Exhibit 99.5
Fourth Quarter 2008 Portfolio Loan and Lease Stratifications
Please refer to earnings release dated January 22, 2009 for further
information including full results reported on a GAAP basis
Fourth Quarter 2008 Portfolio Loan and Lease Stratifications Consumer
2
Brokered home equity ($2.3 billion) Combined loan-to-value (origination) | ||||||||||||||
| <=70% | 70.1-80% | 80.1-90% | 90.1-95% | 95.1 + | Total | |||||||||
Florida | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 3% | |||||||
| NPA + 90+ ratio | 5.2% | 9.6% | 12.2% | 10.7% | 15.6% | 11.3% | ||||||||
| YTD NCO ratio | 17.5% | 6.9% | 14.2% | 25.4% | 26.5% | 17.8% | ||||||||
Michigan | Loans (% of total) | 2% | 3% | 5% | 3% | 7% | 20% | |||||||
| NPA + 90+ ratio | 5.6% | 4.0% | 4.5% | 4.8% | 6.8% | 5.4% | ||||||||
| YTD NCO ratio | 4.2% | 2.8% | 4.5% | 4.8% | 7.6% | 5.4% | ||||||||
Other | Loans (% of total) | 7% | 9% | 17% | 11% | 33% | 76% | |||||||
| NPA + 90+ ratio | 2.8% | 4.1% | 3.5% | 3.9% | 5.8% | 4.5% | ||||||||
| YTD NCO ratio | 2.9% | 2.2% | 2.8% | 3.7% | 5.3% | 3.9% | ||||||||
Total | Loans (% of total) | 10% | 12% | 22% | 15% | 41% | 100% | |||||||
| NPA + 90+ ratio | 3.6% | 4.4% | 4.0% | 4.2% | 6.2% | 4.9% | ||||||||
| YTD NCO ratio | 4.1% | 2.6% | 3.6% | 4.4% | 6.2% | 4.7% | ||||||||
1sts | Loans (% of total) | 4% | 3% | 2% | <1% | 3% | 14% | |||||||
| NPA + 90+ ratio | 3.8% | 7.3% | 9.5% | 8.1% | 12.5% | 7.9% | ||||||||
| YTD NCO ratio | 2.3% | 2.0% | 3.3% | 5.6% | 4.6% | 3.1% | ||||||||
2nds | Loans (% of total) | 6% | 9% | 20% | 14% | 37% | 86% | |||||||
| NPA + 90+ ratio | 3.5% | 3.3% | 3.4% | 4.1% | 5.6% | 4.5% | ||||||||
| YTD NCO ratio | 5.4% | 2.9% | 3.6% | 4.3% | 6.3% | 4.9% | ||||||||
Total | Loans (% of total) | 10% | 12% | 22% | 15% | 41% | 100% | |||||||
| NPA + 90+ ratio | 3.6% | 4.4% | 4.0% | 4.2% | 6.2% | 4.9% | ||||||||
| YTD NCO ratio | 4.1% | 2.6% | 3.6% | 4.4% | 6.2% | 4.7% | ||||||||
HE loans | Loans (% of total) | 2% | 3% | 5% | 3% | 12% | 25% | |||||||
| NPA + 90+ ratio | 6.1% | 6.2% | 5.7% | 4.0% | 7.7% | 6.5% | ||||||||
| YTD NCO ratio | 11.8% | 2.6% | 3.6% | 3.5% | 5.5% | 5.0% | ||||||||
HELOCs | Loans (% of total) | 8% | 9% | 18% | 11% | 28% | 75% | |||||||
| NPA + 90+ ratio | 2.9% | 3.9% | 3.6% | 4.3% | 5.6% | 4.4% | ||||||||
| YTD NCO ratio | 2.0% | 2.6% | 3.6% | 4.6% | 6.5% | 4.6% | ||||||||
Total | Loans (% of total) | 10% | 12% | 22% | 15% | 41% | 100% | |||||||
| NPA + 90+ ratio | 3.6% | 4.4% | 4.0% | 4.2% | 6.2% | 4.9% | ||||||||
| YTD NCO ratio | 4.1% | 2.6% | 3.6% | 4.4% | 6.2% | 4.7% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | 1% | 1% | 4% | |||||||
| NPA + 90+ ratio | 7.2% | 17.3% | 9.8% | 14.3% | 10.4% | 11.3% | ||||||||
| YTD NCO ratio | 13.7% | 13.1% | 8.8% | 6.8% | 9.7% | 9.9% | ||||||||
660-689 | Loans (% of total) | 1% | 1% | 3% | 2% | 5% | 12% | |||||||
| NPA + 90+ ratio | 7.5% | 7.3% | 10.4% | 7.8% | 11.0% | 9.8% | ||||||||
| YTD NCO ratio | 8.8% | 2.9% | 6.0% | 7.0% | 7.7% | 6.9% | ||||||||
690-719 | Loans (% of total) | 1% | 2% | 4% | 3% | 10% | 21% | |||||||
| NPA + 90+ ratio | 4.3% | 4.9% | 5.1% | 4.3% | 8.1% | 6.4% | ||||||||
| YTD NCO ratio | 7.5% | 3.5% | 4.3% | 6.8% | 7.4% | 6.3% | ||||||||
720-749 | Loans (% of total) | 2% | 3% | 5% | 4% | 11% | 23% | |||||||
| NPA + 90+ ratio | 6.5% | 6.5% | 3.3% | 4.1% | 5.3% | 4.9% | ||||||||
| YTD NCO ratio | 5.1% | 3.8% | 3.9% | 3.8% | 6.9% | 5.4% | ||||||||
750+ | Loans (% of total) | 5% | 6% | 9% | 6% | 13% | 39% | |||||||
| NPA + 90+ ratio | 1.2% | 1.7% | 1.3% | 1.9% | 3.1% | 2.0% | ||||||||
| YTD NCO ratio | 0.9% | 0.8% | 1.7% | 2.3% | 3.6% | 2.2% | ||||||||
Other^ | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | <1% | |||||||
| NPA + 90+ ratio | 9.9% | 0.0% | 0.0% | 0.0% | 8.5% | 8.0% | ||||||||
| YTD NCO ratio | 3.3% | 0.0% | 0.0% | 0.0% | 4.7% | 2.9% | ||||||||
Total | Loans (% of total) | 10% | 12% | 22% | 15% | 41% | 100% | |||||||
| NPA + 90+ ratio | 3.6% | 4.4% | 4.0% | 4.2% | 6.2% | 4.9% | ||||||||
| YTD NCO ratio | 4.1% | 2.6% | 3.6% | 4.4% | 6.2% | 4.7% | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
Note: All consumer YTD net charge-off ratios throughout this document are calculated using fourth quarter end of period loan balances Note: Percentages may not sum due to rounding
3
Retail direct home equity ($10.5 billion) Combined loan-to-value (origination) | ||||||||||||||
| <=70% | 70.1-80% | 80.1-90% | 90.1-95% | 95.1 + | Total | |||||||||
Florida | Loans (% of total) | 5% | 2% | 1% | <1% | <1% | 9% | |||||||
| NPA + 90+ ratio | 2.6% | 4.1% | 6.6% | 5.3% | 13.3% | 4.0% | ||||||||
| YTD NCO ratio | 0.7% | 2.4% | 6.1% | 6.9% | 7.0% | 2.2% | ||||||||
Michigan | Loans (% of total) | 9% | 5% | 4% | 2% | 2% | 22% | |||||||
| NPA + 90+ ratio | 2.2% | 2.2% | 3.0% | 4.5% | 4.9% | 2.8% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 2.2% | 2.7% | 3.3% | 1.4% | ||||||||
Other | Loans (% of total) | 28% | 16% | 13% | 5% | 8% | 70% | |||||||
| NPA + 90+ ratio | 1.5% | 1.5% | 1.9% | 2.3% | 2.9% | 1.8% | ||||||||
| YTD NCO ratio | 0.4% | 0.5% | 0.7% | 1.1% | 1.7% | 0.7% | ||||||||
Total | Loans (% of total) | 42% | 22% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 1.9% | 2.5% | 3.0% | 3.7% | 2.2% | ||||||||
| YTD NCO ratio | 0.4% | 0.7% | 1.3% | 1.7% | 2.2% | 1.0% | ||||||||
1sts | Loans (% of total) | 16% | 7% | 3% | 1% | 1% | 27% | |||||||
| NPA + 90+ ratio | 1.4% | 2.2% | 3.5% | 5.8% | 6.4% | 2.0% | ||||||||
| YTD NCO ratio | 0.3% | 0.6% | 1.1% | 0.8% | 2.2% | 0.6% | ||||||||
2nds | Loans (% of total) | 26% | 16% | 15% | 7% | 10% | 73% | |||||||
| NPA + 90+ ratio | 2.0% | 1.8% | 2.3% | 2.7% | 3.5% | 2.3% | ||||||||
| YTD NCO ratio | 0.5% | 0.8% | 1.4% | 1.8% | 2.2% | 1.1% | ||||||||
Total | Loans (% of total) | 42% | 22% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 1.9% | 2.5% | 3.0% | 3.7% | 2.2% | ||||||||
| YTD NCO ratio | 0.4% | 0.7% | 1.3% | 1.7% | 2.2% | 1.0% | ||||||||
HE loans | Loans (% of total) | 6% | 3% | 3% | 1% | 2% | 15% | |||||||
| NPA + 90+ ratio | 2.6% | 2.4% | 2.9% | 3.4% | 3.6% | 2.8% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 1.1% | 1.5% | 2.1% | 1.1% | ||||||||
HELOCs | Loans (% of total) | 36% | 20% | 15% | 6% | 9% | 85% | |||||||
| NPA + 90+ ratio | 1.6% | 1.8% | 2.4% | 2.9% | 3.7% | 2.1% | ||||||||
| YTD NCO ratio | 0.4% | 0.7% | 1.4% | 1.8% | 2.2% | 0.9% | ||||||||
Total | Loans (% of total) | 42% | 22% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 1.9% | 2.5% | 3.0% | 3.7% | 2.2% | ||||||||
| YTD NCO ratio | 0.4% | 0.7% | 1.3% | 1.7% | 2.2% | 1.0% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 4% | |||||||
| NPA + 90+ ratio | 8.0% | 8.5% | 8.0% | 7.8% | 9.8% | 8.3% | ||||||||
| YTD NCO ratio | 1.5% | 3.5% | 3.0% | 4.6% | 5.1% | 3.1% | ||||||||
660-689 | Loans (% of total) | 2% | 2% | 2% | 1% | 1% | 7% | |||||||
| NPA + 90+ ratio | 4.0% | 3.7% | 5.4% | 6.2% | 6.8% | 5.0% | ||||||||
| YTD NCO ratio | 1.2% | 2.1% | 3.1% | 2.5% | 4.8% | 2.6% | ||||||||
690-719 | Loans (% of total) | 3% | 3% | 3% | 1% | 2% | 12% | |||||||
| NPA + 90+ ratio | 2.6% | 3.6% | 4.0% | 4.6% | 4.9% | 3.8% | ||||||||
| YTD NCO ratio | 0.6% | 1.3% | 2.3% | 2.3% | 2.8% | 1.7% | ||||||||
720-749 | Loans (% of total) | 4% | 4% | 4% | 2% | 2% | 16% | |||||||
| NPA + 90+ ratio | 1.2% | 2.2% | 2.7% | 2.4% | 3.2% | 2.2% | ||||||||
| YTD NCO ratio | 0.5% | 0.9% | 1.2% | 1.9% | 2.0% | 1.1% | ||||||||
750+ | Loans (% of total) | 19% | 13% | 9% | 3% | 4% | 49% | |||||||
| NPA + 90+ ratio | 0.6% | 0.8% | 0.9% | 1.5% | 1.6% | 0.8% | ||||||||
| YTD NCO ratio | 0.1% | 0.2% | 0.6% | 1.0% | 0.9% | 0.4% | ||||||||
Other^ | Loans (% of total) | 12% | <1% | <1% | <1% | <1% | 13% | |||||||
| NPA + 90+ ratio | 2.5% | 2.3% | 1.7% | 3.7% | 4.0% | 2.5% | ||||||||
| YTD NCO ratio | 0.7% | 0.0% | 0.3% | 1.0% | 0.4% | 0.7% | ||||||||
Total | Loans (% of total) | 42% | 22% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 1.9% | 2.5% | 3.0% | 3.7% | 2.2% | ||||||||
| YTD NCO ratio | 0.4% | 0.7% | 1.3% | 1.7% | 2.2% | 1.0% | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
4
| Total home equity ($12.8 billion) | ||||||||||||||
| Combined loan-to-value (origination) | ||||||||||||||
| <=70% | 70.1-80% | 80.1-90% | 90.1-95% | 95.1 + | Total | |||||||||
| Florida | Loans (% of total) | 4% | 2% | 1% | <1% | <1% | 8% | |||||||
| NPA + 90+ ratio | 2.7% | 4.6% | 7.3% | 6.2% | 14.2% | 4.5% | ||||||||
| YTD NCO ratio | 1.1% | 2.8% | 7.1% | 10.0% | 14.0% | 3.4% | ||||||||
| Michigan | Loans (% of total) | 7% | 4% | 4% | 2% | 3% | 21% | |||||||
| NPA + 90+ ratio | 2.4% | 2.4% | 3.4% | 4.6% | 5.7% | 3.3% | ||||||||
| YTD NCO ratio | 0.8% | 1.1% | 2.7% | 3.4% | 5.0% | 2.1% | ||||||||
| Other | Loans (% of total) | 24% | 14% | 13% | 6% | 13% | 71% | |||||||
| NPA + 90+ ratio | 1.5% | 1.8% | 2.3% | 2.8% | 4.2% | 2.3% | ||||||||
| YTD NCO ratio | 0.5% | 0.7% | 1.1% | 1.9% | 3.3% | 1.3% | ||||||||
| Total | Loans (% of total) | 36% | 21% | 19% | 9% | 17% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 2.2% | 2.8% | 3.4% | 4.8% | 2.7% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 1.8% | 2.6% | 4.0% | 1.6% | ||||||||
| 1sts | Loans (% of total) | 14% | 6% | 2% | 1% | 1% | 24% | |||||||
| NPA + 90+ ratio | 1.5% | 2.7% | 4.5% | 6.1% | 9.4% | 2.6% | ||||||||
| YTD NCO ratio | 0.5% | 0.8% | 1.5% | 1.5% | 3.4% | 0.8% | ||||||||
| 2nds | Loans (% of total) | 22% | 14% | 16% | 8% | 15% | 76% | |||||||
| NPA + 90+ ratio | 2.1% | 1.9% | 2.5% | 3.2% | 4.4% | 2.7% | ||||||||
| YTD NCO ratio | 0.7% | 1.0% | 1.9% | 2.6% | 4.0% | 1.9% | ||||||||
| Total | Loans (% of total) | 36% | 21% | 19% | 9% | 17% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 2.2% | 2.8% | 3.4% | 4.8% | 2.7% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 1.8% | 2.6% | 4.0% | 1.6% | ||||||||
| HE loans | Loans (% of total) | 5% | 3% | 3% | 2% | 4% | 17% | |||||||
| NPA + 90+ ratio | 2.9% | 3.1% | 3.7% | 3.6% | 5.8% | 3.9% | ||||||||
| YTD NCO ratio | 1.4% | 1.2% | 1.9% | 2.2% | 3.9% | 2.2% | ||||||||
| HELOCs | Loans (% of total) | 31% | 18% | 16% | 7% | 12% | 83% | |||||||
| NPA + 90+ ratio | 1.7% | 2.0% | 2.6% | 3.3% | 4.5% | 2.5% | ||||||||
| YTD NCO ratio | 0.5% | 0.9% | 1.8% | 2.6% | 4.0% | 1.5% | ||||||||
| Total | Loans (% of total) | 36% | 21% | 19% | 9% | 17% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 2.2% | 2.8% | 3.4% | 4.8% | 2.7% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 1.8% | 2.6% | 4.0% | 1.6% | ||||||||
| < 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 4% | |||||||
| NPA + 90+ ratio | 7.9% | 9.5% | 8.4% | 9.9% | 10.0% | 8.9% | ||||||||
| YTD NCO ratio | 2.7% | 4.6% | 4.3% | 5.3% | 6.6% | 4.5% | ||||||||
| 660-689 | Loans (% of total) | 2% | 2% | 2% | 1% | 2% | 8% | |||||||
| NPA + 90+ ratio | 4.3% | 4.1% | 6.7% | 6.8% | 8.8% | 6.2% | ||||||||
| YTD NCO ratio | 1.8% | 2.2% | 3.9% | 4.2% | 6.2% | 3.7% | ||||||||
| 690-719 | Loans (% of total) | 3% | 3% | 3% | 1% | 4% | 13% | |||||||
| NPA + 90+ ratio | 2.7% | 3.8% | 4.3% | 4.5% | 6.5% | 4.5% | ||||||||
| YTD NCO ratio | 1.2% | 1.6% | 2.8% | 3.9% | 5.1% | 3.0% | ||||||||
| 720-749 | Loans (% of total) | 4% | 4% | 4% | 2% | 4% | 17% | |||||||
| NPA + 90+ ratio | 1.6% | 2.8% | 2.9% | 3.0% | 4.2% | 2.9% | ||||||||
| YTD NCO ratio | 0.8% | 1.3% | 1.9% | 2.5% | 4.4% | 2.2% | ||||||||
| 750+ | Loans (% of total) | 16% | 12% | 9% | 4% | 6% | 47% | |||||||
| NPA + 90+ ratio | 0.6% | 0.9% | 1.0% | 1.6% | 2.2% | 1.0% | ||||||||
| YTD NCO ratio | 0.2% | 0.3% | 0.8% | 1.4% | 1.9% | 0.7% | ||||||||
| Other^ | Loans (% of total) | 10% | <1% | <1% | <1% | <1% | 11% | |||||||
| NPA + 90+ ratio | 2.6% | 2.2% | 1.6% | 3.4% | 4.8% | 2.6% | ||||||||
| YTD NCO ratio | 0.7% | 0.0% | 0.2% | 0.9% | 1.3% | 0.7% | ||||||||
| Total | Loans (% of total) | 36% | 21% | 19% | 9% | 17% | 100% | |||||||
| NPA + 90+ ratio | 1.8% | 2.2% | 2.8% | 3.4% | 4.8% | 2.7% | ||||||||
| YTD NCO ratio | 0.6% | 0.9% | 1.8% | 2.6% | 4.0% | 1.6% | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
5
| Total residential mortgage ($9.4 billion) | ||||||||||||||||
| FICO (origination) | ||||||||||||||||
| < 660# | 660-689 | 690-719 | 720-750 | 750+ | Other^ | Total | ||||||||||
| Lots | Loans (% of total) | <1% | 1% | 1% | 1% | 2% | 3% | 8% | ||||||||
| NPA + 90+ ratio | 31.2% | 24.9% | 23.8% | 18.9% | 13.3% | 31.8% | 23.8% | |||||||||
| YTD NCO ratio | 19.2% | 18.2% | 16.4% | 13.4% | 6.8% | 9.2% | 10.9% | |||||||||
| Residential construction Loans (% of total) | <1% | <1% | 1% | <1% | 2% | 1% | 4% | |||||||||
| NPA + 90+ ratio | 0.0% | 2.4% | 0.0% | 0.0% | 0.5% | 3.0% | 1.0% | |||||||||
| YTD NCO ratio | 2.1% | 0.0% | 0.0% | 0.2% | 0.0% | 3.4% | 0.8% | |||||||||
Other non-owner | Loans (% of total) | <1% | <1% | 1% | <1% | 1% | 4% | 7% | ||||||||
| occupied | NPA + 90+ ratio | 37.1% | 32.6% | 26.7% | 28.2% | 18.1% | 25.4% | 25.8% | ||||||||
| YTD NCO ratio | 19.9% | 13.6% | 12.2% | 14.9% | 11.2% | 5.1% | 8.1% | |||||||||
Owner occupied | Loans (% of total) | 9% | 7% | 10% | 11% | 26% | 19% | 82% | ||||||||
| NPA + 90+ ratio | 19.3% | 10.9% | 6.6% | 4.9% | 2.0% | 9.7% | 7.3% | |||||||||
| YTD NCO ratio | 3.1% | 1.9% | 1.5% | 1.1% | 0.6% | 1.4% | 1.3% | |||||||||
| Total | Loans (% of total) | 9% | 8% | 12% | 13% | 30% | 27% | 100% | ||||||||
| NPA + 90+ ratio | 20.0% | 12.6% | 8.4% | 6.7% | 3.2% | 14.5% | 9.7% | |||||||||
| YTD NCO ratio | 4.2% | 3.5% | 3.0% | 2.5% | 1.3% | 2.9% | 2.5% | |||||||||
| Total residential mortgage ($9.4 billion) | ||||||||||||||
| Loan-to-value (origination) | ||||||||||||||
| <=70% | 70.1-80% | 80.1-90% | 90.1-95% | 95.1 + | Total | |||||||||
| Lots | Loans (% of total) | 1% | 2% | 2% | <1% | 2% | 8% | |||||||
| NPA + 90+ ratio | 27.4% | 29.5% | 23.6% | 17.2% | 18.2% | 23.8% | ||||||||
| YTD NCO ratio | 11.8% | 15.5% | 6.0% | 6.5% | 11.0% | 10.9% | ||||||||
| Residential construction | Loans (% of total) | 1% | 2% | 1% | <1% | 0% | 4% | |||||||
| NPA + 90+ ratio | 2.0% | 0.2% | 0.8% | 1.6% | 10.9% | 1.0% | ||||||||
| YTD NCO ratio | 3.1% | 0.1% | 0.1% | 0.0% | 2.2% | 0.8% | ||||||||
Other non-owner | Loans (% of total) | 1% | 3% | 1% | <1% | <1% | 7% | |||||||
| occupied | NPA + 90+ ratio | 14.7% | 22.0% | 41.6% | 36.8% | 29.7% | 25.8% | |||||||
| YTD NCO ratio | 2.9% | 6.9% | 10.6% | 11.6% | 22.2% | 8.1% | ||||||||
Owner occupied | Loans (% of total) | 23% | 34% | 8% | 4% | 13% | 82% | |||||||
| NPA + 90+ ratio | 3.3% | 5.5% | 14.3% | 13.8% | 13.0% | 7.3% | ||||||||
| YTD NCO ratio | 0.4% | 0.9% | 2.8% | 2.3% | 2.9% | 1.3% | ||||||||
| Total | Loans (% of total) | 26% | 41% | 12% | 5% | 16% | 100% | |||||||
| NPA + 90+ ratio | 4.7% | 8.0% | 18.4% | 14.1% | 14.3% | 9.7% | ||||||||
| YTD NCO ratio | 1.1% | 2.2% | 4.1% | 2.8% | 4.7% | 2.5% | ||||||||
| Total residential mortgage ($9.4 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
| Lots | Loans (% of total) | 4% | 1% | 3% | 8% | |||||
| NPA + 90+ ratio | 36.7% | 6.2% | 11.2% | 23.8% | ||||||
| YTD NCO ratio | 20.1% | 1.5% | 1.4% | 10.9% | ||||||
| Residential construction | Loans (% of total) | 1% | 1% | 2% | 4% | |||||
| NPA + 90+ ratio | 1.4% | 1.5% | 0.7% | 1.0% | ||||||
| YTD NCO ratio | 1.2% | 0.7% | 0.8% | 0.8% | ||||||
| Other non-owner | Loans (% of total) | 4% | <1% | 2% | 7% | |||||
| occupied | NPA + 90+ ratio | 29.5% | 22.6% | 19.1% | 25.8% | |||||
| YTD NCO ratio | 8.4% | 16.4% | 6.3% | 8.1% | ||||||
| Owner occupied | Loans (% of total) | 20% | 12% | 49% | 82% | |||||
| NPA + 90+ ratio | 12.7% | 9.3% | 4.6% | 7.3% | ||||||
| YTD NCO ratio | 2.7% | 1.9% | 0.6% | 1.3% | ||||||
| Total | Loans (% of total) | 29% | 14% | 57% | 100% | |||||
| NPA + 90+ ratio | 18.2% | 9.1% | 5.4% | 9.7% | ||||||
| YTD NCO ratio | 5.9% | 2.2% | 0.9% | 2.5% | ||||||
| # | Loans with FICO < 660 include CRA and FHA/VA loans as well as relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
6
| Total auto ($8.6 billion) | ||||||||||||||||
| FICO (origination) | ||||||||||||||||
| < 660 | 660-689 | 690-719 | 720-750 | 750+ | Other^ | Total | ||||||||||
| Auto/Van | Loans (% of total) | 1% | 5% | 9% | 9% | 20% | 1% | 46% | ||||||||
| NPA + 90+ ratio | 1.6% | 1.0% | 0.7% | 0.5% | 0.2% | 1.0% | 0.5% | |||||||||
| YTD NCO ratio | 4.8% | 3.2% | 2.0% | 1.4% | 0.6% | 7.0% | 1.5% | |||||||||
| Small/Med SUV and | Loans (% of total) | 1% | 3% | 6% | 6% | 13% | <1% | 30% | ||||||||
| Compact Pickup | NPA + 90+ ratio | 1.1% | 0.9% | 0.7% | 0.4% | 0.2% | 0.4% | 0.4% | ||||||||
| YTD NCO ratio | 4.3% | 2.9% | 2.0% | 1.2% | 0.4% | 3.0% | 1.3% | |||||||||
| Large SUV/Full Size | Loans (% of total) | 1% | 3% | 5% | 5% | 10% | 1% | 25% | ||||||||
| Pickup | NPA + 90+ ratio | 1.2% | 1.3% | 0.9% | 0.5% | 0.2% | 0.7% | 0.6% | ||||||||
| YTD NCO ratio | 5.3% | 3.5% | 2.5% | 1.6% | 0.6% | 0.8% | 1.7% | |||||||||
| Total | Loans (% of total) | 2% | 11% | 21% | 20% | 44% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 1.3% | 1.1% | 0.8% | 0.5% | 0.2% | 0.7% | 0.5% | |||||||||
| YTD NCO ratio | 4.8% | 3.2% | 2.1% | 1.4% | 0.5% | 3.3% | 1.5% | |||||||||
| New | Loans (% of total) | 1% | 4% | 8% | 9% | 22% | 1% | 45% | ||||||||
| NPA + 90+ ratio | 1.2% | 1.0% | 0.7% | 0.4% | 0.1% | 0.5% | 0.4% | |||||||||
| YTD NCO ratio | 4.3% | 2.7% | 1.7% | 1.0% | 0.3% | 1.1% | 1.0% | |||||||||
| Used | Loans (% of total) | 2% | 7% | 12% | 11% | 22% | 1% | 55% | ||||||||
| NPA + 90+ ratio | 1.4% | 1.1% | 0.8% | 0.5% | 0.3% | 1.1% | 0.6% | |||||||||
| YTD NCO ratio | 5.0% | 3.4% | 2.4% | 1.7% | 0.7% | 6.9% | 1.9% | |||||||||
| Total | Loans (% of total) | 2% | 11% | 21% | 20% | 44% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 1.3% | 1.1% | 0.8% | 0.5% | 0.2% | 0.7% | 0.5% | |||||||||
| YTD NCO ratio | 4.8% | 3.2% | 2.1% | 1.4% | 0.5% | 3.3% | 1.5% | |||||||||
| <=100% advance rate | Loans (% of total) | 1% | 6% | 10% | 10% | 28% | 2% | 56% | ||||||||
| NPA + 90+ ratio | 1.1% | 0.8% | 0.4% | 0.3% | 0.1% | 0.5% | 0.3% | |||||||||
| YTD NCO ratio | 3.6% | 1.9% | 1.1% | 0.7% | 0.2% | 2.3% | 0.8% | |||||||||
| >100% advance rate | Loans (% of total) | 1% | 5% | 11% | 10% | 16% | 1% | 44% | ||||||||
| NPA + 90+ ratio | 1.7% | 1.4% | 1.0% | 0.7% | 0.4% | 1.6% | 0.8% | |||||||||
| YTD NCO ratio | 6.6% | 4.6% | 3.1% | 2.0% | 1.1% | 6.2% | 2.4% | |||||||||
| Total | Loans (% of total) | 2% | 11% | 21% | 20% | 44% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 1.3% | 1.1% | 0.8% | 0.5% | 0.2% | 0.7% | 0.5% | |||||||||
| YTD NCO ratio | 4.8% | 3.2% | 2.1% | 1.4% | 0.5% | 3.3% | 1.5% | |||||||||
| <=60 month term | Loans (% of total) | 1% | 3% | 5% | 5% | 17% | 1% | 32% | ||||||||
| NPA + 90+ ratio | 1.1% | 0.9% | 0.4% | 0.2% | 0.1% | 0.6% | 0.3% | |||||||||
| YTD NCO ratio | 3.8% | 2.2% | 1.2% | 0.7% | 0.2% | 3.0% | 0.9% | |||||||||
| >60 month term | Loans (% of total) | 1% | 8% | 16% | 15% | 27% | 1% | 68% | ||||||||
| NPA + 90+ ratio | 1.5% | 1.1% | 0.9% | 0.6% | 0.3% | 1.0% | 0.6% | |||||||||
| YTD NCO ratio | 5.5% | 3.5% | 2.4% | 1.6% | 0.7% | 3.7% | 1.8% | |||||||||
| Total | Loans (% of total) | 2% | 11% | 21% | 20% | 44% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 1.3% | 1.1% | 0.8% | 0.5% | 0.2% | 0.7% | 0.5% | |||||||||
| YTD NCO ratio | 4.8% | 3.2% | 2.1% | 1.4% | 0.5% | 3.3% | 1.5% | |||||||||
| ^ | Includes acquired loans where FICOs at origination is not available |
7
| Consumer loans by vintage | ||||||||||||||||||||||
| Mortgage | Home equity | |||||||||||||||||||||
| Lot | Resi constr | Other non- owner occ’d | Owner occ’d | Brokered | Direct | Auto | Card | Other | Total | |||||||||||||
| 2008 | Loans (% of total, by loan type) | 2% | 58% | 2% | 16% | 1% | 14% | 46% | 19% | 22% | 21% | |||||||||||
| NPA + 90+ ratio | 5.6% | 0.4% | 3.4% | 1.1% | 0.4% | 0.1% | 0.3% | 2.0% | 0.1% | 0.5% | ||||||||||||
| YTD NCO ratio | 0.6% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.5% | 0.7% | 0.2% | 0.3% | ||||||||||||
| 2007 | Loans (% of total, by loan type) | 13% | 25% | 9% | 19% | 14% | 12% | 25% | 34% | 21% | 18% | |||||||||||
| NPA + 90+ ratio | 10.5% | 1.7% | 22.0% | 5.2% | 2.9% | 1.6% | 0.6% | 5.1% | 0.7% | 2.9% | ||||||||||||
| YTD NCO ratio | 1.6% | 1.2% | 11.7% | 0.7% | 4.0% | 0.6% | 2.5% | 5.5% | 1.8% | 2.0% | ||||||||||||
| 2006 | Loans (% of total, by loan type) | 34% | 12% | 19% | 15% | 33% | 14% | 13% | 12% | 18% | 16% | |||||||||||
| NPA + 90+ ratio | 15.5% | 0.8% | 34.8% | 11.8% | 5.8% | 3.1% | 0.8% | 6.7% | 1.6% | 6.3% | ||||||||||||
| YTD NCO ratio | 7.8% | 2.1% | 10.8% | 2.6% | 6.7% | 1.8% | 2.9% | 7.7% | 2.9% | 3.7% | ||||||||||||
| 2005 | Loans (% of total, by loan type) | 39% | 4% | 38% | 25% | 26% | 14% | 12% | 9% | 16% | 18% | |||||||||||
| NPA + 90+ ratio | 33.8% | 6.4% | 30.0% | 9.2% | 5.0% | 3.1% | 0.5% | 6.3% | 1.0% | 7.6% | ||||||||||||
| YTD NCO ratio | 18.7% | 0.6% | 9.3% | 1.9% | 4.3% | 1.7% | 1.8% | 7.5% | 2.3% | 3.4% | ||||||||||||
| 2004 and prior | Loans (% of total, by loan type) | 12% | 2% | 31% | 26% | 25% | 45% | 4% | 25% | 23% | 26% | |||||||||||
| NPA + 90+ ratio | 31.3% | 1.0% | 17.9% | 8.3% | 5.1% | 2.4% | 0.8% | 6.1% | 2.0% | 4.7% | ||||||||||||
| YTD NCO ratio | 5.4% | 14.2% | 4.6% | 1.2% | 3.0% | 0.8% | 1.7% | 8.4% | 2.7% | 1.7% | ||||||||||||
| Total | Loans (% of total, by loan type) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | |||||||||||
| NPA + 90+ ratio | 23.8% | 1.0% | 25.8% | 7.3% | 4.9% | 2.2% | 0.5% | 5.1% | 1.1% | 4.2% | ||||||||||||
| YTD NCO ratio | 10.9% | 0.8% | 8.1% | 1.3% | 4.7% | 1.0% | 1.5% | 5.8% | 1.9% | 2.1% | ||||||||||||
8
Fourth Quarter 2008 Portfolio Loan and Lease Stratifications Commercial
9
| Total commercial loans ($50.5 billion) | ||||||||||||||
| Florida | Michigan | Other | Total | |||||||||||
Other non-owner | Loans (% of total) | 4 | % | 5 | % | 14 | % | 22 | % | |||||
| NPA ratio | 6.7 | % | 5.4 | % | 6.6 | % | 6.4 | % | ||||||
| YTD NCO ratio | 6.4 | % | 7.7 | % | 2.3 | % | 4.5 | % | ||||||
| Owner-occupied RE | Loans (% of total) | 1 | % | 4 | % | 8 | % | 13 | % | |||||
| NPA ratio | 2.7 | % | 3.2 | % | 2.9 | % | 3.0 | % | ||||||
| YTD NCO ratio | 0.5 | % | 1.8 | % | 0.9 | % | 1.1 | % | ||||||
| C&I | Loans (% of total) | 4 | % | 9 | % | 45 | % | 58 | % | |||||
| NPA ratio | 3.7 | % | 2.1 | % | 1.7 | % | 1.9 | % | ||||||
| YTD NCO ratio | 3.8 | % | 2.3 | % | 2.0 | % | 2.1 | % | ||||||
| Commercial lease | Loans (% of total) | <1 | % | <1 | % | 7 | % | 7 | % | |||||
| NPA ratio | 0.0 | % | 1.6 | % | 0.5 | % | 0.6 | % | ||||||
| YTD NCO ratio | 0.0 | % | 0.1 | % | 0.1 | % | 0.1 | % | ||||||
| Other | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | |||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | ||||||
| YTD NCO ratio | nm | 0.0 | % | nm | nm | |||||||||
| Total | Loans (% of total) | 9 | % | 18 | % | 73 | % | 100 | % | |||||
| NPA ratio | 4.8 | % | 3.1 | % | 2.6 | % | 2.9 | % | ||||||
| YTD NCO ratio | 4.5 | % | 3.7 | % | 1.7 | % | 2.4 | % | ||||||
| C&I | Loans (% of total) | 4 | % | 9 | % | 45 | % | 58 | % | |||||
| NPA ratio | 3.7 | % | 2.1 | % | 1.7 | % | 1.9 | % | ||||||
| YTD NCO ratio | 3.8 | % | 2.3 | % | 2.0 | % | 2.1 | % | ||||||
| Commercial mortgage | Loans (% of total) | 3 | % | 7 | % | 15 | % | 25 | % | |||||
| NPA ratio | 5.8 | % | 3.6 | % | 3.8 | % | 4.0 | % | ||||||
| YTD NCO ratio | 4.1 | % | 2.5 | % | 0.9 | % | 1.9 | % | ||||||
| Commercial construction | Loans (% of total) | 2 | % | 2 | % | 7 | % | 10 | % | |||||
| NPA ratio | 5.2 | % | 7.9 | % | 8.4 | % | 7.8 | % | ||||||
| YTD NCO ratio | 6.2 | % | 14.6 | % | 3.7 | % | 6.2 | % | ||||||
| Commercial lease | Loans (% of total) | <1 | % | <1 | % | 7 | % | 7 | % | |||||
| NPA ratio | 0.0 | % | 1.6 | % | 0.5 | % | 0.6 | % | ||||||
| YTD NCO ratio | 0.0 | % | 0.1 | % | 0.1 | % | 0.1 | % | ||||||
| Other | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | |||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | ||||||
| YTD NCO ratio | nm | 0.0 | % | nm | nm | |||||||||
| Total | Loans (% of total) | 9 | % | 18 | % | 73 | % | 100 | % | |||||
| NPA ratio | 4.8 | % | 3.1 | % | 2.6 | % | 2.9 | % | ||||||
| YTD NCO ratio | 4.5 | % | 3.7 | % | 1.7 | % | 2.4 | % | ||||||
Homebuilders / | Loans (% of total) | 1 | % | 1 | % | 3 | % | 5 | % | |||||
| NPA ratio | 15.1 | % | 17.6 | % | 13.8 | % | 14.7 | % | ||||||
| YTD NCO ratio | 14.3 | % | 26.1 | % | 5.6 | % | 12.7 | % | ||||||
Please refer to earnings release dated January 22, 2009 for further information including full results reported on a GAAP basis
10
| Total commercial loans ($50.5 billion) | |||||||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | |||||||||||||
Other non-owner | Loans (% of total) | <1 | % | 13 | % | 9 | % | <1 | % | 22 | % | ||||||
| NPA ratio | 0.0 | % | 4.8 | % | 8.9 | % | 0.0 | % | 6.4 | % | |||||||
| YTD NCO ratio | 0.0 | % | 2.6 | % | 7.2 | % | 0.0 | % | 4.5 | % | |||||||
| Owner-occupied RE | Loans (% of total) | <1 | % | 11 | % | 2 | % | <1 | % | 13 | % | ||||||
| NPA ratio | 0.0 | % | 3.1 | % | 2.1 | % | 0.0 | % | 3.0 | % | |||||||
| YTD NCO ratio | 0.0 | % | 1.0 | % | 1.9 | % | 0.0 | % | 1.1 | % | |||||||
| C&I | Loans (% of total) | 58 | % | <1 | % | <1 | % | <1 | % | 58 | % | ||||||
| NPA ratio | 1.9 | % | 0.0 | % | 0.0 | % | 0.0 | % | 1.9 | % | |||||||
| YTD NCO ratio | 2.1 | % | 0.0 | % | 0.0 | % | 0.0 | % | 2.1 | % | |||||||
| Commercial lease | Loans (% of total) | <1 | % | <1 | % | <1 | % | 7 | % | 7 | % | ||||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.6 | % | 0.6 | % | |||||||
| YTD NCO ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.1 | % | 0.1 | % | |||||||
| Other | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | ||||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | |||||||
| YTD NCO ratio | 0.0 | % | 41.1 | % | 5.6 | % | 1.1 | % | nm | ||||||||
| Total | Loans (% of total) | 58 | % | 25 | % | 10 | % | 7 | % | 100 | % | ||||||
| NPA ratio | 1.9 | % | 4.0 | % | 7.8 | % | 0.6 | % | 2.9 | % | |||||||
| YTD NCO ratio | 2.1 | % | 1.9 | % | 6.2 | % | 0.0 | % | 2.4 | % | |||||||
Homebuilders / | Loans (% of total) | 1 | % | 2 | % | 3 | % | 0 | % | 5 | % | ||||||
| NPA ratio | 6.3 | % | 15.7 | % | 16.3 | % | 0.0 | % | 14.7 | % | |||||||
| YTD NCO ratio | 8.8 | % | 11.3 | % | 14.4 | % | 4.2 | % | 12.7 | % | |||||||
Please refer to earnings release dated January 22, 2009 for further information including full results reported on a GAAP basis
11
| Total commercial loans ($50.5 billion) | |||||||||||||||||||||||
| Residential raw land | Residential developed land | Residential vertical Land | Commercial raw land | Commercial developed land | Other | Total | |||||||||||||||||
Other non-owner | Loans (% of total) | 1 | % | 1 | % | 3 | % | 1 | % | 1 | % | 14 | % | 22 | % | ||||||||
| NPA ratio | 22.1 | % | 13.5 | % | 12.5 | % | 9.7 | % | 5.2 | % | 2.7 | % | 6.4 | % | |||||||||
| YTD NCO ratio | 14.6 | % | 14.4 | % | 6.4 | % | 2.7 | % | 7.1 | % | 1.5 | % | 4.5 | % | |||||||||
| Owner-occupied RE | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 13 | % | 13 | % | ||||||||
| NPA ratio | 0.0 | % | 61.1 | % | 6.2 | % | 0.0 | % | 2.6 | % | 2.8 | % | 3.0 | % | |||||||||
| YTD NCO ratio | 0.0 | % | 220.2 | % | 5.1 | % | 0.0 | % | 3.3 | % | 0.8 | % | 1.1 | % | |||||||||
| C&I | Loans (% of total) | <1 | % | <1 | % | 1 | % | <1 | % | <1 | % | 57 | % | 58 | % | ||||||||
| NPA ratio | 5.8 | % | 26.5 | % | 4.7 | % | 3.3 | % | 4.8 | % | 1.8 | % | 1.9 | % | |||||||||
| YTD NCO ratio | 1.7 | % | 1.3 | % | 4.7 | % | 0.8 | % | 0.5 | % | 2.1 | % | 2.1 | % | |||||||||
| Commercial lease | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 7 | % | 7 | % | ||||||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.6 | % | 0.6 | % | |||||||||
| YTD NCO ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.1 | % | 0.1 | % | |||||||||
| Other | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | ||||||||
| NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | |||||||||
| YTD NCO ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | nm | nm | |||||||||||
| Total | Loans (% of total) | 1 | % | 1 | % | 5 | % | 1 | % | 1 | % | 90 | % | 100 | % | ||||||||
| NPA ratio | �� | 21.2 | % | 14.9 | % | 10.2 | % | 8.2 | % | 5.1 | % | 2.0 | % | 2.9 | % | ||||||||
| YTD NCO ratio | 13.9 | % | 15.0 | % | 5.9 | % | 2.4 | % | 6.5 | % | 1.7 | % | 2.4 | % | |||||||||
| Florida | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 7 | % | 9 | % | ||||||||
| NPA ratio | 30.6 | % | 15.5 | % | 7.3 | % | 6.8 | % | 3.7 | % | 2.9 | % | 4.8 | % | |||||||||
| YTD NCO ratio | 11.9 | % | 20.6 | % | 4.1 | % | 3.5 | % | 5.9 | % | 2.8 | % | 4.5 | % | |||||||||
| Michigan | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 16 | % | 18 | % | ||||||||
| NPA ratio | 15.9 | % | 24.4 | % | 8.9 | % | 17.7 | % | 2.0 | % | 2.1 | % | 3.1 | % | |||||||||
| YTD NCO ratio | 24.4 | % | 27.8 | % | 11.5 | % | 3.9 | % | 12.8 | % | 2.0 | % | 3.7 | % | |||||||||
| Other | Loans (% of total) | 1 | % | 1 | % | 3 | % | 1 | % | 1 | % | 67 | % | 73 | % | ||||||||
| NPA ratio | 20.1 | % | 11.7 | % | 11.3 | % | 6.3 | % | 6.2 | % | 1.8 | % | 2.6 | % | |||||||||
| YTD NCO ratio | 9.0 | % | 4.1 | % | 4.2 | % | 1.4 | % | 5.7 | % | 1.5 | % | 1.7 | % | |||||||||
| Total | Loans (% of total) | 1 | % | 1 | % | 5 | % | 1 | % | 1 | % | 90 | % | 100 | % | ||||||||
| NPA ratio | 21.2 | % | 14.9 | % | 10.2 | % | 8.2 | % | 5.1 | % | 2.0 | % | 2.9 | % | |||||||||
| YTD NCO ratio | 13.9 | % | 15.0 | % | 5.9 | % | 2.4 | % | 6.5 | % | 1.7 | % | 2.4 | % | |||||||||
Homebuilders / | Loans (% of total) | 1 | % | 1 | % | 2 | % | <1 | % | <1 | % | <1 | % | 5 | % | ||||||||
| NPA ratio | 19.2 | % | 13.3 | % | 14.9 | % | 0.0 | % | 0.0 | % | 4.7 | % | 14.7 | % | |||||||||
| YTD NCO ratio | 13.8 | % | 15.2 | % | 8.0 | % | 0.0 | % | 0.0 | % | 16.4 | % | 12.7 | % | |||||||||
Please refer to earnings release dated January 22, 2009 for further information including full results reported on a GAAP basis
12
| Total commercial loans ($50.5 billion) | ||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | ||||||||
Accommodation | Loans (% of total) | 1% | 1% | <1% | <1% | 2% | ||||||
| NPA ratio | 1.7% | 3.9% | 4.7% | 0.0% | 2.6% | |||||||
| YTD NCO ratio | 1.5% | 0.4% | 6.7% | 0.0% | 1.2% | |||||||
Auto manufacturing | Loans (% of total) | 1% | <1% | <1% | <1% | 1% | ||||||
| NPA ratio | 0.5% | 0.0% | 0.0% | 1.5% | 0.6% | |||||||
| YTD NCO ratio | 0.4% | 4.2% | 0.0% | 0.5% | 0.6% | |||||||
Construction | Loans (% of total) | 3% | 3% | 4% | <1% | 10% | ||||||
| NPA ratio | 4.8% | 13.1% | 14.8% | 5.7% | 11.3% | |||||||
| YTD NCO ratio | 6.2% | 5.6% | 11.7% | 0.0% | 8.3% | |||||||
Finance & insurance | Loans (% of total) | 7% | <1% | <1% | <1% | 7% | ||||||
| NPA ratio | 0.8% | 1.5% | 0.0% | 0.0% | 0.8% | |||||||
| YTD NCO ratio | 2.2% | 1.5% | 0.0% | 0.0% | 2.0% | |||||||
Manufacturing | Loans (% of total) | 11% | 1% | <1% | 1% | 13% | ||||||
| NPA ratio | 1.1% | 3.4% | 0.0% | 1.5% | 1.3% | |||||||
| YTD NCO ratio | 1.2% | 3.4% | 0.0% | 0.8% | 1.3% | |||||||
Real estate | Loans (% of total) | 5% | 13% | 5% | <1% | 23% | ||||||
| NPA ratio | 3.2% | 3.1% | 3.8% | 0.1% | 3.2% | |||||||
| YTD NCO ratio | 2.7% | 1.7% | 3.2% | 0.1% | 2.2% | |||||||
Retail trade | Loans (% of total) | 2% | 1% | <1% | <1% | 3% | ||||||
| NPA ratio | 3.0% | 4.0% | 3.3% | 0.3% | 3.2% | |||||||
| YTD NCO ratio | 1.9% | 1.0% | 4.2% | 0.0% | 1.6% | |||||||
Auto retailers | Loans (% of total) | 3% | 1% | <1% | <1% | 4% | ||||||
| NPA ratio | 5.1% | 3.1% | 7.2% | 0.0% | 4.8% | |||||||
| YTD NCO ratio | 5.4% | 0.6% | 1.5% | 0.0% | 4.6% | |||||||
Wholesale trade | Loans (% of total) | 4% | 1% | <1% | <1% | 5% | ||||||
| NPA ratio | 1.0% | 1.6% | 2.3% | 0.0% | 1.0% | |||||||
| YTD NCO ratio | 1.0% | 0.1% | 0.0% | 0.0% | 0.8% | |||||||
Other | Loans (% of total) | 20% | 5% | 1% | 5% | 31% | ||||||
| NPA ratio | 1.6% | 2.4% | 0.9% | 0.3% | 1.5% | |||||||
| YTD NCO ratio | 1.6% | 0.8% | 0.1% | NM | 1.1% | |||||||
Total | Loans (% of total) | 58% | 25% | 10% | 7% | 100% | ||||||
| NPA ratio | 1.9% | 4.0% | 7.8% | 0.6% | 2.9% | |||||||
| YTD NCO ratio | 2.1% | 1.9% | 6.2% | 0.0% | 2.4% | |||||||
Please refer to earnings release dated January 22, 2009 for further information including full results reported on a GAAP basis
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| Total commercial loans ($50.5 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
Accommodation | Loans (% of total) | <1% | <1% | 1% | 2% | |||||
| NPA ratio | 1.5% | 3.4% | 2.7% | 2.6% | ||||||
| YTD NCO ratio | 0.7% | 1.0% | 1.4% | 1.2% | ||||||
Auto manufacturing | Loans (% of total) | <1% | 1% | 1% | 1% | |||||
| NPA ratio | 0.0% | 0.3% | 0.8% | 0.6% | ||||||
| YTD NCO ratio | 0.0% | 0.4% | 0.7% | 0.6% | ||||||
Construction | Loans (% of total) | 1% | 2% | 7% | 10% | |||||
| NPA ratio | 14.0% | 10.2% | 11.0% | 11.3% | ||||||
| YTD NCO ratio | 10.3% | 15.8% | 5.2% | 8.3% | ||||||
Finance & insurance | Loans (% of total) | 1% | 1% | 6% | 7% | |||||
| NPA ratio | 0.7% | 0.8% | 0.8% | 0.8% | ||||||
| YTD NCO ratio | 2.1% | 1.0% | 2.2% | 2.0% | ||||||
Manufacturing | Loans (% of total) | <1% | 2% | 11% | 13% | |||||
| NPA ratio | 2.6% | 1.1% | 1.3% | 1.3% | ||||||
| YTD NCO ratio | 0.3% | 1.8% | 1.2% | 1.3% | ||||||
Real estate | Loans (% of total) | 3% | 6% | 14% | 23% | |||||
| NPA ratio | 6.0% | 3.3% | 2.5% | 3.2% | ||||||
| YTD NCO ratio | 5.6% | 2.9% | 0.8% | 2.2% | ||||||
Retail trade | Loans (% of total) | <1% | 1% | 2% | 3% | |||||
| NPA ratio | 0.6% | 3.9% | 3.3% | 3.2% | ||||||
| YTD NCO ratio | 1.6% | 2.1% | 1.4% | 1.6% | ||||||
Auto retailers | Loans (% of total) | <1% | 1% | 3% | 4% | |||||
| NPA ratio | 7.4% | 1.7% | 5.2% | 4.8% | ||||||
| YTD NCO ratio | 3.7% | 1.0% | 5.4% | 4.6% | ||||||
Wholesale trade | Loans (% of total) | <1% | 1% | 4% | 5% | |||||
| NPA ratio | 0.0% | 1.3% | 1.1% | 1.0% | ||||||
| YTD NCO ratio | 0.8% | 0.4% | 0.9% | 0.8% | ||||||
Other | Loans (% of total) | 2% | 4% | 25% | 31% | |||||
| NPA ratio | 0.7% | 2.6% | 1.3% | 1.5% | ||||||
| YTD NCO ratio | 1.7% | 2.0% | 0.8% | 1.1% | ||||||
Total | Loans (% of total) | 9% | 18% | 73% | 100% | |||||
| NPA ratio | 4.8% | 3.1% | 2.6% | 2.9% | ||||||
| YTD NCO ratio | 4.5% | 3.7% | 1.7% | 2.4% | ||||||
Please refer to earnings release dated January 22, 2009 for further information including full results reported on a GAAP basis
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FORWARD-LOOKING STATEMENTS
This report may contain forward-looking statements about Fifth Third Bancorp within the meaning of Sections 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, that involve inherent risks and uncertainties. This report may contain certain forward-looking statements with respect to the financial condition, results of operations, plans, objectives, future performance and business of Fifth Third Bancorp including statements preceded by, followed by or that include the words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) general economic conditions and weakening in the economy, specifically the real estate market, either national or in the states in which Fifth Third, does business, are less favorable than expected; (2) deteriorating credit quality; (3) political developments, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain required capital levels and adequate sources of funding and liquidity; (7) changes and trends in capital markets; (8) competitive pressures among depository institutions increase significantly; (9) effects of critical accounting policies and judgments; (10) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies; (11) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, or the businesses in which Fifth Third, is engaged; (12) ability to maintain favorable ratings from rating agencies; (13) fluctuation of Fifth Third’s stock price; (14) ability to attract and retain key personnel; (15) ability to receive dividends from its subsidiaries; (16) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (17) effects of accounting or financial results of one or more acquired entities; (18) difficulties in combining the operations of acquired entities; (19) lower than expected gains related to any potential sale of businesses, (20) loss of income from any potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth (21) ability to secure confidential information through the use of computer systems and telecommunications networks; and (22) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity. Additional information concerning factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements is available in the Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2007, filed with the United States Securities and Exchange Commission (SEC). Copies of this filing are available at no cost on the SEC’s Web site at www.sec.gov or on the Fifth Third’s Web site at www.53.com. Fifth Third undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this report.
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