(a) For the year ended

December 31, 2019

, the Bancorp recorded

$48

in both losses

charged-off

and recoveries of losses

charged-off

related to customer defaults on

point-of-sale

consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.



			Residential
2018 ($ in millions)	Commercial		Mortgage	Consumer	Unallocated	Total

Balance, beginning of period	$	753	89	234	120	1,196
Losses charged-off (a)		(157)	(13)	(280)	-	(450)
Recoveries of losses previously charged-off (a)		25	6	89	-	120
Provision for (benefit from) loan and lease losses		24	(1)	224	(10)	237

Balance, end of period	$	645	81	267	110	1,103

(a) For the year ended December 31, 2018, the Bancorp recorded $29 in both losses

charged-off

and recoveries of losses

charged-off

related to customer defaults on

point-of-sale

consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.



			Residential
2017 ($ in millions)	Commercial		Mortgage	Consumer	Unallocated	Total

Balance, beginning of period	$	831	96	214	112	1,253
Losses charged-off		(154)	(15)	(212)	-	(381)
Recoveries of losses previously charged-off		29	8	46	-	83
Provision for loan and lease losses		66	-	186	9	261
Deconsolidation of a VIE		(19)	-	-	(1)	(20)

Balance, end of period	$	753	89	234	120	1,196

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



			Residential
As of December 31, 2019 ($ in millions)	Commercial		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 .



			Residential
As of December 31, 2018 ($ in millions)	Commercial		Mortgage		Consumer		Unallocated		Total

ALLL: (a)
Individually evaluated for impairment	$	42		61		38		-		141
Collectively evaluated for impairment		603		20		229		-		852
Unallocated		-		-		-		110		110

Total ALLL	$	645		81		267		110		1,103

Portfolio loans and leases: (b)
Individually evaluated for impairment	$	277		736		278		-		1,291
Collectively evaluated for impairment		59,294		14,589		19,912		-		93,795

Total portfolio loans and leases	$	59,571		15,325		20,190		-		95,086

(a)	Includes $1 related to leveraged leases at December 31, 2018.

(b)	Excludes $179 of residential mortgage loans measured at fair value and includes $624 of leveraged leases, net of unearned income at December 31, 2018.

CREDIT RISK PROFILE

Commercial Portfolio Segment

For purposes of analyzing historical loss rates used in the determination of the ALLL and monitoring the credit quality and risk characteristics of its commercial portfolio segment, the Bancorp disaggregates the segment into the following classes: commercial and industrial, commercial mortgage owner-occupied, commercial mortgage nonowner-occupied, commercial construction and commercial leases.

To facilitate the monitoring of credit quality within the commercial portfolio segment, and for purposes of analyzing historical loss rates used in the determination of the ALLL for the commercial portfolio segment, the Bancorp utilizes the following categories of credit grades: pass, special mention, substandard, doubtful and loss. The five categories, which are derived from standard regulatory rating definitions, are assigned upon initial approval of credit to borrowers and updated periodically thereafter.

Pass ratings, which are assigned to those borrowers that do not have identified potential or well-defined weaknesses and for which there is a high likelihood of orderly repayment, are updated at least annually based on the size and credit characteristics of the borrower. All other categories are updated on a quarterly basis during the month preceding the end of the calendar quarter.

The Bancorp assigns a special mention rating to loans and leases that have potential weaknesses that deserve management’s close attention.

If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects for the loan or lease or the Bancorp’s credit position.

The Bancorp assigns a substandard rating to loans and leases that are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged. Substandard loans and leases have well-defined weaknesses or weaknesses that could jeopardize the orderly repayment of the debt. Loans and leases in this grade also are characterized by the distinct possibility that the Bancorp will sustain some loss if the deficiencies noted are not addressed and corrected.

The Bancorp assigns a doubtful rating to loans and leases that have all the attributes of a substandard rating with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage of and strengthen the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors may include a proposed merger or acquisition, liquidation proceeding, capital injection, perfecting liens on additional collateral or refinancing plans.

Loans and leases classified as loss are considered uncollectible and are

charged-off

in the period in which they are determined to be uncollectible. Because loans and leases in this category are fully

charged-off,

they are not included in the following tables.

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



			Special
As of December 31, 2019 ($ in millions)	Pass		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



			Special
As of December 31, 2018 ($ in millions)	Pass		Mention		Substandard		Doubtful		Total

Commercial and industrial loans	$	42,695		779		853		13		44,340
Commercial mortgage owner-occupied loans		3,122		23		139		-		3,284
Commercial mortgage nonowner-occupied loans		3,632		27		31		-		3,690
Commercial construction loans		4,657		-		-		-		4,657
Commercial leases		3,475		72		53		-		3,600

Total commercial loans and leases	$	57,581		901		1,076		13		59,571

Residential Mortgage and Consumer Portfolio Segments

For purposes of monitoring the credit quality and risk characteristics of its consumer portfolio segment, the Bancorp disaggregates the segment into the following classes: home equity, indirect secured consumer loans, credit card and other consumer loans. The Bancorp’s residential mortgage portfolio segment is also a separate class.

The Bancorp considers repayment performance as the best indicator of credit quality for residential mortgage and consumer loans, which includes both the delinquency status and performing versus nonperforming status of the loans.

The delinquency status of all residential mortgage and consumer loans is presented by class in the age analysis section while the performing versus nonperforming status is presented in the following table. Refer to the nonaccrual loans and leases section of Note 1 for additional delinquency and nonperforming information.

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				2018
($ in millions)		Performing		Nonperforming		Performing		Nonperforming
Residential mortgage loans (a)	$		16,450		91		15,303		22
Home equity			5,989		94		6,332		70
Indirect secured consumer loans			11,531		7		8,975		1
Credit card			2,505		27		2,444		26
Other consumer loans			2,721		2		2,341		1
Total residential mortgage and consumer loans (a)	$		39,196		221		35,395		120

(a)	Excludes $183 and $179 of residential mortgage loans measured at fair value at December 31, 2019 and 2018, respectively.

Age Analysis of Past Due Loans and Leases

The following tables summarize the Bancorp’s recorded investment in portfolio loans and leases, by age and class:


	Current		Past Due								90 Days Past
	Loans and		30-89		90 Days		Total		Total Loans		Due and Still
As of December 31, 2019 ($ in millions)	Leases (b)(c)		Days (c)		or More (c)		Past Due		and Leases		Accruing
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		-
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 loans and leases (a)	$	108,519		442		414		856		109,375		130

(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

of losses during the year ended

December 31, 2019

due to claim denials and curtailments associated with these insured or guaranteed loans.

(c)	Includes accrual and nonaccrual loans and leases.


	Current		Past Due								90 Days Past
	Loans and		30-89		90 Days		Total		Total Loans		Due and Still
As of December 31, 2018 ($ in millions)	Leases (b)(c)		Days (c)		or More (c)		Past Due		and Leases		Accruing
Commercial loans and leases:
Commercial and industrial loans	$	44,213		32		95		127		44,340		4
Commercial mortgage owner-occupied loans		3,277		1		6		7		3,284		2
Commercial mortgage nonowner-occupied loans		3,688		1		1		2		3,690		-
Commercial construction loans		4,657		-		-		-		4,657		-
Commercial leases		3,597		1		2		3		3,600		-
Residential mortgage loans (a)		15,227		37		61		98		15,325		38
Consumer loans:
Home equity		6,280		71		51		122		6,402		-
Indirect secured consumer loans		8,844		119		13		132		8,976		12
Credit card		2,381		47		42		89		2,470		37
Other consumer loans		2,323		17		2		19		2,342		-
Total portfolio loans and leases (a)	$	94,487		326		273		599		95,086		93

(a)	Excludes $179 of residential mortgage loans measured at fair value at December 31, 2018.

(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, 2018, $90 of these loans were

30-89

days past due and $195 were 90 days or more past due. The Bancorp recognized $5 of losses during the year ended December 31, 2018 due to claim denials and curtailments associated with these insured or guaranteed loans.

(c)	Includes accrual and nonaccrual loans and leases.

Impaired Portfolio Loans and Leases

Larger commercial loans and leases included within aggregate borrower relationship balances exceeding $1 million that exhibit probable or observed credit weaknesses are subject to individual review for impairment. The Bancorp also performs an individual review on loans and leases that are restructured in a TDR.

The Bancorp considers the current value of collateral, credit quality of any guarantees, the loan structure and other factors when evaluating whether an individual loan or lease is impaired. Other factors may include the geography and industry of the borrower, size and financial condition of the borrower, cash flow and leverage of the borrower and the Bancorp’s evaluation of the borrower’s management. Smaller-balance homogenous loans or leases that are collectively evaluated for impairment are not included in the following tables.

The following tables summarize the Bancorp’s impaired portfolio loans and leases, by class, that were subject to individual review, which includes all portfolio loans and leases restructured in a TDR as of December 31:


2019 ($ in millions)	Unpaid Principal Balance		Recorded Investment			ALLL
With a related ALLL:
Commercial loans and leases:
Commercial and industrial loans	$	277		215			76
Commercial mortgage owner-occupied loans		4		4			-
Commercial mortgage nonowner-occupied loans		1		-			-
Commercial leases		26		26			6
Restructured residential mortgage loans		431		429			55
Restructured consumer loans:
Home equity		127		127			20
Indirect secured consumer loans		4		4			-
Credit card		47		44			13
Total impaired portfolio loans and leases with a related ALLL	$	917		849			170
With no related ALLL:
Commercial loans and leases:
Commercial and industrial loans	$	156		142			-
Commercial mortgage owner-occupied loans		21		21			-
Commercial mortgage nonowner-occupied loans		3		3			-
Commercial leases		2		2			-
Restructured residential mortgage loans		401		385			-
Restructured consumer loans:
Home equity		125		119			-
Indirect secured consumer loans		10		8			-
Total impaired portfolio loans and leases with no related ALLL	$	718		680			-
Total impaired portfolio loans and leases	$	1,635		1,529	(a)		170

(a)	Includes $23 , $735 and $230 , respectively, of commercial, residential mortgage and consumer portfolio TDRs on accrual status and $231 , $79 and $72 , respectively, of commercial, residential mortgage and consumer portfolio TDRs on nonaccrual status at December 31, 2019 .


2018 ($ in millions)	Unpaid Principal Balance		Recorded Investment			ALLL
With a related ALLL:
Commercial loans and leases:
Commercial and industrial loans	$	156		107			34
Commercial mortgage owner-occupied loans		2		2			1
Commercial mortgage nonowner-occupied loans		2		1			-
Commercial leases		23		22			7
Restructured residential mortgage loans		465		462			61
Restructured consumer loans:
Home equity		146		145			22
Indirect secured consumer loans		5		4			1
Credit card		47		44			15

Total impaired portfolio loans and leases with a related ALLL	$	846		787			141

With no related ALLL:
Commercial loans and leases:
Commercial and industrial loans	$	137		125			-
Commercial mortgage owner-occupied loans		9		9			-
Commercial mortgage nonowner-occupied loans		11		11			-
Restructured residential mortgage loans		292		274			-
Restructured consumer loans:
Home equity		85		83			-
Indirect secured consumer loans		2		2			-
Total impaired portfolio loans and leases with no related ALLL	$	536		504			-

Total impaired portfolio loans and leases	$	1,382		1,291	(a)		141

(a)	Includes $60, $724 and $237, respectively, of commercial, residential mortgage and consumer portfolio TDRs on accrual status and $147, $12 and $41, respectively, of commercial, residential mortgage and consumer portfolio TDRs on nonaccrual status at December 31, 2018.

The following table summarizes the Bancorp’s average impaired portfolio loans and leases, by class, and interest income, by class, for the years ended December 31:



	2019				2018				2017

($ in millions)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized

Commercial loans and leases:
Commercial and industrial loans	$	306		7		373		15		579		10
Commercial mortgage owner-occupied loans		23		-		15		-		35		-
Commercial mortgage nonowner-occupied loans		8		-		24		-		61		1
Commercial leases		28		1		18		-		3		-
Restructured residential mortgage loans		756		30		743		28		657		25
Restructured consumer loans:
Home equity		221		11		244		12		281		12
Indirect secured consumer loans		7		-		8		-		11		-
Credit card		44		4		44		5		50		4

Total average impaired portfolio loans and leases	$	1,393		53		1,469		60		1,677		52

Nonperforming Assets

Nonperforming

assets include nonaccrual loans and leases for which ultimate collectability of the full amount of the principal and/or interest is uncertain; restructured loans which have not yet met the requirements to be

returned to

accrual status;

certain restructured consumer and residential

mortgage loans which

are

days past due based on the restructured terms unless the loan is both well-secured and in the process of collection; and certain other assets, including OREO and other repossessed property.

The following table presents the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property as of December 31:



($ in millions)	2019		2018

Commercial loans and leases:
Commercial and industrial loans	$	338		193
Commercial mortgage owner-occupied loans		29		11
Commercial mortgage nonowner-occupied loans		1		2
Commercial construction loans		1		-
Commercial leases		28		22

Total nonaccrual portfolio commercial loans and leases		397		228

Residential mortgage loans		91		22
Consumer loans:
Home equity		94		69
Indirect secured consumer loans		7		1
Credit card		27		27
Other consumer loans		2		1

Total nonaccrual portfolio consumer loans		130		98

Total nonaccrual portfolio loans and leases (a)(b)	$	618		348

OREO and other repossessed property		62		47

Total nonperforming portfolio assets (a)(b)	$	680		395

(a)	Excludes $7 and $16 of nonaccrual loans and leases held for sale at December 31, 2019 and 2018, respectively.

(b)	Includes $16 and $6 of nonaccrual government insured commercial loans whose repayments are insured by the SBA at December 31, 2019 and 2018, respectively, of which $11 and $2 are restructured nonaccrual government insured commercial loans at December 31, 2019 and 2018, respectively.

The Bancorp’s recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements of the applicable jurisdiction was $212 million and $153 million as of December 31, 2019 and 2018, respectively.

Troubled Debt Restructurings

A loan is accounted for as a TDR if the Bancorp, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower that it would not otherwise consider. TDRs include concessions granted under reorganization, arrangement or other provisions of the Federal Bankruptcy Act. Within each of the Bancorp’s loan classes, TDRs typically involve either a reduction of the stated interest rate of the loan, an extension of the loan’s maturity date with a stated rate lower than the current market rate for a new loan with similar risk, or in limited circumstances, a reduction of the principal balance of the loan or the loan’s accrued interest. Modifying the terms of a loan may result in an increase or decrease to the ALLL depending upon the terms modified, the method used to measure the ALLL for a loan prior to modification, and whether any charge-offs were recorded on the loan before or at the time of modification. Refer to the ALLL section of Note 1 for information on the Bancorp’s ALLL methodology.

Upon modification of a loan, the Bancorp measures the related impairment as the difference between the estimated future cash flows expected to be collected on the modified loan, discounted at the original effective yield of the loan, and the carrying value of the loan. The resulting measurement may result in the need for minimal or no allowance because it is probable that all cash flows will be collected under the modified terms of the loan. In addition, if the stated interest rate was increased in a TDR, the cash flows on the modified loan, using the

pre-modification

interest rate as the discount rate, often exceed the recorded investment of the loan. Conversely, upon a modification that reduces the stated interest rate on a loan, the Bancorp recognizes an impairment loss as an increase to the ALLL. If a TDR involves a reduction of the principal balance of the loan or the loan’s accrued interest, that amount is

charged-off

to the ALLL. Loans discharged in a Chapter 7 bankruptcy and not reaffirmed by the borrower are treated as nonaccrual collateral-dependent loans with impairment recognized to reduce the carrying values of such loans to the fair value of the related collateral less costs to sell.

The Bancorp had commitments to lend additional funds to borrowers whose terms have been modified in a TDR, consisting of line of credit and letter of credit commitments of $41 million and $58 million, respectively, as of December 31, 2019 compared with $24 million and $67 million, respectively, as of December 31, 2018.

The following tables provide a summary of loans and leases, by class, modified in a TDR by the Bancorp during the years ended December 31:



2019 ($ in millions) (a)(b)	Number of Loans Modified in a TDR During the Year (c)		Recorded Investment in Loans Modified in a TDR During the Year		(Decrease) Increase to ALLL Upon Modification			Charge-offs Recognized Upon Modification

Commercial loans and leases:
Commercial and industrial loans		97	$	223		(19	)		5
Commercial mortgage owner-occupied loans		15		12		-			-
Commercial mortgage nonowner-occupied loans		1		-		-			-
Residential mortgage loans		722		101		1			-
Consumer loans:
Home equity		80		4		-			-
Indirect secured consumer loans		100		-		-			-
Credit card		6,041		34		8			3

Total portfolio loans and leases		7,056	$	374		(10	)		8

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

(b)	Excludes loans classified as TDRs as a result of the Bancorp’s conformance to OCC guidance with regard to non-reaffirmed loans included in Chapter 7 bankruptcy filings.

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



2018 ($ in millions) (a)	Number of Loans Modified in a TDR During the Year (b)		Recorded Investment in Loans Modified in a TDR During the Year		Increase (Decrease) to ALLL Upon Modification			Charge-offs Recognized Upon Modification

Commercial loans and leases:
Commercial and industrial loans		54	$	200		1			7
Commercial mortgage owner-occupied loans		6		3		(1	)		-
Commercial mortgage nonowner-occupied loans		3		-		-			-
Residential mortgage loans		1,128		168		4			-
Consumer loans:
Home equity		111		7		-			-
Indirect secured consumer loans		84		-		-			-
Credit card		7,483		37		9			2

Total portfolio loans and leases		8,869	$	415		13			9

(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.



2017 ($ in millions) (a)	Number of Loans Modified in a TDR During the Year (b)		Recorded Investment in Loans Modified in a TDR During the Year		Increase (Decrease) to ALLL Upon Modification			Charge-offs Recognized Upon Modification

Commercial loans and leases:
Commercial and industrial loans		75	$	237		(5	)		6
Commercial mortgage owner-occupied loans		9		8		5			-
Commercial mortgage nonowner-occupied loans		4		-		-			-
Commercial leases		1		4		-			-
Residential mortgage loans		830		116		5			-
Consumer loans:
Home equity		150		10		-			-
Indirect secured consumer loans		102		-		-			-
Credit card		8,085		38		8			1

Total portfolio loans and leases		9,256	$	413		13			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.

The Bancorp considers TDRs that become 90 days or more past due under the modified terms as subsequently defaulted. For commercial loans not subject to individual review for impairment, loss rates that are applied for purposes of determining the ALLL include historical losses associated with subsequent defaults on loans previously modified in a TDR. For consumer loans, the Bancorp performs a qualitative assessment of the adequacy of the consumer ALLL by comparing the consumer ALLL to forecasted consumer losses over the projected loss emergence period (the forecasted losses include the impact of subsequent defaults of

consumer TDRs). When a residential mortgage, home equity, indirect secured consumer loan or other consumer loan that has been modified in a TDR subsequently defaults, the present value of expected cash flows used in the measurement of the potential impairment loss is generally limited to the expected net proceeds from the sale of the loan’s underlying collateral and any resulting impairment loss is reflected as a

charge-off

or an increase in ALLL. The Bancorp recognizes ALLL for the entire balance of the credit card loans modified in a TDR that subsequently default.

The following tables provide a summary of TDRs that subsequently defaulted during the years ended December 31, 2019, 2018 and 2017 and were within twelve months of the restructuring date:



December 31, 2019 ($ in millions) (a)(b)		Number of Contracts			Recorded Investment

Commercial loans and leases:
Commercial and industrial loans		12	$		20
Commercial mortgage owner-occupied loans		4			1
Commercial mortgage nonowner-occupied loans		1			-
Residential mortgage loans		274			42
Consumer loans:
Home equity		15			-
Credit card		655			3

Total portfolio loans and leases		961	$		66

(a) Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality. (b) Excludes loans classified as TDRs as a result of the Bancorp’s conformance to OCC guidance with regard to non-reaffirmed loans included in Chapter 7 bankruptcy filings.

December 31, 2018 ($ in millions) (a)	Number of Contracts			Recorded Investment

Commercial loans and leases:
Commercial and industrial loans		8	$		61
Commercial mortgage owner-occupied loans		2			-
Residential mortgage loans		225			35
Consumer loans:
Home equity		10			-
Credit card		655			4

Total portfolio loans and leases		900	$		100

(a) Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality.

December 31, 2017 ($ in millions) (a)	Number of Contracts			Recorded Investment

Commercial loans and leases:
Commercial and industrial loans		7	$		17
Commercial mortgage owner-occupied loans		4			1
Residential mortgage loans		172			24
Consumer loans:
Home equity		16			2
Credit card		1,633			8

Total portfolio loans and leases		1,832	$		52

(a) Excludes all loans and leases held for sale and loans acquired with deteriorated credit quality.