Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 1,229	$ 1,390
Interest-bearing deposits with banks	2,888	3,171
Other short-term investments	146	134
Investment securities available-for-sale	12,429	12,045
Commercial loans	32,890	31,976
Real estate construction loans	3,377	3,077
Commercial mortgage loans	9,234	9,106
Lease financing	578	507
International loans	1,055	1,013
Residential mortgage loans	1,906	1,970
Consumer loans	2,451	2,514
Total loans	51,491	50,163
Less allowance for loan losses	(652)	(671)
Net loans	50,839	49,492
Premises and equipment	467	475
Accrued income and other assets	4,850	4,111
Total assets	72,848	70,818
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	27,134	28,690
Money market and interest-bearing checking deposits	23,992	22,560
Savings deposits	2,156	2,172
Customer certificates of deposit	2,853	2,131
Other time deposits	647	0
Foreign office time deposits	27	8
Total interest-bearing deposits	29,675	26,871
Total deposits	56,809	55,561
Short-term borrowings	51	44
Accrued expenses and other liabilities	1,477	1,243
Medium- and long-term debt	7,311	6,463
Total liabilities	65,648	63,311
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,172	2,148
Accumulated other comprehensive loss	(336)	(609)
Retained earnings	9,369	8,781
Less cost of common stock in treasury - 78,367,534 shares at 6/30/19 and 68,081,176 shares at 12/31/18	(5,146)	(3,954)
Total shareholders' equity	7,200	7,507
Total liabilities and shareholders' equity	$ 72,848	$ 70,818