Huntington National Bank 2012 Annual Report Download - page 132
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124
December 31, 2011
90 or more
(dollar amounts in thousands) Past Due Total Loans days past due
30-59 days 60-89 days 90 or more days Total Current and Leases and accruing
Commercial and industrial:
Owner occupied $ 10,607 $ 7,433 $ 58,513 $ 76,553 $ 3,936,203 $ 4,012,756 $ ---
Other commercial and
industrial 32,962 7,579 60,833 101,374 10,585,241 10,686,615 ---
Total commercial and
industrial $ 43,569 $ 15,012 $ 119,346 $ 177,927 $ 14,521,444 $ 14,699,371 $ ---
Commercial real estate:
Retail properties $ 3,090 $ 823 $ 33,952 $ 37,865 $ 1,547,618 $ 1,585,483 $ ---
Multi family 5,022 1,768 28,317 35,107 908,438 943,545 ---
Office 3,134 792 30,041 33,967 990,897 1,024,864 ---
Industrial and
warehouse 2,834 115 18,203 21,152 708,390 729,542 ---
Other commercial real
estate 6,894 3,625 48,739 59,258 1,483,017 1,542,275 ---
Total commercial real estate $ 20,974 $ 7,123 $ 159,252 $ 187,349 $ 5,638,360 $ 5,825,709 $ ---
Automobile $ 42,162 $ 9,046 $ 6,265 $ 57,473 $ 4,399,973 $ 4,457,446 $ 6,265
Home equity:
Secured by first-lien $ 17,260 $ 8,822 $ 29,259 $ 55,341 $ 3,760,238 $ 3,815,579 $ 9,247
Secured by junior-lien 32,334 18,357 31,626 82,317 4,317,517 4,399,834 10,951
Residential mortgage $ 134,228 $ 45,774 $ 204,648 $ 384,650 $ 4,843,626 $ 5,228,276 $ 141,901 (4)
Other consumer $ 7,655 $ 1,502 $ 1,988 $ 11,145 $ 486,423 $ 497,568 $ 1,988
Total loans and leases $ 298,182 $ 105,636 $ 552,384 $ 956,202 $ 37,967,581 $ 38,923,783 $ 170,352
(1)
N
ALs are included in this aging analysis based on the loan's past due status.
(2) All amounts represent accruing purchased credit-impaired loans related to the FDIC-assisted Fidelity Bank acquisition. Under the
applicable accounting guidance (ASC-310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3) Includes $90,816 thousand guaranteed by the U.S. government.
(4) Includes $96,703 thousand guaranteed by the U.S. government.
Allowance for Credit Losses
The ACL is increased through a provision for credit losses that is charged to earnings, based on Management’s quarterly
evaluation, and is reduced by NCOs and the ACL associated with securitized or sold loans. There were no material changes in
assumptions or estimation techniques compared with prior periods that impacted the determination of the current period’s ALLL and
AULC. The impact of the Chapter 7 bankruptcy loans was primarily associated with NALs and NCOs, with minimal impact to the
ALLL.