Fifth Third Bank 2012 Annual Report Download - page 105
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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
103 Fifth Third Bancorp
Impaired Loans and Leases
Larger commercial loans included within aggregate borrower
relationship balances exceeding $1 million that exhibit probable or
observed credit weaknesses are subject to individual review for
impairment. The Bancorp also performs an individual review on
loans that are restructured in a troubled debt restructuring. The
Bancorp considers the current value of collateral, credit quality of
any guarantees, the loan structure, and other factors when
evaluating whether an individual loan is impaired. Other factors
may include the geography and industry of the borrower, size and
financial condition of the borrower, cash flow and leverage of the
borrower, and the Bancorp’s evaluation of the borrower’s
management. Smaller balance homogenous loans that are
collectively evaluated for impairment are not included in the
following tables.
The following table summarizes the Bancorp’s impaired loans and leases (by class) that were subject to individual review as of December 31, 2012:
Unpaid
A
s of December 31, 2012 Principal Recorded
($ in millions) Balance Investment Allowance
W
ith a related allowance recorded:
Commercial:
Commercial and industrial loans $ 263 194 65
Commercial mortgage owner-occupied loans 54 43 5
Commercial mortgage nonowner-occupied loans 215 160 16
Commercial construction loans 48 37 5
Commercial leases 8 8 5
Restructured residential mortgage loans 1,067 1,023 137
Restructured consumer:
Home equity 400 396 46
A
utomobile loans 31 30 4
Credit card 74 74 12
Other consumer loans and leases 2 2 -
Total impaired loans with a related allowance $ 2,162 1,967 295
W
ith no related allowance recorded:
Commercial:
Commercial and industrial loans $ 207 169 -
Commercial mortgage owner-occupied loans 107 99 -
Commercial mortgage nonowner-occupied loans 209 199 -
Commercial construction loans 109 67 -
Commercial leases 5 5 -
Restructured residential mortgage loans 326 275 -
Restructured consumer:
Home equity 40 39 -
A
utomobile loans 3 3 -
Total impaired loans with no related allowance 1,006 856 -
Total impaired loans $ 3,168 2,823
(a)
295
(a) Includes
$431
,
$1,175
and
$480
, respectively, of commercial, residential mortgage and consumer TDRs on accrual status;
$177
,
$123
and
$64
, respectively, of commercial, residential mortgage and
consumer TDRs on nonaccrual status.