EX-99.4 5 dex994.htm SECOND QUARTER 2009 PORTFOLIO LOAN AND LEASE STRATIFICATIONS Second Quarter 2009 Portfolio Loan and Lease Stratifications

Exhibit 99.4

LOGO

Second Quarter 2009 Portfolio Loan and Lease Stratifications

Please refer to earnings release dated July 23, 2009 for further information

including full results including those reported on a GAAP basis

LOGO

Second Quarter 2009 Portfolio Loan and Lease Stratifications Consumer

 

2

LOGO

Brokered home equity ($2.1 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

    1.7 %    10.5 %    7.1 %    12.2 %    8.6 %    7.8 % 
  

YTD NCO ratio

    5.7 %    10.8 %    27.2 %    32.0 %    27.3 %    19.9 % 

Michigan

    Loans (% of total)    2 %    3 %    5 %    4 %    7 %    21 % 
  

NPA + 90+ ratio

    1.2 %    2.2 %    2.6 %    2.4 %    2.8 %    2.4 % 
  

YTD NCO ratio

    5.7 %    6.6 %    6.9 %    7.8 %    10.9 %    8.2 % 

Other

    Loans (% of total)    7 %    9 %    17 %    11 %    33 %    76 % 
  

NPA + 90+ ratio

    1.6 %    2.6 %    1.8 %    1.5 %    2.7 %    2.2 % 
  

YTD NCO ratio

    1.8 %    3.2 %    3.9 %    6.0 %    7.4 %    5.4 % 

Total

    Loans (% of total)    10 %    12 %    22 %    15 %    40 %    100 % 
  

NPA + 90+ ratio

    1.6 %    3.0 %    2.1 %    1.9 %    2.9 %    2.4 % 
  

YTD NCO ratio

    2.9 %    4.4 %    5.3 %    6.9 %    8.4 %    6.5 % 

1sts

    Loans (% of total)    4 %    4 %    2 %    1 %    3 %    14 % 
  

NPA + 90+ ratio

    2.5 %    4.2 %    3.2 %    0.5 %    4.1 %    3.3 % 
  

YTD NCO ratio

    2.5 %    3.2 %    3.4 %    -0.1 %    2.8 %    2.8 % 

2nds

    Loans (% of total)    6 %    9 %    20 %    14 %    37 %    86 % 
  

NPA + 90+ ratio

    0.9 %    2.5 %    2.0 %    2.0 %    2.7 %    2.3 % 
  

YTD NCO ratio

    3.2 %    4.9 %    5.6 %    7.1 %    9.0 %    7.1 % 

Total

    Loans (% of total)    10 %    12 %    22 %    15 %    40 %    100 % 
  

NPA + 90+ ratio

    1.6 %    3.0 %    2.1 %    1.9 %    2.9 %    2.4 % 
  

YTD NCO ratio

    2.9 %    4.4 %    5.3 %    6.9 %    8.4 %    6.5 % 

HE loans

    Loans (% of total)    2 %    3 %    5 %    3 %    12 %    25 % 
  

NPA + 90+ ratio

    1.8 %    3.1 %    2.8 %    1.9 %    3.3 %    2.9 % 
  

YTD NCO ratio

    3.5 %    2.3 %    4.1 %    6.3 %    7.3 %    5.7 % 

HELOCs

    Loans (% of total)    8 %    10 %    18 %    11 %    28 %    75 % 
  

NPA + 90+ ratio

    1.5 %    3.0 %    1.9 %    2.0 %    2.7 %    2.3 % 
  

YTD NCO ratio

    2.8 %    5.0 %    5.7 %    7.1 %    8.9 %    6.7 % 

Total

    Loans (% of total)    10 %    12 %    22 %    15 %    40 %    100 % 
  

NPA + 90+ ratio

    1.6 %    3.0 %    2.1 %    1.9 %    2.9 %    2.4 % 
  

YTD NCO ratio

    2.9 %    4.4 %    5.3 %    6.9 %    8.4 %    6.5 % 

< 660#

    Loans (% of total)    1 %    1 %    1 %    1 %    1 %    4 % 
  

NPA + 90+ ratio

    4.9 %    13.4 %    3.7 %    4.6 %    5.2 %    5.7 % 
  

YTD NCO ratio

    6.7 %    5.1 %    7.4 %    14.2 %    12.0 %    9.5 % 

660-689

    Loans (% of total)    1 %    1 %    3 %    2 %    5 %    12 % 
  

NPA + 90+ ratio

    1.6 %    3.6 %    2.9 %    3.2 %    4.0 %    3.4 % 
  

YTD NCO ratio

    5.0 %    6.6 %    10.1 %    9.6 %    10.4 %    9.5 % 

690-719

    Loans (% of total)    1 %    2 %    4 %    3 %    10 %    21 % 
  

NPA + 90+ ratio

    3.3 %    4.2 %    2.6 %    1.6 %    3.5 %    3.1 % 
  

YTD NCO ratio

    3.4 %    8.3 %    6.4 %    9.6 %    9.0 %    8.1 % 

720-749

    Loans (% of total)    2 %    3 %    5 %    4 %    11 %    23 % 
  

NPA + 90+ ratio

    0.8 %    3.8 %    2.2 %    1.7 %    2.7 %    2.4 % 
  

YTD NCO ratio

    7.2 %    6.6 %    5.3 %    5.0 %    9.3 %    7.4 % 

750+

    Loans (% of total)    5 %    6 %    9 %    6 %    13 %    39 % 
  

NPA + 90+ ratio

    0.8 %    1.1 %    1.5 %    1.5 %    1.8 %    1.4 % 
  

YTD NCO ratio

    0.7 %    1.5 %    3.2 %    4.9 %    6.2 %    3.8 % 

Other^

    Loans (% of total)    <1 %    <1 %    <1 %    <1 %    <1 %    <1 % 
  

NPA + 90+ ratio

    4.1 %    0.0 %    0.0 %    0.0 %    1.0 %    3.0 % 
  

YTD NCO ratio

    3.5 %    0.0 %    0.0 %    0.0 %    0.2 %    2.5 % 

Total

    Loans (% of total)    10 %    12 %    22 %    15 %    40 %    100 % 
  

NPA + 90+ ratio

    1.6 %    3.0 %    2.1 %    1.9 %    2.9 %    2.4 % 
  

YTD NCO ratio

    2.9 %    4.4 %    5.3 %    6.9 %    8.4 %    6.5 % 

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding

 

3

LOGO

Retail direct home equity ($10.4 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    1.9%   2.8%   3.2%   3.6%   11.0%   2.7%
   YTD NCO ratio    2.3%   4.5%   11.6%   10.1%   18.1%   4.7%

Michigan

    Loans (% of total)    9%   5%   4%   2%   2%   21%
   NPA + 90+ ratio    1.0%   0.9%   1.6%   1.0%   2.1%   1.2%
   YTD NCO ratio    1.2%   2.1%   2.8%   5.0%   4.9%   2.4%

Other

    Loans (% of total)    28%   16%   13%   5%   8%   70%
   NPA + 90+ ratio    0.8%   0.8%   1.1%   1.1%   1.2%   0.9%
   YTD NCO ratio    0.5%   0.7%   1.9%   2.1%   2.7%   1.2%

Total

    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.3%   1.2%   1.8%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   3.7%   1.7%

1sts

    Loans (% of total)    17%   7%   3%   1%   1%   28%
   NPA + 90+ ratio    0.7%   1.1%   2.9%   2.0%   2.5%   1.1%
   YTD NCO ratio    0.6%   1.0%   1.2%   4.8%   3.3%   0.9%

2nds

    Loans (% of total)    26%   16%   15%   6%   10%   72%
   NPA + 90+ ratio    1.2%   1.0%   1.1%   1.1%   1.7%   1.2%
   YTD NCO ratio    1.1%   1.5%   2.9%   3.0%   3.7%   2.1%

Total

    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.3%   1.2%   1.8%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   3.7%   1.7%

HE loans

    Loans (% of total)    5%   2%   2%   1%   2%   13%
   NPA + 90+ ratio    1.5%   1.2%   2.2%   1.2%   2.5%   1.7%
   YTD NCO ratio    1.1%   1.2%   1.7%   3.1%   3.0%   1.7%

HELOCs

    Loans (% of total)    37%   20%   15%   6%   8%   87%
   NPA + 90+ ratio    0.9%   1.0%   1.2%   1.2%   1.6%   1.1%
   YTD NCO ratio    0.8%   1.3%   2.8%   3.1%   3.9%   1.7%

Total

    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.3%   1.2%   1.8%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   3.7%   1.7%

< 660#

    Loans (% of total)    1%   1%   1%   <1%   1%   4%
   NPA + 90+ ratio    5.3%   3.8%   3.7%   3.6%   5.5%   4.5%
   YTD NCO ratio    3.0%   4.6%   8.8%   6.9%   9.0%   5.9%

660-689

    Loans (% of total)    2%   2%   2%   1%   1%   7%
   NPA + 90+ ratio    1.1%   2.4%   3.1%   2.3%   2.5%   2.2%
   YTD NCO ratio    2.5%   2.6%   6.9%   7.2%   5.8%   4.5%

690-719

    Loans (% of total)    3%   3%   3%   1%   2%   12%
   NPA + 90+ ratio    1.1%   2.1%   2.1%   1.6%   1.8%   1.7%
   YTD NCO ratio    1.0%   2.1%   4.0%   4.6%   5.2%   3.0%

720-749

    Loans (% of total)    4%   4%   3%   1%   2%   15%
   NPA + 90+ ratio    0.8%   1.2%   1.2%   1.2%   1.7%   1.2%
   YTD NCO ratio    1.1%   1.7%   3.2%   2.8%   3.7%   2.3%

750+

    Loans (% of total)    19%   14%   9%   3%   4%   50%
   NPA + 90+ ratio    0.2%   0.4%   0.7%   0.7%   1.1%   0.5%
   YTD NCO ratio    0.2%   0.7%   0.9%   1.5%   1.7%   0.7%

Other^

    Loans (% of total)    12%   <1%   <1%   <1%   <1%   13%
   NPA + 90+ ratio    1.7%   0.5%   0.1%   0.0%   0.0%   1.7%
   YTD NCO ratio    1.4%   0.0%   0.0%   1.8%   2.6%   1.4%

Total

    Loans (% of total)    42%   23%   18%   7%   11%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.3%   1.2%   1.8%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   3.7%   1.7%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding

 

4

LOGO

Total home equity ($12.5 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%   8%
  

NPA + 90+ ratio

    1.9%   3.3%   3.7%   5.0%   10.2%   3.0%
  

YTD NCO ratio

    2.4%   4.9%   13.5%   13.5%   21.3%   5.7%

Michigan

    Loans (% of total)    7%   4%   4%   2%   3%   21%
  

NPA + 90+ ratio

    1.0%   1.0%   1.8%   1.5%   2.4%   1.4%
  

YTD NCO ratio

    1.4%   2.5%   3.7%   5.9%   7.3%   3.3%

Other

    Loans (% of total)    25%   15%   13%   6%   12%   71%
  

NPA + 90+ ratio

    0.8%   1.0%   1.2%   1.2%   1.9%   1.2%
  

YTD NCO ratio

    0.6%   1.0%   2.3%   3.3%   4.9%   1.9%

Total

    Loans (% of total)    37%   21%   18%   8%   16%   100%
  

NPA + 90+ ratio

    1.0%   1.2%   1.5%   1.4%   2.2%   1.4%
  

YTD NCO ratio

    1.0%   1.6%   3.2%   4.3%   5.8%   2.5%

1sts

    Loans (% of total)    15%   6%   3%   1%   1%   25%
  

NPA + 90+ ratio

    0.8%   1.4%   2.9%   1.8%   3.3%   1.3%
  

YTD NCO ratio

    0.6%   1.2%   1.6%   4.1%   3.0%   1.1%

2nds

    Loans (% of total)    22%   15%   16%   8%   14%   75%
  

NPA + 90+ ratio

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

YTD NCO ratio

    1.2%   1.8%   3.5%   4.3%   6.0%   3.0%

Total

    Loans (% of total)    37%   21%   18%   8%   16%   100%
  

NPA + 90+ ratio

    1.0%   1.2%   1.5%   1.4%   2.2%   1.4%
  

YTD NCO ratio

    1.0%   1.6%   3.2%   4.3%   5.8%   2.5%

HE loans

    Loans (% of total)    4%   2%   3%   2%   4%   15%
  

NPA + 90+ ratio

    1.6%   1.6%   2.4%   1.4%   2.9%   2.1%
  

YTD NCO ratio

    1.2%   1.4%   2.4%   4.2%   5.4%   2.8%

HELOCs

    Loans (% of total)    32%   19%   16%   7%   12%   85%
  

NPA + 90+ ratio

    0.9%   1.2%   1.3%   1.4%   2.0%   1.2%
  

YTD NCO ratio

    0.9%   1.7%   3.3%   4.3%   5.9%   2.5%

Total

    Loans (% of total)    37%   21%   18%   8%   16%   100%
  

NPA + 90+ ratio

    1.0%   1.2%   1.5%   1.4%   2.2%   1.4%
  

YTD NCO ratio

    1.0%   1.6%   3.2%   4.3%   5.8%   2.5%

< 660#

    Loans (% of total)    1%   1%   1%   <1%   1%   4%
  

NPA + 90+ ratio

    5.3%   4.9%   3.7%   3.9%   5.4%   4.7%
  

YTD NCO ratio

    3.3%   4.6%   8.5%   9.2%   10.0%   6.6%

660-689

    Loans (% of total)    2%   1%   2%   1%   2%   8%
  

NPA + 90+ ratio

    1.1%   2.5%   3.0%   2.6%   3.2%   2.5%
  

YTD NCO ratio

    2.7%   3.1%   7.8%   8.1%   8.0%   5.8%

690-719

    Loans (% of total)    3%   3%   3%   1%   3%   13%
  

NPA + 90+ ratio

    1.3%   2.4%   2.2%   1.6%   2.6%   2.1%
  

YTD NCO ratio

    1.2%   3.0%   4.6%   6.3%   7.1%   4.4%

720-749

    Loans (% of total)    4%   4%   4%   2%   4%   17%
  

NPA + 90+ ratio

    0.8%   1.5%   1.4%   1.4%   2.2%   1.5%
  

YTD NCO ratio

    1.5%   2.3%   3.7%   3.6%   6.4%   3.5%

750+

    Loans (% of total)    17%   12%   9%   4%   6%   48%
  

NPA + 90+ ratio

    0.3%   0.5%   0.8%   0.9%   1.3%   0.6%
  

YTD NCO ratio

    0.2%   0.8%   1.3%   2.4%   3.4%   1.1%

Other^

    Loans (% of total)    10%   <1%   <1%   <1%   <1%   11%
  

NPA + 90+ ratio

    1.8%   0.5%   0.1%   0.0%   0.2%   1.7%
  

YTD NCO ratio

    1.4%   0.0%   0.0%   1.6%   2.2%   1.4%

Total

    Loans (% of total)    37%   21%   18%   8%   16%   100%
  

NPA + 90+ ratio

    1.0%   1.2%   1.5%   1.4%   2.2%   1.4%
  

YTD NCO ratio

    1.0%   1.6%   3.2%   4.3%   5.8%   2.5%

 

# Includes relationship based and private lending
^ Includes acquired loans where FICOs at origination is not available
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding

 

5

LOGO

Total residential mortgage ($8.5 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    27.3%   25.4%   15.3%   14.9%   7.6%   22.7%   17.0%
  YTD NCO ratio    16.5%   25.7%   17.1%   13.8%   9.3%   20.2%   16.1%
Residential   Loans (% of total)    <1%   <1%   <1%   <1%   1%   <1%   2%

construction

   NPA + 90+ ratio    0.0%   9.4%   0.0%   0.0%   0.0%   0.0%   0.4%
  YTD NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%   -2.8%   -0.5%

Other non-owner

   Loans (% of total)    <1%   <1%   1%   <1%   1%   4%   7%

occupied

   NPA + 90+ ratio    34.7%   31.6%   28.3%   21.5%   12.6%   23.1%   23.1%
  YTD NCO ratio    22.5%   25.5%   21.4%   20.9%   20.2%   9.8%   14.0%

Owner occupied

   Loans (% of total)    9%   7%   11%   11%   26%   19%   84%
  NPA + 90+ ratio    10.6%   10.8%   6.6%   4.5%   2.3%   9.7%   6.5%
  YTD NCO ratio    5.0%   4.2%   2.8%   2.0%   1.1%   3.0%   2.6%

Total

   Loans (% of total)    10%   8%   12%   13%   30%   27%   100%
  NPA + 90+ ratio    11.8%   12.6%   8.0%   5.8%   2.9%   13.2%   8.3%
  YTD NCO ratio    5.9%   6.4%   4.5%   3.5%   2.2%   5.9%   4.3%

Total residential mortgage ($8.5 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    23.3%   25.4%   14.8%   8.3%   10.4%   17.0%
  YTD NCO ratio    21.2%   26.3%   13.2%   5.3%   9.4%   16.1%
Residential construction   Loans (% of total)    1%   1%   <1%   <1%   <1%   2%
  NPA + 90+ ratio    0.0%   0.8%   0.0%   0.0%   0.0%   0.4%
  YTD NCO ratio    0.0%   -1.0%   0.0%   0.0%   0.0%   -0.5%
Other non-owner   Loans (% of total)    1%   3%   1%   <1%   <1%   7%
occupied   NPA + 90+ ratio    15.8%   21.9%   35.1%   25.7%   14.2%   23.1%
  YTD NCO ratio    7.7%   13.1%   19.9%   8.7%   25.3%   14.0%
Owner occupied   Loans (% of total)    23%   35%   8%   5%   13%   84%
  NPA + 90+ ratio    4.5%   5.7%   12.0%   11.4%   6.9%   6.5%
  YTD NCO ratio    1.1%   1.9%   5.7%   4.8%   4.1%   2.6%
Total   Loans (% of total)    26%   41%   11%   5%   16%   100%
  NPA + 90+ ratio    5.7%   8.0%   15.0%   11.6%   7.6%   8.3%
  YTD NCO ratio    2.2%   4.0%   8.6%   4.9%   5.4%   4.3%

Total residential mortgage ($8.5 billion)

         Florida   Michigan   Other   Total
Lots   Loans (% of total)    4%   1%   3%   8%
  NPA + 90+ ratio    27.4%   5.6%   7.5%   17.0%
  YTD NCO ratio    28.2%   3.4%   5.1%   16.1%
Residential   Loans (% of total)    <1%   <1%   1%   2%
  NPA + 90+ ratio    0.0%   0.0%   0.6%   0.4%
  YTD NCO ratio    0.0%   0.0%   -0.7%   -0.5%
Other non-owner   Loans (% of total)    4%   <1%   2%   7%
occupied   NPA + 90+ ratio    27.6%   24.1%   14.4%   23.1%
  YTD NCO ratio    16.3%   24.5%   8.0%   14.0%
Owner occupied   Loans (% of total)    21%   13%   50%   84%
  NPA + 90+ ratio    11.6%   5.6%   4.5%   6.5%
  YTD NCO ratio    5.2%   2.9%   1.3%   2.6%
Total   Loans (% of total)    29%   14%   56%   100%
  NPA + 90+ ratio    15.8%   5.9%   5.0%   8.3%
  YTD NCO ratio    9.7%   3.4%   1.8%   4.3%

 

# 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
Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances
Note: Percentages may not sum due to rounding

 

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Total auto ($8.7 billion)

FICO (origination)

          < 660     660-689     690-719     720-750     750+     Other^     Total  

Auto/Van

    Loans (% of total)    1 %    4 %    8 %    9 %    19 %    1 %    41 % 
   NPA + 90+ ratio    1.1 %    0.9 %    0.6 %    0.5 %    0.1 %    0.4 %    0.4 % 
   YTD NCO ratio    5.1 %    3.9 %    2.6 %    1.7 %    0.7 %    3.3 %    1.7 % 

Small/Med SUV and

    Loans (% of total)    <1 %    3 %    5 %    6 %    13 %    <1 %    27 % 

Compact Pickup

    NPA + 90+ ratio    1.2 %    0.8 %    0.6 %    0.4 %    0.1 %    0.4 %    0.4 % 
   YTD NCO ratio    4.6 %    3.0 %    2.4 %    1.4 %    0.6 %    1.3 %    1.4 % 

Large SUV/Full Size Pickup

    Loans (% of total)    <1 %    2 %    5 %    5 %    9 %    1 %    22 % 
   NPA + 90+ ratio    1.1 %    1.0 %    0.7 %    0.4 %    0.2 %    0.7 %    0.5 % 
   YTD NCO ratio    3.1 %    4.0 %    2.6 %    1.6 %    0.7 %    1.9 %    1.8 % 

Other

    Loans (% of total)    <1 %    1 %    1 %    2 %    5 %    1 %    9 % 
   NPA + 90+ ratio    0.8 %    1.3 %    1.5 %    0.7 %    0.4 %    2.2 %    0.9 % 
   YTD NCO ratio    8.5 %    6.1 %    5.4 %    4.6 %    1.7 %    11.7 %    4.0 % 

Total

    Loans (% of total)    2 %    9 %    20 %    21 %    45 %    2 %    100 % 
   NPA + 90+ ratio    1.1 %    0.9 %    0.7 %    0.5 %    0.2 %    0.9 %    0.4 % 
   YTD NCO ratio    5.1 %    3.8 %    2.7 %    1.8 %    0.8 %    4.4 %    1.9 % 

New

    Loans (% of total)    1 %    4 %    9 %    9 %    24 %    1 %    47 % 
   NPA + 90+ ratio    0.9 %    0.9 %    0.6 %    0.4 %    0.1 %    0.6 %    0.4 % 
   YTD NCO ratio    4.7 %    3.2 %    2.4 %    1.7 %    0.6 %    2.1 %    1.4 % 

Used

    Loans (% of total)    1 %    6 %    11 %    11 %    22 %    1 %    53 % 
   NPA + 90+ ratio    1.2 %    0.9 %    0.8 %    0.5 %    0.2 %    1.3 %    0.5 % 
   YTD NCO ratio    5.4 %    4.2 %    3.0 %    2.0 %    1.1 %    7.4 %    2.3 % 

Total

    Loans (% of total)    2 %    9 %    20 %    21 %    45 %    2 %    100 % 
   NPA + 90+ ratio    1.1 %    0.9 %    0.7 %    0.5 %    0.2 %    0.9 %    0.4 % 
   YTD NCO ratio    5.1 %    3.8 %    2.7 %    1.8 %    0.8 %    4.4 %    1.9 % 

<=100% advance rate

    Loans (% of total)    1 %    5 %    10 %    10 %    29 %    2 %    57 % 
   NPA + 90+ ratio    1.0 %    0.7 %    0.5 %    0.3 %    0.1 %    0.9 %    0.3 % 
   YTD NCO ratio    4.5 %    2.6 %    1.7 %    1.2 %    0.4 %    4.2 %    1.2 % 

>100% advance rate

    Loans (% of total)    1 %    4 %    10 %    11 %    17 %    1 %    43 % 
   NPA + 90+ ratio    1.3 %    1.3 %    0.8 %    0.6 %    0.3 %    1.2 %    0.6 % 
   YTD NCO ratio    6.3 %    5.4 %    3.7 %    2.5 %    1.5 %    5.1 %    2.8 % 

Total

    Loans (% of total)    2 %    9 %    20 %    21 %    45 %    2 %    100 % 
   NPA + 90+ ratio    1.1 %    0.9 %    0.7 %    0.5 %    0.2 %    0.9 %    0.4 % 
   YTD NCO ratio    5.1 %    3.8 %    2.7 %    1.8 %    0.8 %    4.4 %    1.9 % 

<=60 month term

    Loans (% of total)    1 %    2 %    4 %    5 %    15 %    1 %    28 % 
   NPA + 90+ ratio    0.9 %    0.7 %    0.4 %    0.2 %    0.1 %    0.6 %    0.2 % 
   YTD NCO ratio    4.2 %    2.7 %    1.5 %    0.8 %    0.3 %    3.1 %    0.9 % 

>60 month term

    Loans (% of total)    1 %    7 %    16 %    16 %    30 %    1 %    72 % 
   NPA + 90+ ratio    1.2 %    1.0 %    0.8 %    0.5 %    0.2 %    1.2 %    0.5 % 
   YTD NCO ratio    5.6 %    4.2 %    3.0 %    2.2 %    1.1 %    5.8 %    2.2 % 

Total

    Loans (% of total)    2 %    9 %    20 %    21 %    45 %    2 %    100 % 
   NPA + 90+ ratio    1.1 %    0.9 %    0.7 %    0.5 %    0.2 %    0.9 %    0.4 % 
   YTD NCO ratio    5.1 %    3.8 %    2.7 %    1.8 %    0.8 %    4.4 %    1.9 % 

 

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

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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  

2009

    Loans (% of total, by loan type)   <1 %    5 %    <1 %    3 %    0 %    3 %    21 %    11 %    <1 %    8 % 
   NPA + 90+ ratio   0.0 %    0.0 %    0.0 %    0.4 %    0.0 %    0.0 %    0.1 %    0.1 %    0.0 %    0.1 % 
   YTD NCO ratio   0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.1 %    0.0 %    0.0 %    0.1 % 

2008

    Loans (% of total, by loan type)   2 %    65 %    2 %    15 %    1 %    14 %    34 %    18 %    44 %    19 % 
   NPA + 90+ ratio   5.2 %    0.0 %    5.3 %    3.4 %    0.2 %    0.3 %    0.4 %    4.7 %    0.1 %    1.1 % 
   YTD NCO ratio   1.2 %    0.0 %    10.5 %    1.0 %    0.9 %    0.5 %    1.8 %    6.5 %    0.4 %    1.6 % 

2007

    Loans (% of total, by loan type)   13 %    20 %    10 %    18 %    14 %    12 %    19 %    30 %    27 %    17 % 
   NPA + 90+ ratio   8.4 %    0.0 %    25.9 %    6.5 %    1.9 %    1.1 %    0.6 %    7.5 %    0.2 %    3.3 % 
   YTD NCO ratio   13.5 %    0.0 %    27.4 %    3.0 %    4.0 %    1.9 %    2.6 %    11.0 %    2.1 %    3.9 % 

2006

    Loans (% of total, by loan type)   35 %    6 %    18 %    15 %    33 %    14 %    11 %    11 %    13 %    15 % 
   NPA + 90+ ratio   14.2 %    6.6 %    30.5 %    11.0 %    3.0 %    1.8 %    0.7 %    8.9 %    0.2 %    5.3 % 
   YTD NCO ratio   14.1 %    -7.8 %    23.2 %    4.7 %    9.6 %    4.0 %    3.1 %    11.7 %    4.5 %    6.1 % 

2005

    Loans (% of total, by loan type)   39 %    3 %    39 %    24 %    26 %    14 %    9 %    8 %    13 %    16 % 
   NPA + 90+ ratio   21.3 %    0.0 %    28.1 %    7.2 %    2.3 %    1.3 %    0.5 %    8.2 %    0.4 %    5.6 % 
   YTD NCO ratio   20.6 %    0.0 %    12.5 %    3.1 %    7.1 %    2.7 %    2.1 %    9.9 %    3.0 %    4.7 % 

2004 & prior

    Loans (% of total, by loan type)   12 %    2 %    31 %    26 %    26 %    43 %    6 %    22 %    3 %    25 % 
   NPA + 90+ ratio   22.7 %    0.0 %    13.2 %    5.6 %    2.3 %    1.2 %    0.8 %    7.6 %    0.6 %    3.1 % 
   YTD NCO ratio   12.8 %    0.0 %    6.8 %    1.7 %    3.4 %    1.4 %    3.6 %    10.0 %    3.3 %    2.4 % 

Total

    Loans (% of total, by loan type)   100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 % 
   NPA + 90+ ratio   17.0 %    0.4 %    23.1 %    6.5 %    2.4 %    1.1 %    0.4 %    6.5 %    0.2 %    3.2 % 
   YTD NCO ratio   16.1 %    -0.5 %    14.0 %    2.6 %    6.5 %    1.7 %    1.9 %    8.8 %    1.8 %    3.2 % 

Note: Consumer net charge-off ratios are calculated using second quarter end of period loan balances

Note: Percentages may not sum due to rounding

 

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Second Quarter 2009 Portfolio Loan and Lease Stratifications Commercial

 

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Total commercial loans ($48.8 billion)
          Florida    Michigan    Other    Total
Other non-owner occupied    Loans (% of total)    4%    4%    13%    22%
RE    NPA ratio    19.7%    7.9%    11.0%    11.8%
   YTD NCO ratio    9.8%    4.6%    3.8%    5.0%
Owner-occupied RE    Loans (% of total)    1%    4%    8%    13%
   NPA ratio    7.1%    4.7%    3.8%    4.4%
   YTD NCO ratio    0.7%    2.3%    1.3%    1.5%
C&I    Loans (% of total)    4%    10%    45%    58%
  

NPA ratio

    4.1%    2.1%    2.1%    2.2%
  

YTD NCO ratio

    5.0%    2.4%    1.6%    2.0%
Commercial lease    Loans (% of total)    <1%    <1%    7%    7%
  

NPA ratio

    0.0%    2.0%    1.4%    1.5%
  

YTD NCO ratio

    0.0%    0.2%    NM    0.0%
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)    9%    18%    73%    100%
  

NPA ratio

    11.0%    4.0%    3.9%    4.5%
  

YTD NCO ratio

    6.3%    2.9%    1.9%    2.4%
C&I    Loans (% of total)    4%    10%    45%    58%
  

NPA ratio

    4.1%    2.1%    2.1%    2.2%
  

YTD NCO ratio

    5.0%    2.4%    1.6%    2.0%
Commercial mortgage    Loans (% of total)    3%    7%    15%    25%
  

NPA ratio

    11.8%    5.2%    5.7%    6.4%
  

YTD NCO ratio

    5.1%    2.8%    2.0%    2.6%
Commercial construction    Loans (% of total)    2%    1%    6%    9%
  

NPA ratio

    24.5%    12.7%    14.9%    16.4%
  

YTD NCO ratio

    11.3%    7.1%    5.1%    6.5%
Commercial lease    Loans (% of total)    <1%    <1%    7%    7%
  

NPA ratio

    0.0%    2.0%    1.4%    1.5%
  

YTD NCO ratio

    0.0%    0.2%    NM    0.0%
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%    0.0%    0.0%
Total    Loans (% of total)    9%    18%    73%    100%
  

NPA ratio

    11.0%    4.0%    3.9%    4.5%
  

YTD NCO ratio

    6.3%    2.9%    1.9%    2.4%
Homebuilders / developers
(included in #’s above)		   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1%    1%    3%    4%
      38.8%    23.2%    28.0%    29.1%
      14.6%    14.3%    11.1%    12.3%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($48.8 billion)
          C&I    Commercial
mortgage		    Commercial
construction		    Other    Total
Other non-owner occupied    Loans (% of total)    <1%    14%    8%    <1%    22%
RE    NPA ratio    0.0%    8.2%    18.1%    0.0%    11.8%
   YTD NCO ratio    0.0%    3.5%    7.5%    0.0%    5.0%
Owner-occupied RE    Loans (% of total)    <1%    12%    1%    <1%    13%
   NPA ratio    0.0%    4.2%    6.7%    0.0%    4.4%
   YTD NCO ratio    0.0%    1.6%    1.1%    0.0%    1.5%
C&I    Loans (% of total)    58%    <1%    <1%    <1%    58%
   NPA ratio    2.2%    0.0%    0.0%    0.0%    2.2%
   YTD NCO ratio    2.0%    0.0%    0.0%    0.0%    2.0%
Commercial lease    Loans (% of total)    <1%    <1%    <1%    7%    7%
   NPA ratio    0.0%    0.0%    0.0%    1.5%    1.5%
   YTD NCO ratio    0.0%    0.0%    0.0%    0.0%    0.0%
Other    Loans (% of total)    <1%    <1%    <1%    1%    <1%
   NPA ratio    0.0%    0.0%    0.0%    0.0%    0.0%
   YTD NCO ratio    0.0%    0.0%    0.0%    0.0%    0.0%
Total    Loans (% of total)    58%    25%    9%    7%    100%
   NPA ratio    2.2%    6.4%    16.4%    1.5%    4.5%
   YTD NCO ratio    2.0%    2.6%    6.5%    0.0%    2.4%
Homebuilders / developers
(included in #’s above)		   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1%    2%    2%    <1%    4%
      11.8%    30.2%    33.3%    0.0%    29.1%
      6.4%    9.9%    15.9%    0.0%    12.3%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($48.8 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)

NPA ratio

YTD NCO ratio

    1 %    1 %    3 %    1 %    1 %    14 %    22 % 
      25.9 %    33.6 %    26.4 %    18.3 %    17.0 %    5.1 %    11.8 % 
      12.0 %    18.9 %    10.9 %    7.5 %    4.9 %    1.8 %    5.0 % 

Owner-occupied RE

    Loans (% of total)    <1 %    <1 %    <1 %    <1 %    <1 %    13 %    13 % 
  

NPA ratio

    0.0 %    67.7 %    8.1 %    0.0 %    1.1 %    4.2 %    4.4 % 
  

YTD NCO ratio

    0.0 %    3.0 %    4.7 %    0.0 %    NM      1.4 %    1.5 % 

C&I

    Loans (% of total)    <1 %    <1 %    1 %    <1 %    <1 %    57 %    58 % 
  

NPA ratio

    29.0 %    4.5 %    9.8 %    3.8 %    2.4 %    2.1 %    2.2 % 
  

YTD NCO ratio

    2.5 %    3.9 %    2.9 %    0.5 %    9.3 %    2.0 %    2.0 % 

Commercial lease

    Loans (% of total)    <1 %    <1 %    <1 %    <1 %    <1 %    7 %    7 % 
  

NPA ratio

    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    1.5 %    1.5 % 
  

YTD NCO ratio

    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.0 % 

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)    1 %    1 %    4 %    1 %    1 %    91 %    100 % 
  

NPA ratio

    26.0 %    32.9 %    21.0 %    14.4 %    15.3 %    2.8 %    4.5 % 
  

YTD NCO ratio

    11.6 %    18.0 %    8.6 %    5.7 %    4.9 %    1.7 %    2.4 % 

Florida

    Loans (% of total)    <1 %    <1 %    1 %    <1 %    <1 %    7 %    9 % 
  

NPA ratio

    32.5 %    43.1 %    37.5 %    17.7 %    22.5 %    5.2 %    11.0 % 
  

YTD NCO ratio

    16.5 %    35.3 %    12.4 %    7.3 %    4.5 %    3.9 %    6.3 % 

Michigan

    Loans (% of total)    <1 %    <1 %    1 %    <1 %    <1 %    16 %    18 % 
  

NPA ratio

    18.9 %    35.4 %    11.5 %    17.7 %    6.8 %    2.9 %    4.0 % 
  

YTD NCO ratio

    15.5 %    28.0 %    11.3 %    10.8 %    3.4 %    1.8 %    2.9 % 

Other

    Loans (% of total)    1 %    1 %    3 %    1 %    1 %    68 %    73 % 
  

NPA ratio

    27.0 %    28.0 %    19.3 %    12.4 %    12.6 %    2.5 %    3.9 % 
  

YTD NCO ratio

    8.1 %    7.7 %    6.9 %    3.7 %    5.3 %    1.4 %    1.9 % 

Total

    Loans (% of total)    1 %    1 %    4 %    1 %    1 %    91 %    100 % 
  

NPA ratio

    26.0 %    32.9 %    21.0 %    14.4 %    15.3 %    2.8 %    4.5 % 
  

YTD NCO ratio

    11.6 %    18.0 %    8.6 %    5.7 %    4.9 %    1.7 %    2.4 % 

Homebuilders / developers (included in #’s above)

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1 %    1 %    1 %    <1 %    <1 %    <1 %    4 % 
      26.3 %    33.0 %    34.6 %    0.0 %    0.0 %    8.5 %    29.1 % 
      10.1 %    12.6 %    15.5 %    0.0 %    0.0 %    8.4 %    12.3 % 

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($48.8 billion)
          C&I    Commercial
mortgage		    Commercial
construction		    Other    Total

Accommodation

    Loans (% of total)    1%    1%    <1%    <1%    2%
  

NPA ratio

    1.6%    3.3%    10.4%    3.0%    2.5%
  

YTD NCO ratio

    1.4%    3.1%    1.5%    0.0%    2.0%

Auto manufacturing

    Loans (% of total)    1%    <1%    <1%    <1%    1%
  

NPA ratio

    0.5%    0.0%    0.0%    0.0%    0.5%
  

YTD NCO ratio

    0.4%    0.0%    0.0%    0.0%    0.4%

Construction

    Loans (% of total)    3%    3%    3%    <1%    9%
  

NPA ratio

    6.5%    20.9%    28.9%    8.2%    19.4%
  

YTD NCO ratio

    5.6%    7.5%    11.2%    0.0%    8.3%

Finance & insurance

    Loans (% of total)    9%    <1%    <1%    <1%    10%
  

NPA ratio

    1.3%    2.8%    1.6%    0.0%    1.3%
  

YTD NCO ratio

    0.9%    0.9%    0.0%    0.0%    0.9%

Manufacturing

    Loans (% of total)    11%    1%    <1%    1%    13%
  

NPA ratio

    1.7%    4.4%    1.2%    3.6%    2.1%
  

YTD NCO ratio

    1.5%    3.5%    0.0%    0.0%    1.6%

Real estate

    Loans (% of total)    5%    13%    4%    <1%    22%
  

NPA ratio

    3.6%    5.5%    10.6%    0.6%    6.0%
  

YTD NCO ratio

    2.4%    2.5%    4.6%    0.0%    2.8%

Retail trade

    Loans (% of total)    2%    1%    <1%    <1%    3%
  

NPA ratio

    3.1%    6.1%    12.4%    2.3%    4.2%
  

YTD NCO ratio

    2.1%    1.3%    1.7%    0.0%    1.8%

Auto retailers

    Loans (% of total)    2%    1%    <1%    <1%    3%
  

NPA ratio

    4.7%    6.1%    0.0%    0.0%    4.9%
  

YTD NCO ratio

    8.2%    0.8%    0.0%    0.0%    6.6%

Wholesale trade

    Loans (% of total)    4%    1%    <1%    <1%    5%
  

NPA ratio

    1.9%    3.5%    1.3%    1.6%    2.0%
  

YTD NCO ratio

    0.8%    2.7%    0.0%    0.0%    1.0%

Other

    Loans (% of total)    20%    5%    1%    5%    32%
  

NPA ratio

    1.8%    2.6%    4.4%    0.9%    1.9%
  

YTD NCO ratio

    1.5%    0.6%    1.2%    NM    1.1%

Total

    Loans (% of total)    58%    25%    9%    7%    100%
  

NPA ratio

    2.2%    6.4%    16.4%    1.5%    4.5%
  

YTD NCO ratio

    2.0%    2.6%    6.5%    0.0%    2.4%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

13

LOGO

 

Total commercial loans ($48.8 billion)
          Florida    Michigan    Other    Total

Accommodation

    Loans (% of total)    <1%    <1%    1%    2%
  

NPA ratio

    2.3%    4.0%    2.2%    2.5%
  

YTD NCO ratio

    2.7%    4.7%    1.1%    2.0%

Auto manufacturing

    Loans (% of total)    <1%    1%    1%    1%
  

NPA ratio

    0.0%    0.1%    0.9%    0.5%
  

YTD NCO ratio

    0.0%    0.1%    0.7%    0.4%

Construction

    Loans (% of total)    1%    1%    6%    9%
  

NPA ratio

    32.4%    13.5%    18.2%    19.4%
  

YTD NCO ratio

    11.6%    8.4%    7.7%    8.3%

Finance & insurance

    Loans (% of total)    <1%    1%    8%    10%
  

NPA ratio

    2.0%    0.6%    1.4%    1.3%
  

YTD NCO ratio

    5.4%    0.0%    0.7%    0.9%

Manufacturing

    Loans (% of total)    <1%    2%    11%    13%
  

NPA ratio

    4.1%    1.3%    2.2%    2.1%
  

YTD NCO ratio

    0.0%    1.5%    1.6%    1.6%

Real estate

    Loans (% of total)    3%    6%    13%    22%
  

NPA ratio

    15.1%    5.1%    4.3%    6.0%
  

YTD NCO ratio

    9.0%    2.8%    1.4%    2.8%

Retail trade

    Loans (% of total)    <1%    1%    2%    3%
  

NPA ratio

    2.9%    6.5%    3.5%    4.2%
  

YTD NCO ratio

    1.9%    3.2%    1.3%    1.8%

Auto retailers

    Loans (% of total)    <1%    <1%    2%    3%
  

NPA ratio

    9.0%    1.1%    5.3%    4.9%
  

YTD NCO ratio

    18.7%    2.0%    6.2%    6.6%

Wholesale trade

    Loans (% of total)    <1%    1%    4%    5%
  

NPA ratio

    0.7%    2.5%    2.1%    2.0%
  

YTD NCO ratio

    0.4%    2.7%    0.7%    1.0%

Other

    Loans (% of total)    2%    4%    25%    32%
  

NPA ratio

    1.2%    2.5%    1.8%    1.9%
  

YTD NCO ratio

    1.1%    2.8%    0.8%    1.1%

Total

    Loans (% of total)    9%    18%    73%    100%
  

NPA ratio

    11.0%    4.0%    3.9%    4.5%
  

YTD NCO ratio

    6.3%    2.9%    1.9%    2.4%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

14