NOTES TO CONSOLIDATED FINANCIAL STATEMENTS  The following table summarizes the credit risk profile of the Bancorp’s commercial portfolio segment, by class, as of December 31, 2010: 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: The following table summarizes the Bancorp’s recorded investment in portfolio loans and leases by age and class as of December 31, 2010: Larger commercial loans included within aggregate borrower  relationship balances exceeding $1 million that exhibit probable  or observed credit weaknesses are subject to individual review.  The Bancorp also performs an individual review on loans that are  restructured in a troubled debt restructuring. The Bancorp  considers the current value of collateral, credit quality of any  (b) Includes accrual and nonaccrual loans and leases.  guarantees, the loan structure, and other factors when evaluating  whether an individual loan is impaired. Other factors may include  the geography and industry of the borrower, size and financial  condition of the borrower, cash flow and leverage of the  borrower, and the Bancorp’s evaluation of the borrower’s  management.  Fifth Third Bancorp 83  Impaired Loans and Leases  Age Analysis of Past Due Loans and Leases  Credit Grade ($ in millions)  Commercial & Industrial Loans  Commercial  Mortgage Loans  Owner-Occupied  Commercial  Mortgage Loans  Nonowner-Occupied  Commercial  Construction  Commercial  Leases  Pass $23,147 4,034 3,620 1,034 3,269 Special Mention   1,406  430 647 416  60 Substandard  2,541 854 1,174 540 48 Doubtful  97 22 64 58 1 Total $27,191 5,340 5,505 2,048 3,378 ($ in millions)  Residential  Mortgage Loans (a) Home Equity Automobile  Loans  Credit  Card  Other Consumer  Loans and Leases  Performing $8,642 11,457 10,980 1,841 597 Nonperforming 268 56 3 55 84 Total $8,910 11,513 10,983 1,896 681 (a) Excludes $46 of loans measured at fair value.  Portfolio Loans and Leases ($ in millions)  30-89 Days Past Due  90 Days  and  Greater  (b) Total Past  Due  Current  Loans and  Leases  Total Loans  and Leases  90 Days Past  Due and Still  Accruing  Commercial:  Commercial and industrial loans  $201 303 504 26,687 $27,191 $16 Commercial mortgage owner-occupied   50 139 189 5,151 5,340 8 Commercial mortgage nonowner-occupied 38 215 253 5,252 5,505 3 Commercial construction   72 145 217 1,831  2,048 3 Commercial leasing  10 7 17 3,361 3,378 - Residential mortgage loans  (a)  138 368 506 8,404 8,910 100 Consumer: Home equity loans 148 145 293 11,220  11,513 89 Automobile loans  96 15 111 10,872  10,983 13 Credit card loans  35 90 125 1,771  1,896 42 Other consumer loans and leases   3 6 9 672  681 - Total portfolio loans and leases  (a)  $791 1,433 2,224 75,221 $77,445 $274 (a) Excludes $46 of loans measured at fair value. 