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Loans (Tables) | 6 Months Ended
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Jun. 30, 2013
Receivables [Abstract] |
Loans | Loans were as follows:
|  | June 30, |  |  | Percentage |  |  | December 31, |  |  | Percentage |
|  | 2013 |  |  | of Total |  |  | 2012 |  |  | of Total |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 4,292,893 |  |  |  | 46.5 | % |  | $ | 4,357,100 |  |  |  | 47.2 | %
Leases |  |  | 304,717 |  |  |  | 3.3 |  |  |  | 278,535 |  |  |  | 3.0 |
Asset-based |  |  | 175,007 |  |  |  | 1.9 |  |  |  | 192,977 |  |  |  | 2.1 |
Total commercial and industrial |  |  | 4,772,617 |  |  |  | 51.7 |  |  |  | 4,828,612 |  |  |  | 52.3 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial mortgages |  |  | 2,552,174 |  |  |  | 27.6 |  |  |  | 2,495,481 |  |  |  | 27.1 |
Construction |  |  | 588,743 |  |  |  | 6.4 |  |  |  | 608,306 |  |  |  | 6.6 |
Land |  |  | 230,351 |  |  |  | 2.5 |  |  |  | 216,008 |  |  |  | 2.3 |
Total commercial real estate |  |  | 3,371,268 |  |  |  | 36.5 |  |  |  | 3,319,795 |  |  |  | 36.0 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity loans |  |  | 318,339 |  |  |  | 3.4 |  |  |  | 310,675 |  |  |  | 3.4 |
Home equity lines of credit |  |  | 193,464 |  |  |  | 2.1 |  |  |  | 186,522 |  |  |  | 2.0 |
1-4 family residential mortgages |  |  | 33,671 |  |  |  | 0.4 |  |  |  | 38,323 |  |  |  | 0.4 |
Construction |  |  | 13,654 |  |  |  | 0.1 |  |  |  | 17,621 |  |  |  | 0.2 |
Other |  |  | 226,077 |  |  |  | 2.5 |  |  |  | 224,206 |  |  |  | 2.4 |
Total consumer real estate |  |  | 785,205 |  |  |  | 8.5 |  |  |  | 777,347 |  |  |  | 8.4 |
Total real estate |  |  | 4,156,473 |  |  |  | 45.0 |  |  |  | 4,097,142 |  |  |  | 44.4 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer installment |  |  | 318,824 |  |  |  | 3.4 |  |  |  | 311,310 |  |  |  | 3.4 |
Other |  |  | 6,498 |  |  |  | 0.1 |  |  |  | 8,435 |  |  |  | 0.1 |
Total consumer and other |  |  | 325,322 |  |  |  | 3.5 |  |  |  | 319,745 |  |  |  | 3.5 |
Unearned discounts |  |  | (21,869 | ) |  |  | (0.2 | ) |  |  | (21,651 | ) |  |  | (0.2 | )
Total loans |  | $ | 9,232,543 |  |  |  | 100.0 | % |  | $ | 9,223,848 |  |  |  | 100.0 | %
Non-Accrual Loans, Segregated by Class of Loans | Non-accrual loans, segregated by class of loans, were as follows:
|  | June 30, |  |  | December 31, |
|  | 2013 |  |  | 2012 |
Commercial and industrial: |  |  |  |  |  |  |  |
Energy |  | $ | 228 |  |  | $ | 1,150 |
Other commercial |  |  | 40,790 |  |  |  | 45,158 |
Commercial real estate: |  |  |  |  |  |  |  |
Buildings, land and other |  |  | 41,615 |  |  |  | 38,631 |
Construction |  |  | 1,015 |  |  |  | 1,100 |
Consumer real estate |  |  | 2,379 |  |  |  | 2,773 |
Consumer and other |  |  | 687 |  |  |  | 932 |
Total |  | $ | 86,714 |  |  | $ | 89,744 |
Age Analysis of Past Due Loans, Segregated by Class of Loans | An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of June 30, 2013 was as follows:
|  | Loans 30-89 Days Past Due |  |  | Loans 90 or More Days Past Due |  |  | Total Past Due Loans |  |  | Current Loans |  |  | Total Loans |  |  | Accruing Loans 90 or More Days Past Due |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  | $ | 397 |  |  | $ | 758 |  |  | $ | 1,155 |  |  | $ | 1,016,182 |  |  | $ | 1,017,337 |  |  | $ | 530 |
Other commercial |  |  | 13,841 |  |  |  | 18,173 |  |  |  | 32,014 |  |  |  | 3,723,266 |  |  |  | 3,755,280 |  |  |  | 6,570 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  | 15,248 |  |  |  | 29,484 |  |  |  | 44,732 |  |  |  | 2,737,793 |  |  |  | 2,782,525 |  |  |  | 430 |
Construction |  |  | 5,771 |  |  |  | 81 |  |  |  | 5,852 |  |  |  | 582,891 |  |  |  | 588,743 |  |  |  | 81 |
Consumer real estate |  |  | 5,989 |  |  |  | 3,504 |  |  |  | 9,493 |  |  |  | 775,712 |  |  |  | 785,205 |  |  |  | 3,205 |
Consumer and other |  |  | 4,103 |  |  |  | 485 |  |  |  | 4,588 |  |  |  | 320,734 |  |  |  | 325,322 |  |  |  | 408 |
Unearned discounts |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (21,869 | ) |  |  | (21,869 | ) |  |  | — |
Total |  | $ | 45,349 |  |  | $ | 52,485 |  |  | $ | 97,834 |  |  | $ | 9,134,709 |  |  | $ | 9,232,543 |  |  | $ | 11,224 |
Impaired Loans | Impaired loans are set forth in the following table. No interest income was recognized on impaired loans subsequent to their classification as impaired.
|  | Unpaid |  |  | Recorded |  |  | Recorded |  |  |  |
|  | Contractual |  |  | Investment |  |  | Investment |  |  | Total |  |  |  |
|  | Principal |  |  | With No |  |  | With |  |  | Recorded |  |  | Related |
|  | Balance |  |  | Allowance |  |  | Allowance |  |  | Investment |  |  | Allowance |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other commercial |  |  | 47,024 |  |  |  | 28,127 |  |  |  | 8,437 |  |  |  | 36,564 |  |  |  | 4,150 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  | 46,772 |  |  |  | 23,442 |  |  |  | 14,986 |  |  |  | 38,428 |  |  |  | 3,344 |
Construction |  |  | 1,460 |  |  |  | 1,015 |  |  |  | — |  |  |  | 1,015 |  |  |  | — |
Consumer real estate |  |  | 933 |  |  |  | 802 |  |  |  | — |  |  |  | 802 |  |  |  | — |
Consumer and other |  |  | 403 |  |  |  | 365 |  |  |  | — |  |  |  | 365 |  |  |  | — |
Total |  | $ | 96,592 |  |  | $ | 53,751 |  |  | $ | 23,423 |  |  | $ | 77,174 |  |  | $ | 7,494 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  | $ | 1,255 |  |  | $ | — |  |  | $ | 1,069 |  |  | $ | 1,069 |  |  | $ | 900 |
Other commercial |  |  | 56,784 |  |  |  | 21,709 |  |  |  | 19,096 |  |  |  | 40,805 |  |  |  | 4,200 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  | 44,652 |  |  |  | 19,010 |  |  |  | 17,149 |  |  |  | 36,159 |  |  |  | 3,137 |
Construction |  |  | 1,497 |  |  |  | 1,100 |  |  |  | — |  |  |  | 1,100 |  |  |  | — |
Consumer real estate |  |  | 961 |  |  |  | 864 |  |  |  | — |  |  |  | 864 |  |  |  | — |
Consumer and other |  |  | 428 |  |  |  | 400 |  |  |  | — |  |  |  | 400 |  |  |  | — |
Total |  | $ | 105,577 |  |  | $ | 43,083 |  |  | $ | 37,314 |  |  | $ | 80,397 |  |  | $ | 8,237 |
Average Recorded Investment In Impaired Loans | The average recorded investment in impaired loans was as follows:
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2013 |  |  | 2012 |  |  | 2013 |  |  | 2012 |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  | $ | — |  |  | $ | — |  |  | $ | 356 |  |  | $ | — |
Other commercial |  |  | 40,331 |  |  |  | 41,970 |  |  |  | 40,489 |  |  |  | 41,090 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  | 37,473 |  |  |  | 39,055 |  |  |  | 37,035 |  |  |  | 39,680 |
Construction |  |  | 1,035 |  |  |  | 1,717 |  |  |  | 1,057 |  |  |  | 1,572 |
Consumer real estate |  |  | 818 |  |  |  | 1,928 |  |  |  | 833 |  |  |  | 2,109 |
Consumer and other |  |  | 375 |  |  |  | 487 |  |  |  | 383 |  |  |  | 509 |
Total |  | $ | 80,032 |  |  | $ | 85,157 |  |  | $ | 80,153 |  |  | $ | 84,960 |
Troubled Debt Restructurings | Troubled debt restructurings during the six months ended June 30, 2013 are set forth in the following table. Amounts represent the aggregate balance of the loans as of their individual restructuring dates. There were no troubled debt restructurings during the six months ended June 30, 2012.
Commercial and industrial: |  |  |  |
Other commercial |  | $ | 2,138 |
Commercial real estate: |  |  |  |
Buildings, land and other |  |  | 4,165 |
|  | $ | 6,303 |
Weighted Average Risk Grades for All Commercial Loans by Class | The following table presents weighted average risk grades for all commercial loans by class.
|  | June 30, 2013 |  |  | December 31, 2012 |
|  | Weighted |  |  |  |  |  | Weighted |  |  |  |
|  | Average |  |  |  |  |  | Average |  |  |  |
|  | Risk Grade |  |  | Loans |  |  | Risk Grade |  |  | Loans |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 |  |  | 5.28 |  |  | $ | 1,009,557 |  |  |  | 5.24 |  |  | $ | 1,081,725 |
Risk grade 9 |  |  | 9.00 |  |  |  | 7,395 |  |  |  | 9.00 |  |  |  | 392 |
Risk grade 10 |  |  | 10.00 |  |  |  | — |  |  |  | 10.00 |  |  |  | — |
Risk grade 11 |  |  | 11.00 |  |  |  | 385 |  |  |  | 11.00 |  |  |  | — |
Risk grade 12 |  |  | 12.00 |  |  |  | — |  |  |  | 12.00 |  |  |  | 169 |
Risk grade 13 |  |  | 13.00 |  |  |  | — |  |  |  | 13.00 |  |  |  | 900 |
Total energy |  |  | 5.31 |  |  | $ | 1,017,337 |  |  |  | 5.25 |  |  | $ | 1,083,186 |
Other commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 |  |  | 5.91 |  |  | $ | 3,481,071 |  |  |  | 5.81 |  |  | $ | 3,367,443 |
Risk grade 9 |  |  | 9.00 |  |  |  | 148,192 |  |  |  | 9.00 |  |  |  | 250,508 |
Risk grade 10 |  |  | 10.00 |  |  |  | 28,187 |  |  |  | 10.00 |  |  |  | 28,440 |
Risk grade 11 |  |  | 11.00 |  |  |  | 56,811 |  |  |  | 11.00 |  |  |  | 53,797 |
Risk grade 12 |  |  | 12.00 |  |  |  | 36,070 |  |  |  | 12.00 |  |  |  | 40,603 |
Risk grade 13 |  |  | 13.00 |  |  |  | 4,949 |  |  |  | 13.00 |  |  |  | 4,635 |
Total other commercial |  |  | 6.21 |  |  | $ | 3,755,280 |  |  |  | 6.21 |  |  | $ | 3,745,426 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 |  |  | 6.56 |  |  | $ | 2,564,596 |  |  |  | 6.63 |  |  | $ | 2,460,448 |
Risk grade 9 |  |  | 9.00 |  |  |  | 74,938 |  |  |  | 9.00 |  |  |  | 92,041 |
Risk grade 10 |  |  | 10.00 |  |  |  | 38,397 |  |  |  | 10.00 |  |  |  | 42,603 |
Risk grade 11 |  |  | 11.00 |  |  |  | 62,929 |  |  |  | 11.00 |  |  |  | 77,658 |
Risk grade 12 |  |  | 12.00 |  |  |  | 38,321 |  |  |  | 12.00 |  |  |  | 35,602 |
Risk grade 13 |  |  | 13.00 |  |  |  | 3,344 |  |  |  | 13.00 |  |  |  | 3,137 |
Total commercial real estate |  |  | 6.86 |  |  | $ | 2,782,525 |  |  |  | 6.97 |  |  | $ | 2,711,489 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 |  |  | 6.85 |  |  | $ | 563,561 |  |  |  | 6.82 |  |  | $ | 579,108 |
Risk grade 9 |  |  | 9.00 |  |  |  | 20,977 |  |  |  | 9.00 |  |  |  | 23,046 |
Risk grade 10 |  |  | 10.00 |  |  |  | 2,490 |  |  |  | 10.00 |  |  |  | 4,435 |
Risk grade 11 |  |  | 11.00 |  |  |  | 700 |  |  |  | 11.00 |  |  |  | 617 |
Risk grade 12 |  |  | 12.00 |  |  |  | 1,015 |  |  |  | 12.00 |  |  |  | 1,100 |
Risk grade 13 |  |  | 13.00 |  |  |  | — |  |  |  | 13.00 |  |  |  | — |
Total construction |  |  | 6.95 |  |  | $ | 588,743 |  |  |  | 6.94 |  |  | $ | 608,306 |
Net (Charge-Offs)/Recoveries, Segregated by Class of Loans | Net (charge-offs)/recoveries, segregated by class of loans, were as follows:
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2013 |  |  | 2012 |  |  | 2013 |  |  | 2012 |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Energy |  | $ | — |  |  | $ | — |  |  | $ | (900 | ) |  | $ | 4 |
Other commercial |  |  | (2,883 | ) |  |  | (3,180 | ) |  |  | (18,510 | ) |  |  | (4,855 | )
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other |  |  | (244 | ) |  |  | 493 |  |  |  | (29 | ) |  |  | (1,867 | )
Construction |  |  | 116 |  |  |  | 12 |  |  |  | 230 |  |  |  | 22 |
Consumer real estate |  |  | 15 |  |  |  | (519 | ) |  |  | (261 | ) |  |  | (285 | )
Consumer and other |  |  | (768 | ) |  |  | (694 | ) |  |  | (1,158 | ) |  |  | (973 | )
Total |  | $ | (3,764 | ) |  | $ | (3,888 | ) |  | $ | (20,628 | ) |  | $ | (7,954 | )
Unallocated Portion of Allowance for Loan Losses | The following table presents details of the allowance for loan losses, segregated by loan portfolio segment.
|  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Commercial |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |
|  | Industrial |  |  | Real Estate |  |  | Real Estate |  |  | and Other |  |  | Unallocated |  |  | Total |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Historical valuation allowances |  | $ | 24,910 |  |  | $ | 12,741 |  |  | $ | 2,591 |  |  | $ | 7,896 |  |  | $ | — |  |  | $ | 48,138 |
Specific valuation allowances |  |  | 4,150 |  |  |  | 3,344 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,494 |
General valuation allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Environmental risk adjustment |  |  | 4,896 |  |  |  | 3,073 |  |  |  | 620 |  |  |  | 2,041 |  |  |  | — |  |  |  | 10,630 |
Distressed industries |  |  | 8,005 |  |  |  | 512 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,517 |
Excessive industry concentrations |  |  | 3,705 |  |  |  | 1,303 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,008 |
Large relationship concentrations |  |  | 1,335 |  |  |  | 944 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,279 |
Highly-leveraged credit relationships |  |  | 4,497 |  |  |  | 761 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,258 |
Policy exceptions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,190 |  |  |  | 2,190 |
Credit and collateral exceptions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,707 |  |  |  | 1,707 |
Loans not reviewed by concurrence |  |  | 1,994 |  |  |  | 2,145 |  |  |  | 2,178 |  |  |  | 1,035 |  |  |  | — |  |  |  | 7,352 |
Adjustment for recoveries |  |  | (2,678 | ) |  |  | (1,250 | ) |  |  | (472 | ) |  |  | (6,842 | ) |  |  | — |  |  |  | (11,242 | )
General macroeconomic risk |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,069 |  |  |  | 6,069 |
Total |  | $ | 50,814 |  |  | $ | 23,573 |  |  | $ | 4,917 |  |  | $ | 4,130 |  |  | $ | 9,966 |  |  | $ | 93,400 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Historical valuation allowances |  | $ | 30,565 |  |  | $ | 15,687 |  |  | $ | 3,013 |  |  | $ | 7,344 |  |  | $ | — |  |  | $ | 56,609 |
Specific valuation allowances |  |  | 5,100 |  |  |  | 3,137 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,237 |
General valuation allowances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Environmental risk adjustment |  |  | 6,593 |  |  |  | 3,682 |  |  |  | 684 |  |  |  | 1,816 |  |  |  | — |  |  |  | 12,775 |
Distressed industries |  |  | 5,883 |  |  |  | 1,182 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,065 |
Excessive industry concentrations |  |  | 4,291 |  |  |  | 2,795 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,086 |
Large relationship concentrations |  |  | 1,420 |  |  |  | 981 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,401 |
Highly-leveraged credit relationships |  |  | 2,905 |  |  |  | 699 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,604 |
Policy exceptions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,466 |  |  |  | 2,466 |
Credit and collateral exceptions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,635 |  |  |  | 1,635 |
Loans not reviewed by concurrence |  |  | 2,277 |  |  |  | 2,413 |  |  |  | 2,411 |  |  |  | 1,159 |  |  |  | — |  |  |  | 8,260 |
Adjustment for recoveries |  |  | (4,870 | ) |  |  | (1,230 | ) |  |  | (856 | ) |  |  | (6,812 | ) |  |  | — |  |  |  | (13,768 | )
General macroeconomic risk |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,083 |  |  |  | 8,083 |
Total |  | $ | 54,164 |  |  | $ | 29,346 |  |  | $ | 5,252 |  |  | $ | 3,507 |  |  | $ | 12,184 |  |  | $ | 104,453 |
Activity in Allowance for Loan Losses by Portfolio Segment | The following table details activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2013 and 2012. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
|  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Commercial |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |
|  | Industrial |  |  | Real Estate |  |  | Real Estate |  |  | and Other |  |  | Unallocated |  |  | Total |
Three months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 51,085 |  |  | $ | 24,809 |  |  | $ | 5,148 |  |  | $ | 3,724 |  |  | $ | 8,823 |  |  | $ | 93,589 |
Provision for loan losses |  |  | 2,612 |  |  |  | (1,108 | ) |  |  | (246 | ) |  |  | 1,174 |  |  |  | 1,143 |  |  |  | 3,575 |
Charge-offs |  |  | (3,586 | ) |  |  | (415 | ) |  |  | (159 | ) |  |  | (2,374 | ) |  |  | — |  |  |  | (6,534 | )
Recoveries |  |  | 703 |  |  |  | 287 |  |  |  | 174 |  |  |  | 1,606 |  |  |  | — |  |  |  | 2,770 |
Net charge-offs |  |  | (2,883 | ) |  |  | (128 | ) |  |  | 15 |  |  |  | (768 | ) |  |  | — |  |  |  | (3,764 | )
Ending balance |  | $ | 50,814 |  |  | $ | 23,573 |  |  | $ | 4,917 |  |  | $ | 4,130 |  |  | $ | 9,966 |  |  | $ | 93,400 |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 45,869 |  |  | $ | 20,003 |  |  | $ | 3,699 |  |  | $ | 8,715 |  |  | $ | 28,895 |  |  | $ | 107,181 |
Provision for loan losses |  |  | 10,786 |  |  |  | 7,123 |  |  |  | 2,055 |  |  |  | (4,372 | ) |  |  | (13,237 | ) |  |  | 2,355 |
Charge-offs |  |  | (4,474 | ) |  |  | (353 | ) |  |  | (606 | ) |  |  | (2,229 | ) |  |  | — |  |  |  | (7,662 | )
Recoveries |  |  | 1,294 |  |  |  | 858 |  |  |  | 87 |  |  |  | 1,535 |  |  |  | — |  |  |  | 3,774 |
Net charge-offs |  |  | (3,180 | ) |  |  | 505 |  |  |  | (519 | ) |  |  | (694 | ) |  |  | — |  |  |  | (3,888 | )
Ending balance |  | $ | 53,475 |  |  | $ | 27,631 |  |  | $ | 5,235 |  |  | $ | 3,649 |  |  | $ | 15,658 |  |  | $ | 105,648 |
Six months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 54,164 |  |  | $ | 29,346 |  |  | $ | 5,252 |  |  | $ | 3,507 |  |  | $ | 12,184 |  |  | $ | 104,453 |
Provision for loan losses |  |  | 16,060 |  |  |  | (5,974 | ) |  |  | (74 | ) |  |  | 1,781 |  |  |  | (2,218 | ) |  |  | 9,575 |
Charge-offs |  |  | (20,738 | ) |  |  | (681 | ) |  |  | (495 | ) |  |  | (4,551 | ) |  |  | — |  |  |  | (26,465 | )
Recoveries |  |  | 1,328 |  |  |  | 882 |  |  |  | 234 |  |  |  | 3,393 |  |  |  | — |  |  |  | 5,837 |
Net charge-offs |  |  | (19,410 | ) |  |  | 201 |  |  |  | (261 | ) |  |  | (1,158 | ) |  |  | — |  |  |  | (20,628 | )
Ending balance |  | $ | 50,814 |  |  | $ | 23,573 |  |  | $ | 4,917 |  |  | $ | 4,130 |  |  | $ | 9,966 |  |  | $ | 93,400 |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 42,774 |  |  | $ | 20,912 |  |  | $ | 3,540 |  |  | $ | 12,635 |  |  | $ | 30,286 |  |  | $ | 110,147 |
Provision for loan losses |  |  | 15,552 |  |  |  | 8,564 |  |  |  | 1,980 |  |  |  | (8,013 | ) |  |  | (14,628 | ) |  |  | 3,455 |
Charge-offs |  |  | (7,486 | ) |  |  | (3,195 | ) |  |  | (895 | ) |  |  | (4,214 | ) |  |  | — |  |  |  | (15,790 | )
Recoveries |  |  | 2,635 |  |  |  | 1,350 |  |  |  | 610 |  |  |  | 3,241 |  |  |  | — |  |  |  | 7,836 |
Net charge-offs |  |  | (4,851 | ) |  |  | (1,845 | ) |  |  | (285 | ) |  |  | (973 | ) |  |  | — |  |  |  | (7,954 | )
Ending balance |  | $ | 53,475 |  |  | $ | 27,631 |  |  | $ | 5,235 |  |  | $ | 3,649 |  |  | $ | 15,658 |  |  | $ | 105,648 |
Allowance for Loan Losses Disaggregated on the Basis of Impairment Methodology | The following table details the amount of the allowance for loan losses allocated to each portfolio segment as of June 30, 2013, December 31, 2012 and June 30, 2012, detailed on the basis of the impairment methodology used by the Corporation.
|  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Commercial |  |  | Consumer |  |  | Consumer |  |  |  |  |  |  |
|  | Industrial |  |  | Real Estate |  |  | Real Estate |  |  | and Other |  |  | Unallocated |  |  | Total |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 11,330 |  |  | $ | 4,531 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15,861 |
Loans collectively evaluated for impairment |  |  | 39,484 |  |  |  | 19,042 |  |  |  | 4,917 |  |  |  | 4,130 |  |  |  | 9,966 |  |  |  | 77,539 |
Balance at June 30, 2013 |  | $ | 50,814 |  |  | $ | 23,573 |  |  | $ | 4,917 |  |  | $ | 4,130 |  |  | $ | 9,966 |  |  | $ | 93,400 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 13,171 |  |  | $ | 4,366 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 17,537 |
Loans collectively evaluated for impairment |  |  | 40,993 |  |  |  | 24,980 |  |  |  | 5,252 |  |  |  | 3,507 |  |  |  | 12,184 |  |  |  | 86,916 |
Balance at December 31, 2012 |  | $ | 54,164 |  |  | $ | 29,346 |  |  | $ | 5,252 |  |  | $ | 3,507 |  |  | $ | 12,184 |  |  | $ | 104,453 |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 17,983 |  |  | $ | 2,728 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20,711 |
Loans collectively evaluated for impairment |  |  | 35,492 |  |  |  | 24,903 |  |  |  | 5,235 |  |  |  | 3,649 |  |  |  | 15,658 |  |  |  | 84,937 |
Balance at June 30, 2012 |  | $ | 53,475 |  |  | $ | 27,631 |  |  | $ | 5,235 |  |  | $ | 3,649 |  |  | $ | 15,658 |  |  | $ | 105,648 |
Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology | The Corporation’s recorded investment in loans as of June 30, 2013, December 31, 2012 and June 30, 2012 related to each balance in the allowance for loan losses by portfolio segment and detailed on the basis of the impairment methodology used by the Corporation was as follows:
|  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | and |  |  | Commercial |  |  | Consumer |  |  | Consumer |  |  | Unearned |  |  |  |
|  | Industrial |  |  | Real Estate |  |  | Real Estate |  |  | and Other |  |  | Discounts |  |  | Total |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 126,402 |  |  | $ | 147,196 |  |  | $ | 802 |  |  | $ | 365 |  |  | $ | — |  |  | $ | 274,765 |
Loans collectively evaluated for impairment |  |  | 4,646,215 |  |  |  | 3,224,072 |  |  |  | 784,403 |  |  |  | 324,957 |  |  |  | (21,869 | ) |  |  | 8,957,778 |
Ending balance |  | $ | 4,772,617 |  |  | $ | 3,371,268 |  |  | $ | 785,205 |  |  | $ | 325,322 |  |  | $ | (21,869 | ) |  | $ | 9,232,543 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 128,544 |  |  | $ | 165,152 |  |  | $ | 864 |  |  | $ | 400 |  |  | $ | — |  |  | $ | 294,960 |
Loans collectively evaluated for impairment |  |  | 4,700,068 |  |  |  | 3,154,643 |  |  |  | 776,483 |  |  |  | 319,345 |  |  |  | (21,651 | ) |  |  | 8,928,888 |
Ending balance |  | $ | 4,828,612 |  |  | $ | 3,319,795 |  |  | $ | 777,347 |  |  | $ | 319,745 |  |  | $ | (21,651 | ) |  | $ | 9,223,848 |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 183,964 |  |  | $ | 198,000 |  |  | $ | 1,279 |  |  | $ | 439 |  |  | $ | — |  |  | $ | 383,682 |
Loans collectively evaluated for impairment |  |  | 4,125,925 |  |  |  | 2,921,902 |  |  |  | 760,781 |  |  |  | 316,564 |  |  |  | (19,091 | ) |  |  | 8,106,081 |
Ending balance |  | $ | 4,309,889 |  |  | $ | 3,119,902 |  |  | $ | 762,060 |  |  | $ | 317,003 |  |  | $ | (19,091 | ) |  | $ | 8,489,763 |

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