EX-99.4 5 dex994.htm THIRD QUARTER 2008 PORTFOLIO LOAN AND LEASE STRATIFICATIONS Third Quarter 2008 Portfolio Loan and Lease Stratifications

Exhibit 99.4

LOGO

Third Quarter 2008 Portfolio Loan and Lease Stratifications

LOGO

Third Quarter 2008 Portfolio Loan and Lease Stratifications Consumer

 

2

LOGO

 

Brokered home equity - Includes retail brokered and HEA ($2.4 billion)
Combined loan-to-value (origination)
          <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total

Florida

   

Loans (% of total)

    1%   1%   1%   <1%   1%   3%
  

NPA + 90+ ratio

    4.7%   8.7%   7.9%   8.5%   13.2%   9.2%
  

YTD NCO ratio

    20.1%   5.0%   16.3%   21.6%   26.0%   17.9%

Michigan

   

Loans (% of total)

    2%   2%   5%   4%   7%   20%
  

NPA + 90+ ratio

    5.3%   3.1%   4.5%   4.0%   5.4%   4.7%
  

YTD NCO ratio

    5.2%   3.0%   4.1%   4.7%   7.4%   5.3%

Other

   

Loans (% of total)

    7%   9%   17%   11%   33%   76%
  

NPA + 90+ ratio

    2.8%   4.0%   2.9%   2.8%   4.8%   3.8%
  

YTD NCO ratio

    3.4%   2.4%   2.6%   3.6%   5.1%   3.9%

Total

   

Loans (% of total)

    10%   12%   22%   15%   41%   100%
  

NPA + 90+ ratio

    3.5%   4.1%   3.4%   3.2%   5.1%   4.2%
  

YTD NCO ratio

    4.8%   2.7%   3.4%   4.2%   6.0%   4.6%

1sts

   

Loans (% of total)

    4%   3%   2%   <1%   3%   14%
  

NPA + 90+ ratio

    3.3%   6.7%   9.2%   5.1%   12.9%   7.6%
  

YTD NCO ratio

    2.7%   2.1%   3.2%   7.1%   4.9%   3.3%

2nds

   

Loans (% of total)

    5%   9%   20%   14%   38%   86%
  

NPA + 90+ ratio

    3.5%   3.1%   2.7%   3.2%   4.5%   3.7%
  

YTD NCO ratio

    6.3%   2.9%   3.4%   4.1%   6.1%   4.8%

Total

   

Loans (% of total)

    10%   12%   22%   15%   41%   100%
  

NPA + 90+ ratio

    3.5%   4.1%   3.4%   3.2%   5.1%   4.2%
  

YTD NCO ratio

    4.8%   2.7%   3.4%   4.2%   6.0%   4.6%

HE loans

   

Loans (% of total)

    2%   3%   5%   3%   12%   26%
  

NPA + 90+ ratio

    6.2%   4.8%   5.0%   2.9%   6.4%   5.4%
  

YTD NCO ratio

    13.2%   2.6%   2.9%   3.8%   5.2%   5.0%

HELOCs

   

Loans (% of total)

    7%   9%   18%   12%   29%   74%
  

NPA + 90+ ratio

    2.6%   3.9%   3.0%   3.3%   4.6%   3.8%
  

YTD NCO ratio

    2.3%   2.7%   3.5%   4.4%   6.3%   4.5%

Total

   

Loans (% of total)

    10%   12%   22%   15%   41%   100%
  

NPA + 90+ ratio

    3.5%   4.1%   3.4%   3.2%   5.1%   4.2%
  

YTD NCO ratio

    4.8%   2.7%   3.4%   4.2%   6.0%   4.6%

<660#

   

Loans (% of total)

    1%   1%   1%   1%   1%   4%
  

NPA + 90+ ratio

    7.7%   19.2%   7.7%   10.3%   10.2%   10.3%
  

YTD NCO ratio

    17.4%   14.3%   9.5%   6.7%   9.9%   10.8%

660-689

   

Loans (% of total)

    1%   1%   3%   2%   5%   12%
  

NPA + 90+ ratio

    6.9%   4.7%   7.1%   4.6%   8.8%   7.2%
  

YTD NCO ratio

    11.4%   2.9%   6.6%   6.9%   7.7%   7.1%

690-719

   

Loans (% of total)

    1%   2%   4%   3%   10%   21%
  

NPA + 90+ ratio

    4.6%   4.0%   5.1%   4.0%   6.5%   5.5%
  

YTD NCO ratio

    8.4%   4.2%   3.5%   6.6%   7.0%   6.0%

720-749

   

Loans (% of total)

    2%   3%   5%   4%   11%   23%
  

NPA + 90+ ratio

    5.3%   6.1%   3.0%   3.2%   4.3%   4.1%
  

YTD NCO ratio

    6.4%   2.8%   3.9%   3.6%   6.9%   5.3%

750+

   

Loans (% of total)

    5%   6%   9%   6%   13%   39%
  

NPA + 90+ ratio

    1.1%   1.8%   1.3%   1.5%   2.7%   1.9%
  

YTD NCO ratio

    0.7%   0.9%   1.4%   2.3%   3.5%   2.1%

Other^

   

Loans (% of total)

    <1%   <1%   <1%   <1%   <1%   <1%
  

NPA + 90+ ratio

    10.6%   0.0%   0.0%   0.0%   10.8%   8.8%
  

YTD NCO ratio

    3.8%   0.0%   0.0%   0.0%   2.3%   2.9%

Total

   

Loans (% of total)

    10%   12%   22%   15%   41%   100%
  

NPA + 90+ ratio

    3.5%   4.1%   3.4%   3.2%   5.1%   4.2%
  

YTD NCO ratio

    4.8%   2.7%   3.4%   4.2%   6.0%   4.6%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

Note: All consumer YTD net charge-off ratios throughout this document are calculated using third quarter end of period loan balances Nate: Percentages may not sum due to rounding

 

3

LOGO

 

Retail direct home equity ($10.2 billion)  
Combined loan-to-value (origination)  
          <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total  

Florida

   

Loans (% of total)

    5%   2%   1%   <1%   <1%   9%  
  

NPA + 90+ ratio

    1.8%   3.0%   4.2%   4.8%   6.4%   2.7%  
  

YTD NCO ratio

    0.7%   1.8%   5.9%   6.0%   8.8%   2.1%  

Michigan

   

Loans (% of total)

    9%   5%   4%   2%   2%   22%  
  

NPA + 90+ ratio

    1.9%   1.9%   2.5%   4.2%   3.7%   2.4%  
  

YTD NCO ratio

    0.6%   1.1%   2.0%   2.9%   3.0%   1.4%  

Other

   

Loans (% of total)

    28%   15%   13%   5%   9%   70%  
  

NPA + 90+ ratio

    1.1%   1.3%   1.9%   1.2%   2.2%   1.4%  
  

YTD NCO ratio

    0.4%   0.5%   0.7%   1.1%   1.7%   0.7%  

Total

   

Loans (% of total)

    41%   22%   18%   7%   12%   100%  
  

NPA + 90+ ratio

    1.4%   1.6%   2.1%   2.0%   2.7%   1.8%  
  

YTD NCO ratio

    0.5%   0.7%   1.3%   1.7%   2.2%   0.9%  

1sts

   

Loans (% of total)

    16%   7%   3%   1%   1%   26%  
  

NPA + 90+ ratio

    1.1%   1.7%   3.9%   4.4%   5.3%   1.7%  
  

YTD NCO ratio

    0.4%   0.7%   1.1%   0.8%   2.4%   0.6%  

2nds

   

Loans (% of total)

    26%   15%   15%   7%   11%   74%  
  

NPA + 90+ ratio

    1.6%   1.5%   1.8%   1.8%   2.5%   1.8%  
  

YTD NCO ratio

    0.5%   0.7%   1.3%   1.8%   2.2%   1.1%  

Total

   

Loans (% of total)

    41%   22%   18%   7%   12%   100%  
  

NPA + 90+ ratio

    1.4%   1.6%   2.1%   2.0%   2.7%   1.8%  
  

YTD NCO ratio

    0.5%   0.7%   1.3%   1.7%   2.2%   0.9%  

HE loans

   

Loans (% of total)

    6%   3%   3%   1%   2%   15%  
  

NPA + 90+ ratio

    1.9%   2.0%   2.6%   2.7%   2.6%   2.2%  
  

YTD NCO ratio

    0.6%   0.8%   0.9%   1.5%   2.0%   1.0%  

HELOCs

   

Loans (% of total)

    35%   19%   15%   6%   9%   85%  
  

NPA + 90+ ratio

    1.3%   1.5%   2.1%   1.9%   2.7%   1.7%  
  

YTD NCO ratio

    0.4%   0.7%   1.4%   1.7%   2.2%   0.9%  

Total

   

Loans (% of total)

    41%   22%   18%   7%   12%   100%  
  

NPA + 90+ ratio

    1.4%   1.6%   2.1%   2.0%   2.7%   1.8%  
  

YTD NCO ratio

    0.5%   0.7%   1.3%   1.7%   2.2%   0.9%  

< 660#

   

Loans (% of total)

    1%   1%   1%   <1%   1%   4%  
  

NPA + 90+ ratio

    6.2%   6.3%   6.0%   5.7%   8.1%   6.4%  
  

YTD NCO ratio

    1.5%   2.5%   2.5%   5.2%   4.8%   2.8%  

660-689

   

Loans (% of total)

    2%   2%   2%   1%   1%   7%  
  

NPA + 90+ ratio

    3.0%   3.5%   5.8%   4.8%   5.2%   4.3%  
  

YTD NCO ratio

    1.1%   2.3%   3.2%   2.3%   4.8%   2.6%  

690-719

   

Loans (% of total)

    3%   3%   3%   1%   2%   12%  
  

NPA + 90+ ratio

    2.1%   3.2%   3.1%   3.5%   3.8%   3.0%  
  

YTD NCO ratio

    0.6%   1.2%   1.9%   2.5%   2.7%   1.6%  

720-749

   

Loans (% of total)

    4%   4%   4%   2%   3%   16%  
  

NPA + 90+ ratio

    1.1%   1.9%   2.4%   1.7%   2.1%   1.8%  
  

YTD NCO ratio

    0.5%   0.9%   1.3%   1.9%   2.1%   1.2%  

750+

   

Loans (% of total)

    18%   13%   9%   3%   5%   48%  
  

NPA + 90+ ratio

    0.4%   0.5%   0.7%   0.8%   0.9%   0.6%  
  

YTD NCO ratio

    0.2%   0.2%   0.6%   0.9%   0.9%   0.4%  

Other^

   

Loans (% of total)

    13%   <1%   <1%   <1%   <1%   13%  
  

NPA + 90+ ratio

    2.0%   2.8%   1.1%   0.3%   4.3%   2.0%  
  

YTD NCO ratio

    0.6%   0.0%   0.4%   1.2%   0.3%   0.6%  

Total

   

Loans (% of total)

    41%   22%   18%   7%   12%   100%  
  

NPA + 90+ ratio

    1.4%   1.6%   2.1%   2.0%   2.7%   1.8%  
  

YTD NCO ratio

    0.5%   0.7%   1.3%   1.7%   2.2%   0.9 %

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

 

4

LOGO

 

Total home equity ($12.6 billion)
Combined loan-to-value (origination)
          <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total

Florida

   

Loans (% of total)

    4%   2%   1%   <1%   1%   8%
  

NPA + 90+ ratio

    1.9%   3.5%   4.7%   5.4%   9.0%   3.2%
  

YTD NCO ratio

    1.2%   2.0%   7.3%   8.6%   15.4%   3.4%

Michigan

   

Loans (% of total)

    7%   4%   4%   2%   3%   21%
  

NPA + 90+ ratio

    2.1%   2.1%   3.0%   4.1%   4.4%   2.8%
  

YTD NCO ratio

    0.8%   1.3%   2.5%   3.4%   4.8%   2.1%

Other

   

Loans (% of total)

    24%   14%   13%   6%   13%   71%
  

NPA + 90+ ratio

    1.2%   1.6%   2.1%   1.7%   3.5%   1.9%
  

YTD NCO ratio

    0.5%   0.7%   1.1%   1.9%   3.3%   1.3%

Total

   

Loans (% of total)

    35%   20%   19%   9%   17%   100%
  

NPA + 90+ ratio

    1.5%   1.9%   2.4%   2.4%   3.8%   2.2%
  

YTD NCO ratio

    0.7%   0.9%   1.8%   2.5%   3.9%   1.6%

1sts

   

Loans (% of total)

    14%   6%   3%   1%   1%   24%
  

NPA + 90+ ratio

    1.2%   2.2%   4.9%   4.5%   9.1%   2.3%
  

YTD NCO ratio

    0.5%   0.8%   1.5%   1.8%   3.7%   0.9%

2nds

   

Loans (% of total)

    22%   14%   16%   8%   16%   76%
  

NPA + 90+ ratio

    1.6%   1.7%   2.1%   2.3%   3.4%   2.2%
  

YTD NCO ratio

    0.8%   1.0%   1.8%   2.6%   3.9%   1.9%

Total

   

Loans (% of total)

    35%   20%   19%   9%   17%   100%
  

NPA + 90+ ratio

    1.5%   1.9%   2.4%   2.4%   3.8%   2.2%
  

YTD NCO ratio

    0.7%   0.9%   1.8%   2.5%   3.9%   1.6%

HE loans

   

Loans (% of total)

    5%   3%   3%   2%   4%   17%
  

NPA + 90+ ratio

    2.2%   2.5%   3.3%   2.7%   4.7%   3.1%
  

YTD NCO ratio

    1.6%   1.2%   1.5%   2.3%   3.8%   2.1%

HELOCs

   

Loans (% of total)

    30%   17%   16%   7%   13%   83%
  

NPA + 90+ ratio

    1.4%   1.8%   2.3%   2.3%   3.5%   2.0%
  

YTD NCO ratio

    0.5%   0.9%   1.8%   2.6%   3.9%   1.5%

Total

   

Loans (% of total)

    35%   20%   19%   9%   17%   100%
  

NPA + 90+ ratio

    1.5%   1.9%   2.4%   2.4%   3.8%   2.2%
  

YTD NCO ratio

    0.7%   0.9%   1.8%   2.5%   3.9%   1.6%

< 660#

   

Loans (% of total)

    1%   1%   1%   <1%   1%   4%
  

NPA + 90+ ratio

    6.3%   7.8%   6.4%   7.2%   8.8%   7.2%
  

YTD NCO ratio

    3.1%   3.9%   4.2%   5.7%   6.5%   4.4%

660-689

   

Loans (% of total)

    2%   2%   2%   1%   2%   8%
  

NPA + 90+ ratio

    3.3%   3.7%   6.2%   4.7%   6.9%   5.1%
  

YTD NCO ratio

    2.0%   2.4%   4.1%   4.0%   6.2%   3.8%

690-719

   

Loans (% of total)

    3%   3%   3%   2%   4%   14%
  

NPA + 90+ ratio

    2.3%   3.3%   3.6%   3.6%   5.2%   3.7%
  

YTD NCO ratio

    1.3%   1.7%   2.3%   4.0%   4.9%   2.9%

720-749

   

Loans (% of total)

    4%   4%   4%   2%   4%   17%
  

NPA + 90+ ratio

    1.4%   2.5%   2.6%   2.2%   3.2%   2.4%
  

YTD NCO ratio

    0.9%   1.2%   1.9%   2.4%   4.4%   2.2%

750+

   

Loans (% of total)

    16%   11%   9%   4%   6%   46%
  

NPA + 90+ ratio

    0.4%   0.6%   0.8%   1.0%   1.7%   0.8%
  

YTD NCO ratio

    0.2%   0.3%   0.8%   1.3%   1.9%   0.7%

Other^

   

Loans (% of total)

    10%   <1%   <1%   <1%   <1%   11%
  

NPA + 90+ ratio

    2.0%   2.7%   1.1%   0.2%   5.7%   2.1%
  

YTD NCO ratio

    0.6%   0.0%   0.3%   1.1%   0.8%   0.6%

Total

   

Loans (% of total)

    35%   20%   19%   9%   17%   100%
  

NPA + 90+ ratio

    1.5%   1.9%   2.4%   2.4%   3.8%   2.2%
  

YTD NCO ratio

    0.7%   0.9%   1.8%   2.5%   3.9%   1.6%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

 

5

LOGO

 

Total residential mortgage ($9.4 billion)
FICO (origination)
          < 660#   660-689   690-719   720-750   750+   Other^   Total

Lots

   

Loans (% of total)

    <1%   1%   1%   1%   2%   3%   8%
  

NPA + 90+ ratio

    27.1%   23.2%   24.0%   21.2%   15.5%   30.5%   23.9%
  

YTD NCO ratio

    22.2%   15.9%   15.6%   12.9%   6.9%   8.0%   10.3%

Residential construction Loans (% of total)

    <1%   0%   1%   1%   2%   1%   5%
  

NPA + 90+ ratio

    0.0%   0.0%   0.6%   0.0%   0.4%   3.2%   1.0%
  

YTD NCO ratio

    2.4%   0.0%   0.0%   0.0%   0.0%   3.5%   0.9%

Other non-owner

   

Loans (% of total)

    <1%   <1%   1%   <1%   1%   5%   7%

occupied

   

NPA + 90+ ratio

    33.4%   27.4%   29.0%   22.8%   17.7%   20.9%   22.2%
  

YTD NCO ratio

    18.5%   13.0%   10.9%   10.8%   12.7%   4.6%   7.5%

Owner occupied

   

Loans (% of total)

    9%   7%   10%   11%   25%   19%   80%
  

NPA + 90+ ratio

    15.9%   9.8%   5.4%   3.5%   1.4%   6.8%   5.7%
  

YTD NCO ratio

    3.0%   1.6%   1.6%   1.0%   0.6%   1.2%   1.3%

Total

   

Loans (% of total)

    9%   8%   12%   13%   30%   27%   100%
  

NPA + 90+ ratio

    16.6%   11.2%   7.6%   5.5%   2.8%   11.8%   8.2%
  

YTD NCO ratio

    4.2%   3.1%   3.0%   2.3%   1.4%   2.7%   2.5%

 

Total residential mortgage ($9.4 billion)
Loan-to-value (origination)
          <=70%   70.1-80%   80.1-90%   90.1-95%   95.1 +   Total

Lots

   

Loans (% of total)

    1%   2%   2%   <1%   3%   8%
  

NPA + 90+ ratio

    25.8%   25.0%   25.3%   21.5%   21.3%   23.9%
  

YTD NCO ratio

    11.3%   14.4%   6.4%   6.0%   9.9%   10.3%

Residential construction

   

Loans (% of total)

    1%   2%   1%   1%   <1%   5%
  

NPA + 90+ ratio

    2.8%   0.5%   0.0%   0.8%   2.5%   1.0%
  

YTD NCO ratio

    3.7%   0.1%   0.0%   0.0%   1.7%   0.9%

Other non-owner

   

Loans (% of total)

    1%   4%   2%   <1%   <1%   7%

occupied

   

NPA + 90+ ratio

    13.0%   18.5%   35.7%   33.1%   26.2%   22.2%
  

YTD NCO ratio

    2.8%   6.2%   8.8%   10.8%   26.2%   7.5%

Owner occupied

   

Loans (% of total)

    22%   33%   7%   4%   13%   80%
  

NPA + 90+ ratio

    2.4%   4.1%   11.1%   10.8%   10.8%   5.7%
  

YTD NCO ratio

    0.3%   0.8%   2.8%   2.5%   2.7%   1.3%

Total

   

Loans (% of total)

    25%   41%   12%   5%   16%   100%
  

NPA + 90+ ratio

    3.9%   6.3%   15.8%   11.5%   12.9%   8.2%
  

YTD NCO ratio

    1.0%   2.0%   4.0%   2.9%   4.6%   2.5%

 

Total residential mortgage ($9.4 billion)
          Florida   Michigan   Other   Total

Lots

   

Loans (% of total)

    4%   1%   4%   8%
  

NPA + 90+ ratio

    34.4%   7.1%   13.8%   23.9%
  

YTD NCO ratio

    18.7%   2.6%   1.2%   10.3%

Residential construction

   

Loans (% of total)

    1%   1%   3%   5%
  

NPA + 90+ ratio

    0.4%   2.8%   0.7%   1.0%
  

YTD NCO ratio

    1.4%   0.6%   0.9%   0.9%

Other non-owner

   

Loans (% of total)

    5%   <1%   2%   7%

occupied

   

NPA + 90+ ratio

    24.0%   21.2%   18.6%   22.2%
  

YTD NCO ratio

    7.1%   16.0%   7.2%   7.5%

Owner occupied

   

Loans (% of total)

    20%   12%   47%   80%
  

NPA + 90+ ratio

    9.0%   7.5%   3.8%   5.7%
  

YTD NCO ratio

    2.7%   1.9%   0.5%   1.3%

Total

   

Loans (% of total)

    30%   14%   56%   100%
  

NPA + 90+ ratio

    14.6%   7.5%   4.9%   8.2%
  

YTD NCO ratio

    5.6%   2.2%   0.9%   2.5%

 

# Loans with FICO < 660 include CRA and FHA/VA loans as well as relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available

 

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Total auto ($8.3 billion)  
FICO (origination)  
          < 660     660-689     690-719     720-750     750+     Other^     Total  
Auto/Van    Loans (% of total)    1 %   5 %   10 %   9 %   20 %   2 %   48 %
   NPA + 90+ ratio    1.1 %   0.7 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    3.8 %   3.0 %   1.8 %   1.3 %   0.5 %   2.8 %   1.4 %

Small/Med SUV and

Compact Pickup

   Loans (% of total)    1 %   3 %   6 %   6 %   13 %   0 %   29 %
   NPA + 90+ ratio    0.7 %   0.6 %   0.5 %   0.3 %   0.1 %   1.1 %   0.3 %
   YTD NCO ratio    3.9 %   2.8 %   1.9 %   1.2 %   0.4 %   16.1 %   1.3 %

Large SUV/Full Size

Pickup

    Loans (% of total)    1 %   3 %   5 %   5 %   9 %   0 %   23 %
   NPA + 90+ ratio    1.3 %   0.8 %   0.6 %   0.3 %   0.1 %   0.7 %   0.4 %
   YTD NCO ratio    4.6 %   3.5 %   2.3 %   1.7 %   0.5 %   10.3 %   1.7 %
Total    Loans (% of total)    3 %   11 %   21 %   20 %   43 %   2 %   100 %
   NPA + 90+ ratio    1.0 %   0.7 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    4.0 %   3.1 %   2.0 %   1.4 %   0.5 %   3.6 %   1.5 %
New    Loans (% of total)    1 %   4 %   8 %   8 %   21 %   1 %   44 %
   NPA + 90+ ratio    1.0 %   0.6 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    3.8 %   2.7 %   1.7 %   1.1 %   0.3 %   1.2 %   1.0 %
Used    Loans (% of total)    2 %   8 %   13 %   11 %   22 %   1 %   56 %
   NPA + 90+ ratio    1.0 %   0.8 %   0.6 %   0.3 %   0.2 %   0.5 %   0.4 %
   YTD NCO ratio    4.2 %   3.2 %   2.2 %   1.6 %   0.7 %   7.0 %   1.8 %
Total    Loans (% of total)    3 %   11 %   21 %   20 %   43 %   2 %   100 %
   NPA + 90+ ratio    1.0 %   0.7 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    4.0 %   3.1 %   2.0 %   1.4 %   0.5 %   3.6 %   1.5 %
<=100% advance rate    Loans (% of total)    2 %   6 %   10 %   10 %   27 %   2 %   56 %
   NPA + 90+ ratio    0.8 %   0.5 %   0.3 %   0.1 %   0.1 %   0.4 %   0.2 %
   YTD NCO ratio    3.1 %   1.7 %   1.0 %   0.7 %   0.2 %   2.5 %   0.7 %
>100% advance rate    Loans (% of total)    1 %   5 %   11 %   10 %   15 %   1 %   44 %
   NPA + 90+ ratio    1.3 %   0.9 %   0.7 %   0.5 %   0.3 %   0.5 %   0.5 %
   YTD NCO ratio    5.5 %   4.6 %   2.9 %   2.1 %   1.1 %   6.9 %   2.4 %
Total    Loans (% of total)    3 %   11 %   21 %   20 %   43 %   2 %   100 %
   NPA + 90+ ratio    1.0 %   0.7 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    4.0 %   3.1 %   2.0 %   1.4 %   0.5 %   3.6 %   1.5 %
<=60 month term    Loans (% of total)    1 %   3 %   5 %   5 %   17 %   1 %   33 %
   NPA + 90+ ratio    0.7 %   0.6 %   0.3 %   0.2 %   0.1 %   0.4 %   0.2 %
   YTD NCO ratio    3.1 %   2.0 %   1.1 %   0.7 %   0.2 %   3.4 %   0.8 %
>60 month term    Loans (% of total)    2 %   8 %   16 %   14 %   26 %   1 %   67 %
   NPA + 90+ ratio    1.2 %   0.8 %   0.6 %   0.4 %   0.2 %   0.6 %   0.4 %
   YTD NCO ratio    4.7 %   3.5 %   2.3 %   1.6 %   0.7 %   4.0 %   1.8 %
Total    Loans (% of total)    3 %   11 %   21 %   20 %   43 %   2 %   100 %
   NPA + 90+ ratio    1.0 %   0.7 %   0.5 %   0.3 %   0.1 %   0.4 %   0.3 %
   YTD NCO ratio    4.0 %   3.1 %   2.0 %   1.4 %   0.5 %   3.6 %   1.5 %

 

^ Includes acquired loans where FICOs at origination is not available

 

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          Consumer loans by vintage                
      Mortgage   Home equity    
      Lot   Resi constr   Other non-
owner occ’d		   Owner occ’d   Brokered   Direct   Auto   Card   Other   Total

2008

    Loans (% of total, by loan type)    1%   41%   2%   12%   1%   12%   36%   16%   19%   17%
   NPA + 90+ ratio    1.5%   1.2%   0.0%   0.9%   0.0%   0.1%   0.2%   0.9%   0.0%   0.3%
   YTD NCO ratio    0.0%   0.4%   0.0%   0.0%   0.0%   0.0%   0.3%   0.2%   0.1%   0.2%

2007

    Loans (% of total, by loan type)    13%   37%   9%   19%   14%   12%   28%   38%   21%   20%
   NPA + 90+ ratio    9.8%   0.5%   23.6%   3.8%   2.1%   0.7%   0.3%   3.3%   0.4%   1.9%
   YTD NCO ratio    1.5%   0.9%   8.1%   0.5%   3.8%   0.4%   2.3%   4.1%   1.5%   1.8%

2006

    Loans (% of total, by loan type)    34%   15%   19%   15%   33%   15%   15%   12%   19%   17%
   NPA + 90+ ratio    15.7%   1.1%   27.8%   8.6%   4.5%   2.4%   0.7%   4.6%   1.3%   4.9%
   YTD NCO ratio    7.1%   0.8%   9.9%   2.4%   6.7%   1.7%   2.7%   7.2%   2.6%   3.5%

2005

    Loans (% of total, by loan type)    40%   5%   39%   26%   26%   15%   15%   9%   17%   19%
   NPA + 90+ ratio    35.7%   1.7%   24.1%   6.5%   4.3%   2.4%   0.4%   4.7%   0.7%   6.1%
   YTD NCO ratio    17.7%   0.2%   8.4%   1.9%   4.0%   1.6%   1.5%   7.2%   2.1%   3.2%
2004 and prior    Loans (% of total, by loan type)    12%   2%   31%   27%   25%   46%   6%   25%   24%   27%
   NPA + 90+ ratio    24.8%   3.7%   17.2%   6.8%   5.0%   2.1%   0.7%   5.1%   1.7%   4.0%
   YTD NCO ratio    4.9%   14.1%   5.3%   1.1%   3.2%   0.9%   1.4%   8.4%   2.4%   1.7%

Total

    Loans (% of total, by loan type)    100%   100%   100%   100%   100%   100%   100%   100%   100%   100%
   NPA + 90+ ratio    23.9%   1.0%   22.2%   5.7%   4.2%   1.8%   0.3%   3.7%   0.9%   3.5%
   YTD NCO ratio    10.3%   0.9%   7.5%   1.3%   4.6%   0.9%   1.5%   5.3%   1.8%   2.0%

 

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Third Quarter 2008 Portfolio Loan and Lease Stratifications Commercial

 

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Total commercial loans ($52.4 billion)
          Florida   Michigan   Other   Total

Other non-owner occupied RE

    Loans (% of total)    5%   5%   13%   24%
   NPA ratio    17.7%   13.2%   5.3%   9.7%
   YTD NCO ratio    6.1%   6.4%   1.1%   3.5%

Owner-occupied RE

    Loans (% of total)    2%   4%   8%   13%
   NPA ratio    3.2%   4.8%   2.0%   3.0%
   YTD NCO ratio    0.4%   1.6%   0.5%   0.8%

C&I

    Loans (% of total)    4%   9%   43%   56%
   NPA ratio    4.2%   2.3%   1.6%   1.9%
   YTD NCO ratio    3.0%   1.0%   1.0%   1.1%

Commercial lease

    Loans (% of total)    <1%   <1%   7%   7%
   NPA ratio    0.0%   4.2%   0.4%   0.6%
   YTD NCO ratio    0.0%   0.1%   0.1%   0.1%

Other

    Loans (% of total)    <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%
   YTD NCO ratio    0.0%   0.0%   nm   nm

Total

    Loans (% of total)    10%   19%   71%   100%
   NPA ratio    10.7%   5.9%   2.2%   3.8%
   YTD NCO ratio    4.2%   2.7%   0.9%   1.6%

C&I

    Loans (% of total)    4%   9%   43%   56%
   NPA ratio    4.2%   2.3%   1.6%   1.9%
   YTD NCO ratio    3.0%   1.0%   1.0%   1.1%

Commercial mortgage

    Loans (% of total)    4%   7%   14%   26%
   NPA ratio    13.0%   6.8%   2.9%   5.6%
   YTD NCO ratio    4.0%   1.9%   0.6%   1.6%

Commercial construction

    Loans (% of total)    2%   2%   7%   11%
   NPA ratio    15.9%   19.8%   6.5%   11.0%
   YTD NCO ratio    5.8%   12.6%   1.7%   4.8%

Commercial lease

    Loans (% of total)    <1%   <1%   7%   7%
   NPA ratio    0.0%   4.2%   0.4%   0.6%
   YTD NCO ratio    0.0%   0.1%   0.1%   0.1%

Other

    Loans (% of total)    <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%
   YTD NCO ratio    0.0%   0.0%   nm   nm

Total

    Loans (% of total)    10%   19%   71%   100%
   NPA ratio    10.7%   5.9%   2.2%   3.8%
   YTD NCO ratio    4.2%   2.7%   0.9%   1.6%

Homebuilders / developers (included in #’s above)

    Loans (% of total)    2%   1%   3%   6%
   NPA ratio    36.7%   31.5%   11.3%   22.9%
   YTD NCO ratio    14.1%   20.1%   3.3%   10.7%

 

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Total commercial loans ($52.4 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total

Other non-owner occupied RE

    Loans (% of total)    <1%   14%   9%   <1%   24%
   NPA ratio    0.0%   7.8%   12.4%   0.0%   9.7%
   YTD NCO ratio    0.0%   2.2%   5.4%   0.0%   3.5%

Owner-occupied RE

    Loans (% of total)    <1%   11%   2%   <1%   13%
   NPA ratio    0.0%   2.7%   4.2%   0.0%   3.0%
   YTD NCO ratio    0.0%   0.6%   1.8%   0.0%   0.8%

C&I

    Loans (% of total)    56%   <1%   <1%   <1%   56%
   NPA ratio    1.9%   0.0%   0.0%   0.0%   1.9%
   YTD NCO ratio    1.1%   0.0%   0.0%   0.0%   1.1%

Commercial lease

    Loans (% of total)    <1%   <1%   <1%   7%   7%
   NPA ratio    0.0%   0.0%   0.0%   0.6%   0.6%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.1%   0.1%

Other

    Loans (% of total)    nm   <1%   <1%   nm   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%   0.0%
   YTD NCO ratio    0.0%   nm   nm   1.1%   nm

Total

    Loans (% of total)    56%   26%   11%   7%   100%
   NPA ratio    1.9%   5.6%   11.0%   1.2%   3.8%
   YTD NCO ratio    1.1%   1.6%   4.8%   0.0%   1.6%

Homebuilders / developers (included in #’s above)

    Loans (% of total)    <1%   2%   3%   <1%   6%
   NPA ratio    21.3%   25.4%   21.2%   0.0%   22.9%
   YTD NCO ratio    4.9%   10.5%   11.7%   4.2%   10.7%

 

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Total commercial loans ($52.4 billion)
          Residential
raw land		   Residential
developed
land		   Residential
vertical
land		   Commercial
raw land		   Commercial
developed
land		   Other   Total

Other non-owner occupied RE

    Loans (% of total)    2%   2%   4%   1%   1%   14%   24%
   NPA ratio    22.7%   25.5%   14.0%   14.5%   11.3%   4.5%   9.7%
   YTD NCO ratio    12.6%   11.9%   3.8%   2.0%   5.5%   1.2%   3.5%

Owner-occupied RE

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   13%   13%
   NPA ratio    0.0%   80.5%   11.3%   0.0%   1.2%   2.6%   3.0%
   YTD NCO ratio    0.0%   275.1%   3.9%   0.0%   0.0%   0.5%   0.8%

C&I

    Loans (% of total)    <1%   <1%   1%   <1%   <1%   54%   56%
   NPA ratio    2.1%   8.9%   6.8%   3.2%   3.3%   1.8%   1.9%
   YTD NCO ratio    1.5%   0.0%   1.7%   0.4%   0.0%   1.1%   1.1%

Commercial lease

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   7%   7%
   NPA ratio    0.0%   0.0%   0.0%   0.0%   0.0%   0.6%   0.6%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%   0.1%   0.1%

Other

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%   0.0%   0.0%   0.0%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%   nm   nm

Total

    Loans (% of total)    2%   2%   5%   2%   1%   89%   100%
   NPA ratio    21.8%   25.4%   12.3%   12.5%   10.1%   2.3%   3.8%
   YTD NCO ratio    12.0%   12.8%   3.3%   1.7%   4.9%   1.0%   1.6%

Florida

    Loans (% of total)    <1%   1%   1%   <1%   <1%   7%   10%
   NPA ratio    21.0%   43.4%   14.2%   24.4%   16.8%   5.2%   10.7%
   YTD NCO ratio    11.0%   21.8%   1.7%   2.5%   7.1%   2.2%   4.2%

Michigan

    Loans (% of total)    1%   <1%   1%   <1%   <1%   17%   19%
   NPA ratio    30.7%   28.8%   19.4%   19.0%   19.6%   3.6%   5.9%
   YTD NCO ratio    23.1%   16.5%   8.9%   3.5%   14.7%   1.1%   2.7%

Other

    Loans (% of total)    1%   1%   3%   1%   1%   65%   71%
   NPA ratio    16.6%   8.7%   9.1%   5.7%   4.4%   1.6%   2.2%
   YTD NCO ratio    5.7%   1.8%   1.4%   0.8%   1.4%   0.7%   0.9%

Total

    Loans (% of total)    2%   2%   5%   2%   1%   89%   100%
   NPA ratio    21.8%   25.4%   12.3%   12.5%   10.1%   2.3%   3.8%
   YTD NCO ratio    12.0%   12.8%   3.3%   1.7%   4.9%   1.0%   1.6%

Homebuilders / developers (included in #’s above)

    Loans (% of total)    2%   2%   2%   <1%   <1%   <1%   6%
   NPA ratio    23.6%   24.7%   17.6%   0.0%   0.0%   35.6%   22.9%
   YTD NCO ratio    12.0%   13.2%   5.1%   0.0%   0.0%   16.2%   10.7%

 

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Total commercial loans ($52.4 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total

Accommodation

    Loans (% of total)    1%   1%   <1%   <1%   2%
   NPA ratio    3.2%   6.0%   33.8%   0.0%   5.6%
   YTD NCO ratio    0.8%   0.3%   4.3%   0.0%   0.7%

Auto manufacturing

    Loans (% of total)    1%   <1%   <1%   <1%   1%
   NPA ratio    0.3%   10.3%   0.0%   0.9%   0.8%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.6%   0.0%

Construction

    Loans (% of total)    3%   3%   5%   <1%   11%
   NPA ratio    7.3%   14.2%   17.4%   8.5%   13.7%
   YTD NCO ratio    3.3%   4.6%   8.6%   0.0%   5.9%

Finance & insurance

    Loans (% of total)    6%   <1%   <1%   <1%   7%
   NPA ratio    0.8%   2.6%   0.0%   0.0%   0.8%
   YTD NCO ratio    0.7%   nm   0.0%   0.0%   0.6%

Manufacturing

    Loans (% of total)    11%   1%   <1%   1%   13%
   NPA ratio    1.5%   2.4%   0.0%   1.5%   1.6%
   YTD NCO ratio    0.4%   2.0%   0.0%   1.2%   0.6%

Real estate

    Loans (% of total)    5%   14%   5%   <1%   24%
   NPA ratio    2.7%   5.6%   6.5%   0.1%   5.1%
   YTD NCO ratio    0.8%   1.6%   2.7%   0.1%   1.6%

Retail trade

    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    3.3%   4.5%   6.3%   3.5%   3.7%
   YTD NCO ratio    0.9%   0.5%   0.8%   0.0%   0.7%

Auto retailers

    Loans (% of total)    3%   1%   <1%   <1%   4%
   NPA ratio    2.8%   0.6%   0.0%   0.0%   2.3%
   YTD NCO ratio    1.1%   0.2%   0.0%   0.0%   0.9%

Wholesale trade

    Loans (% of total)    4%   <1%   <1%   <1%   5%
   NPA ratio    0.7%   0.7%   36.1%   0.0%   0.9%
   YTD NCO ratio    0.9%   0.0%   0.0%   0.0%   0.7%

Other

    Loans (% of total)    19%   5%   1%   5%   29%
   NPA ratio    1.1%   2.6%   3.2%   0.8%   1.4%
   YTD NCO ratio    1.5%   0.8%   1.0%   nm   1.1%

Total

    Loans (% of total)    56%   26%   11%   7%   100%
   NPA ratio    1.9%   5.6%   11.0%   1.2%   3.8%
   YTD NCO ratio    1.1%   1.6%   4.8%   0.0%   1.6%

 

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Total commercial loans ($52.4 billion)
          Florida   Michigan   Other   Total

Accommodation

    Loans (% of total)    <1%   <1%   1%   2%
   NPA ratio    12.2%   3.6%   4.0%   5.6%
   YTD NCO ratio    0.4%   0.9%   0.8%   0.7%

Auto manufacturing

    Loans (% of total)    <1%   1%   1%   1%
   NPA ratio    0.0%   0.4%   1.0%   0.8%
   YTD NCO ratio    0.0%   nm   0.1%   0.0%

Construction

    Loans (% of total)    2%   2%   7%   11%
   NPA ratio    23.2%   20.5%   9.3%   13.7%
   YTD NCO ratio    7.8%   12.6%   2.8%   5.9%

Finance & insurance

    Loans (% of total)    <1%   1%   5%   7%
   NPA ratio    0.0%   0.3%   1.0%   0.8%
   YTD NCO ratio    1.9%   1.1%   0.4%   0.6%

Manufacturing

    Loans (% of total)    <1%   2%   11%   13%
   NPA ratio    2.6%   2.2%   1.4%   1.6%
   YTD NCO ratio    0.1%   0.7%   0.5%   0.6%

Real estate

    Loans (% of total)    4%   7%   13%   24%
   NPA ratio    13.2%   6.5%   1.9%   5.1%
   YTD NCO ratio    5.4%   1.9%   0.2%   1.6%

Retail trade

    Loans (% of total)    <1%   1%   2%   3%
   NPA ratio    3.2%   4.0%   3.7%   3.7%
   YTD NCO ratio    0.3%   0.8%   0.8%   0.7%

Auto retailers

    Loans (% of total)    <1%   1%   3%   4%
   NPA ratio    2.4%   1.9%   2.4%   2.3%
   YTD NCO ratio    2.0%   0.6%   0.9%   0.9%

Wholesale trade

    Loans (% of total)    <1%   1%   4%   5%
   NPA ratio    0.0%   0.6%   1.0%   0.9%
   YTD NCO ratio    1.1%   0.3%   0.8%   0.7%

Other

    Loans (% of total)    2%   4%   23%   29%
   NPA ratio    2.6%   3.1%   1.0%   1.4%
   YTD NCO ratio    2.1%   1.2%   1.0%   1.1%

Total

    Loans (% of total)    10%   19%   71%   100%
   NPA ratio    10.7%   5.9%   2.2%   3.8%
   YTD NCO ratio    4.2%   2.7%   0.9%   1.6%

 

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Cautionary Statement

This report may contain forward-looking statements about Fifth Third Bancorp within the meaning of Sections 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, that involve inherent risks and uncertainties. This report may contain certain forward-looking statements with respect to the financial condition, results of operations, plans, objectives, future performance and business of Fifth Third Bancorp including statements preceded by, followed by or that include the words or phrases such as “believes,” “expects,” “anticipates,” “plans,” “trend,” “objective,” “continue,” “remain” or similar expressions or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) general economic conditions and weakening in the economy, specifically the real estate market, either national or in the states in which Fifth Third, does business, are less favorable than expected; (2) deteriorating credit quality; (3) political developments, wars or other hostilities may disrupt or increase volatility in securities markets or other economic conditions; (4) changes in the interest rate environment reduce interest margins; (5) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions; (6) Fifth Third’s ability to maintain required capital levels and adequate sources of funding and liquidity; (7) changes and trends in capital markets; (8) competitive pressures among depository institutions increase significantly; (9) effects of critical accounting policies and judgments; (10) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies; (11) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, or the businesses in which Fifth Third, one is engaged; (12) ability to maintain favorable ratings from rating agencies; (13) fluctuation of Fifth Third’s stock price; (14) ability to attract and retain key personnel; (15) ability to receive dividends from its subsidiaries; (16) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (17) effects of accounting or financial results of one or more acquired entities; (18) difficulties in combining the operations of acquired entities; (19) inability to generate the gains on sale and related increase in shareholders’ equity that it anticipates from the sale of certain non-core businesses, (20) loss of income from the sale of certain non-core businesses could have an adverse effect on Fifth Third’s earnings and future growth (21) ability to secure confidential information through the use of computer systems and telecommunications networks; and (22) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity. Additional information concerning factors that could cause actual results to differ materially from those expressed or implied in the forward-looking statements is available in the Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2007, filed with the United States Securities and Exchange Commission (SEC). Copies of this filing are available at no cost on the SEC’s Web site at www.sec.gov or on the Fifth Third’s Web site at www.53.com. Fifth Third undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this report.

 

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