CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating Activities
Net income	$ 214	$ 292
Adjustments to reconcile net income to net cash flows provided by operating activities:
Depreciation, amortization and accretion	5	33
Provision for Credit Losses	105	37
Deferred tax expense (benefit)	(24)	36
Loans originated for sale	(1,351)	(983)
Loans sold	1,258	984
Net gain on sale of loans	(28)	(17)
Net change in:
Interest receivable	18	(8)
Interest payable	(7)	2
Bank owned life insurance, excluding purchases	(6)	(5)
Other, net	(265)	(234)
Net cash flows (used in) provided by operating activities	(81)	137
Investing Activities
Net change in loans and leases, excluding sales and transfers	(2,809)	(1,200)
Debt securities available for sale:
Purchases	(1,168)	(395)
Maturities/payments	1,429	543
Debt securities held to maturity:
Purchases	(163)	(264)
Maturities/payments	469	323
Increase in premises and equipment	(33)	(31)
Loans sold, not originated for sale	0	262
Other, net	1	(9)
Net cash flows used in investing activities	(2,274)	(771)
Financing Activities
Demand (non-interest bearing and interest bearing) and savings accounts	4,753	1,286
Time deposits	(702)	(145)
Short-term borrowings	(1,316)	(984)
Proceeds from issuance of long-term borrowings	322	947
Repayment of long-term borrowings	(266)	(232)
Repurchases of common stock	(25)	0
Other, net	14	7
Cash dividends paid:
Preferred stock	(6)	(6)
Common stock	(118)	(118)
Net cash flows provided by financing activities	2,656	755
Net Increase in Cash and Cash Equivalents	301	121
Cash and cash equivalents at beginning of period	599	488
Cash and Cash Equivalents at End of Period	$ 900	$ 609