| LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES | LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES Loans and leases for which Huntington has the intent and ability to hold for the foreseeable future, or until maturity or payoff, are classified in the Unaudited Condensed Consolidated Balance Sheets as loans and leases. Except for loans which are accounted for at fair value, loans are carried at the principal amount outstanding, net of unamortized premiums and discounts and deferred loan fees and costs and purchase accounting adjustments, which resulted in a net premium of $179 million and $120 million at March 31, 2017 and December 31, 2016 , respectively. Loan and Lease Portfolio Composition The following table provides a detailed listing of Huntington’s loan and lease portfolio at March 31, 2017 and December 31, 2016 : (dollar amounts in thousands) March 31, December 31, Loans and leases: Commercial and industrial $ 28,175,924 $ 28,058,712 Commercial real estate 7,093,118 7,300,901 Automobile 11,155,094 10,968,782 Home equity 9,974,294 10,105,774 Residential mortgage 7,829,137 7,724,961 RV and marine finance 1,934,983 1,846,447 Other consumer 935,719 956,419 Loans and leases 67,098,269 66,961,996 Allowance for loan and lease losses (672,580 ) (638,413 ) Net loans and leases $ 66,425,689 $ 66,323,583 Purchased Credit-Impaired Loans The following table presents a rollforward of the accretable yield for purchased credit impaired loans for the three-month period ended March 31, 2017 : and 2016 : Three months ended (dollar amounts in thousands) 2017 FirstMerit Balance, beginning of period $ 36,669 Accretion (4,702 ) Reclassification (to) from nonaccretable difference 5,405 Balance, end of period $ 37,372 The following table reflects the ending and unpaid balances of the purchase credit impaired loans at March 31, 2017 and December 31, 2016 : March 31, 2017 December 31, 2016 (dollar amounts in thousands) Ending Unpaid Ending Unpaid FirstMerit Commercial and industrial $ 67,514 $ 97,946 $ 68,338 $ 100,031 Commercial real estate 22,597 38,045 34,042 56,320 Total $ 90,111 $ 135,991 $ 102,380 $ 156,351 NALs and Past Due Loans Loans are considered past due when the contractual amounts due with respect to principal and interest are not received within 30 days of the contractual due date. The following table presents NALs by loan class at March 31, 2017 and December 31, 2016 : (dollar amounts in thousands) March 31, December 31, Commercial and industrial $ 232,171 $ 234,184 Commercial real estate 13,889 20,508 Automobile 4,881 5,766 Home equity 69,575 71,798 Residential mortgage 80,686 90,502 RV and marine finance 106 245 Other consumer 2 — Total nonaccrual loans $ 401,310 $ 423,003 The following table presents an aging analysis of loans and leases, including past due loans, by loan class at March 31, 2017 and December 31, 2016 : (1) March 31, 2017 Past Due Loans Accounted for Under the Fair Value Option Total Loans 90 or (dollar amounts in thousands) 30-59 60-89 90 or Total Current Purchased Credit Impaired Commercial and industrial $ 77,998 $ 11,428 $ 77,392 $ 166,818 $ 27,941,592 $ 67,514 $ — $ 28,175,924 $ 15,054 (2) Commercial real estate 38,046 460 26,281 64,787 7,005,734 22,597 — 7,093,118 14,499 Automobile 70,564 15,517 8,331 94,412 11,058,889 — 1,793 11,155,094 8,123 Home equity 43,532 18,464 58,631 120,627 9,850,680 — 2,987 9,974,294 15,453 Residential mortgage 91,831 38,144 112,207 242,182 7,495,211 — 91,744 7,829,137 69,244 (3) RV and marine finance 10,101 3,064 2,202 15,367 1,918,199 — 1,417 1,934,983 2,200 Other consumer 9,234 3,766 3,369 16,369 918,949 — 401 935,719 3,370 Total loans and leases $ 341,306 $ 90,843 $ 288,413 $ 720,562 $ 66,189,254 $ 90,111 $ 98,342 $ 67,098,269 $ 127,943 December 31, 2016 Past Due Loans Accounted for Under the Fair Value Option Total Loans 90 or (dollar amounts in thousands) 30-59 60-89 90 or Total Current Purchased Commercial and industrial 42,052 20,136 74,174 136,362 27,854,012 68,338 — 28,058,712 18,148 (2) Commercial real estate 21,187 3,202 29,659 54,048 7,212,811 34,042 — 7,300,901 17,215 Automobile loans 76,283 17,188 10,442 103,913 10,862,715 — 2,154 10,968,782 10,182 Home equity 38,899 23,903 53,002 115,804 9,986,697 — 3,273 10,105,774 11,508 Residential mortgage 122,469 37,460 116,682 276,611 7,373,414 — 74,936 7,724,961 66,952 (3) RV and marine finance 10,009 2,230 1,566 13,805 1,831,123 — 1,519 1,846,447 1,462 Other consumer 9,442 4,324 3,894 17,660 938,322 — 437 956,419 3,895 Total loans and leases $ 320,341 $ 108,443 $ 289,419 $ 718,203 $ 66,059,094 $ 102,380 $ 82,319 $ 66,961,996 $ 129,362 (1) NALs are included in this aging analysis based on the loan’s past due status. (2) Amounts include Huntington Technology Finance administrative lease delinquencies. (3) Amounts include loans guaranteed by government organizations. Allowance for Credit Losses Huntington maintains two reserves, both of which reflect management’s judgment regarding the appropriate level necessary to absorb credit losses inherent in our loan and lease portfolio: the ALLL and the AULC. Combined, these reserves comprise the total ACL. The determination of the ACL requires significant estimates, including the timing and amounts of expected future cash flows on impaired loans and leases, consideration of current economic conditions, and historical loss experience pertaining to pools of homogeneous loans and leases, all of which may be susceptible to change. The appropriateness of the ACL is based on management’s current judgments about the credit quality of the loan portfolio. These judgments consider on-going evaluations of the loan and lease portfolio, including such factors as the differing economic risks associated with each loan category, the financial condition of specific borrowers, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or other documented support. Further, management evaluates the impact of changes in interest rates and overall economic conditions on the ability of borrowers to meet their financial obligations when quantifying our exposure to credit losses and assessing the appropriateness of our ACL at each reporting date. In addition to general economic conditions and the other factors described above, additional factors also considered include: the impact of increasing or decreasing commercial real estate values and the development of new or expanded Commercial business segments. Also, the ACL assessment includes the on-going assessment of credit quality metrics, and a comparison of certain ACL benchmarks to current performance. The ALLL consists of two components: (1) the transaction reserve, which includes a loan level allocation, specific reserves related to loans considered to be impaired, and loans involved in troubled debt restructurings, and (2) the general reserve. The transaction reserve component includes both (1) an estimate of loss based on pools of commercial and consumer loans and leases with similar characteristics, and (2) an estimate of loss based on an impairment review of each impaired C&I and CRE loan where obligor balance is greater than $1 million . For the C&I and CRE portfolios, the estimate of loss based on pools of loans and leases with similar characteristics is made by applying a PD factor and a LGD factor to each individual loan based on a regularly updated loan grade, using a standardized loan grading system. The PD factor and an LGD factor are determined for each loan grade using statistical models based on historical performance data. The PD factor considers on-going reviews of the financial performance of the specific borrower, including cash flow, debt-service coverage ratio, earnings power, debt level, and equity position, in conjunction with an assessment of the borrower’s industry and future prospects. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. These reserve factors are developed based on credit migration models that track historical movements of loans between loan ratings over time and a combination of long-term average loss experience of our own portfolio and external industry data. In the case of more homogeneous portfolios, such as automobile loans, home equity loans, residential mortgage loans and RV and marine finance, the determination of the transaction reserve also incorporates PD and LGD factors. The estimate of loss is based on pools of loans and leases with similar characteristics. The PD factor considers current credit scores unless the account is delinquent, in which case a higher PD factor is used. The credit score provides a basis for understanding the borrower’s past and current payment performance, and this information is used to estimate expected losses over the emergence period. The performance of first-lien loans ahead of our junior-lien loans is available to use as part of our updated score process. The LGD factor considers analysis of the type of collateral and the relative LTV ratio. Credit scores, models, analyses, and other factors used to determine both the PD and LGD factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as required. The general reserve consists of various risk-profile reserve components. The risk-profile component considers items unique to our structure, policies, processes, and portfolio composition, as well as qualitative measurements and assessments of the loan portfolios including, but not limited to, management quality, concentrations, portfolio composition, industry comparisons, and internal review functions. The estimate for the AULC is determined using the same procedures and methodologies as used for the ALLL. The loss factors used in the AULC are the same as the loss factors used in the ALLL while also considering a historical utilization of unused commitments. The AULC is reflected in accrued expenses and other liabilities in the Unaudited Condensed Consolidated Balance Sheets. The acquired loans were recorded at their fair value as of the acquisition date and the prior ALLL was eliminated. An ALLL for acquired loans is estimated using a methodology similar to that used for originated loans. The allowance determined for each acquired loan is compared to the remaining fair value adjustment for that loan. If the computed allowance is greater, the excess is added to the allowance through a provision for loan losses. If the computed allowance is less, no additional allowance is recognized. The ACL is increased through a provision for credit losses that is charged to earnings, based on Management’s quarterly evaluation of the factors previously mentioned, and is reduced by charge-offs, net of recoveries, and the ACL associated with loans sold or transferred to held for sale. The following table presents ALLL and AULC activity by portfolio segment for the three-month periods ended March 31, 2017 and 2016 : (dollar amounts in thousands) Commercial Consumer Total Three-month period ended March 31, 2017: ALLL balance, beginning of period $ 451,091 $ 187,322 $ 638,413 Loan charge-offs (23,669 ) (47,046 ) (70,715 ) Recoveries of loans previously charged-off 17,815 13,462 31,277 Provision (reduction in allowance) for loan and lease losses 35,145 38,534 73,679 Allowance for loans sold or transferred to loans held for sale (74 ) — (74 ) ALLL balance, end of period $ 480,308 $ 192,272 $ 672,580 AULC balance, beginning of period $ 86,543 $ 11,336 $ 97,879 Provision for (reduction in allowance) unfunded loan commitments and letters of credit 2,356 (8,397 ) (6,041 ) AULC balance, end of period $ 88,899 $ 2,939 $ 91,838 ACL balance, end of period $ 569,207 $ 195,211 $ 764,418 (dollar amounts in thousands) Commercial Consumer Total Three-month period ended March 31, 2016: ALLL balance, beginning of period $ 398,753 $ 199,090 $ 597,843 Loan charge-offs (28,949 ) (30,743 ) (59,692 ) Recoveries of loans previously charged-off 39,911 11,229 51,140 Provision for (reduction in allowance) loan and lease losses 12,726 11,612 24,338 Allowance for loans sold or transferred to loans held for sale — 90 90 ALLL balance, end of period $ 422,441 $ 191,278 $ 613,719 AULC balance, beginning of period $ 63,448 $ 8,633 $ 72,081 Provision for (reduction in allowance) unfunded loan commitments and letters of credit 2,424 820 3,244 AULC balance, end of period $ 65,872 $ 9,453 $ 75,325 ACL balance, end of period $ 488,313 $ 200,731 $ 689,044 Any loan in any portfolio may be charged-off prior to the policies described below if a loss confirming event has occurred. Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment. Additionally, discharged, collateral dependent non-reaffirmed debt in Chapter 7 bankruptcy filings will result in a charge-off to estimated collateral value, less anticipated selling costs. C&I and CRE loans are either fully or partially charged-off at 90 -days past due. Automobile, RV and marine finance loans and other consumer loans are charged-off at 120 -days past due. First-lien and junior-lien home equity loans are charged-off to the estimated fair value of the collateral, less anticipated selling costs, at 150 -days past due and 120 -days past due, respectively. Residential mortgages are charged-off to the estimated fair value of the collateral at 150 -days past due. Credit Quality Indicators To facilitate the monitoring of credit quality for C&I and CRE loans, and for purposes of determining an appropriate ACL level for these loans, Huntington utilizes the following internally defined categories of credit grades: Pass - Higher quality loans that do not fit any of the other categories described below. OLEM - The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the loan may weaken or the collateral may be inadequate to protect Huntington’s position in the future. Substandard - Inadequately protected loans by the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. It is likely Huntington will sustain some loss if any identified weaknesses are not mitigated. Doubtful - Loans that have all of the weaknesses inherent in those loans classified as Substandard, with the added elements of the full collection of the loan is improbable and that the possibility of loss is high. The categories above, which are derived from standard regulatory rating definitions, are assigned upon initial approval of the loan or lease and subsequently updated as appropriate. Commercial loans categorized as OLEM, Substandard, or Doubtful are considered Criticized loans. Commercial loans categorized as Substandard or Doubtful are both considered Classified loans. For all classes within the consumer loan portfolios, each loan is assigned a specific PD factor that is partially based on the borrower’s most recent credit bureau score, which we update quarterly. A credit bureau score is a credit score developed by Fair Isaac Corporation based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following table presents each loan and lease class by credit quality indicator at March 31, 2017 and December 31, 2016 : March 31, 2017 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial Commercial and industrial $ 26,216,400 $ 808,467 $ 1,131,835 $ 19,222 $ 28,175,924 Commercial real estate 6,867,440 120,212 103,983 1,483 7,093,118 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Consumer Automobile $ 5,445,124 $ 4,254,397 $ 1,172,859 $ 280,921 $ 11,153,301 Home equity 6,131,710 2,924,593 631,268 283,736 9,971,307 Residential mortgage 4,643,664 2,406,782 611,675 75,272 7,737,393 RV and marine finance 1,179,561 699,701 16,202 38,102 1,933,566 Other consumer 333,683 440,599 142,515 18,521 935,318 December 31, 2016 Credit Risk Profile by UCS Classification (dollar amounts in thousands) Pass OLEM Substandard Doubtful Total Commercial Commercial and industrial $ 26,211,885 $ 810,287 $ 1,028,819 $ 7,721 $ 28,058,712 Commercial real estate 7,042,304 96,975 159,098 2,524 7,300,901 Credit Risk Profile by FICO Score (1), (2) 750+ 650-749 <650 Other (3) Total Consumer Automobile $ 5,369,085 $ 4,043,611 $ 1,298,460 $ 255,472 $ 10,966,628 Home equity 6,280,328 2,891,330 637,560 293,283 10,102,501 Residential mortgage 4,662,777 2,285,121 615,067 87,060 7,650,025 RV and marine finance 1,064,143 644,039 72,995 63,751 1,844,928 Other consumer 346,867 455,959 133,243 19,913 955,982 (1) Excludes loans accounted for under the fair value option. (2) Reflects most recent customer credit scores. (3) Reflects deferred fees and costs, loans in process, loans to legal entities, etc. Impaired Loans For all classes within the C&I and CRE portfolios, all loans with an obligor balance of $1 million or greater are evaluated on a quarterly basis for impairment. Generally, consumer loans within any class are not individually evaluated on a regular basis for impairment. However, certain home equity and residential mortgage loans are measured for impairment based on the underlying collateral value. All TDRs, regardless of the outstanding balance amount, are also considered to be impaired. Loans acquired with evidence of deterioration of credit quality since origination for which it is probable at acquisition that all contractually required payments will not be collected are also considered to be impaired. Once a loan has been identified for an assessment of impairment, the loan is considered impaired when, based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. This determination requires significant judgment and use of estimates, and the eventual outcome may differ significantly from those estimates. When a loan in any class has been determined to be impaired, the amount of the impairment is measured using the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, the observable market price of the loan, or the fair value of the collateral, less anticipated selling costs, if the loan is collateral dependent. When the present value of expected future cash flows is used, the effective interest rate is the original contractual interest rate of the loan adjusted for any cost, fee, premium, or discount. When the contractual interest rate is variable, the effective interest rate of the loan changes over time. A specific reserve is established as a component of the ALLL when a loan has been determined to be impaired. Subsequent to the initial measurement of impairment, if there is a significant change to the impaired loan’s expected future cash flows, or if actual cash flows are significantly different from the cash flows previously estimated, Huntington recalculates the impairment and appropriately adjusts the specific reserve. Similarly, if Huntington measures impairment based on the observable market price of an impaired loan or the fair value of the collateral of an impaired collateral dependent loan, Huntington will adjust the specific reserve. When a loan within any class is impaired, the accrual of interest income is discontinued unless the receipt of principal and interest is no longer in doubt. Interest income on TDRs is accrued when all principal and interest is expected to be collected under the post-modification terms. Cash receipts on nonaccruing impaired loans within any class are generally applied entirely against principal until the loan has been collected in full (including already charged-off portion), after which time any additional cash receipts are recognized as interest income. Cash receipts on accruing impaired loans within any class are applied in the same manner as accruing loans that are not considered impaired. The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance at March 31, 2017 and December 31, 2016 : (dollar amounts in thousands) Commercial Consumer Total ALLL at March 31, 2017: Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 24,519 $ 11,888 $ 36,407 Attributable to loans collectively evaluated for impairment 455,789 180,384 636,173 Total ALLL balance $ 480,308 $ 192,272 $ 672,580 Loan and Lease Ending Balances at March 31, 2017: (1) Portion of loan and lease ending balance: Purchased credit-impaired loans $ 90,111 $ — $ 90,111 Individually evaluated for impairment 425,793 457,790 883,583 Collectively evaluated for impairment 34,753,138 31,273,095 66,026,233 Total loans and leases evaluated for impairment $ 35,269,042 $ 31,730,885 $ 66,999,927 (dollar amounts in thousands) Commercial Consumer Total ALLL at December 31, 2016 Portion of ALLL balance: Attributable to loans individually evaluated for impairment $ 10,525 $ 11,021 $ 21,546 Attributable to loans collectively evaluated for impairment 440,566 176,301 616,867 Total ALLL balance: $ 451,091 $ 187,322 $ 638,413 Loan and Lease Ending Balances at December 31, 2016 (1) Portion of loan and lease ending balances: Purchased credit-impaired loans $ 102,380 $ — $ 102,380 Individually evaluated for impairment 415,624 457,890 873,514 Collectively evaluated for impairment 34,841,609 31,062,174 65,903,783 Total loans and leases evaluated for impairment $ 35,359,613 $ 31,520,064 $ 66,879,677 (1) Excludes loans accounted for under the fair value option. The following tables present by class the ending, unpaid principal balance, and the related ALLL, along with the average balance and interest income recognized only for impaired loans and leases and purchased credit-impaired loans: (1), (2) March 31, 2017 Three months ended (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 250,789 $ 290,673 $ — $ 275,409 $ 4,500 Commercial real estate 86,621 117,745 — 85,829 2,000 Automobile — — — — — Home equity — — — — — Residential mortgage — — — — — RV and marine finance — — — — — Other consumer — — — — — With an allowance recorded: Commercial and industrial (3) 278,368 306,613 33,678 334,179 1,906 Commercial real estate (4) 41,416 49,444 2,810 69,094 467 Automobile 32,731 32,942 2,004 31,846 534 Home equity (6) 326,755 360,622 16,232 323,079 3,949 Residential mortgage (6) (7) 349,527 383,685 14,217 338,640 3,110 RV and marine finance 687 710 26 343 11 Other consumer 4,245 4,245 248 4,071 57 Total Commercial and industrial 529,157 597,286 33,678 609,588 6,406 Commercial real estate 128,037 167,189 2,810 154,923 2,467 Automobile 32,731 32,942 2,004 31,846 534 Home equity 326,755 360,622 16,232 323,079 3,949 Residential mortgage 349,527 383,685 14,217 338,640 3,110 RV and marine finance 687 710 26 343 11 Other consumer 4,245 4,245 248 4,071 57 December 31, 2016 Three months ended (dollar amounts in thousands) Ending Balance Unpaid Principal Balance (5) Related Allowance Average Balance Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 299,606 $ 358,712 $ — $ 261,144 $ 1,233 Commercial real estate 88,817 126,152 — 71,807 1,616 Automobile — — — — — Home equity — — — — — Residential mortgage — — — 1,473 2 RV and marine finance — — — — — Other consumer — — — 45 102 With an allowance recorded: Commercial and industrial (3) 406,243 448,121 22,259 264,084 3,086 Commercial real estate (4) 97,238 107,512 3,434 79,857 758 Automobile 30,961 31,298 1,850 32,284 578 Home equity (6) 319,404 352,722 15,032 250,016 2,968 Residential mortgage (6) (7) 327,753 363,099 12,849 362,280 3,036 RV and marine finance — — — — — Other consumer 3,897 3,897 260 4,799 66 Total Commercial and industrial 705,849 806,833 22,259 525,228 4,319 Commercial real estate 186,055 233,664 3,434 151,664 2,374 Automobile 30,961 31,298 1,850 32,284 578 Home equity 319,404 352,722 15,032 250,016 2,968 Residential mortgage 327,753 363,099 12,849 363,753 3,038 RV and marine finance — — — — — Other consumer 3,897 3,897 260 4,844 168 (1) These tables do not include loans fully charged-off. (2) All automobile, RV and marine finance and other consumer impaired loans included in these tables are considered impaired due to their status as a TDR. (3) At March 31, 2017 and December 31, 2016 , commercial and industrial loans with an allowance recorded of $117 million and $293 million , respectively, were considered impaired due to their status as a TDR. (4) At March 31, 2017 and December 31, 2016 , commercial real estate loans with an allowance recorded of $24 million and $81 million , respectively, were considered impaired due to their status as a TDR. (5) The differences between the ending balance and unpaid principal balance amounts represent partial charge-offs. (6) Includes home equity and residential mortgages considered to be collateral dependent as well as home equity and mortgage loans considered impaired due to their status as a TDR. (7) At March 31, 2017 and December 31, 2016 , residential mortgage loans with an allowance recorded of $30 million and $29 million , respectively, were guaranteed by the U.S. government. TDR Loans TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided are not available to the borrower through either normal channels or other sources. However, not all loan modifications are TDRs. Acquired, non-purchased credit impaired loan are only considered for TDR reporting for modifications made subsequent to acquisition. The following table presents by class and by the reason for the modification, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month periods ended March 31, 2017 an 2016 : New Troubled Debt Restructurings During The Three-Month Period Ended (1) March 31, 2017 March 31, 2016 (dollar amounts in thousands) Number of Contracts Post-modification Outstanding Ending Balance Financial effects of modification (2) Number of Contracts Post-modification Outstanding Ending Balance Financial effects of modification (2) Commercial and industrial: Interest rate reduction 1 $ 19 $ 6 1 $ 17 $ (1 ) Amortization or maturity date change 236 112,425 (1,002 ) 184 122,658 572 Other 3 160 (27 ) 8 858 (4 ) Total Commercial and industrial 240 112,604 (1,023 ) 193 123,533 567 Commercial real estate: Interest rate reduction — — — — — — Amortization or maturity date change 24 31,263 (388 ) 24 33,795 (559 ) Other — — — 2 263 16 Total commercial real estate: 24 31,263 (388 ) 26 34,058 (543 ) Automobile: Interest rate reduction 14 178 5 4 42 2 Amortization or maturity date change 477 4,301 111 421 3,901 220 Chapter 7 bankruptcy 240 1,822 29 317 2,562 115 Other — — — — — — Total Automobile 731 6,301 145 742 6,505 337 Home equity: Interest rate reduction 8 562 7 20 1,384 67 Amortization or maturity date change 106 5,496 (674 ) 229 11,890 (1,282 ) Chapter 7 bankruptcy 87 3,619 1,038 99 3,597 733 Other 58 3,729 (326 ) — — — Total Home equity 259 13,406 45 348 16,871 (482 ) Residential mortgage: Interest rate reduction 2 110 (9 ) 5 657 (32 ) Amortization or maturity date change 99 11,071 (258 ) 92 10,759 (577 ) Chapter 7 bankruptcy 24 2,691 (136 ) 17 1,505 70 Other 16 1,920 14 — — — Total Residential mortgage 141 15,792 (389 ) 114 12,921 (539 ) RV and marine finance: Interest rate reduction — — — — — — Amortization or maturity date change 14 476 12 — — — Chapter 7 bankruptcy 15 210 4 — — — Other — — — — — — Total RV and marine finance 29 686 16 — — — Other consumer: Interest rate reduction 1 78 2 — — — Amortization or maturity date change 2 267 7 4 555 24 Chapter 7 bankruptcy 1 4 — 7 66 7 Other — — — — — — Total Other consumer 4 349 9 11 621 31 Total new troubled debt restructurings 1,428 $ 180,401 $ (1,585 ) 1,434 $ 194,509 $ (629 ) (1) TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2) Amount represents the financial impact via provision for loan and lease losses as a result of the modification. Pledged Loans and Leases At March 31, 2017 , the Bank has access to the Federal Reserve’s discount window and advances from the FHLB – Cincinnati. As of March 31, 2017 , these borrowings and advances are secured by $29.3 billion of loans and securities. On March 31, 2015, Huntington completed its acquisition of Macquarie Equipment Finance, which we have re-branded Huntington Technology Finance. Huntington assumed debt associated with a related securitization. As of March 31, 2017 , the debt is secured by $55 million of leases held by the trust. |
