Exhibit 99.4
Second Quarter 2010 Portfolio Loan and Lease Stratifications
Please refer to earnings release dated July 22, 2010 for further information.
Second Quarter 2010 Portfolio Loan and Lease Stratifications
Consumer
2
Brokered home equity ($1.8 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 | 2.6% | 9.3% | 7.9% | 7.5% | 5.6% | 6.5% | ||||||||
NCO ratio | 18.3% | 54.9% | 8.3% | 3.7% | 20.8% | 24.4% | ||||||||
Michigan | Loans (% of total) | 2% | 3% | 5% | 4% | 7% | 21% | |||||||
NPA + 90+ ratio | 1.7% | 2.4% | 2.9% | 3.4% | 2.7% | 2.8% | ||||||||
NCO ratio | 1.5% | 3.8% | 5.5% | 4.5% | 8.8% | 5.7% | ||||||||
Other | Loans (% of total) | 7% | 9% | 16% | 11% | 33% | 76% | |||||||
NPA + 90+ ratio | 1.9% | 2.9% | 1.9% | 2.0% | 2.6% | 2.3% | ||||||||
NCO ratio | 1.6% | 2.4% | 5.3% | 6.4% | 4.5% | 4.4% | ||||||||
Total | Loans (% of total) | 10% | 13% | 22% | 14% | 41% | 100% | |||||||
NPA + 90+ ratio | 1.9% | 3.2% | 2.3% | 2.4% | 2.7% | 2.5% | ||||||||
NCO ratio | 2.5% | 5.4% | 5.4% | 5.9% | 5.6% | 5.3% | ||||||||
1sts | Loans (% of total) | 5% | 4% | 3% | 1% | 4% | 16% | |||||||
NPA + 90+ ratio | 2.2% | 3.8% | 3.8% | 3.9% | 3.7% | 3.3% | ||||||||
NCO ratio | 0.8% | 1.3% | 2.1% | 0.0% | 1.9% | 1.4% | ||||||||
2nds | Loans (% of total) | 5% | 9% | 19% | 14% | 37% | 84% | |||||||
NPA + 90+ ratio | 1.6% | 2.9% | 2.1% | 2.4% | 2.6% | 2.4% | ||||||||
NCO ratio | 4.0% | 7.2% | 5.9% | 6.1% | 5.9% | 6.0% | ||||||||
Total | Loans (% of total) | 10% | 13% | 22% | 14% | 41% | 100% | |||||||
NPA + 90+ ratio | 1.9% | 3.2% | 2.3% | 2.4% | 2.7% | 2.5% | ||||||||
NCO ratio | 2.5% | 5.4% | 5.4% | 5.9% | 5.6% | 5.3% | ||||||||
HE loans | Loans (% of total) | 1% | 3% | 5% | 3% | 12% | 24% | |||||||
NPA + 90+ ratio | 2.3% | 4.6% | 2.9% | 2.8% | 2.7% | 2.9% | ||||||||
NCO ratio | 1.3% | 2.3% | 7.8% | 8.1% | 4.5% | 5.1% | ||||||||
HELOCs | Loans (% of total) | 9% | 10% | 18% | 11% | 29% | 76% | |||||||
NPA + 90+ ratio | 1.8% | 2.8% | 2.2% | 2.3% | 2.6% | 2.4% | ||||||||
NCO ratio | 2.6% | 6.2% | 4.8% | 5.3% | 6.1% | 5.3% | ||||||||
Total | Loans (% of total) | 10% | 13% | 22% | 14% | 41% | 100% | |||||||
NPA + 90+ ratio | 1.9% | 3.2% | 2.3% | 2.4% | 2.7% | 2.5% | ||||||||
NCO ratio | 2.5% | 5.4% | 5.4% | 5.9% | 5.6% | 5.3% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | 1% | 1% | 4% | |||||||
NPA + 90+ ratio | 4.7% | 12.6% | 3.3% | 4.6% | 2.7% | 4.6% | ||||||||
NCO ratio | 0.6% | 3.2% | 18.8% | 11.0% | 5.6% | 9.1% | ||||||||
660-689 | Loans (% of total) | 1% | 1% | 3% | 2% | 5% | 12% | |||||||
NPA + 90+ ratio | 2.8% | 7.2% | 3.5% | 3.9% | 3.7% | 3.9% | ||||||||
NCO ratio | 0.4% | 16.1% | 12.0% | 9.5% | 6.0% | 8.5% | ||||||||
690-719 | Loans (% of total) | 1% | 2% | 4% | 3% | 10% | 21% | |||||||
NPA + 90+ ratio | 3.1% | 2.6% | 3.5% | 3.2% | 3.3% | 3.2% | ||||||||
NCO ratio | 7.1% | 1.3% | 6.2% | 6.0% | 6.7% | 5.9% | ||||||||
720-749 | Loans (% of total) | 2% | 3% | 5% | 4% | 11% | 23% | |||||||
NPA + 90+ ratio | 2.2% | 3.1% | 2.6% | 2.1% | 2.4% | 2.4% | ||||||||
NCO ratio | 3.9% | 4.0% | 3.1% | 4.0% | 6.3% | 4.9% | ||||||||
750+ | Loans (% of total) | 5% | 6% | 9% | 5% | 13% | 39% | |||||||
NPA + 90+ ratio | 1.0% | 1.9% | 1.2% | 1.5% | 1.9% | 1.6% | ||||||||
NCO ratio | 1.4% | 5.9% | 2.7% | 5.1% | 4.0% | 3.8% | ||||||||
Other^ | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | <1% | |||||||
NPA + 90+ ratio | 3.8% | 0.0% | 0.0% | 0.0% | 0.0% | 2.6% | ||||||||
NCO ratio | 0.6% | 0.0% | 0.0% | 0.0% | -0.7% | 0.3% | ||||||||
Total | Loans (% of total) | 10% | 13% | 22% | 14% | 41% | 100% | |||||||
NPA + 90+ ratio | 1.9% | 3.2% | 2.3% | 2.4% | 2.7% | 2.5% | ||||||||
NCO ratio | 2.5% | 5.4% | 5.4% | 5.9% | 5.6% | 5.3% |
| # | Includes relationship based and private lending |
| ** | Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio. |
| ^ | Includes acquired loans where FICOs at origination is not available |
Note: Consumer net charge-off ratios are calculated using end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
3
Retail direct home equity ($9.9 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 | 1.4% | 1.9% | 4.8% | 10.7% | 7.5% | 2.3% | ||||||||
NCO ratio | 1.3% | 3.2% | 4.5% | 5.5% | 6.5% | 2.3% | ||||||||
Michigan | Loans (% of total) | 9% | 5% | 4% | 1% | 2% | 21% | |||||||
NPA + 90+ ratio | 0.7% | 0.8% | 1.7% | 1.4% | 1.5% | 1.0% | ||||||||
NCO ratio | 0.8% | 1.4% | 3.2% | 5.0% | 5.5% | 2.1% | ||||||||
Other | Loans (% of total) | 29% | 16% | 13% | 4% | 7% | 70% | |||||||
NPA + 90+ ratio | 0.7% | 0.9% | 1.0% | 1.1% | 1.0% | 0.9% | ||||||||
NCO ratio | 0.8% | 0.7% | 1.3% | 2.2% | 2.5% | 1.1% | ||||||||
Total | Loans (% of total) | 43% | 23% | 17% | 6% | 10% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.0% | 1.3% | 1.6% | 1.3% | 1.0% | ||||||||
NCO ratio | 0.9% | 1.0% | 1.9% | 3.0% | 3.2% | 1.4% | ||||||||
1sts | Loans (% of total) | 20% | 8% | 3% | 1% | 1% | 32% | |||||||
NPA + 90+ ratio | 0.5% | 1.0% | 1.5% | 4.4% | 1.4% | 0.8% | ||||||||
NCO ratio | 0.3% | 0.5% | 0.7% | 1.6% | 2.4% | 0.5% | ||||||||
2nds | Loans (% of total) | 24% | 15% | 14% | 6% | 9% | 68% | |||||||
NPA + 90+ ratio | 1.1% | 1.0% | 1.3% | 1.3% | 1.3% | 1.2% | ||||||||
NCO ratio | 1.4% | 1.3% | 2.1% | 3.2% | 3.3% | 1.9% | ||||||||
Total | Loans (% of total) | 43% | 23% | 17% | 6% | 10% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.0% | 1.3% | 1.6% | 1.3% | 1.0% | ||||||||
NCO ratio | 0.9% | 1.0% | 1.9% | 3.0% | 3.2% | 1.4% | ||||||||
HE loans | Loans (% of total) | 4% | 2% | 2% | 1% | 2% | 11% | |||||||
NPA + 90+ ratio | 1.9% | 1.3% | 2.0% | 2.0% | 1.4% | 1.7% | ||||||||
NCO ratio | 0.2% | 1.1% | 1.9% | 3.1% | 4.5% | 1.7% | ||||||||
HELOCs | Loans (% of total) | 40% | 21% | 15% | 5% | 8% | 89% | |||||||
NPA + 90+ ratio | 0.7% | 0.9% | 1.2% | 1.5% | 1.3% | 1.0% | ||||||||
NCO ratio | 0.9% | 1.0% | 1.9% | 3.0% | 2.9% | 1.4% | ||||||||
Total | Loans (% of total) | 43% | 23% | 17% | 6% | 10% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.0% | 1.3% | 1.6% | 1.3% | 1.0% | ||||||||
NCO ratio | 0.9% | 1.0% | 1.9% | 3.0% | 3.2% | 1.4% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 3% | |||||||
NPA + 90+ ratio | 2.5% | 3.1% | 3.5% | 3.0% | 3.1% | 3.0% | ||||||||
NCO ratio | 4.5% | 3.7% | 3.9% | 6.2% | 4.9% | 4.4% | ||||||||
660-689 | Loans (% of total) | 2% | 2% | 1% | 1% | 1% | 7% | |||||||
NPA + 90+ ratio | 1.0% | 2.4% | 2.4% | 3.3% | 1.7% | 2.0% | ||||||||
NCO ratio | 2.5% | 2.9% | 5.6% | 8.9% | 5.1% | 4.3% | ||||||||
690-719 | Loans (% of total) | 3% | 3% | 2% | 1% | 2% | 11% | |||||||
NPA + 90+ ratio | 1.0% | 2.7% | 1.8% | 2.0% | 1.5% | 1.7% | ||||||||
NCO ratio | 0.6% | 1.1% | 2.8% | 6.1% | 3.4% | 2.1% | ||||||||
720-749 | Loans (% of total) | 5% | 4% | 3% | 1% | 2% | 16% | |||||||
NPA + 90+ ratio | 0.9% | 1.0% | 1.9% | 1.3% | 1.2% | 1.2% | ||||||||
NCO ratio | 0.6% | 1.7% | 2.2% | 1.4% | 3.6% | 1.7% | ||||||||
750+ | Loans (% of total) | 20% | 14% | 9% | 3% | 4% | 51% | |||||||
NPA + 90+ ratio | 0.3% | 0.4% | 0.6% | 1.2% | 1.0% | 0.5% | ||||||||
NCO ratio | 0.4% | 0.5% | 0.8% | 1.2% | 2.3% | 0.7% | ||||||||
Other^ | Loans (% of total) | 12% | <1% | <1% | <1% | <1% | 12% | |||||||
NPA + 90+ ratio | 1.4% | 0.0% | 0.2% | 0.1% | 0.0% | 1.4% | ||||||||
NCO ratio | 1.2% | 0.7% | 0.7% | 0.0% | 0.0% | 1.2% | ||||||||
Total | Loans (% of total) | 43% | 23% | 17% | 6% | 10% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.0% | 1.3% | 1.6% | 1.3% | 1.0% | ||||||||
NCO ratio | 0.9% | 1.0% | 1.9% | 3.0% | 3.2% | 1.4% |
| # | Includes relationship based and private lending |
| ** | Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio. |
| ^ | Includes acquired loans where FICOs at origination is not available |
Note: Consumer net charge-off ratios are calculated using end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
4
Total home equity ($11.7 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 | 1.4% | 2.3% | 5.1% | 10.3% | 6.8% | 2.6% | ||||||||
NCO ratio | 1.6% | 6.2% | 4.8% | 5.2% | 11.2% | 3.5% | ||||||||
Michigan | Loans (% of total) | 8% | 5% | 4% | 2% | 3% | 21% | |||||||
NPA + 90+ ratio | 0.8% | 0.9% | 2.0% | 2.0% | 2.0% | 1.3% | ||||||||
NCO ratio | 0.9% | 1.6% | 3.7% | 4.8% | 6.8% | 2.7% | ||||||||
Other | Loans (% of total) | 26% | 15% | 13% | 5% | 11% | 71% | |||||||
NPA + 90+ ratio | 0.8% | 1.1% | 1.1% | 1.4% | 1.7% | 1.1% | ||||||||
NCO ratio | 0.8% | 0.8% | 2.0% | 3.5% | 3.4% | 1.7% | ||||||||
Total | Loans (% of total) | 38% | 22% | 18% | 7% | 15% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.2% | 1.5% | 1.8% | 1.9% | 1.3% | ||||||||
NCO ratio | 0.9% | 1.4% | 2.5% | 3.9% | 4.3% | 2.0% | ||||||||
1sts | Loans (% of total) | 17% | 7% | 3% | 1% | 1% | 29% | |||||||
NPA + 90+ ratio | 0.5% | 1.2% | 1.8% | 4.3% | 2.4% | 1.0% | ||||||||
NCO ratio | 0.3% | 0.6% | 0.9% | 1.4% | 2.2% | 0.5% | ||||||||
2nds | Loans (% of total) | 21% | 14% | 15% | 7% | 13% | 71% | |||||||
NPA + 90+ ratio | 1.1% | 1.2% | 1.5% | 1.6% | 1.9% | 1.4% | ||||||||
NCO ratio | 1.5% | 1.8% | 2.9% | 4.1% | 4.4% | 2.7% | ||||||||
Total | Loans (% of total) | 38% | 22% | 18% | 7% | 15% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.2% | 1.5% | 1.8% | 1.9% | 1.3% | ||||||||
NCO ratio | 0.9% | 1.4% | 2.5% | 3.9% | 4.3% | 2.0% | ||||||||
HE loans | Loans (% of total) | 4% | 2% | 2% | 1% | 3% | 13% | |||||||
NPA + 90+ ratio | 2.0% | 1.9% | 2.3% | 2.2% | 2.1% | 2.1% | ||||||||
NCO ratio | 0.3% | 1.3% | 3.7% | 4.8% | 4.5% | 2.7% | ||||||||
HELOCs | Loans (% of total) | 35% | 19% | 16% | 6% | 11% | 87% | |||||||
NPA + 90+ ratio | 0.7% | 1.1% | 1.4% | 1.8% | 1.9% | 1.1% | ||||||||
NCO ratio | 1.0% | 1.4% | 2.4% | 3.6% | 4.2% | 1.9% | ||||||||
Total | Loans (% of total) | 38% | 22% | 18% | 7% | 15% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.2% | 1.5% | 1.8% | 1.9% | 1.3% | ||||||||
NCO ratio | 0.9% | 1.4% | 2.5% | 3.9% | 4.3% | 2.0% | ||||||||
< 660# | Loans (% of total) | 1% | 1% | 1% | <1% | 1% | 4% | |||||||
NPA + 90+ ratio | 2.6% | 4.1% | 3.5% | 3.5% | 2.9% | 3.3% | ||||||||
NCO ratio | 4.2% | 3.6% | 7.2% | 7.8% | 5.1% | 5.2% | ||||||||
660-689 | Loans (% of total) | 2% | 2% | 2% | 1% | 2% | 7% | |||||||
NPA + 90+ ratio | 1.2% | 2.9% | 2.7% | 3.5% | 2.6% | 2.4% | ||||||||
NCO ratio | 2.4% | 4.3% | 7.3% | 9.2% | 5.5% | 5.3% | ||||||||
690-719 | Loans (% of total) | 3% | 3% | 3% | 1% | 3% | 13% | |||||||
NPA + 90+ ratio | 1.2% | 2.7% | 2.2% | 2.4% | 2.4% | 2.1% | ||||||||
NCO ratio | 1.1% | 1.1% | 3.6% | 6.1% | 5.0% | 3.1% | ||||||||
720-749 | Loans (% of total) | 4% | 4% | 4% | 2% | 3% | 17% | |||||||
NPA + 90+ ratio | 0.9% | 1.2% | 2.1% | 1.5% | 1.8% | 1.5% | ||||||||
NCO ratio | 0.8% | 1.9% | 2.4% | 2.2% | 4.9% | 2.4% | ||||||||
750+ | Loans (% of total) | 18% | 13% | 9% | 3% | 5% | 49% | |||||||
NPA + 90+ ratio | 0.3% | 0.5% | 0.7% | 1.3% | 1.4% | 0.6% | ||||||||
NCO ratio | 0.4% | 0.9% | 1.1% | 2.2% | 2.9% | 1.1% | ||||||||
Other^ | Loans (% of total) | 10% | <1% | <1% | <1% | <1% | 10% | |||||||
NPA + 90+ ratio | 1.5% | 0.0% | 0.2% | 0.1% | 0.0% | 1.4% | ||||||||
NCO ratio | 1.2% | 0.6% | 0.7% | 0.0% | -0.2% | 1.2% | ||||||||
Total | Loans (% of total) | 38% | 22% | 18% | 7% | 15% | 100% | |||||||
NPA + 90+ ratio | 0.8% | 1.2% | 1.5% | 1.8% | 1.9% | 1.3% | ||||||||
NCO ratio | 0.9% | 1.4% | 2.5% | 3.9% | 4.3% | 2.0% |
| # | Includes relationship based and private lending |
| ** | Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio. |
| ^ | Includes acquired loans where FICOs at origination is not available |
Note: Consumer net charge-off ratios are calculated using end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
5
Total residential mortgage ($7.8 billion)
FICO (origination)
| < 660# | 660-689 | 690-719 | 720-750 | 750+ | Other^ | Total | ||||||||||
Lots | Loans (% of total) | <1% | <1% | 1% | 1% | 2% | 2% | 7% | ||||||||
NPA + 90+ ratio | 28.2% | 20.7% | 13.9% | 9.1% | 6.8% | 17.4% | 13.3% | |||||||||
NCO ratio | 38.9% | 20.1% | 23.0% | 14.8% | 9.8% | 27.8% | 20.0% | |||||||||
Residential construction | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | <1% | <1% | ||||||||
NPA + 90+ ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||||
NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||||
Other non-owner occupied | Loans (% of total) | <1% | <1% | <1% | <1% | 1% | 4% | 6% | ||||||||
NPA + 90+ ratio | 28.3% | 24.6% | 18.6% | 18.4% | 9.3% | 19.7% | 18.9% | |||||||||
NCO ratio | 17.5% | 7.2% | 19.5% | 13.4% | 3.4% | 13.8% | 12.7% | |||||||||
Owner occupied | Loans (% of total) | 10% | 7% | 11% | 13% | 28% | 19% | 87% | ||||||||
NPA + 90+ ratio | 10.4% | 10.7% | 9.9% | 5.4% | 2.9% | 10.9% | 7.3% | |||||||||
NCO ratio | 3.7% | 3.6% | 3.1% | 2.0% | 1.2% | 3.6% | 2.5% | |||||||||
Total | Loans (% of total) | 11% | 8% | 12% | 14% | 31% | 24% | 100% | ||||||||
NPA + 90+ ratio | 11.3% | 11.7% | 10.4% | 6.0% | 3.3% | 12.8% | 8.4% | |||||||||
NCO ratio | 5.0% | 4.6% | 4.9% | 3.1% | 1.8% | 7.3% | 4.3% |
Total residential mortgage ($7.8 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% | 7% | |||||||
NPA + 90+ ratio | 16.3% | 18.6% | 12.7% | 6.2% | 9.5% | 13.3% | ||||||||
NCO ratio | 20.9% | 27.2% | 20.5% | 9.3% | 15.1% | 20.0% | ||||||||
Residential construction | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | <1% | |||||||
NPA + 90+ ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||||||
NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||||||
Other non-owner occupied | Loans (% of total) | 1% | 3% | 1% | <1% | <1% | 6% | |||||||
NPA + 90+ ratio | 15.1% | 18.6% | 25.3% | 17.2% | 16.3% | 18.9% | ||||||||
NCO ratio | 5.1% | 14.1% | 19.5% | 10.3% | 6.9% | 12.7% | ||||||||
Owner occupied | Loans (% of total) | 23% | 36% | 8% | 5% | 15% | 87% | |||||||
NPA + 90+ ratio | 6.3% | 7.2% | 11.8% | 10.7% | 5.7% | 7.3% | ||||||||
NCO ratio | 1.1% | 2.7% | 3.8% | 3.1% | 3.4% | 2.5% | ||||||||
Total | Loans (% of total) | 26% | 41% | 11% | 6% | 17% | 100% | |||||||
NPA + 90+ ratio | 7.0% | 8.5% | 13.2% | 10.7% | 6.4% | 8.4% | ||||||||
NCO ratio | 1.9% | 4.6% | 7.9% | 3.6% | 5.0% | 4.3% |
Total residential mortgage ($7.8 billion)
| Florida | Michigan | Other | Total | |||||||
Lots | Loans (% of total) | 3% | 1% | 3% | 7% | |||||
NPA + 90+ ratio | 21.9% | 4.2% | 6.6% | 13.3% | ||||||
NCO ratio | 33.0% | 5.8% | 9.9% | 20.0% | ||||||
Residential | Loans (% of total) | <1% | <1% | <1% | <1% | |||||
NPA + 90+ ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
Other non-owner occupied | Loans (% of total) | 3% | <1% | 2% | 6% | |||||
NPA + 90+ ratio | 24.4% | 19.4% | 10.4% | 18.9% | ||||||
NCO ratio | 17.5% | 18.3% | 4.6% | 12.7% | ||||||
Owner occupied | Loans (% of total) | 21% | 13% | 53% | 87% | |||||
NPA + 90+ ratio | 13.8% | 5.8% | 5.2% | 7.3% | ||||||
NCO ratio | 5.2% | 2.8% | 1.4% | 2.5% | ||||||
Total | Loans (% of total) | 27% | 14% | 59% | 100% | |||||
NPA + 90+ ratio | 16.0% | 5.9% | 5.5% | 8.4% | ||||||
NCO ratio | 9.7% | 3.2% | 2.0% | 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 end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
6
| Total auto ($10.0 billion) | ||||||||||||||||
| FICO (origination) | ||||||||||||||||
| < 660 | 660-689 | 690-719 | 720-750 | 750+ | Other^ | Total | ||||||||||
| Auto/Van | Loans (% of total) | <1% | 3% | 8% | 9% | 21% | <1% | 41% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.6% | 0.4% | 0.2% | 0.1% | 0.6% | 0.2% | |||||||||
| NCO ratio | 0.7% | 2.1% | 1.3% | 0.8% | 0.3% | 2.1% | 0.8% | |||||||||
| Small/Med SUV and | Loans (% of total) | <1% | 2% | 5% | 7% | 15% | <1% | 30% | ||||||||
| Compact Pickup | NPA + 90+ ratio | 0.8% | 0.6% | 0.4% | 0.3% | 0.1% | 0.3% | 0.2% | ||||||||
| NCO ratio | -0.1% | 1.1% | 1.0% | 0.5% | 0.3% | 0.2% | 0.5% | |||||||||
| Large SUV/Full Size Pickup | Loans (% of total) | <1% | 2% | 4% | 5% | 10% | 1% | 22% | ||||||||
| NPA + 90+ ratio | 0.4% | 0.8% | 0.5% | 0.3% | 0.1% | 0.4% | 0.3% | |||||||||
| NCO ratio | -0.6% | 1.4% | 0.9% | 0.9% | 0.3% | 0.5% | 0.6% | |||||||||
| Other | Loans (% of total) | <1% | <1% | 1% | 1% | 3% | <1% | 6% | ||||||||
| NPA + 90+ ratio | 1.0% | 1.3% | 0.7% | 0.6% | 0.5% | 2.0% | 0.7% | |||||||||
| NCO ratio | 7.1% | 5.3% | 3.9% | 0.7% | 1.7% | 1.5% | 2.3% | |||||||||
| Total | Loans (% of total) | 1% | 7% | 19% | 22% | 50% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.7% | 0.4% | 0.3% | 0.1% | 0.8% | 0.3% | |||||||||
| NCO ratio | 1.5% | 1.9% | 1.3% | 0.7% | 0.4% | 1.0% | 0.8% | |||||||||
| New | Loans (% of total) | <1% | 3% | 8% | 10% | 26% | 1% | 48% | ||||||||
| NPA + 90+ ratio | 0.6% | 0.7% | 0.4% | 0.3% | 0.1% | 0.3% | 0.2% | |||||||||
| NCO ratio | 0.8% | 1.9% | 1.3% | 0.6% | 0.3% | 0.9% | 0.7% | |||||||||
| Used | Loans (% of total) | 1% | 4% | 11% | 12% | 24% | 1% | 52% | ||||||||
| NPA + 90+ ratio | 0.9% | 0.7% | 0.5% | 0.3% | 0.2% | 1.4% | 0.3% | |||||||||
| NCO ratio | 1.9% | 1.8% | 1.2% | 0.9% | 0.4% | 1.2% | 0.8% | |||||||||
| Total | Loans (% of total) | 1% | 7% | 19% | 22% | 50% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.7% | 0.4% | 0.3% | 0.1% | 0.8% | 0.3% | |||||||||
| NCO ratio | 1.5% | 1.9% | 1.3% | 0.7% | 0.4% | 1.0% | 0.8% | |||||||||
| <=100% advance rate | Loans (% of total) | 1% | 4% | 10% | 11% | 32% | 1% | 59% | ||||||||
| NPA + 90+ ratio | 0.7% | 0.5% | 0.3% | 0.2% | 0.1% | 0.7% | 0.2% | |||||||||
| NCO ratio | 1.0% | 1.4% | 0.6% | 0.2% | 0.2% | 1.0% | 0.4% | |||||||||
| >100% advance rate | Loans (% of total) | <1% | 3% | 9% | 11% | 18% | <1% | 41% | ||||||||
| NPA + 90+ ratio | 0.8% | 1.0% | 0.6% | 0.4% | 0.2% | 1.1% | 0.4% | |||||||||
| NCO ratio | 2.5% | 2.5% | 1.9% | 1.3% | 0.8% | 0.9% | 1.3% | |||||||||
| Total | Loans (% of total) | 1% | 7% | 19% | 22% | 50% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.7% | 0.4% | 0.3% | 0.1% | 0.8% | 0.3% | |||||||||
| NCO ratio | 1.5% | 1.9% | 1.3% | 0.7% | 0.4% | 1.0% | 0.8% | |||||||||
| <=60 month term | Loans (% of total) | <1% | 1% | 4% | 5% | 17% | 1% | 28% | ||||||||
| NPA + 90+ ratio | 0.6% | 0.5% | 0.2% | 0.1% | 0.0% | 0.4% | 0.1% | |||||||||
| NCO ratio | -0.3% | 1.1% | 0.7% | 0.5% | 0.1% | 0.2% | 0.3% | |||||||||
| >60 month term | Loans (% of total) | 1% | 6% | 15% | 17% | 32% | 1% | 72% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.8% | 0.5% | 0.3% | 0.2% | 1.1% | 0.3% | |||||||||
| NCO ratio | 2.3% | 2.1% | 1.4% | 0.8% | 0.5% | 1.7% | 0.9% | |||||||||
| Total | Loans (% of total) | 1% | 7% | 19% | 22% | 50% | 2% | 100% | ||||||||
| NPA + 90+ ratio | 0.8% | 0.7% | 0.4% | 0.3% | 0.1% | 0.8% | 0.3% | |||||||||
| NCO ratio | 1.5% | 1.9% | 1.3% | 0.7% | 0.4% | 1.0% | 0.8% | |||||||||
| ^ | Includes acquired loans where FICOs at origination is not available |
Note: Consumer net charge-off ratios are calculated using end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
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 | |||||||||||||
| 2010 | Loans (% of total, by loan type) | <1% | 8% | 1% | 4% | 0% | 2% | <1% | 2% | 6% | 9% | |||||||||||
| NPA + 90+ ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||||||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||||||||||
| 2009 | Loans (% of total, by loan type) | <1% | 52% | 1% | 7% | 0% | 5% | 29% | 16% | 8% | 13% | |||||||||||
| NPA + 90+ ratio | 0.0% | 0.0% | 0.0% | 0.3% | 0.0% | 0.1% | 0.2% | 2.6% | 0.4% | 0.3% | ||||||||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.6% | 6.1% | 4.5% | 0.8% | ||||||||||||
| 2008 | Loans (% of total, by loan type) | 2% | 20% | 3% | 14% | 1% | 13% | 19% | 15% | 41% | 15% | |||||||||||
| NPA + 90+ ratio | 3.1% | 0.0% | 10.8% | 5.7% | 0.0% | 0.4% | 0.4% | 7.2% | 0.1% | 1.9% | ||||||||||||
| NCO ratio | 11.4% | 0.0% | 23.3% | 2.1% | 0.1% | 0.9% | 1.1% | 11.4% | 0.6% | 1.9% | ||||||||||||
| 2007 | Loans (% of total, by loan type) | 13% | 6% | 9% | 16% | 14% | 11% | 16% | 26% | 23% | 15% | |||||||||||
| NPA + 90+ ratio | 10.2% | 0.0% | 22.5% | 9.4% | 1.7% | 1.0% | 0.4% | 7.1% | 0.6% | 3.7% | ||||||||||||
| NCO ratio | 18.4% | 0.0% | 19.3% | 2.8% | 4.5% | 1.6% | 1.1% | 10.8% | 3.4% | 3.2% | ||||||||||||
| 2006 | Loans (% of total, by loan type) | 35% | 6% | 17% | 13% | 32% | 13% | 8% | 10% | 10% | 13% | |||||||||||
| NPA + 90+ ratio | 11.1% | 0.0% | 24.7% | 13.3% | 3.5% | 1.6% | 0.5% | 7.7% | 1.7% | 5.4% | ||||||||||||
| NCO ratio | 20.3% | 0.0% | 18.8% | 6.2% | 7.5% | 2.6% | 1.1% | 9.4% | 1.5% | 5.2% | ||||||||||||
| 2005 | Loans (% of total, by loan type) | 38% | 4% | 36% | 22% | 26% | 13% | 4% | 8% | 6% | 13% | |||||||||||
| NPA + 90+ ratio | 15.9% | 0.0% | 24.5% | 8.6% | 2.1% | 1.5% | 0.5% | 6.3% | 0.4% | 5.8% | ||||||||||||
| NCO ratio | 19.8% | 0.0% | 15.2% | 2.8% | 6.0% | 2.9% | 1.0% | 9.6% | 4.4% | 4.6% | ||||||||||||
| 2004 & prior | Loans (% of total, by loan type) | 11% | 3% | 34% | 24% | 28% | 43% | 3% | 21% | 7% | 23% | |||||||||||
| NPA + 90+ ratio | 17.9% | 0.0% | 10.9% | 5.9% | 2.3% | 1.1% | 1.1% | 6.0% | 0.2% | 2.8% | ||||||||||||
| NCO ratio | 24.9% | 0.0% | 5.1% | 1.6% | 2.5% | 1.0% | 2.6% | 8.6% | 2.7% | 2.0% | ||||||||||||
| Total | Loans (% of total, by loan type) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | |||||||||||
| NPA + 90+ ratio | 13.3% | 0.0% | 18.9% | 7.3% | 2.5% | 1.0% | 0.3% | 5.9% | 0.4% | 2.9% | ||||||||||||
| NCO ratio | 20.0% | 0.0% | 12.7% | 2.5% | 5.3% | 1.4% | 0.8% | 9.0% | 2.0% | 2.6% | ||||||||||||
Note: Consumer net charge-off ratios are calculated using end of period loan balances
Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products
8
Second Quarter 2010 Portfolio Loan and Lease Stratifications
Commercial
9
| Total commercial loans ($43.7 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
| Other non-owner occupied | Loans (% of total) | 3% | 4% | 13% | 20% | |||||
| RE | NPA ratio | 25.4% | 8.3% | 11.3% | 12.8% | |||||
| NCO ratio | 6.7% | 6.3% | 3.3% | 4.5% | ||||||
| Owner-occupied RE | Loans (% of total) | 2% | 3% | 8% | 13% | |||||
| NPA ratio | 9.1% | 6.3% | 4.3% | 5.4% | ||||||
| NCO ratio | 0.8% | 2.0% | 1.2% | 1.4% | ||||||
| C&I | Loans (% of total) | 4% | 9% | 47% | 59% | |||||
| NPA ratio | 8.2% | 4.0% | 2.5% | 3.0% | ||||||
| NCO ratio | 3.7% | 3.7% | 1.0% | 1.6% | ||||||
| Commercial lease | Loans (% of total) | <1% | <1% | 7% | 7% | |||||
| NPA ratio | 9.5% | 3.5% | 1.2% | 1.4% | ||||||
| NCO ratio | NM | NM | NM | NM | ||||||
| Other | Loans (% of total) | <1% | <1% | <1% | <1% | |||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
| Total | Loans (% of total) | 8% | 17% | 75% | 100% | |||||
| NPA ratio | 14.6% | 5.7% | 4.0% | 5.2% | ||||||
| NCO ratio | 4.2% | 4.0% | 1.3% | 2.0% | ||||||
| C&I | Loans (% of total) | 4% | 9% | 47% | 59% | |||||
| NPA ratio | 8.2% | 4.0% | 2.5% | 3.0% | ||||||
| NCO ratio | 3.7% | 3.7% | 1.0% | 1.6% | ||||||
| Commercial mortgage | Loans (% of total) | 4% | 7% | 16% | 26% | |||||
| NPA ratio | 18.4% | 6.6% | 6.8% | 8.3% | ||||||
| NCO ratio | 3.3% | 4.7% | 1.7% | 2.7% | ||||||
| Commercial construction | Loans (% of total) | 1% | 1% | 5% | 7% | |||||
| NPA ratio | 25.1% | 15.3% | 14.4% | 16.2% | ||||||
| NCO ratio | 9.2% | 2.7% | 5.0% | 5.5% | ||||||
| Commercial lease | Loans (% of total) | <1% | <1% | 7% | 7% | |||||
| NPA ratio | 9.5% | 3.5% | 1.2% | 1.4% | ||||||
| NCO ratio | NM | NM | NM | NM | ||||||
| Other | Loans (% of total) | <1% | <1% | <1% | <1% | |||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | ||||||
| Total | Loans (% of total) | 8% | 17% | 75% | 100% | |||||
| NPA ratio | 14.6% | 5.7% | 4.0% | 5.2% | ||||||
| NCO ratio | 4.2% | 4.0% | 1.3% | 2.0% | ||||||
| Homebuilders / developers | Loans (% of total) | 1% | <1% | 2% | 3% | |||||
| (included in #’s above) | NPA ratio | 54.9% | 28.4% | 31.1% | 35.7% | |||||
| NCO ratio | 19.0% | 34.7% | 8.6% | 15.0% | ||||||
NPAs exclude loans held-for-sale
NPA ratio calculated as nonperforming assets/end-of-period loans
Note: Percentages may not sum due to rounding
10
| Total commercial loans ($43.7 billion) | ||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | ||||||||
| Other non-owner occupied | Loans (% of total) | <1% | 15% | 6% | <1% | 20% | ||||||
| RE | NPA ratio | 0.0% | 10.6% | 18.6% | 0.0% | 12.8% | ||||||
| NCO ratio | 0.0% | 3.6% | 6.9% | 0.0% | 4.5% | |||||||
| Owner-occupied RE | Loans (% of total) | <1% | 12% | 1% | <1% | 13% | ||||||
| NPA ratio | 0.0% | 5.4% | 5.2% | 0.0% | 5.4% | |||||||
| NCO ratio | 0.0% | 1.6% | NM | 0.0% | 1.4% | |||||||
| C&I | Loans (% of total) | 59% | <1% | <1% | <1% | 59% | ||||||
| NPA ratio | 3.0% | 0.0% | 0.0% | 0.0% | 3.0% | |||||||
| NCO ratio | 1.6% | 0.0% | 0.0% | 0.0% | 1.6% | |||||||
| Commercial lease | Loans (% of total) | <1% | <1% | <1% | 7% | 7% | ||||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 1.4% | 1.4% | |||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.4% | NM | |||||||
| Other | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | ||||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||
| Total | Loans (% of total) | 59% | 26% | 7% | 7% | 100% | ||||||
| NPA ratio | 3.0% | 8.3% | 16.2% | 1.4% | 5.2% | |||||||
| NCO ratio | 1.6% | 2.7% | 5.5% | NM | 2.0% | |||||||
| Homebuilders / developers | Loans (% of total) | 1% | 1% | 1% | <1% | 3% | ||||||
| (included in #’s above) | NPA ratio | 9.4% | 38.3% | 45.8% | 0.0% | 35.7% | ||||||
| NCO ratio | 3.2% | 16.5% | 18.6% | 0.0% | 15.0% | |||||||
NPAs exclude loans held-for-sale
NPA ratio calculated as nonperforming assets/end-of-period loans
Note: Percentages may not sum due to rounding
11
| Total commercial loans ($43.7 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) | 1% | 1% | 2% | 1% | 1% | 15% | 20% | ||||||||
| NPA ratio | 37.9% | 39.4% | 31.6% | 29.7% | 25.9% | 6.5% | 12.8% | |||||||||
| NCO ratio | 15.1% | 17.9% | 13.4% | 17.3% | 12.2% | 1.1% | 4.5% | |||||||||
| Owner-occupied RE | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | 12% | 13% | ||||||||
| NPA ratio | 0.0% | 59.5% | 7.9% | 0.0% | 0.8% | 5.3% | 5.4% | |||||||||
| NCO ratio | 0.0% | NM | 5.0% | 0.0% | 0.0% | 1.3% | 1.4% | |||||||||
| C&I | Loans (% of total) | <1% | <1% | 1% | <1% | <1% | 58% | 59% | ||||||||
| NPA ratio | 4.9% | 7.2% | 10.3% | 9.3% | 16.1% | 2.9% | 3.0% | |||||||||
| NCO ratio | 6.5% | 2.4% | 8.0% | 11.9% | NM | 1.4% | 1.6% | |||||||||
| Commercial lease | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | 7% | 7% | ||||||||
| NPA ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 1.4% | 1.4% | |||||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | NM | NM | |||||||||
| 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% | |||||||||
| NCO ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||||
| Total | Loans (% of total) | 1% | 1% | 3% | 1% | 1% | 93% | 100% | ||||||||
| NPA ratio | 33.6% | 38.2% | 22.9% | 23.0% | 23.6% | 3.7% | 5.2% | |||||||||
| NCO ratio | 14.2% | 16.8% | 11.0% | 15.4% | 10.4% | 1.2% | 2.0% | |||||||||
| Florida | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | 7% | 8% | ||||||||
| NPA ratio | 77.9% | 43.8% | 38.8% | 8.1% | 40.6% | 9.7% | 14.6% | |||||||||
| NCO ratio | NM | 20.8% | 27.0% | 1.7% | 6.2% | 2.5% | 4.2% | |||||||||
| Michigan | Loans (% of total) | <1% | <1% | <1% | <1% | <1% | 16% | 17% | ||||||||
| NPA ratio | 34.3% | 21.7% | 20.1% | 29.4% | 13.7% | 4.6% | 5.7% | |||||||||
| NCO ratio | 72.5% | 2.9% | 6.4% | 50.5% | 15.6% | 2.6% | 4.0% | |||||||||
| Other | Loans (% of total) | 1% | 1% | 2% | 1% | 1% | 71% | 73% | ||||||||
| NPA ratio | 22.9% | 38.4% | 20.6% | 27.0% | 16.0% | 2.9% | 4.0% | |||||||||
| NCO ratio | 3.8% | 17.4% | 8.4% | 12.7% | 11.6% | 0.8% | 1.3% | |||||||||
| Total | Loans (% of total) | 1% | 1% | 3% | 1% | 1% | 93% | 100% | ||||||||
| NPA ratio | 33.6% | 38.2% | 22.9% | 23.0% | 23.6% | 3.7% | 5.2% | |||||||||
| NCO ratio | 14.2% | 16.8% | 11.0% | 15.4% | 10.4% | 1.2% | 2.0% | |||||||||
| Homebuilders / developers | Loans (% of total) | 1% | 1% | 1% | <1% | <1% | <1% | 3% | ||||||||
| (included in #’s above) | NPA ratio | 33.6% | 38.2% | 45.6% | 0.0% | 0.0% | 7.1% | 35.7% | ||||||||
| NCO ratio | 13.5% | 15.5% | 20.9% | 0.0% | 0.0% | 4.2% | 15.0% | |||||||||
NPAs exclude loans held-for-sale
NPA ratio calculated as nonperforming assets/end-of-period loans
Note: Percentages may not sum due to rounding
12
| Total commercial loans ($43.7 billion) | ||||||||||||
| C&I | Commercial mortgage | Commercial construction | Other | Total | ||||||||
| Accommodation | Loans (% of total) | 1% | 1% | <1% | <1% | 2% | ||||||
| NPA ratio | 4.9% | 8.6% | 30.3% | 0.0% | 7.1% | |||||||
| NCO ratio | 3.5% | 2.9% | 3.4% | 0.0% | 3.2% | |||||||
| Auto manufacturing | Loans (% of total) | 1% | <1% | <1% | <1% | 1% | ||||||
| NPA ratio | 3.4% | 0.7% | 0.0% | 0.0% | 3.0% | |||||||
| NCO ratio | 2.2% | 0.0% | 0.0% | 0.0% | 1.8% | |||||||
| Construction | Loans (% of total) | 3% | 2% | 2% | <1% | 8% | ||||||
| NPA ratio | 7.1% | 23.8% | 28.9% | 0.4% | 18.4% | |||||||
| NCO ratio | 6.5% | 3.1% | 6.9% | 0.0% | 5.4% | |||||||
| Finance & insurance | Loans (% of total) | 9% | <1% | <1% | <1% | 9% | ||||||
| NPA ratio | 2.3% | 3.5% | 0.0% | 3.7% | 2.4% | |||||||
| NCO ratio | 0.3% | 0.4% | 0.0% | 0.0% | 0.3% | |||||||
| Manufacturing | Loans (% of total) | 13% | 1% | <1% | 1% | 15% | ||||||
| NPA ratio | 3.3% | 4.8% | 0.0% | 0.8% | 3.2% | |||||||
| NCO ratio | 0.6% | 0.6% | 0.0% | 0.6% | 0.6% | |||||||
| Real estate | Loans (% of total) | 4% | 13% | 4% | <1% | 21% | ||||||
| NPA ratio | 4.5% | 8.7% | 12.3% | 1.0% | 8.3% | |||||||
| NCO ratio | 3.7% | 3.4% | 5.5% | 0.0% | 3.8% | |||||||
| Retail trade | Loans (% of total) | 2% | 1% | <1% | <1% | 3% | ||||||
| NPA ratio | 2.5% | 5.9% | 3.4% | 0.0% | 3.5% | |||||||
| NCO ratio | 1.2% | 2.1% | 0.8% | 0.0% | 1.4% | |||||||
| Auto retailers | Loans (% of total) | 2% | 1% | <1% | <1% | 3% | ||||||
| NPA ratio | 1.9% | 10.8% | 7.9% | 0.0% | 4.1% | |||||||
| NCO ratio | 0.6% | 4.7% | 0.0% | 0.0% | 1.7% | |||||||
| Wholesale trade | Loans (% of total) | 5% | 1% | <1% | <1% | 6% | ||||||
| NPA ratio | 2.1% | 1.6% | 4.1% | 0.3% | 2.0% | |||||||
| NCO ratio | 0.5% | 1.1% | 0.0% | 0.0% | 0.5% | |||||||
| Other | Loans (% of total) | 21% | 6% | 1% | 5% | 33% | ||||||
| NPA ratio | 2.6% | 3.0% | 3.4% | 1.6% | 2.5% | |||||||
| NCO ratio | 1.8% | 1.4% | 4.9% | NM | 1.5% | |||||||
| Total | Loans (% of total) | 59% | 26% | 7% | 7% | 100% | ||||||
| NPA ratio | 3.0% | 8.3% | 16.2% | 1.4% | 5.2% | |||||||
| NCO ratio | 1.6% | 2.7% | 5.5% | NM | 2.0% | |||||||
NPAs exclude loans held-for-sale
NPA ratio calculated as nonperforming assets/end-of-period loans
Note: Percentages may not sum due to rounding
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| Total commercial loans ($43.7 billion) | ||||||||||
| Florida | Michigan | Other | Total | |||||||
| Accommodation | Loans (% of total) | <1% | <1% | 1% | 2% | |||||
| NPA ratio | 16.4% | 7.0% | 4.2% | 7.1% | ||||||
| NCO ratio | 8.6% | 1.6% | 2.1% | 3.2% | ||||||
| Auto manufacturing | Loans (% of total) | <1% | 1% | <1% | 1% | |||||
| NPA ratio | 0.0% | 5.1% | 0.1% | 3.0% | ||||||
| NCO ratio | 0.0% | 0.0% | 4.0% | 1.8% | ||||||
| Construction | Loans (% of total) | 1% | 1% | 6% | 8% | |||||
| NPA ratio | 36.0% | 13.3% | 16.7% | 18.4% | ||||||
| NCO ratio | 6.0% | 5.0% | 5.3% | 5.4% | ||||||
| Finance & insurance | Loans (% of total) | <1% | 1% | 8% | 9% | |||||
| NPA ratio | 3.3% | 3.0% | 2.2% | 2.4% | ||||||
| NCO ratio | 0.1% | 0.1% | 0.4% | 0.3% | ||||||
| Manufacturing | Loans (% of total) | <1% | 2% | 12% | 15% | |||||
| NPA ratio | 22.7% | 3.2% | 2.6% | 3.2% | ||||||
| NCO ratio | 0.7% | 3.1% | 0.1% | 0.6% | ||||||
| Real estate | Loans (% of total) | 3% | 5% | 13% | 21% | |||||
| NPA ratio | 22.2% | 7.7% | 5.6% | 8.3% | ||||||
| NCO ratio | 9.0% | 6.4% | 1.5% | 3.8% | ||||||
| Retail trade | Loans (% of total) | <1% | 1% | 2% | 3% | |||||
| NPA ratio | 6.0% | 7.0% | 1.9% | 3.5% | ||||||
| NCO ratio | 3.6% | 3.6% | 0.4% | 1.4% | ||||||
| Auto retailers | Loans (% of total) | <1% | <1% | 2% | 3% | |||||
| NPA ratio | 7.0% | 2.6% | 4.0% | 4.1% | ||||||
| NCO ratio | 0.2% | 9.3% | NM | 1.7% | ||||||
| Wholesale trade | Loans (% of total) | <1% | 1% | 5% | 6% | |||||
| NPA ratio | 0.4% | 2.1% | 2.1% | 2.0% | ||||||
| NCO ratio | 0.0% | 0.8% | 0.5% | 0.5% | ||||||
| Other | Loans (% of total) | 3% | 4% | 26% | 33% | |||||
| NPA ratio | 3.8% | 3.4% | 2.2% | 2.5% | ||||||
| NCO ratio | NM | 2.9% | 1.5% | 1.5% | ||||||
| Total | Loans (% of total) | 8% | 17% | 75% | 100% | |||||
| NPA ratio | 14.6% | 5.7% | 4.0% | 5.2% | ||||||
| NCO ratio | 4.2% | 4.0% | 1.3% | 2.0% | ||||||
NPAs exclude loans held-for-sale
NPA ratio calculated as nonperforming assets/end-of-period loans
Note: Percentages may not sum due to rounding
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Cautionary Statement
This report contains statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us.
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 nationally or in the states in which Fifth Third, one or more acquired entities and/or the combined company do 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) maintaining capital requirements may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third (10) competitive pressures among depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined company or the businesses in which Fifth Third, one or more acquired entities and/or the combined company are engaged; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial results of one or more acquired entities; (20) difficulties in separating Fifth Third Processing Solutions from Fifth Third; (21) loss of income from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth;(22) ability to secure confidential information through the use of computer systems and telecommunications networks; and (23) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity.
You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements.
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