Regions Bank 2011 Annual Report Download - page 186

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IMPAIRED LOANS
The following tables present details related to the Company’s impaired loans. Loans deemed to be impaired
include non-accrual commercial and investor real estate loans, excluding leasing, and all TDRs (including
accruing commercial, investor real estate, and consumer TDRs). Loans which have been fully charged-off do not
appear in the tables below.
Non-accrual Impaired Loans As of December 31, 2011
Book Value(3)
Unpaid
Principal
Balance(1)
Charge-offs
and Payments
Applied(2)
Total
Impaired
Loans on
Non-
accrual
Status
Impaired
Loans on Non-
accrual Status
with No
Related
Allowance
Impaired
Loans on Non-
accrual Status
with Related
Allowance
Related
Allowance for
Loan Losses Coverage %(4)
(Dollars in millions)
Commercial and industrial .... $ 468 $ 88 $ 380 $ 61 $ 319 $129 46.4%
Commercial real estate
mortgage—owner
occupied ................. 679 88 591 34 557 192 41.2
Commercial real estate
construction—owner
occupied ................. 37 12 25 1 24 10 59.5
Total commercial ........ 1,184 188 996 96 900 331 43.8
Commercial investor real estate
mortgage ................ 870 136 734 63 671 223 41.3
Commercial investor real estate
construction .............. 236 56 180 23 157 62 50.0
Total investor real estate . . 1,106 192 914 86 828 285 43.1
Residential first mortgage ..... 146 49 97 — 97 15 43.8
Home equity ............... 26 10 16 — 16 2 46.2
Indirect .................... — — — — — — —
Other consumer ............. — — — — — — —
Total consumer ......... 172 59 113 — 113 17 44.2
Total ...................... $2,462 $439 $2,023 $182 $1,841 $633 43.5%
Accruing Impaired Loans As of December 31, 2011
Unpaid
Principal
Balance(1)
Charge-
offs and
Payments
Applied(2)
Book
Value(3)
Related
Allowance
for Loan
Losses Coverage %(4)
(Dollars in millions)
Commercial and industrial ................................. $ 290 $ 1 $ 289 $ 60 21.0%
Commercial real estate mortgage—owner occupied ............. 205 3 202 30 16.1
Commercial real estate construction—owner occupied ........... 2 — 2 — —
Total commercial .................................... 497 4 493 90 18.9
Commercial investor real estate mortgage ..................... 862 7 855 174 21.0
Commercial investor real estate construction .................. 140 — 140 81 57.9
Total investor real estate .............................. 1,002 7 995 255 26.1
Residential first mortgage ................................. 1,025 12 1,013 148 15.6
Home equity ............................................ 428 4 424 60 15.0
Indirect ................................................ 1 — 1 — —
Other consumer ......................................... 55 — 55 1 1.8
Total consumer ...................................... 1,509 16 1,493 209 14.9
Total .................................................. $3,008 $ 27 $2,981 $554 19.3%
162