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

Exhibit 99.4

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Third Quarter 2009 Portfolio Loan and Lease Stratifications

Please refer to earnings release dated October 22, 2009 for further information

including full results including those reported on a U.S. GAAP basis

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Third Quarter 2009 Portfolio Loan and Lease Stratifications Consumer

 

2

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Brokered home equity ($2.0 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

    3.3 %    13.4 %    11.6 %    7.8 %    6.7 %    8.8 % 
  

YTD NCO ratio

    4.1 %    13.4 %    29.5 %    40.6 %    31.9 %    23.1 % 
Michigan   

Loans (% of total)

    2 %    3 %    5 %    4 %    7 %    21 % 
  

NPA + 90+ ratio

    2.2 %    3.2 %    2.6 %    2.8 %    3.3 %    2.9 % 
  

YTD NCO ratio

    4.2 %    5.4 %    6.8 %    8.1 %    10.4 %    7.8 % 
Other   

Loans (% of total)

    7 %    9 %    16 %    11 %    33 %    76 % 
  

NPA + 90+ ratio

    2.2 %    3.0 %    2.6 %    1.4 %    2.8 %    2.5 % 
  

YTD NCO ratio

    1.9 %    3.5 %    4.2 %    5.6 %    7.6 %    5.6 % 
Total   

Loans (% of total)

    10 %    13 %    22 %    15 %    41 %    100 % 
  

NPA + 90+ ratio

    2.3 %    3.7 %    2.8 %    1.9 %    3.0 %    2.8 % 
  

YTD NCO ratio

    2.5 %    4.5 %    5.5 %    6.8 %    8.7 %    6.6 % 
1sts   

Loans (% of total)

    4 %    4 %    2 %    1 %    3 %    14 % 
  

NPA + 90+ ratio

    2.4 %    5.4 %    3.7 %    0.8 %    3.4 %    3.6 % 
  

YTD NCO ratio

    2.6 %    3.2 %    3.9 %    0.6 %    3.4 %    3.1 % 
2nds   

Loans (% of total)

    5 %    9 %    20 %    14 %    37 %    86 % 
  

NPA + 90+ ratio

    2.2 %    3.0 %    2.7 %    1.9 %    2.9 %    2.7 % 
  

YTD NCO ratio

    2.4 %    5.0 %    5.7 %    7.0 %    9.2 %    7.2 % 
Total   

Loans (% of total)

    10 %    13 %    22 %    15 %    41 %    100 % 
  

NPA + 90+ ratio

    2.3 %    3.7 %    2.8 %    1.9 %    3.0 %    2.8 % 
  

YTD NCO ratio

    2.5 %    4.5 %    5.5 %    6.8 %    8.7 %    6.6 % 
HE loans   

Loans (% of total)

    2 %    3 %    5 %    3 %    12 %    25 % 
  

NPA + 90+ ratio

    2.8 %    4.8 %    2.4 %    1.1 %    2.9 %    2.8 % 
  

YTD NCO ratio

    2.5 %    2.6 %    5.3 %    6.5 %    8.7 %    6.7 % 
HELOCs   

Loans (% of total)

    8 %    10 %    18 %    11 %    28 %    75 % 
  

NPA + 90+ ratio

    2.2 %    3.3 %    2.9 %    2.1 %    3.0 %    2.8 % 
  

YTD NCO ratio

    2.5 %    5.0 %    5.6 %    6.9 %    8.7 %    6.5 % 
Total   

Loans (% of total)

    10 %    13 %    22 %    15 %    41 %    100 % 
  

NPA + 90+ ratio

    2.3 %    3.7 %    2.8 %    1.9 %    3.0 %    2.8 % 
  

YTD NCO ratio

    2.5 %    4.5 %    5.5 %    6.8 %    8.7 %    6.6 % 
< 660#   

Loans (% of total)

    <1 %    1 %    1 %    1 %    1 %    4 % 
   NPA + 90+ ratio    4.1 %    16.3 %    4.2 %    3.4 %    5.2 %    5.9 % 
   YTD NCO ratio    7.6 %    7.6 %    7.0 %    12.6 %    14.2 %    10.4 % 
660-689   

Loans (% of total)

    1 %    1 %    3 %    2 %    5 %    12 % 
   NPA + 90+ ratio    2.7 %    8.7 %    2.7 %    2.8 %    4.7 %    4.2 % 
   YTD NCO ratio    2.0 %    6.7 %    9.6 %    9.9 %    11.5 %    9.7 % 
690-719   

Loans (% of total)

    1 %    2 %    4 %    3 %    10 %    21 % 
   NPA + 90+ ratio    3.0 %    3.2 %    4.0 %    2.3 %    3.9 %    3.5 % 
   YTD NCO ratio    4.0 %    8.3 %    7.0 %    8.1 %    9.3 %    8.2 % 
720-749   

Loans (% of total)

    2 %    3 %    5 %    4 %    11 %    23 % 
   NPA + 90+ ratio    3.3 %    3.3 %    3.8 %    1.7 %    2.3 %    2.7 % 
   YTD NCO ratio    5.4 %    6.8 %    5.2 %    5.3 %    9.3 %    7.3 % 
750+   

Loans (% of total)

    5 %    6 %    9 %    6 %    13 %    39 % 
   NPA + 90+ ratio    1.4 %    2.0 %    1.7 %    1.2 %    1.9 %    1.7 % 
   YTD NCO ratio    0.8 %    1.4 %    3.6 %    5.4 %    6.0 %    3.9 % 
Other^   

Loans (% of total)

    <1 %    <1 %    <1 %    <1 %    <1 %    <1 % 
   NPA + 90+ ratio    5.4 %    0.0 %    0.0 %    0.0 %    1.9 %    4.1 % 
   YTD NCO ratio    4.7 %    0.0 %    0.0 %    0.0 %    1.2 %    3.5 % 
Total   

Loans (% of total)

    10 %    13 %    22 %    15 %    41 %    100 % 
   NPA + 90+ ratio    2.3 %    3.7 %    2.8 %    1.9 %    3.0 %    2.8 % 
   YTD NCO ratio    2.5 %    4.5 %    5.5 %    6.8 %    8.7 %    6.6 % 

 

# 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 end of period loan balances

Note: Percentages may not sum due to rounding

 

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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    1.5%   3.0%   5.0%   3.1%   8.8%   2.5%
   YTD NCO ratio    2.4%   4.6%   11.0%   9.4%   24.5%   4.9%
Michigan    Loans (% of total)    9%   5%   4%   2%   2%   21%
   NPA + 90+ ratio    1.0%   1.4%   1.5%   1.5%   2.4%   1.4%
   YTD NCO ratio    1.1%   1.9%   2.8%   4.2%   5.6%   2.3%
Other    Loans (% of total)    29%   16%   13%   5%   8%   70%
   NPA + 90+ ratio    0.7%   0.9%   0.8%   1.3%   1.2%   0.9%
   YTD NCO ratio    0.6%   0.7%   2.0%   2.3%   3.0%   1.3%
Total    Loans (% of total)    43%   23%   18%   7%   10%   100%
   NPA + 90+ ratio    0.9%   1.2%   1.2%   1.5%   1.7%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   4.2%   1.8%
1sts    Loans (% of total)    17%   7%   3%   1%   1%   27%
   NPA + 90+ ratio    0.7%   1.3%   1.6%   1.6%   1.8%   1.0%
   YTD NCO ratio    0.6%   1.0%   2.2%   4.3%   2.9%   1.0%
2nds    Loans (% of total)    26%   16%   15%   6%   10%   73%
   NPA + 90+ ratio    1.0%   1.1%   1.2%   1.4%   1.7%   1.2%
   YTD NCO ratio    1.1%   1.4%   2.8%   2.9%   4.3%   2.1%
Total    Loans (% of total)    43%   23%   18%   7%   10%   100%
   NPA + 90+ ratio    0.9%   1.2%   1.2%   1.5%   1.7%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   4.2%   1.8%
HE loans    Loans (% of total)    5%   2%   2%   1%   2%   12%
   NPA + 90+ ratio    1.5%   1.4%   1.5%   1.5%   1.5%   1.5%
   YTD NCO ratio    1.0%   1.8%   2.0%   2.8%   5.1%   2.2%
HELOCs    Loans (% of total)    38%   21%   15%   5%   8%   88%
   NPA + 90+ ratio    0.8%   1.1%   1.2%   1.5%   1.8%   1.1%
   YTD NCO ratio    0.9%   1.2%   2.8%   3.1%   4.0%   1.7%
Total    Loans (% of total)    43%   23%   18%   7%   10%   100%
   NPA + 90+ ratio    0.9%   1.2%   1.2%   1.5%   1.7%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   4.2%   1.8%
< 660#    Loans (% of total)    1%   1%   1%   <1%   1%   4%
   NPA + 90+ ratio    3.0%   3.5%   3.1%   4.0%   3.1%   3.2%
   YTD NCO ratio    3.2%   4.0%   8.2%   6.6%   11.5%   6.0%
660-689    Loans (% of total)    2%   2%   1%   1%   1%   7%
   NPA + 90+ ratio    0.9%   2.4%   2.4%   2.5%   2.2%   1.9%
   YTD NCO ratio    2.1%   2.9%   7.3%   7.1%   6.7%   4.7%
690-719    Loans (% of total)    3%   3%   3%   1%   2%   11%
   NPA + 90+ ratio    1.2%   2.7%   1.8%   2.3%   2.2%   2.0%
   YTD NCO ratio    1.0%   2.1%   4.3%   4.3%   4.9%   3.0%
720-749    Loans (% of total)    4%   4%   3%   1%   2%   15%
   NPA + 90+ ratio    0.7%   1.5%   1.2%   1.4%   1.4%   1.2%
   YTD NCO ratio    1.0%   1.6%   2.8%   2.6%   4.3%   2.2%
750+    Loans (% of total)    20%   14%   9%   3%   4%   50%
   NPA + 90+ ratio    0.3%   0.5%   0.7%   0.8%   1.3%   0.6%
   YTD NCO ratio    0.2%   0.7%   1.1%   1.7%   2.2%   0.8%
Other^    Loans (% of total)    12%   <1%   <1%   <1%   <1%   13%
   NPA + 90+ ratio    1.6%   0.0%   0.0%   0.0%   0.7%   1.5%
   YTD NCO ratio    1.6%   0.2%   0.2%   1.2%   1.7%   1.6%
Total    Loans (% of total)    43%   23%   18%   7%   10%   100%
   NPA + 90+ ratio    0.9%   1.2%   1.2%   1.5%   1.7%   1.1%
   YTD NCO ratio    0.9%   1.3%   2.7%   3.1%   4.2%   1.8%

 

# 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 end of period loan balances

Note: Percentages may not sum due to rounding

 

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Total home equity ($12.4 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%   8%
  NPA + 90+ ratio    1.5%   3.7%   5.7%   3.8%   8.1%   2.9%
  YTD NCO ratio    2.5%   5.2%   13.1%   13.9%   27.1%   6.1%

Michigan

   Loans (% of total)    7%   4%   4%   2%   3%   21%
  NPA + 90+ ratio    1.1%   1.5%   1.8%   1.9%   2.7%   1.6%
  YTD NCO ratio    1.2%   2.2%   3.7%   5.5%   7.5%   3.2%

Other

   Loans (% of total)    25%   15%   13%   6%   12%   71%
  NPA + 90+ ratio    0.8%   1.1%   1.2%   1.4%   1.9%   1.2%
  YTD NCO ratio    0.6%   1.0%   2.5%   3.3%   5.1%   2.0%

Total

   Loans (% of total)    37%   21%   18%   8%   15%   100%
  NPA + 90+ ratio    0.9%   1.4%   1.6%   1.6%   2.3%   1.4%
  YTD NCO ratio    1.0%   1.6%   3.3%   4.2%   6.2%   2.6%

1sts

   Loans (% of total)    15%   6%   3%   1%   1%   25%
  NPA + 90+ ratio    0.8%   1.7%   1.9%   1.5%   2.6%   1.2%
  YTD NCO ratio    0.7%   1.2%   2.5%   3.7%   3.2%   1.2%

2nds

   Loans (% of total)    23%   15%   16%   7%   14%   75%
  NPA + 90+ ratio    1.0%   1.3%   1.5%   1.6%   2.2%   1.5%
  YTD NCO ratio    1.2%   1.7%   3.4%   4.2%   6.4%   3.1%

Total

   Loans (% of total)    37%   21%   18%   8%   15%   100%
  NPA + 90+ ratio    0.9%   1.4%   1.6%   1.6%   2.3%   1.4%
  YTD NCO ratio    1.0%   1.6%   3.3%   4.2%   6.2%   2.6%

HE loans

   Loans (% of total)    4%   2%   3%   2%   4%   14%
  NPA + 90+ ratio    1.6%   2.1%   1.8%   1.3%   2.3%   1.9%
  YTD NCO ratio    1.1%   2.0%   3.0%   4.1%   7.1%   3.5%

HELOCs

   Loans (% of total)    33%   19%   16%   6%   12%   86%
  NPA + 90+ ratio    0.9%   1.3%   1.5%   1.6%   2.3%   1.3%
  YTD NCO ratio    1.0%   1.5%   3.3%   4.2%   5.9%   2.4%

Total

   Loans (% of total)    37%   21%   18%   8%   15%   100%
  NPA + 90+ ratio    0.9%   1.4%   1.6%   1.6%   2.3%   1.4%
  YTD NCO ratio    1.0%   1.6%   3.3%   4.2%   6.2%   2.6%

< 660#

   Loans (% of total)    1%   1%   1%   <1%   1%   4%
  NPA + 90+ ratio    3.1%   4.9%   3.3%   3.8%   3.8%   3.7%
  YTD NCO ratio    3.6%   4.4%   7.9%   8.5%   12.4%   6.8%

660-689

   Loans (% of total)    2%   1%   2%   1%   2%   8%
  NPA + 90+ ratio    1.1%   3.1%   2.5%   2.6%   3.4%   2.5%
  YTD NCO ratio    2.1%   3.3%   7.9%   8.1%   8.9%   6.0%

690-719

   Loans (% of total)    3%   3%   3%   1%   3%   13%
  NPA + 90+ ratio    1.4%   2.8%   2.4%   2.3%   3.0%   2.4%
  YTD NCO ratio    1.3%   3.0%   5.0%   5.6%   7.1%   4.4%

720-749

   Loans (% of total)    4%   4%   4%   2%   4%   17%
  NPA + 90+ ratio    0.9%   1.7%   1.8%   1.5%   1.8%   1.5%
  YTD NCO ratio    1.2%   2.2%   3.4%   3.5%   6.7%   3.4%

750+

   Loans (% of total)    17%   13%   9%   4%   6%   48%
  NPA + 90+ ratio    0.4%   0.6%   0.9%   0.9%   1.6%   0.7%
  YTD NCO ratio    0.2%   0.7%   1.5%   2.6%   3.6%   1.2%

Other^

   Loans (% of total)    10%   <1%   <1%   <1%   <1%   11%
  NPA + 90+ ratio    1.6%   0.0%   0.0%   0.0%   0.9%   1.5%
  YTD NCO ratio    1.6%   0.2%   0.2%   1.1%   1.6%   1.6%

Total

   Loans (% of total)    37%   21%   18%   8%   15%   100%
  NPA + 90+ ratio    0.9%   1.4%   1.6%   1.6%   2.3%   1.4%
  YTD NCO ratio    1.0%   1.6%   3.3%   4.2%   6.2%   2.6%

 

# 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 end of period loan balances

Note: Percentages may not sum due to rounding

 

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Total residential mortgage ($8.2 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    25.7%   24.8%   16.0%   11.8%   7.3%   21.9%   16.1%
  YTD NCO ratio    20.2%   25.9%   20.0%   15.6%   9.6%   23.4%   18.0%
Residential   Loans (% of total)    <1%   <1%   <1%   <1%   <1%   <1%   1%
construction   NPA + 90+ ratio    0.0%   14.8%   0.0%   0.0%   0.0%   4.3%   1.4%
  YTD NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%   -2.5%   -0.4%
Other non-owner   Loans (% of total)    <1%   <1%   <1%   <1%   1%   4%   6%
occupied   NPA + 90+ ratio    32.3%   30.8%   28.0%   17.5%   8.0%   21.5%   21.1%
  YTD NCO ratio    25.8%   24.3%   22.0%   18.3%   19.4%   10.7%   14.4%
Owner occupied   Loans (% of total)    9%   7%   11%   11%   27%   19%   85%
  NPA + 90+ ratio    10.7%   10.0%   7.4%   4.8%   2.5%   9.6%   6.6%
  YTD NCO ratio    4.8%   3.7%   2.7%   2.3%   1.2%   2.9%   2.5%
Total   Loans (% of total)    10%   8%   12%   13%   30%   26%   100%
  NPA + 90+ ratio    11.8%   11.8%   8.7%   5.7%   2.9%   12.7%   8.2%
  YTD NCO ratio    5.9%   5.9%   4.6%   3.8%   2.3%   6.2%   4.5%

 

Total residential mortgage ($8.2 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%   2%   8%
  NPA + 90+ ratio    22.8%   22.5%   13.8%   6.4%   11.3%   16.1%
  YTD NCO ratio    20.1%   30.2%   16.0%   8.6%   10.3%   18.0%
Residential   Loans (% of total)    <1%   <1%   <1%   <1%   <1%   1%
construction   NPA + 90+ ratio    0.0%   1.8%   0.0%   0.0%   59.2%   1.4%
  YTD NCO ratio    0.2%   -1.1%   0.3%   0.0%   0.0%   -0.4%
Other non-owner   Loans (% of total)    1%   3%   1%   <1%   <1%   6%
occupied   NPA + 90+ ratio    13.9%   20.0%   32.9%   23.9%   13.2%   21.1%
  YTD NCO ratio    8.7%   13.7%   21.5%   11.8%   17.8%   14.4%
Owner occupied   Loans (% of total)    23%   36%   8%   5%   14%   85%
  NPA + 90+ ratio    4.5%   5.9%   11.8%   11.2%   7.1%   6.6%
  YTD NCO ratio    1.1%   2.0%   5.3%   4.6%   4.0%   2.5%
Total   Loans (% of total)    26%   41%   11%   5%   17%   100%
  NPA + 90+ ratio    5.5%   7.8%   14.4%   11.4%   7.9%   8.2%
  YTD NCO ratio    2.2%   4.3%   8.8%   5.1%   5.3%   4.5%

 

Total residential mortgage ($8.2 billion)
         Florida   Michigan   Other   Total
Lots   Loans (% of total)    4%   1%   3%   8%
  NPA + 90+ ratio    25.7%   5.6%   7.6%   16.1%
  YTD NCO ratio    31.6%   3.1%   6.2%   18.0%
Residential   Loans (% of total)    <1%   <1%   <1%   1%
  NPA + 90+ ratio    0.0%   0.0%   2.7%   1.4%
  YTD NCO ratio    0.6%   0.0%   -1.1%   -0.4%
Other non-owner   Loans (% of total)    4%   <1%   2%   6%
occupied   NPA + 90+ ratio    24.9%   24.3%   13.5%   21.1%
  YTD NCO ratio    17.0%   22.7%   8.6%   14.4%
Owner occupied   Loans (% of total)    21%   13%   51%   85%
  NPA + 90+ ratio    11.8%   5.5%   4.7%   6.6%
  YTD NCO ratio    5.3%   3.0%   1.3%   2.5%
Total   Loans (% of total)    29%   14%   57%   100%
  NPA + 90+ ratio    15.2%   5.9%   5.2%   8.2%
  YTD NCO ratio    10.1%   3.5%   1.8%   4.5%

 

# 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

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

Note: Percentages may not sum due to rounding

 

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Total auto ($9.0 billion)  
FICO (origination)  
          < 660     660-689     690-719     720-750     750+     Other^     Total  

Auto/Van

    Loans (% of total)    1 %    4 %    8 %    9 %    20 %    1 %    42 % 
  

NPA + 90+ ratio

    1.0 %    0.9 %    0.6 %    0.4 %    0.1 %    0.8 %    0.4 % 
  

YTD NCO ratio

    5.2 %    3.7 %    2.4 %    1.6 %    0.6 %    2.8 %    1.5 % 

Small/Med SUV and

Compact Pickup

    Loans (% of total)    <1 %    2 %    5 %    6 %    13 %    <1 %    28 % 
  

NPA + 90+ ratio

    1.1 %    1.0 %    0.6 %    0.4 %    0.1 %    0.6 %    0.4 % 
  

YTD NCO ratio

    4.8 %    3.3 %    2.3 %    1.3 %    0.6 %    1.7 %    1.4 % 

Large SUV/Full Size Pickup

    Loans (% of total)    <1 %    2 %    5 %    5 %    9 %    1 %    22 % 
  

NPA + 90+ ratio

    1.3 %    1.0 %    0.8 %    0.5 %    0.2 %    0.5 %    0.5 % 
  

YTD NCO ratio

    4.0 %    4.0 %    2.5 %    1.4 %    0.7 %    2.3 %    1.6 % 

Other

    Loans (% of total)    <1 %    1 %    1 %    2 %    4 %    1 %    9 % 
  

NPA + 90+ ratio

    1.4 %    1.8 %    1.4 %    0.8 %    0.7 %    4.7 %    1.2 % 
  

YTD NCO ratio

    5.9 %    5.9 %    5.6 %    3.9 %    1.6 %    9.6 %    3.6 % 

Total

    Loans (% of total)    2 %    9 %    19 %    21 %    47 %    2 %    100 % 
  

NPA + 90+ ratio

    1.2 %    1.0 %    0.7 %    0.4 %    0.2 %    1.5 %    0.5 % 
  

YTD NCO ratio

    5.0 %    3.9 %    2.6 %    1.7 %    0.7 %    4.0 %    1.7 % 

New

    Loans (% of total)    1 %    3 %    8 %    10 %    25 %    1 %    48 % 
  

NPA + 90+ ratio

    1.0 %    1.0 %    0.6 %    0.4 %    0.1 %    0.5 %    0.4 % 
  

YTD NCO ratio

    4.5 %    3.3 %    2.2 %    1.4 %    0.5 %    2.1 %    1.3 % 

Used

    Loans (% of total)    1 %    5 %    11 %    12 %    22 %    1 %    52 % 
  

NPA + 90+ ratio

    1.3 %    1.0 %    0.7 %    0.5 %    0.3 %    2.8 %    0.6 % 
  

YTD NCO ratio

    5.2 %    4.2 %    3.0 %    1.8 %    0.9 %    6.5 %    2.1 % 

Total

    Loans (% of total)    2 %    9 %    19 %    21 %    47 %    2 %    100 % 
  

NPA + 90+ ratio

    1.2 %    1.0 %    0.7 %    0.4 %    0.2 %    1.5 %    0.5 % 
  

YTD NCO ratio

    5.0 %    3.9 %    2.6 %    1.7 %    0.7 %    4.0 %    1.7 % 

<=100% advance rate

    Loans (% of total)    1 %    5 %    10 %    10 %    30 %    2 %    58 % 
  

NPA + 90+ ratio

    1.1 %    0.8 %    0.5 %    0.3 %    0.1 %    1.7 %    0.3 % 
  

YTD NCO ratio

    4.1 %    2.6 %    1.7 %    1.0 %    0.4 %    3.6 %    1.1 % 

>100% advance rate

    Loans (% of total)    1 %    4 %    10 %    11 %    17 %    <1 %    42 % 
  

NPA + 90+ ratio

    1.4 %    1.3 %    0.9 %    0.6 %    0.3 %    0.9 %    0.6 % 
  

YTD NCO ratio

    6.7 %    5.6 %    3.6 %    2.3 %    1.3 %    5.2 %    2.6 % 

Total

    Loans (% of total)    2 %    9 %    19 %    21 %    47 %    2 %    100 % 
  

NPA + 90+ ratio

    1.2 %    1.0 %    0.7 %    0.4 %    0.2 %    1.5 %    0.5 % 
  

YTD NCO ratio

    5.0 %    3.9 %    2.6 %    1.7 %    0.7 %    4.0 %    1.7 % 

<=60 month term

    Loans (% of total)    1 %    2 %    4 %    5 %    16 %    1 %    28 % 
  

NPA + 90+ ratio

    1.1 %    0.7 %    0.4 %    0.2 %    0.1 %    1.2 %    0.2 % 
  

YTD NCO ratio

    4.3 %    2.8 %    1.5 %    0.7 %    0.2 %    2.8 %    0.9 % 

>60 month term

    Loans (% of total)    1 %    7 %    15 %    16 %    31 %    1 %    72 % 
  

NPA + 90+ ratio

    1.2 %    1.1 %    0.8 %    0.5 %    0.3 %    1.8 %    0.6 % 
  

YTD NCO ratio

    5.3 %    4.2 %    2.9 %    1.9 %    0.9 %    5.1 %    2.0 % 

Total

    Loans (% of total)    2 %    9 %    19 %    21 %    47 %    2 %    100 % 
  

NPA + 90+ ratio

    1.2 %    1.0 %    0.7 %    0.4 %    0.2 %    1.5 %    0.5 % 
  

YTD NCO ratio

    5.0 %    3.9 %    2.6 %    1.7 %    0.7 %    4.0 %    1.7 % 

^ Includes acquired loans where FICOs at origination is not available

Note: Consumer net charge-off ratios are calculated using 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 %    16 %    <1 %    4 %    0 %    4 %    32 %    14 %    <1 %    12 % 
   NPA + 90+ ratio    0.0 %    0.0 %    0.0 %    0.3 %    0.0 %    0.0 %    0.1 %    0.8 %    0.0 %    0.2 % 
   YTD NCO ratio    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    0.2 %    0.3 %    0.0 %    0.2 % 

2008

    Loans (% of total, by loan type)    2 %    48 %    2 %    15 %    1 %    14 %    31 %    17 %    47 %    18 % 
   NPA + 90+ ratio    7.0 %    0.0 %    4.7 %    3.5 %    0.3 %    0.3 %    0.5 %    6.0 %    0.1 %    1.3 % 
   YTD NCO ratio    0.8 %    0.0 %    9.2 %    1.0 %    0.9 %    0.6 %    1.9 %    8.1 %    0.7 %    1.7 % 

2007

    Loans (% of total, by loan type)    14 %    24 %    9 %    18 %    14 %    12 %    17 %    29 %    28 %    16 % 
   NPA + 90+ ratio    9.7 %    2.7 %    22.2 %    6.7 %    2.2 %    1.1 %    0.5 %    8.5 %    0.2 %    3.5 % 
   YTD NCO ratio    14.4 %    0.3 %    25.6 %    3.2 %    5.4 %    1.8 %    2.6 %    11.6 %    2.1 %    4.0 % 

2006

    Loans (% of total, by loan type)    35 %    6 %    18 %    14 %    33 %    14 %    9 %    11 %    12 %    14 % 
   NPA + 90+ ratio    14.4 %    13.6 %    27.8 %    11.5 %    3.7 %    1.9 %    0.9 %    10.2 %    0.3 %    5.7 % 
   YTD NCO ratio    14.6 %    -8.6 %    21.9 %    4.9 %    9.7 %    4.1 %    3.1 %    11.4 %    4.6 %    6.1 % 

2005

    Loans (% of total, by loan type)    38 %    4 %    38 %    24 %    26 %    13 %    7 %    8 %    11 %    15 % 
   NPA + 90+ ratio    19.0 %    0.0 %    26.5 %    7.5 %    2.7 %    1.5 %    0.6 %    8.9 %    0.4 %    5.7 % 
   YTD NCO ratio    23.6 %    0.8 %    15.4 %    3.0 %    6.6 %    2.5 %    2.4 %    10.1 %    4.0 %    4.9 % 

2004 & prior

    Loans (% of total, by loan type)    11 %    3 %    32 %    25 %    26 %    43 %    5 %    21 %    2 %    24 % 
   NPA + 90+ ratio    20.9 %    0.0 %    11.9 %    5.6 %    2.2 %    1.2 %    1.6 %    8.2 %    0.9 %    3.1 % 
   YTD NCO ratio    17.4 %    0.0 %    6.5 %    1.7 %    3.5 %    1.4 %    3.4 %    9.9 %    10.0 %    2.4 % 

Total

    Loans (% of total, by loan type)    100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 %    100 % 
   NPA + 90+ ratio    16.1 %    1.4 %    21.1 %    6.6 %    2.8 %    1.1 %    0.5 %    7.1 %    0.2 %    3.2 % 
   YTD NCO ratio    18.0 %    -0.4 %    14.4 %    2.5 %    6.6 %    1.8 %    1.7 %    8.9 %    2.1 %    3.2 % 

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

Note: Percentages may not sum due to rounding

 

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Third Quarter 2009 Portfolio Loan and Lease Stratifications

Commercial

 

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Total commercial loans ($46.0 billion)
          Florida   Michigan   Other   Total

Other non-owner occupied

RE

   

Loans (% of total)

    4%   5%   14%   22%
   NPA ratio    27.7%   10.0%   12.1%   14.2%
   YTD NCO ratio    12.5%   5.3%   4.6%   6.1%
Owner-occupied RE   

Loans (% of total)

    2%   4%   8%   14%
   NPA ratio    7.5%   5.1%   4.1%   4.7%
   YTD NCO ratio    1.0%   2.3%   1.4%   1.6%
C&I   

Loans (% of total)

    4%   9%   44%   57%
   NPA ratio    7.7%   3.0%   2.6%   3.0%
   YTD NCO ratio    4.8%   3.5%   2.2%   2.5%
Commercial lease   

Loans (% of total)

    <1%   1%   7%   8%
   NPA ratio    8.2%   2.7%   1.3%   1.4%
   YTD NCO ratio    0.0%   0.1%   NM   NM
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    15.5%   5.3%   4.4%   5.6%
   YTD NCO ratio    7.3%   3.6%   2.3%   3.0%
C&I   

Loans (% of total)

    4%   9%   44%   57%
   NPA ratio    7.7%   3.0%   2.6%   3.0%
   YTD NCO ratio    4.8%   3.5%   2.2%   2.5%

Commercial

mortgage

   

Loans (% of total)

    3%   7%   16%   26%
   NPA ratio    16.8%   6.5%   6.8%   8.0%
   YTD NCO ratio    6.4%   3.0%   2.3%   3.0%
Commercial construction   

Loans (% of total)

    2%   1%   6%   9%
   NPA ratio    31.7%   14.7%   15.1%   18.1%
   YTD NCO ratio    14.8%   8.4%   6.3%   8.1%
Commercial lease   

Loans (% of total)

    <1%   1%   7%   8%
   NPA ratio    8.2%   2.7%   1.3%   1.4%
   YTD NCO ratio    0.0%   0.1%   NM   NM
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    15.5%   5.3%   4.4%   5.6%
   YTD NCO ratio    7.3%   3.6%   2.3%   3.0%

Homebuilders / developers

(included in #’s above)

   

Loans (% of total)

    1%   1%   3%   4%
   NPA ratio    50.3%   22.5%   30.3%   32.5%
   YTD NCO ratio    24.3%   14.3%   12.7%   15.2%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($46.0 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total

Other non-owner occupied

RE

   

Loans (% of total)

    <1%   14%   8%   <1%   22%
  

NPA ratio

    0.0%   11.2%   19.8%   0.0%   14.2%
  

YTD NCO ratio

    0.0%   4.2%   9.4%   0.0%   6.1%

Owner-occupied RE

   

Loans (% of total)

    <1%   12%   1%   <1%   14%
  

NPA ratio

    0.0%   4.3%   8.8%   0.0%   4.7%
  

YTD NCO ratio

    0.0%   1.7%   1.2%   0.0%   1.6%

C&I

   

Loans (% of total)

    57%   <1%   <1%   <1%   57%
  

NPA ratio

    3.0%   0.0%   0.0%   0.0%   3.0%
  

YTD NCO ratio

    2.5%   0.0%   0.0%   0.0%   2.5%

Commercial lease

   

Loans (% of total)

    <1%   <1%   <1%   8%   8%
  

NPA ratio

    0.0%   0.0%   0.0%   1.4%   1.4%
  

YTD NCO ratio

    0.0%   0.0%   0.0%   NM   NM

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%   NM   0.0%   0.0%   NM

Total

   

Loans (% of total)

    57%   26%   9%   8%   100%
  

NPA ratio

    3.0%   8.0%   18.1%   1.4%   5.6%
  

YTD NCO ratio

    2.5%   3.0%   8.1%   NM   3.0%

Homebuilders / developers

(included in #’s above)

   

Loans (% of total)

    1%   2%   2%   <1%   4%
  

NPA ratio

    16.7%   33.2%   36.5%   0.0%   32.5%
  

YTD NCO ratio

    8.7%   13.4%   18.6%   0.0%   15.2%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($46.0 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 %    15 %    22 % 
      26.1 %    40.6 %    29.0 %    21.2 %    24.7 %    7.5 %    14.2 % 
      14.3 %    20.6 %    14.3 %    10.9 %    5.2 %    2.3 %    6.1 % 

Owner-occupied RE

    Loans (% of total)    <1 %    <1 %    <1 %    <1 %    <1 %    13 %    14 % 
  

NPA ratio

    0.0 %    32.6 %    8.7 %    0.0 %    1.6 %    4.6 %    4.7 % 
  

YTD NCO ratio

    0.0 %    1.8 %    4.1 %    0.0 %    NM      1.6 %    1.6 % 

C&I

    Loans (% of total)    <1 %    <1 %    1 %    <1 %    <1 %    56 %    57 % 
  

NPA ratio

    45.5 %    10.1 %    21.1 %    3.5 %    4.5 %    2.6 %    3.0 % 
  

YTD NCO ratio

    10.4 %    4.2 %    3.7 %    0.5 %    7.2 %    2.5 %    2.5 % 

Commercial lease

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

NPA ratio

    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    1.4 %    1.4 % 
  

YTD NCO ratio

    0.0 %    0.0 %    0.0 %    0.0 %    0.0 %    NM      NM   

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

    26.8 %    38.9 %    25.4 %    16.2 %    21.9 %    3.6 %    5.6 % 
  

YTD NCO ratio

    14.2 %    19.5 %    11.0 %    8.2 %    5.1 %    2.1 %    3.0 % 

Florida

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

NPA ratio

    30.8 %    55.5 %    57.9 %    6.3 %    41.6 %    8.6 %    15.5 % 
  

YTD NCO ratio

    21.7 %    35.3 %    21.2 %    11.7 %    4.7 %    4.0 %    7.3 % 

Michigan

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

NPA ratio

    16.7 %    32.4 %    19.2 %    29.3 %    4.0 %    3.8 %    5.3 % 
  

YTD NCO ratio

    13.6 %    27.7 %    13.1 %    14.5 %    4.0 %    2.5 %    3.6 % 

Other

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

NPA ratio

    30.4 %    33.5 %    19.1 %    16.8 %    14.0 %    3.0 %    4.4 % 
  

YTD NCO ratio

    11.7 %    10.7 %    7.9 %    5.2 %    5.4 %    1.8 %    2.3 % 

Total

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

NPA ratio

    26.8 %    38.9 %    25.4 %    16.2 %    21.9 %    3.6 %    5.6 % 
  

YTD NCO ratio

    14.2 %    19.5 %    11.0 %    8.2 %    5.1 %    2.1 %    3.0 % 

Homebuilders / developers (included in #’s above)

   

Loans (% of total)

NPA ratio

YTD NCO ratio

    1 %    1 %    1 %    <1 %    <1 %    <1 %    4 % 
      26.6 %    38.8 %    40.2 %    0.0 %    0.0 %    9.5 %    32.5 % 
      13.2 %    16.0 %    18.6 %    0.0 %    0.0 %    8.9 %    15.2 % 

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($46.0 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total
Accommodation    Loans (% of total)    1%   1%   <1%   <1%   2%
   NPA ratio    4.1%   4.7%   10.9%   3.2%   4.5%
   YTD NCO ratio    2.0%   2.5%   1.0%   0.0%   2.1%
Auto manufacturing    Loans (% of total)    1%   <1%   <1%   <1%   1%
   NPA ratio    5.4%   1.7%   0.0%   0.0%   4.9%
   YTD NCO ratio    3.7%   0.0%   0.0%   NM   3.3%
Construction    Loans (% of total)    3%   3%   3%   <1%   9%
   NPA ratio    7.1%   24.2%   30.2%   4.9%   20.6%
   YTD NCO ratio    5.3%   9.7%   13.2%   NM   9.6%
Finance & insurance    Loans (% of total)    9%   <1%   <1%   <1%   9%
   NPA ratio    0.8%   4.8%   1.2%   0.0%   0.9%
   YTD NCO ratio    1.2%   0.6%   0.5%   0.0%   1.2%
Manufacturing    Loans (% of total)    11%   1%   <1%   1%   13%
   NPA ratio    3.2%   2.7%   0.0%   2.7%   3.1%
   YTD NCO ratio    1.6%   4.1%   0.0%   NM   1.7%
Real estate    Loans (% of total)    5%   13%   4%   <1%   23%
   NPA ratio    6.4%   7.9%   14.1%   3.3%   8.6%
   YTD NCO ratio    3.0%   2.8%   6.2%   0.0%   3.5%
Retail trade    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    3.9%   6.2%   8.1%   0.2%   4.5%
   YTD NCO ratio    1.9%   1.9%   4.1%   NM   1.8%
Auto retailers    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    3.5%   5.2%   24.1%   0.0%   4.3%
   YTD NCO ratio    6.8%   1.0%   0.0%   0.0%   5.4%
Wholesale trade    Loans (% of total)    4%   1%   <1%   <1%   5%
   NPA ratio    2.7%   3.0%   1.9%   0.8%   2.6%
   YTD NCO ratio    2.1%   2.3%   0.0%   NM   2.0%
Other    Loans (% of total)    20%   5%   1%   5%   32%
   NPA ratio    2.2%   3.1%   2.8%   1.1%   2.2%
   YTD NCO ratio    2.7%   0.6%   2.7%   NM   1.9%
Total    Loans (% of total)    57%   26%   9%   8%   100%
   NPA ratio    3.0%   8.0%   18.1%   1.4%   5.6%
   YTD NCO ratio    2.5%   3.0%   8.1%   NM   3.0%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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LOGO

 

Total commercial loans ($46.0 billion)
          Florida   Michigan   Other   Total

Accommodation

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

NPA ratio

    12.1%   3.8%   2.3%   4.5%
  

YTD NCO ratio

    4.0%   3.7%   1.1%   2.1%

Auto manufacturing

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

NPA ratio

    0.0%   4.8%   4.9%   4.9%
  

YTD NCO ratio

    0.0%   6.0%   0.5%   3.3%

Construction

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

NPA ratio

    35.6%   15.1%   19.0%   20.6%
  

YTD NCO ratio

    15.4%   10.1%   8.3%   9.6%

Finance & insurance

    Loans (% of total)    <1%   1%   8%   9%
  

NPA ratio

    1.9%   0.6%   1.0%   0.9%
  

YTD NCO ratio

    4.2%   0.0%   1.1%   1.2%

Manufacturing

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

NPA ratio

    11.1%   1.9%   3.1%   3.1%
  

YTD NCO ratio

    0.1%   1.4%   1.8%   1.7%

Real estate

    Loans (% of total)    3%   6%   14%   23%
  

NPA ratio

    25.2%   6.9%   5.6%   8.6%
  

YTD NCO ratio

    11.2%   3.2%   1.8%   3.5%

Retail trade

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

NPA ratio

    6.9%   7.3%   3.2%   4.5%
  

YTD NCO ratio

    2.2%   3.0%   1.4%   1.8%

Auto retailers

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

NPA ratio

    10.1%   2.2%   4.0%   4.3%
  

YTD NCO ratio

    13.5%   1.4%   5.3%   5.4%

Wholesale trade

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

NPA ratio

    1.4%   2.8%   2.7%   2.6%
  

YTD NCO ratio

    0.5%   3.3%   1.9%   2.0%

Other

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

NPA ratio

    1.6%   3.0%   2.1%   2.2%
  

YTD NCO ratio

    0.9%   4.0%   1.6%   1.9%

Total

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

NPA ratio

    15.5%   5.3%   4.4%   5.6%
  

YTD NCO ratio

    7.3%   3.6%   2.3%   3.0%

NPAs exclude loans held-for-sale

Note: Percentages may not sum due to rounding

 

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Cautionary Statement

This report may contain statements that we believe are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. They usually can be identified by the use of forward-looking language such as “will likely result,” “may,” “are expected to,” “is anticipated,” “estimate,” “forecast,” “projected,” “intends to,” or may include other similar words or phrases such as “believes,” “plans,” “trend,” “objective,” “continue,” “remain,” or similar expressions, or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” or similar verbs. You should not place undue reliance on these statements, as they are subject to risks and uncertainties, including but not limited to the risk factors set forth in our most recent Annual Report on Form 10-K and our most recent quarterly report on Form 10-Q. When considering these forward-looking statements, you should keep in mind these risks and uncertainties, as well as any cautionary statements we may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to us.

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 nationally or in the states in which Fifth Third, one or more acquired entities and/or the combined company do 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) maintaining capital requirements may limit Fifth Third’s operations and potential growth; (8) changes and trends in capital markets; (9) problems encountered by larger or similar financial institutions may adversely affect the banking industry and/or Fifth Third (10) competitive pressures among depository institutions increase significantly; (11) effects of critical accounting policies and judgments; (12) changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (FASB) or other regulatory agencies; (13) legislative or regulatory changes or actions, or significant litigation, adversely affect Fifth Third, one or more acquired entities and/or the combined company or the businesses in which Fifth Third, one or more acquired entities and/or the combined company are engaged; (14) ability to maintain favorable ratings from rating agencies; (15) fluctuation of Fifth Third’s stock price; (16) ability to attract and retain key personnel; (17) ability to receive dividends from its subsidiaries; (18) potentially dilutive effect of future acquisitions on current shareholders’ ownership of Fifth Third; (19) effects of accounting or financial results of one or more acquired entities; (20) lower than expected gains related to any sale or potential sale of businesses; (21) difficulties in separating Fifth Third Processing Solutions from Fifth Third; (22) loss of income from any sale or potential sale of businesses that could have an adverse effect on Fifth Third’s earnings and future growth;(23) ability to secure confidential information through the use of computer systems and telecommunications networks; and (24) the impact of reputational risk created by these developments on such matters as business generation and retention, funding and liquidity.

You should refer to our periodic and current reports filed with the Securities and Exchange Commission, or “SEC,” for further information on other factors, which could cause actual results to be significantly different from those expressed or implied by these forward-looking statements.

 

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