Quarterly report pursuant to Section 13 or 15(d)

LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)

v3.5.0.2
LOANS / LEASES AND ALLOWANCE FOR CREDIT LOSSES (Tables)
6 Months Ended
Jun. 30, 2016
Receivables [Abstract]  
Loan and Lease Portfolio
The following table provides a detailed listing of Huntington’s loan and lease portfolio at June 30, 2016 and December 31, 2015:
(dollar amounts in thousands)
June 30,
2016
 
December 31,
2015
Loans and leases:
 
 
 
Commercial and industrial
$
21,372,474

 
$
20,559,834

Commercial real estate
5,322,068

 
5,268,651

Automobile
10,380,644

 
9,480,678

Home equity
8,447,066

 
8,470,482

Residential mortgage
6,377,017

 
5,998,400

Other consumer
644,152

 
563,054

Loans and leases
52,543,421

 
50,341,099

Allowance for loan and lease losses
(623,064
)
 
(597,843
)
Net loans and leases
$
51,920,357

 
$
49,743,256

Loans acquired with deteriorated credit quality
 
 
 
 
 
 
 
 

 
 
 
 
 
 
 
 
Loan Purchases and Sales
The following table summarizes significant portfolio loan purchase and sale activity for the three-month and six-month periods ended June 30, 2016 and 2015. The table below excludes mortgage loans originated for sale.
(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
Portfolio loans and leases purchased or transferred from held for sale during the:
Three-month period ended June 30, 2016
$
35,198

 
$

 
$


 
$

 
$
1,669

 
$

 
$
36,867

Six-month period ended June 30, 2016
$
338,172

 
$

 
$


 
$

 
$
3,813

 
$

 
$
341,985

Three-month period ended June 30, 2015
31,905

 

 

 
 

 
2,754

 
$

 
34,659

Six-month period ended June 30, 2015
44,496

 

 

 
 

 
6,637

 

 
51,133

Portfolio loans and leases sold or transferred to loans held for sale during the:
Three-month period ended June 30, 2016
$
96,278

 
$

 
$

 
 
$

 
$

 
$

 
$
96,278

Six-month period ended June 30, 2016
$
240,797

 
$

 
$


 
$

 
$

 
$

 
$
240,797

Three-month period ended June 30, 2015
100,202

 

 

 
 

 

 

 
100,202

Six-month period ended June 30, 2015
185,902

 

 
764,540

(1)
 

 

 

 
950,442

(1)
Reflects the transfer of approximately $1.0 billion automobile loans to loans held-for-sale at March 31, 2015
NALs and Past Due Loans
The following table presents NALs by loan class at June 30, 2016 and December 31, 2015:
(dollar amounts in thousands)
June 30,
2016
 
December 31,
2015
Commercial and industrial:
 
 
 
Owner occupied
$
27,624

 
$
35,481

Other commercial and industrial
262,187

 
139,714

Total commercial and industrial
289,811

 
175,195

Commercial real estate:
 
 
 
Retail properties
2,345

 
7,217

Multi-family
5,819

 
5,819

Office
10,742

 
10,495

Industrial and warehouse
1,864

 
2,202

Other commercial real estate
2,893

 
3,251

Total commercial real estate
23,663

 
28,984

Automobile
5,049

 
6,564

Home equity:
 
 
 
Secured by first-lien
33,279

 
35,389

Secured by junior-lien
23,566

 
30,889

Total home equity
56,845

 
66,278

Residential mortgage
85,174

 
94,560

Other consumer
5

 

Total nonaccrual loans
$
460,547

 
$
371,581

Aging analysis of loans and leases
The following table presents an aging analysis of loans and leases, including past due loans, by loan class at June 30, 2016 and December 31, 2015: (1)
 
June 30, 2016
 
Past Due
 
 
 
Total Loans
and Leases
 
90 or more
days past due
and accruing
 
(dollar amounts in thousands)
30-59 Days
 
60-89 Days
 
90 or more days
Total
 
Current
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
3,143

 
$
3,336

 
$
10,779

 
$
17,258

 
$
3,934,039

 
$
3,951,297

 
$

 
Purchased credit-impaired
178

 
172

 
3,750

 
4,100

 
5,076

 
9,176

 
3,750

(2)
Other commercial and industrial
16,936

 
7,229

 
44,420

 
68,585

 
17,343,416

 
17,412,001

 
1,866

(3)
Total commercial and industrial
20,257

 
10,737

 
58,949

 
89,943

 
21,282,531

 
21,372,474

 
5,616

 
Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
86

 
199

 
810

 
1,095

 
1,600,914

 
1,602,009

 

 
Multi-family
507

 
802

 
1,892

 
3,201

 
999,638

 
1,002,839

 

 
Office

 
40

 
10,519

 
10,559

 
845,284

 
855,843

 

 
Industrial and warehouse
156

 
324

 
894

 
1,374

 
490,912

 
492,286

 

 
Purchased credit-impaired

 
335

 
10,799

 
11,134

 
5,939

 
17,073

 
10,799

(2)
Other commercial real estate
351

 
620

 
1,713

 
2,684

 
1,349,334

 
1,352,018

 

 
Total commercial real estate
1,100

 
2,320

 
26,627

 
30,047

 
5,292,021

 
5,322,068

 
10,799

 
Automobile
61,988

 
13,900

 
5,589

 
81,477

 
10,299,167

 
10,380,644

 
5,452

 
Home equity:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
12,311

 
7,008

 
24,565

 
43,884

 
5,198,668

 
5,242,552

 
4,775

 
Secured by junior-lien
15,514

 
6,844

 
21,261

 
43,619

 
3,160,895

 
3,204,514

 
2,804

 
Total home equity
27,825

 
13,852

 
45,826

 
87,503

 
8,359,563

 
8,447,066

 
7,579

 
Residential mortgage:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
86,760

 
35,127

 
110,859

 
232,746

 
6,143,167

 
6,375,913

 
67,488

(4)
Purchased credit-impaired

 

 

 

 
1,104

 
1,104

 

 
Total residential mortgage
86,760

 
35,127

 
110,859

 
232,746

 
6,144,271

 
6,377,017

 
67,488

 
Other consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
7,323

 
2,377

 
1,645

 
11,345

 
632,807

 
644,152

 
1,645

 
Purchased credit-impaired

 

 

 

 

 

 

 
Total other consumer
7,323

 
2,377

 
1,645

 
11,345

 
632,807

 
644,152

 
1,645

 
Total loans and leases
$
205,253

 
$
78,313

 
$
249,495

 
$
533,061

 
$
52,010,360

 
$
52,543,421

 
$
98,579

 

 
December 31, 2015
 
Past Due
 
 
 
Total Loans
and Leases
 
90 or more
days past due
and accruing
 
(dollar amounts in thousands)
30-59 Days
 
60-89 Days
 
90 or more days
Total
 
Current
 
 
 
Commercial and industrial:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Owner occupied
$
11,947

 
$
3,613

 
$
13,793

 
$
29,353

 
$
3,983,447

 
$
4,012,800

 
$

 
Purchased credit-impaired
292

 
1,436

 
5,949

 
7,677

 
13,340

 
21,017

 
5,949

(2)
Other commercial and industrial
32,476

 
8,531

 
27,236

 
68,243

 
16,457,774

 
16,526,017

 
2,775

(3)
Total commercial and industrial
44,715

 
13,580

 
46,978

 
105,273

 
20,454,561

 
20,559,834

 
8,724


Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Retail properties
1,823

 
195

 
3,637

 
5,655

 
1,501,054

 
1,506,709

 

 
Multi family
961

 
1,137

 
2,691

 
4,789

 
1,073,429

 
1,078,218

 

 
Office
5,022

 
256

 
3,016

 
8,294

 
886,331

 
894,625

 

 
Industrial and warehouse
93

 

 
373

 
466

 
503,701

 
504,167

 

 
Purchased credit-impaired
102

 
3,818

 
9,549

 
13,469

 
289

 
13,758

 
9,549

(2)
Other commercial real estate
1,231

 
315

 
2,400

 
3,946

 
1,267,228

 
1,271,174

 

 
Total commercial real estate
9,232

 
5,721

 
21,666

 
36,619

 
5,232,032

 
5,268,651

 
9,549


Automobile
69,553

 
14,965

 
7,346

 
91,864

 
9,388,814

 
9,480,678

 
7,162

 
Home equity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured by first-lien
18,349

 
7,576

 
26,304

 
52,229

 
5,139,256

 
5,191,485

 
4,499

 
Secured by junior-lien
18,128

 
9,329

 
29,996

 
57,453

 
3,221,544

 
3,278,997

 
4,545

 
Total home equity
36,477

 
16,905

 
56,300

 
109,682

 
8,360,800

 
8,470,482

 
9,044

 
Residential mortgage
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential mortgage
102,670

 
34,298

 
119,354

 
256,322

 
5,740,624

 
5,996,946

 
69,917

(5)
Purchased credit-impaired
103

 

 

 
103

 
1,351

 
1,454

 

 
Total residential mortgage
102,773

 
34,298

 
119,354

 
256,425

 
5,741,975

 
5,998,400

 
69,917


Other consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer
6,469

 
1,852

 
1,395

 
9,716

 
553,286

 
563,002

 
1,394

 
Purchased credit-impaired

 

 

 

 
52

 
52

 

 
Total other consumer
6,469

 
1,852

 
1,395

 
9,716

 
553,338

 
563,054

 
1,394

 
Total loans and leases
$
269,219

 
$
87,321

 
$
253,039

 
$
609,579

 
$
49,731,520

 
$
50,341,099

 
$
105,790

 
(1)
NALs are included in this aging analysis based on the loan’s past due status.
(2)
Amounts represent accruing purchased impaired loans related to acquisitions. Under the applicable accounting guidance (ASC 310-30), the loans were recorded at fair value upon acquisition and remain in accruing status.
(3)
Amounts include Huntington Technology Finance administrative lease delinquencies.
(4)
Includes $56 million guaranteed by the U.S. government.
(5)
Includes $56 million guaranteed by the U.S. government.
ALLL and AULC activity by portfolio segment
The following table presents ALLL and AULC activity by portfolio segment for the three-month and six-month periods ended June 30, 2016 and 2015:
(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
Three-month period ended June 30, 2016:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
320,367

 
$
102,074

 
$
48,032

 
$
78,102

 
$
40,842

 
$
24,302

 
$
613,719

Loan charge-offs
(14,743
)
 
(2,190
)
 
(8,850
)
 
(5,910
)
 
(2,923
)
 
(8,929
)
 
(43,545
)
Recoveries of loans previously charged-off
11,041

 
2,863

 
4,530

 
4,832

 
2,147

 
1,377

 
26,790

Provision (reduction in allowance) for loan and lease losses
6,800

 
(1,705
)
 
6,819

 
(542
)
 
2,312

 
12,402

 
26,086

Write-downs of loans sold or transferred to loans held for sale

 

 

 

 
14

 

 
14

ALLL balance, end of period
$
323,465

 
$
101,042

 
$
50,531

 
$
76,482

 
$
42,392

 
$
29,152

 
$
623,064

AULC balance, beginning of period
$
58,385

 
$
7,487

 
$

 
$
2,110

 
$
20

 
$
7,323

 
$
75,325

Provision (reduction in allowance) for unfunded loan commitments and letters of credit
(2,343
)
 
188

 

 
40

 
(11
)
 
549

 
(1,577
)
AULC balance, end of period
$
56,042

 
$
7,675

 
$

 
$
2,150

 
$
9

 
$
7,872

 
$
73,748

ACL balance, end of period
$
379,507

 
$
108,717

 
$
50,531

 
$
78,632

 
$
42,401

 
$
37,024

 
$
696,812

Six-month period ended June 30, 2016:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
298,746

 
$
100,007

 
$
49,504

 
$
83,671

 
$
41,646

 
$
24,269

 
$
597,843

Loan charge-offs
(31,566
)
 
(14,316
)
 
(20,336
)
 
(13,620
)
 
(5,683
)
 
(17,716
)
 
(103,237
)
Recoveries of loans previously charged-off
21,350

 
32,465

 
9,246

 
8,861

 
3,260

 
2,748

 
77,930

Provision (reduction in allowance) for loan and lease losses
34,935

 
(17,114
)
 
12,117

 
(2,430
)
 
3,065

 
19,851

 
50,424

Write-downs of loans sold or transferred to loans held for sale

 

 

 

 
104

 

 
104

ALLL balance, end of period
$
323,465

 
$
101,042

 
$
50,531

 
$
76,482

 
$
42,392

 
$
29,152

 
$
623,064

AULC balance, beginning of period
$
55,886

 
$
7,562

 
$

 
$
2,068

 
$
18

 
$
6,547

 
$
72,081

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
156

 
113

 

 
82

 
(9
)
 
1,325

 
1,667

AULC balance, end of period
$
56,042

 
$
7,675

 
$

 
$
2,150

 
$
9

 
$
7,872

 
$
73,748

ACL balance, end of period
$
379,507

 
$
108,717

 
$
50,531

 
$
78,632

 
$
42,401

 
$
37,024

 
$
696,812

(dollar amounts in thousands)
Commercial
and Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
Three-month period ended June 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
284,573

 
$
100,752

 
$
37,125

 
$
110,280

 
$
55,380

 
$
17,016

 
$
605,126

Loan charge-offs
(12,213
)
 
(8,288
)
 
(7,691
)
 
(8,629
)
 
(3,610
)
 
(6,539
)
 
(46,970
)
Recoveries of loans previously charged-off
7,802

 
2,763

 
4,249

 
3,979

 
1,468

 
1,334

 
21,595

Provision for (reduction in allowance) loan and lease losses
4,879

 
(3,167
)
 
5,418

 
5,548

 
(1,559
)
 
8,671

 
19,790

Allowance for loans sold or transferred to loans held for sale

 

 
1

 

 

 

 
1

ALLL balance, end of period
$
285,041

 
$
92,060

 
$
39,102

 
$
111,178

 
$
51,679

 
$
20,482

 
$
599,542

AULC balance, beginning of period
$
42,315

 
$
5,531

 
$

 
$
2,639

 
$
9

 
$
4,248

 
$
54,742

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
(466
)
 
247

 

 
(117
)
 
8

 
957

 
629

AULC balance, end of period
$
41,849

 
$
5,778

 
$

 
$
2,522

 
$
17

 
$
5,205

 
$
55,371

ACL balance, end of period
$
326,890

 
$
97,838

 
$
39,102

 
$
113,700

 
$
51,696

 
$
25,687

 
$
654,913

Six-month period ended June 30, 2015:
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL balance, beginning of period
$
286,995

 
$
102,839

 
$
33,466

 
$
96,413

 
$
47,211

 
$
38,272

 
$
605,196

Loan charge-offs
(36,825
)
 
(10,301
)
 
(15,794
)
 
(17,215
)
 
(8,473
)
 
(13,437
)
 
(102,045
)
Recoveries of loans previously charged-off
21,011

 
8,788

 
8,104

 
7,940

 
3,515

 
2,880

 
52,238

Provision for (reduction in allowance) loan and lease losses
13,860

 
(9,266
)
 
15,618

 
24,040

 
9,426

 
(7,233
)
 
46,445

Allowance for loans sold or transferred to loans held for sale

 

 
(2,292
)
 

 

 

 
(2,292
)
ALLL balance, end of period
$
285,041

 
$
92,060

 
$
39,102

 
$
111,178

 
$
51,679

 
$
20,482

 
$
599,542

AULC balance, beginning of period
$
48,988

 
$
6,041

 
$

 
$
1,924

 
$
8

 
$
3,845

 
$
60,806

Provision for (reduction in allowance) unfunded loan commitments and letters of credit
(7,139
)
 
(263
)
 

 
598

 
9

 
1,360

 
(5,435
)
AULC balance, end of period
$
41,849

 
$
5,778

 
$

 
$
2,522

 
$
17

 
$
5,205

 
$
55,371

ACL balance, end of period
$
326,890

 
$
97,838

 
$
39,102

 
$
113,700

 
$
51,696

 
$
25,687

 
$
654,913

Loan and lease balances by credit quality indicator
The following table presents each loan and lease class by credit quality indicator at June 30, 2016 and December 31, 2015:
 
June 30, 2016
 
Credit Risk Profile by UCS Classification
(dollar amounts in thousands)
Pass
 
OLEM
 
Substandard
 
Doubtful
 
Total
Commercial and industrial:
 
 
 
 
 
 
 
 
 
Owner occupied
$
3,708,602

 
$
83,694

 
$
158,248

 
$
753

 
$
3,951,297

Purchased credit-impaired
1,484

 
293

 
7,379

 
20

 
9,176

Other commercial and industrial
16,315,278

 
316,141

 
776,383

 
4,199

 
17,412,001

Total commercial and industrial
20,025,364

 
400,128

 
942,010

 
4,972

 
21,372,474

Commercial real estate:
 
 
 
 
 
 
 
 
 
Retail properties
1,582,809

 
8,297

 
10,903

 

 
1,602,009

Multi-family
959,152

 
28,778

 
14,573

 
336

 
1,002,839

Office
787,401

 
34,957

 
33,098

 
387

 
855,843

Industrial and warehouse
469,083

 
4,500

 
18,703

 

 
492,286

Purchased credit-impaired
3,157

 
228

 
12,151

 
1,537

 
17,073

Other commercial real estate
1,316,273

 
4,584

 
30,343

 
818

 
1,352,018

Total commercial real estate
5,117,875

 
81,344

 
119,771

 
3,078

 
5,322,068

 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by FICO Score (1)
 
750+
 
650-749
 
<650
 
Other (2)
 
Total
Automobile
5,205,064

 
3,779,606

 
1,116,762

 
279,212

 
10,380,644

Home equity:
 
 
 
 
 
 
 
 
 
Secured by first-lien
3,346,422

 
1,463,054

 
264,024

 
169,052

 
5,242,552

Secured by junior-lien
1,818,244

 
982,067

 
289,865

 
114,338

 
3,204,514

Total home equity
5,164,666

 
2,445,121

 
553,889

 
283,390

 
8,447,066

Residential mortgage:
 
 
 
 
 
 
 
 
 
Residential mortgage
3,886,423

 
1,848,386

 
522,665

 
118,439

 
6,375,913

Purchased credit-impaired
320

 
331

 
453

 

 
1,104

Total residential mortgage
3,886,743

 
1,848,717

 
523,118

 
118,439

 
6,377,017

Other consumer:
 
 
 
 
 
 
 
 
 
Other consumer
257,518

 
313,712

 
59,699

 
13,223

 
644,152

Purchased credit-impaired

 

 

 

 

Total other consumer
$
257,518

 
$
313,712

 
$
59,699

 
$
13,223

 
$
644,152


 
December 31, 2015
 
Credit Risk Profile by UCS Classification
(dollar amounts in thousands)
Pass
 
OLEM
 
Substandard
 
Doubtful
 
Total
Commercial and industrial:
 
 
 
 
 
 
 
 
 
Owner occupied
$
3,731,113

 
$
114,490

 
$
165,301

 
$
1,896

 
$
4,012,800

Purchased credit-impaired
3,051

 
674

 
15,661

 
1,631

 
21,017

Other commercial and industrial
15,523,625

 
284,175

 
714,615

 
3,602

 
16,526,017

Total commercial and industrial
19,257,789

 
399,339

 
895,577

 
7,129

 
20,559,834

Commercial real estate:
 
 
 
 
 
 
 
 
 
Retail properties
1,473,014

 
10,865

 
22,830

 

 
1,506,709

Multi-family
1,029,138

 
28,862

 
19,898

 
320

 
1,078,218

Office
822,824

 
35,350

 
36,011

 
440

 
894,625

Industrial and warehouse
493,402

 
259

 
10,450

 
56

 
504,167

Purchased credit-impaired
7,194

 
397

 
6,167

 

 
13,758

Other commercial real estate
1,240,482

 
4,054

 
25,811

 
827

 
1,271,174

Total commercial real estate
5,066,054

 
79,787

 
121,167

 
1,643

 
5,268,651

 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by FICO Score (1)
 
750+
 
650-749
 
<650
 
Other (2)
 
Total
Automobile
4,680,684

 
3,454,585

 
1,086,914

 
258,495

 
9,480,678

Home equity:
 
 
 
 
 
 
 
 
 
Secured by first-lien
3,369,657

 
1,441,574

 
258,328

 
121,926

 
5,191,485

Secured by junior-lien
1,841,084

 
1,024,851

 
323,998

 
89,064

 
3,278,997

Total home equity
5,210,741

 
2,466,425

 
582,326

 
210,990

 
8,470,482

Residential mortgage
 
 
 
 
 
 
 
 
 
Residential mortgage
3,563,683

 
1,813,002

 
567,688

 
52,573

 
5,996,946

Purchased credit-impaired
381

 
777

 
296

 

 
1,454

Total residential mortgage
3,564,064

 
1,813,779

 
567,984

 
52,573

 
5,998,400

Other consumer
 
 
 
 
 
 
 
 
 
Other consumer
233,969

 
269,694

 
49,650

 
9,689

 
563,002

Purchased credit-impaired

 
52

 

 

 
52

Total other consumer
$
233,969

 
$
269,746

 
$
49,650

 
$
9,689

 
$
563,054


(1)
Reflects most recent customer credit scores.
(2)
Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
Summarized data for impaired loans and the related ALLL by portfolio segment
The following tables present the balance of the ALLL attributable to loans by portfolio segment individually and collectively evaluated for impairment and the related loan and lease balance at June 30, 2016 and December 31, 2015:
(dollar amounts in thousands)
Commercial
and
Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
ALLL at June 30, 2016:
 
 
 
 
 
 
 
 
 
 
 
 
 
Portion of ALLL balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$

 
$

 
$

 
$

 
$

 
$

 
$

Attributable to loans individually evaluated for impairment
30,636

 
4,894

 
1,795

 
12,962

 
16,513

 
309

 
67,109

Attributable to loans collectively evaluated for impairment
292,829

 
96,148

 
48,736

 
63,520

 
25,879

 
28,843

 
555,955

Total ALLL balance
$
323,465

 
$
101,042

 
$
50,531

 
$
76,482

 
$
42,392

 
$
29,152

 
$
623,064

Loan and Lease Ending Balances at June 30, 2016:
 
 
 
 
 
 
 
 
 
 
 
 
Portion of loan and lease ending balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
9,176

 
$
17,073

 
$

 
$

 
$
1,104

 
$

 
$
27,353

Individually evaluated for impairment
579,003

 
108,187

 
30,800

 
244,917

 
347,412

 
4,664

 
1,314,983

Collectively evaluated for impairment
20,784,295

 
5,196,808

 
10,349,844

 
8,202,149

 
6,028,501

 
639,488

 
51,201,085

Total loans and leases evaluated for impairment
$
21,372,474


$
5,322,068


$
10,380,644


$
8,447,066


$
6,377,017


$
644,152


$
52,543,421

(dollar amounts in thousands)
Commercial
and
Industrial
 
Commercial
Real Estate
 
Automobile
 
Home
Equity
 
Residential
Mortgage
 
Other
Consumer
 
Total
ALLL at December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
Portion of ALLL balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
2,602

 
$

 
$

 
$

 
$
127

 
$

 
$
2,729

Attributable to loans individually evaluated for impairment
19,314

 
8,114

 
1,779

 
16,242

 
16,811

 
176

 
62,436

Attributable to loans collectively evaluated for impairment
276,830

 
91,893

 
47,725

 
67,429

 
24,708

 
24,093

 
532,678

Total ALLL balance:
$
298,746

 
$
100,007

 
$
49,504

 
$
83,671

 
$
41,646

 
$
24,269

 
$
597,843

Loan and Lease Ending Balances at December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
Portion of loan and lease ending balances:
 
 
 
 
 
 
 
 
 
 
 
 
 
Attributable to purchased credit-impaired loans
$
21,017

 
$
13,758

 
$

 
$

 
$
1,454

 
$
52

 
$
36,281

Individually evaluated for impairment
481,033

 
144,977

 
31,304

 
248,839

 
366,995

 
4,640

 
1,277,788