CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Operating Activities
Net income	$ 289	$ 162
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	42	35
Provision for credit losses	33	24
Deferred tax expense (benefit)	(3)	8
Loans originated for sale	(458)	(613)
Loans sold	459	774
Net (gain) loss on sale of loans	3	(30)
Net change in:
Interest receivable	(11)	(4)
Interest payable	24	1
Bank owned life insurance, excluding purchases	(5)	(1)
Other, net	(224)	336
Net cash flows (used in) provided by operating activities	149	692
Investing Activities
Net change in loans and leases, excluding sales and transfers	(1,092)	(1,275)
Debt securities available for sale:
Purchases	(135)	(773)
Sales	0	287
Maturities/payments	234	430
Debt securities held to maturity:
Purchases	(75)	(636)
Maturities/payments	175	354
Increase in premises and equipment	(60)	(50)
Net cash received in business acquisition	0	75
Net cash flows (used in) provided by investing activities	(953)	(1,588)
Financing Activities
Demand (non-interest bearing and interest bearing) and savings accounts	(2,668)	(40)
Time deposits	1,721	(36)
Short-term borrowings	1,019	(160)
Proceeds from issuance of long-term borrowings	1,220	11
Repayment of long-term borrowings	(332)	(214)
Repurchases of common stock	(37)	(43)
Cash dividends paid:
Preferred stock	(4)	(4)
Common stock	(87)	(86)
Other, net	2	4
Net cash flows provided by (used in) financing activities	834	(568)
Net Increase (Decrease) in Cash and Cash Equivalents	30	(1,464)
Cash and cash equivalents at beginning of period	1,674	3,493
Cash and Cash Equivalents at End of Period	$ 1,704	$ 2,029