CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Operating Activities
Net income	$ 306	$ 214
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	(1)	5
Provision for credit losses	3	105
Deferred tax expense (benefit)	8	(24)
Loans originated for sale	(1,593)	(1,351)
Loans sold	1,533	1,258
Net gain on sale of loans	(39)	(28)
Net change in:
Interest receivable	14	18
Interest payable	(5)	(7)
Bank owned life insurance, excluding purchases	4	(6)
Other, net	154	(265)
Net cash flows provided by (used in) operating activities	384	(81)
Investing Activities
Net change in loans and leases, excluding sales and transfers	800	(2,809)
Debt securities available for sale:
Purchases	(1,207)	(1,168)
Maturities/payments	1,415	1,429
Debt securities held to maturity:
Purchases	(993)	(163)
Maturities/payments	652	469
Increase in premises and equipment	(43)	(33)
Other, net	0	1
Net cash flows provided by (used in) investing activities	624	(2,274)
Financing Activities
Demand (non-interest bearing and interest bearing) and savings accounts	2,939	4,753
Time deposits	(617)	(702)
Short-term borrowings	(240)	(1,316)
Proceeds from issuance of long-term borrowings	18	322
Repayment of long-term borrowings	(227)	(266)
Repurchases of common stock	(43)	(25)
Cash dividends paid:
Preferred stock	(6)	(6)
Common stock	(117)	(118)
Other, net	12	14
Net cash flows provided by financing activities	1,719	2,656
Net Increase in Cash and Cash Equivalents	2,727	301
Cash and cash equivalents at beginning of period	1,383	599
Cash and Cash Equivalents at End of Period	$ 4,110	$ 900