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Loans (Tables) | 3 Months Ended
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Mar. 31, 2017
Loans [Abstract] |
Schedule Of Loans By Portfolio Segment |
The following table provides the balance of loans by portfolio segment as of March 31, 2017 and December 31, 2016:
|  | March 31 |  | December 31
(Dollars in thousands) | 2017 |  | 2016
Commercial: |  |  |  |  |
| Commercial, financial, and industrial | $ | 11,703,996 |  | $ | 12,148,087
| Commercial real estate |  | 2,173,311 |  |  | 2,135,523
Consumer: |  |  |  |  |
| Consumer real estate (a) |  | 4,456,811 |  |  | 4,523,752
| Permanent mortgage |  | 409,235 |  |  | 423,125
| Credit card & other |  | 346,721 |  |  | 359,033
Loans, net of unearned income | $ | 19,090,074 |  | $ | 19,589,520
Allowance for loan losses |  | 201,968 |  |  | 202,068
Total net loans | $ | 18,888,106 |  | $ | 19,387,452
Balances as of March 3 1, 201 7 and December 31, 201 6, include $32.5 million and $35.9 million of restricted real estate loans, respectively. See Note 13 - 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, 2017 and 2016:
|  | Three Months Ended
|  | March 31
(Dollars in thousands) |  | 2017 |  |  | 2016
Balance, beginning of period | $ | 6,871 |  | $ | 8,542
Accretion |  | (851) |  |  | (1,151)
Adjustment for payoffs |  | (273) |  |  | (1,777)
Adjustment for charge-offs |  | - |  |  | (663)
Adjustment for pool excess recovery (a) |  | (222) |  |  | -
Increase/(decrease) in accretable yield (b) |  | (295) |  |  | 4,007
Other |  | (32) |  |  | -
Balance, end of period | $ | 5,198 |  | $ | 8,958
Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state. 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] |
The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of March 31, 2017 and December 31, 2016:
| March 31, 2017 |  | December 31, 2016
(Dollars in thousands) | Carrying value |  | Unpaid balance |  | Carrying value |  | Unpaid balance
Commercial, financial and industrial | $ | 38,088 |  | $ | 39,257 |  | $ | 40,368 |  | $ | 41,608
Commercial real estate |  | 4,096 |  |  | 5,466 |  |  | 4,763 |  |  | 6,514
Consumer real estate |  | 1,072 |  |  | 1,442 |  |  | 1,172 |  |  | 1,677
Credit card and other |  | 53 |  |  | 64 |  |  | 52 |  |  | 64
Total | $ | 43,309 |  | $ | 46,229 |  | $ | 46,355 |  | $ | 49,863
Information By Class Related To Individually Impaired Loans |
The following tables provide information at March 31, 2017 and December 31, 2016, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. 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 the TRUPs valuation allowance have been excluded.
|  |  | Three Months Ended March 31
|  | March 31, 2017 |
|  |  | 2017 |  | 2016
|  |  |  |  | Unpaid |  |  |  |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded | Principal | Related |  | Recorded |  | Income |  | Recorded |  | Income
(Dollars in thousands) | Investment | Balance | Allowance |  | Investment |  | Recognized |  | Investment |  | Recognized
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 10,395 |  | $ | 16,612 |  | $ | - |  | $ | 10,407 |  | $ | - |  | $ | 9,224 |  | $ | -
| Income CRE |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,468 |  |  | -
| Total | $ | 10,395 |  | $ | 16,612 |  | $ | - |  | $ | 10,407 |  | $ | - |  | $ | 11,692 |  | $ | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC (a) | $ | 10,724 |  | $ | 22,020 |  | $ | - |  | $ | 11,054 |  | $ | - |  | $ | 10,921 |  | $ | -
| R/E installment loans (a) |  | 3,916 |  |  | 4,987 |  |  | - |  |  | 3,937 |  |  | - |  |  | 4,434 |  |  | -
| Permanent mortgage (a) |  | 5,803 |  |  | 8,607 |  |  | - |  |  | 5,557 |  |  | - |  |  | 4,436 |  |  | -
| Total | $ | 20,443 |  | $ | 35,614 |  | $ | - |  | $ | 20,548 |  | $ | - |  | $ | 19,791 |  | $ | -
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 31,392 |  | $ | 31,532 |  | $ | 2,850 |  | $ | 32,863 |  | $ | 215 |  | $ | 24,921 |  | $ | 87
| TRUPS |  | 3,183 |  |  | 3,700 |  |  | 925 |  |  | 3,196 |  |  | - |  |  | 3,323 |  |  | -
| Income CRE |  | 1,803 |  |  | 2,181 |  |  | 61 |  |  | 1,817 |  |  | 14 |  |  | 5,138 |  |  | 20
| Residential CRE |  | 1,293 |  |  | 1,761 |  |  | 131 |  |  | 1,293 |  |  | 5 |  |  | 1,397 |  |  | 6
| Total | $ | 37,671 |  | $ | 39,174 |  | $ | 3,967 |  | $ | 39,169 |  | $ | 234 |  | $ | 34,779 |  | $ | 113
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC | $ | 81,438 |  | $ | 83,888 |  | $ | 16,641 |  | $ | 83,075 |  | $ | 564 |  | $ | 88,580 |  | $ | 487
| R/E installment loans |  | 50,394 |  |  | 51,317 |  |  | 12,060 |  |  | 51,902 |  |  | 318 |  |  | 59,971 |  |  | 317
| Permanent mortgage |  | 82,940 |  |  | 94,755 |  |  | 11,532 |  |  | 85,778 |  |  | 615 |  |  | 95,232 |  |  | 547
| Credit card & other |  | 269 |  |  | 269 |  |  | 122 |  |  | 288 |  |  | 2 |  |  | 360 |  |  | 3
| Total | $ | 215,041 |  | $ | 230,229 |  | $ | 40,355 |  | $ | 221,043 |  | $ | 1,499 |  | $ | 244,143 |  | $ | 1,354
Total commercial | $ | 48,066 |  | $ | 55,786 |  | $ | 3,967 |  | $ | 49,576 |  | $ | 234 |  | $ | 46,471 |  | $ | 113
Total consumer | $ | 235,484 |  | $ | 265,843 |  | $ | 40,355 |  | $ | 241,591 |  | $ | 1,499 |  | $ | 263,934 |  | $ | 1,354
Total impaired loans | $ | 283,550 |  | $ | 321,629 |  | $ | 44,322 |  | $ | 291,167 |  | $ | 1,733 |  | $ | 310,405 |  | $ | 1,467
All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
|  | December 31, 2016
|  |  |  |  | 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 | $ | 10,419 |  | $ | 16,636 |  | $ | - |  | $ | 12,009 |  | $ | -
| Income CRE |  | - |  |  | - |  |  | - |  |  | 1,543 |  |  | -
| Total | $ | 10,419 |  | $ | 16,636 |  | $ | - |  | $ | 13,552 |  | $ | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC (a) | $ | 11,383 |  | $ | 21,662 |  | $ | - |  | $ | 11,168 |  | $ | -
| R/E installment loans (a) |  | 3,957 |  |  | 4,992 |  |  | - |  |  | 4,255 |  |  | -
| Permanent mortgage (a) |  | 5,311 |  |  | 7,899 |  |  | - |  |  | 4,418 |  |  | -
| Total | $ | 20,651 |  | $ | 34,553 |  | $ | - |  | $ | 19,841 |  | $ | -
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| General C&I | $ | 34,334 |  | $ | 34,470 |  | $ | 3,294 |  | $ | 30,836 |  | $ | 902
| TRUPS |  | 3,209 |  |  | 3,700 |  |  | 925 |  |  | 3,274 |  |  | -
| Income CRE |  | 1,831 |  |  | 2,209 |  |  | 62 |  |  | 3,757 |  |  | 70
| Residential CRE |  | 1,293 |  |  | 1,761 |  |  | 132 |  |  | 1,360 |  |  | 22
| Total | $ | 40,667 |  | $ | 42,140 |  | $ | 4,413 |  | $ | 39,227 |  | $ | 994
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HELOC | $ | 84,711 |  | $ | 87,126 |  | $ | 15,927 |  | $ | 87,659 |  | $ | 2,092
| R/E installment loans |  | 53,409 |  |  | 54,559 |  |  | 12,875 |  |  | 57,906 |  |  | 1,370
| Permanent mortgage |  | 88,615 |  |  | 100,983 |  |  | 12,470 |  |  | 91,838 |  |  | 2,310
| Credit card & other |  | 306 |  |  | 306 |  |  | 133 |  |  | 345 |  |  | 13
| Total | $ | 227,041 |  | $ | 242,974 |  | $ | 41,405 |  | $ | 237,748 |  | $ | 5,785
Total commercial | $ | 51,086 |  | $ | 58,776 |  | $ | 4,413 |  | $ | 52,779 |  | $ | 994
Total consumer | $ | 247,692 |  | $ | 277,527 |  | $ | 41,405 |  | $ | 257,589 |  | $ | 5,785
Total impaired loans | $ | 298,778 |  | $ | 336,303 |  | $ | 45,818 |  | $ | 310,368 |  | $ | 6,779
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, 2017 and December 31, 2016:
| March 31, 2017
|  |  |  | 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 | $ | 478,025 |  | $ | - |  | $ | - |  | $ | 610 |  | $ | - |  | $ | 478,635 |  |  | 3 | % |  | $ | 78
2 |  | 891,450 |  |  | - |  |  | - |  |  | 11,293 |  |  | 81 |  |  | 902,824 |  |  | 7 |  |  |  | 442
3 |  | 403,403 |  |  | 398,860 |  |  | - |  |  | 160,115 |  |  | - |  |  | 962,378 |  |  | 7 |  |  |  | 239
4 |  | 998,015 |  |  | 227,257 |  |  | - |  |  | 242,069 |  |  | 221 |  |  | 1,467,562 |  |  | 11 |  |  |  | 879
5 |  | 1,269,384 |  |  | 139,434 |  |  | - |  |  | 426,147 |  |  | 333 |  |  | 1,835,298 |  |  | 13 |  |  |  | 7,260
6 |  | 1,535,573 |  |  | 521,253 |  |  | - |  |  | 368,073 |  |  | 8,072 |  |  | 2,432,971 |  |  | 17 |  |  |  | 10,600
7 |  | 1,479,242 |  |  | 169,444 |  |  | - |  |  | 396,654 |  |  | 2,161 |  |  | 2,047,501 |  |  | 15 |  |  |  | 12,767
8 |  | 1,042,772 |  |  | 49,588 |  |  | - |  |  | 352,370 |  |  | 4,383 |  |  | 1,449,113 |  |  | 10 |  |  |  | 24,532
9 |  | 641,463 |  |  | 4,643 |  |  | - |  |  | 82,734 |  |  | 3,357 |  |  | 732,197 |  |  | 5 |  |  |  | 14,396
10 |  | 344,633 |  |  | 4,499 |  |  | - |  |  | 35,489 |  |  | 9,695 |  |  | 394,316 |  |  | 3 |  |  |  | 8,510
11 |  | 228,258 |  |  | - |  |  | - |  |  | 17,501 |  |  | 5,454 |  |  | 251,213 |  |  | 2 |  |  |  | 6,289
12 |  | 162,238 |  |  | 13,956 |  |  | - |  |  | 15,831 |  |  | 2,965 |  |  | 194,990 |  |  | 1 |  |  |  | 6,862
13 |  | 115,844 |  |  | - |  |  | 304,236 |  |  | 4,755 |  |  | 128 |  |  | 424,963 |  |  | 3 |  |  |  | 3,757
14,15,16 |  | 197,230 |  |  | 48 |  |  | - |  |  | 14,395 |  |  | 1,183 |  |  | 212,856 |  |  | 2 |  |  |  | 23,177
Collectively evaluated for impairment |  | 9,787,530 |  |  | 1,528,982 |  |  | 304,236 |  |  | 2,128,036 |  |  | 38,033 |  |  | 13,786,817 |  |  | 99 |  |  |  | 119,788
Individually evaluated for impairment |  | 41,787 |  |  | - |  |  | 3,183 |  |  | 1,803 |  |  | 1,293 |  |  | 48,066 |  |  | 1 |  |  |  | 3,967
Purchased credit-impaired loans |  | 38,278 |  |  | - |  |  | - |  |  | 4,052 |  |  | 94 |  |  | 42,424 |  |  | - |  |  |  | 240
Total commercial loans | $ | 9,867,595 |  | $ | 1,528,982 |  | $ | 307,419 |  | $ | 2,133,891 |  | $ | 39,420 |  | $ | 13,877,307 |  |  | 100 | % |  | $ | 123,995
| December 31, 2016
|  |  |  | 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 | $ | 465,179 |  | $ | - |  | $ | - |  | $ | 1,078 |  | $ | - |  | $ | 466,257 |  |  | 3 | % |  | $ | 77
2 |  | 791,183 |  |  | - |  |  | - |  |  | 11,742 |  |  | 87 |  |  | 803,012 |  |  | 6 |  |  |  | 403
3 |  | 491,386 |  |  | 462,486 |  |  | - |  |  | 153,670 |  |  | - |  |  | 1,107,542 |  |  | 8 |  |  |  | 304
4 |  | 978,282 |  |  | 332,107 |  |  | - |  |  | 222,422 |  |  | - |  |  | 1,532,811 |  |  | 11 |  |  |  | 953
5 |  | 1,232,401 |  |  | 275,209 |  |  | - |  |  | 365,653 |  |  | 702 |  |  | 1,873,965 |  |  | 13 |  |  |  | 6,670
6 |  | 1,540,519 |  |  | 614,109 |  |  | - |  |  | 338,344 |  |  | 9,338 |  |  | 2,502,310 |  |  | 17 |  |  |  | 10,403
7 |  | 1,556,117 |  |  | 317,283 |  |  | - |  |  | 352,390 |  |  | 2,579 |  |  | 2,228,369 |  |  | 16 |  |  |  | 14,010
8 |  | 963,359 |  |  | 30,974 |  |  | - |  |  | 425,503 |  |  | 2,950 |  |  | 1,422,786 |  |  | 10 |  |  |  | 25,986
9 |  | 611,774 |  |  | 4,299 |  |  | - |  |  | 105,277 |  |  | 4,417 |  |  | 725,767 |  |  | 5 |  |  |  | 13,857
10 |  | 355,359 |  |  | 8,663 |  |  | - |  |  | 50,484 |  |  | 9,110 |  |  | 423,616 |  |  | 3 |  |  |  | 8,400
11 |  | 238,230 |  |  | - |  |  | - |  |  | 20,600 |  |  | 6,541 |  |  | 265,371 |  |  | 2 |  |  |  | 6,556
12 |  | 170,531 |  |  | - |  |  | - |  |  | 15,395 |  |  | 4,168 |  |  | 190,094 |  |  | 1 |  |  |  | 6,377
13 |  | 121,276 |  |  | - |  |  | 304,236 |  |  | 6,748 |  |  | 311 |  |  | 432,571 |  |  | 3 |  |  |  | 4,225
14,15,16 |  | 194,572 |  |  | 59 |  |  | - |  |  | 16,313 |  |  | 1,659 |  |  | 212,603 |  |  | 1 |  |  |  | 20,297
Collectively evaluated for impairment |  | 9,710,168 |  |  | 2,045,189 |  |  | 304,236 |  |  | 2,085,619 |  |  | 41,862 |  |  | 14,187,074 |  |  | 99 |  |  |  | 118,518
Individually evaluated for impairment |  | 44,753 |  |  | - |  |  | 3,209 |  |  | 1,831 |  |  | 1,293 |  |  | 51,086 |  |  | 1 |  |  |  | 4,413
Purchased credit-impaired loans |  | 40,532 |  |  | - |  |  | - |  |  | 4,583 |  |  | 335 |  |  | 45,450 |  |  | - |  |  |  | 319
Total commercial loans | $ | 9,795,453 |  | $ | 2,045,189 |  | $ | 307,445 |  | $ | 2,092,033 |  | $ | 43,490 |  | $ | 14,283,610 |  |  | 100 | % |  | $ | 123,250
Balances as of March 31, 2017 and December 31, 2016, presented net of a $25.5 million valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13".
Loans by FICO Score, Consumer |
The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of March 31, 2017 and December 31, 2016:
| March 31, 2017 |  | December 31, 2016
| HELOC | R/E Installment Loans | Permanent Mortgage |  | HELOC | R/E Installment Loans | Permanent Mortgage
FICO score 740 or greater | 57.6 | % | 70.1 | % | 45.5 | % |  | 56.9 | % | 70.3 | % | 45.0 | %
FICO score 720-739 | 8.8 |  | 8.0 |  | 8.7 |  |  | 8.8 |  | 8.3 |  | 9.5 |
FICO score 700-719 | 8.2 |  | 7.2 |  | 9.5 |  |  | 8.6 |  | 6.8 |  | 9.2 |
FICO score 660-699 | 12.6 |  | 9.0 |  | 16.8 |  |  | 13.2 |  | 8.4 |  | 17.1 |
FICO score 620-659 | 5.7 |  | 3.0 |  | 8.9 |  |  | 5.6 |  | 3.5 |  | 9.1 |
FICO score less than 620 (a) | 7.1 |  | 2.7 |  | 10.6 |  |  | 6.9 |  | 2.7 |  | 10.1 |
Total | 100.0 | % | 100.0 | % | 100.0 | % |  | 100.0 | % | 100.0 | % | 100.0 | %
For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned.
Accruing And Non-Accruing Loans By Class |
The following table reflects accruing and non-accruing loans by class on March 31, 2017:
| 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 | $ | 9,781,688 |  | $ | 20,073 |  | $ | 101 |  | $ | 9,801,862 |  | $ | 14,511 |  | $ | 113 |  | $ | 12,831 |  | $ | 27,455 |  | $ | 9,829,317
Loans to mortgage companies |  | 1,528,934 |  |  | - |  |  | - |  |  | 1,528,934 |  |  | - |  |  | - |  |  | 48 |  |  | 48 |  |  | 1,528,982
TRUPS (a) |  | 304,236 |  |  | - |  |  | - |  |  | 304,236 |  |  | - |  |  | - |  |  | 3,183 |  |  | 3,183 |  |  | 307,419
Purchased credit-impaired loans |  | 38,045 |  |  | 8 |  |  | 225 |  |  | 38,278 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 38,278
Total commercial (C&I) |  | 11,652,903 |  |  | 20,081 |  |  | 326 |  |  | 11,673,310 |  |  | 14,511 |  |  | 113 |  |  | 16,062 |  |  | 30,686 |  |  | 11,703,996
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 2,128,111 |  |  | 128 |  |  | - |  |  | 2,128,239 |  |  | 100 |  |  | - |  |  | 1,500 |  |  | 1,600 |  |  | 2,129,839
Residential CRE |  | 38,531 |  |  | - |  |  | - |  |  | 38,531 |  |  | - |  |  | - |  |  | 795 |  |  | 795 |  |  | 39,326
Purchased credit-impaired loans |  | 3,605 |  |  | 541 |  |  | - |  |  | 4,146 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,146
Total commercial real estate |  | 2,170,247 |  |  | 669 |  |  | - |  |  | 2,170,916 |  |  | 100 |  |  | - |  |  | 2,295 |  |  | 2,395 |  |  | 2,173,311
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,521,042 |  |  | 16,612 |  |  | 10,247 |  |  | 1,547,901 |  |  | 46,661 |  |  | 4,187 |  |  | 8,345 |  |  | 59,193 |  |  | 1,607,094
R/E installment loans |  | 2,814,663 |  |  | 7,056 |  |  | 4,427 |  |  | 2,826,146 |  |  | 17,477 |  |  | 1,993 |  |  | 2,679 |  |  | 22,149 |  |  | 2,848,295
Purchased credit-impaired loans |  | 1,328 |  |  | - |  |  | 94 |  |  | 1,422 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,422
Total consumer real estate |  | 4,337,033 |  |  | 23,668 |  |  | 14,768 |  |  | 4,375,469 |  |  | 64,138 |  |  | 6,180 |  |  | 11,024 |  |  | 81,342 |  |  | 4,456,811
Permanent mortgage |  | 369,882 |  |  | 4,802 |  |  | 5,718 |  |  | 380,402 |  |  | 14,166 |  |  | 1,006 |  |  | 13,661 |  |  | 28,833 |  |  | 409,235
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 182,129 |  |  | 1,393 |  |  | 1,449 |  |  | 184,971 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 184,971
Other |  | 160,929 |  |  | 482 |  |  | 150 |  |  | 161,561 |  |  | - |  |  | - |  |  | 136 |  |  | 136 |  |  | 161,697
Purchased credit-impaired loans |  | 53 |  |  | - |  |  | - |  |  | 53 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 53
Total credit card & other |  | 343,111 |  |  | 1,875 |  |  | 1,599 |  |  | 346,585 |  |  | - |  |  | - |  |  | 136 |  |  | 136 |  |  | 346,721
Total loans, net of unearned income | $ | 18,873,176 |  | $ | 51,095 |  | $ | 22,411 |  | $ | 18,946,682 |  | $ | 92,915 |  | $ | 7,299 |  | $ | 43,178 |  | $ | 143,392 |  | $ | 19,090,074
TRUPS is presented net of the valuation allowance of $25.5 million.
The following table reflects accruing and non-accruing loans by class on December 31, 2016:
| 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 | $ | 9,720,231 |  | $ | 5,199 |  | $ | 23 |  | $ | 9,725,453 |  | $ | 16,106 |  | $ | 374 |  | $ | 12,988 |  | $ | 29,468 |  | $ | 9,754,921
Loans to mortgage companies |  | 2,041,408 |  |  | 3,722 |  |  | - |  |  | 2,045,130 |  |  | - |  |  | - |  |  | 59 |  |  | 59 |  |  | 2,045,189
TRUPS (a) |  | 304,236 |  |  | - |  |  | - |  |  | 304,236 |  |  | - |  |  | - |  |  | 3,209 |  |  | 3,209 |  |  | 307,445
Purchased credit-impaired loans |  | 40,113 |  |  | 185 |  |  | 234 |  |  | 40,532 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 40,532
Total commercial (C&I) |  | 12,105,988 |  |  | 9,106 |  |  | 257 |  |  | 12,115,351 |  |  | 16,106 |  |  | 374 |  |  | 16,256 |  |  | 32,736 |  |  | 12,148,087
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 2,085,455 |  |  | 14 |  |  | - |  |  | 2,085,469 |  |  | 232 |  |  | 460 |  |  | 1,289 |  |  | 1,981 |  |  | 2,087,450
Residential CRE |  | 42,182 |  |  | 178 |  |  | - |  |  | 42,360 |  |  | - |  |  | - |  |  | 795 |  |  | 795 |  |  | 43,155
Purchased credit-impaired loans |  | 4,809 |  |  | 109 |  |  | - |  |  | 4,918 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,918
Total commercial real estate |  | 2,132,446 |  |  | 301 |  |  | - |  |  | 2,132,747 |  |  | 232 |  |  | 460 |  |  | 2,084 |  |  | 2,776 |  |  | 2,135,523
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,602,640 |  |  | 17,997 |  |  | 10,859 |  |  | 1,631,496 |  |  | 46,964 |  |  | 4,201 |  |  | 8,922 |  |  | 60,087 |  |  | 1,691,583
R/E installment loans |  | 2,794,866 |  |  | 7,844 |  |  | 5,158 |  |  | 2,807,868 |  |  | 17,989 |  |  | 2,383 |  |  | 2,353 |  |  | 22,725 |  |  | 2,830,593
Purchased credit-impaired loans |  | 1,319 |  |  | 164 |  |  | 93 |  |  | 1,576 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,576
Total consumer real estate |  | 4,398,825 |  |  | 26,005 |  |  | 16,110 |  |  | 4,440,940 |  |  | 64,953 |  |  | 6,584 |  |  | 11,275 |  |  | 82,812 |  |  | 4,523,752
Permanent mortgage |  | 385,972 |  |  | 4,544 |  |  | 5,428 |  |  | 395,944 |  |  | 11,867 |  |  | 2,194 |  |  | 13,120 |  |  | 27,181 |  |  | 423,125
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 188,573 |  |  | 1,622 |  |  | 1,456 |  |  | 191,651 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 191,651
Other |  | 166,062 |  |  | 992 |  |  | 134 |  |  | 167,188 |  |  | - |  |  | - |  |  | 142 |  |  | 142 |  |  | 167,330
Purchased credit-impaired loans |  | 52 |  |  | - |  |  | - |  |  | 52 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 52
Total credit card & other |  | 354,687 |  |  | 2,614 |  |  | 1,590 |  |  | 358,891 |  |  | - |  |  | - |  |  | 142 |  |  | 142 |  |  | 359,033
Total loans, net of unearned income | $ | 19,377,918 |  | $ | 42,570 |  | $ | 23,385 |  | $ | 19,443,873 |  | $ | 93,158 |  | $ | 9,612 |  | $ | 42,877 |  | $ | 145,647 |  | $ | 19,589,520
TRUPS is presented net of the valuation allowance of $25.5 million.
Schedule Of Troubled Debt Restructurings Occurring During The Year |
The following tables reflect portfolio loans that were classified as TDRs during the three months ended March 31, 2017 and 2016:
|  | March 31, 2017 |  | March 31, 2016
|  |  |  | 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 | 1 |  | $ | 27 |  | $ | 37 |  | 1 |  | $ | 708 |  | $ | 708
| Total commercial (C&I) | 1 |  |  | 27 |  |  | 37 |  | 1 |  |  | 708 |  |  | 708
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC | 35 |  |  | 2,589 |  |  | 2,473 |  | 99 |  |  | 7,440 |  |  | 7,370
R/E installment loans | 14 |  |  | 957 |  |  | 902 |  | 15 |  |  | 898 |  |  | 895
| Total consumer real estate | 49 |  |  | 3,546 |  |  | 3,375 |  | 114 |  |  | 8,338 |  |  | 8,265
Permanent mortgage | 5 |  |  | 1,310 |  |  | 1,303 |  | - |  |  | - |  |  | -
Credit card & other | 6 |  |  | 21 |  |  | 20 |  | 4 |  |  | 19 |  |  | 18
Total troubled debt restructurings | 61 |  | $ | 4,904 |  | $ | 4,735 |  | 119 |  | $ | 9,065 |  | $ | 8,991
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months |
The following tables present TDRs which re-defaulted during the three months ended March 31, 2017 and 2016, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.
|  | March 31, 2017 |  | March 31, 2016
|  |  |  | Recorded |  |  |  | Recorded
(Dollars in thousands) | Number |  | Investment |  | Number |  | Investment
Commercial (C&I): |  |  |  |  |  |  |  |  |
General C&I | 1 |  | $ | 5,779 |  | - |  | $ | -
| Total commercial (C&I) | 1 |  |  | 5,779 |  | - |  |  | -
Consumer real estate: |  |  |  |  |  |  |  |  |
HELOC | 4 |  |  | 685 |  | 1 |  |  | 36
| Total consumer real estate | 4 |  |  | 685 |  | 1 |  |  | 36
Credit card & other | 2 |  |  | 7 |  | - |  |  | -
Total troubled debt restructurings | 7 |  | $ | 6,471 |  | 1 |  | $ | 36

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