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Loans And Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]    
allowance for loan losses by impairment [Table Text Block]
September 30, 2019
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses:
Individually evaluated for impairment$10  $1  $3  $14  
Collectively evaluated for impairment338  108  50  496  
Total$348  $109  $53  $510  
Outstanding loan balances:
Individually evaluated for impairment$159  $45  $64  $268  
Collectively evaluated for impairment25,128  11,771  11,668  48,567  
Total$25,287  $11,816  $11,732  $48,835  
December 31, 2018
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses:
Individually evaluated for impairment$6  $1  $2  $9  
Collectively evaluated for impairment325  109  52  486  
Total$331  $110  $54  $495  
Outstanding loan balances:
Individually evaluated for impairment$164  $55  $72  $291  
Collectively evaluated for impairment23,998  11,070  11,355  46,423  
Total$24,162  $11,125  $11,427  $46,714  
  
Summary Of Major Portfolio Segment And Specific Loan Class
(In millions)September 30,
2019		December 31,
2018
Loans held for sale$141  $93  
Commercial:
Commercial and industrial$14,846  $14,513  
Leasing332  327  
Owner-occupied7,924  7,661  
Municipal2,185  1,661  
Total commercial25,287  24,162  
Commercial real estate:
Construction and land development2,347  2,186  
Term9,469  8,939  
Total commercial real estate11,816  11,125  
Consumer:
Home equity credit line2,930  2,937  
1-4 family residential7,506  7,176  
Construction and other consumer real estate637  643  
Bankcard and other revolving plans494  491  
Other165  180  
Total consumer11,732  11,427  
Total loans 1
$48,835  $46,714  
  
Summary Of Changes in The Allowance For Credit Losses
Three Months Ended September 30, 2019
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of period$338  $114  $51  $503  
Provision for loan losses9  (6) 5  8  
Deductions:
Gross loan and lease charge-offs6  —  5  11  
Recoveries7  1  2  10  
Net loan and lease charge-offs (recoveries)(1) (1) 3  1  
Balance at end of period$348  $109  $53  $510  
Reserve for unfunded lending commitments
Balance at beginning of period$41  $19  $—  $60  
Provision for unfunded lending commitments—  2  —  2  
Balance at end of period$41  $21  $—  $62  
Total allowance for credit losses at end of period
Allowance for loan losses$348  $109  $53  $510  
Reserve for unfunded lending commitments41  21  —  62  
Total allowance for credit losses$389  $130  $53  $572  
Nine Months Ended September 30, 2019
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of period$331  $110  $54  $495  
Provision for loan losses31  (4) 3  30  
Deductions:
Gross loan and lease charge-offs33  1  12  46  
Recoveries19  4  8  31  
Net loan and lease charge-offs (recoveries)14  (3) 4  15  
Balance at end of period$348  $109  $53  $510  
Reserve for unfunded lending commitments
Balance at beginning of period$40  $17  $—  $57  
Provision for unfunded lending commitments1  4  —  5  
Balance at end of period$41  $21  $—  $62  
Total allowance for credit losses at end of period
Allowance for loan losses$348  $109  $53  $510  
Reserve for unfunded lending commitments41  21  —  62  
Total allowance for credit losses$389  $130  $53  $572  

Three Months Ended September 30, 2018
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of period$321  $122  $47  $490  
Provision for loan losses(11) (5) 5  (11) 
Gross loan and lease charge-offs8  5  4  17  
Recoveries12  3  3  18  
Net loan and lease charge-offs (recoveries)(4) 2  1  (1) 
Balance at end of period$314  $115  $51  $480  
Reserve for unfunded lending commitments
Balance at beginning of period$43  $15  $—  $58  
Provision for unfunded lending commitments(1) 1  —  —  
Balance at end of period$42  $16  $—  $58  
Total allowance for credit losses at end of period
Allowance for loan losses$314  $115  $51  $480  
Reserve for unfunded lending commitments42  16  —  58  
Total allowance for credit losses$356  $131  $51  $538  
Nine Months Ended September 30, 2018
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of period$371  $103  $44  $518  
Provision for loan losses(69) 9  14  (46) 
Gross loan and lease charge-offs38  5  13  56  
Recoveries50  8  6  64  
Net loan and lease charge-offs (recoveries)(12) (3) 7  (8) 
Balance at end of period$314  $115  $51  $480  
Reserve for unfunded lending commitments
Balance at beginning of period$48  $10  $—  $58  
Provision for unfunded lending commitments(6) 6  —  —  
Balance at end of period$42  $16  $—  $58  
Total allowance for credit losses at end of period
Allowance for loan losses$314  $115  $51  $480  
Reserve for unfunded lending commitments42  16  —  58  
Total allowance for credit losses$356  $131  $51  $538  
  
Summary Of Nonaccrual Loans
(In millions)September 30,
2019		December 31,
2018
Loans held for sale$—  $6  
Commercial:
Commercial and industrial$97  $82  
Leasing1  2  
Owner-occupied49  67  
Municipal—  1  
Total commercial147  152  
Commercial real estate:
Term29  38  
Total commercial real estate29  38  
Consumer:
Home equity credit line12  13  
1-4 family residential44  42  
Construction and other consumer real estate1  —  
Bankcard and other revolving plans—  1  
Total consumer loans57  56  
Total$233  $246  
  
Summary Of Past Due Loans (Accruing And Nonaccruing)
September 30, 2019
(In millions)Current30-89 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$141  $—  $—  $—  $141  $—  $—  
Commercial:
Commercial and industrial$14,766  $44  $36  $80  $14,846  $5  $53  
Leasing331  1  —  1  332  —  —  
Owner-occupied7,875  33  16  49  7,924  —  29  
Municipal2,185  —  —  —  2,185  —  —  
Total commercial25,157  78  52  130  25,287  5  82  
Commercial real estate:
Construction and land development
2,346  1  —  1  2,347  —  —  
Term9,456  7  6  13  9,469  —  23  
Total commercial real estate11,802  8  6  14  11,816  —  23  
Consumer:
Home equity credit line2,921  6  3  9  2,930  —  6  
1-4 family residential7,467  13  26  39  7,506  —  13  
Construction and other consumer real estate
637  —  —  —  637  —  1  
Bankcard and other revolving plans
490  3  1  4  494  1  —  
Other164  1  —  1  165  —  —  
Total consumer loans11,679  23  30  53  11,732  1  20  
Total$48,638  $109  $88  $197  $48,835  $6  $125  
December 31, 2018
(In millions)Current30-89 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$89  $—  $4  $4  $93  $—  $2  
Commercial:
Commercial and industrial$14,445  $37  $31  $68  $14,513  $4  $46  
Leasing325  1  1  2  327  —  1  
Owner-occupied7,621  23  17  40  7,661  3  48  
Municipal1,661  —  —  —  1,661  —  1  
Total commercial24,052  61  49  110  24,162  7  96  
Commercial real estate:
Construction and land development
2,185  1  —  1  2,186  —  —  
Term8,924  4  11  15  8,939  1  26  
Total commercial real estate11,109  5  11  16  11,125  1  26  
Consumer:
Home equity credit line2,927  4  6  10  2,937  —  4  
1-4 family residential7,143  15  18  33  7,176  —  19  
Construction and other consumer real estate
642  1  —  1  643  —  —  
Bankcard and other revolving plans
487  2  2  4  491  2  —  
Other179  1  —  1  180  —  —  
Total consumer loans11,378  23  26  49  11,427  2  23  
Total$46,539  $89  $86  $175  $46,714  $10  $145  
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
September 30, 2019
(In millions)PassSpecial
Mention		Sub-
standard		DoubtfulTotal
loans		Total
allowance
Commercial:
Commercial and industrial$14,054  $351  $441  $—  $14,846  
Leasing312  18  2  —  332  
Owner-occupied7,627  85  212  —  7,924  
Municipal2,159  22  4  —  2,185  
Total commercial24,152  476  659  —  25,287  $348  
Commercial real estate:
Construction and land development2,313  32  2  —  2,347  
Term9,353  48  66  2  9,469  
Total commercial real estate11,666  80  68  2  11,816  109  
Consumer:
Home equity credit line2,914  —  16  —  2,930  
1-4 family residential7,457  —  49  —  7,506  
Construction and other consumer real estate
635  —  2  —  637  
Bankcard and other revolving plans491  —  3  —  494  
Other165  —  —  —  165  
Total consumer loans11,662  —  70  —  11,732  53  
Total$47,480  $556  $797  $2  $48,835  $510  

December 31, 2018
(In millions)PassSpecial
Mention		Sub-
standard		DoubtfulTotal
loans		Total
allowance
Commercial:
Commercial and industrial$13,891  $322  $300  $—  $14,513  
Leasing313  10  4  —  327  
Owner-occupied7,369  72  220  —  7,661  
Municipal1,632  2  27  —  1,661  
Total commercial23,205  406  551  —  24,162  $331  
Commercial real estate:
Construction and land development2,174  11  1  —  2,186  
Term8,853  10  76  —  8,939  
Total commercial real estate11,027  21  77  —  11,125  110  
Consumer:
Home equity credit line2,920  —  17  —  2,937  
1-4 family residential7,129  —  47  —  7,176  
Construction and other consumer real estate
641  —  2  —  643  
Bankcard and other revolving plans488  —  3  —  491  
Other179  —  1  —  180  
Total consumer loans11,357  —  70  —  11,427  54  
Total$45,589  $427  $698  $—  $46,714  $495  
  
Summary Of Information On Impaired Loans
September 30, 2019
(In millions)Unpaid
principal
balance		Recorded investmentTotal
recorded
investment		Related
allowance
with no
allowance		with
allowance
Commercial:
Commercial and industrial$132  $36  $68  $104  $9  
Owner-occupied44  25  16  41  1  
Municipal—  —  —  —  —  
Total commercial176  61  84  145  10  
Commercial real estate:
Construction and land development—  —  —  —  —  
Term35  26  5  31  —  
Total commercial real estate35  26  5  31  —  
Consumer:
Home equity credit line15  11  3  14  1  
1-4 family residential58  27  23  50  2  
Construction and other consumer real estate
1  —  —  —  —  
Total consumer loans74  38  26  64  3  
Total$285  $125  $115  $240  $13  

December 31, 2018
(In millions)Unpaid
principal
balance		Recorded investmentTotal
recorded
investment		Related
allowance
with no
allowance		with
allowance
Commercial:
Commercial and industrial$112  $52  $36  $88  $4  
Owner-occupied67  31  29  60  2  
Municipal1  1  —  1  —  
Total commercial180  84  65  149  6  
Commercial real estate:
Construction and land development1  —  —  —  —  
Term44  37  3  40  —  
Total commercial real estate45  37  3  40  —  
Consumer:
Home equity credit line15  12  2  14  —  
1-4 family residential69  32  25  57  2  
Construction and other consumer real estate
1  1  —  1  —  
Total consumer loans85  45  27  72  2  
Total$310  $166  $95  $261  $8  
Three Months Ended
September 30, 2019		Nine Months Ended
September 30, 2019 		 
(In millions)Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
income
recognized
Commercial:
Commercial and industrial$112  $—  $90  $2  
Owner-occupied58  —  56  —  
Municipal—  —  —  —  
Total commercial170  —  146  2  
Commercial real estate:
Construction and land development—  —  —  —  
Term27  —  29  —  
Total commercial real estate27  —  29  —  
Consumer:
Home equity credit line14  —  13  —  
1-4 family residential53  —  52  —  
Construction and other consumer real estate2  —  2  —  
Total consumer loans69  —  67  —  
Total$266  $—  $242  $2  

Three Months Ended
September 30, 2018		Nine Months Ended
September 30, 2018 		 
(In millions)Average
recorded
investment		Interest
income
recognized		Average
recorded
investment		Interest
income
recognized
Commercial:
Commercial and industrial$124  $—  $108  $—  
Owner-occupied51  —  46  8  
Municipal1  —  1  —  
Total commercial176  —  155  8  
Commercial real estate:
Construction and land development1  —  1  —  
Term49  —  50  1  
Total commercial real estate50  —  51  1  
Consumer:
Home equity credit line14  —  13  —  
1-4 family residential58  —  53  —  
Construction and other consumer real estate1  —  1  —  
Total consumer loans73  —  67  —  
Total$299  $—  $273  $9  
  
Financing Receivable, Troubled Debt Restructuring [Table Text Block]
September 30, 2019
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$2  $2  $—  $—  $11  $7  $22  
Owner-occupied4  2  —  —  4  7  17  
Total commercial6  4  —  —  15  14  39  
Commercial real estate:
Term—  2  —  1  —  4  7  
Total commercial real estate—  2  —  1  —  4  7  
Consumer:
Home equity credit line—  2  8  —  —  2  12  
1-4 family residential1  1  5  —  1  24  32  
Construction and other consumer real estate
—  —  —  —  —  —  —  
Total consumer loans1  3  13  —  1  26  44  
Total accruing7  9  13  1  16  44  90  
Nonaccruing
Commercial:
Commercial and industrial—  5  —  22  —  25  52  
Owner-occupied6  1  —  —  1  4  12  
Municipal—  —  —  —  —  —  —  
Total commercial6  6  —  22  1  29  64  
Commercial real estate:
Term1  —  —  —  4  13  18  
Total commercial real estate1  —  —  —  4  13  18  
Consumer:
Home equity credit line—  —  2  —  —  —  2  
1-4 family residential—  —  1  —  1  6  8  
Total consumer loans—  —  3  —  1  6  10  
Total nonaccruing7  6  3  22  6  48  92  
Total$14  $15  $16  $23  $22  $92  $182  
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.
December 31, 2018
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$2  $4  $—  $—  $15  $7  $28  
Owner-occupied3  2  —  —  2  14  21  
Total commercial5  6  —  —  17  21  49  
Commercial real estate:
Term2  2  —  1  —  6  11  
Total commercial real estate2  2  —  1  —  6  11  
Consumer:
Home equity credit line—  1  8  —  —  3  12  
1-4 family residential1  2  6  1  1  28  39  
Construction and other consumer real estate
—  —  —  —  —  1  1  
Total consumer loans1  3  14  1  1  32  52  
Total accruing8  11  14  2  18  59  112  
Nonaccruing
Commercial:
Commercial and industrial1  6  —  1  10  27  45  
Owner-occupied6  —  —  1  2  5  14  
Municipal—  —  —  —  —  1  1  
Total commercial7  6  —  2  12  33  60  
Commercial real estate:
Term3  —  —  2  14  1  20  
Total commercial real estate3  —  —  2  14  1  20  
Consumer:
Home equity credit line—  —  1  —  —  —  1  
1-4 family residential—  —  1  —  1  7  9  
Total consumer loans—  —  2  —  1  7  10  
Total nonaccruing10  6  2  4  27  41  90  
Total$18  $17  $16  $6  $45  $100  $202  
1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.
2 Includes TDRs that resulted from a combination of any of the previous modification types.
Three Months Ended
September 30, 2019		Nine Months Ended
September 30, 2019 		 
(In millions)AccruingNonaccruingTotalAccruingNonaccruingTotal
Commercial:
Commercial and industrial$—  $1  $1  $—  $2  $2  
Owner-occupied—  —  —  —  1  1  
Total commercial—  1  1  —  3  3  
Commercial real estate:
Term—  —  —  —  —  —  
Total commercial real estate—  —  —  —  —  —  
Total$—  $1  $1  $—  $3  $3  

Three Months Ended
September 30, 2018		Nine Months Ended
September 30, 2018 		 
(In millions)AccruingNonaccruingTotalAccruingNonaccruingTotal
Commercial:
Commercial and industrial$—  $1  $1  $—  $5  $5  
Owner-occupied—  —  —  —  1  1  
Total commercial—  1  1  —  6  6  
Commercial real estate:
Term2  —  2  2  —  2  
Total commercial real estate2  —  2  2  —  2  
Total$2  $1  $3  $2  $6  $8  
Note: Total loans modified as TDRs during the 12 months previous to September 30, 2019 and 2018 were $73 million and $99 million, respectively.