Regions Bank 2012 Annual Report Download - page 176
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Total Impaired Loans As of December 31, 2011
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 .......... $ 758 $ 89 $ 669 $ 61 $ 608 $ 189 36.7%
Commercial real estate mortgage—
owner-occupied ................ 884 91 793 34 759 222 35.4
Commercial real estate construction—
owner-occupied ................ 39 12 27 1 26 10 56.4
Total commercial ............. 1,681 192 1,489 96 1,393 421 36.5
Commercial investor real estate
mortgage ...................... 1,732 143 1,589 63 1,526 397 31.2
Commercial investor real estate
construction ................... 376 56 320 23 297 143 52.9
Total investor real estate ........ 2,108 199 1,909 86 1,823 540 35.1
Residential first mortgage ........... 1,171 61 1,110 — 1,110 163 19.1
Home equity ..................... 454 14 440 — 440 62 16.7
Indirect ......................... 1 — 1 — 1 — —
Other consumer ................... 55 — 55 — 55 1 1.8
Total consumer ............... 1,681 75 1,606 — 1,606 226 17.9
Total impaired loans ............... $5,470 $466 $5,004 $182 $4,822 $1,187 30.2%
(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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