Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2017

Accounts, Notes, Loans and Financing Receivable [Line Items]

Investment of accuring and nonaccruing troubled debt restructuring [Text Block]



	Three Months Ended March 31, 2017						Three Months Ended March 31, 2016
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	14	$	14	$	—	$	3	$	3
Owner-occupied	—		2		2		4		—		4
Total commercial	—		16		16		4		3		7
Commercial real estate:
Term	—		2		2		—		—		—
Total commercial real estate	—		2		2		—		—		—
Total	$	—	$	18	$	18	$	4	$	3	$	7

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2017 and 2016 were $129 million and $180 million, respectively.

Quantitative Information about Transferred Financial Assets that have been Derecognized and Other Financial Assets Managed Together [Table Text Block]



(In billions)	March 31, 2017		December 31, 2016

FN6.6 - Principal balance of loans transferred for which we retain servicing	$	2.0	$	2.0

allowance for loan losses by impairment [Table Text Block]

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:

	March 31, 2017
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	43	$	3	$	5	$	51
Collectively evaluated for impairment	354		111		27		492
Purchased loans with evidence of credit deterioration	—		—		1		1
Total	$	397	$	114	$	33	$	544
Outstanding loan balances:
Individually evaluated for impairment	$	490	$	82	$	73	$	645
Collectively evaluated for impairment	21,033		11,093		9,900		42,026
Purchased loans with evidence of credit deterioration	33		31		7		71
Total	$	21,556	$	11,206	$	9,980	$	42,742



	December 31, 2016
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	56	$	3	$	6	$	65
Collectively evaluated for impairment	364		113		25		502
Purchased loans with evidence of credit deterioration	—		—		—		—
Total	$	420	$	116	$	31	$	567
Outstanding loan balances:
Individually evaluated for impairment	$	466	$	78	$	75	$	619
Collectively evaluated for impairment	21,111		11,231		9,611		41,953
Purchased loans with evidence of credit deterioration	38		32		7		77
Total	$	21,615	$	11,341	$	9,693	$	42,649

Summary Of Major Portfolio Segment And Specific Loan Class



(In millions)	March 31, 2017		December 31, 2016

Loans held for sale	$	128	$	172

Commercial:
Commercial and industrial	$	13,368	$	13,452
Leasing	404		423
Owner-occupied	6,973		6,962
Municipal	811		778
Total commercial	21,556		21,615
Commercial real estate:
Construction and land development	2,123		2,019
Term	9,083		9,322
Total commercial real estate	11,206		11,341
Consumer:
Home equity credit line	2,638		2,645
1-4 family residential	6,185		5,891
Construction and other consumer real estate	517		486
Bankcard and other revolving plans	459		481
Other	181		190
Total consumer	9,980		9,693
Total loans	$	42,742	$	42,649

Summary Of Changes in The Allowance For Credit Losses

Changes in the allowance for credit losses are summarized as follows:

	Three Months Ended March 31, 2017
(In millions)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	420		$	116		$	31		$	567
Additions:
Provision for loan losses	22			(3		)	4			23
Deductions:
Gross loan and lease charge-offs	(51		)	(1		)	(5		)	(57		)
Recoveries	6			2			3			11
Net loan and lease (charge-offs) recoveries	(45		)	1			(2		)	(46		)
Balance at end of period	$	397		$	114		$	33		$	544
Reserve for unfunded lending commitments
Balance at beginning of period	$	54		$	11		$	—		$	65
Provision credited to earnings	(4		)	(1		)	—			(5		)
Balance at end of period	$	50		$	10		$	—		$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	397		$	114		$	33		$	544
Reserve for unfunded lending commitments	50			10			—			60
Total allowance for credit losses	$	447		$	124		$	33		$	604



	Three Months Ended March 31, 2016
(In millions)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	454		$	114		$	38		$	606
Additions:
Provision for loan losses	46			2			(6		)	42
Deductions:
Gross loan and lease charge-offs	(43		)	(1		)	(4		)	(48		)
Recoveries	7			3			2			12
Net loan and lease (charge-offs) recoveries	(36		)	2			(2		)	(36		)
Balance at end of period	$	464		$	118		$	30		$	612
Reserve for unfunded lending commitments
Balance at beginning of period	$	58		$	17		$	—		$	75
Provision credited to earnings	(2		)	(4		)	—			(6		)
Balance at end of period	$	56		$	13		$	—		$	69
Total allowance for credit losses at end of period
Allowance for loan losses	$	464		$	118		$	30		$	612
Reserve for unfunded lending commitments	56			13			—			69
Total allowance for credit losses	$	520		$	131		$	30		$	681

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:

	March 31, 2017
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	43	$	3	$	5	$	51
Collectively evaluated for impairment	354		111		27		492
Purchased loans with evidence of credit deterioration	—		—		1		1
Total	$	397	$	114	$	33	$	544
Outstanding loan balances:
Individually evaluated for impairment	$	490	$	82	$	73	$	645
Collectively evaluated for impairment	21,033		11,093		9,900		42,026
Purchased loans with evidence of credit deterioration	33		31		7		71
Total	$	21,556	$	11,206	$	9,980	$	42,742

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In millions)	March 31, 2017		December 31, 2016
Loans held for sale	$	34	$	40
Commercial:
Commercial and industrial	$	358	$	354
Leasing	13		14
Owner-occupied	89		74
Municipal	1		1
Total commercial	461		443
Commercial real estate:
Construction and land development	7		7
Term	38		29
Total commercial real estate	45		36
Consumer:
Home equity credit line	9		11
1-4 family residential	35		36
Construction and other consumer real estate	1		2
Bankcard and other revolving plans	—		1
Total consumer loans	45		50
Total	$	551	$	529

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:

	March 31, 2017
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current ¹
Loans held for sale	$	113	$	15	$	—	$	15	$	128	$	—	$	19
Commercial:
Commercial and industrial	$	13,176	$	94	$	98	$	192	$	13,368	$	9	$	245
Leasing	401		2		1		3		404		—		11
Owner-occupied	6,880		59		34		93		6,973		3		35
Municipal	811		—		—		—		811		—		1
Total commercial	21,268		155		133		288		21,556		12		292
Commercial real estate:
Construction and land development	2,113		3		7		10		2,123		—		—
Term	9,047		11		25		36		9,083		14		24
Total commercial real estate	11,160		14		32		46		11,206		14		24
Consumer:
Home equity credit line	2,626		7		5		12		2,638		2		4
1-4 family residential	6,156		11		18		29		6,185		—		11
Construction and other consumer real estate	509		6		2		8		517		1		—
Bankcard and other revolving plans	454		3		2		5		459		1		—
Other	180		1		—		1		181		—		—
Total consumer loans	9,925		28		27		55		9,980		4		15
Total	$	42,353	$	197	$	192	$	389	$	42,742	$	30	$	331



	December 31, 2016
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current ¹
Loans held for sale	$	172	$	—	$	—	$	—	$	172	$	—	$	40
Commercial:
Commercial and industrial	$	13,306	$	72	$	74	$	146	$	13,452	$	10	$	287
Leasing	423		—		—		—		423		—		14
Owner-occupied	6,894		40		28		68		6,962		8		43
Municipal	778		—		—		—		778		—		1
Total commercial	21,401		112		102		214		21,615		18		345
Commercial real estate:
Construction and land development	2,010		7		2		9		2,019		1		1
Term	9,291		9		22		31		9,322		12		18
Total commercial real estate	11,301		16		24		40		11,341		13		19
Consumer:
Home equity credit line	2,635		4		6		10		2,645		1		5
1-4 family residential	5,857		12		22		34		5,891		—		11
Construction and other consumer real estate	479		3		4		7		486		3		—
Bankcard and other revolving plans	478		2		1		3		481		1		1
Other	189		1		—		1		190		—		—
Total consumer loans	9,638		22		33		55		9,693		5		17
Total	$	42,340	$	150	$	159	$	309	$	42,649	$	36	$	381


¹	Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators



	March 31, 2017
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,175	$	305	$	887	$	1	$	13,368
Leasing	376		5		23		—		404
Owner-occupied	6,573		104		296		—		6,973
Municipal	805		—		6		—		811
Total commercial	19,929		414		1,212		1		21,556		$	397
Commercial real estate:
Construction and land development	2,043		23		57		—		2,123
Term	8,843		111		129		—		9,083
Total commercial real estate	10,886		134		186		—		11,206		114
Consumer:
Home equity credit line	2,620		—		18		—		2,638
1-4 family residential	6,143		—		42		—		6,185
Construction and other consumer real estate	515		—		2		—		517
Bankcard and other revolving plans	457		—		2		—		459
Other	180		—		1		—		181
Total consumer loans	9,915		—		65		—		9,980		33
Total	$	40,730	$	548	$	1,463	$	1	$	42,742	$	544



	December 31, 2016
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,185	$	266	$	998	$	3	$	13,452
Leasing	387		5		30		1		423
Owner-occupied	6,560		96		306		—		6,962
Municipal	765		7		6		—		778
Total commercial	19,897		374		1,340		4		21,615		$	420
Commercial real estate:
Construction and land development	1,942		52		25		—		2,019
Term	9,096		82		144		—		9,322
Total commercial real estate	11,038		134		169		—		11,341		116
Consumer:
Home equity credit line	2,629		—		16		—		2,645
1-4 family residential	5,851		—		40		—		5,891
Construction and other consumer real estate	482		—		4		—		486
Bankcard and other revolving plans	478		—		3		—		481
Other	189		—		1		—		190
Total consumer loans	9,629		—		64		—		9,693		31
Total	$	40,564	$	508	$	1,573	$	4	$	42,649	$	567

Summary Of Information On Impaired Loans



	March 31, 2017
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance

Commercial:
Commercial and industrial	$	460	$	122	$	285	$	407	$	40
Owner-occupied	126		55		57		112		3
Municipal	1		1		—		1		—
Total commercial	587		178		342		520		43
Commercial real estate:
Construction and land development	20		2		10		12		—
Term	98		52		25		77		2
Total commercial real estate	118		54		35		89		2
Consumer:
Home equity credit line	23		15		6		21		—
1-4 family residential	57		27		27		54		5
Construction and other consumer real estate	3		2		1		3		—
Other	2		1		—		1		—
Total consumer loans	85		45		34		79		5
Total	$	790	$	277	$	411	$	688	$	50



	December 31, 2016
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance

Commercial:
Commercial and industrial	$	470	$	82	$	311	$	393	$	52
Owner-occupied	115		71		30		101		3
Municipal	1		1		—		1		—
Total commercial	586		154		341		495		55
Commercial real estate:
Construction and land development	22		7		6		13		—
Term	92		53		17		70		2
Total commercial real estate	114		60		23		83		2
Consumer:
Home equity credit line	24		16		7		23		—
1-4 family residential	59		27		28		55		6
Construction and other consumer real estate	3		1		2		3		—
Other	2		1		—		1		—
Total consumer loans	88		45		37		82		6
Total	$	788	$	259	$	401	$	660	$	63



	Three Months Ended March 31, 2017				Three Months Ended March 31, 2016
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized

Commercial:
Commercial and industrial	$	393	$	1	$	282	$	2
Owner-occupied	101		2		122		2
Municipal	1		—		1		—
Total commercial	495		3		405		4
Commercial real estate:
Construction and land development	13		—		15		1
Term	68		2		106		3
Total commercial real estate	81		2		121		4
Consumer:
Home equity credit line	21		—		25		—
1-4 family residential	54		1		63		1
Construction and other consumer real estate	3		—		3		—
Bankcard and other revolving plans	—		—		—		—
Other	1		—		2		—
Total consumer loans	79		1		93		1
Total	$	655	$	6	$	619	$	9

Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type



	March 31, 2017
	Recorded investment resulting from the following modification types:
(In millions)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	1	$	29	$	—	$	—	$	—	$	36	$	66
Owner-occupied	1		—		1		—		8		11		21
Total commercial	2		29		1		—		8		47		87
Commercial real estate:
Construction and land development	—		3		—		—		—		2		5
Term	5		—		—		1		2		10		18
Total commercial real estate	5		3		—		1		2		12		23
Consumer:
Home equity credit line	—		2		10		—		—		3		15
1-4 family residential	1		1		7		—		2		29		40
Construction and other consumer real estate	—		1		—		—		—		1		2
Total consumer loans	1		4		17		—		2		33		57
Total accruing	8		36		18		1		12		92		167
Nonaccruing
Commercial:
Commercial and industrial	4		—		14		1		53		19		91
Owner-occupied	1		2		—		1		2		12		18
Municipal	—		1		—		—		—		—		1
Total commercial	5		3		14		2		55		31		110
Commercial real estate:
Construction and land development	—		—		—		—		2		—		2
Term	2		1		—		—		2		3		8
Total commercial real estate	2		1		—		—		4		3		10
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		1		2		—		1		5		9
Construction and other consumer real estate	—		—		—		1		—		—		1
Total consumer loans	—		1		3		1		1		5		11
Total nonaccruing	7		5		17		3		60		39		131
Total	$	15	$	41	$	35	$	4	$	72	$	131	$	298



	December 31, 2016
	Recorded investment resulting from the following modification types:
(In millions)	Interest rate below market		Maturity or term extension		Principal forgiveness		Payment deferral		Other¹		Multiple modification types²		Total
Accruing
Commercial:
Commercial and industrial	$	—	$	19	$	—	$	—	$	—	$	28	$	47
Owner-occupied	3		—		1		—		8		10		22
Total commercial	3		19		1		—		8		38		69
Commercial real estate:
Construction and land development	—		4		—		—		—		4		8
Term	4		—		—		1		2		10		17
Total commercial real estate	4		4		—		1		2		14		25
Consumer:
Home equity credit line	—		1		10		—		—		3		14
1-4 family residential	3		1		6		—		2		30		42
Construction and other consumer real estate	—		—		—		—		—		1		1
Total consumer loans	3		2		16		—		2		34		57
Total accruing	10		25		17		1		12		86		151
Nonaccruing
Commercial:
Commercial and industrial	1		—		—		1		33		25		60
Owner-occupied	—		1		—		3		1		12		17
Municipal	—		1		—		—		—		—		1
Total commercial	1		2		—		4		34		37		78
Commercial real estate:
Construction and land development	—		—		—		—		2		—		2
Term	2		1		—		—		2		3		8
Total commercial real estate	2		1		—		—		4		3		10
Consumer:
Home equity credit line	—		—		1		—		—		1		2
1-4 family residential	—		—		2		—		1		5		8
Construction and other consumer real estate	—		—		—		2		—		—		2
Total consumer loans	—		—		3		2		1		6		12
Total nonaccruing	3		3		3		6		39		46		100
Total	$	13	$	28	$	20	$	7	$	51	$	132	$	251


¹	Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.


²	Includes TDRs that resulted from a combination of any of the previous modification types.

Schedule Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans

Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans



(In millions)	March 31, 2017		December 31, 2016

Commercial	$	44	$	49
Commercial real estate	47		51
Consumer	8		9
Outstanding balance	$	99	$	109
Carrying amount	$	70	$	77
Less ALLL	1		1
Carrying amount, net	$	69	$	76

Schedule Of Changes In The Accretable Yield For PCI Loans



(In millions)	Three Months Ended March 31,
(In millions)	2017			2016

Balance at beginning of period	$	33		$	40
Accretion	(4		)	(6		)
Reclassification from nonaccretable difference	2			8
Disposals and other	1			1
Balance at end of period	$	32		$	43

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.