SunTrust 2011 Annual Report Download - page 59
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43
especially home equity and residential construction. The overall decline was predominantly driven by payoffs, with current
year net charge-offs and transfers to OREO also contributing to the decline.
Consumer loans increased $4.0 billion, up 25% during the year ended December 31, 2011. Growth occurred across all consumer
loan classes, with government-guaranteed student loans being the largest driver, increasing by $2.9 billion, up 69%, due to
portfolio acquisitions.
Loans Held for Sale
LHFS decreased $1.1 billion, down 33% during the year ended December 31, 2011. The decline was attributable to a reduction
in closed mortgage loan volume, coupled with increased delivery volume to our LHFI portfolio.
Loan Portfolio by Types of Loans (Pre-Adoption)
(Dollars in millions)
Commercial
Real estate:
Home equity lines
Construction
Residential mortgages1
Commercial real estate:
Owner occupied
Investor owned
Consumer:
Direct
Indirect
Credit card
LHFI
LHFS
2011
$40,104
14,287
2,143
32,608
7,753
4,758
9,655
10,164
1,023
$122,495
$2,353
2010
$34,064
15,040
3,848
31,572
8,674
5,868
6,638
9,291
980
$115,975
$3,501
2009
$32,494
15,953
6,647
30,790
8,915
6,159
5,118
6,531
1,068
$113,675
$4,670
2008
$41,040
16,454
9,864
32,066
8,758
6,199
5,139
6,508
970
$126,998
$4,032
Table 6
2007
$35,929
14,912
13,777
32,780
7,948
4,661
3,964
7,494
854
$122,319
$8,852
1For the years ended December 31, 2011, 2010, 2009, 2008, and 2007, includes $431 million, $488 million, $437 million, $239 million, and $221 million,
respectively, of loans carried at fair value.
Selected Loan Maturity Data
(Dollars in millions)
Loan Maturity
Commercial and commercial real estate1
Real estate - construction
Total
Interest Rate Sensitivity
Selected loans with:
Predetermined interest rates
Floating or adjustable interest rates
Total
As of December 31, 2011
Total
$49,233
1,240
$50,473
1 year or less
$24,522
650
$25,172
1-5 years
$22,082
522
$22,604
$5,081
17,523
$22,604
Table 7
After 5 years
$2,629
68
$2,697
$1,677
1,020
$2,697
1Excludes $4.5 billion in lease financing and $936 million in installment loans.