Credit Quality and the Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 2020

Receivables [Abstract]

Summary of Transactions in the ALLL

Allowance for Loan and Lease Losses

The following tables summarize transactions in the ALLL by portfolio segment:

For the three months ended June 30, 2020 ($ in millions)	Commercial		Residential Mortgage	Consumer	Unallocated	Total
Balance, beginning of period	$	1,313	260	775	—	2,348
Losses charged-off(a)	(81)		(2)	(80)	—	(163)
Recoveries of losses previously charged-off(a)	3		1	29	—	33
Provision for loan and lease losses(b)	267		68	143	—	478
Balance, end of period	$	1,502	327	867	—	2,696

(a)The Bancorp recorded $9 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.

(b)Includes $1 in Residential Mortgage related to the initial recognition of an ALLL on PCD loans.

For the three months ended June 30, 2019 ($ in millions)	Commercial		Residential Mortgage	Consumer	Unallocated	Total
Balance, beginning of period	$	654	79	270	112	1,115
Losses charged-off(a)	(33)		(1)	(85)	—	(119)
Recoveries of losses previously charged-off(a)	10		2	29	—	41
Provision for (benefit from) loan and lease losses	20		(4)	62	—	78
Balance, end of period	$	651	76	276	112	1,115

(a)The Bancorp recorded $11 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.

For the six months ended June 30, 2020 ($ in millions)	Commercial		Residential Mortgage	Consumer	Unallocated	Total
Balance, beginning of period	$	710	73	298	121	1,202
Impact of adoption of ASU 2016-13(a)	160		196	408	(121)	643
Losses charged-off(b)	(142)		(4)	(176)	—	(322)
Recoveries of losses previously charged-off(b)	7		2	61	—	70
Provision for loan and lease losses	767		60	276	—	1,103
Balance, end of period	$	1,502	327	867	—	2,696

(a)Includes $31, $2 and $1 in Commercial, Residential Mortgage and Consumer, respectively, related to the initial recognition of an ALLL on PCD loans.

(b)The Bancorp recorded $22 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.

For the six months ended June 30, 2019 ($ in millions)	Commercial		Residential Mortgage	Consumer	Unallocated	Total
Balance, beginning of period	$	645	81	267	110	1,103
Losses charged-off(a)	(53)		(3)	(172)	—	(228)
Recoveries of losses previously charged-off(a)	13		3	56	—	72
Provision for (benefit from) loan and lease losses	46		(5)	125	2	168
Balance, end of period	$	651	76	276	112	1,115

(a)The Bancorp recorded $22 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.

Summary of the ALLL and Related Loans and Leases Classified by Portfolio Segment

The following tables provide a summary of the ALLL and related loans and leases classified by portfolio segment:

As of June 30, 2020 ($ in millions)	Commercial		Residential Mortgage	Consumer	Total
ALLL:(a)
Individually evaluated	$	167	91	50	308
Collectively evaluated	1,335		236	817	2,388
Total ALLL	$	1,502	327	867	2,696
Portfolio loans and leases:(b)
Individually evaluated	$	939	809	294	2,042
Collectively evaluated	74,082		15,336	22,846	112,264
Purchased credit deteriorated(c)	413		127	22	562
Total portfolio loans and leases	$	75,434	16,272	23,162	114,868

(a)Includes $3 related to leveraged leases at June 30, 2020.

(b)Excludes $185 of residential mortgage loans measured at fair value and includes $382 of leveraged leases, net of unearned income at June 30, 2020.

(c)Includes $82 million, as of June 30, 2020, of GNMA loans for which the Bancorp is deemed to have regained effective control over under ASC Topic 860, but did not exercise its option to repurchase. Refer to Note 16 for further information.

As of December 31, 2019 ($ in millions)	Commercial		Residential Mortgage	Consumer	Unallocated	Total
ALLL:(a)
Individually evaluated for impairment	$	82	55	33	—	170
Collectively evaluated for impairment	628		18	265	—	911
Unallocated	—		—	—	121	121
Total ALLL	$	710	73	298	121	1,202
Portfolio loans and leases:(b)
Individually evaluated for impairment	$	413	814	302	—	1,529
Collectively evaluated for impairment	69,047		15,690	22,558	—	107,295
Purchased credit impaired	498		37	16	—	551
Total portfolio loans and leases	$	69,958	16,541	22,876	—	109,375

(a)Includes $1 related to leveraged leases at December 31, 2019.

(b)Excludes $183 of residential mortgage loans measured at fair value and includes $429 of leveraged leases, net of unearned income at December 31, 2019.

Loan and Leases Balances by Credit Quality Indicator

The following table summarizes the credit risk profile of the Bancorp’s commercial portfolio segment, by class and vintage:

	Terms Loans and Leases Amortized Cost Basis by Origination Year							Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis
As of June 30, 2020 ($ in millions)	2020		2019	2018	2017	2016	Prior			Total
Commercial and industrial loans:
Pass	$	7,238	2,849	1,404	966	612	944	34,809	—	48,822
Special mention	62		155	213	72	42	21	3,300	—	3,865
Substandard	96		70	195	89	52	119	2,287	—	2,908
Doubtful	10		15	34	6	1	—	—	—	66
Total commercial and industrial loans	$	7,406	3,089	1,846	1,133	707	1,084	40,396	—	55,661
Commercial mortgage owner-occupied loans:
Pass	$	828	757	473	340	278	568	1,069	—	4,313
Special mention	27		23	24	27	13	23	38	—	175
Substandard	131		52	52	52	9	45	85	—	426
Doubtful	—		—	—	—	—	—	—	—	—
Total commercial mortgage owner-occupied loans	$	986	832	549	419	300	636	1,192	—	4,914
Commercial mortgage nonowner-occupied loans:
Pass	$	757	1,006	584	299	294	444	2,106	—	5,490
Special mention	86		4	71	17	18	39	369	—	604
Substandard	66		7	12	11	—	41	88	—	225
Doubtful	—		—	—	—	—	—	—	—	—
Total commercial mortgage nonowner-occupied loans	$	909	1,017	667	327	312	524	2,563	—	6,319
Commercial construction loans:
Pass	$	19	58	28	—	10	12	4,912	—	5,039
Special mention	40		—	—	—	—	—	337	—	377
Substandard	6		—	—	—	—	—	57	—	63
Doubtful	—		—	—	—	—	—	—	—	—
Total commercial construction loans	$	65	58	28	—	10	12	5,306	—	5,479
Commercial leases:
Pass	$	9	111	345	443	361	1,604	—	—	2,873
Special mention	—		4	32	19	16	25	—	—	96
Substandard	—		3	19	31	5	34	—	—	92
Doubtful	—		—	—	—	—	—	—	—	—
Total commercial leases	$	9	118	396	493	382	1,663	—	—	3,061
Total commercial loans and leases:
Pass	$	8,851	4,781	2,834	2,048	1,555	3,572	42,896	—	66,537
Special mention	215		186	340	135	89	108	4,044	—	5,117
Substandard	299		132	278	183	66	239	2,517	—	3,714
Doubtful	10		15	34	6	1	—	—	—	66
Total commercial loans and leases	$	9,375	5,114	3,486	2,372	1,711	3,919	49,457	—	75,434

The following table summarizes the credit risk profile of the Bancorp’s commercial portfolio segment, by class:

As of December 31, 2019 ($ in millions)	Pass		Special Mention	Substandard	Doubtful	Total
Commercial and industrial loans	$	47,671	1,423	1,406	42	50,542
Commercial mortgage owner-occupied loans	4,421		162	293	4	4,880
Commercial mortgage nonowner-occupied loans	5,866		135	82	—	6,083
Commercial construction loans	4,963		52	75	—	5,090
Commercial leases	3,222		53	88	—	3,363
Total commercial loans and leases	$	66,143	1,825	1,944	46	69,958

The following table presents a summary of the Bancorp’s residential mortgage and consumer portfolio segments, by class and vintage, disaggregated by both age and performing versus nonperforming status:

	Terms Loans Amortized Cost Basis by Origination Year							Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis
As of June 30, 2020 ($ in millions)	2020		2019	2018	2017	2016	Prior			Total
Residential mortgage loans:
Performing:
Current(a)	$	1,666	2,570	1,160	2,137	2,897	5,677	—	—	16,107
30-89 days past due	—		4	3	5	3	17	—	—	32
90 days or more past due	—		1	2	5	4	42	—	—	54
Total performing	1,666		2,575	1,165	2,147	2,904	5,736	—	—	16,193
Nonperforming	—		—	—	2	3	74	—	—	79
Total residential mortgage loans(b)	$	1,666	2,575	1,165	2,149	2,907	5,810	—	—	16,272
Home equity:
Performing:
Current	$	9	30	37	3	1	150	5,317	8	5,555
30-89 days past due	—		—	—	—	—	2	30	1	33
90 days or more past due	—		—	—	—	—	—	—	—	—
Total performing	9		30	37	3	1	152	5,347	9	5,588
Nonperforming	—		—	—	—	—	10	83	—	93
Total home equity	$	9	30	37	3	1	162	5,430	9	5,681
Indirect secured consumer loans:
Performing:
Current	$	3,328	4,673	2,160	1,173	565	392	—	—	12,291
30-89 days past due	4		25	23	14	7	6	—	—	79
90 days or more past due	1		3	3	2	1	2	—	—	12
Total performing	3,333		4,701	2,186	1,189	573	400	—	—	12,382
Nonperforming	—		3	2	3	2	3	—	—	13
Total indirect secured consumer loans	$	3,333	4,704	2,188	1,192	575	403	—	—	12,395
Credit card:
Performing:
Current	$	—	—	—	—	—	—	2,119	—	2,119
30-89 days past due	—		—	—	—	—	—	30	—	30
90 days or more past due	—		—	—	—	—	—	36	—	36
Total performing	—		—	—	—	—	—	2,185	—	2,185
Nonperforming	—		—	—	—	—	—	26	—	26
Total credit card	$	—	—	—	—	—	—	2,211	—	2,211
Other consumer loans
Performing:
Current	$	481	727	538	221	41	37	814	1	2,860
30-89 days past due	1		4	3	2	—	—	2	—	12
90 days or more past due	—		1	—	—	—	—	—	—	1
Total performing	482		732	541	223	41	37	816	1	2,873
Nonperforming	—		—	—	—	—	—	2	—	2
Total other consumer loans	$	482	732	541	223	41	37	818	1	2,875
Total consumer loans(b)	$	5,490	8,041	3,931	3,567	3,524	6,412	8,459	10	39,434

(a)Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of June 30, 2020, $89 of these loans were 30-89 days past due and $223 were 90 days or more past due. The Bancorp recognized $1 and $2 of losses during the three and six months ended June 30, 2020, respectively, due to claim denials and curtailments associated with these insured or guaranteed loans.

(b)Excludes $185 of residential mortgage loans measured at fair value at June 30, 2020.

The following table presents a summary of the Bancorp’s residential mortgage and consumer portfolio segments, by class, disaggregated into performing versus nonperforming status as of:

December 31, 2019 ($ in millions)	Performing		Nonperforming
Residential mortgage loans(a)	$	16,450	91
Home equity	5,989		94
Indirect secured consumer loans	11,531		7
Credit card	2,505		27
Other consumer loans	2,721		2
Total residential mortgage and consumer loans(a)	$	39,196	221

(a) Excludes $183 of residential mortgage loans measured at fair value at December 31, 2019.

Summary by Age and Class of the Recorded Investment in Delinquencies Included in the Bancorp's Portfolio of Loans and Leases

Age Analysis of Past Due Commercial Loans and Leases

The following tables summarize the Bancorp’s amortized cost basis in portfolio commercial loans and leases, by age and class:

	Current Loans and Leases(a)		Past Due			Total Loans and Leases	90 Days Past Due and Still Accruing
As of June 30, 2020 ($ in millions)			30-89 Days(a)	90 Days or More(a)	Total Past Due
Commercial loans and leases:
Commercial and industrial loans	$	55,377	162	122	284	55,661	10
Commercial mortgage owner-occupied loans	4,866		21	27	48	4,914	13
Commercial mortgage nonowner-occupied loans	6,229		12	78	90	6,319	10
Commercial construction loans	5,469		10	—	10	5,479	—
Commercial leases	3,037		5	19	24	3,061	—
Total portfolio commercial loans and leases	$	74,978	210	246	456	75,434	33

(a)Includes accrual and nonaccrual loans and leases.

	Current Loans and Leases(a)		Past Due			Total Loans and Leases	90 Days Past Due and Still Accruing
As of December 31, 2019 ($ in millions)			30-89 Days(a)	90 Days or More(a)	Total Past Due
Commercial loans and leases:
Commercial and industrial loans	$	50,305	133	104	237	50,542	11
Commercial mortgage owner-occupied loans	4,853		4	23	27	4,880	9
Commercial mortgage nonowner-occupied loans	6,072		5	6	11	6,083	6
Commercial construction loans	5,089		1	—	1	5,090	—
Commercial leases	3,338		11	14	25	3,363	—
Total portfolio commercial loans and leases	$	69,657	154	147	301	69,958	26

(a)Includes accrual and nonaccrual loans and leases.

Age Analysis of Past Due Consumer Loans

The following tables summarize the Bancorp’s amortized cost basis in portfolio consumer loans, by age and class:

	Current Loans and Leases(b)(c)		Past Due			Total Loans and Leases	90 Days Past Due and Still Accruing
December 31, 2019 ($ in millions)			30-89 Days(c)	90 Days or More(c)	Total Past Due
Residential mortgage loans(a)	$	16,372	27	142	169	16,541	50
Consumer loans:
Home equity	5,965		61	57	118	6,083	1
Indirect secured consumer loans	11,389		132	17	149	11,538	10
Credit card	2,434		50	48	98	2,532	42
Other consumer loans	2,702		18	3	21	2,723	1
Total portfolio consumer loans(a)	$	38,862	288	267	555	39,417	104

(a)Excludes $183 of residential mortgage loans measured at fair value at December 31, 2019.

(b)Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2019, $94 of these loans were 30-89 days past due and $261 were 90 days or more past due. The Bancorp recognized an immaterial amount of losses during both the three and six months ended June 30, 2019 due to claim denials and curtailments associated with these insured or guaranteed loans.

(c)Includes accrual and nonaccrual loans and leases.

Summary of the Amortized Cost Basis of the Bancorp's Collateral Dependent Loans

The following table presents the amortized cost basis of the Bancorp’s collateral-dependent loans, by portfolio class:

As of June 30, 2020 ($ in millions)	Amortized Cost Basis
Commercial loans and leases:
Commercial and industrial loans	$	796
Commercial mortgage owner-occupied loans	46
Commercial mortgage nonowner-occupied loans	83
Commercial construction loans	20
Commercial leases	24
Total commercial loans and leases	969
Residential mortgage loans	107
Consumer loans:
Home equity	72
Indirect secured consumer loans	8
Other consumer loans	—
Total consumer loans	80
Total loans and leases	$	1,156

Summary of the Bancorp's Nonperforming Loans and Leases by Class

The following table presents the amortized cost basis of the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property:

As of June 30, 2020 ($ in millions)					For the three months ended June 30, 2020	For the six months ended June 30, 2020
	With an ALLL		No Related ALLL	Total	Interest Income Recognized	Interest Income Recognized
Commercial loans and leases:
Commercial and industrial loans	$	261	91	352	3	4
Commercial mortgage owner-occupied loans	25		14	39	—	—
Commercial mortgage nonowner-occupied loans	68		4	72	—	—
Commercial construction loans	1		—	1	—	—
Commercial leases	21		2	23	—	1
Total nonaccrual portfolio commercial loans and leases	376		111	487	3	5
Residential mortgage loans	14		65	79	7	15
Consumer loans:
Home equity	64		29	93	2	5
Indirect secured consumer loans	5		8	13	—	—
Credit card	26		—	26	1	2
Other consumer loans	2		—	2	—	—
Total nonaccrual portfolio consumer loans	97		37	134	3	7
Total nonaccrual portfolio loans and leases(a)(b)	$	487	213	700	13	27
OREO and other repossessed property	—		47	47	—	—
Total nonperforming portfolio assets(a)(b)	$	487	260	747	13	27

(a)Excludes $1 of nonaccrual loans held for sale and $1 of nonaccrual restructured loans held for sale.

(b)Includes $23 of nonaccrual government insured commercial loans whose repayments are insured by the SBA, of which $14 are restructured nonaccrual government insured commercial loans.

The following table presents the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property as of:

($ in millions)	December 31, 2019
Commercial loans and leases:
Commercial and industrial loans	$	338
Commercial mortgage owner-occupied loans	29
Commercial mortgage nonowner-occupied loans	1
Commercial construction loans	1
Commercial leases	28
Total nonaccrual portfolio commercial loans and leases	397
Residential mortgage loans	91
Consumer loans:
Home equity	94
Indirect secured consumer loans	7
Credit card	27
Other consumer loans	2
Total nonaccrual portfolio consumer loans	130
Total nonaccrual portfolio loans and leases(a)(b)	$	618
OREO and other repossessed property	62
Total nonperforming portfolio assets(a)(b)	$	680

(a)Excludes $7 of nonaccrual loans and leases held for sale.

(b)Includes $16 of nonaccrual government insured commercial loans whose repayments are insured by the SBA, of which $11 are restructured nonaccrual government insured commercial loans.

Summary of Loans Modified in a TDR

The following tables provide a summary of loans and leases, by class, modified in a TDR by the Bancorp during the three months ended:

June 30, 2020 ($ in millions)(a)	Number of Loans Modified in a TDR During the Period(b)	Amortized Cost Basis of Loans Modified in a TDR During the Period		Increase to ALLL Upon Modification	Charge-offs Recognized Upon Modification
Commercial loans:
Commercial and industrial loans	33	$	107	14	—
Commercial mortgage owner-occupied loans	17	12		—	—
Commercial mortgage nonowner-occupied loans	9	14		—	—
Commercial construction	2	21		1	—
Residential mortgage loans	109	13		1	—
Consumer loans:
Home equity	21	2		—	—
Indirect secured consumer loans	20	—		—	—
Credit card	973	5		2	—
Total portfolio loans	1,184	$	174	18	—

(a)Excludes all loans and leases held for sale.

(b)Represents number of loans post-modification and excludes loans previously modified in a TDR.

June 30, 2019 ($ in millions)(a)	Number of Loans Modified in a TDR During the Period(b)	Recorded Investment in Loans Modified in a TDR During the Period		(Decrease) Increase to ALLL Upon Modification	Charge-offs Recognized Upon Modification
Commercial loans:
Commercial and industrial loans	25	$	62	(9)	5
Commercial mortgage owner-occupied loans	6	5		—	—
Residential mortgage loans	139	17		—	—
Consumer loans:
Home equity	16	1		—	—
Indirect secured consumer loans	9	—		—	—
Credit card	1,374	8		2	1
Total portfolio loans	1,569	$	93	(7)	6

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

(b)Represents number of loans post-modification and excludes loans previously modified in a TDR.

The following tables provide a summary of loans and leases, by class, modified in a TDR by the Bancorp during the six months ended:

June 30, 2020 ($ in millions)(a)	Number of Loans Modified in a TDR During the Period(b)	Amortized Cost Basis of Loans Modified in a TDR During the Period		Increase (Decrease) to ALLL Upon Modification	Charge-offs Recognized Upon Modification
Commercial loans:
Commercial and industrial loans	63	$	176	24	—
Commercial mortgage owner-occupied loans	28	19		—	—
Commercial mortgage nonowner-occupied loans	12	22		—	—
Commercial construction	3	21		1	—
Residential mortgage loans	293	37		1	—
Consumer loans:
Home equity	42	4		(1)	—
Indirect secured consumer loans	42	—		—	—
Credit card	2,857	15		6	—
Total portfolio loans	3,340	$	294	31	—

(a)Excludes all loans and leases held for sale.

(b)Represents number of loans post-modification and excludes loans previously modified in a TDR.

June 30, 2019 ($ in millions)(a)	Number of Loans Modified in a TDR During the Period(b)	Recorded Investment in Loans Modified in a TDR During the Period		(Decrease) Increase to ALLL Upon Modification	Charge-offs Recognized Upon Modification
Commercial loans:
Commercial and industrial loans	38	$	96	(14)	5
Commercial mortgage owner-occupied loans	9	9		—	—
Residential mortgage loans	275	35		—	—
Consumer loans:
Home equity	37	2		—	—
Indirect secured consumer loans	38	—		—	—
Credit card	2,783	16		4	2
Total portfolio loans	3,180	$	158	(10)	7

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

(b)Represents number of loans post-modification and excludes loans previously modified in a TDR.

Summary of Subsequent Defaults

The following tables provide a summary of TDRs that subsequently defaulted during the three months ended June 30, 2020 and 2019 and were within 12 months of the restructuring date:

June 30, 2020 ($ in millions)(a)	Number of Contracts	Amortized Cost
Commercial loans:
Commercial and industrial loans	6	$	4
Commercial mortgage owner-occupied loans	5	1
Commercial mortgage nonowner-occupied loans	1	4
Residential mortgage loans	25	4
Consumer loans:
Home equity	2	—
Indirect secured consumer loans	3	—
Credit card	16	—
Total portfolio loans	58	$	13

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

June 30, 2019 ($ in millions)(a)	Number of Contracts	Recorded Investment
Commercial loans:
Commercial and industrial loans	5	$	1
Commercial mortgage owner-occupied loans	2	1
Residential mortgage loans	53	8
Consumer loans:
Home equity	1	—
Credit card	253	1
Total portfolio loans	314	$	11

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

The following tables provide a summary of TDRs that subsequently defaulted during the six months ended June 30, 2020 and 2019 and were within 12 months of the restructuring date:

June 30, 2020 ($ in millions)(a)	Number of Contracts	Amortized Cost
Commercial loans:
Commercial and industrial loans	6	$	4
Commercial mortgage owner-occupied loans	7	2
Commercial mortgage nonowner-occupied loans	2	9
Residential mortgage loans	72	10
Consumer loans:
Home equity	3	—
Indirect secured consumer loans	6	—
Credit card	217	1
Total portfolio loans	313	$	26

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

June 30, 2019 ($ in millions)(a)	Number of Contracts	Recorded Investment
Commercial loans:
Commercial and industrial loans	7	$	17
Commercial mortgage owner-occupied loans	2	1
Residential mortgage loans	129	20
Consumer loans:
Home equity	5	—
Credit card	536	3
Total portfolio loans	679	$	41

(a)Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality which were accounted for within a pool.

Summary of Portfolio Loans, by Class, that Received Payment Deferrals or Forbearances

The following table provides a summary of portfolio loans and leases as of June 30, 2020, by class, that have received payment deferrals or forbearances as part of the Bancorp’s COVID-19 pandemic hardship relief programs:

	Number of Loans Enrolled in Programs(a)	Principal Balance of Loans Enrolled in Programs(b)		Balances of Accounts Enrolled in Programs that Were Past Due Prior to Pandemic
June 30, 2020 ($ in millions)				30-89 Days	90 Days or More
Commercial loans:
Commercial and industrial loans	3,240	$	1,442	1	—
Commercial mortgage owner-occupied loans	605	612		—	—
Commercial mortgage nonowner-occupied loans	187	1,021		—	—
Commercial construction loans	31	365		1	—
Commercial leases	93	111		—	—
Residential mortgage loans	7,290	1,472		55	112
Consumer loans:
Home equity	3,409	231		10	10
Indirect secured consumer loans	58,716	1,179		40	1
Credit card	35,616	164		7	2
Other consumer loans	10,174	113		3	—
Total portfolio loans and leases	119,361	$	6,710	117	125

(a)Excludes portfolio loans and leases which have been fully repaid or as of June 30, 2020 and loans and leases which were withdrawn from the programs at the borrower's request.

(b)Includes $28 of commercial loans and $12 of home equity loans that were classified as a TDR due to having financial difficulty prior to the COVID-19 pandemic.