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Loans Receivable (Tables)

9 Months Ended

Sep. 30, 2014

Loans And Leases Receivable Net Reported Amount Covered And Not Covered [Abstract]

Schedule Of Accounts Notes Loans And Financing Receivable Text Block

The composition of the Company's loan portfolio at September 30, 2014 and December 31, 2013 was as follows

	September 30,			December 31,
	2014			2013
	(In thousands)
Non-covered loans:
Originated and other loans and leases held for investment:
Mortgage	$	791,106		$	766,265
Commercial		1,217,235			1,127,657
Consumer		175,882			127,744
Auto and leasing		542,892			379,874
		2,727,115			2,401,540
Acquired loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial		26,984			77,681
Consumer		47,284			56,174
Auto		210,808			301,584
		285,076			435,439
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage		670,188			717,904
Commercial		485,444			545,117
Construction		108,694			126,427
Consumer		36,470			63,620
Auto		276,749			379,145
		1,577,545			1,832,213
		4,589,736			4,669,192
Deferred loan cost , net		3,575			1,035
Loans receivable		4,593,311			4,670,227
Allowance for loan and lease losses on non-covered loans		(64,859)			(54,298)
Loans receivable, net		4,528,452			4,615,929
Mortgage loans held-for-sale		16,757			46,529
Total non-covered loans, net		4,545,209			4,662,458
Covered loans:
Loans secured by 1-4 family residential properties		121,658			121,748
Construction and development secured by 1-4 family residential properties		18,947			17,304
Commercial and other construction		228,410			264,249
Consumer		4,905			6,119
Leasing		-			270
Total covered loans		373,920			409,690
Allowance for loan and lease losses on covered loans		(62,227)			(52,729)
Total covered loans, net		311,693			356,961
Total loans, net	$	4,856,902		$	5,019,419

Past Due Financing Receivables [Table Text Block]

The following tables present the aging of the recorded investment in gross originated and other loans held for investment as of September 30, 2014 and December 31, 2013 by class of loans. Mortgage loans past due included delinquent loans in the GNMA buy-back option program. Servicers of loans underlying GNMA mortgage-backed securities must report as their own assets the defaulted loans that they have the option (but not the obligation) to repurchase, even when they elect not to exercise that option

	September 30, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	5,996		$	3,283		$	3,424		$	12,703		$	55,635		$	68,338		$	141
Years 2003 and 2004		6,679			1,730			3,471			11,880			50,464			62,344			-
Year 2005		7,368			3,295			8,258			18,921			69,510			88,431			89
Year 2006		10,274			5,678			6,041			21,993			91,218			113,211			114
Years 2007, 2008 and 2009		3,285			3,095			7,647			14,027			83,036			97,063			59
Years 2010, 2011, 2012, 2013 and 2014		4,938			1,368			5,706			12,012			181,550			193,562			509
		38,540			18,449			34,547			91,536			531,413			622,949			912
Non-traditional		1,084			783			3,022			4,889			32,886			37,775			-
Loss mitigation program		10,022			7,358			14,625			32,005			57,578			89,583			5,773
		49,646			26,590			52,194			128,430			621,877			750,307			6,685
Home equity secured personal loans		-			-			126			126			607			733			-
GNMA's buy-back option program		-			-			40,066			40,066			-			40,066			-
		49,646			26,590			92,386			168,622			622,484			791,106			6,685
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			113,976			113,976			-
Institutional		-			-			-			-			37,177			37,177			-
Middle market		-			1,071			638			1,709			142,830			144,539			-
Retail		1,164			129			7,258			8,551			153,091			161,642			-
Floor plan		-			-			-			-			1,666			1,666			-
Real estate		-			-			-			-			11,878			11,878			-
		1,164			1,200			7,896			10,260			460,618			470,878			-
Other commercial and industrial:
Corporate		-			-			-			-			60,402			60,402			-
Institutional		-			-			-			-			482,277			482,277			-
Middle market		-			-			628			628			82,577			83,205			-
Retail		267			144			809			1,220			79,592			80,812			-
Floor plan		-			-			-			-			39,661			39,661			-
		267			144			1,437			1,848			744,509			746,357			-
		1,431			1,344			9,333			12,108			1,205,127			1,217,235			-

	September 30, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards		238			189			408			835			17,022			17,857			-
Overdrafts		20			2			1			23			317			340			-
Personal lines of credit		67			132			29			228			1,823			2,051			-
Personal loans		1,666			627			604			2,897			135,711			138,608			-
Cash collateral personal loans		214			132			36			382			16,644			17,026			-
		2,205			1,082			1,078			4,365			171,517			175,882			-
Auto and leasing		43,537			15,956			8,279			67,772			475,120			542,892			-
Total	$	96,819		$	44,972		$	111,076		$	252,867		$	2,474,248		$	2,727,115		$	6,685

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	6,697		$	1,635		$	3,408		$	11,740		$	64,772		$	76,512		$	79
Years 2003 and 2004		4,722			2,163			1,845			8,730			56,387			65,117			-
Year 2005		8,527			2,119			4,808			15,454			74,087			89,541			-
Year 2006		12,055			4,312			4,418			20,785			99,537			120,322			-
Years 2007, 2008 and 2009		3,464			1,104			4,663			9,231			91,919			101,150			152
Years 2010, 2011, 2012 and 2013		3,923			1,609			4,453			9,985			139,561			149,546			459
		39,388			12,942			23,595			75,925			526,263			602,188			690
Non-traditional		3,217			1,162			2,311			6,690			35,412			42,102			-
Loss mitigation program		9,759			5,560			13,191			28,510			57,808			86,318			2,185
		52,364			19,664			39,097			111,125			619,483			730,608			2,875
Home equity secured personal loans		-			-			138			138			598			736			-
GNMA's buy-back option program		-			-			34,921			34,921			-			34,921			-
		52,364			19,664			74,156			146,184			620,081			766,265			2,875
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			54,796			54,796			-
Institutional		-			-			-			-			4,050			4,050			-
Middle market		1,356			-			10,294			11,650			149,933			161,583			-
Retail		4,253			1,015			3,190			8,458			158,184			166,642			-
Floor plan		-			-			-			-			1,835			1,835			-
Real estate		-			-			-			-			11,655			11,655			-
		5,609			1,015			13,484			20,108			380,453			400,561			-
Other commercial and industrial:
Corporate		236			-			-			236			32,362			32,598			-
Institutional		-			-			-			-			536,445			536,445			-
Middle market		-			299			1,134			1,433			57,464			58,897			-
Retail		1,830			552			539			2,921			58,589			61,510			-
Floor plan		39			-			-			39			37,607			37,646			-
		2,105			851			1,673			4,629			722,467			727,096			-
		7,714			1,866			15,157			24,737			1,102,920			1,127,657			-

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards		287			168			232			687			14,554			15,241			-
Overdrafts		46			4			-			50			322			372			-
Personal lines of credit		33			38			66			137			1,844			1,981			-
Personal loans		1,324			399			352			2,075			92,485			94,560			-
Cash collateral personal loans		324			43			-			367			15,223			15,590			-
		2,014			652			650			3,316			124,428			127,744			-
Auto and leasing		25,531			9,437			5,089			40,057			339,817			379,874			-
Total	$	87,623		$	31,619		$	95,052		$	214,294		$	2,187,246		$	2,401,540		$	2,875

The following tables present the aging of the recorded investment in gross acquired loans accounted for under ASC 310-20 as of September 30, 2014 and December 31, 2013, by class of loans:

	September 30, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Corporate	$	-		$	-		$	-		$	-		$	3,746		$	3,746		$	-
Retail		-			-			342			342			482			824			-
Floor plan		-			-			101			101			3,972			4,073			-
		-			-			443			443			8,200			8,643			-
Other commercial and industrial
Corporate		-			-			-			-			2,915			2,915			-
Retail		169			73			451			693			7,328			8,021			-
Floor plan		97			40			108			245			7,160			7,405			-
		266			113			559			938			17,403			18,341			-
		266			113			1,002			1,381			25,603			26,984			-
Consumer
Credit cards		1,625			678			1,328			3,631			40,051			43,682			-
Personal loans		160			83			66			309			3,293			3,602			-
		1,785			761			1,394			3,940			43,344			47,284			-
Auto		11,372			4,137			1,537			17,046			193,762			210,808			-
Total	$	13,423		$	5,011		$	3,933		$	22,367		$	262,709		$	285,076		$	-

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Corporate	$	-		$	-		$	-		$	-		$	10,166		$	10,166		$	-
Retail		431			331			868			1,630			4,140			5,770			-
Floor plan		-			-			101			101			2,576			2,677			-
		431			331			969			1,731			16,882			18,613			-
Other commercial and industrial
Corporate		14			83			-			97			9,696			9,793			-
Retail		1,717			1,418			659			3,794			23,544			27,338			-
Floor plan		35			193			18			246			21,691			21,937			-
		1,766			1,694			677			4,137			54,931			59,068			-
		2,197			2,025			1,646			5,868			71,813			77,681			-
Consumer
Credit cards		2,217			1,200			2,068			5,485			46,714			52,199			-
Personal loans		196			7			91			294			3,681			3,975			-
		2,413			1,207			2,159			5,779			50,395			56,174			-
Auto		12,534			3,616			1,608			17,758			283,826			301,584			-
Total	$	17,144		$	6,848		$	5,413		$	29,405		$	406,034		$	435,439		$	-

Carrying Amounts Of Acquired Non Covered Loans Tabular Disclosure [Table Text Block]

		September 30,		December 31,
		2014		2013
		(In thousands)
Contractual required payments receivable		$ 2,505,662		$ 2,929,353
Less: Non-accretable discount		523,987		579,587
Cash expected to be collected		1,981,675		2,349,766
Less: Accretable yield		404,130		517,553
Carrying amount, gross		1,577,545		1,832,213
Less: allowance for loan and lease losses		10,120		2,863
Carrying amount, net		$ 1,567,425		$ 1,829,350

Accretable Yield for Acquired Loans Non-covered [Table Text Block]

The following tables describe the accretable yield and non-accretable discount activity of acquired loans accounted for under ASC 310-30 for the quarters and nine-month periods ended September 30, 2014 and 2013, excluding covered loans

	Quarter Ended September 30,						Nine-Month Period Ended September 30,
	2014			2013			2014			2013
	(In thousands)
Accretable Yield Activity
Balance at beginning of period	$	444,606		$	561,485		$	517,553		$	655,833
Accretion		(38,340)			(48,352)			(118,323)			(150,447)
Transfer from (to) non-accretable discount		(2,136)			6,010			4,900			13,757
Balance at end of period	$	404,130		$	519,143		$	404,130		$	519,143
	Quarter Ended September 30,						Nine-Month Period Ended September 30,
	2014			2013			2014			2013
	(In thousands)
Non-Accretable Discount Activity
Balance at beginning of period	$	554,724		$	686,231		$	579,587		$	714,462
Principal losses		(32,873)			(44,301)			(50,700)			(64,785)
Transfer from (to) accretable yield		2,136			(6,010)			(4,900)			(13,757)
Balance at end of period	$	523,987		$	635,920		$	523,987		$	635,920

Covered loans carrying amount [Table Text Block]

Covered Loans

The carrying amount of covered loans at September 30, 2014 and December 31, 2013 is as follows:

	September 30,			December 31,
	2014			2013
	(In thousands)
Contractual required payments receivable	$	561,844		$	702,126
Less: Non-accretable discount		77,940			129,477
Cash expected to be collected		483,904			572,649
Less: Accretable yield		109,984			162,959
Carrying amount, gross		373,920			409,690
Less: Allowance for covered loan and lease losses		62,227			52,729
Carrying amount, net	$	311,693		$	356,961

The following tables describe the accretable yield and non-accretable discount activity of covered loans for the quarters and nine-month periods ended September 30, 2014 and 2013:

Accretable Yield for Acquired Loans Covered [Table Text Block]

	Quarter Ended September 30,						Nine-Month Period Ended September 30,
	2014			2013			2014			2013
	(In thousands)
Accretable Yield Activity
Balance at beginning of period	$	128,061		$	167,132		$	162,959		$	188,008
Accretion		(20,886)			(21,657)			(69,154)			(65,884)
Transfer from non-accretable discount		2,809			23,070			16,179			46,421
Balance at end of period	$	109,984		$	168,545		$	109,984		$	168,545
	Quarter Ended September 30,						Nine-Month Period Ended September 30,
	2013			2013			2014			2013
	(In thousands)
Non-Accretable Discount Activity
Balance at beginning of period	$	85,224		$	192,259		$	129,477		$	237,555
Principal losses		(4,475)			(7,762)			(35,358)			(29,707)
Transfer to accretable yield		(2,809)			(23,070)			(16,179)			(46,421)
Balance at end of period	$	77,940		$	161,427		$	77,940		$	161,427

Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block]

Non-accrual Loans

The following table presents the recorded investment in loans in non-accrual status by class of loans as of September 30, 2014 and December 31, 2013:

	September 30,			December 31,
	2014			2013
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year):
Up to the year 2002	$	3,613		$	3,428
Years 2003 and 2004		3,749			1,845
Year 2005		9,117			4,922
Year 2006		7,019			4,418
Years 2007, 2008 and 2009		9,817			4,511
Years 2010, 2011, 2012, 2013 and 2014		6,244			7,818
		39,559			26,942
Non-traditional		3,022			2,311
Loss mitigation program		17,636			18,792
		60,217			48,045
Home equity secured personal loans		125			138
		60,342			48,183
Commercial
Commercial secured by real estate
Middle market		10,608			11,895
Retail		8,942			7,208
		19,550			19,103
Other commercial and industrial
Middle market		628			1,134
Retail		2,112			2,485
Floor plan		-			108
		2,740			3,727
		22,290			22,830
Consumer
Credit cards		408			232
Overdrafts		1			-
Personal lines of credit		35			84
Personal loans		761			485
Cash collateral personal loans		36			4
		1,241			805
Auto and leasing		9,008			5,089
	$	92,881		$	76,907

	September 30,			December 31,
	2014			2013
	(In thousands)
Acquired loans accounted under ASC 310-20
Commercial
Commercial secured by real estate
Retail	$	342		$	956
Floor plan		101			101
		443			1,057
Other commercial and industrial
Corporate		-			97
Retail		455			1,371
Floor plan		121			18
		576			1,486
		1,019			2,543
Consumer
Credit cards		1,326			2,068
Personal loans		76			151
		1,402			2,219
Auto		1,746			1,608
		4,167			6,370
Total non-accrual loans	$	97,048		$	83,277

Impaired Financing Receivables [Table Text Block]

Originated and Other Loans and Leases Held for Investment

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 September 30, 2014 and December 31, 2013 are as follows:

	September 30, 2014
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	5,297		$	4,731		$	1,108		23%
Residential troubled-debt restructuring		97,289			91,692			7,932		9%
Impaired loans with no specific allowance:
Commercial		228,968			221,852			N/A		N/A
Total investment in impaired loans	$	331,554		$	318,275		$	9,040		3%

	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)

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 September 30, 2014 and December 31, 2013 are as follows:

	September 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%

Non-covered Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

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

	September 30, 2014
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired non-covered loan pools:
Commercial	$	294,966		$	257,234		$	4,613		2%
Construction		52,367			45,770			5,502		12%
Consumer		42,897			36,463			5		0%
Total investment in impaired non-covered loan pools	$	390,230		$	339,467		$	10,120		3%

	December 31, 2013
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(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 nine-month periods ended September 30, 2014 and 2013

	Quarter Ended September 30,
	2014						2013
	Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment
	(In thousands)
Impaired loans with specific allowance
Commercial	$	28		$	5,103		$	5		$	9,039
Residential troubled-debt restructuring		666			91,293			712			82,388
Impaired loans with no specific allowance
Commercial		1,728			89,029			146			28,805
Total interest income from impaired loans	$	2,422		$	185,425		$	863		$	120,232
	Nine-Month Period Ended Ended September 30,
	2014						2013
	Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment
	(In thousands)
Impaired loans with specific allowance
Commercial	$	83		$	6,187		$	16		$	14,872
Residential troubled-debt restructuring		1,876			89,597			1,942			81,406
Impaired loans with no specific allowance
Commercial		5,185			44,203			438			26,471
Total interest income from impaired loans	$	7,144		$	139,987		$	2,396		$	122,749

Impaired Financing Receivables Covered Loans[Table Text Block]

Covered Loans

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 September 30, 2014 and December 31, 2013 are as follows:

	September 30, 2014
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired covered loan pools:
Loans secured by 1-4 family residential properties	$	138,029		$	106,823		$	15,252		14%
Construction and development secured by 1-4 family residential properties		61,562			20,249			8,679		43%
Commercial and other construction		105,542			73,424			37,907		52%
Consumer		8,408			4,844			389		8%
Total investment in impaired covered loan pools	$	313,541		$	205,340		$	62,227		30%

	December 31, 2013
										Coverage
	Unpaid			Recorded			Specific			to Recorded
	Principal			Investment			Allowance			Investment
	(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%

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Modifications

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

	Quarter Ended September 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	26		$	3,016		5.62%		347		$	2,965		4.22%		393
Commercial	20			200,007		7.25%		3			200,007		7.25%		10
Consumer	6			58		10.00%		61			68		9.66%		55
	Nine-Month Period Ended September 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	113		$	14,562		5.99%		349		$	14,162		4.21%		389
Commercial	21			200,080		7.25%		3			200,080		7.25%		10
Consumer	13			123		11.77%		66			136		11.48%		62
	Quarter Ended September 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	21		$	2,887		6.74%		352		$	3,066		6.74%		351
	Nine-Month Period Ended September 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	102		$	12,828		6.43%		334		$	13,685		5.15%		393
Commercial	2			1,842		8.99%		87			1,842		4.00%		66

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

	Twelve-Month Period Ended September 30,
	2014					2013
	Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	15		$	1,739		30		$	3,097
Consumer	2		$	5		-		$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

As of September 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:

	September 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	$	113,976		$	90,006		$	23,970		$	-		$	-		$	-
Institutional		37,177			27,232			9,702			-			-			243
Middle market		144,539			127,640			3,707			-			-			13,192
Retail		161,642			147,034			3,020			2,441			-			9,147
Floor plan		1,666			594			971			101			-			-
Real estate		11,878			11,878			-			-			-			-
		470,878			404,384			41,370			2,542			-			22,582
Other commercial and industrial:
Corporate		60,402			60,402			-			-			-			-
Institutional		482,275			282,293			-			-			-			199,982
Middle market		83,206			77,504			3,144			-			-			2,558
Retail		80,813			76,684			308			2,360			-			1,461
Floor plan		39,661			38,301			1,147			213			-			-
		746,357			535,184			4,599			2,573			-			204,001
Total		1,217,235			939,568			45,969			5,115			-			226,583
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Corporate		3,746			3,746			-			-			-			-
Retail		824			467			-			357			-			-
Floor plan		4,073			4,073			-			-			-			-
		8,643			8,286			-			357			-			-
Other commercial and industrial:
Corporate		2,915			2,915			-			-			-			-
Retail		8,021			7,612			9			400			-			-
Floor plan		7,405			7,405			-			-			-			-
		18,341			17,932			9			400			-			-
Total		26,984			26,218			9			757			-			-
Total	$	1,244,219		$	965,786		$	45,978		$	5,872		$	-		$	226,583

	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

	September 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	$	68,338		$	54,931		$	5,831		$	3,160		$	537		$	999		$	1,888		$	992
Years 2003 and 2004		62,344			49,747			6,309			1,730			221			1,623			1,489			1,225
Year 2005		88,431			66,895			6,451			3,236			831			3,768			3,659			3,591
Year 2006		113,211			90,157			9,821			5,471			1,740			2,479			1,759			1,784
Years 2007, 2008 and 2009		97,063			79,950			2,874			2,774			839			3,181			3,352			4,093
Years 2010, 2011, 2012 2013 and 2014		193,562			180,558			4,088			1,224			106			1,597			1,281			4,708
		622,949			522,238			35,374			17,595			4,274			13,647			13,428			16,393
Non-traditional		37,775			32,886			1,084			783			259			1,047			1,667			49
Loss mitigation program		89,583			9,249			1,665			789			628			1,022			980			75,250
		750,307			564,373			38,123			19,167			5,161			15,716			16,075			91,692
Home equity secured personal loans		733			607			-			-			-			-			126			-
GNMA's buy-back option program		40,066			-			-			-			8,825			18,512			12,729			-
		791,106			564,980			38,123			19,167			13,986			34,228			28,930			91,692
Consumer
Credit cards		17,857			17,022			238			189			140			268			-			-
Overdrafts		340			318			20			2			-			-			-			-
Unsecured personal lines of credit		2,051			1,823			67			132			-			26			3			-
Unsecured personal loans		138,608			135,169			1,586			614			579			22			-			638
Cash collateral personal loans		17,026			16,644			214			132			36			-			-			-
		175,882			170,976			2,125			1,069			755			316			3			638
Auto and Leasing		542,892			475,120			43,537			15,956			5,662			2,617			-			-
		1,509,880			1,211,076			83,785			36,192			20,403			37,161			28,933			92,330
Acquired loans (accounted for under ASC 310-20)
Consumer
Credit cards		43,682			40,053			1,625			678			483			843			-			-
Personal loans		3,602			3,293			160			83			32			34			-			-
		47,284			43,346			1,785			761			515			877			-			-
Auto		210,808			193,762			11,372			4,137			1,209			328			-			-
		258,092			237,108			13,157			4,898			1,724			1,205			-			-
Total	$	1,767,972		$	1,448,184		$	96,942		$	41,090		$	22,127		$	38,366		$	28,933		$	92,330

	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

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X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953676-111524

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