Loans | Note 4 – Loans The following table provides the balance of loans by portfolio segment as of March 31, 2017 and December 31, 2016: March 31 December 31 (Dollars in thousands) 2017 2016 Commercial: Commercial, financial, and industrial $ 11,703,996 $ 12,148,087 Commercial real estate 2,173,311 2,135,523 Consumer: Consumer real estate (a) 4,456,811 4,523,752 Permanent mortgage 409,235 423,125 Credit card & other 346,721 359,033 Loans, net of unearned income $ 19,090,074 $ 19,589,520 Allowance for loan losses 201,968 202,068 Total net loans $ 18,888,106 $ 19,387,452 Balances as of March 3 1 , 201 7 and December 31, 201 6 , include $ 32 . 5 million and $ 35 . 9 million of restricted real estate loans, respectively. See Note 13 - Variable Interest Entities for additional information. C OMPONENTS OF THE LOAN PORTFOLIO T he loan portfolio is disaggregated into segments and then further disaggregated into classes for certain disclosures. GAAP defines a portfolio segment as the level at which an entity develops and documents a systematic method for determining its allowance for credit losses. A class is generally determined based on the initial measurement attribute (i.e., amortized cost or purchased credit - impaired), risk characteristics of the loan, and FHN ’s method for monitoring and as sessing credit risk. Commercial loan portfolio segments include commercial, financial and industrial (" C&I ") and commercial real estate (" CRE ") . Commercial classes within C&I include general C&I, loans to mortgage companies, the trust preferred loans (" TRU P S") (i.e. long-term unsecured loans to bank and insurance - related businesses) portfolio and purchased credit-impaired (“PCI”) loans . Loans to mortgage companies include commercial lines of credit to qualified mortgage companies primarily for the tempora ry warehousing of eligible mortgage loans prior to the borrower’s sale of those mortgage loans to third party investors. Commercial classes within CRE include income CRE , residential CRE and PCI loans . Consumer loan portfolio segments include consumer real estate, permanent mortgage, and the credit card and other portfolio. Consumer classes include home equity lines of credit (“ HELOC s”), real estate (" R/E ") installment and PCI loans within the consumer real estate segment, permanent mortgage (which is both a segment and a class), and credit card and other. Concentrations FHN has a concentration of residential real estate loans ( 25 percent of total loans), the majority of which is in the consumer real estate segment ( 23 percent of total loans). Loans to fin ance and insurance companies total $ 2.6 billion ( 22 percent of the C&I portfolio, or 13 percent of the total loans). FHN had loans to mortgage companies totaling $1.5 billion ( 13 percent of the C&I segment, or 8 percent of total loans) as of March 31 , 2017 . As a result, 35 percent of the C&I segment is sensitive to impacts on the financial services industry. Purchased Credit-Impaired Loans The following table presents a rollforward of the accretable yield for the three months ended March 31, 2017 and 2016: Three Months Ended March 31 (Dollars in thousands) 2017 2016 Balance, beginning of period $ 6,871 $ 8,542 Accretion (851) (1,151) Adjustment for payoffs (273) (1,777) Adjustment for charge-offs - (663) Adjustment for pool excess recovery (a) (222) - Increase/(decrease) in accretable yield (b) (295) 4,007 Other (32) - Balance, end of period $ 5,198 $ 8,958 Represents the removal of accretable difference for the remaining loans in a pool which is now in a recovery state. Includes changes in the accretable yield due to both transfers from the nonaccretable difference and the impact of changes in the expected timing of the cash flows. At March 3 1 , 201 7 , the ALLL related to PCI loans was $ . 6 milli on compared to $.7 million at December 3 1 , 201 6. The loan loss provision amounts related to PCI loans recognized during the three months ended March 31, 2017, and 2016, respectively, were not significant . The following table reflects the outstanding principal balance and carrying amounts of the acquired PCI loans as of March 31, 2017 and December 31, 2016: March 31, 2017 December 31, 2016 (Dollars in thousands) Carrying value Unpaid balance Carrying value Unpaid balance Commercial, financial and industrial $ 38,088 $ 39,257 $ 40,368 $ 41,608 Commercial real estate 4,096 5,466 4,763 6,514 Consumer real estate 1,072 1,442 1,172 1,677 Credit card and other 53 64 52 64 Total $ 43,309 $ 46,229 $ 46,355 $ 49,863 Impaired Loans The following tables provide information at March 31, 2017 and December 31, 2016, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, before valuation allowance but which does reflect any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPs valuation allowance have been excluded. Three Months Ended March 31 March 31, 2017 2017 2016 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized Investment Recognized Impaired loans with no related allowance recorded: Commercial: General C&I $ 10,395 $ 16,612 $ - $ 10,407 $ - $ 9,224 $ - Income CRE - - - - - 2,468 - Total $ 10,395 $ 16,612 $ - $ 10,407 $ - $ 11,692 $ - Consumer: HELOC (a) $ 10,724 $ 22,020 $ - $ 11,054 $ - $ 10,921 $ - R/E installment loans (a) 3,916 4,987 - 3,937 - 4,434 - Permanent mortgage (a) 5,803 8,607 - 5,557 - 4,436 - Total $ 20,443 $ 35,614 $ - $ 20,548 $ - $ 19,791 $ - Impaired loans with related allowance recorded: Commercial: General C&I $ 31,392 $ 31,532 $ 2,850 $ 32,863 $ 215 $ 24,921 $ 87 TRUPS 3,183 3,700 925 3,196 - 3,323 - Income CRE 1,803 2,181 61 1,817 14 5,138 20 Residential CRE 1,293 1,761 131 1,293 5 1,397 6 Total $ 37,671 $ 39,174 $ 3,967 $ 39,169 $ 234 $ 34,779 $ 113 Consumer: HELOC $ 81,438 $ 83,888 $ 16,641 $ 83,075 $ 564 $ 88,580 $ 487 R/E installment loans 50,394 51,317 12,060 51,902 318 59,971 317 Permanent mortgage 82,940 94,755 11,532 85,778 615 95,232 547 Credit card & other 269 269 122 288 2 360 3 Total $ 215,041 $ 230,229 $ 40,355 $ 221,043 $ 1,499 $ 244,143 $ 1,354 Total commercial $ 48,066 $ 55,786 $ 3,967 $ 49,576 $ 234 $ 46,471 $ 113 Total consumer $ 235,484 $ 265,843 $ 40,355 $ 241,591 $ 1,499 $ 263,934 $ 1,354 Total impaired loans $ 283,550 $ 321,629 $ 44,322 $ 291,167 $ 1,733 $ 310,405 $ 1,467 All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance. December 31, 2016 Unpaid Average Interest Recorded Principal Related Recorded Income (Dollars in thousands) Investment Balance Allowance Investment Recognized Impaired loans with no related allowance recorded: Commercial: General C&I $ 10,419 $ 16,636 $ - $ 12,009 $ - Income CRE - - - 1,543 - Total $ 10,419 $ 16,636 $ - $ 13,552 $ - Consumer: HELOC (a) $ 11,383 $ 21,662 $ - $ 11,168 $ - R/E installment loans (a) 3,957 4,992 - 4,255 - Permanent mortgage (a) 5,311 7,899 - 4,418 - Total $ 20,651 $ 34,553 $ - $ 19,841 $ - Impaired loans with related allowance recorded: Commercial: General C&I $ 34,334 $ 34,470 $ 3,294 $ 30,836 $ 902 TRUPS 3,209 3,700 925 3,274 - Income CRE 1,831 2,209 62 3,757 70 Residential CRE 1,293 1,761 132 1,360 22 Total $ 40,667 $ 42,140 $ 4,413 $ 39,227 $ 994 Consumer: HELOC $ 84,711 $ 87,126 $ 15,927 $ 87,659 $ 2,092 R/E installment loans 53,409 54,559 12,875 57,906 1,370 Permanent mortgage 88,615 100,983 12,470 91,838 2,310 Credit card & other 306 306 133 345 13 Total $ 227,041 $ 242,974 $ 41,405 $ 237,748 $ 5,785 Total commercial $ 51,086 $ 58,776 $ 4,413 $ 52,779 $ 994 Total consumer $ 247,692 $ 277,527 $ 41,405 $ 257,589 $ 5,785 Total impaired loans $ 298,778 $ 336,303 $ 45,818 $ 310,368 $ 6,779 All discharged bankruptcy loans are charged down to an estimate of net realizable value and do not carry any allowance. Asset Quality Indicators FHN employs a dual grade commercial risk grading methodology to assign an estimate for the probability of default (" PD ") and the loss given default (" LGD ") for each commercial loan using factors specific to various industry, portfolio, or product segments that result in a rank ordering of risk and the assignment of grades PD 1 to PD 16. This credit grading system is intended to identify and measure the credit quality of the loan portfolio by analyzing the migration of loans be tween grading categories. It is also integral to the estimation methodology utilized in determining the allowance for loan losses since an allowance is established for pools of commercial loans based on the credit grade assigned. Each PD grade corresponds to an estimated one-year default probability percentage; a PD 1 has the lowest expected default probability, and probabilities increase as grades progress down the scale. PD 1 through PD 12 are “pass” grades. P D grades 13-16 correspond to the regulatory-de fined categories of special mention (13), substandard (14), doubtful (15), and loss (16). Pass loan grades are required to be reassessed annually or earlier whenever there has been a material change in the financial condition of the borrower or risk charac teristics of the relationship. All commercial loans over $ 1 million and certain commercial loans over $ 500,000 that are graded 13 or worse are reassessed on a quarterly basis. Loan grading discipline is regularly reviewed internally by Credit Assurance Ser vices to determine if the process continues to result in accurate loan grading across the portfolio. FHN may utilize availability of guarantors/sponsors to support lending decisions during the credit underwriting process and when determining the assignment of internal loan grades. LGD grades are assigned based on a scale of 1-12 and represent FHN’s expected recovery based on collateral type in the event a loan defaults . See Note 5 – Allowance for Loan Losses for further discussion on the credit grading syste m. The following tables provide the balances of commercial loan portfolio classes with associated allowance, disaggregated by PD grade as of March 31, 2017 and December 31, 2016: March 31, 2017 Loans to Allowance General Mortgage Income Residential Percentage for Loan (Dollars in thousands) C&I Companies TRUPS (a) CRE CRE Total of Total Losses PD Grade: 1 $ 478,025 $ - $ - $ 610 $ - $ 478,635 3 % $ 78 2 891,450 - - 11,293 81 902,824 7 442 3 403,403 398,860 - 160,115 - 962,378 7 239 4 998,015 227,257 - 242,069 221 1,467,562 11 879 5 1,269,384 139,434 - 426,147 333 1,835,298 13 7,260 6 1,535,573 521,253 - 368,073 8,072 2,432,971 17 10,600 7 1,479,242 169,444 - 396,654 2,161 2,047,501 15 12,767 8 1,042,772 49,588 - 352,370 4,383 1,449,113 10 24,532 9 641,463 4,643 - 82,734 3,357 732,197 5 14,396 10 344,633 4,499 - 35,489 9,695 394,316 3 8,510 11 228,258 - - 17,501 5,454 251,213 2 6,289 12 162,238 13,956 - 15,831 2,965 194,990 1 6,862 13 115,844 - 304,236 4,755 128 424,963 3 3,757 14,15,16 197,230 48 - 14,395 1,183 212,856 2 23,177 Collectively evaluated for impairment 9,787,530 1,528,982 304,236 2,128,036 38,033 13,786,817 99 119,788 Individually evaluated for impairment 41,787 - 3,183 1,803 1,293 48,066 1 3,967 Purchased credit-impaired loans 38,278 - - 4,052 94 42,424 - 240 Total commercial loans $ 9,867,595 $ 1,528,982 $ 307,419 $ 2,133,891 $ 39,420 $ 13,877,307 100 % $ 123,995 December 31, 2016 Loans to Allowance General Mortgage Income Residential Percentage for Loan (Dollars in thousands) C&I Companies TRUPS (a) CRE CRE Total of Total Losses PD Grade: 1 $ 465,179 $ - $ - $ 1,078 $ - $ 466,257 3 % $ 77 2 791,183 - - 11,742 87 803,012 6 403 3 491,386 462,486 - 153,670 - 1,107,542 8 304 4 978,282 332,107 - 222,422 - 1,532,811 11 953 5 1,232,401 275,209 - 365,653 702 1,873,965 13 6,670 6 1,540,519 614,109 - 338,344 9,338 2,502,310 17 10,403 7 1,556,117 317,283 - 352,390 2,579 2,228,369 16 14,010 8 963,359 30,974 - 425,503 2,950 1,422,786 10 25,986 9 611,774 4,299 - 105,277 4,417 725,767 5 13,857 10 355,359 8,663 - 50,484 9,110 423,616 3 8,400 11 238,230 - - 20,600 6,541 265,371 2 6,556 12 170,531 - - 15,395 4,168 190,094 1 6,377 13 121,276 - 304,236 6,748 311 432,571 3 4,225 14,15,16 194,572 59 - 16,313 1,659 212,603 1 20,297 Collectively evaluated for impairment 9,710,168 2,045,189 304,236 2,085,619 41,862 14,187,074 99 118,518 Individually evaluated for impairment 44,753 - 3,209 1,831 1,293 51,086 1 4,413 Purchased credit-impaired loans 40,532 - - 4,583 335 45,450 - 319 Total commercial loans $ 9,795,453 $ 2,045,189 $ 307,445 $ 2,092,033 $ 43,490 $ 14,283,610 100 % $ 123,250 Balances as of March 31 , 2017 and December 31, 2016 , presented net of a $ 25.5 million valuation allowance . Based on the underlying structure of the notes , the highest possible internal grade is " 13 ". The consumer portfolio is comprised primarily of smaller-balance loans which are very similar in nature in that most are standard products and are backed by residential real estate. Because of the similarities of consumer loan-types, FHN is able to utilize the Fair Isaac Corporation (“FICO”) score, among other attributes, to assess the credit quality of consumer borrowers. FICO scores are refreshed on a quarterly basis in an attempt to reflect the recent risk profile of th e borrowers. Accruing delinquency amounts are indicators of asset quality within the credit card and other consumer portfolio. The following table reflects the percentage of balances outstanding by average, refreshed FICO scores for the HELOC, real estate installment, and permanent mortgage classes of loans as of March 31, 2017 and December 31, 2016: March 31, 2017 December 31, 2016 HELOC R/E Installment Loans Permanent Mortgage HELOC R/E Installment Loans Permanent Mortgage FICO score 740 or greater 57.6 % 70.1 % 45.5 % 56.9 % 70.3 % 45.0 % FICO score 720-739 8.8 8.0 8.7 8.8 8.3 9.5 FICO score 700-719 8.2 7.2 9.5 8.6 6.8 9.2 FICO score 660-699 12.6 9.0 16.8 13.2 8.4 17.1 FICO score 620-659 5.7 3.0 8.9 5.6 3.5 9.1 FICO score less than 620 (a) 7.1 2.7 10.6 6.9 2.7 10.1 Total 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % 100.0 % For this group, a majority of the loan balances had FICO scores at the time of the origination that exceeded 620 but have since deteriorated as the loans have seasoned . Nonaccrual and Past Due Loans The following table reflects accruing and non-accruing loans by class on March 31, 2017: Accruing Non-Accruing 30-89 90+ 30-89 90+ Total Days Days Total Days Days Non- Total (Dollars in thousands) Current Past Due Past Due Accruing Current Past Due Past Due Accruing Loans Commercial (C&I): General C&I $ 9,781,688 $ 20,073 $ 101 $ 9,801,862 $ 14,511 $ 113 $ 12,831 $ 27,455 $ 9,829,317 Loans to mortgage companies 1,528,934 - - 1,528,934 - - 48 48 1,528,982 TRUPS (a) 304,236 - - 304,236 - - 3,183 3,183 307,419 Purchased credit-impaired loans 38,045 8 225 38,278 - - - - 38,278 Total commercial (C&I) 11,652,903 20,081 326 11,673,310 14,511 113 16,062 30,686 11,703,996 Commercial real estate: Income CRE 2,128,111 128 - 2,128,239 100 - 1,500 1,600 2,129,839 Residential CRE 38,531 - - 38,531 - - 795 795 39,326 Purchased credit-impaired loans 3,605 541 - 4,146 - - - - 4,146 Total commercial real estate 2,170,247 669 - 2,170,916 100 - 2,295 2,395 2,173,311 Consumer real estate: HELOC 1,521,042 16,612 10,247 1,547,901 46,661 4,187 8,345 59,193 1,607,094 R/E installment loans 2,814,663 7,056 4,427 2,826,146 17,477 1,993 2,679 22,149 2,848,295 Purchased credit-impaired loans 1,328 - 94 1,422 - - - - 1,422 Total consumer real estate 4,337,033 23,668 14,768 4,375,469 64,138 6,180 11,024 81,342 4,456,811 Permanent mortgage 369,882 4,802 5,718 380,402 14,166 1,006 13,661 28,833 409,235 Credit card & other: Credit card 182,129 1,393 1,449 184,971 - - - - 184,971 Other 160,929 482 150 161,561 - - 136 136 161,697 Purchased credit-impaired loans 53 - - 53 - - - - 53 Total credit card & other 343,111 1,875 1,599 346,585 - - 136 136 346,721 Total loans, net of unearned income $ 18,873,176 $ 51,095 $ 22,411 $ 18,946,682 $ 92,915 $ 7,299 $ 43,178 $ 143,392 $ 19,090,074 TRUPS is presented net of the valuation allowance of $25.5 million . The following table reflects accruing and non-accruing loans by class on December 31, 2016: Accruing Non-Accruing 30-89 90+ 30-89 90+ Total Days Days Total Days Days Non- Total (Dollars in thousands) Current Past Due Past Due Accruing Current Past Due Past Due Accruing Loans Commercial (C&I): General C&I $ 9,720,231 $ 5,199 $ 23 $ 9,725,453 $ 16,106 $ 374 $ 12,988 $ 29,468 $ 9,754,921 Loans to mortgage companies 2,041,408 3,722 - 2,045,130 - - 59 59 2,045,189 TRUPS (a) 304,236 - - 304,236 - - 3,209 3,209 307,445 Purchased credit-impaired loans 40,113 185 234 40,532 - - - - 40,532 Total commercial (C&I) 12,105,988 9,106 257 12,115,351 16,106 374 16,256 32,736 12,148,087 Commercial real estate: Income CRE 2,085,455 14 - 2,085,469 232 460 1,289 1,981 2,087,450 Residential CRE 42,182 178 - 42,360 - - 795 795 43,155 Purchased credit-impaired loans 4,809 109 - 4,918 - - - - 4,918 Total commercial real estate 2,132,446 301 - 2,132,747 232 460 2,084 2,776 2,135,523 Consumer real estate: HELOC 1,602,640 17,997 10,859 1,631,496 46,964 4,201 8,922 60,087 1,691,583 R/E installment loans 2,794,866 7,844 5,158 2,807,868 17,989 2,383 2,353 22,725 2,830,593 Purchased credit-impaired loans 1,319 164 93 1,576 - - - - 1,576 Total consumer real estate 4,398,825 26,005 16,110 4,440,940 64,953 6,584 11,275 82,812 4,523,752 Permanent mortgage 385,972 4,544 5,428 395,944 11,867 2,194 13,120 27,181 423,125 Credit card & other: Credit card 188,573 1,622 1,456 191,651 - - - - 191,651 Other 166,062 992 134 167,188 - - 142 142 167,330 Purchased credit-impaired loans 52 - - 52 - - - - 52 Total credit card & other 354,687 2,614 1,590 358,891 - - 142 142 359,033 Total loans, net of unearned income $ 19,377,918 $ 42,570 $ 23,385 $ 19,443,873 $ 93,158 $ 9,612 $ 42,877 $ 145,647 $ 19,589,520 TRUPS is presented net of the valuation allowance of $25.5 million. Troubled Debt Restructurings As part of FHN’s ongoing risk management practices, FHN attempts to work with borrowers when necessary to extend or modify loan terms to better align with their current ability to repay. Extensions and modifications to loans are made in accordance with internal policies and guidelines which conform to regulatory guidance. Each occurrence is unique to the borrower and is evaluated separately. A modification is classified as a TDR if the borrower is experiencing financial diffi culty and it is determined that FHN has granted a concession to the borrower. FHN may determine that a borrower is experiencing financial difficulty if the borrower is currently in default on any of its debt, or if it is probable that a borrower may defaul t in the foreseeable future. Many aspects of a borrower’s financial situation are assessed when determining whether they are experiencing financial difficulty. Concessions could include extension of the maturity date, reductions of the interest rate (which may make the rate lower than current market for a new loan with similar risk), reduction or forgiveness of accrued interest, or principal forgiveness. The assessments of whether a borrower is experiencing (or is likely to experience) financial difficulty, and whether a concession has been granted, are subjective in nature and management’s judgment is required when determining whether a modification is classified as a TDR. For all classes within the commercial portfolio segment, TDRs are typically modified through forbearance agreements (generally 6 to 12 months). Forbearance agreements could include reduced interest rates, reduced payments, release of guarantor, or entering into short sale agreements. FHN’s proprietary modification programs for consumer loa ns are generally structured using parameters of U.S. government-sponsored programs such as the former Home Affordable Modification Program (“HAMP”). Within the HELOC and R/E installment loans classes of the consumer portfolio segment, TDRs are typically mo dified by reducing the interest rate (in increments of 25 basis points to a minimum of 1 percent for up to 5 years) and a possible maturity date extension to reach an affordable housing debt -to-income ratio. After 5 years, the interest rate generally returns to the original interest rate prior to modification ; for certain modifications, the modified interest rate increase s 2 percent per year until the original interest rate prior to modification is achieved. Permanent mortgage TDRs are typically modified by reducing the interest rate (in increments of 25 basis points to a minimum of 2 percent for up to 5 years ) and a possible maturity date extension to reach an affordable housing debt -to-income ratio. After 5 years, the interest rate steps up 1 percent every year until it reach es the Federal Home Loan Mortgage Corporation Weekly Survey Rate cap. Contractual maturities may be extended to 40 years on permanent mortgages and to 30 years for consumer real estate loans. Within the credit card class of the consumer portfolio segment, TDRs are typically modified through either a short-term credit card hardship program or a longer-term credit card workout program. In the credit card hardship program, borrowers may be granted rate and payment reductions for 6 months to 1 year. In the cred it card workout program, customers are granted a rate reduction to 0 percent and term extensions for up to 5 years to pay off the remaining balance. Despite the absence of a loan modification, the discharge of personal liability through bankruptcy proceedi ngs is considered a concession. As a result, FHN classifies all non-reaffirmed residential real estate loans discharged in Chapter 7 bankruptcy as nonaccruing TDRs. On March 31 , 2017 and December 31, 2016 , FHN had $ 270.0 million and $ 285.2 million of portfolio loans classified as TDRs, respectively. For TDRs in the loan portfolio, FHN had loan loss reserves of $ 43.4 million, or 16 percent as of March 31 , 2017 , and $ 44.9 million , or 16 percent as of December 31, 2016 . Additionally, $ 67.2 million and $ 69.3 million of loans held-for-sale as of March 31 , 2017 and December 31, 2016 , respectively , were classified as TDRs. The following tables reflect portfolio loans that were classified as TDRs during the three months ended March 31, 2017 and 2016: March 31, 2017 March 31, 2016 Pre-Modification Post-Modification Pre-Modification Post-Modification Outstanding Outstanding Outstanding Outstanding (Dollars in thousands) Number Recorded Investment Recorded Investment Number Recorded Investment Recorded Investment Commercial (C&I): General C&I 1 $ 27 $ 37 1 $ 708 $ 708 Total commercial (C&I) 1 27 37 1 708 708 Consumer real estate: HELOC 35 2,589 2,473 99 7,440 7,370 R/E installment loans 14 957 902 15 898 895 Total consumer real estate 49 3,546 3,375 114 8,338 8,265 Permanent mortgage 5 1,310 1,303 - - - Credit card & other 6 21 20 4 19 18 Total troubled debt restructurings 61 $ 4,904 $ 4,735 119 $ 9,065 $ 8,991 The following tables present TDRs which re-defaulted during the three months ended March 31, 2017 and 2016, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due. March 31, 2017 March 31, 2016 Recorded Recorded (Dollars in thousands) Number Investment Number Investment Commercial (C&I): General C&I 1 $ 5,779 - $ - Total commercial (C&I) 1 5,779 - - Consumer real estate: HELOC 4 685 1 36 Total consumer real estate 4 685 1 36 Credit card & other 2 7 - - Total troubled debt restructurings 7 $ 6,471 1 $ 36 |