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Notes to Consolidated Financial Statements, continued
94
LHFI by credit quality indicator are shown in the tables below:
Commercial Loans
C&I CRE Commercial Construction
(Dollars in millions)
December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
Risk rating:
Pass $65,379 $64,228 $6,067 $6,586 $1,931 $1,196
Criticized accruing 1,375 1,061 158 134 23 14
Criticized nonaccruing 308 151 11 21 —1
Total $67,062 $65,440 $6,236 $6,741 $1,954 $1,211
Residential Loans 1
Residential Mortgages -
Nonguaranteed
Residential
Home Equity Products Residential Construction
(Dollars in millions)
December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
Current FICO score range:
700 and above $20,422 $18,780 $10,772 $11,475 $313 $347
620 - 699 3,262 3,369 1,741 1,991 58 70
Below 620 21,060 1,294 658 798 13 19
Total $24,744 $23,443 $13,171 $14,264 $384 $436
Consumer Loans 3
Other Direct Indirect Credit Cards
(Dollars in millions) December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
December 31,
2015
December 31,
2014
Current FICO score range:
700 and above $5,501 $4,023 $7,015 $7,661 $759 $639
620 - 699 576 476 2,481 2,335 265 212
Below 620 250 74 631 648 62 50
Total $6,127 $4,573 $10,127 $10,644 $1,086 $901
1 Excludes $629 million and $632 million of guaranteed residential loans at December 31, 2015 and 2014, respectively.
2 For substantially all loans with refreshed FICO scores below 620, the borrower’s FICO score at the time of origination exceeded 620 but has since deteriorated as
the loan has seasoned.
3 Excludes $4.9 billion and $4.8 billion of guaranteed student loans at December 31, 2015 and 2014, respectively.