Huntington National Bank 2011 Annual Report Download - page 155

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The following table presents each loan and lease class by credit quality indicator for the years ended
December 31, 2011 and 2010:
December 31, 2011
Credit Risk Profile by UCS classification
Pass OLEM Substandard Doubtful Total
(dollar amounts in thousands)
Commercial and industrial:
Owner occupied ....................... $ 3,624,103 $101,897 $285,561 $1,195 $ 4,012,756
Other commercial and industrial .......... 10,108,946 145,963 425,882 5,824 10,686,615
Total commercial and industrial ............. $13,733,049 $247,860 $711,443 $7,019 $14,699,371
Commercial real estate:
Retail properties ....................... $ 1,191,471 $122,337 $271,675 $ — $ 1,585,483
Multi family .......................... 801,717 48,094 93,449 285 943,545
Office ............................... 896,230 67,050 61,476 108 1,024,864
Industrial and warehouse ................ 649,165 9,688 70,621 68 729,542
Other commercial real estate ............. 1,112,751 110,276 318,479 769 1,542,275
Total commercial real estate ............... $ 4,651,334 $357,445 $815,700 $1,230 $ 5,825,709
Credit Risk Profile by FICO score(1)
750+ 650-749 <650 Other(2) Total
Automobile ............................. $2,635,082 $2,276,990 $707,141 $ 88,233 $5,707,446(3)
Home equity:
Secured by first-lien .................... 2,196,566 1,287,444 329,670 1,899 3,815,579
Secured by second-lien .................. 2,119,292 1,646,117 625,298 9,127 4,399,834
Residential mortgage ...................... 2,454,401 1,752,409 723,377 298,089 5,228,276
Other consumer .......................... 185,333 206,749 83,431 22,055 497,568
December 31, 2010
Credit Risk Profile by UCS classification
Pass OLEM Substandard Doubtful Total
(dollar amounts in thousands)
Commercial and industrial:
Owner occupied ....................... $ 3,265,266 $159,398 $ 392,969 $ 5,830 $ 3,823,463
Other commercial and industrial .......... 8,434,969 264,679 524,867 15,315 9,239,830
Total commercial and industrial ............ $11,700,235 $424,077 $ 917,836 $21,145 $13,063,293
Commercial real estate:
Retail properties ...................... $ 1,283,667 $128,067 $ 350,478 $ 5 $ 1,762,217
Multi family .......................... 898,935 78,577 143,689 415 1,121,616
Office ............................... 867,970 122,173 132,833 151 1,123,127
Industrial and warehouse ................ 668,452 72,177 112,323 — 852,952
Other commercial real estate ............. 1,220,708 88,288 481,136 1,112 1,791,244
Total commercial real estate ............... $ 4,939,732 $489,282 $1,220,459 $ 1,683 $ 6,651,156
Credit Risk Profile by FICO score(1)
750+ 650-749 <650 Other(2) Total
Automobile ............................. $2,516,130 $2,267,363 $724,584 $106,634 $5,614,711
Home equity:
Secured by first-lien .................... 1,643,792 1,082,143 313,961 856 3,040,752
Secured by second-lien .................. 2,224,545 1,768,450 678,738 669 4,672,402
Residential mortgage ...................... 1,978,843 1,580,266 795,676 145,581 4,500,366
Other consumer .......................... 206,952 234,558 102,254 20,063 563,827
(1) Reflects currently updated customer credit scores.
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