Huntington National Bank 2015 Annual Report Download - page 61

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Nonperforming assets 168 197 202 182 172
(1) Other nonperforming assets includes certain impaired investment securities.
(2) This ratio is calculated as nonperforming assets divided by the sum of loans and leases, impaired loans held for sale, net other
real estate owned, and other nonperforming assets.
The $61 million, or 18%, increase in NPAs compared with December 31, 2014, primarily reflected:
• $103 million, or 143%, increase in C&I NALs, primarily reflecting the addition of several large oil and gas exploration and
production relationships in the 2015 fourth quarter. The remaining increase is not related to any specific industry or
structure.
Partially offset by:
• $20 million, or 40%, decline in CRE NALs, reflecting improved delinquency trends and successful workout strategies
implemented by our commercial loan workout group.
• $12 million, or 16%, decline in home equity NALs, reflecting improved delinquency trends and moving $8.9 million of
nonaccrual home equity TDRs from loans to loans held for sale.
• $8 million, or 22%, decline in OREO, specifically associated with the sale of residential properties.
The following table reflects period-end accruing loans and leases 90 days or more past due for each of the last five years:
Table 12 - Accruing Past Due Loans and Leases
(dollar amounts in thousands)
At December 31,
2015 2014 2013 2012 2011
Accruing loans and leases past due 90 days or more
Commercial and industrial (1) $ 8,724 $ 4,937 $ 14,562 $ 26,648 $ —
Commercial real estate (2) 9,549 18,793 39,142 56,660 —
Automobile 7,162 5,703 5,055 4,418 6,265
Residential mortgage (excluding loans
guaranteed by the U.S. government) 14,082 33,040 2,469 2,718 45,198
Home equity 9,044 12,159 13,983 18,200 20,198
Other loans and leases 1,394 837 998 1,672 1,988
Total, excl. loans guaranteed by the U.S.
government 49,955 75,469 76,209 110,316 73,649
Add: loans guaranteed by the U.S. government 55,835 55,012 87,985 90,816 96,703
Total accruing loans and leases past due 90 days or
more, including loans guaranteed by the U.S.
government $ 105,790 $ 130,481 $ 164,194 $ 201,132 $ 170,352
Ratios:
Excluding loans guaranteed by the U.S.
government, as a percent of total loans and leases 0.10% 0.16% 0.18% 0.27% 0.19%
Guaranteed by the U.S. government, as a percent
of total loans and leases 0.11 0.12 0.20 0.22 0.25
Including loans guaranteed by the U.S.
government, as a percent of total loans and leases 0.21 0.27 0.38 0.49 0.44
(1) Amounts include Huntington Technology Finance administrative lease delinquencies and accruing purchase impaired loans
related to acquisitions.
(2) Amounts include accruing purchase impaired loans related to acquisitions.
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