EX-99.4 5 dex994.htm FIRST QUARTER 2010 PORTFOLIO LOAN AND LEASE STRATIFICATIONS First Quarter 2010 Portfolio Loan and Lease Stratifications

Exhibit 99.4

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First Quarter 2010 Portfolio Loan and Lease Stratifications

Please refer to earnings release dated April 22, 2010 for further information

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

LOGO

First Quarter 2010 Portfolio Loan and Lease Stratifications

Consumer

 

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Brokered home equity ($1.9 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    6.0%   18.8%   4.0%   5.8%   5.5%   8.6%
   YTD NCO ratio    1.3%   15.9%   43.2%   41.9%   34.9%   26.2%
Michigan    Loans (% of total)    2%   3%   5%   4%   7%   21%
   NPA + 90+ ratio    1.2%   2.9%   2.2%   2.3%   2.7%   2.4%
   YTD NCO ratio    4.1%   5.0%   7.1%   9.3%   9.4%   7.6%
Other    Loans (% of total)    7%   9%   16%   11%   33%   76%
   NPA + 90+ ratio    2.1%   2.7%   2.2%   2.4%   2.1%   2.2%
   YTD NCO ratio    1.5%   2.4%   4.8%   7.2%   6.1%   5.1%
Total    Loans (% of total)    10%   13%   22%   14%   41%   100%
   NPA + 90+ ratio    2.1%   3.7%   2.3%   2.4%   2.3%   2.4%
   YTD NCO ratio    2.1%   3.7%   6.3%   8.3%   7.3%   6.2%
1sts    Loans (% of total)    5%   4%   3%   1%   4%   15%
   NPA + 90+ ratio    2.1%   3.4%   3.4%   3.1%   2.9%   2.8%
   YTD NCO ratio    2.4%   1.5%   2.1%   0.0%   3.7%   2.3%
2nds    Loans (% of total)    5%   9%   20%   14%   37%   85%
   NPA + 90+ ratio    2.1%   3.8%   2.1%   2.4%   2.2%   2.4%
   YTD NCO ratio    1.8%   4.7%   6.8%   8.6%   7.6%   7.0%
Total    Loans (% of total)    10%   13%   22%   14%   41%   100%
   NPA + 90+ ratio    2.1%   3.7%   2.3%   2.4%   2.3%   2.4%
   YTD NCO ratio    2.1%   3.7%   6.3%   8.3%   7.3%   6.2%
HE loans    Loans (% of total)    1%   3%   5%   3%   12%   24%
   NPA + 90+ ratio    1.3%   4.5%   3.5%   3.1%   2.4%   2.9%
   YTD NCO ratio    0.5%   4.2%   4.7%   12.2%   7.4%   6.7%
HELOCs    Loans (% of total)    9%   10%   18%   11%   28%   76%
   NPA + 90+ ratio    2.2%   3.4%   1.9%   2.2%   2.2%   2.3%
   YTD NCO ratio    2.4%   3.6%   6.7%   7.2%   7.3%   6.1%
Total    Loans (% of total)    10%   13%   22%   14%   41%   100%
   NPA + 90+ ratio    2.1%   3.7%   2.3%   2.4%   2.3%   2.4%
   YTD NCO ratio    2.1%   3.7%   6.3%   8.3%   7.3%   6.2%
< 660#    Loans (% of total)    1%   1%   1%   1%   1%   4%
   NPA + 90+ ratio    4.8%   9.4%   5.7%   5.1%   2.9%   5.0%
   YTD NCO ratio    4.7%   5.2%   16.1%   6.6%   6.1%   8.6%
660-689    Loans (% of total)    1%   1%   3%   2%   5%   12%
   NPA + 90+ ratio    4.0%   9.7%   4.8%   4.0%   3.2%   4.3%
   YTD NCO ratio    2.3%   5.5%   9.6%   8.1%   8.4%   7.9%
690-719    Loans (% of total)    1%   2%   4%   3%   10%   21%
   NPA + 90+ ratio    4.0%   2.8%   2.9%   3.1%   2.8%   2.9%
   YTD NCO ratio    5.7%   5.5%   5.7%   8.1%   8.6%   7.4%
720-749    Loans (% of total)    2%   3%   5%   4%   11%   23%
   NPA + 90+ ratio    2.1%   3.2%   1.6%   1.5%   2.1%   2.0%
   YTD NCO ratio    1.6%   3.3%   8.8%   8.5%   7.7%   7.1%
750+    Loans (% of total)    5%   6%   9%   5%   13%   39%
   NPA + 90+ ratio    1.0%   2.6%   1.1%   1.8%   1.6%   1.6%
   YTD NCO ratio    1.0%   2.7%   3.0%   8.6%   5.7%   4.4%
Other^    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   <1%
   NPA + 90+ ratio    2.1%   0.0%   0.0%   0.0%   0.0%   1.5%
   YTD NCO ratio    2.4%   43.6%   0.0%   0.0%   -0.4%   3.4%
Total    Loans (% of total)    10%   13%   22%   14%   41%   100%
   NPA + 90+ ratio    2.1%   3.7%   2.3%   2.4%   2.3%   2.4%
   YTD NCO ratio    2.1%   3.7%   6.3%   8.3%   7.3%   6.2%

 

# 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 ($10.1 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    1.4%   1.8%   2.5%   3.4%   7.2%   1.9%
   YTD NCO ratio    1.7%   3.1%   11.2%   6.4%   6.1%   3.3%
Michigan    Loans (% of total)    9%   5%   4%   1%   2%   21%
   NPA + 90+ ratio    0.8%   1.0%   1.4%   1.6%   1.7%   1.1%
   YTD NCO ratio    1.5%   1.2%   3.1%   3.1%   6.4%   2.3%
Other    Loans (% of total)    29%   16%   13%   5%   7%   70%
   NPA + 90+ ratio    0.9%   0.9%   0.9%   1.2%   1.2%   0.9%
   YTD NCO ratio    0.8%   0.7%   1.2%   2.5%   3.4%   1.2%
Total    Loans (% of total)    43%   23%   17%   6%   10%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.1%   1.4%   1.5%   1.1%
   YTD NCO ratio    1.0%   1.0%   2.2%   2.8%   4.1%   1.6%
1sts    Loans (% of total)    20%   8%   3%   1%   1%   32%
   NPA + 90+ ratio    0.5%   1.2%   1.5%   1.6%   1.9%   0.8%
   YTD NCO ratio    0.5%   0.7%   0.5%   1.4%   0.1%   0.5%
2nds    Loans (% of total)    24%   15%   14%   6%   9%   68%
   NPA + 90+ ratio    1.3%   0.9%   1.0%   1.4%   1.5%   1.2%
   YTD NCO ratio    1.5%   1.1%   2.5%   2.9%   4.4%   2.1%
Total    Loans (% of total)    43%   23%   17%   6%   10%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.1%   1.4%   1.5%   1.1%
   YTD NCO ratio    1.0%   1.0%   2.2%   2.8%   4.1%   1.6%
HE loans    Loans (% of total)    4%   2%   2%   1%   2%   11%
   NPA + 90+ ratio    2.1%   1.5%   1.6%   1.3%   1.7%   1.7%
   YTD NCO ratio    1.1%   0.4%   1.5%   1.5%   3.9%   1.5%
HELOCs    Loans (% of total)    39%   21%   15%   5%   8%   89%
   NPA + 90+ ratio    0.8%   0.9%   1.0%   1.4%   1.5%   1.0%
   YTD NCO ratio    1.0%   1.0%   2.3%   3.1%   4.1%   1.6%
Total    Loans (% of total)    43%   23%   17%   6%   10%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.1%   1.4%   1.5%   1.1%
   YTD NCO ratio    1.0%   1.0%   2.2%   2.8%   4.1%   1.6%
< 660#    Loans (% of total)    1%   1%   1%   <1%   1%   4%
   NPA + 90+ ratio    2.9%   3.1%   2.3%   2.5%   3.7%   2.9%
   YTD NCO ratio    1.9%   3.9%   9.0%   8.5%   7.5%   5.2%
660-689    Loans (% of total)    2%   2%   1%   1%   1%   7%
   NPA + 90+ ratio    1.2%   2.9%   3.0%   3.4%   2.2%   2.3%
   YTD NCO ratio    3.6%   2.4%   3.2%   7.0%   5.5%   3.9%
690-719    Loans (% of total)    3%   3%   2%   1%   2%   11%
   NPA + 90+ ratio    1.0%   2.2%   1.4%   2.8%   1.6%   1.6%
   YTD NCO ratio    1.1%   1.2%   3.2%   3.6%   7.2%   2.9%
720-749    Loans (% of total)    5%   4%   3%   1%   2%   16%
   NPA + 90+ ratio    0.9%   1.2%   1.2%   0.7%   1.5%   1.1%
   YTD NCO ratio    0.9%   1.2%   1.7%   1.7%   3.6%   1.6%
750+    Loans (% of total)    20%   14%   9%   3%   4%   50%
   NPA + 90+ ratio    0.3%   0.3%   0.6%   0.7%   1.0%   0.4%
   YTD NCO ratio    0.3%   0.5%   1.3%   1.5%   1.9%   0.8%
Other^    Loans (% of total)    12%   <1%   <1%   <1%   <1%   12%
   NPA + 90+ ratio    1.8%   0.6%   0.2%   0.0%   0.0%   1.8%
   YTD NCO ratio    1.8%   0.0%   2.5%   7.2%   4.5%   1.8%
Total    Loans (% of total)    43%   23%   17%   6%   10%   100%
   NPA + 90+ ratio    1.0%   1.0%   1.1%   1.4%   1.5%   1.1%
   YTD NCO ratio    1.0%   1.0%   2.2%   2.8%   4.1%   1.6%

 

# 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 home equity ($11.9 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    1.4%   2.9%   2.6%   3.7%   6.6%   2.2%
   YTD NCO ratio    1.7%   3.9%   14.3%   11.1%   15.8%   4.6%
Michigan    Loans (% of total)    8%   5%   4%   2%   3%   21%
   NPA + 90+ ratio    0.9%   1.2%   1.6%   1.8%   2.1%   1.3%
   YTD NCO ratio    1.6%   1.6%   3.9%   5.0%   7.6%   3.1%
Other    Loans (% of total)    25%   15%   13%   6%   11%   71%
   NPA + 90+ ratio    1.0%   1.0%   1.1%   1.6%   1.6%   1.2%
   YTD NCO ratio    0.8%   0.8%   1.9%   3.9%   4.6%   1.9%
Total    Loans (% of total)    38%   21%   18%   8%   15%   100%
   NPA + 90+ ratio    1.0%   1.2%   1.3%   1.7%   1.8%   1.3%
   YTD NCO ratio    1.1%   1.2%   3.0%   4.4%   5.5%   2.4%
1sts    Loans (% of total)    17%   7%   3%   1%   1%   29%
   NPA + 90+ ratio    0.6%   1.4%   1.7%   1.8%   2.4%   1.0%
   YTD NCO ratio    0.5%   0.7%   0.8%   1.2%   1.8%   0.7%
2nds    Loans (% of total)    21%   14%   15%   7%   13%   71%
   NPA + 90+ ratio    1.4%   1.1%   1.2%   1.7%   1.8%   1.4%
   YTD NCO ratio    1.5%   1.5%   3.4%   4.7%   5.8%   3.0%
Total    Loans (% of total)    38%   21%   18%   8%   15%   100%
   NPA + 90+ ratio    1.0%   1.2%   1.3%   1.7%   1.8%   1.3%
   YTD NCO ratio    1.1%   1.2%   3.0%   4.4%   5.5%   2.4%
HE loans    Loans (% of total)    4%   2%   2%   1%   3%   13%
   NPA + 90+ ratio    2.0%   2.1%   2.1%   1.9%   2.1%   2.1%
   YTD NCO ratio    1.0%   1.2%   2.5%   5.2%   5.8%   3.0%
HELOCs    Loans (% of total)    34%   19%   16%   6%   11%   87%
   NPA + 90+ ratio    0.9%   1.1%   1.2%   1.7%   1.8%   1.2%
   YTD NCO ratio    1.1%   1.2%   3.0%   4.3%   5.4%   2.3%
Total    Loans (% of total)    38%   21%   18%   8%   15%   100%
   NPA + 90+ ratio    1.0%   1.2%   1.3%   1.7%   1.8%   1.3%
   YTD NCO ratio    1.1%   1.2%   3.0%   4.4%   5.5%   2.4%
< 660#    Loans (% of total)    1%   1%   1%   <1%   1%   4%
   NPA + 90+ ratio    3.1%   3.8%   3.0%   3.3%   3.4%   3.3%
   YTD NCO ratio    2.1%   4.0%   10.6%   7.8%   7.0%   5.8%
660-689    Loans (% of total)    2%   1%   2%   1%   2%   8%
   NPA + 90+ ratio    1.4%   3.6%   3.4%   3.6%   2.6%   2.8%
   YTD NCO ratio    3.5%   2.7%   4.9%   7.4%   6.9%   4.9%
690-719    Loans (% of total)    3%   3%   3%   1%   3%   13%
   NPA + 90+ ratio    1.2%   2.3%   1.7%   2.9%   2.2%   2.0%
   YTD NCO ratio    1.4%   1.8%   3.8%   5.2%   7.9%   4.0%
720-749    Loans (% of total)    4%   4%   4%   2%   4%   17%
   NPA + 90+ ratio    1.0%   1.5%   1.3%   1.0%   1.8%   1.3%
   YTD NCO ratio    0.9%   1.5%   3.2%   3.9%   5.5%   2.8%
750+    Loans (% of total)    18%   13%   9%   3%   5%   49%
   NPA + 90+ ratio    0.3%   0.5%   0.7%   1.0%   1.2%   0.6%
   YTD NCO ratio    0.4%   0.7%   1.6%   3.3%   3.3%   1.2%
Other^    Loans (% of total)    10%   <1%   <1%   <1%   <1%   10%
   NPA + 90+ ratio    1.8%   0.5%   0.2%   0.0%   0.0%   1.8%
   YTD NCO ratio    1.8%   0.8%   2.3%   6.7%   3.5%   1.8%
Total    Loans (% of total)    38%   21%   18%   8%   15%   100%
   NPA + 90+ ratio    1.0%   1.2%   1.3%   1.7%   1.8%   1.3%
   YTD NCO ratio    1.1%   1.2%   3.0%   4.4%   5.5%   2.4%

 

# 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 ($8.0 billion)

FICO (origination)

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

Lots

    Loans (% of total)    <1%   <1%   1%   1%   2%   2%   7%
   NPA + 90+ ratio    30.8%   21.7%   17.6%   11.4%   6.9%   19.7%   15.1%
   YTD NCO ratio    13.6%   10.3%   22.2%   16.0%   9.9%   34.5%   20.8%

Residential construction

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   <1%   <1%
   NPA + 90+ 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%   0.0%   0.0%

Other non-owner occupied

    Loans (% of total)    <1%   <1%   <1%   <1%   1%   4%   6%
   NPA + 90+ ratio    35.9%   25.0%   26.4%   18.8%   9.6%   20.6%   20.5%
   YTD NCO ratio    9.3%   22.4%   12.6%   15.4%   13.0%   9.4%   11.2%

Owner occupied

    Loans (% of total)    10%   7%   11%   12%   28%   19%   87%
   NPA + 90+ ratio    11.2%   10.6%   7.8%   5.3%   2.8%   10.6%   7.1%
   YTD NCO ratio    4.8%   4.1%   2.9%   1.5%   1.7%   3.3%   2.7%

Total

    Loans (% of total)    11%   8%   12%   14%   31%   25%   100%
   NPA + 90+ ratio    12.4%   11.8%   9.1%   6.1%   3.3%   13.0%   8.4%
   YTD NCO ratio    5.2%   5.2%   4.5%   2.9%   2.5%   7.2%   4.5%

 

Total residential mortgage ($8.0 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%   7%
   NPA + 90+ ratio    20.2%   21.6%   13.2%   7.5%   10.5%   15.1%
   YTD NCO ratio    14.3%   23.3%   22.2%   43.0%   17.9%   20.8%

Residential construction

    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   <1%
   NPA + 90+ ratio    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%   0.0%

Other non-owner occupied

    Loans (% of total)    1%   3%   1%   <1%   <1%   6%
   NPA + 90+ ratio    15.0%   20.4%   29.0%   19.4%   13.7%   20.5%
   YTD NCO ratio    9.9%   11.4%   13.5%   14.0%   4.7%   11.2%

Owner occupied

    Loans (% of total)    23%   36%   8%   5%   14%   87%
   NPA + 90+ ratio    5.8%   6.7%   11.6%   11.4%   6.2%   7.1%
   YTD NCO ratio    1.8%   2.2%   5.6%   3.6%   3.6%   2.7%

Total

    Loans (% of total)    26%   41%   11%   6%   17%   100%
   NPA + 90+ ratio    6.7%   8.4%   13.6%   11.5%   6.9%   8.4%
   YTD NCO ratio    2.6%   3.8%   9.0%   5.7%   5.6%   4.5%

 

Total residential mortgage ($8.0 billion)
          Florida   Michigan   Other   Total

Lots

    Loans (% of total)    3%   1%   3%   7%
   NPA + 90+ ratio    24.0%   4.5%   7.9%   15.1%
   YTD NCO ratio    29.1%   5.9%   14.9%   20.8%

Residential

    Loans (% of total)    <1%   <1%   <1%   <1%
   NPA + 90+ ratio    0.0%   0.0%   0.0%   0.0%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.0%

Other non-owner occupied

    Loans (% of total)    4%   <1%   2%   6%
   NPA + 90+ ratio    25.9%   22.4%   11.4%   20.5%
   YTD NCO ratio    13.4%   27.5%   5.4%   11.2%

Owner occupied

    Loans (% of total)    21%   13%   53%   87%
   NPA + 90+ ratio    12.9%   6.0%   5.1%   7.1%
   YTD NCO ratio    4.5%   4.2%   1.6%   2.7%

Total

    Loans (% of total)    28%   14%   58%   100%
   NPA + 90+ ratio    15.8%   6.3%   5.4%   8.4%
   YTD NCO ratio    8.5%   4.7%   2.5%   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 ($10.0 billion)

FICO (origination)

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

Auto/Van

    Loans (% of total)    <1%   3%   8%   9%   20%   <1%   42%
   NPA + 90+ ratio    0.7%   0.8%   0.5%   0.3%   0.1%   0.8%   0.3%
   YTD NCO ratio    2.5%   2.8%   2.0%   1.5%   0.7%   2.0%   1.3%

Small/Med SUV and

    Loans (% of total)    <1%   2%   6%   6%   15%   <1%   29%

Compact Pickup

    NPA + 90+ ratio    0.5%   0.6%   0.4%   0.2%   0.1%   0.5%   0.2%
   YTD NCO ratio    3.6%   1.9%   1.3%   0.9%   0.4%   1.5%   0.8%

Large SUV/Full Size Pickup

    Loans (% of total)    <1%   2%   5%   5%   10%   1%   22%
   NPA + 90+ ratio    0.8%   0.8%   0.5%   0.4%   0.1%   0.5%   0.3%
   YTD NCO ratio    3.4%   2.6%   1.9%   1.2%   0.5%   1.2%   1.2%

Other

    Loans (% of total)    <1%   1%   1%   1%   3%   <1%   7%
   NPA + 90+ ratio    2.1%   1.9%   1.8%   0.7%   0.8%   2.7%   1.2%
   YTD NCO ratio    3.2%   6.3%   3.3%   4.7%   1.2%   5.4%   2.9%

Total

    Loans (% of total)    1%   8%   19%   22%   48%   2%   100%
   NPA + 90+ ratio    0.9%   0.8%   0.5%   0.3%   0.2%   1.1%   0.3%
   YTD NCO ratio    3.1%   2.7%   1.9%   1.4%   0.6%   2.4%   1.3%

New

    Loans (% of total)    <1%   3%   8%   10%   25%   1%   47%
   NPA + 90+ ratio    0.8%   0.8%   0.5%   0.3%   0.1%   0.5%   0.3%
   YTD NCO ratio    3.1%   2.5%   1.7%   1.4%   0.4%   0.9%   1.0%

Used

    Loans (% of total)    1%   5%   11%   12%   23%   1%   53%
   NPA + 90+ ratio    1.0%   0.8%   0.6%   0.3%   0.2%   1.9%   0.4%
   YTD NCO ratio    3.1%   2.9%   2.0%   1.5%   0.8%   4.4%   1.5%

Total

    Loans (% of total)    1%   8%   19%   22%   48%   2%   100%
   NPA + 90+ ratio    0.9%   0.8%   0.5%   0.3%   0.2%   1.1%   0.3%
   YTD NCO ratio    3.1%   2.7%   1.9%   1.4%   0.6%   2.4%   1.3%

<=100% advance rate

    Loans (% of total)    1%   5%   10%   11%   30%   1%   58%
   NPA + 90+ ratio    0.9%   0.7%   0.4%   0.2%   0.1%   1.1%   0.3%
   YTD NCO ratio    2.3%   1.9%   1.1%   0.8%   0.2%   2.0%   0.7%

>100% advance rate

    Loans (% of total)    <1%   3%   10%   11%   18%   <1%   42%
   NPA + 90+ ratio    1.0%   1.0%   0.7%   0.5%   0.3%   1.0%   0.5%
   YTD NCO ratio    4.6%   3.8%   2.7%   2.0%   1.2%   3.8%   2.0%

Total

    Loans (% of total)    1%   8%   19%   22%   48%   2%   100%
   NPA + 90+ ratio    0.9%   0.8%   0.5%   0.3%   0.2%   1.1%   0.3%
   YTD NCO ratio    3.1%   2.7%   1.9%   1.4%   0.6%   2.4%   1.3%

<=60 month term

    Loans (% of total)    <1%   2%   4%   5%   16%   1%   27%
   NPA + 90+ ratio    0.4%   0.6%   0.3%   0.2%   0.0%   0.5%   0.2%
   YTD NCO ratio    1.9%   1.4%   0.9%   0.7%   0.2%   0.5%   0.5%

>60 month term

    Loans (% of total)    1%   6%   16%   17%   32%   1%   73%
   NPA + 90+ ratio    1.2%   0.9%   0.6%   0.4%   0.2%   1.6%   0.4%
   YTD NCO ratio    3.6%   3.1%   2.1%   1.6%   0.7%   4.1%   1.5%

Total

    Loans (% of total)    1%   8%   19%   22%   48%   2%   100%
   NPA + 90+ ratio    0.9%   0.8%   0.5%   0.3%   0.2%   1.1%   0.3%
   YTD NCO ratio    3.1%   2.7%   1.9%   1.4%   0.6%   2.4%   1.3%

 

^ 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

2010

    Loans (% of total, by loan type)    <1%   1%   <1%   2%   0%   1%   <1%   1%   2%   4%
   NPA + 90+ ratio    0.0%   0.0%   0.0%   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%   0.0%   0.0%   0.0%   0.0%   0.0%

2009

    Loans (% of total, by loan type)    <1%   38%   1%   7%   0%   5%   32%   17%   8%   14%
   NPA + 90+ ratio    0.0%   0.0%   0.0%   0.1%   0.0%   0.0%   0.2%   2.2%   0.1%   0.3%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.1%   0.0%   0.0%   0.6%   4.0%   4.0%   0.7%

2008

    Loans (% of total, by loan type)    2%   32%   3%   15%   1%   13%   22%   15%   40%   16%
   NPA + 90+ ratio    5.6%   0.0%   11.8%   4.7%   0.1%   0.4%   0.4%   9.1%   0.1%   1.8%
   YTD NCO ratio    12.2%   0.0%   8.1%   2.1%   0.0%   0.7%   1.8%   11.1%   1.0%   2.1%

2007

    Loans (% of total, by loan type)    14%   19%   9%   17%   14%   11%   19%   27%   25%   16%
   NPA + 90+ ratio    10.6%   0.0%   20.9%   7.8%   2.0%   0.9%   0.5%   10.3%   0.3%   3.5%
   YTD NCO ratio    11.8%   0.0%   15.1%   2.9%   6.1%   2.1%   1.7%   11.5%   1.8%   3.5%

2006

    Loans (% of total, by loan type)    35%   5%   18%   13%   32%   13%   9%   10%   10%   13%
   NPA + 90+ ratio    13.6%   0.0%   27.3%   12.9%   3.0%   1.6%   0.5%   11.5%   0.2%   5.5%
   YTD NCO ratio    25.5%   0.0%   20.0%   4.7%   9.9%   2.9%   2.0%   10.9%   1.5%   5.7%

2005

    Loans (% of total, by loan type)    38%   3%   36%   22%   26%   13%   5%   8%   8%   13%
   NPA + 90+ ratio    17.3%   0.0%   24.8%   8.9%   2.5%   1.5%   0.5%   10.1%   0.3%   6.1%
   YTD NCO ratio    22.1%   0.0%   11.2%   3.5%   5.2%   2.9%   1.8%   9.4%   2.3%   4.7%

2004 & prior

    Loans (% of total, by loan type)    11%   2%   33%   24%   27%   44%   3%   21%   6%   23%
   NPA + 90+ ratio    20.2%   0.0%   13.5%   5.7%   2.0%   1.2%   1.7%   9.4%   0.2%   3.1%
   YTD NCO ratio    15.6%   0.0%   6.1%   2.1%   3.3%   1.3%   2.7%   9.0%   8.8%   2.3%

Total

    Loans (% of total, by loan type)    100%   100%   100%   100%   100%   100%   100%   100%   100%   100%
   NPA + 90+ ratio    15.1%   0.0%   20.5%   7.1%   2.4%   1.1%   0.3%   8.5%   0.2%   3.2%
   YTD NCO ratio    20.8%   0.0%   11.2%   2.7%   6.2%   1.6%   1.2%   9.2%   2.1%   2.9%

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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First Quarter 2010 Portfolio Loan and Lease Stratifications

Commercial

 

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Total commercial loans ($44.5 billion)
     Florida   Michigan   Other   Total
Other non-owner occupied    Loans (% of total)    3%   5%   13%   21%
RE    NPA ratio    28.2%   8.8%   11.6%   13.6%
   YTD NCO ratio    9.1%   8.2%   4.8%   6.2%
Owner-occupied RE    Loans (% of total)    2%   3%   8%   13%
   NPA ratio    8.7%   6.0%   4.6%   5.4%
   YTD NCO ratio    4.9%   3.8%   1.2%   2.3%
C&I    Loans (% of total)    4%   9%   46%   59%
   NPA ratio    7.4%   3.6%   2.5%   3.0%
   YTD NCO ratio    5.0%   3.6%   2.1%   2.5%
Commercial lease    Loans (% of total)    <1%   <1%   7%   8%
   NPA ratio    9.9%   4.0%   1.4%   1.6%
   YTD NCO ratio    0.0%   5.8%   0.1%   0.4%
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%   17%   74%   100%
   NPA ratio    15.4%   5.5%   4.2%   5.4%
   YTD NCO ratio    6.5%   4.9%   2.3%   3.1%
C&I    Loans (% of total)    4%   9%   46%   59%
   NPA ratio    7.4%   3.6%   2.5%   3.0%
   YTD NCO ratio    6.2%   4.4%   1.8%   2.5%
Commercial mortgage    Loans (% of total)    3%   7%   16%   26%
   NPA ratio    19.4%   6.9%   6.9%   8.5%
   YTD NCO ratio    5.3%   4.4%   2.6%   3.4%
Commercial construction    Loans (% of total)    1%   1%   5%   7%
   NPA ratio    28.8%   14.2%   14.9%   17.4%
   YTD NCO ratio    10.4%   12.4%   7.8%   8.6%
Commercial lease    Loans (% of total)    <1%   <1%   7%   8%
   NPA ratio    9.9%   4.0%   1.4%   1.6%
   YTD NCO ratio    0.0%   4.0%   0.2%   0.4%
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%   17%   74%   100%
   NPA ratio    15.4%   5.5%   4.2%   5.4%
   YTD NCO ratio    6.5%   4.9%   2.3%   3.1%
Homebuilders / developers    Loans (% of total)    1%   1%   2%   3%
(included in #’s above)    NPA ratio    57.4%   32.1%   34.9%   39.3%
   YTD NCO ratio    19.7%   46.2%   17.4%   22.9%

NPAs exclude loans held-for-sale

NPA ratio calculated as nonperforming assets/end-of-period loans

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($44.5 billion)
     C&I   Commercial
mortgage		   Commercial
construction		   Other   Total
Other non-owner occupied    Loans (% of total)    <1%   15%   6%   <1%   21%
RE    NPA ratio    0.0%   11.1%   19.5%   0.0%   13.6%
   YTD NCO ratio    0.0%   4.5%   9.7%   0.0%   6.2%
Owner-occupied RE    Loans (% of total)    <1%   12%   1%   <1%   13%
   NPA ratio    0.0%   5.3%   6.3%   0.0%   5.4%
   YTD NCO ratio    0.0%   2.1%   4.6%   0.0%   2.3%
C&I    Loans (% of total)    59%   <1%   <1%   <1%   59%
   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%   1.6%   1.6%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.4%   0.4%
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)    59%   26%   7%   8%   100%
   NPA ratio    3.0%   8.5%   17.4%   1.6%   5.4%
   YTD NCO ratio    2.5%   3.4%   8.6%   0.4%   3.1%
Homebuilders / developers    Loans (% of total)    <1%   1%   1%   <1%   3%
(included in #’s above)    NPA ratio    12.7%   42.3%   45.1%   0.0%   39.3%
   YTD NCO ratio    9.8%   23.0%   26.9%   0.0%   22.9%

NPAs exclude loans held-for-sale

NPA ratio calculated as nonperforming assets/end-of-period loans

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($44.5 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)    1%   1%   2%   1%   1%   16%   21%
   NPA ratio    40.4%   41.2%   30.5%   27.6%   25.9%   7.1%   13.6%
   YTD NCO ratio    32.5%   23.1%   12.4%   12.4%   6.2%   2.3%   6.2%
Owner-occupied RE    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   12%   13%
   NPA ratio    0.0%   57.1%   7.8%   0.0%   0.7%   5.3%   5.4%
   YTD NCO ratio    0.0%   26.9%   6.3%   0.0%   2.8%   2.2%   2.3%
C&I    Loans (% of total)    <1%   <1%   1%   <1%   <1%   57%   59%
   NPA ratio    30.1%   7.4%   15.8%   2.9%   7.9%   2.8%   3.0%
   YTD NCO ratio    9.6%   1.7%   9.7%   1.5%   4.3%   2.4%   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%   1.6%   1.6%
   YTD NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%   0.5%   0.4%
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%   0.0%   0.0%
Total    Loans (% of total)    1%   1%   3%   1%   1%   93%   100%
   NPA ratio    39.8%   39.7%   23.8%   18.9%   22.7%   3.7%   5.4%
   YTD NCO ratio    31.3%   22.0%   11.0%   9.0%   5.8%   2.2%   3.1%
Florida    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   7%   9%
   NPA ratio    83.2%   42.2%   43.3%   8.8%   43.6%   10.1%   15.4%
   YTD NCO ratio    51.1%   4.2%   10.7%   7.9%   10.9%   4.9%   6.5%
Michigan    Loans (% of total)    <1%   <1%   1%   <1%   <1%   16%   17%
   NPA ratio    41.0%   22.0%   20.8%   34.7%   2.6%   4.1%   5.5%
   YTD NCO ratio    77.1%   39.0%   8.8%   12.6%   0.5%   3.2%   4.9%
Other    Loans (% of total)    1%   1%   2%   1%   1%   70%   73%
   NPA ratio    26.6%   41.9%   21.0%   18.7%   16.5%   3.0%   4.2%
   YTD NCO ratio    6.2%   27.7%   11.7%   8.4%   4.2%   1.6%   2.3%
Total    Loans (% of total)    1%   1%   3%   1%   1%   93%   100%
   NPA ratio    39.8%   39.7%   23.8%   18.9%   22.7%   3.7%   5.4%
   YTD NCO ratio    31.3%   22.0%   11.0%   9.0%   5.8%   2.2%   3.1%
Homebuilders / developers (included in #’s above)    Loans (% of total)    1%   1%   1%   <1%   <1%   <1%   3%
   NPA ratio    39.8%   39.7%   49.5%   0.0%   0.0%   4.2%   39.3%
   YTD NCO ratio    29.9%   20.8%   21.0%   0.0%   0.0%   6.2%   22.9%

NPAs exclude loans held-for-sale

NPA ratio calculated as nonperforming assets/end-of-period loans

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($44.5 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total
Accommodation    Loans (% of total)    1%   1%   <1%   <1%   2%
   NPA ratio    3.7%   9.4%   29.6%   0.0%   6.6%
   YTD NCO ratio    1.2%   2.1%   0.0%   0.0%   1.5%
Auto manufacturing    Loans (% of total)    1%   <1%   <1%   <1%   1%
   NPA ratio    3.4%   0.7%   0.0%   0.0%   3.0%
   YTD NCO ratio    0.6%   0.0%   0.0%   0.0%   0.5%
Construction    Loans (% of total)    3%   2%   2%   <1%   8%
   NPA ratio    8.1%   24.7%   29.0%   0.4%   19.6%
   YTD NCO ratio    8.8%   10.8%   15.7%   0.0%   11.4%
Finance & insurance    Loans (% of total)    9%   <1%   <1%   <1%   10%
   NPA ratio    2.2%   4.7%   0.0%   3.7%   2.2%
   YTD NCO ratio    1.7%   4.2%   0.0%   0.0%   1.7%
Manufacturing    Loans (% of total)    12%   1%   <1%   1%   14%
   NPA ratio    3.0%   4.6%   0.0%   1.3%   3.0%
   YTD NCO ratio    0.9%   NM   0.0%   0.8%   0.8%
Real estate    Loans (% of total)    4%   13%   4%   <1%   22%
   NPA ratio    4.7%   8.9%   14.6%   0.9%   8.9%
   YTD NCO ratio    5.0%   4.1%   9.7%   0.0%   5.2%
Retail trade    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    2.5%   6.0%   6.9%   0.0%   3.6%
   YTD NCO ratio    1.7%   6.6%   0.9%   0.4%   3.1%
Auto retailers    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    2.1%   9.3%   7.9%   0.0%   4.0%
   YTD NCO ratio    1.4%   0.9%   0.0%   0.0%   1.3%
Wholesale trade    Loans (% of total)    5%   1%   <1%   <1%   5%
   NPA ratio    1.9%   2.4%   3.8%   0.4%   1.9%
   YTD NCO ratio    1.3%   0.1%   0.9%   0.0%   1.1%
Other    Loans (% of total)    21%   6%   1%   5%   33%
   NPA ratio    2.6%   2.7%   3.7%   1.9%   2.5%
   YTD NCO ratio    2.9%   NM   NM   0.5%   1.6%
Total    Loans (% of total)    59%   26%   7%   8%   100%
   NPA ratio    3.0%   8.5%   17.4%   1.6%   5.4%
   YTD NCO ratio    2.5%   3.4%   8.6%   0.4%   3.1%

NPAs exclude loans held-for-sale

NPA ratio calculated as nonperforming assets/end-of-period loans

Note: Percentages may not sum due to rounding

 

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Total commercial loans ($44.5 billion)
          Florida   Michigan   Other   Total
Accommodation    Loans (% of total)    <1%   <1%   1%   2%
   NPA ratio    16.9%   5.9%   3.8%   6.6%
   YTD NCO ratio    3.4%   2.7%   0.6%   1.5%
Auto manufacturing    Loans (% of total)    <1%   <1%   <1%   1%
   NPA ratio    0.0%   5.5%   0.3%   3.0%
   YTD NCO ratio    0.0%   0.1%   1.0%   0.5%
Construction    Loans (% of total)    1%   1%   6%   8%
   NPA ratio    38.1%   13.3%   17.7%   19.6%
   YTD NCO ratio    26.7%   9.3%   9.3%   11.4%
Finance & insurance    Loans (% of total)    <1%   1%   8%   10%
   NPA ratio    1.8%   2.2%   2.2%   2.2%
   YTD NCO ratio    2.9%   2.8%   1.4%   1.7%
Manufacturing    Loans (% of total)    <1%   2%   12%   14%
   NPA ratio    9.5%   3.3%   2.7%   3.0%
   YTD NCO ratio    3.6%   2.5%   0.4%   0.8%
Real estate    Loans (% of total)    3%   6%   13%   22%
   NPA ratio    26.2%   7.6%   5.7%   8.9%
   YTD NCO ratio    7.3%   8.1%   3.5%   5.2%
Retail trade    Loans (% of total)    <1%   1%   2%   3%
   NPA ratio    6.5%   6.9%   2.0%   3.6%
   YTD NCO ratio    0.5%   8.2%   1.8%   3.1%
Auto retailers    Loans (% of total)    <1%   <1%   2%   3%
   NPA ratio    7.6%   2.3%   4.0%   4.0%
   YTD NCO ratio    3.4%   0.2%   1.2%   1.3%
Wholesale trade    Loans (% of total)    <1%   1%   4%   5%
   NPA ratio    0.4%   2.0%   2.1%   1.9%
   YTD NCO ratio    2.9%   2.0%   0.8%   1.1%
Other    Loans (% of total)    3%   4%   26%   33%
   NPA ratio    3.0%   3.4%   2.3%   2.5%
   YTD NCO ratio    1.1%   2.3%   1.6%   1.6%
Total    Loans (% of total)    9%   17%   74%   100%
   NPA ratio    15.4%   5.5%   4.2%   5.4%
   YTD NCO ratio    6.5%   4.9%   2.3%   3.1%

NPAs exclude loans held-for-sale

NPA ratio calculated as nonperforming assets/end-of-period loans

Note: Percentages may not sum due to rounding

 

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Cautionary Statement

This report contains 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. 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) difficulties in separating Fifth Third Processing Solutions from Fifth Third; (21) 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;(22) ability to secure confidential information through the use of computer systems and telecommunications networks; and (23) 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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