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Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 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 June 30, 2014 and December 31, 2013 was as follows:

	June 30,			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	$	19,062		$	19,937
Commercial		12,423			14,897
Consumer		7,887			6,006
Auto and leasing		11,127			7,866
Unallocated		139			375
		50,638			49,081
Acquired loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial		464			926
Consumer		338			-
Auto		2,642			1,428
		3,444			2,354
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Commercial		6,216			1,713
Consumer		62			418
Auto		-			732
		6,278			2,863
		60,360			54,298
Allowance for loans and lease losses on covered loans:
Loans secured by 1-4 family residential properties		14,924			12,495
Commercial and other construction		43,976			39,619
Consumer		615			615
		59,515			52,729
Total allowance for loan and lease losses	$	119,875		$	107,027

Originated and Other Loans and Leases Held for Investment

The following tables 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 loans held for investment portfolio by segment for the periods indicated:

	Quarter Ended June 30, 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	$	19,511		$	13,994		$	7,135		$	8,731		$	136		$	49,507
Charge-offs		(987)			(543)			(1,397)			(5,956)			-			(8,883)
Recoveries		88			115			244			2,136			-			2,583
Provision (recapture) for non-covered originated and other loan and lease losses		450			(1,143)			1,905			6,216			3			7,431
Balance at end of period	$	19,062		$	12,423		$	7,887		$	11,127		$	139		$	50,638
	Six-Month Period Ended June 30, 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		(2,201)			(962)			(2,235)			(10,601)			-			(15,999)
Recoveries		236			213			391			3,660			-			4,500
Provision (recapture) for non-covered originated and other loan and lease losses		1,090			(1,725)			3,725			10,202			(236)			13,056
Balance at end of period	$	19,062		$	12,423		$	7,887		$	11,127		$	139		$	50,638

	June 30, 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	$	7,730		$	2,114		$	-		$	-		$	-		$	9,844
Collectively evaluated for impairment		11,332			10,309			7,887			11,127			139			40,794
Total ending allowance balance	$	19,062		$	12,423		$	7,887		$	11,127		$	139		$	50,638
Loans:
Individually evaluated for impairment	$	90,375		$	28,910		$	-		$	-		$	-		$	119,285
Collectively evaluated for impairment		697,626			1,154,262			161,538			508,034			-			2,521,460
Total ending loan balance	$	788,001		$	1,183,172		$	161,538		$	508,034		$	-		$	2,640,745

	Quarter Ended June 30, 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	$	22,889		$	16,314		$	1,313		$	1,741		$	77		$	42,334
Charge-offs		(29,120)			(2,886)			(323)			(709)			-			(33,038)
Recoveries		-			234			43			209			-			486
Provision for non-covered originated and other loan and lease losses		27,606			3,961			1,309			2,400			643			35,919
Balance at end of period	$	21,375		$	17,623		$	2,342		$	3,641		$	720		$	45,701
	Six-Month Period Ended June 30, 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		(31,707)			(3,444)			(569)			(800)			-			(36,520)
Recoveries		-			262			107			216			-			585
Provision for non-covered originated and other loan and lease losses		31,990			3,733			1,948			3,692			352			41,715
Balance at end of period	$	21,375		$	17,623		$	2,342		$	3,641		$	720		$	45,701

	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

Acquired Loans accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

The following tables 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 periods indicated

	Quarter Ended June 30, 2014
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
Allowance for loan and lease losses for non-covered acquired loans accounted for under ASC 310-20:
Balance at beginning of period	$	867	1	$	504		$	2,247		$	-		$	3,618
Charge-offs		(110)			(1,952)			(1,370)			-			(3,432)
Recoveries		30			124			535			-			689
Provision (recapture) for non-covered acquired loan and lease losses accounted for under ASC 310-20		(323)			1,662			1,230			-			2,569
Balance at end of period	$	464		$	338		$	2,642		$	-		$	3,444
	Six-Month Period Ended June 30, 2014
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
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		(284)			(4,010)			(2,666)			-			(6,960)
Recoveries		30			224			985			-			1,239
Provision (recapture) for non-covered acquired loan and lease losses accounted for under ASC 310-20		(208)			4,124			2,895			-			6,811
Balance at end of period	$	464		$	338		$	2,642		$	-		$	3,444

	June 30, 2014
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
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		464			338			2,642			-			3,444
Total ending allowance balance	$	464		$	338		$	2,642		$	-		$	3,444
Loans:
Collectively evaluated for impairment		38,602			49,604			238,399			-			326,605
Total ending loan balance	$	38,602		$	49,604		$	238,399		$	-		$	326,605

	Quarter Ended June 30, 2013
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
Allowance for loan and lease losses for non-covered acquired loans accounted for under ASC 310-20:
Balance at beginning of period	$	386	$ 1	$	-		$	-		$	-		$	386
Charge-offs		(25)			(1,158)			(1,410)			-			(2,593)
Recoveries		-			637			886			-			1,523
Provision (recapture)for non-covered acquired loan and lease losses accounted for under ASC 310-20		563			521			524			-			1,608
Balance at end of period	$	924		$	-		$	-		$	-		$	924
	Six-Month Period Ended June 30, 2013
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
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		(25)			(2,614)			(3,125)			-			(5,764)
Recoveries		-			844			2,116			-			2,960
Provision (recapture) for non-covered acquired loan and lease losses accounted for under ASC 310-20		949			1,770			1,009			-			3,728
Balance at end of period	$	924		$	-		$	-		$	-		$	924

	December 31, 2013
	Commercial			Consumer			Auto			Unallocated			Total
	(In thousands)
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			-			1428			-			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 tables 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 periods indicated:

	Quarter Ended June 30, 2014
	Mortgage			Commercial			Construction			Consumer			Auto			Total
	(In thousands)
Allowance for loan and lease losses for non-covered loans accounted for under ASC 310-30:
Balance at beginning of period	$	-	1	$	2,653	1	$	-	$ 1	$	405		$	-		$	3,058
Provision(recapture) for non-covered acquired loan and lease losses accounted for under ASC 310-30		-			3,563			-			(343)			-			3,220
Balance at end of period	$	-		$	6,216		$	-		$	62		$	-		$	6,278
	Six-Month Period Ended June 30, 2014
	Mortgage			Commercial			Construction			Consumer			Auto			Total
	(In thousands)
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 (recapture) for non-covered acquired loan and lease losses accounted for under ASC 310-30		-			4,503			-			(356)			(732)			3,415
Balance at end of period	$	-		$	6,216		$	-		$	62		$	-		$	6,278

Impaired Financing Receivables [Table Text Block]

The Company's recorded investment in non-covered commercial and mortgage loans categorized as originated and other loans and leases held for investment that were individually evaluated for impairment and the related allowance for loan and lease losses at June 30, 2014 and December 31, 2013 are as follows:

	June 30, 2014
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	4,580		$	4,459		$	2,114		47%
Residential troubled-debt restructuring		95,652			90,375			7,730		9%
Impaired loans with no specific allowance:
Commercial		31,599			24,451			N/A		N/A
Total investment in impaired loans	$	131,831		$	119,285		$	9,844		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%

The Company's recorded investment in non-covered commercial loans categorized as non-covered acquired loans accounted for under ASC 310-20 that were individually evaluated for impairment and the related allowance for loan and lease losses at June 30, 2014 and December 31, 2013 are as follows:

	June 30, 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 June 30, 2014 and December 31, 2013 are as follows

	June 30, 2014
	Unpaid			Recorded
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired non-covered loan pools:
Mortgage	$	4,793		$	4,277		$	57		1%
Commercial		231,428			208,544			2,867		1%
Construction		45,912			40,550			3,330		8%
Consumer		51,145			43,824			24		0%
Total investment in impaired non-covered loan pools	$	333,278		$	297,195		$	6,278		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 non-covered commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, for the quarters and six-month periods ended June 30, 2014 and 2013

	Quarter Ended June 30,
	2014						2013
	Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment
	(In thousands)
Impaired loans with specific allowance
Commercial	$	39		$	7,200		$	255		$	17,049
Residential troubled-debt restructuring		663			90,445			682			83,081
Impaired loans with no specific allowance
Commercial		77			21,951			226			23,304
Total interest income from impaired loans	$	779		$	119,596		$	1,163		$	123,434
	Six-Month Period Ended Ended June 30,
	2014						2013
	Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment
	(In thousands)
Impaired loans with specific allowance
Commercial	$	78		$	6,729		$	322		$	17,789
Residential troubled-debt restructuring		1,270			88,749			1,273			80,914
Impaired loans with no specific allowance
Commercial		154			21,790			364			25,304
Total interest income from impaired loans	$	1,502		$	117,268		$	1,959		$	124,007

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Modifications

The following tables present the troubled-debt restructurings during the quarters and six-month periods ended June 30, 2014 and 2013:

	Quarter Ended June 30, 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	33		$	5,001		6%		353		$	4,965		4.12%		418
Commercial	1			73		7%		55			73		9.25%		36
Consumer	3			24		14%		77			24		13.98%		72
	Six-Month Period Ended June 30, 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	88		$	11,813		6%		349		$	11,446		4.26%		390
Commercial	1			73		7%		55			73		9.25%		36
Consumer	8			66		13%		70			68		13.31%		68
	Quarter Ended June 30, 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	42		$	5,372		6%		355		$	5,715		4.26%		420
Commercial	2			1,842		9%		87			1,842		4.00%		66
Consumer	2			18		14%		41			18		13.67%		60
	Six-Month Period Ended June 30, 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	86		$	10,555		7%		342		$	11,288		4.59%		417
Commercial	2			1,842		9%		87			1,842		4.00%		66
Consumer	2			18		14%		41			18		13.67%		60

The following table presents troubled-debt restructurings for which there was a payment default during the twelve-month periods ended June 30, 2014 and 2013:

	Twelve-Month Period Ended June 30,
	2014					2013
	Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	22		$	2,703		48		$	6,414
Consumer	5		$	101		2		$	29

Financing Receivable Credit Quality Indicators [Table Text Block]

As of June 30, 2014 and December 31, 2013, and based on the most recent analysis performed, the risk 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:

	June 30, 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	$	90,886		$	90,886		$	-		$	-		$	-		$	-
Institutional		30,701			20,581			10,120			-			-			-
Middle market		141,225			121,532			6,726			-			-			12,967
Retail		157,188			142,415			1,382			2,233			-			11,158
Floor plan		1,680			1,579			101			-			-			-
Real estate		11,878			11,878			-			-			-			-
		433,558			388,871			18,329			2,233			-			24,125
Other commercial and industrial:
Corporate		61,329			61,329			-			-			-			-
Institutional		487,725			287,734			199,991			-			-			-
Middle market		80,794			73,967			3,428			389			-			3,010
Retail		77,756			73,753			259			1,969			-			1,775
Floor plan		42,010			40,910			299			801			-			-
		749,614			537,693			203,977			3,159			-			4,785
Total		1,183,172			926,564			222,306			5,392			-			28,910
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Corporate		2,999			2,999			-			-			-			-
Retail		2,557			2,091			-			466			-			-
Floor plan		3,947			3,947			-			-			-			-
		9,503			9,037			-			466			-			-
Other commercial and industrial:
Corporate		3,010			2,916			94			-			-			-
Retail		11,420			10,871			100			449			-			-
Floor plan		14,669			14,669			-			-			-			-
		29,099			28,456			194			449			-			-
Total		38,602			37,493			194			915			-			-
Total	$	1,221,774		$	964,057		$	222,500		$	6,307		$	-		$	28,910

	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

	June 30, 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	$	70,373		$	59,428		$	5,181		$	2,498		$	693		$	649		$	1,840		$	84
Years 2003 and 2004		62,282			51,929			5,503			1,905			232			1,267			1,126			320
Year 2005		85,869			69,305			6,611			2,959			775			3,029			2,806			384
Year 2006		114,386			94,669			10,562			3,781			1,561			1,813			1,808			192
Years 2007, 2008 and 2009		94,343			82,470			3,962			2,051			1,130			2,186			2,143			401
Years 2010, 2011, 2012 2013 and 2014		195,672			173,113			1,979			1,515			246			1,843			1,344			15,632
		622,925			530,914			33,798			14,709			4,637			10,787			11,067			17,013
Non-traditional		38,034			32,254			1,997			1,128			263			1,270			1,073			49
Loss mitigation program		87,964			8,100			1,255			471			223			932			691			76,292
		748,923			571,268			37,050			16,308			5,123			12,989			12,831			93,354
Home equity secured personal loans		749			611			-			-			-			126			12			-
GNMA's buy-back option program		38,329			-			-			-			7,258			16,835			14,236			-
		788,001			571,879			37,050			16,308			12,381			29,950			27,079			93,354
Consumer
Credit cards		15,886			15,034			345			236			61			210			-			-
Overdrafts		318			295			19			3			-			1			-			-
Unsecured personal lines of credit		1,976			1,789			57			1			90			29			10			-
Unsecured personal loans		126,420			123,520			1,206			535			521			123			11			504
Cash collateral personal loans		16,938			16,516			280			94			48			-			-			-
		161,538			157,154			1,907			869			720			363			21			504
Auto and Leasing		508,034			450,414			37,047			13,620			4,588			2,365			-			-
		1,457,573			1,179,447			76,004			30,797			17,689			32,678			27,100			93,858
Acquired loans (accounted for under ASC 310-20)
Consumer
Credit cards		45,938			42,265			1,520			835			465			853			-			-
Personal loans		3,666			3,335			218			82			10			21			-			-
		49,604			45,600			1,738			917			475			874			-			-
Auto		238,399			220,905			11,603			4,325			965			601			-			-
		288,003			266,505			13,341			5,242			1,440			1,475			-			-
Total	$	1,745,576		$	1,445,952		$	89,345		$	36,039		$	19,129		$	34,153		$	27,100		$	93,858

	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 and six-month periods ended June 30, 2014 and 2013 were as follows:

	Quarter Ended June 30,						Six-Month Period Ended June 30,
	2014			2013			2014			2013
	(In thousands)
Balance at beginning of the period	$	54,398		$	52,974		$	52,729		$	54,124
Provision for covered loan and lease losses, net		1,595			1,211			3,224			1,883
FDIC shared-loss portion of provision for (recapture of)
covered loan and lease losses, net		3,522			(192)			3,562			(2,014)
Balance at end of the period	$	59,515		$	53,993		$	59,515		$	53,993

Impaired Financing Receivables Covered Loans[Table Text Block]

The Company's recorded investment in covered loan pools that have recorded impairments and their related allowance for covered loan and lease losses as of June 30, 2014 and December 31, 2013 are as follows

	June 30, 2014
	Unpaid			Recorded
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired covered loan pools:
Loans secured by 1-4 family residential properties	$	141,951		$	108,884		$	14,923		14%
Construction and development secured by 1-4 family residential properties		63,615			18,566			7,799		42%
Commercial and other construction		124,506			77,980			36,178		46%
Consumer		9,184			4,912			615		13%
Total investment in impaired covered loan pools	$	339,256		$	210,342		$	59,515		28%

	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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Tabular disclosure of financing receivables (examples of financing receivables include covered loans) and activity in the allowance for credit losses account.

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