Regions Bank 2012 Annual Report Download - page 171
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Substandard accrual and non-accrual loans are often collectively referred to as “classified.” Special mention,
substandard accrual, and non-accrual loans are often collectively referred to as “criticized and classified.” Classes
in the consumer portfolio segment are disaggregated by accrual status.
December 31, 2012
Pass
Special
Mention
Substandard
Accrual Non-accrual Total
(In millions)
Commercial and industrial ........................... $25,225 $560 $480 $409 $26,674
Commercial real estate mortgage—owner-occupied ....... 8,976 240 440 439 10,095
Commercial real estate construction—owner-occupied ..... 278 3 7 14 302
Total commercial .............................. $34,479 $803 $927 $862 $37,071
Commerical investor real estate mortgage ............... $ 5,089 $435 $827 $457 $ 6,808
Commercial investor real estate construction ............. 733 98 63 20 914
Total investor real estate ......................... $ 5,822 $533 $890 $477 $ 7,722
Accrual Non-accrual Total
(In millions)
Residential first mortgage ........................................... $12,749 $214 $12,963
Home equity ..................................................... 11,672 128 11,800
Indirect ......................................................... 2,336 — 2,336
Consumer credit card .............................................. 906 — 906
Other consumer ................................................... 1,197 — 1,197
Total consumer ............................................... $28,860 $342 $29,202
$73,995
December 31, 2011
Pass
Special
Mention
Substandard
Accrual Non-accrual Total
(In millions)
Commercial and industrial ........................... $22,952 $479 $ 634 $ 457 $24,522
Commercial real estate mortgage—owner-occupied ....... 9,773 262 541 590 11,166
Commercial real estate construction—owner-occupied ..... 275 27 10 25 337
Total commercial .............................. $33,000 $768 $1,185 $1,072 $36,025
Commercial investor real estate mortgage ............... $ 6,851 $756 $1,361 $ 734 $ 9,702
Commercial investor real estate construction ............. 531 113 201 180 1,025
Total investor real estate ......................... $ 7,382 $869 $1,562 $ 914 $10,727
Accrual Non-accrual Total
(In millions)
Residential first mortgage ........................................... $13,534 $250 $13,784
Home equity ..................................................... 12,885 136 13,021
Indirect ......................................................... 1,848 — 1,848
Consumer credit card .............................................. 987 — 987
Other consumer ................................................... 1,202 — 1,202
Total consumer ............................................... $30,456 $386 $30,842
$77,594
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