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Loans (Tables) | 9 Months Ended
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Sep. 30, 2018
Receivables [Abstract] |
Schedule Of Loans By Portfolio Segment | The following table provides the balance of loans, net of unearned income, by portfolio segment as of September 30, 2018 and December 31, 2017:
|  | September 30 |  | December 31
(Dollars in thousands) |  | 2018 |  | 2017
Commercial: |  |  |  |
Commercial, financial, and industrial |  | $ | 16,044,145 |  |  | $ | 16,057,273 |
Commercial real estate |  | 4,237,036 |  |  | 4,214,695 |
Consumer: |  |  |  |
Consumer real estate (a) |  | 6,191,183 |  |  | 6,367,755 |
Permanent mortgage |  | 347,054 |  |  | 399,307 |
Credit card & other |  | 530,796 |  |  | 619,899 |
Loans, net of unearned income |  | $ | 27,350,214 |  |  | $ | 27,658,929 |
Allowance for loan losses |  | 185,959 |  |  | 189,555 |
Total net loans |  | $ | 27,164,255 |  |  | $ | 27,469,374 |
(a) | Balances as of September 30, 2018 and December 31, 2017, include $17.1 million and $24.2 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 | The following table presents a rollforward of the accretable yield for the three and nine months ended September 30, 2018 and 2017:
|  | Three Months Ended September 30 |  | Nine Months Ended September 30
(Dollars in thousands) |  | 2018 |  | 2017 |  | 2018 |  | 2017
Balance, beginning of period |  | $ | 14,474 |  |  | $ | 4,045 |  |  | $ | 15,623 |  |  | $ | 6,871 |
Accretion |  | (2,183 | ) |  | (642 | ) |  | (6,927 | ) |  | (2,412 | )
Adjustment for payoffs |  | (840 | ) |  | (198 | ) |  | (2,559 | ) |  | (1,232 | )
Adjustment for charge-offs |  | (122 | ) |  | — |  |  | (1,046 | ) |  | — |
Adjustment for pool excess recovery (a) |  | (123 | ) |  | — |  |  | (123 | ) |  | (222 | )
Increase/(decrease) in accretable yield (b) |  | 4,062 |  |  | (2 | ) |  | 10,721 |  |  | 112 |
Disposals |  | — |  |  | — |  |  | (240 | ) |  | — |
Other |  | — |  |  | — |  |  | (181 | ) |  | 86 |
Balance, end of period |  | $ | 15,268 |  |  | $ | 3,203 |  |  | $ | 15,268 |  |  | $ | 3,203 |
(a) | Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state.
(b) | Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing and amounts of the cash flows.
Schedule Of Acquired Purchase Credit Impaired Loans By Portfolio Segment | The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of September 30, 2018 and December 31, 2017:
|  | September 30, 2018 |  | December 31, 2017
(Dollars in thousands) |  | Carrying value |  | Unpaid balance |  | Carrying value |  | Unpaid balance
Commercial, financial and industrial |  | $ | 47,841 |  |  | $ | 53,265 |  |  | $ | 96,598 |  |  | $ | 109,280 |
Commercial real estate |  | 23,174 |  |  | 26,970 |  |  | 36,107 |  |  | 41,488 |
Consumer real estate |  | 33,203 |  |  | 37,900 |  |  | 38,176 |  |  | 42,568 |
Credit card and other |  | 2,229 |  |  | 2,545 |  |  | 5,500 |  |  | 6,351 |
Total |  | $ | 106,447 |  |  | $ | 120,680 |  |  | $ | 176,381 |  |  | $ | 199,687 |
Information By Class Related To Individually Impaired Loans | The following tables provide information at September 30, 2018 and December 31, 2017, 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, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPs valuation allowance have been excluded.
|  | September 30, 2018 |  | December 31, 2017
(Dollars in thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 21,555 |  |  | $ | 21,910 |  |  | $ | — |  |  | $ | 8,183 |  |  | $ | 17,372 |  |  | $ | — |
Income CRE |  | 1,611 |  |  | 1,611 |  |  | — |  |  | — |  |  | — |  |  | — |
Residential CRE |  | 495 |  |  | 963 |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 23,661 |  |  | $ | 24,484 |  |  | $ | — |  |  | $ | 8,183 |  |  | $ | 17,372 |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
HELOC (a) |  | $ | 7,874 |  |  | $ | 15,869 |  |  | $ | — |  |  | $ | 9,258 |  |  | $ | 19,193 |  |  | $ | — |
R/E installment loans (a) |  | 5,891 |  |  | 6,518 |  |  | — |  |  | 4,093 |  |  | 4,663 |  |  | — |
Permanent mortgage (a) |  | 3,703 |  |  | 6,043 |  |  | — |  |  | 5,132 |  |  | 7,688 |  |  | — |
Total |  | $ | 17,468 |  |  | $ | 28,430 |  |  | $ | — |  |  | $ | 18,483 |  |  | $ | 31,544 |  |  | $ | — |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 29,058 |  |  | $ | 29,058 |  |  | $ | 5,103 |  |  | $ | 31,774 |  |  | $ | 38,256 |  |  | $ | 5,119 |
TRUPs |  | 2,936 |  |  | 3,700 |  |  | 925 |  |  | 3,067 |  |  | 3,700 |  |  | 925 |
Income CRE |  | 397 |  |  | 397 |  |  | — |  |  | 1,612 |  |  | 1,612 |  |  | 49 |
Residential CRE |  | — |  |  | — |  |  | — |  |  | 795 |  |  | 1,263 |  |  | 83 |
Total |  | $ | 32,391 |  |  | $ | 33,155 |  |  | $ | 6,028 |  |  | $ | 37,248 |  |  | $ | 44,831 |  |  | $ | 6,176 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | $ | 67,086 |  |  | $ | 70,168 |  |  | $ | 11,136 |  |  | $ | 72,469 |  |  | $ | 75,207 |  |  | $ | 14,382 |
R/E installment loans |  | 38,878 |  |  | 39,581 |  |  | 6,940 |  |  | 43,075 |  |  | 43,827 |  |  | 8,793 |
Permanent mortgage |  | 71,130 |  |  | 81,971 |  |  | 9,996 |  |  | 79,662 |  |  | 90,934 |  |  | 12,105 |
Credit card & other |  | 552 |  |  | 552 |  |  | 293 |  |  | 593 |  |  | 593 |  |  | 311 |
Total |  | $ | 177,646 |  |  | $ | 192,272 |  |  | $ | 28,365 |  |  | $ | 195,799 |  |  | $ | 210,561 |  |  | $ | 35,591 |
Total commercial |  | $ | 56,052 |  |  | $ | 57,639 |  |  | $ | 6,028 |  |  | $ | 45,431 |  |  | $ | 62,203 |  |  | $ | 6,176 |
Total consumer |  | $ | 195,114 |  |  | $ | 220,702 |  |  | $ | 28,365 |  |  | $ | 214,282 |  |  | $ | 242,105 |  |  | $ | 35,591 |
Total impaired loans |  | $ | 251,166 |  |  | $ | 278,341 |  |  | $ | 34,393 |  |  | $ | 259,713 |  |  | $ | 304,308 |  |  | $ | 41,767 |
(a) | All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance.
|  | Three Months Ended September 30 |  | Nine months ended September 30
|  | 2018 |  | 2017 |  | 2018 |  | 2017
(Dollars in thousands) |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 23,740 |  |  | $ | 203 |  |  | $ | 5,771 |  |  | $ | — |  |  | $ | 21,506 |  |  | $ | 561 |  |  | $ | 8,706 |  |  | $ | — |
Income CRE |  | 1,680 |  |  | 12 |  |  | — |  |  | — |  |  | 1,379 |  |  | 37 |  |  | — |  |  | — |
Residential CRE |  | 500 |  |  | — |  |  | — |  |  | — |  |  | 416 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 25,920 |  |  | $ | 215 |  |  | $ | 5,771 |  |  | $ | — |  |  | $ | 23,301 |  |  | $ | 598 |  |  | $ | 8,706 |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC (a) |  | $ | 8,343 |  |  | $ | — |  |  | $ | 10,225 |  |  | $ | — |  |  | $ | 8,878 |  |  | $ | — |  |  | $ | 10,536 |  |  | $ | — |
R/E installment loans (a) |  | 4,631 |  |  | — |  |  | 4,182 |  |  | — |  |  | 4,032 |  |  | — |  |  | 4,014 |  |  | — |
Permanent mortgage (a) |  | 3,949 |  |  | — |  |  | 5,693 |  |  | — |  |  | 4,638 |  |  | — |  |  | 5,701 |  |  | — |
Total |  | $ | 16,923 |  |  | $ | — |  |  | $ | 20,100 |  |  | $ | — |  |  | $ | 17,548 |  |  | $ | — |  |  | $ | 20,251 |  |  | $ | — |
Impaired loans with related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 16,375 |  |  | $ | — |  |  | $ | 26,144 |  |  | $ | 193 |  |  | $ | 16,038 |  |  | $ | — |  |  | $ | 29,136 |  |  | $ | 597 |
TRUPs |  | 2,960 |  |  | — |  |  | 3,117 |  |  | — |  |  | 3,004 |  |  | — |  |  | 3,157 |  |  | — |
Income CRE |  | 199 |  |  | 5 |  |  | 1,628 |  |  | 11 |  |  | 335 |  |  | 5 |  |  | 1,737 |  |  | 39 |
Residential CRE |  | — |  |  | — |  |  | 1,044 |  |  | — |  |  | 133 |  |  | — |  |  | 1,210 |  |  | 10 |
Total |  | $ | 19,534 |  |  | $ | 5 |  |  | $ | 31,933 |  |  | $ | 204 |  |  | $ | 19,510 |  |  | $ | 5 |  |  | $ | 35,240 |  |  | $ | 646 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | $ | 68,913 |  |  | $ | 556 |  |  | $ | 74,894 |  |  | $ | 554 |  |  | $ | 70,452 |  |  | $ | 1,711 |  |  | $ | 78,859 |  |  | $ | 1,695 |
R/E installment loans |  | 39,147 |  |  | 246 |  |  | 47,628 |  |  | 315 |  |  | 40,512 |  |  | 764 |  |  | 49,634 |  |  | 950 |
Permanent mortgage |  | 71,898 |  |  | 585 |  |  | 79,305 |  |  | 616 |  |  | 74,617 |  |  | 1,737 |  |  | 82,186 |  |  | 1,805 |
Credit card & other |  | 578 |  |  | 3 |  |  | 452 |  |  | 3 |  |  | 626 |  |  | 9 |  |  | 351 |  |  | 8 |
Total |  | $ | 180,536 |  |  | $ | 1,390 |  |  | $ | 202,279 |  |  | $ | 1,488 |  |  | $ | 186,207 |  |  | $ | 4,221 |  |  | $ | 211,030 |  |  | $ | 4,458 |
Total commercial |  | $ | 45,454 |  |  | $ | 220 |  |  | $ | 37,704 |  |  | $ | 204 |  |  | $ | 42,811 |  |  | $ | 603 |  |  | $ | 43,946 |  |  | $ | 646 |
Total consumer |  | $ | 197,459 |  |  | $ | 1,390 |  |  | $ | 222,379 |  |  | $ | 1,488 |  |  | $ | 203,755 |  |  | $ | 4,221 |  |  | $ | 231,281 |  |  | $ | 4,458 |
Total impaired loans |  | $ | 242,913 |  |  | $ | 1,610 |  |  | $ | 260,083 |  |  | $ | 1,692 |  |  | $ | 246,566 |  |  | $ | 4,824 |  |  | $ | 275,227 |  |  | $ | 5,104 |
(a) | 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 September 30, 2018 and December 31, 2017:
|  | September 30, 2018
(Dollars in thousands) |  | General C&I |  | Loans to Mortgage Companies |  | TRUPs (a) |  | Income CRE |  | Residential CRE |  | Total |  | Percentage of Total |  | Allowance for Loan Losses
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 |  | $ | 600,373 |  |  | $ | — |  |  | $ | — |  |  | $ | 418 |  |  | $ | — |  |  | $ | 600,791 |  |  | 3 | % |  | $ | 64 |
2 |  | 840,685 |  |  | — |  |  | — |  |  | 2,815 |  |  | 37 |  |  | 843,537 |  |  | 4 |  |  | 261 |
3 |  | 730,939 |  |  | 639,378 |  |  | — |  |  | 218,170 |  |  | 82 |  |  | 1,588,569 |  |  | 8 |  |  | 242 |
4 |  | 909,454 |  |  | 456,311 |  |  | — |  |  | 543,486 |  |  | 121 |  |  | 1,909,372 |  |  | 9 |  |  | 594 |
5 |  | 1,879,972 |  |  | 257,625 |  |  | 36,620 |  |  | 689,740 |  |  | 8,334 |  |  | 2,872,291 |  |  | 14 |  |  | 8,677 |
6 |  | 1,578,359 |  |  | 450,207 |  |  | 90,297 |  |  | 604,757 |  |  | 36,743 |  |  | 2,760,363 |  |  | 14 |  |  | 8,269 |
7 |  | 2,390,220 |  |  | 98,832 |  |  | 52,927 |  |  | 505,988 |  |  | 16,990 |  |  | 3,064,957 |  |  | 15 |  |  | 15,154 |
8 |  | 1,202,328 |  |  | 84,915 |  |  | 4,068 |  |  | 235,595 |  |  | 15,487 |  |  | 1,542,393 |  |  | 7 |  |  | 20,265 |
9 |  | 1,974,390 |  |  | 105,098 |  |  | 45,117 |  |  | 978,148 |  |  | 75,336 |  |  | 3,178,089 |  |  | 15 |  |  | 20,617 |
10 |  | 459,567 |  |  | — |  |  | 18,536 |  |  | 45,560 |  |  | 4,266 |  |  | 527,929 |  |  | 3 |  |  | 9,156 |
11 |  | 283,724 |  |  | — |  |  | — |  |  | 52,546 |  |  | 396 |  |  | 336,666 |  |  | 2 |  |  | 8,033 |
12 |  | 275,015 |  |  | — |  |  | — |  |  | 100,868 |  |  | 5,759 |  |  | 381,642 |  |  | 2 |  |  | 6,636 |
13 |  | 288,183 |  |  | — |  |  | 5,786 |  |  | 58,840 |  |  | 73 |  |  | 352,882 |  |  | 2 |  |  | 10,711 |
14,15,16 |  | 181,927 |  |  | — |  |  | — |  |  | 9,986 |  |  | 796 |  |  | 192,709 |  |  | 1 |  |  | 17,596 |
Collectively evaluated for impairment |  | 13,595,136 |  |  | 2,092,366 |  |  | 253,351 |  |  | 4,046,917 |  |  | 164,420 |  |  | 20,152,190 |  |  | 99 |  |  | 126,275 |
Individually evaluated for impairment |  | 50,613 |  |  | — |  |  | 2,936 |  |  | 2,008 |  |  | 495 |  |  | 56,052 |  |  | — |  |  | 6,028 |
Purchased credit-impaired loans |  | 49,743 |  |  | — |  |  | — |  |  | 19,573 |  |  | 3,623 |  |  | 72,939 |  |  | 1 |  |  | 1,926 |
Total commercial loans |  | $ | 13,695,492 |  |  | $ | 2,092,366 |  |  | $ | 256,287 |  |  | $ | 4,068,498 |  |  | $ | 168,538 |  |  | $ | 20,281,181 |  |  | 100 | % |  | $ | 134,229 |
(a) | Balances presented net of a $20.5 million valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade was “13” prior to second quarter 2018. In second quarter 2018, this portfolio was re-graded to align with the scorecard grading methodologies which resulted in upgrades to a majority of this portfolio. In 3Q18, FHN sold $55.5 million of TRUPs loans with a $5.0 million valuation allowance. Upon sale, a gain of $3.8 million was recognized in the Non-Strategic segment within Fixed Income in the Consolidated Condensed Statement of Income.
|  | December 31, 2017
(Dollars in thousands) |  | General C&I |  | Loans to Mortgage Companies |  | TRUPs (a) |  | Income CRE |  | Residential CRE |  | Total |  | Percentage of Total |  | Allowance for Loan Losses
PD Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 |  | $ | 536,244 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,500 |  |  | $ | — |  |  | $ | 538,744 |  |  | 3 | % |  | $ | 70 |
2 |  | 877,635 |  |  | — |  |  | — |  |  | 1,798 |  |  | 69 |  |  | 879,502 |  |  | 4 |  |  | 339 |
3 |  | 582,224 |  |  | 652,982 |  |  | — |  |  | 210,073 |  |  | 40 |  |  | 1,445,319 |  |  | 7 |  |  | 272 |
4 |  | 959,581 |  |  | 629,432 |  |  | — |  |  | 309,699 |  |  | — |  |  | 1,898,712 |  |  | 9 |  |  | 854 |
5 |  | 1,461,632 |  |  | 328,477 |  |  | — |  |  | 415,764 |  |  | 2,474 |  |  | 2,208,347 |  |  | 11 |  |  | 7,355 |
6 |  | 1,668,247 |  |  | 335,169 |  |  | — |  |  | 456,706 |  |  | 3,179 |  |  | 2,463,301 |  |  | 12 |  |  | 10,495 |
7 |  | 2,257,400 |  |  | 47,720 |  |  | — |  |  | 554,590 |  |  | 9,720 |  |  | 2,869,430 |  |  | 14 |  |  | 13,490 |
8 |  | 1,092,994 |  |  | 35,266 |  |  | — |  |  | 241,938 |  |  | 6,454 |  |  | 1,376,652 |  |  | 7 |  |  | 21,831 |
9 |  | 2,633,854 |  |  | 70,915 |  |  | — |  |  | 1,630,176 |  |  | 61,475 |  |  | 4,396,420 |  |  | 22 |  |  | 9,804 |
10 |  | 373,537 |  |  | — |  |  | — |  |  | 43,297 |  |  | 4,590 |  |  | 421,424 |  |  | 2 |  |  | 8,808 |
11 |  | 226,382 |  |  | — |  |  | — |  |  | 31,785 |  |  | 2,936 |  |  | 261,103 |  |  | 1 |  |  | 6,784 |
12 |  | 409,838 |  |  | — |  |  | — |  |  | 156,717 |  |  | 6,811 |  |  | 573,366 |  |  | 3 |  |  | 5,882 |
13 |  | 202,613 |  |  | — |  |  | 303,848 |  |  | 15,707 |  |  | 268 |  |  | 522,436 |  |  | 3 |  |  | 7,265 |
14,15,16 |  | 228,852 |  |  | — |  |  | — |  |  | 6,587 |  |  | 823 |  |  | 236,262 |  |  | 1 |  |  | 24,400 |
Collectively evaluated for impairment |  | 13,511,033 |  |  | 2,099,961 |  |  | 303,848 |  |  | 4,077,337 |  |  | 98,839 |  |  | 20,091,018 |  |  | 99 |  |  | 117,649 |
Individually evaluated for impairment |  | 39,957 |  |  | — |  |  | 3,067 |  |  | 1,612 |  |  | 795 |  |  | 45,431 |  |  | — |  |  | 6,176 |
Purchased credit-impaired loans |  | 99,407 |  |  | — |  |  | — |  |  | 31,615 |  |  | 4,497 |  |  | 135,519 |  |  | 1 |  |  | 2,813 |
Total commercial loans |  | $ | 13,650,397 |  |  | $ | 2,099,961 |  |  | $ | 306,915 |  |  | $ | 4,110,564 |  |  | $ | 104,131 |  |  | $ | 20,271,968 |  |  | 100 | % |  | $ | 126,638 |
(a) | Balances presented net of a $25.5 million valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade was “13” prior to second quarter 2018. In second quarter 2018, this portfolio was re-graded to align with the scorecard grading methodologies which resulted in upgrades to a majority of this portfolio.
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 September 30, 2018 and December 31, 2017:
|  | September 30, 2018 |  | December 31, 2017
|  | HELOC |  | R/E Installment Loans |  | Permanent Mortgage |  | HELOC |  | R/E Installment Loans |  | Permanent Mortgage
FICO score 740 or greater |  | 60.8 | % |  |  | 71.1 | % |  |  | 51.2 | % |  |  | 60.0 | % |  |  | 73.1 | % |  |  | 46.4 | % |
FICO score 720-739 |  | 8.5 |  |  |  | 9.0 |  |  |  | 8.5 |  |  |  | 8.7 |  |  |  | 8.0 |  |  |  | 12.8 |  |
FICO score 700-719 |  | 8.1 |  |  |  | 6.6 |  |  |  | 9.0 |  |  |  | 8.3 |  |  |  | 6.4 |  |  |  | 9.2 |  |
FICO score 660-699 |  | 10.9 |  |  |  | 8.0 |  |  |  | 15.9 |  |  |  | 11.1 |  |  |  | 7.2 |  |  |  | 14.8 |  |
FICO score 620-659 |  | 5.2 |  |  |  | 2.8 |  |  |  | 6.5 |  |  |  | 4.9 |  |  |  | 2.8 |  |  |  | 7.3 |  |
FICO score less than 620 (a) |  | 6.5 |  |  |  | 2.5 |  |  |  | 8.9 |  |  |  | 7.0 |  |  |  | 2.5 |  |  |  | 9.5 |  |
Total |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |  |  | 100.0 | % |
(a) | 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 September 30, 2018:
|  | Accruing |  | Non-Accruing |  |
(Dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 13,597,235 |  |  | $ | 9,202 |  |  | $ | 124 |  |  | $ | 13,606,561 |  |  | $ | 25,713 |  |  | $ | 1,284 |  |  | $ | 12,191 |  |  | $ | 39,188 |  |  | $ | 13,645,749 |
Loans to mortgage companies |  | 2,092,366 |  |  | — |  |  | — |  |  | 2,092,366 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,092,366 |
TRUPs (a) |  | 253,351 |  |  | — |  |  | — |  |  | 253,351 |  |  | — |  |  | — |  |  | 2,936 |  |  | 2,936 |  |  | 256,287 |
Purchased credit-impaired loans |  | 35,784 |  |  | 384 |  |  | 13,575 |  |  | 49,743 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49,743 |
Total commercial (C&I) |  | 15,978,736 |  |  | 9,586 |  |  | 13,699 |  |  | 16,002,021 |  |  | 25,713 |  |  | 1,284 |  |  | 15,127 |  |  | 42,124 |  |  | 16,044,145 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 4,041,797 |  |  | 6,652 |  |  | — |  |  | 4,048,449 |  |  | 35 |  |  | 37 |  |  | 404 |  |  | 476 |  |  | 4,048,925 |
Residential CRE |  | 164,338 |  |  | 47 |  |  | — |  |  | 164,385 |  |  | 35 |  |  | — |  |  | 495 |  |  | 530 |  |  | 164,915 |
Purchased credit-impaired loans |  | 21,373 |  |  | 1,718 |  |  | 105 |  |  | 23,196 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,196 |
Total commercial real estate |  | 4,227,508 |  |  | 8,417 |  |  | 105 |  |  | 4,236,030 |  |  | 70 |  |  | 37 |  |  | 899 |  |  | 1,006 |  |  | 4,237,036 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,495,298 |  |  | 14,582 |  |  | 8,531 |  |  | 1,518,411 |  |  | 48,400 |  |  | 4,038 |  |  | 7,611 |  |  | 60,049 |  |  | 1,578,460 |
R/E installment loans |  | 4,541,642 |  |  | 8,589 |  |  | 8,008 |  |  | 4,558,239 |  |  | 15,219 |  |  | 2,239 |  |  | 2,692 |  |  | 20,150 |  |  | 4,578,389 |
Purchased credit-impaired loans |  | 28,475 |  |  | 2,183 |  |  | 3,676 |  |  | 34,334 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 34,334 |
Total consumer real estate |  | 6,065,415 |  |  | 25,354 |  |  | 20,215 |  |  | 6,110,984 |  |  | 63,619 |  |  | 6,277 |  |  | 10,303 |  |  | 80,199 |  |  | 6,191,183 |
Permanent mortgage |  | 315,746 |  |  | 4,051 |  |  | 4,935 |  |  | 324,732 |  |  | 12,217 |  |  | 749 |  |  | 9,356 |  |  | 22,322 |  |  | 347,054 |
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 193,681 |  |  | 1,292 |  |  | 1,078 |  |  | 196,051 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 196,051 |
Other |  | 326,672 |  |  | 4,078 |  |  | 718 |  |  | 331,468 |  |  | 93 |  |  | 78 |  |  | 535 |  |  | 706 |  |  | 332,174 |
Purchased credit-impaired loans |  | 1,007 |  |  | 835 |  |  | 729 |  |  | 2,571 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,571 |
Total credit card & other |  | 521,360 |  |  | 6,205 |  |  | 2,525 |  |  | 530,090 |  |  | 93 |  |  | 78 |  |  | 535 |  |  | 706 |  |  | 530,796 |
Total loans, net of unearned income |  | $ | 27,108,765 |  |  | $ | 53,613 |  |  | $ | 41,479 |  |  | $ | 27,203,857 |  |  | $ | 101,712 |  |  | $ | 8,425 |  |  | $ | 36,220 |  |  | $ | 146,357 |  |  | $ | 27,350,214 |
(a) TRUPs is presented net of the valuation allowance of $20.5 million. The following table reflects accruing and non-accruing loans by class on December 31, 2017:
|  | Accruing |  | Non-Accruing |  |
(Dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | $ | 13,514,752 |  |  | $ | 8,057 |  |  | $ | 95 |  |  | $ | 13,522,904 |  |  | $ | 1,761 |  |  | $ | 7,019 |  |  | $ | 19,306 |  |  | $ | 28,086 |  |  | $ | 13,550,990 |
Loans to mortgage companies |  | 2,099,961 |  |  | — |  |  | — |  |  | 2,099,961 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,099,961 |
TRUPs (a) |  | 303,848 |  |  | — |  |  | — |  |  | 303,848 |  |  | — |  |  | — |  |  | 3,067 |  |  | 3,067 |  |  | 306,915 |
Purchased credit-impaired loans |  | 77,843 |  |  | 2,207 |  |  | 19,357 |  |  | 99,407 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 99,407 |
Total commercial (C&I) |  | 15,996,404 |  |  | 10,264 |  |  | 19,452 |  |  | 16,026,120 |  |  | 1,761 |  |  | 7,019 |  |  | 22,373 |  |  | 31,153 |  |  | 16,057,273 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 4,077,106 |  |  | 1,240 |  |  | — |  |  | 4,078,346 |  |  | 56 |  |  | — |  |  | 546 |  |  | 602 |  |  | 4,078,948 |
Residential CRE |  | 98,844 |  |  | — |  |  | — |  |  | 98,844 |  |  | — |  |  | — |  |  | 791 |  |  | 791 |  |  | 99,635 |
Purchased credit-impaired loans |  | 31,173 |  |  | 2,686 |  |  | 2,253 |  |  | 36,112 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 36,112 |
Total commercial real estate |  | 4,207,123 |  |  | 3,926 |  |  | 2,253 |  |  | 4,213,302 |  |  | 56 |  |  | — |  |  | 1,337 |  |  | 1,393 |  |  | 4,214,695 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 1,743,776 |  |  | 17,744 |  |  | 9,702 |  |  | 1,771,222 |  |  | 40,508 |  |  | 3,626 |  |  | 8,354 |  |  | 52,488 |  |  | 1,823,710 |
R/E installment loans |  | 4,475,669 |  |  | 7,274 |  |  | 3,573 |  |  | 4,486,516 |  |  | 14,439 |  |  | 1,957 |  |  | 2,603 |  |  | 18,999 |  |  | 4,505,515 |
Purchased credit-impaired loans |  | 35,356 |  |  | 2,016 |  |  | 1,158 |  |  | 38,530 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38,530 |
Total consumer real estate |  | 6,254,801 |  |  | 27,034 |  |  | 14,433 |  |  | 6,296,268 |  |  | 54,947 |  |  | 5,583 |  |  | 10,957 |  |  | 71,487 |  |  | 6,367,755 |
Permanent mortgage |  | 365,527 |  |  | 3,930 |  |  | 3,460 |  |  | 372,917 |  |  | 13,245 |  |  | 1,052 |  |  | 12,093 |  |  | 26,390 |  |  | 399,307 |
Credit card & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 193,940 |  |  | 1,371 |  |  | 1,053 |  |  | 196,364 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 196,364 |
Other |  | 415,070 |  |  | 2,666 |  |  | 103 |  |  | 417,839 |  |  | 31 |  |  | — |  |  | 165 |  |  | 196 |  |  | 418,035 |
Purchased credit-impaired loans |  | 2,993 |  |  | 1,693 |  |  | 814 |  |  | 5,500 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,500 |
Total credit card & other |  | 612,003 |  |  | 5,730 |  |  | 1,970 |  |  | 619,703 |  |  | 31 |  |  | — |  |  | 165 |  |  | 196 |  |  | 619,899 |
Total loans, net of unearned income |  | $ | 27,435,858 |  |  | $ | 50,884 |  |  | $ | 41,568 |  |  | $ | 27,528,310 |  |  | $ | 70,040 |  |  | $ | 13,654 |  |  | $ | 46,925 |  |  | $ | 130,619 |  |  | $ | 27,658,929 |
(a) 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 and nine months ended September 30, 2018 and 2017:
|  | Three Months Ended September 30, 2018 |  | Nine Months Ended September 30, 2018
(Dollars in thousands) |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | 1 |  |  | $ | 25,591 |  |  | $ | 25,439 |  |  | 9 |  |  | $ | 27,639 |  |  | $ | 27,190 |
Total commercial (C&I) |  | 1 |  |  | 25,591 |  |  | 25,439 |  |  | 9 |  |  | 27,639 |  |  | 27,190 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Income CRE |  | 1 |  |  | 442 |  |  | 442 |  |  | 4 |  |  | 643 |  |  | 637 |
Total commercial real estate |  | 1 |  |  | 442 |  |  | 442 |  |  | 4 |  |  | 643 |  |  | 637 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 15 |  |  | 1,057 |  |  | 1,041 |  |  | 79 |  |  | 7,641 |  |  | 7,580 |
R/E installment loans |  | 62 |  |  | 4,561 |  |  | 4,356 |  |  | 77 |  |  | 5,944 |  |  | 5,738 |
Total consumer real estate |  | 77 |  |  | 5,618 |  |  | 5,397 |  |  | 156 |  |  | 13,585 |  |  | 13,318 |
Permanent mortgage |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 709 |  |  | 713 |
Credit card & other |  | 12 |  |  | 65 |  |  | 59 |  |  | 80 |  |  | 370 |  |  | 350 |
Total troubled debt restructurings |  | 91 |  |  | $ | 31,716 |  |  | $ | 31,337 |  |  | 254 |  |  | $ | 42,946 |  |  | $ | 42,208 |
|  | Three Months Ended September 30, 2017 |  | Nine Months Ended September 30, 2017
(Dollars in thousands) |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |  |  |  |  |
General C&I |  | — |  |  | $ | — |  |  | $ | — |  |  | 2 |  |  | $ | 842 |  |  | $ | 836 |
Total commercial (C&I) |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 842 |  |  | 836 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |
HELOC |  | 45 |  |  | 4,451 |  |  | 4,396 |  |  | 107 |  |  | 9,333 |  |  | 9,139 |
R/E installment loans |  | 15 |  |  | 1,630 |  |  | 1,622 |  |  | 43 |  |  | 3,386 |  |  | 3,306 |
Total consumer real estate |  | 60 |  |  | 6,081 |  |  | 6,018 |  |  | 150 |  |  | 12,719 |  |  | 12,445 |
Permanent mortgage |  | 2 |  |  | 34 |  |  | 32 |  |  | 11 |  |  | 2,043 |  |  | 2,028 |
Credit card & other |  | 37 |  |  | 261 |  |  | 251 |  |  | 66 |  |  | 426 |  |  | 411 |
Total troubled debt restructurings |  | 99 |  |  | $ | 6,376 |  |  | $ | 6,301 |  |  | 229 |  |  | $ | 16,030 |  |  | $ | 15,720 |
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months | The following tables present TDRs which re-defaulted during the three and nine months ended September 30, 2018 and 2017, 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.
|  | Three Months Ended September 30, 2018 |  | Nine Months Ended September 30, 2018
(Dollars in thousands) |  | Number |  | Recorded Investment |  | Number |  | Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |
General C&I |  | 1 |  |  | $ | 321 |  |  | 2 |  |  | $ | 579 |
Total commercial (C&I) |  | 1 |  |  | 321 |  |  | 2 |  |  | 579 |
Consumer real estate: |  |  |  |  |  |  |  |
HELOC |  | 1 |  |  | 40 |  |  | 5 |  |  | 204 |
R/E installment loans |  | — |  |  | — |  |  | 1 |  |  | 25 |
Total consumer real estate |  | 1 |  |  | 40 |  |  | 6 |  |  | 229 |
Permanent mortgage |  | 3 |  |  | 294 |  |  | 5 |  |  | 699 |
Credit card & other |  | 13 |  |  | 56 |  |  | 39 |  |  | 212 |
Total troubled debt restructurings |  | 18 |  |  | $ | 711 |  |  | 52 |  |  | $ | 1,719 |
|  | Three Months Ended September 30, 2017 |  | Nine Months Ended September 30, 2017
(Dollars in thousands) |  | Number |  | Recorded Investment |  | Number |  | Recorded Investment
Commercial (C&I): |  |  |  |  |  |  |  |
General C&I |  | 1 |  |  | $ | 1,763 |  |  | 4 |  |  | $ | 9,770 |
Total commercial (C&I) |  | 1 |  |  | 1,763 |  |  | 4 |  |  | 9,770 |
Commercial Real Estate |  |  |  |  |  |  |  |
Income CRE |  | 1 |  |  | 88 |  |  | 1 |  |  | 88 |
Total Commercial real estate |  | 1 |  |  | 88 |  |  | 1 |  |  | 88 |
Consumer real estate: |  |  |  |  |  |  |  |
HELOC |  | — |  |  | — |  |  | 4 |  |  | 685 |
Total consumer real estate |  | — |  |  | — |  |  | 4 |  |  | 685 |
Permanent mortgage |  | 1 |  |  | 89 |  |  | 2 |  |  | 627 |
Credit card & other |  | 2 |  |  | 12 |  |  | 5 |  |  | 30 |
Total troubled debt restructurings |  | 5 |  |  | $ | 1,952 |  |  | 16 |  |  | $ | 11,200 |

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