Regions Bank 2010 Annual Report Download - page 116
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credit losses, which is based on the factors and risk identification procedures previously discussed, requires the
use of judgments and estimations that may change in the future. Changes in the factors used by management to
determine the adequacy of the allowance or the availability of new information could cause the allowance for
credit losses to be increased or decreased in future periods. In addition, bank regulatory agencies, as part of their
examination process, may require changes in the level of the allowance based on their judgments and estimates.
Details regarding the allowance for credit losses, including an analysis of activity from the previous year’s
total, are included in Table 24 “Allowance for Credit Losses.” Management expects the allowance for credit
losses to total loans ratio to vary over time due to changes in portfolio balances, economic conditions, loan mix
and collateral values, or variations in other factors that may affect inherent losses. Also, refer to Table 25
“Allocation of the Allowance for Loan Losses” for details pertaining to management’s allocation of the
allowance for loan losses to each loan category.
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