Exhibit 99.4
Second Quarter 2009 Portfolio Loan and Lease Stratifications
Please refer to earnings release dated July 23, 2009 for further information
including full results including those reported on a GAAP basis
Second Quarter 2009 Portfolio Loan and Lease Stratifications Consumer
2
Brokered home equity ($2.1 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 | 1.7 | % | 10.5 | % | 7.1 | % | 12.2 | % | 8.6 | % | 7.8 | % | ||||||||
YTD NCO ratio | 5.7 | % | 10.8 | % | 27.2 | % | 32.0 | % | 27.3 | % | 19.9 | % | ||||||||
Michigan | Loans (% of total) | 2 | % | 3 | % | 5 | % | 4 | % | 7 | % | 21 | % | |||||||
NPA + 90+ ratio | 1.2 | % | 2.2 | % | 2.6 | % | 2.4 | % | 2.8 | % | 2.4 | % | ||||||||
YTD NCO ratio | 5.7 | % | 6.6 | % | 6.9 | % | 7.8 | % | 10.9 | % | 8.2 | % | ||||||||
Other | Loans (% of total) | 7 | % | 9 | % | 17 | % | 11 | % | 33 | % | 76 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 2.6 | % | 1.8 | % | 1.5 | % | 2.7 | % | 2.2 | % | ||||||||
YTD NCO ratio | 1.8 | % | 3.2 | % | 3.9 | % | 6.0 | % | 7.4 | % | 5.4 | % | ||||||||
Total | Loans (% of total) | 10 | % | 12 | % | 22 | % | 15 | % | 40 | % | 100 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 3.0 | % | 2.1 | % | 1.9 | % | 2.9 | % | 2.4 | % | ||||||||
YTD NCO ratio | 2.9 | % | 4.4 | % | 5.3 | % | 6.9 | % | 8.4 | % | 6.5 | % | ||||||||
1sts | Loans (% of total) | 4 | % | 4 | % | 2 | % | 1 | % | 3 | % | 14 | % | |||||||
NPA + 90+ ratio | 2.5 | % | 4.2 | % | 3.2 | % | 0.5 | % | 4.1 | % | 3.3 | % | ||||||||
YTD NCO ratio | 2.5 | % | 3.2 | % | 3.4 | % | -0.1 | % | 2.8 | % | 2.8 | % | ||||||||
2nds | Loans (% of total) | 6 | % | 9 | % | 20 | % | 14 | % | 37 | % | 86 | % | |||||||
NPA + 90+ ratio | 0.9 | % | 2.5 | % | 2.0 | % | 2.0 | % | 2.7 | % | 2.3 | % | ||||||||
YTD NCO ratio | 3.2 | % | 4.9 | % | 5.6 | % | 7.1 | % | 9.0 | % | 7.1 | % | ||||||||
Total | Loans (% of total) | 10 | % | 12 | % | 22 | % | 15 | % | 40 | % | 100 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 3.0 | % | 2.1 | % | 1.9 | % | 2.9 | % | 2.4 | % | ||||||||
YTD NCO ratio | 2.9 | % | 4.4 | % | 5.3 | % | 6.9 | % | 8.4 | % | 6.5 | % | ||||||||
HE loans | Loans (% of total) | 2 | % | 3 | % | 5 | % | 3 | % | 12 | % | 25 | % | |||||||
NPA + 90+ ratio | 1.8 | % | 3.1 | % | 2.8 | % | 1.9 | % | 3.3 | % | 2.9 | % | ||||||||
YTD NCO ratio | 3.5 | % | 2.3 | % | 4.1 | % | 6.3 | % | 7.3 | % | 5.7 | % | ||||||||
HELOCs | Loans (% of total) | 8 | % | 10 | % | 18 | % | 11 | % | 28 | % | 75 | % | |||||||
NPA + 90+ ratio | 1.5 | % | 3.0 | % | 1.9 | % | 2.0 | % | 2.7 | % | 2.3 | % | ||||||||
YTD NCO ratio | 2.8 | % | 5.0 | % | 5.7 | % | 7.1 | % | 8.9 | % | 6.7 | % | ||||||||
Total | Loans (% of total) | 10 | % | 12 | % | 22 | % | 15 | % | 40 | % | 100 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 3.0 | % | 2.1 | % | 1.9 | % | 2.9 | % | 2.4 | % | ||||||||
YTD NCO ratio | 2.9 | % | 4.4 | % | 5.3 | % | 6.9 | % | 8.4 | % | 6.5 | % | ||||||||
< 660# | Loans (% of total) | 1 | % | 1 | % | 1 | % | 1 | % | 1 | % | 4 | % | |||||||
NPA + 90+ ratio | 4.9 | % | 13.4 | % | 3.7 | % | 4.6 | % | 5.2 | % | 5.7 | % | ||||||||
YTD NCO ratio | 6.7 | % | 5.1 | % | 7.4 | % | 14.2 | % | 12.0 | % | 9.5 | % | ||||||||
660-689 | Loans (% of total) | 1 | % | 1 | % | 3 | % | 2 | % | 5 | % | 12 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 3.6 | % | 2.9 | % | 3.2 | % | 4.0 | % | 3.4 | % | ||||||||
YTD NCO ratio | 5.0 | % | 6.6 | % | 10.1 | % | 9.6 | % | 10.4 | % | 9.5 | % | ||||||||
690-719 | Loans (% of total) | 1 | % | 2 | % | 4 | % | 3 | % | 10 | % | 21 | % | |||||||
NPA + 90+ ratio | 3.3 | % | 4.2 | % | 2.6 | % | 1.6 | % | 3.5 | % | 3.1 | % | ||||||||
YTD NCO ratio | 3.4 | % | 8.3 | % | 6.4 | % | 9.6 | % | 9.0 | % | 8.1 | % | ||||||||
720-749 | Loans (% of total) | 2 | % | 3 | % | 5 | % | 4 | % | 11 | % | 23 | % | |||||||
NPA + 90+ ratio | 0.8 | % | 3.8 | % | 2.2 | % | 1.7 | % | 2.7 | % | 2.4 | % | ||||||||
YTD NCO ratio | 7.2 | % | 6.6 | % | 5.3 | % | 5.0 | % | 9.3 | % | 7.4 | % | ||||||||
750+ | Loans (% of total) | 5 | % | 6 | % | 9 | % | 6 | % | 13 | % | 39 | % | |||||||
NPA + 90+ ratio | 0.8 | % | 1.1 | % | 1.5 | % | 1.5 | % | 1.8 | % | 1.4 | % | ||||||||
YTD NCO ratio | 0.7 | % | 1.5 | % | 3.2 | % | 4.9 | % | 6.2 | % | 3.8 | % | ||||||||
Other^ | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | |||||||
NPA + 90+ ratio | 4.1 | % | 0.0 | % | 0.0 | % | 0.0 | % | 1.0 | % | 3.0 | % | ||||||||
YTD NCO ratio | 3.5 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.2 | % | 2.5 | % | ||||||||
Total | Loans (% of total) | 10 | % | 12 | % | 22 | % | 15 | % | 40 | % | 100 | % | |||||||
NPA + 90+ ratio | 1.6 | % | 3.0 | % | 2.1 | % | 1.9 | % | 2.9 | % | 2.4 | % | ||||||||
YTD NCO ratio | 2.9 | % | 4.4 | % | 5.3 | % | 6.9 | % | 8.4 | % | 6.5 | % | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
| Note: | Consumer net charge-off ratios are calculated using second quarter end of period loan balances |
| Note: | Percentages may not sum due to rounding |
3
Retail direct home equity ($10.4 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 | 1.9% | 2.8% | 3.2% | 3.6% | 11.0% | 2.7% | ||||||||
| YTD NCO ratio | 2.3% | 4.5% | 11.6% | 10.1% | 18.1% | 4.7% | ||||||||
Michigan | Loans (% of total) | 9% | 5% | 4% | 2% | 2% | 21% | |||||||
| NPA + 90+ ratio | 1.0% | 0.9% | 1.6% | 1.0% | 2.1% | 1.2% | ||||||||
| YTD NCO ratio | 1.2% | 2.1% | 2.8% | 5.0% | 4.9% | 2.4% | ||||||||
Other | Loans (% of total) | 28% | 16% | 13% | 5% | 8% | 70% | |||||||
| NPA + 90+ ratio | 0.8% | 0.8% | 1.1% | 1.1% | 1.2% | 0.9% | ||||||||
| YTD NCO ratio | 0.5% | 0.7% | 1.9% | 2.1% | 2.7% | 1.2% | ||||||||
Total | Loans (% of total) | 42% | 23% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.0% | 1.0% | 1.3% | 1.2% | 1.8% | 1.1% | ||||||||
| YTD NCO ratio | 0.9% | 1.3% | 2.7% | 3.1% | 3.7% | 1.7% | ||||||||
1sts | Loans (% of total) | 17% | 7% | 3% | 1% | 1% | 28% | |||||||
| NPA + 90+ ratio | 0.7% | 1.1% | 2.9% | 2.0% | 2.5% | 1.1% | ||||||||
| YTD NCO ratio | 0.6% | 1.0% | 1.2% | 4.8% | 3.3% | 0.9% | ||||||||
2nds | Loans (% of total) | 26% | 16% | 15% | 6% | 10% | 72% | |||||||
| NPA + 90+ ratio | 1.2% | 1.0% | 1.1% | 1.1% | 1.7% | 1.2% | ||||||||
| YTD NCO ratio | 1.1% | 1.5% | 2.9% | 3.0% | 3.7% | 2.1% | ||||||||
Total | Loans (% of total) | 42% | 23% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.0% | 1.0% | 1.3% | 1.2% | 1.8% | 1.1% | ||||||||
| YTD NCO ratio | 0.9% | 1.3% | 2.7% | 3.1% | 3.7% | 1.7% | ||||||||
HE loans | Loans (% of total) | 5% | 2% | 2% | 1% | 2% | 13% | |||||||
| NPA + 90+ ratio | 1.5% | 1.2% | 2.2% | 1.2% | 2.5% | 1.7% | ||||||||
| YTD NCO ratio | 1.1% | 1.2% | 1.7% | 3.1% | 3.0% | 1.7% | ||||||||
HELOCs | Loans (% of total) | 37% | 20% | 15% | 6% | 8% | 87% | |||||||
| NPA + 90+ ratio | 0.9% | 1.0% | 1.2% | 1.2% | 1.6% | 1.1% | ||||||||
| YTD NCO ratio | 0.8% | 1.3% | 2.8% | 3.1% | 3.9% | 1.7% | ||||||||
Total | Loans (% of total) | 42% | 23% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.0% | 1.0% | 1.3% | 1.2% | 1.8% | 1.1% | ||||||||
| YTD NCO ratio | 0.9% | 1.3% | 2.7% | 3.1% | 3.7% | 1.7% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 4% | |||||||
| NPA + 90+ ratio | 5.3% | 3.8% | 3.7% | 3.6% | 5.5% | 4.5% | ||||||||
| YTD NCO ratio | 3.0% | 4.6% | 8.8% | 6.9% | 9.0% | 5.9% | ||||||||
660-689 | Loans (% of total) | 2% | 2% | 2% | 1% | 1% | 7% | |||||||
| NPA + 90+ ratio | 1.1% | 2.4% | 3.1% | 2.3% | 2.5% | 2.2% | ||||||||
| YTD NCO ratio | 2.5% | 2.6% | 6.9% | 7.2% | 5.8% | 4.5% | ||||||||
690-719 | Loans (% of total) | 3% | 3% | 3% | 1% | 2% | 12% | |||||||
| NPA + 90+ ratio | 1.1% | 2.1% | 2.1% | 1.6% | 1.8% | 1.7% | ||||||||
| YTD NCO ratio | 1.0% | 2.1% | 4.0% | 4.6% | 5.2% | 3.0% | ||||||||
720-749 | Loans (% of total) | 4% | 4% | 3% | 1% | 2% | 15% | |||||||
| NPA + 90+ ratio | 0.8% | 1.2% | 1.2% | 1.2% | 1.7% | 1.2% | ||||||||
| YTD NCO ratio | 1.1% | 1.7% | 3.2% | 2.8% | 3.7% | 2.3% | ||||||||
750+ | Loans (% of total) | 19% | 14% | 9% | 3% | 4% | 50% | |||||||
| NPA + 90+ ratio | 0.2% | 0.4% | 0.7% | 0.7% | 1.1% | 0.5% | ||||||||
| YTD NCO ratio | 0.2% | 0.7% | 0.9% | 1.5% | 1.7% | 0.7% | ||||||||
Other^ | Loans (% of total) | 12% | <1% | <1% | <1% | <1% | 13% | |||||||
| NPA + 90+ ratio | 1.7% | 0.5% | 0.1% | 0.0% | 0.0% | 1.7% | ||||||||
| YTD NCO ratio | 1.4% | 0.0% | 0.0% | 1.8% | 2.6% | 1.4% | ||||||||
Total | Loans (% of total) | 42% | 23% | 18% | 7% | 11% | 100% | |||||||
| NPA + 90+ ratio | 1.0% | 1.0% | 1.3% | 1.2% | 1.8% | 1.1% | ||||||||
| YTD NCO ratio | 0.9% | 1.3% | 2.7% | 3.1% | 3.7% | 1.7% | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
| Note: | Consumer net charge-off ratios are calculated using second quarter end of period loan balances |
| Note: | Percentages may not sum due to rounding |
4
Total home equity ($12.5 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% | 8% | |||||||
NPA + 90+ ratio | 1.9% | 3.3% | 3.7% | 5.0% | 10.2% | 3.0% | ||||||||
YTD NCO ratio | 2.4% | 4.9% | 13.5% | 13.5% | 21.3% | 5.7% | ||||||||
Michigan | Loans (% of total) | 7% | 4% | 4% | 2% | 3% | 21% | |||||||
NPA + 90+ ratio | 1.0% | 1.0% | 1.8% | 1.5% | 2.4% | 1.4% | ||||||||
YTD NCO ratio | 1.4% | 2.5% | 3.7% | 5.9% | 7.3% | 3.3% | ||||||||
Other | Loans (% of total) | 25% | 15% | 13% | 6% | 12% | 71% | |||||||
NPA + 90+ ratio | 0.8% | 1.0% | 1.2% | 1.2% | 1.9% | 1.2% | ||||||||
YTD NCO ratio | 0.6% | 1.0% | 2.3% | 3.3% | 4.9% | 1.9% | ||||||||
Total | Loans (% of total) | 37% | 21% | 18% | 8% | 16% | 100% | |||||||
NPA + 90+ ratio | 1.0% | 1.2% | 1.5% | 1.4% | 2.2% | 1.4% | ||||||||
YTD NCO ratio | 1.0% | 1.6% | 3.2% | 4.3% | 5.8% | 2.5% | ||||||||
1sts | Loans (% of total) | 15% | 6% | 3% | 1% | 1% | 25% | |||||||
NPA + 90+ ratio | 0.8% | 1.4% | 2.9% | 1.8% | 3.3% | 1.3% | ||||||||
YTD NCO ratio | 0.6% | 1.2% | 1.6% | 4.1% | 3.0% | 1.1% | ||||||||
2nds | Loans (% of total) | 22% | 15% | 16% | 8% | 14% | 75% | |||||||
NPA + 90+ ratio | 1.2% | 1.1% | 1.3% | 1.4% | 2.2% | 1.4% | ||||||||
YTD NCO ratio | 1.2% | 1.8% | 3.5% | 4.3% | 6.0% | 3.0% | ||||||||
Total | Loans (% of total) | 37% | 21% | 18% | 8% | 16% | 100% | |||||||
NPA + 90+ ratio | 1.0% | 1.2% | 1.5% | 1.4% | 2.2% | 1.4% | ||||||||
YTD NCO ratio | 1.0% | 1.6% | 3.2% | 4.3% | 5.8% | 2.5% | ||||||||
HE loans | Loans (% of total) | 4% | 2% | 3% | 2% | 4% | 15% | |||||||
NPA + 90+ ratio | 1.6% | 1.6% | 2.4% | 1.4% | 2.9% | 2.1% | ||||||||
YTD NCO ratio | 1.2% | 1.4% | 2.4% | 4.2% | 5.4% | 2.8% | ||||||||
HELOCs | Loans (% of total) | 32% | 19% | 16% | 7% | 12% | 85% | |||||||
NPA + 90+ ratio | 0.9% | 1.2% | 1.3% | 1.4% | 2.0% | 1.2% | ||||||||
YTD NCO ratio | 0.9% | 1.7% | 3.3% | 4.3% | 5.9% | 2.5% | ||||||||
Total | Loans (% of total) | 37% | 21% | 18% | 8% | 16% | 100% | |||||||
NPA + 90+ ratio | 1.0% | 1.2% | 1.5% | 1.4% | 2.2% | 1.4% | ||||||||
YTD NCO ratio | 1.0% | 1.6% | 3.2% | 4.3% | 5.8% | 2.5% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 4% | |||||||
NPA + 90+ ratio | 5.3% | 4.9% | 3.7% | 3.9% | 5.4% | 4.7% | ||||||||
YTD NCO ratio | 3.3% | 4.6% | 8.5% | 9.2% | 10.0% | 6.6% | ||||||||
660-689 | Loans (% of total) | 2% | 1% | 2% | 1% | 2% | 8% | |||||||
NPA + 90+ ratio | 1.1% | 2.5% | 3.0% | 2.6% | 3.2% | 2.5% | ||||||||
YTD NCO ratio | 2.7% | 3.1% | 7.8% | 8.1% | 8.0% | 5.8% | ||||||||
690-719 | Loans (% of total) | 3% | 3% | 3% | 1% | 3% | 13% | |||||||
NPA + 90+ ratio | 1.3% | 2.4% | 2.2% | 1.6% | 2.6% | 2.1% | ||||||||
YTD NCO ratio | 1.2% | 3.0% | 4.6% | 6.3% | 7.1% | 4.4% | ||||||||
720-749 | Loans (% of total) | 4% | 4% | 4% | 2% | 4% | 17% | |||||||
NPA + 90+ ratio | 0.8% | 1.5% | 1.4% | 1.4% | 2.2% | 1.5% | ||||||||
YTD NCO ratio | 1.5% | 2.3% | 3.7% | 3.6% | 6.4% | 3.5% | ||||||||
750+ | Loans (% of total) | 17% | 12% | 9% | 4% | 6% | 48% | |||||||
NPA + 90+ ratio | 0.3% | 0.5% | 0.8% | 0.9% | 1.3% | 0.6% | ||||||||
YTD NCO ratio | 0.2% | 0.8% | 1.3% | 2.4% | 3.4% | 1.1% | ||||||||
Other^ | Loans (% of total) | 10% | <1% | <1% | <1% | <1% | 11% | |||||||
NPA + 90+ ratio | 1.8% | 0.5% | 0.1% | 0.0% | 0.2% | 1.7% | ||||||||
YTD NCO ratio | 1.4% | 0.0% | 0.0% | 1.6% | 2.2% | 1.4% | ||||||||
Total | Loans (% of total) | 37% | 21% | 18% | 8% | 16% | 100% | |||||||
NPA + 90+ ratio | 1.0% | 1.2% | 1.5% | 1.4% | 2.2% | 1.4% | ||||||||
YTD NCO ratio | 1.0% | 1.6% | 3.2% | 4.3% | 5.8% | 2.5% | ||||||||
| # | Includes relationship based and private lending |
| ^ | Includes acquired loans where FICOs at origination is not available |
| Note: | Consumer net charge-off ratios are calculated using second quarter end of period loan balances |
| Note: | Percentages may not sum due to rounding |
5
Total residential mortgage ($8.5 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 | 27.3% | 25.4% | 15.3% | 14.9% | 7.6% | 22.7% | 17.0% | |||||||||
| YTD NCO ratio | 16.5% | 25.7% | 17.1% | 13.8% | 9.3% | 20.2% | 16.1% | |||||||||
| Residential | Loans (% of total) | <1% | <1% | <1% | <1% | 1% | <1% | 2% | ||||||||
construction | NPA + 90+ ratio | 0.0% | 9.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.4% | ||||||||
| YTD NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | -2.8% | -0.5% | |||||||||
Other non-owner | Loans (% of total) | <1% | <1% | 1% | <1% | 1% | 4% | 7% | ||||||||
occupied | NPA + 90+ ratio | 34.7% | 31.6% | 28.3% | 21.5% | 12.6% | 23.1% | 23.1% | ||||||||
| YTD NCO ratio | 22.5% | 25.5% | 21.4% | 20.9% | 20.2% | 9.8% | 14.0% | |||||||||
Owner occupied | Loans (% of total) | 9% | 7% | 11% | 11% | 26% | 19% | 84% | ||||||||
| NPA + 90+ ratio | 10.6% | 10.8% | 6.6% | 4.5% | 2.3% | 9.7% | 6.5% | |||||||||
| YTD NCO ratio | 5.0% | 4.2% | 2.8% | 2.0% | 1.1% | 3.0% | 2.6% | |||||||||
Total | Loans (% of total) | 10% | 8% | 12% | 13% | 30% | 27% | 100% | ||||||||
| NPA + 90+ ratio | 11.8% | 12.6% | 8.0% | 5.8% | 2.9% | 13.2% | 8.3% | |||||||||
| YTD NCO ratio | 5.9% | 6.4% | 4.5% | 3.5% | 2.2% | 5.9% | 4.3% |
Total residential mortgage ($8.5 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% | 3% | 8% | |||||||
| NPA + 90+ ratio | 23.3% | 25.4% | 14.8% | 8.3% | 10.4% | 17.0% | ||||||||
| YTD NCO ratio | 21.2% | 26.3% | 13.2% | 5.3% | 9.4% | 16.1% | ||||||||
| Residential construction | Loans (% of total) | 1% | 1% | <1% | <1% | <1% | 2% | |||||||
| NPA + 90+ ratio | 0.0% | 0.8% | 0.0% | 0.0% | 0.0% | 0.4% | ||||||||
| YTD NCO ratio | 0.0% | -1.0% | 0.0% | 0.0% | 0.0% | -0.5% | ||||||||
| Other non-owner | Loans (% of total) | 1% | 3% | 1% | <1% | <1% | 7% | |||||||
| occupied | NPA + 90+ ratio | 15.8% | 21.9% | 35.1% | 25.7% | 14.2% | 23.1% | |||||||
| YTD NCO ratio | 7.7% | 13.1% | 19.9% | 8.7% | 25.3% | 14.0% | ||||||||
| Owner occupied | Loans (% of total) | 23% | 35% | 8% | 5% | 13% | 84% | |||||||
| NPA + 90+ ratio | 4.5% | 5.7% | 12.0% | 11.4% | 6.9% | 6.5% | ||||||||
| YTD NCO ratio | 1.1% | 1.9% | 5.7% | 4.8% | 4.1% | 2.6% | ||||||||
| Total | Loans (% of total) | 26% | 41% | 11% | 5% | 16% | 100% | |||||||
| NPA + 90+ ratio | 5.7% | 8.0% | 15.0% | 11.6% | 7.6% | 8.3% | ||||||||
| YTD NCO ratio | 2.2% | 4.0% | 8.6% | 4.9% | 5.4% | 4.3% |
Total residential mortgage ($8.5 billion)
| Florida | Michigan | Other | Total | |||||||
| Lots | Loans (% of total) | 4% | 1% | 3% | 8% | |||||
| NPA + 90+ ratio | 27.4% | 5.6% | 7.5% | 17.0% | ||||||
| YTD NCO ratio | 28.2% | 3.4% | 5.1% | 16.1% | ||||||
| Residential | Loans (% of total) | <1% | <1% | 1% | 2% | |||||
| NPA + 90+ ratio | 0.0% | 0.0% | 0.6% | 0.4% | ||||||
| YTD NCO ratio | 0.0% | 0.0% | -0.7% | -0.5% | ||||||
| Other non-owner | Loans (% of total) | 4% | <1% | 2% | 7% | |||||
| occupied | NPA + 90+ ratio | 27.6% | 24.1% | 14.4% | 23.1% | |||||
| YTD NCO ratio | 16.3% | 24.5% | 8.0% | 14.0% | ||||||
| Owner occupied | Loans (% of total) | 21% | 13% | 50% | 84% | |||||
| NPA + 90+ ratio | 11.6% | 5.6% | 4.5% | 6.5% | ||||||
| YTD NCO ratio | 5.2% | 2.9% | 1.3% | 2.6% | ||||||
| Total | Loans (% of total) | 29% | 14% | 56% | 100% | |||||
| NPA + 90+ ratio | 15.8% | 5.9% | 5.0% | 8.3% | ||||||
| YTD NCO ratio | 9.7% | 3.4% | 1.8% | 4.3% |
| # | 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 |
| Note: | Consumer net charge-off ratios are calculated using second quarter end of period loan balances |
| Note: | Percentages may not sum due to rounding |
6
Total auto ($8.7 billion)
FICO (origination)
| < 660 | 660-689 | 690-719 | 720-750 | 750+ | Other^ | Total | |||||||||||||||||
Auto/Van | Loans (% of total) | 1 | % | 4 | % | 8 | % | 9 | % | 19 | % | 1 | % | 41 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 0.9 | % | 0.6 | % | 0.5 | % | 0.1 | % | 0.4 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 5.1 | % | 3.9 | % | 2.6 | % | 1.7 | % | 0.7 | % | 3.3 | % | 1.7 | % | |||||||||
Small/Med SUV and | Loans (% of total) | <1 | % | 3 | % | 5 | % | 6 | % | 13 | % | <1 | % | 27 | % | ||||||||
Compact Pickup | NPA + 90+ ratio | 1.2 | % | 0.8 | % | 0.6 | % | 0.4 | % | 0.1 | % | 0.4 | % | 0.4 | % | ||||||||
| YTD NCO ratio | 4.6 | % | 3.0 | % | 2.4 | % | 1.4 | % | 0.6 | % | 1.3 | % | 1.4 | % | |||||||||
Large SUV/Full Size Pickup | Loans (% of total) | <1 | % | 2 | % | 5 | % | 5 | % | 9 | % | 1 | % | 22 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 1.0 | % | 0.7 | % | 0.4 | % | 0.2 | % | 0.7 | % | 0.5 | % | |||||||||
| YTD NCO ratio | 3.1 | % | 4.0 | % | 2.6 | % | 1.6 | % | 0.7 | % | 1.9 | % | 1.8 | % | |||||||||
Other | Loans (% of total) | <1 | % | 1 | % | 1 | % | 2 | % | 5 | % | 1 | % | 9 | % | ||||||||
| NPA + 90+ ratio | 0.8 | % | 1.3 | % | 1.5 | % | 0.7 | % | 0.4 | % | 2.2 | % | 0.9 | % | |||||||||
| YTD NCO ratio | 8.5 | % | 6.1 | % | 5.4 | % | 4.6 | % | 1.7 | % | 11.7 | % | 4.0 | % | |||||||||
Total | Loans (% of total) | 2 | % | 9 | % | 20 | % | 21 | % | 45 | % | 2 | % | 100 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 0.9 | % | 0.7 | % | 0.5 | % | 0.2 | % | 0.9 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 5.1 | % | 3.8 | % | 2.7 | % | 1.8 | % | 0.8 | % | 4.4 | % | 1.9 | % | |||||||||
New | Loans (% of total) | 1 | % | 4 | % | 9 | % | 9 | % | 24 | % | 1 | % | 47 | % | ||||||||
| NPA + 90+ ratio | 0.9 | % | 0.9 | % | 0.6 | % | 0.4 | % | 0.1 | % | 0.6 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 4.7 | % | 3.2 | % | 2.4 | % | 1.7 | % | 0.6 | % | 2.1 | % | 1.4 | % | |||||||||
Used | Loans (% of total) | 1 | % | 6 | % | 11 | % | 11 | % | 22 | % | 1 | % | 53 | % | ||||||||
| NPA + 90+ ratio | 1.2 | % | 0.9 | % | 0.8 | % | 0.5 | % | 0.2 | % | 1.3 | % | 0.5 | % | |||||||||
| YTD NCO ratio | 5.4 | % | 4.2 | % | 3.0 | % | 2.0 | % | 1.1 | % | 7.4 | % | 2.3 | % | |||||||||
Total | Loans (% of total) | 2 | % | 9 | % | 20 | % | 21 | % | 45 | % | 2 | % | 100 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 0.9 | % | 0.7 | % | 0.5 | % | 0.2 | % | 0.9 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 5.1 | % | 3.8 | % | 2.7 | % | 1.8 | % | 0.8 | % | 4.4 | % | 1.9 | % | |||||||||
<=100% advance rate | Loans (% of total) | 1 | % | 5 | % | 10 | % | 10 | % | 29 | % | 2 | % | 57 | % | ||||||||
| NPA + 90+ ratio | 1.0 | % | 0.7 | % | 0.5 | % | 0.3 | % | 0.1 | % | 0.9 | % | 0.3 | % | |||||||||
| YTD NCO ratio | 4.5 | % | 2.6 | % | 1.7 | % | 1.2 | % | 0.4 | % | 4.2 | % | 1.2 | % | |||||||||
>100% advance rate | Loans (% of total) | 1 | % | 4 | % | 10 | % | 11 | % | 17 | % | 1 | % | 43 | % | ||||||||
| NPA + 90+ ratio | 1.3 | % | 1.3 | % | 0.8 | % | 0.6 | % | 0.3 | % | 1.2 | % | 0.6 | % | |||||||||
| YTD NCO ratio | 6.3 | % | 5.4 | % | 3.7 | % | 2.5 | % | 1.5 | % | 5.1 | % | 2.8 | % | |||||||||
Total | Loans (% of total) | 2 | % | 9 | % | 20 | % | 21 | % | 45 | % | 2 | % | 100 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 0.9 | % | 0.7 | % | 0.5 | % | 0.2 | % | 0.9 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 5.1 | % | 3.8 | % | 2.7 | % | 1.8 | % | 0.8 | % | 4.4 | % | 1.9 | % | |||||||||
<=60 month term | Loans (% of total) | 1 | % | 2 | % | 4 | % | 5 | % | 15 | % | 1 | % | 28 | % | ||||||||
| NPA + 90+ ratio | 0.9 | % | 0.7 | % | 0.4 | % | 0.2 | % | 0.1 | % | 0.6 | % | 0.2 | % | |||||||||
| YTD NCO ratio | 4.2 | % | 2.7 | % | 1.5 | % | 0.8 | % | 0.3 | % | 3.1 | % | 0.9 | % | |||||||||
>60 month term | Loans (% of total) | 1 | % | 7 | % | 16 | % | 16 | % | 30 | % | 1 | % | 72 | % | ||||||||
| NPA + 90+ ratio | 1.2 | % | 1.0 | % | 0.8 | % | 0.5 | % | 0.2 | % | 1.2 | % | 0.5 | % | |||||||||
| YTD NCO ratio | 5.6 | % | 4.2 | % | 3.0 | % | 2.2 | % | 1.1 | % | 5.8 | % | 2.2 | % | |||||||||
Total | Loans (% of total) | 2 | % | 9 | % | 20 | % | 21 | % | 45 | % | 2 | % | 100 | % | ||||||||
| NPA + 90+ ratio | 1.1 | % | 0.9 | % | 0.7 | % | 0.5 | % | 0.2 | % | 0.9 | % | 0.4 | % | |||||||||
| YTD NCO ratio | 5.1 | % | 3.8 | % | 2.7 | % | 1.8 | % | 0.8 | % | 4.4 | % | 1.9 | % |
^ Includes acquired loans where FICOs at origination is not available
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding
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 | |||||||||||||||||||||||
2009 | Loans (% of total, by loan type) | <1 | % | 5 | % | <1 | % | 3 | % | 0 | % | 3 | % | 21 | % | 11 | % | <1 | % | 8 | % | |||||||||||
| NPA + 90+ ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.4 | % | 0.0 | % | 0.0 | % | 0.1 | % | 0.1 | % | 0.0 | % | 0.1 | % | ||||||||||||
| YTD NCO ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.1 | % | 0.0 | % | 0.0 | % | 0.1 | % | ||||||||||||
2008 | Loans (% of total, by loan type) | 2 | % | 65 | % | 2 | % | 15 | % | 1 | % | 14 | % | 34 | % | 18 | % | 44 | % | 19 | % | |||||||||||
| NPA + 90+ ratio | 5.2 | % | 0.0 | % | 5.3 | % | 3.4 | % | 0.2 | % | 0.3 | % | 0.4 | % | 4.7 | % | 0.1 | % | 1.1 | % | ||||||||||||
| YTD NCO ratio | 1.2 | % | 0.0 | % | 10.5 | % | 1.0 | % | 0.9 | % | 0.5 | % | 1.8 | % | 6.5 | % | 0.4 | % | 1.6 | % | ||||||||||||
2007 | Loans (% of total, by loan type) | 13 | % | 20 | % | 10 | % | 18 | % | 14 | % | 12 | % | 19 | % | 30 | % | 27 | % | 17 | % | |||||||||||
| NPA + 90+ ratio | 8.4 | % | 0.0 | % | 25.9 | % | 6.5 | % | 1.9 | % | 1.1 | % | 0.6 | % | 7.5 | % | 0.2 | % | 3.3 | % | ||||||||||||
| YTD NCO ratio | 13.5 | % | 0.0 | % | 27.4 | % | 3.0 | % | 4.0 | % | 1.9 | % | 2.6 | % | 11.0 | % | 2.1 | % | 3.9 | % | ||||||||||||
2006 | Loans (% of total, by loan type) | 35 | % | 6 | % | 18 | % | 15 | % | 33 | % | 14 | % | 11 | % | 11 | % | 13 | % | 15 | % | |||||||||||
| NPA + 90+ ratio | 14.2 | % | 6.6 | % | 30.5 | % | 11.0 | % | 3.0 | % | 1.8 | % | 0.7 | % | 8.9 | % | 0.2 | % | 5.3 | % | ||||||||||||
| YTD NCO ratio | 14.1 | % | -7.8 | % | 23.2 | % | 4.7 | % | 9.6 | % | 4.0 | % | 3.1 | % | 11.7 | % | 4.5 | % | 6.1 | % | ||||||||||||
2005 | Loans (% of total, by loan type) | 39 | % | 3 | % | 39 | % | 24 | % | 26 | % | 14 | % | 9 | % | 8 | % | 13 | % | 16 | % | |||||||||||
| NPA + 90+ ratio | 21.3 | % | 0.0 | % | 28.1 | % | 7.2 | % | 2.3 | % | 1.3 | % | 0.5 | % | 8.2 | % | 0.4 | % | 5.6 | % | ||||||||||||
| YTD NCO ratio | 20.6 | % | 0.0 | % | 12.5 | % | 3.1 | % | 7.1 | % | 2.7 | % | 2.1 | % | 9.9 | % | 3.0 | % | 4.7 | % | ||||||||||||
2004 & prior | Loans (% of total, by loan type) | 12 | % | 2 | % | 31 | % | 26 | % | 26 | % | 43 | % | 6 | % | 22 | % | 3 | % | 25 | % | |||||||||||
| NPA + 90+ ratio | 22.7 | % | 0.0 | % | 13.2 | % | 5.6 | % | 2.3 | % | 1.2 | % | 0.8 | % | 7.6 | % | 0.6 | % | 3.1 | % | ||||||||||||
| YTD NCO ratio | 12.8 | % | 0.0 | % | 6.8 | % | 1.7 | % | 3.4 | % | 1.4 | % | 3.6 | % | 10.0 | % | 3.3 | % | 2.4 | % | ||||||||||||
Total | Loans (% of total, by loan type) | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | |||||||||||
| NPA + 90+ ratio | 17.0 | % | 0.4 | % | 23.1 | % | 6.5 | % | 2.4 | % | 1.1 | % | 0.4 | % | 6.5 | % | 0.2 | % | 3.2 | % | ||||||||||||
| YTD NCO ratio | 16.1 | % | -0.5 | % | 14.0 | % | 2.6 | % | 6.5 | % | 1.7 | % | 1.9 | % | 8.8 | % | 1.8 | % | 3.2 | % | ||||||||||||
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding
8
Second Quarter 2009 Portfolio Loan and Lease Stratifications Commercial
9
| Total commercial loans ($48.8 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
| Other non-owner occupied | Loans (% of total) | 4% | 4% | 13% | 22% | |||||
| RE | NPA ratio | 19.7% | 7.9% | 11.0% | 11.8% | |||||
| YTD NCO ratio | 9.8% | 4.6% | 3.8% | 5.0% | ||||||
| Owner-occupied RE | Loans (% of total) | 1% | 4% | 8% | 13% | |||||
| NPA ratio | 7.1% | 4.7% | 3.8% | 4.4% | ||||||
| YTD NCO ratio | 0.7% | 2.3% | 1.3% | 1.5% | ||||||
| C&I | Loans (% of total) | 4% | 10% | 45% | 58% | |||||
NPA ratio | 4.1% | 2.1% | 2.1% | 2.2% | ||||||
YTD NCO ratio | 5.0% | 2.4% | 1.6% | 2.0% | ||||||
| Commercial lease | Loans (% of total) | <1% | <1% | 7% | 7% | |||||
NPA ratio | 0.0% | 2.0% | 1.4% | 1.5% | ||||||
YTD NCO ratio | 0.0% | 0.2% | NM | 0.0% | ||||||
| Other | Loans (% of total) | <1% | <1% | <1% | <1% | |||||
NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
YTD NCO ratio | 0.0% | 0.0% | NM | NM | ||||||
| Total | Loans (% of total) | 9% | 18% | 73% | 100% | |||||
NPA ratio | 11.0% | 4.0% | 3.9% | 4.5% | ||||||
YTD NCO ratio | 6.3% | 2.9% | 1.9% | 2.4% | ||||||
| C&I | Loans (% of total) | 4% | 10% | 45% | 58% | |||||
NPA ratio | 4.1% | 2.1% | 2.1% | 2.2% | ||||||
YTD NCO ratio | 5.0% | 2.4% | 1.6% | 2.0% | ||||||
| Commercial mortgage | Loans (% of total) | 3% | 7% | 15% | 25% | |||||
NPA ratio | 11.8% | 5.2% | 5.7% | 6.4% | ||||||
YTD NCO ratio | 5.1% | 2.8% | 2.0% | 2.6% | ||||||
| Commercial construction | Loans (% of total) | 2% | 1% | 6% | 9% | |||||
NPA ratio | 24.5% | 12.7% | 14.9% | 16.4% | ||||||
YTD NCO ratio | 11.3% | 7.1% | 5.1% | 6.5% | ||||||
| Commercial lease | Loans (% of total) | <1% | <1% | 7% | 7% | |||||
NPA ratio | 0.0% | 2.0% | 1.4% | 1.5% | ||||||
YTD NCO ratio | 0.0% | 0.2% | NM | 0.0% | ||||||
| Other | Loans (% of total) | <1% | <1% | <1% | <1% | |||||
NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
YTD NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
| Total | Loans (% of total) | 9% | 18% | 73% | 100% | |||||
NPA ratio | 11.0% | 4.0% | 3.9% | 4.5% | ||||||
YTD NCO ratio | 6.3% | 2.9% | 1.9% | 2.4% | ||||||
| Homebuilders / developers (included in #’s above) | Loans (% of total) NPA ratio YTD NCO ratio | 1% | 1% | 3% | 4% | |||||
| 38.8% | 23.2% | 28.0% | 29.1% | |||||||
| 14.6% | 14.3% | 11.1% | 12.3% | |||||||
NPAs exclude loans held-for-sale
Note: Percentages may not sum due to rounding
10
| Total commercial loans ($48.8 billion) | ||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | ||||||||
| Other non-owner occupied | Loans (% of total) | <1% | 14% | 8% | <1% | 22% | ||||||
| RE | NPA ratio | 0.0% | 8.2% | 18.1% | 0.0% | 11.8% | ||||||
| YTD NCO ratio | 0.0% | 3.5% | 7.5% | 0.0% | 5.0% | |||||||
| Owner-occupied RE | Loans (% of total) | <1% | 12% | 1% | <1% | 13% | ||||||
| NPA ratio | 0.0% | 4.2% | 6.7% | 0.0% | 4.4% | |||||||
| YTD NCO ratio | 0.0% | 1.6% | 1.1% | 0.0% | 1.5% | |||||||
| C&I | Loans (% of total) | 58% | <1% | <1% | <1% | 58% | ||||||
| NPA ratio | 2.2% | 0.0% | 0.0% | 0.0% | 2.2% | |||||||
| YTD NCO ratio | 2.0% | 0.0% | 0.0% | 0.0% | 2.0% | |||||||
| Commercial lease | Loans (% of total) | <1% | <1% | <1% | 7% | 7% | ||||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 1.5% | 1.5% | |||||||
| YTD NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||
| 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% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||
| Total | Loans (% of total) | 58% | 25% | 9% | 7% | 100% | ||||||
| NPA ratio | 2.2% | 6.4% | 16.4% | 1.5% | 4.5% | |||||||
| YTD NCO ratio | 2.0% | 2.6% | 6.5% | 0.0% | 2.4% | |||||||
| Homebuilders / developers (included in #’s above) | Loans (% of total) NPA ratio YTD NCO ratio | 1% | 2% | 2% | <1% | 4% | ||||||
| 11.8% | 30.2% | 33.3% | 0.0% | 29.1% | ||||||||
| 6.4% | 9.9% | 15.9% | 0.0% | 12.3% | ||||||||
NPAs exclude loans held-for-sale
Note: Percentages may not sum due to rounding
11
| Total commercial loans ($48.8 billion) | |||||||||||||||||||||||
| Residential raw land | Residential developed land | Residential vertical land | Commercial raw land | Commercial developed land | Other | Total | |||||||||||||||||
Other non-owner occupied RE | Loans (% of total) NPA ratio YTD NCO ratio | 1 | % | 1 | % | 3 | % | 1 | % | 1 | % | 14 | % | 22 | % | ||||||||
| 25.9 | % | 33.6 | % | 26.4 | % | 18.3 | % | 17.0 | % | 5.1 | % | 11.8 | % | ||||||||||
| 12.0 | % | 18.9 | % | 10.9 | % | 7.5 | % | 4.9 | % | 1.8 | % | 5.0 | % | ||||||||||
Owner-occupied RE | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 13 | % | 13 | % | ||||||||
NPA ratio | 0.0 | % | 67.7 | % | 8.1 | % | 0.0 | % | 1.1 | % | 4.2 | % | 4.4 | % | |||||||||
YTD NCO ratio | 0.0 | % | 3.0 | % | 4.7 | % | 0.0 | % | NM | 1.4 | % | 1.5 | % | ||||||||||
C&I | Loans (% of total) | <1 | % | <1 | % | 1 | % | <1 | % | <1 | % | 57 | % | 58 | % | ||||||||
NPA ratio | 29.0 | % | 4.5 | % | 9.8 | % | 3.8 | % | 2.4 | % | 2.1 | % | 2.2 | % | |||||||||
YTD NCO ratio | 2.5 | % | 3.9 | % | 2.9 | % | 0.5 | % | 9.3 | % | 2.0 | % | 2.0 | % | |||||||||
Commercial lease | Loans (% of total) | <1 | % | <1 | % | <1 | % | <1 | % | <1 | % | 7 | % | 7 | % | ||||||||
NPA ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 1.5 | % | 1.5 | % | |||||||||
YTD NCO ratio | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | 0.0 | % | |||||||||
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 | % | 4 | % | 1 | % | 1 | % | 91 | % | 100 | % | ||||||||
NPA ratio | 26.0 | % | 32.9 | % | 21.0 | % | 14.4 | % | 15.3 | % | 2.8 | % | 4.5 | % | |||||||||
YTD NCO ratio | 11.6 | % | 18.0 | % | 8.6 | % | 5.7 | % | 4.9 | % | 1.7 | % | 2.4 | % | |||||||||
Florida | Loans (% of total) | <1 | % | <1 | % | 1 | % | <1 | % | <1 | % | 7 | % | 9 | % | ||||||||
NPA ratio | 32.5 | % | 43.1 | % | 37.5 | % | 17.7 | % | 22.5 | % | 5.2 | % | 11.0 | % | |||||||||
YTD NCO ratio | 16.5 | % | 35.3 | % | 12.4 | % | 7.3 | % | 4.5 | % | 3.9 | % | 6.3 | % | |||||||||
Michigan | Loans (% of total) | <1 | % | <1 | % | 1 | % | <1 | % | <1 | % | 16 | % | 18 | % | ||||||||
NPA ratio | 18.9 | % | 35.4 | % | 11.5 | % | 17.7 | % | 6.8 | % | 2.9 | % | 4.0 | % | |||||||||
YTD NCO ratio | 15.5 | % | 28.0 | % | 11.3 | % | 10.8 | % | 3.4 | % | 1.8 | % | 2.9 | % | |||||||||
Other | Loans (% of total) | 1 | % | 1 | % | 3 | % | 1 | % | 1 | % | 68 | % | 73 | % | ||||||||
NPA ratio | 27.0 | % | 28.0 | % | 19.3 | % | 12.4 | % | 12.6 | % | 2.5 | % | 3.9 | % | |||||||||
YTD NCO ratio | 8.1 | % | 7.7 | % | 6.9 | % | 3.7 | % | 5.3 | % | 1.4 | % | 1.9 | % | |||||||||
Total | Loans (% of total) | 1 | % | 1 | % | 4 | % | 1 | % | 1 | % | 91 | % | 100 | % | ||||||||
NPA ratio | 26.0 | % | 32.9 | % | 21.0 | % | 14.4 | % | 15.3 | % | 2.8 | % | 4.5 | % | |||||||||
YTD NCO ratio | 11.6 | % | 18.0 | % | 8.6 | % | 5.7 | % | 4.9 | % | 1.7 | % | 2.4 | % | |||||||||
Homebuilders / developers (included in #’s above) | Loans (% of total) NPA ratio YTD NCO ratio | 1 | % | 1 | % | 1 | % | <1 | % | <1 | % | <1 | % | 4 | % | ||||||||
| 26.3 | % | 33.0 | % | 34.6 | % | 0.0 | % | 0.0 | % | 8.5 | % | 29.1 | % | ||||||||||
| 10.1 | % | 12.6 | % | 15.5 | % | 0.0 | % | 0.0 | % | 8.4 | % | 12.3 | % | ||||||||||
NPAs exclude loans held-for-sale
Note: Percentages may not sum due to rounding
12
| Total commercial loans ($48.8 billion) | ||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | ||||||||
Accommodation | Loans (% of total) | 1% | 1% | <1% | <1% | 2% | ||||||
NPA ratio | 1.6% | 3.3% | 10.4% | 3.0% | 2.5% | |||||||
YTD NCO ratio | 1.4% | 3.1% | 1.5% | 0.0% | 2.0% | |||||||
Auto manufacturing | Loans (% of total) | 1% | <1% | <1% | <1% | 1% | ||||||
NPA ratio | 0.5% | 0.0% | 0.0% | 0.0% | 0.5% | |||||||
YTD NCO ratio | 0.4% | 0.0% | 0.0% | 0.0% | 0.4% | |||||||
Construction | Loans (% of total) | 3% | 3% | 3% | <1% | 9% | ||||||
NPA ratio | 6.5% | 20.9% | 28.9% | 8.2% | 19.4% | |||||||
YTD NCO ratio | 5.6% | 7.5% | 11.2% | 0.0% | 8.3% | |||||||
Finance & insurance | Loans (% of total) | 9% | <1% | <1% | <1% | 10% | ||||||
NPA ratio | 1.3% | 2.8% | 1.6% | 0.0% | 1.3% | |||||||
YTD NCO ratio | 0.9% | 0.9% | 0.0% | 0.0% | 0.9% | |||||||
Manufacturing | Loans (% of total) | 11% | 1% | <1% | 1% | 13% | ||||||
NPA ratio | 1.7% | 4.4% | 1.2% | 3.6% | 2.1% | |||||||
YTD NCO ratio | 1.5% | 3.5% | 0.0% | 0.0% | 1.6% | |||||||
Real estate | Loans (% of total) | 5% | 13% | 4% | <1% | 22% | ||||||
NPA ratio | 3.6% | 5.5% | 10.6% | 0.6% | 6.0% | |||||||
YTD NCO ratio | 2.4% | 2.5% | 4.6% | 0.0% | 2.8% | |||||||
Retail trade | Loans (% of total) | 2% | 1% | <1% | <1% | 3% | ||||||
NPA ratio | 3.1% | 6.1% | 12.4% | 2.3% | 4.2% | |||||||
YTD NCO ratio | 2.1% | 1.3% | 1.7% | 0.0% | 1.8% | |||||||
Auto retailers | Loans (% of total) | 2% | 1% | <1% | <1% | 3% | ||||||
NPA ratio | 4.7% | 6.1% | 0.0% | 0.0% | 4.9% | |||||||
YTD NCO ratio | 8.2% | 0.8% | 0.0% | 0.0% | 6.6% | |||||||
Wholesale trade | Loans (% of total) | 4% | 1% | <1% | <1% | 5% | ||||||
NPA ratio | 1.9% | 3.5% | 1.3% | 1.6% | 2.0% | |||||||
YTD NCO ratio | 0.8% | 2.7% | 0.0% | 0.0% | 1.0% | |||||||
Other | Loans (% of total) | 20% | 5% | 1% | 5% | 32% | ||||||
NPA ratio | 1.8% | 2.6% | 4.4% | 0.9% | 1.9% | |||||||
YTD NCO ratio | 1.5% | 0.6% | 1.2% | NM | 1.1% | |||||||
Total | Loans (% of total) | 58% | 25% | 9% | 7% | 100% | ||||||
NPA ratio | 2.2% | 6.4% | 16.4% | 1.5% | 4.5% | |||||||
YTD NCO ratio | 2.0% | 2.6% | 6.5% | 0.0% | 2.4% | |||||||
NPAs exclude loans held-for-sale
Note: Percentages may not sum due to rounding
13
| Total commercial loans ($48.8 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
Accommodation | Loans (% of total) | <1% | <1% | 1% | 2% | |||||
NPA ratio | 2.3% | 4.0% | 2.2% | 2.5% | ||||||
YTD NCO ratio | 2.7% | 4.7% | 1.1% | 2.0% | ||||||
Auto manufacturing | Loans (% of total) | <1% | 1% | 1% | 1% | |||||
NPA ratio | 0.0% | 0.1% | 0.9% | 0.5% | ||||||
YTD NCO ratio | 0.0% | 0.1% | 0.7% | 0.4% | ||||||
Construction | Loans (% of total) | 1% | 1% | 6% | 9% | |||||
NPA ratio | 32.4% | 13.5% | 18.2% | 19.4% | ||||||
YTD NCO ratio | 11.6% | 8.4% | 7.7% | 8.3% | ||||||
Finance & insurance | Loans (% of total) | <1% | 1% | 8% | 10% | |||||
NPA ratio | 2.0% | 0.6% | 1.4% | 1.3% | ||||||
YTD NCO ratio | 5.4% | 0.0% | 0.7% | 0.9% | ||||||
Manufacturing | Loans (% of total) | <1% | 2% | 11% | 13% | |||||
NPA ratio | 4.1% | 1.3% | 2.2% | 2.1% | ||||||
YTD NCO ratio | 0.0% | 1.5% | 1.6% | 1.6% | ||||||
Real estate | Loans (% of total) | 3% | 6% | 13% | 22% | |||||
NPA ratio | 15.1% | 5.1% | 4.3% | 6.0% | ||||||
YTD NCO ratio | 9.0% | 2.8% | 1.4% | 2.8% | ||||||
Retail trade | Loans (% of total) | <1% | 1% | 2% | 3% | |||||
NPA ratio | 2.9% | 6.5% | 3.5% | 4.2% | ||||||
YTD NCO ratio | 1.9% | 3.2% | 1.3% | 1.8% | ||||||
Auto retailers | Loans (% of total) | <1% | <1% | 2% | 3% | |||||
NPA ratio | 9.0% | 1.1% | 5.3% | 4.9% | ||||||
YTD NCO ratio | 18.7% | 2.0% | 6.2% | 6.6% | ||||||
Wholesale trade | Loans (% of total) | <1% | 1% | 4% | 5% | |||||
NPA ratio | 0.7% | 2.5% | 2.1% | 2.0% | ||||||
YTD NCO ratio | 0.4% | 2.7% | 0.7% | 1.0% | ||||||
Other | Loans (% of total) | 2% | 4% | 25% | 32% | |||||
NPA ratio | 1.2% | 2.5% | 1.8% | 1.9% | ||||||
YTD NCO ratio | 1.1% | 2.8% | 0.8% | 1.1% | ||||||
Total | Loans (% of total) | 9% | 18% | 73% | 100% | |||||
NPA ratio | 11.0% | 4.0% | 3.9% | 4.5% | ||||||
YTD NCO ratio | 6.3% | 2.9% | 1.9% | 2.4% | ||||||
NPAs exclude loans held-for-sale
Note: Percentages may not sum due to rounding
14