Loans (Tables)

3 Months Ended

Mar. 31, 2012

Loans [Abstract]

Schedule Of Loans By Portfolio Segment

	March 31				December 31
(Dollars in thousands)	2012		2011		2011
Commercial:
Commercial, financial, and industrial	$	7,705,153	$	6,808,163	$	8,014,927
Commercial real estate
Income CRE		1,247,089		1,397,741		1,257,497
Residential CRE		99,837		221,113		120,913
Retail:
Consumer real estate		5,391,801		5,487,370		5,291,364
Permanent mortgage		750,723		1,037,611		787,597
Credit card & other		271,730		298,057		284,051
Restricted real estate loans and secured borrowings(a)		504,997		722,317		640,778
Loans, net of unearned income	$	15,971,330	$	15,972,372	$	16,397,127
Allowance for loan losses		346,016		589,128		384,351
Total net loans	$	15,625,314	$	15,383,244	$	16,012,776

(a) Balances as of March 31, 2012 and 2011, and December 31, 2011, include $467.0 million, $672.4 million, and $600.2 million of consumer real estate loans and $38.0 million, $49.9 million, and $40.6 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, 2011	$	239,469		$	155,085		$	192,350		$	65,009		$	12,886		$	664,799
Charge-offs		(12,059	)		(14,286	)		(47,238	)		(9,417	)		(4,352	)		(87,352	)
Recoveries		1,956			3,315			3,782			550			1,078			10,681
Provision		(8,766	)		(20,634	)		30,500			(502	)		402			1,000
Balance as of March 31, 2011 (a) (b)		220,600			123,480			179,394			55,640			10,014			589,128
Allowance—individually evaluated for impairment		56,962			11,255			20,968			14,248			449			103,882
Allowance—collectively evaluated for impairment		163,638			112,225			158,426			41,392			9,565			485,246
																	—
Loans, net of unearned as of March 31, 2011:
Individually evaluated for impairment		214,167			221,400			78,571			103,890			1,314			619,342
Collectively evaluated for impairment		6,593,996			1,397,454			6,081,203			983,634			296,743			15,353,030
Total loans, net of unearned (a) (b)		6,808,163			1,618,854			6,159,774			1,087,524			298,057			15,972,372
Balance as of January 1, 2012		130,413			55,586			165,077			26,194			7,081			384,351
Charge-offs		(6,074	)		(9,619	)		(34,133	)		(4,638	)		(2,619	)		(57,083	)
Recoveries		4,514			496			4,139			523			1,076			10,748
Provision		(9,275	)		(414	)		6,564			10,493			632			8,000
Balance as of March 31, 2012 (a) (b)		119,578			46,049			141,647			32,572			6,170			346,016
Allowance—individually evaluated for impairment		29,148			7,975			32,384			16,639			241			86,387
Allowance—collectively evaluated for impairment		90,430			38,074			109,263			15,933			5,929			259,629
Loans, net of unearned as of March 31, 2012:
Individually evaluated for impairment		157,126			110,123			117,556			102,033			1,028			487,866
Collectively evaluated for impairment		7,548,027			1,236,803			5,741,265			686,667			270,702			15,483,464
Total loans, net of unearned (a) (b)	$	7,705,153		$	1,346,926		$	5,858,821		$	788,700		$	271,730		$	15,971,330

(a) Balances as of March 31, 2012 and 2011 include $20.1 million and $36.5 million of reserves, respectively, and $467.0 million and $672.4 million of balances in restricted consumer real estate loans and secured borrowings, respectively.

(b) Balances as of March 31, 2012 and 2011 include $5.4 million and $3.3 million of reserves, respectively, and $38.0 million and $49.9 million of balances in restricted permanent mortgage loans and secured borrowings, respectively.

Information By Class Related To Individually Impaired Loans

	March, 31, 2012
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	63,595	$	80,563	$	—	$	69,288	$	203
TRUPs		47,000		47,000		—		47,000		—
Income CRE		64,190		111,789		—		65,921		77
Residential CRE		24,210		41,518		—		24,250		72
Total	$	198,995	$	280,870	$	—	$	206,459	$	352
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	12,831	$	12,993	$	5,322	$	13,637	$	34
TRUPs		33,700		33,700		23,825		33,700		—
Income CRE		2,208		2,208		446		2,215		15
Residential CRE		19,515		19,515		7,530		20,334		—
Total	$	68,254	$	68,416	$	37,123	$	69,886	$	49
Retail:
HELOC	$	52,411	$	52,411	$	14,165	$	51,165	$	373
R/E installment loans		65,145		65,145		18,135		67,676		265
Permanent mortgage		102,033		102,033		16,722		87,548		656
Credit card & other		1,028		1,028		241		1,073		11
Total	$	220,617	$	220,617	$	49,263	$	207,462	$	1,305
Total commercial	$	267,249	$	349,286	$	37,123	$	276,345	$	401
Total retail	$	220,617	$	220,617	$	49,263	$	207,462	$	1,305
Total impaired loans	$	487,866	$	569,903	$	86,386	$	483,807	$	1,706

	March 31, 2011
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	90,225	$	112,750	$	—	$	66,045	$	257
TRUPs		38,000		38,000		—		33,000		—
Income CRE		123,269		200,128		—		115,578		139
Residential CRE		64,222		116,748		—		61,812		75
Total	$	315,716	$	467,626	$	—	$	276,435	$	471
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	55,942	$	62,871	$	29,696	$	84,741	$	60
TRUPs		30,000		30,000		27,266		30,000		—
Income CRE		11,603		11,603		3,378		23,072		—
Residential CRE		22,306		22,306		7,877		31,310		—
Total	$	119,851	$	126,780	$	68,217	$	169,123	$	60
Retail:
HELOC	$	30,398	$	30,398	$	10,073	$	27,886	$	140
R/E installment loans		48,173		48,173		10,895		46,286		162
Permanent mortgage		103,890		103,890		14,248		100,328		480
Credit card & other		1,314		1,314		449		1,039		12
Total	$	183,775	$	183,775	$	35,665	$	175,539	$	794
Total commercial	$	435,567	$	594,406	$	68,217	$	445,558	$	531
Total retail	$	183,775	$	183,775	$	35,665	$	175,539	$	794
Total impaired loans	$	619,342	$	778,181	$	103,882	$	621,097	$	1,325

 Certain previously reported amounts have been reclassified to agree with current presentation.

Balances Of Commercial Loan Portfolio Classes, Disaggregated By PD Grade

	March 31, 2012
(Dollars in millions)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percent of Total			Allowance for Loan Losses
PD Grade:
1	$	185	$	—	$	—	$	—	$	—	$	185		2	%	$	—
2		189		—		—		3		—		192		2			—
3		163		—		—		21		—		184		2			—
4		216		—		—		6		—		222		2			—
5		384		—		—		31		—		415		5			1
6		883		123		—		97		4		1,107		12			4
7		886		434		—		214		6		1,540		17			9
8		979		367		—		151		—		1,497		16			13
9		609		128		—		158		3		898		10			12
10		491		19		—		94		2		606		7			9
11		464		—		—		125		1		590		7			12
12		153		—		—		16		3		172		2			4
13		226		—		334		67		8		635		7			12
14,15,16		311		—		4		198		29		542		6			53
Total loans collectively evaluated for impairment		6,139		1,071		338		1,181		56		8,785		97			129
Total loans individually evaluated for impairment		82		—		75		66		44		267		3			37
Total commercial loans	$	6,221	$	1,071	$	413	$	1,247	$	100	$	9,052		100	%	$	166

	March 31, 2011
(Dollars in millions)	General C&I		Loans to Mortgage Companies		TRUPS (a)		Income CRE		Residential CRE		Total		Percent of Total			Allowance for Loan Losses
PD Grade:
1	$	89	$	—	$	—	$	—	$	—	$	89		1	%	$	—
2		97		—		—		3		—		100		1			—
3		151		—		—		15		—		166		2			—
4		194		—		—		7		—		201		2			1
5		300		—		—		26		—		326		4			1
6		686		44		—		54		1		785		9			7
7		841		108		—		107		3		1,059		13			10
8		1,073		157		—		174		4		1,408		17			18
9		539		74		—		132		6		751		9			19
10		411		—		—		108		3		522		6			12
11		476		—		—		129		1		606		7			21
12		213		—		—		27		7		247		3			9
13		358		—		288		143		9		798		10			44
14,15,16		414		1		80		338		100		933		11			134
Total loans collectively evaluated for impairment		5,842		384		368		1,263		134		7,991		95			276
Total loans individually evaluated for impairment		152		—		62		135		87		436		5			68
Total commercial loans	$	5,994	$	384	$	430	$	1,398	$	221	$	8,427		100	%	$	344

(a) Balances as of March 31, 2012 and 2011 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)	March 31, 2012						March 31, 2011
Origination Vintage	Period End Balance (a)		Avg orig FICO		Avg Refreshed FICO		Period End Balance (a)		Avg orig FICO		Avg Refreshed FICO
pre-2003	$	168		722		715	$	218		724		720
2003		259		733		724		308		733		726
2004		566		728		718		662		728		721
2005		705		734		720		822		734		720
2006		524		741		724		610		742		727
2007		542		746		731		614		746		732
2008		286		755		749		314		755		751
2009		170		754		751		199		755		758
2010		168		755		755		199		757		757
2011		159		760		757		30		752		752
2012		35		762		758		—		—		—
Total	$	3,582		740		729	$	3,976		740		730

(a) Balances as of March 31, 2012 and 2011 include $467.0 million and $672.4 million of restricted loan and secured borrowing 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)	March 31, 2012						March 31, 2011
Origination Vintage	Period End Balance		Avg orig FICO		Avg Refreshed FICO		Period End Balance		Avg orig FICO		Avg Refreshed FICO
pre-2003	$	51		689		685	$	75		694		687
2003		147		722		730		206		724		732
2004		91		709		707		120		713		710
2005		254		720		713		322		722		713
2006		278		720		704		353		722		706
2007		389		729		712		489		731		715
2008		144		733		724		195		738		729
2009		85		750		748		125		753		752
2010		187		746		756		215		748		748
2011		462		761		758		84		755		754
2012		188		765		767		—		—		—
Total	$	2,276		737		729	$	2,184		730		722

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

Permanent Mortgage
(Dollars in millions)	March 31, 2012						March 31, 2011
Origination Vintage	Period End Balance (a)		Avg orig FICO		Avg Refreshed FICO		Period End Balance (a)		Avg orig FICO		Avg Refreshed FICO
pre-2004	$	153		725		733	$	146		724		736
2004		10		722		696		13		717		701
2005		54		739		718		64		737		719
2006		75		737		708		130		726		685
2007		390		734		700		395		726		678
2008		107		744		712		340		728		678
Total	$	789		734		711	$	1,088		727		693

(a) Balances as of March 31, 2012 and 2011 include $38.0 million and $49.9 million of restricted loan and secured borrowing balances.

Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes

	Credit Card				Other
(Dollars in millions)	March 31, 2012		March 31, 2011		March 31, 2012		March 31, 2011
Accruing delinquent balances:
30-89 days past due	$	1.4	$	1.7	$	0.5	$	0.9
90+ days past due		1.4		1.4		0.1		—
Total	$	2.8	$	3.1	$	0.6	$	0.9

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	$	6,112,259	$	29,520	$	540	$	6,142,319	$	35,470	$	13,202	$	30,608	$	79,280	$	6,221,599
Loans to mortgage companies		1,070,581		—		—		1,070,581		—		—		—		—		1,070,581
TRUPs (a)		338,180		—		—		338,180		—		—		74,793		74,793		412,973
Total commercial (C&I)		7,521,020		29,520		540		7,551,080		35,470		13,202		105,401		154,073		7,705,153
Commercial real estate:
Income CRE		1,168,182		9,160		—		1,177,342		23,289		2,701		43,757		69,747		1,247,089
Residential CRE		55,081		1,057		—		56,138		22,958		2,713		18,028		43,699		99,837
Total commercial real estate		1,223,263		10,217		—		1,233,480		46,247		5,414		61,785		113,446		1,346,926
Consumer real estate:
HELOC (b)		3,482,488		34,419		23,398		3,540,305		26,822		6,426		8,901		42,149		3,582,454
R/E installment loans		2,226,170		21,185		9,834		2,257,189		11,097		1,561		6,520		19,178		2,276,367
Total consumer real estate		5,708,658		55,604		33,232		5,797,494		37,919		7,987		15,421		61,327		5,858,821
Permanent mortgage (b)		735,156		8,454		8,900		752,510		14,401		987		20,802		36,190		788,700
Credit card & other
Credit card		179,744		1,368		1,456		182,568		—		—		—		—		182,568
Other		86,425		533		65		87,023		4		—		2,135		2,139		89,162
Total credit card & other		266,169		1,901		1,521		269,591		4		—		2,135		2,139		271,730
Total loans, net of unearned	$	15,454,266	$	105,696	$	44,193	$	15,604,155	$	134,041	$	27,590	$	205,544	$	367,175	$	15,971,330

(a) Includes LOCOM valuation allowance $34.2 million.

(b) Includes restricted real estate loans and secured borrowings.

The following table reflects accruing and non-accruing loans by class on March 31, 2011:

	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	$	5,813,511	$	29,641	$	1,478	$	5,844,630	$	85,803	$	5,867	$	58,623	$	150,293	$	5,994,923
Loans to mortgage companies		382,891		—		—		382,891		—		—		821		821		383,712
TRUPs (a)		367,291		—		—		367,291		—		—		62,237		62,237		429,528
Total commercial (C&I)		6,563,693		29,641		1,478		6,594,812		85,803		5,867		121,681		213,351		6,808,163
Commercial real estate:
Income CRE		1,241,297		15,648		60		1,257,005		35,308		5,892		99,536		140,736		1,397,741
Residential CRE		116,582		11,235		—		127,817		31,032		9,727		52,537		93,296		221,113
Total commercial real estate		1,357,879		26,883		60		1,384,822		66,340		15,619		152,073		234,032		1,618,854
Consumer real estate:
HELOC (b)		3,883,059		44,569		28,294		3,955,922		11,179		1,087		7,441		19,707		3,975,629
R/E installment loans		2,122,291		26,809		14,667		2,163,767		17,361		1,699		1,318		20,378		2,184,145
Total consumer real estate		6,005,350		71,378		42,961		6,119,689		28,540		2,786		8,759		40,085		6,159,774
Permanent mortgage (b)		894,682		30,734		27,692		953,108		29,650		4,295		100,471		134,416		1,087,524
Credit card & other
Credit card		185,265		1,658		1,443		188,366		—		—		—		—		188,366
Other		93,528		870		29		94,427		7		—		15,257		15,264		109,691
Total credit card & other		278,793		2,528		1,472		282,793		7		—		15,257		15,264		298,057
Total loans, net of unearned	$	15,100,397	$	161,164	$	73,663	$	15,335,224	$	210,340	$	28,567	$	398,241	$	637,148	$	15,972,372

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

(b) Includes restricted real estate loans and secured borrowings.

Schedule Of Troubled Debt Restructurings Occurring During The Year

	March 31, 2012
(Dollars in thousands)	Number		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial (C&I):
General C&I		4	$	583	$	576
Loans to Mortgage Companies		—		—		—
TRUPs		—		—		—
Total commercial (C&I)		4		583		576
Commercial real estate:
Income CRE		3		7,961		7,829
Residential CRE		1		50		50
Total commercial real estate		4		8,011		7,879
Consumer real estate:
HELOC		34		4,081		4,073
R/E installment loans		59		7,543		7,611
Total consumer real estate		93		11,624		11,684
Permanent mortgage		38		29,893		30,064
Credit card & other:
Credit card		22		91		87
Other		—		—		—
Total credit card & other		22		91		87
Total troubled debt restructurings		161	$	50,202	$	50,290

Schedule Of Troubled Debt Restructurings Within The Previous 12 Months

	March 31, 2012
(Dollars in thousands)	Number		Recorded Investment
Commercial (C&I):
General C&I		7	$	3,990
Loans to Mortgage Companies		—		—
TRUPs		—		—
Total commercial (C&I)		7		3,990
Commercial real estate:
Income CRE		5		2,358
Residential CRE		1		50
Total commercial real estate		6		2,408
Consumer real estate:
HELOC		10		1,210
R/E installment loans		18		1,706
Total consumer real estate		28		2,916
Permanent mortgage		—		—
Credit card & other:
Credit card		11		36
Other		—		—
Total credit card & other		11		36
Total troubled debt restructurings		52	$	9,350