Fifth Third Bank 2012 Annual Report Download - page 61

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MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
59 Fifth Third Bancorp
aggregate the LTV ratios for commercial mortgage loans less than $1 million.
TABLE 30: COMMERCIAL MORTGAGE LOANS OUTSTANDING BY LTV, LOANS GREATER THAN $1 MILLION
A
s of December 31, 2012 ($ in millions) LTV > 100% LTV 80-100% LTV ≤ 80%
Commercial mortgage owner-occupied loans $390 302 2,325
Commercial mortgage nonowner-occupied loans 450 605 1,955
Total $840 907 4,280
TABLE 31: COMMERCIAL MORTGAGE LOANS OUTSTANDING BY LTV, LOANS GREATER THAN $1 MILLION
A
s of December 31, 2011($ in millions) LTV > 100% LTV 80-100% LTV ≤ 80%
Commercial mortgage owner-occupied loans $528 419 2,353
Commercial mortgage nonowner-occupied loans 684 734 2,164
Total $1,212 1,153 4,517
The following table provides detail on commercial loan and leases by industry classification (as defined by the North American Industr
y
Classification System), by loan size and by state, illustrating the diversity and granularity of the Bancorp’s commercial loans and leases:
TABLE 32: COMMERCIAL LOAN AND LEASE PORTFOLIO (EXCLUDING LOANS HELD FOR SALE)
2012 2011
A
s of December 31 ($ in millions) Outstanding Exposure Nonaccrual Outstanding Exposure Nonaccrual
By industry:
Manufacturing $ 9,982 18,414 58 $ 9,020 17,065 116
Real estate 5,588 6,840 198 6,274 7,060 299
Financial services and insurance 4,886 12,062 54 4,596 9,975 46
Business services 4,600 6,917 56 3,898 5,976 78
Healthcare 4,079 6,094 14 3,477 5,179 15
W
holesale trade 4,042 7,401 26 3,656 6,796 50
Transportation and warehousing 3,105 4,222 3 2,304 3,152 16
Retail trade 2,624 5,699 38 2,639 5,548 56
Construction 1,995 3,254 105 2,226 3,470 199
Mining 1,683 2,767 - 1,157 1,994 7
Communication and information 1,547 2,631 19 1,128 2,117 3
A
ccommodation and food 1,478 2,160 17 1,127 1,636 22
Other services 1,156 1,517 42 998 1,503 48
Entertainment and recreation 914 1,393 11 874 1,228 18
Utilities 608 2,009 - 564 1,752 -
Public administration 441 693 - 644 886 -
A
gribusiness 376 527 44 425 564 65
Individuals 281 335 12 460 512 20
Other 3 2 - 5 5 -
Total $ 49,388 84,937 697 $ 45,472 76,418 1,058
By loan size:
Less than $200,000 2 % 1 9 2 % 2 7
$200,000 to $1 million 6 5 22 8 6 23
$1 million to $5 million 15 12 28 18 15 32
$5 million to $10 million 11 9 13 12 10 15
$10 million to $25 million 27 25 24 28 25 19
Greater than $25 million 39 48 4 32 42 4
Total 100 % 100 100 100 % 100 100
By state:
Ohio 20 % 24 13 24 % 27 16
Michigan 11 10 17 13 11 22
Illinois 8 8 8 7 8 10
Florida 7 6 19 8 6 17
Indiana 5 5 11 5 5 10
Kentucky 4 3 4 4 4 4
North Carolina 3 3 2 3 3 4
Tennessee 3 3 5 3 3 2
Pennsylvania 3 2 1 2 2 1
A
ll other states 36 36 20 31 31 14
Total 100 % 100 100 100 % 100 100