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2009 Form 10-K : 35
The changes in amount of non-accrual loans and leases for the year ended December 31, 2009 is summarized in the
following table.

  
At or for the Year Ended December 31, 2009     
Balance, beginning of period              
Additions     
Charge-offs     
Transfers to real estate owned or
repossessed equipment     
Return to accrual status     
Payments     
Other, net     
Balance, end of period         
Charge-offs and allowances recorded to date on the December 31, 2009 loan and lease portfolio and the remaining con-
tractual loan balance prior to non-accrual status is summarized in the following table.

   
   
     
     
(Dollars in thousands)    
Consumer    
Commercial    
Leasing and equipment nance    
Inventory nance    
Total at December 31, 2009    
The changes in amount of other real estate owned for the year ended December 31, 2009 is summarized in the following table.
 
At or for the Year Ended December 31, 2009   
Balance, beginning of period     
Transferred from non-accrual status   
Voluntarily surrendered   
Sales of properties   
Writedowns   
Other, net   
Balance, end of period    
The summary of charge-offs and writedowns recorded to date on other real estate owned compared to the contractual loan
balances prior to non-performing status is summarized in the following table.
   
   
    
   
     
     
(Dollars in thousands)    
Residential real estate      
Commercial real estate    
Total at December 31, 2009    