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

Exhibit 99.4

LOGO

Second Quarter 2010 Portfolio Loan and Lease Stratifications

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

LOGO

Second Quarter 2010 Portfolio Loan and Lease Stratifications

Consumer

 

2

LOGO

Brokered home equity ($1.8 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

    2.6%   9.3%   7.9%   7.5%   5.6%   6.5%
  

NCO ratio

    18.3%   54.9%   8.3%   3.7%   20.8%   24.4%

Michigan

   

Loans (% of total)

    2%   3%   5%   4%   7%   21%
  

NPA + 90+ ratio

    1.7%   2.4%   2.9%   3.4%   2.7%   2.8%
  

NCO ratio

    1.5%   3.8%   5.5%   4.5%   8.8%   5.7%

Other

   

Loans (% of total)

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

NPA + 90+ ratio

    1.9%   2.9%   1.9%   2.0%   2.6%   2.3%
  

NCO ratio

    1.6%   2.4%   5.3%   6.4%   4.5%   4.4%

Total

   

Loans (% of total)

    10%   13%   22%   14%   41%   100%
  

NPA + 90+ ratio

    1.9%   3.2%   2.3%   2.4%   2.7%   2.5%
  

NCO ratio

    2.5%   5.4%   5.4%   5.9%   5.6%   5.3%

1sts

   

Loans (% of total)

    5%   4%   3%   1%   4%   16%
  

NPA + 90+ ratio

    2.2%   3.8%   3.8%   3.9%   3.7%   3.3%
  

NCO ratio

    0.8%   1.3%   2.1%   0.0%   1.9%   1.4%

2nds

   

Loans (% of total)

    5%   9%   19%   14%   37%   84%
  

NPA + 90+ ratio

    1.6%   2.9%   2.1%   2.4%   2.6%   2.4%
  

NCO ratio

    4.0%   7.2%   5.9%   6.1%   5.9%   6.0%

Total

   

Loans (% of total)

    10%   13%   22%   14%   41%   100%
  

NPA + 90+ ratio

    1.9%   3.2%   2.3%   2.4%   2.7%   2.5%
  

NCO ratio

    2.5%   5.4%   5.4%   5.9%   5.6%   5.3%

HE loans

   

Loans (% of total)

    1%   3%   5%   3%   12%   24%
  

NPA + 90+ ratio

    2.3%   4.6%   2.9%   2.8%   2.7%   2.9%
  

NCO ratio

    1.3%   2.3%   7.8%   8.1%   4.5%   5.1%

HELOCs

   

Loans (% of total)

    9%   10%   18%   11%   29%   76%
  

NPA + 90+ ratio

    1.8%   2.8%   2.2%   2.3%   2.6%   2.4%
  

NCO ratio

    2.6%   6.2%   4.8%   5.3%   6.1%   5.3%

Total

   

Loans (% of total)

    10%   13%   22%   14%   41%   100%
  

NPA + 90+ ratio

    1.9%   3.2%   2.3%   2.4%   2.7%   2.5%
  

NCO ratio

    2.5%   5.4%   5.4%   5.9%   5.6%   5.3%

< 660#

  

Loans (% of total)

    1%   1%   1%   1%   1%   4%
  

NPA + 90+ ratio

    4.7%   12.6%   3.3%   4.6%   2.7%   4.6%
  

NCO ratio

    0.6%   3.2%   18.8%   11.0%   5.6%   9.1%

660-689

   

Loans (% of total)

    1%   1%   3%   2%   5%   12%
  

NPA + 90+ ratio

    2.8%   7.2%   3.5%   3.9%   3.7%   3.9%
  

NCO ratio

    0.4%   16.1%   12.0%   9.5%   6.0%   8.5%

690-719

   

Loans (% of total)

    1%   2%   4%   3%   10%   21%
  

NPA + 90+ ratio

    3.1%   2.6%   3.5%   3.2%   3.3%   3.2%
  

NCO ratio

    7.1%   1.3%   6.2%   6.0%   6.7%   5.9%

720-749

   

Loans (% of total)

    2%   3%   5%   4%   11%   23%
  

NPA + 90+ ratio

    2.2%   3.1%   2.6%   2.1%   2.4%   2.4%
  

NCO ratio

    3.9%   4.0%   3.1%   4.0%   6.3%   4.9%

750+

   

Loans (% of total)

    5%   6%   9%   5%   13%   39%
  

NPA + 90+ ratio

    1.0%   1.9%   1.2%   1.5%   1.9%   1.6%
  

NCO ratio

    1.4%   5.9%   2.7%   5.1%   4.0%   3.8%

Other^

  

Loans (% of total)

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

NPA + 90+ ratio

    3.8%   0.0%   0.0%   0.0%   0.0%   2.6%
  

NCO ratio

    0.6%   0.0%   0.0%   0.0%   -0.7%   0.3%

Total

   

Loans (% of total)

    10%   13%   22%   14%   41%   100%
  

NPA + 90+ ratio

    1.9%   3.2%   2.3%   2.4%   2.7%   2.5%
  

NCO ratio

    2.5%   5.4%   5.4%   5.9%   5.6%   5.3%

 

#

Includes relationship based and private lending

** Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio.
^

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: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

3

LOGO

Retail direct home equity ($9.9 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%   9%
  

NPA + 90+ ratio

    1.4%   1.9%   4.8%   10.7%   7.5%   2.3%
  

NCO ratio

    1.3%   3.2%   4.5%   5.5%   6.5%   2.3%

Michigan

   

Loans (% of total)

    9%   5%   4%   1%   2%   21%
  

NPA + 90+ ratio

    0.7%   0.8%   1.7%   1.4%   1.5%   1.0%
  

NCO ratio

    0.8%   1.4%   3.2%   5.0%   5.5%   2.1%

Other

   

Loans (% of total)

    29%   16%   13%   4%   7%   70%
  

NPA + 90+ ratio

    0.7%   0.9%   1.0%   1.1%   1.0%   0.9%
  

NCO ratio

    0.8%   0.7%   1.3%   2.2%   2.5%   1.1%

Total

   

Loans (% of total)

    43%   23%   17%   6%   10%   100%
  

NPA + 90+ ratio

    0.8%   1.0%   1.3%   1.6%   1.3%   1.0%
  

NCO ratio

    0.9%   1.0%   1.9%   3.0%   3.2%   1.4%

1sts

   

Loans (% of total)

    20%   8%   3%   1%   1%   32%
  

NPA + 90+ ratio

    0.5%   1.0%   1.5%   4.4%   1.4%   0.8%
  

NCO ratio

    0.3%   0.5%   0.7%   1.6%   2.4%   0.5%

2nds

   

Loans (% of total)

    24%   15%   14%   6%   9%   68%
  

NPA + 90+ ratio

    1.1%   1.0%   1.3%   1.3%   1.3%   1.2%
  

NCO ratio

    1.4%   1.3%   2.1%   3.2%   3.3%   1.9%

Total

   

Loans (% of total)

    43%   23%   17%   6%   10%   100%
  

NPA + 90+ ratio

    0.8%   1.0%   1.3%   1.6%   1.3%   1.0%
  

NCO ratio

    0.9%   1.0%   1.9%   3.0%   3.2%   1.4%

HE loans

   

Loans (% of total)

    4%   2%   2%   1%   2%   11%
  

NPA + 90+ ratio

    1.9%   1.3%   2.0%   2.0%   1.4%   1.7%
  

NCO ratio

    0.2%   1.1%   1.9%   3.1%   4.5%   1.7%

HELOCs

   

Loans (% of total)

    40%   21%   15%   5%   8%   89%
  

NPA + 90+ ratio

    0.7%   0.9%   1.2%   1.5%   1.3%   1.0%
  

NCO ratio

    0.9%   1.0%   1.9%   3.0%   2.9%   1.4%

Total

   

Loans (% of total)

    43%   23%   17%   6%   10%   100%
  

NPA + 90+ ratio

    0.8%   1.0%   1.3%   1.6%   1.3%   1.0%
  

NCO ratio

    0.9%   1.0%   1.9%   3.0%   3.2%   1.4%

< 660#

  

Loans (% of total)

    1%   1%   1%   <1%   1%   3%
  

NPA + 90+ ratio

    2.5%   3.1%   3.5%   3.0%   3.1%   3.0%
  

NCO ratio

    4.5%   3.7%   3.9%   6.2%   4.9%   4.4%

660-689

   

Loans (% of total)

    2%   2%   1%   1%   1%   7%
  

NPA + 90+ ratio

    1.0%   2.4%   2.4%   3.3%   1.7%   2.0%
  

NCO ratio

    2.5%   2.9%   5.6%   8.9%   5.1%   4.3%

690-719

   

Loans (% of total)

    3%   3%   2%   1%   2%   11%
  

NPA + 90+ ratio

    1.0%   2.7%   1.8%   2.0%   1.5%   1.7%
  

NCO ratio

    0.6%   1.1%   2.8%   6.1%   3.4%   2.1%

720-749

   

Loans (% of total)

    5%   4%   3%   1%   2%   16%
  

NPA + 90+ ratio

    0.9%   1.0%   1.9%   1.3%   1.2%   1.2%
  

NCO ratio

    0.6%   1.7%   2.2%   1.4%   3.6%   1.7%

750+

   

Loans (% of total)

    20%   14%   9%   3%   4%   51%
  

NPA + 90+ ratio

    0.3%   0.4%   0.6%   1.2%   1.0%   0.5%
  

NCO ratio

    0.4%   0.5%   0.8%   1.2%   2.3%   0.7%

Other^

  

Loans (% of total)

    12%   <1%   <1%   <1%   <1%   12%
  

NPA + 90+ ratio

    1.4%   0.0%   0.2%   0.1%   0.0%   1.4%
  

NCO ratio

    1.2%   0.7%   0.7%   0.0%   0.0%   1.2%

Total

   

Loans (% of total)

    43%   23%   17%   6%   10%   100%
  

NPA + 90+ ratio

    0.8%   1.0%   1.3%   1.6%   1.3%   1.0%
  

NCO ratio

    0.9%   1.0%   1.9%   3.0%   3.2%   1.4%

 

# Includes relationship based and private lending
** Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio.
^ 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: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

4

LOGO

Total home equity ($11.7 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%   2.3%   5.1%   10.3%   6.8%   2.6%
  

NCO ratio

    1.6%   6.2%   4.8%   5.2%   11.2%   3.5%

Michigan

   

Loans (% of total)

    8%   5%   4%   2%   3%   21%
  

NPA + 90+ ratio

    0.8%   0.9%   2.0%   2.0%   2.0%   1.3%
  

NCO ratio

    0.9%   1.6%   3.7%   4.8%   6.8%   2.7%

Other

   

Loans (% of total)

    26%   15%   13%   5%   11%   71%
  

NPA + 90+ ratio

    0.8%   1.1%   1.1%   1.4%   1.7%   1.1%
  

NCO ratio

    0.8%   0.8%   2.0%   3.5%   3.4%   1.7%

Total

   

Loans (% of total)

    38%   22%   18%   7%   15%   100%
  

NPA + 90+ ratio

    0.8%   1.2%   1.5%   1.8%   1.9%   1.3%
  

NCO ratio

    0.9%   1.4%   2.5%   3.9%   4.3%   2.0%

1sts

   

Loans (% of total)

    17%   7%   3%   1%   1%   29%
  

NPA + 90+ ratio

    0.5%   1.2%   1.8%   4.3%   2.4%   1.0%
  

NCO ratio

    0.3%   0.6%   0.9%   1.4%   2.2%   0.5%

2nds

   

Loans (% of total)

    21%   14%   15%   7%   13%   71%
  

NPA + 90+ ratio

    1.1%   1.2%   1.5%   1.6%   1.9%   1.4%
  

NCO ratio

    1.5%   1.8%   2.9%   4.1%   4.4%   2.7%

Total

   

Loans (% of total)

    38%   22%   18%   7%   15%   100%
  

NPA + 90+ ratio

    0.8%   1.2%   1.5%   1.8%   1.9%   1.3%
  

NCO ratio

    0.9%   1.4%   2.5%   3.9%   4.3%   2.0%

HE loans

   

Loans (% of total)

    4%   2%   2%   1%   3%   13%
  

NPA + 90+ ratio

    2.0%   1.9%   2.3%   2.2%   2.1%   2.1%
  

NCO ratio

    0.3%   1.3%   3.7%   4.8%   4.5%   2.7%

HELOCs

   

Loans (% of total)

    35%   19%   16%   6%   11%   87%
  

NPA + 90+ ratio

    0.7%   1.1%   1.4%   1.8%   1.9%   1.1%
  

NCO ratio

    1.0%   1.4%   2.4%   3.6%   4.2%   1.9%

Total

   

Loans (% of total)

    38%   22%   18%   7%   15%   100%
  

NPA + 90+ ratio

    0.8%   1.2%   1.5%   1.8%   1.9%   1.3%
  

NCO ratio

    0.9%   1.4%   2.5%   3.9%   4.3%   2.0%

< 660#

  

Loans (% of total)

    1%   1%   1%   <1%   1%   4%
  

NPA + 90+ ratio

    2.6%   4.1%   3.5%   3.5%   2.9%   3.3%
  

NCO ratio

    4.2%   3.6%   7.2%   7.8%   5.1%   5.2%

660-689

   

Loans (% of total)

    2%   2%   2%   1%   2%   7%
  

NPA + 90+ ratio

    1.2%   2.9%   2.7%   3.5%   2.6%   2.4%
  

NCO ratio

    2.4%   4.3%   7.3%   9.2%   5.5%   5.3%

690-719

   

Loans (% of total)

    3%   3%   3%   1%   3%   13%
  

NPA + 90+ ratio

    1.2%   2.7%   2.2%   2.4%   2.4%   2.1%
  

NCO ratio

    1.1%   1.1%   3.6%   6.1%   5.0%   3.1%

720-749

   

Loans (% of total)

    4%   4%   4%   2%   3%   17%
  

NPA + 90+ ratio

    0.9%   1.2%   2.1%   1.5%   1.8%   1.5%
  

NCO ratio

    0.8%   1.9%   2.4%   2.2%   4.9%   2.4%

750+

   

Loans (% of total)

    18%   13%   9%   3%   5%   49%
  

NPA + 90+ ratio

    0.3%   0.5%   0.7%   1.3%   1.4%   0.6%
  

NCO ratio

    0.4%   0.9%   1.1%   2.2%   2.9%   1.1%

Other^

  

Loans (% of total)

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

NPA + 90+ ratio

    1.5%   0.0%   0.2%   0.1%   0.0%   1.4%
  

NCO ratio

    1.2%   0.6%   0.7%   0.0%   -0.2%   1.2%

Total

   

Loans (% of total)

    38%   22%   18%   7%   15%   100%
  

NPA + 90+ ratio

    0.8%   1.2%   1.5%   1.8%   1.9%   1.3%
  

NCO ratio

    0.9%   1.4%   2.5%   3.9%   4.3%   2.0%

 

# Includes relationship based and private lending
** Contains some loans (primarily acquired) where LTV was not recorded. The NCO ratio of these loans is materially lower than the total portfolio.
^ 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: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

5

LOGO

Total residential mortgage ($7.8 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

    28.2%   20.7%   13.9%   9.1%   6.8%   17.4%   13.3%
  

NCO ratio

    38.9%   20.1%   23.0%   14.8%   9.8%   27.8%   20.0%

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%
  

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

    28.3%   24.6%   18.6%   18.4%   9.3%   19.7%   18.9%
  

NCO ratio

    17.5%   7.2%   19.5%   13.4%   3.4%   13.8%   12.7%

Owner occupied

   

Loans (% of total)

    10%   7%   11%   13%   28%   19%   87%
  

NPA + 90+ ratio

    10.4%   10.7%   9.9%   5.4%   2.9%   10.9%   7.3%
  

NCO ratio

    3.7%   3.6%   3.1%   2.0%   1.2%   3.6%   2.5%

Total

   

Loans (% of total)

    11%   8%   12%   14%   31%   24%   100%
  

NPA + 90+ ratio

    11.3%   11.7%   10.4%   6.0%   3.3%   12.8%   8.4%
  

NCO ratio

    5.0%   4.6%   4.9%   3.1%   1.8%   7.3%   4.3%

Total residential mortgage ($7.8 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

    16.3%   18.6%   12.7%   6.2%   9.5%   13.3%
  

NCO ratio

    20.9%   27.2%   20.5%   9.3%   15.1%   20.0%

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%
  

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

    15.1%   18.6%   25.3%   17.2%   16.3%   18.9%
  

NCO ratio

    5.1%   14.1%   19.5%   10.3%   6.9%   12.7%

Owner occupied

   

Loans (% of total)

    23%   36%   8%   5%   15%   87%
  

NPA + 90+ ratio

    6.3%   7.2%   11.8%   10.7%   5.7%   7.3%
  

NCO ratio

    1.1%   2.7%   3.8%   3.1%   3.4%   2.5%

Total

   

Loans (% of total)

    26%   41%   11%   6%   17%   100%
  

NPA + 90+ ratio

    7.0%   8.5%   13.2%   10.7%   6.4%   8.4%
  

NCO ratio

    1.9%   4.6%   7.9%   3.6%   5.0%   4.3%

Total residential mortgage ($7.8 billion)

 

          Florida   Michigan   Other   Total

Lots

   

Loans (% of total)

    3%   1%   3%   7%
  

NPA + 90+ ratio

    21.9%   4.2%   6.6%   13.3%
  

NCO ratio

    33.0%   5.8%   9.9%   20.0%

Residential

   

Loans (% of total)

    <1%   <1%   <1%   <1%
  

NPA + 90+ ratio

    0.0%   0.0%   0.0%   0.0%
  

NCO ratio

    0.0%   0.0%   0.0%   0.0%

Other non-owner occupied

   

Loans (% of total)

    3%   <1%   2%   6%
  

NPA + 90+ ratio

    24.4%   19.4%   10.4%   18.9%
  

NCO ratio

    17.5%   18.3%   4.6%   12.7%

Owner occupied

   

Loans (% of total)

    21%   13%   53%   87%
  

NPA + 90+ ratio

    13.8%   5.8%   5.2%   7.3%
  

NCO ratio

    5.2%   2.8%   1.4%   2.5%

Total

   

Loans (% of total)

    27%   14%   59%   100%
  

NPA + 90+ ratio

    16.0%   5.9%   5.5%   8.4%
  

NCO ratio

    9.7%   3.2%   2.0%   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 end of period loan balances

Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

6

LOGO

 

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%    21%    <1%    41%
   NPA + 90+ ratio    0.8%    0.6%    0.4%    0.2%    0.1%    0.6%    0.2%
   NCO ratio    0.7%    2.1%    1.3%    0.8%    0.3%    2.1%    0.8%
Small/Med SUV and    Loans (% of total)    <1%    2%    5%    7%    15%    <1%    30%
Compact Pickup    NPA + 90+ ratio    0.8%    0.6%    0.4%    0.3%    0.1%    0.3%    0.2%
   NCO ratio    -0.1%    1.1%    1.0%    0.5%    0.3%    0.2%    0.5%
Large SUV/Full Size Pickup    Loans (% of total)    <1%    2%    4%    5%    10%    1%    22%
   NPA + 90+ ratio    0.4%    0.8%    0.5%    0.3%    0.1%    0.4%    0.3%
   NCO ratio    -0.6%    1.4%    0.9%    0.9%    0.3%    0.5%    0.6%
Other    Loans (% of total)    <1%    <1%    1%    1%    3%    <1%    6%
   NPA + 90+ ratio    1.0%    1.3%    0.7%    0.6%    0.5%    2.0%    0.7%
   NCO ratio    7.1%    5.3%    3.9%    0.7%    1.7%    1.5%    2.3%
Total    Loans (% of total)    1%    7%    19%    22%    50%    2%    100%
   NPA + 90+ ratio    0.8%    0.7%    0.4%    0.3%    0.1%    0.8%    0.3%
   NCO ratio    1.5%    1.9%    1.3%    0.7%    0.4%    1.0%    0.8%
New    Loans (% of total)    <1%    3%    8%    10%    26%    1%    48%
   NPA + 90+ ratio    0.6%    0.7%    0.4%    0.3%    0.1%    0.3%    0.2%
   NCO ratio    0.8%    1.9%    1.3%    0.6%    0.3%    0.9%    0.7%
Used    Loans (% of total)    1%    4%    11%    12%    24%    1%    52%
   NPA + 90+ ratio    0.9%    0.7%    0.5%    0.3%    0.2%    1.4%    0.3%
   NCO ratio    1.9%    1.8%    1.2%    0.9%    0.4%    1.2%    0.8%
Total    Loans (% of total)    1%    7%    19%    22%    50%    2%    100%
   NPA + 90+ ratio    0.8%    0.7%    0.4%    0.3%    0.1%    0.8%    0.3%
   NCO ratio    1.5%    1.9%    1.3%    0.7%    0.4%    1.0%    0.8%
<=100% advance rate    Loans (% of total)    1%    4%    10%    11%    32%    1%    59%
   NPA + 90+ ratio    0.7%    0.5%    0.3%    0.2%    0.1%    0.7%    0.2%
   NCO ratio    1.0%    1.4%    0.6%    0.2%    0.2%    1.0%    0.4%
>100% advance rate    Loans (% of total)    <1%    3%    9%    11%    18%    <1%    41%
   NPA + 90+ ratio    0.8%    1.0%    0.6%    0.4%    0.2%    1.1%    0.4%
   NCO ratio    2.5%    2.5%    1.9%    1.3%    0.8%    0.9%    1.3%
Total    Loans (% of total)    1%    7%    19%    22%    50%    2%    100%
   NPA + 90+ ratio    0.8%    0.7%    0.4%    0.3%    0.1%    0.8%    0.3%
   NCO ratio    1.5%    1.9%    1.3%    0.7%    0.4%    1.0%    0.8%
<=60 month term    Loans (% of total)    <1%    1%    4%    5%    17%    1%    28%
   NPA + 90+ ratio    0.6%    0.5%    0.2%    0.1%    0.0%    0.4%    0.1%
   NCO ratio    -0.3%    1.1%    0.7%    0.5%    0.1%    0.2%    0.3%
>60 month term    Loans (% of total)    1%    6%    15%    17%    32%    1%    72%
   NPA + 90+ ratio    0.8%    0.8%    0.5%    0.3%    0.2%    1.1%    0.3%
   NCO ratio    2.3%    2.1%    1.4%    0.8%    0.5%    1.7%    0.9%
Total    Loans (% of total)    1%    7%    19%    22%    50%    2%    100%
   NPA + 90+ ratio    0.8%    0.7%    0.4%    0.3%    0.1%    0.8%    0.3%
   NCO ratio    1.5%    1.9%    1.3%    0.7%    0.4%    1.0%    0.8%

 

^ 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: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

7

LOGO

 

          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%    8%    1%    4%    0%    2%    <1%    2%    6%    9%
   NPA + 90+ ratio    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%
   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%    52%    1%    7%    0%    5%    29%    16%    8%    13%
   NPA + 90+ ratio    0.0%    0.0%    0.0%    0.3%    0.0%    0.1%    0.2%    2.6%    0.4%    0.3%
   NCO ratio    0.0%    0.0%    0.0%    0.0%    0.0%    0.0%    0.6%    6.1%    4.5%    0.8%
2008    Loans (% of total, by loan type)    2%    20%    3%    14%    1%    13%    19%    15%    41%    15%
   NPA + 90+ ratio    3.1%    0.0%    10.8%    5.7%    0.0%    0.4%    0.4%    7.2%    0.1%    1.9%
   NCO ratio    11.4%    0.0%    23.3%    2.1%    0.1%    0.9%    1.1%    11.4%    0.6%    1.9%
2007    Loans (% of total, by loan type)    13%    6%    9%    16%    14%    11%    16%    26%    23%    15%
   NPA + 90+ ratio    10.2%    0.0%    22.5%    9.4%    1.7%    1.0%    0.4%    7.1%    0.6%    3.7%
   NCO ratio    18.4%    0.0%    19.3%    2.8%    4.5%    1.6%    1.1%    10.8%    3.4%    3.2%
2006    Loans (% of total, by loan type)    35%    6%    17%    13%    32%    13%    8%    10%    10%    13%
   NPA + 90+ ratio    11.1%    0.0%    24.7%    13.3%    3.5%    1.6%    0.5%    7.7%    1.7%    5.4%
   NCO ratio    20.3%    0.0%    18.8%    6.2%    7.5%    2.6%    1.1%    9.4%    1.5%    5.2%
2005    Loans (% of total, by loan type)    38%    4%    36%    22%    26%    13%    4%    8%    6%    13%
   NPA + 90+ ratio    15.9%    0.0%    24.5%    8.6%    2.1%    1.5%    0.5%    6.3%    0.4%    5.8%
   NCO ratio    19.8%    0.0%    15.2%    2.8%    6.0%    2.9%    1.0%    9.6%    4.4%    4.6%
2004 & prior    Loans (% of total, by loan type)    11%    3%    34%    24%    28%    43%    3%    21%    7%    23%
   NPA + 90+ ratio    17.9%    0.0%    10.9%    5.9%    2.3%    1.1%    1.1%    6.0%    0.2%    2.8%
   NCO ratio    24.9%    0.0%    5.1%    1.6%    2.5%    1.0%    2.6%    8.6%    2.7%    2.0%
Total    Loans (% of total, by loan type)    100%    100%    100%    100%    100%    100%    100%    100%    100%    100%
   NPA + 90+ ratio    13.3%    0.0%    18.9%    7.3%    2.5%    1.0%    0.3%    5.9%    0.4%    2.9%
   NCO ratio    20.0%    0.0%    12.7%    2.5%    5.3%    1.4%    0.8%    9.0%    2.0%    2.6%

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

Note: Numbers may not tie due to rounding and minor differences between internal management and external reporting with respect to certain products

 

8

LOGO

Second Quarter 2010 Portfolio Loan and Lease Stratifications

Commercial

 

9

LOGO

 

Total commercial loans ($43.7 billion)
          Florida   Michigan   Other   Total
Other non-owner occupied    Loans (% of total)    3%   4%   13%   20%
RE    NPA ratio    25.4%   8.3%   11.3%   12.8%
   NCO ratio    6.7%   6.3%   3.3%   4.5%
Owner-occupied RE    Loans (% of total)    2%   3%   8%   13%
   NPA ratio    9.1%   6.3%   4.3%   5.4%
   NCO ratio    0.8%   2.0%   1.2%   1.4%
C&I    Loans (% of total)    4%   9%   47%   59%
   NPA ratio    8.2%   4.0%   2.5%   3.0%
   NCO ratio    3.7%   3.7%   1.0%   1.6%
Commercial lease    Loans (% of total)    <1%   <1%   7%   7%
   NPA ratio    9.5%   3.5%   1.2%   1.4%
   NCO ratio    NM   NM   NM   NM
Other    Loans (% of total)    <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%
   NCO ratio    0.0%   0.0%   0.0%   0.0%
Total    Loans (% of total)    8%   17%   75%   100%
   NPA ratio    14.6%   5.7%   4.0%   5.2%
   NCO ratio    4.2%   4.0%   1.3%   2.0%
C&I    Loans (% of total)    4%   9%   47%   59%
   NPA ratio    8.2%   4.0%   2.5%   3.0%
   NCO ratio    3.7%   3.7%   1.0%   1.6%
Commercial mortgage    Loans (% of total)    4%   7%   16%   26%
   NPA ratio    18.4%   6.6%   6.8%   8.3%
   NCO ratio    3.3%   4.7%   1.7%   2.7%
Commercial construction    Loans (% of total)    1%   1%   5%   7%
   NPA ratio    25.1%   15.3%   14.4%   16.2%
   NCO ratio    9.2%   2.7%   5.0%   5.5%
Commercial lease    Loans (% of total)    <1%   <1%   7%   7%
   NPA ratio    9.5%   3.5%   1.2%   1.4%
   NCO ratio    NM   NM   NM   NM
Other    Loans (% of total)    <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%
   NCO ratio    0.0%   0.0%   0.0%   0.0%
Total    Loans (% of total)    8%   17%   75%   100%
   NPA ratio    14.6%   5.7%   4.0%   5.2%
   NCO ratio    4.2%   4.0%   1.3%   2.0%
Homebuilders / developers    Loans (% of total)    1%   <1%   2%   3%
(included in #’s above)    NPA ratio    54.9%   28.4%   31.1%   35.7%
   NCO ratio    19.0%   34.7%   8.6%   15.0%

NPAs exclude loans held-for-sale

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

Note: Percentages may not sum due to rounding

 

10

LOGO

 

Total commercial loans ($43.7 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total
Other non-owner occupied    Loans (% of total)    <1%   15%   6%   <1%   20%
RE    NPA ratio    0.0%   10.6%   18.6%   0.0%   12.8%
   NCO ratio    0.0%   3.6%   6.9%   0.0%   4.5%
Owner-occupied RE    Loans (% of total)    <1%   12%   1%   <1%   13%
   NPA ratio    0.0%   5.4%   5.2%   0.0%   5.4%
   NCO ratio    0.0%   1.6%   NM   0.0%   1.4%
C&I    Loans (% of total)    59%   <1%   <1%   <1%   59%
   NPA ratio    3.0%   0.0%   0.0%   0.0%   3.0%
   NCO ratio    1.6%   0.0%   0.0%   0.0%   1.6%
Commercial lease    Loans (% of total)    <1%   <1%   <1%   7%   7%
   NPA ratio    0.0%   0.0%   0.0%   1.4%   1.4%
   NCO ratio    0.0%   0.0%   0.0%   0.4%   NM
Other    Loans (% of total)    <1%   <1%   <1%   <1%   <1%
   NPA ratio    0.0%   0.0%   0.0%   0.0%   0.0%
   NCO ratio    0.0%   0.0%   0.0%   0.0%   0.0%
Total    Loans (% of total)    59%   26%   7%   7%   100%
   NPA ratio    3.0%   8.3%   16.2%   1.4%   5.2%
   NCO ratio    1.6%   2.7%   5.5%   NM   2.0%
Homebuilders / developers    Loans (% of total)    1%   1%   1%   <1%   3%
(included in #’s above)    NPA ratio    9.4%   38.3%   45.8%   0.0%   35.7%
   NCO ratio    3.2%   16.5%   18.6%   0.0%   15.0%

NPAs exclude loans held-for-sale

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

Note: Percentages may not sum due to rounding

 

11

LOGO

 

Total commercial loans ($43.7 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%   15%   20%
   NPA ratio    37.9%   39.4%   31.6%   29.7%   25.9%   6.5%   12.8%
   NCO ratio    15.1%   17.9%   13.4%   17.3%   12.2%   1.1%   4.5%
Owner-occupied RE    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   12%   13%
   NPA ratio    0.0%   59.5%   7.9%   0.0%   0.8%   5.3%   5.4%
   NCO ratio    0.0%   NM   5.0%   0.0%   0.0%   1.3%   1.4%
C&I    Loans (% of total)    <1%   <1%   1%   <1%   <1%   58%   59%
   NPA ratio    4.9%   7.2%   10.3%   9.3%   16.1%   2.9%   3.0%
   NCO ratio    6.5%   2.4%   8.0%   11.9%   NM   1.4%   1.6%
Commercial lease    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   7%   7%
   NPA ratio    0.0%   0.0%   0.0%   0.0%   0.0%   1.4%   1.4%
   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%
   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    33.6%   38.2%   22.9%   23.0%   23.6%   3.7%   5.2%
   NCO ratio    14.2%   16.8%   11.0%   15.4%   10.4%   1.2%   2.0%
Florida    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   7%   8%
   NPA ratio    77.9%   43.8%   38.8%   8.1%   40.6%   9.7%   14.6%
   NCO ratio    NM   20.8%   27.0%   1.7%   6.2%   2.5%   4.2%
Michigan    Loans (% of total)    <1%   <1%   <1%   <1%   <1%   16%   17%
   NPA ratio    34.3%   21.7%   20.1%   29.4%   13.7%   4.6%   5.7%
   NCO ratio    72.5%   2.9%   6.4%   50.5%   15.6%   2.6%   4.0%
Other    Loans (% of total)    1%   1%   2%   1%   1%   71%   73%
   NPA ratio    22.9%   38.4%   20.6%   27.0%   16.0%   2.9%   4.0%
   NCO ratio    3.8%   17.4%   8.4%   12.7%   11.6%   0.8%   1.3%
Total    Loans (% of total)    1%   1%   3%   1%   1%   93%   100%
   NPA ratio    33.6%   38.2%   22.9%   23.0%   23.6%   3.7%   5.2%
   NCO ratio    14.2%   16.8%   11.0%   15.4%   10.4%   1.2%   2.0%
Homebuilders / developers    Loans (% of total)    1%   1%   1%   <1%   <1%   <1%   3%
(included in #’s above)    NPA ratio    33.6%   38.2%   45.6%   0.0%   0.0%   7.1%   35.7%
   NCO ratio    13.5%   15.5%   20.9%   0.0%   0.0%   4.2%   15.0%

NPAs exclude loans held-for-sale

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

Note: Percentages may not sum due to rounding

 

12

LOGO

 

Total commercial loans ($43.7 billion)
          C&I   Commercial
mortgage		   Commercial
construction		   Other   Total
Accommodation    Loans (% of total)    1%   1%   <1%   <1%   2%
   NPA ratio    4.9%   8.6%   30.3%   0.0%   7.1%
   NCO ratio    3.5%   2.9%   3.4%   0.0%   3.2%
Auto manufacturing    Loans (% of total)    1%   <1%   <1%   <1%   1%
   NPA ratio    3.4%   0.7%   0.0%   0.0%   3.0%
   NCO ratio    2.2%   0.0%   0.0%   0.0%   1.8%
Construction    Loans (% of total)    3%   2%   2%   <1%   8%
   NPA ratio    7.1%   23.8%   28.9%   0.4%   18.4%
   NCO ratio    6.5%   3.1%   6.9%   0.0%   5.4%
Finance & insurance    Loans (% of total)    9%   <1%   <1%   <1%   9%
   NPA ratio    2.3%   3.5%   0.0%   3.7%   2.4%
   NCO ratio    0.3%   0.4%   0.0%   0.0%   0.3%
Manufacturing    Loans (% of total)    13%   1%   <1%   1%   15%
   NPA ratio    3.3%   4.8%   0.0%   0.8%   3.2%
   NCO ratio    0.6%   0.6%   0.0%   0.6%   0.6%
Real estate    Loans (% of total)    4%   13%   4%   <1%   21%
   NPA ratio    4.5%   8.7%   12.3%   1.0%   8.3%
   NCO ratio    3.7%   3.4%   5.5%   0.0%   3.8%
Retail trade    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    2.5%   5.9%   3.4%   0.0%   3.5%
   NCO ratio    1.2%   2.1%   0.8%   0.0%   1.4%
Auto retailers    Loans (% of total)    2%   1%   <1%   <1%   3%
   NPA ratio    1.9%   10.8%   7.9%   0.0%   4.1%
   NCO ratio    0.6%   4.7%   0.0%   0.0%   1.7%
Wholesale trade    Loans (% of total)    5%   1%   <1%   <1%   6%
   NPA ratio    2.1%   1.6%   4.1%   0.3%   2.0%
   NCO ratio    0.5%   1.1%   0.0%   0.0%   0.5%
Other    Loans (% of total)    21%   6%   1%   5%   33%
   NPA ratio    2.6%   3.0%   3.4%   1.6%   2.5%
   NCO ratio    1.8%   1.4%   4.9%   NM   1.5%
Total    Loans (% of total)    59%   26%   7%   7%   100%
   NPA ratio    3.0%   8.3%   16.2%   1.4%   5.2%
   NCO ratio    1.6%   2.7%   5.5%   NM   2.0%

NPAs exclude loans held-for-sale

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

Note: Percentages may not sum due to rounding

 

13

LOGO

 

Total commercial loans ($43.7 billion)
          Florida   Michigan   Other   Total
Accommodation    Loans (% of total)    <1%   <1%   1%   2%
   NPA ratio    16.4%   7.0%   4.2%   7.1%
   NCO ratio    8.6%   1.6%   2.1%   3.2%
Auto manufacturing    Loans (% of total)    <1%   1%   <1%   1%
   NPA ratio    0.0%   5.1%   0.1%   3.0%
   NCO ratio    0.0%   0.0%   4.0%   1.8%
Construction    Loans (% of total)    1%   1%   6%   8%
   NPA ratio    36.0%   13.3%   16.7%   18.4%
   NCO ratio    6.0%   5.0%   5.3%   5.4%
Finance & insurance    Loans (% of total)    <1%   1%   8%   9%
   NPA ratio    3.3%   3.0%   2.2%   2.4%
   NCO ratio    0.1%   0.1%   0.4%   0.3%
Manufacturing    Loans (% of total)    <1%   2%   12%   15%
   NPA ratio    22.7%   3.2%   2.6%   3.2%
   NCO ratio    0.7%   3.1%   0.1%   0.6%
Real estate    Loans (% of total)    3%   5%   13%   21%
   NPA ratio    22.2%   7.7%   5.6%   8.3%
   NCO ratio    9.0%   6.4%   1.5%   3.8%
Retail trade    Loans (% of total)    <1%   1%   2%   3%
   NPA ratio    6.0%   7.0%   1.9%   3.5%
   NCO ratio    3.6%   3.6%   0.4%   1.4%
Auto retailers    Loans (% of total)    <1%   <1%   2%   3%
   NPA ratio    7.0%   2.6%   4.0%   4.1%
   NCO ratio    0.2%   9.3%   NM   1.7%
Wholesale trade    Loans (% of total)    <1%   1%   5%   6%
   NPA ratio    0.4%   2.1%   2.1%   2.0%
   NCO ratio    0.0%   0.8%   0.5%   0.5%
Other    Loans (% of total)    3%   4%   26%   33%
   NPA ratio    3.8%   3.4%   2.2%   2.5%
   NCO ratio    NM   2.9%   1.5%   1.5%
Total    Loans (% of total)    8%   17%   75%   100%
   NPA ratio    14.6%   5.7%   4.0%   5.2%
   NCO ratio    4.2%   4.0%   1.3%   2.0%

NPAs exclude loans held-for-sale

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

Note: Percentages may not sum due to rounding

 

14

LOGO

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.

 

15