforward of Allowance For Loan Losses And Accrual for Off-Balance Sheet Credit Losses [Table Text Block]
The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended June 30, 2013 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
66,419

 
$
48,528

 
$
40,222

 
$
7,984

 
$
42,812

 
$
205,965

Provision for loan losses
 
223

 
(1,118
)
 
597

 
162

 
(363
)
 
(499
)
Loans charged off
 
(4,538
)
 
(450
)
 
(2,057
)
 
(1,507
)
 
—

 
(8,552
)
Recoveries
 
1,940

 
2,727

 
444

 
1,099

 
—

 
6,210

Ending balance
 
$
64,044

 
$
49,687

 
$
39,206

 
$
7,738

 
$
42,449

 
$
203,124

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
405

 
$
618

 
$
72

 
$
10

 
$
—

 
$
1,105

Provision for off-balance sheet credit losses
 
(3
)
 
560

 
(66
)
 
8

 
—

 
499

Ending balance
 
$
402

 
$
1,178

 
$
6

 
$
18

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
220

 
$
(558
)
 
$
531

 
$
170

 
$
(363
)
 
$
—


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the six months ended June 30, 2013 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
65,280

 
$
54,884

 
$
41,703

 
$
9,453

 
$
44,187

 
$
215,507

Provision for loan losses
 
(1,733
)
 
(3,798
)
 
323

 
(743
)
 
(1,738
)
 
(7,689
)
Loans charged off
 
(4,836
)
 
(5,250
)
 
(3,836
)
 
(3,539
)
 
—

 
(17,461
)
Recoveries
 
5,333

 
3,851

 
1,016

 
2,567

 
—

 
12,767

Ending balance
 
$
64,044

 
$
49,687

 
$
39,206

 
$
7,738

 
$
42,449

 
$
203,124

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
475

 
$
1,353

 
$
78

 
$
9

 
$
—

 
$
1,915

Provision for off-balance sheet credit losses
 
(73
)
 
(175
)
 
(72
)
 
9

 
—

 
(311
)
Ending balance
 
$
402

 
$
1,178

 
$
6

 
$
18

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(1,806
)
 
$
(3,973
)
 
$
251

 
$
(734
)
 
$
(1,738
)
 
$
(8,000
)

The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the three months ended June 30, 2012 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
85,972

 
$
62,742

 
$
41,628

 
$
9,517

 
$
44,350

 
$
244,209

Provision for loan losses
 
(2,526
)
 
(6,264
)
 
4,371

 
212

 
(3,492
)
 
(7,699
)
Loans charged off
 
(4,094
)
 
(1,216
)
 
(4,061
)
 
(2,172
)
 
—

 
(11,543
)
Recoveries
 
4,125

 
544

 
750

 
1,283

 
—

 
6,702

Ending balance
 
$
83,477

 
$
55,806

 
$
42,688

 
$
8,840

 
$
40,858

 
$
231,669

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
8,362

 
$
1,575

 
$
82

 
$
29

 
$
—

 
$
10,048

Provision for off-balance sheet credit losses
 
(138
)
 
(150
)
 
(2
)
 
(11
)
 
—

 
(301
)
Ending balance
 
$
8,224

 
$
1,425

 
$
80

 
$
18

 
$
—

 
$
9,747

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(2,664
)
 
$
(6,414
)
 
$
4,369

 
$
201

 
$
(3,492
)
 
$
(8,000
)


The activity in the allowance for loan losses and the allowance for off-balance sheet credit losses related to loan commitments and standby letters of credit for the six months ended June 30, 2012 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
83,443

 
$
67,034

 
$
46,476

 
$
10,178

 
$
46,350

 
$
253,481

Provision for loan losses
 
991

 
(5,143
)
 
898

 
260

 
(5,492
)
 
(8,486
)
Loans charged off
 
(7,028
)
 
(7,941
)
 
(5,847
)
 
(4,401
)
 
—

 
(25,217
)
Recoveries
 
6,071

 
1,856

 
1,161

 
2,803

 
—

 
11,891

Ending balance
 
$
83,477

 
$
55,806

 
$
42,688

 
$
8,840

 
$
40,858

 
$
231,669

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
7,906

 
$
1,250

 
$
91

 
$
14

 
$
—

 
$
9,261

Provision for off-balance sheet credit losses
 
318

 
175

 
(11
)
 
4

 
—

 
486

Ending balance
 
$
8,224

 
$
1,425

 
$
80

 
$
18

 
$
—

 
$
9,747

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
1,309

 
$
(4,968
)
 
$
887

 
$
264

 
$
(5,492
)
 
$
(8,000
)
Schedule of Allowance for Loan Losses and Recorded Investment by Impairment Methodology [Table Text Block]
The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at June 30, 2013 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
 
$
7,687,251

 
$
63,492

 
$
20,869

 
$
552

 
$
7,708,120

 
$
64,044

Commercial real estate
 
2,258,403

 
48,493

 
58,693

 
1,194

 
2,317,096

 
49,687

Residential mortgage
 
1,999,334

 
39,028

 
40,451

 
178

 
2,039,785

 
39,206

Consumer
 
373,744

 
7,618

 
2,037

 
120

 
375,781

 
7,738

Total
 
12,318,732

 
158,631

 
122,050

 
2,044

 
12,440,782

 
160,675

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
42,449

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,318,732

 
$
158,631

 
$
122,050

 
$
2,044

 
$
12,440,782

 
$
203,124



The allowance for loan losses and recorded investment of the related loans by portfolio segment for each impairment measurement method at December 31, 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
 
$
7,617,445

 
$
65,050

 
$
24,467

 
$
230

 
$
7,641,912

 
$
65,280

Commercial real estate
 
2,168,373

 
51,775

 
60,626

 
3,109

 
2,228,999

 
54,884

Residential mortgage
 
1,998,432

 
40,934

 
46,608

 
769

 
2,045,040

 
41,703

Consumer
 
392,796

 
9,328

 
2,709

 
125

 
395,505

 
9,453

Total
 
12,177,046

 
167,087

 
134,410

 
4,233

 
12,311,456

 
171,320

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
44,187

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,177,046

 
$
167,087

 
$
134,410

 
$
4,233

 
$
12,311,456

 
$
215,507



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
 
$
7,001,006

 
$
83,199

 
$
34,529

 
$
278

 
$
7,035,535

 
$
83,477

Commercial real estate
 
2,069,516

 
54,526

 
80,214

 
1,280

 
2,149,730

 
55,806

Residential mortgage
 
1,980,158

 
42,453

 
22,727

 
235

 
2,002,885

 
42,688

Consumer
 
381,268

 
8,798

 
7,013

 
42

 
388,281

 
8,840

Total
 
11,431,948

 
188,976

 
144,483

 
1,835

 
11,576,431

 
190,811

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,858

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,431,948

 
$
188,976

 
$
144,483

 
$
1,835

 
$
11,576,431

 
$
231,669
Schedule of Allowance for Loan Losses and Recorded Investment by Portfolio Segment for Risk Graded and Non-Risk Graded Loans [Table Text Block]
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, 2013 is as follows (in thousands):

 
 
Internally Risk Graded
 
Non-Graded
 
Total
 
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related Allowance
 
Recorded Investment
 
Related
Allowance
Commercial
 
$
7,689,954

 
$
62,830

 
$
18,166

 
$
1,214

 
$
7,708,120

 
$
64,044

Commercial real estate
 
2,317,096

 
49,687

 
—

 
—

 
2,317,096

 
49,687

Residential mortgage
 
230,359

 
3,753

 
1,809,426

 
35,453

 
2,039,785

 
39,206

Consumer
 
243,384

 
2,316

 
132,397

 
5,422

 
375,781

 
7,738

Total
 
10,480,793

 
118,586

 
1,959,989

 
42,089

 
12,440,782

 
160,675

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
42,449

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,480,793

 
$
118,586

 
$
1,959,989

 
$
42,089

 
$
12,440,782

 
$
203,124

 
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, 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
 
$
7,624,442

 
$
64,181

 
$
17,470

 
$
1,099

 
$
7,641,912

 
$
65,280

Commercial real estate
 
2,228,999

 
54,884

 
—

 
—

 
2,228,999

 
54,884

Residential mortgage
 
265,503

 
5,270

 
1,779,537

 
36,433

 
2,045,040

 
41,703

Consumer
 
231,376

 
2,987

 
164,129

 
6,466

 
395,505

 
9,453

Total
 
10,350,320

 
127,322

 
1,961,136

 
43,998

 
12,311,456

 
171,320

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
44,187

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,350,320

 
$
127,322

 
$
1,961,136

 
$
43,998

 
$
12,311,456

 
$
215,507


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
 
$
7,017,925

 
$
82,357

 
$
17,610

 
$
1,120

 
$
7,035,535

 
$
83,477

Commercial real estate
 
2,149,724

 
55,806

 
6

 
—

 
2,149,730

 
55,806

Residential mortgage
 
286,499

 
6,987

 
1,716,386

 
35,701

 
2,002,885

 
42,688

Consumer
 
196,735

 
1,895

 
191,546

 
6,945

 
388,281

 
8,840

Total
 
9,650,883

 
147,045

 
1,925,548

 
43,766

 
11,576,431

 
190,811

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,858

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
9,650,883

 
$
147,045

 
$
1,925,548

 
$
43,766

 
$
11,576,431

 
$
231,669
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at June 30, 2013 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,378,187

 
$
4,282

 
$
2,277

 
$
—

 
$
—

 
$
2,384,746

Services
 
2,170,695

 
26,110

 
7,448

 
—

 
—

 
2,204,253

Wholesale/retail
 
1,167,215

 
1,628

 
6,700

 
—

 
—

 
1,175,543

Manufacturing
 
381,729

 
3,528

 
876

 
—

 
—

 
386,133

Healthcare
 
1,116,089

 
51

 
2,670

 
—

 
—

 
1,118,810

Integrated food services
 
158,674

 
4,877

 
—

 
—

 
—

 
163,551

Other commercial and industrial
 
251,563

 
4,518

 
837

 
18,105

 
61

 
275,084

Total commercial
 
7,624,152

 
44,994

 
20,808

 
18,105

 
61

 
7,708,120

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
184,216

 
20,303

 
21,135

 
—

 
—

 
225,654

Retail
 
540,872

 
4,134

 
8,406

 
—

 
—

 
553,412

Office
 
450,790

 
940

 
7,828

 
—

 
—

 
459,558

Multifamily
 
491,864

 
2,141

 
6,447

 
—

 
—

 
500,452

Industrial
 
253,732

 
258

 
—

 
—

 
—

 
253,990

Other commercial real estate
 
296,864

 
12,289

 
14,877

 
—

 
—

 
324,030

Total commercial real estate
 
2,218,338

 
40,065

 
58,693

 
—

 
—

 
2,317,096

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
219,222

 
4,789

 
6,348

 
839,113

 
26,399

 
1,095,871

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
156,804

 
83

 
156,887

Home equity
 
—

 
—

 
—

 
779,323

 
7,704

 
787,027

Total residential mortgage
 
219,222

 
4,789

 
6,348

 
1,775,240

 
34,186

 
2,039,785

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
15,367

 
1,188

 
16,555

Other consumer
 
242,059

 
930

 
395

 
115,388

 
454

 
359,226

Total consumer
 
242,059

 
930

 
395

 
130,755

 
1,642

 
375,781

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,303,771

 
$
90,778

 
$
86,244

 
$
1,924,100

 
$
35,889

 
$
12,440,782


The following table summarizes the Company’s loan portfolio at December 31, 2012 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,448,954

 
$
9,245

 
$
2,460

 
$
—

 
$
—

 
$
2,460,659

Services
 
2,119,734

 
32,362

 
12,090

 
—

 
—

 
2,164,186

Wholesale/retail
 
1,093,413

 
9,949

 
3,077

 
—

 
—

 
1,106,439

Manufacturing
 
337,132

 
9,345

 
2,007

 
—

 
—

 
348,484

Healthcare
 
1,077,773

 
467

 
3,166

 
—

 
—

 
1,081,406

Integrated food services
 
190,422

 
—

 
684

 
—

 
—

 
191,106

Other commercial and industrial
 
266,329

 
4,914

 
919

 
17,406

 
64

 
289,632

Total commercial
 
7,533,757

 
66,282

 
24,403

 
17,406

 
64

 
7,641,912

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
204,010

 
22,952

 
26,131

 
—

 
—

 
253,093

Retail
 
508,342

 
6,327

 
8,117

 
—

 
—

 
522,786

Office
 
405,763

 
15,280

 
6,829

 
—

 
—

 
427,872

Multifamily
 
393,566

 
6,624

 
2,706

 
—

 
—

 
402,896

Industrial
 
241,761

 
265

 
3,968

 
—

 
—

 
245,994

Other commercial real estate
 
351,663

 
11,820

 
12,875

 
—

 
—

 
376,358

Total commercial real estate
 
2,105,105

 
63,268

 
60,626

 
—

 
—

 
2,228,999

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
242,823

 
10,271

 
12,409

 
831,008

 
27,454

 
1,123,965

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
159,955

 
489

 
160,444

Home equity
 
—

 
—

 
—

 
754,375

 
6,256

 
760,631

Total residential mortgage
 
242,823

 
10,271

 
12,409

 
1,745,338

 
34,199

 
2,045,040

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
33,157

 
1,578

 
34,735

Other consumer
 
229,570

 
1,091

 
715

 
128,978

 
416

 
360,770

Total consumer
 
229,570

 
1,091

 
715

 
162,135

 
1,994

 
395,505

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,111,255

 
$
140,912

 
$
98,153

 
$
1,924,879

 
$
36,257

 
$
12,311,456


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
 
$
2,254,806

 
$
10,959

 
$
3,087

 
$
—

 
$
—

 
$
2,268,852

Services
 
1,937,953

 
40,254

 
10,123

 
—

 
—

 
1,988,330

Wholesale/retail
 
930,912

 
11,597

 
4,175

 
—

 
—

 
946,684

Manufacturing
 
325,024

 
9,832

 
12,230

 
—

 
—

 
347,086

Healthcare
 
979,985

 
1,045

 
3,310

 
—

 
—

 
984,340

Integrated food services
 
205,573

 
696

 
—

 
—

 
—

 
206,269

Other commercial and industrial
 
274,535

 
325

 
1,504

 
17,510

 
100

 
293,974

Total commercial
 
6,908,788

 
74,708

 
34,429

 
17,510

 
100

 
7,035,535

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
219,301

 
26,746

 
46,050

 
—

 
—

 
292,097

Retail
 
489,948

 
8,290

 
7,908

 
—

 
—

 
506,146

Office
 
372,398

 
12,352

 
10,589

 
—

 
—

 
395,339

Multifamily
 
348,520

 
6,677

 
3,219

 
—

 
—

 
358,416

Industrial
 
228,452

 
273

 
—

 
—

 
—

 
228,725

Other commercial real estate
 
342,634

 
13,925

 
12,442

 
—

 
6

 
369,007

Total commercial real estate
 
2,001,253

 
68,263

 
80,208

 
—

 
6

 
2,149,730

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
265,891

 
13,398

 
7,210

 
847,414

 
10,926

 
1,144,839

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
162,240

 
—

 
162,240

Home equity
 
—

 
—

 
—

 
691,215

 
4,591

 
695,806

Total residential mortgage
 
265,891

 
13,398

 
7,210

 
1,700,869

 
15,517

 
2,002,885

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
60,681

 
2,257

 
62,938

Other consumer
 
189,212

 
3,053

 
4,470

 
128,323

 
285

 
325,343

Total consumer
 
189,212

 
3,053

 
4,470

 
189,004

 
2,542

 
388,281

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
9,365,144

 
$
159,422

 
$
126,317

 
$
1,907,383

 
$
18,165

 
$
11,576,431
Summary of Impaired Loans [Table Text Block]
Impaired Loans

Loans are considered to be impaired when it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. This includes all nonaccruing loans, all loans modified in a TDR and all loans repurchased from GNMA pools.

A summary of impaired loans follows (in thousands):
 
As of
 
For the
 
For the
 
June 30, 2013
 
Three Months Ended
 
Six Months Ended
 
 
 
Recorded Investment
 
 
 
June 30, 2013
 
June 30, 2013
 
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
$
2,277

 
$
2,277

 
$
2,277

 
$
—

 
$
—

 
$
2,327

 
$
—

 
$
2,369

 
$
—

Services
9,631

 
7,448

 
6,283

 
1,165

 
493

 
8,461

 
—

 
9,769

 
—

Wholesale/retail
10,916

 
6,700

 
6,656

 
44

 
11

 
4,470

 
—

 
4,889

 
—

Manufacturing
1,168

 
876

 
876

 
—

 
—

 
1,362

 
—

 
1,442

 
—

Healthcare
3,357

 
2,670

 
2,622

 
48

 
48

 
2,816

 
—

 
2,918

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
342

 
—

Other commercial and industrial
8,398

 
898

 
898

 
—

 
—

 
930

 
—

 
941

 
—

Total commercial
35,747

 
20,869

 
19,612

 
1,257

 
552

 
20,366

 
—

 
22,670

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
24,752

 
21,135

 
20,841

 
294

 
102

 
22,299

 
—

 
23,633

 
—

Retail
9,827

 
8,406

 
8,406

 
—

 
—

 
8,664

 
—

 
8,262

 
—

Office
9,245

 
7,828

 
7,820

 
8

 
8

 
10,340

 
—

 
7,329

 
—

Multifamily
6,447

 
6,447

 
4,415

 
2,032

 
196

 
5,474

 
—

 
4,577

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
1,099

 
—

 
1,984

 
—

Other real estate loans
17,196

 
14,877

 
13,113

 
1,764

 
888

 
14,060

 
—

 
13,876

 
—

Total commercial real estate
67,467

 
58,693

 
54,595

 
4,098

 
1,194

 
61,936

 
—

 
59,661

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
42,983

 
32,747

 
32,495

 
252

 
178

 
35,450

 
285

 
36,304

 
603

Permanent mortgage guaranteed by U.S. government agencies1
165,431

 
156,887

 
156,887

 
—

 
—

 
158,038

 
1,628

 
162,256

 
3,408

Home equity
7,704

 
7,704

 
7,704

 
—

 
—

 
7,382

 
—

 
6,980

 
—

Total residential mortgage
216,118

 
197,338

 
197,086

 
252

 
178

 
200,870

 
1,913

 
205,540

 
4,011

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
1,188

 
1,188

 
1,188

 
—

 
—

 
1,254

 
—

 
1,383

 
—

Other consumer
915

 
849

 
729

 
120

 
120

 
851

 
—

 
990

 
—

Total consumer
2,103

 
2,037

 
1,917

 
120

 
120

 
2,105

 
—

 
2,373

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
321,435

 
$
278,937

 
$
273,210

 
$
5,727

 
$
2,044

 
$
285,277

 
$
1,913

 
$
290,244

 
$
4,011

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At June 30, 2013, $83 thousand of these loans were nonaccruing and $157 million were accruing based on the guarantee by U.S. government agencies.

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

A summary of impaired loans at December 31, 2012 follows (in thousands): 
 
 
 
 
Recorded Investment
 
 
 
 
Unpaid
Principal
Balance
 
Total
 
With No
Allowance
 
With Allowance
 
Related Allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,460

 
$
2,460

 
$
2,460

 
$
—

 
$
—

Services
 
15,715

 
12,090

 
11,940

 
150

 
149

Wholesale/retail
 
9,186

 
3,077

 
3,016

 
61

 
15

Manufacturing
 
2,447

 
2,007

 
2,007

 
—

 
—

Healthcare
 
4,256

 
3,166

 
2,050

 
1,116

 
66

Integrated food services
 
684

 
684

 
684

 
—

 
—

Other commercial and industrial
 
8,482

 
983

 
983

 
—

 
—

Total commercial
 
43,230

 
24,467

 
23,140

 
1,327

 
230

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
44,721

 
26,131

 
25,575

 
556

 
155

Retail
 
9,797

 
8,117

 
8,117

 
—

 
—

Office
 
8,949

 
6,829

 
6,604

 
225

 
21

Multifamily
 
3,189

 
2,706

 
2,706

 
—

 
—

Industrial
 
3,968

 
3,968

 
—

 
3,968

 
2,290

Other real estate loans
 
15,377

 
12,875

 
10,049

 
2,826

 
643

Total commercial real estate
 
86,001

 
60,626

 
53,051

 
7,575

 
3,109

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
51,153

 
39,863

 
37,564

 
2,299

 
769

Permanent mortgage guaranteed by U.S. government agencies1
 
170,740

 
160,444

 
160,444

 
—

 
—

Home equity
 
6,256

 
6,256

 
6,256

 
—

 
—

Total residential mortgage
 
228,149

 
206,563

 
204,264

 
2,299

 
769

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
1,578

 
1,578

 
1,578

 
—

 
—

Other consumer
 
1,300

 
1,131

 
1,006

 
125

 
125

Total consumer
 
2,878

 
2,709

 
2,584

 
125

 
125

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
360,258

 
$
294,365

 
$
283,039

 
$
11,326

 
$
4,233

1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At December 31, 2012, $489 thousand of these loans were nonaccruing and $160 million were accruing based on the guarantee by U.S. government agencies.

A summary of impaired loans at June 30, 2012 follows (in thousands): 
 
As of
 
For the
 
For the
 
As of 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
9,103

 
1,604

 
1,604

 
—

 
—

 
1,696

 
—

 
1,697

 
—

Total commercial
57,285

 
34,529

 
33,082

 
1,447

 
278

 
48,141

 
—

 
51,672

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
14,750

 
12,448

 
11,524

 
924

 
199

 
13,084

 
—

 
13,967

 
—

Total commercial real estate
119,669

 
80,214

 
76,125

 
4,089

 
1,280

 
83,346

 
—

 
89,704

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
26,504

 
18,136

 
17,519

 
617

 
235

 
20,479

 
398

 
21,751

 
795

Permanent mortgage guaranteed by U.S. government agencies1
166,824

 
162,240

 
162,240

 
—

 
—

 
177,537

 
1,680

 
185,961

 
3,359

Home equity
4,591

 
4,591

 
4,591

 
—

 
—

 
4,616

 
—

 
4,496

 
—

Total residential mortgage
197,919

 
184,967

 
184,350

 
617

 
235

 
202,632

 
2,078

 
212,208

 
4,154

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Indirect automobile
2,257

 
2,257

 
2,257

 
—

 
—

 
2,433

 
—

 
2,226

 
—

Other consumer
5,342

 
4,756

 
4,714

 
42

 
42

 
4,910

 
—

 
3,039

 
—

Total consumer
7,599

 
7,013

 
6,971

 
42

 
42

 
7,343

 
—

 
5,265

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
382,472

 
$
306,723

 
$
300,528

 
$
6,195

 
$
1,835

 
$
341,462

 
$
2,078

 
$
358,849

 
$
4,154


1 
All permanent mortgage loans guaranteed by U.S. government agencies are considered impaired as we do not expect full collection of contractual principal and interest. At June 30, 2012, all of these loans were accruing based on the guarantee by U.S. government agencies.
Troubled Debt Restructurings [Table Text Block]
Troubled Debt Restructurings

A summary of troubled debt restructurings ("TDRs") by accruing status as of June 30, 2013 were as follows (in thousands):

 
 
As of June 30, 2013
 
Amounts Charged Off During
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended June 30, 2013
 
Six Months Ended
June 30, 2013
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
3,065

 
710

 
2,355

 
228

 
—

 
—

Wholesale/retail
 
1,107

 
968

 
139

 
12

 
—

 
—

Manufacturing
 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
821

 
189

 
632

 
—

 
—

 
—

Total commercial
 
4,993

 
1,867

 
3,126

 
240

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
11,734

 
1,934

 
9,800

 
23

 
54

 
54

Retail
 
5,681

 
1,604

 
4,077

 
—

 
—

 
627

Office
 
5,488

 
1,313

 
4,175

 
—

 
77

 
77

Multifamily
 
990

 
208

 
782

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
8,746

 
3,739

 
5,007

 
—

 
—

 
—

Total commercial real estate
 
32,639

 
8,798

 
23,841

 
23

 
131

 
758

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
17,639

 
10,917

 
6,722

 
54

 
8

 
348

Home equity
 
3,504

 
3,264

 
240

 
—

 
69

 
69

Total residential mortgage
 
21,143

 
14,181

 
6,962

 
54

 
77

 
417

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
986

 
926

 
60

 
—

 
—

 
1

Other consumer
 
556

 
398

 
158

 
78

 
—

 
—

Total consumer
 
1,542

 
1,324

 
218

 
78

 
—

 
1

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
60,317

 
$
26,170

 
$
34,147

 
$
395

 
$
208

 
$
1,176

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of June 30, 2013
 
Amounts Charged Off During
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
Three Months Ended June 30, 2013
 
Six Months Ended
June 30, 2013
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
—

 
—

 
—

 
—

 
—

 
—

Permanent mortgages guaranteed by U.S. government agencies
 
48,733

 
12,598

 
36,135

 
—

 
—

 
—

Total residential mortgage
 
48,733

 
12,598

 
36,135

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total accruing TDRs
 
48,733

 
12,598

 
36,135

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
109,050

 
$
38,768

 
$
70,282

 
$
395

 
$
208

 
$
1,176


A summary of troubled debt restructurings by accruing status as of December 31, 2012 were as follows (in thousands):

 
 
As of
 
 
December 31, 2012
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

Services
 
2,492

 
2,099

 
393

 
45

Wholesale/retail
 
2,290

 
1,362

 
928

 
15

Manufacturing
 
—

 
—

 
—

 
—

Healthcare
 
64

 
64

 
—

 
—

Integrated food services
 
—

 
—

 
—

 
—

Other commercial and industrial
 
675

 
—

 
675

 
—

Total commercial
 
5,521

 
3,525

 
1,996

 
60

 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

Construction and land development
 
14,898

 
9,989

 
4,909

 
76

Retail
 
6,785

 
5,735

 
1,050

 
—

Office
 
3,899

 
1,920

 
1,979

 
—

Multifamily
 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

Other real estate loans
 
5,017

 
3,399

 
1,618

 
—

Total commercial real estate
 
30,599

 
21,043

 
9,556

 
76

 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

Permanent mortgage
 
20,490

 
12,214

 
8,276

 
54

Home equity
 
—

 
—

 
—

 
—

Total residential mortgage
 
20,490

 
12,214

 
8,276

 
54

 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

Indirect automobile
 
532

 
492

 
40

 
—

Other consumer
 
2,328

 
2,097

 
231

 
83

Total consumer
 
2,860

 
2,589

 
271

 
83

 
 
 
 
 
 
 
 
 
Total nonaccuring TDRs
 
$
59,470

 
$
39,371

 
$
20,099

 
$
273

 
 
As of
 
 
December 31, 2012
 
 
Recorded
Investment
 
Performing in Accordance With Modified Terms
 
Not
Performing in Accordance With Modified Terms
 
Specific
Allowance
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
Permanent mortgage
 
—

 
—

 
—

 
—

Permanent mortgages guaranteed by U.S. government agencies
 
38,515

 
8,755

 
29,760

 
—

Total residential mortgage
 
38,515

 
8,755

 
29,760

 
—

 
 
 
 
 
 
 
 
 
Total accruing TDRs
 
38,515

 
8,755

 
29,760

 
—

 
 
 
 
 
 
 
 
 
Total TDRs
 
$
97,985

 
$
48,126

 
$
49,859

 
$
273


A summary of troubled debt restructurings by accruing status as of June 30, 2012 were as follows (in thousands):
 
 
As of June 30, 2012
 
Amounts Charged Off 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
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
 
6,892

 
4,327

 
2,565

 
54

 
115

 
115

Home equity
 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
 
6,892

 
4,327

 
2,565

 
54

 
115

 
115

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
 
3,502

 
3,502

 
—

 
—

 
—

 
—

Total consumer
 
3,502

 
3,502

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
46,514

 
$
22,993

 
$
23,521

 
$
253

 
$
884

 
$
5,145

 
 
As of June 30, 2012
 
Amounts Charged Off 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
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
3,655

 
2,466

 
1,189

 
—

 
32

 
112

Permanent mortgages guaranteed by U.S. government agencies
 
24,760

 
8,881

 
15,879

 
—

 
—

 
—

Total residential mortgage
 
28,415

 
11,347

 
17,068

 
—

 
32

 
112

 
 
 
 
 
 
 
 
 
 
 
 
 
Total accruing TDRs
 
28,415

 
11,347

 
17,068

 
—

 
32

 
112

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
74,929

 
$
34,340

 
$
40,589

 
$
253

 
$
916

 
$
5,257

Troubled debt restructurings generally consist of interest rates concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans at June 30, 2013 by class that were restructured during the three and six months ended June 30, 2013 by primary type of concession (in thousands):

 
Three Months Ended
June 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
1,140

 
—

 
1,140

 
1,140

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
—

 
1,140

 
—

 
1,140

 
1,140

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 

 

Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
612

 
—

 
612

 
612

Office
—

 
—

 
—

 
—

 
3,181

 
—

 
3,181

 
3,181

Multifamily
—

 
—

 
—

 
—

 
990

 
—

 
990

 
990

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,931

 
—

 
3,931

 
3,931

Total commercial real estate
—

 
—

 
—

 
—

 
8,714

 
—

 
8,714

 
8,714

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
—

 
1,132

 
1,132

 
1,132

Permanent mortgage guaranteed by U.S. government agencies
3,087

 
5,809

 
8,896

 
—

 
—

 
—

 
—

 
8,896

Home equity
—

 
—

 
—

 
—

 
—

 
1,798

 
1,798

 
1,798

Total residential mortgage
3,087

 
5,809

 
8,896

 
—

 
—

 
2,930

 
2,930

 
11,826

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
719

 
719

 
719

Other consumer
—

 
—

 
—

 
—

 
—

 
58

 
58

 
58

Total consumer
—

 
—

 
—

 
—

 
—

 
777

 
777

 
777

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
3,087

 
$
5,809

 
$
8,896

 
$
—

 
$
9,854

 
$
3,707

 
$
13,561

 
$
22,457


 
Six Months Ended
June 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
1,173

 
—

 
1,173

 
1,173

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
147

 
—

 
—

 
147

 
147

Total commercial
—

 
—

 
—

 
147

 
1,173

 
—

 
1,320

 
1,320

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
612

 
—

 
612

 
612

Office
—

 
—

 
—

 
—

 
3,181

 
—

 
3,181

 
3,181

Multifamily
—

 
—

 
—

 
—

 
990

 
—

 
990

 
990

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,931

 
—

 
3,931

 
3,931

Total commercial real estate
—

 
—

 
—

 
—

 
8,714

 
—

 
8,714

 
8,714

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
27

 
1,377

 
1,404

 
1,404

Permanent mortgage guaranteed by U.S. government agencies
8,694

 
8,949

 
17,643

 
—

 
—

 
—

 
—

 
17,643

Home equity
—

 
—

 
—

 
—

 
—

 
2,108

 
2,108

 
2,108

Total residential mortgage
8,694

 
8,949

 
17,643

 
—

 
27

 
3,485

 
3,512

 
21,155

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
725

 
725

 
725

Other consumer
—

 
—

 
—

 
87

 
—

 
98

 
185

 
185

Total consumer
—

 
—

 
—

 
87

 
—

 
823

 
910

 
910

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
8,694

 
$
8,949

 
$
17,643

 
$
234

 
$
9,914

 
$
4,308

 
$
14,456

 
$
32,099


Troubled debt restructurings generally consist of interest rates concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following tables detail the recorded balance of loans by class that were restructured during the three and six months ended June 30, 2012 by primary type of concession (in thousands):

 
Three Months Ended
June 30, 2012
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
72

 
—

 
—

 
72

 
72

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
72

 
—

 
—

 
72

 
72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
1,203

 
—

 
—

 
1,203

 
1,203

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
1,203

 
—

 
—

 
1,203

 
1,203

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
—

 
23

 
23

 
23

Permanent mortgage guaranteed by U.S. government agencies
—

 
1,350

 
1,350

 
—

 
—

 
—

 
—

 
1,350

Home equity
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
—

 
1,350

 
1,350

 
—

 
—

 
23

 
23

 
1,373

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total consumer
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
—

 
$
1,350

 
$
1,350

 
$
1,275

 
$
—

 
$
23

 
$
1,298

 
$
2,648


 
Six Months Ended
June 30, 2012
 
Accruing
 
Nonaccrual
 
Total
 
Payment Stream
 
Combination & Other
 
Total
 
Interest Rate
 
Payment Stream
 
Combination & Other
 
Total
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
72

 
—

 
—

 
72

 
72

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
77

 
77

 
77

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
72

 
—

 
77

 
149

 
149

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
1,302

 
—

 
—

 
1,302

 
1,302

Retail
—

 
—

 
—

 
2,418

 
—

 
—

 
2,418

 
2,418

Office
—

 
—

 
—

 
1,387

 
—

 
—

 
1,387

 
1,387

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
1,636

 
—

 
1,636

 
1,636

Total commercial real estate
—

 
—

 
—

 
5,107

 
1,636

 
—

 
6,743

 
6,743

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
4,136

 
4,136

 
—

 
—

 
810

 
810

 
4,946

Permanent mortgage guaranteed by U.S. government agencies
—

 
151

 
151

 
—

 
—

 
—

 
—

 
151

Home equity
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
—

 
4,287

 
4,287

 
—

 
—

 
810

 
810

 
5,097

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
—

 
—

 
373

 
—

 
2,995

 
3,368

 
3,368

Total consumer
—

 
—

 
—

 
373

 
—

 
2,995

 
3,368

 
3,368

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
—

 
$
4,287

 
$
4,287

 
$
5,552

 
$
1,636

 
$
3,882

 
$
11,070

 
$
15,357


The following table summarizes, by loan class, the recorded investment at June 30, 2013 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three and six months ended June 30, 2013 (in thousands):

 
Three Months Ended
June 30, 2013
 
Six Months Ended
June 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
2,007

 
2,007

 
—

 
2,007

 
2,007

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
33

 
33

Total commercial
—

 
2,007

 
2,007

 
—

 
2,040

 
2,040

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
6,889

 
6,889

 
—

 
6,889

 
6,889

Retail
—

 
612

 
612

 
—

 
612

 
612

Office
—

 
3,181

 
3,181

 
—

 
3,181

 
3,181

Multifamily
—

 
782

 
782

 
—

 
990

 
990

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
3,398

 
3,398

 
—

 
3,931

 
3,931

Total commercial real estate
—

 
14,862

 
14,862

 
—

 
15,603

 
15,603

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
1,949

 
1,949

 
—

 
1,969

 
1,969

Permanent mortgage guaranteed by U.S. government agencies
22,784

 
—

 
22,784

 
26,767

 
—

 
26,767

Home equity
—

 
240

 
240

 
—

 
371

 
371

Total residential mortgage
22,784

 
2,189

 
24,973

 
26,767

 
2,340

 
29,107

 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
61

 
61

 
—

 
98

 
98

Other consumer
—

 
24

 
24

 
—

 
24

 
24

Total consumer
—

 
85

 
85

 
—

 
122

 
122

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
22,784

 
$
19,143

 
$
41,927

 
$
26,767

 
$
20,105

 
$
46,872


A payment default is defined as being 30 days or more past due. The table above includes loans that experienced a payment default during the period, but may be performing in accordance with the modified terms as of the balance sheet date.

The following table summarizes, by loan class, the recorded investment at June 30, 2012 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three and six months ended June 30, 2012 (in thousands):
 
Three Months Ended
June 30, 2012
 
Six Months Ended
June 30, 2012
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
—

 
—

 
—

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
1,203

 
1,203

 
—

 
1,203

 
1,203

Retail
—

 
—

 
—

 
—

 
2,418

 
2,418

Office
—

 
—

 
—

 
—

 
1,387

 
1,387

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
1,203

 
1,203

 
—

 
5,008

 
5,008

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
23

 
23

 
—

 
23

 
23

Permanent mortgage guaranteed by U.S. government agencies
492

 
—

 
492

 
2,096

 
—

 
2,096

Home equity
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
492

 
23

 
515

 
2,096

 
23

 
2,119

 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
—

 
—

 
—

 
—

 
—

Total consumer
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
492

 
$
1,226

 
$
1,718

 
$
2,096

 
$
5,031

 
$
7,127
Summary of Loans by Aging Status [Table Text Block]
Nonaccrual & Past Due Loans

Past due status for all loan classes is based on the actual number of days since the last payment was due according to the contractual terms of the loans.

A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of June 30, 2013 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,382,377

 
$
92

 
$
—

 
$
2,277

 
$
2,384,746

Services
 
2,192,771

 
1,769

 
2,265

 
7,448

 
2,204,253

Wholesale/retail
 
1,168,686

 
—

 
157

 
6,700

 
1,175,543

Manufacturing
 
385,257

 
—

 
—

 
876

 
386,133

Healthcare
 
1,115,187

 
953

 
—

 
2,670

 
1,118,810

Integrated food services
 
163,551

 
—

 
—

 
—

 
163,551

Other commercial and industrial
 
274,007

 
160

 
19

 
898

 
275,084

Total commercial
 
7,681,836

 
2,974

 
2,441

 
20,869

 
7,708,120

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
204,519

 
—

 
—

 
21,135

 
225,654

Retail
 
542,946

 
2,060

 
—

 
8,406

 
553,412

Office
 
451,730

 
—

 
—

 
7,828

 
459,558

Multifamily
 
492,306

 
1,699

 
—

 
6,447

 
500,452

Industrial
 
253,990

 
—

 
—

 
—

 
253,990

Other real estate loans
 
308,373

 
780

 
—

 
14,877

 
324,030

Total commercial real estate
 
2,253,864

 
4,539

 
—

 
58,693

 
2,317,096

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,054,435

 
8,689

 
—

 
32,747

 
1,095,871

Permanent mortgages guaranteed by U.S. government agencies
 
22,328

 
17,670

 
116,806

 
83

 
156,887

Home equity
 
776,872

 
2,451

 
—

 
7,704

 
787,027

Total residential mortgage
 
1,853,635

 
28,810

 
116,806

 
40,534

 
2,039,785

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
14,827

 
540

 
—

 
1,188

 
16,555

Other consumer
 
356,416

 
1,942

 
19

 
849

 
359,226

Total consumer
 
371,243

 
2,482

 
19

 
2,037

 
375,781

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,160,578

 
$
38,805

 
$
119,266

 
$
122,133

 
$
12,440,782


A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2012 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,454,928

 
$
3,071

 
$
200

 
$
2,460

 
$
2,460,659

Services
 
2,150,386

 
1,710

 
—

 
12,090

 
2,164,186

Wholesale/retail
 
1,103,307

 
5

 
50

 
3,077

 
1,106,439

Manufacturing
 
346,442

 
35

 
—

 
2,007

 
348,484

Healthcare
 
1,077,022

 
1,040

 
178

 
3,166

 
1,081,406

Integrated food services
 
190,416

 
6

 
—

 
684

 
191,106

Other commercial and industrial
 
288,522

 
127

 
—

 
983

 
289,632

Total commercial
 
7,611,023

 
5,994

 
428

 
24,467

 
7,641,912

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
226,962

 
—

 
—

 
26,131

 
253,093

Retail
 
514,252

 
349

 
68

 
8,117

 
522,786

Office
 
417,866

 
3,177

 
—

 
6,829

 
427,872

Multifamily
 
400,151

 
39

 
—

 
2,706

 
402,896

Industrial
 
242,026

 
—

 
—

 
3,968

 
245,994

Other real estate loans
 
358,030

 
2,092

 
3,361

 
12,875

 
376,358

Total commercial real estate
 
2,159,287

 
5,657

 
3,429

 
60,626

 
2,228,999

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,075,687

 
8,366

 
49

 
39,863

 
1,123,965

Permanent mortgages guaranteed by U.S. government agencies
 
26,560

 
13,046

 
120,349

 
489

 
160,444

Home equity
 
752,100

 
2,275

 
—

 
6,256

 
760,631

Total residential mortgage
 
1,854,347

 
23,687

 
120,398

 
46,608

 
2,045,040

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
31,869

 
1,273

 
15

 
1,578

 
34,735

Other consumer
 
358,308

 
1,327

 
4

 
1,131

 
360,770

Total consumer
 
390,177

 
2,600

 
19

 
2,709

 
395,505

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,014,834

 
$
37,938

 
$
124,274

 
$
134,410

 
$
12,311,456

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
 
$
2,263,505

 
$
2,260

 
$
—

 
$
3,087

 
$
2,268,852

Services
 
1,974,465

 
3,705

 
37

 
10,123

 
1,988,330

Wholesale/retail
 
940,975

 
1,534

 
—

 
4,175

 
946,684

Manufacturing
 
334,856

 
—

 
—

 
12,230

 
347,086

Healthcare
 
980,750

 
180

 
100

 
3,310

 
984,340

Integrated food services
 
201,366

 
4,903

 
—

 
—

 
206,269

Other commercial and industrial
 
291,781

 
589

 
—

 
1,604

 
293,974

Total commercial
 
6,987,698

 
13,171

 
137

 
34,529

 
7,035,535

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
245,246

 
801

 
—

 
46,050

 
292,097

Retail
 
492,612

 
5,626

 
—

 
7,908

 
506,146

Office
 
384,225

 
525

 
—

 
10,589

 
395,339

Multifamily
 
354,455

 
742

 
—

 
3,219

 
358,416

Industrial
 
228,333

 
392

 
—

 
—

 
228,725

Other real estate loans
 
353,231

 
3,328

 
—

 
12,448

 
369,007

Total commercial real estate
 
2,058,102

 
11,414

 
—

 
80,214

 
2,149,730

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,111,078

 
15,130

 
495

 
18,136

 
1,144,839

Permanent mortgages guaranteed by U.S. government agencies
 
20,641

 
14,473

 
127,126

 
—

 
162,240

Home equity
 
688,960

 
2,211

 
44

 
4,591

 
695,806

Total residential mortgage
 
1,820,679

 
31,814

 
127,665

 
22,727

 
2,002,885

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
58,909

 
1,771

 
1

 
2,257

 
62,938

Other consumer
 
319,856

 
718

 
14

 
4,755

 
325,343

Total consumer
 
378,765

 
2,489

 
15

 
7,012

 
388,281

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,245,244

 
$
58,888

 
$
127,817

 
$
144,482

 
$
11,576,431