PNC » Topics » Accruing Loans Past Due 90 Days Or More

This excerpt taken from the PNC 10-Q filed Nov 6, 2008.

Accruing Loans Past Due 90 Days Or More

 

    Amount   Percent of Total
Outstandings
 
Dollars in millions  

Sept. 30

2008

 

Dec. 31

2007

 

Sept. 30

2008

   

Dec. 31

2007

 

Commercial

  $ 37   $ 14   .11 %   .05 %

Commercial real estate

    22     18   .23     .20  

Consumer

    73     49   .34     .27  

Residential mortgage

    45     43   .51     .45  

Lease Financing

    2     .08      

Other

    13     12   4.36     2.91  

Total loans

  $ 192   $ 136   .26     .20  

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $329 million at September 30, 2008 compared with $134 million at December 31, 2007.

This excerpt taken from the PNC 10-Q filed Aug 8, 2008.

Accruing Loans Past Due 90 Days Or More

 

    Amount   Percent of Total
Outstandings
 
Dollars in millions  

June 30

2008

 

Dec. 31

2007

 

June 30

2008

   

Dec. 31

2007

 

Commercial

  $ 22   $ 14   .07 %   .05 %

Commercial real estate

    10     18   .11     .20  

Consumer

    70     49   .34     .27  

Residential mortgage

    46     43   .51     .45  

Other

    12     12   4.12     2.91  

Total loans

  $ 160   $ 136   .22     .20  

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $262 million at June 30, 2008 compared with $134 million at December 31, 2007.

This excerpt taken from the PNC 10-Q filed May 12, 2008.

Accruing Loans Past Due 90 Days Or More

 

    Amount   Percent of Total
Outstandings
 
Dollars in millions  

March 31

2008

 

Dec. 31

2007

 

March 31

2008

   

Dec. 31

2007

 

Commercial

  $ 23   $ 14   .08 %   .05 %

Commercial real estate

    4     18   .04     .20  

Consumer

    61     49   .30     .27  

Residential mortgage

    11     13   .12     .14  

Other

    7     12   2.57     2.91  

Total loans

  $ 106   $ 106   .15     .16  

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $177 million at March 31, 2008 compared with $134 million at December 31, 2007.

This excerpt taken from the PNC 10-K filed Feb 29, 2008.

Accruing Loans Past Due 90 Days Or More

 

     Amount    Percent of Total
Outstandings
 
Dollars in millions   

Dec. 31

2007

  

Dec. 31

2006

   Dec. 31
2007
   

Dec. 31

2006

 

Commercial

   $14    $9    .05 %   .04 %

Commercial real estate

   18    5    .20     .14  

Consumer

   49    28    .27     .17  

Residential mortgage

   13    7    .14     .11  

Other

   12    1    2.91     .27  

Total loans

   $106    $50    .16 %   .10 %

 

47


Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $134 million at December 31, 2007, compared with $41 million at December 31, 2006.

This excerpt taken from the PNC 10-Q filed Nov 8, 2007.

Accruing Loans Past Due 90 Days Or More

 

     Amount    Percent of Total
Outstandings
 
Dollars in millions   

Sept. 30

2007

  

Dec. 31

2006

  

Sept. 30

2007

   

Dec. 31

2006

 

Commercial

   $ 28    $ 9    .11 %   .04 %

Commercial real estate

     23      5    .28     .14  

Consumer

     39      28    .21     .17  

Residential mortgage

     9      7    .09     .11  

Other

     5      1    1.26     .27  

Total loans

   $ 104    $ 50    .16     .10  

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $128 million at September 30, 2007 compared with $41 million at December 31, 2006. This increase reflected credit quality migration.

This excerpt taken from the PNC 10-Q filed Aug 8, 2007.

Accruing Loans Past Due 90 Days Or More

 

     Amount    Percent of Total
Outstandings
 
Dollars in millions   

June 30

2007

  

Dec. 31

2006

  

June 30

2007

   

Dec. 31

2006

 

Commercial

   $ 7    $ 9    .03 %   .04 %

Commercial real estate

     10      5    .10     .14  

Consumer

     27      28    .15     .17  

Residential mortgage

     5      7    .05     .11  

Other

     6      1    1.57     .27  

Total loans

   $ 55    $ 50    .08     .10  

The increase in “Other” accruing loans past due 90 days or more at June 30, 2007 compared with December 31, 2006 is primarily due to a single credit which returned to current status subsequent to quarter end.

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $60 million at June 30, 2007 compared with $41 million at December 31, 2006.

This excerpt taken from the PNC 10-Q filed May 9, 2007.

Accruing Loans Past Due 90 Days Or More

 

     Amount    Percent of Total
Outstandings
 
Dollars in millions   

Mar. 31

2007

   Dec. 31
2006
  

Mar. 31

2007

    Dec. 31
2006
 

Commercial

   $ 8    $ 9    .03 %   .04 %

Commercial real estate

     4      5    .04     .14  

Consumer

     25      28    .14     .17  

Residential mortgage

     7      7    .08     .11  

Other

     2      1    .55     .27  

Total loans

   $ 46    $ 50    .07 %   .10 %

Loans that are not included in nonperforming or past due categories but cause us to be uncertain about the borrower’s ability to comply with existing repayment terms over the next six months totaled $48 million at March 31, 2007 compared with $41 million at December 31, 2006. Approximately 52% of these loans are in the Corporate & Institutional Banking portfolio.

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