Huntington National Bank 2011 Annual Report Download - page 73

The following table reflects period-end accruing loans and leases 90 days or more past due for each of the
last five years:
Table 15 — Accruing Past Due Loans and Leases
At December 31,
2011 2010 2009 2008 2007
(dollar amounts in thousands)
Accruing loans and leases past due 90 days or
more
Commercial and industrial .................... $—$ — $ — $ 10,889 $ 10,474
Commercial real estate ....................... —— — 59,425 25,064
Residential mortgage (excluding loans guaranteed
by the U.S. government) ................... 45,198 53,983 78,915 71,553 67,391
Home equity ............................... 20,198 23,497 53,343 29,039 24,086
Other loans and leases ....................... 8,253 10,177 13,400 18,039 13,962
Total, excl. loans guaranteed by the U.S.
government ................................ 73,649 87,657 145,658 188,945 140,977
Add: loans guaranteed by the U.S. government ...... 96,703 98,288 101,616 82,576 51,174
Total accruing loans and leases past due 90 days or
more, including loans guaranteed by the U.S.
government ............................... $170,352 $185,945 $247,274 $271,521 $192,151
Ratios:(1)
Excluding loans guaranteed by the U.S. government,
as a percent of total loans and leases ............ 0.19% 0.23% 0.40% 0.46% 0.35%
Guaranteed by the U.S. government, as a percent of
total loans and leases ........................ 0.25 0.26 0.28 0.20 0.13
Including loans guaranteed by the U.S. government,
as a percent of total loans and leases ............ 0.44 0.49 0.68 0.66 0.48
(1) Ratios are calculated as a percentage of related loans and leases.
TDR Loans
TDRs are modified loans in which a concession is provided to a borrower experiencing financial difficulties.
TDRs can be classified as either accrual or nonaccrual loans. Nonaccrual TDRs are included in NALs, whereas
accruing TDRs are excluded from NALs as it is probable that all contractual principal and interest due under the
restructured terms will be collected.
59