Loans And Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2017

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

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



	Three Months Ended June 30, 2017						Six Months Ended June 30, 2017
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing			Total
Commercial:
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	1,291	$	—
Owner-occupied	—		3		3		—		3		5,405	3
Total commercial	—		3		3		—		3			3
Total	$	—	$	3	$	3	$	—	$	3		$	3



	Three Months Ended June 30, 2016						Six Months Ended June 30, 2016
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	15	$	15	$	—	$	17	$	17
Owner-occupied	—		4		4		—		4		4
Total commercial	—		19		19		—		21		21
Total	$	—	$	19	$	19	$	—	$	21	$	21

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2017 and 2016 were $123 million and $162 million, respectively.

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:

	June 30, 2017
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	40	$	1	$	5	$	46
Collectively evaluated for impairment	353		115		30		498
Purchased loans with evidence of credit deterioration	—		—		—		—
Total	$	393	$	116	$	35	$	544
Outstanding loan balances:
Individually evaluated for impairment	$	411	$	75	$	77	$	563
Collectively evaluated for impairment	21,765		11,113		10,199		43,077
Purchased loans with evidence of credit deterioration	27		10		6		43
Total	$	22,203	$	11,198	$	10,282	$	43,683



	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)	June 30, 2017		December 31, 2016

Loans held for sale	$	53	$	172
Commercial:
Commercial and industrial	$	13,850	$	13,452
Leasing	387		423
Owner-occupied	7,095		6,962
Municipal	871		778
Total commercial	22,203		21,615
Commercial real estate:
Construction and land development	2,186		2,019
Term	9,012		9,322
Total commercial real estate	11,198		11,341
Consumer:
Home equity credit line	2,697		2,645
1-4 family residential	6,359		5,891
Construction and other consumer real estate	560		486
Bankcard and other revolving plans	478		481
Other	188		190
Total consumer	10,282		9,693
Total loans	$	43,683	$	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 June 30, 2017
(In millions)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	397		$	114		$	33		$	544
Additions:
Provision for loan losses	9			(5		)	3			7
Deductions:
Gross loan and lease charge-offs	(31		)	(1		)	(3		)	(35		)
Recoveries	18			8			2			28
Net loan and lease (charge-offs) recoveries	(13		)	7			(1		)	(7		)
Balance at end of period	$	393		$	116		$	35		$	544
Reserve for unfunded lending commitments
Balance at beginning of period	$	51		$	9		$	—		$	60
Provision charged to earnings	3			—			—			3
Balance at end of period	$	54		$	9		$	—		$	63
Total allowance for credit losses at end of period
Allowance for loan losses	$	393		$	116		$	35		$	544
Reserve for unfunded lending commitments	54			9			—			63
Total allowance for credit losses	$	447		$	125		$	35		$	607



	Six Months Ended June 30, 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	32			(9		)	7			30
Deductions:
Gross loan and lease charge-offs	(82		)	(2		)	(8		)	(92		)
Recoveries	23			11			5			39
Net loan and lease (charge-offs) recoveries	(59		)	9			(3		)	(53		)
Balance at end of period	$	393		$	116		$	35		$	544
Reserve for unfunded lending commitments
Balance at beginning of period	$	54		$	11		$	—		$	65
Provision credited to earnings	—			(2		)	—			(2		)
Balance at end of period	$	54		$	9		$	—		$	63
Total allowance for credit losses at end of period
Allowance for loan losses	$	393		$	116		$	35		$	544
Reserve for unfunded lending commitments	54			9			—			63
Total allowance for credit losses	$	447		$	125		$	35		$	607



	Three Months Ended June 30, 2016
(In millions)	Commercial			Commercial real estate			Consumer			Total
Allowance for loan losses
Balance at beginning of period	$	464		$	118		$	30		$	612
Additions:
Provision for loan losses	25			10			—			35
Deductions:
Gross loan and lease charge-offs	(47		)	(8		)	(3		)	(58		)
Recoveries	14			2			3			19
Net loan and lease charge-offs	(33		)	(6		)	—			(39		)
Balance at end of period	$	456		$	122		$	30		$	608
Reserve for unfunded lending commitments
Balance at beginning of period	$	56		$	13		$	—		$	69
Provision credited to earnings	(2		)	(2		)	—			(4		)
Balance at end of period	$	54		$	11		$	—		$	65
Total allowance for credit losses at end of period
Allowance for loan losses	$	456		$	122		$	30		$	608
Reserve for unfunded lending commitments	54			11			—			65
Total allowance for credit losses	$	510		$	133		$	30		$	673



	Six Months Ended June 30, 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	71			12			(6		)	77
Deductions:
Gross loan and lease charge-offs	(90		)	(9		)	(7		)	(106		)
Recoveries	21			5			5			31
Net loan and lease charge-offs	(69		)	(4		)	(2		)	(75		)
Balance at end of period	$	456		$	122		$	30		$	608
Reserve for unfunded lending commitments
Balance at beginning of period	$	58		$	16		$	1		$	75
Provision credited to earnings	(4		)	(5		)	(1		)	(10		)
Balance at end of period	$	54		$	11		$	—		$	65
Total allowance for credit losses at end of period
Allowance for loan losses	$	456		$	122		$	30		$	608
Reserve for unfunded lending commitments	54			11			—			65
Total allowance for credit losses	$	510		$	133		$	30		$	673

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

	June 30, 2017
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	40	$	1	$	5	$	46
Collectively evaluated for impairment	353		115		30		498
Purchased loans with evidence of credit deterioration	—		—		—		—
Total	$	393	$	116	$	35	$	544
Outstanding loan balances:
Individually evaluated for impairment	$	411	$	75	$	77	$	563
Collectively evaluated for impairment	21,765		11,113		10,199		43,077
Purchased loans with evidence of credit deterioration	27		10		6		43
Total	$	22,203	$	11,198	$	10,282	$	43,683

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:

(In millions)	June 30, 2017		December 31, 2016

Loans held for sale	$	12	$	40
Commercial:
Commercial and industrial	$	278	$	354
Leasing	10		14
Owner-occupied	86		74
Municipal	1		1
Total commercial	375		443
Commercial real estate:
Construction and land development	6		7
Term	37		29
Total commercial real estate	43		36
Consumer:
Home equity credit line	11		11
1-4 family residential	43		36
Construction and other consumer real estate	1		2
Bankcard and other revolving plans	—		1
Other	1		—
Total consumer loans	56		50
Total	$	474	$	529

Summary Of Past Due Loans (Accruing And Nonaccruing)

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

	June 30, 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	$	50	$	—	$	3	$	3	$	53	$	—	$	9
Commercial:
Commercial and industrial	$	13,735	$	54	$	61	$	115	$	13,850	$	10	$	216
Leasing	387		—		—		—		387		—		10
Owner-occupied	7,035		26		34		60		7,095		3		52
Municipal	871		—		—		—		871		—		1
Total commercial	22,028		80		95		175		22,203		13		279
Commercial real estate:
Construction and land development	2,175		6		5		11		2,186		—		1
Term	8,990		12		10		22		9,012		3		24
Total commercial real estate	11,165		18		15		33		11,198		3		25
Consumer:
Home equity credit line	2,684		6		7		13		2,697		2		4
1-4 family residential	6,328		10		21		31		6,359		—		17
Construction and other consumer real estate	553		6		1		7		560		—		—
Bankcard and other revolving plans	473		3		2		5		478		1		—
Other	187		1		—		1		188		—		—
Total consumer loans	10,225		26		31		57		10,282		3		21
Total	$	43,418	$	124	$	141	$	265	$	43,683	$	19	$	325



	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



	June 30, 2017
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	12,760	$	336	$	754	$	—	$	13,850
Leasing	364		1		22		—		387
Owner-occupied	6,715		113		267		—		7,095
Municipal	865		—		6		—		871
Total commercial	20,704		450		1,049		—		22,203		$	393
Commercial real estate:
Construction and land development	2,101		28		57		—		2,186
Term	8,763		111		138		—		9,012
Total commercial real estate	10,864		139		195		—		11,198		116
Consumer:
Home equity credit line	2,679		—		18		—		2,697
1-4 family residential	6,309		—		50		—		6,359
Construction and other consumer real estate	559		—		1		—		560
Bankcard and other revolving plans	475		—		3		—		478
Other	187		—		1		—		188
Total consumer loans	10,209		—		73		—		10,282		35
Total	$	41,777	$	589	$	1,317	$	—	$	43,683	$	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



	June 30, 2017
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	375	$	80	$	249	$	329	$	36
Owner-occupied	121		65		40		105		4
Municipal	1		1		—		1		—
Total commercial	497		146		289		435		40
Commercial real estate:
Construction and land development	11		5		5		10		—
Term	59		38		15		53		1
Total commercial real estate	70		43		20		63		1
Consumer:
Home equity credit line	24		15		7		22		1
1-4 family residential	60		31		27		58		4
Construction and other consumer real estate	3		1		1		2		—
Other	1		1		—		1		—
Total consumer loans	88		48		35		83		5
Total	$	655	$	237	$	344	$	581	$	46



	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 June 30, 2017				Six Months Ended June 30, 2017
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	398	$	4	$	356	$	4
Owner-occupied	109		1		102		4
Municipal	1		—		1		—
Total commercial	508		5		459		8
Commercial real estate:
Construction and land development	11		—		11		—
Term	59		7		60		9
Total commercial real estate	70		7		71		9
Consumer:
Home equity credit line	21		—		21		—
1-4 family residential	58		1		56		1
Construction and other consumer real estate	2		—		3		—
Other	1		—		1		—
Total consumer loans	82		1		81		1
Total	$	660	$	13	$	611	$	18



	Three Months Ended June 30, 2016				Six Months Ended June 30, 2016
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	430	$	1	$	317	$	2
Owner-occupied	111		3		113		6
Municipal	1		—		1		—
Total commercial	542		4		431		8
Commercial real estate:
Construction and land development	12		1		12		1
Term	98		3		97		7
Total commercial real estate	110		4		109		8
Consumer:
Home equity credit line	25		—		24		1
1-4 family residential	61		1		61		1
Construction and other consumer real estate	3		—		3		—
Other	2		—		2		—
Total consumer loans	91		1		90		2
Total	$	743	$	9	$	630	$	18

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



	June 30, 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	$	12	$	—	$	1	$	11	$	43	$	68
Owner-occupied	1		—		1		1		8		13		24
Total commercial	2		12		1		2		19		56		92
Commercial real estate:
Construction and land development	—		2		—		—		—		3		5
Term	4		—		—		1		2		8		15
Total commercial real estate	4		2		—		1		2		11		20
Consumer:
Home equity credit line	—		2		10		—		—		3		15
1-4 family residential	1		—		7		1		2		27		38
Construction and other consumer real estate	—		1		—		—		—		1		2
Total consumer loans	1		3		17		1		2		31		55
Total accruing	7		17		18		4		23		98		167
Nonaccruing
Commercial:
Commercial and industrial	1		—		18		4		65		14		102
Owner-occupied	1		2		—		1		1		10		15
Municipal	—		1		—		—		—		—		1
Total commercial	2		3		18		5		66		24		118
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	2		1		—		—		1		4		8
Total commercial real estate	2		1		—		—		1		4		8
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		1		1		—		2		6		10
Construction and other consumer real estate	—		—		—		—		—		—		—
Total consumer loans	—		1		2		—		2		6		11
Total nonaccruing	4		5		20		5		69		34		137
Total	$	11	$	22	$	38	$	9	$	92	$	132	$	304

¹Includes 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.



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



(In millions)	June 30, 2017		December 31, 2016

Commercial	$	40	$	49
Commercial real estate	15		51
Consumer	7		9
Outstanding balance	$	62	$	109
Carrying amount	$	43	$	77
Less ALLL	—		1
Carrying amount, net	$	43	$	76

Schedule Of Changes In The Accretable Yield For PCI Loans



(In millions)	Three Months Ended June 30,						Six Months Ended June 30,
(In millions)	2017			2016			2017			2016

Balance at beginning of period	$	32		$	43		$	33		$	40
Accretion	(11		)	(7		)	(15		)	(13		)
Reclassification from nonaccretable difference	(3		)	1			(1		)	9
Disposals and other	3			1			4			2
Balance at end of period	$	21		$	38		$	21		$	38

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