Asset Quality

3 Months Ended

Mar. 31, 2019

Receivables [Abstract]

Asset Quality

4. Asset Quality

We assess the credit quality of the loan portfolio by monitoring net credit losses, levels of nonperforming assets, delinquencies, and credit quality ratings as defined by management.

Credit Quality Indicators

The prevalent risk characteristic for both commercial and consumer loans is the risk of loss arising from an obligor’s inability or failure to meet contractual payment or performance terms. Evaluation of this risk is stratified and monitored by the loan risk rating grades assigned for the commercial loan portfolios and the refreshed FICO score assigned for the consumer loan portfolios. Additional information pertaining to loan grading and scoring is included in Note 5 (“Asset Quality”) on page 165 of our 2018 Form 10-K.

Commercial Credit Exposure — Excluding PCI

Credit Risk Profile by Creditworthiness Category ^{(a), (b)} 

	Commercial and industrial				RE — Commercial				RE — Construction				Commercial lease				Total
in millions	March 31,		December 31,		March 31,		December 31,		March 31,		December 31,		March 31,		December 31,		March 31,		December 31,
RATING	2019		2018		2019		2018		2019		2018		2019		2018		2019		2018
Pass	$	44,691	$	44,138	$	13,734	$	13,672	$	1,362	$	1,537	$	4,466	$	4,557	$	64,253	$	63,904
Criticized (Accruing)	1,555		1,402		355		354		55		125		32		41		1,997		1,922
Criticized (Nonaccruing)	170		152		83		81		2		2		9		8		264		243
Total	$	46,416	$	45,692	$	14,172	$	14,107	$	1,419	$	1,664	$	4,507	$	4,606	$	66,514	$	66,069

(a) Credit quality indicators are updated on an ongoing basis and reflect credit quality information as of the dates indicated.

(b) The term criticized refers to those loans that are internally classified by Key as special mention or worse, which are asset quality categories defined by regulatory authorities. These assets have an elevated level of risk and may have a high probability of default or total loss. Pass rated refers to all loans not classified as criticized.

Consumer Credit Exposure — Excluding PCI

Non-PCI Loans by Refreshed FICO Score ^(a) 

	Residential — Prime				Consumer direct loans				Credit cards				Consumer indirect loans				Total
in millions	March 31,		December 31,		March 31,		December 31,		March 31,		December 31,		March 31,		December 31,		March 31,		December 31,
FICO SCORE	2019		2018		2019		2018		2019		2018		2019		2018		2019		2018
750 and above	$	9,818	$	9,794	$	548	$	549	$	477	$	521	$	1,679	$	1,647	$	12,522	$	12,511
660 to 749	4,690		4,906		683		700		485		507		1,354		1,320		7,212		7,433
Less than 660	1,394		1,411		217		224		124		116		556		565		2,291		2,316
No Score	242		213		714		333		—		—		132		102		1,088		648
Total	$	16,144	$	16,324	$	2,162	$	1,806	$	1,086	$	1,144	$	3,721	$	3,634	$	23,113	$	22,908

(a) Borrower FICO scores provide information about the credit quality of our consumer loan portfolio as they provide an indication as to the likelihood that a debtor will repay its debts. The scores are obtained from a nationally recognized consumer rating agency and are presented in the above table at the dates indicated.

Commercial Credit Exposure — PCI

Credit Risk Profile by Creditworthiness Category ^{(a), (b)} 

	Commercial and Industrial				RE — Commercial				RE — Construction				Commercial Lease		Total
in millions	March 31,		December 31,		March 31,		December 31,		March 31,		December 31,		March 31,	December 31,	March 31,		December 31,
RATING	2019		2018		2019		2018		2019		2018		2019	2018	2019		2018
Pass	$	36	$	37	$	125	$	125	$	1	$	2	—	—	$	162	$	164
Criticized	22		24		47		53		—		—		—	—	69		77
Total	$	58	$	61	$	172	$	178	$	1	$	2	—	—	$	231	$	241

(a) Credit quality indicators are updated on an ongoing basis and reflect credit quality information as of the dates indicated.

(b) The term “criticized” refers to those loans that are internally classified by Key as special mention or worse, which are asset quality categories defined by regulatory authorities. These assets have an elevated level of risk and may have a high probability of default or total loss. Pass rated refers to all loans not classified as criticized.

Consumer Credit Exposure — PCI

PCI Loans by Refreshed FICO Score ^(a) 

	Residential — Prime				Consumer direct loans				Credit cards		Consumer indirect loans		Total
in millions	March 31,		December 31,		March 31,		December 31,		March 31,	December 31,	March 31,	December 31,	March 31,		December 31,
FICO SCORE	2019		2018		2019		2018		2019	2018	2019	2018	2019		2018
750 and above	$	126	$	137	—		—		—	—	—	—	$	126	$	137
660 to 749	95		95		$	1	$	1	—	—	—	—	96		96
Less than 660	90		97		2		2		—	—	—	—	92		99
No Score	6		2		—		—		—	—	—	—	6		2
Total	$	317	$	331	$	3	$	3	—	—	—	—	$	320	$	334

(a) Borrower FICO scores provide information about the credit quality of our consumer loan portfolio as they provide an indication as to the likelihood that a debtor will repay its debts. The scores are obtained from a nationally recognized consumer rating agency and are presented in the above table at the dates indicated.

Nonperforming and Past Due Loans

Our policies for determining past due loans, placing loans on nonaccrual, applying payments on nonaccrual loans, and resuming accrual of interest for our commercial and consumer loan portfolios are disclosed in Note 1 (“Summary of Significant Accounting Policies”) under the heading “Nonperforming Loans” beginning on page 100 of our 2018 Form 10-K.

The following aging analysis of past due and current loans as of March 31, 2019, and December 31, 2018, provides further information regarding Key’s credit exposure.

Aging Analysis of Loan Portfolio ^(a) 

March 31, 2019	Current		30-59 Days Past Due (b)		60-89 Days Past Due (b)		90 and Greater Days Past Due (b)		Non-performing Loans		Total Past Due and Non-performing Loans		Purchased Credit Impaired		Total Loans (c), (d)
in millions
LOAN TYPE
Commercial and industrial	$	46,063	$	79	$	47	$	57	$	170	$	353	$	58	$	46,474
Commercial real estate:
Commercial mortgage	14,056		10		7		17		82		116		172		14,344
Construction	1,404		6		—		7		2		15		1		1,420
Total commercial real estate loans	15,460		16		7		24		84		131		173		15,764
Commercial lease financing	4,463		18		12		5		9		44		—		4,507
Total commercial loans	$	65,986	$	113	$	66	$	86	$	263	$	528	$	231	$	66,745
Real estate — residential mortgage	$	5,234	$	9	$	4	$	3	$	64	$	80	$	301	$	5,615
Home equity loans	10,583		31		12		9		195		247		16		10,846
Consumer direct loans	2,141		7		4		7		3		21		3		2,165
Credit cards	1,061		7		4		11		3		25		—		1,086
Consumer indirect loans	3,666		26		7		2		20		55		—		3,721
Total consumer loans	$	22,685	$	80	$	31	$	32	$	285	$	428	$	320	$	23,433
Total loans	$	88,671	$	193	$	97	$	118	$	548	$	956	$	551	$	90,178

(a) Amounts in table represent recorded investment and exclude loans held for sale. Recorded investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan fees and costs, and unamortized premium or discount, and reflects direct charge-offs.

(b) Past due loan amounts exclude PCI, even if contractually past due (or if we do not expect to collect principal or interest in full based on the original contractual terms), as we are currently accreting income over the remaining term of the loans.

(c) Net of unearned income, net deferred loan fees and costs, and unamortized discounts and premiums.

(d) Future accretable yield related to PCI loans is not included in the analysis of the loan portfolio.

December 31, 2018	Current		30-59 Days Past Due (b)		60-89 Days Past Due (b)		90 and Greater Days Past Due (b)		Non-performing Loans		Total Past Due and Non-performing Loans		Purchased Credit Impaired		Total Loans (c), (d)
in millions
LOAN TYPE
Commercial and industrial	$	45,375	$	89	$	31	$	45	$	152	$	317	61		$	45,753
Commercial real estate:
Commercial mortgage	13,957		27		17		25		81		150		178		14,285
Construction	1,646		—		13		3		2		18		2		1,666
Total commercial real estate loans	15,603		27		30		28		83		168		180		15,951
Commercial lease financing	4,580		12		1		4		9		26		—		4,606
Total commercial loans	$	65,558	$	128	$	62	$	77	$	244	$	511	241		$	66,310
Real estate — residential mortgage	$	5,119	$	11	$	3	$	4	$	62	$	80	$	314	$	5,513
Home equity loans	10,862		31		12		10		210		263		17		11,142
Consumer direct loans	1,780		11		5		6		4		26		3		1,809
Credit cards	1,119		6		5		12		2		25		—		1,144
Consumer indirect loans	3,573		31		7		3		20		61		—		3,634
Total consumer loans	$	22,453	$	90	$	32	$	35	$	298	$	455	$	334	$	23,242
Total loans	$	88,011	$	218	$	94	$	112	$	542	$	966	$	575	$	89,552

(a) Amounts in table represent recorded investment and exclude loans held for sale. Recorded investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan fees and costs, and unamortized premium or discount, and reflects direct charge-offs.

(b) Past due loan amounts exclude PCI, even if contractually past due (or if we do not expect to collect principal or interest in full based on the original contractual terms), as we are currently accreting income over the remaining term of the loans.

(c) Net of unearned income, net deferred loan fees and costs, and unamortized discounts and premiums.

(d) Future accretable yield related to purchased credit impaired loans is not included in the analysis of the loan portfolio.

At March 31, 2019, the approximate carrying amount of our commercial nonperforming loans outstanding represented 79% of their original contractual amount owed, total nonperforming loans outstanding represented 82% of their original contractual amount owed, and nonperforming assets in total were carried at 86% of their original contractual amount owed.

Nonperforming loans and loans held for sale reduced expected interest income by $8 million for the three months ended March 31, 2019, and $7 million for the three months ended March 31, 2018.

The following tables set forth a further breakdown of individually impaired loans as of March 31, 2019, and December 31, 2018: 

	March 31, 2019						December 31, 2018
	Recorded Investment (a)		Unpaid Principal Balance (b)		Specific Allowance		Recorded Investment (a)		Unpaid Principal Balance (b)		Specific Allowance
in millions
With no related allowance recorded:
Commercial and industrial	$	152	$	184	—		$	118	$	175	—
Commercial real estate:
Commercial mortgage	59		70		—		64		70		—
Total commercial real estate loans	59		70		—		64		70		—
Total commercial loans	211		254		—		182		245		—
Real estate — residential mortgage	4		5		—		4		5		—
Home equity loans	47		54		—		49		56		—
Consumer direct loans	—		1		—		1		1		—
Consumer indirect loans	2		4		—		2		4		—
Total consumer loans	53		64		—		56		66		—
Total loans with no related allowance recorded	264		318		—		238		311		—
With an allowance recorded:
Commercial and industrial	17		30		$	2	44		47		$	5
Commercial real estate:
Commercial mortgage	2		3		—		2		3		1
Total commercial real estate loans	2		3		—		2		3		1
Total commercial loans	19		33		2		46		50		6
Real estate — residential mortgage	43		68		3		45		70		3
Home equity loans	81		87		8		78		85		8
Consumer direct loans	4		4		—		3		3		—
Credit cards	3		3		—		3		3		—
Consumer indirect loans	35		35		3		34		34		2
Total consumer loans	166		197		14		163		195		13
Total loans with an allowance recorded	185		230		16		209		245		19
Total	$	449	$	548	$	16	$	447	$	556	$	19

(a) The Recorded Investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan fees and costs, and unamortized premium or discount, and reflects direct charge-offs. This amount is a component of total loans on our Consolidated Balance Sheet.

(b) The Unpaid Principal Balance represents the customer’s legal obligation to us.

The following table sets forth a further breakdown of the average individually impaired loans reported by Key:

Average Recorded Investment (a)	Three Months Ended March 31,
in millions	2019		2018
Commercial and industrial	$	165	$	153
Commercial real estate:
Commercial mortgage	64		12
Total commercial real estate loans	64		12
Total commercial loans	229		165
Real estate — residential mortgage	48		49
Home equity loans	128		120
Consumer direct loans	4		4
Credit cards	3		3
Consumer indirect loans	36		35
Total consumer loans	219		211
Total	$	448	$	376

(a) The Recorded Investment represents the face amount of the loan increased or decreased by applicable accrued interest, net deferred loan fees and costs, and unamortized premium or discount, and reflects direct charge-offs. This amount is a component of total loans on our Consolidated Balance Sheet.

For the three months ended March 31, 2019, and March 31, 2018, interest income recognized on the outstanding balances of accruing impaired loans totaled $3 million and $2 million, respectively.

TDRs

We classify loan modifications as TDRs when a borrower is experiencing financial difficulties and we have granted a concession without commensurate financial, structural, or legal consideration. Additional information pertaining to TDRs is included in Note 5 (“Asset Quality”) on page 117 of our 2018 Form 10-K.

As TDRs are individually evaluated for impairment under the specific reserve methodology, subsequent defaults do not generally have a significant additional impact on the ALLL. Commitments outstanding to lend additional funds to

borrowers whose loan terms have been modified in TDRs were $4 million and $5 million at March 31, 2019, and December 31, 2018, respectively.

At March 31, 2019, and December 31, 2018, the recorded investment of consumer residential mortgage loans in the process of foreclosure was approximately $96 million and $113 million, respectively. At March 31, 2019, and December 31, 2018, we had $40 million and $35 million, respectively, of OREO which included the carrying value of foreclosed residential real estate of approximately $39 million and $35 million, respectively.

The following table shows the post-modification outstanding recorded investment by concession type for our commercial and consumer accruing and nonaccruing TDRs that occurred during the periods indicated:

	Three Months Ended March 31,
in millions	2019		2018
Commercial loans:
Extension of Maturity Date	—		$	1
Total	—		$	1
Consumer loans:
Interest rate reduction	$	4	$	8
Other	9		12
Total	$	13	$	20
Total commercial and consumer TDRs	$	13	$	21

The following table summarizes the change in the post-modification outstanding recorded investment of our accruing and nonaccruing TDRs during the periods indicated:

	Three Months Ended March 31,
in millions	2019			2018
Balance at beginning of the period	$	399		$	317
Additions	14			21
Payments	(39		)	(19		)
Charge-offs	(9		)	(2		)
Balance at end of period	$	365		$	317

A further breakdown of TDRs included in nonperforming loans by loan category for the periods indicated are as follows:

	March 31, 2019					December 31, 2018
	Number of Loans	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Loans	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
dollars in millions
LOAN TYPE
Nonperforming:
Commercial and industrial	27	$	89	$	57	35	$	121	$	85
Commercial real estate:
Commercial mortgage	7	66		58		6	66		62
Total commercial real estate loans	7	66		58		6	66		62
Total commercial loans	34	155		115		41	187		147
Real estate — residential mortgage	284	20		18		281	21		20
Home equity loans	884	52		49		1,142	66		63
Consumer direct loans	120	2		1		171	2		1
Credit cards	225	1		1		330	2		2
Consumer indirect loans	974	16		14		1,098	18		14
Total consumer loans	2,487	91		83		3,022	109		100
Total nonperforming TDRs	2,521	246		198		3,063	296		247
Prior-year accruing:(a)
Commercial and industrial	9	38		31		11	37		32
Commercial real estate
Commercial mortgage	1	—		—		2	—		—
Total commercial real estate loans	1	—		—		2	—		—
Total commercial loans	10	38		31		13	37		32
Real estate — residential mortgage	481	35		30		491	36		30
Home equity loans	1,648	96		79		1,403	82		64
Consumer direct loans	136	5		3		79	4		3
Credit cards	598	3		1		479	3		1
Consumer indirect loans	753	37		23		556	33		22
Total consumer loans	3,616	176		136		3,008	158		120
Total prior-year accruing TDRs	3,626	214		167		3,021	195		152
Total TDRs	6,147	$	460	$	365	6,084	$	491	$	399

(a) All TDRs that were restructured prior to January 1, 2019, and January 1, 2018, and are fully accruing.

Commercial loan TDRs are considered defaulted when principal and interest payments are 90 days past due. Consumer loan TDRs are considered defaulted when principal and interest payments are more than 60 days past due. During the three months ended March 31, 2019, there were no commercial loan TDRs and 74 consumer loan TDRs with a combined recorded investment of $2 million that experienced payment defaults after modifications resulting in TDR status during 2018. During the three months ended March 31, 2018, there were no commercial loan TDRs and 41 consumer loan TDRs with a combined recorded investment of $1 million that experienced payment defaults after modifications resulting in TDR status during 2017.

ALLL and Liability for Credit Losses on Unfunded Lending-Related Commitments

We determine the appropriate level of the ALLL on at least a quarterly basis. The methodology is described in Note 1 (“Summary of Significant Accounting Policies”) under the heading “Allowance for Loan and Lease Losses” beginning on page 101 of our 2018 Form 10-K.

The ALLL on the acquired non-impaired loan portfolio is estimated using the same methodology as the originated portfolio, however, the estimated ALLL is compared to the remaining accretable yield to determine if an ALLL must be recorded. For PCI loans, Key estimates cash flows expected to be collected quarterly. Decreases in expected cash flows are recognized as impairment through a provision for loan and lease losses and an increase in the ALLL.

The ALLL at March 31, 2019, represents our best estimate of the incurred credit losses inherent in the loan portfolio at that date. The changes in the ALLL by loan category for the periods indicated are as follows:

Three months ended March 31, 2019:

in millions	December 31, 2018		Provision				Charge-offs			Recoveries		March 31, 2019
Commercial and Industrial	$	532	$	24			$	(36	)	$	10	$	530
Commercial real estate:
Real estate — commercial mortgage	142		6				(5		)	1		144
Real estate — construction	33		(1		)		(4		)	—		28
Total commercial real estate loans	175		5				(9		)	1		172
Commercial lease financing	36		6				(8		)	1		35
Total commercial loans	743		35				(53		)	12		737
Real estate — residential mortgage	7		1				(1		)	1		8
Home equity loans	35		3				(4		)	2		36
Consumer direct loans	30		12				(10		)	1		33
Credit cards	48		8				(11		)	2		47
Consumer indirect loans	20		5				(8		)	5		22
Total consumer loans	140		29				(34		)	11		146
Total ALLL — continuing operations	883		64			(a)	(87		)	23		883
Discontinued operations	14		2				(4		)	1		13
Total ALLL — including discontinued operations	$	897	$	66			$	(91	)	$	24	$	896

(a) Excludes a credit for losses on lending-related commitments of $2 million.

Three months ended March 31, 2018:

in millions	December 31, 2017		Provision				Charge-offs			Recoveries		March 31, 2018
Commercial and Industrial	$	529	$	35			$	(37	)	$	6	$	533
Commercial real estate:
Real estate — commercial mortgage	133		4				(1		)	—		136
Real estate — construction	30		2				—			1		33
Total commercial real estate loans	163		6				(1		)	1		169
Commercial lease financing	43		(3		)		(1		)	1		40
Total commercial loans	735		38				(39		)	8		742
Real estate — residential mortgage	7		3				(1		)	—		9
Home equity loans	43		(4		)		(4		)	3		38
Consumer direct loans	28		5				(8		)	2		27
Credit cards	44		12				(12		)	1		45
Consumer indirect loans	20		4				(8		)	4		20
Total consumer loans	142		20				(33		)	10		139
Total ALLL — continuing operations	877		58			(a)	(72		)	18		881
Discontinued operations	16		2				(4		)	2		16
Total ALLL — including discontinued operations	$	893	$	60			$	(76	)	$	20	$	897

(a) Excludes a provision for losses on lending-related commitments of $3 million.

A breakdown of the individual and collective ALLL and the corresponding loan balances as of March 31, 2019, follows:

	Allowance						Outstanding
March 31, 2019	Individually Evaluated  for Impairment		Collectively Evaluated  for Impairment		Purchased Credit Impaired		Loans			Individually Evaluated  for Impairment		Collectively Evaluated  for Impairment			Purchased Credit Impaired
in millions
Commercial and industrial	$	2	$	527	$	1	$	46,474		$	169	$	46,247		$	58
Commercial real estate:
Commercial mortgage	—		142		2		14,344			61		14,111			172
Construction	—		28		—		1,420			—		1,419			1
Total commercial real estate loans	—		170		2		15,764			61		15,530			173
Commercial lease financing	—		35		—		4,507			—		4,507			—
Total commercial loans	2		732		3		66,745			230		66,284			231
Real estate — residential mortgage	3		4		1		5,615			47		5,267			301
Home equity loans	8		27		1		10,846			128		10,702			16
Consumer direct loans	—		33		—		2,165			4		2,158			3
Credit cards	—		47		—		1,086			3		1,083			—
Consumer indirect loans	3		19		—		3,721			37		3,684			—
Total consumer loans	14		130		2		23,433			219		22,894			320
Total ALLL — continuing operations	16		862		5		90,178			449		89,178			551
Discontinued operations	2		11		—		1,019		(a)	23		996		(a)	—
Total ALLL — including discontinued operations	$	18	$	873	$	5	$	91,197		$	472	$	90,174		$	551

(a) Amount includes $2 million of loans carried at fair value that are excluded from ALLL consideration.

A breakdown of the individual and collective ALLL and the corresponding loan balances as of December 31, 2018, follows:

	Allowance						Outstanding
December 31, 2018	Individually Evaluated  for Impairment		Collectively Evaluated  for Impairment		Purchased Credit Impaired		Loans			Individually Evaluated  for Impairment		Collectively Evaluated  for Impairment			Purchased Credit Impaired
in millions
Commercial and Industrial	$	5	$	526	$	1	$	45,753		$	162	$	45,530		$	61
Commercial real estate:
Commercial mortgage	—		139		3		14,285			66		14,041			178
Construction	—		33		—		1,666			—		1,664			2
Total commercial real estate loans	—		172		3		15,951			66		15,705			180
Commercial lease financing	—		36		—		4,606			—		4,606			—
Total commercial loans	5		734		4		66,310			228		65,841			241
Real estate — residential mortgage	3		4		—		5,513			49		5,150			314
Home equity loans	8		26		1		11,142			127		10,998			17
Consumer direct loans	—		30		—		1,809			4		1,802			3
Credit cards	—		48		—		1,144			3		1,141			—
Consumer indirect loans	3		17		—		3,634			36		3,598			—
Total consumer loans	14		125		1		23,242			219		22,689			334
Total ALLL — continuing operations	19		859		5		89,552			447		88,530			575
Discontinued operations	2		12		—		1,073		(a)	23		1,050		(a)	—
Total ALLL — including discontinued operations	$	21	$	871	$	5	$	90,625		$	470	$	89,580		$	575

(a) Amount includes $2 million of loans carried at fair value that are excluded from ALLL consideration.

The liability for credit losses inherent in unfunded lending-related commitments, such as letters of credit and unfunded loan commitments, is included in “accrued expense and other liabilities” on the balance sheet. We establish the amount of this reserve by considering both historical trends and current market conditions quarterly, or more often if deemed necessary.

Changes in the liability for credit losses on unfunded lending-related commitments are summarized as follows:

	Three months ended March 31,
in millions	2019			2018
Balance at beginning of period	$	64		$	57
Provision (credit) for losses on lending-related commitments	(2		)	3
Balance at end of period	$	62		$	60

PCI Loans

Purchased loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that all contractually required payments will not be collected are deemed PCI. Our policies for determining, recording payments on, and derecognizing PCI loans are disclosed in Note 1 (“Summary of Significant Accounting Policies”) under the heading “Purchased Loans” beginning on page 105 of our 2018 Form 10-K.

We have PCI loans from two separate acquisitions, one in 2012 and one in 2016. The following tables present the roll-forward of the accretable yield and the beginning and ending outstanding unpaid principal balance and carrying amount of all PCI loans for the three months ended March 31, 2019, and the twelve months ended December 31, 2018.

	Three Months Ended March 31,
	2019
in millions	Accretable Yield			Carrying Amount		Outstanding Unpaid Principal Balance
Balance at beginning of period	$	117		$	571	$	607
Accretion	(10		)
Net reclassifications from nonaccretable to accretable	13
Payments received, net	(2		)
Balance at end of period	$	118		$	547	$	578

	Twelve Months Ended December 31,
	2018
in millions	Accretable Yield			Carrying Amount		Outstanding Unpaid Principal Balance
Balance at beginning of period	$	131		$	738	$	803
Accretion	(42		)
Net reclassifications from nonaccretable to accretable	50
Payments received, net	(21		)
Loans charged off	(1		)
Balance at end of period	$	117		$	571	$	607