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Allowance for Loan and Lease Losses (Tables) | 3 Months Ended
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Mar. 31, 2014
Loans Receivable [Abstract] |
Allowance for Credit Losses on Financing Receivables [Table Text Block] | The composition of the Company's allowance for loan and lease losses at March 31, 2014 and December 31, 2013 was as follows:
| March 31, |  | December 31,
| 2014 |  | 2013
| (In thousands)
Allowance for loans and lease losses on non-covered loans: |  |  |  |  |
Originated and other loans and leases held for investment: |  |  |  |  |
Mortgage | $ | 19,511 |  | $ | 19,937
Commercial |  | 13,994 |  |  | 14,897
Consumer |  | 7,135 |  |  | 6,006
Auto and leasing |  | 8,731 |  |  | 7,866
Unallocated |  | 136 |  |  | 375
|  | 49,507 |  |  | 49,081
Acquired loans: |  |  |  |  |
Accounted for under ASC 310-20 (Loans with revolving feature and/or |  |  |  |  |
acquired at a premium) |  |  |  |  |
Commercial |  | 867 |  |  | 926
Consumer |  | 504 |  |  | -
Auto |  | 2,247 |  |  | 1,428
|  | 3,618 |  |  | 2,354
Accounted for under ASC 310-30 (Loans acquired with deteriorated |  |  |  |  |
credit quality, including those by analogy) |  |  |  |  |
Commercial |  | 2,653 |  |  | 1,713
Consumer |  | 405 |  |  | 418
Auto |  | - |  |  | 732
|  | 3,058 |  |  | 2,863
|  | 56,183 |  |  | 54,298
Allowance for loans and lease losses on covered loans: |  |  |  |  |
Loans secured by 1-4 family residential properties |  | 14,221 |  |  | 12,495
Commercial and other construction |  | 39,562 |  |  | 39,619
Consumer |  | 615 |  |  | 615
|  | 54,398 |  |  | 52,729
Total allowance for loan and lease losses | $ | 110,581 |  | $ | 107,027
The following table s present the activity in our allowance for loan and lease losses and the related recorded investment of the associated loans for our originated and other loan s held for investment portfolio by segment for the period s indicated:
| Quarter Ended March 31, 2014
|  |  |  |  |  |  |  |  |  | Auto and |  |  |  |  |  |
| Mortgage |  | Commercial |  | Consumer |  | Leasing |  | Unallocated |  | Total
| (In thousands)
Allowance for loan and lease losses for non-covered originated and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 19,937 |  | $ | 14,897 |  | $ | 6,006 |  | $ | 7,866 |  | $ | 375 |  | $ | 49,081
Charge-offs |  | (1,214) |  |  | (419) |  |  | (838) |  |  | (4,645) |  |  | - |  |  | (7,116)
Recoveries |  | 148 |  |  | 98 |  |  | 147 |  |  | 1,524 |  |  | - |  |  | 1,917
Provision for non-covered originated and other loan and lease losses |  | 640 |  |  | (582) |  |  | 1,820 |  |  | 3,986 |  |  | (239) |  |  | 5,625
Balance at end of period | $ | 19,511 |  | $ | 13,994 |  | $ | 7,135 |  | $ | 8,731 |  | $ | 136 |  | $ | 49,507
| March 31, 2014
| Mortgage |  | Commercial |  | Consumer |  | Auto and Leasing |  | Unallocated |  | Total
| (In thousands)
Allowance for loan and lease losses on non-covered originated and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8,001 |  | $ | 1,704 |  | $ | - |  | $ | - |  | $ | - |  | $ | 9,705
Collectively evaluated for impairment |  | 11,510 |  |  | 12,290 |  |  | 7,135 |  |  | 8,731 |  |  | 136 |  |  | 39,802
Total ending allowance balance | $ | 19,511 |  | $ | 13,994 |  | $ | 7,135 |  | $ | 8,731 |  | $ | 136 |  | $ | 49,507
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 87,744 |  | $ | 27,767 |  | $ | - |  | $ | - |  | $ | - |  | $ | 115,511
Collectively evaluated for impairment |  | 694,406 |  |  | 1,142,378 |  |  | 142,492 |  |  | 447,940 |  |  | - |  |  | 2,427,216
Total ending loan balance | $ | 782,150 |  | $ | 1,170,145 |  | $ | 142,492 |  | $ | 447,940 |  | $ | - |  | $ | 2,542,727
| Quarter Ended March 31, 2013
| Mortgage |  | Commercial |  | Consumer |  | Auto and Leasing |  | Unallocated |  | Total
| (In thousands)
Allowance for loan and lease losses for non-covered originated and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 21,092 |  | $ | 17,072 |  | $ | 856 |  | $ | 533 |  | $ | 368 |  | $ | 39,921
Charge-offs |  | (2,588) |  |  | (557) |  |  | (246) |  |  | (91) |  |  | - |  |  | (3,482)
Recoveries |  | - |  |  | 28 |  |  | 65 |  |  | 7 |  |  | - |  |  | 100
Provision for (recapture of) non-covered originated and other loan and lease losses |  | 4,385 |  |  | (229) |  |  | 638 |  |  | 1,292 |  |  | (291) |  |  | 5,795
Balance at end of period | $ | 22,889 |  | $ | 16,314 |  | $ | 1,313 |  | $ | 1,741 |  | $ | 77 |  | $ | 42,334
| December 31, 2013
| Mortgage |  | Commercial |  | Consumer |  | Auto and Leasing |  | Unallocated |  | Total
| (In thousands)
Allowance for loan and lease losses for non-covered originated and other loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8,708 |  | $ | 1,431 |  | $ | - |  | $ | - |  | $ | - |  | $ | 10,139
Collectively evaluated for impairment |  | 11,229 |  |  | 13,466 |  |  | 6,006 |  |  | 7,866 |  |  | 375 |  |  | 38,942
Total ending allowance balance | $ | 19,937 |  | $ | 14,897 |  | $ | 6,006 |  | $ | 7,866 |  | $ | 375 |  | $ | 49,081
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 84,494 |  | $ | 28,145 |  | $ | - |  | $ | - |  | $ | - |  | $ | 112,639
Collectively evaluated for impairment |  | 681,771 |  |  | 1,099,512 |  |  | 127,744 |  |  | 379,874 |  |  | - |  |  | 2,288,901
Total ending loans balance | $ | 766,265 |  | $ | 1,127,657 |  | $ | 127,744 |  | $ | 379,874 |  | $ | - |  | $ | 2,401,540
The following table s present the activity in our allowance for loan losses and related recorded investment of the associated loans in our non-covered acquired loan portfolio, excluding loans accounted for under ASC 310-30, for the quarter ended March 3 1, 201 4
| Quarter Ended March 31, 2014
| Commercial |  | Consumer |  | Auto |  | Unallocated |  | Total
Allowance for loan and lease losses for non-covered acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 926 | $ 1 | $ | - |  | $ | 1,428 |  | $ | - |  | $ | 2,354
Charge-offs |  | (174) |  |  | (2,058) |  |  | (1,296) |  |  | - |  |  | (3,528)
Recoveries |  | - |  |  | 100 |  |  | 450 |  |  | - |  |  | 550
Provision for non-covered acquired loan and lease losses accounted for under ASC 310-20 |  | 115 |  |  | 2,462 |  |  | 1,665 |  |  | - |  |  | 4,242
Balance at end of period | $ | 867 |  | $ | 504 |  | $ | 2,247 |  | $ | - |  | $ | 3,618
| March 31, 2014
| Commercial |  | Consumer |  | Auto |  | Unallocated |  | Total
Allowance for loan and lease losses on non-covered acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | 867 |  |  | 504 |  |  | 2,247 |  |  | - |  |  | 3,618
Total ending allowance balance | $ | 867 |  | $ | 504 |  | $ | 2,247 |  | $ | - |  | $ | 3,618
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | 71,577 |  |  | 52,049 |  |  | 268,865 |  |  | - |  |  | 392,491
Total ending loan balance | $ | 71,577 |  | $ | 52,049 |  | $ | 268,865 |  | $ | - |  | $ | 392,491
| Quarter Ended March 31, 2013
| Commercial |  | Consumer |  | Auto |  | Unallocated |  | Total
Allowance for loan and lease losses for non-covered acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | - | $ 1 | $ | - |  | $ | - |  | $ | - |  | $ | -
Charge-offs |  | - |  |  | (1,456) |  |  | (1,715) |  |  | - |  |  | (3,171)
Recoveries |  | - |  |  | 207 |  |  | 1,230 |  |  | - |  |  | 1,437
Provision for non-covered acquired loan and lease losses accounted for under ASC 310-20 |  | 386 |  |  | 1,249 |  |  | 485 |  |  | - |  |  | 2,120
Balance at end of period | $ | 386 |  | $ | - |  | $ | - |  | $ | - |  | $ | 386
| December 31, 2013
| Commercial |  | Consumer |  | Auto |  | Unallocated |  | Total
Allowance for loan and lease losses on non-covered acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | 926 |  |  | - |  |  | 1,428 |  |  | - |  |  | 2,354
Total ending allowance balance | $ | 926 |  | $ | - |  | $ | 1,428 |  | $ | - |  | $ | 2,354
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | 77,681 |  |  | 56,174 |  |  | 301,584 |  |  | - |  |  | 435,439
Total ending loan balance | $ | 77,681 |  | $ | 56,174 |  | $ | 301,584 |  | $ | - |  | $ | 435,439
The following table s present the activity in our allowance for loan losses and related recorded investment of the associated loans in our non-covered acquired loan portfolio accounted for under ASC 310-30, for the quarter ended March 31, 2014:
| Quarter Ended March 31, 2014
| Mortgage |  | Commercial |  | Construction |  | Consumer |  | Auto |  | Total
Allowance for loan and lease losses for non-covered loans accounted for under ASC 310-30: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | - | $ 1 | $ | 1,713 | $ 1 | $ | - | $ 1 | $ | 418 |  | $ | 732 |  | $ | 2,863
Provision for non-covered acquired loan and lease losses accounted for under ASC 310-30 |  | - |  |  | 940 |  |  | - |  |  | (13) |  |  | (732) |  |  | 195
Balance at end of period | $ | - |  | $ | 2,653 |  | $ | - |  | $ | 405 |  | $ | - |  | $ | 3,058
Impaired Financing Receivables [Table Text Block] | The Company's recorded investment in commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, and the related allowance for loan and lease losses at March 31, 2014 and December 31, 2013 are as follows: Originated and Other Loans and Leases Held for Investment
| March 31, 2014
| Unpaid |  | Recorded |  | Related |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with specific allowance: |  |  |  |  |  |  |  |  |  |
Commercial | $ | 7,856 |  | $ | 6,686 |  | $ | 1,704 |  | 25%
Residential troubled-debt restructuring |  | 92,870 |  |  | 87,744 |  |  | 8,002 |  | 9%
Impaired loans with no specific allowance: |  |  |  |  |  |  |  |  |  |
Commercial |  | 26,744 |  |  | 21,081 |  |  | N/A |  | N/A
Total investment in impaired loans | $ | 127,470 |  | $ | 115,511 |  | $ | 9,706 |  | 8%
| December 31, 2013
| Unpaid |  | Recorded |  | Related |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |
Commercial | $ | 6,600 |  | $ | 5,553 |  | $ | 1,431 |  | 26%
Residential troubled-debt restructuring |  | 89,539 |  |  | 84,494 |  |  | 8,708 |  | 10%
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |
Commercial |  | 27,914 |  |  | 22,592 |  |  | N/A |  | N/A
Total investment in impaired loans | $ | 124,053 |  | $ | 112,639 |  | $ | 10,139 |  | 9%
Acquired Loans Accounted for under ASC-310-20 (Loans with revolving feature and/or acquired at a premium)
| March 31, 2014
| Unpaid |  | Recorded |  | Related |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |
Commercial |  | 208 |  |  | 208 |  |  | N/A |  | N/A
Total investment in impaired loans | $ | 208 |  | $ | 208 |  | $ | - |  | 0%
| December 31, 2013
| Unpaid |  | Recorded |  | Specific |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |
Commercial |  | 208 |  |  | 208 |  |  | N/A |  | N/A
Total investment in impaired loans | $ | 208 |  | $ | 208 |  | $ | - |  | 0%
The Company's recorded investment in non-covered acquired loan pools accounted for under ASC 310-30 and their related allowance for non-covered loan and lease losses at March 31, 2014 and December 31, 2013 are as follows Acquired Loans Accounted for under ASC 310-3 0 (including those accounted for under ASC 310-30 by analogy
| March 31, 2014
| Unpaid |  | Recorded |  |  |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired non-covered loan pools: |  |  |  |  |  |  |  |  |  |
Mortgage | $ | 5,008 |  | $ | 4,510 |  | $ | 57 |  | 1%
Commercial |  | 89,496 |  |  | 78,742 |  |  | 879 |  | 1%
Construction |  | 46,256 |  |  | 40,397 |  |  | 1,773 |  | 4%
Consumer |  | 61,584 |  |  | 53,307 |  |  | 349 |  | 1%
Total investment in impaired non-covered loan pools | $ | 202,344 |  | $ | 176,956 |  | $ | 3,058 |  | 2%
| December 31, 2013
| Unpaid |  | Recorded |  |  |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired non-covered loan pools: |  |  |  |  |  |  |  |  |  |
Mortgage | $ | 5,183 |  | $ | 4,718 |  | $ | 57 |  | 1%
Commercial |  | 48,100 |  |  | 40,411 |  |  | 394 |  | 1%
Construction |  | 21,526 |  |  | 17,818 |  |  | 1,319 |  | 7%
Consumer |  | 73,043 |  |  | 63,606 |  |  | 361 |  | 1%
Auto |  | 379,236 |  |  | 377,316 |  |  | 732 |  | 0%
Total investment in impaired non-covered loan pools | $ | 527,088 |  | $ | 503,869 |  | $ | 2,863 |  | 1%
The following table presents the interest recognized in commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, for the quarters ended March 3 1, 201 4 and 2013
| Quarter Ended March 31,
| 2014 |  | 2013
| Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment
| (In thousands)
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 24 |  | $ | 6,259 |  | $ | 4 |  | $ | 15,472
Residential troubled-debt restructuring |  | 645 |  |  | 87,052 |  |  | 443 |  |  | 78,748
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 78 |  |  | 21,629 |  |  | 293 |  |  | 30,360
Total interest income from impaired loans | $ | 747 |  | $ | 114,940 |  | $ | 740 |  | $ | 124,580
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | Modifications The follow ing table presents the troubled-debt restructuring s during the quarter s ended March 31, 2014 and 2013:
| Quarter Ended March 31, 2014
| Number of contracts |  | Pre-Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Mortgage | 34 |  | $ | 4,009 |  | 6.43% |  | 347 |  | $ | 3,910 |  | 4.35% |  | 375
Consumer | 5 |  |  | 42 |  | 12.97% |  | 67 |  |  | 44 |  | 12.95% |  | 66
| Quarter Ended March 31, 2013
| Number of contracts |  | Pre- Modification Outstanding Recorded Investment |  | Pre-Modification Weighted Average Rate |  | Pre-Modification Weighted Average Term (in Months) |  | Post-Modification Outstanding Recorded Investment |  | Post-Modification Weighted Average Rate |  | Post-Modification Weighted Average Term (in Months)
| (Dollars in thousands)
Mortgage | 57 |  | $ | 7,518 |  | 6.28% |  | 331 |  | $ | 8,040 |  | 4.35% |  | 409
The following table presents troubled-debt restructurings for which there was a p ayment default during the twelve-month period ended March 3 1, 201 4 and 2013:
| Twelve-Month Period Ended March 31,
| 2014 |  | 2013
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
| (Dollars in thousands)
Mortgage | 19 |  | $ | 2,592 |  | 32 |  | $ | 4,295
Commercial | - |  | $ | - |  | 1 |  | $ | 18
Consumer | 1 |  | $ | 11 |  | - |  | $ | -
Financing Receivable Credit Quality Indicators [Table Text Block] | As of March 31, 2014 and December 31, 201 3, and based on the most recent analysis performed, the ris k category of gross non-covered originated and other loans and acquired loans accounted for under ASC 310-20 subject to risk rating by class of loans is as follows:
| March 31, 2014
| Risk Ratings
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | Individually
| Balance |  |  |  |  | Special |  |  |  |  |  |  |  | Measured for
| Outstanding |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Impairment
| (In thousands)
Commercial - originated and other loans held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate | $ | 62,935 |  | $ | 62,935 |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Institutional |  | 9,833 |  |  | 9,833 |  |  | - |  |  | - |  |  | - |  |  | -
Middle market |  | 169,753 |  |  | 141,537 |  |  | 16,619 |  |  | - |  |  | - |  |  | 11,597
Retail |  | 156,694 |  |  | 139,971 |  |  | 1,929 |  |  | 1,892 |  |  | - |  |  | 12,902
Floor plan |  | 1,699 |  |  | 1,699 |  |  | - |  |  | - |  |  | - |  |  | -
Real estate |  | 11,837 |  |  | 11,837 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 412,751 |  |  | 367,812 |  |  | 18,548 |  |  | 1,892 |  |  | - |  |  | 24,499
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 28,475 |  |  | 28,475 |  |  | - |  |  | - |  |  | - |  |  | -
Institutional |  | 553,249 |  |  | 553,249 |  |  | - |  |  | - |  |  | - |  |  | -
Middle market |  | 82,933 |  |  | 77,566 |  |  | 3,336 |  |  | 771 |  |  | - |  |  | 1,260
Retail |  | 67,055 |  |  | 63,366 |  |  | 119 |  |  | 1,562 |  |  | - |  |  | 2,008
Floor plan |  | 25,682 |  |  | 25,372 |  |  | 202 |  |  | 108 |  |  | - |  |  | -
|  | 757,394 |  |  | 748,028 |  |  | 3,657 |  |  | 2,441 |  |  | - |  |  | 3,268
Total |  | 1,170,145 |  |  | 1,115,840 |  |  | 22,205 |  |  | 4,333 |  |  | - |  |  | 27,767
Commercial - acquired loans (under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 11,079 |  |  | 11,079 |  |  | - |  |  | - |  |  | - |  |  | -
Retail |  | 4,301 |  |  | 3,490 |  |  | 245 |  |  | 566 |  |  | - |  |  | -
Floor plan |  | 2,752 |  |  | 2,651 |  |  | - |  |  | 101 |  |  | - |  |  | -
|  | 18,132 |  |  | 17,220 |  |  | 245 |  |  | 667 |  |  | - |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 2,947 |  |  | 2,851 |  |  | - |  |  | 96 |  |  | - |  |  | -
Institutional |  | 221 |  |  | 221 |  |  | - |  |  | - |  |  | - |  |  | -
Retail |  | 17,216 |  |  | 16,460 |  |  | 100 |  |  | 656 |  |  | - |  |  | -
Floor plan |  | 33,061 |  |  | 32,998 |  |  | 63 |  |  | - |  |  | - |  |  | -
|  | 53,445 |  |  | 52,530 |  |  | 163 |  |  | 752 |  |  | - |  |  | -
Total |  | 71,577 |  |  | 69,750 |  |  | 408 |  |  | 1,419 |  |  | - |  |  | -
Total | $ | 1,241,722 |  | $ | 1,185,590 |  | $ | 22,613 |  | $ | 5,752 |  | $ | - |  | $ | 27,767
| December 31, 2013
| Risk Ratings
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | Individually
| Balance |  |  |  |  | Special |  |  |  |  |  |  |  | Measured for
| Outstanding |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Impairment
| (In thousands)
Commercial - originated and other loans held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate | $ | 54,796 |  | $ | 54,796 |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Institutional |  | 4,050 |  |  | 4,050 |  |  | - |  |  | - |  |  | - |  |  | -
Middle market |  | 161,583 |  |  | 133,061 |  |  | 16,627 |  |  | 118 |  |  | - |  |  | 11,777
Retail |  | 166,642 |  |  | 149,018 |  |  | 2,182 |  |  | 2,258 |  |  | - |  |  | 13,184
Floor plan |  | 1,835 |  |  | 1,835 |  |  | - |  |  | - |  |  | - |  |  | -
Real estate |  | 11,655 |  |  | 11,655 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 400,561 |  |  | 354,415 |  |  | 18,809 |  |  | 2,376 |  |  | - |  |  | 24,961
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 32,598 |  |  | 32,598 |  |  | - |  |  | - |  |  | - |  |  | -
Institutional |  | 536,445 |  |  | 536,445 |  |  | - |  |  | - |  |  | - |  |  | -
Middle market |  | 58,897 |  |  | 53,868 |  |  | 3,466 |  |  | 198 |  |  | - |  |  | 1,365
Retail |  | 61,510 |  |  | 58,742 |  |  | 257 |  |  | 691 |  |  | - |  |  | 1,820
Floor plan |  | 37,646 |  |  | 37,350 |  |  | 188 |  |  | 108 |  |  | - |  |  | -
|  | 727,096 |  |  | 719,003 |  |  | 3,911 |  |  | 997 |  |  | - |  |  | 3,185
Total |  | 1,127,657 |  |  | 1,073,418 |  |  | 22,720 |  |  | 3,373 |  |  | - |  |  | 28,146
Commercial - acquired loans (under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 10,166 |  |  | 10,166 |  |  | - |  |  | - |  |  | - |  |  | -
Retail |  | 5,770 |  |  | 4,378 |  |  | 443 |  |  | 949 |  |  | - |  |  | -
Floor plan |  | 2,677 |  |  | 2,576 |  |  | - |  |  | 101 |  |  | - |  |  | -
|  | 18,613 |  |  | 17,120 |  |  | 443 |  |  | 1,050 |  |  | - |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 9,793 |  |  | 9,696 |  |  | - |  |  | 97 |  |  | - |  |  | -
Retail |  | 27,338 |  |  | 26,044 |  |  | 150 |  |  | 1,144 |  |  | - |  |  | -
Floor plan |  | 21,937 |  |  | 21,769 |  |  | 168 |  |  | - |  |  | - |  |  | -
|  | 59,068 |  |  | 57,509 |  |  | 318 |  |  | 1,241 |  |  | - |  |  | -
Total |  | 77,681 |  |  | 74,629 |  |  | 761 |  |  | 2,291 |  |  | - |  |  | -
Total | $ | 1,205,338 |  | $ | 1,148,047 |  | $ | 23,481 |  | $ | 5,664 |  | $ | - |  | $ | 28,146
| March 31, 2014
| Delinquency
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Individually
| Balance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Measured for
| Outstanding |  | 0-29 days |  | 30-59 days |  | 60-89 days |  | 90-119 days |  | 120-364 days |  | 365+ days |  | Impairment
| (In thousands)
Originated and other loans and leases held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Traditional (by origination year) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Up to the year 2002 | $ | 72,096 |  | $ | 61,268 |  | $ | 5,230 |  | $ | 2,621 |  | $ | 382 |  | $ | 1,037 |  | $ | 1,459 |  | $ | 99
Years 2003 and 2004 |  | 63,515 |  |  | 53,170 |  |  | 5,494 |  |  | 2,445 |  |  | 484 |  |  | 1,246 |  |  | 612 |  |  | 64
Year 2005 |  | 87,818 |  |  | 72,414 |  |  | 6,448 |  |  | 2,288 |  |  | 1,233 |  |  | 3,576 |  |  | 1,324 |  |  | 535
Year 2006 |  | 116,904 |  |  | 97,822 |  |  | 10,151 |  |  | 4,376 |  |  | 1,169 |  |  | 2,410 |  |  | 850 |  |  | 126
Years 2007, 2008 and 2009 |  | 97,840 |  |  | 87,065 |  |  | 3,807 |  |  | 2,025 |  |  | 223 |  |  | 3,619 |  |  | 875 |  |  | 226
Years 2010, 2011, 2012 2013 and 2014 |  | 182,167 |  |  | 164,134 |  |  | 2,126 |  |  | 721 |  |  | 1,070 |  |  | 1,004 |  |  | 1,064 |  |  | 12,048
|  | 620,340 |  |  | 535,873 |  |  | 33,256 |  |  | 14,476 |  |  | 4,561 |  |  | 12,892 |  |  | 6,184 |  |  | 13,098
Non-traditional |  | 39,790 |  |  | 35,078 |  |  | 1,744 |  |  | 470 |  |  | - |  |  | 1,439 |  |  | 986 |  |  | 73
Loss mitigation program |  | 86,005 |  |  | 8,366 |  |  | 1,001 |  |  | 171 |  |  | 219 |  |  | 779 |  |  | 896 |  |  | 74,573
|  | 746,135 |  |  | 579,317 |  |  | 36,001 |  |  | 15,117 |  |  | 4,780 |  |  | 15,110 |  |  | 8,066 |  |  | 87,744
Home equity secured personal loans |  | 733 |  |  | 595 |  |  | - |  |  | - | - |  | - |  |  | 126 |  |  | 12 |  |  | -
GNMA's buy-back option program |  | 35,282 |  |  | - |  |  | - |  |  | - | - |  | 5,529 |  |  | 16,742 |  |  | 13,011 |  |  | -
|  | 782,150 |  |  | 579,912 |  |  | 36,001 |  |  | 15,117 |  |  | 10,309 |  |  | 31,978 |  |  | 21,089 |  |  | 87,744
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 15,490 |  |  | 14,701 |  |  | 263 |  |  | 171 |  |  | 136 |  |  | 219 |  |  | - |  |  | -
Overdrafts |  | 331 |  |  | 289 |  |  | 28 |  |  | 11 |  |  | 1 |  |  | 2 |  |  | - |  |  | -
Unsecured personal lines of credit |  | 1,934 |  |  | 1,718 |  |  | 60 |  |  | 99 |  |  | 15 |  |  | 35 |  |  | 7 |  |  | -
Unsecured personal loans |  | 108,037 |  |  | 105,369 |  |  | 1,397 |  |  | 512 |  |  | 195 |  |  | 42 |  |  | 12 |  |  | 510
Cash collateral personal loans |  | 16,700 |  |  | 16,263 |  |  | 375 |  |  | 46 |  |  | 13 |  |  | 3 |  |  | - |  |  | -
|  | 142,492 |  |  | 138,340 |  |  | 2,123 |  |  | 839 |  |  | 360 |  |  | 301 |  |  | 19 |  |  | 510
Auto and Leasing |  | 447,940 |  |  | 399,721 |  |  | 33,788 |  |  | 8,559 |  |  | 3,461 |  |  | 2,411 |  |  | - |  |  | -
|  | 1,372,582 |  |  | 1,117,973 |  |  | 71,912 |  |  | 24,515 |  |  | 14,130 |  |  | 34,690 |  |  | 21,108 |  |  | 88,254
Acquired loans (accounted for under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 48,381 |  |  | 44,111 |  |  | 1,413 |  |  | 781 |  |  | 743 |  |  | 1,333 |  |  | - |  |  | -
Personal loans |  | 3,668 |  |  | 3,423 |  |  | 105 |  |  | 83 |  |  | 4 |  |  | 53 |  |  | - |  |  | -
|  | 52,049 |  |  | 47,534 |  |  | 1,518 |  |  | 864 |  |  | 747 |  |  | 1,386 |  |  | - |  |  | -
Auto |  | 268,865 |  |  | 250,840 |  |  | 13,161 |  |  | 3,522 |  |  | 804 |  |  | 538 |  |  | - |  |  | -
|  | 320,914 |  |  | 298,374 |  |  | 14,679 |  |  | 4,386 |  |  | 1,551 |  |  | 1,924 |  |  | - |  |  | -
Total | $ | 1,693,496 |  | $ | 1,416,347 |  | $ | 86,591 |  | $ | 28,901 |  | $ | 15,681 |  | $ | 36,614 |  | $ | 21,108 |  | $ | 88,254
| December 31, 2013
| Delinquency
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Individually
| Balance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Measured for
| Outstanding |  | 0-29 days |  | 30-59 days |  | 60-89 days |  | 90-119 days |  | 120-364 days |  | 365+ days |  | Impairment
| (In thousands)
Originated and other loans and leases held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Traditional (by origination year) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Up to the year 2002 | $ | 76,512 |  | $ | 64,743 |  | $ | 6,594 |  | $ | 1,634 |  | $ | 868 |  | $ | 1,082 |  | $ | 1,458 |  | $ | 133
Years 2003 and 2004 |  | 65,117 |  |  | 56,283 |  |  | 4,722 |  |  | 1,938 |  |  | 56 |  |  | 1,437 |  |  | 352 |  |  | 329
Year 2005 |  | 89,541 |  |  | 74,016 |  |  | 8,414 |  |  | 2,119 |  |  | 1,198 |  |  | 3,037 |  |  | 573 |  |  | 184
Year 2006 |  | 120,322 |  |  | 99,243 |  |  | 12,055 |  |  | 4,312 |  |  | 1,148 |  |  | 2,755 |  |  | 515 |  |  | 294
Years 2007, 2008 and 2009 |  | 101,150 |  |  | 91,920 |  |  | 3,464 |  |  | 1,104 |  |  | 1,264 |  |  | 2,844 |  |  | 554 |  |  | -
Years 2010, 2011, 2012 and 2013 |  | 149,546 |  |  | 134,577 |  |  | 3,192 |  |  | 1,609 |  |  | 115 |  |  | 974 |  |  | 989 |  |  | 8,090
|  | 602,188 |  |  | 520,782 |  |  | 38,441 |  |  | 12,716 |  |  | 4,649 |  |  | 12,129 |  |  | 4,441 |  |  | 9,030
Non-traditional |  | 42,102 |  |  | 35,168 |  |  | 3,217 |  |  | 1,162 |  |  | - |  |  | 1,324 |  |  | 833 |  |  | 398
Loss mitigation program |  | 86,318 |  |  | 7,762 |  |  | 1,376 |  |  | 149 |  |  | 624 |  |  | 312 |  |  | 1,029 |  |  | 75,066
|  | 730,608 |  |  | 563,712 |  |  | 43,034 |  |  | 14,027 |  |  | 5,273 |  |  | 13,765 |  |  | 6,303 |  |  | 84,494
Home equity secured personal loans |  | 736 |  |  | 598 |  |  | - |  |  | - | - |  | - |  |  | 126 |  |  | 12 |  |  | -
GNMA's buy-back option program |  | 34,921 |  |  | - |  |  | - |  |  | - | - |  | 7,670 |  |  | 14,425 |  |  | 12,826 |  |  | -
|  | 766,265 |  |  | 564,310 |  |  | 43,034 |  |  | 14,027 |  |  | 12,943 |  |  | 28,316 |  |  | 19,141 |  |  | 84,494
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 15,241 |  |  | 14,555 |  |  | 287 |  |  | 168 |  |  | 118 |  |  | 113 |  |  | - |  |  | -
Overdrafts |  | 372 |  |  | 322 |  |  | 46 |  |  | 4 |  |  | - |  |  | - |  |  | - |  |  | -
Unsecured personal lines of credit |  | 1,981 |  |  | 1,844 |  |  | 33 |  |  | 38 |  |  | 25 |  |  | 34 |  |  | 7 |  |  | -
Unsecured personal loans |  | 94,560 |  |  | 92,102 |  |  | 1,272 |  |  | 399 |  |  | 300 |  |  | 39 |  |  | 13 |  |  | 435
Cash collateral personal loans |  | 15,590 |  |  | 15,223 |  |  | 324 |  |  | 43 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 127,744 |  |  | 124,046 |  |  | 1,962 |  |  | 652 |  |  | 443 |  |  | 186 |  |  | 20 |  |  | 435
Auto and Leasing |  | 379,874 |  |  | 339,817 |  |  | 25,532 |  |  | 9,437 |  |  | 3,397 |  |  | 1,691 |  |  | - |  |  | -
|  | 1,273,883 |  |  | 1,028,173 |  |  | 70,528 |  |  | 24,116 |  |  | 16,783 |  |  | 30,193 |  |  | 19,161 |  |  | 84,929
Acquired loans (accounted for under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 52,199 |  |  | 46,713 |  |  | 2,217 |  |  | 1,200 |  |  | 828 |  |  | 1,241 |  |  | - |  |  | -
Personal loans |  | 3,975 |  |  | 3,681 |  |  | 196 |  |  | 7 |  |  | 60 |  |  | 31 |  |  | - |  |  | -
|  | 56,174 |  |  | 50,394 |  |  | 2,413 |  |  | 1,207 |  |  | 888 |  |  | 1,272 |  |  | - |  |  | -
Auto |  | 301,584 |  |  | 283,825 |  |  | 12,534 |  |  | 3,616 |  |  | 1,095 |  |  | 514 |  |  | - |  |  | -
|  | 357,758 |  |  | 334,219 |  |  | 14,947 |  |  | 4,823 |  |  | 1,983 |  |  | 1,786 |  |  | - |  |  | -
Total | $ | 1,631,641 |  | $ | 1,362,392 |  | $ | 85,475 |  | $ | 28,939 |  | $ | 18,766 |  | $ | 31,979 |  | $ | 19,161 |  | $ | 84,929
Allowance For Credit Losses On Financing Receivables Covered Loans [Table Text Block] | The changes in the allowance for loan and lease losses on covered loans for the quarters ended March 3 1, 201 4 and 201 3 were as follows:
| Quarter Ended March 31,
| 2014 |  | 2013
| (In thousands)
Balance at beginning of the period | $ | 52,729 |  | $ | 54,124
Provision for covered loan and lease losses, net |  | 1,629 |  |  | 672
FDIC shared-loss portion of provision for (recapture of) |  |  |  |  |
covered loan and lease losses, net |  | 40 |  |  | (1,822)
Balance at end of the period | $ | 54,398 |  | $ | 52,974
Impaired Financing Receivables Covered Loans[Table Text Block] | The Company's recorded investment in covered loan pools that have recorded impairment s and the ir related allowance for covered loan and lease losses as of March 31, 2014 and December 31, 2013 are as follows
| March 31, 2014
| Unpaid |  | Recorded |  |  |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired covered loan pools: |  |  |  |  |  |  |  |  |  |
Loans secured by 1-4 family residential properties | $ | 147,597 |  | $ | 111,410 |  | $ | 14,221 |  | 13%
Construction and development secured by 1-4 family residential properties |  | 65,747 |  |  | 18,254 |  |  | 6,866 |  | 38%
Commercial and other construction |  | 192,095 |  |  | 111,679 |  |  | 32,696 |  | 29%
Consumer |  | 9,671 |  |  | 5,503 |  |  | 615 |  | 11%
Total investment in impaired covered loan pools | $ | 415,110 |  | $ | 246,846 |  | $ | 54,398 |  | 22%
| December 31, 2013
| Unpaid |  | Recorded |  | Specific |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired covered loan pools with specific allowance |  |  |  |  |  |  |  |  |  |
Loans secured by 1-4 family residential properties | $ | 52,142 |  | $ | 38,179 |  | $ | 12,495 |  | 33%
Construction and development secured by 1-4 family residential properties |  | 66,037 |  |  | 17,304 |  |  | 6,866 |  | 40%
Commercial and other construction |  | 209,566 |  |  | 111,946 |  |  | 32,753 |  | 29%
Consumer |  | 10,512 |  |  | 5,857 |  |  | 615 |  | 11%
Total investment in impaired covered loan pools | $ | 338,257 |  | $ | 173,286 |  | $ | 52,729 |  | 30%

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