Loans (Tables)

9 Months Ended

Sep. 30, 2011


	September 30				December 31
(Dollars in thousands)	2011		2010		2010
Commercial:
Commercial, financial, and industrial		$7,705,749		$7,336,986		$7,338,155
Commercial real estate
Income CRE		1,286,683		1,518,942		1,406,646
Residential CRE		141,657		323,725		263,878
Retail:
Consumer real estate		5,305,005		5,787,698		5,617,619
Permanent mortgage		838,020		969,244		1,086,859
Credit card & other		298,544		326,365		311,924
Restricted real estate loans ^(a)		665,744		796,529		757,491
Loans, net of unearned income		$16,241,402		$17,059,489		$16,782,572
Allowance for loan losses		449,645		719,899		664,799
Total net loans		$15,791,757		$16,339,590		$16,117,773

(a)	Balances as of September 30, 2011 and 2010, and December 31, 2010, include $623.3 million, $735.8 million, and $701.8 million of consumer real estate loans and $42.4 million, $60.7 million, and $55.7 million of permanent mortgage loans, respectively.

Allowance For Credit Losses On Financing Receivables


(Dollars in thousands)	C&I			Commercial Real Estate			Consumer Real Estate			Permanent Mortgage			Credit Card and Other ^(a)			Total
Balance as of July 1, 2010		$277,035			$198,347			$205,752			$77,313			$22,822			$781,269
Charge-offs		(25,974	)		(15,276	)		(62,822	)		(14,602	)		(7,127	)		(125,801	)
Recoveries		2,401			3,021			5,482			479			3,048			14,431
Provision		6,320			(3,655	)		46,488			1,673			(826	)		50,000
Balance as of September 30, 2010 (b) (c)		259,782			182,437			194,900			64,863			17,917			719,899

Balance as of January 1, 2010		$276,648			$205,724			$215,087			$123,897			$75,558			$896,914
Adjustment due to amendments of ASC 810		-			-			16,106			8,472			-			24,578
Charge-offs		(80,912	)		(104,584	)		(177,223	)		(61,505	)		(41,520	)		(465,744	)
Recoveries		9,612			8,814			13,475			1,255			5,995			39,151
Provision		54,434			72,483			127,455			(7,256	)		(22,116	)		225,000
Balance as of September 30, 2010 (b) (c)		259,782			182,437			194,900			64,863			17,917			719,899
Allowance - individually evaluated for impairment		52,661			22,171			16,395			9,756			245			101,228
Allowance - collectively evaluated for impairment		207,121			160,266			178,505			55,107			17,672			618,671
Loans, net of unearned as of September 30, 2010:
Individually evaluated for impairment		208,699			262,854			57,714			72,322			530			602,119
Collectively evaluated for impairment		7,128,287			1,579,813			6,465,799			957,636			325,835			16,457,370
Total loans, net of unearned ^(b) (c)		$7,336,986			$1,842,667			$6,523,513			$1,029,958			$326,365			$17,059,489

Balance as of July 1, 2011		$206,278			$99,467			$162,655			$46,602			$9,089			$524,091
Charge-offs		(17,348	)		(10,702	)		(39,122	)		(48,556	)		(4,927	)		(120,655	)
Recoveries		4,716			2,673			4,052			1,728			1,040			14,209
Provision		(11,356	)		(26,287	)		34,485			31,888			3,270			32,000
Balance as of September 30, 2011 (b) (c)		182,290			65,151			162,070			31,662			8,472			449,645
Balance as of January 1, 2011		$239,469			$155,085			$192,350			$65,009			$12,886			$664,799
Charge-offs		(41,822	)		(34,792	)		(130,886	)		(69,340	)		(14,511	)		(291,351	)
Recoveries		13,175			8,118			12,488			5,262			3,154			42,197
Provision		(28,532	)		(63,260	)		88,118			30,731			6,943			34,000
Balance as of September 30, 2011 (b) (c)		182,290			65,151			162,070			31,662			8,472			449,645
Allowance - individually evaluated for impairment		46,500			7,998			40,509			5,692			842			101,541
Allowance - collectively evaluated for impairment		135,790			57,153			121,561			25,970			7,630			348,104
Loans, net of unearned as of September 30, 2011:
Individually evaluated for impairment		210,644			130,543			112,124			47,910			1,138			502,359
Collectively evaluated for impairment		7,495,105			1,297,797			5,816,186			832,549			297,406			15,739,043
Total loans, net of unearned ^(b) (c)		$7,705,749			$1,428,340			$5,928,310			$880,459			$298,544			$16,241,402

(a)	Includes OTC.

(b)	Q3 2011 and Q3 2010 include $26.9 million and $41.9 million of reserves, respectively, and $623.3 million and $735.8 million of balances in restricted consumer real estate loans, respectively.

(c)	Q3 2011 and Q3 2010 include $5.5 million and $5.9 million of reserves, respectively, and $42.4 million and $60.7 million of balances in restricted permanent mortgage loans, respectively.

Schedule Of Investment In Impaired Loans, Allowance For Loan Loss, Unpaid Impaired Loans And Interest Income Recognized On Impaired Loans


	September 30, 2011				Three Months Ended September 30, 2011			Nine Months Ended September 30, 2011
(Dollars in thousands)		Recorded Investment	Unpaid Principal Balance	Related Allowance		Average Recorded Investment	Interest Income Recognized		Average Recorded Investment	Interest Income Recognized

Impaired loans with no related allowance recorded:
Commercial:
General C&I		$87,957	$115,157	$ -		$92,078	$328		$66,208	$817
TRUPs		56,442	60,700	-		54,592	-		40,924	-
Income CRE		77,245	145,934	-		87,090	150		92,566	681
Residential CRE		28,843	74,738	-		35,881	82		44,122	426
Total		$250,487	$396,529	$ -		$269,641	$560		$243,820	$1,924

Impaired loans with related allowance recorded:
Commercial:
General C&I		$38,979	$43,870	$20,280		$42,834	$35		$77,627	$175
TRUPs		27,266	30,000	26,220		27,266	-		27,266	-
Income CRE		2,722	2,732	348		7,426	15		18,631	26
Residential CRE		21,733	21,733	7,650		22,064	-		31,023	-
Total		$90,700	$98,335	$54,498		$99,590	$50		$154,547	$201

Retail:
HELOC		$44,624	$44,624	$21,732		$40,620	$224		$34,999	$545
R/E Installment loans		67,500	67,500	18,777		61,000	291		55,660	635
Permanent mortgage		47,910	47,910	5,692		79,945	476		72,338	1,390
Credit card & other		1,138	1,138	842		1,162	12		951	36
Total		$161,172	$161,172	$47,043		$182,727	$1,003		$163,948	$2,606
Total commercial		$341,187	$494,864	$54,498		$369,231	$610		$398,367	$2,125
Total retail		$161,172	$161,172	$47,043		$182,727	$1,003		$163,948	$2,606
Total impaired loans		$502,359	$656,036	$101,541		$551,958	$1,613		$562,315	$4,731


	September 30, 2010
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance

Impaired loans with no related allowance recorded:
Commercial:
General C&I		$72,704		$92,902		$-
TRUPs		30,617		34,200		-
Income CRE		89,985		161,078		-
Residential CRE		87,944		165,009		-
Total		$281,250		$453,189		$-

Impaired loans with related allowance recorded:
Commercial:
General C&I		$78,113		$83,021		$30,382
TRUPs		27,266		30,000		22,279
Income CRE		51,794		61,792		12,781
Residential CRE		33,130		36,169		9,390
Total		$190,303		$210,982		$74,832

Retail:
HELOC		$22,330		$22,330		$6,343
R/E Installment loans		35,384		35,384		10,052
Permanent mortgage		72,322		72,322		9,756
OTC, credit card, & other		530		530		245
Total		$130,566		$130,566		$26,396
Total commercial		$471,553		$664,171		$74,832
Total retail		$130,566		$130,566		$26,396
Total impaired loans		$602,119		$794,737		$101,228

Commercial Loan Portfolio Classes, Disaggregated By PD Grade


	September 30, 2011
(Dollars in millions)	General C&I		Loans to Mortgage Companies		TRUPS ^(a)		Income CRE		Residential CRE		Total
PD Grade:
1		$164		$ -		$ -		$ -		$ -		$164
2		149		-		-		3		-		152
3		183		-		-		17		-		200
4		182		-		-		7		-		189
5		334		-		-		30		-		364
6		884		277		-		79		3		1,243
7		856		344		-		140		2		1,342
8		1,097		314		-		185		4		1,600
9		576		92		-		116		4		788
10		404		39		-		124		1		568
11		480		-		-		125		2		607
12		128		-		-		16		5		149
13		340		-		334		113		8		795
14,15,16		313		-		4		252		63		632
Total loans collectively evaluated for impairment		6,090		1,066		338		1,207		92		8,793
Total loans individually evaluated for impairment		127		-		84		80		50		341
Total commercial loans		$6,217		$1,066		$422		$1,287		$142		$9,134

(a)	Presented net of $35.3 million a 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)			Origination Characteristics
Origination Vintage	Period End Balance ^(a)		Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien			Avg Refreshed FICO
pre-2003		$194		75.5	%		723		15.1	%		40.5	%		22.5	%		719
2003		286		76.1	%		734		23.8	%		26.1	%		16.2	%		727
2004		612		79.7	%		728		31.7	%		17.6	%		19.4	%		720
2005		760		79.6	%		734		15.9	%		16.6	%		12.0	%		722
2006		569		76.9	%		741		6.7	%		23.2	%		14.0	%		726
2007		581		77.5	%		746		13.4	%		29.1	%		14.9	%		732
2008		300		74.0	%		755		8.8	%		69.9	%		37.0	%		750
2009		186		71.7	%		755		0.0	%		86.3	%		45.5	%		755
2010		182		73.2	%		755		0.0	%		94.8	%		45.1	%		757
2011		117		71.9	%		757		0.0	%		93.5	%		49.3	%		757
Total		$3,787		77.0	%		740		14.7	%		35.4	%		21.1	%		730

(a)	Includes $623.3 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)			Origination Characteristics
Origination Vintage	Period End Balance		Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien			Avg Refreshed FICO
pre-2003		$62		77.6	%		691		17.9	%		62.1	%		66.8	%		688
2003		177		72.5	%		723		3.2	%		44.1	%		77.6	%		731
2004		105		73.9	%		712		7.6	%		50.5	%		71.7	%		710
2005		288		83.2	%		721		26.4	%		20.8	%		27.8	%		716
2006		314		79.0	%		721		4.7	%		24.0	%		24.3	%		707
2007		441		82.2	%		730		16.4	%		23.9	%		24.7	%		715
2008		166		77.2	%		736		6.0	%		77.1	%		78.3	%		730
2009		109		71.5	%		751		0.0	%		89.9	%		82.5	%		754
2010		207		85.4	%		748		0.0	%		88.7	%		97.4	%		752
2011		272		82.7	%		756		0.0	%		90.1	%		98.0	%		754
Total		$2,141		80.0	%		732		9.2	%		49.8	%		56.4	%		726

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


Permanent Mortgage (Dollars in millions)			Origination Characteristics
Origination Vintage	Period End Balance ^(a)		Avg orig CLTV			Avg orig FICO		% Broker			% TN			% 1st Lien			Avg Refreshed FICO
pre-2004		$152		67.4	%		726		47.1	%		10.1	%		100.0	%		733
2004		10		84.0	%		711		21.9	%		16.7	%		100.0	%		688
2005		52		79.4	%		736		39.1	%		2.8	%		98.9	%		729
2006		98		76.4	%		730		39.3	%		2.0	%		96.6	%		696
2007		274		74.9	%		728		56.5	%		1.1	%		96.1	%		693
2008		294		79.2	%		731		57.0	%		0.6	%		99.9	%		687
Total		$880		77.0	%		729		51.7	%		2.6	%		98.0	%		700

(a)	Includes $42.4 million of restricted loan balances and first lien mortgages recognized through the exercise of cleanup calls for certain proprietary first lien securitization trusts.

Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes


	September 30, 2011
(Dollars in millions)	Credit Card		Other
Accruing delinquent balances:
30-89 days past due		$1.8		$0.6
90+ days past due		1.4		0.1
Total		$3.2		$0.7

Accruing And Non-Accruing Loans By Class


	Accruing								Non-Accruing
(Dollars in thousands)	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		Total Loans
Commercial (C&I) :
General C&I		$6,068,266		$28,618		$4,181		$6,101,065		$52,141		$12,844		$51,323		$116,308		$6,217,373
Loans to mortgage companies		1,065,823		174		-		1,065,997		-		-		491		491		1,066,488
TRUPS ^(a)		338,180		-		-		338,180		-		-		83,708		83,708		421,888
Total commercial (C&I)		7,472,269		28,792		4,181		7,505,242		52,141		12,844		135,522		200,507		7,705,749

Commercial real estate:
Income CRE		1,187,094		18,634		256		1,205,984		18,409		8,093		54,197		80,699		1,286,683
Residential CRE		85,823		869		-		86,692		34,874		1,237		18,854		54,965		141,657
Total commercial real estate		1,272,917		19,503		256		1,292,676		53,283		9,330		73,051		135,664		1,428,340

Consumer real estate:
HELOC ^(b)		3,692,346		46,053		22,574		3,760,973		17,098		1,143		7,835		26,076		3,787,049
R/E installment loans		2,086,734		26,275		9,126		2,122,135		13,505		2,919		2,702		19,126		2,141,261
Total consumer real estate		5,779,080		72,328		31,700		5,883,108		30,603		4,062		10,537		45,202		5,928,310

Permanent mortgage^(b)		808,293		31,724		13,205		853,222		8,214		448		18,575		27,237		880,459

Credit card & other
Credit card		198,569		1,816		1,377		201,762		-		-		-		-		201,762
Other ^(c)		91,064		602		71		91,737		5		-		5,040		5,045		96,782
Total credit card & other		289,633		2,418		1,448		293,499		5		-		5,040		5,045		298,544
Total loans, net of unearned		$15,622,192		$154,765		$50,790		$15,827,747		$144,246		$26,684		$242,725		$413,655		$16,241,402

(a)	Includes LOCOM valuation allowance $35.3 million.

(b)	Includes restricted loans.

(c)	Includes OTC and non real estate installment loans.

The following table reflects accruing and non-accruing loans by class on September 30, 2010:


	Accruing								Non-Accruing
(Dollars in thousands)	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		Total Loans
Commercial (C&I) :
General C&I		$5,591,429		$34,956		$2,486		$5,628,871		$117,246		$14,322		$53,740		$185,308		$5,814,179
Loans to mortgage companies		1,091,160		-		-		1,091,160		-		-		1,925		1,925		1,093,085
TRUPS ^(a)		359,339		-		12,500		371,839		-		-		57,883		57,883		429,722
Total commercial (C&I)		7,041,928		34,956		14,986		7,091,870		117,246		14,322		113,548		245,116		7,336,986

Commercial real estate:
Income CRE		1,334,071		30,639		311		1,365,021		26,433		13,330		114,158		153,921		1,518,942
Residential CRE		170,332		2,754		268		173,354		31,715		708		117,948		150,371		323,725
Total commercial real estate		1,504,403		33,393		579		1,538,375		58,148		14,038		232,106		304,292		1,842,667
Consumer real estate:
HELOC ^(b)		4,102,179		59,883		33,707		4,195,769		6,503		1,289		7,045		14,837		4,210,606
R/E installment loans		2,246,631		38,349		13,979		2,298,959		10,943		577		2,428		13,948		2,312,907
Total consumer real estate		6,348,810		98,232		47,686		6,494,728		17,446		1,866		9,473		28,785		6,523,513
Permanent mortgage^(b)		849,345		30,872		23,143		903,360		16,529		3,334		106,735		126,598		1,029,958

Credit card & other
Credit card		187,464		1,982		1,772		191,218		-		-		-		-		191,218
Other ^(c)		102,326		2,217		229		104,772		-		-		30,375		30,375		135,147
Total credit card & other		289,790		4,199		2,001		295,990		-		-		30,375		30,375		326,365
Total loans, net of unearned		$16,034,276		$201,652		$88,395		$16,324,323		$209,369		$33,560		$492,237		$735,166		$17,059,489

(a)	Includes LOCOM valuation allowance $35.6 million.

(b)	Includes restricted loans.

(c)	Includes OTC. All nonaccruing balances reflect OTC.

Financing Receivables, Troubled Debt Restructurings


	Three Months Ended September 30, 2011						Nine Months Ended September 30, 2011
(Dollars in thousands)	Number		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I		4		$1,563		$1,549		14		$13,374		$13,356
Loans to Mortgage Companies		-		-		-		-		-		-
TRUPS		-		-		-		-		-		-
Total commercial (C&I)		4		1,563		1,549		14		13,374		13,356

Commercial real estate:
Income CRE		2		3,759		3,748		9		10,290		10,210
Residential CRE		2		732		739		5		2,435		2,510
Total commercial real estate		4		4,491		4,487		14		12,725		12,720

Consumer real estate:
HELOC		59		9,072		9,030		168		20,918		20,817
R/E installment loans		63		15,258		15,391		146		20,650		20,856
Total consumer real estate		122		24,330		24,421		314		41,568		41,673

Permanent mortgage		-		-		-		85		54,403		57,291

Credit card & other:
Credit card		24		105		102		72		312		301
Other		-		-		-		-		-		-
Total credit card & other		24		105		102		72		312		301
Total troubled debt restructurings		154		$30,489		$30,559		499		$122,382		$125,341

Financing Receivables Reflects Troubled Debt Restructurings Within The Previous 12 Months Payment


	Three Months Ended September 30, 2011				Nine Months Ended September 30, 2011
(Dollars in thousands)	Number		Recorded Investment		Number		Recorded Investment
Commercial (C&I):
General C&I		19		$13,978		40		$30,348
Loans to Mortgage Companies		-		-		-		-
TRUPS		-		-		-		-
Total commercial (C&I)		19		13,978		40		30,348

Commercial real estate:
Income CRE		7		12,134		23		24,427
Residential CRE		3		766		15		18,290
Total commercial real estate		10		12,900		38		42,717

Consumer real estate:
HELOC		7		1,088		32		5,081
R/E installment loans		5		566		23		2,033
Total consumer real estate		12		1,654		55		7,114

Permanent mortgage		4		2,970		36		37,448

Credit card & other:
Credit card		1		72		35		3,766
Other		-		-		-		-
Total credit card & other		1		72		35		3,766
Total troubled debt restructurings		46		$31,574		204		$121,393