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SUNTRUST  ANNUAL REPORT78
Total nonaccrual loans at December ,  and  were . mil-
lion and . million, respectively. The gross amounts of interest income
that would have been recorded in , , and  on nonaccrual
loans at December  of each year, if all such loans had been accruing inter-
est at their contractual rates, were . million, . million, and .
million, while interest income actually recognized totaled . million,
. million, and . million, respectively.
At December ,  and , impaired loans amounted to .
million and . million, respectively. At December ,  and ,
impaired loans requiring an allowance for loan losses were . million and
. million, respectively. Included in the allowance for loan and lease
losses was .million and . million at December ,  and
, respectively, related to impaired loans. For the years ended December
, , , and , the average recorded investment in impaired
loans was . million, . million, and . million, respectively;
and . million, . million, and . million, respectively, of interest
income was recognized on loans while they were impaired.
NOTE  • Loans
The composition of the Company’s loan portfolio at December  is shown in the following table:
(Dollars in thousands)  
Commercial ,, ,,
Real estate:
Home equity ,, ,,
Construction ,, ,,
Residential mortgages ,, ,,
Other ,, ,,
Credit card , ,
Consumer loans ,, ,,
Total loans ,, ,,
NOTE  • Allowance for Loan and Lease Losses
Activity in the allowance for loan and lease losses is summarized in the table below:
(Dollars in thousands)   
Balance at beginning of year ,, , ,
Allowance from acquisitions, dispositions and other activity – net — , ,
Provision for loan losses , , ,
Loan charge-offs (,) (,) (,)
Loan recoveries , , ,
Balance at end of year ,, ,, ,
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS continued