Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 1,031	$ 973
Interest-bearing deposits with banks	14,736	4,845
Other short-term investments	172	155
Investment securities available-for-sale	15,028	12,398
Commercial loans	32,753	31,473
Real estate construction loans	4,082	3,455
Commercial mortgage loans	9,912	9,559
Lease financing	594	588
International loans	926	1,009
Residential mortgage loans	1,830	1,845
Consumer loans	2,194	2,440
Total loans	52,291	50,369
Less allowance for loan losses	(948)	(637)
Net loans	51,343	49,732
Premises and equipment	459	457
Accrued income and other assets	5,360	4,842
Total assets	88,129	73,402
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	39,420	27,382
Money market and interest-bearing checking deposits	28,540	24,527
Savings deposits	2,710	2,184
Customer certificates of deposit	2,133	2,978
Other time deposits	0	133
Foreign office time deposits	66	91
Total interest-bearing deposits	33,449	29,913
Total deposits	72,869	57,295
Short-term borrowings	0	71
Accrued expenses and other liabilities	1,482	1,440
Medium- and long-term debt	5,728	7,269
Total liabilities	80,079	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 12/31/2020	394	0
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,185	2,174
Accumulated other comprehensive income (loss)	168	(235)
Retained earnings	9,623	9,538
Less cost of common stock in treasury - 88,997,430 shares at 12/31/20 and 86,069,234 shares at 12/31/19	(5,461)	(5,291)
Total shareholders' equity	8,050	7,327
Total liabilities and shareholders' equity	$ 88,129	$ 73,402
Preferred Stock, No Par Value	$ 0