Fifth Third Bank 2010 Annual Report Download - page 52

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MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
50 Fifth Third Bancorp
Table 26 provides detail on total commercial loan and leases, excluding held-for-sale, by major industry classification (as defined by the North
American Industry Classification System), by loan size and by state, illustrating the diversity and granularity of the Bancorp’s commercial loans
and leases.
The Bancorp has identified certain categories of commercial loans
which it believes represent a higher level of risk, as compared to
the rest of the Bancorp’s commercial loan portfolio, due to
economic or market conditions in the Bancorp’s key lending areas.
Tables 27 – 30 provide analysis of each of the categories of
commercial loans, excluding loans held for sale, as of and for the
years ended December 31, 2010 and 2009.
TABLE 27: NON-OWNER OCCUPIED COMMERCIAL REAL ESTATE
As of December 31, 2010 ($ in millions)
For the Year Ended
December 31, 2010
By State:
Outstanding
Exposure
90 Days
Past Due
Nonaccrual
Net Charge-offs
Ohio $2,332 2,565 2 90 119
Michigan 1,695 1,809 2 85 123
Florida 935 1,022 1 120 180
Illinois 568 654 - 39 65
North Carolina 392 438 - 37 58
Indiana 387 419 - 19 32
All other states 751 823 - 39 48
Total $7,060 7,730 5 429 625
TABLE 26: COMMERCIAL LOAN AND LEASE PORTFOLIO EXPOSURE
2010 2009
As of December 31 ($ in millions) Outstanding Exposure Nonaccrua
l
Outstandin
g
Exposure Nonaccrual
By industry:
Real estate $8,295 9,532 378 10,091 11,622 915
Manufacturing 7,202 14,979 149 6,289 13,093 204
Financial services and insurance 3,830 8,184 78 4,354 8,702 40
Healthcare 3,402 5,421 35 3,004 4,921 67
Business services 3,314 5,379 50 2,643 4,595 49
Wholesale trade 2,926 5,689 18 2,248 4,632 48
Construction 2,789 4,124 242 3,759 5,281 700
Retail trade 2,548 5,377 48 2,678 5,552 104
Transportation and warehousing 2,074 2,566 15 2,503 3,003 51
Other services 1,062 1,473 35 1,127 1,558 33
Communication and information 1,004 1,668 7 792 1,346 8
Accommodation and food 953 1,476 26 1,019 1,505 58
Mining 851 1,443 19 765 1,182 16
Entertainment and recreation 788 1,012 7 740 949 15
Individuals 690 830 10 737 905 19
Public administration 616 848 9 681 877 -
Utilities 595 1,600 - 473 1,310 -
Agribusiness 483 621 85 585 742 59
Other 40 119 3 317 679 6
Total $43,462 72,341 1,214 44,805 72,454 2,392
By loan size:
Less than $200,000 3 % 2 8 3 2 4
$200,000 to $1 million 10 8 25 12 9 18
$1 million to $5 million 21 17 34 26 20 39
$5 million to $10 million 13 11 8 13 11 18
$10 million to $25 million 25 25 19 24 26 17
Greater than $25 million 28 37 6 22 32 4
Total 100 % 100 100 100 100 100
By state:
Ohio 25 % 29 17 28 31 15
Michigan 15 13 22 16 14 18
Illinois 88 88 9 9
Florida 87179 7 26
Indiana 66 76 6 6
Kentucky 54 55 5 4
North Carolina 33 43 3 1
Tennessee 33 12 2 4
Pennsylvania 22 12 2 -
All other states 25 25 18 21 21 17
Total 100 % 100 100 100 100 100