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The following table summarizes the credit risk profile of the Bancorp’s commercial portfolio segment, by class, as of December 31, 2010: 

<img src='content_image/245790.jpg'>

For purposes of monitoring the credit quality and risk characteristics of its consumer portfolio segment, the Bancorp disaggregates the segment into the following classes: home equity, automobile loans, credit card, and other consumer loans and leases. The Bancorp’s residential mortgage portfolio segment is also a separate class. 

The Bancorp considers repayment performance as the best indicator of credit quality for residential mortgage and consumer loans. Residential mortgage loans that have principal and interest payments that have become past due one hundred fifty days are classified as nonperforming unless such loans are both well secured and in the process of collection. Home equity, automobile, and other consumer loans and leases that have principal and interest payments that have become past due ninety days are classified as nonperforming unless the loan is both well 

secured and in the process of collection. Credit card loans that have been modified in a TDR are classified as nonperforming unless such loans have a sustained repayment performance of six months or greater and are reasonably assured of repayment in accordance with the restructured terms. All other loans and leases are classified as performing. Well secured loans are collateralized by perfected security interests in real and/or personal property for which the Bancorp estimates proceeds from sale would be sufficient to recover the outstanding principal and accrued interest balance of the loan and pay all costs to sell the collateral. The Bancorp considers a loan in the process of collection if collection efforts or legal action is proceeding and the Bancorp expects to collect funds sufficient to bring the loan current or recover the entire outstanding principal and accrued interest balance. 

The following table summarizes the credit risk profile of the Bancorp’s residential mortgage and consumer portfolio segments, by class, as of December 31, 2010: 

<img src='content_image/245791.jpg'>

(a) Excludes $46 of loans measured at fair value. 

## Age Analysis of Past Due Loans and Leases 

The following table summarizes the Bancorp’s recorded investment in portfolio loans and leases by age and class as of December 31, 2010: 

<img src='content_image/245793.jpg'>

(a) Excludes $46 of loans measured at fair value. 

(b) Includes accrual and nonaccrual loans and leases. 

## Impaired Loans and Leases 

Larger commercial loans included within aggregate borrower relationship balances exceeding $1 million that exhibit probable or observed credit weaknesses are subject to individual review. The Bancorp also performs an individual review on loans that are restructured in a troubled debt restructuring. The Bancorp considers the current value of collateral, credit quality of any 

guarantees, the loan structure, and other factors when evaluating whether an individual loan is impaired. Other factors may include the geography and industry of the borrower, size and financial condition of the borrower, cash flow and leverage of the borrower, and the Bancorp’s evaluation of the borrower’s management. 

