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Loans and Allowances for Credit Losses (Tables)
 9 Months Ended
Sep. 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):

 
 
September 30, 2013
 
December 31, 2012
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
4,209,349

 
$
3,342,204

 
$
19,522

 
$
7,571,075

 
$
4,158,548

 
$
3,458,897

 
$
24,467

 
$
7,641,912

Commercial real estate
 
869,346

 
1,427,381

 
52,502

 
2,349,229

 
845,023

 
1,323,350

 
60,626

 
2,228,999

Residential mortgage
 
1,766,819

 
228,690

 
39,256

 
2,034,765

 
1,747,038

 
251,394

 
46,608

 
2,045,040

Consumer
 
137,193

 
256,214

 
1,624

 
395,031

 
175,412

 
217,384

 
2,709

 
395,505

Total
 
$
6,982,707

 
$
5,254,489

 
$
112,904

 
$
12,350,100

 
$
6,926,021

 
$
5,251,025

 
$
134,410

 
$
12,311,456

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
188

 
 

 
 

 
 

 
$
3,925

 
 
September 30, 2012
 
 
Fixed
Rate
 
Variable
Rate
 
Non-accrual
 
Total
Commercial
 
$
3,889,382

 
$
3,355,763

 
$
21,762

 
$
7,266,907

Commercial real estate
 
880,535

 
1,220,976

 
75,761

 
2,177,272

Residential mortgage
 
1,728,220

 
258,816

 
29,267

 
2,016,303

Consumer
 
181,614

 
185,162

 
5,109

 
371,885

Total
 
$
6,679,751

 
$
5,020,717

 
$
131,899

 
$
11,832,367

Accruing loans past due (90 days)1
 
 

 
 

 
 

 
$
1,181

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 September 30, 2013 is summarized as follows (in thousands):
 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
64,044

 
$
49,687

 
$
39,206

 
$
7,738

 
$
42,449

 
$
203,124

Provision for loan losses
 
(1,774
)
 
(6,279
)
 
(136
)
 
1,256

 
(1,567
)
 
(8,500
)
Loans charged off
 
(1,354
)
 
(419
)
 
(961
)
 
(1,974
)
 
—

 
(4,708
)
Recoveries
 
864

 
2,073

 
188

 
1,284

 
—

 
4,409

Ending balance
 
$
61,780

 
$
45,062

 
$
38,297

 
$
8,304

 
$
40,882

 
$
194,325

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
402

 
$
1,178

 
$
6

 
$
18

 
$
—

 
$
1,604

Provision for off-balance sheet credit losses
 
(228
)
 
202

 
42

 
(16
)
 
—

 
—

Ending balance
 
$
174

 
$
1,380

 
$
48

 
$
2

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(2,002
)
 
$
(6,077
)
 
$
(94
)
 
$
1,240

 
$
(1,567
)
 
$
(8,500
)

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 nine months ended September 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
 
(3,507
)
 
(10,077
)
 
187

 
513

 
(3,305
)
 
(16,189
)
Loans charged off
 
(6,190
)
 
(5,669
)
 
(4,797
)
 
(5,513
)
 
—

 
(22,169
)
Recoveries
 
6,197

 
5,924

 
1,204

 
3,851

 
—

 
17,176

Ending balance
 
$
61,780

 
$
45,062

 
$
38,297

 
$
8,304

 
$
40,882

 
$
194,325

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
475

 
$
1,353

 
$
78

 
$
9

 
$
—

 
$
1,915

Provision for off-balance sheet credit losses
 
(301
)
 
27

 
(30
)
 
(7
)
 
—

 
(311
)
Ending balance
 
$
174

 
$
1,380

 
$
48

 
$
2

 
$
—

 
$
1,604

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(3,808
)
 
$
(10,050
)
 
$
157

 
$
506

 
$
(3,305
)
 
$
(16,500
)

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 September 30, 2012 is summarized as follows (in thousands):

 
 
Commercial
 
Commercial Real Estate
 
Residential Mortgage
 
Consumer
 
Nonspecific Allowance
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
83,477

 
$
55,806

 
$
42,688

 
$
8,840

 
$
40,858

 
$
231,669

Provision for loan losses
 
4

 
4,821

 
(370
)
 
3,293

 
56

 
7,804

Loans charged off
 
(812
)
 
(2,607
)
 
(1,600
)
 
(3,902
)
 
—

 
(8,921
)
Recoveries
 
(890
)
1 
2,684

 
298

 
1,112

 
—

 
3,204

Ending balance
 
$
81,779

 
$
60,704

 
$
41,016

 
$
9,343

 
$
40,914

 
$
233,756

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
8,224

 
$
1,425

 
$
80

 
$
18

 
$
—

 
$
9,747

Provision for off-balance sheet credit losses
 
(7,823
)
 
18

 
(4
)
 
5

 
—

 
(7,804
)
Ending balance
 
$
401

 
$
1,443

 
$
76

 
$
23

 
$
—

 
$
1,943

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(7,819
)
 
$
4,839

 
$
(374
)
 
$
3,298

 
$
56

 
$
—

1 
Includes $7.1 million of negative recovery related to a refund of a settlement between BOK Financial and the City of Tulsa by the Oklahoma Supreme Court. Excluding this refund, BOK Financial had net charge-offs (recoveries) to average loans of (0.05%) on an annualized basis.

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 nine months ended September 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
 
995

 
(322
)
 
528

 
3,553

 
(5,436
)
 
(682
)
Loans charged off
 
(7,840
)
 
(10,548
)
 
(7,447
)
 
(8,303
)
 
—

 
(34,138
)
Recoveries
 
5,181

1 
4,540

 
1,459

 
3,915

 
—

 
15,095

Ending balance
 
$
81,779

 
$
60,704

 
$
41,016

 
$
9,343

 
$
40,914

 
$
233,756

Allowance for off-balance sheet credit losses:
 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
 
$
7,906

 
$
1,250

 
$
91

 
$
14

 
$
—

 
$
9,261

Provision for off-balance sheet credit losses
 
(7,505
)
 
193

 
(15
)
 
9

 
—

 
(7,318
)
Ending balance
 
$
401

 
$
1,443

 
$
76

 
$
23

 
$
—

 
$
1,943

 
 
 
 
 
 
 
 
 
 
 
 
 
Total provision for credit losses
 
$
(6,510
)
 
$
(129
)
 
$
513

 
$
3,562

 
$
(5,436
)
 
$
(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 September 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
 
$
7,551,553

 
$
61,208

 
$
19,522

 
$
572

 
$
7,571,075

 
$
61,780

Commercial real estate
 
2,296,727

 
44,574

 
52,502

 
488

 
2,349,229

 
45,062

Residential mortgage
 
1,996,086

 
38,083

 
38,679

 
214

 
2,034,765

 
38,297

Consumer
 
393,407

 
8,304

 
1,624

 
—

 
395,031

 
8,304

Total
 
12,237,773

 
152,169

 
112,327

 
1,274

 
12,350,100

 
153,443

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,237,773

 
$
152,169

 
$
112,327

 
$
1,274

 
$
12,350,100

 
$
194,325



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
 
1,998,921

 
40,934

 
46,119

 
769

 
2,045,040

 
41,703

Consumer
 
392,796

 
9,328

 
2,709

 
125

 
395,505

 
9,453

Total
 
12,177,535

 
167,087

 
133,921

 
4,233

 
12,311,456

 
171,320

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
44,187

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,177,535

 
$
167,087

 
$
133,921

 
$
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 September 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
 
$
7,245,145

 
$
81,575

 
$
21,762

 
$
204

 
$
7,266,907

 
$
81,779

Commercial real estate
 
2,101,511

 
57,587

 
75,761

 
3,117

 
2,177,272

 
60,704

Residential mortgage
 
1,987,546

 
40,799

 
28,757

 
217

 
2,016,303

 
41,016

Consumer
 
366,776

 
9,214

 
5,109

 
129

 
371,885

 
9,343

Total
 
11,700,978

 
189,175

 
131,389

 
3,667

 
11,832,367

 
192,842

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,914

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,700,978

 
$
189,175

 
$
131,389

 
$
3,667

 
$
11,832,367

 
$
233,756
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 September 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
 
$
7,553,151

 
$
60,570

 
$
17,924

 
$
1,210

 
$
7,571,075

 
$
61,780

Commercial real estate
 
2,349,229

 
45,062

 
—

 
—

 
2,349,229

 
45,062

Residential mortgage
 
236,399

 
3,764

 
1,798,366

 
34,533

 
2,034,765

 
38,297

Consumer
 
268,690

 
2,797

 
126,341

 
5,507

 
395,031

 
8,304

Total
 
10,407,469

 
112,193

 
1,942,631

 
41,250

 
12,350,100

 
153,443

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,882

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,407,469

 
$
112,193

 
$
1,942,631

 
$
41,250

 
$
12,350,100

 
$
194,325

 
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 September 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
 
$
7,249,429

 
$
80,676

 
$
17,478

 
$
1,103

 
$
7,266,907

 
$
81,779

Commercial real estate
 
2,177,235

 
60,704

 
37

 
—

 
2,177,272

 
60,704

Residential mortgage
 
275,490

 
6,416

 
1,740,813

 
34,600

 
2,016,303

 
41,016

Consumer
 
202,897

 
2,711

 
168,988

 
6,632

 
371,885

 
9,343

Total
 
9,905,051

 
150,507

 
1,927,316

 
42,335

 
11,832,367

 
192,842

 
 
 
 
 
 
 
 
 
 
 
 
 
Nonspecific allowance
 
—

 
—

 
—

 
—

 
—

 
40,914

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
9,905,051

 
$
150,507

 
$
1,927,316

 
$
42,335

 
$
11,832,367

 
$
233,756
Schedule of Credit Quality Indicators [Table Text Block]
The following table summarizes the Company’s loan portfolio at September 30, 2013 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,305,225

 
$
4,813

 
$
1,953

 
$
—

 
$
—

 
$
2,311,991

Services
 
2,130,169

 
11,455

 
6,927

 
—

 
—

 
2,148,551

Wholesale/retail
 
1,171,923

 
2,660

 
7,223

 
—

 
—

 
1,181,806

Manufacturing
 
378,723

 
2,894

 
843

 
—

 
—

 
382,460

Healthcare
 
1,158,436

 
43

 
1,733

 
—

 
—

 
1,160,212

Integrated food services
 
136,650

 
4,790

 
—

 
—

 
—

 
141,440

Other commercial and industrial
 
225,895

 
—

 
796

 
17,877

 
47

 
244,615

Total commercial
 
7,507,021

 
26,655

 
19,475

 
17,877

 
47

 
7,571,075

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
178,278

 
17,394

 
20,784

 
—

 
—

 
216,456

Retail
 
548,197

 
807

 
7,914

 
—

 
—

 
556,918

Office
 
413,083

 
2,122

 
6,838

 
—

 
—

 
422,043

Multifamily
 
504,548

 
11,556

 
4,350

 
—

 
—

 
520,454

Industrial
 
244,768

 
254

 
—

 
—

 
—

 
245,022

Other commercial real estate
 
365,051

 
10,669

 
12,616

 
—

 
—

 
388,336

Total commercial real estate
 
2,253,925

 
42,802

 
52,502

 
—

 
—

 
2,349,229

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
222,630

 
4,633

 
5,441

 
819,601

 
26,356

 
1,078,661

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
163,342

 
577

 
163,919

Home equity
 
3,695

 
—

 
—

 
781,608

 
6,882

 
792,185

Total residential mortgage
 
226,325

 
4,633

 
5,441

 
1,764,551

 
33,815

 
2,034,765

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
9,800

 
957

 
10,757

Other consumer
 
267,564

 
846

 
280

 
115,197

 
387

 
384,274

Total consumer
 
267,564

 
846

 
280

 
124,997

 
1,344

 
395,031

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
10,254,835

 
$
74,936

 
$
77,698

 
$
1,907,425

 
$
35,206

 
$
12,350,100


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 September 30, 2012 by the risk grade categories (in thousands): 
 
 
Internally Risk Graded
 
Non-Graded
 
 
 
 
Performing
 
Potential Problem
 
Nonaccrual
 
Performing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,403,364

 
$
10,450

 
$
3,063

 
$
—

 
$
—

 
$
2,416,877

Services
 
1,923,017

 
34,452

 
10,099

 
—

 
—

 
1,967,568

Wholesale/retail
 
1,053,813

 
4,241

 
2,007

 
—

 
—

 
1,060,061

Manufacturing
 
330,608

 
10,469

 
2,283

 
—

 
—

 
343,360

Healthcare
 
1,019,362

 
184

 
3,305

 
—

 
—

 
1,022,851

Integrated food services
 
199,769

 
684

 
—

 
—

 
—

 
200,453

Other commercial and industrial
 
231,890

 
5,437

 
932

 
17,405

 
73

 
255,737

Total commercial
 
7,161,823

 
65,917

 
21,689

 
17,405

 
73

 
7,266,907

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
230,022

 
25,568

 
38,143

 
—

 
—

 
293,733

Retail
 
520,568

 
8,196

 
6,692

 
—

 
—

 
535,456

Office
 
391,859

 
12,554

 
9,833

 
—

 
—

 
414,246

Multifamily
 
383,317

 
6,667

 
3,145

 
—

 
—

 
393,129

Industrial
 
175,339

 
4,443

 
4,064

 
—

 
—

 
183,846

Other commercial real estate
 
329,659

 
13,319

 
13,847

 
—

 
37

 
356,862

Total commercial real estate
 
2,030,764

 
70,747

 
75,724

 
—

 
37

 
2,177,272

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
253,859

 
11,776

 
9,855

 
850,118

 
13,352

 
1,138,960

Permanent mortgages guaranteed by U.S. government agencies
 
—

 
—

 
—

 
161,761

 
510

 
162,271

Home equity
 
—

 
—

 
—

 
709,522

 
5,550

 
715,072

Total residential mortgage
 
253,859

 
11,776

 
9,855

 
1,721,401

 
19,412

 
2,016,303

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
45,349

 
1,932

 
47,281

Other consumer
 
198,419

 
1,663

 
2,815

 
121,345

 
362

 
324,604

Total consumer
 
198,419

 
1,663

 
2,815

 
166,694

 
2,294

 
371,885

 
 
 
 
 
 
 
 
 
 
 
 
 
Total
 
$
9,644,865

 
$
150,103

 
$
110,083

 
$
1,905,500

 
$
21,816

 
$
11,832,367
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
 
September 30, 2013
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2013
 
September 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
$
1,954

 
$
1,953

 
$
1,953

 
$
—

 
$
—

 
$
2,115

 
$
—

 
$
2,207

 
$
—

Services
9,105

 
6,927

 
5,789

 
1,138

 
515

 
7,188

 
—

 
9,509

 
—

Wholesale/retail
11,262

 
7,223

 
7,188

 
35

 
9

 
6,962

 
—

 
5,150

 
—

Manufacturing
1,051

 
843

 
843

 
—

 
—

 
860

 
—

 
1,425

 
—

Healthcare
2,340

 
1,733

 
1,685

 
48

 
48

 
2,202

 
—

 
2,450

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
342

 
—

Other commercial and industrial
8,535

 
843

 
843

 
—

 
—

 
871

 
—

 
913

 
—

Total commercial
34,247

 
19,522

 
18,301

 
1,221

 
572

 
20,198

 
—

 
21,996

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
24,219

 
20,784

 
20,395

 
389

 
148

 
20,960

 
—

 
23,458

 
—

Retail
9,380

 
7,914

 
7,914

 
—

 
—

 
8,160

 
—

 
8,016

 
—

Office
8,254

 
6,838

 
6,830

 
8

 
8

 
7,333

 
—

 
6,834

 
—

Multifamily
4,351

 
4,350

 
4,350

 
—

 
—

 
5,399

 
—

 
3,528

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
1,984

 
—

Other real estate loans
14,868

 
12,616

 
12,020

 
596

 
332

 
13,747

 
—

 
12,746

 
—

Total commercial real estate
61,072

 
52,502

 
51,509

 
993

 
488

 
55,599

 
—

 
56,566

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
39,648

 
31,797

 
31,527

 
270

 
214

 
32,272

 
539

 
35,829

 
1,142

Permanent mortgage guaranteed by U.S. government agencies1
171,935

 
163,919

 
163,919

 
—

 
—

 
162,497

 
1,722

 
162,337

 
5,130

Home equity
7,091

 
6,882

 
6,882

 
—

 
—

 
7,293

 
—

 
6,569

 
—

Total residential mortgage
218,674

 
202,598

 
202,328

 
270

 
214

 
202,062

 
2,261

 
204,735

 
6,272

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
960

 
957

 
957

 
—

 
—

 
1,073

 
—

 
1,268

 
—

Other consumer
677

 
667

 
667

 
—

 
—

 
758

 
—

 
899

 
—

Total consumer
1,637

 
1,624

 
1,624

 
—

 
—

 
1,831

 
—

 
2,167

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
315,630

 
$
276,246

 
$
273,762

 
$
2,484

 
$
1,274

 
$
279,690

 
$
2,261

 
$
285,464

 
$
6,272

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 September 30, 2013, $577 thousand of these loans were nonaccruing and $163 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 September 30, 2012 follows (in thousands): 
 
As of
 
For the
 
For the
 
As of September 30, 2012
 
Three Months Ended
 
Nine Months Ended
 
 
 
Recorded Investment
 
 
 
September 30, 2012
 
September 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
$
3,273

 
$
3,063

 
$
3,063

 
$
—

 
$
—

 
$
3,075

 
$
—

 
$
1,700

 
$
—

Services
13,135

 
10,099

 
9,978

 
121

 
120

 
10,111

 
—

 
13,534

 
—

Wholesale/retail
8,039

 
2,007

 
1,937

 
70

 
18

 
3,091

 
—

 
11,594

 
—

Manufacturing
6,548

 
2,283

 
2,283

 
—

 
—

 
7,257

 
—

 
12,667

 
—

Healthcare
4,395

 
3,305

 
2,159

 
1,146

 
66

 
3,308

 
—

 
4,396

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
8,504

 
1,005

 
1,005

 
—

 
—

 
1,305

 
—

 
1,398

 
—

Total commercial
43,894

 
21,762

 
20,425

 
1,337

 
204

 
28,147

 
—

 
45,289

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Construction and land development
67,087

 
38,143

 
37,579

 
564

 
155

 
42,097

 
—

 
50,009

 
—

Retail
8,372

 
6,692

 
6,692

 
—

 
—

 
7,300

 
—

 
6,778

 
—

Office
13,736

 
9,833

 
9,608

 
225

 
21

 
10,211

 
—

 
10,645

 
—

Multifamily
3,259

 
3,145

 
3,145

 
—

 
—

 
3,182

 
—

 
3,329

 
—

Industrial
4,064

 
4,064

 
—

 
4,064

 
2,290

 
2,032

 
—

 
2,032

 
—

Other real estate loans
16,473

 
13,884

 
11,454

 
2,430

 
651

 
13,166

 
—

 
14,685

 
—

Total commercial real estate
112,991

 
75,761

 
68,478

 
7,283

 
3,117

 
77,988

 
—

 
87,478

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Permanent mortgage
31,068

 
23,207

 
22,906

 
301

 
217

 
20,672

 
398

 
24,287

 
1,193

Permanent mortgage guaranteed by U.S. government agencies1
169,622

 
162,271

 
162,271

 
—

 
—

 
163,863

 
1,680

 
178,542

 
5,039

Home equity
5,550

 
5,550

 
5,550

 
—

 
—

 
5,071

 
—

 
4,976

 
—

Total residential mortgage
206,240

 
191,028

 
190,727

 
301

 
217

 
189,606

 
2,078

 
207,805

 
6,232

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
 

Indirect automobile
1,932

 
1,932

 
1,932

 
—

 
—

 
2,095

 
—

 
2,063

 
—

Other consumer
5,219

 
3,177

 
3,048

 
129

 
129

 
3,967

 
—

 
2,249

 
—

Total consumer
7,151

 
5,109

 
4,980

 
129

 
129

 
6,062

 
—

 
4,312

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
370,276

 
$
293,660

 
$
284,610

 
$
9,050

 
$
3,667

 
$
301,803

 
$
2,078

 
$
344,884

 
$
6,232


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 September 30, 2012, $510 thousand of these loans were nonaccruing and $162 million 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 September 30, 2013 were as follows (in thousands):

 
 
As of September 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 September 30, 2013
 
Nine Months Ended
Sept. 30, 2013
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
3,791

 
1,274

 
2,517

 
250

 
—

 
—

Wholesale/retail
 
275

 
141

 
134

 
9

 
—

 
—

Manufacturing
 
396

 
—

 
396

 
—

 
154

 
154

Healthcare
 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
772

 
30

 
742

 
—

 
—

 
—

Total commercial
 
5,234

 
1,445

 
3,789

 
259

 
154

 
154

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
10,673

 
1,776

 
8,897

 
148

 
—

 
54

Retail
 
6,030

 
2,032

 
3,998

 
—

 
—

 
627

Office
 
5,448

 
1,294

 
4,154

 
—

 
—

 
77

Multifamily
 
980

 
980

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
8,482

 
6,874

 
1,608

 
—

 
—

 
—

Total commercial real estate
 
31,613

 
12,956

 
18,657

 
148

 
—

 
758

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
17,319

 
9,579

 
7,740

 
13

 
73

 
450

Home equity
 
3,782

 
3,219

 
563

 
—

 
61

 
127

Total residential mortgage
 
21,101

 
12,798

 
8,303

 
13

 
134

 
577

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
817

 
737

 
80

 
—

 
—

 
1

Other consumer
 
471

 
287

 
184

 
—

 
2

 
2

Total consumer
 
1,288

 
1,024

 
264

 
—

 
2

 
3

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
59,236

 
$
28,223

 
$
31,013

 
$
420

 
$
290

 
$
1,492

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of September 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 September 30, 2013
 
Nine Months Ended
Sept. 30, 2013
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
—

 
—

 
—

 
—

 
—

 
—

Permanent mortgages guaranteed by U.S. government agencies
 
50,099

 
11,975

 
38,124

 
—

 
—

 
—

Total residential mortgage
 
50,099

 
11,975

 
38,124

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total accruing TDRs
 
50,099

 
11,975

 
38,124

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
109,335

 
$
40,198

 
$
69,137

 
$
420

 
$
290

 
$
1,492


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 September 30, 2012 were as follows (in thousands):
 
 
As of September 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 Sept. 30, 2012
 
Nine Months Ended
Sept. 30, 2012
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
Energy
 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
 
2,594

 
2,109

 
485

 
—

 
—

 
—

Wholesale/retail
 
1,557

 
1,385

 
172

 
18

 
—

 
—

Manufacturing
 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
 
72

 
72

 
—

 
—

 
—

 
—

Integrated food services
 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
 
678

 
—

 
678

 
—

 
—

 
—

Total commercial
 
4,901

 
3,566

 
1,335

 
18

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

 
 

Construction and land development
 
18,406

 
9,842

 
8,564

 
76

 
982

 
3,252

Retail
 
3,448

 
3,448

 
—

 
—

 
150

 
150

Office
 
3,376

 
1,368

 
2,008

 
—

 
—

 
269

Multifamily
 
—

 
—

 
—

 
—

 
—

 
—

Industrial
 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
 
5,310

 
3,574

 
1,736

 
55

 
87

 
2,269

Total commercial real estate
 
30,540

 
18,232

 
12,308

 
131

 
1,219

 
5,940

 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
6,925

 
4,245

 
2,680

 
54

 
—

 
24

Home equity
 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
 
6,925

 
4,245

 
2,680

 
54

 
—

 
24

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
 
2,213

 
443

 
1,770

 
88

 
1,345

 
1,345

Total consumer
 
2,213

 
443

 
1,770

 
88

 
1,345

 
1,345

 
 
 
 
 
 
 
 
 
 
 
 
 
Total nonaccruing TDRs
 
$
44,579

 
$
26,486

 
$
18,093

 
$
291

 
$
2,564

 
$
7,309

 
 
As of September 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 Sept. 30, 2012
 
Nine Months Ended
Sept. 30, 2012
Nonaccruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Accruing TDRs:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
 
3,402

 
2,225

 
1,177

 
—

 
—

 
83

Permanent mortgages guaranteed by U.S. government agencies
 
24,590

 
7,684

 
16,906

 
—

 
—

 
—

Total residential mortgage
 
27,992

 
9,909

 
18,083

 
—

 
—

 
83

 
 
 
 
 
 
 
 
 
 
 
 
 
Total accruing TDRs
 
27,992

 
9,909

 
18,083

 
—

 
—

 
83

 
 
 
 
 
 
 
 
 
 
 
 
 
Total TDRs
 
$
72,571

 
$
36,395

 
$
36,176

 
$
291

 
$
2,564

 
$
7,392

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 September 30, 2013 by class that were restructured during the three and nine months ended September 30, 2013 by primary type of concession (in thousands):

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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
610

 
228

 
—

 
838

 
838

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
610

 
624

 
—

 
1,234

 
1,234

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 

 

Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
498

 
—

 
498

 
498

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
498

 
—

 
498

 
498

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
—

 
222

 
222

 
222

Permanent mortgage guaranteed by U.S. government agencies
1,971

 
2,892

 
4,863

 
—

 
—

 
—

 
—

 
4,863

Home equity
—

 
—

 
—

 
—

 
—

 
515

 
515

 
515

Total residential mortgage
1,971

 
2,892

 
4,863

 
—

 
—

 
737

 
737

 
5,600

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
58

 
58

 
58

Other consumer
—

 
—

 
—

 
—

 
—

 
58

 
58

 
58

Total consumer
—

 
—

 
—

 
—

 
—

 
116

 
116

 
116

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
1,971

 
$
2,892

 
$
4,863

 
$
610

 
$
1,122

 
$
853

 
$
2,585

 
$
7,448


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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
610

 
1,351

 
—

 
1,961

 
1,961

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
145

 
—

 
—

 
145

 
145

Total commercial
—

 
—

 
—

 
755

 
1,747

 
—

 
2,502

 
2,502

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Retail
—

 
—

 
—

 
—

 
1,110

 
—

 
1,110

 
1,110

Office
—

 
—

 
—

 
—

 
3,173

 
—

 
3,173

 
3,173

Multifamily
—

 
—

 
—

 
—

 
980

 
—

 
980

 
980

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,870

 
—

 
3,870

 
3,870

Total commercial real estate
—

 
—

 
—

 
—

 
9,133

 
—

 
9,133

 
9,133

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
132

 
864

 
996

 
996

Permanent mortgage guaranteed by U.S. government agencies
9,817

 
9,589

 
19,406

 
—

 
—

 
—

 
—

 
19,406

Home equity
—

 
—

 
—

 
—

 
—

 
2,490

 
2,490

 
2,490

Total residential mortgage
9,817

 
9,589

 
19,406

 
—

 
132

 
3,354

 
3,486

 
22,892

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
633

 
633

 
633

Other consumer
—

 
—

 
—

 
81

 
—

 
130

 
211

 
211

Total consumer
—

 
—

 
—

 
81

 
—

 
763

 
844

 
844

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
9,817

 
$
9,589

 
$
19,406

 
$
836

 
$
11,012

 
$
4,117

 
$
15,965

 
$
35,371


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 nine months ended September 30, 2012 by primary type of concession (in thousands):

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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
875

 
—

 
—

 
875

 
875

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
875

 
—

 
—

 
875

 
875

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
6,598

 
—

 
6,598

 
6,598

Retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Office
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
—

 
—

 
—

 
6,598

 
—

 
6,598

 
6,598

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Permanent mortgage guaranteed by U.S. government agencies
—

 
961

 
961

 
—

 
—

 
—

 
—

 
961

Home equity
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
—

 
961

 
961

 
—

 
—

 
—

 
—

 
961

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
—

 
—

 
87

 
—

 
—

 
87

 
87

Total consumer
—

 
—

 
—

 
87

 
—

 
—

 
87

 
87

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
—

 
$
961

 
$
961

 
$
962

 
$
6,598

 
$
—

 
$
7,560

 
$
8,521


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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
—

 
—

 
875

 
70

 
—

 
945

 
945

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
72

 
72

 
72

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
—

 
—

 
875

 
70

 
72

 
1,017

 
1,017

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
1,280

 
6,598

 
—

 
7,878

 
7,878

Retail
—

 
—

 
—

 
2,398

 
—

 
—

 
2,398

 
2,398

Office
—

 
—

 
—

 
1,368

 
—

 
—

 
1,368

 
1,368

Multifamily
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
1,605

 
—

 
1,605

 
1,605

Total commercial real estate
—

 
—

 
—

 
5,046

 
8,203

 
—

 
13,249

 
13,249

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
151

 
151

 
—

 
—

 
781

 
781

 
932

Permanent mortgage guaranteed by U.S. government agencies
—

 
4,465

 
4,465

 
—

 
—

 
—

 
—

 
4,465

Home equity
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
—

 
4,616

 
4,616

 
—

 
—

 
781

 
781

 
5,397

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
—

 
—

 
452

 
—

 
1,630

 
2,082

 
2,082

Total consumer
—

 
—

 
—

 
452

 
—

 
1,630

 
2,082

 
2,082

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total
$
—

 
$
4,616

 
$
4,616

 
$
6,373

 
$
8,273

 
$
2,483

 
$
17,129

 
$
21,745


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

 
Three Months Ended
Sept. 30, 2013
 
Nine Months Ended
Sept. 30, 2013
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
1,338

 
1,338

 
—

 
1,948

 
1,948

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
396

 
396

 
—

 
396

 
396

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
145

 
145

 
—

 
168

 
168

Total commercial
—

 
1,879

 
1,879

 
—

 
2,512

 
2,512

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
257

 
257

 
—

 
257

 
257

Retail
—

 
1,110

 
1,110

 
—

 
1,110

 
1,110

Office
—

 
3,173

 
3,173

 
—

 
3,173

 
3,173

Multifamily
—

 
—

 
—

 
—

 
980

 
980

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
3,870

 
3,870

Total commercial real estate
—

 
4,540

 
4,540

 
—

 
9,390

 
9,390

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
—

 
820

 
820

 
—

 
941

 
941

Permanent mortgage guaranteed by U.S. government agencies
22,359

 
—

 
22,359

 
26,636

 
—

 
26,636

Home equity
—

 
563

 
563

 
—

 
630

 
630

Total residential mortgage
22,359

 
1,383

 
23,742

 
26,636

 
1,571

 
28,207

 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
81

 
81

 
—

 
116

 
116

Other consumer
—

 
53

 
53

 
—

 
53

 
53

Total consumer
—

 
134

 
134

 
—

 
169

 
169

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
22,359

 
$
7,936

 
$
30,295

 
$
26,636

 
$
13,642

 
$
40,278


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 September 30, 2012 of loans modified as TDRs within the previous 12 months and for which there was a payment default during the three and nine months ended September 30, 2012 (in thousands):
 
Three Months Ended
Sept. 30, 2012
 
Nine Months Ended
Sept. 30, 2012
 
Accruing
 
Nonaccrual
 
Total
 
Accruing
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Energy
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Services
—

 
70

 
70

 
—

 
70

 
70

Wholesale/retail
—

 
—

 
—

 
—

 
—

 
—

Manufacturing
—

 
—

 
—

 
—

 
—

 
—

Healthcare
—

 
—

 
—

 
—

 
—

 
—

Integrated food services
—

 
—

 
—

 
—

 
—

 
—

Other commercial and industrial
—

 
—

 
—

 
—

 
—

 
—

Total commercial
—

 
70

 
70

 
—

 
70

 
70

 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
1,183

 
1,183

 
—

 
1,183

 
1,183

Retail
—

 
—

 
—

 
—

 
2,398

 
2,398

Office
—

 
—

 
—

 
—

 
1,368

 
1,368

Multifamily
—

 
—

 
—

 
—

 
—

 
—

Industrial
—

 
—

 
—

 
—

 
—

 
—

Other real estate loans
—

 
—

 
—

 
—

 
—

 
—

Total commercial real estate
—

 
1,183

 
1,183

 
—

 
4,949

 
4,949

 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
Permanent mortgage
151

 
—

 
151

 
151

 
—

 
151

Permanent mortgage guaranteed by U.S. government agencies
3,946

 
—

 
3,946

 
4,635

 
—

 
4,635

Home equity
—

 
—

 
—

 
—

 
—

 
—

Total residential mortgage
4,097

 
—

 
4,097

 
4,786

 
—

 
4,786

 
 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 
 
 
 
 
 
 
 
 
 
Indirect automobile
—

 
—

 
—

 
—

 
—

 
—

Other consumer
—

 
1,770

 
1,770

 
—

 
1,770

 
1,770

Total consumer
—

 
1,770

 
1,770

 
—

 
1,770

 
1,770

 
 
 
 
 
 
 
 
 
 
 
 
Total
$
4,097

 
$
3,023

 
$
7,120

 
$
4,786

 
$
6,789

 
$
11,575
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 September 30, 2013 is as follows (in thousands):
 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,308,639

 
$
1,399

 
$
—

 
$
1,953

 
$
2,311,991

Services
 
2,140,835

 
704

 
85

 
6,927

 
2,148,551

Wholesale/retail
 
1,173,628

 
955

 
—

 
7,223

 
1,181,806

Manufacturing
 
381,048

 
569

 
—

 
843

 
382,460

Healthcare
 
1,158,340

 
139

 
—

 
1,733

 
1,160,212

Integrated food services
 
141,440

 
—

 
—

 
—

 
141,440

Other commercial and industrial
 
243,656

 
116

 
—

 
843

 
244,615

Total commercial
 
7,547,586

 
3,882

 
85

 
19,522

 
7,571,075

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
195,672

 
—

 
—

 
20,784

 
216,456

Retail
 
548,810

 
194

 
—

 
7,914

 
556,918

Office
 
415,205

 
—

 
—

 
6,838

 
422,043

Multifamily
 
516,104

 
—

 
—

 
4,350

 
520,454

Industrial
 
244,415

 
607

 
—

 
—

 
245,022

Other real estate loans
 
375,250

 
470

 
—

 
12,616

 
388,336

Total commercial real estate
 
2,295,456

 
1,271

 
—

 
52,502

 
2,349,229

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,040,616

 
6,248

 
—

 
31,797

 
1,078,661

Permanent mortgages guaranteed by U.S. government agencies
 
20,985

 
18,639

 
123,718

 
577

 
163,919

Home equity
 
782,954

 
2,321

 
28

 
6,882

 
792,185

Total residential mortgage
 
1,844,555

 
27,208

 
123,746

 
39,256

 
2,034,765

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
9,416

 
384

 
—

 
957

 
10,757

Other consumer
 
382,188

 
1,344

 
75

 
667

 
384,274

Total consumer
 
391,604

 
1,728

 
75

 
1,624

 
395,031

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
12,079,201

 
$
34,089

 
$
123,906

 
$
112,904

 
$
12,350,100


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 September 30, 2012 is as follows (in thousands):

 
 
 
 
Past Due
 
 
 
 
 
 
Current
 
30 to 89
Days
 
90 Days
or More
 
Nonaccrual
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
Energy
 
$
2,408,812

 
$
5,002

 
$
—

 
$
3,063

 
$
2,416,877

Services
 
1,956,190

 
741

 
538

 
10,099

 
1,967,568

Wholesale/retail
 
1,056,730

 
1,324

 
—

 
2,007

 
1,060,061

Manufacturing
 
340,243

 
834

 
—

 
2,283

 
343,360

Healthcare
 
1,014,771

 
4,775

 
—

 
3,305

 
1,022,851

Integrated food services
 
200,453

 
—

 
—

 
—

 
200,453

Other commercial and industrial
 
254,167

 
240

 
325

 
1,005

 
255,737

Total commercial
 
7,231,366

 
12,916

 
863

 
21,762

 
7,266,907

 
 
 
 
 
 
 
 
 
 
 
Commercial real estate:
 
 

 
 

 
 

 
 

 
 

Construction and land development
 
245,258

 
10,297

 
35

 
38,143

 
293,733

Retail
 
528,396

 
368

 
—

 
6,692

 
535,456

Office
 
403,223

 
1,190

 
—

 
9,833

 
414,246

Multifamily
 
389,949

 
35

 
—

 
3,145

 
393,129

Industrial
 
177,951

 
1,831

 
—

 
4,064

 
183,846

Other real estate loans
 
340,586

 
2,391

 
1

 
13,884

 
356,862

Total commercial real estate
 
2,085,363

 
16,112

 
36

 
75,761

 
2,177,272

 
 
 
 
 
 
 
 
 
 
 
Residential mortgage:
 
 

 
 

 
 

 
 

 
 

Permanent mortgage
 
1,097,550

 
17,953

 
250

 
23,207

 
1,138,960

Permanent mortgages guaranteed by U.S. government agencies
 
19,786

 
16,629

 
125,346

 
510

 
162,271

Home equity
 
706,561

 
2,961

 
—

 
5,550

 
715,072

Total residential mortgage
 
1,823,897

 
37,543

 
125,596

 
29,267

 
2,016,303

 
 
 
 
 
 
 
 
 
 
 
Consumer:
 
 

 
 

 
 

 
 

 
 

Indirect automobile
 
43,588

 
1,729

 
32

 
1,932

 
47,281

Other consumer
 
319,549

 
1,878

 
—

 
3,177

 
324,604

Total consumer
 
363,137

 
3,607

 
32

 
5,109

 
371,885

 
 
 
 
 
 
 
 
 
 
 
Total
 
$
11,503,763

 
$
70,178

 
$
126,527

 
$
131,899

 
$
11,832,367