Huntington National Bank 2010 Annual Report Download - page 85
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The table below reflects the allocation of our ACL among our various loan categories during each of the
past five years:
Table 28 — Allocation of Allowances for Credit Losses (1)
2010 2009 2008 2007 2006
At December 31,
(Dollar amounts in thousands)
Commercial
Commercial and industrial . . . . . $ 340,614 34% $ 492,205 35% $412,201 33% $295,555 33% $117,481 30%
Commercial real estate ....... 588,251 18 751,875 21 322,681 25 172,998 23 72,272 17
Total commercial ............ 928,865 52 1,244,080 56 734,882 58 468,553 56 189,753 47
Consumer
Automobile loans and leases . . . 49,488 15 57,951 9 44,712 11 28,635 11 28,400 15
Home equity. ............. 150,630 20 102,039 21 63,538 18 45,957 18 32,572 19
Residential mortgage ........ 93,289 12 55,903 12 44,463 12 20,746 14 13,349 17
Other loans . ............. 26,736 1 22,506 2 12,632 1 14,551 1 7,994 2
Total consumer . ............. 320,143 48 238,399 44 165,345 42 109,889 44 82,315 53
Total allowance for loan and lease
losses .................. 1,249,008 100% 1,482,479 100% 900,227 100% 578,442 100% 272,068 100%
Allowance for unfunded loan
commitments ............. 42,127 48,879 44,139 66,528 40,161
Total allowance for credit losses . . $1,291,135 $1,531,358 $944,366 $644,970 $312,229
(1) Percentages represent the percentage of each loan and lease category to total loans and leases.
NCOs
(This section should be read in conjunction with Significant Item 3.)
Table 29 reflects NCO detail for each of the last five years. Table 30 displays the Franklin-related impacts
for each of the last five years. There were no Franklin-related NCOs in 2006.
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