Loans and Allowances for Credit Losses (Tables)
|
12 Months Ended |
Dec. 31, 2013
|
Loans Receivable, Net [Abstract] |
|
Schedule of the Loans by Portfolio Segment [Table Text Block] |
The portfolio segments of the loan portfolio are as follows (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2013 | | December 31, 2012 | | | Fixed Rate | | Variable Rate | | Non-accrual | | Total | | Fixed Rate | | Variable Rate | | Non-accrual | | Total | Commercial | | $ | 1,637,620 |
| | $ | 6,288,841 |
| | $ | 16,760 |
| | $ | 7,943,221 |
| | $ | 2,955,779 |
| | $ | 4,661,666 |
| | $ | 24,467 |
| | $ | 7,641,912 |
| Commercial real estate | | 770,908 |
| | 1,603,595 |
| | 40,850 |
| | 2,415,353 |
| | 779,114 |
| | 1,389,259 |
| | 60,626 |
| | 2,228,999 |
| Residential mortgage | | 1,783,615 |
| | 226,092 |
| | 42,319 |
| | 2,052,026 |
| | 1,747,038 |
| | 251,394 |
| | 46,608 |
| | 2,045,040 |
| Consumer | | 135,494 |
| | 244,950 |
| | 1,220 |
| | 381,664 |
| | 175,412 |
| | 217,384 |
| | 2,709 |
| | 395,505 |
| Total | | $ | 4,327,637 |
| | $ | 8,363,478 |
| | $ | 101,149 |
| | $ | 12,792,264 |
| | $ | 5,657,343 |
| | $ | 6,519,703 |
| | $ | 134,410 |
| | $ | 12,311,456 |
| Accruing loans past due (90 days)1 | | |
| | |
| | |
| | $ | 1,415 |
| | |
| | |
| | |
| | $ | 3,925 |
| Foregone interest on nonaccrual loans | | | | | | | | $ | 5,361 |
| | | | | | | | $ | 8,587 |
|
| | 1 | Excludes residential mortgage loans guaranteed by agencies of the U.S. government |
|
Rollforward of Allowance For Loan Losses And Accrual for Off-Balnace Sheet Credit Losses [Table Text Block] |
The activity in the allowance for loan losses and the accrual for off-balance sheet credit risk related to loan commitments and standby letters of credit for the year ended December 31, 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 | | 12,747 |
| | (16,886 | ) | | (8,043 | ) | | 83 |
| | (15,974 | ) | | (28,073 | ) | Loans charged off | | (6,335 | ) | | (5,845 | ) | | (5,753 | ) | | (7,349 | ) | | — |
| | (25,282 | ) | Recoveries | | 7,488 |
| | 9,420 |
| | 1,558 |
| | 4,778 |
| | — |
| | 23,244 |
| Ending balance | | $ | 79,180 |
| | $ | 41,573 |
| | $ | 29,465 |
| | $ | 6,965 |
| | $ | 28,213 |
| | $ | 185,396 |
| | | | | | | | | | | | | | Accrual for off-balance sheet credit risk: | | |
| | |
| | |
| | |
| | |
| | |
| Beginning balance | | $ | 475 |
| | $ | 1,353 |
| | $ | 78 |
| | $ | 9 |
| | $ | — |
| | $ | 1,915 |
| Provision for off-balance sheet credit risk | | (356 | ) | | 523 |
| | 12 |
| | (6 | ) | | — |
| | 173 |
| Ending balance | | $ | 119 |
| | $ | 1,876 |
| | $ | 90 |
| | $ | 3 |
| | $ | — |
| | $ | 2,088 |
| | | | | | | | | | | | | | Total provision for credit losses | | $ | 12,391 |
| | $ | (16,363 | ) | | $ | (8,031 | ) | | $ | 77 |
| | $ | (15,974 | ) | | $ | (27,900 | ) |
The activity in the allowance for loan losses and the accrual for off-balance sheet credit risk related to loan commitments and standby letters of credit for the year ended December 31, 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 | | (14,950 | ) | | (6,214 | ) | | 3,346 |
| | 5,327 |
| | (2,163 | ) | | (14,654 | ) | Loans charged off | | (9,341 | ) | | (11,642 | ) | | (10,047 | ) | | (11,108 | ) | | — |
| | (42,138 | ) | Recoveries | | 6,128 |
| 1 | 5,706 |
| | 1,928 |
| | 5,056 |
| | — |
| | 18,818 |
| Ending balance | | $ | 65,280 |
| | $ | 54,884 |
| | $ | 41,703 |
| | $ | 9,453 |
| | $ | 44,187 |
| | $ | 215,507 |
| | | | | | | | | | | | | | Accrual for off-balance sheet credit risk: | | |
| | |
| | |
| | |
| | |
| | |
| Beginning balance | | $ | 7,906 |
| | $ | 1,250 |
| | $ | 91 |
| | $ | 14 |
| | $ | — |
| | $ | 9,261 |
| Provision for off-balance sheet credit risk | | (7,431 | ) | | 103 |
| | (13 | ) | | (5 | ) | | — |
| | (7,346 | ) | Ending balance | | $ | 475 |
| | $ | 1,353 |
| | $ | 78 |
| | $ | 9 |
| | $ | — |
| | $ | 1,915 |
| | | | | | | | | | | | | | Total provision for credit losses | | $ | (22,381 | ) | | $ | (6,111 | ) | | $ | 3,333 |
| | $ | 5,322 |
| | $ | (2,163 | ) | | $ | (22,000 | ) |
| | 1 | Includes $7.1 million of negative recovery related to a refund of a settlement between BOK Financial and the City of Tulsa invalidated by the Oklahoma Supreme Court. |
The activity in the allowance for loan losses and the accrual for off-balance sheet credit risk related to loan commitments and standby letters of credit for the year ended December 31, 2011 is summarized as follows (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial | | Commercial Real Estate | | Residential Mortgage | | Consumer | | Nonspecific allowance | | Total | Allowance for loan losses: | | | | | | | | | | | | | Beginning balance | | $ | 104,631 |
| | $ | 98,709 |
| | $ | 50,281 |
| | $ | 12,614 |
| | $ | 26,736 |
| | $ | 292,971 |
| Provision for loan losses | | (13,830 | ) | | (18,482 | ) | | 7,968 |
| | 3,690 |
| | 19,614 |
| | (1,040 | ) | Loans charged off | | (14,836 | ) | | (15,973 | ) | | (14,107 | ) | | (11,884 | ) | | — |
| | (56,800 | ) | Recoveries | | 7,478 |
| | 2,780 |
| | 2,334 |
| | 5,758 |
| | — |
| | 18,350 |
| Ending balance | | $ | 83,443 |
| | $ | 67,034 |
| | $ | 46,476 |
| | $ | 10,178 |
| | $ | 46,350 |
| | $ | 253,481 |
| | | | | | | | | | | | | | Accrual for off-balance sheet credit risk: | | |
| | |
| | |
| | |
| | |
| | |
| Beginning balance | | $ | 13,456 |
| | $ | 443 |
| | $ | 131 |
| | $ | 241 |
| | $ | — |
| | $ | 14,271 |
| Provision for off-balance sheet credit risk | | (5,550 | ) | | 807 |
| | (40 | ) | | (227 | ) | | — |
| | (5,010 | ) | Ending balance | | $ | 7,906 |
| | $ | 1,250 |
| | $ | 91 |
| | $ | 14 |
| | $ | — |
| | $ | 9,261 |
| | | | | | | | | | | | | | Total provision for credit losses | | $ | (19,380 | ) | | $ | (17,675 | ) | | $ | 7,928 |
| | $ | 3,463 |
| | $ | 19,614 |
| | $ | (6,050 | ) |
|
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 December 31, 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 | | $ | 7,926,461 |
| | $ | 78,607 |
| | $ | 16,760 |
| | $ | 573 |
| | $ | 7,943,221 |
| | $ | 79,180 |
| Commercial real estate | | 2,374,503 |
| | 41,440 |
| | 40,850 |
| | 133 |
| | 2,415,353 |
| | 41,573 |
| Residential mortgage | | 2,010,483 |
| | 29,217 |
| | 41,543 |
| | 248 |
| | 2,052,026 |
| | 29,465 |
| Consumer | | 380,445 |
| | 6,965 |
| | 1,219 |
| | — |
| | 381,664 |
| | 6,965 |
| Total | | 12,691,892 |
| | 156,229 |
| | 100,372 |
| | 954 |
| | 12,792,264 |
| | 157,183 |
| | | | | | | | | | | | | | Nonspecific allowance | | — |
| | — |
| | — |
| | — |
| | — |
| | 28,213 |
| | | | | | | | | | | | | | Total | | $ | 12,691,892 |
| | $ | 156,229 |
| | $ | 100,372 |
| | $ | 954 |
| | $ | 12,792,264 |
| | $ | 185,396 |
|
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 |
|
|
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 December 31, 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 | | $ | 7,888,219 |
| | $ | 78,250 |
| | $ | 55,002 |
| | $ | 930 |
| | $ | 7,943,221 |
| | $ | 79,180 |
| Commercial real estate | | 2,415,353 |
| | 41,573 |
| | — |
| | — |
| | 2,415,353 |
| | 41,573 |
| Residential mortgage | | 220,635 |
| | 5,481 |
| | 1,831,391 |
| | 23,984 |
| | 2,052,026 |
| | 29,465 |
| Consumer | | 265,533 |
| | 2,657 |
| | 116,131 |
| | 4,308 |
| | 381,664 |
| | 6,965 |
| Total | | 10,789,740 |
| | 127,961 |
| | 2,002,524 |
| | 29,222 |
| | 12,792,264 |
| | 157,183 |
| | | | | | | | | | | | | | Nonspecific allowance | | — |
| | — |
| | — |
| | — |
| | — |
| | 28,213 |
| | | | | | | | | | | | | | Total | | $ | 10,789,740 |
| | $ | 127,961 |
| | $ | 2,002,524 |
| | $ | 29,222 |
| | $ | 12,792,264 |
| | $ | 185,396 |
|
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 |
|
|
Schedule of Credit Quality Indicators [Table Text Block] |
The following table summarizes the Company’s loan portfolio at December 31, 2013 by the risk grade categories (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | Internally Risk Graded | | Non-Graded | | | | | Performing | | Potential Problem | | Nonaccruing | | Performing | | Nonaccruing | | Total | Commercial: | | | | | | | | | | | | | Energy | | $ | 2,347,519 |
| | $ | 2,381 |
| | $ | 1,860 |
| | $ | — |
| | $ | — |
| | $ | 2,351,760 |
| Services | | 2,265,984 |
| | 11,304 |
| | 4,922 |
| | — |
| | — |
| | 2,282,210 |
| Wholesale/retail | | 1,191,791 |
| | 2,604 |
| | 6,969 |
| | — |
| | — |
| | 1,201,364 |
| Manufacturing | | 381,794 |
| | 9,365 |
| | 592 |
| | — |
| | — |
| | 391,751 |
| Healthcare | | 1,272,626 |
| | 34 |
| | 1,586 |
| | — |
| | — |
| | 1,274,246 |
| Integrated food services | | 145,758 |
| | 4,736 |
| | — |
| | — |
| | — |
| | 150,494 |
| Other commercial and industrial | | 235,636 |
| | — |
| | 758 |
| | 54,929 |
| | 73 |
| | 291,396 |
| Total commercial | | 7,841,108 |
| | 30,424 |
| | 16,687 |
| | 54,929 |
| | 73 |
| | 7,943,221 |
| | | | | | | | | | | | | | Commercial real estate: | | |
| | |
| | |
| | |
| | |
| | |
| Residential construction and land development | | 173,488 |
| | 15,393 |
| | 17,377 |
| | — |
| | — |
| | 206,258 |
| Retail | | 579,506 |
| | 1,684 |
| | 4,857 |
| | — |
| | — |
| | 586,047 |
| Office | | 403,951 |
| | 1,157 |
| | 6,391 |
| | — |
| | — |
| | 411,499 |
| Multifamily | | 562,800 |
| | 13,695 |
| | 7 |
| | — |
| | — |
| | 576,502 |
| Industrial | | 243,625 |
| | — |
| | 252 |
| | — |
| | — |
| | 243,877 |
| Other commercial real estate | | 371,628 |
| | 7,576 |
| | 11,966 |
| | — |
| | — |
| | 391,170 |
| Total commercial real estate | | 2,334,998 |
| | 39,505 |
| | 40,850 |
| | — |
| | — |
| | 2,415,353 |
| | | | | | | | | | | | | | Residential mortgage: | | |
| | |
| | |
| | |
| | |
| | |
| Permanent mortgage | | 210,142 |
| | 3,283 |
| | 7,210 |
| | 815,040 |
| | 27,069 |
| | 1,062,744 |
| Permanent mortgages guaranteed by U.S. government agencies | | — |
| | — |
| | — |
| | 180,821 |
| | 777 |
| | 181,598 |
| Home equity | | — |
| | — |
| | — |
| | 800,420 |
| | 7,264 |
| | 807,684 |
| Total residential mortgage | | 210,142 |
| | 3,283 |
| | 7,210 |
| | 1,796,281 |
| | 35,110 |
| | 2,052,026 |
| | | | | | | | | | | | | | Consumer: | | |
| | |
| | |
| | |
| | |
| | |
| Indirect automobile | | — |
| | — |
| | — |
| | 5,796 |
| | 717 |
| | 6,513 |
| Other consumer | | 264,536 |
| | 795 |
| | 202 |
| | 109,318 |
| | 300 |
| | 375,151 |
| Total consumer | | 264,536 |
| | 795 |
| | 202 |
| | 115,114 |
| | 1,017 |
| | 381,664 |
| | | | | | | | | | | | | | Total | | $ | 10,650,784 |
| | $ | 74,007 |
| | $ | 64,949 |
| | $ | 1,966,324 |
| | $ | 36,200 |
| | $ | 12,792,264 |
|
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 | | Nonaccruing | | Performing | | Nonaccruing | | 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: | | |
| | |
| | |
| | |
| | |
| | |
| Residential 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 |
|
|
Summary of Impaired Loans [Table Text Block] |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2013 | | For the Year Ended | | | | Recorded Investment | | | | December 31, 2013 | | Unpaid Principal Balance | | Total | | With No Allowance | | With Allowance | | Related Allowance | | Average Recorded Investment | | Interest Income Recognized | Commercial: | | | | | | | | | | | | | | Energy | $ | 1,860 |
| | $ | 1,860 |
| | $ | 1,860 |
| | $ | — |
| | $ | — |
| | $ | 2,160 |
| | $ | — |
| Services | 6,486 |
| | 4,922 |
| | 3,791 |
| | 1,131 |
| | 516 |
| | 8,506 |
| | — |
| Wholesale/retail | 11,009 |
| | 6,969 |
| | 6,937 |
| | 32 |
| | 9 |
| | 5,023 |
| | — |
| Manufacturing | 746 |
| | 592 |
| | 592 |
| | — |
| | — |
| | 1,300 |
| | — |
| Healthcare | 2,193 |
| | 1,586 |
| | 1,538 |
| | 48 |
| | 48 |
| | 2,376 |
| | — |
| Integrated food services | — |
| | — |
| | — |
| | — |
| | — |
| | 342 |
| | — |
| Other commercial and industrial | 8,532 |
| | 831 |
| | 831 |
| | — |
| | — |
| | 907 |
| | — |
| Total commercial | 30,826 |
| | 16,760 |
| | 15,549 |
| | 1,211 |
| | 573 |
| | 20,614 |
| | — |
| | | | | | | | | | | | | | | Commercial real estate: | |
| | |
| | |
| | |
| | |
| | |
| | |
| Residential construction and land development | 20,804 |
| | 17,377 |
| | 17,050 |
| | 327 |
| | 107 |
| | 21,754 |
| | — |
| Retail | 6,133 |
| | 4,857 |
| | 4,857 |
| | — |
| | — |
| | 6,487 |
| | — |
| Office | 7,848 |
| | 6,391 |
| | 6,383 |
| | 8 |
| | 8 |
| | 6,610 |
| | — |
| Multifamily | 7 |
| | 7 |
| | 7 |
| | — |
| | — |
| | 1,357 |
| | — |
| Industrial | 252 |
| | 252 |
| | 252 |
| | — |
| | — |
| | 2,110 |
| | — |
| Other real estate loans | 14,593 |
| | 11,966 |
| | 11,779 |
| | 187 |
| | 18 |
| | 12,421 |
| | — |
| Total commercial real estate | 49,637 |
| | 40,850 |
| | 40,328 |
| | 522 |
| | 133 |
| | 50,739 |
| | — |
| | | | | | | | | | | | | | | Residential mortgage: | |
| | |
| | |
| | |
| | |
| | |
| | |
| Permanent mortgage | 41,870 |
| | 34,279 |
| | 33,869 |
| | 410 |
| | 248 |
| | 37,071 |
| | 1,582 |
| Permanent mortgage guaranteed by U.S. government agencies1 | 188,436 |
| | 181,598 |
| | 181,598 |
| | — |
| | — |
| | 165,509 |
| | 6,961 |
| Home equity | 7,537 |
| | 7,264 |
| | 7,264 |
| | — |
| | — |
| | 6,760 |
| | — |
| Total residential mortgage | 237,843 |
| | 223,141 |
| | 222,731 |
| | 410 |
| | 248 |
| | 209,340 |
| | 8,543 |
| | | | | | | | | | | | | | | Consumer: | |
| | |
| | |
| | |
| | |
| | |
| | |
| Indirect automobile | 719 |
| | 717 |
| | 717 |
| | — |
| | — |
| | 1,148 |
| | — |
| Other consumer | 509 |
| | 502 |
| | 502 |
| | — |
| | — |
| | 817 |
| | — |
| Total consumer | 1,228 |
| | 1,219 |
| | 1,219 |
| | — |
| | — |
| | 1,965 |
| | — |
| | | | | | | | | | | | | | | Total | $ | 319,534 |
| | $ | 281,970 |
| | $ | 279,827 |
| | $ | 2,143 |
| | $ | 954 |
| | $ | 282,658 |
| | $ | 8,543 |
|
| | 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, 2013, $777 thousand of these loans are nonaccruing and $181 million are 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, have been recovered.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2012 | | | For the Year Ended | | | | | Recorded Investment | | | | December 31, 2012 | | | Unpaid Principal Balance | | Total | | With No Allowance | | With Allowance | | Related Allowance | | Average Recorded Investment | | Interest Income Recognized | Commercial: | | | | | | | | | | | | | | | Energy | | $ | 2,460 |
| | $ | 2,460 |
| | $ | 2,460 |
| | $ | — |
| | $ | — |
| | $ | 1,398 |
| | $ | — |
| Services | | 15,715 |
| | 12,090 |
| | 11,940 |
| | 150 |
| | 149 |
| | 14,529 |
| | — |
| Wholesale/retail | | 9,186 |
| | 3,077 |
| | 3,016 |
| | 61 |
| | 15 |
| | 12,129 |
| | — |
| Manufacturing | | 2,447 |
| | 2,007 |
| | 2,007 |
| | — |
| | — |
| | 12,529 |
| | — |
| Healthcare | | 4,256 |
| | 3,166 |
| | 2,050 |
| | 1,116 |
| | 66 |
| | 4,326 |
| | — |
| Integrated food services | | 684 |
| | 684 |
| | 684 |
| | — |
| | — |
| | 342 |
| | — |
| Other commercial and industrial | | 8,482 |
| | 983 |
| | 983 |
| | — |
| | — |
| | 1,387 |
| | — |
| Total commercial | | 43,230 |
| | 24,467 |
| | 23,140 |
| | 1,327 |
| | 230 |
| | 46,640 |
| | — |
| | | | | | | | | | | | | | | | Commercial real estate: | | |
| | |
| | |
| | |
| | |
| | | | | Residential construction and land development | | 44,721 |
| | 26,131 |
| | 25,575 |
| | 556 |
| | 155 |
| | 44,003 |
| | — |
| Retail | | 9,797 |
| | 8,117 |
| | 8,117 |
| | — |
| | — |
| | 7,490 |
| | — |
| Office | | 8,949 |
| | 6,829 |
| | 6,604 |
| | 225 |
| | 21 |
| | 9,143 |
| | — |
| Multifamily | | 3,189 |
| | 2,706 |
| | 2,706 |
| | — |
| | — |
| | 3,110 |
| | — |
| Industrial | | 3,968 |
| | 3,968 |
| | — |
| | 3,968 |
| | 2,290 |
| | 1,984 |
| | — |
| Other real estate loans | | 15,377 |
| | 12,875 |
| | 10,049 |
| | 2,826 |
| | 643 |
| | 14,181 |
| | — |
| Total commercial real estate | | 86,001 |
| | 60,626 |
| | 53,051 |
| | 7,575 |
| | 3,109 |
| | 79,911 |
| | — |
| | | | | | | | | | | | | | | | Residential mortgage: | | |
| | |
| | |
| | |
| | |
| | | | | Permanent mortgage | | 51,153 |
| | 39,863 |
| | 37,564 |
| | 2,299 |
| | 769 |
| | 32,614 |
| | 1,590 |
| Permanent mortgage guaranteed by U.S. government agencies1 | | 170,740 |
| | 160,444 |
| | 160,444 |
| | — |
| | — |
| | 173,729 |
| | 6,718 |
| Home equity | | 6,256 |
| | 6,256 |
| | 6,256 |
| | — |
| | — |
| | 5,329 |
| | — |
| Total residential mortgage | | 228,149 |
| | 206,563 |
| | 204,264 |
| | 2,299 |
| | 769 |
| | 211,672 |
| | 8,308 |
| | | | | | | | | | | | | | | | Consumer: | | |
| | |
| | |
| | |
| | |
| | | | | Indirect automobile | | 1,578 |
| | 1,578 |
| | 1,578 |
| | — |
| | — |
| | 1,886 |
| | — |
| Other consumer | | 1,300 |
| | 1,131 |
| | 1,006 |
| | 125 |
| | 125 |
| | 1,226 |
| | — |
| Total consumer | | 2,878 |
| | 2,709 |
| | 2,584 |
| | 125 |
| | 125 |
| | 3,112 |
| | — |
| | | | | | | | | | | | | | | | Total | | $ | 360,258 |
| | $ | 294,365 |
| | $ | 283,039 |
| | $ | 11,326 |
| | $ | 4,233 |
| | $ | 341,335 |
| | $ | 8,308 |
|
| | 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 are nonaccruing and $160 million are accruing based on the guarantee by U.S. government agencies. |
|
Troubled Debt Restructurings [Table Text Block] |
A summary of troubled debt restructurings ("TDRs") by accruing status as of December 31, 2013 were as follows (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2013 | | | | | Recorded Investment | | Performing in Accordance With Modified Terms | | Not Performing in Accordance With Modified Terms | | Specific Allowance | | Amounts Charged-Off During the Year Ended December 31, 2013 | Nonaccruing TDRs: | | | | | | | | | | | Commercial: | | | | | | | | | | | Energy | | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| Services | | 2,235 |
| | 852 |
| | 1,383 |
| | 237 |
| | — |
| Wholesale/retail | | 235 |
| | 89 |
| | 146 |
| | 9 |
| | — |
| Manufacturing | | 391 |
| | — |
| | 391 |
| | — |
| | 154 |
| Healthcare | | — |
| | — |
| | — |
| | — |
| | — |
| Integrated food services | | — |
| | — |
| | — |
| | — |
| | — |
| Other commercial and industrial | | 771 |
| | 173 |
| | 598 |
| | — |
| | — |
| Total commercial | | 3,632 |
| | 1,114 |
| | 2,518 |
| | 246 |
| | 154 |
| | | | | | | | | | | | Commercial real estate: | | |
| | |
| | |
| | |
| | |
| Residential construction and land development | | 10,148 |
| | 1,444 |
| | 8,704 |
| | 107 |
| | 46 |
| Retail | | 4,359 |
| | 3,141 |
| | 1,218 |
| | — |
| | 582 |
| Office | | 5,059 |
| | 3,872 |
| | 1,187 |
| | — |
| | 117 |
| Multifamily | | — |
| | — |
| | — |
| | — |
| | — |
| Industrial | | — |
| | — |
| | — |
| | — |
| | — |
| Other real estate loans | | 5,011 |
| | 2,885 |
| | 2,126 |
| | — |
| | — |
| Total commercial real estate | | 24,577 |
| | 11,342 |
| | 13,235 |
| | 107 |
| | 745 |
| | | | | | | | | | | | Residential mortgage: | | |
| | |
| | |
| | |
| | |
| Permanent mortgage | | 18,697 |
| | 12,214 |
| | 6,483 |
| | 88 |
| | 469 |
| Home equity | | 4,045 |
| | 3,531 |
| | 514 |
| | — |
| | 112 |
| Total residential mortgage | | 22,742 |
| | 15,745 |
| | 6,997 |
| | 88 |
| | 581 |
| | | | | | | | | | | | Consumer: | | |
| | |
| | |
| | |
| | |
| Indirect automobile | | 629 |
| | 555 |
| | 74 |
| | — |
| | 1 |
| Other consumer | | 379 |
| | 203 |
| | 176 |
| | — |
| | — |
| Total consumer | | 1,008 |
| | 758 |
| | 250 |
| | — |
| | 1 |
| | | | | | | | | | | | Total nonaccruing TDRs | | $ | 51,959 |
| | $ | 28,959 |
| | $ | 23,000 |
| | $ | 441 |
| | $ | 1,481 |
| | | | | | | | | | | | Accruing TDRs: | | | | | | | | | | | Residential mortgage: | | | | | | | | | | | Permanent mortgage | | — |
| | — |
| | — |
| | — |
| | — |
| Permanent mortgages guaranteed by U.S. government agencies | | 54,322 |
| | 13,384 |
| | 40,938 |
| | — |
| | — |
| Total residential mortgage | | 54,322 |
| | 13,384 |
| | 40,938 |
| | — |
| | — |
| | | | | | | | | | | | Total accruing TDRs | | 54,322 |
| | 13,384 |
| | 40,938 |
| | — |
| | — |
| | | | | | | | | | | | Total TDRs | | $ | 106,281 |
| | $ | 42,343 |
| | $ | 63,938 |
| | $ | 441 |
| | $ | 1,481 |
|
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 | | Amounts Charged-off During the Year Ended December 31, 2012 | Nonaccruing TDRs: | | | | | | | | | | | Commercial: | | | | | | | | | | | Energy | | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| Services | | 2,492 |
| | 2,099 |
| | 393 |
| | 45 |
| | — |
| Wholesale/retail | | 2,290 |
| | 1,362 |
| | 928 |
| | 15 |
| | 107 |
| Manufacturing | | — |
| | — |
| | — |
| | — |
| | — |
| Healthcare | | 64 |
| | 64 |
| | — |
| | — |
| | — |
| Integrated food services | | — |
| | — |
| | — |
| | — |
| | — |
| Other commercial and industrial | | 675 |
| | — |
| | 675 |
| | — |
| | — |
| Total commercial | | 5,521 |
| | 3,525 |
| | 1,996 |
| | 60 |
| | 107 |
| | | | | | | | | | | | Commercial real estate: | | |
| | |
| | |
| | |
| | | Residential construction and land development | | 14,898 |
| | 9,989 |
| | 4,909 |
| | 76 |
| | 1,143 |
| Retail | | 6,785 |
| | 5,735 |
| | 1,050 |
| | — |
| | 150 |
| Office | | 3,899 |
| | 1,920 |
| | 1,979 |
| | — |
| | 269 |
| Multifamily | | — |
| | — |
| | — |
| | — |
| | — |
| Industrial | | — |
| | — |
| | — |
| | — |
| | — |
| Other real estate loans | | 5,017 |
| | 3,399 |
| | 1,618 |
| | — |
| | 2,182 |
| Total commercial real estate | | 30,599 |
| | 21,043 |
| | 9,556 |
| | 76 |
| | 3,744 |
| | | | | | | | | | | | Residential mortgage: | | |
| | |
| | |
| | |
| | | Permanent mortgage | | 20,490 |
| | 12,214 |
| | 8,276 |
| | 54 |
| | 1,476 |
| Home equity | | — |
| | — |
| | — |
| | — |
| | — |
| Total residential mortgage | | 20,490 |
| | 12,214 |
| | 8,276 |
| | 54 |
| | 1,476 |
| | | | | | | | | | | | Consumer: | | |
| | |
| | |
| | |
| | | Indirect automobile | | — |
| | — |
| | — |
| | — |
| | — |
| Other consumer | | 2,860 |
| | 2,589 |
| | 271 |
| | 83 |
| | 198 |
| Total consumer | | 2,860 |
| | 2,589 |
| | 271 |
| | 83 |
| | 198 |
| | | | | | | | | | | | Total nonaccuring TDRs | | $ | 59,470 |
| | $ | 39,371 |
| | $ | 20,099 |
| | $ | 273 |
| | $ | 5,525 |
| | | | | | | | | | | | 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 |
| | $ | 5,525 |
|
Troubled debt restructurings generally consist of interest rates concessions, payment stream concessions or a combination of concessions to distressed borrowers. The following table details the recorded balance of loans at December 31, 2013 by class that were restructured during the year ended December 31, 2013 by primary type of concession (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Year Ended December 31, 2013 | | Accruing | | Nonaccrual | | Total | | Payment Stream | | Combination & Other | | Total | | Interest Rate | | Payment Stream | | Combination & Other | | Total | | Commercial: | | | | | | | | | | | | | | | | Energy | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| Services | — |
| | — |
| | — |
| | — |
| | 1,080 |
| | — |
| | 1,080 |
| | 1,080 |
| Wholesale/retail | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Manufacturing | — |
| | — |
| | — |
| | — |
| | 391 |
| | — |
| | 391 |
| | 391 |
| Healthcare | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Integrated food services | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other commercial and industrial | — |
| | — |
| | — |
| | 139 |
| | — |
| | 57 |
| | 196 |
| | 196 |
| Total commercial | — |
| | — |
| | — |
| | 139 |
| | 1,471 |
| | 57 |
| | 1,667 |
| | 1,667 |
| | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | |
| |
| Residential construction and land development | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Retail | — |
| | — |
| | — |
| | — |
| | 486 |
| | — |
| | 486 |
| | 486 |
| Office | — |
| | — |
| | — |
| | — |
| | 2,819 |
| | — |
| | 2,819 |
| | 2,819 |
| Multifamily | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Industrial | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other real estate loans | — |
| | — |
| | — |
| | — |
| | 517 |
| | — |
| | 517 |
| | 517 |
| Total commercial real estate | — |
| | — |
| | — |
| | — |
| | 3,822 |
| | — |
| | 3,822 |
| | 3,822 |
| | | | | | | | | | | | | | | | | Residential mortgage: | | | | | | | | | | | | | | | | Permanent mortgage | — |
| | — |
| | — |
| | — |
| | 1,062 |
| | 1,894 |
| | 2,956 |
| | 2,956 |
| Permanent mortgage guaranteed by U.S. government agencies | 11,545 |
| | 12,518 |
| | 24,063 |
| | — |
| | — |
| | — |
| | — |
| | 24,063 |
| Home equity | — |
| | — |
| | — |
| | — |
| | — |
| | 2,800 |
| | 2,800 |
| | 2,800 |
| Total residential mortgage | 11,545 |
| | 12,518 |
| | 24,063 |
| | — |
| | 1,062 |
| | 4,694 |
| | 5,756 |
| | 29,819 |
| | | | | | | | | | | | | | | | | Consumer: | | | | | | | | | | | | | | | | Indirect automobile | — |
| | — |
| | — |
| | — |
| | — |
| | 510 |
| | 510 |
| | 510 |
| Other consumer | — |
| | — |
| | — |
| | 75 |
| | — |
| | 128 |
| | 203 |
| | 203 |
| Total consumer | — |
| | — |
| | — |
| | 75 |
| | — |
| | 638 |
| | 713 |
| | 713 |
| | | | | | | | | | | | | | | | | Total | $ | 11,545 |
| | $ | 12,518 |
| | $ | 24,063 |
| | $ | 214 |
| | $ | 6,355 |
| | $ | 5,389 |
| | $ | 11,958 |
| | $ | 36,021 |
|
The following table details the recorded balance of loans by class that were restructured during the year ended December 31, 2012 by primary type of concession (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | Year Ended December 31, 2012 | | Accruing | | Nonaccrual | | Total | | Combination & Other | | Interest Rate | | Payment Stream | | Combination & Other | | Total | | Commercial: | | | | | | | | | | | | Energy | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| Services | — |
| | 875 |
| | — |
| | — |
| | 875 |
| | 875 |
| Wholesale/retail | — |
| | 885 |
| | — |
| | — |
| | 885 |
| | 885 |
| Manufacturing | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Healthcare | — |
| | — |
| | — |
| | 64 |
| | 64 |
| | 64 |
| Integrated food services | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other commercial and industrial | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Total commercial | — |
| | 1,760 |
| | — |
| | 64 |
| | 1,824 |
| | 1,824 |
| | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | Residential construction and land development | — |
| | 1,219 |
| | 8,359 |
| | — |
| | 9,578 |
| | 9,578 |
| Retail | — |
| | 2,379 |
| | — |
| | — |
| | 2,379 |
| | 2,379 |
| Office | — |
| | 1,350 |
| | 570 |
| | — |
| | 1,920 |
| | 1,920 |
| Multifamily | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Industrial | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other real estate loans | — |
| | — |
| | 1,573 |
| | — |
| | 1,573 |
| | 1,573 |
| Total commercial real estate | — |
| | 4,948 |
| | 10,502 |
| | — |
| | 15,450 |
| | 15,450 |
| | | | | | | | | | | | | Residential mortgage: | | | | | | | | | | | | Permanent mortgage | — |
| | 1,214 |
| | — |
| | 2,518 |
| | 3,732 |
| | 3,732 |
| Permanent mortgage guaranteed by U.S. government agencies | 17,398 |
| | — |
| | — |
| | — |
| | — |
| | 17,398 |
| Home equity | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Total residential mortgage | 17,398 |
| | 1,214 |
| | — |
| | 2,518 |
| | 3,732 |
| | 21,130 |
| | | | | | | | | | | | | Consumer: | | | | | | | | | | | | Indirect automobile | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other consumer | — |
| | 223 |
| | — |
| | 2,508 |
| | 2,731 |
| | 2,731 |
| Total consumer | — |
| | 223 |
| | — |
| | 2,508 |
| | 2,731 |
| | 2,731 |
| | | | | | | | | | | | | Total | $ | 17,398 |
| | $ | 8,145 |
| | $ | 10,502 |
| | $ | 5,090 |
| | $ | 23,737 |
| | $ | 41,135 |
|
The following table summarizes, by loan class, the recorded investment at December 31, 2013 and 2012, respectively of loans modified as TDRs within the previous 12 months and for which there was a payment default during the years ended December 31, 2013 and 2012, respectively (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | Year Ended | | December 31, 2013 | | December 31, 2012 | | Accruing | | Nonaccrual | | Total | | Accruing | | Nonaccrual | | Total | Commercial: | | | | | | | | | | | | Energy | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| | $ | — |
| Services | — |
| | 1,080 |
| | 1,080 |
| | — |
| | 875 |
| | 875 |
| Wholesale/retail | — |
| | — |
| | — |
| | — |
| | 885 |
| | 885 |
| Manufacturing | — |
| | 391 |
| | 391 |
| | — |
| | — |
| | — |
| Healthcare | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Integrated food services | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other commercial and industrial | — |
| | 164 |
| | 164 |
| | — |
| | — |
| | — |
| Total commercial | — |
| | 1,635 |
| | 1,635 |
| | — |
| | 1,760 |
| | 1,760 |
| | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | Residential construction and land development | — |
| | — |
| | — |
| | — |
| | 2,000 |
| | 2,000 |
| Retail | — |
| | 486 |
| | 486 |
| | — |
| | 2,379 |
| | 2,379 |
| Office | — |
| | 2,819 |
| | 2,819 |
| | — |
| | 1,350 |
| | 1,350 |
| Multifamily | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Industrial | — |
| | — |
| | — |
| | — |
| | — |
| | — |
| Other real estate loans | — |
| | 517 |
| | 517 |
| | — |
| | — |
| | — |
| Total commercial real estate | — |
| | 3,822 |
| | 3,822 |
| | — |
| | 5,729 |
| | 5,729 |
| | | | | | | | | | | | | Residential mortgage: | | | | | | | | | | | | Permanent mortgage | — |
| | 586 |
| | 586 |
| | — |
| | 2,692 |
| | 2,692 |
| Permanent mortgage guaranteed by U.S. government agencies | 23,918 |
| | — |
| | 23,918 |
| | 17,251 |
| | — |
| | 17,251 |
| Home equity | — |
| | 590 |
| | 590 |
| | — |
| | — |
| | — |
| Total residential mortgage | 23,918 |
| | 1,176 |
| | 25,094 |
| | 17,251 |
| | 2,692 |
| | 19,943 |
| | | | | | | | | | | | | Consumer: | | | | | | | | | | | | Indirect automobile | — |
| | 115 |
| | 115 |
| | — |
| | — |
| | — |
| Other consumer | — |
| | 40 |
| | 40 |
| | — |
| | 462 |
| | 462 |
| Total consumer | — |
| | 155 |
| | 155 |
| | — |
| | 462 |
| | 462 |
| | | | | | | | | | | | | Total | $ | 23,918 |
| | $ | 6,788 |
| | $ | 30,706 |
| | $ | 17,251 |
| | $ | 10,643 |
| | $ | 27,894 |
|
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.
|
Summary of Loans by Aging Status [Table Text Block] |
A summary of loans currently performing, loans past due and accruing and nonaccrual loans as of December 31, 2013 is as follows (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | Past Due | | | | | | | Current | | 30 to 89 Days | | 90 Days or More | | Nonaccrual | | Total | Commercial: | | | | | | | | | | | Energy | | $ | 2,347,267 |
| | $ | 2,483 |
| | $ | 150 |
| | $ | 1,860 |
| | $ | 2,351,760 |
| Services | | 2,276,036 |
| | 1,210 |
| | 42 |
| | 4,922 |
| | 2,282,210 |
| Wholesale/retail | | 1,193,905 |
| | 338 |
| | 152 |
| | 6,969 |
| | 1,201,364 |
| Manufacturing | | 391,159 |
| | — |
| | — |
| | 592 |
| | 391,751 |
| Healthcare | | 1,272,660 |
| | — |
| | — |
| | 1,586 |
| | 1,274,246 |
| Integrated food services | | 150,494 |
| | — |
| | — |
| | — |
| | 150,494 |
| Other commercial and industrial | | 290,479 |
| | 81 |
| | 5 |
| | 831 |
| | 291,396 |
| Total commercial | | 7,922,000 |
| | 4,112 |
| | 349 |
| | 16,760 |
| | 7,943,221 |
| | | | | | | | | | | | Commercial real estate: | | |
| | |
| | |
| | |
| | |
| Residential construction and land development | | 188,434 |
| | 428 |
| | 19 |
| | 17,377 |
| | 206,258 |
| Retail | | 580,926 |
| | 264 |
| | — |
| | 4,857 |
| | 586,047 |
| Office | | 404,505 |
| | 603 |
| | — |
| | 6,391 |
| | 411,499 |
| Multifamily | | 576,495 |
| | — |
| | — |
| | 7 |
| | 576,502 |
| Industrial | | 243,625 |
| | — |
| | — |
| | 252 |
| | 243,877 |
| Other real estate loans | | 376,699 |
| | 1,493 |
| | 1,012 |
| | 11,966 |
| | 391,170 |
| Total commercial real estate | | 2,370,684 |
| | 2,788 |
| | 1,031 |
| | 40,850 |
| | 2,415,353 |
| | | | | | | | | | | | Residential mortgage: | | |
| | |
| | |
| | |
| | |
| Permanent mortgage | | 1,018,670 |
| | 9,795 |
| | — |
| | 34,279 |
| | 1,062,744 |
| Permanent mortgages guaranteed by U.S. government agencies | | 21,916 |
| | 17,290 |
| | 141,615 |
| | 777 |
| | 181,598 |
| Home equity | | 797,299 |
| | 3,087 |
| | 34 |
| | 7,264 |
| | 807,684 |
| Total residential mortgage | | 1,837,885 |
| | 30,172 |
| | 141,649 |
| | 42,320 |
| | 2,052,026 |
| | | | | | | | | | | | Consumer: | | |
| | |
| | |
| | |
| | |
| Indirect automobile | | 5,466 |
| | 330 |
| | — |
| | 717 |
| | 6,513 |
| Other consumer | | 373,951 |
| | 697 |
| | 1 |
| | 502 |
| | 375,151 |
| Total consumer | | 379,417 |
| | 1,027 |
| | 1 |
| | 1,219 |
| | 381,664 |
| | | | | | | | | | | | Total | | $ | 12,509,986 |
| | $ | 38,099 |
| | $ | 143,030 |
| | $ | 101,149 |
| | $ | 12,792,264 |
|
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: | | |
| | |
| | |
| | |
| | |
| Residential 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 |
|
|