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Loans (Tables) | 3 Months Ended
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Mar. 31, 2014
Loans [Abstract] |
Schedule Of Loans By Portfolio Segment |
The following table provides the balance of loans by portfolio segment as of March 31, 2014 and 2013, and December 31, 2013:
|  | March 31 |  | December 31 |
(Dollars in thousands) | 2014 |  | 2013 |  | 2013 |
Commercial: |  |  |  |  |  |  |  |  |
| Commercial, financial, and industrial | $ | 7,752,995 |  | $ | 8,091,186 |  | $ | 7,923,576 |
| Commercial real estate |  | 1,152,418 |  |  | 1,115,879 |  |  | 1,133,279 |
Retail: |  |  |  |  |  |  |  |  |
| Consumer real estate (a) |  | 5,258,014 |  |  | 5,590,180 |  |  | 5,333,371 |
| Permanent mortgage (b) |  | 622,242 |  |  | 793,282 |  |  | 662,242 |
| Credit card & other |  | 333,792 |  |  | 299,143 |  |  | 336,606 |
Loans, net of unearned income | $ | 15,119,461 |  | $ | 15,889,670 |  | $ | 15,389,074 |
Allowance for loan losses |  | 247,246 |  |  | 265,218 |  |  | 253,809 |
Total net loans | $ | 14,872,215 |  | $ | 15,624,452 |  | $ | 15,135,265 |
Balances as of March 31, 201 4 and 2013, and December 31, 2013 include $86.7 million, $386.4 million, and $333.8 million of restricted and secured real estate loans, respectively. See Note 14 - Variable Interest Entities for additional information. Balances as of March 31, 2013, and December 31, 2013 include $13.0 million and $11.2 million of restricted and secured real estate loans, respectively. See Note 14 - Variable Interest Entities for additional information.
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Movement Schedule Rollforward [Table Text Block] |
The following table presents a rollforward of the accretable yield for the three months ended March 31, 2014: |
| Three Months Ended |
(Dollars in thousands) | March 31, 2014 |
Balance, beginning of period | $ | 13,490 |
Additions |  | 111 |
Accretion |  | (1,657) |
Adjustment for payoffs |  | (233) |
Adjustment for charge-offs |  | (64) |
Increase in accretable yield (a) |  | 4,181 |
Balance, end of period | $ | 15,828 |
Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows.
Schedule Of Acquired Purchase Credit Impaired Loans By Portfolio Segment [Table Text Block] |
At March 31, 2014, the ALLL related to PCI loans was $1.9 million and loan loss provision recognized during the three months ended March 31, 2014 was $1.2 million. The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of March 31, 2014 and December 31, 2013: |
| March 31, 2014 |  | December 31, 2013 |
(Dollars in thousands) | Carrying value |  | Unpaid balance |  | Carrying value |  | Unpaid balance |
Commercial, financial and industrial | $ | 6,693 |  | $ | 8,503 |  | $ | 7,077 |  | $ | 9,169 |
Commercial real estate |  | 37,067 |  |  | 52,690 |  |  | 38,042 |  |  | 53,648 |
Consumer real estate |  | 693 |  |  | 973 |  |  | 878 |  |  | 1,291 |
Credit card and other |  | - |  |  | - |  |  | 12 |  |  | 21 |
Total | $ | 44,453 |  | $ | 62,166 |  | $ | 46,009 |  | $ | 64,129 |
Information By Class Related To Individually Impaired Loans |
Impaired Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
The following tables provide information at March 31, 2014 and 2013, by class related to individually impaired loans and consumer TDR's. Recorded investment is defined as the amount of the investment in a loan, before valuation allowance but which does reflect any direct write-down of the investment. For purposes of this disclosure, PCI loans and LOCOM have been excluded. |
|  | March 31, 2014 |
|  |  |  |  | Unpaid |  |  |  |  | Average |  | Interest |
|  | Recorded | Principal | Related |  | Recorded |  | Income |
(Dollars in thousands) | Investment | Balance | Allowance |  | Investment |  | Recognized |
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 14,130 |  | $ | 15,648 |  | $ | - |  | $ | 20,378 |  | $ | - |
| TRUPs |  | 0 |  |  | 0 |  |  | - |  |  | 3,250 |  |  | - |
| Income CRE |  | 8,500 |  |  | 16,529 |  |  | - |  |  | 8,512 |  |  | - |
| Total | $ | 22,630 |  | $ | 32,177 |  | $ | - |  | $ | 32,140 |  | $ | - |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC (a) | $ | 16,151 |  | $ | 37,723 |  | $ | - |  | $ | 16,488 |  | $ | - |
| R/E installment loans (a) |  | 10,400 |  |  | 13,360 |  |  | - |  |  | 10,705 |  |  | - |
| Permanent mortgage (a) |  | 7,854 |  |  | 11,078 |  |  | - |  |  | 8,157 |  |  | - |
| Total | $ | 34,405 |  | $ | 62,161 |  | $ | - |  | $ | 35,350 |  | $ | - |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 27,723 |  | $ | 33,911 |  | $ | 1,201 |  | $ | 22,232 |  | $ | 79 |
| TRUPs |  | 13,550 |  |  | 13,550 |  |  | 3,986 |  |  | 23,580 |  |  | - |
| Income CRE |  | 11,821 |  |  | 13,540 |  |  | 783 |  |  | 12,097 |  |  | 102 |
| Residential CRE |  | 6,380 |  |  | 11,675 |  |  | 712 |  |  | 6,647 |  |  | 63 |
| Total | $ | 59,474 |  | $ | 72,676 |  | $ | 6,682 |  | $ | 64,556 |  | $ | 244 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC | $ | 73,287 |  | $ | 74,730 |  | $ | 17,080 |  | $ | 71,792 |  | $ | 434 |
| R/E installment loans |  | 73,738 |  |  | 74,645 |  |  | 26,573 |  |  | 73,015 |  |  | 269 |
| Permanent mortgage |  | 113,989 |  |  | 127,958 |  |  | 19,211 |  |  | 113,493 |  |  | 723 |
| Credit card & other |  | 772 |  |  | 772 |  |  | 236 |  |  | 658 |  |  | 11 |
| Total | $ | 261,786 |  | $ | 278,105 |  | $ | 63,100 |  | $ | 258,958 |  | $ | 1,437 |
Total commercial | $ | 82,104 |  | $ | 104,853 |  | $ | 6,682 |  | $ | 96,696 |  | $ | 244 |
Total retail | $ | 296,191 |  | $ | 340,266 |  | $ | 63,100 |  | $ | 294,308 |  | $ | 1,437 |
Total impaired loans | $ | 378,295 |  | $ | 445,119 |  | $ | 69,782 |  | $ | 391,004 |  | $ | 1,681 |
All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
|  | March 31, 2013 |
|  |  |  |  | Unpaid |  |  |  |  | Average |  | Interest |
|  | Recorded | Principal | Related | Recorded | Income |
(Dollars in thousands) | Investment | Balance | Allowance | Investment | Recognized |
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 60,849 |  | $ | 73,873 |  | $ | - |  | $ | 60,581 |  | $ | 80 |
| TRUPs |  | 10,000 |  |  | 10,000 |  |  | - |  |  | 17,000 |  |  | - |
| Income CRE |  | 28,136 |  |  | 40,034 |  |  | - |  |  | 30,968 |  |  | 75 |
| Residential CRE |  | 14,294 |  |  | 21,507 |  |  | - |  |  | 14,467 |  |  | 63 |
| Total | $ | 113,279 |  | $ | 145,414 |  | $ | - |  | $ | 123,016 |  | $ | 218 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC (a) | $ | 21,058 |  | $ | 41,036 |  | $ | - |  | $ | 20,698 |  | $ | - |
| R/E installment loans (a) |  | 13,329 |  |  | 16,143 |  |  | - |  |  | 11,825 |  |  | - |
| Permanent mortgage (a) |  | 10,771 |  |  | 14,634 |  |  | - |  |  | 9,991 |  |  | - |
| Total | $ | 45,158 |  | $ | 71,813 |  | $ | - |  | $ | 42,514 |  | $ | - |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 3,754 |  | $ | 3,754 |  | $ | 1,159 |  | $ | 7,027 |  | $ | - |
| TRUPs |  | 40,200 |  |  | 40,200 |  |  | 14,304 |  |  | 36,950 |  |  | - |
| Income CRE |  | 1,071 |  |  | 1,071 |  |  | 156 |  |  | 1,075 |  |  | 11 |
| Total | $ | 45,025 |  | $ | 45,025 |  | $ | 15,619 |  | $ | 45,052 |  | $ | 11 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC | $ | 63,066 |  | $ | 63,474 |  | $ | 16,559 |  | $ | 61,358 |  | $ | 426 |
| R/E installment loans |  | 68,474 |  |  | 69,136 |  |  | 24,219 |  |  | 69,082 |  |  | 285 |
| Permanent mortgage |  | 109,283 |  |  | 121,993 |  |  | 22,239 |  |  | 116,487 |  |  | 683 |
| Credit card & other |  | 747 |  |  | 747 |  |  | 231 |  |  | 782 |  |  | 8 |
| Total | $ | 241,570 |  | $ | 255,350 |  | $ | 63,248 |  | $ | 247,709 |  | $ | 1,402 |
Total commercial | $ | 158,304 |  | $ | 190,439 |  | $ | 15,619 |  | $ | 168,068 |  | $ | 229 |
Total retail | $ | 286,728 |  | $ | 327,163 |  | $ | 63,248 |  | $ | 290,223 |  | $ | 1,402 |
Total impaired loans | $ | 445,032 |  | $ | 517,602 |  | $ | 78,867 |  | $ | 458,291 |  | $ | 1,631 |
Certain previously reported amounts have been reclassified to agree with current presentation. |
All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
Balances Of Commercial Loan Portfolio Classes, Disaggregated By PD Grade |
The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of March 31, 2014 and 2013: |  |
| March 31, 2014 |  |
|  |  |  | Loans to |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |  |
| General |  | Mortgage |  |  |  |  | Income | Residential |  |  |  | Percentage |  |  | for Loan |
(Dollars in thousands) | C&I |  | Companies |  | TRUPS (a) |  | CRE | CRE | Total |  | of Total |  |  | Losses |
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 233,362 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 233,362 |  |  | 3 | % |  | $ | 90 |  |
2 |  | 218,944 |  |  | - |  |  | - |  |  | 1,719 |  |  | - |  |  | 220,663 |  |  | 2 |  |  |  | 88 |  |
3 |  | 225,715 |  |  | - |  |  | - |  |  | 4,639 |  |  | 82 |  |  | 230,436 |  |  | 3 |  |  |  | 199 |  |
4 |  | 367,591 |  |  | - |  |  | - |  |  | 13,148 |  |  | 215 |  |  | 380,954 |  |  | 4 |  |  |  | 487 |  |
5 |  | 778,522 |  |  | - |  |  | - |  |  | 96,447 |  |  | 5,835 |  |  | 880,804 |  |  | 10 |  |  |  | 2,348 |  |
6 |  | 947,462 |  |  | 69,207 |  |  | - |  |  | 196,101 |  |  | 5,815 |  |  | 1,218,585 |  |  | 14 |  |  |  | 1,743 |  |
7 |  | 1,081,770 |  |  | 159,207 |  |  | - |  |  | 249,317 |  |  | 6,413 |  |  | 1,496,707 |  |  | 16 |  |  |  | 2,698 |  |
8 |  | 936,597 |  |  | 301,197 |  |  | - |  |  | 224,339 |  |  | 52 |  |  | 1,462,185 |  |  | 16 |  |  |  | 4,053 |  |
9 |  | 662,311 |  |  | 115,936 |  |  | - |  |  | 90,336 |  |  | 1,379 |  |  | 869,962 |  |  | 10 |  |  |  | 7,392 |  |
10 |  | 391,737 |  |  | 58,205 |  |  | - |  |  | 61,584 |  |  | 1,834 |  |  | 513,360 |  |  | 6 |  |  |  | 6,180 |  |
11 |  | 392,249 |  |  | 5,659 |  |  | - |  |  | 30,402 |  |  | 1,816 |  |  | 430,126 |  |  | 5 |  |  |  | 9,704 |  |
12 |  | 119,196 |  |  | - |  |  | - |  |  | 33,142 |  |  | 1,732 |  |  | 154,070 |  |  | 2 |  |  |  | 2,403 |  |
13 |  | 152,035 |  |  | - |  |  | 326,158 |  |  | 12,262 |  |  | 2,180 |  |  | 492,635 |  |  | 6 |  |  |  | 7,968 |  |
14,15,16 |  | 138,680 |  |  | 141 |  |  | 9,385 |  |  | 39,257 |  |  | 6,783 |  |  | 194,246 |  |  | 2 |  |  |  | 34,332 |  |
Collectively evaluated for impairment |  | 6,646,171 |  |  | 709,552 |  |  | 335,543 |  |  | 1,052,693 |  |  | 34,136 |  |  | 8,778,095 |  |  | 99 |  |  |  | 79,685 |  |
Individually evaluated for impairment |  | 41,853 |  |  | - |  |  | 13,115 |  |  | 20,321 |  |  | 6,380 |  |  | 81,669 |  |  | 1 |  |  |  | 6,682 |  |
Total commercial loans | $ | 6,688,024 |  | $ | 709,552 |  | $ | 348,658 |  | $ | 1,073,014 |  | $ | 40,516 |  | $ | 8,859,764 | (b) |  | 100 | % |  | $ | 86,367 | (c) |
| March 31, 2013 |
|  |  |  | Loans to |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |
| General | Mortgage |  |  | Income | Residential |  |  | Percent of |  | for Loan
(Dollars in thousands) | C&I | Companies | TRUPS (a) | CRE | CRE | Total | Total |  | Losses
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 | $ | 169,342 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 169,342 |  | 2 | % |  | $ | 51 |
2 |  | 172,481 |  |  | - |  |  | - |  |  | 2,513 |  |  | - |  |  | 174,994 |  | 2 |  |  |  | 82 |
3 |  | 164,654 |  |  | - |  |  | - |  |  | 6,241 |  |  | - |  |  | 170,895 |  | 2 |  |  |  | 101 |
4 |  | 309,242 |  |  | - |  |  | - |  |  | 6,188 |  |  | 216 |  |  | 315,646 |  | 3 |  |  |  | 421 |
5 |  | 672,509 |  |  | - |  |  | - |  |  | 34,672 |  |  | 275 |  |  | 707,456 |  | 8 |  |  |  | 1,284 |
6 |  | 939,686 |  |  | 121,538 |  |  | - |  |  | 148,174 |  |  | 7,308 |  |  | 1,216,706 |  | 13 |  |  |  | 3,206 |
7 |  | 1,012,012 |  |  | 329,484 |  |  | - |  |  | 177,656 |  |  | 1,877 |  |  | 1,521,029 |  | 17 |  |  |  | 3,397 |
8 |  | 1,015,430 |  |  | 411,119 |  |  | - |  |  | 237,433 |  |  | 257 |  |  | 1,664,239 |  | 18 |  |  |  | 5,314 |
9 |  | 641,720 |  |  | 227,410 |  |  | - |  |  | 123,351 |  |  | 765 |  |  | 993,246 |  | 11 |  |  |  | 8,851 |
10 |  | 461,381 |  |  | 40,177 |  |  | - |  |  | 106,948 |  |  | 1,053 |  |  | 609,559 |  | 7 |  |  |  | 7,805 |
11 |  | 440,142 |  |  | - |  |  | - |  |  | 54,810 |  |  | 1,801 |  |  | 496,753 |  | 5 |  |  |  | 9,837 |
12 |  | 168,677 |  |  | - |  |  | - |  |  | 22,233 |  |  | 188 |  |  | 191,098 |  | 2 |  |  |  | 2,808 |
13 |  | 114,717 |  |  | - |  |  | 337,725 |  |  | 36,729 |  |  | 10,585 |  |  | 499,756 |  | 5 |  |  |  | 8,371 |
14,15,16 |  | 227,018 |  |  | 351 |  |  | 3,335 |  |  | 76,433 |  |  | 14,672 |  |  | 321,809 |  | 3 |  |  |  | 34,096 |
Collectively evaluated for impairment |  | 6,509,011 |  |  | 1,130,079 |  |  | 341,060 |  |  | 1,033,381 |  |  | 38,997 |  |  | 9,052,528 |  | 98 |  |  |  | 85,624 |
Individually evaluated for impairment |  | 64,603 |  |  | - |  |  | 46,433 |  |  | 29,207 |  |  | 14,294 |  |  | 154,537 |  | 2 |  |  |  | 15,619 |
Total commercial loans | $ | 6,573,614 |  | $ | 1,130,079 |  | $ | 387,493 |  | $ | 1,062,588 |  | $ | 53,291 |  | $ | 9,207,065 |  | 100 | % |  | $ | 101,243 |
Balances as of March 31, 2014 and 2013, presented net of $26.6 million and $30.9 million, respectively, in lower of cost or market (“LOCOM”) valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13". Balance as of March 31, 2014, exclude s PCI loans amounting to $45.6 million. Allowance excludes $1.9 million related to PCI loans as of March 31, 2014.
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The HELOC |
The following tables reflect period end balances and average FICO scores by origination vintage for the HELOC, real estate installment, and permanent mortgage classes of loans as of March 31, 2014 and 2013:
HELOC |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | March 31, 2014 |  | March 31, 2013 |
|  |  |  |  | Average |  | Average |  |  |  |  | Average |  | Average |
(Dollars in thousands) | Period End |  | Origination | Refreshed | Period End | Origination | Refreshed
Origination Vintage | Balance |  | FICO | FICO | Balance | FICO | FICO
pre-2003 | $ | 73,926 |  |  | 710 |  |  | 703 |  | $ | 108,054 |  |  | 714 |  |  | 705 |
2003 |  | 130,144 |  |  | 723 |  |  | 709 |  |  | 208,233 |  |  | 732 |  |  | 723 |
2004 |  | 375,252 |  |  | 726 |  |  | 715 |  |  | 469,608 |  |  | 727 |  |  | 717 |
2005 |  | 517,957 |  |  | 732 |  |  | 721 |  |  | 592,322 |  |  | 734 |  |  | 719 |
2006 |  | 375,022 |  |  | 740 |  |  | 727 |  |  | 437,889 |  |  | 740 |  |  | 725 |
2007 |  | 396,409 |  |  | 743 |  |  | 728 |  |  | 460,916 |  |  | 745 |  |  | 728 |
2008 |  | 217,360 |  |  | 753 |  |  | 748 |  |  | 250,427 |  |  | 754 |  |  | 747 |
2009 |  | 113,703 |  |  | 751 |  |  | 746 |  |  | 134,294 |  |  | 752 |  |  | 745 |
2010 |  | 110,958 |  |  | 753 |  |  | 748 |  |  | 133,917 |  |  | 753 |  |  | 749 |
2011 |  | 110,815 |  |  | 758 |  |  | 754 |  |  | 129,303 |  |  | 759 |  |  | 756 |
2012 |  | 133,618 |  |  | 759 |  |  | 759 |  |  | 155,758 |  |  | 760 |  |  | 758 |
2013 |  | 169,429 |  |  | 760 |  |  | 757 |  |  | 27,853 |  |  | 756 |  |  | 754 |
2014 |  | 23,224 |  |  | 756 |  |  | 755 |  |  | - |  |  | - |  |  | - |
Total | $ | 2,747,817 |  |  | 741 |  |  | 731 |  | $ | 3,108,574 |  |  | 740 |  |  | 729 |
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans |
R/E Installment Loans | March 31, 2014 | March 31, 2013
|  |  |  |  | Average |  | Average |  |  |  |  | Average |  | Average |
(Dollars in thousands) | Period End |  | Origination |  | Refreshed |  | Period End |  | Origination |  | Refreshed |
Origination Vintage | Balance |  | FICO |  | FICO |  | Balance |  | FICO |  | FICO |
pre-2003 | $ | 21,069 |  |  | 681 |  |  | 687 |  | $ | 33,454 |  |  | 685 |  |  | 682 |
2003 |  | 68,747 |  |  | 715 |  |  | 724 |  |  | 101,107 |  |  | 719 |  |  | 727 |
2004 |  | 51,187 |  |  | 701 |  |  | 699 |  |  | 66,809 |  |  | 703 |  |  | 701 |
2005 |  | 150,669 |  |  | 716 |  |  | 711 |  |  | 197,153 |  |  | 717 |  |  | 711 |
2006 |  | 165,515 |  |  | 715 |  |  | 700 |  |  | 209,755 |  |  | 718 |  |  | 703 |
2007 |  | 236,727 |  |  | 724 |  |  | 708 |  |  | 299,659 |  |  | 726 |  |  | 711 |
2008 |  | 80,067 |  |  | 722 |  |  | 718 |  |  | 104,651 |  |  | 725 |  |  | 716 |
2009 |  | 37,048 |  |  | 742 |  |  | 733 |  |  | 53,302 |  |  | 746 |  |  | 744 |
2010 |  | 120,128 |  |  | 748 |  |  | 754 |  |  | 146,048 |  |  | 746 |  |  | 750 |
2011 |  | 323,992 |  |  | 760 |  |  | 759 |  |  | 390,546 |  |  | 760 |  |  | 761 |
2012 |  | 675,368 |  |  | 764 |  |  | 765 |  |  | 741,406 |  |  | 764 |  |  | 762 |
2013 |  | 509,103 |  |  | 757 |  |  | 753 |  |  | 137,716 |  |  | 761 |  |  | 759 |
2014 |  | 70,577 |  |  | 756 |  |  | 750 |  |  | - |  |  | - |  |  | - |
Total | $ | 2,510,197 |  |  | 746 |  |  | 743 |  | $ | 2,481,606 |  |  | 744 |  |  | 739 |
Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans |
Permanent Mortgage | March 31, 2014 | March 31, 2013
|  |  |  |  | Average |  | Average |  |  |  |  | Average |  | Average |
(Dollars in thousands) | Period End | Origination | Refreshed | Period End | Origination | Refreshed
Origination Vintage | Balance | FICO | FICO | Balance | FICO | FICO
pre-2004 | $ | 178,765 |  |  | 725 |  |  | 728 |  | $ | 249,523 |  |  | 726 |  |  | 727 |
2004 |  | 21,398 |  |  | 712 |  |  | 691 |  |  | 28,662 |  |  | 714 |  |  | 691 |
2005 |  | 38,586 |  |  | 737 |  |  | 715 |  |  | 47,382 |  |  | 739 |  |  | 713 |
2006 |  | 72,413 |  |  | 728 |  |  | 706 |  |  | 89,179 |  |  | 732 |  |  | 712 |
2007 |  | 213,580 |  |  | 733 |  |  | 711 |  |  | 260,136 |  |  | 734 |  |  | 711 |
2008 |  | 97,500 |  |  | 741 |  |  | 712 |  |  | 118,400 |  |  | 742 |  |  | 712 |
Total | $ | 622,242 |  |  | 730 |  |  | 712 |  | $ | 793,282 |  |  | 731 |  |  | 711 |
Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes |
The following table reflects accruing delinquency amounts for the credit card and other portfolio classes as of March 31:
| Credit Card |  | Other |
(Dollars in thousands) | 2014 |  | 2013 |  | 2014 |  | 2013 |
Accruing delinquent balances: |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | $ | 1,810 |  | $ | 1,430 |  | $ | 761 |  | $ | 723 |
90+ days past due |  | 1,622 |  |  | 1,483 |  |  | 130 |  |  | 90 |
Total | $ | 3,432 |  | $ | 2,913 |  | $ | 891 |  | $ | 813 |
Accruing And Non-Accruing Loans By Class |
The following table reflects accruing and non-accruing loans by class on March 31, 2014: |
|  | Accruing |  | Non-Accruing |  |  |
|  |  |  |  | 30-89 |  | 90+ |  |  |  |  |  |  |  | 30-89 |  | 90+ |  | Total |  |  |  |
|  |  |  |  | Days |  | Days |  | Total |  |  |  |  | Days |  | Days |  | Non- |  | Total |
(Dollars in thousands) | Current |  | Past Due |  | Past Due |  | Accruing |  | Current |  | Past Due |  | Past Due |  | Accruing |  | Loans |
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I | $ | 6,629,412 |  | $ | 19,049 |  | $ | 452 |  | $ | 6,648,913 |  | $ | 16,332 |  | $ | 3,341 |  | $ | 19,438 |  | $ | 39,111 |  | $ | 6,688,024 |
Loans to mortgage companies |  | 709,339 |  |  | 72 |  |  | - |  |  | 709,411 |  |  | - |  |  | - |  |  | 141 |  |  | 141 |  |  | 709,552 |
TRUPs (a) |  | 335,543 |  |  | - |  |  | - |  |  | 335,543 |  |  | - |  |  | - |  |  | 13,115 |  |  | 13,115 |  |  | 348,658 |
Purchased credit impaired loans |  | 5,291 |  |  | - |  |  | 1,470 |  |  | 6,761 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 6,761 |
Total commercial (C&I) |  | 7,679,585 |  |  | 19,121 |  |  | 1,922 |  |  | 7,700,628 |  |  | 16,332 |  |  | 3,341 |  |  | 32,694 |  |  | 52,367 |  |  | 7,752,995 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 1,049,843 |  |  | 10,955 |  |  | - |  |  | 1,060,798 |  |  | 1,814 |  |  | 330 |  |  | 10,072 |  |  | 12,216 |  |  | 1,073,014 |
Residential CRE |  | 37,516 |  |  | 282 |  |  | - |  |  | 37,798 |  |  | - |  |  | - |  |  | 2,718 |  |  | 2,718 |  |  | 40,516 |
Purchased credit impaired loans |  | 31,515 |  |  | 5,830 |  |  | 1,543 |  |  | 38,888 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 38,888 |
Total commercial real estate |  | 1,118,874 |  |  | 17,067 |  |  | 1,543 |  |  | 1,137,484 |  |  | 1,814 |  |  | 330 |  |  | 12,790 |  |  | 14,934 |  |  | 1,152,418 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 2,624,763 |  |  | 23,734 |  |  | 12,459 |  |  | 2,660,956 |  |  | 67,361 |  |  | 5,395 |  |  | 14,105 |  |  | 86,861 |  |  | 2,747,817 |
R/E installment loans |  | 2,447,448 |  |  | 10,812 |  |  | 6,074 |  |  | 2,464,334 |  |  | 35,069 |  |  | 3,486 |  |  | 6,605 |  |  | 45,160 |  |  | 2,509,494 |
Purchased credit impaired loans |  | 703 |  |  | - |  |  | - |  |  | 703 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 703 |
Total consumer real estate |  | 5,072,914 |  |  | 34,546 |  |  | 18,533 |  |  | 5,125,993 |  |  | 102,430 |  |  | 8,881 |  |  | 20,710 |  |  | 132,021 |  |  | 5,258,014 |
Permanent mortgage |  | 573,095 |  |  | 6,101 |  |  | 2,845 |  |  | 582,041 |  |  | 15,924 |  |  | 2,048 |  |  | 22,229 |  |  | 40,201 |  |  | 622,242 |
Credit card & other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 180,011 |  |  | 1,810 |  |  | 1,622 |  |  | 183,443 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 183,443 |
Other |  | 148,062 |  |  | 761 |  |  | 130 |  |  | 148,953 |  |  | 1,396 |  |  | - |  |  | - |  |  | 1,396 |  |  | 150,349 |
Total credit card & other |  | 328,073 |  |  | 2,571 |  |  | 1,752 |  |  | 332,396 |  |  | 1,396 |  |  | - |  |  | - |  |  | 1,396 |  |  | 333,792 |
Total loans, net of unearned | $ | 14,772,541 |  | $ | 79,406 |  | $ | 26,595 |  | $ | 14,878,542 |  | $ | 137,896 |  | $ | 14,600 |  | $ | 88,423 |  | $ | 240,919 |  | $ | 15,119,461 |
Total TRUPs i nclude s LOCOM valuation allowance of $26.6 millio n.
The following table reflects accruing and non-accruing loans by class on March 31, 2013: |
| Accruing |  | Non-Accruing |  |  |
|  |  |  | 30-89 |  | 90+ |  |  |  |  |  |  |  | 30-89 |  | 90+ |  | Total |  |  |  |
|  |  |  | Days |  | Days |  | Total |  |  |  |  | Days |  | Days |  | Non- |  | Total |
(Dollars in thousands) | Current | Past Due | Past Due | Accruing | Current | Past Due | Past Due | Accruing | Loans
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I | $ | 6,493,628 |  | $ | 13,177 |  | $ | 428 |  | $ | 6,507,233 |  | $ | 22,439 |  | $ | 9,694 |  | $ | 34,248 |  | $ | 66,381 |  | $ | 6,573,614 |
Loans to mortgage companies |  | 1,129,728 |  |  | - |  |  | - |  |  | 1,129,728 |  |  | - |  |  | - |  |  | 351 |  |  | 351 |  |  | 1,130,079 |
TRUPs (a) |  | 341,060 |  |  | - |  |  | - |  |  | 341,060 |  |  | - |  |  | - |  |  | 46,433 |  |  | 46,433 |  |  | 387,493 |
Total commercial (C&I) |  | 7,964,416 |  |  | 13,177 |  |  | 428 |  |  | 7,978,021 |  |  | 22,439 |  |  | 9,694 |  |  | 81,032 |  |  | 113,165 |  |  | 8,091,186 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 1,031,037 |  |  | 4,679 |  |  | - |  |  | 1,035,716 |  |  | 5,643 |  |  | 1,705 |  |  | 19,524 |  |  | 26,872 |  |  | 1,062,588 |
Residential CRE |  | 41,576 |  |  | - |  |  | - |  |  | 41,576 |  |  | 1,383 |  |  | - |  |  | 10,332 |  |  | 11,715 |  |  | 53,291 |
Total commercial real estate |  | 1,072,613 |  |  | 4,679 |  |  | - |  |  | 1,077,292 |  |  | 7,026 |  |  | 1,705 |  |  | 29,856 |  |  | 38,587 |  |  | 1,115,879 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 3,022,483 |  |  | 28,914 |  |  | 18,135 |  |  | 3,069,532 |  |  | 28,072 |  |  | 1,390 |  |  | 9,580 |  |  | 39,042 |  |  | 3,108,574 |
R/E installment loans |  | 2,432,315 |  |  | 11,977 |  |  | 8,456 |  |  | 2,452,748 |  |  | 19,692 |  |  | 2,685 |  |  | 6,481 |  |  | 28,858 |  |  | 2,481,606 |
Total consumer real estate |  | 5,454,798 |  |  | 40,891 |  |  | 26,591 |  |  | 5,522,280 |  |  | 47,764 |  |  | 4,075 |  |  | 16,061 |  |  | 67,900 |  |  | 5,590,180 |
Permanent mortgage |  | 741,500 |  |  | 6,025 |  |  | 11,126 |  |  | 758,651 |  |  | 12,866 |  |  | 1,266 |  |  | 20,499 |  |  | 34,631 |  |  | 793,282 |
Credit card & other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 178,310 |  |  | 1,430 |  |  | 1,483 |  |  | 181,223 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 181,223 |
Other |  | 115,390 |  |  | 723 |  |  | 90 |  |  | 116,203 |  |  | 1,717 |  |  | - |  |  | - |  |  | 1,717 |  |  | 117,920 |
Total credit card & other |  | 293,700 |  |  | 2,153 |  |  | 1,573 |  |  | 297,426 |  |  | 1,717 |  |  | - |  |  | - |  |  | 1,717 |  |  | 299,143 |
Total loans, net of unearned | $ | 15,527,027 |  | $ | 66,925 |  | $ | 39,718 |  | $ | 15,633,670 |  | $ | 91,812 |  | $ | 16,740 |  | $ | 147,448 |  | $ | 256,000 |  | $ | 15,889,670 |
Total TRUPs i nclu des LOCOM valuation allowance of $30.9 million.
Schedule Of Troubled Debt Restructurings Occurring During The Year |
The following table reflects portfolio loans that were classified as TDRs during the three months ended March 31, 2014 and 2013: |
|  | 2014 |  | 2013 |
|  |  |  | Pre-Modification |  | Post-Modification |  |  |  | Pre-Modification |  | Post-Modification |
|  |  |  | Outstanding |  | Outstanding |  |  |  | Outstanding |  | Outstanding |
(Dollars in thousands) | Number |  | Recorded Investment |  | Recorded Investment |  | Number |  | Recorded Investment |  | Recorded Investment |
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I | - |  | $ | - |  | $ | - |  | 5 |  | $ | 1,242 |  | $ | 1,238 |
| Total commercial (C&I) | - |  |  | - |  |  | - |  | 5 |  |  | 1,242 |  |  | 1,238 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |
Residential CRE | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |
| Total commercial real estate | - |  |  | - |  |  | - |  | - |  |  | - |  |  | - |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC | 67 |  |  | 5,790 |  |  | 5,768 |  | 115 |  |  | 7,759 |  |  | 7,551 |
R/E installment loans | 72 |  |  | 5,143 |  |  | 5,102 |  | 179 |  |  | 6,285 |  |  | 6,233 |
| Total consumer real estate | 139 |  |  | 10,933 |  |  | 10,870 |  | 294 |  |  | 14,044 |  |  | 13,784 |
Permanent mortgage | 12 |  |  | 4,593 |  |  | 4,087 |  | 12 |  |  | 4,737 |  |  | 4,852 |
Credit card & other | 20 |  |  | 87 |  |  | 85 |  | 11 |  |  | 62 |  |  | 59 |
Total troubled debt restructurings | 171 |  | $ | 15,613 |  | $ | 15,042 |  | 322 |  | $ | 20,085 |  | $ | 19,933 |
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months |
The following table presents TDRs which re-defaulted during the three months ended March 31, 2014 and 2013, and as to which the modification occurred 12 months or less prior to the re-default. Financing receivables that became classified as TDRs within the previous 12 months and for which there was a payment default during the period are calculated by first identifying TDRs that defaulted during the period and then determining whether they were modified within the 12 months prior to the default. For purposes of this disclosure, FHN generally defines payment default as 30 or more plus days past due.
|  | 2014 |  | 2013 |
|  |  |  | Recorded |  |  |  | Recorded |
(Dollars in thousands) | Number |  | Investment |  | Number |  | Investment |
Commercial (C&I): |  |  |  |  |  |  |  |  |  |
General C&I | 4 |  | $ | 512 |  | 7 |  | $ | 6,052 |
| Total commercial (C&I) | 4 |  |  | 512 |  | 7 |  |  | 6,052 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |
Income CRE | 2 |  |  | 389 |  | 3 |  |  | 1,397 |
Residential CRE | - |  |  | - |  | 1 |  |  | 33 |
| Total commercial real estate | 2 |  |  | 389 |  | 4 |  |  | 1,430 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |
HELOC | 4 |  |  | 307 |  | 7 |  |  | 344 |
R/E installment loans | 3 |  |  | 118 |  | 4 |  |  | 129 |
| Total consumer real estate | 7 |  |  | 425 |  | 11 |  |  | 473 |
Permanent mortgage | - |  |  | - |  | 9 |  |  | 4,398 |
Credit card & other | 2 |  |  | 4 |  | 2 |  |  | 5 |
Total troubled debt restructurings | 15 |  | $ | 1,330 |  | 33 |  | $ | 12,358 |

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