Regions Bank 2012 Annual Report Download - page 173

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IMPAIRED LOANS
The following tables present details related to the Company’s impaired loans, with separate tables for non-accrual,
accrual and total 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, 2012
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 .......... $ 467 $ 62 $ 405 $ 63 $ 342 $128 40.7%
Commercial real estate mortgage—
owner-occupied ................ 503 64 439 44 395 148 42.1
Commercial real estate construction—
owner-occupied ................ 18 4 14 4 10 3 38.9
Total commercial ............. 988 130 858 111 747 279 41.4
Commercial investor real estate
mortgage ..................... 560 103 457 54 403 132 42.0
Commercial investor real estate
construction ................... 26 6 20 2 18 7 50.0
Total investor real estate ....... 586 109 477 56 421 139 42.3
Residential first mortgage .......... 152 55 97 — 97 13 44.7
Home equity .................... 32 11 21 — 21 2 40.6
Total consumer .............. 184 66 118 — 118 15 44.0
Total ........................... $1,758 $305 $1,453 $167 $1,286 $433 42.0%
Accruing Impaired Loans As of December 31, 2012
Unpaid
Principal
Balance(1)
Charge-
offs and
Payments
Applied(2)
Book
Value
Related
Allowance
for Loan
Losses Coverage %(4)
(Dollars in millions)
Commercial and industrial .................................... $ 299 $ 7 $ 292 $ 42 16.4%
Commercial real estate mortgage—owner-occupied ................ 213 4 209 25 13.6
Commercial real estate construction—owner-occupied ............. 1 — 1 — —
Total commercial ....................................... 513 11 502 67 15.2
Commercial investor real estate mortgage ........................ 782 10 772 97 13.7
Commercial investor real estate construction ..................... 107 — 107 16 15.0
Total investor real estate ................................. 889 10 879 113 13.8
Residential first mortgage .................................... 1,101 13 1,088 144 14.3
Home equity ............................................... 411 5 406 36 10.0
Indirect ................................................... 2 1 1 — 50.0
Other consumer ............................................ 40 — 40 1 2.5
Total consumer ......................................... 1,554 19 1,535 181 12.9
Total ..................................................... $2,956 $ 40 $2,916 $361 13.6%
157