Regions Bank 2012 Annual Report Download - page 106

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The following table provides an analysis of non-accrual loans (excluding loans held for sale) by portfolio
segment for the year ended December 31, 2012:
Table 21—Analysis of Non-Accrual Loans
Non-Accrual Loans, Excluding Loans Held for Sale
Year Ended December 31, 2012
Commercial
Investor
Real Estate Consumer (1) Total
(In millions)
Balance at beginning of year ............................. $1,072 $ 914 $386 $2,372
Additions ........................................ 841 698 (30) 1,509
Net payments/other activity .......................... (348) (427) — (775)
Return to accrual .................................. (101) (213) — (314)
Charge-offs on non-accrual loans (2) .................... (390) (261) (6) (657)
Transfers to held for sale (3) .......................... (120) (178) (4) (302)
Transfers to foreclosed properties ..................... (67) (28) — (95)
Sales ............................................ (25) (28) (4) (57)
Balance at end of year .................................. $ 862 $477 $342 $1,681
(1) All net activity within the consumer portfolio segment other than sales and transfers to held for sale is
included as a single net number within the additions line, due to the relative immateriality of consumer non-
accrual loans.
(2) Includes charge-offs on loans on non-accrual status and charge-offs taken upon sale and transfer of non-
accrual loans to held for sale.
(3) Transfers to held for sale are shown net of charge-offs of $163 million recorded upon transfer.
The following table provides an analysis of non-performing loans held for sale for the years ended 2012 and
2011:
Table 22—Non-Performing Loans Held For Sale
Year Ended December 31
2012 2011
(In millions)
Balance at beginning of period ...................................... $328 $304
Transfers in (1) ............................................... 302 778
Sales ...................................................... (470) (666)
Writedowns ................................................. (9) (16)
Loans moved from held for sale/other activity ...................... (29) (40)
Transfers to foreclosed properties ............................... (33) (32)
Balance at end of period ........................................... $ 89 $328
(1) During the third quarter of 2011, there were $12 million in transfers from accruing loans held for sale to
non-performing loans held for sale.
For additional discussion, see Note 6 “Allowance for Credit Losses” to the consolidated financial
statements.
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