Regions Bank 2012 Annual Report Download - page 104
Download and view the complete annual report
Please find page 104 of the 2012 Regions Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1 -
2
-
3
-
4
-
5
-
6
-
7
-
8
-
9
-
10
-
11
-
12
-
13
-
14
-
15
-
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94 -
95 -
96 -
97 -
98 -
99 -
100 -
101 -
102 -
103 -
104 -
105 -
106 -
107 -
108 -
109 -
110 -
111 -
112 -
113 -
114 -
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
-
228
-
229
-
230
-
231
-
232
-
233
-
234
-
235
-
236
-
237
-
238
-
239
-
240
-
241
-
242
-
243
-
244
-
245
-
246
-
247
-
248
-
249
-
250
-
251
-
252
-
253
-
254
 |
 |
Non-Performing Assets
Non-performing assets consist of loans on non-accrual status and foreclosed properties and are summarized
as follows:
Table 20—Non-Performing Assets
2012 2011 2010 2009 2008
(Dollars in millions)
Non-performing loans:
Commercial and industrial ............................ $ 409 $ 457 $ 467 $ 427 $ 176
Commercial real estate mortgage—owner occupied ........ 439 590 606 560 157
Commercial real estate construction—owner occupied ...... 14 25 29 50 26
Total commercial ............................... 862 1,072 1,102 1,037 359
Commercial investor real estate mortgage ................ 457 734 1,265 1,203 292
Commercial investor real estate construction ............. 20 180 452 1,067 273
Total investor real estate ......................... 477 914 1,717 2,270 565
Residential first mortgage ............................ 214 250 285 180 125
Home equity ....................................... 128 136 56 1 3
Total non-performing loans, excluding loans held for sale ....... 1,681 2,372 3,160 3,488 1,052
Non-performing loans held for sale ......................... 89 328 304 317 423
Total non-performing loans (1) ......................... 1,770 2,700 3,464 3,805 1,475
Foreclosed properties .................................... 149 296 454 607 243
Total non-performing assets (1) ......................... $1,919 $2,996 $3,918 $4,412 $1,718
Accruing loans 90 days past due:
Commercial and industrial ............................ $ 19 $ 28 $ 9 $ 24 $ 14
Commercial real estate mortgage—owner occupied ........696169
Commercial real estate construction—owner occupied ...... — — 1 2 3
Total commercial ............................... 25 37 16 42 26
Commercial investor real estate mortgage ................ 11 13 5 22 12
Commercial investor real estate construction ............. — — 1 8 12
Total investor real estate ......................... 11 13 6 30 24
Residential first mortgage ............................ 307 284 359 361 275
Home equity ....................................... 87 93 198 241 214
Indirect ...........................................32268
Consumer credit card ................................ 14 14 — — —
Other consumer ....................................34487
$ 450 $ 447 $ 585 $ 688 $ 554
Restructured loans not included in the categories above ......... $2,789 $2,850 $1,483 $1,608 $ 455
Non-performing loans (1) to loans and non-performing loans held
for sale ............................................. 2.39% 3.47% 4.17% 4.18% 1.51%
Non-performing assets (1) to loans, foreclosed properties and
non-performing loans held for sale ....................... 2.59% 3.83% 4.69% 4.82% 1.75%
(1) Exclusive of accruing loans 90 days past due
88