Bank of the West 2014 Annual Report Download - page 26

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The following tables present the credit quality of each class of commercial loans and leases based on our internal
risk grading system:
As of December 31, 2014
(dollars in thousands) Pass Special Mention Classified Total
Commercial and industrial $ 8,317,786 $123,722 $113,334 $ 8,554,842
Commercial real estate 11,364,971 303,241 313,710 11,981,922
Construction 1,264,856 35,963 63,554 1,364,373
Equipment financing 3,700,818 24,201 24,631 3,749,650
Agriculture 2,080,922 156,760 34,382 2,272,064
Total commercial $26,729,353 $643,887 $549,611 $27,922,851
As of December 31, 2013
(dollars in thousands) Pass Special Mention Classified Total
Commercial and industrial $ 7,272,593 $167,313 $192,246 $ 7,632,152
Commercial real estate 10,584,371 414,192 430,107 11,428,670
Construction 865,457 51,786 31,050 948,293
Equipment financing 3,064,967 20,378 33,749 3,119,094
Agriculture 2,153,338 124,819 138,006 2,416,163
Total commercial $23,940,726 $778,488 $825,158 $25,544,372
Consumer credit quality indicators
Consumer loans are assessed for credit quality by delinquency status and are placed into one of two categories. The
“Current” category, includes borrowers who are current in their payments in accordance with their contractual terms and
the “Past Due” category, includes borrowers who have missed one or more payments and are past due 30 days or more.
The following table represents the credit quality of each class of consumer loans and leases based on the delinquency
status:
(dollars in thousands)
Residential
Secured–Closed-End
Residential
Secured–Revolving,
Open-End
Installments
and Lines Total
As of December 31, 2014:
Current(1) $6,622,632 $2,231,308 $13,781,884 $22,635,824
Past due 138,253 25,398 99,040 262,691
Total 6,760,885 2,256,706 13,880,924 22,898,515
As of December 31, 2013:
Current(1) 6,771,396 2,057,359 12,643,554 21,472,309
Past due 183,100 21,837 108,113 313,050
Total $6,954,496 $2,079,196 $12,751,667 $21,785,359
(1) Includes loans that are contractually current but on nonaccrual status.
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