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Significant Group Concentrations of Credit Risk

12 Months Ended

Dec. 31, 2022

Significant Group Concentrations of Credit Risk [Abstract]

Significant Group Concentrations of Credit Risk

SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK

Concentrations of credit risk may exist when a number of borrowers are engaged in similar activities, or activities in the same geographic region, and have similar economic characteristics that would cause them to be similarly impacted by changes in economic or other conditions. Concentrations of both on-balance sheet and off-balance sheet credit risk are controlled and monitored as part of credit policies. The Corporation is a regional financial services holding company with a geographic concentration of its on-balance-sheet and off-balance-sheet activities in Michigan, California and Texas.

At December 31, 2022, the Corporation's concentration of credit risk with the commercial real estate industry, which includes a portfolio of real estate construction and commercial mortgage loans, represented 31 percent of total loans. The following table summarizes the Corporation's commercial real estate loan portfolio by loan category.

(in millions)
December 31			2022						2021
Real estate construction loans:
Commercial Real Estate business line (a)			$	2,505					$	2,391
Other business lines (b)			600						557
Total real estate construction loans			3,105						2,948
Commercial mortgage loans:
Commercial Real Estate business line (a)			4,681						3,338
Other business lines (b)			8,625						7,917
Total commercial mortgage loans			13,306						11,255
Total commercial real estate loans			$	16,411					$	14,203
Total unused commitments on commercial real estate loans			$	6,602					$	4,030

(a)Primarily loans to real estate developers.

(b)Primarily loans secured by owner-occupied real estate.

The Corporation also has a concentration of credit risk with the automotive industry, which represented 12 percent of total loans at December 31, 2022. Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows:

(in millions)
December 31			2022						2021
Automotive loans:
Production			$	1,068					$	1,112		(a)
Dealer			5,367						4,162
Total automotive loans			$	6,435					$	5,274
Total automotive exposure:
Production			$	2,028					$	2,041		(a)
Dealer			10,910						10,665
Total automotive exposure			$	12,938					$	12,706

(a)Excludes PPP loans.

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- Definition

Significant Group Concentrations of Credit Risk [Abstract]

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- Definition

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-URI https://asc.fasb.org/topic&trid=2134479

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