Regions Bank 2012 Annual Report Download - page 102
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Allocation of the allowance for loan losses by portfolio segment and class is summarized as follows:
Table 18—Allocation of the Allowance for Loan Losses
2012 2011 2010 2009 2008
Allocation
Amount
% Loans
in Each
Category
Allocation
Amount
% Loans
in Each
Category
Allocation
Amount
% Loans
in Each
Category
Allocation
Amount
% Loans
in Each
Category
Allocation
Amount
% Loans
in Each
Category
(Dollars in millions)
Commercial and
industrial ........... $ 497 36.1% $ 586 31.6% $ 641 27.2% $ 638 23.8% $ 466 24.2%
Commercial real estate
mortgage—owner
occupied ........... 342 13.6 427 14.4 395 14.5 328 13.3 172 12.0
Commercial real estate
construction—owner
occupied ........... 8 0.4 17 0.4 19 0.6 37 0.8 48 1.6
Total commercial . . 847 50.1 1,030 46.4 1,055 42.3 1,003 37.9 686 37.8
Commercial investor real
estate mortgage ...... 424 9.2 784 12.5 1,030 16.4 929 17.8 403 14.9
Commercial investor real
estate construction . . . 45 1.2 207 1.3 340 2.8 536 6.2 369 9.3
Total investor real
estate .......... 469 10.4 991 13.8 1,370 19.2 1,465 24.0 772 24.2
Residential first
mortgage ........... 254 17.5 282 17.8 295 18.0 213 17.2 87 16.3
Home equity .......... 252 16.0 356 16.8 414 17.2 374 17.0 235 16.5
Indirect .............. 20 3.2 17 2.4 17 1.9 26 2.7 28 4.0
Consumer credit card . . . 45 1.2 37 1.3 — — — — — —
Other consumer ....... 32 1.6 32 1.5 34 1.4 33 1.2 18 1.2
$1,919 100.0% $2,745 100.0% $3,185 100.0% $3,114 100.0% $1,826 100.0%
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