XML 66 R55.htm IDEA: XBRL DOCUMENT v3.22.2
Loans and ACL - Allowance for Credit Losses (Details) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Provision for credit losses $ 171 $ (434) $ 76 $ (386)
Commercial: | Commercial and industrial        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 1,319 2,136 1,426 2,204
Charge-Offs (17) (53) (48) (132)
Recoveries 13 23 30 42
Provision for credit losses 42 (302) (51) (310)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 1,357 1,804 1,357 1,804
Commercial: | CRE        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 283 544 350 573
Charge-Offs (1) 0 (2) (4)
Recoveries 6 4 7 5
Provision for credit losses (51) (108) (118) (134)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 237 440 237 440
Commercial: | Commercial construction        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 53 77 52 81
Charge-Offs 0 0 (1) (2)
Recoveries 1 1 2 2
Provision for credit losses (4) (9) (3) (12)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 50 69 50 69
Consumer: | Residential mortgage        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 310 343 308 368
Charge-Offs (2) (4) (4) (15)
Recoveries 4 5 10 7
Provision for credit losses 15 (23) 13 (39)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 327 321 327 321
Consumer: | Residential home equity and direct        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 574 707 615 714
Charge-Offs (85) (57) (143) (112)
Recoveries 20 20 40 38
Provision for credit losses 79 24 76 54
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 588 694 588 694
Consumer: | Indirect auto        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 957 1,176 1,022 1,198
Charge-Offs (77) (69) (179) (174)
Recoveries 26 27 49 49
Provision for credit losses 46 (18) 60 43
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 952 1,116 952 1,116
Consumer: | Indirect other        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 211 187 195 208
Charge-Offs (18) (11) (37) (28)
Recoveries 6 7 12 13
Provision for credit losses 29 (2) 58 (12)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 228 181 228 181
Consumer: | Student        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 115 131 117 130
Charge-Offs (4) (3) (10) (6)
Recoveries 0 0 0 0
Provision for credit losses (10) 0 (7) 2
Allowance for Loan and Lease Losses, Adjustments, Other (1) [1] 1 0 [1] 3 [1]
Ending balance 100 129 100 129
Credit card        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 348 361 350 359
Charge-Offs (40) (42) (81) (82)
Recoveries 9 10 18 19
Provision for credit losses 31 38 61 71
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 348 367 348 367
ALLL        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 4,170 5,662 4,435 5,835
Charge-Offs (244) (239) (505) (555)
Recoveries 85 97 168 175
Provision for credit losses 177 (400) 89 (337)
Allowance for Loan and Lease Losses, Adjustments, Other (1) [1] 1 0 [1] 3 [1]
Ending balance 4,187 5,121 4,187 5,121
RUFC        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 253 349 260 364
Charge-Offs 0 0 0 0
Recoveries 0 0 0 0
Provision for credit losses (6) (34) (13) (49)
Allowance for Loan and Lease Losses, Adjustments, Other 0 [1] 0 0 [1] 0 [1]
Ending balance 247 315 247 315
ACL        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance 4,423 6,011 4,695 6,199
Charge-Offs (244) (239) (505) (555)
Recoveries 85 97 168 175
Provision for credit losses 171 (434) 76 (386)
Allowance for Loan and Lease Losses, Adjustments, Other (1) [1] 1 0 [1] 3 [1]
Ending balance $ 4,434 $ 5,436 $ 4,434 $ 5,436
[1] Includes the amounts for the ALLL for PCD acquisitions, and other activity.