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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