Huntington National Bank 2014 Annual Report Download - page 131

125
December 31, 2013
Credit Risk Profile by UCS classification
(dollar amounts in thousands) Pass OLEM Substandard Doubtful Total
Commercial and industrial:
Owner occupied $ 4,052,579 $ 130,645 $ 155,994 $ 8,654 $ 4,347,872
Purchased impaired 5,015 661 27,693 2,157 35,526
Other commercial and industrial 12,630,512 211,860 364,343 4,163 13,210,878
Total commercial and industrial $ 16,688,106 $ 343,166 $ 548,030 $ 14,974 $ 17,594,276
Commercial real estate:
Retail properties $ 1,153,747 $ 16,003 $ 93,819 $ --- $ 1,263,569
Multi family 972,526 16,540 36,411 114 1,025,591
Office 847,411 4,866 87,722 2,294 942,293
Industrial and warehouse 431,057 14,138 27,698 --- 472,893
Purchased impaired 13,127 3,586 62,577 2,783 82,073
Other commercial real estate 977,987 16,270 68,653 765 1,063,675
Total commercial real estate $ 4,395,855 $ 71,403 $ 376,880 $ 5,956 $ 4,850,094
Credit Risk Profile by FICO score (1)
750+ 650-749 <650 Other (2) Total
Automobile $ 2,987,323 $ 2,517,756 $ 945,604 $ 188,030 $ 6,638,713
Home equity:
Secured by first-lien 3,018,784 1,412,445 299,681 111,234 4,842,144
Secured by junior-lien 1,811,102 1,213,024 413,695 56,353 3,494,174
Total home equity $ 4,829,886 $ 2,625,469 $ 713,376 $ 167,587 $ 8,336,318
Residential mortgage:
Residential mortgage 2,837,590 1,710,183 699,541 71,276 5,318,590
Purchased impaired 588 989 921 --- 2,498
Total residential mortgage 2,838,178 $ 1,711,172 $ 700,462 $ 71,276 $ 5,321,088
Other consumer:
Other consumer 161,858 157,675 45,370 14,979 379,882
Purchased impaired --- 60 69 --- 129
Total other consumer loans 161,858 $ 157,735 $ 45,439 $ 14,979 $ 380,011
(1) Reflects currently updated customer credit scores.
(2) Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
Impaired Loans
For all classes within the C&I and CRE portfolios, all loans with an outstanding balance of $1.0 million or greater are considered
for individual evaluation of impairment on a quarterly basis. Generally, consumer loans within any class are not individually
evaluated on a regular basis for impairment. All TDRs, regardless of the outstanding balance amount, are also considered to be
impaired. Loans acquired with evidence of deterioration of credit quality since origination for which it is probable at acquisition that
all contractually required payments will not be collected are also considered to be impaired.
Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current
information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be
collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly
from those estimates.