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Allowance for Probable Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2011
Allowance for Probable Loan Losses |
Summary of the transactions in the allowance for probable loan losses |
|  | September 30, 2011 |
|  | Domestic |  | Foreign |
|  | Commercial |  | Commercial real estate: other construction & land development |  | Commercial real estate: farmland & commercial |  | Commercial real estate: multifamily |  | Residential: first lien |  | Residential: junior lien |  | Consumer |  | Foreign |  | Total |
|  | (Dollars in Thousands) |
Balance at December 31, |  | $ | 22,046 |  | $ | 26,695 |  | $ | 16,340 |  | $ | 53 |  | $ | 10,059 |  | $ | 2,611 |  | $ | 6,241 |  | $ | 437 |  | $ | 84,482 |
Losses charge to allowance |  | (11,873 | ) | (1,458 | ) | (1,955 | ) | — |  | (701 | ) | (979 | ) | (750 | ) | (13 | ) | (17,729 | )
Recoveries credited to allowance |  | 2,982 |  | 133 |  | 235 |  | — |  | 5 |  | 279 |  | 181 |  | 5 |  | 3,820 |
Net losses charged to allowance |  | (8,891 | ) | (1,325 | ) | (1,720 | ) | — |  | (696 | ) | (700 | ) | (569 | ) | (8 | ) | (13,909 | )
Provision (credit) charged to operations |  | 6,425 |  | (7,088 | ) | 9,324 |  | 996 |  | (3,564 | ) | 4,215 |  | (3,554 | ) | 1,079 |  | 7,833 |
Balance at September 30, |  | $ | 19,580 |  | $ | 18,282 |  | $ | 23,944 |  | $ | 1,049 |  | $ | 5,799 |  | $ | 6,126 |  | $ | 2,118 |  | $ | 1,508 |  | $ | 78,406 |
|  | September 30, |
|  | 2010 |
|  | (Dollars in Thousands) |
Balance at December 31, |  | $ | 95,393 |
Losses charged to allowance |  | (29,036 | )
Recoveries credited to allowance |  | 998 |
Net losses charged to allowance |  | (28,038 | )
Provision charged to operations |  | 15,495 |
Balance at September 30, |  | $ | 82,850 |
Loans individually or collectively evaluated for impairment and related allowance, by loan class |
|  | September 30, 2011 |
|  | Loans individually evaluated for impairment |  | Loans collectively evaluated for impairment |
|  | (Dollars in Thousands) |
|  | Recorded Investment |  | Allowance |  | Recorded Investment |  | Allowance |
Domestic |  |  |  |  |  |  |  |  |
Commercial |  | $ | 23,673 |  | $ | 8,049 |  | $ | 746,430 |  | $ | 11,531 |
Commercial real estate: other construction & land development |  | 61,286 |  | 3,000 |  | 1,194,082 |  | 15,282 |
Commercial real estate: farmland & commercial |  | 47,301 |  | 7,923 |  | 1,656,066 |  | 16,021 |
Commercial real estate: multifamily |  | 431 |  | — |  | 116,978 |  | 1,049 |
Residential: first lien |  | 2,181 |  | 94 |  | 520,158 |  | 5,705 |
Residential: junior lien |  | 1,722 |  | — |  | 404,824 |  | 6,126 |
Consumer |  | 1,299 |  | — |  | 99,995 |  | 2,118 |
Foreign |  | — |  | — |  | 245,774 |  | 1,508 |
Total |  | $ | 137,893 |  | $ | 19,066 |  | $ | 4,984,307 |  | $ | 59,340 |
|  | December 31, 2010 |
|  | Loans individually evaluated for impairment |  | Loans collectively evaluated for impairment |
|  | (Dollars in Thousands) |
|  | Recorded Investment |  | Allowance |  | Recorded Investment |  | Allowance |
Domestic |  |  |  |  |  |  |  |  |
Commercial |  | $ | 23,426 |  | $ | 8,138 |  | $ | 807,098 |  | $ | 13,908 |
Commercial real estate: other construction & land development |  | 77,207 |  | 592 |  | 1,396,264 |  | 26,103 |
Commercial real estate: farmland & commercial |  | 21,844 |  | 3,441 |  | 1,666,719 |  | 12,899 |
Commercial real estate: multifamily |  | 473 |  | — |  | 96,318 |  | 53 |
Residential: first lien |  | 2,015 |  | — |  | 531,440 |  | 10,059 |
Residential: junior lien |  | 199 |  | — |  | 415,328 |  | 2,611 |
Consumer |  | 29 |  | — |  | 126,018 |  | 6,241 |
Foreign |  | 7 |  | — |  | 245,618 |  | 437 |
Total |  | $ | 125,200 |  | $ | 12,171 |  | $ | 5,284,803 |  | $ | 72,311
Loans accounted on non-accrual basis, by loan class |
|  | September 30, 2011 |  | December 31, 2010 |
|  | (Dollars in Thousands) |
Domestic |  |  |  |  |
Commercial |  | $ | 22,880 |  | $ | 22,614 |
Commercial real estate: other construction & land development |  | 55,194 |  | 77,207 |
Commercial real estate: farmland & commercial |  | 26,129 |  | 5,486 |
Commercial real estate: multifamily |  | 431 |  | 473 |
Residential: first lien |  | 1,856 |  | 2,015 |
Residential: junior lien |  | 76 |  | 199 |
Consumer |  | 52 |  | 29 |
Foreign |  | — |  | 7 |
Total non-accrual loans |  | $ | 106,618 |  | $ | 108,030 |
Impaired loans, by loan class |
|  | September 30, 2011 |
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Recognized |
|  | (Dollars in Thousands) |
Loans with Related Allowance |  |  |  |  |  |  |  |  |  |  |
Domestic |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 23,018 |  | $ | 23,061 |  | $ | 8,049 |  | $ | 23,084 |  | $ | 30 |
Commercial real estate: other construction & land development |  | 35,250 |  | 35,272 |  | 3,000 |  | 35,248 |  | — |
Commercial real estate: farmland & commercial |  | 29,915 |  | 29,929 |  | 7,923 |  | 24,160 |  | 607 |
Residential: first lien |  | 389 |  | 389 |  | 94 |  | 389 |  | — |
Total impaired loans with related allowance |  | $ | 88,572 |  | $ | 88,651 |  | $ | 19,066 |  | $ | 82,881 |  | $ | 637 |
|  | September 30, 2011 |
|  | Recorded Investment |  | Unpaid Principal Balance |  | Average Recorded Investment |  | Interest Recognized |
|  | (Dollars in Thousands) |
Loans with No Related Allowance |  |  |  |  |  |  |  |  |
Domestic |  |  |  |  |  |  |  |  |
Commercial |  | $ | 655 |  | $ | 665 |  | $ | 662 |  | $ | — |
Commercial real estate: other construction & land development |  | 26,036 |  | 26,036 |  | 27,680 |  | 58 |
Commercial real estate: farmland & commercial |  | 17,386 |  | 17,832 |  | 17,145 |  | 48 |
Commercial real estate: multifamily |  | 431 |  | 431 |  | 447 |  | — |
Residential: first lien |  | 1,792 |  | 1,847 |  | 1,629 |  | 14 |
Residential: junior lien |  | 1,722 |  | 1,729 |  | 1,708 |  | 86 |
Consumer |  | 1,299 |  | 1,301 |  | 1,624 |  | — |
Total impaired loans with no related allowance |  | $ | 49,321 |  | $ | 49,841 |  | $ | 50,895 |  | $ | 206 |
|  | December 31, 2010 |
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Recognized |
|  | (Dollars in Thousands) |
Loans with Related Allowance |  |  |  |  |  |  |  |  |  |  |
Domestic |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 23,062 |  | $ | 23,071 |  | $ | 8,138 |  | $ | 23,096 |  | $ | 42 |
Commercial real estate: other construction & land development |  | 10,603 |  | 10,645 |  | 592 |  | 10,622 |  | — |
Commercial real estate: farmland & commercial |  | 17,841 |  | 17,878 |  | 3,441 |  | 18,475 |  | 860 |
Total impaired loans with related allowance |  | $ | 51,506 |  | $ | 51,594 |  | $ | 12,171 |  | $ | 52,193 |  | $ | 902 |
|  | December 31, 2010 |
|  | Recorded Investment |  | Unpaid Principal Balance |  | Average Recorded Investment |  | Interest Recognized |
|  | (Dollars in Thousands) |
Loans with No Related Allowance |  |  |  |  |  |  |  |  |
Domestic |  |  |  |  |  |  |  |  |
Commercial |  | $ | 364 |  | $ | 980 |  | $ | 993 |  | $ | 30 |
Commercial real estate: other construction & land development |  | 66,604 |  | 66,755 |  | 68,608 |  | 2 |
Commercial real estate: farmland & commercial |  | 4,003 |  | 5,606 |  | 5,594 |  | — |
Commercial real estate: multifamily |  | 473 |  | 473 |  | 500 |  | — |
Residential: first lien |  | 2,015 |  | 2,143 |  | 2,297 |  | — |
Residential: junior lien |  | 199 |  | 226 |  | 228 |  | — |
Consumer |  | 29 |  | 46 |  | 49 |  | — |
Foreign |  | 7 |  | 7 |  | 19 |  | — |
Total impaired loans with no related allowance |  | $ | 73,694 |  | $ | 76,236 |  | $ | 78,288 |  | $ | 32 |
Information regarding the aging of past due loans, by loan class |
|  | September 30, 2011 |
|  | 30 — 59 Days |  | 60 — 89 Days |  | 90 Days or Greater |  | 90 Days or greater & still accruing |  | Total Past due |  | Current |  | Total Portfolio |
|  | (Dollars in Thousands) |
Domestic |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 4,021 |  | $ | 817 |  | $ | 2,163 |  | $ | 1,429 |  | $ | 7,001 |  | $ | 763,102 |  | $ | 770,103 |
Commercial real estate: other construction & land development |  | 11,286 |  | 741 |  | 46,319 |  | 5,315 |  | 58,346 |  | 1,197,022 |  | 1,255,368 |
Commercial real estate: farmland & commercial |  | 6,111 |  | 4,069 |  | 17,679 |  | 1,329 |  | 27,859 |  | 1,675,508 |  | 1,703,367 |
Commercial real estate: multifamily |  | — |  | — |  | 431 |  | — |  | 431 |  | 116,978 |  | 117,409 |
Residential: first lien |  | 5,679 |  | 7,861 |  | 6,883 |  | 5,469 |  | 20,423 |  | 501,916 |  | 522,339 |
Residential: junior lien |  | 798 |  | 390 |  | 553 |  | 486 |  | 1,741 |  | 404,805 |  | 406,546 |
Consumer |  | 2,150 |  | 630 |  | 936 |  | 889 |  | 3,716 |  | 97,578 |  | 101,294 |
Foreign |  | 1,813 |  | 556 |  | 77 |  | 77 |  | 2,446 |  | 243,328 |  | 245,774 |
Total past due loans |  | $ | 31,858 |  | $ | 15,064 |  | $ | 75,041 |  | $ | 14,994 |  | $ | 121,963 |  | $ | 5,000,237 |  | $ | 5,122,200 |
|  | December 31, 2010 |
|  | 30 — 59 Days |  | 60 — 89 Days |  | 90 Days or Greater |  | 90 Days or greater & still accruing |  | Total Past due |  | Current |  | Total Portfolio |
|  | (Dollars in Thousands) |
Domestic |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 3,734 |  | $ | 861 |  | $ | 23,239 |  | $ | 1,029 |  | $ | 27,834 |  | $ | 802,690 |  | $ | 830,524 |
Commercial real estate: other construction & land development |  | 2,685 |  | 2,896 |  | 50,618 |  | 11,507 |  | 56,199 |  | 1,417,272 |  | 1,473,471 |
Commercial real estate: farmland & commercial |  | 3,077 |  | 817 |  | 6,600 |  | 1,585 |  | 10,494 |  | 1,678,069 |  | 1,688,563 |
Commercial real estate: multifamily |  | 73 |  | 185 |  | 473 |  | — |  | 731 |  | 96,060 |  | 96,791 |
Residential: first lien |  | 4,884 |  | 3,436 |  | 5,136 |  | 3,472 |  | 13,456 |  | 519,999 |  | 533,455 |
Residential: junior lien |  | 703 |  | 272 |  | 457 |  | 277 |  | 1,432 |  | 414,095 |  | 415,527 |
Consumer |  | 1,518 |  | 587 |  | 1,505 |  | 1,477 |  | 3,610 |  | 122,437 |  | 126,047 |
Foreign |  | 196 |  | 380 |  | 501 |  | 501 |  | 1,077 |  | 244,548 |  | 245,625 |
Total past due loans |  | $ | 16,870 |  | $ | 9,434 |  | $ | 88,529 |  | $ | 19,848 |  | $ | 114,833 |  | $ | 5,295,170 |  | $ | 5,410,003 |
Summary of the loan portfolio by credit quality indicator, by loan class |
|  | September 30, 2011 |
|  | Pass |  | Special Review |  | Watch List - Pass |  | Watch List- Substandard |  | Watch List - Impaired |
|  | (Dollars in Thousands) |
Domestic |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 658,927 |  | $ | 5,439 |  | $ | 6,642 |  | $ | 75,422 |  | $ | 23,673 |
Commercial real estate: other construction & land development |  | 1,036,331 |  | 76,435 |  | 5,956 |  | 75,360 |  | 61,286 |
Commercial real estate: farmland & commercial |  | 1,471,031 |  | 89,713 |  | 43,223 |  | 52,099 |  | 47,301 |
Commercial real estate: multifamily |  | 116,978 |  | — |  | — |  | — |  | 431 |
Residential: first lien |  | 516,375 |  | 841 |  | — |  | 2,942 |  | 2,181 |
Residential: junior lien |  | 404,225 |  | 266 |  | 323 |  | 10 |  | 1,722 |
Consumer |  | 99,975 |  | — |  | — |  | 20 |  | 1,299 |
Foreign |  | 245,288 |  | — |  | — |  | 486 |  | — |
Total |  | $ | 4,549,130 |  | $ | 172,694 |  | $ | 56,144 |  | $ | 206,339 |  | $ | 137,893 |
|  | December 31, 2010 |
|  | Pass |  | Special Review |  | Watch List - Pass |  | Watch List - Substandard |  | Watch List - Impaired |
|  | (Dollars in Thousands) |
Domestic |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 741,006 |  | $ | 14,015 |  | $ | 7,187 |  | $ | 44,890 |  | $ | 23,426 |
Commercial real estate: other construction & land development |  | 1,100,430 |  | 117,058 |  | 53,770 |  | 125,006 |  | 77,207 |
Commercial real estate: farmland & commercial |  | 1,521,243 |  | 42,353 |  | 29,936 |  | 73,187 |  | 21,844 |
Commercial real estate: multifamily |  | 94,973 |  | 1,345 |  | — |  | — |  | 473 |
Residential: first lien |  | 526,504 |  | 2,237 |  | 1,747 |  | 952 |  | 2,015 |
Residential: junior lien |  | 415,021 |  | — |  | — |  | 307 |  | 199 |
Consumer |  | 125,973 |  | 3 |  | — |  | 42 |  | 29 |
Foreign |  | 234,979 |  | 10,108 |  | — |  | 531 |  | 7 |
Total |  | $ | 4,760,129 |  | $ | 187,119 |  | $ | 92,640 |  | $ | 244,915 |  | $ | 125,200 |

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=6965416&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=6965416&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=6951925&loc=SL6953803-111525 + Details
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