Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2014

Changes in Allowance for Credit Losses by Segment

Changes in the allowance for credit losses by segment were as follows:

TABLE 63: CHANGES IN THE ALLOWANCE FOR CREDIT LOSSES

	2014									2013									2012
(In Millions)	COMMERCIAL			PERSONAL			TOTAL			COMMERCIAL			PERSONAL			TOTAL			COMMERCIAL			PERSONAL			TOTAL
Balance at Beginning of Year	$	168.0		$	139.9		$	307.9		$	194.2		$	133.4		$	327.6		$	211.0		$	117.9		$	328.9
Charge-Offs		(12.9	)		(23.2	)		(36.1	)		(16.7	)		(42.6	)		(59.3	)		(19.9	)		(43.1	)		(63.0	)
Recoveries		11.1			7.0			18.1			8.6			11.0			19.6			20.3			16.4			36.7
Net (Charge-Offs) Recoveries		(1.8	)		(16.2	)		(18.0	)		(8.1	)		(31.6	)		(39.7	)		0.4			(26.7	)		(26.3	)
Provision for Credit Losses		3.5			2.5			6.0			(18.1	)		38.1			20.0			(17.2	)		42.2			25.0
Balance at End of Year	$	169.7		$	126.2		$	295.9		$	168.0		$	139.9		$	307.9		$	194.2		$	133.4		$	327.6
Allowance for Credit Losses Assigned to:
Loans and Leases	$	143.8		$	123.2		$	267.0		$	140.9		$	137.2		$	278.1		$	166.1		$	131.8		$	297.9
Undrawn Commitments and Standby Letters of Credit		25.9			3.0			28.9			27.1			2.7			29.8			28.1			1.6			29.7
Total Allowance for Credit Losses	$	169.7		$	126.2		$	295.9		$	168.0		$	139.9		$	307.9		$	194.2		$	133.4		$	327.6

Allowances for Credit Losses and Recorded Investments in Loans and Leases by Segment

The following tables provide information regarding the recorded investments in loans and leases and the allowance for credit losses by segment as of December 31, 2014, and 2013.

TABLE 64: RECORDED INVESTMENTS IN LOANS AND LEASES
(In Millions)	COMMERCIAL		PERSONAL		TOTAL
DECEMBER 31, 2014
Loans and Leases
Specifically Evaluated for Impairment	$	78.9	$	163.3	$	242.2
Evaluated for Inherent Impairment		14,274.7		17,123.3		31,398.0
Total Loans and Leases		14,353.6		17,286.6		31,640.2
Allowance for Credit Losses on Credit Exposures
Specifically Evaluated for Impairment		5.8		0.8		6.6
Evaluated for Inherent Impairment		138.0		122.4		260.4
Allowance assigned to loans and leases		143.8		123.2		267.0
Allowance for Undrawn Exposures
Commitments and Standby Letters of Credit		25.9		3.0		28.9
Total Allowance for Credit Losses	$	169.7	$	126.2	$	295.9

(In Millions)	COMMERCIAL		PERSONAL		TOTAL
DECEMBER 31, 2013
Loans and Leases
Specifically Evaluated for Impairment	$	99.5	$	193.9	$	293.4
Evaluated for Inherent Impairment		12,520.5		16,571.6		29,092.1
Total Loans and Leases		12,620.0		16,765.5		29,385.5
Allowance for Credit Losses on Credit Exposures
Specifically Evaluated for Impairment		8.1		2.3		10.4
Evaluated for Inherent Impairment		132.8		134.9		267.7
Allowance assigned to loans and leases		140.9		137.2		278.1
Allowance for Undrawn Exposures
Commitments and Standby Letters of Credit		27.1		2.7		29.8
Total Allowance for Credit Losses	$	168.0	$	139.9	$	307.9