Huntington National Bank 2012 Annual Report Download - page 133
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125
The following table presents ALLL and AULC activity by portfolio segment for the years ended December 31, 2012, 2011, and
2010:
Commercial Commercial Home Residential Other
and Industrial Real Estate Automobile Equity Mortgage Consumer Total
(dollar amounts in thousands)
Year ended December 31, 2012:
ALLL balance, beginning of
period $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
Loan charge-offs (101,475) (118,051) (26,070) (124,286) (52,228) (33,090) (455,200)
Recoveries of loans
previously charged-off 37,227 39,622 16,628 7,907 4,305 7,049 112,738
Provision for loan and lease
losses 29,932 (24,908) 12,964 91,270 24,046 21,889 155,193
Allowance for loans sold or
transferred to loans held for
sale --- --- (6,825) --- (1,659) --- (8,484)
ALLL balance, end of period $ 241,051 $ 285,369 $ 34,979 $ 118,764 $ 61,658 $ 27,254 $ 769,075
AULC balance, beginning of
period $ 39,658 $ 5,852 $ --- $ 2,134 $ 1 $ 811 $ 48,456
Provision for unfunded loan
commitments and letters of
credit (5,790) (1,112) --- (778) 2 (127) (7,805)
AULC balance, end of period $ 33,868 $ 4,740 $ --- $ 1,356 $ 3 $ 684 $ 40,651
ACL balance, end of period $ 274,919 $ 290,109 $ 34,979 $ 120,120 $ 61,661 $ 27,938 $ 809,726
(dollar amounts in thousands)
Year ended December 31, 2011:
ALLL balance, beginning of
period $ 340,614 $ 588,251 $ 49,488 $ 150,630 $ 93,289 $ 26,736 $ 1,249,008
Loan charge-offs (134,385) (182,759) (33,593) (109,427) (65,069) (32,520) (557,753)
Recoveries of loans
previously charged-off 44,686 34,658 18,526 7,630 8,388 6,776 120,664
Provision for loan and lease
losses 24,452 (51,444) 17,042 95,040 52,226 30,414 167,730
Allowance for loans sold or
transferred to loans held for
sale --- --- (13,181) --- (1,640) --- (14,821)
ALLL balance, end of period $ 275,367 $ 388,706 $ 38,282 $ 143,873 $ 87,194 $ 31,406 $ 964,828
AULC balance, beginning of
period $ 32,726 $ 6,158 $ --- $ 2,348 $ 1 $ 894 $ 42,127
Provision for unfunded loan
commitments and letters of
credit 6,932 (306) --- (214) --- (83) 6,329
AULC balance, end of period $ 39,658 $ 5,852 $ --- $ 2,134 $ 1 $ 811 $ 48,456
ACL balance, end of period $ 315,025 $ 394,558 $ 38,282 $ 146,007 $ 87,195 $ 32,217 $ 1,013,284