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## TABLE 28: NON-OWNER OCCUPIED COMMERCIAL REAL ESTATE 

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## TABLE 29: HOME BUILDER AND DEVELOPER (a) 

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(a) Home Builder and Developer loans, exclusive of commercial and industrial loans with an outstanding balance of $134  and a total exposure of $319  are also included in Table 27: Non-Owner Occupied Commercial Real Estate . 

## TABLE 30: HOME BUILDER AND DEVELOPER (a) 

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(a) Home Builder and Developer loans, exclusive of commercial and industrial loans with an outstanding balance of $200 and a total exposure of $461 are also included in Table 28: Non-Owner Occupied Commercial Real Estate 

## Consumer Portfolio 

The Bancorp’s consumer portfolio is materially comprised of three categories of loans: residential mortgage, home equity, and automobile loans. The Bancorp has identified certain categories within these loan types which it believes represent a higher level of risk compared to the rest of the consumer loan portfolio due to high loan amount to collateral value. 

## Residential Mortgage Portfolio 

The Bancorp manages credit risk in the mortgage portfolio through conservative underwriting and documentation standards and geographic and product diversification. The Bancorp may also package and sell loans in the portfolio or may purchase mortgage insurance for the loans sold in order to mitigate credit risk. 

The Bancorp does not originate mortgage loans that permit customers to defer principal payments or make payments that are less than the accruing interest. The Bancorp originates both fixed and adjustable rate residential mortgage loans. Resets of rates on adjustable rate mortgages are not expected to have a material 

impact on credit costs in the current interest rate environment, as approximately $1.3 billion of adjustable rate residential mortgage loans will have rate resets in 2011, with less than one percent of those resets expected to experience an increase in monthly payments. 

Certain residential mortgage products have contractual features that may increase credit exposure to the Bancorp in the event of a decline in housing prices. These types of mortgage products offered by the Bancorp include loans with high LTV ratios, multiple loans on the same collateral that when combined result in an LTV greater than 80% (80/20 loans) and interest-only loans. The Bancorp monitors residential mortgages loans with greater than 80% LTV ratio and no mortgage insurance as it believes these loans represent a higher level of risk. Tables 31 and 32 provide analysis of the residential mortgage loans outstanding with a greater than 80% LTV ratio and no mortgage insurance as of December 31, 2010 and 2009, respectively. 

