Allowance For Loan And Lease Losses (Tables)

6 Months Ended

Jun. 30, 2011

Summary Of Activity In The Allowance For Loan and Lease Losses

Activity in the allowance for loan and lease losses, ending balances of loans and leases and related allowance by class of loans is summarized as follows:


Noncovered Loans	Construction and Land Development - Commercial			Commercial Mortgage			Other Commercial Real Estate			Commercial and Industrial			Lease Financing			Other			Residential Mortgage			Revolving Mortgage			Construction and Land Development - Non- commercial			Consumer			Non- specific			Total
2011
Allowance for loan and lease losses:
Three months ended June 30, 2011
Balance at April 1	$	10,728		$	66,190		$	2,204		$	24,365		$	3,369		$	1,419		$	7,129		$	19,363		$	1,328		$	27,778		$	14,095		$	177,968
Charge-offs		(308	)		(825	)		—			(1,592	)		(252	)		—			(713	)		(4,404	)		(363	)		(3,221	)		—			(11,678	)
Recoveries		13			546			6			277			37			—			3			159			70			433			—			1,544
Provision		(741	)		1,212			58			1,868			204			(68	)		985			6,902			289			2,089			(17	)		12,781

Balance at June 30	$	9,692		$	67,123		$	2,268		$	24,918		$	3,358		$	1,351		$	7,404		$	22,020		$	1,324		$	27,079		$	14,078		$	180,615
Six months ended June 30, 2011
Balance at January 1	$	10,512		$	64,772		$	2,200		$	24,089		$	3,384		$	1,473		$	7,009		$	18,016		$	1,751		$	29,448		$	13,863		$	176,517
Charge-offs		(395	)		(3,961	)		(83	)		(2,613	)		(252	)		—			(719	)		(4,446	)		(373	)		(9,289	)		—			(22,131	)
Recoveries		37			555			6			282			37			—			4			159			73			433			—			1,586
Provision		(462	)		5,757			145			3,160			189			(122	)		1,110			8,291			(127	)		6,487			215			24,643

Balance at June 30	$	9,692		$	67,123		$	2,268		$	24,918		$	3,358		$	1,351		$	7,404		$	22,020		$	1,324		$	27,079		$	14,078		$	180,615

ALLL for loans and leases individually evaluated for impairment	$	5,526		$	5,272		$	56		$	430		$	48		$	—		$	455		$	—		$	93		$	45		$	—		$	11,925
ALLL for loans and leases collectively evaluated for impairment		4,166			61,851			2,212			24,488			3,310			1,351			6,949			22,020			1,231			27,034			—			154,612
Non-specific ALLL		—			—			—			—			—			—			—			—			—			—			14,078			14,078

Total allowance for loan and lease losses	$	9,692		$	67,123		$	2,268		$	24,918		$	3,358		$	1,351		$	7,404		$	22,020		$	1,324		$	27,079		$	14,078		$	180,615


Loans and leases:

Loans and leases individually evaluated for impairment	$	28,274		$	69,806		$	1,770		$	14,063		$	617		$	—		$	11,102		$	—		$	2,562		$	994		$	—		$	129,188

Loans and leases collectively evaluated for impairment		378,860			4,791,651			147,207			1,791,749			302,487			170,758			814,508			2,303,687			142,883			555,876			—			11,399,666

Total loan and leases	$	407,134		$	4,861,457		$	148,977		$	1,805,812		$	303,104		$	170,758		$	825,610		$	2,303,687		$	145,445		$	556,870		$	—		$	11,528,854


December 31, 2010
Allowance for loan and lease losses:
ALLL for loans and leases individually evaluated for impairment	$	5,883		$	4,601		$	67		$	598		$	58		$	7		$	384		$	—		$	13		$	9		$	—		$	11,620

ALLL for loans and leases collectively evaluated for impairment		4,629			60,171			2,133			23,491			3,326			1,466			6,625			18,016			1,738			29,439			—			151,034
Non-specific ALLL		—			—			—			—			—			—			—			—			—			—			13,863			13,863

Total allowance for loan and lease losses	$	10,512		$	64,772		$	2,200		$	24,089		$	3,384		$	1,473		$	7,009		$	18,016		$	1,751		$	29,448		$	13,863		$	176,517


Loans and leases:
Loans and leases individually evaluated for impairment	$	28,327		$	57,952		$	964		$	12,989		$	693		$	76		$	6,162		$	—		$	514		$	102		$	—		$	107,779

Loans and leases collectively evaluated for impairment		310,602			4,679,910			148,746			1,856,501			300,596			181,939			872,630			2,233,853			192,440			595,581			—			11,372,798

Total loan and leases	$	338,929		$	4,737,862		$	149,710		$	1,869,490		$	301,289		$	182,015		$	878,792		$	2,233,853		$	192,954		$	595,683					$	11,480,577


Covered Loans	Construction and Land Development - Commercial			Commercial Mortgage			Other Commercial Real Estate			Commercial and Industrial			Lease Financing		Residential Mortgage			Revolving Mortgage			Construction and Land Development - Non-commercial			Consumer and Other			Total
2011
Allowance for loan and lease losses:
Three months ended June 30, 2011
Balance at April 1	$	20,419		$	14,649		$	4,905		$	6,712		$	—	$	1,012		$	1,451		$	5,468		$	13		$	54,629
Charge-offs		(5,156	)		(11,409	)		(3,289	)		(2,413	)		—		(1,927	)		—			(2,276	)		(74	)		(26,544	)
Recoveries		—			7			91			12			—		44			—			—			—			154
Provision		8,971			18,846			11,134			(2,439	)		—		4,524			(1,441	)		1,528			73			41,196

Balance at June 30	$	24,234		$	22,093		$	12,841		$	1,872		$	—	$	3,653		$	10		$	4,720		$	12		$	69,435

Six months ended June 30, 2011
Balance at January 1	$	20,654		$	13,199		$	4,148		$	6,828		$	—	$	113		$	676		$	5,607		$	23		$	51,248
Charge-offs		(9,952	)		(24,007	)		(11,474	)		(2,443	)		—		(2,734	)		—			(5,044	)		(74	)		(55,728	)
Recoveries		—			15			91			12			—		44			—			—			—			162
Provision		13,532			32,886			20,076			(2,525	)		—		6,230			(666	)		4,157			63			73,753

Balance at June 30	$	24,234		$	22,093		$	12,841		$	1,872		$	—	$	3,653		$	10		$	4,720		$	12		$	69,435

ALLL for loans and leases individually evaluated for impairment	$	3,003		$	6,370		$	447		$	193		$	—	$	272		$	—		$	601		$	—		$	10,886
ALLL for loans and leases collectively evaluated for impairment		610			2,488			420			235			—		375			10			61			12			4,211

ALLL for loans and leases acquired with deteriorated credit quality		20,621			13,235			11,974			1,444			—		3,006			—			4,058			—			54,338

Total allowance for loan and lease losses	$	24,234		$	22,093		$	12,841		$	1,872		$	—	$	3,653		$	10		$	4,720		$	12		$	69,435


Loans and leases:
Loans and leases individually evaluated for impairment	$	91,977		$	114,958		$	24,845		$	525		$	—	$	9,671		$	—		$	13,604		$	—		$	255,580
Loans and leases collectively evaluated for impairment		162,829			1,071,901			113,414			116,977			218		324,727			11,450			26,517			5,726			1,833,759
Loans and leases acquired with deteriorated credit quality		83,844			120,916			35,347			7,990			6		19,635			483			42,056			122			310,399

Total loan and leases	$	338,650		$	1,307,775		$	173,606		$	125,492		$	224	$	354,033		$	11,933		$	82,177		$	5,848		$	2,399,738

December 31, 2010

Allowance for loan and lease losses:

ALLL for loans and leases individually evaluated for impairment	$	5,085		$	7,331		$	151		$	170		$	—	$	6		$	—		$	221		$	—		$	12,964
ALLL for loans and leases collectively evaluated for impairment		701			2,613			549			363			—		107			31			154			23			4,541
ALLL for loans and leases acquired with deteriorated credit quality		14,868			3,255			3,448			6,295			—		—			645			5,232			—			33,743

Total allowance for loan and lease losses	$	20,654		$	13,199		$	4,148		$	6,828		$	—	$	113		$	676		$	5,607		$	23		$	51,248


Loans and leases:
Loans and leases individually evaluated for impairment	$	59,763		$	84,841		$	9,330		$	8,330		$	—	$	4,743		$	—		$	42,957		$	—		$	209,964
Loans and leases collectively evaluated for impairment		205,669			883,983			166,627			115,060			—		58,726			9,466			18,588			8,664			1,466,783
Loans and leases acquired with deteriorated credit quality		102,988			120,240			34,704			9,087			—		11,026			8,400			44,260			—			330,705

Total loan and leases	$	368,420		$	1,089,064		$	210,661		$	132,477		$	—	$	74,495		$	17,866		$	105,805		$	8,664		$	2,007,452

Allocation Of Noncovered Impaired Loans And Leases

The following table provides information on noncovered impaired loans and leases, exclusive of loans and leases evaluated collectively as a homogeneous group, including interest income recognized in the period during which the loans and leases were considered impaired.


	With a recorded allowance		With no recorded allowance		Total		Related allowance recorded
June 30, 2011
Impaired noncovered loans and leases
Construction and land development - commercial	$	27,237	$	1,037	$	28,274	$	5,526
Commercial mortgage		64,272		5,534		69,806		5,272
Other commercial real estate		1,770		—		1,770		56
Commercial and industrial		6,917		7,146		14,063		430
Lease financing		617		—		617		48
Other		—		—		—		—
Residential mortgage		11,102		—		11,102		455
Construction and land development - non-commercial		2,562		—		2,562		93
Consumer		994		—		994		45

Total impaired noncovered loans and leases	$	115,471	$	13,717	$	129,188	$	11,925

December 31, 2010
Impaired noncovered loans and leases
Construction and land development - commercial	$	28,327	$	—	$	28,327	$	5,883
Commercial mortgage		52,658		5,294		57,952		4,601
Other commercial real estate		964		—		964		67
Commercial and industrial		11,624		1,365		12,989		598
Lease financing		693		—		693		58
Other		76		—		76		7
Residential mortgage		6,162		—		6,162		384
Construction and land development - non-commercial		514		—		514		13
Consumer		102		—		102		9

Total impaired noncovered loans and leases	$	101,120	$	6,659	$	107,779	$	11,620


June 30, 2010
Total impaired loans not covered by loss share	$	52,418	$	2,039	$	54,457	$	3,781


	Average Balance		Unpaid Principal Balance		Interest Income Recognized
Three months ended June 30, 2011
Noncovered impaired loans and leases:

Construction and land development - commercial	$	28,541	$	28,475	$	32
Commercial mortgage		65,763		70,259		340
Other commercial real estate		1,358		1,770		15
Commercial and industrial		10,953		14,063		58
Lease financing		790		617		—
Other		—		—		—
Residential mortgage		9,144		11,102		116
Construction and land development - non-commercial		1,538		2,562		39
Consumer		548		994		8

Total noncovered impaired loans and leases	$	118,635	$	129,842	$	608

Six months ended June 30, 2011
Noncovered impaired loans and leases:

Construction and land development - commercial	$	28,819	$	28,475	$	104
Commercial mortgage		65,937		70,259		1,078
Other commercial real estate		1,227		1,770		25
Commercial and industrial		12,454		14,063		223
Lease financing		758		617		12
Other		38		—		—
Residential mortgage		8,150		11,102		176
Construction and land development - non-commercial		1,196		2,562		45
Consumer		399		994		10

Total noncovered impaired loans and leases	$	118,978	$	129,842	$	1,673

Year ended December 31, 2010
Noncovered impaired loans and leases:

Construction and land development - commercial	$	19,235	$	28,610	$	736
Commercial mortgage		25,451		59,760		2,548
Other commercial real estate		353		964		42
Commercial and industrial		3,420		11,624		663
Lease financing		281		693		37
Other		31		76		5
Residential mortgage		2,314		6,162		212
Construction and land development - non-commercial		182		514		56
Consumer		39		102		9

Total noncovered impaired loans and leases	$	51,306	$	108,505	$	4,308