Huntington National Bank 2012 Annual Report Download - page 146

138
Interest rate reduction 14 $ 305 $ 32 14 $ 1,104 $ 74
Amortization or maturity date
change 27 2,150 (111) 63 445 (21)
Chapter 7 bankruptcy 14 198 --- --- --- ---
Other --- --- --- --- --- ---
Total Other consumer 55 $ 2,653 $ (79) 77 $ 1,549 $ 53
Total new troubled debt
restructurings 7,974 $ 597,425 $ 38,747 3,698 $ 583,439 $ 1,310
(1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower.
(2) Amounts represent the financial impact via provision for loan and lease losses as a result of the modification.
(3) Post-modification balances approximate pre-modification balances. The aggregate amount of charge-offs as a result of a restructuring
are not significant.
(4) Chapter 7 bankruptcy pre-modification balances were impacted by $1.3 million of net charge-offs in 2012.
(5) Chapter 7 bankruptcy pre-modification balances were impacted by $7.9 million of net charge-offs in 2012.
(6) Chapter 7 bankruptcy pre-modification balances were impacted by $3.9 million of net charge-offs in 2012.
(7) Chapter 7 bankruptcy pre-modification balances were impacted by $21.5 million of net charge-offs in 2012.
(8) Chapter 7 bankruptcy pre-modification balances were not significantly impacted by net charge-offs in 2012.
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Any loan within any portfolio or class is considered as payment redefaulted at 90-days past due.
The following table presents TDRs that have redefaulted within one year of modification during the years ended
December 31, 2012 and 2011:
Troubled Debt Restructurings That Have Redefaulted
Within One Year of Modification During The Year Ended
December 31, 2012(1) December 31, 2011(1)
(dollar amounts in thousands) Number of Ending Number of Ending
Contracts Balance Contracts Balance
C&I - Owner occupied:
Interest rate reduction 4 $ 1,390 13 $6,173
Amortization or maturity date change 13 2,380 10 5,201
Other --- --- 2 2,352
Total C&I - Owner occupied 17 $ 3,770 25 $13,726
C&I - Other commercial and industrial:
Interest rate reduction 3 $ 401 1 $ 98
Amortization or maturity date change 14 609 12 10,140
Other 3 387 --- ---
Total C&I - Other commercial and industrial 20 $ 1,397 13 $10,238
CRE - Retail Properties:
Interest rate reduction --- $ --- --- $ ---
Amortization or maturity date change 3 372 --- ---
Other --- --- --- ---
Total CRE - Retail properties 3 $ 372 --- $ ---
CRE - Multi family:
Interest rate reduction 2 $ 1,236 4 $ 1,102
Amortization or maturity date change 2 343 2 456
Other --- --- --- ---
Total CRE - Multi family 4 $ 1,579 6 $ 1,558
CRE - Office:
Interest rate reduction --- $ --- --- $ ---