XML 107 R87.htm IDEA: XBRL DOCUMENT v3.22.4
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Changes in Allowance for Credit Losses (Detail) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year $ 344.0      
Provision for credit losses 64.2 $ 0.6 $ 123.0  
Balance at End of Year 402.0 344.0    
Unfunded loan commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 19.1 13.6 3.0  
Charge- Offs 0.0 0.0 0.0  
Recoveries 0.0 0.0 0.0  
Net Charge- Offs 0.0 0.0 0.0  
Provision for credit losses 2.3 5.5 1.0  
Initial ACL on PCD Loans       $ 0.0
Allowance for PCD Loans and Leases at Acquisition 0.0      
Balance at End of Year 21.4 19.1 13.6  
Unfunded loan commitment | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       10.0
Total commercial loans and leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 261.2 280.4 133.0  
Charge- Offs (23.4) (27.0) (68.0)  
Recoveries 11.0 15.1 15.0  
Net Charge- Offs (12.4) (11.9) (53.0)  
Provision for credit losses 23.4 (7.3) 119.0  
Initial ACL on PCD Loans       44.0
Allowance for PCD Loans and Leases at Acquisition 9.5      
Balance at End of Year 281.7 261.2 280.4  
Total commercial loans and leases | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       37.0
Total commercial loans and leases | Commercial real estate        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 156.5 180.5 60.0  
Charge- Offs (12.5) (8.8) (31.0)  
Recoveries 4.1 6.3 7.0  
Net Charge- Offs (8.4) (2.5) (24.0)  
Provision for credit losses 8.0 (21.5) 67.0  
Initial ACL on PCD Loans       40.0
Allowance for PCD Loans and Leases at Acquisition 6.0      
Balance at End of Year 162.1 156.5 180.5  
Total commercial loans and leases | Commercial real estate | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       38.0
Total commercial loans and leases | Commercial and industrial        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 87.4 81.2 53.0  
Charge- Offs (7.4) (15.7) (32.0)  
Recoveries 5.9 6.6 7.0  
Net Charge- Offs (1.5) (9.1) (25.0)  
Provision for credit losses 12.7 15.3 41.0  
Initial ACL on PCD Loans       4.0
Allowance for PCD Loans and Leases at Acquisition 3.5      
Balance at End of Year 102.1 87.4 81.2  
Total commercial loans and leases | Commercial and industrial | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       8.0
Total commercial loans and leases | Commercial leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 14.7 17.3 11.0  
Charge- Offs (0.1) (0.2) (1.0)  
Recoveries 0.0 0.9 0.0  
Net Charge- Offs (0.1) 0.7 (1.0)  
Provision for credit losses (1.1) (3.3) 7.0  
Initial ACL on PCD Loans       0.0
Allowance for PCD Loans and Leases at Acquisition 0.0      
Balance at End of Year 13.5 14.7 17.3  
Total commercial loans and leases | Commercial leases | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       0.0
Total commercial loans and leases | Other        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 2.6 1.4 9.0  
Charge- Offs (3.4) (2.3) (4.0)  
Recoveries 1.0 1.3 1.0  
Net Charge- Offs (2.4) (1.0) (3.0)  
Provision for credit losses 3.8 2.2 4.0  
Initial ACL on PCD Loans       0.0
Allowance for PCD Loans and Leases at Acquisition 0.0      
Balance at End of Year 4.0 2.6 1.4  
Total commercial loans and leases | Other | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       (9.0)
Total commercial loans and leases | Unfunded loan commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Provision for credit losses 2.0 5.0 1.0  
Total commercial loans and leases | Unfunded loan commitment | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact   0.0 0.0 8.0
Total consumer loans        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 83.1 82.7 63.0  
Charge- Offs (8.3) (7.2) (13.0)  
Recoveries 4.5 5.2 6.0  
Net Charge- Offs (3.8) (2.0) (7.0)  
Provision for credit losses 38.4 2.4 3.0  
Initial ACL on PCD Loans       6.0
Allowance for PCD Loans and Leases at Acquisition 2.3      
Balance at End of Year 120.0 83.1 82.7  
Total consumer loans | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       18.0
Total consumer loans | Direct installment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 26.4 26.0 13.0  
Charge- Offs (0.6) (1.4) (1.0)  
Recoveries 0.7 1.0 1.0  
Net Charge- Offs 0.1 (0.4) 0.0  
Provision for credit losses 8.9 0.8 2.0  
Initial ACL on PCD Loans       1.0
Allowance for PCD Loans and Leases at Acquisition 0.5      
Balance at End of Year 35.9 26.4 26.0  
Total consumer loans | Direct installment | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       10.0
Total consumer loans | Residential mortgages        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 33.1 33.7 22.0  
Charge- Offs (0.6) (1.0) (2.0)  
Recoveries 0.5 0.6 1.0  
Net Charge- Offs (0.1) (0.4) (1.0)  
Provision for credit losses 21.2 (0.2) 3.0  
Initial ACL on PCD Loans       4.0
Allowance for PCD Loans and Leases at Acquisition 1.3      
Balance at End of Year 55.5 33.1 33.7  
Total consumer loans | Residential mortgages | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       6.0
Total consumer loans | Indirect installment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 13.5 11.2 19.0  
Charge- Offs (6.1) (3.1) (8.0)  
Recoveries 2.2 2.2 4.0  
Net Charge- Offs (3.9) (0.9) (4.0)  
Provision for credit losses 7.7 3.2 (6.0)  
Initial ACL on PCD Loans       0.0
Allowance for PCD Loans and Leases at Acquisition 0.0      
Balance at End of Year 17.3 13.5 11.2  
Total consumer loans | Indirect installment | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       2.0
Total consumer loans | Consumer lines of credit        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 10.1 11.8 9.0  
Charge- Offs (1.0) (1.7) (2.0)  
Recoveries 1.1 1.4 0.0  
Net Charge- Offs 0.1 (0.3) (2.0)  
Provision for credit losses 0.6 (1.4) 4.0  
Initial ACL on PCD Loans       1.0
Allowance for PCD Loans and Leases at Acquisition 0.5      
Balance at End of Year 11.3 10.1 11.8  
Total consumer loans | Consumer lines of credit | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       0.0
Total consumer loans | Unfunded loan commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Provision for credit losses 0.0 0.0 0.0  
Total consumer loans | Unfunded loan commitment | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact   0.0 0.0 2.0
Allowance for credit losses on loans and leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 344.3 363.1 196.0  
Charge- Offs (31.7) (34.2) (81.0)  
Recoveries 15.5 20.3 21.0  
Net Charge- Offs (16.2) (13.9) (60.0)  
Provision for credit losses 61.8 (4.9) 122.0  
Initial ACL on PCD Loans       50.0
Allowance for PCD Loans and Leases at Acquisition 11.8      
Balance at End of Year 401.7 344.3 363.1  
Allowance for credit losses on loans and leases | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       55.0
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Year 363.4 376.7 199.0  
Charge- Offs (31.7) (34.2) (81.0)  
Recoveries 15.5 20.3 21.0  
Net Charge- Offs (16.2) (13.9) (60.0)  
Provision for credit losses 64.1 0.6 123.0  
Initial ACL on PCD Loans       50.0
Allowance for PCD Loans and Leases at Acquisition 11.8      
Balance at End of Year $ 423.1 $ 363.4 $ 376.7  
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments | ASC 326 Adoption Impact        
Allowance for Loan and Lease Losses [Roll Forward]        
ASC 326 Adoption Impact       $ 65.0