Loans and Leases (Tables)

3 Months Ended

Mar. 31, 2015

Amounts Outstanding for Loans and Leases by Segment and Class

Amounts outstanding for loans and leases, by segment and class, are shown below.

Table 33: Loans and Leases


(In Millions)	March 31, 2015			December 31, 2014
Commercial
Commercial and Institutional	$	9,030.2		$	8,381.9
Commercial Real Estate		3,500.9			3,333.3
Lease Financing, net		870.6			916.3
Non-U.S.		1,661.6			1,530.6
Other		428.0			191.5

Total Commercial		15,491.3			14,353.6

Personal
Residential Real Estate		9,440.2			9,782.6
Private Client		7,615.8			7,466.9
Other		82.9			37.1

Total Personal		17,138.9			17,286.6

Total Loans and Leases		32,630.2			31,640.2

Allowance for Credit Losses Assigned to Loans and Leases		(259.0	)		(267.0	)

Net Loans and Leases	$	32,371.2		$	31,373.2

Loan and Lease Segment and Class Balances Segregated by Borrower Ratings into "1 to 3", "4 to 5" and "6 to 9" (Watch List) Categories

Loan and lease segment and class balances as of March 31, 2015, and December 31, 2014, are provided below, segregated by borrower ratings into “1 to 3,” “4 to 5” and “6 to 9” (watch list), categories.

Table 34: Borrower Ratings


	March 31, 2015								December 31, 2014
(In Millions)	1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total		1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total
Commercial
Commercial and Institutional	$	5,628.3	$	3,314.9	$	87.0	$	9,030.2	$	5,340.9	$	2,947.3	$	93.7	$	8,381.9
Commercial Real Estate		1,452.5		1,949.9		98.5		3,500.9		1,371.7		1,861.8		99.8		3,333.3
Lease Financing, net		510.6		324.0		36.0		870.6		552.5		360.3		3.5		916.3
Non-U.S.		513.8		1,147.6		0.2		1,661.6		636.8		892.9		0.9		1,530.6
Other		353.0		75.0		—		428.0		108.1		83.4		—		191.5

Total Commercial		8,458.2		6,811.4		221.7		15,491.3		8,010.0		6,145.7		197.9		14,353.6

Personal
Residential Real Estate		2,734.2		6,304.9		401.1		9,440.2		3,148.0		6,207.0		427.6		9,782.6
Private Client		4,907.1		2,699.4		9.3		7,615.8		5,143.8		2,311.7		11.4		7,466.9
Other		68.5		14.4		—		82.9		21.1		16.0		—		37.1

Total Personal		7,709.8		9,018.7		410.4		17,138.9		8,312.9		8,534.7		439.0		17,286.6

Total Loans and Leases	$	16,168.0	$	15,830.1	$	632.1	$	32,630.2	$	16,322.9	$	14,680.4	$	636.9	$	31,640.2

Balances and Delinquency Status of Performing and Nonperforming Loans and Leases by Segment and Class as well as Total OREO and Nonperforming Asset Balances

The following tables provide balances and delinquency status of performing and nonperforming loans and leases by segment and class, as well as the total OREO and nonperforming asset balances, as of March 31, 2015, and December 31, 2014.

Table 35: Delinquency Status

March 31, 2015

(In Millions)

Current

30-59 Days
Past Due

60-89 Days
Past Due

90 Days or
More Past
Due

Total
Performing

Nonperforming

Total Loans
and Leases

Commercial

Commercial and Institutional

8,980.4

21.2

4.6

3.1

9,009.3

20.9

9,030.2

Commercial Real Estate

3,442.9

10.2

4.8

3.1

3,461.0

39.9

3,500.9

Lease Financing, net

870.6

—

870.6

—

870.6

Non-U.S.

1,661.6

—

1,661.6

—

1,661.6

Other

428.0

—

428.0

—

428.0

Total Commercial

15,383.5

31.4

9.4

6.2

15,430.5

60.8

15,491.3

Personal

Residential Real Estate

9,240.2

37.5

2.6

2.2

9,282.5

157.7

9,440.2

Private Client

7,573.7

32.8

7.2

1.0

7,614.7

1.1

7,615.8

Other

82.9

—

82.9

—

82.9

Total Personal

16,896.8

70.3

9.8

3.2

16,980.1

158.8

17,138.9

Total Loans and Leases

32,280.3

101.7

19.2

9.4

32,410.6

219.6

32,630.2

Other Real Estate Owned

8.5

Total Nonperforming Assets

228.1


December 31, 2014
(In Millions)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Performing		Nonperforming		Total Loans and Leases
Commercial
Commercial and Institutional	$	8,340.5	$	14.5	$	4.0	$	7.9	$	8,366.9	$	15.0	$	8,381.9
Commercial Real Estate		3,274.3		9.6		9.8		2.5		3,296.2		37.1		3,333.3
Lease Financing, net		916.3		—		—		—		916.3		—		916.3
Non-U.S.		1,530.6		—		—		—		1,530.6		—		1,530.6
Other		191.5		—		—		—		191.5		—		191.5

Total Commercial		14,253.2		24.1		13.8		10.4		14,301.5		52.1		14,353.6

Personal
Residential Real Estate		9,556.3		49.5		9.9		4.5		9,620.2		162.4		9,782.6
Private Client		7,396.0		56.0		5.9		7.8		7,465.7		1.2		7,466.9
Other		37.1		—		—		—		37.1		—		37.1

Total Personal		16,989.4		105.5		15.8		12.3		17,123.0		163.6		17,286.6

Total Loans and Leases	$	31,242.6	$	129.6	$	29.6	$	22.7	$	31,424.5	$	215.7	$	31,640.2

								Other Real Estate Owned				16.6

								Total Nonperforming Assets			$	232.3

Impaired Loans By Segment and Class

The following tables provide information related to impaired loans by segment and class.

Table 36: Information about Impaired Loans as of the Period End


	As of March 31, 2015						As of December 31, 2014
(In Millions)	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Recorded Investment		Unpaid Principal Balance		Specific Allowance
With No Related Specific Allowance
Commercial and Institutional	$	7.9	$	9.9	$	—	$	9.0	$	12.0	$	—
Commercial Real Estate		49.1		54.1		—		47.0		52.4		—
Lease Financing, net		3.4		3.4		—		4.2		4.2		—
Residential Real Estate		153.1		198.7		—		160.9		204.8		—
Private Client		0.2		0.2		—		0.2		0.5		—
With a Related Specific Allowance
Commercial and Institutional		12.5		9.9		4.0		6.5		6.6		2.9
Commercial Real Estate		12.4		18.7		2.8		12.2		18.3		2.9
Residential Real Estate		5.8		6.0		1.2		1.4		1.4		0.4
Private Client		0.8		0.8		0.4		0.8		0.8		0.4
Total
Commercial		85.3		96.0		6.8		78.9		93.5		5.8
Personal		159.9		205.7		1.6		163.3		207.5		0.8

Total	$	245.2	$	301.7	$	8.4	$	242.2	$	301.0	$	6.6

Table 37: Information about Impaired Loans for the Period


	Three Months Ended March 31,
	2015				2014
(In Millions)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With No Related Specific Allowance
Commercial and Institutional	$	9.2	$	—	$	11.4	$	—
Commercial Real Estate		48.5		0.2		44.8		0.3
Lease Financing, net		3.4		0.1		4.4		0.1
Residential Real Estate		161.3		0.3		189.2		0.6
Private Client		0.2		—		0.7		—
With a Related Specific Allowance
Commercial and Institutional		8.5		—		10.0		—
Commercial Real Estate		12.2		—		26.4		—
Residential Real Estate		2.8		—		7.1		—
Private Client		0.8		—		0.1		—
Total
Commercial		81.8		0.3		97.0		0.4
Personal		165.1		0.3		197.1		0.6

Total	$	246.9	$	0.6	$	294.1	$	1.0

Number of Loans and Leases Modified in TDRs and Total Recorded Investments and Unpaid Principal Balances

The following tables provide, by segment and class, the number of loans and leases modified in TDRs during the three-month periods ended March 31, 2015, and 2014, and the recorded investments and unpaid principal balances as of March 31, 2015, and 2014.

Table 38: Troubled Debt Restructurings

($ In Millions)

Three Months Ended
March 31, 2015

Number of
Loans and Leases

Recorded
Investment

Unpaid Principal
Balance

Commercial

Commercial and Institutional

0.1

Commercial Real Estate

0.7

Total Commercial

0.8

Personal

Residential Real Estate

7.1

10.2

Total Personal

7.1

10.2

Total Loans and Leases

7.9

11.0

Note: Period-end balances reflect all paydowns and charge-offs during the period.

($ In Millions)

Three Months Ended
March 31, 2014

Number of
Loans and Leases

Recorded
Investment

Unpaid Principal
Balance

Commercial

Commercial Real Estate

0.7

Total Commercial

0.7

Personal

Residential Real Estate

3.5

3.8

Private Client

—

Total Personal

3.5

3.8

Total Loans and Leases

4.2

4.5

Note: Period-end balances reflect all paydowns and charge-offs during the period.