Regions Bank 2012 Annual Report Download - page 174
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Total Impaired Loans As of December 31, 2012
Book Value(3)
Unpaid
Principal
Balance(1)
Charge-offs
and Payments
Applied(2)
Total
Impaired
Loans
Impaired
Loans
with No
Related
Allowance
Impaired
Loans
with
Related
Allowance
Related
Allowance
for Loan
Losses Coverage %(4)
(Dollars in millions)
Commercial and industrial .......... $ 766 $ 69 $ 697 $ 63 $ 634 $170 31.2%
Commercial real estate mortgage—
owner-occupied ................ 716 68 648 44 604 173 33.7
Commercial real estate construction—
owner-occupied ................ 19 4 15 4 11 3 36.8
Total commercial ............. 1,501 141 1,360 111 1,249 346 32.4
Commercial investor real estate
mortgage ...................... 1,342 113 1,229 54 1,175 229 25.5
Commercial investor real estate
construction ................... 133 6 127 2 125 23 21.8
Total investor real estate ........ 1,475 119 1,356 56 1,300 252 25.2
Residential first mortgage ........... 1,253 68 1,185 — 1,185 157 18.0
Home equity ..................... 443 16 427 — 427 38 12.2
Indirect ......................... 2 1 1 — 1 — 50.0
Other consumer ................... 40 — 40 — 40 1 2.5
Total consumer ............... 1,738 85 1,653 — 1,653 196 16.2
Total impaired loans ............... $4,714 $345 $4,369 $167 $4,202 $794 24.2%
(1) Unpaid principal balance represents the contractual obligation due from the customer and includes the net
book value plus charge-offs and payments applied.
(2) Charge-offs and payments applied represents cumulative partial charge-offs taken, as well as interest
payments received that have been applied against the outstanding principal balance.
(3) Book value represents the unpaid principal balance less charge-offs and payments applied; it is shown
before any allowance for loan losses.
(4) Coverage % represents charge-offs and payments applied plus the related allowance as a percent of the
unpaid principal balance.
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