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Loans And Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Investment of accuring and nonaccruing troubled debt restructuring [Text Block]
 
Three Months Ended
September 30, 2017
 
Nine Months Ended
September 30, 2017
(In millions)
Accruing
 
Nonaccruing
 
Total
 
Accruing
 
Nonaccruing
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
—

 
$
1

 
$
1

 
$
—

 
$
1

1,291

$
1

Owner-occupied
—

 
—

 
—

 
—

 
1

5,405

1

Total commercial
—

 
1

 
1

 
—

 
2

 
2

Total
$
—

 
$
1

 
$
1

 
$
—

 
$
2

 
$
2

 
Three Months Ended
September 30, 2016
 
Nine Months Ended
September 30, 2016
(In millions)
Accruing
 
Nonaccruing
 
Total
 
Accruing
 
Nonaccruing
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
—

 
$
3

 
$
3

 
$
—

 
$
3

 
$
3

Owner-occupied
4

 
—

 
4

 
4

 
—

 
4

Total commercial
4

 
3

 
7

 
4

 
3

 
7

Total
$
4

 
$
3

 
$
7

 
$
4

 
$
3

 
$
7

Note: Total loans modified as TDRs during the 12 months previous to September 30, 2017 and 2016 were $84 million and $139 million, respectively.
allowance for loan losses by impairment [Table Text Block]
The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
 
September 30, 2017
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
28

 
$
1

 
$
4

 
$
33

Collectively evaluated for impairment
357

 
106

 
45

 
508

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
—

Total
$
385

 
$
107

 
$
49

 
$
541

Outstanding loan balances:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
352

 
$
78

 
$
70

 
$
500

Collectively evaluated for impairment
22,163

 
11,026

 
10,427

 
43,616

Purchased loans with evidence of credit deterioration
24

 
10

 
6

 
40

Total
$
22,539

 
$
11,114

 
$
10,503

 
$
44,156


 
December 31, 2016
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
56

 
$
3

 
$
6

 
$
65

Collectively evaluated for impairment
364

 
113

 
25

 
502

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
—

Total
$
420

 
$
116

 
$
31

 
$
567

Outstanding loan balances:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
466

 
$
78

 
$
75

 
$
619

Collectively evaluated for impairment
21,111

 
11,231

 
9,611

 
41,953

Purchased loans with evidence of credit deterioration
38

 
32

 
7

 
77

Total
$
21,615

 
$
11,341

 
$
9,693

 
$
42,649
Summary Of Major Portfolio Segment And Specific Loan Class
(In millions)
September 30,
2017
 
December 31,
2016
 
 
 
 
Loans held for sale
$
71

 
$
172

Commercial:
 
 
 
Commercial and industrial
$
14,041

 
$
13,452

Leasing
343

 
423

Owner-occupied
7,082

 
6,962

Municipal
1,073

 
778

Total commercial
22,539

 
21,615

Commercial real estate:
 
 
 
Construction and land development
2,170

 
2,019

Term
8,944

 
9,322

Total commercial real estate
11,114

 
11,341

Consumer:
 
 
 
Home equity credit line
2,745

 
2,645

1-4 family residential
6,522

 
5,891

Construction and other consumer real estate
558

 
486

Bankcard and other revolving plans
490

 
481

Other
188

 
190

Total consumer
10,503

 
9,693

Total loans
$
44,156

 
$
42,649
Summary Of Changes in The Allowance For Credit Losses
Changes in the allowance for credit losses are summarized as follows:

 
Three Months Ended September 30, 2017
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of period
$
393

 
$
116

 
$
35

 
$
544

Additions:
 
 
 
 
 
 
 
Provision for loan losses
(4
)
 
(7
)
 
16

 
5

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(16
)
 
(4
)
 
(5
)
 
(25
)
Recoveries
12

 
2

 
3

 
17

Net loan and lease charge-offs
(4
)
 
(2
)
 
(2
)
 
(8
)
Balance at end of period
$
385

 
$
107

 
$
49

 
$
541

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of period
$
53

 
$
10

 
$
—

 
$
63

Provision charged to earnings
(4
)
 
—

 
—

 
(4
)
Balance at end of period
$
49

 
$
10

 
$
—

 
$
59

Total allowance for credit losses at end of period
 
 
 
 
 
 
 
Allowance for loan losses
$
385

 
$
107

 
$
49

 
$
541

Reserve for unfunded lending commitments
49

 
10

 
—

 
59

Total allowance for credit losses
$
434

 
$
117

 
$
49

 
$
600

 
Nine Months Ended September 30, 2017
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of period
$
420

 
$
116

 
$
31

 
$
567

Additions:
 
 
 
 
 
 
 
Provision for loan losses
27

 
(15
)
 
23

 
35

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(98
)
 
(6
)
 
(13
)
 
(117
)
Recoveries
36

 
12

 
8

 
56

Net loan and lease (charge-offs) recoveries
(62
)
 
6

 
(5
)
 
(61
)
Balance at end of period
$
385

 
$
107

 
$
49

 
$
541

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of period
$
54

 
$
11

 
$
—

 
$
65

Provision credited to earnings
(5
)
 
(1
)
 
—

 
(6
)
Balance at end of period
$
49

 
$
10

 
$
—

 
$
59

Total allowance for credit losses at end of period
 
 
 
 
 
 
 
Allowance for loan losses
$
385

 
$
107

 
$
49

 
$
541

Reserve for unfunded lending commitments
49

 
10

 
—

 
59

Total allowance for credit losses
$
434

 
$
117

 
$
49

 
$
600

 
Three Months Ended September 30, 2016
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of period
$
457

 
$
121

 
$
30

 
$
608

Additions:
 
 
 
 
 
 
 
Provision for loan losses
22

 
(6
)
 
3

 
19

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(48
)
 
(1
)
 
(5
)
 
(54
)
Recoveries
15

 
7

 
2

 
24

Net loan and lease (charge-offs) recoveries
(33
)
 
6

 
(3
)
 
(30
)
Balance at end of period
$
446

 
$
121

 
$
30

 
$
597

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of period
$
54

 
$
11

 
$
—

 
$
65

Provision credited to earnings
(2
)
 
(1
)
 
—

 
(3
)
Balance at end of period
$
52

 
$
10

 
$
—

 
$
62

Total allowance for credit losses at end of period
 
 
 
 
 
 
 
Allowance for loan losses
$
446

 
$
121

 
$
30

 
$
597

Reserve for unfunded lending commitments
52

 
10

 
—

 
62

Total allowance for credit losses
$
498

 
$
131

 
$
30

 
$
659

 
Nine Months Ended September 30, 2016
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of period
$
454

 
$
114

 
$
38

 
$
606

Additions:
 
 
 
 
 
 
 
Provision for loan losses
93

 
5

 
(3
)
 
95

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(137
)
 
(10
)
 
(12
)
 
(159
)
Recoveries
36

 
12

 
7

 
55

Net loan and lease (charge-offs) recoveries
(101
)
 
2

 
(5
)
 
(104
)
Balance at end of period
$
446

 
$
121

 
$
30

 
$
597

Reserve for unfunded lending commitments
 
 
 
 
 
 
 
Balance at beginning of period
$
58

 
$
16

 
$
1

 
$
75

Provision credited to earnings
(6
)
 
(6
)
 
(1
)
 
(13
)
Balance at end of period
$
52

 
$
10

 
$
—

 
$
62

Total allowance for credit losses at end of period
 
 
 
 
 
 
 
Allowance for loan losses
$
446

 
$
121

 
$
30

 
$
597

Reserve for unfunded lending commitments
52

 
10

 
—

 
62

Total allowance for credit losses
$
498

 
$
131

 
$
30

 
$
659

The ALLL and outstanding loan balances according to the Company’s impairment method are summarized as follows:
 
September 30, 2017
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
28

 
$
1

 
$
4

 
$
33

Collectively evaluated for impairment
357

 
106

 
45

 
508

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
—

Total
$
385

 
$
107

 
$
49

 
$
541

Outstanding loan balances:
 
 
 
 
 
 
 
Individually evaluated for impairment
$
352

 
$
78

 
$
70

 
$
500

Collectively evaluated for impairment
22,163

 
11,026

 
10,427

 
43,616

Purchased loans with evidence of credit deterioration
24

 
10

 
6

 
40

Total
$
22,539

 
$
11,114

 
$
10,503

 
$
44,156
Summary Of Nonaccrual Loans
Nonaccrual loans are summarized as follows:
(In millions)
September 30,
2017
 
December 31,
2016
 
 
 
 
Loans held for sale
$
13

 
$
40

Commercial:
 
 
 
Commercial and industrial
$
257

 
$
354

Leasing
8

 
14

Owner-occupied
85

 
74

Municipal
1

 
1

Total commercial
351

 
443

Commercial real estate:
 
 
 
Construction and land development
6

 
7

Term
41

 
29

Total commercial real estate
47

 
36

Consumer:
 
 
 
Home equity credit line
11

 
11

1-4 family residential
40

 
36

Construction and other consumer real estate
1

 
2

Bankcard and other revolving plans
1

 
1

Other
1

 
—

Total consumer loans
54

 
50

Total
$
452

 
$
529
Summary Of Past Due Loans (Accruing And Nonaccruing)
Past due loans (accruing and nonaccruing) are summarized as follows:
 
September 30, 2017
(In millions)
Current
 
30-89 days
past due
 
90+ days
past due
 
Total
past due
 
Total
loans
 
Accruing
loans
90+ days
past due
 
Nonaccrual
loans
that are
current 1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
58

 
$
—

 
$
13

 
$
13

 
$
71

 
$
—

 
$
—

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,870

 
$
53

 
$
118

 
$
171

 
$
14,041

 
$
17

 
$
150

Leasing
343

 
—

 
—

 
—

 
343

 
—

 
8

Owner-occupied
7,021

 
27

 
34

 
61

 
7,082

 
5

 
49

Municipal
1,073

 
—

 
—

 
—

 
1,073

 
—

 
1

Total commercial
22,307

 
80

 
152

 
232

 
22,539

 
22

 
208

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,158

 
6

 
6

 
12

 
2,170

 
1

 
1

Term
8,925

 
8

 
11

 
19

 
8,944

 
2

 
30

Total commercial real estate
11,083

 
14

 
17

 
31

 
11,114

 
3

 
31

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,735

 
6

 
4

 
10

 
2,745

 
—

 
4

1-4 family residential
6,497

 
10

 
15

 
25

 
6,522

 
—

 
20

Construction and other consumer real estate
547

 
6

 
5

 
11

 
558

 
4

 
—

Bankcard and other revolving plans
486

 
3

 
1

 
4

 
490

 
1

 
1

Other
185

 
3

 
—

 
3

 
188

 
—

 
1

Total consumer loans
10,450

 
28

 
25

 
53

 
10,503

 
5

 
26

Total
$
43,840

 
$
122

 
$
194

 
$
316

 
$
44,156

 
$
30

 
$
265

 
December 31, 2016
(In millions)
Current
 
30-89 days
past due
 
90+ days
past due
 
Total
past due
 
Total
loans
 
Accruing
loans
90+ days
past due
 
Nonaccrual
loans
that are
current 1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
172

 
$
—

 
$
—

 
$
—

 
$
172

 
$
—

 
$
40

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,306

 
$
72

 
$
74

 
$
146

 
$
13,452

 
$
10

 
$
287

Leasing
423

 
—

 
—

 
—

 
423

 
—

 
14

Owner-occupied
6,894

 
40

 
28

 
68

 
6,962

 
8

 
43

Municipal
778

 
—

 
—

 
—

 
778

 
—

 
1

Total commercial
21,401

 
112

 
102

 
214

 
21,615

 
18

 
345

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,010

 
7

 
2

 
9

 
2,019

 
1

 
1

Term
9,291

 
9

 
22

 
31

 
9,322

 
12

 
18

Total commercial real estate
11,301

 
16

 
24

 
40

 
11,341

 
13

 
19

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,635

 
4

 
6

 
10

 
2,645

 
1

 
5

1-4 family residential
5,857

 
12

 
22

 
34

 
5,891

 
—

 
11

Construction and other consumer real estate
479

 
3

 
4

 
7

 
486

 
3

 
—

Bankcard and other revolving plans
478

 
2

 
1

 
3

 
481

 
1

 
1

Other
189

 
1

 
—

 
1

 
190

 
—

 
—

Total consumer loans
9,638

 
22

 
33

 
55

 
9,693

 
5

 
17

Total
$
42,340

 
$
150

 
$
159

 
$
309

 
$
42,649

 
$
36

 
$
381

1 
Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.
Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators
 
September 30, 2017
(In millions)
Pass
 
Special
Mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,987

 
$
357

 
$
695

 
$
2

 
$
14,041

 
 
Leasing
325

 
1

 
17

 
—

 
343

 
 
Owner-occupied
6,697

 
93

 
292

 
—

 
7,082

 
 
Municipal
1,072

 
—

 
1

 
—

 
1,073

 
 
Total commercial
21,081

 
451

 
1,005

 
2

 
22,539

 
$
385

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,140

 
24

 
6

 
—

 
2,170

 
 
Term
8,697

 
84

 
163

 
—

 
8,944

 
 
Total commercial real estate
10,837

 
108

 
169

 
—

 
11,114

 
107

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,728

 
—

 
17

 
—

 
2,745

 
 
1-4 family residential
6,475

 
—

 
47

 
—

 
6,522

 
 
Construction and other consumer real estate
554

 
—

 
4

 
—

 
558

 
 
Bankcard and other revolving plans
487

 
—

 
3

 
—

 
490

 
 
Other
187

 
—

 
1

 
—

 
188

 
 
Total consumer loans
10,431

 
—

 
72

 
—

 
10,503

 
49

Total
$
42,349

 
$
559

 
$
1,246

 
$
2

 
$
44,156

 
$
541

 
December 31, 2016
(In millions)
Pass
 
Special
Mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
12,185

 
$
266

 
$
998

 
$
3

 
$
13,452

 
 
Leasing
387

 
5

 
30

 
1

 
423

 
 
Owner-occupied
6,560

 
96

 
306

 
—

 
6,962

 
 
Municipal
765

 
7

 
6

 
—

 
778

 
 
Total commercial
19,897

 
374

 
1,340

 
4

 
21,615

 
$
420

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
1,942

 
52

 
25

 
—

 
2,019

 
 
Term
9,096

 
82

 
144

 
—

 
9,322

 
 
Total commercial real estate
11,038

 
134

 
169

 
—

 
11,341

 
116

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,629

 
—

 
16

 
—

 
2,645

 
 
1-4 family residential
5,851

 
—

 
40

 
—

 
5,891

 
 
Construction and other consumer real estate
482

 
—

 
4

 
—

 
486

 
 
Bankcard and other revolving plans
478

 
—

 
3

 
—

 
481

 
 
Other
189

 
—

 
1

 
—

 
190

 
 
Total consumer loans
9,629

 
—

 
64

 
—

 
9,693

 
31

Total
$
40,564

 
$
508

 
$
1,573

 
$
4

 
$
42,649

 
$
567
Summary Of Information On Impaired Loans
 
September 30, 2017
(In millions)
Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
313

 
$
109

 
$
160

 
$
269

 
$
25

Owner-occupied
117

 
64

 
39

 
103

 
3

Municipal
1

 
1

 
—

 
1

 
—

Total commercial
431

 
174

 
199

 
373

 
28

Commercial real estate:
 
 
 
 
 
 
 
 
 
Construction and land development
10

 
5

 
4

 
9

 
—

Term
67

 
45

 
12

 
57

 
—

Total commercial real estate
77

 
50

 
16

 
66

 
—

Consumer:
 
 
 
 
 
 
 
 
 
Home equity credit line
24

 
13

 
8

 
21

 
—

1-4 family residential
61

 
26

 
25

 
51

 
4

Construction and other consumer real estate
3

 
2

 
1

 
3

 
—

Other
1

 
1

 
—

 
1

 
—

Total consumer loans
89

 
42

 
34

 
76

 
4

Total
$
597

 
$
266

 
$
249

 
$
515

 
$
32

 
December 31, 2016
(In millions)
Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
470

 
$
82

 
$
311

 
$
393

 
$
52

Owner-occupied
115

 
71

 
30

 
101

 
3

Municipal
1

 
1

 
—

 
1

 
—

Total commercial
586

 
154

 
341

 
495

 
55

Commercial real estate:
 
 
 
 
 
 
 
 
 
Construction and land development
22

 
7

 
6

 
13

 
—

Term
92

 
53

 
17

 
70

 
2

Total commercial real estate
114

 
60

 
23

 
83

 
2

Consumer:
 
 
 
 
 
 
 
 
 
Home equity credit line
24

 
16

 
7

 
23

 
—

1-4 family residential
59

 
27

 
28

 
55

 
6

Construction and other consumer real estate
3

 
1

 
2

 
3

 
—

Other
2

 
1

 
—

 
1

 
—

Total consumer loans
88

 
45

 
37

 
82

 
6

Total
$
788

 
$
259

 
$
401

 
$
660

 
$
63

 
Three Months Ended
September 30, 2017
 
Nine Months Ended
September 30, 2017
(In millions)
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
Commercial:
 
 
 
 
 
 
 
Commercial and industrial
$
356

 
$
1

 
$
311

 
$
5

Owner-occupied
104

 
2

 
101

 
5

Municipal
1

 
—

 
1

 
—

Total commercial
461

 
3

 
413

 
10

Commercial real estate:
 
 
 
 
 
 
 
Construction and land development
10

 
—

 
11

 
—

Term
53

 
1

 
58

 
11

Total commercial real estate
63

 
1

 
69

 
11

Consumer:
 
 
 
 
 
 
 
Home equity credit line
21

 
—

 
21

 
1

1-4 family residential
53

 
1

 
53

 
1

Construction and other consumer real estate
2

 
—

 
2

 
—

Other
1

 
—

 
1

 
—

Total consumer loans
77

 
1

 
77


2

Total
$
601

 
$
5

 
$
559

 
$
23

 
Three Months Ended
September 30, 2016
 
Nine Months Ended
September 30, 2016
(In millions)
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
Commercial:
 
 
 
 
 
 
 
Commercial and industrial
$
449

 
$
1

 
$
319

 
$
4

Owner-occupied
100

 
2

 
103

 
8

Municipal
1

 
—

 
1

 
—

Total commercial
550

 
3

 
423

 
12

Commercial real estate:
 
 
 
 
 
 
 
Construction and land development
11

 
1

 
12

 
2

Term
74

 
3

 
79

 
9

Total commercial real estate
85

 
4

 
91

 
11

Consumer:
 
 
 
 
 
 
 
Home equity credit line
23

 
—

 
22

 
1

1-4 family residential
61

 
1

 
58

 
2

Construction and other consumer real estate
3

 
—

 
3

 
—

Other
2

 
—

 
2

 
—

Total consumer loans
89

 
1

 
85

 
3

Total
$
724

 
$
8

 
$
599

 
$
26
Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type
 
September 30, 2017
 
Recorded investment resulting from the following modification types:
 
 
(In millions)
Interest
rate below
market
 
Maturity
or term
extension
 
Principal
forgiveness
 
Payment
deferral
 
Other1
 
Multiple
modification
types2
 
Total
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
—

 
$
4

 
$
—

 
$
—

 
$
11

 
$
23

 
$
38

Owner-occupied
2

 
—

 
1

 
—

 
7

 
13

 
23

Total commercial
2

 
4

 
1

 
—

 
18

 
36

 
61

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
2

 
—

 
—

 
—

 
2

 
4

Term
4

 
—

 
—

 
1

 
2

 
7

 
14

Total commercial real estate
4

 
2

 
—

 
1

 
2

 
9

 
18

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
2

 
10

 
—

 
—

 
3

 
15

1-4 family residential
1

 
—

 
7

 
1

 
2

 
26

 
37

Construction and other consumer real estate
—

 
1

 
—

 
—

 
—

 
1

 
2

Total consumer loans
1

 
3


17


1


2


30

 
54

Total accruing
7

 
9

 
18

 
2

 
22

 
75

 
133

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
—

 
1

 
4

 
4

 
46

 
27

 
82

Owner-occupied
1

 
2

 
—

 
1

 
1

 
9

 
14

Municipal
—

 
1

 
—

 
—

 
—

 
—

 
1

Total commercial
1

 
4

 
4

 
5

 
47

 
36

 
97

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

Term
2

 
1

 
—

 
—

 
1

 
4

 
8

Total commercial real estate
2

 
1

 
—

 
—

 
1

 
4

 
8

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
—

 
1

 
—

 
—

 
—

 
1

1-4 family residential
—

 
—

 
2

 
—

 
1

 
5

 
8

Construction and other consumer real estate
—

 
—

 
—

 
1

 
—

 
—

 
1

Total consumer loans
—

 
—

 
3

 
1

 
1

 
5

 
10

Total nonaccruing
3

 
5

 
7

 
6

 
49

 
45

 
115

Total
$
10

 
$
14

 
$
25

 
$
8

 
$
71

 
$
120

 
$
248

1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.
2 
Includes TDRs that resulted from a combination of any of the previous modification types.
 
December 31, 2016
 
Recorded investment resulting from the following modification types:
 
 
(In millions)
Interest
rate below
market
 
Maturity
or term
extension
 
Principal
forgiveness
 
Payment
deferral
 
Other1
 
Multiple
modification
types2
 
Total
Accruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
—

 
$
19

 
$
—

 
$
—

 
$
—

 
$
28

 
$
47

Owner-occupied
3

 
—

 
1

 
—

 
8

 
10

 
22

Total commercial
3

 
19

 
1

 
—

 
8

 
38

 
69

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
4

 
—

 
—

 
—

 
4

 
8

Term
4

 
—

 
—

 
1

 
2

 
10

 
17

Total commercial real estate
4

 
4

 
—

 
1

 
2

 
14

 
25

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
1

 
10

 
—

 
—

 
3

 
14

1-4 family residential
3

 
1

 
6

 
—

 
2

 
30

 
42

Construction and other consumer real estate
—

 
—

 
—

 
—

 
—

 
1

 
1

Total consumer loans
3

 
2

 
16

 
—

 
2

 
34

 
57

Total accruing
10

 
25

 
17

 
1

 
12

 
86

 
151

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
1

 
—

 
—

 
1

 
33

 
25

 
60

Owner-occupied
—

 
1

 
—

 
3

 
1

 
12

 
17

Municipal
—

 
1

 
—

 
—

 
—

 
—

 
1

Total commercial
1

 
2

 
—

 
4

 
34

 
37

 
78

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
2

 
—

 
2

Term
2

 
1

 
—

 
—

 
2

 
3

 
8

Total commercial real estate
2

 
1

 
—

 
—

 
4

 
3

 
10

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
—

 
1

 
—

 
—

 
1

 
2

1-4 family residential
—

 
—

 
2

 
—

 
1

 
5

 
8

Construction and other consumer real estate
—

 
—

 
—

 
2

 
—

 
—

 
2

Total consumer loans
—

 
—

 
3

 
2

 
1

 
6

 
12

Total nonaccruing
3

 
3

 
3

 
6

 
39

 
46

 
100

Total
$
13

 
$
28

 
$
20

 
$
7

 
$
51

 
$
132

 
$
251

1 
Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.
2 
Includes TDRs that resulted from a combination of any of the previous modification types.
Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans
(In millions)
September 30, 2017
 
December 31, 2016
 
 
 
 
Commercial
$
36

 
$
49

Commercial real estate
15

 
51

Consumer
7

 
9

Outstanding balance
$
58

 
$
109

Carrying amount
$
40

 
$
77

Less ALLL
—

 
1

Carrying amount, net
$
40

 
$
76
Schedule Of Changes In The Accretable Yield For PCI Loans
(In millions)
Three Months Ended
September 30,
 
Nine Months Ended
September 30,
2017
 
2016
 
2017
 
2016
 
 
 
 
 
 
 
 
Balance at beginning of period
$
21

 
$
38

 
$
33

 
$
40

Accretion
(2
)
 
(6
)
 
(17
)
 
(19
)
Reclassification from nonaccretable difference
—

 
—

 
(1
)
 
9

Disposals and other
—

 
2

 
4

 
4

Balance at end of period
$
19

 
$
34

 
$
19

 
$
34

Note: Amounts have been adjusted based on refinements to the original estimates of the accretable yield.