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Loans (Tables)

3 Months Ended

Mar. 31, 2014

Receivables [Abstract]

Loans

Loans were as follows:

	March 31, 2014				Percentage of Total			December 31, 2013				Percentage of Total
Commercial and industrial:
Commercial	$	4,686,817			48.1	%		$	4,460,543			46.9	%
Leases	307,269				3.1			319,577				3.4
Asset-based	112,640				1.2			126,956				1.3
Total commercial and industrial	5,106,726				52.4			4,907,076				51.6
Commercial real estate:
Commercial mortgages	2,800,091				28.7			2,800,760				29.4
Construction	445,491				4.6			426,639				4.5
Land	250,557				2.6			239,937				2.5
Total commercial real estate	3,496,139				35.9			3,467,336				36.4
Consumer real estate:
Home equity loans	334,802				3.4			329,853				3.5
Home equity lines of credit	199,734				2.0			195,132				2.1
1-4 family residential mortgages	29,749				0.3			32,447				0.3
Construction	15,509				0.2			13,123				0.1
Other	239,203				2.5			237,649				2.5
Total consumer real estate	818,997				8.4			808,204				8.5
Total real estate	4,315,136				44.3			4,275,540				44.9
Consumer and other:
Consumer installment	346,798				3.5			350,827				3.7
Other	5,522				0.1			7,289				0.1
Total consumer and other	352,320				3.6			358,116				3.8
Unearned discounts	(23,537		)		(0.3	)		(25,032		)		(0.3	)
Total loans	$	9,750,645			100.0	%		$	9,515,700			100.0	%

Non-Accrual Loans, Segregated by Class of Loans

Non-accrual loans, segregated by class of loans, were as follows:

	March 31, 2014				December 31, 2013
Commercial and industrial:
Energy	$	526			$	590
Other commercial	22,458				26,143
Commercial real estate:
Buildings, land and other	23,319				27,035
Construction	312				—
Consumer real estate	2,178				2,207
Consumer and other	710				745
Total	$	49,503			$	56,720

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 March 31, 2014 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	$	1			$	526			$	527			$	1,151,792			$	1,152,319			$	—
Other commercial	10,078				12,602				22,680				3,931,727				3,954,407				4,419
Commercial real estate:
Buildings, land and other	9,814				15,287				25,101				3,025,547				3,050,648				1,622
Construction	411				—				411				445,080				445,491				—
Consumer real estate	5,876				2,332				8,208				810,789				818,997				2,105
Consumer and other	2,539				1,053				3,592				348,728				352,320				893
Unearned discounts	—				—				—				(23,537		)		(23,537		)		—
Total	$	28,719			$	31,800			$	60,519			$	9,690,126			$	9,750,645			$	9,039

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 Contractual Principal Balance				Recorded Investment With No Allowance				Recorded Investment With Allowance				Total Recorded Investment				Related Allowance
March 31, 2014
Commercial and industrial:
Energy	$	545			$	526			$	—			$	526			$	—
Other commercial	28,100				15,663				3,728				19,391				2,731
Commercial real estate:
Buildings, land and other	25,842				20,015				1,013				21,028				776
Construction	481				312				—				312				—
Consumer real estate	894				718				—				718				—
Consumer and other	310				264				—				264				—
Total	$	56,172			$	37,498			$	4,741			$	42,239			$	3,507
December 31, 2013
Commercial and industrial:
Energy	$	545			$	531			$	—			$	531			$	—
Other commercial	31,429				15,337				7,004				22,341				4,140
Commercial real estate:
Buildings, land and other	27,792				15,697				8,870				24,567				2,786
Construction	—				—				—				—				—
Consumer real estate	907				745				—				745				—
Consumer and other	334				278				—				278				—
Total	$	61,007			$	32,588			$	15,874			$	48,462			$	6,926

Average Recorded Investment In Impaired Loans

The average recorded investment in impaired loans was as follows:

	Three Months Ended   March 31,
	2014				2013
Commercial and industrial:
Energy	$	529			$	535
Other commercial	20,866				42,452
Commercial real estate:
Buildings, land and other	22,798				36,338
Construction	156				1,078
Consumer real estate	732				849
Consumer and other	271				392
Total	$	45,352			$	81,644

Troubled Debt Restructurings

Troubled debt restructurings during the three months ended March 31, 2014 and March 31, 2013 are set forth in the following table.

	Three Months Ended   March 31, 2014								Three Months Ended   March 31, 2013
	Balance at Restructure				Balance at Period-End				Balance at Restructure				Balance at Period-End
Commercial and industrial:
Energy	$	—			$	—			$	—			$	—
Other commercial	819				793				275				275
Commercial real estate:
Buildings, land and other	—				—				1,680				1,613
	$	819			$	793			$	1,955			$	1,888

Weighted Average Risk Grades for All Commercial Loans by Class

The following table presents weighted average risk grades for all commercial loans by class.

	March 31, 2014							December 31, 2013
	Weighted Average Risk Grade			Loans				Weighted Average Risk Grade			Loans
Commercial and industrial:
Energy
Risk grades 1-8	5.36			$	1,129,839			5.37			$	1,106,348
Risk grade 9	9.00			21,733				9.00			7,726
Risk grade 10	10.00			221				10.00			245
Risk grade 11	11.00			—				11.00			500
Risk grade 12	12.00			526				12.00			590
Risk grade 13	13.00			—				13.00			—
Total energy	5.43			$	1,152,319			5.40			$	1,115,409
Other commercial
Risk grades 1-8	5.98			$	3,671,876			5.95			$	3,507,963
Risk grade 9	9.00			76,294				9.00			74,766
Risk grade 10	10.00			87,148				10.00			89,878
Risk grade 11	11.00			96,581				11.00			92,917
Risk grade 12	12.00			19,253				12.00			21,389
Risk grade 13	13.00			3,255				13.00			4,754
Total other commercial	6.28			$	3,954,407			6.27			$	3,791,667
Commercial real estate:
Buildings, land and other
Risk grades 1-8	6.59			$	2,840,771			6.59			$	2,844,665
Risk grade 9	9.00			88,408				9.00			65,770
Risk grade 10	10.00			47,465				10.00			49,881
Risk grade 11	11.00			50,454				11.00			53,208
Risk grade 12	12.00			22,774				12.00			24,387
Risk grade 13	13.00			776				13.00			2,786
Total commercial real estate	6.83			$	3,050,648			6.83			$	3,040,697
Construction
Risk grades 1-8	7.05			$	441,923			7.05			$	418,999
Risk grade 9	9.00			1,682				9.00			1,301
Risk grade 10	10.00			1,353				10.00			5,931
Risk grade 11	11.00			221				11.00			408
Risk grade 12	12.00			312				12.00			—
Risk grade 13	13.00			—				13.00			—
Total construction	7.07			$	445,491			7.10			$	426,639

Net (Charge-Offs)/Recoveries, Segregated by Class of Loans

Net (charge-offs)/recoveries, segregated by class of loans, were as follows:

	Three Months Ended   March 31,
	2014				2013
Commercial and industrial:
Energy	$	(13	)		$	—
Other commercial	(1,683		)		(16,527		)
Commercial real estate:
Buildings, land and other	(1,618		)		215
Construction	40				114
Consumer real estate	23				(276		)
Consumer and other	(631		)		(390		)
Total	$	(3,882	)		$	(16,864	)

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 Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unallocated				Total
March 31, 2014
Historical valuation allowances	$	36,638			$	13,121			$	1,966			$	9,364			$	—			$	61,089
Specific valuation allowances	2,731				776				—				—				—				3,507
General valuation allowances:
Environmental risk adjustment	7,189				3,223				465				2,420				—				13,297
Distressed industries	2,354				96				—				—				—				2,450
Excessive industry concentrations	1,894				327				—				—				—				2,221
Large relationship concentrations	1,662				1,135				—				—				—				2,797
Highly-leveraged credit relationships	5,170				957				—				—				—				6,127
Policy exceptions	—				—				—				—				2,547				2,547
Credit and collateral exceptions	—				—				—				—				1,954				1,954
Loans not reviewed by concurrence	2,008				2,176				2,280				1,056				—				7,520
Adjustment for recoveries	(2,592		)		(791		)		(178		)		(7,149		)		—				(10,710		)
General macroeconomic risk	—				—				—				—				2,357				2,357
Total	$	57,054			$	21,020			$	4,533			$	5,691			$	6,858			$	95,156
December 31, 2013
Historical valuation allowances	$	29,357			$	13,042			$	2,644			$	8,695			$	—			$	53,738
Specific valuation allowances	4,140				2,786				—				—				—				6,926
General valuation allowances:
Environmental risk adjustment	5,497				3,314				664				2,331				—				11,806
Distressed industries	7,812				384				—				—				—				8,196
Excessive industry concentrations	1,499				367				—				—				—				1,866
Large relationship concentrations	1,529				1,081				—				—				—				2,610
Highly-leveraged credit relationships	4,535				619				—				—				—				5,154
Policy exceptions	—				—				—				—				2,492				2,492
Credit and collateral exceptions	—				—				—				—				1,398				1,398
Loans not reviewed by concurrence	2,009				2,201				2,250				1,064				—				7,524
Adjustment for recoveries	(3,588		)		(1,204		)		(328		)		(7,080		)		—				(12,200		)
General macroeconomic risk	—				—				—				—				2,928				2,928
Total	$	52,790			$	22,590			$	5,230			$	5,010			$	6,818			$	92,438

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 months ended March 31, 2014 and 2013. 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 Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unallocated				Total
Three months ended:
March 31, 2014
Beginning balance	$	52,790			$	22,590			$	5,230			$	5,010			$	6,818			$	92,438
Provision for loan losses	5,960				8				(720		)		1,312				40				6,600
Charge-offs	(2,367		)		(1,791		)		(21		)		(2,487		)		—				(6,666		)
Recoveries	671				213				44				1,856				—				2,784
Net charge-offs	(1,696		)		(1,578		)		23				(631		)		—				(3,882		)
Ending balance	$	57,054			$	21,020			$	4,533			$	5,691			$	6,858			$	95,156
March 31, 2013
Beginning balance	$	54,164			$	29,346			$	5,252			$	3,507			$	12,184			$	104,453
Provision for loan losses	13,448				(4,866		)		172				607				(3,361		)		6,000
Charge-offs	(17,152		)		(266		)		(336		)		(2,177		)		—				(19,931		)
Recoveries	625				595				60				1,787				—				3,067
Net charge-offs	(16,527		)		329				(276		)		(390		)		—				(16,864		)
Ending balance	$	51,085			$	24,809			$	5,148			$	3,724			$	8,823			$	93,589

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 March 31, 2014, December 31, 2013 and March 31, 2013, detailed on the basis of the impairment methodology used by the Corporation.

	Commercial and Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unallocated				Total
March 31, 2014
Loans individually evaluated for impairment	$	19,838			$	1,820			$	—			$	—			$	—			$	21,658
Loans collectively evaluated for impairment	37,216				19,200				4,533				5,691				6,858				73,498
Balance at March 31, 2014	$	57,054			$	21,020			$	4,533			$	5,691			$	6,858			$	95,156
December 31, 2013
Loans individually evaluated for impairment	$	16,682			$	3,914			$	—			$	—			$	—			$	20,596
Loans collectively evaluated for impairment	36,108				18,676				5,230				5,010				6,818				71,842
Balance at December 31, 2013	$	52,790			$	22,590			$	5,230			$	5,010			$	6,818			$	92,438
March 31, 2013
Loans individually evaluated for impairment	$	13,464			$	4,576			$	—			$	—			$	—			$	18,040
Loans collectively evaluated for impairment	37,621				20,233				5,148				3,724				8,823				75,549
Balance at March 31, 2013	$	51,085			$	24,809			$	5,148			$	3,724			$	8,823			$	93,589

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 March 31, 2014, December 31, 2013 and March 31, 2013 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 Industrial				Commercial Real Estate				Consumer Real Estate				Consumer and Other				Unearned Discounts				Total
March 31, 2014
Loans individually evaluated for impairment	$	206,984			$	123,355			$	718			$	264			$	—			$	331,321
Loans collectively evaluated for impairment	4,899,742				3,372,784				818,279				352,056				(23,537		)		9,419,324
Ending balance	$	5,106,726			$	3,496,139			$	818,997			$	352,320			$	(23,537	)		$	9,750,645
December 31, 2013
Loans individually evaluated for impairment	$	210,273			$	136,601			$	745			$	278			$	—			$	347,897
Loans collectively evaluated for impairment	4,696,803				3,330,735				807,459				357,838				(25,032		)		9,167,803
Ending balance	$	4,907,076			$	3,467,336			$	808,204			$	358,116			$	(25,032	)		$	9,515,700
March 31, 2013
Loans individually evaluated for impairment	$	148,858			$	158,651			$	834			$	384			$	—			$	308,727
Loans collectively evaluated for impairment	4,559,807				3,232,858				770,822				310,964				(20,827		)		8,853,624
Ending balance	$	4,708,665			$	3,391,509			$	771,656			$	311,348			$	(20,827	)		$	9,162,351

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-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953676-111524

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