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Table 28 — Accruin
g
Past Due Loans and Leases and Accruin
g
Restructured Loan
s
2009 2008 200
7
2006 2005
A
t December 31
,
(
In thousands
)
Accru
i
ng loans and leases past due 90 days or mor
e
C
ommerc
i
a
l
an
di
n
d
ustr
i
a
l
...................
$—
$
10
,
889
$
10
,
474
$
170
$
3
,
32
2
C
ommerc
i
a
l
rea
l
estat
e
.....................
5
9
,
42
5
2
5,
064 1
,
711 —
Res
id
ent
i
a
l
mort
g
a
g
e (exc
l
u
di
n
gl
oans
g
uarantee
d
b
y
the U.S.
g
overnmen
t
...................
7
8,915
71
,55
367
,
391 3
5,555
33
,
73
8
Home equit
y
.............................
53
,
34
3
2
9
,
039 24
,
086 13
,
423 8
,
29
7
O
t
h
er
l
oans an
dl
ease
s
......................
13,400
18,039 13,962 6,6
5
0 10,40
7
Tota
l
,exc
l
.
l
oans guarantee
db
yt
h
e U.S
.
g
overnmen
t
..............................
14
5
,6
5
8
188
,
94
5
140
,
977
5
7
,5
09
55,
76
4
A
dd
:
l
oans
g
uarantee
dby
t
h
e U.S.
g
overnment
.....
101,616
8
2
,5
76
5
1
,
174 31
,
308 32
,
68
9
Total accru
i
n
g
loans and leases past due 90 day
s
or more, includin
g
loans
g
uaranteed by the U.S
.
g
overnmen
t
.............................
$
247
,
27
4
$
271
,
521
$
192
,
151
$
88
,
817
$
88
,
45
3
Exc
l
u
di
n
gl
oans
g
uarantee
dby
t
h
e U.S.
g
overnment
,
as a
p
ercent o
f
tota
ll
oans an
dl
eases
...........
0.40
%
0.46% 0.3
5
% 0.22% 0.23%
Guarantee
dby
t
h
e U.S.
g
overnment, as a percent o
f
tota
ll
oa
n
sa
n
d
l
eases
......................
0.
2
8
0
.2
00
.1
30
.12
0
.1
3
Inc
l
u
di
n
gl
oans
g
uarantee
dby
t
h
e U.S.
g
overnment,
as a
p
ercent o
f
tota
ll
oans an
dl
eases
...........
0.68
0
.
66
0.48 0.34 0.3
6
Accru
i
n
g
restructured loan
s
C
ommercial
(
1
)
...........................
$157
,
04
9
$185
,
333 $1
,
187
,
368 $ — $
A
lt-A mort
g
a
g
e
s
........................
57
,
27
8
3
2
,
336 10
,
085 579
Interest-on
ly
mort
g
a
g
es
...................
7
,890
7
,183 110
Ot
h
er res
id
ent
i
a
l
mort
g
a
g
es
................
1
5
4,4
7
1
43
,
338 21
,
810
6,
917
Tota
l
res
id
ent
i
a
l
mort
g
a
g
e
s
..................
219,639
82
,
8
5
732
,
00
5
7
,
496
O
t
h
er
.
.................................
5
2,8
7
1
41,094
———
Total accru
i
n
g
restructured loans
..............
$
429
,
55
9
$
309
,
284
$
1
,
219
,
373
$
7
,
496
$—
(1) Fran
kli
n
l
oans were reporte
d
as commerc
i
a
l
accru
i
n
g
restructure
dl
oans at Decem
b
er 31, 2007. At
Decem
b
er 31, 2008, Fran
kli
n
l
oans were re
p
orte
d
as nonaccrua
l
commerc
i
a
l
an
di
n
d
ustr
i
a
ll
oans. At
December 31, 2009, nonaccrual Franklin loans were reported as residential mort
g
a
g
e loans, home equit
y
l
oans, an
d
OREO; re
fl
ect
i
n
g
t
h
e 2009
fi
rst quarter restructur
i
n
g.
74