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Allowance for Probable Loan Losses (Tables)

9 Months Ended

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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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.

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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.

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Tabular disclosure of impaired financing receivables.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

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