Wells Fargo 2011 Annual Report Download - page 71
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Table 36: Allocation of the Allowance for Credit Losses (ACL)
December 31,
2011
2010
2009 (1)
2008 (1)
2007
Loans
Loans
Loans
Loans
Loans
as %
as %
as %
as %
as %
of total
of total
of total
of total
of total
(in millions)
ACL
loans
ACL
loans
ACL
loans
ACL
loans
ACL
loans
Commercial:
Commercial and industrial
$
2,649
22
%
$
3,299
20
%
$
4,014
20
%
$
4,129
23
%
$
1,137
24
%
Real estate mortgage
2,550
14
3,072
13
2,398
12
931
11
288
9
Real estate construction
893
2
1,387
4
1,242
5
1,103
5
156
5
Lease financing
82
2
173
2
181
2
135
2
51
2
Foreign
185
5
237
4
306
4
265
4
144
2
Total commercial
6,358
45
8,169
43
8,141
43
6,563
45
1,776
42
Consumer:
Real estate 1-4 family first mortgage
6,934
30
7,603
30
6,449
29
4,938
28
415
19
Real estate 1-4 family
junior lien mortgage
3,897
11
4,557
13
5,430
13
4,496
13
1,329
20
Credit card
1,294
3
1,945
3
2,745
3
2,463
3
834
5
Other revolving credit and installment
1,185
11
1,189
11
2,266
12
3,251
11
1,164
14
Total consumer
13,310
55
15,294
57
16,890
57
15,148
55
3,742
58
Total
$
19,668
100
%
$
23,463
100
%
$
25,031
100
%
$
21,711
100
%
$
5,518
100
%
December 31,
2011
2010
2009
2008
2007
Components:
Allowance for loan losses
$
19,372
23,022
24,516
21,013
5,307
Allowance for unfunded
credit commitments
296
441
515
698
211
Allowance for credit losses
$
19,668
23,463
25,031
21,711
5,518
Allowance for loan losses as a percentage
of total loans
2.52
%
3.04
3.13
2.43
1.39
Allowance for loan losses as a percentage
of total net charge-offs
171
130
135
268
150
Allowance for credit losses as a percentage
of total loans
2.56
3.10
3.20
2.51
1.44
Allowance for credit losses as a percentage
of total nonaccrual loans
92
89
103
319
206
(1)
Certain amounts have been revised from previous presentation to conform with the allocation methodology used in 2011 and to recognize a reclassification of loans from
commercial real estate to commercial construction that occurred on a retrospective basis in 2010.
69