Consolidated Balance Sheets - USD ($) $ in Millions	Jun. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 1,424	$ 1,438
Interest-bearing deposits with banks	4,236	4,407
Other short-term investments	134	96
Investment securities available-for-sale	11,915	10,938	[1]
Investment securities held-to-maturity	0	1,266
Commercial loans	31,530	31,060
Real estate construction loans	3,257	2,961
Commercial mortgage loans	9,124	9,159
Lease financing	458	468
International loans	993	983
Residential mortgage loans	1,954	1,988
Consumer loans	2,476	2,554
Total loans	49,792	49,173
Less allowance for loan losses	(677)	(712)
Net loans	49,115	48,461
Premises and equipment	467	466
Accrued income and other assets	4,696	4,495
Total assets	71,987	71,567
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	30,316	32,071
Money market and interest-bearing checking deposits	22,544	21,500
Savings deposits	2,227	2,152
Customer certificates of deposit	2,089	2,165
Foreign office time deposits	34	15
Total interest-bearing deposits	26,894	25,832
Total deposits	57,210	57,903
Short-term borrowings	58	10
Accrued expenses and other liabilities	1,057	1,069
Medium- and long-term debt	5,583	4,622
Total liabilities	63,908	63,604
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,144	2,122
Accumulated other comprehensive loss	(589)	(451)
Retained earnings	8,374	7,887
Less cost of common stock in treasury - 57,254,526 shares at 6/30/18 and 55,306,483 shares at 12/31/17	(2,991)	(2,736)
Total shareholders' equity	8,079	7,963
Total liabilities and shareholders' equity	$ 71,987	$ 71,567

[1] Included auction-rate securities at amortized cost and fair value of $51 million and $49 million, respectively, as of December 31, 2017.