Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 988	$ 973
Interest-bearing deposits with banks	10,153	4,845
Other short-term investments	160	155
Investment securities available-for-sale	15,090	12,398
Commercial loans	32,604	31,473
Real estate construction loans	4,146	3,455
Commercial mortgage loans	10,002	9,559
Lease financing	601	588
International loans	923	1,009
Residential mortgage loans	1,927	1,845
Consumer loans	2,166	2,440
Total loans	52,369	50,369
Less allowance for loan losses	(978)	(637)
Net loans	51,391	49,732
Premises and equipment	456	457
Accrued income and other assets	5,393	4,842
Total assets	83,631	73,402
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	36,533	27,382
Money market and interest-bearing checking deposits	26,948	24,527
Savings deposits	2,588	2,184
Customer certificates of deposit	2,300	2,978
Other time deposits	0	133
Foreign office time deposits	90	91
Total interest-bearing deposits	31,926	29,913
Total deposits	68,459	57,295
Short-term borrowings	10	71
Accrued expenses and other liabilities	1,534	1,440
Medium- and long-term debt	5,754	7,269
Total liabilities	75,757	66,075
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 9/30/2020	394	0
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,179	2,174
Accumulated other comprehensive income (loss)	116	(235)
Retained earnings	9,511	9,538
Less cost of common stock in treasury - 89,095,470 shares at 9/30/20 and 86,069,234 shares at 12/31/19	(5,467)	(5,291)
Total shareholders' equity	7,874	7,327
Total liabilities and shareholders' equity	$ 83,631	$ 73,402