Fifth Third Bank 2011 Annual Report Download - page 58

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MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
56 Fifth Third Bancorp
The Bancorp has identified certain categories of loans which it
believes represent a higher level of risk compared to the rest of the
Bancorp’s loan portfolio, due to economic or market conditions
within the Bancorp’s key lending areas.
The following table provides analysis of each of the categories of loans (excluding loans held for sale) by state as of December 31, 2011 and 2010.
TABLE 30: NON-OWNER OCCUPIED COMMERCIAL REAL ESTATE
A
s of December 31, 2011 ($ in millions)
For the Year Ended
December 31, 2011
90 Days
Net Charge-offs By State: Outstanding Exposure Past Due Nonaccrual
Ohio $1,958 2,125 1 88 64
Michigan 1,443 1,476 1 77 39
Florida 713 740 - 72 44
Illinois 417 499 1 44 31
Indiana 312 316 - 13 6
North Carolina 302 332 - 33 13
A
ll other states 586 650 - 35 14
Total $ 5,731 6,138 3 362 211
TABLE 31: NON-OWNER OCCUPIED COMMERCIAL REAL ESTATE
A
s of December 31, 2010 ($ in millions)
For the Year Ended
December 31, 2010
90 Days
Net Charge-offs By State: Outstanding Exposure Past Due Nonaccrual
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
Indiana 387 419 - 19 32
North Carolina 392 438 - 37 58
A
ll other states 751 823 - 39 48
Total $ 7,060 7,730 5 429 625
TABLE 32: HOME BUILDER AND DEVELOPER
(a)
A
s of December 31, 2011 ($ in millions)
For the Year Ended
December 31, 2011
90 Days
Net Charge-offs By State: Outstanding Exposure Past Due Nonaccrual
Ohio $ 166 234 - 15 22
Michigan 108 128 - 8 7
Florida 64 73 - 27 12
North Carolina 50 56 - 13 7
Indiana 51 56 - 10 3
Illinois 16 27 - 9 4
A
ll other states 57 69 - 14 1
Total $ 512 643 - 96 56
(a) Home Builder and Developer loans, exclusive of commercial and industrial loans with an outstanding balance of
$136
and a total exposure of
$222
are also included in Table 30: Non-Owner
Occupied Commercial Real Estate.
TABLE 33: HOME BUILDER AND DEVELOPER
(a)
A
s of December 31, 2010 ($ in millions)
For the Year Ended
December 31, 2010
90 Days
Net Charge-offs By State: Outstanding Exposure Past Due Nonaccrual
Ohio $ 202 331 - 35 39
Michigan 151 212 1 23 65
Florida 103 117 - 44 81
North Carolina 68 80 - 10 33
Indiana 67 85 - 8 13
A
ll other states 108 159 - 20 43
Total $ 699 984 1 140 274
(a) Home Builder and Developer loans, exclusive of commercial and industrial loans with an outstanding balance of $134 and a total exposure of $319 are also included in Table 31: Non-Owner
Occupied Commercial Real Estate.