PNC Bank 2015 Annual Report Download - page 160
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Table 67: Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data
In millions
Commercial
Lending
Consumer
Lending Total
December 31, 2015
Allowance for Loan and Lease Losses
January 1 $ 1,571 $ 1,760 $ 3,331
Charge-offs (255) (550) (805)
Recoveries 240 179 419
Net (charge-offs) / recoveries (15) (371) (386)
Provision for credit losses 55 200 255
Net change in allowance for unfunded loan commitments and letters of credit (3) 1 (2)
Write-offs of purchased impaired loans (a) (468) (468)
Other (3) (3)
December 31 $ 1,605 $ 1,122 $ 2,727
TDRs individually evaluated for impairment $ 43 $ 276 $ 319
Other loans individually evaluated for impairment 76 76
Loans collectively evaluated for impairment 1,437 585 2,022
Purchased impaired loans 49 261 310
December 31 $ 1,605 $ 1,122 $ 2,727
Loan Portfolio
TDRs individually evaluated for impairment (b) $ 434 $ 1,917 $ 2,351
Other loans individually evaluated for impairment 309 309
Loans collectively evaluated for impairment (c) 132,632 66,977 199,609
Fair value option loans (d) 905 905
Purchased impaired loans 169 3,353 3,522
December 31 $133,544 $73,152 $206,696
Portfolio segment ALLL as a percentage of total ALLL 59% 41% 100%
Ratio of the allowance for loan and lease losses to total loans (a) 1.20% 1.53% 1.32%
December 31, 2014
Allowance for Loan and Lease Losses
January 1 $ 1,547 $ 2,062 $ 3,609
Charge-offs (360) (661) (1,021)
Recoveries 305 185 490
Net charge-offs (55) (476) (531)
Provision for credit losses 100 173 273
Net change in allowance for unfunded loan commitments and letters of credit (18) 1 (17)
Other (3) (3)
December 31 $ 1,571 $ 1,760 $ 3,331
TDRs individually evaluated for impairment $ 62 $ 324 $ 386
Other loans individually evaluated for impairment 77 77
Loans collectively evaluated for impairment 1,353 643 1,996
Purchased impaired loans 79 793 872
December 31 $ 1,571 $ 1,760 $ 3,331
Loan Portfolio
TDRs individually evaluated for impairment (b) $ 542 $ 2,041 $ 2,583
Other loans individually evaluated for impairment 309 309
Loans collectively evaluated for impairment (c) 127,207 68,826 196,033
Fair value option loans (d) 1,034 1,034
Purchased impaired loans 310 4,548 4,858
December 31 $128,368 $76,449 $204,817
Portfolio segment ALLL as a percentage of total ALLL 47% 53% 100%
Ratio of the allowance for loan and lease losses to total loans 1.22% 2.30% 1.63%
142 The PNC Financial Services Group, Inc. – Form 10-K