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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 9 Months Ended
Sep. 30, 2012
ALLOWANCE FOR LOAN AND LEASE LOSSES  
Schedule of changes in the allowance

 

 

 

 

Commercial,

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

financial &

 

 

 

Mortgage -

 

Mortgage -

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

Construction

 

residential

 

commercial

 

Consumer

 

Leases

 

Unallocated

 

Total

 

 

 

(Dollars in thousands)

 

Three Months Ended September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

6,262

 

$

12,331

 

$

29,821

 

$

47,242

 

$

2,008

 

$

150

 

$

6,000

 

$

103,814

 

Provision (credit) for loan and lease losses

 

(465

)

(3,127

)

2,981

 

(4,780

)

434

 

(25

)

—

 

(4,982

)

 

 

5,797

 

9,204

 

32,802

 

42,462

 

2,442

 

125

 

6,000

 

98,832

 

Charge-offs

 

(476

)

(1,813

)

(757

)

—

 

(398

)

—

 

—

 

(3,444

)

Recoveries

 

208

 

353

 

236

 

472

 

269

 

2

 

—

 

1,540

 

Net (charge-offs) recoveries

 

(268

)

(1,460

)

(521

)

472

 

(129

)

2

 

—

 

(1,904

)

Ending balance

 

$

5,529

 

$

7,744

 

$

32,281

 

$

42,934

 

$

2,313

 

$

127

 

$

6,000

 

$

96,928

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended September 30, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

12,627

 

$

52,490

 

$

28,426

 

$

65,633

 

$

2,971

 

$

787

 

$

4,000

 

$

166,934

 

Provision (credit) for loan and lease losses

 

(5,618

)

(9,720

)

2,888

 

(6,560

)

1

 

(107

)

—

 

(19,116

)

 

 

7,009

 

42,770

 

31,314

 

59,073

 

2,972

 

680

 

4,000

 

147,818

 

Charge-offs

 

(385

)

(4,431

)

(447

)

(193

)

(477

)

(10

)

—

 

(5,943

)

Recoveries

 

379

 

486

 

189

 

228

 

273

 

—

 

—

 

1,555

 

Net (charge-offs) recoveries

 

(6

)

(3,945

)

(258

)

35

 

(204

)

(10

)

—

 

(4,388

)

Ending balance

 

$

7,003

 

$

38,825

 

$

31,056

 

$

59,108

 

$

2,768

 

$

670

 

$

4,000

 

$

143,430

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nine Months Ended September 30, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

6,110

 

$

28,630

 

$

32,736

 

$

47,729

 

$

2,335

 

$

553

 

$

4,000

 

$

122,093

 

Provision (credit) for loan and lease losses

 

1,661

 

(15,255

)

60

 

(4,951

)

286

 

(403

)

2,000

 

(16,602

)

 

 

7,771

 

13,375

 

32,796

 

42,778

 

2,621

 

150

 

6,000

 

105,491

 

Charge-offs

 

(3,552

)

(7,154

)

(1,130

)

(320

)

(1,147

)

(28

)

—

 

(13,331

)

Recoveries

 

1,310

 

1,523

 

615

 

476

 

839

 

5

 

—

 

4,768

 

Net (charge-offs) recoveries

 

(2,242

)

(5,631

)

(515

)

156

 

(308

)

(23

)

—

 

(8,563

)

Ending balance

 

$

5,529

 

$

7,744

 

$

32,281

 

$

42,934

 

$

2,313

 

$

127

 

$

6,000

 

$

96,928

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nine Months Ended September 30, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

13,426

 

$

76,556

 

$

31,830

 

$

64,308

 

$

3,155

 

$

1,579

 

$

2,000

 

$

192,854

 

Provision (credit) for loan and lease losses

 

(5,842

)

(22,843

)

1,852

 

(4,172

)

429

 

(899

)

2,000

 

(29,475

)

 

 

7,584

 

53,713

 

33,682

 

60,136

 

3,584

 

680

 

4,000

 

163,379

 

Charge-offs

 

(2,246

)

(21,289

)

(3,746

)

(1,298

)

(1,679

)

(10

)

—

 

(30,268

)

Recoveries

 

1,665

 

6,401

 

1,120

 

270

 

863

 

—

 

—

 

10,319

 

Net charge-offs

 

(581

)

(14,888

)

(2,626

)

(1,028

)

(816

)

(10

)

—

 

(19,949

)

Ending balance

 

$

7,003

 

$

38,825

 

$

31,056

 

$

59,108

 

$

2,768

 

$

670

 

$

4,000

 

$

143,430