

	June 30		December 31
(Dollars in thousands)	2019		2018
Commercial:
Commercial, financial, and industrial	$	19,054,269	$	16,514,328
Commercial real estate	3,861,031		4,030,870
Consumer:
Consumer real estate (a)	6,110,082		6,249,516
Permanent mortgage	193,052		222,448
Credit card & other	494,376		518,370
Loans, net of unearned income	$	29,712,810	$	27,535,532
Allowance for loan losses	192,749		180,424
Total net loans	$	29,520,061	$	27,355,108

The loan portfolio is disaggregated into segments and then further disaggregated into classes for certain disclosures. GAAP defines a portfolio segment as the level at which an entity develops and documents a systematic method for determining its allowance for credit losses. A class is generally determined based on the initial measurement attribute (i.e., amortized cost or purchased credit-impaired), risk characteristics of the loan, and FHN’s method for monitoring and assessing credit risk. Commercial loan portfolio segments include commercial, financial and industrial (“C&I”) and commercial real estate ("CRE"). Commercial classes within C&I include general C&I, loans to mortgage companies, the trust preferred loans (“TRUPS”) (i.e. long-term unsecured loans to bank and insurance-related businesses) portfolio and purchased credit-impaired (“PCI”) loans. Loans to mortgage companies include commercial lines of credit to qualified mortgage companies primarily for the temporary warehousing of eligible mortgage loans prior to the borrower’s sale of those mortgage loans to third party investors. Commercial classes within CRE include income CRE, residential CRE and PCI loans. Consumer loan portfolio segments include consumer real estate, permanent mortgage, and the credit card and other portfolio. Consumer classes include home equity lines of credit (“HELOCs”), real estate (“R/E”) installment and PCI loans within the consumer real estate segment, permanent mortgage (which is both a segment and a class), and credit card and other.

FHN has a concentration of residential real estate loans (21 percent of total loans), the majority of which is in the consumer real estate segment (20 percent of total loans). Loans to finance and insurance companies total $2.7 billion (14 percent of the C&I portfolio, or 9 percent of the total loans). FHN had loans to mortgage companies totaling $3.8 billion (20 percent of the C&I segment, or 13 percent of total loans) as of June 30, 2019. As a result, 34 percent of the C&I segment is sensitive to impacts on the financial services industry.



	Three Months Ended June 30						Six Months Ended June 30
(Dollars in thousands)	2019			2018			2019			2018
Balance, beginning of period	$	13,782		$	15,323		$	13,375		$	15,623
Accretion	(1,473		)	(2,607		)	(3,146		)	(4,744		)
Adjustment for payoffs	(253		)	(1,107		)	(715		)	(1,719		)
Adjustment for charge-offs	(79		)	(373		)	(255		)	(924		)
Increase/(decrease) in accretable yield (a)	(54		)	3,481			2,664			6,659
Disposal	—			(214		)	—			(240		)
Other	(323		)	(29		)	(323		)	(181		)
Balance, end of period	$	11,600		$	14,474		$	11,600		$	14,474

At June 30, 2019, the ALLL related to PCI loans was $2.0 million compared to $4.0 million at December 31, 2018. A loan loss provision credit related to PCI loans of $1.4 million was recognized during the three months ended June 30, 2019, as compared to a loan loss provision expense of $1.8 million recognized during the three months ended June 30, 2018. A loan loss provision credit related to PCI loans of $1.8 million was recognized during the six months ended June 30, 2019, as compared to a loan loss provision expense of $2.6 million recognized during the six months ended June 30, 2018.

The following tables provide information at June 30, 2019 and December 31, 2018, by class related to individually impaired loans and consumer TDRs, regardless of accrual status. Recorded investment is defined as the amount of the investment in a loan, excluding any valuation allowance but including any direct write-down of the investment. For purposes of this disclosure, PCI loans and the TRUPS valuation allowance have been excluded.



	June 30, 2019						December 31, 2018
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	66,045	$	69,519	$	—	$	42,902	$	45,387	$	—
Loans to mortgage companies	37,256		41,216		—		—		—		—
Income CRE	1,440		1,440		—		1,589		1,589		—
Total	$	104,741	$	112,175	$	—	$	44,491	$	46,976	$	—
Consumer:
HELOC (a)	$	6,377	$	13,178	$	—	$	8,645	$	16,648	$	—
R/E installment loans (a)	5,565		6,489		—		4,314		4,796		—
Permanent mortgage (a)	2,894		4,930		—		3,601		6,003		—
Total	$	14,836	$	24,597	$	—	$	16,560	$	27,447	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	9,733	$	9,732	$	7,559	$	2,802	$	2,802	$	149
TRUPS	2,774		3,700		925		2,888		3,700		925
Income CRE	337		337		—		377		377		—
Total	$	12,844	$	13,769	$	8,484	$	6,067	$	6,879	$	1,074
Consumer:
HELOC	$	61,702	$	64,924	$	8,247	$	66,482	$	69,610	$	11,241
R/E installment loans	42,112		43,142		5,832		38,993		39,851		6,743
Permanent mortgage	63,792		74,005		8,176		67,245		78,010		9,419
Credit card & other	699		699		442		695		695		337
Total	$	168,305	$	182,770	$	22,697	$	173,415	$	188,166	$	27,740
Total commercial	$	117,585	$	125,944	$	8,484	$	50,558	$	53,855	$	1,074
Total consumer	$	183,141	$	207,367	$	22,697	$	189,975	$	215,613	$	27,740
Total impaired loans	$	300,726	$	333,311	$	31,181	$	240,533	$	269,468	$	28,814



	Three Months Ended June 30								Six Months Ended June 30
	2019				2018				2019				2018
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	67,337	$	178	$	24,825	$	183	$	61,552	$	357	$	20,389	$	358
Loans to mortgage companies	18,628		—		—		—		9,314		—		—		—
Income CRE	1,481		13		1,665		13		1,518		27		1,228		25
Residential CRE	—		—		500		—		—		—		374		—
Total	$	87,446	$	191	$	26,990	$	196	$	72,384	$	384	$	21,991	$	383
Consumer:
HELOC (a)	$	6,462	$	—	$	9,034	$	—	$	7,030	$	—	$	9,145	$	—
R/E installment loans (a)	5,738		—		3,553		—		5,425		—		3,733		—
Permanent mortgage (a)	3,172		—		4,749		—		3,348		—		4,983		—
Total	$	15,372	$	—	$	17,336	$	—	$	15,803	$	—	$	17,861	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	10,760	$	—	$	8,850	$	—	$	9,026	$	—	$	15,870	$	—
TRUPS	2,806		—		3,005		—		2,835		—		3,026		—
Income CRE	347		—		—		—		357		9		403		—
Residential CRE	—		—		—		—		—		—		199		—
Total	$	13,913	$	—	$	11,855	$	—	$	12,218	$	9	$	19,498	$	—
Consumer:
HELOC	$	62,623	$	504	$	70,789	$	578	$	63,819	$	1,026	$	71,222	$	1,155
R/E installment loans	43,031		272		40,280		251		42,251		542		41,195		518
Permanent mortgage	64,861		543		74,227		574		65,724		1,095		75,976		1,152
Credit card & other	692		4		653		3		691		9		650		6
Total	$	171,207	$	1,323	$	185,949	$	1,406	$	172,485	$	2,672	$	189,043	$	2,831
Total commercial	$	101,359	$	191	$	38,845	$	196	$	84,602	$	393	$	41,489	$	383
Total consumer	$	186,579	$	1,323	$	203,285	$	1,406	$	188,288	$	2,672	$	206,904	$	2,831
Total impaired loans	$	287,938	$	1,514	$	242,130	$	1,602	$	272,890	$	3,065	$	248,393	$	3,214

FHN employs a dual grade commercial risk grading methodology to assign an estimate for the probability of default (“PD”) and the loss given default (“LGD”) for each commercial loan using factors specific to various industry, portfolio, or product segments that result in a rank ordering of risk and the assignment of grades PD 1 to PD 16. This credit grading system is intended to identify and measure the credit quality of the loan portfolio by analyzing the migration of loans between grading categories. It is also integral to the estimation methodology utilized in determining the allowance for loan losses since an allowance is established for pools of commercial loans based on the credit grade assigned. Each PD grade corresponds to an estimated one-year default probability percentage; a PD 1 has the lowest expected default probability, and probabilities increase as grades progress down the scale. PD 1 through PD 12 are “pass” grades. PD grades 13-16 correspond to the regulatory-defined categories of special mention (13), substandard (14), doubtful (15), and loss (16). Pass loan grades are required to be reassessed annually or earlier whenever there has been a material change in the financial condition of the borrower or risk characteristics of the relationship. All commercial loans over $1 million and certain commercial loans over $500,000 that are graded 13 or worse are reassessed on a quarterly basis. Loan grading discipline is regularly reviewed internally by Credit Assurance Services to determine if the process continues to result in accurate loan grading across the portfolio. FHN may utilize availability of guarantors/sponsors to support lending decisions during the credit underwriting process and when determining the assignment of internal loan grades. LGD grades are assigned based on a scale of 1-12 and represent FHN’s expected recovery based on collateral type in the event a loan defaults. See Note 5 – Allowance for Loan Losses for further discussion on the credit grading system.



	June 30, 2019
(Dollars in thousands)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percentage of Total		Allowance for Loan Losses
PD Grade:
1	$	644,320	$	—	$	—	$	12,771	$	—	$	657,091	3	%	$	77
2	784,770		—		—		7,498		22		792,290		3		214
3	714,521		1,005,546		3,314		381,343		715		2,105,439		9		313
4	1,323,078		783,813		35,786		392,617		425		2,535,719		11		891
5	2,039,017		625,650		80,765		946,927		20,306		3,712,665		16		10,548
6	2,372,435		762,708		33,815		661,250		12,940		3,843,148		17		11,608
7	2,788,867		215,894		11,446		588,840		37,809		3,642,856		16		20,083
8	1,435,796		234,238		—		258,834		22,247		1,951,115		9		20,579
9	1,235,046		111,728		26,123		229,873		14,096		1,616,866		7		18,284
10	555,544		7,218		18,536		85,578		3,861		670,737		3		9,312
11	414,018		—		12,000		55,898		3,523		485,439		2		10,585
12	196,321		4,861		—		22,436		1,170		224,788		1		5,945
13	213,551		—		5,786		50,113		2,129		271,579		1		8,726
14,15,16	208,110		—		—		37,829		977		246,916		1		22,546
Collectively evaluated for impairment	14,925,394		3,751,656		227,571		3,731,807		120,220		22,756,648		99		139,711
Individually evaluated for impairment	75,778		37,256		2,774		1,777		—		117,585		1		8,484
Purchased credit-impaired loans	33,840		—		—		5,722		1,505		41,067		—		854
Total commercial loans	$	15,035,012	$	3,788,912	$	230,345	$	3,739,306	$	121,725	$	22,915,300	100	%	$	149,049



	December 31, 2018
(Dollars in thousands)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percentage of Total		Allowance for Loan Losses
PD Grade:
1	$	610,177	$	—	$	—	$	12,586	$	—	$	622,763	3	%	$	100
2	835,776		—		—		1,688		29		837,493		4		274
3	782,362		716,971		—		289,594		147		1,789,074		9		315
4	1,223,092		394,862		43,220		563,243		—		2,224,417		11		686
5	1,920,034		277,814		77,751		798,509		14,150		3,088,258		15		8,919
6	1,722,136		365,341		45,609		657,628		33,759		2,824,473		14		8,141
7	2,690,784		96,603		11,446		538,909		26,135		3,363,877		16		16,906
8	1,337,113		53,224		—		265,901		20,320		1,676,558		8		18,545
9	1,472,852		96,292		45,117		455,184		29,849		2,099,294		10		15,454
10	490,795		13,260		18,536		60,803		3,911		587,305		3		8,675
11	311,967		—		—		66,986		788		379,741		2		7,973
12	244,867		9,379		—		82,574		5,717		342,537		2		6,972
13	285,987		—		5,786		55,408		251		347,432		2		10,094
14,15,16	224,853		—		—		28,835		837		254,525		1		23,307
Collectively evaluated for impairment	14,152,795		2,023,746		247,465		3,877,848		135,893		20,437,747		100		126,361
Individually evaluated for impairment	45,704		—		2,888		1,966		—		50,558		—		1,074
Purchased credit-impaired loans	41,730		—		—		12,730		2,433		56,893		—		2,823
Total commercial loans	$	14,240,229	$	2,023,746	$	250,353	$	3,892,544	$	138,326	$	20,545,198	100	%	$	130,258

The consumer portfolio is comprised primarily of smaller-balance loans which are very similar in nature in that most are standard products and are backed by residential real estate. Because of the similarities of consumer loan-types, FHN is able to utilize the Fair Isaac Corporation (“FICO”) score, among other attributes, to assess the credit quality of consumer borrowers. FICO scores are refreshed on a quarterly basis in an attempt to reflect the recent risk profile of the borrowers. Accruing delinquency amounts are indicators of asset quality within the credit card and other consumer portfolio.



	June 30, 2019						December 31, 2018
	HELOC		R/E Installment Loans		Permanent Mortgage		HELOC		R/E Installment Loans		Permanent Mortgage
FICO score 740 or greater	62.4	%	72.7	%	49.3	%	61.4	%	71.3	%	51.8	%
FICO score 720-739	8.1		8.1		7.3		8.5		8.8		7.6
FICO score 700-719	7.6		6.1		10.7		7.6		7.0		10.6
FICO score 660-699	10.6		7.8		17.0		10.9		7.6		14.7
FICO score 620-659	5.0		2.8		7.0		5.1		2.8		6.5
FICO score less than 620 (a)	6.3		2.5		8.7		6.5		2.5		8.8
Total	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%



	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I	$	14,928,462	$	5,269	$	270	$	14,934,001	$	50,152	$	999	$	16,020	$	67,171	$	15,001,172
Loans to mortgage companies	3,751,656		—		—		3,751,656		37,256		—		—		37,256		3,788,912
TRUPS (a)	227,571		—		—		227,571		—		—		2,774		2,774		230,345
Purchased credit-impaired loans	30,331		1,701		1,808		33,840		—		—		—		—		33,840
Total commercial (C&I)	18,938,020		6,970		2,078		18,947,068		87,408		999		18,794		107,201		19,054,269
Commercial real estate:
Income CRE	3,728,428		2,556		—		3,730,984		—		—		2,600		2,600		3,733,584
Residential CRE	120,220		—		—		120,220		—		—		—		—		120,220
Purchased credit-impaired loans	7,113		49		65		7,227		—		—		—		—		7,227
Total commercial real estate	3,855,761		2,605		65		3,858,431		—		—		2,600		2,600		3,861,031
Consumer real estate:
HELOC	1,322,636		9,644		7,356		1,339,636		45,734		4,266		6,729		56,729		1,396,365
R/E installment loans	4,652,939		7,554		6,702		4,667,195		13,349		2,596		3,748		19,693		4,686,888
Purchased credit-impaired loans	20,493		2,362		3,974		26,829		—		—		—		—		26,829
Total consumer real estate	5,996,068		19,560		18,032		6,033,660		59,083		6,862		10,477		76,422		6,110,082
Permanent mortgage	170,849		2,691		1,604		175,144		10,199		82		7,627		17,908		193,052
Credit card & other:
Credit card	198,767		1,509		868		201,144		—		—		—		—		201,144
Other	289,376		2,233		266		291,875		101		112		241		454		292,329
Purchased credit-impaired loans	523		309		71		903		—		—		—		—		903
Total credit card & other	488,666		4,051		1,205		493,922		101		112		241		454		494,376
Total loans, net of unearned income	$	29,449,364	$	35,877	$	22,984	$	29,508,225	$	156,791	$	8,055	$	39,739	$	204,585	$	29,712,810



	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90+ Days Past Due		Total Accruing		Current		30-89 Days Past Due		90+ Days Past Due		Total Non- Accruing		Total Loans
Commercial (C&I):
General C&I	$	14,153,275	$	8,234	$	102	$	14,161,611	$	26,325	$	5,537	$	5,026	$	36,888	$	14,198,499
Loans to mortgage companies	2,023,746		—		—		2,023,746		—		—		—		—		2,023,746
TRUPS (a)	247,465		—		—		247,465		—		—		2,888		2,888		250,353
Purchased credit-impaired loans	39,433		624		1,673		41,730		—		—		—		—		41,730
Total commercial (C&I)	16,463,919		8,858		1,775		16,474,552		26,325		5,537		7,914		39,776		16,514,328
Commercial real estate:
Income CRE	3,876,229		626		—		3,876,855		30		—		2,929		2,959		3,879,814
Residential CRE	135,861		—		—		135,861		32		—		—		32		135,893
Purchased credit-impaired loans	13,308		103		1,752		15,163		—		—		—		—		15,163
Total commercial real estate	4,025,398		729		1,752		4,027,879		62		—		2,929		2,991		4,030,870
Consumer real estate:
HELOC	1,443,651		11,653		10,129		1,465,433		49,009		3,314		8,781		61,104		1,526,537
R/E installment loans	4,652,658		10,470		6,497		4,669,625		15,146		1,924		4,474		21,544		4,691,169
Purchased credit-impaired loans	24,096		2,094		5,620		31,810		—		—		—		—		31,810
Total consumer real estate	6,120,405		24,217		22,246		6,166,868		64,155		5,238		13,255		82,648		6,249,516
Permanent mortgage	193,591		2,585		4,562		200,738		11,227		996		9,487		21,710		222,448
Credit card & other:
Credit card	188,009		2,133		1,203		191,345		—		—		—		—		191,345
Other	320,551		3,570		526		324,647		110		60		454		624		325,271
Purchased credit-impaired loans	746		611		397		1,754		—		—		—		—		1,754
Total credit card & other	509,306		6,314		2,126		517,746		110		60		454		624		518,370
Total loans, net of unearned income	$	27,312,619	$	42,703	$	32,461	$	27,387,783	$	101,879	$	11,831	$	34,039	$	147,749	$	27,535,532

A modification is classified as a TDR if the borrower is experiencing financial difficulty and it is determined that FHN has granted a concession to the borrower. FHN may determine that a borrower is experiencing financial difficulty if the borrower is currently in default on any of its debt, or if it is probable that a borrower may default in the foreseeable future. Many aspects of a borrower’s financial situation are assessed when determining whether they are experiencing financial difficulty. Concessions could include extension of the maturity date, reductions of the interest rate (which may make the rate lower than current market for a new loan with similar risk), reduction or forgiveness of accrued interest, or principal forgiveness. The assessments of whether a borrower is experiencing (or is likely to experience) financial difficulty, and whether a concession has been granted, are subjective in nature and management’s judgment is required when determining whether a modification is classified as a TDR.

For all classes within the commercial portfolio segment, TDRs are typically modified through forbearance agreements (generally 6 to 12 months). Forbearance agreements could include reduced interest rates, reduced payments, release of guarantor, or entering into short sale agreements. FHN’s proprietary modification programs for consumer loans are generally structured using parameters of U.S. government-sponsored programs such as the former Home Affordable Modification Program (“HAMP”). Within the HELOC and R/E installment loans classes of the consumer portfolio segment, TDRs are typically modified by reducing the interest rate (in increments of 25 basis points to a minimum of 1 percent for up to 5 years) and a possible maturity date extension to reach an affordable housing debt-to-income ratio. After 5 years, the interest rate generally returns to the original interest rate prior to modification; for certain modifications, the modified interest rate increases 2 percent per year until the original interest rate prior to modification is achieved. Permanent mortgage TDRs are typically modified by reducing the interest rate (in increments of 25 basis points to a minimum of 2 percent for up to 5 years) and a possible maturity date extension to reach an affordable housing debt-to-income ratio. After 5 years, the interest rate steps up 1 percent every year until it reaches the Federal Home Loan Mortgage Corporation Weekly Survey Rate cap. Contractual maturities may be extended to 40 years on permanent mortgages and to 30 years for consumer real estate loans. Within the credit card class of the consumer portfolio segment, TDRs are typically modified through either a short-term credit card hardship program or a longer-term credit card workout program. In the credit card hardship program, borrowers may be granted rate and payment reductions for 6 months to 1 year. In the credit card workout program, customers are granted a rate reduction to 0 percent and term extensions for up to 5 years to pay off the remaining balance.

On June 30, 2019 and December 31, 2018, FHN had $232.6 million and $228.2 million of portfolio loans classified as TDRs, respectively. For TDRs in the loan portfolio, FHN had loan loss reserves of $22.7 million, or 10 percent as of June 30, 2019, and $27.7 million, or 12 percent as of December 31, 2018. Additionally, $53.6 million and $57.8 million of loans held-for-sale as of June 30, 2019 and December 31, 2018, respectively, were classified as TDRs.



	Three Months Ended June 30, 2019					Six Months Ended June 30, 2019
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	1	$	222	$	222	3	$	14,117	$	14,042
Total commercial (C&I)	1	222		222		3	14,117		14,042
Commercial real estate:
Income CRE	—	—		—		—	—		—
Total commercial real estate	—	—		—		—	—		—
Consumer real estate:
HELOC	25	3,271		3,235		44	5,375		5,319
R/E installment loans	17	1,513		1,504		61	7,490		7,438
Total consumer real estate	42	4,784		4,739		105	12,865		12,757
Permanent mortgage	2	21		19		5	1,469		1,498
Credit card & other	18	109		103		33	183		174
Total troubled debt restructurings	63	$	5,136	$	5,083	146	$	28,634	$	28,471



	Three Months Ended June 30, 2018					Six Months Ended June 30, 2018
(Dollars in thousands)	Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I	3	$	544	$	537	8	$	2,048	$	1,751
Total commercial (C&I)	3	544		537		8	2,048		1,751
Commercial real estate:
Income CRE	3	201		195		3	201		195
Total commercial real estate	3	201		195		3	201		195
Consumer real estate:
HELOC	34	3,824		3,806		64	6,584		6,539
R/E installment loans	10	772		770		15	1,383		1,382
Total consumer real estate	44	4,596		4,576		79	7,967		7,921
Permanent mortgage	4	434		440		5	709		713
Credit card & other	27	95		94		68	305		291
Total troubled debt restructurings	81	$	5,870	$	5,842	163	$	11,230	$	10,871



	Three Months Ended June 30, 2019			Six Months Ended June 30, 2019
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Commercial (C&I):
General C&I	—	$	—	—	$	—
Total commercial (C&I)	—	—		—	—
Consumer real estate:
HELOC	1	66		2	99
R/E installment loans	1	38		1	38
Total consumer real estate	2	104		3	137
Permanent mortgage	—	—		—	—
Credit card & other	7	14		15	32
Total troubled debt restructurings	9	$	118	18	$	169



	Three Months Ended June 30, 2018			Six Months Ended June 30, 2018
(Dollars in thousands)	Number	Recorded Investment		Number	Recorded Investment
Commercial (C&I):
General C&I	1	$	258	1	$	258
Total commercial (C&I)	1	258		1	258
Consumer real estate:
HELOC	2	95		4	164
R/E installment loans	1	25		1	25
Total consumer real estate	3	120		5	189
Permanent mortgage	1	293		2	405
Credit card & other	12	75		26	156
Total troubled debt restructurings	17	$	746	34	$	1,008