. at that point , we continue our collection/recovery processes , which may include loan modification resulting in a loan that is classified as a tdr . see note 3 asset quality in the notes to consolidated financial statements in item 8 of this report for additional information . auto loan portfolio the auto loan portfolio totaled $ 11.2 billion as of december 31 , 2015 , or 5% ( 5 % ) of our total loan portfolio . of that total , $ 9.6 billion resides in the indirect auto portfolio , $ 1