SunTrust 2012 Annual Report Download - page 142
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Notes to Consolidated Financial Statements (Continued)
126
The preceding tables represent loans modified under the terms of a TDR during the years ended December 31, 2012 and 2011;
whereas, the following tables represent loans modified as a TDR over longer time periods; as specified in the tables below, that
became 90 days or more delinquent during the years ended December 31, 2012 and 2011, respectively.
Year Ended December 31, 2012 1
(Dollars in millions) Number of Loans Amortized Cost
Commercial loans:
Commercial & industrial 84 $5
Commercial real estate 9 5
Commercial construction 10 7
Residential loans:
Residential mortgages 141 20
Home equity products 164 11
Residential construction 24 3
Consumer loans:
Other direct 4 —
Indirect 43 —
Credit cards 204 1
Total TDRs 683 $52
1For the year ended December 31, 2012, this represents defaults on loans that were first modified between the periods January 1, 2011 and December 31, 2012,
including loans modified under the terms of a TDR that were charged-off during the periods.
Year Ended December 31, 2011 1
(Dollars in millions) Number of Loans Amortized Cost
Commercial loans:
Commercial & industrial 71 $14
Commercial real estate 14 22
Commercial construction 32 28
Residential loans:
Residential mortgages 455 108
Home equity products 220 22
Residential construction 33 7
Consumer loans:
Other direct 10 —
Credit cards 403 3
Total TDRs 1,238 $204
1For the year ended December 31, 2011, this represents defaults on loans that were first modified between the periods January 1, 2010 and December 31, 2011,
including loans modified under the terms of a TDR that were charged-off during the periods.
The majority of loans that were modified and subsequently became 90 days or more delinquent have remained on nonaccrual
status since the time of modification.