Huntington National Bank 2013 Annual Report Download - page 133

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With an allowance recorded:
Commercial and Industrial: (3)
Owner occupied $ 46,266 $ 56,925 $ 5,730 $ 40,029 $ 1,327
Other commercial and
industrial 40,378 52,996 5,964 65,893 2,304
Total commercial and industrial $ 86,644 $ 109,921 $ 11,694 $ 105,922 $ 3,631
Commercial real estate: (4)
Retail properties $ 65,004 $ 73,000 $ 8,144 $ 107,842 $ 4,730
Multi family 17,410 18,531 2,662 27,953 1,371
Office 40,375 45,164 9,214 18,751 379
Industrial and warehouse 22,450 25,374 1,092 24,454 717
Other commercial real estate 48,174 63,148 10,021 64,778 2,413
Total commercial real estate $ 193,413 $ 225,217 $ 31,133 $ 243,778 $ 9,610
Automobile $ 43,607 $ 44,790 $ 1,446 $ 39,139 $ 3,382
Home equity loans and lines-of-
credit:
Secured by first-lien $ 76,258 $ 80,831 $ 1,329 $ 54,898 $ 2,651
Secured by junior-lien 41,274 63,390 3,454 24,625 1,382
Total home equity $ 117,532 $ 144,221 $ 4,783 $ 79,523 $ 4,033
Residential mortgage:
Residential mortgage $ 374,526 $ 413,583 $ 14,176 $ 345,206 $ 11,420
Total residential mortgage $ 374,526 $ 413,583 $ 14,176 $ 345,206 $ 11,420
Other consumer:
Other consumer $ 2,657 $ 2,657 $ 213 $ 3,826 $ 126
Total other consumer $ 2,657 $ 2,657 $ 213 $ 3,826 $ 126
(1) These tables do not include loans fully charged-off.
(2) All automobile, home equity, residential mortgage, and other consumer impaired loans included in
these tables are considered impaired due to their status as a TDR.
(3) At December 31, 2013, $43,805 thousand of the $126,626 thousand C&I loans with an allowance
recorded were considered impaired due to their status as a TDR. At December 31, 2012, $44,265
thousand of the $86,644 thousand C&I loans with an allowance recorded were considered impaired due
to their status as a TDR.
(4) At December 31, 2013, $24,805 thousand of the $187,836 thousand CRE loans with an allowance
recorded were considered impaired due to their status as a TDR. At December 31, 2012, $31,605
thousand of the $193,413 thousand CRE loans with an allowance recorded were considered impaired
due to their status as a TDR.
(5) The differences between the ending balance and unpaid principal balance amounts represent partial
charge-offs.
(6) At December 31, 2013, $49,225 thousand of the $390,435 thousand residential mortgage loans with an
allowance recorded were guaranteed by the U.S. government. At December 31, 2012, $28,695
thousand of the $374,526 thousand residential mortgage loans with an allowance recorded were
guaranteed by the U.S. government.
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TDR Loans
TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications
are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other
sources. However, not all loan modifications are TDRs.
The amount of interest that would have been recorded under the original terms for total accruing TDR loans was $43.9 million,
$41.2 million, and $37.7 million for 2013, 2012, and 2011, respectively. The total amount of interest recorded to interest income for
these loans was $35.7 million, $32.2 million, and $28.2 million for 2013, 2012, and 2011, respectively.