Huntington National Bank 2012 Annual Report Download - page 50

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The table below provides the composition of our total loan and lease portfolio:
Table 9 - Loan and Lease Portfolio Composition
At December 31,
(dollar amounts in millions) 2012 2011 2010 2009 2008
Commercial:(1)
Commercial and industrial $ 16,971 42 %$ 14,699 38 % $ 13,063 34 % $ 12,888 35 % $ 13,541 33 %
Commercial real estate:
Construction 648 2 580 1 650 2 1,469 4 2,080 5
Commercial 4,751 12 5,246 13 6,001 16 6,220 17 8,018 20
Total commercial real estate 5,399 14 5,826 14 6,651 18 7,689 21 10,098 25
Total commercial 22,370 56 20,525 52 19,714 52 20,577 56 23,639 58
Consumer:
Automobile(2) 4,634 11 4,458 11 5,614 15 3,390 9 4,464 11
Home equity 8,335 20 8,215 21 7,713 20 7,563 21 7,557 18
Residential mortgage 4,970 12 5,228 13 4,500 12 4,510 12 4,761 12
Other consumer 419 1 498 3 566 1 751 2 671 1
Total consumer 18,358 44 18,399 48 18,393 48 16,214 44 17,453 42
Total loans and leases $ 40,728 100 %$ 38,924 100 % $ 38,107 100 % $ 36,791 100 % $ 41,092 100 %
(1) As defined by regulatory guidance, there were no commercial loans outstanding that would be considered a concentration of lending to a particular
industry or group of industries.
(2) 2011 included a decrease of $1.3 billion resulting from the transfer of automobile loans to loans held for a sale reflecting an automobile securitization
transaction completed in 2012. 2010 included an increase of $0.5 billion resulting from the adoption of a new accounting standard to consolidate a
previously off-balance sheet automobile loan securitization transaction.
As shown in the table above, our loan portfolio is diversified by consumer and commercial credit. We designate specific loan
types, collateral types, and loan structures as part of our credit concentration policy. C&I lending by segment, specific limits for CRE
primary project types, loans secured by residential real estate, shared national credit exposure, and unsecured lending represent
examples of specifically tracked components of our concentration management process. Our concentration management process is
approved by our board of directors and is one of the strategies utilized to ensure a high quality, well diversified portfolio that is
consistent with our overall objective of maintaining an aggregate moderate-to-low risk profile.
The table below provides our total loan and lease portfolio segregated by the primary type of collateral securing the loan or lease:
Table 10 - Total Loan and Lease Portfolio by Collateral Type
At December 31,
(dollar amounts in millions) 2012 2011 2010 2009 2008
Secured loans:
Real estate - commercial $ 9,128 22 %$ 9,557 25 % $ 10,389 27 % $ 11,286 31 % $ 13,121 32 %
Real estate - consumer 13,305 33 13,444 35 12,214 32 12,176 33 12,318 30
Vehicles 6,659 16 6,021 15 7,134 19 4,600 13 6,063 15
Receivables/Inventory 5,178 13 4,450 11 3,763 10 3,582 10 3,915 10
Machinery/Equipment 2,749 7 1,994 5 1,766 5 1,772 5 1,916 5
Securities/Deposits 826 2 800 2 734 2 1,145 3 862 2
Other 1,090 3 1,018 3 990 2 1,124 2 1,231 2
Total secured loans and leases 38,935 96 37,284 96 36,990 97 35,685 97 39,426 96
Unsecured loans and leases 1,793 4 1,640 4 1,117 3 1,106 3 1,666 4
Total loans and leases $ 40,728 100 %$ 38,924 100 % $ 38,107 100 % $ 36,791 100 % $ 41,092 100 %