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Loans And Allowance For Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2017
Loans And Allowance For Credit Losses [Abstract]  
Summary Of Major Portfolio Segment And Specific Loan Class
 
December 31,
(In millions)
2017
 
2016
 
 
 
 
Loans held for sale
$
44

 
$
172

Commercial:
 
 
 
Commercial and industrial
$
14,003

 
$
13,452

Leasing
364

 
423

Owner-occupied
7,288

 
6,962

Municipal
1,271

 
778

Total commercial
22,926

 
21,615

Commercial real estate:
 
 
 
Construction and land development
2,021

 
2,019

Term
9,103

 
9,322

Total commercial real estate
11,124

 
11,341

Consumer:
 
 
 
Home equity credit line
2,777

 
2,645

1-4 family residential
6,662

 
5,891

Construction and other consumer real estate
597

 
486

Bankcard and other revolving plans
509

 
481

Other
185

 
190

Total consumer
10,730

 
9,693

Total loans
$
44,780

 
$
42,649
Summary Of Changes in The Allowance For Credit Losses
 
December 31, 2017
(In millions)
 
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of year
$
420

 
$
116

 
$
31

 
$
567

Additions:
 
 
 
 
 
 
 
Provision for loan losses
23

 
(18
)
 
19

 
24

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(118
)
 
(9
)
 
(17
)
 
(144
)
Recoveries
46

 
14

 
11

 
71

Net loan and lease (charge-offs) recoveries
(72
)
 
5

 
(6
)
 
(73
)
Balance at end of year
$
371

 
$
103

 
$
44

 
$
518

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

 
$
11

 
$
—

 
$
65

Provision credited to earnings
(6
)
 
(1
)
 
—

 
(7
)
Balance at end of year
$
48

 
$
10

 
$
—

 
$
58

Total allowance for credit losses
 
 
 
 
 
 
 
Allowance for loan losses
$
371

 
$
103

 
$
44

 
$
518

Reserve for unfunded lending commitments
48

 
10

 
—

 
58

Total allowance for credit losses
$
419

 
$
113

 
$
44

 
$
576


 
December 31, 2016
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Balance at beginning of year
$
454

 
$
114

 
$
38

 
$
606

Additions:
 
 
 
 
 
 
 
Provision for loan losses
93

 
—

 
—

 
93

Deductions:
 
 
 
 
 
 
 
Gross loan and lease charge-offs
(170
)
 
(12
)
 
(16
)
 
(198
)
Recoveries
43

 
14

 
9

 
66

Net loan and lease charge-offs
(127
)
 
2

 
(7
)
 
(132
)
Balance at end of year
$
420

 
$
116

 
$
31

 
$
567

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

 
$
16

 
$
1

 
$
75

Provision credited to earnings
(4
)
 
(5
)
 
(1
)
 
(10
)
Balance at end of year
$
54

 
$
11

 
$
—

 
$
65

Total allowance for credit losses
 
 
 
 
 
 
 
Allowance for loan losses
$
420


$
116


$
31


$
567

Reserve for unfunded lending commitments
54


11


—


65

Total allowance for credit losses
$
474

 
$
127

 
$
31

 
$
632
Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method
 
December 31, 2017
(In millions)
Commercial
 
Commercial
real estate
 
Consumer
 
Total
Allowance for loan losses
 
 
 
 
 
 
 
Individually evaluated for impairment
$
26

 
$
1

 
$
4

 
$
31

Collectively evaluated for impairment
345

 
102

 
40

 
487

Purchased loans with evidence of credit deterioration
—

 
—

 
—

 
—

Total
$
371

 
$
103

 
$
44

 
$
518

Outstanding loan balances
 
 
 
 
 
 
 
Individually evaluated for impairment
$
314

 
$
69

 
$
76

 
$
459

Collectively evaluated for impairment
22,598

 
11,048

 
10,648

 
44,294

Purchased loans with evidence of credit deterioration
14

 
7

 
6

 
27

Total
$
22,926

 
$
11,124

 
$
10,730

 
$
44,780



 
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 Nonaccrual Loans
Nonaccrual loans are summarized as follows:
 
December 31,
(In millions)
2017
 
2016
 
 
 
 
Loans held for sale
$
12

 
$
40

Commercial:
 
 
 
Commercial and industrial
$
195

 
$
354

Leasing
8

 
14

Owner-occupied
90

 
74

Municipal
1

 
1

Total commercial
294

 
443

Commercial real estate:
 
 
 
Construction and land development
4

 
7

Term
36

 
29

Total commercial real estate
40

 
36

Consumer:
 
 
 
Home equity credit line
13

 
11

1-4 family residential
55

 
36

Construction and other consumer real estate
—

 
2

Bankcard and other revolving plans
—

 
1

Other
—

 
—

Total consumer loans
68

 
50

Total
$
402

 
$
529
Summary Of Past Due Loans (Accruing And Nonaccruing)
Past due loans (accruing and nonaccruing) are summarized as follows:
 
December 31, 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
current1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans held for sale
$
44

 
$
—

 
$
—

 
$
—

 
$
44

 
$
—

 
$
12

Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,887

 
$
60

 
$
56

 
$
116

 
$
14,003

 
$
13

 
$
146

Leasing
363

 
1

 
—

 
1

 
364

 
—

 
8

Owner-occupied
7,219

 
29

 
40

 
69

 
7,288

 
4

 
49

Municipal
1,271

 
—

 
—

 
—

 
1,271

 
—

 
1

Total commercial
22,740

 
90

 
96

 
186

 
22,926

 
17

 
204

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,014

 
3

 
4

 
7

 
2,021

 
—

 
—

Term
9,079

 
13

 
11

 
24

 
9,103

 
2

 
25

Total commercial real estate
11,093

 
16

 
15

 
31

 
11,124

 
2

 
25

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,763

 
9

 
5

 
14

 
2,777

 
—

 
5

1-4 family residential
6,621

 
16

 
25

 
41

 
6,662

 
1

 
27

Construction and other consumer real estate
590

 
6

 
1

 
7

 
597

 
1

 
—

Bankcard and other revolving plans
506

 
2

 
1

 
3

 
509

 
1

 
—

Other
184

 
1

 
—

 
1

 
185

 
—

 
—

Total consumer loans
10,664

 
34

 
32

 
66

 
10,730

 
3

 
32

Total
$
44,497

 
$
140

 
$
143

 
$
283

 
$
44,780

 
$
22

 
$
261

 
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
current1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
 
December 31, 2017
(In millions)
Pass
 
Special
mention
 
Sub-
standard
 
Doubtful
 
Total
loans
 
Total
allowance
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
13,001

 
$
395

 
$
606

 
$
1

 
$
14,003

 
 
Leasing
342

 
6

 
16

 
—

 
364

 
 
Owner-occupied
6,920

 
93

 
275

 
—

 
7,288

 
 
Municipal
1,257

 
13

 
1

 
—

 
1,271

 
 
Total commercial
21,520

 
507

 
898

 
1

 
22,926

 
$
371

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
2,002

 
15

 
4

 
—

 
2,021

 
 
Term
8,816

 
138

 
149

 
—

 
9,103

 
 
Total commercial real estate
10,818

 
153

 
153

 
—

 
11,124

 
103

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
2,759

 
—

 
18

 
—

 
2,777

 
 
1-4 family residential
6,602

 
—

 
60

 
—

 
6,662

 
 
Construction and other consumer real estate
596

 
—

 
1

 
—

 
597

 
 
Bankcard and other revolving plans
507

 
—

 
2

 
—

 
509

 
 
Other
185

 
—

 
—

 
—

 
185

 
 
Total consumer loans
10,649

 
—

 
81

 
—

 
10,730

 
44

Total
$
42,987

 
$
660

 
$
1,132

 
$
1

 
$
44,780

 
$
518

 
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
 
December 31, 2017
 
Year Ended
December 31, 2017
(In millions)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
 
Average
recorded
investment
 
Interest
income
recognized
with no
allowance
 
with
allowance
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
293

 
$
80

 
$
142

 
$
222

 
$
24

 
$
289

 
$
6

Owner-occupied
120

 
79

 
23

 
102

 
2

 
97

 
6

Municipal
1

 
1

 
—

 
1

 
—

 
1

 
—

Total commercial
414

 
160

 
165

 
325

 
26

 
387

 
12

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
8

 
4

 
2

 
6

 
—

 
8

 
—

Term
56

 
36

 
12

 
48

 
—

 
49

 
12

Total commercial real estate
64

 
40

 
14

 
54

 
—

 
57

 
12

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
25

 
13

 
9

 
22

 
—

 
21

 
1

1-4 family residential
67

 
28

 
29

 
57

 
4

 
52

 
1

Construction and other consumer real estate
2

 
1

 
1

 
2

 
—

 
2

 
—

Other
1

 
1

 
—

 
1

 
—

 
1

 
1

Total consumer loans
95

 
43

 
39

 
82

 
4

 
76

 
3

Total
$
573

 
$
243

 
$
218

 
$
461

 
$
30

 
$
520

 
$
27

 
December 31, 2016
 
Year Ended
December 31, 2016
(In millions)

Unpaid
principal
balance
 
Recorded investment
 
Total
recorded
investment
 
Related
allowance
 
Average
recorded
investment
 
Interest
income
recognized
with no
allowance
 
with
allowance
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
470

 
$
82

 
$
311

 
$
393

 
$
52

 
$
333

 
$
5

Owner-occupied
115

 
71

 
30

 
101

 
3

 
99

 
9

Municipal
1

 
1

 
—

 
1

 
—

 
1

 
—

Total commercial
586

 
154

 
341

 
495

 
55

 
433

 
14

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
22

 
7

 
6

 
13

 
—

 
11

 
2

Term
92

 
53

 
17

 
70

 
2

 
76

 
13

Total commercial real estate
114

 
60

 
23

 
83

 
2

 
87

 
15

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
24

 
16

 
7

 
23

 
—

 
22

 
1

1-4 family residential
59

 
27

 
28

 
55

 
6

 
57

 
2

Construction and other consumer real estate
3

 
1

 
2

 
3

 
—

 
2

 
—

Other
2

 
1

 
—

 
1

 
—

 
2

 
—

Total consumer loans
88

 
45

 
37

 
82

 
6

 
83

 
3

Total
$
788

 
$
259

 
$
401

 
$
660

 
$
63

 
$
603

 
$
32
Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type
 
December 31, 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
$
—

 
$
2

 
$
—

 
$
—

 
$
12

 
$
33

 
$
47

Owner-occupied
1

 
1

 
—

 
—

 
7

 
14

 
23

Total commercial
1

 
3

 
—

 
—

 
19

 
47

 
70

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
2

 
2

Term
6

 
—

 
—

 
1

 
—

 
7

 
14

Total commercial real estate
6

 
—

 
—

 
1

 
—

 
9

 
16

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
2

 
9

 
—

 
1

 
3

 
15

1-4 family residential
1

 
—

 
6

 
1

 
2

 
26

 
36

Construction and other consumer real estate
—

 
1

 
—

 
—

 
—

 
1

 
2

Total consumer loans
1

 
3

 
15

 
1

 
3

 
30

 
53

Total accruing
8

 
6

 
15

 
2

 
22

 
86

 
139

Nonaccruing
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial:
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
—

 
3

 
5

 
2

 
28

 
24

 
62

Owner-occupied
1

 
2

 
—

 
1

 
1

 
5

 
10

Municipal
—

 
1

 
—

 
—

 
—

 
—

 
1

Total commercial
1

 
6

 
5

 
3

 
29

 
29

 
73

Commercial real estate:
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development
—

 
—

 
—

 
—

 
—

 
—

 
—

Term
2

 
—

 
—

 
—

 
—

 
3

 
5

Total commercial real estate
2

 
—

 
—

 
—

 
—

 
3

 
5

Consumer:
 
 
 
 
 
 
 
 
 
 
 
 
 
Home equity credit line
—

 
—

 
1

 
—

 
—

 
—

 
1

1-4 family residential
—

 
—

 
2

 
—

 
1

 
5

 
8

Construction and other consumer real estate
—

 
—

 
—

 
—

 
—

 
—

 
—

Total consumer loans
—

 
—

 
3

 
—

 
1

 
5

 
9

Total nonaccruing
3

 
6

 
8

 
3

 
30

 
37

 
87

Total
$
11

 
$
12

 
$
23

 
$
5

 
$
52

 
$
123

 
$
226

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 Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans
(In millions)
2017
 
2016
Consumer:
 
 
 
1-4 family residential
$
(1
)
 
$
(1
)
Total consumer loans
(1
)
 
(1
)
Total decrease to interest income 1
$
(1
)
 
$
(1
)
1 
Calculated based on the difference between the modified rate and the premodified rate applied to the recorded investment.
Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings
(In millions)
December 31, 2017
 
December 31, 2016
Accruing
 
Nonaccruing
 
Total
 
Accruing
 
Nonaccruing
 
Total
Commercial:
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
$
1

 
$
3

 
$
4

 
$
—

 
$
—

 
$
—

Owner-occupied
—

 
1

 
1

 
—

 
1

 
1

Total commercial
1

 
4

 
5

 
—

 
1

 
1

Consumer:
 
 
 
 
 
 
 
 
 
 
 
Construction and other consumer real estate
—

 
—

 
—

 
—

 
2

 
2

Total consumer loans
—

 
—

 
—

 
—

 
2

 
2

Total
$
1

 
$
4

 
$
5

 
$
—

 
$
3

 
$
3


Note: Total loans modified as TDRs during the 12 months previous to December 31, 2017 and 2016 were $94 million and $73 million, respectively.
Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans
 
December 31,
(In millions) 
2017
 
2016
 
 
 
 
Commercial
$
25

 
$
49

Commercial real estate
9

 
51

Consumer
7

 
9

Outstanding balance
$
41

 
$
109

Carrying amount
$
27

 
$
77

Less ALLL
—

 
1

Carrying amount, net
$
27

 
$
76
Schedule Of Changes In The Accretable Yield For PCI Loans
(In millions)
2017
 
2016
 
 
 
 
Balance at beginning of year
$
33

 
$
40

Accretion
(20
)
 
(24
)
Reclassification from nonaccretable difference
—

 
11

Disposals and other
1

 
6

Balance at end of year
$
14

 
$
33