Regions Bank 2009 Annual Report Download - page 117
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Table 29—Non-Performing Assets
2009 2008
(Dollars in millions)
Amount
% of loan
balance Amount
% of loan
balance
Non-performing loans:
Commercial and industrial ................................. $ 427 2.0% $ 176 0.7%
Commercial real estate mortgage—owner occupied ............. 560 4.6 157 1.3
Commercial real estate construction—owner occupied ........... 50 6.7 26 1.6
Total commercial .................................... 1,037 3.0 359 1.0
Commercial investor real estate mortgage ..................... 1,203 7.5 292 2.0
Commercial investor real estate construction .................. 1,067 19.1 273 3.0
Total investor real estate .............................. 2,270 10.5 565 2.4
Residential first mortgage ................................. 180 1.2 125 0.8
Home equity ............................................ 1 0.0 3 0.0
Total non-performing loans .................................... 3,488 3.8 1,052 1.1
Foreclosed properties ......................................... 607 243
Total non-performing assets* excluding loans held for sale ....... 4,095 1,295
Non-performing loans held for sale .............................. 317 423
Total non-performing assets* ............................... $4,412 $1,718
Accruing loans 90 days past due:
Commercial and industrial ................................. $ 24 0.1% $ 14 0.1%
Commercial real estate mortgage—owner occupied ............. 16 0.1 9 0.1
Commercial real estate construction—owner occupied ........... 2 0.3 3 0.2
Total commercial .................................... 42 0.1 26 0.1
Commercial investor real estate mortgage ..................... 22 0.1 12 0.1
Commercial investor real estate construction .................. 8 0.1 12 0.1
Total investor real estate .............................. 30 0.1 24 0.1
Residential first mortgage ................................. 361 2.3 275 1.7
Home equity ............................................ 241 1.6 214 1.3
Indirect ................................................ 6 0.2 8 0.2
Other consumer ......................................... 8 0.7 7 0.6
$ 688 0.8% $ 554 0.6%
Restructured loans not included in the categories above .............. $1,608 $ 455
Non-performing loans* to loans, net of unearned income ............. 3.85% 1.08%
Non-performing assets* excluding loans held for sale, to loans, net of
unearned income and foreclosed properties ...................... 4.49% 1.33%
Non-performing assets* to loans, net of unearned income and foreclosed
properties ................................................ 4.83% 1.76%
* Exclusive of accruing loans 90 days past due
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