CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating Activities
Net income	$ 53	$ 93
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	15	1
Provision for credit losses	18	6
Deferred tax expense (benefit)	5	(1)
Loans originated for sale	(354)	(566)
Loans sold	410	550
Net gain on sale of loans	(15)	(16)
Net change in:
Interest receivable	2	1
Interest payable	(2)	(4)
Bank owned life insurance, excluding purchases	(1)	0
Other, net	227	151
Net cash flows provided by operating activities	358	215
Investing Activities
Net change in loans and leases, excluding sales and transfers	(74)	(59)
Debt securities available for sale:
Purchases	(398)	(567)
Sales	287	0
Maturities/payments	244	835
Debt securities held to maturity:
Purchases	(243)	(365)
Maturities/payments	190	188
Increase in premises and equipment	(27)	(8)
Net cash received in business acquisition	75	0
Net cash flows provided by investing activities	54	24
Financing Activities
Demand (non-interest bearing and interest bearing) and savings accounts	478	1,510
Time deposits	(131)	(278)
Short-term borrowings	(125)	(117)
Proceeds from issuance of long-term borrowings	3	4
Repayment of long-term borrowings	(206)	(7)
Repurchases of common stock	(30)	(36)
Cash dividends paid:
Preferred stock	(2)	(2)
Common stock	(43)	(39)
Other, net	8	11
Net cash flows (used in) provided by financing activities	(48)	1,046
Net Increase in Cash and Cash Equivalents	364	1,285
Cash and cash equivalents at beginning of period	3,493	1,383
Cash and Cash Equivalents at End of Period	$ 3,857	$ 2,668