Loans (Tables)

12 Months Ended

Dec. 31, 2011

Loans [Abstract]

Schedule Of Loans By Portfolio Segment

(Dollars in thousands)	2011			2010
Commercial:
Commercial, financial, and industrial		$	8,014,927		$	7,338,155
Commercial real estate
Income CRE			1,257,497			1,406,646
Residential CRE			120,913			263,878
Retail:
Consumer real estate			5,291,364			5,617,619
Permanent mortgage			787,597			1,086,859
Credit card & other			284,051			311,924
Restricted real estate loans (a)			640,778			757,491
Loans, net of unearned income		$	16,397,127		$	16,782,572
Allowance for loan losses			384,351			664,799
Total net loans		$	16,012,776		$	16,117,773

(a) Balances as of December 31, 2011 and 2010 include $600.2 million and $701.8 million of consumer real estate loans and $40.6 million and $55.7 million of permanent mortgage loans, respectively.

Rollforward Of The Allowance For Loan Losses By Portfolio Segment

(Dollars in thousands)	C&I				Commercial Real Estate				Consumer Real Estate				Permanent Mortgage				Credit Card and Other				Total
Balance as of January 1, 2009		$	191,893			$	199,925			$	181,818			$	53,585			$	221,989			$	849,210
Charge-offs			(129,283	)			(277,461	)			(224,853	)			(63,004	)			(182,360	)			(876,961	)
Recoveries			7,594				10,790				16,244				797				9,240				44,665
Provision			206,444				272,471				241,879				132,518				26,688				880,000
Balance as of December 31, 2009 (a)(b)			276,648				205,725				215,088				123,896				75,557				896,914
Allowance – individually evaluated for impairment			18,048				2,746				5,997				3,996				857				31,644
Allowance – collectively evaluated for impairment			258,600				202,979				209,091				119,900				74,700				865,270
Loans, net of unearned as of December 31, 2009:
Individually evaluated for impairment			103,616				405,458				25,766				26,229				3,098				564,167
Collectively evaluated for impairment			7,046,168				2,008,492				6,905,668				1,059,439				539,950				17,559,717
Total loans, net of unearned (a)(b)		$	7,149,784			$	2,413,950			$	6,931,434			$	1,085,668			$	543,048			$	18,123,884
Balance as of January 1, 2010		$	276,648			$	205,725			$	215,088			$	123,896			$	75,557			$	896,914
Adjustment due to amendments of ASC 810			-				-				16,106				8,472				-				24,578
Charge-offs			(97,272	)			(127,323	)			(233,269	)			(71,113	)			(47,564	)			(576,541	)
Recoveries			11,630				13,030				16,300				1,658				7,230				49,848
Provision			48,463				63,653				178,125				2,096				(22,337	)			270,000
Balance as of December 31, 2010 (a)(b)			239,469				155,085				192,350				65,009				12,886				664,799
Allowance – individually evaluated for impairment			61,327				17,395				19,691				16,678				267				115,358
Allowance – collectively evaluated for impairment			178,142				137,690				172,659				48,331				12,619				549,441
Loans, net of unearned as of December 31, 2010:
Individually evaluated for impairment			213,405				242,143				69,775				96,765				764				622,852
Collectively evaluated for impairment			7,124,750				1,428,381				6,249,637				1,045,792				311,160				16,159,720
Total loans, net of unearned (a)(b)		$	7,338,155			$	1,670,524			$	6,319,412			$	1,142,557			$	311,924			$	16,782,572
Balance as of January 1, 2011		$	239,469			$	155,085			$	192,350			$	65,009			$	12,886			$	664,799
Charge-offs			(76,728	)			(41,147	)			(164,922	)			(75,218	)			(19,253	)			(377,268	)
Recoveries			16,562				11,047				16,019				5,375				3,817				52,820
Provision			(48,890	)			(69,399	)			121,630				31,028				9,631				44,000
Balance as of December 31, 2011 (a)(b)			130,413				55,586				165,077				26,194				7,081				384,351
Allowance – individually evaluated for impairment			28,973				8,214				44,606				6,015				333				88,141
Allowance – collectively evaluated for impairment			101,440				47,372				120,471				20,179				6,748				296,210
Loans, net of unearned as of December 31, 2011:
Individually evaluated for impairment			170,124				115,319				120,127				73,064				1,117				479,751
Collectively evaluated for impairment			7,844,803				1,263,091				5,771,419				755,129				282,934				15,917,376
Total loans, net of unearned (a)(b)		$	8,014,927			$	1,378,410			$	5,891,546			$	828,193			$	284,051			$	16,397,127

(a)	Balances as of December 31, 2011 and 2010 include $25.7 million and $42.1 million of reserves, respectively, and $600.2 million and $701.8 million of balances in restricted consumer real estate loans, respectively.
(b)	Balances as of December 31, 2011 and 2010 include $6.1 million and $5.4 million of reserves, respectively, and $40.6 million and $55.7 million of balances in restricted permanent mortgage loans, respectively.

Information By Class Related To Individually Impaired Loans

(Dollars in thousands)	2011
	Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I		$	78,804		$	119,974		$	-		$	61,631		$	1,099
TRUPs			43,177			47,000			-			34,292			-
Income CRE			67,653			122,183			-			87,771			821
Residential CRE			24,290			43,544			-			41,846			507
Total		$	213,924		$	332,701		$	-		$	225,540		$	2,427
Impaired loans with related allowance recorded:
Commercial:
General C&I		$	16,528		$	20,778		$	5,148		$	66,401		$	210
TRUPs			31,616			33,700			23,825			29,441			-
Income CRE			2,222			2,222			243			18,381			41
Residential CRE			21,153			21,153			7,971			30,733			-
Total		$	71,519		$	77,853		$	37,187		$	144,956		$	251
Retail:
HELOC		$	49,919		$	49,919		$	21,548		$	37,647		$	885
R/E Installment loans			70,208			70,208			23,058			57,304			987
Permanent mortgage			73,064			73,064			6,015			84,915			1,933
Credit card & other			1,117			1,117			333			941			48
Total		$	194,308		$	194,308		$	50,954		$	180,807		$	3,853
Total commercial		$	285,443		$	410,554		$	37,187		$	370,496		$	2,678
Total retail		$	194,308		$	194,308		$	50,954		$	180,807		$	3,853
Total impaired loans		$	479,751		$	604,862		$	88,141		$	551,303		$	6,531

(Dollars in thousands)	2010
	Recorded Investment			Unpaid Principal Balance			Related Allowance
Impaired loans with no related allowance recorded:
Commercial:
General C&I		$	44,459		$	65,929		$	-
TRUPs			25,406			28,000			-
Income CRE			107,888			176,650			-
Residential CRE			59,402			127,126			-
Total		$	237,155		$	397,705		$	-
Impaired loans with related allowance recorded:
Commercial:
General C&I		$	116,275		$	117,644		$	34,061
TRUPs			27,266			30,000			27,266
Income CRE			34,540			36,974			8,821
Residential CRE			40,313			44,091			8,574
Total		$	218,394		$	228,709		$	78,722
Retail:
HELOC		$	25,375		$	25,375		$	7,161
R/E Installment loans			44,399			44,399			12,530
Permanent mortgage			96,765			96,765			16,679
OTC, credit card, & other			764			764			266
Total		$	167,303		$	167,303		$	36,636
Total commercial		$	455,549		$	626,414		$	78,722
Total retail		$	167,303		$	167,303		$	36,636
Total impaired loans		$	622,852		$	793,717		$	115,358

Commercial Loan Portfolio Classes, Disaggregated By PD Grade

(Dollars in millions)	2011
	General C&I			Loans to Mortgage Companies			TRUPS (a)			Income CRE			Residential CRE			Total			Allowance for Loan Losses
PD Grade:
1		$	172		$	-		$	-		$	-		$	-		$	172		$	-
2			156			-			-			3			-			159			-
3			162			-			-			20			-			182			-
4			221			-			-			7			-			228			1
5			385			-			-			25			-			410			1
6			892			157			-			115			4			1,168			5
7			892			664			-			175			6			1,737			9
8			979			391			-			144			1			1,515			15
9			634			155			-			152			3			944			15
10			477			27			-			108			1			613			11
11			432			-			-			123			2			557			14
12			157			-			-			15			4			176			5
13			264			-			334			75			8			681			15
14,15,16			290			-			4			225			47			566			58
Total loans collectively evaluated for impairment			6,113			1,394			338			1,187			76			9,108		$	149
Total loans individually evaluated for impairment			95			-			75			70			45			285			37
Total commercial loans		$	6,208		$	1,394		$	413		$	1,257		$	121		$	9,393		$	186

(Dollars in millions)	2010
	General C&I			Loans to Mortgage Companies			TRUPS (a)			Income CRE			Residential CRE			Total			Allowance for Loan Losses
PD Grade:
1		$	86		$	-		$	-		$	-		$	-		$	86		$	-
2			87			-			-			4			-			91			-
3			143			-			-			16			-			159			1
4			199			-			-			8			-			207			2
5			360			-			-			24			1			385			5
6			666			88			-			53			-			807			6
7			855			214			-			96			5			1,170			11
8			997			387			-			151			5			1,540			18
9			491			112			-			146			3			752			15
10			463			12			-			82			4			561			11
11			493			-			-			113			3			609			20
12			246			2			-			30			7			285			12
13			422			-			276			167			14			879			51
14,15,16			423			2			101			375			121			1,022			164
Total loans collectively evaluated for impairment			5,931			817			377			1,265			163			8,553			316
Total loans individually evaluated for impairment			161			-			53			142			100			456			79
Total commercial loans		$	6,092		$	817		$	430		$	1,407		$	263		$	9,009		$	395

(a) Balances as of December 31, 2011 and 2010 presented net of $34.2 million and $35.6 million respectively lower of cost or market ("LOCOM") valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13". Portfolio reserve estimate considers recent financial performance of individual borrowers and other factors.

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The HELOC

HELOC (Dollars in millions)	Period End Balance (a)			Origination Characteristics														Avg Refreshed FICO
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2003		$	182		75.6	%		723		15.2	%		40.3	%		22.9	%		719
2003			273		76.1	%		733		23.8	%		26.6	%		16.8	%		726
2004			588		79.7	%		728		31.7	%		17.4	%		19.6	%		720
2005			732		79.5	%		734		15.9	%		16.6	%		12.0	%		722
2006			544		76.8	%		741		6.6	%		22.9	%		13.8	%		726
2007			566		77.5	%		746		13.6	%		28.8	%		15.0	%		732
2008			293		74.0	%		755		8.7	%		69.9	%		37.2	%		749
2009			179		71.6	%		754		0.0	%		86.6	%		45.4	%		755
2010			174		72.9	%		755		0.0	%		94.6	%		45.2	%		757
2011			159		71.1	%		760		0.0	%		92.6	%		51.5	%		758
Total		$	3,690		76.9	%		740		14.5	%		36.0	%		21.7	%		731

(a)

Includes $600.2 million of restricted loan balances.

HELOC (Dollars in millions)	Period End Balance (a)			Origination Characteristics														Avg Refreshed FICO
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2003		$	230		75.5	%		724		14.2	%		42.3	%		22.7	%		723
2003			321		76.3	%		733		24.4	%		25.7	%		15.4	%		730
2004			690		79.5	%		729		31.8	%		17.3	%		18.8	%		722
2005			855		79.5	%		735		16.5	%		17.0	%		11.7	%		722
2006			630		76.8	%		742		7.0	%		24.4	%		13.6	%		730
2007			630		77.5	%		746		13.8	%		28.9	%		14.3	%		734
2008			323		74.1	%		755		8.8	%		69.7	%		36.8	%		753
2009			205		71.8	%		756		0.0	%		86.6	%		45.3	%		759
2010			199		73.0	%		758		0.0	%		94.9	%		46.5	%		757
Total		$	4,083		77.2	%		740		15.4	%		33.6	%		19.9	%		732

(a) Includes $701.8 million of restricted loan balances.

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans

R/E Installment Loans (Dollars in millions)	Period End Balance			Origination Characteristics														Avg Refreshed FICO
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2003		$	56		77.8	%		689		18.3	%		62.1	%		66.2	%		687
2003			163		72.5	%		722		3.0	%		43.6	%		77.5	%		732
2004			97		74.1	%		710		7.9	%		49.6	%		72.8	%		708
2005			272		83.3	%		720		26.3	%		20.4	%		27.5	%		714
2006			295		79.4	%		721		4.7	%		23.5	%		24.2	%		706
2007			415		82.5	%		730		16.1	%		23.5	%		24.7	%		714
2008			153		77.9	%		734		6.2	%		77.6	%		78.5	%		729
2009			94		72.7	%		751		0.0	%		90.1	%		82.7	%		751
2010			196		85.8	%		747		0.0	%		88.8	%		97.9	%		753
2011			461		78.9	%		760		0.0	%		88.5	%		97.5	%		759
Total		$	2,202		79.8	%		734		8.4	%		52.7	%		60.0	%		729

R/E Installment Loans (Dollars in millions)	Period End Balance			Origination Characteristics														Avg Refreshed FICO
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2003		$	83		77.2	%		697		17.7	%		62.3	%		67.2	%		727
2003			222		72.4	%		726		3.1	%		44.4	%		77.5	%		731
2004			128		73.6	%		714		7.2	%		51.4	%		71.5	%		724
2005			343		82.5	%		722		25.7	%		21.7	%		27.8	%		721
2006			378		78.3	%		723		4.7	%		25.5	%		25.6	%		728
2007			520		81.1	%		732		15.7	%		24.2	%		24.3	%		734
2008			211		76.8	%		740		5.6	%		78.7	%		78.3	%		751
2009			134		71.1	%		753		0.0	%		89.6	%		82.6	%		760
2010			217		82.1	%		748		0.0	%		89.2	%		96.5	%		751
Total		$	2,236		78.3	%		729		10.3	%		44.4	%		50.2	%		732

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans

Permanent Mortgage (Dollars in millions)	Period End Balance (a)			Origination Characteristics														Avg Refreshed FICO
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2004		$	170		64.8	%		726		48.7	%		10.0	%		96.9	%		739
2004			12		78.2	%		719		17.8	%		15.0	%		100.0	%		690
2005			63		74.4	%		740		37.3	%		2.6	%		100.0	%		733
2006			115		71.5	%		735		37.9	%		1.4	%		100.0	%		710
2007			314		71.0	%		734		55.5	%		1.2	%		100.0	%		706
2008			154		73.9	%		742		50.1	%		0.4	%		99.9	%		718
Total		$	828		70.9	%		734		48.7	%		3.1	%		99.4	%		717

(a) Includes $40.6 million of restricted loan balances and first lien mortgages recognized through the exercise of cleanup calls for certain proprietary first lien securitization trusts.

Permanent Mortgage (Dollars in millions)	Period End Balance (a)			Origination Characteristics														Avg Refreshed FICO (b)
				Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien
Origination Vintage
pre-2004		$	190		67.8	%		727		48.2	%		9.6	%		99.6	%		N/A
2004			15		82.0	%		725		19.2	%		25.7	%		100.0	%		N/A
2005			81		79.8	%		742		34.3	%		5.4	%		98.3	%		N/A
2006			154		79.2	%		734		41.1	%		2.1	%		97.0	%		N/A
2007			447		79.1	%		732		56.1	%		1.0	%		95.6	%		N/A
2008			256		79.9	%		737		55.7	%		0.8	%		100.0	%		N/A
Total		$	1,143		77.6	%		733		50.7	%		3.1	%		97.7	%		N/A

(a)	Includes $55.7 million of restricted loan balances and first lien mortgages recognized through the exercise of cleanup calls for certain proprietary first lien securitization trusts.
(b)	Refreshed FICO scores were not obtained prior to first quarter 2011.

Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes

(Dollars in millions)	Credit Card						Other
	2011			2010			2011			2010
Accruing delinquent balances:
30-89 days past due		$	1.9		$	1.9		$	0.4		$	0.8
90+ days past due			1.4			1.6			0.1			0.2
Total		$	3.3		$	3.5		$	0.5		$	1.0

Accruing And Non-Accruing Loans By Class

(Dollars in thousands)	Accruing												Non-Accruing												Total Loans
	Current			30-89 Days Past Due			90 + Days Past Due			Total Accruing			Current			30-89 Days Past Due			90 + Days Past Due			Total Non- Accruing
Commercial (C&I):
General C&I		$	6,109,009		$	11,576		$	234		$	6,120,819		$	42,396		$	12,938		$	31,611		$	86,945		$	6,207,764
Loans to mortgage companies			1,393,659			40			-			1,393,699			-			-			491			491			1,394,190
TRUPS (a)			338,180			-			-			338,180			-			-			74,793			74,793			412,973
Total commercial (C&I)			7,840,848			11,616			234			7,852,698			42,396			12,938			106,895			162,229			8,014,927
Commercial real estate:
Income CRE			1,178,708			9,610			-			1,188,318			20,272			2,125			46,782			69,179			1,257,497
Residential CRE			74,252			875			-			75,127			25,149			7,359			13,278			45,786			120,913
Total commercial real estate			1,252,960			10,485			-			1,263,445			45,421			9,484			60,060			114,965			1,378,410
Consumer real estate:
HELOC (b)			3,598,926			44,728			25,978			3,669,632			10,446			1,079			8,878			20,403			3,690,035
R/E installment loans			2,145,181			26,310			11,647			2,183,138			11,781			1,358			5,234			18,373			2,201,511
Total consumer real estate			5,744,107			71,038			37,625			5,852,770			22,227			2,437			14,112			38,776			5,891,546
Permanent mortgage (b)			764,388			15,401			12,415			792,204			15,066			342			20,581			35,989			828,193
Credit card & other
Credit card			188,702			1,868			1,422			191,992			-			-			-			-			191,992
Other			89,433			405			80			89,918			5			-			2,136			2,141			92,059
Total credit card & other			278,135			2,273			1,502			281,910			5			-			2,136			2,141			284,051
Total loans, net of unearned		$	15,880,438		$	110,813		$	51,776		$	16,043,027		$	125,115		$	25,201		$	203,784		$	354,100		$	16,397,127

(a)	Includes LOCOM valuation allowance of $34.2 million.
(b)	Includes restricted loans.

The following table reflects accruing and non-accruing loans by class on December 31, 2010:

(Dollars in thousands)	Accruing												Non-Accruing												Total Loans
	Current			30-89 Days Past Due			90 + Days Past Due			Total Accruing			Current			30-89 Days Past Due			90 + Days Past Due			Total Non- Accruing
Commercial (C&I):
General C&I		$	5,905,087		$	26,508		$	182		$	5,931,777		$	89,307		$	18,154		$	52,263		$	159,724		$	6,091,501
Loans to mortgage companies			815,529			-			-			815,529			-			-			1,597			1,597			817,126
TRUPS (a)			376,856			-			-			376,856			-			-			52,672			52,672			429,528
Total commercial (C&I)			7,097,472			26,508			182			7,124,162			89,307			18,154			106,532			213,993			7,338,155
Commercial real estate:
Income CRE			1,248,209			16,915			-			1,265,124			32,248			3,516			105,758			141,522			1,406,646
Residential CRE			144,524			8,409			-			152,933			26,095			3,283			81,567			110,945			263,878
Total commercial real estate			1,392,733			25,324			-			1,418,057			58,343			6,799			187,325			252,467			1,670,524
Consumer real estate:
HELOC (b)			3,980,830			55,122			32,717			4,068,669			8,461			563			5,349			14,373			4,083,042
R/E installment loans			2,164,544			35,528			15,220			2,215,292			13,631			1,287			6,160			21,078			2,236,370
Total consumer real estate			6,145,374			90,650			47,937			6,283,961			22,092			1,850			11,509			35,451			6,319,412
Permanent mortgage (b)			959,431			28,041			29,367			1,016,839			15,088			9,814			100,816			125,718			1,142,557
Credit card & other
Credit card			188,921			1,912			1,604			192,437			-			-			-			-			192,437
Other			99,259			798			154			100,211			-			-			19,276			19,276			119,487
Total credit card & other			288,180			2,710			1,758			292,648			-			-			19,276			19,276			311,924
Total loans, net of unearned		$	15,883,190		$	173,233		$	79,244		$	16,135,667		$	184,830		$	36,617		$	425,458		$	646,905		$	16,782,572

(a)	Includes LOCOM valuation allowance of $35.6 million.
(b)	Includes restricted loans.

Schedule Of Troubled Debt Restructurings Occurring During The Year

(Dollars in thousands)	2011
	Number		Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I		18		$	15,960		$	15,524
Loans to Mortgage Companies		-			-			-
TRUPS		-			-			-
Total commercial (C&I)		18			15,960			15,524
Commercial real estate:
Income CRE		13			13,630			13,155
Residential CRE		6			2,257			2,735
Total commercial real estate		19			15,887			15,890
Consumer real estate:
HELOC		169			21,093			20,992
R/E installment loans		147			21,044			21,249
Total consumer real estate		316			42,137			42,241
Permanent mortgage		129			79,776			82,633
Credit card & other:
Credit card		102			451			590
Other		-			-			-
Total credit card & other		102			451			590
Total troubled debt restructurings		584		$	154,211		$	156,878

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months

(Dollars in thousands)	2011
	Number		Recorded Investment
Commercial (C&I):
General C&I		43		$	31,663
Loans to Mortgage Companies		-			-
TRUPS		-			-
Total commercial (C&I)		43			31,663
Commercial real estate:
Income CRE		24			26,563
Residential CRE		15			18,512
Total commercial real estate		39			45,075
Consumer real estate:
HELOC		35			6,041
R/E installment loans		26			2,421
Total consumer real estate		61			8,462
Permanent mortgage		37			37,976
Credit card & other:
Credit card		51			3,842
Other		-			-
Total credit card & other		51			3,842
Total troubled debt restructurings		231		$	127,018