Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2011


(dollars in thousands)
	2011		2010
Residential mortgage loans:
Residential 1-4 family	$	483,244	$	616,550
Construction/ Owner Occupied		16,143		14,822

Total residential mortgage loans		499,387		631,372

Commercial loans:
Real estate		3,318,982		2,647,107
Business		2,045,374		1,515,856

Total commercial loans		5,364,356		4,162,963

Consumer loans:
Indirect automobile		261,896		255,322
Home equity		1,061,437		834,840
Other		200,961		150,835

Total consumer loans		1,529,294		1,240,997

Total loans receivable	$	7,388,037	$	6,035,332

Schedule Of Non-Covered Loans Outstanding


(dollars in thousands)
Non-covered Loans:	2011		2010
Residential mortgage loans:
Residential 1-4 family	$	266,970	$	355,164
Construction/ Owner Occupied		16,143		14,822

Total residential mortgage loans		283,113		369,986

Commercial loans:
Real estate		2,591,013		1,781,744
Business		1,896,496		1,341,352

Total commercial loans		4,487,509		3,123,096

Consumer loans:
Indirect automobile		261,896		255,322
Home equity		826,463		555,749
Other		194,607		148,432

Total consumer loans		1,282,966		959,503

Total non-covered loans receivable	$	6,053,588	$	4,452,585

Schedule Of Aging Of Non-Covered Loans


	Non-covered loans excluding acquired loans
(dollars in thousands)
	Past Due ⁽¹⁾
December 31, 2011	30-59 days		60-89 days		Greater than 90 days		Total past due		Current		Total non- covered loans, net of unearned income		Recorded investment > 90 days and accruing

Residential
Prime	$	731	$	325	$	6,009	$	7,065	$	271,534		278,599	$	1,099
Subprime		—		—		—		—		—		—		—
Commercial
Real Estate – Construction		266		—		2,582		2,848		273,824		276,672		—
Real Estate- Other		880		54		34,087		35,021		1,778,235		1,813,256		636
Commercial Business		302		277		6,642		7,221		1,793,959		1,801,180		20
Consumer
Indirect Automobile		1,232		159		994		2,385		248,070		250,455		—

Home Equity		3,102		717		4,955		8,774		741,968		750,742		82
Credit Card		467		107		403		977		46,786		47,763		—
Other		349		147		623		1,119		129,640		130,759		4

Total	$	7,329	$	1,786	$	56,295	$	65,410	$	5,284,016	$	5,349,426	$	1,841


	Non-covered loans excluding acquired loans
(dollars in thousands)
	Past Due
December 31, 2010	30-59 days		60-89 days		Greater than 90 days		Total past due		Current		Total loans, net of unearned income		Recorded investment > 90 days and accruing

Residential
Prime	$	421	$	1,002	$	6,196	$	7,620	$	362,366	$	369,986	$	280
Subprime		—		—		—		—		—		—		—
Commercial
Real Estate – Construction		—		486		9,850		10,336		254,912		265,248		13
Real Estate – Other		3,568		1,975		24,788		30,331		1,486,165		1,516,496		1,018
Commercial Business		406		—		1,993		2,399		1,338,953		1,341,352		144
Consumer
Indirect Automobile		1,002		165		1,046		2,213		253,109		255,322		—
Home Equity		2,406		1,122		5,466		8,994		546,755		555,749		—
Credit Card		146		94		378		618		42,298		42,916		—
Other		361		157		1,232		1,750		103,766		105,516		—

Total	$	8,310	$	5,001	$	50,950	$	64,261	$	4,388,324	$	4,452,585	$	1,455

(1)	Past due loans include loans on nonaccrual status as of the period indicated. Nonaccrual loans are presented separately in the "Nonaccrual Loans" section below.

Schedule Of Aging Of Acquired Loans


	Acquired loans from OMNI and Cameron
(dollars in thousands)	Acquired loans from OMNI and Cameron
	Past Due ⁽¹⁾													Total non-		Recorded
December 31, 2011	30-59 days		60-89 days		Greater than 90 days		Total past due		Current		Discount ⁽¹⁾			covered loans, net of unearned income		investment > 90 days and accruing

Residential
Prime	$	124	$	60	$	185	$	369	$	4,145	$	—		$	4,514	$	185
Subprime		—		—		—		—		—		—			—		—
Commercial
Real Estate – Construction		629		—		3,755		4,384		61,705		(6,458	)		59,631		345
Real Estate – Other		7,213		4,036		29,725		40,974		448,288		(47,808	)		441,454		794
Commercial Business		183		69		639		891		105,796		(11,371	)		95,316		3
Consumer
Indirect Automobile		171		10		258		439		10,813		189			11,441		—
Home Equity		2,509		125		4,104		6,738		73,822		(4,839	)		75,721		438
Credit Card		—		—		—		—		—		—			—		—
Other		413		545		571		1,529		16,067		(1,511	)		16,085		150

Total	$	11,242	$	4,845	$	39,237	$	55,324	$	720,636	$	(71,798	)	$	704,162	$	1,915

(1)	Past due information includes loans acquired from OMNI and Cameron at the gross contractual balance outstanding at December 31, 2011.

Schedule Of Non-Covered Loans On Nonaccrual Status


(dollars in thousands)
	2011		2010
Residential
Prime	$	4,910	$	5,916
Subprime		—		—
Commercial
Real Estate – Construction		2,582		9,837
Real Estate – Other		33,451		23,771
Business		6,622		1,849
Consumer
Indirect Automobile		994		1,046
Home Equity		4,873		5,466
Credit Card		403		378
Other		619		1,233

Total	$	54,454	$	49,496

Schedule Of Carrying Amount Of Acquired Covered Loans

dollars in thousands)	December 31, 2011
Covered loans	ASC 310-30 Loans		Non- ASC 310-30 Loans		Total Covered Loans
Residential mortgage loans:
Residential 1-4 family	$	31,809	$	184,465	$	216,274

Total residential mortgage loans		31,809		184,465		216,274
Commercial loans:
Real estate		23,127		704,841		727,968
Business		4,053		144,825		148,878

Total commercial loans		27,180		849,666		876,846
Consumer loans:
Home equity		30,267		204,707		234,974
Other		116		6,239		6,355

Total consumer loans		30,383		210,946		241,329

Total covered loans receivable	$	89,372	$	1,245,077	$	1,334,449


(dollars in thousands)	December 31, 2010
Covered loans	ASC 310-30 Loans		Non- ASC 310-30 Loans		Total Covered Loans
Residential mortgage loans:
Residential 1-4 family	$	50,566	$	210,820	$	261,386

Total residential mortgage loans		50,566		210,820		261,386
Commercial loans:
Real estate		146,331		719,032		865,363
Business		6,119		168,385		174,504

Total commercial loans		152,450		887,417		1,039,867
Consumer loans:
Home equity		59,689		219,402		279,091
Other		543		1,860		2,403

Total consumer loans		60,232		221,262		281,494

Total covered loans receivable	$	263,248	$	1,319,499	$	1,582,747

Schedule Of Carrying Amount Of Loans Acquired


(dollars in thousands) December 31, 2011	Acquired Impaired Loans			Acquired Performing Loans			Total Acquired Loan Portfolio
Contractually required principal and interest at acquisition	$	88,556		$	975,870		$	1,064,426
Nonaccretable difference (expected losses and foregone interest)		(34,824	)		(72,827	)		(107,651	)

Cash flows expected to be collected at acquisition		53,732			903,043			956,775
Accretable yield		(7,346	)		(139,163	)		(146,509	)

Basis in acquired loans at acquisition	$	46,386		$	763,880		$	810,226	⁽¹⁾


(dollars in thousands) December 31, 2010	Acquired Impaired Loans			Acquired Performing Loans			Total Acquired Loan Portfolio
Contractually required principal and interest at acquisition	$	49,823		$	205,154		$	254,977
Nonaccretable difference (expected losses and foregone interest)		(30,890	)		(61,836	)		(92,726	)

Cash flows expected to be collected at acquisition		18,933			143,318			162,251
Accretable yield		(207	)		(10,843	)		(11,050	)

Basis in acquired loans at acquisition	$	18,726		$	132,475		$	151,201	⁽¹⁾

(1)	Excludes overdraft balances, credit card loans, and in-process accounts included in total loans at the acquisition date.

Schedule Of Changes In Accretable Yields Of Acquired Loans


(dollars in thousands) December 31, 2011	Acquired Impaired Loans			Acquired Performing Loans			Total Acquired Loan Portfolio

Balance, beginning of period	$	82,381		$	626,190		$	708,571
Acquisition		7,346			139,163			146,509
Net transfers from (to) nonaccretable difference to (from) accretable yield		37,687			(216,551	)		(178,864	)
Accretion		(43,580	)		(161,825	)		(205,405	)

Balance, end of period	$	83,834		$	386,977		$	470,811


(dollars in thousands) December 31, 2010	Acquired Impaired Loans			Acquired Performing Loans			Total Acquired Loan Portfolio

Balance, beginning of period	$	6,598		$	222,986		$	229,584
Acquisition		207			10,843			11,050
Transfers from nonaccretable difference to accretable yield		89,217			520,364			609,581
Accretion		(913,641	)		(128,003	)		(141,644	)

Balance, end of period	$	82,381		$	626,190		$	708,571

Schedule Of FDIC Loss Share Receivable


(dollars in thousands)	December 31,
	2011			2010

Balance, beginning of year	$	726,871		$	1,034,734
Acquisition		—			66,826
Increase due to loan loss provision recorded on FDIC covered loans		57,121			64,922
(Amortization) Accretion		(72,086	)		(13,024	)
Submission of reimbursable losses to the FDIC		(117,939	)		(424,258	)
Other		(2,123	)		(2,329	)

Balance, end of year	$	591,844		$	726,871

Covered TDRs [Member]

Loans Receivable [Line Items]

Schedule Of Subsequently Defaulted TDRs


	December 31, 2011						December 31, 2010
(in thousands, except number of loans)	Number of Loans		Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment		Number of Loans		Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
TDRs occurring during the year
Residential
Prime		—	$	—	$	—		—	$	—	$	—
Commercial
Real Estate		7		9,265		8,365		34		17,561		16,667
Business		5		3,001		1,971		3		82		59
Consumer
Indirect Automobile		—		—		—		—		—		—
Home Equity		1		238		231		—		—		—
Credit Card		—		—		—		—		—		—
Other		—		—		—		2		7		—

Total		13	$	12,504	$	10,567		39	$	17,650	$	16,726

	December 31, 2011						December 31, 2010
	Number of Loans		Recorded Investment				Number of Loans		Recorded Investment
Total TDRs that subsequently defaulted in the past 12 months
Residential
Prime		—	$	—				—	$	—
Commercial
Real Estate		30		21,107				35		17,413
Business		6		1,877				3		59
Consumer
Indirect Automobile		—		—				—		—
Home Equity		—		—				—		—
Credit Card		—		—				—		—
Other		—		—				2		—

Total		36	$	22,984				40	$	17,472

Total TDRs [Member]

Loans Receivable [Line Items]

Schedule Of Troubled Debt Restructurings


	Total TDRs
(dollars in thousands)	Accruing Loans
	Current		Past Due Greater than 30 Days		Nonaccrual TDRs		Total TDRs
December 31, 2011
Residential
Prime	$	—	$	—	$	—	$	—
Commercial
Real Estate		55		—		21,696		21,751
Business		—		—		1,971		1,971
Consumer
Indirect Automobile		—		—		—		—
Home Equity		—		—		231		231
Credit Card		—		—		—		—
Other		—		—		—		—

Total	$	55	$	—	$	23,898	$	23,953

December 31, 2010
Residential
Prime	$	—	$	—	$	—	$	—
Commercial
Real Estate		14,968		—		2,445		17,413
Business		—		—		59		59
Consumer
Indirect Automobile		—		—		—		—
Home Equity		—		—		—		—
Credit Card		—		—		—		—
Other		—		—		—		—

Total	$	14,968	$	—	$	2,504	$	17,472