As of December 31, 2009 ($ in millions)  For the Year Ended December 31, 2009  By State:  Outstanding Exposure  90 Days Past Due  Nonaccrual  Net Charge-offs  Ohio  $1,727 2,465 13 6  43 Michigan  1,091 1,417 14 61 Illinois  505 689 5 3  32 Indiana 499 691 2  13 Kentucky  471 672 4 2  12 Florida  198 248 8 3  35 All other states  523 618 9 5  37 Total  $5,014 6,800 58 27  233 As of December 31, 2010 ($ in millions)  For the Year Ended December 31, 2010  By State:  Outstanding Exposure  90 Days Past Due  Nonaccrual  Net Charge-offs  Ohio  $1,576 2,288 9 7  35 Michigan  998 1,317 9 5  50 Illinois  482 662 5 3  22 Indiana 451 638 4 2  10 Kentucky  421 614 3 2  9 Florida  172 218 8 4  21 All other states  466 568 7 28 Total  $4,566 6,305 45 27  175 As of December 31, 2009 ($ in millions)  For the Year Ended December 31, 2009  By State:  Outstanding  90 Days Past Due  Nonaccrual  Net Charge-offs  Ohio  $673 4 25  18 Michigan  350 3 13  21 Florida  388 9 50  68 North Carolina  169 5 9  8 Indiana 145 1 7  4 Kentucky  92 3  2 Illinois  62 1 6  All other states  141 2 8  5 Total  $2,020 26 121  128 As of December 31, 2010 ($ in millions)  For the Year Ended December 31, 2010  By State:  Outstanding  90 Days Past Due  Nonaccrual  Net Charge-offs  Ohio  $569 3 24  22 Michigan  294 2 20  21 Florida  294 4 31  56 North Carolina  131 1 7  12 Indiana 111 4  6 Kentucky  78 1 3  2 Illinois  67 - 1  4 All other states  122 3 5  8 Total  $1,666 15 95  131 MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 52 Fifth Third Bancorp The home equity portfolio is managed in two categories, loans  outstanding with a LTV greater than 80% and those loans with a  LTV of less than 80%. The carrying value of the greater than 80%  LTV home equity loans and less than 80% LTV home equity  loans were $4.6 billion and $6.9 billion, respectively, as of  December 31, 2010. Of the total $11.5 billion of outstanding  home equity loans, 82% reside within the Bancorp’s Midwest  footprint of Ohio, Michigan, Kentucky, Indiana and Illinois. The  portfolio has an average FICO score at loan origination of 734 at  December 31, 2010 compared to 730 at December 31, 2009. The Bancorp actively manages lines of credit and makes  reductions in lending limits when it believes it is necessary based  on FICO score deterioration and property devaluation. The  Bancorp believes that home equity loans with a greater than 80%  LTV ratio present a higher level of risk. The following tables  provide analysis of these loans as of December 31, 2010 and 2009.  Home Eq ui ty  Por t fol i o TABLE 33: HOME EQUITY LOANS OUTSTANDING WITH LTV GREATER THAN 80% TABLE 34: HOME EQUITY LOANS OUTSTANDING WITH LTV GREATER THAN 80% TABLE 32: RESIDENTIAL MORTGAGE LOANS OUTSTANDING, LTV GREATER THAN 80%, NO MORTGAGE INSURANCE TABLE 31: RESIDENTIAL MORTGAGE LOANS OUTSTANDING, LTV GREATER THAN 80%, NO MORTGAGE INSURANCE