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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2018
Receivables [Abstract]  
Summary of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the allowance for credit losses, by loan and lease class:
TABLE 7.1
(in millions)
Balance at
Beginning
of Year
 
Charge-
Offs
 
Recoveries
 
Net
Charge-
Offs
 
Provision
for Credit
Losses
 
Balance at
End of
Year
Year Ended December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
$
50

 
$
(7
)
 
$
3

 
$
(4
)
 
$
9

 
$
55

Commercial and industrial
52

 
(20
)
 
2

 
(18
)
 
15

 
49

Commercial leases
5

 
(3
)
 
—

 
(3
)
 
6

 
8

Other
2

 
(4
)
 
—

 
(4
)
 
4

 
2

Total commercial loans and leases
109

 
(34
)
 
5

 
(29
)
 
34

 
114

Direct installment
21

 
(17
)
 
2

 
(15
)
 
8

 
14

Residential mortgages
16

 
—

 
—

 
—

 
4

 
20

Indirect installment
12

 
(9
)
 
4

 
(5
)
 
8

 
15

Consumer lines of credit
10

 
(3
)
 
—

 
(3
)
 
3

 
10

Total consumer loans
59

 
(29
)
 
6

 
(23
)
 
23

 
59

Total allowance on originated loans
168

 
(63
)
 
11

 
(52
)
 
57

 
173

Purchased credit-impaired loans
1

 
—

 
—

 
—

 
—

 
1

Other loans acquired in a business combination
6

 
(7
)
 
3

 
(4
)
 
4

 
6

Total allowance on loans acquired in a business combination
7

 
(7
)
 
3

 
(4
)
 
4

 
7

Total allowance for credit losses
$
175

 
$
(70
)
 
$
14

 
$
(56
)
 
$
61

 
$
180

(in millions)
Balance at
Beginning
of Year
 
Charge-
Offs
 
Recoveries
 
Net
Charge-
Offs
 
Provision
for Credit
Losses
 
Balance at
End of
Year
Year Ended December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
$
47

 
$
(2
)
 
$
2

 
$
—

 
$
3

 
$
50

Commercial and industrial
48

 
(27
)
 
2

 
(25
)
 
29

 
52

Commercial leases
3

 
(1
)
 
—

 
(1
)
 
3

 
5

Other
1

 
(4
)
 
1

 
(3
)
 
4

 
2

Total commercial loans and leases
99

 
(34
)
 
5

 
(29
)
 
39

 
109

Direct installment
21

 
(12
)
 
2

 
(10
)
 
10

 
21

Residential mortgages
10

 
—

 
—

 
—

 
6

 
16

Indirect installment
11

 
(10
)
 
4

 
(6
)
 
7

 
12

Consumer lines of credit
10

 
(2
)
 
—

 
(2
)
 
2

 
10

Total consumer loans
52

 
(24
)
 
6

 
(18
)
 
25

 
59

Total allowance on originated loans
151

 
(58
)
 
11

 
(47
)
 
64

 
168

Purchased credit-impaired loans
1

 
(1
)
 
—

 
(1
)
 
1

 
1

Other loans acquired in a business combination
6

 
(1
)
 
5

 
4

 
(4
)
 
6

Total allowance on loans acquired in a business combination
7

 
(2
)
 
5

 
3

 
(3
)
 
7

Total allowance for credit losses
$
158

 
$
(60
)
 
$
16

 
$
(44
)
 
$
61

 
$
175

Year Ended December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
$
42

 
$
(7
)
 
$
4

 
$
(3
)
 
$
8

 
$
47

Commercial and industrial
41

 
(19
)
 
2

 
(17
)
 
24

 
48

Commercial leases
2

 
(1
)
 
—

 
(1
)
 
2

 
3

Other
1

 
(3
)
 
—

 
(3
)
 
3

 
1

Total commercial loans and leases
86

 
(30
)
 
6

 
(24
)
 
37

 
99

Direct installment
21

 
(10
)
 
2

 
(8
)
 
8

 
21

Residential mortgages
8

 
—

 
—

 
—

 
2

 
10

Indirect installment
10

 
(8
)
 
2

 
(6
)
 
7

 
11

Consumer lines of credit
10

 
(2
)
 
—

 
(2
)
 
2

 
10

Total consumer loans
49

 
(20
)
 
4

 
(16
)
 
19

 
52

Total allowance on originated loans
135

 
(50
)
 
10

 
(40
)
 
56

 
151

Purchased credit-impaired loans
1

 
—

 
—

 
—

 
—

 
1

Other loans acquired in a business combination
6

 
(1
)
 
1

 
—

 
—

 
6

Total allowance on loans acquired in a business combination
7

 
(1
)
 
1

 
—

 
—

 
7

Total allowance for credit losses
$
142

 
$
(51
)
 
$
11

 
$
(40
)
 
$
56

 
$
158
Summary of Individual and Collective Allowance for Credit Losses and Loan and Lease Balances by Class
Following is a summary of the individual and collective allowance for credit losses and corresponding loan and lease balances by class:
TABLE 7.2
 
Allowance
 
Loans and Leases Outstanding
(in millions)
Individually
Evaluated
for
Impairment
 
Collectively
Evaluated
for
Impairment
 
Loans and
Leases
 
Individually
Evaluated
for
Impairment
 
Collectively
Evaluated
for
Impairment
December 31, 2018
 
 
 
 
 
 
 
 
 
Commercial real estate
$
—

 
$
55

 
$
6,171

 
$
7

 
$
6,164

Commercial and industrial
4

 
49

 
4,140

 
11

 
4,129

Commercial leases
—

 
9

 
373

 
—

 
373

Other
—

 
2

 
46

 
—

 
46

Total commercial loans and leases
4

 
115

 
10,730

 
18

 
10,712

Direct installment
—

 
14

 
1,668

 
—

 
1,668

Residential mortgages
—

 
19

 
2,612

 
—

 
2,612

Indirect installment
—

 
15

 
1,933

 
—

 
1,933

Consumer lines of credit
—

 
10

 
1,119

 
—

 
1,119

Total consumer loans
—

 
58

 
7,332

 
—

 
7,332

Total
$
4

 
$
173

 
$
18,062

 
$
18

 
$
18,044

December 31, 2017
 
 
 
 
 
 
 
 
 
Commercial real estate
$
1

 
$
50

 
$
5,175

 
$
11

 
$
5,164

Commercial and industrial
3

 
49

 
3,495

 
10

 
3,485

Commercial leases
—

 
5

 
267

 
—

 
267

Other
—

 
2

 
17

 
—

 
17

Total commercial loans and leases
4

 
106

 
8,954

 
21

 
8,933

Direct installment
—

 
21

 
1,756

 
—

 
1,756

Residential mortgages
—

 
16

 
2,036

 
—

 
2,036

Indirect installment
—

 
12

 
1,448

 
—

 
1,448

Consumer lines of credit
—

 
10

 
1,152

 
—

 
1,152

Total consumer loans
—

 
59

 
6,392

 
—

 
6,392

Total
$
4

 
$
165

 
$
15,346

 
$
21

 
$
15,325


The above table excludes loans acquired in a business combination that were pooled into groups of loans for evaluating impairment.