Huntington National Bank 2011 Annual Report Download - page 162
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Please find page 162 of the 2011 Huntington National Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
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Commercial loan TDRs — In instances where the bank substantiates that it will collect its outstanding
balance in full, the note is considered for return to accrual status upon the borrower sustaining sufficient cash
flows for a six-month period of time. This six-month period could extend before or after the restructure date. If a
charge-off was taken as part of the restructuring, any interest or principal payments received on that note are
applied to first reduce the bank’s outstanding book balance and then to recoveries of charged-off principal,
unpaid interest, and/or fee expenses.
Residential Mortgage and Other Consumer loan TDRs — Modified loans identified as TDRs are aggregated
into pools for analysis. Cash flows and weighted average interest rates are used to calculate impairment at the
pooled-loan level. Once the loans are aggregated into the pool, they continue to be classified as TDRs until
contractually repaid or charged-off.
Residential mortgage loans not guaranteed by a U.S. government agency such as the FHA, VA, and the
USDA, including TDR loans, are reported as accrual or nonaccrual based upon delinquency status. Nonaccrual
TDRs are those that are greater than 150-days contractually past due. Loans guaranteed by U.S. government
organizations continue to accrue interest upon delinquency.
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