STI 2018 Annual Report

Notes to Consolidated Financial Statements, continued 109 The LHFI portfolio by payment status is presented in the following tables: December 31, 2018 Accruing (Dollars in millions) Current 30-89 Days Past Due 90+ Days Past Due Nonaccruing 1 Total Commercial loans: C&I $70,901 $64 $15 $157 $71,137 CRE 7,259 3 1 2 7,265 Commercial construction 2,538 — — — 2,538 Total commercial LHFI 80,698 67 16 159 80,940 Consumer loans: Residential mortgages - guaranteed 125 39 295 — 3 459 Residential mortgages - nonguaranteed 2 28,552 70 10 204 28,836 Residential home equity products 9,268 62 — 138 9,468 Residential construction 170 3 — 11 184 Guaranteed student 5,236 685 1,308 — 3 7,229 Other direct 10,559 45 4 7 10,615 Indirect 12,286 125 1 7 12,419 Credit cards 1,654 17 18 — 1,689 Total consumer LHFI 67,850 1,046 1,636 367 70,899 Total LHFI $148,548 $1,113 $1,652 $526 $151,839 1 Includes nonaccruing LHFI past due 90 days or more of $306 million. Nonaccruing LHFI past due fewer than 90 days include nonaccrual loans modified in TDRs, performing second lien loans where the first lien loan is nonperforming, and certain energy-related commercial loans. 2 Includes $163 million of loans measured at fair value, the majority of which were accruing current. 3 Guaranteed loans are not placed on nonaccrual status regardless of delinquency because collection of principal and interest is reasonably assured by the government. December 31, 2017 Accruing (Dollars in millions) Current 30-89 Days Past Due 90+ Days Past Due Nonaccruing 1 Total Commercial loans: C&I $66,092 $42 $7 $215 $66,356 CRE 5,293 — — 24 5,317 Commercial construction 3,803 — — 1 3,804 Total commercial LHFI 75,188 42 7 240 75,477 Consumer loans: Residential mortgages - guaranteed 159 55 346 — 3 560 Residential mortgages - nonguaranteed 2 26,778 148 4 206 27,136 Residential home equity products 10,348 75 — 203 10,626 Residential construction 280 7 — 11 298 Guaranteed student 4,946 659 1,028 — 3 6,633 Other direct 8,679 36 7 7 8,729 Indirect 12,022 111 — 7 12,140 Credit cards 1,556 13 13 — 1,582 Total consumer LHFI 64,768 1,104 1,398 434 67,704 Total LHFI $139,956 $1,146 $1,405 $674 $143,181 1 Includes nonaccruing LHFI past due 90 days or more of $357 million. Nonaccruing LHFI past due fewer than 90 days include nonaccrual loans modified in TDRs, performing second lien loans where the first lien loan is nonperforming, and certain energy-related commercial loans. 2 Includes $196 million of loans measured at fair value, the majority of which were accruing current. 3 Guaranteed loans are not placed on nonaccrual status regardless of delinquency because collection of principal and interest is reasonably assured by the government.