SunTrust 2010 Annual Report Download - page 129

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SUNTRUST BANKS, INC.
Notes to Consolidated Financial Statements (Continued)
impairment. Smaller-balance homogeneous loans that are collectively evaluated for impairment are not included in the
following tables. Included in the impaired loan balances below were $2.5 billion and $1.6 billion of accruing TDRs, of which
85% were current at both December 31, 2010 and 2009, respectively. See Note 1, “Significant Accounting Policies”, to the
Consolidated Financial Statements for further information regarding the Company’s loan impairment policy.
As of December 31, 2010
(Dollars in millions)
Unpaid
Principal
Balance
Amortized
Cost1
Related
Allowance
Impaired loans with no related allowance recorded:
Commercial loans:
Commercial & industrial $86 $67 $-
Commercial real estate 110 86 -
Commercial construction 67 52 -
Total commercial loans 263 205 -
Impaired loans with an allowance recorded:
Commercial loans:
Commercial & industrial 123 96 18
Commercial real estate 103 81 19
Commercial construction 673 524 138
Total commercial loans 899 701 175
Residential loans:
Residential mortgages - nonguaranteed 2,785 2,467 309
Home equity products 503 503 93
Residential construction 226 196 26
Total residential loans 3,514 3,166 428
Consumer loans:
Other direct 11 11 2
Total impaired loans $4,687 $4,083 $605
1Amortized cost reflects charge-offs that have been recognized plus other amounts that have been applied to
reduce net book balance.
113