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The following represents the credit quality of each class of commercial loans and leases based on our
<br />internal risk grading system as of December 31, 2011, and 2010:
<br />(dollars in thousands)
<br />December 31, 2011
<br />Special
<br />Pass Mention Classified Total
<br />Commercial and industrial $ 7,020,903 $ 279,584 $ 326,002 $ 7,626,489
<br />Commercial real estate 7,639,315 616,102 704,042 8,959,459
<br />Construction 372,167 191,092 161,809 725,068
<br />Equipment leases 2,529,157 41,864 70,104 2,641,125
<br />Agriculture 1,786,545 145,774 93,857 2,026,176
<br />Total Commercial $19,348,087 $1,274,416 $1,355,814 $21,978,317
<br />December 31, 2010
<br />Special
<br />(dollars in thousands) Pass Mention Classified Total
<br />Commercial and industrial $ 5,786,991 $ 281,852 $ 527,194 $ 6,596,037
<br />Commercial real estate 7,656,667 580,601 1,111,792 9,349,060
<br />Construction 355,832 350,765 313,017 1,019,614
<br />Equipment leases 2,190,796 99,960 73,442 2,364,198
<br />Agriculture 1,507,491 224,570 151,806 1,883,867
<br />Total Commercial $17,497,777 $1,537,748 $2,177,251 $21,212,776
<br />Consumer loans are assessed for credit quality by delinquency status and are placed into one of two
<br />categories. The first category is for borrowers who are current in their payments in accordance with their
<br />contractual terms and the second category is for borrowers who have missed one or more payments and are
<br />past due 30 days or more. The following represents the credit quality of each class of consumer loans and
<br />leases based on the delinquency status as of December 31, 2011 and 2010:
<br />Residential secured Residential secured - Installments
<br />(dollars in thousands) - closed -end revolving, open-end and lines Total
<br />December 31, 2011:
<br />Current") $7,905,241 $2,249,983 $11,014,540 $21,169,764
<br />Past Due 146,742 16,838 115,733 279,313
<br />Total $8,051,983 $2,266,821 $11,130,273 $21,449,077
<br />December 31, 2010:
<br />Current") $8,561,439 $2,258,385 $10,447,563 $21,267,387
<br />Past Due 345,430 30,400 151,727 527,557
<br />Total $8,906,869 $2,288,785 $10,599,290 $21,794,944
<br />(o Includes loans that are contractually current but on nonaccrual status.
<br />-25-
<br />2011 Bank of the West Annual Report
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