CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Operating Activities
Net income	$ 300	$ 306
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	54	(1)
Provision for credit losses	36	3
Deferred tax expense (benefit)	9	8
Loans originated for sale	(836)	(1,593)
Loans sold	1,011	1,533
Net gain on sale of loans	(29)	(39)
Net change in:
Interest receivable	(19)	14
Interest payable	4	(5)
Bank owned life insurance, excluding purchases	(4)	4
Other, net	515	154
Net cash flows provided by (used in) operating activities	1,041	384
Investing Activities
Net change in loans and leases, excluding sales and transfers	(2,012)	800
Debt securities available for sale:
Purchases	(919)	(1,207)
Sales	287	0
Maturities/payments	598	1,415
Debt securities held to maturity:
Purchases	(845)	(993)
Maturities/payments	481	652
Increase in premises and equipment	(78)	(43)
Net cash received in business acquisition	75	0
Net cash flows provided by (used in) investing activities	(2,413)	624
Financing Activities
Demand (non-interest bearing and interest bearing) and savings accounts	517	2,939
Time deposits	(180)	(617)
Short-term borrowings	(155)	(240)
Proceeds from issuance of long-term borrowings	367	18
Repayment of long-term borrowings	(223)	(227)
Repurchases of common stock	(43)	(43)
Cash dividends paid:
Preferred stock	(6)	(6)
Common stock	(129)	(117)
Other, net	7	12
Net cash flows provided by (used in) financing activities	155	1,719
Net Increase (Decrease) in Cash and Cash Equivalents	(1,217)	2,727
Cash and cash equivalents at beginning of period	3,493	1,383
Cash and Cash Equivalents at End of Period	$ 2,276	$ 4,110