Huntington National Bank 2012 Annual Report Download - page 128

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Loan and Lease Portfolio Composition
The table below summarizes the Company’s primary portfolios. For ACL purposes, these portfolios are further disaggregated
into classes which are also summarized in the table below.
Portfolio Class
Commercial and industrial Owner occupied
Purchased credit-impaired
Other commercial and industrial
Commercial real estate Retail properties
Multi family
Office
Industrial and warehouse
Purchased credit-impaired
Other commercial real estate
Automobile NA (1)
Home equity Secured by first-lien
Secured by junior-lien
Residential mortgage Residential mortgage
Purchased credit-impaired
Other consumer Other consumer
Purchased credit-impaired
(1) Not applicable. The automobile loan portfolio is not further segregated into classes.
Direct Financing Leases
Huntington’s loan and lease portfolio includes lease financing receivables consisting of direct financing leases on equipment,
which are included in C&I loans, and on automobiles. Net investments in lease financing receivables by category at December 31,
2012 and 2011 were as follows:

  AtDecember31,
(dollaramountsinthousands)20122011
Commercialandindustrial: 
Leasepaymentsreceivable$1,477,296 $1,001,939
Estimatedresidualvalueofleasedassets   332,369  201,663
Grossinvestmentincommercialleasefinancingreceivables   1,809,665  1,203,602
Netdeferredoriginationcosts   2,805 3,034
Unearnedincome   (142,904) (109,820)
Totalnetinvestmentincommercialleasefinancingreceivables  $1,669,566 $1,096,816
ConsumerͲAutomobile:   
Leasepaymentsreceivable  $(299) $2,562
Estimatedresidualvalueofleasedassets   921 10,843
Grossinvestmentinconsumerleasefinancingreceivables   622 13,405
Netdeferredoriginationfees   (2) (18)
Unearnedincome   (5) (497)
Totalnetinvestmentinconsumerleasefinancingreceivables  $615 $12,890
The future lease rental payments due from customers on direct financing leases at December 31, 2012, totaled $1.5 billion and
were as follows: $0.5 billion in 2013, $0.3 billion in 2014, $0.2 billion in 2015, $0.2 billion in 2016, $0.1 billion in 2017, and $0.2
thereafter.