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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2018
Receivables [Abstract]  
Changes in Allowance for Credit Losses by Segment
Changes in the allowance for credit losses by segment were as follows:

TABLE 68: CHANGES IN THE ALLOWANCE FOR CREDIT LOSSES
 
2018
2017
2016
(In Millions)
COMMERCIAL

PERSONAL

TOTAL

COMMERCIAL

PERSONAL

TOTAL

COMMERCIAL

PERSONAL

TOTAL

Balance at Beginning of Year
$
80.8

$
73.0

$
153.8

$
104.9

$
87.1

$
192.0

$
114.8

$
118.5

$
233.3

Charge-Offs
(0.9
)
(9.2
)
(10.1
)
(11.4
)
(10.1
)
(21.5
)
(16.6
)
(10.7
)
(27.3
)
Recoveries
1.7

7.3

9.0

5.5

5.8

11.3

4.8

7.3

12.1

 
 
 
 
 
 
 
 
 
 
Net (Charge-Offs) Recoveries
0.8

(1.9
)
(1.1
)
(5.9
)
(4.3
)
(10.2
)
(11.8
)
(3.4
)
(15.2
)
Provision for Credit Losses
(2.9
)
(11.6
)
(14.5
)
(18.2
)
(9.8
)
(28.0
)
2.0

(28.0
)
(26.0
)
Effects of Foreign Exchange Rates
—

—

—

—

—

—

(0.1
)
—

(0.1
)
 
 
 
 
 
 
 
 
 
 
Balance at End of Year
$
78.7

$
59.5

$
138.2

$
80.8

$
73.0

$
153.8

$
104.9

$
87.1

$
192.0

 
 
 
 
 
 
 
 
 
 
Allowance for Credit Losses Assigned to:
 
 
 
 
 
 
 
 
 
Loans and Leases
$
57.6

$
55.0

$
112.6

$
63.5

$
67.7

$
131.2

$
83.7

$
77.3

$
161.0

Undrawn Commitments and Standby Letters of Credit
21.1

4.5

25.6

17.3

5.3

22.6

21.2

9.8

31.0

 
 
 
 
 
 
 
 
 
 
Total Allowance for Credit Losses
$
78.7

$
59.5

$
138.2

$
80.8

$
73.0

$
153.8

$
104.9

$
87.1

$
192.0
Allowances for Credit Losses and Recorded Investments in Loans and Leases by Segment
The following table provides information regarding the recorded investments in loans and leases and the allowance for credit losses by segment as of December 31, 2018 and 2017.

TABLE 69: RECORDED INVESTMENTS IN LOANS AND LEASES
(In Millions)
COMMERCIAL

PERSONAL

TOTAL

December 31, 2018
 
 
 
Loans and Leases
 
 
 
Specifically Evaluated for Impairment
$
15.0

$
101.2

$
116.2

Evaluated for Inherent Impairment
15,160.2

17,213.6

32,373.8

 
 
 
 
Total Loans and Leases
15,175.2

17,314.8

32,490.0

Allowance for Credit Losses on Credit Exposures
 
 
 
Specifically Evaluated for Impairment
4.1

3.1

7.2

Evaluated for Inherent Impairment
53.5

51.9

105.4

 
 
 
 
Allowance Assigned to Loans and Leases
57.6

55.0

112.6

Allowance for Undrawn Exposures
 
 
 
Commitments and Standby Letters of Credit
21.1

4.5

25.6

 
 
 
 
Total Allowance for Credit Losses
$
78.7

$
59.5

$
138.2


(In Millions)
COMMERCIAL

PERSONAL

TOTAL

December 31, 2017
 
 
 
Loans and Leases
 
 
 
Specifically Evaluated for Impairment
$
33.9

$
105.9

$
139.8

Evaluated for Inherent Impairment
14,524.1

17,928.3

32,452.4

 
 
 
 
Total Loans and Leases
14,558.0

18,034.2

32,592.2

Allowance for Credit Losses on Credit Exposures
 
 
 
Specifically Evaluated for Impairment
1.1

4.3

5.4

Evaluated for Inherent Impairment
62.4

63.4

125.8

 
 
 
 
Allowance Assigned to Loans and Leases
63.5

67.7

131.2

Allowance for Undrawn Exposures
 
 
 
Commitments and Standby Letters of Credit
17.3

5.3

22.6

 
 
 
 
Total Allowance for Credit Losses
$
80.8

$
73.0

$
153.8