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Allowance for Probable Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Allowance for Probable Loan Losses

Summary of the transactions in the allowance for probable loan losses

		Quarter ended June 30, 2012
		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 March 31,		$	24,577		$	19,766		$	21,810		$	849		$	4, 379		$	4,505		$	1,602		$	1,293		$	78,781
Losses charge to allowance		(3,064		)	(7,500		)	(4,482		)	—			(30		)	(399		)	(189		)	(5		)	(15,669		)
Recoveries credited to allowance		758			207			100			—			1			61			32			—			1,159
Net losses charged to allowance		(2,306		)	(7,293		)	(4,382		)	—			(29		)	(338		)	(157		)	(5		)	(14,510		)
(Credit) provision charged to operations		2,417			769			3,123			(46		)	(363		)	243			31			(67		)	6,107
Balance at June 30,		$	24,688		$	13,242		$	20,551		$	803		$	3,987		$	4,410		$	1,476		$	1,221		$	70,378

		Quarter ended June 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 March 31,		$	21,793		$	31,471		$	18,562		$	231		$	4,441		$	4,273		$	4,058		$	568		$	85,397
Losses charge to allowance		(3,865		)	(277		)	(645		)	—			(638		)	(331		)	(261		)	(4		)	(6,021		)
Recoveries credited to allowance		771			71			60			—			2			67			50			1			1,022
Net losses charged to allowance		(3,094		)	(206		)	(585		)	—			(636		)	(264		)	(211		)	(3		)	(4,999		)
(Credit) provision charged to operations		1,928			(11,189		)	3,351			623			2,305			1,524			(1,469		)	1,010			(1,917		)
Balance at June 30,		$	20,627		$	20,076		$	21,328		$	854		$	6,110		$	5,533		$	2,378		$	1,575		$	78,481

		Six Months Ended June 30, 2012
		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,		$	26,617		$	19,940		$	24,227		$	1,003		$	4,562		$	4,760		$	1,724		$	1,359		$	84,192
Losses charge to allowance		(6,488		)	(7,571		)	(12,476		)	—			(66		)	(711		)	(436		)	(5		)	(27,753		)
Recoveries credited to allowance		2,002			212			131			—			3			106			93			—			2,547
Net losses charged to allowance		(4,486		)	(7,359		)	(12,345		)	—			(63		)	(605		)	(343		)	(5		)	(25,206		)
(Credit) provision charged to operations		2,557			661			8,669			(200		)	(512		)	255			95			(133		)	11,392
Balance at June 30,		$	24,688		$	13,242		$	20,551		$	803		$	3,987		$	4,410		$	1,476		$	1,221		$	70,378

		Six Months Ended June 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		(6,819		)	(1,218		)	(645		)	—			(659		)	(566		)	(570		)	(13		)	(10,490		)
Recoveries credited to allowance		1,671			74			194			—			4			264			118			1			2,326
Net losses charged to allowance		(5,148		)	(1,144		)	(451		)	—			(655		)	(302		)	(452		)	(12		)	(8,164		)
(Credit) provision charged to operations		3,729			(5,475		)	5,439			801			(3,294		)	3,224			(3,411		)	1,150			2,163
Balance at June 30,		$	20,627		$	20,076		$	21,328		$	854		$	6,110		$	5,533		$	2,378		$	1,575		$	78,481

Loans individually or collectively evaluated for impairment and related allowance, by loan class

		June 30, 2012
		Loans individually evaluated for impairment						Loans collectively evaluated for impairment
		(Dollars in Thousands)
		Recorded Investment			Allowance			Recorded Investment			Allowance
Domestic
Commercial		$	28,053		$	15,098		$	780,188		$	9,590
Commercial real estate: other construction & land development		25,716			568			1,184,775			12,674
Commercial real estate: farmland & commercial		18,328			2,942			1,604,725			17,609
Commercial real estate: multifamily		382			—			101,594			803
Residential: first lien		2,752			23			459,751			3,964
Residential: junior lien		1,910			—			377,899			4,410
Consumer		1,079			—			82,120			1,476
Foreign		45			—			209,005			1,221
Total		$	78,265		$	18,631		$	4,800,057		$	51,747

		December 31, 2011
		Loans individually evaluated for impairment						Loans collectively evaluated for impairment
		(Dollars in Thousands)
		Recorded Investment			Allowance			Recorded Investment			Allowance
Domestic
Commercial		$	27,603		$	14,402		$	746,213		$	12,215
Commercial real estate: other construction & land development		60,428			3,073			1,212,961			16,867
Commercial real estate: farmland & commercial		42,231			9,754			1,622,456			14,473
Commercial real estate: multifamily		411			—			121,188			1,003
Residential: first lien		2,290			23			493,432			4,539
Residential: junior lien		1,962			—			398,186			4,760
Consumer		1,334			—			92,775			1,724
Foreign		46			—			229,959			1,359
Total		$	136,305		$	27,252		$	4,917,170		$	56,940

Loans accounted on non-accrual basis, by loan class

		June 30, 2012			December 31, 2011
		(Dollars in Thousands)
Domestic
Commercial		$	27,187		$	26,819
Commercial real estate: other construction & land development		25,716			54,336
Commercial real estate: farmland & commercial		16,065			34,910
Commercial real estate: multifamily		382			411
Residential: first lien		1,728			1,848
Residential: junior lien		214			135
Consumer		66			46
Foreign		—			—
Total non-accrual loans		$	71,358		$	118,505

Impaired loans, by loan class

		June 30, 2012
											Quarter to Date						Year to Date
		Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Recognized			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with Related Allowance
Domestic
Commercial		$	24,256		$	24,256		$	15,098		$	24,271		$	—		$	24,417		$	10
Commercial real estate: other construction & land development		3,671			3,671			568			27,377			—			33,384			—
Commercial real estate: farmland & commercial		8,817			11,954			2,942			12,553			23			13,539			46
Residential: first lien		201			201			23			202			—			203			—
Total impaired loans with related allowance		$	36,945		$	40,082		$	18,631		$	64,403		$	23		$	71,543		$	56

		June 30, 2012
								Quarter to Date						Year to Date
		Recorded Investment			Unpaid Principal Balance			Average Recorded Investment			Interest Recognized			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	3,797		$	3,908		$	3,798		$	1		$	3,808		$	1
Commercial real estate: other construction & land development		22,045			22,110			29,816			41			31,627			99
Commercial real estate: farmland & commercial		9,511			9,854			11,545			—			11,996			8
Commercial real estate: multifamily		382			382			387			—			394			—
Residential: first lien		2,551			2,588			2,681			11			2,596			16
Residential: junior lien		1,910			1,987			2,113			27			2,119			54
Consumer		1,080			1,081			1,178			—			1,323			—
Foreign		45			45			45			1			45			1
Total impaired loans with no related allowance		$	41,321		$	41,955		$	51,563		$	81		$	53,908		$	179

		December 31, 2011
											Year to Date
		Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with Related Allowance
Domestic
Commercial		$	24,108		$	24,108		$	14,402		$	24,145		$	41
Commercial real estate: other construction & land development		34,417			34,432			3,073			34,709			—
Commercial real estate: farmland & commercial		28,636			28,671			9,754			28,883			817
Residential: first lien		208			208			23			214			—
Total impaired loans with related allowance		$	87,369		$	87,419		$	27,252		$	87,951		$	858

		December 31, 2011
								Year to Date
		Recorded Investment			Unpaid Principal Balance			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	3,495		$	3,932		$	3,942		$	20
Commercial real estate: other construction & land development		26,011			26,112			27,722			128
Commercial real estate: farmland & commercial		13,595			15,394			16,271			102
Commercial real estate: multifamily		411			411			439			—
Residential: first lien		2,082			2,220			2,230			27
Residential: junior lien		1,962			1,970			1,980			118
Consumer		1,334			1,338			1,729			—
Foreign		46			46			46			4
Total impaired loans with no related allowance		$	48,936		$	51,423		$	54,359		$	399

		June 30, 2011
		Quarter to Date						Year to Date
		Average Recorded Investment			Interest Recognized			Average Recorded Investment			Interest Recognized
		(Dollars in thousands)
Loans with Related Allowance
Domestic
Commercial		$	22,944		$	10		$	22,948		$	20
Commercial real estate: other construction & land development		27,815			140			32,873			328
Commercial real estate: farmland & commercial		22,267			207			22,231			413
Residential: first lien		519			—			1,338			—
Total impaired loans with related allowance		$	73,545		$	357		$	79,390		$	761

		June 30, 2011
		Quarter to Date						Year to Date
		Average Recorded Investment			Interest Recognized			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	439		$	4		$	458		$	9
Commercial real estate: other construction & land development		24,637			24			28,473			56
Commercial real estate: farmland & commercial		5,501			—			4,783			—
Commercial real estate: multifamily		445			—			454			—
Residential: first lien		1,944			3			2,000			3
Residential: junior lien		1,531			48			1,535			48
Consumer		1,228			—			1,372			—
Foreign		2			––			3			––
Total impaired loans with no related allowance		$	35,727		$	79		$	39,078		$	116

Information regarding the aging of past due loans, by loan class

		June 30, 2012
		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		$	4,739		$	1,364		$	5,511		$	350		$	11,614		$	796,627		$	808,241
Commercial real estate: other construction & land development		8,933			41			24,901			1,032			33,875			1,176,616			1,210,491
Commercial real estate: farmland & commercial		3,687			1,350			6,371			935			11,408			1,611,645			1,623,053
Commercial real estate: multifamily		186			—			382			—			568			101,408			101,976
Residential: first lien		4,930			2,216			11,445			10,117			18,591			443,912			462,503
Residential: junior lien		680			211			419			273			1,310			378,499			379,809
Consumer		1,288			504			985			919			2,777			80,422			83,199
Foreign		1,989			241			54			54			2,284			206,766			209,050
Total past due loans		$	26,432		$	5,927		$	50,068		$	13,680		$	82,427		$	4,795,895		$	4,878,322

		December 31, 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		$	5,180		$	1,369		$	1,842		$	1,490		$	8,391		$	765,425		$	773,816
Commercial real estate: other construction & land development		23,426			4,360			49,887			979			77,673			1,195,716			1,273,389
Commercial real estate: farmland & commercial		9,467			10,269			7,879			1,231			27,615			1,637,072			1,664,687
Commercial real estate: multifamily		450			—			411			—			861			120,738			121,599
Residential: first lien		6,207			2,757			10,295			9,382			19,259			476,463			495,722
Residential: junior lien		1,433			378			368			320			2,179			397,969			400,148
Consumer		1,643			408			912			866			2,963			91,146			94,109
Foreign		666			53			20			20			739			229,266			230,005
Total past due loans		$	48,472		$	19,594		$	71,614		$	14,288		$	139,680		$	4,913,795		$	5,053,475

Summary of the loan portfolio by credit quality indicator, by loan class

		June 30, 2012
		Pass			Special Review			Watch List - Pass			Watch List - Substandard			Watch List - Impaired
		(Dollars in Thousands)
Domestic
Commercial		$	691,662		$	5,460		$	5,522		$	77,544		$	28,053
Commercial real estate: other construction & land development		1,131,653			14,641			5,411			33,070			25,716
Commercial real estate: farmland & commercial		1,453,930			84,131			44,381			22,283			18,328
Commercial real estate: multifamily		101,538			—			—			56			382
Residential: first lien		452,856			366			33			6,496			2,752
Residential: junior lien		376,000			79			320			1,500			1,910
Consumer		82,083			—			37			—			1,079
Foreign		208,960			—			45			—			45
Total		$	4,498,682		$	104,677		$	55,749		$	140,949		$	78,265

		December 31, 2011
		Pass			Special Review			Watch List - Pass			Watch List - Substandard			Watch List - Impaired
		(Dollars in Thousands)
Domestic
Commercial		$	655,154		$	5,279		$	6,361		$	79,419		$	27,603
Commercial real estate: other construction & land development		1,058,843			76,722			11,083			66,313			60,428
Commercial real estate: farmland & commercial		1,449,822			83,581			40,510			48,543			42,231
Commercial real estate: multifamily		121,188			—			—			—			411
Residential: first lien		490,924			132			974			1,402			2,290
Residential: junior lien		397,861			—			319			6			1,962
Consumer		92,714			—			41			20			1,334
Foreign		229,898			—			61			—			46
Total		$	4,496,404		$	165,714		$	59,349		$	195,703		$	136,305

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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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-Name Accounting Standards Codification

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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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