10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

ý QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2019

COMMISSION FILE NUMBER 001-12307

ZIONS BANCORPORATION, NATIONAL ASSOCIATION

(Exact name of registrant as specified in its charter)

UNITED STATES OF AMERICA	87-0189025
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)
One South Main Salt Lake City, Utah	84133
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (801) 844-7637

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  ý    No  ¨

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  ý    No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer	ý	Accelerated filer	¨
Non-accelerated filer	¨	Smaller reporting company	¨
		Emerging growth company	¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ¨    No  ý

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class	Trading Symbols	Name of Each Exchange on Which Registered
Common Stock, par value $0.001	ZION	The NASDAQ Stock Market LLC
Warrants to Purchase Common Stock (expiring May 22, 2020)	ZIONW	The NASDAQ Stock Market LLC
Depositary Shares each representing a 1/40th ownership interest in a share of Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock	ZB/A	New York Stock Exchange
Depositary Shares each representing a 1/40th ownership interest in a share of Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock	ZB/G	New York Stock Exchange
Depositary Shares each representing a 1/40th ownership interest in a share of Series H 5.75% Non-Cumulative Perpetual Preferred Stock	ZB/H	New York Stock Exchange
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028	ZBK	New York Stock Exchange

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

Common Stock ($0.001 par value) outstanding at April 30, 2019 182,565,329 shares

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Table of Contents

		Page
PART  I. FINANCIAL INFORMATION
Item 1.	Financial Statements (Unaudited)	32
	Consolidated Balance Sheets	32
	Consolidated Statements of Income	33
	Consolidated Statements of Comprehensive Income	34
	Consolidated Statements of Changes in Shareholders’ Equity	35
	Consolidated Statements of Cash Flows	36
	Notes to Consolidated Financial Statements	37
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	3
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	71
Item 4.	Controls and Procedures	71
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	71
Item 1A.	Risk Factors	71
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	72
Item 6.	Exhibits	72
Signatures		73

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

PART I. FINANCIAL INFORMATION

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

FORWARD-LOOKING INFORMATION

This Quarterly Report on Form 10-Q includes forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, or the Exchange Act. Statements in this Quarterly Report on Form 10-Q that are based on other than historical information, or that express the Bank’s expectations regarding future events or determinations, are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements provide current expectations or forecasts of future events and include, among others:

• statements with respect to the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, results of operations and performance of Zions Bancorporation, National Association and its subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”); and

• statements preceded by, followed by, or that include the words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” and the negative thereof and similar words and expressions.

Zions Bancorporation, National Association is the successor to Zions Bancorporation by merger of Zions Bancorporation into ZB, N.A. on September 30, 2018. References to “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” and “us” are intended to refer to Zions Bancorporation and its subsidiaries for periods prior to the merger and to Zions Bancorporation, National Association, and its subsidiaries for periods on and after the merger.

These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date. Forward-looking statements by their nature address matters that are, to different degrees, uncertain, including without limitation, future financial and operating results. Actual results may differ materially from those presented, either expressed or implied, including, but not limited to, those presented in Management’s Discussion and Analysis. Important risk factors that may cause such material differences include, but are not limited to:

• the Bank’s ability to successfully execute its business plans, manage its risks, and achieve its objectives, including its operating leverage;

• the impact of acquisitions, dispositions, and corporate restructurings;

• increases in the levels of losses, customer bankruptcies, bank failures, claims, and assessments;

• the ability of the Bank to retain and recruit executives and other personnel necessary for their businesses and competitiveness;

• changes in local, national and international political and economic conditions, including without limitation the political and economic effects of the fiscal imbalance in the United States (“U.S.”) and other countries, potential or actual downgrades in ratings of sovereign debt issued by the United States and other countries, and other major developments, including wars, military actions, and terrorist attacks;

• changes in financial and commodity market prices and conditions, either internationally, nationally or locally in areas in which the Bank conducts its operations, including without limitation rates of business formation and growth, commercial and residential real estate development, real estate prices, agricultural-related commodity prices, and oil and gas-related commodity prices;

• changes in markets for equity, fixed income, commercial paper and other securities, commodities, including availability, market liquidity levels, and pricing;

• changes in interest rates, the quality and composition of the loan and securities portfolios, demand for loan products, deposit flows and competition;

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

• the rate of change of the Bank’s interest-sensitive assets and liabilities relative to changes in benchmark interest rates;

• changes in fiscal, monetary, regulatory, trade and tax policies and laws, and regulatory assessments and fees, including policies of the U.S. Department of Treasury, the Office of the Comptroller of the Currency (“OCC”), the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (“FDIC”), the Securities and Exchange Commission (“SEC”), and the Consumer Financial Protection Bureau (“CFPB”);

• changes in consumer spending and savings habits;

• inflation and deflation;

• increased competitive challenges and expanding product and pricing pressures among financial institutions;

• legislation or regulatory changes which adversely affect the Bank’s operations or business;

• the Bank’s ability to comply with applicable laws and regulations;

• costs of deposit insurance and changes with respect to FDIC insurance coverage levels;

• any impairment of our goodwill or other intangibles, or any adjustment of valuation allowances on our deferred tax assets (“DTAs”) due to adverse changes in the economic environment, declining operations of the reporting unit, or a change to the corporate statutory tax rate or other similar changes if and as implemented by local and national governments, or other factors;

• the impact of rules and regulations on our required regulatory capital and liquidity levels, governmental assessments on us, the scope of business activities in which we may engage, the manner in which we engage in such activities, and the fees we may charge for certain products and services;

• uncertainties related to the application of the National Bank Act of 1863, 12 U.S.C. 38 (the “National Bank Act”) and OCC regulations to the Bank’s corporate affairs as more fully described under “Risk Factors” in our 2018 Annual Report on Form 10-K;

• changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board (“FASB”) or regulatory agencies;

• risks and uncertainties related to the ability to obtain shareholder and regulatory approvals when required, or the possibility that such approvals may be delayed;

• new legal claims against the Bank, including litigation, arbitration and proceedings brought by governmental or self-regulatory agencies, or changes in existing legal matters;

• economies of scale attendant to the development of digital and other technologies by much larger bank and non-bank competitors, and the possible entry of technology “platform” companies into the financial services business;

• the Bank’s ability to develop and maintain secure and reliable information technology systems, including as necessary to guard against fraud, cybersecurity and privacy risks; and

• the Bank’s implementation of new technologies.

Except to the extent required by law, the Bank specifically disclaims any obligation to update any factors or to publicly announce the result of revisions to any of the forward-looking statements included herein to reflect future events or developments.

GLOSSARY OF ACRONYMS

ACL	Allowance for Credit Losses	ASC	Accounting Standards Codification
AFS	Available-for-Sale	ASU	Accounting Standards Update
ALCO	Asset/Liability Committee	ATM	Automated Teller Machine
ALLL	Allowance for Loan and Lease Losses	bps	basis points
Amegy	Amegy Bank, a division of Zions Bancorporation, National Association	CB&T	California Bank & Trust, a division of Zions Bancorporation, National Association
AOCI	Accumulated Other Comprehensive Income	CFPB	Consumer Financial Protection Bureau

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CLTV	Combined Loan-to-Value Ratio	NSB	Nevada State Bank, a division of Zions Bancorporation, National Association
COSO	Committee of Sponsoring Organizations of the Treadway Commission	OCC	Office of the Comptroller of the Currency
CRE	Commercial Real Estate	OCI	Other Comprehensive Income
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	OREO	Other Real Estate Owned
DTA	Deferred Tax Asset	OTTI	Other-Than-Temporary Impairment
EaR	Earnings at Risk	PAGA	Private Attorney General Act
ERM	Enterprise Risk Management	PEI	Private Equity Investment
EVE	Economic Value of Equity at Risk	PPNR	Pre-provision Net Revenue
FASB	Financial Accounting Standards Board	ROC	Risk Oversight Committee
FDIC	Federal Deposit Insurance Corporation	ROU	Right-of-Use
FDICIA	Federal Deposit Insurance Corporation Improvement Act	RULC	Reserve for Unfunded Lending Commitments
FHLB	Federal Home Loan Bank	S&P	Standard and Poor's
FTP	Funds Transfer Pricing	SBA	Small Business Administration
GAAP	Generally Accepted Accounting Principles	SBIC	Small Business Investment Company
HECL	Home Equity Credit Line	SEC	Securities and Exchange Commission
HTM	Held-to-Maturity	TCBW	The Commerce Bank of Washington, a division of Zions Bancorporation, National Association
IMG	International Manufacturing Group	TDR	Troubled Debt Restructuring
LIBOR	London Interbank Offered Rate	Tier 1	Common Equity Tier 1 (Basel III)
Municipalities	State and Local Governments	Topic 842	ASU 2016-02, “Leases”
NASDAQ	National Association of Securities Dealers Automated Quotations	U.S.	United States
NBAZ	National Bank of Arizona, a division of Zions Bancorporation, National Association	Vectra	Vectra Bank Colorado, a division of Zions Bancorporation, National Association
NIM	Net Interest Margin	Zions Bancorporation, N.A.	Zions Bancorporation, National Association
NM	Not Meaningful	Zions Bank	Zions Bank, a division of Zions Bancorporation, National Association

CRITICAL ACCOUNTING POLICIES AND SIGNIFICANT ESTIMATES

The Bank has made no significant changes in its critical accounting policies and significant estimates from those disclosed in its 2018 Annual Report on Form 10-K.

Accounting and Reporting Developments

In June 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-13, Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This new standard significantly changes how entities will measure credit losses for virtually all financial assets. The standard replaces today’s “incurred loss” approach with an “expected loss” model for instruments such as loans and held-to-maturity (“HTM”) securities that are measured at amortized cost. The standard requires credit losses relating to available-for-sale (“AFS”) debt securities to be recorded through an allowance rather than a reduction of the carrying amount and replaces the historically required other-than-temporary impairment (“OTTI”) analysis. It also changes the accounting for purchased credit-impaired debt securities and loans. The standard retains many of the current disclosure requirements in U.S. generally accepted accounting principles (“GAAP”) and expands other disclosure requirements. The new guidance is effective for calendar year-end public companies beginning January 1, 2020.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Our implementation team, led jointly by Credit, Treasury, and the Corporate Controller’s group, has developed models to meet the new standard that are being validated. We have started to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, and finalizing the qualitative allowance process and disclosures.

Based upon our modeling-to-date, we expect more volatility in the credit loss estimate and less comparability among banks when this new standard becomes effective. Comparability will be impacted by, among other items, varying expectations for macroeconomic trends over the near term and loan portfolio composition differences, including expected loan lives. The impact at adoption of this standard is dependent upon the nature and characteristics of our assets in scope of the guidance, macroeconomic conditions and forecasts, as well as other management judgments.

GAAP to NON-GAAP RECONCILIATIONS

This Form 10-Q presents non-GAAP financial measures, in addition to GAAP financial measures, to provide investors with additional information. The adjustments to reconcile from the applicable GAAP financial measures to the non-GAAP financial measures are presented in the following schedules. The Bank considers these adjustments to be relevant to ongoing operating results and provide a meaningful base for period-to-period and company-to-company comparisons. These non-GAAP financial measures are used by management to assess the performance and financial position of the Bank and for presentations of Bank performance to investors. The Bank further believes that presenting these non-GAAP financial measures will permit investors to assess the performance of the Bank on the same basis as that applied by management.

Non-GAAP financial measures have inherent limitations, and are not required to be uniformly applied by individual entities. Although non-GAAP financial measures are frequently used by stakeholders to evaluate a company, they have limitations as an analytical tool and should not be considered in isolation or as a substitute for analysis of results reported under GAAP.

The following are non-GAAP financial measures presented in this Form 10-Q and a discussion of the reasons for which management uses these non-GAAP measures:

Return on Average Tangible Common Equity – this schedule also includes “net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax” and “average tangible common equity.” Return on average tangible common equity is a non-GAAP financial measure that management believes provides useful information to management and others about the Bank’s use of shareholders’ equity. Management believes the use of ratios that utilize tangible equity provides additional useful information because they present measures of those assets that can generate income.

RETURN ON AVERAGE TANGIBLE COMMON EQUITY (NON-GAAP)

		Three Months Ended
(Dollar amounts in millions)		March 31, 2019			December 31, 2018			September 30, 2018			March 31, 2018
Net earnings applicable to common shareholders (GAAP)		$	205		$	217		$	215		$	231
Adjustment, net of tax:
Amortization of core deposit and other intangibles		—			—			—			—
Net earnings applicable to common shareholders, excluding the effects of the adjustment, net of tax (non-GAAP)	(a)	$	205		$	217		$	215		$	231
Average common equity (GAAP)		$	7,005		$	6,938		$	7,024		$	7,061
Average goodwill and intangibles		(1,014		)	(1,015		)	(1,015		)	(1,016		)
Average tangible common equity (non-GAAP)	(b)	$	5,991		$	5,923		$	6,009		$	6,045
Number of days in quarter	(c)	90			92			92			90
Number of days in year	(d)	365			365			365			365
Return on average tangible common equity (non-GAAP)	(a/b/c)*d	13.9		%	14.5		%	14.2		%	15.5		%

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Tangible Equity Ratio, Tangible Common Equity Ratio, and Tangible Book Value per Common Share – this schedule also includes “tangible equity,” “tangible common equity,” and “tangible assets.” Tangible equity ratio, tangible common equity ratio, and tangible book value per common share are non-GAAP financial measures that management believes provides additional useful information about the levels of tangible assets and tangible equity between each other and in relation to outstanding shares of common stock. Management believes the use of ratios that utilize tangible equity provides additional useful information to management and others about capital adequacy because they present measures of those assets that can generate income.

TANGIBLE EQUITY RATIO, TANGIBLE COMMON EQUITY RATIO, AND TANGIBLE BOOK VALUE PER COMMON SHARE (ALL NON-GAAP MEASURES)

(Dollar amounts in millions, except per share amounts)		March 31, 2019			December 31, 2018			September 30, 2018			March 31, 2018
Total shareholders’ equity (GAAP)		$	7,588		$	7,578		$	7,553		$	7,644
Goodwill and intangible		(1,014		)	(1,015		)	(1,015		)	(1,016		)
Tangible equity (non-GAAP)	(a)	6,574			6,563			6,538			6,628
Preferred stock		(566		)	(566		)	(566		)	(566		)
Tangible common equity (non-GAAP)	(b)	$	6,008		$	5,997		$	5,972		$	6,062
Total assets (GAAP)		$	69,195		$	68,746		$	66,731		$	66,481
Goodwill and intangible		(1,014		)	(1,015		)	(1,015		)	(1,016		)
Tangible assets (non-GAAP)	(c)	$	68,181		$	67,731		$	65,716		$	65,465
Common shares outstanding (thousands)	(d)	182,513			187,554			192,169			197,050
Tangible equity ratio (non-GAAP)	(a/c)	9.64		%	9.69		%	9.95		%	10.12		%
Tangible common equity ratio (non-GAAP)	(b/c)	8.81		%	8.85		%	9.09		%	9.26		%
Tangible book value per common share (non-GAAP)	(b/d)	$	32.92		$	31.97		$	31.08		$	30.76

Efficiency Ratio and Adjusted Pre-Provision Net Revenue – this schedule also includes “adjusted noninterest expense,” “net interest margin,” “adjusted taxable-equivalent revenue,” “pre-provision net revenue (“PPNR”),” and “adjusted PPNR.” The methodology of determining the efficiency ratio may differ among companies. Management makes adjustments to exclude certain items as identified in the subsequent schedule which it believes allows for more consistent comparability among periods. Management believes the efficiency ratio provides useful information regarding the cost of generating revenue. Adjusted noninterest expense provides a measure as to how well the Bank is managing its expenses, and adjusted PPNR enables management and others to assess the Bank’s ability to generate capital to cover credit losses through a credit cycle. Net interest margin allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.

Adjusted Pre-Tax Pre-Provision Net Revenue per Share– this schedule uses “adjusted pre-provision net revenue” as calculated in the efficiency ratio, which is divided by the weighted average diluted shares for the period. As mentioned previously, Management believes that adjusted PPNR enables management and others to assess the Bank’s ability to generate capital to cover credit losses through a credit cycle. Dividing this amount by the weighted average diluted shares outstanding provides a shareholder’s perspective of PPNR growth.

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EFFICIENCY RATIO (NON-GAAP) AND ADJUSTED PRE-PROVISION NET REVENUE (NON-GAAP)

(Dollar amounts in millions)		Three Months Ended									Year Ended
		March 31, 2019			December 31, 2018			March 31, 2018			December 31, 2018
Efficiency Ratio
Noninterest expense (GAAP)	(a)	$	430		$	420		$	419		$	1,679
Adjustments:
Severance costs		—			2			—			3
Other real estate expense, net		(1		)	—			—			1
Amortization of core deposit and other intangibles		—			—			—			1
Restructuring costs		—			—			—			2
Total adjustments	(b)	(1		)	2			—			7
Adjusted noninterest expense (non-GAAP)	(a-b)=(c)	$	431		$	418		$	419		$	1,672
Net interest income (GAAP)	(d)	$	576		$	576		$	542		$	2,230
Fully taxable-equivalent adjustments	(e)	6			6			5			22
Net interest margin (non-GAAP)1	(d+e)=f	582			582			547			2,252
Noninterest income (GAAP)	g	132			140			138			552
Combined income (non-GAAP)	(f+g)=(h)	714			722			685			2,804
Adjustments:
Fair value and nonhedge derivative income (loss)		(3		)	(3		)	1			(1		)
Securities gains (losses), net		1			2			—			1
Total adjustments	(i)	(2		)	(1		)	1			—
Adjusted taxable-equivalent revenue (non-GAAP)	(h-i)=(j)	$	716		$	723		$	684		$	2,804
Pre-provision net revenue (PPNR) (non-GAAP)	(h)-(a)	$	284		$	302		$	266		$	1,125
Adjusted PPNR (non-GAAP)	(j-c)	285			305			265			1,132
Efficiency ratio (non-GAAP)	(c/j)	60.2		%	57.8		%	61.3		%	59.6		%
Adjusted PPNR per share
Adjusted PPNR (non-GAAP)	(k)	$	285		$	305		$	265		$	1,132
Diluted shares (in thousands)	(l)	195,241			199,048			210,243			206,501
Adjusted PPNR per share (non-GAAP)	(k)/(l)	$	1.46		$	1.53		$	1.26		$	5.48

RESULTS OF OPERATIONS

Executive Summary

The Bank reported net earnings applicable to common shareholders of $205 million, or $1.04 per diluted common share for the first quarter of 2019, compared with net earnings applicable to common shareholders of $231 million, or $1.09 per diluted common share for the first quarter of 2018. The financial performance in the first quarter of 2019 reflects consistent net interest income, moderate balance sheet growth, solid expense control, continued strong credit quality, and progress on key technology and process simplification initiatives, partially offset by a slight decline in customer-related fees. During the first quarter of 2019, the Bank successfully implemented the second phase of its three-phase multi-year project to replace its core loan and deposit systems. With this milestone reached, we now have substantially all our retail, commercial, and commercial real estate (“CRE”) loans on a new modern core platform.

Net income decreased by $25 million from $238 million in the first quarter of 2018 to $213 million in the first quarter of 2019 due the provision for credit losses moving from a large negative provision to a small positive provision, an $11 million increase in noninterest expense, and a $6 million decrease in noninterest income, partially offset by a $34 million increase in net interest income and a $9 million decrease in income taxes.

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Net interest income increased from the first quarter of 2018 to the first quarter of 2019 primarily from loan growth and increases in short-term interest rates, partially offset by an increase in interest expense. The provision for credit losses increased from $(47) million in the first quarter of 2018, which was primarily due to oil and gas-related credit quality improvement, to $4 millionin the first quarter of 2019, reflecting loan growth and generally stable credit quality in the total loan portfolio.

When comparing the first quarter of 2019 to the first quarter of 2018, customer-related fees decreased by $3 million, or 2%, primarily due to a decrease in service charges and fees on deposit accounts. Salaries and employee benefits increased $18 million during this same time period due to increases in base salaries from annual salary merit increases and headcount, increased 401(k) plan contributions, increased employee medical expense and a decline in deferred salaries. FDIC premiums decreased by $7 million from the first quarter of 2018 to the first quarter of 2019, positively impacting net income.

Adjusted PPNR of $285 million for the first quarter of 2019 was up $20 million, or 8%, from the first quarter of 2018. The first quarter of 2018 included $11 million of interest income recoveries of at least $1 million per loan, while there were no such recoveries in the first quarter of 2019. Adjusted for these interest income recoveries, the increase in adjusted PPNR would be 12%. The increase in PPNR reflects operating leverage improvement resulting from moderate loan growth and increases in short-term interest rates, partially offset by increased interest expense and noninterest expense primarily from increased salaries and employee benefits. See “Noninterest Expense” for a more detailed discussion regarding the increased salary and employee benefits expense. The Bank’s efficiency ratio was 60.2% in the first quarter of 2019 compared with 61.3% in the first quarter of 2018 and 57.8% in the fourth quarter of 2018. The Bank is committed to further improvement of the efficiency ratio in 2019. See “GAAP to Non-GAAP Reconciliations” on page 6 for more information regarding the calculation of adjusted PPNR.

Our average loan portfolio increased $2.3 billion, or 5%, since the first quarter of 2018. We have seen widespread growth across most products and geographies, with particular strength in construction, 1-4 family residential loans, and all categories of commercial loans. Asset quality has continued to improve during the past several quarters. Credit quality in the oil and gas-related portfolio continues to strengthen and it has remained strong in the rest of the lending portfolio. Overall, from the first quarter of 2018 to the first quarter of 2019, criticized, classified, and nonaccrual loans declined by $306 million, $294 million, and $153 million, respectively.

We continue to focus on the return on- and of- capital. Return on average tangible common equity was 13.9% for the first quarter of 2019, down 160 basis points (“bps”) from the same prior year period, and our return on average assets decreased by 19 bps during the same period, primarily as a result of the negative provision in the first quarter of 2018. Regarding the return of capital, during the first quarter of 2019, the Bank repurchased 5.5 million shares of common stock for $275 million, which is equivalent to 2.9% of common stock outstanding as of December 31, 2018. Dividends per common share were $0.30 in the first quarter of 2019, compared with $0.20 for the first quarter of 2018. In April 2018, the Bank announced that its board of directors declared a regular quarterly dividend of $0.30 per common share, payable May 23, 2019 to shareholders of record on May 16, 2019. Additionally, the Board approved a plan to repurchase $275 million of common stock during the second quarter of 2019. The share repurchases have resulted in higher returns being provided to shareholders. For example, while adjusted PPNR increased 8% from the first quarter of 2018, adjusted PPNR per share increased 16% from the same prior year period. See “GAAP to Non-GAAP Reconciliations” on page 6 for more information regarding the calculation of adjusted PPNR per share. See “Capital Management” on page 30 for more information regarding the Bank’s stress testing and capital planning.

Areas of focus for 2019

In 2019, we are focused on ongoing initiatives related to Bank profitability and returns on- and of-equity. While our profitability and returns on equity in the first quarter of 2019 compared to the first quarter of 2018 have remained consistent when adjusted for the provision for credit losses and interest income recoveries, our capital distributed as a percentage of net earnings applicable to common shareholders increased to 161% from 67% for the same periods.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

We are committed to achieve positive operating leverage and a high single-digit annual percentage growth for PPNR, and achieved an 8% growth from the first quarter of 2018 to the first quarter of 2019. We continue to implement technology upgrades and process simplification to ensure current and future performance.

We are also focused on reducing potential earnings volatility and are actively adjusting our interest rate risk profile to move towards a more neutral interest-rate sensitive position and to protect against a decline in interest rates. During the first quarter of 2019, we added approximately $3 billion of interest rate floors and $700 million of interest rate swaps. See “Interest Rate and Market Risk Management” on page 24 for further information regarding our interest rate risk management and Note 7 of the Notes to the Consolidated Financial Statements for further information regarding our use of derivative instruments. See “Areas of focus for 2019” in our 2018 Annual Report on Form 10-K for a discussion of the major areas of emphasis in 2019.

Net Interest Income

Net interest income is the difference between interest earned on interest-earning assets and interest paid on interest-bearing liabilities. Net interest income increased to $576 million in the first quarter of 2019 from $542 million in the first quarter of 2018. The $34 million, or 6%, increase in net interest income was primarily due to a $73 million increase in interest and fees on loans, resulting from increases in short-term interest rates and generally wide-spread loan growth, partially offset by an increase in interest expense.

Interest income in the first quarter of 2018 was positively impacted by $11 million of interest income recoveries of at least $1 million per loan, while there were no such recoveries in the first quarter of 2019. Adjusting for these interest income recoveries, net interest income would have increased by $45 million, or 8%.

Interest expense increased $52 million from the first quarter of 2018 to the first quarter of 2019 due to higher interest rates paid and an increase in deposits and long-term debt, partially offset by a decrease in short-term borrowings.

Net Interest Margin and Interest Rate Spreads

The net interest margin (“NIM”) was 3.68% and 3.56% for the first quarters of 2019 and 2018, respectively, and 3.67% for the fourth quarter of 2018, and reflects a higher loan yield with only a moderate increase in funding costs. Excluding the effect of the previously mentioned interest income recoveries, the NIM would have been 3.49% for the first quarter of 2018. The NIM for the first quarter of 2019, compared with the same prior year period, benefited from increases in short-term interest rates. The NIM has benefited from the stability of noninterest-bearing demand deposits in a rising interest rate environment.

Average interest-earning assets increased $1.9 billion from the first quarter of 2018 to the first quarter of 2019, with average rates improving 44 bps. Adjusting for the interest income recoveries in the first quarter of 2018, the yield on interest-earning assets would have increased 51 bps from the same prior year period. Average interest-bearing liabilities increased $2.2 billion in the first quarter of 2019 compared with the first quarter of 2018. The average rate on interest-bearing liabilities increased 54 bps from the first quarter of 2018 to the first quarter of 2019 due to rising interest rates and increased rates paid on deposits and long-term debt.

The average loan portfolio increased $2.3 billion, or 5%, between the first quarter of 2018 and the first quarter of 2019. Most of this growth was in construction, 1-4 family residential loans, and all categories of commercial loans. The average loan yield increased 42 bps over the same period, with increases in the average rates for commercial, CRE, and consumer loans of 35 bps, 64 bps, and 36 bps, respectively. Benchmark interest rates have increased several times during the last couple of years, which has had a positive impact on NIM and spreads, as our earning assets generally reprice quicker than our funding sources. A portion of our variable-rate loans were not affected by these changes primarily due to having longer reset frequencies, or because a substantial portion of our earning assets are tied to longer-term rate indices. The longer-term rates were impacted by a relatively flat yield curve during the last several quarters. Over the next four quarters, we expect moderate total loan growth.

Average AFS securities balances decreased $0.2 billion from the first quarter of 2018 to the first quarter of 2019. Yields on average AFS securities increased by 31 bps over the same period, and was primarily a result of

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reinvesting principal cash flows from fixed-rate securities at higher rates and rising market interest rates on variable-rate securities.

Average noninterest-bearing demand deposits were generally stable and provided us with low cost funding and comprised approximately 43% and 45% of average total deposits for the first quarters of 2019 and 2018, respectively. Average total deposits were $53.9 billion for the first quarter of 2019 compared with $52.0 billion for the first quarter of 2018. Average interest-bearing deposits were $30.7 billion in the first quarter of 2019, compared with $28.6 billion for the same prior year period. The daily average benchmark Federal Funds target rate increased from 1.54% to 2.50% between the first quarter of 2018 and the first quarter of 2019, or 96 bps, while the rate paid on the Bank’s average interest-bearing deposits increased 47 bps, implying a deposit beta of 49%, and the rate paid on total average deposits increased 28 bps. We refer to “deposit beta” as a measure of the changes in rates paid to customers compared with changes in the average benchmark interest rates.

We have been selectively increasing deposit pricing in certain markets and with certain clients, but we have not generally experienced significant pressure to broadly increase deposit rates. Although we consider a wide variety of sources when determining our funding needs, we benefit from access to deposits from a significant number of small to mid-sized business customers, which provide us with a low cost of funds and have a positive impact on our NIM. Including wholesale borrowings, the rate paid on interest-bearing liabilities increased 54 bps. Further information regarding deposit assumptions is discussed in “Interest Rate and Market Risk Management” on page 24.

Average short-term borrowings decreased $0.4 billion compared with the same prior year period and the average interest rate paid increased by 103 bps as a result of rising short-term interest rates. Between the March 31, 2018 and March 31, 2019, we issued $1.0 billion of senior long-term debt which reduced the amount of short-term borrowing needed.

The spread on average interest-bearing funds was 3.22% and 3.32% for the first quarters of 2019 and 2018, respectively. The spread on average interest-bearing funds for these periods was affected by the same factors that had an impact on the NIM. While the spread on average interest-bearing funds decreased, the NIM still expanded as a result of the increasing value of noninterest-bearing deposits in a higher-rate environment. Because of the nature of our deposits being operating accounts for businesses and households, we expect our noninterest-bearing deposits to remain a competitive advantage. The spread on average interest-earning assets for the first quarter of 2019 decreased by 3 bps, if adjusted for the previously discussed $11 million interest recoveries recognized, or 7 bps, in the prior year period.

Interest rate spreads and margin are impacted by the mix of assets we hold, the composition of our loan and securities portfolios and the type of funding used. Additionally, as interest rates increase, our noninterest-bearing deposits become more valuable. In the first quarter of 2019 our noninterest-bearing sources of funds contributed 46 bps to the margin compared with 24 bps in the first quarter of 2018. We expect the mix of interest-earning assets to continue to change over the next four quarters primarily due to moderate-to-strong growth in 1-4 family residential, municipal, commercial and industrial, and owner-occupied loans, and stable-to-moderate growth in oil and gas and commercial real estate loans.

Our estimates of the Bank’s interest rate risk position are highly dependent upon a number of assumptions regarding the repricing behavior of various deposit and loan types in response to changes in both short-term and long-term interest rates, balance sheet composition, and other modeling assumptions, as well as the actions of competitors and customers in response to those changes. Although the federal funds target rate has increased 150 bps during the past couple of years, we have not experienced significant migration of our noninterest-bearing demand deposits which we attribute to the operating nature of many of our deposit accounts. Further detail on interest rate risk is discussed in “Interest Rate and Market Risk Management” on page 24.

The following schedule summarizes the average balances, the amount of interest earned or incurred, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities that generate taxable-equivalent net interest income.

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CONSOLIDATED AVERAGE BALANCE SHEETS, YIELDS AND RATES

(Unaudited)

	Three Months Ended March 31, 2019							Three Months Ended March 31, 2018
(Dollar amounts in millions)	Average balance			Amount of interest 1		Average yield/rate		Average balance			Amount of interest 1		Average yield/rate
ASSETS
Money market investments	$	1,268		$	9	2.73	%	$	1,495		$	6	1.70	%
Securities:
Held-to-maturity	829			8		3.72		789			7		3.54
Available-for-sale	14,724			90		2.49		14,948			80		2.18
Trading account	107			1		4.52		102			1		4.00
Total securities 2	15,660			99		2.57		15,839			88		2.25
Loans held for sale	63			—		1.70		51			—		3.94
Loans and leases 3
Commercial	24,427			304		5.05		23,040			267		4.70
Commercial real estate	11,335			148		5.31		11,065			128		4.67
Consumer	11,409			121		4.30		10,759			105		3.94
Total loans and leases	47,171			573		4.93		44,864			500		4.51
Total interest-earning assets	64,162			681		4.31		62,249			594		3.87
Cash and due from banks	554							592
Allowance for loan losses	(499		)					(523		)
Goodwill and intangibles	1,014							1,016
Other assets	3,353							3,032
Total assets	$	68,584						$	66,366
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	26,021		35		0.54	%	$	25,296		12		0.19	%
Time	4,674			22		1.90		3,280			8		1.00
Total interest-bearing deposits	30,695			57		0.75		28,576			20		0.28
Borrowed funds:
Federal funds purchased and other short-term borrowings	5,289			33		2.57		5,707			22		1.54
Long-term debt	880			9		4.08		383			5		5.83
Total borrowed funds	6,169			42		2.78		6,090			27		1.81
Total interest-bearing liabilities	36,864			99		1.09		34,666			47		0.55
Noninterest-bearing deposits	23,221							23,417
Other liabilities	928							656
Total liabilities	61,013							58,739
Shareholders’ equity:
Preferred equity	566							566
Common equity	7,005							7,061
Total shareholders’ equity	7,571							7,627
Total liabilities and shareholders’ equity	$	68,584						$	66,366
Spread on average interest-bearing funds						3.22	%						3.32	%
Impact of net noninterest-bearing sources of funds						0.46							0.24
Net interest margin				$	582	3.68					$	547	3.56
Memo: total cost of deposits, annualized						0.43							0.15
Memo: total deposits and interest-bearing liabilities	$	60,085		99		0.67		$	58,083		47		0.33

¹  Rates are calculated using amounts in thousands and taxable-equivalent rates used where applicable. The taxable-equivalent rates used are the rates that were applicable at the time of each respective reporting period.

²  Quarter-to-date interest on total securities includes $31 million and $33 million of taxable-equivalent premium amortization, as of March 31, 2019 and March 31, 2018, respectively.

³  Net of unearned income and fees, net of related costs. Loans include nonaccrual and restructured loans.

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Provision for Credit Losses

The provision for credit losses is the combination of both the provision for loan losses and the provision for unfunded lending commitments. Note 6 of our 2018 Annual Report on Form 10-K and “Credit Risk Management” on page 19 contains information on how we determine the appropriate level for the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”).

The provision for credit losses was $4 million in the first quarter of 2019, compared with $(47) million in the first quarter of 2018, which was primarily due to oil and gas-related credit quality improvement. The increase from the first quarter of 2018 to the first quarter of 2019 reflects loan growth and generally stable credit quality in the total loan portfolio. Classified and nonaccrual loans in the total portfolio declined by $294 million and $153 million, respectively, from the first quarter of 2018 to the first quarter of 2019. During the first quarter of 2019, there were zero net charge-offs, compared with net charge-offs of $5 million during the first quarter of 2018.

The provision for loan losses was $2 million during the first quarter of 2019, compared with $(40) million during the first quarter of 2018. This increase was primarily as a result of the previously mentioned loan growth and qualitative adjustments.

During the first quarter of 2019, we recorded a $2 million provision for unfunded lending commitments, compared with a $(7) million provision in the first quarter of 2018. This increase was primarily due to increased unfunded lending commitments and generally stable credit quality. From quarter to quarter, the provision for unfunded lending commitments may be subject to sizable fluctuations due to changes in the timing and volume of loan commitments, originations, fundings, and changes in credit quality.

The allowance for credit losses (“ACL”), which is the combination of both the ALLL and the RULC, increased $32 million, when compared with the first quarter of 2018. This was mainly due to the loan growth and increases in qualitative adjustments described previously.

Noninterest Income

Noninterest income represents revenues we earn for products and services that have no associated interest rate or yield. We believe a subtotal of customer-related fees provides a good view of income over which we have more direct control. It excludes items such as dividends, insurance-related income, mark-to-market adjustments on certain derivatives, and securities gains and losses. For the first quarter of 2019, noninterest income decreased $6 million, or 4%, compared with the first quarter of 2018, primarily due to a $3 million decrease in customer-related fees, a $2 million decrease in dividends and other investment income, and a $2 million decrease in other noninterest income. The following schedule presents a comparison of the major components of noninterest income.

NONINTEREST INCOME

	Three Months Ended March 31,				Amount change			Percent change
(Dollar amounts in millions)	2019		2018
Service charges and fees on deposit accounts	$	40	$	42	$	(2	)	(5	)%
Other service charges, commissions and fees	54		55		(1		)	(2	)
Wealth management and trust income	13		12		1			8
Loan sales and servicing income	5		6		(1		)	(17	)
Capital markets and foreign exchange	8		8		—			—
Customer-related fees	120		123		(3		)	(2	)
Dividends and other investment income	9		11		(2		)	(18	)
Securities gains, net	1		—		1			NM
Other	2		4		(2		)	(50	)
Total noninterest income	$	132	$	138	$	(6	)	(4	)

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Customer-related fees decreased $3 million, or 2% from the first quarter of 2018 to the first quarter of 2019 primarily from a $2 million decrease in service charges and fees on deposit accounts. The decrease in service charges and fees on deposit accounts was largely attributable to an unfavorable impact from the earnings credit rate associated with noninterest-bearing demand deposits and softness in retail and small business service charges.

Dividends and other investment income decreased by $2 million primarily as a result of increases in the market values of the Company’s Small Business Investment Company (“SBIC”) investments in the first quarter of 2018 that did not reoccur in the first quarter of 2019. Other noninterest income decreased $2 million primarily due to a decrease in credit valuation adjustments on client-related derivatives, partially offset by a gain on the sale of a minor product line.

Noninterest Expense

Noninterest expense increased by $11 million, or 3%, from the first quarter of 2018 to the first quarter of 2019. As discussed subsequently, adjusted noninterest expense also increased 3% over the same period. The Bank remains focused on expense control efforts, while continuing to invest in technology and process simplification initiatives. As previously mentioned, during the first quarter of 2019, the Bank successfully implemented the second phase of its three-phase multi-year project to replace its core loan and deposit systems, upgrading its commercial loans core system. The Bank continues to work on upgrading its primary deposit system. This 3% increase is within our targeted growth rate of low single-digit percentage range relative to the prior year.

The following schedule presents a comparison of the major components of noninterest expense.

NONINTEREST EXPENSE

	Three Months Ended March 31,					Amount change			Percent change
(Dollar amounts in millions)	2019			2018
Salaries and employee benefits	$	287		$	269	$	18		7	%
Occupancy, net	33			31		2			6
Furniture, equipment and software, net	32			33		(1		)	(3	)
Other real estate expense, net	(1		)	—		(1		)	NM
Credit-related expense	6			7		(1		)	(14	)
Professional and legal services	11			12		(1		)	(8	)
Advertising	5			5		—			—
FDIC premiums	6			13		(7		)	(54	)
Other	51			49		2			4
Total noninterest expense	$	430		$	419	$	11		3
Adjusted noninterest expense 1	$	431		$	419	$	12		3

¹ For information on non-GAAP financial measures see “GAAP to Non-GAAP Reconciliations” on page 6

Salary and employee benefits expense was up $18 million in the first quarter of 2019, compared with the first quarter of 2018. In the first quarter of 2019, we increased some key benefits to employees which are designed to appropriately reward our employees for significantly improved financial performance. The increase in salaries and employee benefits was primarily due to a $6 million increase in base salaries resulting from annual salary merit increases and employee headcount, a $3 million increase in the Bank’s contribution to the employee 401(k) plan as a result of an increased matching contribution and higher profit sharing, and a $2 million increase in incentive compensation. The remaining $7 million increase was primarily a result of an increase in share-based compensation and employee medical expenses, and a decline in deferred salaries.

These increases in noninterest expense were partially offset by a $7 million decrease in FDIC premiums due to the elimination of the FDIC surcharge for large banks because the required Deposit Insurance Fund reserve ratio has been met.

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Adjusted noninterest expense for the first quarter of 2019 increased $12 million, or 3%, to $431 million, compared with $419 million for the same prior year period. To arrive at adjusted noninterest expense, GAAP noninterest expense is adjusted to exclude certain expense items, which are the same as those items excluded in arriving at the efficiency ratio (see “GAAP to Non-GAAP Reconciliations” on page 6 for more information regarding the calculation of the efficiency ratio). We expect adjusted noninterest expense for 2019 to experience an increase in the low single-digit percentage range relative to the prior year.

Income Taxes

Income tax expense for the first quarter of 2019 was $61 million compared with $70 million for the same prior year period. The effective income tax rates were 22.3% and 22.7% for the first quarters of 2019 and 2018, respectively. Note 13 of the Notes to Consolidated Financial Statements contains additional information about the factors that influenced the income tax rates and information about deferred income tax assets and liabilities. The effective tax rate for 2019 is expected to be approximately 23%, including the effects of stock-based compensation.

Preferred Stock Dividends

Preferred stock dividends have been consistent over the past year and were $8 million and $7 million during the first quarters of 2019 and 2018, respectively.

BALANCE SHEET ANALYSIS

Interest-Earning Assets

Interest-earning assets are those assets that have interest rates or yields associated with them. One of our goals is to maintain a high level of interest-earning assets relative to total assets while keeping nonearning assets at a minimum. Interest-earning assets consist of money market investments, securities, loans, and leases.

Another goal is to maintain a higher-yielding mix of interest-earning assets, such as loans, relative to lower-yielding assets, while maintaining adequate levels of highly liquid assets. As a result of this goal we redeployed funds from lower-yielding money market investments, in addition to using wholesale borrowings, to purchase agency securities.

For information regarding the average balances of our interest-earning assets, the amount of revenue generated by them, and their respective yields, see the average balance sheet on page 12.

Average interest-earning assets were $64.2 billion for the first three months of 2019, compared with $62.2 billion for the first three months of 2018. Average interest-earning assets as a percentage of total average assets were 94% for both the first three months of 2019 and 2018.

Average loans were $47.2 billion and $44.9 billion for the first three months of 2019 and 2018, respectively. Average loans as a percentage of total average assets for the first three months of 2019 were 69%, compared with 68% in the same prior year period.

Average money market investments, consisting of interest-bearing deposits, federal funds sold, and security resell agreements, decreased by 15% to $1.3 billion for the first three months of 2019, compared with $1.5 billion for the first three months of 2018. Average securities decreased by 1% for the first three months of 2019, compared with the first three months of 2018.

Investment Securities Portfolio

We invest in securities to actively manage liquidity and interest rate risk, in addition to generating revenue for the Bank. Refer to the “Liquidity Risk Management” section on page 28 for additional information on management of liquidity and funding. The following schedule presents a profile of our investment securities portfolio. The amortized cost amounts represent the original cost of the investments, adjusted for related accumulated amortization or accretion of any yield adjustments, and for impairment losses, including credit-related impairment. The estimated fair value measurement levels and methodology are discussed in Note 3of our 2018 Annual Report on Form 10-K.

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INVESTMENT SECURITIES PORTFOLIO

	March 31, 2019						December 31, 2018
(In millions)	Par value		Amortized cost		Estimated fair value		Par value		Amortized cost		Estimated fair value
Held-to-maturity
Municipal securities	$	764	$	764	$	762	$	774	$	774	$	767
Available-for-sale
U.S. Treasury securities	40		40		40		40		40		40
U.S. Government agencies and corporations:
Agency securities	1,408		1,407		1,398		1,395		1,394		1,375
Agency guaranteed mortgage-backed securities	10,245		10,384		10,284		10,093		10,236		10,014
Small Business Administration loan-backed securities	1,762		1,919		1,877		1,871		2,042		1,996
Municipal securities	1,154		1,270		1,283		1,178		1,303		1,291
Other debt securities	25		25		22		25		25		21
Total available-for-sale	14,634		15,045		14,904		14,602		15,040		14,737
Total investment securities	$	15,398	$	15,809	$	15,666	$	15,376	$	15,814	$	15,504

The amortized cost of investment securities at March 31, 2019 remained stable from the balances at December 31, 2018. Approximately 34% of the investment securities are floating rate as of March 31, 2019.

The investment securities portfolio includes $411 million of net premium that is distributed across various asset classes as illustrated in the preceding schedule. Premium amortization for the three months ended March 31, 2019, was approximately $31 million, compared with approximately $33 million for the same period in 2018, reducing the yield on securities by 86 bps compared with a 89 bps impact for the same period in 2018.

As of March 31, 2019, under the GAAP fair value accounting hierarchy, 0.3% of the $14.9 billion fair value of the AFS securities portfolio was valued at Level 1, 99.7% was valued at Level 2, and there were no Level 3 AFS securities. At December 31, 2018, 0.3% of the $14.7 billion fair value of AFS securities portfolio was valued at Level 1, 99.7% was valued at Level 2, and there were no Level 3 AFS securities. See Note 3 of our 2018 Annual Report on Form 10-K for further discussion of fair value accounting.

Exposure to State and Local Governments

We provide multiple products and services to state and local governments (referred to collectively as “municipalities”), including deposit services, loans, and investment banking services, and we invest in securities issued by the municipalities.

The following schedule summarizes our exposure to state and local municipalities:

MUNICIPALITIES

(In millions)	March 31, 2019		December 31, 2018
Loans and leases	$	1,774	$	1,661
Held-to-maturity – municipal securities	764		774
Available-for-sale – municipal securities	1,283		1,291
Trading account – municipal securities	133		89
Unfunded lending commitments	159		144
Total direct exposure to municipalities	$	4,113	$	3,959

At March 31, 2019, one municipal loan with a balance of approximately $1 million was on nonaccrual. Most of the municipal loan and lease portfolio is secured by real estate, equipment, or is a general obligation of a municipal entity. See Note 6 of the Notes to Consolidated Financial Statements for additional information about the credit quality of these municipal loans.

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Foreign Exposure and Operations

Our credit exposure to foreign sovereign risks and total foreign credit exposure is not significant. We also do not have significant foreign exposure to derivative counterparties. We had no foreign deposits at March 31, 2019 and December 31, 2018.

Loan Portfolio

For the first three months of 2019 and 2018, average loans accounted for 69% and 68%, respectively, of total average assets. As presented in the following schedule, the largest category was commercial and industrial loans, which constituted 31% of our loan portfolio at March 31, 2019.

LOAN PORTFOLIO

	March 31, 2019				December 31, 2018
(Dollar amounts in millions)	Amount		% of total loans		Amount		% of total loans
Commercial:
Commercial and industrial	$	14,758	31.0	%	$	14,513	31.0	%
Leasing	312		0.7		327		0.7
Owner-occupied	7,754		16.3		7,661		16.4
Municipal	1,774		3.7		1,661		3.6
Total commercial	24,598		51.7		24,162		51.7
Commercial real estate:
Construction and land development	2,343		4.9		2,186		4.7
Term	9,187		19.3		8,939		19.1
Total commercial real estate	11,530		24.2		11,125		23.8
Consumer:
Home equity credit line	2,884		6.1		2,937		6.3
1-4 family residential	7,294		15.3		7,176		15.4
Construction and other consumer real estate	636		1.3		643		1.4
Bankcard and other revolving plans	489		1.0		491		1.0
Other	175		0.4		180		0.4
Total consumer	11,478		24.1		11,427		24.5
Total net loans	$	47,606	100.0	%	$	46,714	100.0	%

Loan portfolio growth during the first three months of 2019 was widespread across loan products and geographies with particular strength intotal commercial real estate, commercial and industrial, consumer 1-4 family residential, and municipal loans. The growth in the loan portfolio was primarily at Amegy Bank (“Amegy”) and National Bank of Arizona (“NBAZ”).

Other Noninterest-Bearing Investments

During the first three months of 2019, the Bank decreased its short-term borrowings with the Federal Home Loan Bank (“FHLB”) by $1.25 billion. This decrease also led to a decline in FHLB activity stock, which consequently decreased by $50 million during the year. Aside from this decrease, other noninterest-bearing investments remained relatively stable as set forth in the following schedule.

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OTHER NONINTEREST-BEARING INVESTMENTS

(In millions)	March 31, 2019		December 31, 2018
Bank-owned life insurance	$	518	$	516
Federal Home Loan Bank stock	140		190
Federal Reserve stock	131		139
Farmer Mac stock	51		54
SBIC investments	139		132
Non-SBIC investment funds	11		12
Other	3		3
Total other noninterest-bearing investments	$	993	$	1,046

Premises, Equipment, and Software

Net premises, equipment, and software increased $1 million, or 0.1%, during the first three months of 2019. In 2017, the Bank implemented the first phase of our core lending and deposit systems replacement project, which replaced the Bank’s primary consumer lending systems. During the first quarter of 2019, the Bank successfully implemented the second phase of this project by replacing its primary commercial and commercial real estate lending systems. With this milestone reached, we now have substantially all our retail, commercial and commercial real estate loans on a new modern core platform. The Bank is well underway with the project to convert its deposit servicing system by 2022. The total core replacement project spend amount is comprised of both capitalized amounts and amounts that are expensed as incurred. The useful life for most of the capitalized costs is 10 years. The following schedule shows the total amount of costs capitalized, less accumulated depreciation, by phase for the core replacement project.

	March 31, 2019
(In millions)	Phase 1		Phase 2		Phase 3		Total
Capitalized costs for the core replacement project
Total amount capitalized, less accumulated depreciation	$	61	$	88	$	39	$	188

Deposits

Deposits, both interest-bearing and noninterest-bearing, are a primary source of funding for the Bank. Average total deposits for the first three months of 2019 increased by 4%, compared with the first three months of 2018, with average interest-bearing deposits increasing by 7% and average noninterest-bearing deposits decreasing by 1%. The average interest rate paid for interest-bearing deposits was 47 bps higher during the first three months of 2019, compared with the first three months of 2018.

Demand, savings, and money market deposits were 91% and 92% of total deposits at March 31, 2019 and December 31, 2018, respectively. At March 31, 2019 and December 31, 2018, total deposits included $2.6 billion and $2.2 billion, respectively, of brokered deposits.

See “Liquidity Risk Management” on page 28 for additional information on funding and borrowed funds.

RISK ELEMENTS

Since risk is inherent in substantially all of the Bank’s operations, management of risk is an integral part of its operations and is also a key determinant of its overall performance. The Board of Directors has appointed a Risk Oversight Committee (“ROC”) that consists of appointed Board members who oversee the Bank’s risk management processes. The ROC meets on a regular basis to monitor and review Enterprise Risk Management (“ERM”) activities. As required by its charter, the ROC performs oversight for various ERM activities and approves ERM policies and activities as detailed in the ROC charter.

Management applies various strategies to reduce the risks to which the Bank’s operations are exposed, including credit, interest rate and market, liquidity, and operational risks. These risks are overseen by the various management

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committees of which the Enterprise Risk Management Committee is the focal point for the monitoring and review of enterprise risk.

Credit Risk Management

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. Credit risk arises primarily from our lending activities, as well as from off-balance sheet credit instruments. For a more comprehensive discussion of credit risk management, see “Credit Risk Management” in our 2018 Annual Report on Form 10-K.

Government Agency Guaranteed Loans

We participate in various guaranteed lending programs sponsored by U.S. government agencies, such as the Small Business Administration (“SBA”), Federal Housing Authority, Veterans’ Administration, Export-Import Bank of the U.S., and the U.S. Department of Agriculture. As of March 31, 2019, the principal balance of these loans was $564 million, and the guaranteed portion of these loans was $427 million. Most of these loans were guaranteed by the SBA. The following schedule presents the composition of government agency guaranteed loans.

GOVERNMENT GUARANTEES

(Dollar amounts in millions)	March 31, 2019		Percent guaranteed		December 31, 2018		Percent guaranteed
Commercial	$	541	75	%	$	537	75	%
Commercial real estate	14		79		14		79
Consumer	9		100		9		100
Total loans	$	564	76		$	560	76

Commercial Lending

The following schedule provides selected information regarding lending concentrations to certain industries in our commercial lending portfolio.

COMMERCIAL LENDING BY INDUSTRY GROUP

	March 31, 2019				December 31, 2018
(Dollar amounts in millions)	Amount		Percent		Amount		Percent
Real estate, rental and leasing	$	2,639	10.7	%	$	2,636	10.9	%
Retail trade 1	2,514		10.2		2,434		10.0
Manufacturing	2,204		9.0		2,145		8.9
Finance and insurance	1,876		7.6		2,036		8.4
Healthcare and social assistance	1,753		7.1		1,695		7.0
Wholesale trade	1,590		6.5		1,527		6.3
Transportation and warehousing	1,417		5.8		1,328		5.5
Construction	1,277		5.2		1,194		4.9
Mining, quarrying, and oil and gas extraction	1,216		4.9		1,206		5.0
Utilities2	1,192		4.8		1,163		4.8
Hospitality and food services	1,002		4.1		1,005		4.2
Professional, scientific, and technical services	918		3.7		859		3.6
Other Services (except Public Administration)	848		3.5		887		3.7
Other 3	4,152		16.9		4,047		16.8
Total	$	24,598	100.0	%	$	24,162	100.0	%

¹  At both March 31, 2019 and December 31, 2018, 83% of retail trade consist of motor vehicle and parts dealers, gas stations, grocery stores, building material suppliers, and direct-to-consumer retailers.

²  Includes primarily utilities, power, and renewable energy.

³  No other industry group exceeds 3.5%.

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Commercial Real Estate Loans

Selected information indicative of credit quality regarding our CRE loan portfolio is presented in the following schedule.

COMMERCIAL REAL ESTATE PORTFOLIO BY LOAN TYPE AND COLLATERAL LOCATION

(Dollar amounts in millions)		Collateral Location
Loan type	As of date	Arizona			California			Colorado			Nevada			Texas			Utah/ Idaho			Wash-ington			Other 1			Total			% of  total CRE
Commercial term
Balance outstanding	3/31/2019	$	1,208		$	2,888		$	610		$	609		$	1,544		$	1,340		$	414		$	574		$	9,187		79.7	%
% of loan type		13.2		%	31.4		%	6.6		%	6.6		%	16.8		%	14.6		%	4.5		%	6.3		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2019	0.3		%	0.2		%	0.2		%	—		%	0.1		%	0.1		%	—		%	0.3		%	0.2		%
	12/31/2018	—		%	—		%	—		%	0.2		%	—		%	0.1		%	—		%	—		%	—		%
≥ 90 days	3/31/2019	—		%	0.1		%	—		%	—		%	0.1		%	0.1		%	—		%	—		%	0.1		%
	12/31/2018	—		%	0.1		%	0.2		%	—		%	0.4		%	0.1		%	—		%	—		%	0.1		%
Accruing loans past due 90 days or more	3/31/2019	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
	12/31/2018	—			—			1			—			—			—			—			—			1
Nonaccrual loans	3/31/2019	$	2		$	6		$	—		$	—		$	4		$	5		$	—		$	15		$	32
	12/31/2018	2			8			—			1			8			6			—			13			38
Residential construction and land development
Balance outstanding	3/31/2019	$	39		$	327		$	77		$	2		$	208		$	55		$	1		$	8		$	717		6.2	%
% of loan type		5.5		%	45.6		%	10.7		%	0.3		%	29.0		%	7.7		%	0.1		%	1.1		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
	12/31/2018	—		%	—		%	0.2		%	—		%	0.7		%	—		%	—		%	—		%	0.2		%
≥ 90 days	3/31/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
	12/31/2018	—		%	—		%	—		%	—		%	0.1		%	—		%	—		%	—		%	—		%
Accruing loans past due 90 days or more	3/31/2019	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2018	—			—			—			—			—			—			—			—			—
Nonaccrual loans	3/31/2019	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	12/31/2018	—			—			—			—			—			—			—			—			—
Commercial construction and land development
Balance outstanding	3/31/2019	$	142		$	275		$	69		$	85		$	393		$	457		$	164		$	41		$	1,626		14.1	%
% of loan type		8.7		%	16.9		%	4.3		%	5.2		%	24.2		%	28.1		%	10.1		%	2.5		%	100.0		%
Delinquency rates 2:
30-89 days	3/31/2019	—		%	1.1		%	—		%	—		%	0.3		%	1.1		%	—		%	—		%	0.6		%
	12/31/2018	—		%	0.4		%	—		%	—		%	—		%	—		%	—		%	—		%	0.1		%
≥ 90 days	3/31/2019	—		%	—		%	—		%	—		%	—		%	0.2		%	—		%	—		%	0.1		%
	12/31/2018	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
Accruing loans past due 90 days or more	3/31/2019	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
	12/31/2018	—			—			—			—			—			—			—			—			—
Nonaccrual loans	3/31/2019	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
	12/31/2018	—			—			—			—			—			—			—			—			—
Total construction and land development	3/31/2019	$	181		$	602		$	146		$	87		$	601		$	512		$	165		$	49		$	2,343
Total commercial real estate	3/31/2019	$	1,389		$	3,490		$	756		$	696		$	2,145		$	1,852		$	579		$	623		$	11,530		100.0	%

¹  No other geography exceeds $96 million for all three loan types.

²  Delinquency rates include nonaccrual loans.

Approximately 11% of the CRE term loans consist of mini-perm loans as of March 31, 2019. For such loans, construction has been completed and the project has stabilized to a level that supports the granting of a mini-perm loan in accordance with our underwriting standards. Mini-perm loans generally have initial maturities of three to

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five years. The remaining 89% of CRE loans are term loans with initial maturities generally of 5 to 20 years. The stabilization criteria for a project to qualify for a term loan differ by product type and include criteria related to the cash flow generated by the project, loan-to-value ratio, and occupancy rates.

Approximately $231 million, or 10%, of the commercial construction and land development portfolio at March 31, 2019 consists of land acquisition and development loans. Most of these land acquisition and development loans are secured by specific retail, apartment, office, or other projects.

For a more comprehensive discussion of commercial real estate loans, see the “Commercial Real Estate Loans” section in our 2018 Annual Report on Form 10-K.

Consumer Loans

We have mainly been an originator of first and second mortgages, generally considered to be of prime quality. We generally hold variable-rate loans in our portfolio and sell “conforming” fixed-rate loans to third parties, including Federal National Mortgage Association and Federal Home Loan Mortgage Corporation, for which we make representations and warranties that the loans meet certain underwriting and collateral documentation standards.

We are also engaged in Home Equity Credit Line (“HECL”) lending. At both March 31, 2019 and December 31, 2018, our HECL portfolio totaled $2.9 billion. The following schedule describes the composition of our HECL portfolio by lien status.

HECL PORTFOLIO BY LIEN STATUS

(In millions)	March 31, 2019		December 31, 2018
Secured by first deeds of trust	$	1,410	$	1,458
Secured by second (or junior) liens	1,474		1,479
Total	$	2,884	$	2,937

At March 31, 2019, loans representing less than 1% of the outstanding balance in the HECL portfolio were estimated to have combined loan-to-value ratios (“CLTV”) above 100%. An estimated CLTV ratio is the ratio of our loan plus any prior lien amounts divided by the estimated current collateral value. At origination, underwriting standards for the HECL portfolio generally include a maximum 80% CLTV with high credit scores at origination.

Approximately 89% of our HECL portfolio is still in the draw period, and approximately 15% of those loans are scheduled to begin amortizing within the next five years. We regularly analyze the risk of borrower default in the event of a loan becoming fully amortizing and the risk of higher interest rates. The analysis indicates that the risk of loss from this factor is minimal in the current economic environment. The annualized ratio of net charge-offs to average balances for the first three months of 2019 and 2018 for the HECL portfolio was (0.09)% and 0.06%, respectively. See Note 6 of the Notes to Consolidated Financial Statements for additional information on the credit quality of this portfolio.

Nonperforming Assets

Nonperforming assets as a percentage of loans and leases and other real estate owned (“OREO”) decreased to 0.50% at March 31, 2019, compared with 0.55% at December 31, 2018.

Total nonaccrual loans at March 31, 2019 decreased $18 million from December 31, 2018, primarily in the commercial and industrial loan portfolio. The largest total decrease in nonaccrual loans occurred at Amegy, mainly due to improvements in the oil and gas-related portfolio.

The balance of nonaccrual loans can decrease due to paydowns, charge-offs, and the return of loans to accrual status under certain conditions. If a nonaccrual loan is refinanced or restructured, the new note is immediately placed on nonaccrual. If a restructured loan performs under the new terms for at least a period of six months, the loan can be considered for return to accrual status. See “Restructured Loans” following for more information. Bank policy does

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not allow for the conversion of nonaccrual construction and land development loans to CRE term loans. See Note 6 of the Notes to Consolidated Financial Statements for more information on nonaccrual loans.

The following schedule sets forth our nonperforming assets:

NONPERFORMING ASSETS

(Dollar amounts in millions)	March 31, 2019			December 31, 2018
Nonaccrual loans 1	$	234		$	252
Other real estate owned	6			4
Total nonperforming assets	$	240		$	256
Ratio of nonperforming assets to net loans and leases1 and other real estate owned	0.50		%	0.55		%
Accruing loans past due 90 days or more	$	8		$	10
Ratio of accruing loans past due 90 days or more to loans and leases1	0.02		%	0.02		%
Nonaccrual loans and accruing loans past due 90 days or more	$	242		$	262
Ratio of nonaccrual loans and accruing loans past due 90 days or more to loans and leases1	0.51		%	0.56		%
Accruing loans past due 30-89 days	$	142		$	65
Nonaccrual loans1 current as to principal and interest payments	58.9		%	58.5		%

¹ Includes loans held for sale.

Restructured Loans

Troubled debt restructurings (“TDRs”) are loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for whom we have granted a concession that we would not otherwise consider. TDRs decreased $28 million, or 14%, during the first three months of 2019, primarily due to payments and payoffs. Commercial loans may be modified to provide the borrower more time to complete the project, to achieve a higher lease-up percentage, to sell the property, or for other reasons. Consumer loan TDRs represent loan modifications in which a concession has been granted to the borrower who is unable to refinance the loan with another lender, or who is experiencing economic hardship. Such consumer loan TDRs may include first-lien residential mortgage loans and home equity loans.

If the restructured loan performs for at least six months according to the modified terms, and an analysis of the customer’s financial condition indicates that we are reasonably assured of repayment of the modified principal and interest, the loan may be returned to accrual status. The borrower’s payment performance prior to and following the restructuring is taken into account to determine whether a loan should be returned to accrual status.

ACCRUING AND NONACCRUING TROUBLED DEBT RESTRUCTURED LOANS

(In millions)	March 31, 2019		December 31, 2018
Restructured loans – accruing	$	98	$	112
Restructured loans – nonaccruing	76		90
Total	$	174	$	202

In the periods following the calendar year in which a loan was restructured, a loan may no longer be reported as a TDR if it is on accrual, is in compliance with its modified terms, and yields a market rate (as determined and documented at the time of the modification or restructure). See Note 6 of the Notes to Consolidated Financial Statements for additional information regarding TDRs.

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TROUBLED DEBT RESTRUCTURED LOANS ROLLFORWARD

	Three Months Ended March 31,
(In millions)	2019			2018
Balance at beginning of period	$	202		$	226
New identified TDRs and principal increases	6			51
Payments and payoffs	(28		)	(34		)
Charge-offs	(4		)	(1		)
No longer reported as TDRs	—			(11		)
Sales and other	(2		)	(2		)
Balance at end of period	$	174		$	229

Allowance for Credit Losses

In analyzing the adequacy of the ALLL, we utilize a comprehensive loan grading system to determine the risk potential in the portfolio and also consider the results of independent internal credit reviews. To determine the adequacy of the allowance, our loan and lease portfolio is broken into segments based on loan type.

The following schedule shows the changes in the allowance for loan losses and a summary of loan loss experience:

SUMMARY OF LOAN LOSS EXPERIENCE

(Dollar amounts in millions)	Three Months Ended March 31, 2019			Twelve Months Ended December 31, 2018			Three Months Ended March 31, 2018
Loans and leases outstanding (net of unearned income)	$	47,606		$	46,714		$	45,083
Average loans and leases outstanding (net of unearned income)	$	47,171		$	45,425		$	44,864
Allowance for loan losses:
Balance at beginning of period	$	495		$	518		$	518
Provision for loan losses	2			(39		)	(40		)
Charge-offs:
Commercial	8			46			20
Commercial real estate	1			5			—
Consumer	3			18			6
Total	12			69			26
Recoveries:
Commercial	6			68			18
Commercial real estate	3			9			2
Consumer	3			8			1
Total	12			85			21
Net loan and lease charge-offs (recoveries)	—			(16		)	5
Balance at end of period	$	497		$	495		$	473
Ratio of annualized net charge-offs to average loans and leases	—		%	(0.04		)%	0.05		%
Ratio of allowance for loan losses to net loans and leases, at period end	1.04		%	1.06		%	1.05		%
Ratio of allowance for loan losses to nonaccrual loans, at period end	212		%	201		%	131		%
Ratio of allowance for loan losses to nonaccrual loans and accruing loans past due 90 days or more, at period end	205		%	193		%	125		%

The total ALLL increased during the first three months of 2019 by $2 million as a result of improved loan growth and increases in qualitative adjustments.

The RULC represents a reserve for potential losses associated with off-balance sheet commitments and standby letters of credit. The reserve is separately shown in the balance sheet and any related increases or decreases in the

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reserve are shown separately in the statement of income. At March 31, 2019, the reserve increased by $2 million from December 31, 2018, and increased by $8 million from March 31, 2018.

See Note 6 of the Notes to Consolidated Financial Statements for additional information related to the ACL and credit trends experienced in each portfolio segment.

Interest Rate and Market Risk Management

Interest rate and market risk are managed centrally. Interest rate risk is the potential for reduced net interest income and other rate sensitive income resulting from adverse changes in the level of interest rates. Market risk is the potential for loss arising from adverse changes in the fair value of fixed income securities, equity securities, other earning assets, and derivative financial instruments as a result of changes in interest rates or other factors. As a financial institution that engages in transactions involving an array of financial products, we are exposed to both interest rate risk and market risk.

The Bank’s Board of Directors is responsible for approving the overall policies relating to the management of the financial risk of the Bank, including interest rate and market risk management. The Board has established the Asset/Liability Committee (“ALCO”) consisting of members of management, to which it has delegated the responsibility of managing interest rate and market risk for the Bank. ALCO establishes and periodically revises policy limits and reviews with the ROC the limits and limit exceptions reported by management.

Interest Rate Risk

Interest rate risk is one of the most significant risks to which we are regularly exposed. In general, our goal in managing interest rate risk is to manage balance sheet sensitivity to reduce net income volatility due to changes in interest rates.

Over the course of the last several years, we have actively reduced the level of asset-sensitivity through the purchase of short-to-medium duration agency pass-through securities and funding these purchases by reducing money market investments and increasing short-term borrowings. This repositioning of the investment portfolio has increased current net interest income while dampening the impact of higher rates on net interest income growth. We continue to anticipate moderately higher net interest income in a rising rate environment as our assets reprice more quickly than our liabilities.

Interest Rate Risk Measurement

We monitor interest rate risk through the use of two complementary measurement methods: net interest income simulation, or Earnings at Risk (“EaR”), and Economic Value of Equity at Risk (“EVE”). EaR analyzes the expected change in near term (one year) net interest income in response to changes in interest rates. In the EVE method, we measure the expected changes in the fair value of equity in response to changes in interest rates.

EaR is an estimate of the change in total net interest income that would be recognized under different rate environments over a one-year period. EaR is measured simulating net interest income under several different scenarios including parallel and nonparallel interest rate shifts across the yield curve, taking into account deposit repricing assumptions and estimates of the possible exercise of embedded options within the portfolio (e.g., a borrower’s ability to refinance a loan under a lower-rate environment). Our policy contains a trigger for a 10% decline in rate sensitive income as well as a risk capacity of a 13% decline if rates were to immediately rise or fall in parallel by 200 bps. As of December 31, 2018 the EaR declined by 12% for a 200 bps decline in rates. This trigger violation informed our decision to move to a less asset-sensitive position throughout 2019.

EVE is calculated as the fair value of all assets minus the fair value of liabilities. We measure changes in the dollar amount of EVE for parallel shifts in interest rates. Due to embedded optionality and asymmetric rate risk, changes in EVE can be useful in quantifying risks not apparent for small rate changes. Examples of such risks may include out-of-the-money interest rate caps (or limits) on loans, which have little effect under small rate movements but may become important if large rate changes were to occur, or substantial prepayment deceleration for low-rate mortgages in a higher-rate environment. Our policy contains a trigger for an 8% decline in EVE as well as a risk capacity of a

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10% decline if rates were to immediately rise or fall in parallel by 200 bps. Exceptions to the EVE limits are subject to notification and approval by the ROC.

Estimating the impact on net interest income and EVE requires that we assess a number of variables and make various assumptions in managing our exposure to changes in interest rates. The assessments address deposit withdrawals and deposit product migration (e.g., customers moving money from checking accounts to certificates of deposit), competitive pricing (e.g., existing loans and deposits are assumed to roll into new loans and deposits at similar spreads relative to benchmark interest rates), loan and security prepayments, and the effects of other similar embedded options. As a result of uncertainty about the maturity and repricing characteristics of both deposits and loans, we also calculate the sensitivity of EaR and EVE results to key assumptions. As most of our liabilities are comprised of indeterminate maturity and managed rate deposits, the modeled results are highly sensitive to the assumptions used for these deposits, such as checking, savings and money market accounts, and also to prepayment assumptions used for loans with prepayment options. We use historical regression analysis as a guide for setting such assumptions; however, due to the current low interest rate environment, which has little historical precedent, estimated deposit behavior may not reflect actual future results. Additionally, competition for funding in the marketplace has and may again result in changes to deposit pricing on interest-bearing accounts that are greater or less than changes in benchmark interest rates such as the London Interbank Offered Rate (“LIBOR”) or the federal funds rate.

Under most rising interest rate environments, we would expect some customers to move balances from demand deposits to interest-bearing accounts such as money market, savings, or certificates of deposit. The models are particularly sensitive to the assumption about the rate of such migration.

In addition, we assume certain correlation rates, often referred to as a “deposit beta,” of interest-bearing deposits, wherein the rates paid to customers change at a different pace when compared with changes in average benchmark interest rates. Generally, certificates of deposit are assumed to have a high correlation rate, while interest-on-checking accounts are assumed to have a lower correlation rate. Actual results may differ materially due to factors including competitive pricing, money supply, credit worthiness of the Bank, and so forth; however, we use our historical experience as well as industry data to inform our assumptions.

The aforementioned migration and correlation assumptions result in deposit durations presented in the following schedule.

DEPOSIT ASSUMPTIONS

	March 31, 2019
Product	Effective duration (unchanged)		Effective duration (+200 bps)
Demand deposits	3.2	%	2.9	%
Money market	3.0	%	1.1	%
Savings and interest-on-checking	3.0	%	2.4	%

As of the dates indicated and incorporating the assumptions previously described, the following schedule shows EaR, or percentage change in net interest income, based on a static balance sheet size, in the first year after the interest rate change if interest rates were to sustain immediate parallel changes ranging from -100 bps to +300 bps.

INCOME SIMULATION – CHANGE IN NET INTEREST INCOME

	March 31, 2019
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Earnings at Risk	(4.8	)%	—	%	3.0	%	5.3	%	8.1	%

¹  Assumes rates cannot go below zero in the negative rate shift.

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For non-maturity interest-bearing deposits, the weighted average modeled beta is 45%. If the weighted average deposit beta increased to 55% it would decrease the EaR in the +200bps shock from 5.3% to 2.6%.

The EaR analysis focuses on parallel rate shocks across the term structure of rates. The yield curve typically does not move in a parallel manner. During the past year, an increase in short-term rates has led to a flatter yield curve as longer-term rates have not increased at the same pace as short-term rates. If we consider a flattening rate shock where the short-term rate moves +200bps but the ten-year rate only moves +30bps, the increase in earnings is 33% lower over 12 months compared with the parallel +200bps rate shock.

For comparative purposes, the December 31, 2018 measures are presented in the following schedule.

	December 31, 2018
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Earnings at Risk	(5.3	)%	—	%	3.4	%	5.1	%	10.1	%

¹  Assumes rates cannot go below zero in the negative rate shift.

The asset-sensitivity as measured by EaR decreased slightly quarter-over-quarter due to changes in the investment securities and funding compositions.

CHANGES IN ECONOMIC VALUE OF EQUITY

As of the dates indicated, the following schedule shows our estimated percentage change in EVE under parallel interest rate changes ranging from -100 bps to +300 bps. For non-maturity interest-bearing deposits, the weighted average modeled beta is 45%. If the weighted average deposit beta increased to 55% it would decrease the EVE in the +200bps shock from (2.4)% to (5.4)%.

	March 31, 2019
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Economic Value of Equity	3.1	%	—	%	(0.2	)%	(2.4	)%	(4.8	)%

¹  Assumes rates cannot go below zero in the negative rate shift.

For comparative purposes, the December 31, 2018 measures are presented in the following schedule. The changes in EVE measures from December 31, 2018 are driven by increases in interest rates which increase the expected life of certain assets and decrease the expected life of certain liabilities.

	December 31, 2018
	Parallel shift in rates (in bps)1
Repricing scenario	-100 bps		0 bps		+100 bps		+200 bps		+300 bps
Economic Value of Equity	(2.5	)%	—	%	(2.1	)%	(5.6	)%	(5.4	)%

¹  Assumes rates cannot go below zero in the negative rate shift.

Our focus on business banking also plays a significant role in determining the nature of the Bank’s asset-liability management posture. At March 31, 2019, $21 billion of the Bank’s commercial lending and CRE loan balances were scheduled to reprice in the next six months. Of these variable-rate loans approximately 98% are tied to either the prime rate or LIBOR. For these variable-rate loans we have executed $4.3 billion of cash flow hedges by receiving fixed rates on interest rate swaps or through purchased interest rate floors. Additionally, asset-sensitivity is reduced due to $66 million of variable-rate loans being priced at floored rates at March 31, 2019, which were above the “index plus spread” rate by an average of 62 bps. At March 31, 2019, we also had $3.4 billion of variable-rate consumer loans scheduled to reprice in the next six months. Of these variable-rate consumer loans approximately $9 million were priced at floored rates, which were above the “index plus spread” rate by an average of 79 bps.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

See Notes 3 and 7 of the Notes to Consolidated Financial Statements for additional information regarding derivative instruments.

In July 2017, the Financial Conduct Authority, the authority regulating LIBOR, along with various other regulatory bodies, announced that LIBOR would likely be discontinued at the end of 2021. LIBOR makes up the most liquid and common interest rate index in the world and is commonly referenced in financial instruments. We have exposure to LIBOR in various aspects through its financial contracts. We are currently working with various industry groups and internal working groups to determine an appropriate replacement index for affected contracts that expire after the expected discontinuation of LIBOR on December 31, 2021. Instruments that may be impacted include loans, securities, and derivatives, among other financial contracts indexed to LIBOR and that mature after December 31, 2021. We are actively working to address any impacted contracts but realize that amending certain contracts indexed to LIBOR may require consent from the counterparties which could be difficult and costly to obtain in certain limited circumstances.

Market Risk – Fixed Income

We engage in the underwriting and trading of municipal securities. This trading activity exposes us to a risk of loss arising from adverse changes in the prices of these fixed income securities.

At March 31, 2019, we had a relatively small amount, $316 million, of trading assets and $52 million of securities sold, not yet purchased, compared with $106 million and $85 million, respectively, at December 31, 2018.

We are exposed to market risk through changes in fair value. We are also exposed to market risk for interest rate swaps used to hedge interest rate risk. Changes in the fair value of AFS securities and in interest rate swaps that qualify as cash flow hedges are included in accumulated other comprehensive income (“AOCI”) for each financial reporting period. During the first quarter of 2019, the after-tax change in AOCI attributable to AFS securities increased by $121 million, due largely to changes in the interest rate environment, compared with a $126 million decrease in the same prior year period.

Market Risk – Equity Investments

Through our equity investment activities, we own equity securities that are publicly-traded. In addition, we own equity securities in companies and governmental entities, e.g., the Federal Reserve Bank and an FHLB, that are not publicly-traded. The accounting for equity investments may use the cost, fair value, equity, or full consolidation methods of accounting, depending on our ownership position and degree of involvement in influencing the investees’ affairs. Regardless of the accounting method, the value of our investment is subject to fluctuation. Because the fair value of these securities may fall below our investment costs, we are exposed to the possibility of loss. Equity investments in private and public companies are approved, monitored and evaluated by the Bank’s Equity Investment Committee consisting of members of management.

We hold both direct and indirect investments in predominantly pre-public companies, primarily through various SBIC venture capital funds. Our equity exposure to these investments was approximately $139 million and $132 million at March 31, 2019 and December 31, 2018, respectively. On occasion, some of the companies within our SBIC investments may issue an initial public offering. In this case, the fund is generally subject to a lockout period before liquidating the investment, which can introduce additional market risk.

Additionally, Amegy has an alternative investments portfolio. These investments are primarily directed towards equity buyout and mezzanine funds with a key strategy of deriving ancillary commercial banking business from the portfolio companies. Early-stage venture capital funds are generally not a part of the strategy because the underlying companies are typically not creditworthy. The carrying value of Amegy’s equity investments was $11 million at both March 31, 2019 and December 31, 2018.

27

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Liquidity Risk Management

Overview

Liquidity refers to our capacity to meet our cash and collateral obligations and to manage both expected and unexpected cash flows without adversely impacting the operations or financial strength of the Bank. Sources of liquidity include both traditional forms of funding, such as deposits, borrowings, and equity and unencumbered assets, such as marketable loans and securities. The Bank continues to perform liquidity stress tests and assess its portfolio of highly liquid assets (sufficient to cover 30-day funding needs under the stress scenarios). At March 31, 2019, our investment securities portfolio of $16.0 billion and cash and money market investments of $1.7 billion collectively comprised 26% of total assets.

Liquidity Management Actions

The Bank’s consolidated cash, interest-bearing deposits held as investments, and security resell agreements decreased to $1.6 billion at March 31, 2019 from $2.4 billion at December 31, 2018. During the first quarter of 2019 uses of cash were primarily from (1) loan originations, (2) repayment of short-term borrowings, (3) repurchases of our common stock, and (4) dividends on common and preferred stock. The primary sources of cash during the same period were from (1) the issuance of long-term debt, (2) a net increase in deposits, and (3) a decrease in federal funds sold.

The Bank’s loan to total deposit ratio has remained consistent and was 87% at March 31, 2019 compared with 86% at December 31, 2018, indicating a slightly higher loan growth than deposit growth. The Bank’s core deposits, consisting of noninterest-bearing demand deposits, savings and money market deposits, and time deposits under $250,000, was $51.1 billion at March 31, 2019 compared with $51.2 billion at December 31, 2018.

Total deposits increased to $54.5 billion at March 31, 2019, from $54.1 billion at December 31, 2018. The increase for the first quarter of 2019 was a result of a $592 million and $228 million increase in time deposits and savings and money market deposits, respectively, partially offset by a $386 million decrease in noninterest-bearing demand deposits.

During the first quarter of 2019, the Bank issued a $500 million senior note with an interest rate of 3.35% and a maturity date of March 4, 2022. At March 31, 2019, maturities of our long-term senior and subordinated debt ranged from August 2021 to September 2028.

The Bank’s cash payments for interest, reflected in operating expenses, increased to $95 million during the first quarter of 2019 from $44 million during the first quarter of 2018 primarily due to an increase in deposits, long-term debt, and interest rates. Additionally, the Bank paid approximately $66 million of dividends on preferred stock and common stock for the first quarter of 2019 compared with $49 million for the first quarter of 2018. Dividends paid per common share increased from $0.20 in the first quarter of 2018 to $0.30 in the first quarter of 2019. In April 2019, the Board approved a quarterly common dividend of $0.30 per share.

General financial market and economic conditions impact our access to, and cost of, external financing. Access to funding markets for the Bank is also directly affected by the credit ratings received from various rating agencies. The ratings not only influence the costs associated with the borrowings, but can also influence the sources of the borrowings. All of the credit rating agencies rate the Bank’s debt at an investment-grade level. The Bank’s credit ratings did not change during the first quarter of 2019 and are presented in the following schedule.

CREDIT RATINGS
as of April 30, 2019:
Rating agency	Outlook	Long-term issuer/senior debt rating	Subordinated debt rating	Short-term debt rating
S&P	Stable	BBB+	BBB	A-2
Fitch	Positive	BBB	BBB-
Kroll	Stable	A-	BBB+	K2

28

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

The FHLB system and Federal Reserve Banks have been and are a source of back-up liquidity and a significant source of funding. Zions Bancorporation, N.A. is a member of the FHLB of Des Moines. The FHLB allows member banks to borrow against their eligible loans and securities to satisfy liquidity and funding requirements. The Bank is required to invest in FHLB and Federal Reserve stock to maintain their borrowing capacity.

At March 31, 2019, the amount available for additional FHLB and Federal Reserve borrowings was approximately $15.7 billion, compared with $13.8 billion at December 31, 2018. Loans with a carrying value of approximately $23.4 billion at March 31, 2019 have been pledged at the FHLB of Des Moines and the Federal Reserve as collateral for current and potential borrowings compared with $22.6 billion at December 31, 2018. At March 31, 2019, we had $3.3 billion of short-term FHLB borrowings outstanding and no long-term FHLB or Federal Reserve borrowings outstanding, compared with $4.5 billion of short-term FHLB borrowings and no long-term FHLB or Federal Reserve borrowings outstanding at December 31, 2018. At March 31, 2019, our total investment in FHLB and Federal Reserve stock was $140 million and $131 million, respectively, compared with $190 million and $139 million at December 31, 2018.

Our investment activities can provide or use cash, depending on the asset-liability management posture taken. During the first quarter of 2019, HTM and AFS investment securities’ activities resulted in a net increase in investment securities and a net $26 million decrease in cash, compared with a net $59 million increase in cash for the first quarter of 2018.

Maturing balances in the Bank’s loan portfolios also provide additional flexibility in managing cash flows. Lending activity for the first quarter of 2019 resulted in a net cash outflow of $860 million compared with a net cash outflow of $311 million for the first quarter of 2018.

We may also, from time to time, issue additional preferred stock, senior or subordinated notes or other forms of capital or debt instruments, depending on our capital, funding, asset-liability management or other needs as market conditions warrant and subject to any required regulatory approvals. Management believes that the sources of available liquidity are adequate to meet all reasonably foreseeable short-term and intermediate-term demands. A more comprehensive discussion of liquidity risk management, including certain contractual obligations, is contained in our 2018 Annual Report on Form 10-K.

Operational Risk Management

Operational risk is the risk to current or anticipated earnings or capital arising from inadequate or failed internal processes or systems, human errors or misconduct, or adverse external events. In our ongoing efforts to identify and manage operational risk, we have an ERM department whose responsibility is to help employees, management and the Board of Directors to assess, understand, measure, manage, and monitor risk in accordance with our Risk Appetite Framework. We have documented both controls and the Control Self-Assessment related to financial reporting under the 2013 framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”) and the Federal Deposit Insurance Corporation Improvement Act (“FDICIA”).

Periodic reviews by the Bank’s Compliance Risk Management, Internal Audit and Credit Examination departments are conducted on a regular basis, and the Data Governance department also provides key governance surrounding data integrity and availability oversight. We are continually improving our oversight of operational risk, including enhancement of risk identification, risk and control self-assessments, and antifraud measures, which are reported on a regular basis to enterprise management committees.

The number and sophistication of attempts to disrupt or penetrate our critical systems, sometimes referred to as hacking, cyber fraud, cyber attacks, cyber terrorism, or other similar names, also continue to grow. Given the importance and increasing sophistication of cyber attacks, the Bank has designated cyber risk a level one risk in its risk taxonomy, which places it at the highest level of oversight with its other top risks.

For a more comprehensive discussion of operational risk management see our 2018 Annual Report on Form 10-K.

29

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CAPITAL MANAGEMENT

Overview

We believe that a strong capital position is vital to continued profitability and to promoting depositor and investor confidence. The bank has a fundamental financial objective to consistently produce superior risk-adjusted returns on its shareholders’ capital. The Bank continues to utilize stress testing as the primary mechanism to inform its decisions on the appropriate level of capital and capital actions, based upon actual and hypothetically-stressed economic conditions. The timing and amount of capital actions are subject to various factors, including the Bank's financial performance, business needs, prevailing and anticipated economic conditions, and OCC approval.

Capital Management Actions

During the first quarter of 2019, the Bank repurchased 5.5 million shares of common stock, or 2.9% of common stock outstanding as of December 31, 2018, for $275 million at an average price of $50.03 per share. During the last four quarters, the Bank repurchased 16.3 million shares of common stock, or 8.3% of common stock outstanding as of March 31, 2018, for $830 million at an average price of $50.96 per share. In April 2019, the Bank announced that the Board of Directors approved a plan to repurchase $275 million of common stock during the second quarter of 2019. Shares may be repurchased occasionally in the open market, through privately negotiated transactions, utilizing Rule 10b5-1 plans or otherwise.

The Bank paid common dividends of $56 million, or $0.30 per share, during the first quarter of 2019 compared to $39 million, or $0.20 per share, during the first quarter of 2018. In April 2019, the Board of Directors declared a quarterly dividend of $0.30 per common share payable on May 23, 2019 to shareholders of record on May 16, 2019. The Bank also paid dividends on preferred stock of $10 million for both the first quarters of 2019 and 2018. See Note 9 for additional detail about capital management transactions during the first quarter of 2019.

CAPITAL DISTRIBUTIONS

	Three Months Ended
(Dollar amounts in millions)	March 31, 2019			December 31, 2018			March 31, 2018
Common dividends paid	$	56		$	57		$	40
Bank common stock repurchased – from publicly announced plans	275			250			115
Total capital distributed to common shareholders	$	331		$	307		$	155
Capital distributed as a percentage of net earnings applicable to common shareholders	161		%	141		%	67		%

Total shareholders’ equity has remained consistent and was $7.6 billion at both March 31, 2019 and March 31, 2018. The primary increases in shareholders’ equity during the first quarter of 2019 was net income of $213 million and $128 million from an increase in the fair value of our AFS securities due largely to changes in the interest rate environment. The primary decreases during the same time period was $275 million from repurchases of Bank common stock and $66 million from common and preferred stock dividends paid.

Weighted average diluted shares decreased by 15 million compared with the first quarter of 2018, primarily due to Bank share repurchases and a decrease in the Bank’s common share price which reduced the dilutive impact of warrants outstanding. As of March 31, 2019, the Bank had 29.3 million ZIONW warrants outstanding with an exercise price of $34.61 which expire on May 22, 2020.

The following schedule presents diluted shares from the outstanding common stock warrants at March 31, 2019 at various Zions Bancorporation, N.A. common stock market prices as of April 30, 2019, excluding the effect of changes in exercise cost and warrant share multiplier from the future payment of common stock dividends.

30

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

IMPACT OF COMMON STOCK WARRANTS

Assumed Zions Bancorporation, N.A. Common Stock Market Price		Diluted Shares (000s)
$	30.00	0
35.00		2,026
40.00		5,646
45.00		8,461
50.00		10,713
55.00		12,556
60.00		14,091
65.00		15,391

See Note 9 of the Notes to Consolidated Financial Statements for additional information on our common stock warrants.

Basel III Capital Requirements

The Bank is subject to Basel III capital requirements to maintain adequate levels of capital as measured by several regulatory capital ratios. We met all capital adequacy requirements under the Basel III Capital Rules as of March 31, 2019. The following schedule presents the Bank’s capital and performance ratios as of March 31, 2019, December 31, 2018 and March 31, 2018.

CAPITAL RATIOS

	March 31, 2019		December 31, 2018		March 31, 2018
Tangible common equity ratio1	8.8	%	8.9	%	9.3	%
Tangible equity ratio1	9.6	%	9.7	%	10.1	%
Average equity to average assets (three months ended)	11.0	%	11.2	%	11.5	%
Basel III risk-based capital ratios:
Common equity tier 1 capital	11.3	%	11.7	%	12.2	%
Tier 1 leverage	9.9	%	10.3	%	10.5	%
Tier 1 risk-based	12.3	%	12.7	%	13.3	%
Total risk-based	13.5	%	13.9	%	14.8	%
Return on average common equity (three months ended)	11.9	%	12.4	%	13.3	%
Return on average tangible common equity (three months ended)1	13.9	%	14.5	%	15.5	%

¹  See “GAAP to Non-GAAP Reconciliations” on page 6 for more information regarding these ratios.

At March 31, 2019, Basel III regulatory tier 1 risk-based capital and total risk-based capital was $6.7 billion and $7.3 billion, respectively, compared with $6.8 billion and $7.4 billion, respectively, at December 31, 2018. Tangible book value per common share increased to $32.92 at March 31, 2019 compared with $30.76 at March 31, 2018. A more detailed discussion of capital management and Basel III requirements, including implications for the Bank, is contained in “Capital Standards – Basel Framework” under Part 1, Item 1, “Capital Management”, and Note 14 of the Notes to Consolidated Financial Statements in our 2018 Annual Report on Form 10-K.

31

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(In millions, shares in thousands)	March 31, 2019			December 31, 2018
	(Unaudited)
ASSETS
Cash and due from banks	$	536		$	614
Money market investments:
Interest-bearing deposits	702			619
Federal funds sold and security resell agreements	438			1,461
Investment securities:
Held-to-maturity, at amortized cost (approximate fair value $762 and $767)	764			774
Available-for-sale, at fair value	14,904			14,737
Trading account, at fair value	316			106
Total securities	15,984			15,617
Loans held for sale	69			93
Loans and leases, net of unearned income and fees	47,606			46,714
Less allowance for loan losses	497			495
Loans held for investment, net of allowance	47,109			46,219
Other noninterest-bearing investments	993			1,046
Premises, equipment and software, net	1,125			1,124
Goodwill and intangibles	1,014			1,015
Other real estate owned	6			4
Other assets	1,219			934
Total Assets	$	69,195		$	68,746
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing demand	$	23,259		$	23,645
Interest-bearing:
Savings and money market	26,348			26,120
Time	4,928			4,336
Total deposits	54,535			54,101
Federal funds purchased and other short-term borrowings	4,944			5,653
Long-term debt	1,228			724
Reserve for unfunded lending commitments	59			57
Other liabilities	841			633
Total liabilities	61,607			61,168
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	566			566
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 182,513 and 187,554 shares)	—			—
Additional paid-in capital	3,541			3,806
Retained earnings	3,603			3,456
Accumulated other comprehensive income (loss)	(122		)	(250		)
Total shareholders’ equity	7,588			7,578
Total liabilities and shareholders’ equity	$	69,195		$	68,746

See accompanying notes to consolidated financial statements.

32

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

(In millions, except shares and per share amounts)	Three Months Ended March 31,
	2019			2018
Interest income:
Interest and fees on loans	$	570		$	497
Interest on money market investments	9			6
Interest on securities	96			86
Total interest income	675			589
Interest expense:
Interest on deposits	57			20
Interest on short- and long-term borrowings	42			27
Total interest expense	99			47
Net interest income	576			542
Provision for credit losses:
Provision for loan losses	2			(40		)
Provision for unfunded lending commitments	2			(7		)
Total provision for credit losses	4			(47		)
Net interest income after provision for loan losses	572			589
Noninterest income:
Service charges and fees on deposit accounts	40			42
Other service charges, commissions and fees	54			55
Wealth management and trust income	13			12
Loan sales and servicing income	5			6
Capital markets and foreign exchange	8			8
Customer-related fees	120			123
Dividends and other investment income	9			11
Securities gains, net	1			—
Other	2			4
Total noninterest income	132			138
Noninterest expense:
Salaries and employee benefits	287			269
Occupancy, net	33			31
Furniture, equipment and software, net	32			33
Other real estate expense, net	(1		)	—
Credit-related expense	6			7
Professional and legal services	11			12
Advertising	5			5
FDIC premiums	6			13
Other	51			49
Total noninterest expense	430			419
Income before income taxes	274			308
Income taxes	61			70
Net income	213			238
Preferred stock dividends	(8		)	(7		)
Net earnings applicable to common shareholders	$	205		$	231
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	184,767			196,722
Diluted shares (in thousands)	195,241			210,243
Net earnings per common share:
Basic	$	1.10		$	1.16
Diluted	1.04			1.09

See accompanying notes to consolidated financial statements.

33

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)

	Three Months Ended March 31,
(In millions)	2019			2018
Net income for the period	$	213		$	238
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	122			(126		)
Net unrealized gains (losses) on other noninterest-bearing investments	(3		)	1
Net unrealized holding gains (losses) on derivative instruments	8			(3		)
Reclassification adjustment for decrease in interest income recognized in earnings on derivative instruments	1			—
Other comprehensive income (loss)	128			(128		)
Comprehensive income	$	341		$	110

See accompanying notes to consolidated financial statements.

34

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

(Unaudited)

(In millions, except shares and per share amounts)	Preferred stock		Common stock					Accumulated paid-in capital			Retained earnings			Accumulated other comprehensive income (loss)				Total shareholders’ equity
			Shares (in thousands)		Amount
Balance at December 31, 2018	$	566	187,554		$	—		$	3,806		$	3,456			$	(250	)	$	7,578
Net income for the period											213							213
Other comprehensive income, net of tax															128			128
Cumulative effect adjustment, adoption of ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities											(3		)					(3		)
Bank common stock repurchased			(5,506	)				(276		)								(276		)
Net shares issued from stock warrant exercises			1
Net activity under employee plans and related tax benefits			464					11										11
Dividends on preferred stock											(7		)					(7		)
Dividends on common stock, $0.30 per share											(56		)					(56		)
Balance at March 31, 2019	$	566	182,513		$	—		$	3,541		$	3,603			$	(122	)	$	7,588
Balance at December 31, 2017	$	566	197,532		$	4,445		$	—		$	2,807			$	(139	)	$	7,679
Net income for the period											238							238
Other comprehensive loss, net of tax															(128		)	(128		)
Cumulative effect adjustment, adoption of ASU 2014-09, Revenue from Contracts with Customers											1							1
Bank common stock repurchased			(2,277	)	(122		)											(122		)
Net shares issued from stock warrant exercises			1,042
Net activity under employee plans and related tax benefits			753		23													23
Dividends on preferred stock											(7		)					(7		)
Dividends on common stock, $0.20 per share											(40		)					(40		)
Balance at March 31, 2018	$	566	197,050		$	4,346		$	—		$	2,999			$	(267	)	$	7,644

See accompanying notes to consolidated financial statements.

35

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

(In millions)	Three Months Ended March 31,
	2019			2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$	213		$	238
Adjustments to reconcile net income to net cash provided (used in) by operating activities:
Provision for credit losses	4			(47		)
Depreciation and amortization	44			43
Share-based compensation	14			13
Deferred income tax expense	15			13
Net decrease (increase) in trading securities	(210		)	4
Net increase in loans held for sale	(1		)	(33		)
Change in other liabilities	(43		)	4
Change in other assets	(70		)	48
Other, net	(8		)	(8		)
Net cash provided by (used in) operating activities	(42		)	275
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	940			(117		)
Proceeds from maturities and paydowns of investment securities held-to-maturity	101			59
Purchases of investment securities held-to-maturity	(91		)	(57		)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	587			669
Purchases of investment securities available-for-sale	(623		)	(612		)
Net change in loans and leases	(860		)	(311		)
Purchases and sales of other noninterest-bearing investments	54			(31		)
Purchases of premises and equipment	(25		)	(28		)
Other, net	4			(1		)
Net cash provided by (used in) investing activities	87			(429		)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	435			347
Net change in short-term funds borrowed	(709		)	1,890
Repayments of debt over 90 days and up to one year	—			(2,000		)
Proceeds from the issuance of long-term debt	497			—
Proceeds from the issuance of common stock	4			10
Dividends paid on common and preferred stock	(66		)	(49		)
Bank common stock repurchased	(276		)	(122		)
Other, net	(8		)	—
Net cash provided by (used in) financing activities	(123		)	76
Net decrease in cash and due from banks	(78		)	(78		)
Cash and due from banks at beginning of period	614			548
Cash and due from banks at end of period	$	536		$	470
Cash paid for interest	$	95		$	44
Net cash paid (refunds received) for income taxes	(2		)	1
Noncash activities are summarized as follows:
Loans held for investment transferred to other real estate owned	5			3
Loans held for investment reclassified to loans held for sale, net	—			15

See accompanying notes to consolidated financial statements.

36

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

March 31, 2019

1. BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force.

Operating results for the three months endedMarch 31, 2019 and 2018 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2018 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Bank’s 2018 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation, N.A. is a commercial bank headquartered in Salt Lake City, Utah. The Bank provides a full range of banking and related services in 11 Western and Southwestern states through 7 separately managed and branded units as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under the name The Commerce Bank of Oregon in Oregon.

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2. RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Bank
ASU 2016-13, Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments	This ASU significantly changes how entities will measure credit losses for virtually all financial assets and certain other instruments that are not measured at fair value through net income that have the contractual right to receive cash. The standard replaces today’s “incurred loss” approach with an “expected loss” model for instruments such as loans and held-to-maturity (“HTM”) securities that are measured at amortized cost. The standard requires credit losses relating to available-for sale (“AFS”) debt securities to be recorded through an allowance for credit loss (“ACL”) rather than a reduction of the carrying amount and replaces the historically required other-than-temporary impairment (“OTTI”) analysis. It also changes the accounting for purchased credit-impaired debt securities and loans. The standard retains many of the current disclosure requirements in U.S. GAAP and expands other disclosure requirements. The new guidance is effective for calendar year-end public companies beginning January 1, 2020. Early adoption is permitted as of January 1, 2019.	January 1, 2020	Our implementation team, led jointly by Credit, Treasury, and the Corporate Controller’s group, has developed models to meet the new standard that are being validated. We have started to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, and finalizing the qualitative allowance process and disclosures. Based on our current analysis, we believe the standard may potentially have a material impact on the Bank’s financial statements, and we expect more volatility in the credit loss estimate over economic cycles. Transition to the new standard is through a cumulative-effect adjustment to the opening retained earnings as of the beginning of the first period of adoption, January 1, 2020. The Bank does not plan to early adopt this new guidance.
ASU 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment	This ASU removes the requirements in step two of the current goodwill impairment model, eliminating the requirement to calculate and compare the implied fair value of the reporting entity with the carrying amount of that entity, including goodwill, to measure any impairment charge. Instead, entities will record an impairment charge based on the excess of a reporting unit’s carrying amount of goodwill over its implied fair value of goodwill (i.e., measure the charge based on step one of the current guidance). The standard also continues to allow entities to perform an optional qualitative goodwill impairment assessment before determining whether to proceed to the quantitative step one. The standard is effective for the Bank as of January 1, 2020. Early adoption is allowed for any goodwill impairment test performed after January 1, 2017.	January 1, 2020	We do not currently expect this guidance will have a material impact on the Bank’s financial statements since the fair values of our reporting units were not lower than their respective carrying amounts of goodwill at the time of our impairment analysis for 2018 and there were no decreases in the fair value identified for the relevant reporting units in the first quarter of 2019 and there continues to be no future expected decreases the relevant fair values in the foreseeable future. The Bank is not planning to early adopt this new guidance. The transition and adoption provisions are to be applied prospectively.

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Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Bank during 2019
ASU 2016-02, Leases (Topic 842) and subsequent related ASUs	Although lessor accounting was left materially unchanged by ASU 2016-02 (and all related ASUs which together have been codified in ASC 842), ASC 842 requires that all lessees recognize a right-of-use asset and an offsetting lease liability for all leases with a term greater than 12 months. As the lessee, we adopted an accounting policy election, by class of underlying asset, to not recognize lease assets or liabilities for leases with a term of 12 months or less. The recognition, measurement, and presentation of expenses and cash flows arising from a lease will depend primarily on its classification as a finance or operating lease. ASC 842 requires additional disclosures to provide financial statement users a better understanding of the amount, timing, and uncertainty of cash flows arising from leases. These new quantitative and qualitative disclosure requirements are detailed further in Note 8.	January 1, 2019	The Bank adopted ASC 842 at the beginning of the current quarter using the second of two permitted modified retrospective approaches for initial adoption. Under this method, the Bank recorded a right-of use asset of approximately $225 million and an offsetting lease liability of approximately $242 million. The impact to retained earnings upon adoption was not material. See Note 8 for additional details on the financial statement impact of completing the adoption of ASC 842.
ASU 2017-08, Nonrefundable Fees and Other Costs (Subtopic 310-20). Premium Amortization on Purchased Callable Debt Securities	The amendments in this ASU shorten the amortization period for certain callable debt securities held at a premium. The standard requires the premium of qualifying debt securities to be amortized to the earliest call date. The update does not change the accounting for callable debt securities held at a discount.	January 1, 2019	We adopted this standard at the beginning of the current quarter using a modified retrospective transition approach. As a result of adoption, we recorded a $3 million decrease to retained earnings on January 1, 2019, as a cumulative effect adjustment.
ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement	The purpose of this ASU is to improve the effectiveness of disclosures in the notes to the financial statements. This Update removes, modifies, and makes certain additions to the disclosure requirements for fair value measurement. The mandatory adoption date of the guidance in this ASU is for the first fiscal period beginning after December 15, 2019, with early adoption permitted.	January 1, 2019	We early adopted this ASU in the current quarter. This standard will be applied prospectively. The changes to the disclosure requirements for fair value measurements are immaterial to the financial statements and can be found in Note 3.
ASU 2018-15, Intangibles – Goodwill and Other-Internal- Use Software (Topic 350-40): Customer’s Accounting for Implementation Cost Incurred in a Cloud Computing Arrangement That Is a Service Contract	This ASU aligns the requirements for capitalizing implementation costs associated with Cloud Computing Arrangements that meet the definition of a service contract with requirements already provided for costs associated with internal-use software. Additionally, it clarifies that: -The amortization period for capitalized amounts will be the noncancelable hosting contract term plus any expected renewal periods. -Entities in a hosting arrangement that is a service contract must provide certain qualitative and quantitative disclosures. -Transition for those not already following the provisions of this ASU can be applied either retrospectively or prospectively.	January 1, 2019	We early adopted this ASU in the current quarter. The Bank has historically been applying the guidance as clarified in this ASU. Consequently, the adoption of the ASU did not have a material impact on the Bank’s financial statements.

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3. FAIR VALUE

Fair Value Measurement

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. For a discussion of the Bank’s valuation methodologies for assets and liabilities measured at fair value and the fair value hierarchy, see Note 3 of our 2018 Annual Report on Form 10-K.

Quantitative Disclosure by Fair Value Hierarchy

Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows:

(In millions)	March 31, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,559	$	—	$	13,599
Municipal securities			1,283				1,283
Other debt securities			22				22
Total Available-for-sale	40		14,864		—		14,904
Trading account	161		155				316
Other noninterest-bearing investments:
Bank-owned life insurance			518				518
Private equity investments					107		107
Other assets:
Agriculture loan servicing and interest-only strips					17		17
Deferred compensation plan assets	107						107
Derivatives:
Derivatives designated as hedges			9				9
Derivatives not designated as hedges:
Customer-facing interest rate			69				69
Other interest rate			1				1
Foreign exchange	3						3
Total Assets	$	311	$	15,616	$	124	$	16,051
LIABILITIES
Securities sold, not yet purchased	$	52	$	—	$	—	$	52
Other liabilities:
Deferred compensation plan obligations	107						107
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			22				22
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	161	$	23	$	—	$	184

¹We used a third-party pricing service to measure fair value for approximately 94% of our AFS Level 2 securities.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

(In millions)	December 31, 2018
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,385	$	—	$	13,425
Municipal securities			1,291				1,291
Other debt securities			21				21
Total Available-for-sale	40		14,697		—		14,737
Trading account	14		92				106
Other noninterest-bearing investments:
Bank-owned life insurance			516				516
Private equity investments					102		102
Other assets:
Agriculture loan servicing and interest-only strips					18		18
Deferred compensation plan assets	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			40				40
Other interest rate			1				1
Foreign exchange	4						4
Total Assets	$	153	$	15,346	$	120	$	15,619
LIABILITIES
Securities sold, not yet purchased	$	85	$	—	$	—	$	85
Other liabilities:
Deferred compensation plan obligations	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			36				36
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	182	$	37	$	—	$	219

¹We used a third-party pricing service to measure fair value for approximately 95% of our AFS Level 2 securities.

Level 3 Valuations

The Bank’s Level 3 holdings include private equity investments (“PEIs”), agriculture loan servicing, and interest-only strips. For additional information regarding the financial instruments measured under Level 3, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2018 Annual Report on Form 10-K.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Reconciliation of Level 3 Fair Value Measurements

The following reconciles the beginning and ending balances of assets and liabilities that are measured at fair value by class on a recurring basis using Level 3 inputs:

	Level 3 Instruments
	Three Months Ended
	March 31, 2019					March 31, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips			Private equity investments		Ag loan svcg and int-only strips
Balance at beginning of period	$	102	$	18		$	95	$	18
Securities gains (losses), net	1		—			—		—
Other noninterest income	—		(1		)	—		—
Purchases	4		—			5		—
Balance at end of period	$	107	$	17		$	100	$	18

The reconciliation of Level 3 instruments does not include any realized gains and losses in the statement of income during the three months endedMarch 31, 2019 and 2018.

Nonrecurring Fair Value Measurements

Included in the balance sheet amounts are the following amounts of assets that had fair value changes measured on a nonrecurring basis.

(In millions)	Fair value at March 31, 2019								Fair value at December 31, 2018
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	1
Impaired loans	—		2		—		2		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	3	$	—	$	3	$	—	$	32	$	1	$	33

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In millions)	Three Months Ended March 31,
	2019			2018
ASSETS
Private equity investments	$	—		$	—
Impaired loans	(4		)	(4		)
Other real estate owned	—			(1		)
Total	$	(4	)	$	(5	)

During the three months endedMarch 31, we recognized less than $1 million of net gains in 2019 and 2018 from the sale of OREO properties that had a carrying value, at the time of sale, of approximately $1 million during these same periods. Prior to their sale, we recognized an insignificant amount of impairment on these properties during the three months endedMarch 31, 2019 and 2018.

Private equity investments carried at cost were measured at fair value for impairment purposes according to the methodology previously discussed for these investments. Amounts of PEIs carried at cost were $10 million at March 31, 2019 and December 31, 2018. Amounts of other noninterest-bearing investments carried at cost were $272 million at March 31, 2019 and $329 million at December 31, 2018, which were comprised of Federal Reserve

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

and Federal Home Loan Bank (“FHLB”) stock. Private equity investments accounted for using the equity method were $36 million at March 31, 2019 and $35 million at December 31, 2018.

Impaired (or nonperforming) loans that are collateral-dependent were measured at fair value based on the fair value of the collateral. OREO was measured initially at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value. For additional information regarding the measurement of fair value for impaired loans, collateral-dependent loans, and OREO, see Note 3 of our 2018 Annual Report on Form 10-K.

Fair Value of Certain Financial Instruments

Following is a summary of the carrying values and estimated fair values of certain financial instruments:

	March 31, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	764	$	762	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	47,178		46,197		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,928		4,921		2	4,336		4,319		2
Long-term debt	1,228		1,240		2	724		727		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value and financial instruments that are recorded at fair value on a recurring basis. For additional information regarding the financial instruments within the scope of this disclosure, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2018 Annual Report on Form 10-K.

4. OFFSETTING ASSETS AND LIABILITIES

Gross and net information for selected financial instruments in the balance sheet is as follows:

	March 31, 2019
(In millions)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	739	$	(301	)	$	438	$	—		$	—		$	438
Derivatives (included in other assets)	82		—			82		(21		)	(5		)	56
Total assets	$	821	$	(301	)	$	520	$	(21	)	$	(5	)	$	494
Liabilities:
Federal funds and other short-term borrowings	$	5,245	$	(301	)	$	4,944	$	—		$	—		$	4,944
Derivatives (included in other liabilities)	25		—			25		(21		)	—			4
Total Liabilities	$	5,270	$	(301	)	$	4,969	$	(21	)	$	—		$	4,948

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	December 31, 2018
(In millions)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,461	$	—	$	1,461	$	—		$	—		$	1,461
Derivatives (included in other assets)	45		—		45		(35		)	(3		)	7
Total assets	$	1506	$	—	$	1506	$	(35	)	$	(3	)	$	1468
Liabilities:
Federal funds and other short-term borrowings	$	5,653	$	—	$	5,653	$	—		$	—		$	5,653
Derivatives (included in other liabilities)	39		—		39		(35		)	(1		)	3
Total Liabilities	$	5,692	$	—	$	5,692	$	(35	)	$	(1	)	$	5,656

Security repurchase and reverse repurchase (“resell”) agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in the Bank’s balance sheet. See Note 7 for further information regarding derivative instruments.

5. INVESTMENTS

Investment Securities

Securities are classified as HTM, AFS or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. AFS securities are carried at fair value and unrealized gains and losses, after applicable taxes, are recorded as net increases or decreases to accumulated other comprehensive income (“AOCI”). Realized gains and losses on AFS securities are determined by using the cost basis of each individual security. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The purchase premiums for callable debt securities classified as HTM or AFS are amortized at a constant effective yield to the earliest call date. The purchase premiums and discounts for all other HTM and AFS securities are amortized and accreted at a constant effective yield to the contractual maturity date and no assumption is made concerning prepayments. As principal prepayments occur, the portion of the unamortized premium or discount associated with the principal reduction is recognized in interest income in the period the principal is reduced. Note 3 of our 2018 Annual Report on Form 10-K discusses the process to estimate fair value for investment securities.

	March 31, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	764	$	4	$	6	$	762
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,407		2		11		1,398
Agency guaranteed mortgage-backed securities	10,384		36		136		10,284
Small Business Administration loan-backed securities	1,919		1		43		1,877
Municipal securities	1,270		16		3		1,283
Other debt securities	25		—		3		22
Total available-for-sale	15,045		55		196		14,904
Total investment securities	$	15,809	$	59	$	202	$	15,666

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	December 31, 2018
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	774	$	4	$	11	$	767
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,394		—		19		1,375
Agency guaranteed mortgage-backed securities	10,236		18		240		10,014
Small Business Administration loan-backed securities	2,042		1		47		1,996
Municipal securities	1,303		4		16		1,291
Other debt securities	25		—		4		21
Total available-for-sale debt securities	15,040		23		326		14,737
Total investment securities	$	15,814	$	27	$	337	$	15,504

Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of March 31, 2019, by expected timing of principal payments. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

	March 31, 2019
	Held-to-maturity				Available-for-sale
(In millions)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Due in one year or less	$	252	$	252	$	2,147	$	2,125
Due after one year through five years	329		328		5,984		5,928
Due after five years through ten years	132		132		4,441		4,406
Due after ten years	51		50		2,473		2,445
Total debt investment securities	$	764	$	762	$	15,045	$	14,904

The following is a summary of the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position:

	March 31, 2019
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	—	$	24	$	6	$	415	$	6	$	439
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		46		11		994		11		1,040
Agency guaranteed mortgage-backed securities	2		270		134		6,799		136		7,069
Small Business Administration loan-backed securities	13		876		30		898		43		1,774
Municipal securities	—		40		3		458		3		498
Other	—		—		3		12		3		12
Total available-for-sale	15		1,232		181		9,161		196		10,393
Total investment securities	$	15	$	1,256	$	187	$	9,576	$	202	$	10,832

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	December 31, 2018
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	1	$	86	$	10	$	438	$	11	$	524
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2		245		17		913		19		1,158
Agency guaranteed mortgage-backed securities	16		1,081		224		6,661		240		7,742
Small Business Administration loan-backed securities	19		1,180		28		711		47		1,891
Municipal securities	2		266		14		641		16		907
Other	—		—		4		11		4		11
Total available-for-sale	39		2,772		287		8,937		326		11,709
Total investment securities	$	40	$	2,858	$	297	$	9,375	$	337	$	12,233

At March 31, 2019 and December 31, 2018, respectively, 464 and 606 HTM and 1,891 and 2,588 AFS investment securities were in an unrealized loss position.

Other-Than-Temporary Impairment

The Bank did not recognize any OTTI on its investment securities portfolio during the first three months of 2019. We review investment securities on a quarterly basis for the presence of OTTI. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At March 31, 2019, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is not more likely than not we would be required to sell such securities before recovery of their amortized cost basis. For additional information on our policy and evaluation process relating to OTTI, see Note 5 of our 2018 Annual Report on Form 10-K.

The following summarizes gains and losses that were recognized in the statement of income:

	Three Months Ended March 31,
	2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses
Investment securities:
Other noninterest-bearing investments	$	4	$	3	$	1	$	1
Net gains 1			$	1			$	—

¹ Net gains were recognized in securities gains (losses), net in the statement of income.

Interest income by security type is as follows:

	Three Months Ended March 31,
(In millions)	2019						2018
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	2	$	4	$	6
Available-for-sale	83		6		89		73		6		79
Trading	—		1		1		—		1		1
Total securities	$	85	$	11	$	96	$	75	$	11	$	86

Investment securities with a carrying value of $3.1 billion at March 31, 2019 and$2.6 billionatDecember 31, 2018, respectively, were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

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6. LOANS AND ALLOWANCE FOR CREDIT LOSSES

Loans and Loans Held for Sale

Loans are summarized as follows according to major portfolio segment and specific loan class:

(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	69	$	93
Commercial:
Commercial and industrial	$	14,758	$	14,513
Leasing	312		327
Owner-occupied	7,754		7,661
Municipal	1,774		1,661
Total commercial	24,598		24,162
Commercial real estate:
Construction and land development	2,343		2,186
Term	9,187		8,939
Total commercial real estate	11,530		11,125
Consumer:
Home equity credit line	2,884		2,937
1-4 family residential	7,294		7,176
Construction and other consumer real estate	636		643
Bankcard and other revolving plans	489		491
Other	175		180
Total consumer	11,478		11,427
Total loans 1	$	47,606	$	46,714

¹Loans are presented net of unearned income, unamortized purchase premiums and discounts, and net deferred loan fees and costs totaling $51 million and $50 million at March 31, 2019 and December 31, 2018, respectively.

Municipal loans generally include loans to state and local governments (“municipalities”) with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment.

Land acquisition and development loans included in the construction and land development loan portfolio were $231 million at March 31, 2019 and $237 million at December 31, 2018.

Loans with a carrying value of approximately $23.4 billion at March 31, 2019 and $22.6 billion at December 31, 2018 have been pledged at the Federal Reserve or the FHLB of Des Moines as collateral for current and potential borrowings.

We sold loans totaling $118 million and $106 million for the three months endedMarch 31, 2019 and 2018, respectively, that were classified as loans held for sale. The sold loans were derecognized from the balance sheet. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of Small Business Administration (“SBA”) loans. The loans are mainly sold to U.S. government agencies or participated to third parties. At times, we have continuing involvement in the transferred loans in the form of servicing rights or a guarantee from the respective issuer. Amounts added to loans held for sale during these same periods was $93 million and $165 million, respectively. See Note 5 for further information regarding guaranteed securities.

The principal balance of sold loans for which we retain servicing was approximately $2.2 billion at both March 31, 2019 and December 31, 2018. Income from loans sold, excluding servicing, was $2 million and $3 million for the three months endedMarch 31, 2019 and 2018, respectively.

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Allowance for Credit Losses

The allowance for credit losses (“ACL”) consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”). The ALLL represents our estimate of probable and estimable losses inherent in the loan and lease portfolio as of the balance sheet date. We also estimate a reserve for potential losses associated with off-balance sheet commitments, including standby letters of credit. We determine the RULC using the same procedures and methodologies that we use for the ALLL.

For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2018 Annual Report on Form 10-K.

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2019
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	331		$	110		$	54	$	495
Provision for loan losses	(1		)	1			2		2
Deductions:
Gross loan and lease charge-offs	8			1			3		12
Recoveries	6			3			3		12
Net loan and lease charge-offs (recoveries)	2			(2		)	—		—
Balance at end of period	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments
Balance at beginning of period	$	40		$	17		$	—	$	57
Provision for unfunded lending commitments	2			—			—		2
Balance at end of period	$	42		$	17		$	—	$	59
Total allowance for credit losses at end of period
Allowance for loan losses	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments	42			17			—		59
Total allowance for credit losses	$	370		$	130		$	56	$	556

	Three Months Ended March 31, 2018
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	371		$	103		$	44	$	518
Provision for loan losses	(40		)	(1		)	1		(40		)
Gross loan and lease charge-offs	20			—			6		26
Recoveries	18			2			1		21
Net loan and lease charge-offs (recoveries)	2			(2		)	5		5
Balance at end of period	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments
Balance at beginning of period	$	48		$	10		$	—	$	58
Provision for unfunded lending commitments	(8		)	1			—		(7		)
Balance at end of period	$	40		$	11		$	—	$	51
Total allowance for credit losses at end of period
Allowance for loan losses	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments	40			11			—		51
Total allowance for credit losses	$	369		$	115		$	40	$	524

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The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:
	March 31, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	322		112		54		488
Total	$	328	$	113	$	56	$	497
Outstanding loan balances:
Individually evaluated for impairment	$	148	$	50	$	70	$	268
Collectively evaluated for impairment	24,450		11,480		11,408		47,338
Total	$	24,598	$	11,530	$	11,478	$	47,606

	December 31, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	325		109		52		486
Total	$	331	$	110	$	54	$	495
Outstanding loan balances:
Individually evaluated for impairment	$	164	$	55	$	72	$	291
Collectively evaluated for impairment	23,998		11,070		11,355		46,423
Total	$	24,162	$	11,125	$	11,427	$	46,714

Nonaccrual and Past Due Loans

Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well secured and in the process of collection. For further discussion of our policies and processes regarding nonaccrual and past due loans, see Note 6 of our 2018 Annual Report on Form 10-K.

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Nonaccrual loans are summarized as follows:
(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	72	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	143		152
Commercial real estate:
Construction and land development	1		—
Term	32		38
Total commercial real estate	33		38
Consumer:
Home equity credit line	11		13
1-4 family residential	45		42
Construction and other consumer real estate	2		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	58		56
Total	$	234	$	246

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2019
(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	$	69	$	—	$	—	$	—	$	69	$	—	$	—
Commercial:
Commercial and industrial	$	14,646	$	86	$	26	$	112	$	14,758	$	4	$	43
Leasing	311		—		1		1		312		—		1
Owner-occupied	7,702		33		19		52		7,754		1		45
Municipal	1,774		—		—		—		1,774		—		1
Total commercial	24,433		119		46		165		24,598		5		90
Commercial real estate:
Construction and land development	2,333		9		1		10		2,343		1		—
Term	9,164		17		6		23		9,187		1		24
Total commercial real estate	11,497		26		7		33		11,530		2		24
Consumer:
Home equity credit line	2,875		5		4		9		2,884		—		5
1-4 family residential	7,260		13		21		34		7,294		—		17
Construction and other consumer real estate	636		—		—		—		636		—		2
Bankcard and other revolving plans	485		3		1		4		489		1		—
Other	174		1		—		1		175		—		—
Total consumer loans	11,430		22		26		48		11,478		1		24
Total	$	47,360	$	167	$	79	$	246	$	47,606	$	8	$	138

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	December 31, 2018
(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	$	89	$	—	$	4	$	4	$	93	$	—	$	2
Commercial:
Commercial and industrial	$	14,445	$	37	$	31	$	68	$	14,513	$	4	$	46
Leasing	325		1		1		2		327		—		1
Owner-occupied	7,621		23		17		40		7,661		3		48
Municipal	1,661		—		—		—		1,661		—		1
Total commercial	24,052		61		49		110		24,162		7		96
Commercial real estate:
Construction and land development	2,185		1		—		1		2,186		—		—
Term	8,924		4		11		15		8,939		1		26
Total commercial real estate	11,109		5		11		16		11,125		1		26
Consumer:
Home equity credit line	2,927		4		6		10		2,937		—		4
1-4 family residential	7,143		15		18		33		7,176		—		19
Construction and other consumer real estate	642		1		—		1		643		—		—
Bankcard and other revolving plans	487		2		2		4		491		2		—
Other	179		1		—		1		180		—		—
Total consumer loans	11,378		23		26		49		11,427		2		23
Total	$	46,539	$	89	$	86	$	175	$	46,714	$	10	$	145

¹  Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

Credit Quality Indicators

In addition to the past due and nonaccrual criteria, we also analyze loans using loan risk-grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades assigned to loans follow our definitions of Pass, Special Mention, Sub-standard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. For further discussion of our policies and processes regarding credit quality indicators and internal loan risk-grading, see Note 6 of our 2018 Annual Report on Form 10-K.

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Outstanding loan balances (accruing and nonaccruing) categorized by these credit quality classifications are summarized as follows:

	March 31, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,047	$	389	$	322	$	—	$	14,758
Leasing	299		10		3		—		312
Owner-occupied	7,448		82		224		—		7,754
Municipal	1,745		2		27		—		1,774
Total commercial	23,539		483		576		—		24,598		$	328
Commercial real estate:
Construction and land development	2,334		—		9		—		2,343
Term	9,080		34		73		—		9,187
Total commercial real estate	11,414		34		82		—		11,530		113
Consumer:
Home equity credit line	2,868		—		16		—		2,884
1-4 family residential	7,245		—		49		—		7,294
Construction and other consumer real estate	633		—		3		—		636
Bankcard and other revolving plans	487		—		2		—		489
Other	174		—		1		—		175
Total consumer loans	11,407		—		71		—		11,478		56
Total	$	46,360	$	517	$	729	$	—	$	47,606	$	497

	December 31, 2018
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	13,891	$	322	$	300	$	—	$	14,513
Leasing	313		10		4		—		327
Owner-occupied	7,369		72		220		—		7,661
Municipal	1,632		2		27		—		1,661
Total commercial	23,205		406		551		—		24,162		$	331
Commercial real estate:
Construction and land development	2,174		11		1		—		2,186
Term	8,853		10		76		—		8,939
Total commercial real estate	11,027		21		77		—		11,125		110
Consumer:
Home equity credit line	2,920		—		17		—		2,937
1-4 family residential	7,129		—		47		—		7,176
Construction and other consumer real estate	641		—		2		—		643
Bankcard and other revolving plans	488		—		3		—		491
Other	179		—		1		—		180
Total consumer loans	11,357		—		70		—		11,427		54
Total	$	45,589	$	427	$	698	$	—	$	46,714	$	495

Impaired Loans

Loans are considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the contractual terms of the loan agreement, including scheduled interest payments. Payments received on impaired loans that are accruing are recognized in interest income, according to the contractual loan agreement. Payments received on impaired loans that are on nonaccrual are not recognized in interest income, but are applied as a reduction to the principal outstanding. The amount of interest

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income recognized on a cash basis during the time the loans were impaired within the three months ended March 31, 2019 and 2018 was not significant. For additional information regarding our policies and methodologies used to evaluate impaired loans, see Note 6 of our 2018 Annual Report on Form 10-K.

Information on impaired loans individually evaluated is summarized as follows, including the average recorded investment and interest income recognized for the three months endedMarch 31, 2019 and 2018:

	March 31, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	99	$	35	$	44	$	79	$	5
Owner-occupied	56		42		11		53		1
Municipal	1		1		—		1		—
Total commercial	156		78		55		133		6
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	39		33		2		35		—
Total commercial real estate	39		33		2		35		—
Consumer:
Home equity credit line	15		12		3		15		—
1-4 family residential	63		30		23		53		2
Construction and other consumer real estate	2		—		2		2		—
Other	—		—		—		—		—
Total consumer loans	80		42		28		70		2
Total	$	275	$	153	$	85	$	238	$	8

	December 31, 2018
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	112	$	52	$	36	$	88	$	4
Owner-occupied	67		31		29		60		2
Municipal	1		1		—		1		—
Total commercial	180		84		65		149		6
Commercial real estate:
Construction and land development	1		—		—		—		—
Term	44		37		3		40		—
Total commercial real estate	45		37		3		40		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	69		32		25		57		2
Construction and other consumer real estate	1		1		—		1		—
Other	—		—		—		—		—
Total consumer loans	85		45		27		72		2
Total	$	310	$	166	$	95	$	261	$	8

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	Three Months Ended March 31, 2019				Three Months Ended March 31, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	83	$	1	$	148	$	—
Owner-occupied	60		—		91		8
Municipal	1		—		1		—
Total commercial	144		1		240		8
Commercial real estate:
Construction and land development	—		—		5		—
Term	35		—		57		—
Total commercial real estate	35		—		62		—
Consumer:
Home equity credit line	14		—		20		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	2		—		2		—
Other	—		—		—		—
Total consumer loans	71		—		77		—
Total	$	250	$	1	$	379	$	8

Modified and Restructured Loans

Loans may be modified in the normal course of business for competitive reasons or to strengthen the Bank’s position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which the Bank has granted a concession that it would not otherwise consider, are considered troubled debt restructurings (“TDRs”). For further discussion of our policies and processes regarding TDRs, see Note 6 of our 2018 Annual Report on Form 10-K.

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Selected information on TDRs that includes the recorded investment on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules:

	March 31, 2019
	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	$	4	$	—	$	—	$	14	$	6	$	26
Owner-occupied	4		1		—		—		3		7		15
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		13		41
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		5		9
Total commercial real estate	1		2		—		1		—		5		9
Consumer:
Home equity credit line	—		1		9		—		—		2		12
1-4 family residential	1		1		6		1		1		25		35
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		3		15		1		1		27		48
Total accruing	8		10		15		2		18		45		98
Nonaccruing
Commercial:
Commercial and industrial	1		4		—		1		2		24		32
Owner-occupied	6		—		—		—		1		6		13
Municipal	—		—		—		—		—		1		1
Total commercial	7		4		—		1		3		31		46
Commercial real estate:
Term	3		—		—		2		3		12		20
Total commercial real estate	3		—		—		2		3		12		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		4		2		3		7		50		76
Total	$	18	$	14	$	17	$	5	$	25	$	95	$	174

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.

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	December 31, 2018
	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	$	4	$	—	$	—	$	15	$	7	$	28
Owner-occupied	3		2		—		—		2		14		21
Total commercial	5		6		—		—		17		21		49
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	2		2		—		1		—		6		11
Total commercial real estate	2		2		—		1		—		6		11
Consumer:
Home equity credit line	—		1		8		—		—		3		12
1-4 family residential	1		2		6		1		1		28		39
Construction and other consumer real estate	—		—		—		—		—		1		1
Total consumer loans	1		3		14		1		1		32		52
Total accruing	8		11		14		2		18		59		112
Nonaccruing
Commercial:
Commercial and industrial	1		6		—		1		10		27		45
Owner-occupied	6		—		—		1		2		5		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		2		12		33		60
Commercial real estate:
Term	3		—		—		2		14		1		20
Total commercial real estate	3		—		—		2		14		1		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		6		2		4		27		41		90
Total	$	18	$	17	$	16	$	6	$	45	$	100	$	202

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.

Unfunded lending commitments on TDRs amounted to approximately $11 million at both March 31, 2019 and December 31, 2018.

The total recorded investment of all TDRs in which interest rates were modified below market was $80 million at March 31, 2019 and $88 million at December 31, 2018. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types.

The net financial impact on interest income due to interest rate modifications below market for accruing TDRs for the three months endedMarch 31, 2019 and 2018 was not significant.

On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans.

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The recorded investment of accruing and nonaccruing TDRs that had a payment default during the period listed below (and are still in default at period end) and are within 12 months or less of being modified as TDRs is as follows:

	Three Months Ended March 31, 2019						Three Months Ended March 31, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	1	$	1
Owner-occupied	—		—		—		—		1		1
Total commercial	—		3		3		—		2		2
Commercial real estate:
Term	—		2		2		—		—		—
Total commercial real estate	—		2		2		—		—		—
Total	$	—	$	5	$	5	$	—	$	2	$	2

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2019 and 2018 were $73 million and $111 million, respectively.

At March 31, 2019 and December 31, 2018, the amount of foreclosed residential real estate property held by the Bank was approximately $1 million and $2 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $9 million and $10 million, respectively.

Concentrations of Credit Risk

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. We perform an ongoing analysis of our loan portfolio to evaluate whether there is any significant exposure to any concentrations of credit risk. See Note 6 of our 2018 Annual Report on Form 10-K for further discussion of our evaluation of credit risk concentrations. See also Note 7 of our 2018 Annual Report on Form 10-K for a discussion of counterparty risk associated with the Bank’s derivative transactions.

7. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Objectives and Accounting

The Bank is exposed to certain risks arising from both its business operations and economic conditions. Our objectives in using derivatives are to add stability to interest income or expense, to modify the duration of specific assets or liabilities as we consider advisable, to manage exposure to interest rate movements or other identified risks, and/or to directly offset derivatives sold to our customers. For a detailed discussion of the use of and accounting policies regarding derivative instruments, see Note 7 of our 2018 Annual Report on Form 10-K.

Fair Value Hedges – As of March 31, 2019, the Bank had designated $1 billion of interest rate swaps in two separate qualifying fair value hedge relationships. Each hedge has a notional amount of $500 million, with the first $500 million maturing in August of 2021 and the second $500 million maturing in February of 2022. The hedging instruments used are receive-fixed interest rate swaps designated as hedges of the change in fair value of the London Interbank Offered Rate (“LIBOR”) benchmark swap rate component of the contractual coupon cash flows of these notes. Both swaps are structured to match the critical terms of the hedged notes, resulting in the expectation that the swaps will be highly effective as hedging instruments. The first swap has a rate of 3.50%, while the second swap, which was added during the first quarter of 2019, has a receive-fixed rate of 3.35%, making the average received-fixed strike rate 3.43% for all existing fair value hedges designated at the balance sheet date.

The Bank fully amortized all debt basis adjustments from previously designed fair value hedges prior to 2018 so there is no scheduled amortization for previously terminated fair value hedges that will impact the Bank’s financial statements for the foreseeable future.

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Cash Flow Hedges – During the first quarter of 2019, the Bank had two receive-fixed interest rate swaps that were designated as cash flow hedges mature. The Bank layered on an additional seven swaps in its cash flow hedge portfolio as part of its efforts to reduce asset-sensitivity and exposure to potential net interest income and margin compression in a down interest rate environment scenario. The seven additional swaps designated as cash flow hedges ranged from three to five years in tenor and increased the Bank’s overall swap notional designation in qualifying cash flow hedges of commercial loans from approximately $700 million as of December 31, 2018, to approximately $1.3 billion as of March 31, 2019. The Bank’s overall cash flow hedge swap portfolio as of the balance sheet date has a weighted-average maturity date of 2.7 years and a weighted average received-fixed strike rate of 2.08%, with a total of 22 active swaps and an additional five swaps maturing during 2019 with an aggregate notional of $150 million.

Additionally, during the first quarter of 2019, the Bank expanded its existing cash flow hedging program by introducing purchased floors as hedging instruments of its commercial loan portfolio. In total the Bank purchased $3 billion of floors with strike rates at 1.5% on one-month Intercontinental Exchange LIBOR. The $3 billion floors are composed of six individual purchased floors, all with a notional of $500 million and a tenor of approximately three years. Floors purchased were spread across the entire first quarter of 2019 and had an aggregate purchase premium of $7 million, and by March 31, 2019, the floor had increased in value to approximately $9 million dollars. The premium is amortized on a straight-line basis over the life of the derivative with changes in fair value deferred in other comprehensive income (“OCI”) as long as the hedging relationship remains highly effective and qualifies for hedge accounting. Amounts deferred in OCI are reclassified into earning in the periods in which the hedged forecasted transactions effect earnings.

Collateral and Credit Risk

Exposure to credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. For a more detailed discussion of collateral and credit risk related to our derivative contracts, see Note 7 of our 2018 Annual Report on Form 10-K.

Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At March 31, 2019, the fair value of our derivative liabilities was $25 million, for which we were required to pledge cash collateral of approximately $50 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s (“S&P”) or Moody’s at March 31, 2019, there would likely be $1 million additional collateral required to be pledged. As a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”), all newly eligible derivatives entered into are cleared through a central clearinghouse. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded.

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Derivative Amounts

Selected information with respect to notional amounts and recorded gross fair values at March 31, 2019 and December 31, 2018, and the related gain (loss) of derivative instruments for the three months endedMarch 31, 2019 and 2018 is summarized as follows:

	March 31, 2019						December 31, 2018
	Notional amount		Fair value				Notional amount		Fair value
(In millions)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments:
Cash flow hedges:
Purchased interest rate floors	$	3,000	$	9	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,338		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	5,338		9		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives	3,035		69		22		2,826		40		36
Offsetting interest rate derivatives	3,035		—		—		2,826		—		—
Other interest rate derivatives	449		1		1		253		1		1
Foreign exchange derivatives	367		3		2		389		4		2
Total derivatives not designated as hedging instruments	6,886		73		25		6,294		45		39
Total derivatives	$	12,224	$	82	$	25	$	7,481	$	45	$	39

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended March 31, 2019									Three Months Ended March 31, 2018
(In millions)	OCI		Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense		OCI			Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	3	$	—						$	(5	)	$	—
Interest rate swaps	8		2
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps								$	—									$	—
Total derivatives designated as hedging instruments	11		2					—		(5		)	—					—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives					$	(41	)								$	45
Offsetting interest rate derivatives					44										(38		)
Other interest rate derivatives					—										(2		)
Foreign exchange derivatives					5										5
Total derivatives not designated as hedging instruments					8										10
Total derivatives	$	11	$	2	$	8		$	—	$	(5	)	$	—	$	10		$	—

Note: These schedules are not intended to present at any given time the Bank’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following March 31, 2019, we estimate that $(7) million will be reclassified from AOCI into interest income

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The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented.

	Gain/(loss) recorded in income
	Three Months Ended March 31, 2019							Three Months Ended March 31, 2018
(In millions)	Derivatives2		Hedged items			Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	6	$	(6	)	$	—	$	—	$	—	$	—

¹  Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt. Gains and losses were recorded in net interest income.

² The income for the derivative does not reflect interest income/expense to be consistent with the presentation of the gains/ (losses) on the hedged items.

The following schedule provides selected information regarding the long-term debt in the statement of financial position in which the hedged item is included.

	Carrying amount of the hedged assets/(liabilities)						Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities)
(In millions)	March 31, 2019			December 31, 2018			March 31, 2019			December 31, 2018
Long-term debt	$	(1,010	)	$	(505	)	$	(10	)	$	(5	)

The fair value of derivative assets was reduced by a net credit valuation adjustment of $6 million and $1 million at March 31, 2019 and 2018, respectively. The adjustment for derivative liabilities was a decrease of less than $1 million at March 31, 2019 and $1 million at March 31, 2018. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

8. LEASES

Leases

In February 2016, the FASB issued ASU 2016-02, Leases (“Topic 842”), to increase transparency and comparability among organizations by requiring the recognition of right-of-use assets and lease liabilities on the balance sheet. Most prominent among the changes in the standard is the recognition of right-of-use (“ROU”) assets and lease liabilities by lessees for those leases classified as operating leases. Under the standard, disclosures are required to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases.

Upon adoption the Bank has elected to use the following optional exemptions that are permitted under Topic 842, which have been applied consistently:

• the Bank elected the optional transition method and recorded an immaterial cumulative-effect adjustment to retained earnings to recognize the appropriate amount of lease assets and liabilities on the balance sheet as of the adoption date of the standard. Prior period financial statements were not restated.

• the Bank elected the expedient package to not reassess (1) whether any existing or expired contracts are or contain leases, (2) lease classification for any existing or expired leases, and (3) initial direct costs for any existing leases.

• the Bank elected to not separate lease components from non-lease components for all classes of underlying assets for lessee or lessor transactions.

We determine if a contract is a lease or contains a lease at inception. The right to use leased assets for the lease term are considered ROU assets. Operating lease assets are included in “Other assets” while finance lease assets are included in “Premises, equipment and software, net.” Lease liabilities for operating leases are included in “Other liabilities” while finance leases are included in “Long-term debt” on our consolidated balance sheet.

Lease ROU assets and operating lease liabilities are recognized based on the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit

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rate, we use our incremental borrowing rate based on the information available at the commencement date in determining the present value of future payments. The lease ROU asset also incorporates any amortization incurred, including initial direct costs, and excludes lease incentives received. Our lease terms may include options to extend or terminate the lease, and the lease term incorporates these when it is reasonably certain that we will exercise these options. The Bank enters into certain lease agreements with both lease and non-lease components, which are not separated out for lessees and lessors on a relative standalone basis.

We have operating and finance leases for branches, corporate offices, and data centers. Our equipment leases are not material. At March 31, 2019, we had 433 branches, of which 276 are owned and 157 are leased. We lease our headquarters in Salt Lake City, Utah, and other office or data centers are either owned or leased.

The Bank may enter into certain lease arrangements with a term of 12 months or less, and it has elected to exclude these from capitalization. The length of our commitments for leases ranges from 2019 to 2062, some of which include options to extend or terminate the leases.

As of March 31, 2019, assets recorded under operating leases were $244 million, while assets recorded under finance leases were less than $1 million. We utilized a secured incremental borrowing rate based on the remaining term of the lease as of the effective date for the discount rate to determine our lease ROU assets and liabilities. The following schedule presents lease-related assets, their weighted average remaining life, and the weighted average discount rate.

(Dollar amounts in millions)	March 31, 2019
Operating
Operating right-of-use assets	$	244
Operating lease liabilities	252
Weighted average remaining lease term (years)
Operating leases	9.4
Finance leases	1.1
Weighted average discount rate
Operating leases	3.2		%
Finance leases	13.1		%

The components of lease expense are as follows:

(In millions)	Three Months Ended March 31, 2019
Operating lease costs	$	12
Variable lease costs	13
Total lease cost	$	25

Supplemental cash flow information related to leases is as follows:

(In millions)	Three Months Ended March 31, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	10

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Maturities analysis for lease liabilities as of March 31, 2019 is as follows (undiscounted lease payments):

(In millions)
2019 1	$	41
2020	45
2021	39
2022	35
2023	31
Thereafter	114
Total	$	305

¹Contractual maturities for the nine months remaining in 2019.

The Bank enters into certain lease agreements where it is the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which the Bank occupies portions of the building. Operating lease income was $2 million and $3 million for the first three months of 2019 and 2018, respectively. Maturities analysis of operating lease payments to be received as of March 31, 2019 is as follows:

(In millions)
2019 1	$	6
2020	8
2021	8
2022	7
2023	7
Thereafter	25
Total	$	61

¹Contractual maturities for the nine months remaining in 2019.

The Bank also has a lending division that makes equipment leases, considered to be sales-type leases or direct financing leases, totaling $312 million and $371 million as of March 31, 2019 and 2018, respectively. The Bank uses leasing of equipment as a venue for customers to access equipment without purchasing upfront. For the first quarters of 2019 and 2018, the Bank recorded income of $4 million and $3 million on these leases.

9. LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY

Long-Term Debt

Long-term debt is summarized as follows:

(In millions)	March 31, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,141		637
Total	$	1,228	$	724

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or unamortized debt issuance costs as well as valuation adjustments for fair value swaps. During the first quarter of 2019, the Bank issued a $500 million senior note with an interest rate of 3.35% and a maturity date of March 4, 2022.

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Common Stock and Common Stock Warrants

The Bank’s common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. As of March 31, 2019, there were 182.5 million shares of 0.001 par value common stock outstanding. As of March 31, 2019, 29.3 million common stock warrants (NASDAQ: ZIONW), with an exercise price of $34.61, were outstanding, and each common stock warrant was convertible into 1.06 shares. These warrants expire on May 22, 2020.

Repurchases of Bank Common Stock

During the first quarter of 2019, we continued our common stock buyback program and repurchased 5.5 million shares of common stock outstanding with a fair value of $275 million at an average price of $50.03 per share. During the first quarter of 2018, we repurchased 2.2 million shares of common stock outstanding with a fair value of $115 million, at an average price of $53.46 per share. In April 2019, the Bank announced that the Board approved a plan to repurchase $275 million of common stock during the second quarter of 2019.

Accumulated Other Comprehensive Income

Accumulated other comprehensive income (loss) was $(122) million at March 31, 2019 compared with $(250) million at December 31, 2018. Changes in AOCI by component are as follows:

(In millions)	Net unrealized gains (losses) on investment securities			Net unrealized gains (losses) on derivatives and other			Pension and post-retirement			Total
Three Months Ended March 31, 2019
Balance at December 31, 2018	$	(228	)	$	(1	)	$	(21	)	$	(250	)
OCI before reclassifications, net of tax	122			5			—			127
Amounts reclassified from AOCI, net of tax	—			1			—			1
OCI	122			6			—			128
Balance at March 31, 2019	$	(106	)	$	5		$	(21	)	$	(122	)
Income tax expense included in OCI	$	40		$	2		$	—		$	42
Three Months Ended March 31, 2018
Balance at December 31, 2017	$	(114	)	$	(2	)	$	(23	)	$	(139	)
OCI (loss) before reclassifications, net of tax	(126		)	(2		)	—			(128		)
Amounts reclassified from AOCI, net of tax	—			—			—			—
OCI (loss)	(126		)	(2		)	—			(128		)
Balance at March 31, 2018	$	(240	)	$	(4	)	$	(23	)	$	(267	)
Income tax benefit included in OCI	$	(41	)	$	(1	)	$	—		$	(42	)

	Amounts reclassified from AOCI 1					Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended March 31,
Details about AOCI components	2019			2018			Affected line item
Net unrealized losses on derivative instruments	$	(1	)	$	—	SI	Interest and fees on loans
Income tax benefit	—			—
Amounts Reclassified from AOCI	$	(1	)	$	—

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets.

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10. COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES

Commitments and Guarantees

Contractual amounts of off-balance sheet financial instruments used to meet the financing needs of our customers are as follows:

(In millions)	March 31, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	21,632	$	21,454
Standby letters of credit:
Financial	544		655
Performance	196		199
Commercial letters of credit	27		18
Total unfunded lending commitments	$	22,399	$	22,326

¹  Net of participations

The Bank’s 2018 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At March 31, 2019, the Bank had recorded approximately $4 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $1 million attributable to the RULC and $3 million of deferred commitment fees.

Legal Matters

We are subject to litigation in court and arbitral proceedings, as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters.

As of March 31, 2019, we were subject to the following material litigation or governmental inquiries:

• a civil suit, Shou-En Wang v. CB&T, brought against us in the Superior Court for Los Angeles County, Central District in April 2016. The case relates to our depositor relationships with customers who were promoters of an investment program that allegedly misappropriated investors’ funds. Initial motion practice and discovery have been completed. Additional motion practice and expert witness phases are underway.

• a civil suit, McFarland as Trustee for International Manufacturing Group v. CB&T, et. al., brought against us in the United States Bankruptcy Court for the Eastern District of California in May 2016. The Trustee seeks to recover loan payments previously repaid to us by our customer, International Manufacturing Group (“IMG”), alleging that IMG, along with its principal, obtained loans and made loan repayments in furtherance of an alleged Ponzi scheme. Initial motion practice has been completed and discovery is underway.

• a civil suit, JTS Communities, Inc. et. al v. CB&T, Jun Enkoji and Dawn Satow, brought against us in the Superior Court for Sacramento County, California in June 2017. In this case four investors in IMG seek to hold us liable for losses arising from their investments in that company, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. This case is in an early phase with initial motion practice having been completed and discovery is underway.

• a civil class action lawsuit, Evans v. CB&T, brought against us in the United States District Court for the Eastern District of California in May 2017. This case was filed on behalf of a class of up to 50 investors in IMG

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and seeks to hold us liable for losses of class members arising from their investments in IMG, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. In December 2017, the District Court dismissed all claims against the Bank. In January 2018, the plaintiff filed an appeal with the Court of Appeals for the Ninth Circuit. The appeal was heard in early April 2019 and a ruling is anticipated in mid or late 2019.

• a Private Attorney General Act (“PAGA”) claim under California law, Lawson v. CB&T, brought against us in the Superior Court for the County of San Diego, California, in February 2016. In this case, the plaintiff alleges, on behalf of herself and other current or former employees of the Bank who worked in California on a non-exempt basis, violations by the Bank of California wage and hour laws. The case remains in the early stages of motion practice, to date mainly involving questions of venue and scope of employees covered by the PAGA claims. In March 2018, the Supreme Court of California granted review of an appeal from the intermediate appellate court decision requiring all aspects of the case to be heard in state court, rather than in arbitration. The appellate briefing process has been completed with a ruling anticipated in 2019.

• two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey Smith, et. al., brought against us in the United States District Court for the District of New Jersey in December 2017 and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al., brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank which filed for bankruptcy protection in 2017. The cases are in early phases, with initial motion practice and discovery underway in the Lifescan case.

• two civil class action lawsuits: Gregory, et. al. v. Zions Bancorporation and Springer, et. al. v. Zions Bancorporation, were brought against us in the United States District Court in Utah in January 2019 which have been consolidated into one case; and a separate civil action brought by a group of investors North Valley Partners, et. al. v. Zions Bancorporation, brought against us in the Third Judicial District Court for Salt Lake County, in March 2019. These cases were filed on behalf of investors in Rust Rare Coin, Inc. alleging that we aided and abetted a Ponzi scheme fraud perpetrated by Rust Rare Coin, a Zions Bank customer. The cases follow civil actions and the establishment of a receivership for Rust Rare Coin by The Commodities Futures Trading Commission and the Utah Division of Securities in November 2018, as well as a separate suit brought by the Securities and Exchange Commission against Rust Rare Coin and its principal, Gaylen Rust.

At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters.

In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available as of March 31, 2019, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 millionto roughly $50 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which a meaningful estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure.

Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in

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one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period.

Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

11. REVENUE RECOGNITION

We derive our revenue primarily from interest income on loans and securities, which was more than three-quarters of our revenue in the first quarter of 2019. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For a discussion of the Bank’s revenue recognition from contracts, and the implementation of ASC 606, see Note 16 of our 2018 Annual Report on Form 10-K.

The following schedule provides the major income categories within “Other service charges, commissions and fees” that are in scope of ASC 606 for the three months endedMarch 31, 2019:

	Three Months Ended March 31,
(In millions)	2019		2018
Card fee income	$	34	$	33
ATM fees	2		2
Other service charges	3		4
Other commissions and fees	4		5
Total	$	43	$	44

Disaggregation of Revenue

We provide services across different geographical areas, primarily in 11 Western U.S. States, under banking operations that have their own individual brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. The operating segment listed as “Other” includes Zions Management Services Company, certain nonbank financial services subsidiaries, centralized back-office functions, and eliminations of transactions between the segments. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

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The following schedule sets forth the noninterest income and net revenue by operating segments for the three months endedMarch 31, 2019 and 2018:

	Zions Bank						Amegy						CB&T
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	13		$	15		$	11		$	10		$	7		$	7
Other service charges, commissions, and fees	17			16			9			8			7			5
Wealth management and trust income	4			4			3			2			1			1
Capital markets and foreign exchange	1			1			(1		)	(2		)	1			1
Total noninterest income from contracts with customers (ASC 606)	35			36			22			18			16			14
Other noninterest income (Non-ASC 606 customer related)	(3		)	(2		)	13			12			4			4
Total customer-related fees	32			34			35			30			20			18
Other noninterest income (non-customer related)	1			1			(1		)	2			(1		)	3
Total noninterest income	33			35			34			32			19			21
Other real estate owned gain from sale	1			1			—			—			—			—
Net interest income	180			167			131			127			138			131
Total income less interest expense	$	214		$	203		$	165		$	159		$	157		$	152
	NBAZ						NSB						Vectra
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	3		$	3		$	4		$	4		$	2		$	2
Other service charges, commissions, and fees	3			2			3			3			2			3
Wealth management and trust income	—			1			1			1			—			—
Capital markets and foreign exchange	—			—			—			—			—			—
Total noninterest income from contracts with customers (ASC 606)	6			6			8			8			4			5
Other noninterest income (Non-ASC 606 customer related)	3			2			2			2			1			1
Total customer-related fees	9			8			10			10			5			6
Other noninterest income (non-customer related)	1			1			—			—			1			—
Total noninterest income	10			9			10			10			6			6
Other real estate owned gain from sale	—			—			—			—			—			—
Net interest income	60			53			40			35			36			32
Total income less interest expense	$	70		$	62		$	50		$	45		$	42		$	38
	TCBW						Other						Consolidated Bank
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	—		$	—		$	—		$	1		$	40		$	42
Other service charges, commissions, and fees	1			1			1			6			43			44
Wealth management and trust income	—			—			4			3			13			12
Capital markets and foreign exchange	—			—			2			3			3			3
Total noninterest income from contracts with customers (ASC 606)	1			1			7			13			99			101
Other noninterest income (Non-ASC 606 customer related)	—			—			1			3			21			22
Total customer-related fees	1			1			8			16			120			123
Other noninterest income (non-customer related)	—			—			11			8			12			15
Total noninterest income	1			1			19			24			132			138
Other real estate owned gain from sale	—			—			—			—			1			1
Net interest income	14			11			(23		)	(14		)	576			542
Total income less interest expense	$	15		$	12		$	(4	)	$	10		$	709		$	681

Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in Other Assets. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is typically not significant.

67

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

12. RETIREMENT PLANS

The following discloses the net periodic benefit cost (credit) and its components for the Bank’s pension and other retirement plans:

(In millions)	Three Months Ended March 31,
	2019			2018
Interest cost	$	1		$	1
Expected return on plan assets	(2		)	(3		)
Partial settlement loss	—			1
Amortization of net actuarial loss	1			—
Net periodic benefit cost (benefit)	$	—		$	(1	)

As disclosed in our 2018 Annual Report on Form 10-K, the Bank has frozen its participation and benefit accruals for the pension plan and its contributions for individual benefit payments in the postretirement benefit plan. In October 2018, the Bank has decided to terminate its pension plan subject to obtaining necessary regulatory approval. Completion of this termination is expected in early 2020. Plan participant benefits will not be disadvantaged because of this decision.

13. INCOME TAXES

The effective income tax rate of 22.3% for the first quarter of 2019 was slightly lower than the 2018first quarter rate of 22.7%. The income tax rates for 2019 and 2018 were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance, and were increased by the non-deductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation and other fringe benefits.

We had a net deferred tax asset (“DTA”) balance of $73 million at March 31, 2019, compared with $130 million at December 31, 2018. The decrease in the net DTA resulted primarily from the decrease of accrued compensation and unrealized losses in OCI related to securities. A reduction of net deferred tax liabilities related to leasing operations, including deferred items associated with the adoption of ASC 842, offset some of the overall decrease in DTA.

68

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

14. NET EARNINGS PER COMMON SHARE

Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows:

	Three Months Ended March 31,
(In millions, except shares and per share amounts)	2019		2018
Basic:
Net income	$	213	$	238
Less common and preferred dividends	64		47
Undistributed earnings	149		191
Less undistributed earnings applicable to nonvested shares	1		1
Undistributed earnings applicable to common shares	148		190
Distributed earnings applicable to common shares	56		39
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Net earnings per common share	$	1.10	$	1.16
Diluted:
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Dilutive effect of common stock warrants (in thousands)	9,739		12,382
Dilutive effect of stock options (in thousands)	735		1,139
Weighted average diluted common shares outstanding (in thousands)	195,241		210,243
Net earnings per common share	$	1.04	$	1.09

The following schedule presents the weighted average shares of stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share.

	Three Months Ended March 31,
(In thousands)	2019	2018
Restricted stock and restricted stock units	1,423	1,757

15. OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. Our banking operations are managed under their own individual brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. We use an internal funds transfer pricing (“FTP”) allocation system to report results of operations for business segments. This process is continually refined. Total average loans and deposits presented for the banking segments include insignificant intercompany amounts between banking segments and may also include deposits with the Other segment.

As of March 31, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 23 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 90 branches in California. NBAZ operates 58 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon.

69

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

The operating segment identified as “Other” includes certain nonbank financial service subsidiaries, centralized back-office functions, and eliminations of transactions between segments. The major components of net interest income at the Bank’s back-office include the revenue associated with the investments securities portfolio and the offset of the FTP costs and benefits provided to the business segments.

The following schedule does not present total assets or income tax expense for each operating segment, but instead presents average loans, average deposits and income before income taxes because these are the metrics that management uses when evaluating performance and making decisions pertaining to the operating segments. The Bank’s net interest income includes interest expense on borrowed funds. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

The accounting policies of the individual operating segments are the same as those of the Bank. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations.

The following schedule presents selected operating segment information for the three months ended March 31, 2019 and 2018:

(In millions)	Zions Bank					Amegy						CB&T
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	180	$	167		$	131		$	127		$	138	$	131
Provision for credit losses	11		(2		)	(15		)	(53		)	3		2
Net interest income after provision for loan losses	169		169			146			180			135		129
Noninterest income	33		35			34			32			19		21
Noninterest expense	118		113			88			87			82		77
Income (loss) before income taxes	$	84	$	91		$	92		$	125		$	72	$	73
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	12,939	$	12,453		$	11,861		$	11,370		$	10,574	$	9,929
Total average deposits	15,524		15,712			11,441			10,816			11,243		11,119
(In millions)	NBAZ					NSB						Vectra
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	60	$	53		$	40		$	35		$	36	$	32
Provision for credit losses	3		2			(1		)	—			4		3
Net interest income after provision for loan losses	57		51			41			35			32		29
Noninterest income	10		9			10			10			6		6
Noninterest expense	39		38			36			36			28		27
Income (loss) before income taxes	$	28	$	22		$	15		$	9		$	10	$	8
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,749	$	4,543		$	2,500		$	2,348		$	3,055	$	2,794
Total average deposits	4,894		4,783			4,329			4,223			2,821		2,711

70

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

(In millions)	TCBW				Other						Consolidated Bank
	2019		2018		2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	11	$	(23	)	$	(14	)	$	576	$	542
Provision for credit losses	—		1		(1		)	—			4		(47		)
Net interest income after provision for loan losses	14		10		(22		)	(14		)	572		589
Noninterest income	1		1		19			24			132		138
Noninterest expense	6		6		33			35			430		419
Income (loss) before income taxes	$	9	$	5	$	(36	)	$	(25	)	$	274	$	308
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,110	$	1,084	$	383		$	343		$	47,171	$	44,864
Total average deposits	1,075		1,073		2,589			1,557			53,916		51,994

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest rate and market risks are among the most significant risks regularly undertaken by us, and they are closely monitored as previously discussed. A discussion regarding our management of interest rate and market risk is included in the section entitled “Interest Rate and Market Risk Management” in this Form 10-Q.

ITEM 4. CONTROLS AND PROCEDURES

The Bank’s management, with the participation of the Bank’s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the Bank’s disclosure controls and procedures as of March 31, 2019. Based on that evaluation, the Bank’s Chief Executive Officer and Chief Financial Officer concluded that the Bank’s disclosure controls and procedures were effective as of March 31, 2019. There were no changes in the Bank’s internal control over financial reporting during the first quarter of 2019 that have materially affected, or are reasonably likely to materially affect, the Bank’s internal control over financial reporting.

PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

The information contained in Note 10 of the Notes to Consolidated Financial Statements is incorporated by reference herein.

ITEM 1A. RISK FACTORS

We believe there have been no material changes in the risk factors included in Zions Bancorporation, National Association’s 2018 Annual Report on Form 10-K.

71

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

The following schedule summarizes the Bank’s share repurchases for the first quarter of 2019:

SHARE REPURCHASES

Period	Total number of shares repurchased 1		Average price paid per share		Total number of shares purchased as part of publicly announced plans or programs		Approximate dollar value of shares that may yet be  purchased under the plan
January		2,430	$	43.43		—		$	—
February		5,503,092	50.03			5,496,593		21
March		1,040	47.83			—		21
First quarter		5,506,562	50.03			5,496,593

¹  Represents common shares acquired from employees in connection with our stock compensation plan in addition to shares acquired under previously reported share repurchase plans. Shares were acquired from employees to pay for their payroll taxes and stock option exercise cost upon the vesting of restricted stock and the exercise of stock options, under provisions of an employee share-based compensation plan.

ITEM 6. EXHIBITS

a)Exhibits

Exhibit Number	Description
3.1	Second Amended and Restated Articles of Association of Zions Bancorporation, National Association, incorporated by reference to Exhibit 3.1 of Form 8-K filed on October 2, 2018.	*
3.2	Second Amended and Restated Bylaws of Zions Bancorporation, National Association, incorporated by reference to Exhibit 3.2 of Form 8-K filed on April 4, 2019.	*
31.1	Certification by Chief Executive Officer required by Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934 (filed herewith).
31.2	Certification by Chief Financial Officer required by Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934 (filed herewith).
32	Certification by Chief Executive Officer and Chief Financial Officer required by Sections 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 (15 U.S.C. 78m) and 18 U.S.C. Section 1350 (furnished herewith).
101	Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets as of March 31, 2019 and March 31, 2018, (ii) the Consolidated Statements of Income for the three months ended March 31, 2019 and March 31, 2018, (iii) the Consolidated Statements of Comprehensive Income for the three months ended March 31, 2019 and March 31, 2018, (iv) the Consolidated Statements of Changes in Shareholders’ Equity for the three months ended March 31, 2019 and March 31, 2018, (v) the Consolidated Statements of Cash Flows for the three months ended March 31, 2019 and March 31, 2018 and (vi) the Notes to Consolidated Financial Statements (filed herewith).

* Incorporated by reference

Pursuant to Item 601(b)(4)(iii)(A) of Regulation S-K, copies of certain instruments defining the rights of holders of long-term debt are not filed. The Bank agrees to furnish a copy thereof to the Securities and Exchange Commission and the Office of the Comptroller of the Currency upon request.

72

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION

/s/ Harris H. Simmons

Harris H. Simmons, Chairman and

Chief Executive Officer

/s/ Paul E. Burdiss

Paul E. Burdiss, Executive Vice President and Chief Financial Officer

Date: May 7, 2019

73

EX-31.1

EXHIBIT 31.1

CERTIFICATION

Principal Executive Officer

I, Harris H. Simmons, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Zions Bancorporation, National Association;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: May 7, 2019

/s/ Harris H. Simmons

Harris H. Simmons, Chairman and Chief Executive Officer

EX-31.2

EXHIBIT 31.2

CERTIFICATION

Principal Financial Officer

I, Paul E. Burdiss, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Zions Bancorporation, National Association;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: May 7, 2019

/s/ Paul E. Burdiss

Paul E. Burdiss, Executive Vice President and Chief Financial Officer

EX-32

EXHIBIT 32

CERTIFICATION

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. §1350, the undersigned officers of Zions Bancorporation, National Association (the “Bank”) hereby certify that, to the best of their knowledge, the Bank’s Quarterly Report for the three months ended September 30, 2018 (the “Report”) fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 (15 U.S.C. 78m) and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Bank.

Date: May 7, 2019

/s/ Harris H. Simmons
Name:	Harris H. Simmons
Title:	Chairman and Chief Executive Officer
/s/ Paul E. Burdiss
Name:	Paul E. Burdiss
Title:	Executive Vice President and Chief Financial Officer

The foregoing certification is being furnished solely pursuant to 18 U.S.C. §1350 and is not being filed as part of the Report or as a separate disclosure document.

XML

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 30, 2019
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Trading Symbol	zion
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
Entity Central Index Key	0000109380
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding	182,512,940	182,565,329
Entity Emerging Growth Company	false
Entity Small Business	false

XML

Consolidated Balance Sheets - USD ($) shares in Thousands, $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Debt Securities, Held-to-maturity, Fair Value	$ 762
ASSETS
Cash and due from banks	536	$ 614
Money market investments:
Interest-bearing deposits	702	619
Federal funds sold and security resell agreements	438	1,461
Investment securities:
Available-for-sale, at fair value	14,904	14,737
Trading account, at fair value	316	106
Total investment securities	15,984	15,617
Loans held for sale	69	93
Loans held for investment, net of allowance
Loans and leases, net of unearned income and fees	47,606	46,714
Less allowance for loan losses	497	495
Loans held for investment, net of allowance	47,109	46,219
Other noninterest-bearing investments	993	1,046
Premises, equipment and software, net	1,125	1,124
Goodwill and intangibles	1,014	1,015
Other real estate owned	6	4
Other assets	1,219	934
Total assets	69,195	68,746
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing demand	23,259	23,645
Interest-bearing:
Savings and money market	26,348	26,120
Total deposits	54,535	54,101
Federal funds purchased and other short-term borrowings	4,944	5,653
Long-term Debt	1,228	724
Reserve for unfunded lending commitments	59	57
Other liabilities	841	633
Total liabilities	61,607	61,168
Shareholders' equity:
Preferred stock, without par value	566	566
Common Stock	0	0
Additional Paid-in Capital	3,541	3,806
Retained earnings	3,603	3,456
Accumulated other comprehensive income (loss)	(122)	(250)
Stockholders' Equity	7,588	7,578
Total liabilities and shareholders' equity	$ 69,195	$ 68,746
Preferred Stock, Shares Authorized	4,400	4,400
Common Stock, Shares Authorized	350,000	350,000
Common Stock, Shares, Issued	182,513	187,554
Common Stock, Shares, Outstanding	182,513	187,554
Fair Value, Inputs, Level 2 [Member]
Investment securities:
Held-to-maturity, at amortized cost	$ 764	$ 774
Trading account, at fair value	155	92
Interest-bearing:
Time	4,928	4,336
Long-term Debt	1,228	724
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Held-to-maturity, Fair Value	762	767
Interest-bearing:
Time	4,921	4,319
Long-term Debt	$ 1,240	$ 727

XML

Consolidated Balance Sheets (Parenthetical) - USD ($) shares in Thousands, $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Preferred Stock, Shares Authorized	4,400	4,400
Common Stock, Shares Authorized	350,000	350,000
Common Stock, Par or Stated Value Per Share	$ 0.0010
Common Stock, Shares, Issued	182,513	187,554
Held-to-maturity, fair value	$ 762
Common stock, outstanding shares	182,513	187,554
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Held-to-maturity, fair value	$ 762	$ 767

XML

Consolidated Statements Of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest income:
Interest and Fees and Loans	$ 570	$ 497
Interest on Money Market Investments	9	6
Interest on Securities	96	86
Total Interest Income	675	589
Interest expense:
Interest on Deposits	57	20
Interest on short- and long-term borrowings	42	27
Total Interest Expense	99	47
Net interest income	576	542
Provision for loan losses	2	(40)
Provision for unfunded lending commitments	2	(7)
Provision for Credit Losses	4	(47)
Net interest income after provision for loan losses	572	589
Noninterest income:
Service charges and fees on deposit accounts	40	42
Other service charges, commissions, and fees	54	55
Wealth management and trust income	13	12
Loan Sales and Servicing Income	5	6
Capital markets and foreign exchange	8	8
Customer-related Fees	120	123
Dividends and Other Investment Income	9	11
Securities Gains, Net	1	0
Other	2	4
Noninterest Income	132	138
Noninterest expense:
Salaries and Employee Benefits	287	269
Occupancy, Net	33	31
Furniture, Equipment, and Software, Net	32	33
Other real estate expense, net	1	0
Credit-Related Expense	6	7
Professional and Legal Fees	11	12
Advertising	5	5
FDIC Premiums	6	13
Other	51	49
Total Noninterest Expense	430	419
Income Before Income Taxes	274	308
Income taxes	61	70
Net income	213	238
Preferred Stock Dividends	(8)	(7)
Net Earnings Available to Common Shareholders	$ 205	$ 231
Weighted average common shares outstanding during the period:
Weighted Average Number of Shares Outstanding, Basic	184,767	196,722
Weighted Average Number of Shares Outstanding, Diluted	195,241	210,243
Earnings Per Share, Basic	$ 1.10	$ 1.16
Earnings Per Share, Diluted	$ 1.04	$ 1.09

XML

Consolidated Statements Of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Net income for the period	$ 213	$ 238
Other comprehensive income (loss), net of tax:
Unrealized holding gains (losses) on investment securities	122	(126)
Net unrealized gains (losses) on other noninterest-bearing investments	(3)	1
Net unrealized holding gains (losses) on derivative instruments	8	(3)
Reclassification adjustment for decrease in interest income recognized in earnings on derivatives instruments	1	0
Other comprehensive income (loss)	128	(128)
Comprehensive income	$ 341	$ 110

XML

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity	$ 7,679	$ 566	$ 4,445		$ 2,807	$ (139)
Additional Paid-in Capital				$ 0
Balance (in shares) at Dec. 31, 2017			197,532
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	238				238
Other comprehensive income, net of tax	(128)					(128)
Preferred Stock Redemption	1				1
Stock Issued During Period, Value, Conversion of Convertible Securities
Stock Repurchased and Retired During Period, Value	115
Common Stock Repurchased, Accumulated Paid-in Capital	$ (122)		$ (122)
Net Shares Issued From Stock Warrant Exercises			1,042
Company Common Stock Repurchased, Shares	2,200		(2,277)
Net activity under employee plans and related tax benefits	$ 23		$ 23
Net activity under employee plans and related tax benefits, shares			753
Dividends on preferred stock	(7)				(7)
Dividends on common stock	(40)				(40)
Balance (in shares) at Mar. 31, 2018			197,050
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity	7,644	566	$ 4,346		2,999	(267)
Additional Paid-in Capital				0
Stockholders' Equity	7,578	566	$ 0		3,456	(250)
Additional Paid-in Capital	$ 3,806			3,806
Balance (in shares) at Dec. 31, 2018	187,554		187,554
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 213				213
Other comprehensive income, net of tax	128					128
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification	(3)				(3)
Stock Repurchased and Retired During Period, Value	275
Common Stock Repurchased, Accumulated Paid-in Capital	(276)			(276)
Net Shares Issued From Stock Warrant Exercises			1
Stock Issued During Period, Value, Stock Options Exercised
Company Common Stock Repurchased, Shares	5,500		(5,506)
Net activity under employee plans and related tax benefits	$ 11
Employee Plans, Accumulated Paid-in Capital				11
Net activity under employee plans and related tax benefits, shares			464
Dividends on preferred stock	(7)				(7)
Dividends on common stock	$ (56)				(56)
Balance (in shares) at Mar. 31, 2019	182,513		182,513
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity	$ 7,588	$ 566	$ 0		$ 3,603	$ (122)
Additional Paid-in Capital	$ 3,541			$ 3,541

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Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Common Stock, Dividends, Per Share, Declared	$ 0.30	$ 0.20

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Consolidated Statements Of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Cash Flows [Abstract]
Net increase (decrease) in cash and due from banks	$ (78)	$ (78)
Cash and due from banks at beginning of period	614	548
Cash and due from banks at end of period	536	470
Cash paid for interest	95	44
Net cash paid for income taxes	(2)	1
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	213	238
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	4	(47)
Depreciation and amortization	44	43
Share-based Compensation	14	13
Deferred income tax expense	15	13
Net decrease (increase) in trading securities	(210)	4
Net increase in loans held for sale	(1)	(33)
Debt and Equity Securities, Gain (Loss)	(1)	0
Change in other liabilities	(43)	4
Change in other assets	(70)	48
Other, net	(8)	(8)
Net cash provided by (used in) operating activities	(42)	275
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	940	(117)
Proceeds from maturities and paydowns of investment securities held-to-maturity	101	59
Purchases of investment securities held-to-maturity	(91)	(57)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	587	669
Purchases of investment securities available-for-sale	(623)	(612)
Net change in loans and leases	(860)	(311)
Purchases and sales of other noninterest-bearing investments	54	(31)
Purchases of premises and equipment	(25)	(28)
Other, net	4	(1)
Net Cash Provided by (Used in) Investing Activities	87	(429)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	435	347
Net change in short-term funds borrowed	(709)	1,890
Repayments of debt over 90 days and up to one year	0	(2,000)
Proceeds from the issuance of long-term debt	497	0
Proceeds from Issuance of Common Stock	4	10
Dividends paid on common and preferred stock	(66)	(49)
Bank common stock repurchased	(276)	(122)
Other, net	(8)	0
Net cash provided by (used in) financing activities	(123)	76
Loans Held for Investment Transferred to Other Real Estate Owned	5	3
Loans Held for Investment Reclassified to Loans Held for Sale, Net	$ 0	$ (15)

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Basis of Presentaion

3 Months Ended

Mar. 31, 2019

Basis Of Presentation [Abstract]

Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]

BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force.

Operating results for the three months endedMarch 31, 2019 and 2018 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2018 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Bank’s 2018 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation, N.A. is a commercial bank headquartered in Salt Lake City, Utah. The Bank provides a full range of banking and related services in 11 Western and Southwestern states through 7 separately managed and branded units as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under the name The Commerce Bank of Oregon in Oregon.

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Certain Recent Accounting Pronouncements (Notes)

3 Months Ended

Mar. 31, 2019

Certain Recent Accounting Pronouncements [Abstract]

Certain Recent Accounting Pronouncements [Text Block]

RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards not yet adopted by the Bank
ASU 2016-13, Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments	This ASU significantly changes how entities will measure credit losses for virtually all financial assets and certain other instruments that are not measured at fair value through net income that have the contractual right to receive cash. The standard replaces today’s “incurred loss” approach with an “expected loss” model for instruments such as loans and held-to-maturity (“HTM”) securities that are measured at amortized cost. The standard requires credit losses relating to available-for sale (“AFS”) debt securities to be recorded through an allowance for credit loss (“ACL”) rather than a reduction of the carrying amount and replaces the historically required other-than-temporary impairment (“OTTI”) analysis. It also changes the accounting for purchased credit-impaired debt securities and loans. The standard retains many of the current disclosure requirements in U.S. GAAP and expands other disclosure requirements. The new guidance is effective for calendar year-end public companies beginning January 1, 2020. Early adoption is permitted as of January 1, 2019.	January 1, 2020	Our implementation team, led jointly by Credit, Treasury, and the Corporate Controller’s group, has developed models to meet the new standard that are being validated. We have started to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, and finalizing the qualitative allowance process and disclosures. Based on our current analysis, we believe the standard may potentially have a material impact on the Bank’s financial statements, and we expect more volatility in the credit loss estimate over economic cycles. Transition to the new standard is through a cumulative-effect adjustment to the opening retained earnings as of the beginning of the first period of adoption, January 1, 2020. The Bank does not plan to early adopt this new guidance.
ASU 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment	This ASU removes the requirements in step two of the current goodwill impairment model, eliminating the requirement to calculate and compare the implied fair value of the reporting entity with the carrying amount of that entity, including goodwill, to measure any impairment charge. Instead, entities will record an impairment charge based on the excess of a reporting unit’s carrying amount of goodwill over its implied fair value of goodwill (i.e., measure the charge based on step one of the current guidance). The standard also continues to allow entities to perform an optional qualitative goodwill impairment assessment before determining whether to proceed to the quantitative step one. The standard is effective for the Bank as of January 1, 2020. Early adoption is allowed for any goodwill impairment test performed after January 1, 2017.	January 1, 2020	We do not currently expect this guidance will have a material impact on the Bank’s financial statements since the fair values of our reporting units were not lower than their respective carrying amounts of goodwill at the time of our impairment analysis for 2018 and there were no decreases in the fair value identified for the relevant reporting units in the first quarter of 2019 and there continues to be no future expected decreases the relevant fair values in the foreseeable future. The Bank is not planning to early adopt this new guidance. The transition and adoption provisions are to be applied prospectively.

Standard	Description	Date of adoption	Effect on the financial statements or other significant matters
Standards adopted by the Bank during 2019
ASU 2016-02, Leases (Topic 842) and subsequent related ASUs	Although lessor accounting was left materially unchanged by ASU 2016-02 (and all related ASUs which together have been codified in ASC 842), ASC 842 requires that all lessees recognize a right-of-use asset and an offsetting lease liability for all leases with a term greater than 12 months. As the lessee, we adopted an accounting policy election, by class of underlying asset, to not recognize lease assets or liabilities for leases with a term of 12 months or less. The recognition, measurement, and presentation of expenses and cash flows arising from a lease will depend primarily on its classification as a finance or operating lease. ASC 842 requires additional disclosures to provide financial statement users a better understanding of the amount, timing, and uncertainty of cash flows arising from leases. These new quantitative and qualitative disclosure requirements are detailed further in Note 8.	January 1, 2019	The Bank adopted ASC 842 at the beginning of the current quarter using the second of two permitted modified retrospective approaches for initial adoption. Under this method, the Bank recorded a right-of use asset of approximately $225 million and an offsetting lease liability of approximately $242 million. The impact to retained earnings upon adoption was not material. See Note 8 for additional details on the financial statement impact of completing the adoption of ASC 842.
ASU 2017-08, Nonrefundable Fees and Other Costs (Subtopic 310-20). Premium Amortization on Purchased Callable Debt Securities	The amendments in this ASU shorten the amortization period for certain callable debt securities held at a premium. The standard requires the premium of qualifying debt securities to be amortized to the earliest call date. The update does not change the accounting for callable debt securities held at a discount.	January 1, 2019	We adopted this standard at the beginning of the current quarter using a modified retrospective transition approach. As a result of adoption, we recorded a $3 million decrease to retained earnings on January 1, 2019, as a cumulative effect adjustment.
ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement	The purpose of this ASU is to improve the effectiveness of disclosures in the notes to the financial statements. This Update removes, modifies, and makes certain additions to the disclosure requirements for fair value measurement. The mandatory adoption date of the guidance in this ASU is for the first fiscal period beginning after December 15, 2019, with early adoption permitted.	January 1, 2019	We early adopted this ASU in the current quarter. This standard will be applied prospectively. The changes to the disclosure requirements for fair value measurements are immaterial to the financial statements and can be found in Note 3.
ASU 2018-15, Intangibles – Goodwill and Other-Internal- Use Software (Topic 350-40): Customer’s Accounting for Implementation Cost Incurred in a Cloud Computing Arrangement That Is a Service Contract	This ASU aligns the requirements for capitalizing implementation costs associated with Cloud Computing Arrangements that meet the definition of a service contract with requirements already provided for costs associated with internal-use software. Additionally, it clarifies that: -The amortization period for capitalized amounts will be the noncancelable hosting contract term plus any expected renewal periods. -Entities in a hosting arrangement that is a service contract must provide certain qualitative and quantitative disclosures. -Transition for those not already following the provisions of this ASU can be applied either retrospectively or prospectively.	January 1, 2019	We early adopted this ASU in the current quarter. The Bank has historically been applying the guidance as clarified in this ASU. Consequently, the adoption of the ASU did not have a material impact on the Bank’s financial statements.

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Fair Value

3 Months Ended

Mar. 31, 2019

Fair Value Disclosures [Abstract]

Fair Value

FAIR VALUE

Fair Value Measurement

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. For a discussion of the Bank’s valuation methodologies for assets and liabilities measured at fair value and the fair value hierarchy, see Note 3 of our 2018 Annual Report on Form 10-K.

Quantitative Disclosure by Fair Value Hierarchy

Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows:

(In millions)	March 31, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,559	$	—	$	13,599
Municipal securities			1,283				1,283
Other debt securities			22				22
Total Available-for-sale	40		14,864		—		14,904
Trading account	161		155				316
Other noninterest-bearing investments:
Bank-owned life insurance			518				518
Private equity investments					107		107
Other assets:
Agriculture loan servicing and interest-only strips					17		17
Deferred compensation plan assets	107						107
Derivatives:
Derivatives designated as hedges			9				9
Derivatives not designated as hedges:
Customer-facing interest rate			69				69
Other interest rate			1				1
Foreign exchange	3						3
Total Assets	$	311	$	15,616	$	124	$	16,051
LIABILITIES
Securities sold, not yet purchased	$	52	$	—	$	—	$	52
Other liabilities:
Deferred compensation plan obligations	107						107
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			22				22
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	161	$	23	$	—	$	184

¹We used a third-party pricing service to measure fair value for approximately 94% of our AFS Level 2 securities.

(In millions)	December 31, 2018
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,385	$	—	$	13,425
Municipal securities			1,291				1,291
Other debt securities			21				21
Total Available-for-sale	40		14,697		—		14,737
Trading account	14		92				106
Other noninterest-bearing investments:
Bank-owned life insurance			516				516
Private equity investments					102		102
Other assets:
Agriculture loan servicing and interest-only strips					18		18
Deferred compensation plan assets	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			40				40
Other interest rate			1				1
Foreign exchange	4						4
Total Assets	$	153	$	15,346	$	120	$	15,619
LIABILITIES
Securities sold, not yet purchased	$	85	$	—	$	—	$	85
Other liabilities:
Deferred compensation plan obligations	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			36				36
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	182	$	37	$	—	$	219

¹We used a third-party pricing service to measure fair value for approximately 95% of our AFS Level 2 securities.

Level 3 Valuations

The Bank’s Level 3 holdings include private equity investments (“PEIs”), agriculture loan servicing, and interest-only strips. For additional information regarding the financial instruments measured under Level 3, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2018 Annual Report on Form 10-K.

Reconciliation of Level 3 Fair Value Measurements

The following reconciles the beginning and ending balances of assets and liabilities that are measured at fair value by class on a recurring basis using Level 3 inputs:

	Level 3 Instruments
	Three Months Ended
	March 31, 2019					March 31, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips			Private equity investments		Ag loan svcg and int-only strips
Balance at beginning of period	$	102	$	18		$	95	$	18
Securities gains (losses), net	1		—			—		—
Other noninterest income	—		(1		)	—		—
Purchases	4		—			5		—
Balance at end of period	$	107	$	17		$	100	$	18

The reconciliation of Level 3 instruments does not include any realized gains and losses in the statement of income during the three months endedMarch 31, 2019 and 2018.

Nonrecurring Fair Value Measurements

Included in the balance sheet amounts are the following amounts of assets that had fair value changes measured on a nonrecurring basis.

(In millions)	Fair value at March 31, 2019								Fair value at December 31, 2018
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	1
Impaired loans	—		2		—		2		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	3	$	—	$	3	$	—	$	32	$	1	$	33

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In millions)	Three Months Ended March 31,
	2019			2018
ASSETS
Private equity investments	$	—		$	—
Impaired loans	(4		)	(4		)
Other real estate owned	—			(1		)
Total	$	(4	)	$	(5	)

During the three months endedMarch 31, we recognized less than $1 million of net gains in 2019 and 2018 from the sale of OREO properties that had a carrying value, at the time of sale, of approximately $1 million during these same periods. Prior to their sale, we recognized an insignificant amount of impairment on these properties during the three months endedMarch 31, 2019 and 2018.

Private equity investments carried at cost were measured at fair value for impairment purposes according to the methodology previously discussed for these investments. Amounts of PEIs carried at cost were $10 million at March 31, 2019 and December 31, 2018. Amounts of other noninterest-bearing investments carried at cost were $272 million at March 31, 2019 and $329 million at December 31, 2018, which were comprised of Federal Reserve and Federal Home Loan Bank (“FHLB”) stock. Private equity investments accounted for using the equity method were $36 million at March 31, 2019 and $35 million at December 31, 2018.

Impaired (or nonperforming) loans that are collateral-dependent were measured at fair value based on the fair value of the collateral. OREO was measured initially at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value. For additional information regarding the measurement of fair value for impaired loans, collateral-dependent loans, and OREO, see Note 3 of our 2018 Annual Report on Form 10-K.

Fair Value of Certain Financial Instruments

Following is a summary of the carrying values and estimated fair values of certain financial instruments:

	March 31, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	764	$	762	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	47,178		46,197		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,928		4,921		2	4,336		4,319		2
Long-term debt	1,228		1,240		2	724		727		2

This summary excludes financial assets and liabilities for which carrying value approximates fair value and financial instruments that are recorded at fair value on a recurring basis. For additional information regarding the financial instruments within the scope of this disclosure, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2018 Annual Report on Form 10-K.

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Offsetting Assets and Liabilities (Notes)

3 Months Ended

Mar. 31, 2019

Offsetting Assets and Liabilities [Abstract]

Cash, Cash Equivalents, and Short-term Investments [Text Block]

OFFSETTING ASSETS AND LIABILITIES

Gross and net information for selected financial instruments in the balance sheet is as follows:

	March 31, 2019
(In millions)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	739	$	(301	)	$	438	$	—		$	—		$	438
Derivatives (included in other assets)	82		—			82		(21		)	(5		)	56
Total assets	$	821	$	(301	)	$	520	$	(21	)	$	(5	)	$	494
Liabilities:
Federal funds and other short-term borrowings	$	5,245	$	(301	)	$	4,944	$	—		$	—		$	4,944
Derivatives (included in other liabilities)	25		—			25		(21		)	—			4
Total Liabilities	$	5,270	$	(301	)	$	4,969	$	(21	)	$	—		$	4,948

	December 31, 2018
(In millions)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,461	$	—	$	1,461	$	—		$	—		$	1,461
Derivatives (included in other assets)	45		—		45		(35		)	(3		)	7
Total assets	$	1506	$	—	$	1506	$	(35	)	$	(3	)	$	1468
Liabilities:
Federal funds and other short-term borrowings	$	5,653	$	—	$	5,653	$	—		$	—		$	5,653
Derivatives (included in other liabilities)	39		—		39		(35		)	(1		)	3
Total Liabilities	$	5,692	$	—	$	5,692	$	(35	)	$	(1	)	$	5,656

Security repurchase and reverse repurchase (“resell”) agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in the Bank’s balance sheet. See Note 7 for further information regarding derivative instruments.

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Investment Securities

3 Months Ended

Mar. 31, 2019

Investments [Abstract]

Investment Securities

INVESTMENTS

Investment Securities

Securities are classified as HTM, AFS or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. AFS securities are carried at fair value and unrealized gains and losses, after applicable taxes, are recorded as net increases or decreases to accumulated other comprehensive income (“AOCI”). Realized gains and losses on AFS securities are determined by using the cost basis of each individual security. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The purchase premiums for callable debt securities classified as HTM or AFS are amortized at a constant effective yield to the earliest call date. The purchase premiums and discounts for all other HTM and AFS securities are amortized and accreted at a constant effective yield to the contractual maturity date and no assumption is made concerning prepayments. As principal prepayments occur, the portion of the unamortized premium or discount associated with the principal reduction is recognized in interest income in the period the principal is reduced. Note 3 of our 2018 Annual Report on Form 10-K discusses the process to estimate fair value for investment securities.

	March 31, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	764	$	4	$	6	$	762
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,407		2		11		1,398
Agency guaranteed mortgage-backed securities	10,384		36		136		10,284
Small Business Administration loan-backed securities	1,919		1		43		1,877
Municipal securities	1,270		16		3		1,283
Other debt securities	25		—		3		22
Total available-for-sale	15,045		55		196		14,904
Total investment securities	$	15,809	$	59	$	202	$	15,666

	December 31, 2018
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	774	$	4	$	11	$	767
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,394		—		19		1,375
Agency guaranteed mortgage-backed securities	10,236		18		240		10,014
Small Business Administration loan-backed securities	2,042		1		47		1,996
Municipal securities	1,303		4		16		1,291
Other debt securities	25		—		4		21
Total available-for-sale debt securities	15,040		23		326		14,737
Total investment securities	$	15,814	$	27	$	337	$	15,504

Maturities

The amortized cost and estimated fair value of investment debt securities are shown subsequently as of March 31, 2019, by expected timing of principal payments. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

	March 31, 2019
	Held-to-maturity				Available-for-sale
(In millions)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Due in one year or less	$	252	$	252	$	2,147	$	2,125
Due after one year through five years	329		328		5,984		5,928
Due after five years through ten years	132		132		4,441		4,406
Due after ten years	51		50		2,473		2,445
Total debt investment securities	$	764	$	762	$	15,045	$	14,904

The following is a summary of the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position:

	March 31, 2019
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	—	$	24	$	6	$	415	$	6	$	439
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		46		11		994		11		1,040
Agency guaranteed mortgage-backed securities	2		270		134		6,799		136		7,069
Small Business Administration loan-backed securities	13		876		30		898		43		1,774
Municipal securities	—		40		3		458		3		498
Other	—		—		3		12		3		12
Total available-for-sale	15		1,232		181		9,161		196		10,393
Total investment securities	$	15	$	1,256	$	187	$	9,576	$	202	$	10,832

	December 31, 2018
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	1	$	86	$	10	$	438	$	11	$	524
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2		245		17		913		19		1,158
Agency guaranteed mortgage-backed securities	16		1,081		224		6,661		240		7,742
Small Business Administration loan-backed securities	19		1,180		28		711		47		1,891
Municipal securities	2		266		14		641		16		907
Other	—		—		4		11		4		11
Total available-for-sale	39		2,772		287		8,937		326		11,709
Total investment securities	$	40	$	2,858	$	297	$	9,375	$	337	$	12,233

At March 31, 2019 and December 31, 2018, respectively, 464 and 606 HTM and 1,891 and 2,588 AFS investment securities were in an unrealized loss position.

Other-Than-Temporary Impairment

The Bank did not recognize any OTTI on its investment securities portfolio during the first three months of 2019. We review investment securities on a quarterly basis for the presence of OTTI. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At March 31, 2019, we did not have an intent to sell identified securities with unrealized losses or initiate such sales, and we believe it is not more likely than not we would be required to sell such securities before recovery of their amortized cost basis. For additional information on our policy and evaluation process relating to OTTI, see Note 5 of our 2018 Annual Report on Form 10-K.

The following summarizes gains and losses that were recognized in the statement of income:

	Three Months Ended March 31,
	2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses
Investment securities:
Other noninterest-bearing investments	$	4	$	3	$	1	$	1
Net gains 1			$	1			$	—

¹ Net gains were recognized in securities gains (losses), net in the statement of income.

Interest income by security type is as follows:

	Three Months Ended March 31,
(In millions)	2019						2018
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	2	$	4	$	6
Available-for-sale	83		6		89		73		6		79
Trading	—		1		1		—		1		1
Total securities	$	85	$	11	$	96	$	75	$	11	$	86

Investment securities with a carrying value of $3.1 billion at March 31, 2019 and$2.6 billionatDecember 31, 2018, respectively, were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

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Loans And Allowance For Credit Losses

3 Months Ended

Mar. 31, 2019

Loans And Allowance For Credit Losses [Abstract]

Loans And Allowance For Credit Losses

LOANS AND ALLOWANCE FOR CREDIT LOSSES

Loans and Loans Held for Sale

Loans are summarized as follows according to major portfolio segment and specific loan class:

(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	69	$	93
Commercial:
Commercial and industrial	$	14,758	$	14,513
Leasing	312		327
Owner-occupied	7,754		7,661
Municipal	1,774		1,661
Total commercial	24,598		24,162
Commercial real estate:
Construction and land development	2,343		2,186
Term	9,187		8,939
Total commercial real estate	11,530		11,125
Consumer:
Home equity credit line	2,884		2,937
1-4 family residential	7,294		7,176
Construction and other consumer real estate	636		643
Bankcard and other revolving plans	489		491
Other	175		180
Total consumer	11,478		11,427
Total loans 1	$	47,606	$	46,714

¹Loans are presented net of unearned income, unamortized purchase premiums and discounts, and net deferred loan fees and costs totaling $51 million and $50 million at March 31, 2019 and December 31, 2018, respectively.

Municipal loans generally include loans to state and local governments (“municipalities”) with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment.

Land acquisition and development loans included in the construction and land development loan portfolio were $231 million at March 31, 2019 and $237 million at December 31, 2018.

Loans with a carrying value of approximately $23.4 billion at March 31, 2019 and $22.6 billion at December 31, 2018 have been pledged at the Federal Reserve or the FHLB of Des Moines as collateral for current and potential borrowings.

We sold loans totaling $118 million and $106 million for the three months endedMarch 31, 2019 and 2018, respectively, that were classified as loans held for sale. The sold loans were derecognized from the balance sheet. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of Small Business Administration (“SBA”) loans. The loans are mainly sold to U.S. government agencies or participated to third parties. At times, we have continuing involvement in the transferred loans in the form of servicing rights or a guarantee from the respective issuer. Amounts added to loans held for sale during these same periods was $93 million and $165 million, respectively. See Note 5 for further information regarding guaranteed securities.

The principal balance of sold loans for which we retain servicing was approximately $2.2 billion at both March 31, 2019 and December 31, 2018. Income from loans sold, excluding servicing, was $2 million and $3 million for the three months endedMarch 31, 2019 and 2018, respectively.

Allowance for Credit Losses

The allowance for credit losses (“ACL”) consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”). The ALLL represents our estimate of probable and estimable losses inherent in the loan and lease portfolio as of the balance sheet date. We also estimate a reserve for potential losses associated with off-balance sheet commitments, including standby letters of credit. We determine the RULC using the same procedures and methodologies that we use for the ALLL.

For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2018 Annual Report on Form 10-K.

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2019
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	331		$	110		$	54	$	495
Provision for loan losses	(1		)	1			2		2
Deductions:
Gross loan and lease charge-offs	8			1			3		12
Recoveries	6			3			3		12
Net loan and lease charge-offs (recoveries)	2			(2		)	—		—
Balance at end of period	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments
Balance at beginning of period	$	40		$	17		$	—	$	57
Provision for unfunded lending commitments	2			—			—		2
Balance at end of period	$	42		$	17		$	—	$	59
Total allowance for credit losses at end of period
Allowance for loan losses	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments	42			17			—		59
Total allowance for credit losses	$	370		$	130		$	56	$	556

	Three Months Ended March 31, 2018
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	371		$	103		$	44	$	518
Provision for loan losses	(40		)	(1		)	1		(40		)
Gross loan and lease charge-offs	20			—			6		26
Recoveries	18			2			1		21
Net loan and lease charge-offs (recoveries)	2			(2		)	5		5
Balance at end of period	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments
Balance at beginning of period	$	48		$	10		$	—	$	58
Provision for unfunded lending commitments	(8		)	1			—		(7		)
Balance at end of period	$	40		$	11		$	—	$	51
Total allowance for credit losses at end of period
Allowance for loan losses	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments	40			11			—		51
Total allowance for credit losses	$	369		$	115		$	40	$	524

The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:
	March 31, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	322		112		54		488
Total	$	328	$	113	$	56	$	497
Outstanding loan balances:
Individually evaluated for impairment	$	148	$	50	$	70	$	268
Collectively evaluated for impairment	24,450		11,480		11,408		47,338
Total	$	24,598	$	11,530	$	11,478	$	47,606

	December 31, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	325		109		52		486
Total	$	331	$	110	$	54	$	495
Outstanding loan balances:
Individually evaluated for impairment	$	164	$	55	$	72	$	291
Collectively evaluated for impairment	23,998		11,070		11,355		46,423
Total	$	24,162	$	11,125	$	11,427	$	46,714

Nonaccrual and Past Due Loans

Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well secured and in the process of collection. For further discussion of our policies and processes regarding nonaccrual and past due loans, see Note 6 of our 2018 Annual Report on Form 10-K.

Nonaccrual loans are summarized as follows:
(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	72	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	143		152
Commercial real estate:
Construction and land development	1		—
Term	32		38
Total commercial real estate	33		38
Consumer:
Home equity credit line	11		13
1-4 family residential	45		42
Construction and other consumer real estate	2		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	58		56
Total	$	234	$	246

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2019
(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	$	69	$	—	$	—	$	—	$	69	$	—	$	—
Commercial:
Commercial and industrial	$	14,646	$	86	$	26	$	112	$	14,758	$	4	$	43
Leasing	311		—		1		1		312		—		1
Owner-occupied	7,702		33		19		52		7,754		1		45
Municipal	1,774		—		—		—		1,774		—		1
Total commercial	24,433		119		46		165		24,598		5		90
Commercial real estate:
Construction and land development	2,333		9		1		10		2,343		1		—
Term	9,164		17		6		23		9,187		1		24
Total commercial real estate	11,497		26		7		33		11,530		2		24
Consumer:
Home equity credit line	2,875		5		4		9		2,884		—		5
1-4 family residential	7,260		13		21		34		7,294		—		17
Construction and other consumer real estate	636		—		—		—		636		—		2
Bankcard and other revolving plans	485		3		1		4		489		1		—
Other	174		1		—		1		175		—		—
Total consumer loans	11,430		22		26		48		11,478		1		24
Total	$	47,360	$	167	$	79	$	246	$	47,606	$	8	$	138

	December 31, 2018
(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	$	89	$	—	$	4	$	4	$	93	$	—	$	2
Commercial:
Commercial and industrial	$	14,445	$	37	$	31	$	68	$	14,513	$	4	$	46
Leasing	325		1		1		2		327		—		1
Owner-occupied	7,621		23		17		40		7,661		3		48
Municipal	1,661		—		—		—		1,661		—		1
Total commercial	24,052		61		49		110		24,162		7		96
Commercial real estate:
Construction and land development	2,185		1		—		1		2,186		—		—
Term	8,924		4		11		15		8,939		1		26
Total commercial real estate	11,109		5		11		16		11,125		1		26
Consumer:
Home equity credit line	2,927		4		6		10		2,937		—		4
1-4 family residential	7,143		15		18		33		7,176		—		19
Construction and other consumer real estate	642		1		—		1		643		—		—
Bankcard and other revolving plans	487		2		2		4		491		2		—
Other	179		1		—		1		180		—		—
Total consumer loans	11,378		23		26		49		11,427		2		23
Total	$	46,539	$	89	$	86	$	175	$	46,714	$	10	$	145

¹  Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

Credit Quality Indicators

In addition to the past due and nonaccrual criteria, we also analyze loans using loan risk-grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades assigned to loans follow our definitions of Pass, Special Mention, Sub-standard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. For further discussion of our policies and processes regarding credit quality indicators and internal loan risk-grading, see Note 6 of our 2018 Annual Report on Form 10-K.

Outstanding loan balances (accruing and nonaccruing) categorized by these credit quality classifications are summarized as follows:

	March 31, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,047	$	389	$	322	$	—	$	14,758
Leasing	299		10		3		—		312
Owner-occupied	7,448		82		224		—		7,754
Municipal	1,745		2		27		—		1,774
Total commercial	23,539		483		576		—		24,598		$	328
Commercial real estate:
Construction and land development	2,334		—		9		—		2,343
Term	9,080		34		73		—		9,187
Total commercial real estate	11,414		34		82		—		11,530		113
Consumer:
Home equity credit line	2,868		—		16		—		2,884
1-4 family residential	7,245		—		49		—		7,294
Construction and other consumer real estate	633		—		3		—		636
Bankcard and other revolving plans	487		—		2		—		489
Other	174		—		1		—		175
Total consumer loans	11,407		—		71		—		11,478		56
Total	$	46,360	$	517	$	729	$	—	$	47,606	$	497

	December 31, 2018
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	13,891	$	322	$	300	$	—	$	14,513
Leasing	313		10		4		—		327
Owner-occupied	7,369		72		220		—		7,661
Municipal	1,632		2		27		—		1,661
Total commercial	23,205		406		551		—		24,162		$	331
Commercial real estate:
Construction and land development	2,174		11		1		—		2,186
Term	8,853		10		76		—		8,939
Total commercial real estate	11,027		21		77		—		11,125		110
Consumer:
Home equity credit line	2,920		—		17		—		2,937
1-4 family residential	7,129		—		47		—		7,176
Construction and other consumer real estate	641		—		2		—		643
Bankcard and other revolving plans	488		—		3		—		491
Other	179		—		1		—		180
Total consumer loans	11,357		—		70		—		11,427		54
Total	$	45,589	$	427	$	698	$	—	$	46,714	$	495

Impaired Loans

Loans are considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the contractual terms of the loan agreement, including scheduled interest payments. Payments received on impaired loans that are accruing are recognized in interest income, according to the contractual loan agreement. Payments received on impaired loans that are on nonaccrual are not recognized in interest income, but are applied as a reduction to the principal outstanding. The amount of interest income recognized on a cash basis during the time the loans were impaired within the three months ended March 31, 2019 and 2018 was not significant. For additional information regarding our policies and methodologies used to evaluate impaired loans, see Note 6 of our 2018 Annual Report on Form 10-K.

Information on impaired loans individually evaluated is summarized as follows, including the average recorded investment and interest income recognized for the three months endedMarch 31, 2019 and 2018:

	March 31, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	99	$	35	$	44	$	79	$	5
Owner-occupied	56		42		11		53		1
Municipal	1		1		—		1		—
Total commercial	156		78		55		133		6
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	39		33		2		35		—
Total commercial real estate	39		33		2		35		—
Consumer:
Home equity credit line	15		12		3		15		—
1-4 family residential	63		30		23		53		2
Construction and other consumer real estate	2		—		2		2		—
Other	—		—		—		—		—
Total consumer loans	80		42		28		70		2
Total	$	275	$	153	$	85	$	238	$	8

	December 31, 2018
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	112	$	52	$	36	$	88	$	4
Owner-occupied	67		31		29		60		2
Municipal	1		1		—		1		—
Total commercial	180		84		65		149		6
Commercial real estate:
Construction and land development	1		—		—		—		—
Term	44		37		3		40		—
Total commercial real estate	45		37		3		40		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	69		32		25		57		2
Construction and other consumer real estate	1		1		—		1		—
Other	—		—		—		—		—
Total consumer loans	85		45		27		72		2
Total	$	310	$	166	$	95	$	261	$	8

	Three Months Ended March 31, 2019				Three Months Ended March 31, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	83	$	1	$	148	$	—
Owner-occupied	60		—		91		8
Municipal	1		—		1		—
Total commercial	144		1		240		8
Commercial real estate:
Construction and land development	—		—		5		—
Term	35		—		57		—
Total commercial real estate	35		—		62		—
Consumer:
Home equity credit line	14		—		20		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	2		—		2		—
Other	—		—		—		—
Total consumer loans	71		—		77		—
Total	$	250	$	1	$	379	$	8

Modified and Restructured Loans

Loans may be modified in the normal course of business for competitive reasons or to strengthen the Bank’s position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which the Bank has granted a concession that it would not otherwise consider, are considered troubled debt restructurings (“TDRs”). For further discussion of our policies and processes regarding TDRs, see Note 6 of our 2018 Annual Report on Form 10-K.

Selected information on TDRs that includes the recorded investment on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules:

	March 31, 2019
	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	$	4	$	—	$	—	$	14	$	6	$	26
Owner-occupied	4		1		—		—		3		7		15
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		13		41
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		5		9
Total commercial real estate	1		2		—		1		—		5		9
Consumer:
Home equity credit line	—		1		9		—		—		2		12
1-4 family residential	1		1		6		1		1		25		35
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		3		15		1		1		27		48
Total accruing	8		10		15		2		18		45		98
Nonaccruing
Commercial:
Commercial and industrial	1		4		—		1		2		24		32
Owner-occupied	6		—		—		—		1		6		13
Municipal	—		—		—		—		—		1		1
Total commercial	7		4		—		1		3		31		46
Commercial real estate:
Term	3		—		—		2		3		12		20
Total commercial real estate	3		—		—		2		3		12		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		4		2		3		7		50		76
Total	$	18	$	14	$	17	$	5	$	25	$	95	$	174

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, 2018
	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	$	4	$	—	$	—	$	15	$	7	$	28
Owner-occupied	3		2		—		—		2		14		21
Total commercial	5		6		—		—		17		21		49
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	2		2		—		1		—		6		11
Total commercial real estate	2		2		—		1		—		6		11
Consumer:
Home equity credit line	—		1		8		—		—		3		12
1-4 family residential	1		2		6		1		1		28		39
Construction and other consumer real estate	—		—		—		—		—		1		1
Total consumer loans	1		3		14		1		1		32		52
Total accruing	8		11		14		2		18		59		112
Nonaccruing
Commercial:
Commercial and industrial	1		6		—		1		10		27		45
Owner-occupied	6		—		—		1		2		5		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		2		12		33		60
Commercial real estate:
Term	3		—		—		2		14		1		20
Total commercial real estate	3		—		—		2		14		1		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		6		2		4		27		41		90
Total	$	18	$	17	$	16	$	6	$	45	$	100	$	202

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.

Unfunded lending commitments on TDRs amounted to approximately $11 million at both March 31, 2019 and December 31, 2018.

The total recorded investment of all TDRs in which interest rates were modified below market was $80 million at March 31, 2019 and $88 million at December 31, 2018. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types.

The net financial impact on interest income due to interest rate modifications below market for accruing TDRs for the three months endedMarch 31, 2019 and 2018 was not significant.

On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans.

The recorded investment of accruing and nonaccruing TDRs that had a payment default during the period listed below (and are still in default at period end) and are within 12 months or less of being modified as TDRs is as follows:

	Three Months Ended March 31, 2019						Three Months Ended March 31, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	1	$	1
Owner-occupied	—		—		—		—		1		1
Total commercial	—		3		3		—		2		2
Commercial real estate:
Term	—		2		2		—		—		—
Total commercial real estate	—		2		2		—		—		—
Total	$	—	$	5	$	5	$	—	$	2	$	2

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2019 and 2018 were $73 million and $111 million, respectively.

At March 31, 2019 and December 31, 2018, the amount of foreclosed residential real estate property held by the Bank was approximately $1 million and $2 million, and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was approximately $9 million and $10 million, respectively.

Concentrations of Credit Risk

Credit risk is the possibility of loss from the failure of a borrower, guarantor, or another obligor to fully perform under the terms of a credit-related contract. We perform an ongoing analysis of our loan portfolio to evaluate whether there is any significant exposure to any concentrations of credit risk. See Note 6 of our 2018 Annual Report on Form 10-K for further discussion of our evaluation of credit risk concentrations. See also Note 7 of our 2018 Annual Report on Form 10-K for a discussion of counterparty risk associated with the Bank’s derivative transactions.

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Derivative Instruments And Hedging Activities

3 Months Ended

Mar. 31, 2019

Summary of Derivative Instruments [Abstract]

Derivative Instruments And Hedging Activities

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Objectives and Accounting

The Bank is exposed to certain risks arising from both its business operations and economic conditions. Our objectives in using derivatives are to add stability to interest income or expense, to modify the duration of specific assets or liabilities as we consider advisable, to manage exposure to interest rate movements or other identified risks, and/or to directly offset derivatives sold to our customers. For a detailed discussion of the use of and accounting policies regarding derivative instruments, see Note 7 of our 2018 Annual Report on Form 10-K.

Fair Value Hedges – As of March 31, 2019, the Bank had designated $1 billion of interest rate swaps in two separate qualifying fair value hedge relationships. Each hedge has a notional amount of $500 million, with the first $500 million maturing in August of 2021 and the second $500 million maturing in February of 2022. The hedging instruments used are receive-fixed interest rate swaps designated as hedges of the change in fair value of the London Interbank Offered Rate (“LIBOR”) benchmark swap rate component of the contractual coupon cash flows of these notes. Both swaps are structured to match the critical terms of the hedged notes, resulting in the expectation that the swaps will be highly effective as hedging instruments. The first swap has a rate of 3.50%, while the second swap, which was added during the first quarter of 2019, has a receive-fixed rate of 3.35%, making the average received-fixed strike rate 3.43% for all existing fair value hedges designated at the balance sheet date.

The Bank fully amortized all debt basis adjustments from previously designed fair value hedges prior to 2018 so there is no scheduled amortization for previously terminated fair value hedges that will impact the Bank’s financial statements for the foreseeable future.

Cash Flow Hedges – During the first quarter of 2019, the Bank had two receive-fixed interest rate swaps that were designated as cash flow hedges mature. The Bank layered on an additional seven swaps in its cash flow hedge portfolio as part of its efforts to reduce asset-sensitivity and exposure to potential net interest income and margin compression in a down interest rate environment scenario. The seven additional swaps designated as cash flow hedges ranged from three to five years in tenor and increased the Bank’s overall swap notional designation in qualifying cash flow hedges of commercial loans from approximately $700 million as of December 31, 2018, to approximately $1.3 billion as of March 31, 2019. The Bank’s overall cash flow hedge swap portfolio as of the balance sheet date has a weighted-average maturity date of 2.7 years and a weighted average received-fixed strike rate of 2.08%, with a total of 22 active swaps and an additional five swaps maturing during 2019 with an aggregate notional of $150 million.

Additionally, during the first quarter of 2019, the Bank expanded its existing cash flow hedging program by introducing purchased floors as hedging instruments of its commercial loan portfolio. In total the Bank purchased $3 billion of floors with strike rates at 1.5% on one-month Intercontinental Exchange LIBOR. The $3 billion floors are composed of six individual purchased floors, all with a notional of $500 million and a tenor of approximately three years. Floors purchased were spread across the entire first quarter of 2019 and had an aggregate purchase premium of $7 million, and by March 31, 2019, the floor had increased in value to approximately $9 million dollars. The premium is amortized on a straight-line basis over the life of the derivative with changes in fair value deferred in other comprehensive income (“OCI”) as long as the hedging relationship remains highly effective and qualifies for hedge accounting. Amounts deferred in OCI are reclassified into earning in the periods in which the hedged forecasted transactions effect earnings.

Collateral and Credit Risk

Exposure to credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. For a more detailed discussion of collateral and credit risk related to our derivative contracts, see Note 7 of our 2018 Annual Report on Form 10-K.

Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At March 31, 2019, the fair value of our derivative liabilities was $25 million, for which we were required to pledge cash collateral of approximately $50 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s (“S&P”) or Moody’s at March 31, 2019, there would likely be $1 million additional collateral required to be pledged. As a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”), all newly eligible derivatives entered into are cleared through a central clearinghouse. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded.

Derivative Amounts

Selected information with respect to notional amounts and recorded gross fair values at March 31, 2019 and December 31, 2018, and the related gain (loss) of derivative instruments for the three months endedMarch 31, 2019 and 2018 is summarized as follows:

	March 31, 2019						December 31, 2018
	Notional amount		Fair value				Notional amount		Fair value
(In millions)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments:
Cash flow hedges:
Purchased interest rate floors	$	3,000	$	9	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,338		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	5,338		9		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives	3,035		69		22		2,826		40		36
Offsetting interest rate derivatives	3,035		—		—		2,826		—		—
Other interest rate derivatives	449		1		1		253		1		1
Foreign exchange derivatives	367		3		2		389		4		2
Total derivatives not designated as hedging instruments	6,886		73		25		6,294		45		39
Total derivatives	$	12,224	$	82	$	25	$	7,481	$	45	$	39

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended March 31, 2019									Three Months Ended March 31, 2018
(In millions)	OCI		Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense		OCI			Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	3	$	—						$	(5	)	$	—
Interest rate swaps	8		2
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps								$	—									$	—
Total derivatives designated as hedging instruments	11		2					—		(5		)	—					—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives					$	(41	)								$	45
Offsetting interest rate derivatives					44										(38		)
Other interest rate derivatives					—										(2		)
Foreign exchange derivatives					5										5
Total derivatives not designated as hedging instruments					8										10
Total derivatives	$	11	$	2	$	8		$	—	$	(5	)	$	—	$	10		$	—

Note: These schedules are not intended to present at any given time the Bank’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following March 31, 2019, we estimate that $(7) million will be reclassified from AOCI into interest income

The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented.

	Gain/(loss) recorded in income
	Three Months Ended March 31, 2019							Three Months Ended March 31, 2018
(In millions)	Derivatives2		Hedged items			Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	6	$	(6	)	$	—	$	—	$	—	$	—

¹  Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt. Gains and losses were recorded in net interest income.

² The income for the derivative does not reflect interest income/expense to be consistent with the presentation of the gains/ (losses) on the hedged items.

The following schedule provides selected information regarding the long-term debt in the statement of financial position in which the hedged item is included.

	Carrying amount of the hedged assets/(liabilities)						Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities)
(In millions)	March 31, 2019			December 31, 2018			March 31, 2019			December 31, 2018
Long-term debt	$	(1,010	)	$	(505	)	$	(10	)	$	(5	)

The fair value of derivative assets was reduced by a net credit valuation adjustment of $6 million and $1 million at March 31, 2019 and 2018, respectively. The adjustment for derivative liabilities was a decrease of less than $1 million at March 31, 2019 and $1 million at March 31, 2018. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

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Leases Leases

3 Months Ended

Mar. 31, 2019

Leases [Abstract]

Lessee, Operating Leases [Text Block]

LEASES

Leases

In February 2016, the FASB issued ASU 2016-02, Leases (“Topic 842”), to increase transparency and comparability among organizations by requiring the recognition of right-of-use assets and lease liabilities on the balance sheet. Most prominent among the changes in the standard is the recognition of right-of-use (“ROU”) assets and lease liabilities by lessees for those leases classified as operating leases. Under the standard, disclosures are required to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases.

Upon adoption the Bank has elected to use the following optional exemptions that are permitted under Topic 842, which have been applied consistently:

• the Bank elected the optional transition method and recorded an immaterial cumulative-effect adjustment to retained earnings to recognize the appropriate amount of lease assets and liabilities on the balance sheet as of the adoption date of the standard. Prior period financial statements were not restated.

• the Bank elected the expedient package to not reassess (1) whether any existing or expired contracts are or contain leases, (2) lease classification for any existing or expired leases, and (3) initial direct costs for any existing leases.

• the Bank elected to not separate lease components from non-lease components for all classes of underlying assets for lessee or lessor transactions.

We determine if a contract is a lease or contains a lease at inception. The right to use leased assets for the lease term are considered ROU assets. Operating lease assets are included in “Other assets” while finance lease assets are included in “Premises, equipment and software, net.” Lease liabilities for operating leases are included in “Other liabilities” while finance leases are included in “Long-term debt” on our consolidated balance sheet.

Lease ROU assets and operating lease liabilities are recognized based on the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the commencement date in determining the present value of future payments. The lease ROU asset also incorporates any amortization incurred, including initial direct costs, and excludes lease incentives received. Our lease terms may include options to extend or terminate the lease, and the lease term incorporates these when it is reasonably certain that we will exercise these options. The Bank enters into certain lease agreements with both lease and non-lease components, which are not separated out for lessees and lessors on a relative standalone basis.

We have operating and finance leases for branches, corporate offices, and data centers. Our equipment leases are not material. At March 31, 2019, we had 433 branches, of which 276 are owned and 157 are leased. We lease our headquarters in Salt Lake City, Utah, and other office or data centers are either owned or leased.

The Bank may enter into certain lease arrangements with a term of 12 months or less, and it has elected to exclude these from capitalization. The length of our commitments for leases ranges from 2019 to 2062, some of which include options to extend or terminate the leases.

As of March 31, 2019, assets recorded under operating leases were $244 million, while assets recorded under finance leases were less than $1 million. We utilized a secured incremental borrowing rate based on the remaining term of the lease as of the effective date for the discount rate to determine our lease ROU assets and liabilities. The following schedule presents lease-related assets, their weighted average remaining life, and the weighted average discount rate.

(Dollar amounts in millions)	March 31, 2019
Operating
Operating right-of-use assets	$	244
Operating lease liabilities	252
Weighted average remaining lease term (years)
Operating leases	9.4
Finance leases	1.1
Weighted average discount rate
Operating leases	3.2		%
Finance leases	13.1		%

The components of lease expense are as follows:

(In millions)	Three Months Ended March 31, 2019
Operating lease costs	$	12
Variable lease costs	13
Total lease cost	$	25

Supplemental cash flow information related to leases is as follows:

(In millions)	Three Months Ended March 31, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	10

Maturities analysis for lease liabilities as of March 31, 2019 is as follows (undiscounted lease payments):

(In millions)
2019 1	$	41
2020	45
2021	39
2022	35
2023	31
Thereafter	114
Total	$	305

¹Contractual maturities for the nine months remaining in 2019.

The Bank enters into certain lease agreements where it is the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which the Bank occupies portions of the building. Operating lease income was $2 million and $3 million for the first three months of 2019 and 2018, respectively. Maturities analysis of operating lease payments to be received as of March 31, 2019 is as follows:

(In millions)
2019 1	$	6
2020	8
2021	8
2022	7
2023	7
Thereafter	25
Total	$	61

¹Contractual maturities for the nine months remaining in 2019.

The Bank also has a lending division that makes equipment leases, considered to be sales-type leases or direct financing leases, totaling $312 million and $371 million as of March 31, 2019 and 2018, respectively. The Bank uses leasing of equipment as a venue for customers to access equipment without purchasing upfront. For the first quarters of 2019 and 2018, the Bank recorded income of $4 million and $3 million on these leases.

Lessor, Operating Lease, Payments to be Received, Maturity [Table Text Block]

(In millions)
2019 1	$	6
2020	8
2021	8
2022	7
2023	7
Thereafter	25
Total	$	61

¹Contractual maturities for the nine months remaining in 2019.

Lessee, Operating Lease, Assumptions and Judgments, Discount Rate, Description

(Dollar amounts in millions)	March 31, 2019
Operating
Operating right-of-use assets	$	244
Operating lease liabilities	252
Weighted average remaining lease term (years)
Operating leases	9.4
Finance leases	1.1
Weighted average discount rate
Operating leases	3.2		%
Finance leases	13.1		%

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Debt And Shareholders' Equity

3 Months Ended

Mar. 31, 2019

Capitalization, Long-term Debt and Equity [Abstract]

Debt And Shareholders' Equity

LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY

Long-Term Debt

Long-term debt is summarized as follows:

(In millions)	March 31, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,141		637
Total	$	1,228	$	724

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount or unamortized debt issuance costs as well as valuation adjustments for fair value swaps. During the first quarter of 2019, the Bank issued a $500 million senior note with an interest rate of 3.35% and a maturity date of March 4, 2022.

Common Stock and Common Stock Warrants

The Bank’s common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. As of March 31, 2019, there were 182.5 million shares of 0.001 par value common stock outstanding. As of March 31, 2019, 29.3 million common stock warrants (NASDAQ: ZIONW), with an exercise price of $34.61, were outstanding, and each common stock warrant was convertible into 1.06 shares. These warrants expire on May 22, 2020.

Repurchases of Bank Common Stock

During the first quarter of 2019, we continued our common stock buyback program and repurchased 5.5 million shares of common stock outstanding with a fair value of $275 million at an average price of $50.03 per share. During the first quarter of 2018, we repurchased 2.2 million shares of common stock outstanding with a fair value of $115 million, at an average price of $53.46 per share. In April 2019, the Bank announced that the Board approved a plan to repurchase $275 million of common stock during the second quarter of 2019.

Accumulated Other Comprehensive Income

Accumulated other comprehensive income (loss) was $(122) million at March 31, 2019 compared with $(250) million at December 31, 2018. Changes in AOCI by component are as follows:

(In millions)	Net unrealized gains (losses) on investment securities			Net unrealized gains (losses) on derivatives and other			Pension and post-retirement			Total
Three Months Ended March 31, 2019
Balance at December 31, 2018	$	(228	)	$	(1	)	$	(21	)	$	(250	)
OCI before reclassifications, net of tax	122			5			—			127
Amounts reclassified from AOCI, net of tax	—			1			—			1
OCI	122			6			—			128
Balance at March 31, 2019	$	(106	)	$	5		$	(21	)	$	(122	)
Income tax expense included in OCI	$	40		$	2		$	—		$	42
Three Months Ended March 31, 2018
Balance at December 31, 2017	$	(114	)	$	(2	)	$	(23	)	$	(139	)
OCI (loss) before reclassifications, net of tax	(126		)	(2		)	—			(128		)
Amounts reclassified from AOCI, net of tax	—			—			—			—
OCI (loss)	(126		)	(2		)	—			(128		)
Balance at March 31, 2018	$	(240	)	$	(4	)	$	(23	)	$	(267	)
Income tax benefit included in OCI	$	(41	)	$	(1	)	$	—		$	(42	)

	Amounts reclassified from AOCI 1					Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended March 31,
Details about AOCI components	2019			2018			Affected line item
Net unrealized losses on derivative instruments	$	(1	)	$	—	SI	Interest and fees on loans
Income tax benefit	—			—
Amounts Reclassified from AOCI	$	(1	)	$	—

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets.

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Commitments, Guarantees, And Contingent Liabilities

3 Months Ended

Mar. 31, 2019

Guarantees, Commitments And Contingencies [Abstract]

Guarantees, Commitments And Contingencies

COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES

Commitments and Guarantees

Contractual amounts of off-balance sheet financial instruments used to meet the financing needs of our customers are as follows:

(In millions)	March 31, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	21,632	$	21,454
Standby letters of credit:
Financial	544		655
Performance	196		199
Commercial letters of credit	27		18
Total unfunded lending commitments	$	22,399	$	22,326

¹  Net of participations

The Bank’s 2018 Annual Report on Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At March 31, 2019, the Bank had recorded approximately $4 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $1 million attributable to the RULC and $3 million of deferred commitment fees.

Legal Matters

We are subject to litigation in court and arbitral proceedings, as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters.

As of March 31, 2019, we were subject to the following material litigation or governmental inquiries:

• a civil suit, Shou-En Wang v. CB&T, brought against us in the Superior Court for Los Angeles County, Central District in April 2016. The case relates to our depositor relationships with customers who were promoters of an investment program that allegedly misappropriated investors’ funds. Initial motion practice and discovery have been completed. Additional motion practice and expert witness phases are underway.

• a civil suit, McFarland as Trustee for International Manufacturing Group v. CB&T, et. al., brought against us in the United States Bankruptcy Court for the Eastern District of California in May 2016. The Trustee seeks to recover loan payments previously repaid to us by our customer, International Manufacturing Group (“IMG”), alleging that IMG, along with its principal, obtained loans and made loan repayments in furtherance of an alleged Ponzi scheme. Initial motion practice has been completed and discovery is underway.

• a civil suit, JTS Communities, Inc. et. al v. CB&T, Jun Enkoji and Dawn Satow, brought against us in the Superior Court for Sacramento County, California in June 2017. In this case four investors in IMG seek to hold us liable for losses arising from their investments in that company, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. This case is in an early phase with initial motion practice having been completed and discovery is underway.

• a civil class action lawsuit, Evans v. CB&T, brought against us in the United States District Court for the Eastern District of California in May 2017. This case was filed on behalf of a class of up to 50 investors in IMG and seeks to hold us liable for losses of class members arising from their investments in IMG, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. In December 2017, the District Court dismissed all claims against the Bank. In January 2018, the plaintiff filed an appeal with the Court of Appeals for the Ninth Circuit. The appeal was heard in early April 2019 and a ruling is anticipated in mid or late 2019.

• a Private Attorney General Act (“PAGA”) claim under California law, Lawson v. CB&T, brought against us in the Superior Court for the County of San Diego, California, in February 2016. In this case, the plaintiff alleges, on behalf of herself and other current or former employees of the Bank who worked in California on a non-exempt basis, violations by the Bank of California wage and hour laws. The case remains in the early stages of motion practice, to date mainly involving questions of venue and scope of employees covered by the PAGA claims. In March 2018, the Supreme Court of California granted review of an appeal from the intermediate appellate court decision requiring all aspects of the case to be heard in state court, rather than in arbitration. The appellate briefing process has been completed with a ruling anticipated in 2019.

• two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey Smith, et. al., brought against us in the United States District Court for the District of New Jersey in December 2017 and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al., brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank which filed for bankruptcy protection in 2017. The cases are in early phases, with initial motion practice and discovery underway in the Lifescan case.

• two civil class action lawsuits: Gregory, et. al. v. Zions Bancorporation and Springer, et. al. v. Zions Bancorporation, were brought against us in the United States District Court in Utah in January 2019 which have been consolidated into one case; and a separate civil action brought by a group of investors North Valley Partners, et. al. v. Zions Bancorporation, brought against us in the Third Judicial District Court for Salt Lake County, in March 2019. These cases were filed on behalf of investors in Rust Rare Coin, Inc. alleging that we aided and abetted a Ponzi scheme fraud perpetrated by Rust Rare Coin, a Zions Bank customer. The cases follow civil actions and the establishment of a receivership for Rust Rare Coin by The Commodities Futures Trading Commission and the Utah Division of Securities in November 2018, as well as a separate suit brought by the Securities and Exchange Commission against Rust Rare Coin and its principal, Gaylen Rust.

At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters.

In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available as of March 31, 2019, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 millionto roughly $50 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which a meaningful estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure.

Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period.

Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

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Revenue Recognition Revenue Recognition (Notes)

3 Months Ended

Mar. 31, 2019

Revenue Recognition and Deferred Revenue [Abstract]

Deferred Revenue, by Arrangement, Disclosure [Table Text Block]

REVENUE RECOGNITION

We derive our revenue primarily from interest income on loans and securities, which was more than three-quarters of our revenue in the first quarter of 2019. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For a discussion of the Bank’s revenue recognition from contracts, and the implementation of ASC 606, see Note 16 of our 2018 Annual Report on Form 10-K.

The following schedule provides the major income categories within “Other service charges, commissions and fees” that are in scope of ASC 606 for the three months endedMarch 31, 2019:

	Three Months Ended March 31,
(In millions)	2019		2018
Card fee income	$	34	$	33
ATM fees	2		2
Other service charges	3		4
Other commissions and fees	4		5
Total	$	43	$	44

Disaggregation of Revenue

We provide services across different geographical areas, primarily in 11 Western U.S. States, under banking operations that have their own individual brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. The operating segment listed as “Other” includes Zions Management Services Company, certain nonbank financial services subsidiaries, centralized back-office functions, and eliminations of transactions between the segments. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

The following schedule sets forth the noninterest income and net revenue by operating segments for the three months endedMarch 31, 2019 and 2018:

	Zions Bank						Amegy						CB&T
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	13		$	15		$	11		$	10		$	7		$	7
Other service charges, commissions, and fees	17			16			9			8			7			5
Wealth management and trust income	4			4			3			2			1			1
Capital markets and foreign exchange	1			1			(1		)	(2		)	1			1
Total noninterest income from contracts with customers (ASC 606)	35			36			22			18			16			14
Other noninterest income (Non-ASC 606 customer related)	(3		)	(2		)	13			12			4			4
Total customer-related fees	32			34			35			30			20			18
Other noninterest income (non-customer related)	1			1			(1		)	2			(1		)	3
Total noninterest income	33			35			34			32			19			21
Other real estate owned gain from sale	1			1			—			—			—			—
Net interest income	180			167			131			127			138			131
Total income less interest expense	$	214		$	203		$	165		$	159		$	157		$	152
	NBAZ						NSB						Vectra
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	3		$	3		$	4		$	4		$	2		$	2
Other service charges, commissions, and fees	3			2			3			3			2			3
Wealth management and trust income	—			1			1			1			—			—
Capital markets and foreign exchange	—			—			—			—			—			—
Total noninterest income from contracts with customers (ASC 606)	6			6			8			8			4			5
Other noninterest income (Non-ASC 606 customer related)	3			2			2			2			1			1
Total customer-related fees	9			8			10			10			5			6
Other noninterest income (non-customer related)	1			1			—			—			1			—
Total noninterest income	10			9			10			10			6			6
Other real estate owned gain from sale	—			—			—			—			—			—
Net interest income	60			53			40			35			36			32
Total income less interest expense	$	70		$	62		$	50		$	45		$	42		$	38
	TCBW						Other						Consolidated Bank
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	—		$	—		$	—		$	1		$	40		$	42
Other service charges, commissions, and fees	1			1			1			6			43			44
Wealth management and trust income	—			—			4			3			13			12
Capital markets and foreign exchange	—			—			2			3			3			3
Total noninterest income from contracts with customers (ASC 606)	1			1			7			13			99			101
Other noninterest income (Non-ASC 606 customer related)	—			—			1			3			21			22
Total customer-related fees	1			1			8			16			120			123
Other noninterest income (non-customer related)	—			—			11			8			12			15
Total noninterest income	1			1			19			24			132			138
Other real estate owned gain from sale	—			—			—			—			1			1
Net interest income	14			11			(23		)	(14		)	576			542
Total income less interest expense	$	15		$	12		$	(4	)	$	10		$	709		$	681

Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in Other Assets. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is typically not significant.

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Retirement Plans

3 Months Ended

Mar. 31, 2019

Defined Benefit Plan [Abstract]

Retirement Plans

RETIREMENT PLANS

The following discloses the net periodic benefit cost (credit) and its components for the Bank’s pension and other retirement plans:

(In millions)	Three Months Ended March 31,
	2019			2018
Interest cost	$	1		$	1
Expected return on plan assets	(2		)	(3		)
Partial settlement loss	—			1
Amortization of net actuarial loss	1			—
Net periodic benefit cost (benefit)	$	—		$	(1	)

As disclosed in our 2018 Annual Report on Form 10-K, the Bank has frozen its participation and benefit accruals for the pension plan and its contributions for individual benefit payments in the postretirement benefit plan. In October 2018, the Bank has decided to terminate its pension plan subject to obtaining necessary regulatory approval. Completion of this termination is expected in early 2020. Plan participant benefits will not be disadvantaged because of this decision.

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Income Taxes

3 Months Ended

Mar. 31, 2019

Income Tax Disclosure [Abstract]

Income Taxes

INCOME TAXES

The effective income tax rate of 22.3% for the first quarter of 2019 was slightly lower than the 2018first quarter rate of 22.7%. The income tax rates for 2019 and 2018 were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance, and were increased by the non-deductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation and other fringe benefits.

We had a net deferred tax asset (“DTA”) balance of $73 million at March 31, 2019, compared with $130 million at December 31, 2018. The decrease in the net DTA resulted primarily from the decrease of accrued compensation and unrealized losses in OCI related to securities. A reduction of net deferred tax liabilities related to leasing operations, including deferred items associated with the adoption of ASC 842, offset some of the overall decrease in DTA.

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Net Earnings per Common Share (Notes)

3 Months Ended

Mar. 31, 2019

Earnings Per Share [Abstract]

Earnings Per Share [Text Block]

NET EARNINGS PER COMMON SHARE

Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows:

	Three Months Ended March 31,
(In millions, except shares and per share amounts)	2019		2018
Basic:
Net income	$	213	$	238
Less common and preferred dividends	64		47
Undistributed earnings	149		191
Less undistributed earnings applicable to nonvested shares	1		1
Undistributed earnings applicable to common shares	148		190
Distributed earnings applicable to common shares	56		39
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Net earnings per common share	$	1.10	$	1.16
Diluted:
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Dilutive effect of common stock warrants (in thousands)	9,739		12,382
Dilutive effect of stock options (in thousands)	735		1,139
Weighted average diluted common shares outstanding (in thousands)	195,241		210,243
Net earnings per common share	$	1.04	$	1.09

The following schedule presents the weighted average shares of stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share.

	Three Months Ended March 31,
(In thousands)	2019	2018
Restricted stock and restricted stock units	1,423	1,757

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Operating Segment Information

3 Months Ended

Mar. 31, 2019

Operating Segment Information [Abstract]

Operating Segment Information

OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. Our banking operations are managed under their own individual brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. We use an internal funds transfer pricing (“FTP”) allocation system to report results of operations for business segments. This process is continually refined. Total average loans and deposits presented for the banking segments include insignificant intercompany amounts between banking segments and may also include deposits with the Other segment.

As of March 31, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 23 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 90 branches in California. NBAZ operates 58 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon.

The operating segment identified as “Other” includes certain nonbank financial service subsidiaries, centralized back-office functions, and eliminations of transactions between segments. The major components of net interest income at the Bank’s back-office include the revenue associated with the investments securities portfolio and the offset of the FTP costs and benefits provided to the business segments.

The following schedule does not present total assets or income tax expense for each operating segment, but instead presents average loans, average deposits and income before income taxes because these are the metrics that management uses when evaluating performance and making decisions pertaining to the operating segments. The Bank’s net interest income includes interest expense on borrowed funds. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

The accounting policies of the individual operating segments are the same as those of the Bank. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations.

The following schedule presents selected operating segment information for the three months ended March 31, 2019 and 2018:

(In millions)	Zions Bank					Amegy						CB&T
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	180	$	167		$	131		$	127		$	138	$	131
Provision for credit losses	11		(2		)	(15		)	(53		)	3		2
Net interest income after provision for loan losses	169		169			146			180			135		129
Noninterest income	33		35			34			32			19		21
Noninterest expense	118		113			88			87			82		77
Income (loss) before income taxes	$	84	$	91		$	92		$	125		$	72	$	73
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	12,939	$	12,453		$	11,861		$	11,370		$	10,574	$	9,929
Total average deposits	15,524		15,712			11,441			10,816			11,243		11,119
(In millions)	NBAZ					NSB						Vectra
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	60	$	53		$	40		$	35		$	36	$	32
Provision for credit losses	3		2			(1		)	—			4		3
Net interest income after provision for loan losses	57		51			41			35			32		29
Noninterest income	10		9			10			10			6		6
Noninterest expense	39		38			36			36			28		27
Income (loss) before income taxes	$	28	$	22		$	15		$	9		$	10	$	8
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,749	$	4,543		$	2,500		$	2,348		$	3,055	$	2,794
Total average deposits	4,894		4,783			4,329			4,223			2,821		2,711

(In millions)	TCBW				Other						Consolidated Bank
	2019		2018		2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	11	$	(23	)	$	(14	)	$	576	$	542
Provision for credit losses	—		1		(1		)	—			4		(47		)
Net interest income after provision for loan losses	14		10		(22		)	(14		)	572		589
Noninterest income	1		1		19			24			132		138
Noninterest expense	6		6		33			35			430		419
Income (loss) before income taxes	$	9	$	5	$	(36	)	$	(25	)	$	274	$	308
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,110	$	1,084	$	383		$	343		$	47,171	$	44,864
Total average deposits	1,075		1,073		2,589			1,557			53,916		51,994

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Basis of Presentaion Organization and Presentation (Policies)

3 Months Ended

Mar. 31, 2019

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]

BASIS OF PRESENTATION

The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). Changes to the ASC are made with Accounting Standards Updates (“ASU”) that include consensus issues of the Emerging Issues Task Force.

Operating results for the three months endedMarch 31, 2019 and 2018 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2018 is from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Bank’s 2018 Annual Report on Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity.

Zions Bancorporation, N.A. is a commercial bank headquartered in Salt Lake City, Utah. The Bank provides a full range of banking and related services in 11 Western and Southwestern states through 7 separately managed and branded units as follows: Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under the name The Commerce Bank of Oregon in Oregon.

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Fair Value (Tables)

3 Months Ended

Mar. 31, 2019

Fair Value Disclosures [Abstract]

Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis

(In millions)	March 31, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,559	$	—	$	13,599
Municipal securities			1,283				1,283
Other debt securities			22				22
Total Available-for-sale	40		14,864		—		14,904
Trading account	161		155				316
Other noninterest-bearing investments:
Bank-owned life insurance			518				518
Private equity investments					107		107
Other assets:
Agriculture loan servicing and interest-only strips					17		17
Deferred compensation plan assets	107						107
Derivatives:
Derivatives designated as hedges			9				9
Derivatives not designated as hedges:
Customer-facing interest rate			69				69
Other interest rate			1				1
Foreign exchange	3						3
Total Assets	$	311	$	15,616	$	124	$	16,051
LIABILITIES
Securities sold, not yet purchased	$	52	$	—	$	—	$	52
Other liabilities:
Deferred compensation plan obligations	107						107
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			22				22
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	161	$	23	$	—	$	184

¹We used a third-party pricing service to measure fair value for approximately 94% of our AFS Level 2 securities.

(In millions)	December 31, 2018
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,385	$	—	$	13,425
Municipal securities			1,291				1,291
Other debt securities			21				21
Total Available-for-sale	40		14,697		—		14,737
Trading account	14		92				106
Other noninterest-bearing investments:
Bank-owned life insurance			516				516
Private equity investments					102		102
Other assets:
Agriculture loan servicing and interest-only strips					18		18
Deferred compensation plan assets	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			40				40
Other interest rate			1				1
Foreign exchange	4						4
Total Assets	$	153	$	15,346	$	120	$	15,619
LIABILITIES
Securities sold, not yet purchased	$	85	$	—	$	—	$	85
Other liabilities:
Deferred compensation plan obligations	95						95
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			36				36
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	182	$	37	$	—	$	219

¹We used a third-party pricing service to measure fair value for approximately 95% of our AFS Level 2 securities.

Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis Using Level 3 Inputs

	Level 3 Instruments
	Three Months Ended
	March 31, 2019					March 31, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips			Private equity investments		Ag loan svcg and int-only strips
Balance at beginning of period	$	102	$	18		$	95	$	18
Securities gains (losses), net	1		—			—		—
Other noninterest income	—		(1		)	—		—
Purchases	4		—			5		—
Balance at end of period	$	107	$	17		$	100	$	18

Schedule Of Assets With Fair Value Changes On Nonrecurring Basis

(In millions)	Fair value at March 31, 2019								Fair value at December 31, 2018
	Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3		Total
ASSETS
Private equity investments	$	—	$	—	$	—	$	—	$	—	$	—	$	1	$	1
Impaired loans	—		2		—		2		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	3	$	—	$	3	$	—	$	32	$	1	$	33

The previous fair values may not be current as of the dates indicated, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value.

	Gains (losses) from fair value changes
(In millions)	Three Months Ended March 31,
	2019			2018
ASSETS
Private equity investments	$	—		$	—
Impaired loans	(4		)	(4		)
Other real estate owned	—			(1		)
Total	$	(4	)	$	(5	)

Fair Value, by Balance Sheet Grouping [Table Text Block]

	March 31, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	764	$	762	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	47,178		46,197		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,928		4,921		2	4,336		4,319		2
Long-term debt	1,228		1,240		2	724		727		2

	March 31, 2019
(In millions)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	739	$	(301	)	$	438	$	—		$	—		$	438
Derivatives (included in other assets)	82		—			82		(21		)	(5		)	56
Total assets	$	821	$	(301	)	$	520	$	(21	)	$	(5	)	$	494
Liabilities:
Federal funds and other short-term borrowings	$	5,245	$	(301	)	$	4,944	$	—		$	—		$	4,944
Derivatives (included in other liabilities)	25		—			25		(21		)	—			4
Total Liabilities	$	5,270	$	(301	)	$	4,969	$	(21	)	$	—		$	4,948

	December 31, 2018
(In millions)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,461	$	—	$	1,461	$	—		$	—		$	1,461
Derivatives (included in other assets)	45		—		45		(35		)	(3		)	7
Total assets	$	1506	$	—	$	1506	$	(35	)	$	(3	)	$	1468
Liabilities:
Federal funds and other short-term borrowings	$	5,653	$	—	$	5,653	$	—		$	—		$	5,653
Derivatives (included in other liabilities)	39		—		39		(35		)	(1		)	3
Total Liabilities	$	5,692	$	—	$	5,692	$	(35	)	$	(1	)	$	5,656

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Offsetting Assets and Liabilities (Tables)

3 Months Ended

Mar. 31, 2019

Offsetting Assets and Liabilities [Abstract]

Fair Value, by Balance Sheet Grouping [Table Text Block]

	March 31, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	764	$	762	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	47,178		46,197		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,928		4,921		2	4,336		4,319		2
Long-term debt	1,228		1,240		2	724		727		2

	March 31, 2019
(In millions)								Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet			Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	739	$	(301	)	$	438	$	—		$	—		$	438
Derivatives (included in other assets)	82		—			82		(21		)	(5		)	56
Total assets	$	821	$	(301	)	$	520	$	(21	)	$	(5	)	$	494
Liabilities:
Federal funds and other short-term borrowings	$	5,245	$	(301	)	$	4,944	$	—		$	—		$	4,944
Derivatives (included in other liabilities)	25		—			25		(21		)	—			4
Total Liabilities	$	5,270	$	(301	)	$	4,969	$	(21	)	$	—		$	4,948

	December 31, 2018
(In millions)							Gross amounts not offset in the balance sheet
Description	Gross amounts recognized		Gross amounts offset in the balance sheet		Net amounts presented in the balance sheet		Financial instruments			Cash collateral received/pledged			Net amount
Assets:
Federal funds sold and security resell agreements	$	1,461	$	—	$	1,461	$	—		$	—		$	1,461
Derivatives (included in other assets)	45		—		45		(35		)	(3		)	7
Total assets	$	1506	$	—	$	1506	$	(35	)	$	(3	)	$	1468
Liabilities:
Federal funds and other short-term borrowings	$	5,653	$	—	$	5,653	$	—		$	—		$	5,653
Derivatives (included in other liabilities)	39		—		39		(35		)	(1		)	3
Total Liabilities	$	5,692	$	—	$	5,692	$	(35	)	$	(1	)	$	5,656

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Investment Securities (Tables)

3 Months Ended

Mar. 31, 2019

Investments [Abstract]

Summary Of Investment Securities

	March 31, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	764	$	4	$	6	$	762
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,407		2		11		1,398
Agency guaranteed mortgage-backed securities	10,384		36		136		10,284
Small Business Administration loan-backed securities	1,919		1		43		1,877
Municipal securities	1,270		16		3		1,283
Other debt securities	25		—		3		22
Total available-for-sale	15,045		55		196		14,904
Total investment securities	$	15,809	$	59	$	202	$	15,666

	December 31, 2018
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	774	$	4	$	11	$	767
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,394		—		19		1,375
Agency guaranteed mortgage-backed securities	10,236		18		240		10,014
Small Business Administration loan-backed securities	2,042		1		47		1,996
Municipal securities	1,303		4		16		1,291
Other debt securities	25		—		4		21
Total available-for-sale debt securities	15,040		23		326		14,737
Total investment securities	$	15,814	$	27	$	337	$	15,504

Contractual Maturities Debt Securities

	March 31, 2019
	Held-to-maturity				Available-for-sale
(In millions)	Amortized cost		Estimated fair value		Amortized cost		Estimated fair value
Due in one year or less	$	252	$	252	$	2,147	$	2,125
Due after one year through five years	329		328		5,984		5,928
Due after five years through ten years	132		132		4,441		4,406
Due after ten years	51		50		2,473		2,445
Total debt investment securities	$	764	$	762	$	15,045	$	14,904

Summary Of Amount Of Gross Unrealized Losses For Debt Securities And Estimated Fair Value

	March 31, 2019
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	—	$	24	$	6	$	415	$	6	$	439
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		46		11		994		11		1,040
Agency guaranteed mortgage-backed securities	2		270		134		6,799		136		7,069
Small Business Administration loan-backed securities	13		876		30		898		43		1,774
Municipal securities	—		40		3		458		3		498
Other	—		—		3		12		3		12
Total available-for-sale	15		1,232		181		9,161		196		10,393
Total investment securities	$	15	$	1,256	$	187	$	9,576	$	202	$	10,832

	December 31, 2018
	Less than 12 months				12 months or more				Total
(In millions)	Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value		Gross unrealized losses		Estimated  fair  value
Held-to-maturity
Municipal securities	$	1	$	86	$	10	$	438	$	11	$	524
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	2		245		17		913		19		1,158
Agency guaranteed mortgage-backed securities	16		1,081		224		6,661		240		7,742
Small Business Administration loan-backed securities	19		1,180		28		711		47		1,891
Municipal securities	2		266		14		641		16		907
Other	—		—		4		11		4		11
Total available-for-sale	39		2,772		287		8,937		326		11,709
Total investment securities	$	40	$	2,858	$	297	$	9,375	$	337	$	12,233

Gains And Losses, Including OTTI, Recognized In Statement Of Income

	Three Months Ended March 31,
	2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses
Investment securities:
Other noninterest-bearing investments	$	4	$	3	$	1	$	1
Net gains 1			$	1			$	—

¹ Net gains were recognized in securities gains (losses), net in the statement of income.

Tax and Nontaxable Interest Income by Investment Type [Table Text Block]

	Three Months Ended March 31,
(In millions)	2019						2018
	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	2	$	4	$	6
Available-for-sale	83		6		89		73		6		79
Trading	—		1		1		—		1		1
Total securities	$	85	$	11	$	96	$	75	$	11	$	86

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Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2019

Accounts, Notes, Loans and Financing Receivable [Line Items]

Investment of accuring and nonaccruing troubled debt restructuring [Text Block]

	Three Months Ended March 31, 2019						Three Months Ended March 31, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	1	$	1
Owner-occupied	—		—		—		—		1		1
Total commercial	—		3		3		—		2		2
Commercial real estate:
Term	—		2		2		—		—		—
Total commercial real estate	—		2		2		—		—		—
Total	$	—	$	5	$	5	$	—	$	2	$	2

Note: Total loans modified as TDRs during the 12 months previous to March 31, 2019 and 2018 were $73 million and $111 million, respectively.

allowance for loan losses by impairment [Table Text Block]

The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:
	March 31, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	322		112		54		488
Total	$	328	$	113	$	56	$	497
Outstanding loan balances:
Individually evaluated for impairment	$	148	$	50	$	70	$	268
Collectively evaluated for impairment	24,450		11,480		11,408		47,338
Total	$	24,598	$	11,530	$	11,478	$	47,606

	December 31, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	325		109		52		486
Total	$	331	$	110	$	54	$	495
Outstanding loan balances:
Individually evaluated for impairment	$	164	$	55	$	72	$	291
Collectively evaluated for impairment	23,998		11,070		11,355		46,423
Total	$	24,162	$	11,125	$	11,427	$	46,714

Summary Of Major Portfolio Segment And Specific Loan Class

(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	69	$	93
Commercial:
Commercial and industrial	$	14,758	$	14,513
Leasing	312		327
Owner-occupied	7,754		7,661
Municipal	1,774		1,661
Total commercial	24,598		24,162
Commercial real estate:
Construction and land development	2,343		2,186
Term	9,187		8,939
Total commercial real estate	11,530		11,125
Consumer:
Home equity credit line	2,884		2,937
1-4 family residential	7,294		7,176
Construction and other consumer real estate	636		643
Bankcard and other revolving plans	489		491
Other	175		180
Total consumer	11,478		11,427
Total loans 1	$	47,606	$	46,714

Summary Of Changes in The Allowance For Credit Losses

Changes in the allowance for credit losses are summarized as follows:
	Three Months Ended March 31, 2019
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	331		$	110		$	54	$	495
Provision for loan losses	(1		)	1			2		2
Deductions:
Gross loan and lease charge-offs	8			1			3		12
Recoveries	6			3			3		12
Net loan and lease charge-offs (recoveries)	2			(2		)	—		—
Balance at end of period	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments
Balance at beginning of period	$	40		$	17		$	—	$	57
Provision for unfunded lending commitments	2			—			—		2
Balance at end of period	$	42		$	17		$	—	$	59
Total allowance for credit losses at end of period
Allowance for loan losses	$	328		$	113		$	56	$	497
Reserve for unfunded lending commitments	42			17			—		59
Total allowance for credit losses	$	370		$	130		$	56	$	556

	Three Months Ended March 31, 2018
(In millions)	Commercial			Commercial real estate			Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	371		$	103		$	44	$	518
Provision for loan losses	(40		)	(1		)	1		(40		)
Gross loan and lease charge-offs	20			—			6		26
Recoveries	18			2			1		21
Net loan and lease charge-offs (recoveries)	2			(2		)	5		5
Balance at end of period	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments
Balance at beginning of period	$	48		$	10		$	—	$	58
Provision for unfunded lending commitments	(8		)	1			—		(7		)
Balance at end of period	$	40		$	11		$	—	$	51
Total allowance for credit losses at end of period
Allowance for loan losses	$	329		$	104		$	40	$	473
Reserve for unfunded lending commitments	40			11			—		51
Total allowance for credit losses	$	369		$	115		$	40	$	524

The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:
	March 31, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	6	$	1	$	2	$	9
Collectively evaluated for impairment	322		112		54		488
Total	$	328	$	113	$	56	$	497
Outstanding loan balances:
Individually evaluated for impairment	$	148	$	50	$	70	$	268
Collectively evaluated for impairment	24,450		11,480		11,408		47,338
Total	$	24,598	$	11,530	$	11,478	$	47,606

Summary Of Nonaccrual Loans

Nonaccrual loans are summarized as follows:
(In millions)	March 31, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	72	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	143		152
Commercial real estate:
Construction and land development	1		—
Term	32		38
Total commercial real estate	33		38
Consumer:
Home equity credit line	11		13
1-4 family residential	45		42
Construction and other consumer real estate	2		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	58		56
Total	$	234	$	246

Summary Of Past Due Loans (Accruing And Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:
	March 31, 2019
(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	$	69	$	—	$	—	$	—	$	69	$	—	$	—
Commercial:
Commercial and industrial	$	14,646	$	86	$	26	$	112	$	14,758	$	4	$	43
Leasing	311		—		1		1		312		—		1
Owner-occupied	7,702		33		19		52		7,754		1		45
Municipal	1,774		—		—		—		1,774		—		1
Total commercial	24,433		119		46		165		24,598		5		90
Commercial real estate:
Construction and land development	2,333		9		1		10		2,343		1		—
Term	9,164		17		6		23		9,187		1		24
Total commercial real estate	11,497		26		7		33		11,530		2		24
Consumer:
Home equity credit line	2,875		5		4		9		2,884		—		5
1-4 family residential	7,260		13		21		34		7,294		—		17
Construction and other consumer real estate	636		—		—		—		636		—		2
Bankcard and other revolving plans	485		3		1		4		489		1		—
Other	174		1		—		1		175		—		—
Total consumer loans	11,430		22		26		48		11,478		1		24
Total	$	47,360	$	167	$	79	$	246	$	47,606	$	8	$	138

	December 31, 2018
(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	$	89	$	—	$	4	$	4	$	93	$	—	$	2
Commercial:
Commercial and industrial	$	14,445	$	37	$	31	$	68	$	14,513	$	4	$	46
Leasing	325		1		1		2		327		—		1
Owner-occupied	7,621		23		17		40		7,661		3		48
Municipal	1,661		—		—		—		1,661		—		1
Total commercial	24,052		61		49		110		24,162		7		96
Commercial real estate:
Construction and land development	2,185		1		—		1		2,186		—		—
Term	8,924		4		11		15		8,939		1		26
Total commercial real estate	11,109		5		11		16		11,125		1		26
Consumer:
Home equity credit line	2,927		4		6		10		2,937		—		4
1-4 family residential	7,143		15		18		33		7,176		—		19
Construction and other consumer real estate	642		1		—		1		643		—		—
Bankcard and other revolving plans	487		2		2		4		491		2		—
Other	179		1		—		1		180		—		—
Total consumer loans	11,378		23		26		49		11,427		2		23
Total	$	46,539	$	89	$	86	$	175	$	46,714	$	10	$	145

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

	March 31, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,047	$	389	$	322	$	—	$	14,758
Leasing	299		10		3		—		312
Owner-occupied	7,448		82		224		—		7,754
Municipal	1,745		2		27		—		1,774
Total commercial	23,539		483		576		—		24,598		$	328
Commercial real estate:
Construction and land development	2,334		—		9		—		2,343
Term	9,080		34		73		—		9,187
Total commercial real estate	11,414		34		82		—		11,530		113
Consumer:
Home equity credit line	2,868		—		16		—		2,884
1-4 family residential	7,245		—		49		—		7,294
Construction and other consumer real estate	633		—		3		—		636
Bankcard and other revolving plans	487		—		2		—		489
Other	174		—		1		—		175
Total consumer loans	11,407		—		71		—		11,478		56
Total	$	46,360	$	517	$	729	$	—	$	47,606	$	497

	December 31, 2018
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	13,891	$	322	$	300	$	—	$	14,513
Leasing	313		10		4		—		327
Owner-occupied	7,369		72		220		—		7,661
Municipal	1,632		2		27		—		1,661
Total commercial	23,205		406		551		—		24,162		$	331
Commercial real estate:
Construction and land development	2,174		11		1		—		2,186
Term	8,853		10		76		—		8,939
Total commercial real estate	11,027		21		77		—		11,125		110
Consumer:
Home equity credit line	2,920		—		17		—		2,937
1-4 family residential	7,129		—		47		—		7,176
Construction and other consumer real estate	641		—		2		—		643
Bankcard and other revolving plans	488		—		3		—		491
Other	179		—		1		—		180
Total consumer loans	11,357		—		70		—		11,427		54
Total	$	45,589	$	427	$	698	$	—	$	46,714	$	495

Summary Of Information On Impaired Loans

	March 31, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	99	$	35	$	44	$	79	$	5
Owner-occupied	56		42		11		53		1
Municipal	1		1		—		1		—
Total commercial	156		78		55		133		6
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	39		33		2		35		—
Total commercial real estate	39		33		2		35		—
Consumer:
Home equity credit line	15		12		3		15		—
1-4 family residential	63		30		23		53		2
Construction and other consumer real estate	2		—		2		2		—
Other	—		—		—		—		—
Total consumer loans	80		42		28		70		2
Total	$	275	$	153	$	85	$	238	$	8

	December 31, 2018
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	112	$	52	$	36	$	88	$	4
Owner-occupied	67		31		29		60		2
Municipal	1		1		—		1		—
Total commercial	180		84		65		149		6
Commercial real estate:
Construction and land development	1		—		—		—		—
Term	44		37		3		40		—
Total commercial real estate	45		37		3		40		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	69		32		25		57		2
Construction and other consumer real estate	1		1		—		1		—
Other	—		—		—		—		—
Total consumer loans	85		45		27		72		2
Total	$	310	$	166	$	95	$	261	$	8

	Three Months Ended March 31, 2019				Three Months Ended March 31, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	83	$	1	$	148	$	—
Owner-occupied	60		—		91		8
Municipal	1		—		1		—
Total commercial	144		1		240		8
Commercial real estate:
Construction and land development	—		—		5		—
Term	35		—		57		—
Total commercial real estate	35		—		62		—
Consumer:
Home equity credit line	14		—		20		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	2		—		2		—
Other	—		—		—		—
Total consumer loans	71		—		77		—
Total	$	250	$	1	$	379	$	8

Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type

	March 31, 2019
	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	$	4	$	—	$	—	$	14	$	6	$	26
Owner-occupied	4		1		—		—		3		7		15
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		13		41
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		5		9
Total commercial real estate	1		2		—		1		—		5		9
Consumer:
Home equity credit line	—		1		9		—		—		2		12
1-4 family residential	1		1		6		1		1		25		35
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		3		15		1		1		27		48
Total accruing	8		10		15		2		18		45		98
Nonaccruing
Commercial:
Commercial and industrial	1		4		—		1		2		24		32
Owner-occupied	6		—		—		—		1		6		13
Municipal	—		—		—		—		—		1		1
Total commercial	7		4		—		1		3		31		46
Commercial real estate:
Term	3		—		—		2		3		12		20
Total commercial real estate	3		—		—		2		3		12		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		4		2		3		7		50		76
Total	$	18	$	14	$	17	$	5	$	25	$	95	$	174

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, 2018
	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	$	4	$	—	$	—	$	15	$	7	$	28
Owner-occupied	3		2		—		—		2		14		21
Total commercial	5		6		—		—		17		21		49
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	2		2		—		1		—		6		11
Total commercial real estate	2		2		—		1		—		6		11
Consumer:
Home equity credit line	—		1		8		—		—		3		12
1-4 family residential	1		2		6		1		1		28		39
Construction and other consumer real estate	—		—		—		—		—		1		1
Total consumer loans	1		3		14		1		1		32		52
Total accruing	8		11		14		2		18		59		112
Nonaccruing
Commercial:
Commercial and industrial	1		6		—		1		10		27		45
Owner-occupied	6		—		—		1		2		5		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		2		12		33		60
Commercial real estate:
Term	3		—		—		2		14		1		20
Total commercial real estate	3		—		—		2		14		1		20
Consumer:
Home equity credit line	—		—		1		—		—		—		1
1-4 family residential	—		—		1		—		1		7		9
Total consumer loans	—		—		2		—		1		7		10
Total nonaccruing	10		6		2		4		27		41		90
Total	$	18	$	17	$	16	$	6	$	45	$	100	$	202

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.

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Derivative Instruments And Hedging Activities Derivative Instruments and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2019

Derivative Instruments, Gain (Loss) [Line Items]

Schedule of Derivative Instruments

	March 31, 2019						December 31, 2018
	Notional amount		Fair value				Notional amount		Fair value
(In millions)			Other assets		Other liabilities				Other assets		Other liabilities
Derivatives designated as hedging instruments:
Cash flow hedges:
Purchased interest rate floors	$	3,000	$	9	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,338		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	5,338		9		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives	3,035		69		22		2,826		40		36
Offsetting interest rate derivatives	3,035		—		—		2,826		—		—
Other interest rate derivatives	449		1		1		253		1		1
Foreign exchange derivatives	367		3		2		389		4		2
Total derivatives not designated as hedging instruments	6,886		73		25		6,294		45		39
Total derivatives	$	12,224	$	82	$	25	$	7,481	$	45	$	39

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended March 31, 2019									Three Months Ended March 31, 2018
(In millions)	OCI		Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense		OCI			Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	3	$	—						$	(5	)	$	—
Interest rate swaps	8		2
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps								$	—									$	—
Total derivatives designated as hedging instruments	11		2					—		(5		)	—					—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives					$	(41	)								$	45
Offsetting interest rate derivatives					44										(38		)
Other interest rate derivatives					—										(2		)
Foreign exchange derivatives					5										5
Total derivatives not designated as hedging instruments					8										10
Total derivatives	$	11	$	2	$	8		$	—	$	(5	)	$	—	$	10		$	—

Schedule Of Gain (Loss) Of Derivative Instruments

	Gain/(loss) recorded in income
	Three Months Ended March 31, 2019							Three Months Ended March 31, 2018
(In millions)	Derivatives2		Hedged items			Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	6	$	(6	)	$	—	$	—	$	—	$	—

¹  Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt. Gains and losses were recorded in net interest income.

² The income for the derivative does not reflect interest income/expense to be consistent with the presentation of the gains/ (losses) on the hedged items.

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended March 31, 2019									Three Months Ended March 31, 2018
(In millions)	OCI		Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense		OCI			Reclassified from AOCI to interest income		Noninterest income (expense)			Offset to interest expense
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	3	$	—						$	(5	)	$	—
Interest rate swaps	8		2
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps								$	—									$	—
Total derivatives designated as hedging instruments	11		2					—		(5		)	—					—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives					$	(41	)								$	45
Offsetting interest rate derivatives					44										(38		)
Other interest rate derivatives					—										(2		)
Foreign exchange derivatives					5										5
Total derivatives not designated as hedging instruments					8										10
Total derivatives	$	11	$	2	$	8		$	—	$	(5	)	$	—	$	10		$	—

Note: These schedules are not intended to present at any given time the Bank’s long/short position with respect to its derivative contracts.

¹  Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following March 31, 2019, we estimate that $(7) million will be reclassified from AOCI into interest income

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Derivative Instruments And Hedging Activities Long-term debt derivative (Tables)

3 Months Ended

Mar. 31, 2019

Derivatives, Fair Value [Line Items]

Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]

	Carrying amount of the hedged assets/(liabilities)						Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities)
(In millions)	March 31, 2019			December 31, 2018			March 31, 2019			December 31, 2018
Long-term debt	$	(1,010	)	$	(505	)	$	(10	)	$	(5	)

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Leases Lease Expense (Tables)

3 Months Ended

Mar. 31, 2019

Leases Expense [Abstract]

Lease, Cost [Table Text Block]

(In millions)	Three Months Ended March 31, 2019
Operating lease costs	$	12
Variable lease costs	13
Total lease cost	$	25

Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]

(In millions)	Three Months Ended March 31, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	10

Finance Lease, Liability, Maturity [Table Text Block]

(In millions)
2019 1	$	41
2020	45
2021	39
2022	35
2023	31
Thereafter	114
Total	$	305

¹Contractual maturities for the nine months remaining in 2019.

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Debt And Shareholders' Equity (Tables)

3 Months Ended

Mar. 31, 2019

Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In millions)	March 31, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,141		637
Total	$	1,228	$	724

Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]

	Amounts reclassified from AOCI 1					Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended March 31,
Details about AOCI components	2019			2018			Affected line item
Net unrealized losses on derivative instruments	$	(1	)	$	—	SI	Interest and fees on loans
Income tax benefit	—			—
Amounts Reclassified from AOCI	$	(1	)	$	—

¹  Negative reclassification amounts indicate decreases to earnings in the statement of income and increases to balance sheet assets.

Schedule Of Changes In Accumulated Other Comprehensive Income (Loss)

(In millions)	Net unrealized gains (losses) on investment securities			Net unrealized gains (losses) on derivatives and other			Pension and post-retirement			Total
Three Months Ended March 31, 2019
Balance at December 31, 2018	$	(228	)	$	(1	)	$	(21	)	$	(250	)
OCI before reclassifications, net of tax	122			5			—			127
Amounts reclassified from AOCI, net of tax	—			1			—			1
OCI	122			6			—			128
Balance at March 31, 2019	$	(106	)	$	5		$	(21	)	$	(122	)
Income tax expense included in OCI	$	40		$	2		$	—		$	42
Three Months Ended March 31, 2018
Balance at December 31, 2017	$	(114	)	$	(2	)	$	(23	)	$	(139	)
OCI (loss) before reclassifications, net of tax	(126		)	(2		)	—			(128		)
Amounts reclassified from AOCI, net of tax	—			—			—			—
OCI (loss)	(126		)	(2		)	—			(128		)
Balance at March 31, 2018	$	(240	)	$	(4	)	$	(23	)	$	(267	)
Income tax benefit included in OCI	$	(41	)	$	(1	)	$	—		$	(42	)

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Commitments, Guarantees, And Contingent Liabilities (Tables)

3 Months Ended

Mar. 31, 2019

Guarantees, Commitments And Contingencies [Abstract]

Schedule Of Guarantees Issued

(In millions)	March 31, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	21,632	$	21,454
Standby letters of credit:
Financial	544		655
Performance	196		199
Commercial letters of credit	27		18
Total unfunded lending commitments	$	22,399	$	22,326

¹  Net of participations

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Revenue Recognition Revenue Recognition (Tables)

3 Months Ended

Mar. 31, 2019

Revenue Recognition and Deferred Revenue [Abstract]

Revenue Recognition, Services, Commissions [Policy Text Block]

	Three Months Ended March 31,
(In millions)	2019		2018
Card fee income	$	34	$	33
ATM fees	2		2
Other service charges	3		4
Other commissions and fees	4		5
Total	$	43	$	44

Reconciliation of Revenue from Segments to Consolidated [Table Text Block]

	Zions Bank						Amegy						CB&T
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	13		$	15		$	11		$	10		$	7		$	7
Other service charges, commissions, and fees	17			16			9			8			7			5
Wealth management and trust income	4			4			3			2			1			1
Capital markets and foreign exchange	1			1			(1		)	(2		)	1			1
Total noninterest income from contracts with customers (ASC 606)	35			36			22			18			16			14
Other noninterest income (Non-ASC 606 customer related)	(3		)	(2		)	13			12			4			4
Total customer-related fees	32			34			35			30			20			18
Other noninterest income (non-customer related)	1			1			(1		)	2			(1		)	3
Total noninterest income	33			35			34			32			19			21
Other real estate owned gain from sale	1			1			—			—			—			—
Net interest income	180			167			131			127			138			131
Total income less interest expense	$	214		$	203		$	165		$	159		$	157		$	152
	NBAZ						NSB						Vectra
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	3		$	3		$	4		$	4		$	2		$	2
Other service charges, commissions, and fees	3			2			3			3			2			3
Wealth management and trust income	—			1			1			1			—			—
Capital markets and foreign exchange	—			—			—			—			—			—
Total noninterest income from contracts with customers (ASC 606)	6			6			8			8			4			5
Other noninterest income (Non-ASC 606 customer related)	3			2			2			2			1			1
Total customer-related fees	9			8			10			10			5			6
Other noninterest income (non-customer related)	1			1			—			—			1			—
Total noninterest income	10			9			10			10			6			6
Other real estate owned gain from sale	—			—			—			—			—			—
Net interest income	60			53			40			35			36			32
Total income less interest expense	$	70		$	62		$	50		$	45		$	42		$	38
	TCBW						Other						Consolidated Bank
(In millions)	2019			2018			2019			2018			2019			2018
Service charges and fees on deposit accounts	$	—		$	—		$	—		$	1		$	40		$	42
Other service charges, commissions, and fees	1			1			1			6			43			44
Wealth management and trust income	—			—			4			3			13			12
Capital markets and foreign exchange	—			—			2			3			3			3
Total noninterest income from contracts with customers (ASC 606)	1			1			7			13			99			101
Other noninterest income (Non-ASC 606 customer related)	—			—			1			3			21			22
Total customer-related fees	1			1			8			16			120			123
Other noninterest income (non-customer related)	—			—			11			8			12			15
Total noninterest income	1			1			19			24			132			138
Other real estate owned gain from sale	—			—			—			—			1			1
Net interest income	14			11			(23		)	(14		)	576			542
Total income less interest expense	$	15		$	12		$	(4	)	$	10		$	709		$	681

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Retirement Plans (Tables)

3 Months Ended

Mar. 31, 2019

Defined Benefit Plan [Abstract]

Schedule Of Net Periodic Benefit Cost (Credit) For Pension And Postretirement Plans

(In millions)	Three Months Ended March 31,
	2019			2018
Interest cost	$	1		$	1
Expected return on plan assets	(2		)	(3		)
Partial settlement loss	—			1
Amortization of net actuarial loss	1			—
Net periodic benefit cost (benefit)	$	—		$	(1	)

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Net Earnings per Common Share Basic and diluted net earnings per common share (Tables)

3 Months Ended

Mar. 31, 2019

Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]

Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Table Text Block]

	Three Months Ended March 31,
(In millions, except shares and per share amounts)	2019		2018
Basic:
Net income	$	213	$	238
Less common and preferred dividends	64		47
Undistributed earnings	149		191
Less undistributed earnings applicable to nonvested shares	1		1
Undistributed earnings applicable to common shares	148		190
Distributed earnings applicable to common shares	56		39
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Net earnings per common share	$	1.10	$	1.16
Diluted:
Total earnings applicable to common shares	$	204	$	229
Weighted average common shares outstanding (in thousands)	184,767		196,722
Dilutive effect of common stock warrants (in thousands)	9,739		12,382
Dilutive effect of stock options (in thousands)	735		1,139
Weighted average diluted common shares outstanding (in thousands)	195,241		210,243
Net earnings per common share	$	1.04	$	1.09

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Net Earnings per Common Share Weighted average shares of stock awards that were anti-dilutive (Tables)

3 Months Ended

Mar. 31, 2019

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Schedule of Weighted Average Number of Shares [Table Text Block]

	Three Months Ended March 31,
(In thousands)	2019	2018
Restricted stock and restricted stock units	1,423	1,757

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Operating Segment Information (Tables)

3 Months Ended

Mar. 31, 2019

Segment Reporting Information [Line Items]

Operating Segment Information

OPERATING SEGMENT INFORMATION

We manage our operations and prepare management reports and other information with a primary focus on geographical area. Our banking operations are managed under their own individual brand names, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. Performance assessment and resource allocation are based upon this geographical structure. We use an internal funds transfer pricing (“FTP”) allocation system to report results of operations for business segments. This process is continually refined. Total average loans and deposits presented for the banking segments include insignificant intercompany amounts between banking segments and may also include deposits with the Other segment.

As of March 31, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 23 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 90 branches in California. NBAZ operates 58 branches in Arizona. NSB operates 50 branches in Nevada. Vectra operates 36 branches in Colorado and one branch in New Mexico. TCBW operates one branch in Washington and one branch in Oregon.

The operating segment identified as “Other” includes certain nonbank financial service subsidiaries, centralized back-office functions, and eliminations of transactions between segments. The major components of net interest income at the Bank’s back-office include the revenue associated with the investments securities portfolio and the offset of the FTP costs and benefits provided to the business segments.

The following schedule does not present total assets or income tax expense for each operating segment, but instead presents average loans, average deposits and income before income taxes because these are the metrics that management uses when evaluating performance and making decisions pertaining to the operating segments. The Bank’s net interest income includes interest expense on borrowed funds. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the Other segment.

The accounting policies of the individual operating segments are the same as those of the Bank. Transactions between operating segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations.

The following schedule presents selected operating segment information for the three months ended March 31, 2019 and 2018:

(In millions)	Zions Bank					Amegy						CB&T
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	180	$	167		$	131		$	127		$	138	$	131
Provision for credit losses	11		(2		)	(15		)	(53		)	3		2
Net interest income after provision for loan losses	169		169			146			180			135		129
Noninterest income	33		35			34			32			19		21
Noninterest expense	118		113			88			87			82		77
Income (loss) before income taxes	$	84	$	91		$	92		$	125		$	72	$	73
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	12,939	$	12,453		$	11,861		$	11,370		$	10,574	$	9,929
Total average deposits	15,524		15,712			11,441			10,816			11,243		11,119
(In millions)	NBAZ					NSB						Vectra
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	60	$	53		$	40		$	35		$	36	$	32
Provision for credit losses	3		2			(1		)	—			4		3
Net interest income after provision for loan losses	57		51			41			35			32		29
Noninterest income	10		9			10			10			6		6
Noninterest expense	39		38			36			36			28		27
Income (loss) before income taxes	$	28	$	22		$	15		$	9		$	10	$	8
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,749	$	4,543		$	2,500		$	2,348		$	3,055	$	2,794
Total average deposits	4,894		4,783			4,329			4,223			2,821		2,711

(In millions)	TCBW				Other						Consolidated Bank
	2019		2018		2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	11	$	(23	)	$	(14	)	$	576	$	542
Provision for credit losses	—		1		(1		)	—			4		(47		)
Net interest income after provision for loan losses	14		10		(22		)	(14		)	572		589
Noninterest income	1		1		19			24			132		138
Noninterest expense	6		6		33			35			430		419
Income (loss) before income taxes	$	9	$	5	$	(36	)	$	(25	)	$	274	$	308
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,110	$	1,084	$	383		$	343		$	47,171	$	44,864
Total average deposits	1,075		1,073		2,589			1,557			53,916		51,994

Schedule of Segment Reporting Information, by Segment

(In millions)	Zions Bank					Amegy						CB&T
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	180	$	167		$	131		$	127		$	138	$	131
Provision for credit losses	11		(2		)	(15		)	(53		)	3		2
Net interest income after provision for loan losses	169		169			146			180			135		129
Noninterest income	33		35			34			32			19		21
Noninterest expense	118		113			88			87			82		77
Income (loss) before income taxes	$	84	$	91		$	92		$	125		$	72	$	73
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	12,939	$	12,453		$	11,861		$	11,370		$	10,574	$	9,929
Total average deposits	15,524		15,712			11,441			10,816			11,243		11,119
(In millions)	NBAZ					NSB						Vectra
	2019		2018			2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	60	$	53		$	40		$	35		$	36	$	32
Provision for credit losses	3		2			(1		)	—			4		3
Net interest income after provision for loan losses	57		51			41			35			32		29
Noninterest income	10		9			10			10			6		6
Noninterest expense	39		38			36			36			28		27
Income (loss) before income taxes	$	28	$	22		$	15		$	9		$	10	$	8
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,749	$	4,543		$	2,500		$	2,348		$	3,055	$	2,794
Total average deposits	4,894		4,783			4,329			4,223			2,821		2,711

(In millions)	TCBW				Other						Consolidated Bank
	2019		2018		2019			2018			2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	11	$	(23	)	$	(14	)	$	576	$	542
Provision for credit losses	—		1		(1		)	—			4		(47		)
Net interest income after provision for loan losses	14		10		(22		)	(14		)	572		589
Noninterest income	1		1		19			24			132		138
Noninterest expense	6		6		33			35			430		419
Income (loss) before income taxes	$	9	$	5	$	(36	)	$	(25	)	$	274	$	308
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,110	$	1,084	$	383		$	343		$	47,171	$	44,864
Total average deposits	1,075		1,073		2,589			1,557			53,916		51,994

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Basis of Presentaion (Details)	Mar. 31, 2019 States
Basis Of Presentation [Abstract]
Number of States in which Entity Operates	11
Number of community regional banks operating in distinct geographical areas	7

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Fair Value (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	$ 107,000,000	$ 95,000,000
Other Assets, Fair Value Disclosure	107,000,000	95,000,000
Derivative Credit Risk Valuation Adjustment, Derivative Liabilities	1,000,000		$ 1,000,000
Other noninterest-bearing investments valued under the cost method	10,000,000	10,000,000
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	272,000,000	329,000,000
Fair value of AFS securities	14,904,000,000	14,737,000,000
Principal amount of other real estate owned property sold	1,000,000
Equity Method Investments, Fair Value Disclosure	36,000,000	35,000,000
Fair Value, Inputs, Level 1 [Member]
Derivatives, Fair Value [Line Items]
Other Assets, Fair Value Disclosure		95,000,000
Fair value of AFS securities	40,000,000	40,000,000
Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	14,864,000,000	14,697,000,000
Fair Value, Inputs, Level 3 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	0	0
Third Party Pricing Service [Member] | Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	0.94	0.95
Interest Rate Swaps For Customers [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	22,000,000	36,000,000
Other Assets, Fair Value Disclosure	69,000,000	40,000,000
Interest Rate Swaps For Customers [Member] | Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	22,000,000	36,000,000
Other Assets, Fair Value Disclosure	69,000,000	40,000,000
Warranty, Rights and Obligations, Fair Value Option [Member] | Fair Value, Inputs, Level 1 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	107,000,000	95,000,000
Other Assets, Fair Value Disclosure	107,000,000
Available-for-sale Securities [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	1,283,000,000	1,291,000,000
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	1,283,000,000	1,291,000,000
Available-for-sale Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities
Other Real Estate Owned Properties [Member]
Derivatives, Fair Value [Line Items]
Net gains on sale of OREO properties	1,000,000
Derivative [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	1,000,000	1,000,000
Other Assets, Fair Value Disclosure	1,000,000	1,000,000
Derivative [Member] | Fair Value, Inputs, Level 1 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	2,000,000	2,000,000
Other Assets, Fair Value Disclosure	$ 3,000,000	4,000,000
Derivative [Member] | Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure		$ 1,000,000

XML

Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	$ 14,904,000,000	$ 14,737,000,000
Debt Securities, Trading, and Equity Securities, FV-NI	316,000,000	106,000,000
Other Assets, Fair Value Disclosure	107,000,000	95,000,000
Assets, Fair Value Disclosure	16,051,000,000	15,619,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	52,000,000	85,000,000
Other Liabilities, Fair Value Disclosure	107,000,000	95,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	184,000,000	219,000,000
Principal amount of other real estate owned property sold	1,000,000
Other noninterest-bearing investments valued under the cost method	10,000,000	10,000,000
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	272,000,000	329,000,000
Equity Method Investments, Fair Value Disclosure	36,000,000	35,000,000
Other Real Estate Owned Properties [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (Losses) on Sales of Other Real Estate	1,000,000
US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	13,599,000,000	13,425,000,000
Asset-backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	22,000,000	21,000,000
Interest Rate Swaps For Customers [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	69,000,000	40,000,000
Other Liabilities, Fair Value Disclosure	22,000,000	36,000,000
Available-for-sale Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	1,283,000,000	1,291,000,000
Derivative [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	1,000,000	1,000,000
Other Liabilities, Fair Value Disclosure	1,000,000	1,000,000
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	311,000,000	153,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	161,000,000	182,000,000
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	15,616,000,000	15,346,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	23,000,000	37,000,000
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	124,000,000	120,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0	0
Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	518,000,000	516,000,000
Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	107,000,000	102,000,000
Assets, Fair Value Disclosure	0	1,000,000
Interest-Only-Strip [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	17,000,000	18,000,000
Designated as Hedging Instrument [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	9,000,000
Foreign Exchange Contract [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	3,000,000	4,000,000
Other Liabilities, Fair Value Disclosure	2,000,000	2,000,000
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	40,000,000	40,000,000
Debt Securities, Trading, and Equity Securities, FV-NI	161,000,000	14,000,000
Other Assets, Fair Value Disclosure		95,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	52,000,000	85,000,000
Fair Value, Inputs, Level 1 [Member] | Warranty, Rights and Obligations, Fair Value Option [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	107,000,000
Other Liabilities, Fair Value Disclosure	107,000,000	95,000,000
Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	40,000,000	40,000,000
Fair Value, Inputs, Level 1 [Member] | Derivative [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	3,000,000	4,000,000
Other Liabilities, Fair Value Disclosure	2,000,000	2,000,000
Fair Value, Inputs, Level 1 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	14,864,000,000	14,697,000,000
Debt Securities, Trading, and Equity Securities, FV-NI	155,000,000	92,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Fair Value, Inputs, Level 2 [Member] | US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	13,559,000,000	13,385,000,000
Fair Value, Inputs, Level 2 [Member] | Asset-backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	22,000,000	21,000,000
Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps For Customers [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	69,000,000	40,000,000
Other Liabilities, Fair Value Disclosure	22,000,000	36,000,000
Fair Value, Inputs, Level 2 [Member] | Derivative Interest Rate Related And Other [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	1,000,000	1,000,000
Other Liabilities, Fair Value Disclosure	1,000,000
Fair Value, Inputs, Level 2 [Member] | Available-for-sale Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	1,283,000,000	1,291,000,000
Fair Value, Inputs, Level 2 [Member] | Derivative [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Liabilities, Fair Value Disclosure		1,000,000
Fair Value, Inputs, Level 2 [Member] | Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	518,000,000	516,000,000
Fair Value, Inputs, Level 2 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member] | Designated as Hedging Instrument [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	9,000,000
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	0
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Asset-backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | Available-for-sale Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	107,000,000	102,000,000
Assets, Fair Value Disclosure	0	1,000,000
Fair Value, Inputs, Level 3 [Member] | Interest-Only-Strip [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	17,000,000	18,000,000
Third Party Pricing Service [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	$ 0.94	$ 0.95

XML

Fair Value (Schedule Of Key Model Inputs And Assumptions Used To Fair Value Certain Asset-Backed Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	$ 14,904	$ 14,737
Debt Securities, Trading, and Equity Securities, FV-NI	316	106
Other Assets, Fair Value Disclosure	107	95
Assets, Fair Value Disclosure	16,051	15,619
Financial Instruments Sold, Not yet Purchased, at Fair Value	52	85
Other Liabilities, Fair Value Disclosure	107	95
Financial and Nonfinancial Liabilities, Fair Value Disclosure	184	219
Designated as Hedging Instrument [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	9
US Treasury Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	13,599	13,425
Interest Rate Swaps For Customers [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	69	40
Other Liabilities, Fair Value Disclosure	22	36
Fair Value, Inputs, Level 1 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assets, Fair Value Disclosure	311	153
Financial and Nonfinancial Liabilities, Fair Value Disclosure	161	182
Fair Value, Inputs, Level 2 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assets, Fair Value Disclosure	15,616	15,346
Financial and Nonfinancial Liabilities, Fair Value Disclosure	23	37
Fair Value, Inputs, Level 3 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assets, Fair Value Disclosure	124	120
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0	0
Foreign Exchange Contract [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	3	4
Other Liabilities, Fair Value Disclosure	2	2
Interest-Only-Strip [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	17	18
Private Equity Funds [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	107	102
Assets, Fair Value Disclosure	0	1
Bank-owned life insurance [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	518	516
Available-for-sale Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	1,283	1,291
Derivative [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	1	1
Other Liabilities, Fair Value Disclosure	1	1
Asset-backed Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	22	21
Fair Value, Inputs, Level 1 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	40	40
Debt Securities, Trading, and Equity Securities, FV-NI	161	14
Other Assets, Fair Value Disclosure		95
Financial Instruments Sold, Not yet Purchased, at Fair Value	52	85
Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	40	40
Fair Value, Inputs, Level 1 [Member] | Private Equity Funds [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 [Member] | Derivative [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	3	4
Other Liabilities, Fair Value Disclosure	2	2
Fair Value, Inputs, Level 2 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	14,864	14,697
Debt Securities, Trading, and Equity Securities, FV-NI	155	92
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Fair Value, Inputs, Level 2 [Member] | Designated as Hedging Instrument [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	9
Fair Value, Inputs, Level 2 [Member] | US Treasury Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	13,559	13,385
Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps For Customers [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	69	40
Other Liabilities, Fair Value Disclosure	22	36
Fair Value, Inputs, Level 2 [Member] | Private Equity Funds [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member] | Bank-owned life insurance [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	518	516
Fair Value, Inputs, Level 2 [Member] | Available-for-sale Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	1,283	1,291
Fair Value, Inputs, Level 2 [Member] | Derivative [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Liabilities, Fair Value Disclosure		1
Fair Value, Inputs, Level 2 [Member] | Asset-backed Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	22	21
Fair Value, Inputs, Level 3 [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	0	0
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | US Treasury Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Interest-Only-Strip [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Assets, Fair Value Disclosure	17	18
Fair Value, Inputs, Level 3 [Member] | Private Equity Funds [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	107	102
Assets, Fair Value Disclosure	0	1
Fair Value, Inputs, Level 3 [Member] | Available-for-sale Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | Asset-backed Securities [Member]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Investments, Fair Value Disclosure

XML

Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis Using Level 3 Inputs) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	$ 107		$ 95
Other Liabilities, Fair Value Disclosure	107		95
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	102	$ 95
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	1	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	4	5
Fair value of assets, Ending balance	107	100
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	18	18
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	(1)	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	0
Fair value of assets, Ending balance	$ 17	$ 18
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure			$ 95

XML

Fair Value (Schedule Of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	$ 16,051		$ 15,619
Other Assets, Fair Value Disclosure	107		95
Other Liabilities, Fair Value Disclosure	107		95
Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value	107	$ 100	102	$ 95
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	1	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	4	5
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value	17	18	18	$ 18
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	$ 0
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	2		32
Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		1
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	1		0
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	3		33
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure			95
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 1 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 1 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	2		32
Fair Value, Inputs, Level 2 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 2 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	1		0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	3		32
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 3 [Member] | Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		1
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	$ 0		$ 1

XML

Fair Value (Schedule Of Assets With Fair Value Changes On Nonrecurring Basis) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Principal amount of other real estate owned property sold	$ 1
Gains (losses) from fair value changes	(4)	$ (5)
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(4)	(4)
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	0	0
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	$ 0	$ (1)

XML

Fair Value (Schedule Of Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity, fair value	$ 762
Long-term Debt	1,228	$ 724
Fair Value, Inputs, Level 2 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt Securities, Held-to-maturity	764	774
Time deposits	4,928	4,336
Long-term Debt	1,228	724
Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	47,178	46,312
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity, fair value	762	767
Time deposits	4,921	4,319
Long-term Debt	1,240	727
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 46,197	$ 45,251

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Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Federal Funds Sold and Securities Borrowed or Purchased under Agreements to Resell [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	$ 438	$ 1,461
Gross amounts recognized	739	1,461
Gross amounts offset in the balance sheet	(301)	0
Net amounts presented in the balance sheet	438	1,461
Gross amounts not offset in the balance sheet	0	0
Cash Collateral Received/Pledged	0	0
Derivative Financial Instruments, Assets [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	56	7
Gross amounts recognized	82	45
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	82	45
Gross amounts not offset in the balance sheet	(21)	(35)
Cash Collateral Received/Pledged	(5)	(3)
Assets, Total [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	494	1,468
Gross amounts recognized	821	1,506
Gross amounts offset in the balance sheet	(301)	0
Net amounts presented in the balance sheet	520	1,506
Gross amounts not offset in the balance sheet	(21)	(35)
Cash Collateral Received/Pledged	(5)	(3)
Federal Funds Purchased and Securities Sold under Agreements to Repurchase [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	4,944	5,653
Gross amounts recognized	5,245	5,653
Gross amounts offset in the balance sheet	(301)	0
Net amounts presented in the balance sheet	4,944	5,653
Gross amounts not offset in the balance sheet	0	0
Cash Collateral Received/Pledged	0	0
Derivative Financial Instruments, Liabilities [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	4	3
Gross amounts recognized	25	39
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	25	39
Gross amounts not offset in the balance sheet	(21)	(35)
Cash Collateral Received/Pledged	0	(1)
Liabilities, Total [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	4,948	5,656
Gross amounts recognized	5,270	5,692
Gross amounts offset in the balance sheet	(301)	0
Net amounts presented in the balance sheet	4,969	5,692
Gross amounts not offset in the balance sheet	(21)	(35)
Cash Collateral Received/Pledged	$ 0	$ (1)

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Investment Securities (Narrative) (Details) $ in Millions	Mar. 31, 2019 USD ($) Securities	Dec. 31, 2018 USD ($) Securities
Investment [Line Items]
Other Real Estate, Foreclosed Assets, Residential Real Estate | $	$ 1	$ 2
Number of HTM investment securities in an unrealized loss position | Securities	464	606
Number of AFS investment securities in an unrealized loss position | Securities	1,891	2,588
Carrying value of pledged securities | $	$ 3,100

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Investment Securities (Summary Of Investment Securities) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Investment [Line Items]
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost	$ 252
Held-to-maturity, fair value	762
Debt Securities, Available-for-sale, Amortized Cost	15,045	$ 15,040
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I		23
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I		326
Debt Securities, Available-for-sale	14,904	14,737
Available-for-sale Securities, Gross Unrealized Gain	55
Available-for-sale, Amortized cost	15,045
Available-for-sale, Gross unrealized losses, Recognized in OCI	196
Available-for-sale securities, Estimated fair value	14,904	14,737
amortized cost of investment securities	15,809	15,814
Gross Unrealized Gains of Investment Securities Recognized in OCI	59	27
Gross Unrealized Losses of Investment Securities Recognized in OCI	202	337
Estimated Fair Value of Investment Securities	15,666	15,504
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	252
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	2,147
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	2,125
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost	329
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	328
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	5,984
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	5,928
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost	132
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	132
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	4,441
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	4,406
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost	51
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	50
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	2,473
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	2,445
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Amortized Cost	764
Available-for-sale, Other debt securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	25	25
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	0	0
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	3	4
Debt Securities, Available-for-sale	22	21
Small Business Administration Loan Backed Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	1,919	2,042
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	1	1
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	43	47
Debt Securities, Available-for-sale	1,877	1,996
Agency Guaranteed Mortgage Backed Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	10,384	10,236
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	36	18
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	136	240
Debt Securities, Available-for-sale	10,284	10,014
Agency Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	1,407	1,394
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	2	0
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	11	19
Debt Securities, Available-for-sale	1,398	1,375
US Treasury Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	40	40
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	0	0
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	0	0
Debt Securities, Available-for-sale	40	40
US States and Political Subdivisions Debt Securities [Member]
Investment [Line Items]
Held-to-maturity, fair value	762	767
Held-to-maturity, Amortized cost	764	774
Debt Securities, Available-for-sale, Amortized Cost	1,270	1,303
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	16	4
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	3	16
Debt Securities, Available-for-sale	1,283	1,291
Held-to-maturity Securities, Unrecognized Holding Gain (Deprecated 2018-01-31)	4	4
Held-to-maturity Securities, Unrecognized Holding Loss (Deprecated 2018-01-31)	$ 6	$ 11

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Investment Securities (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost	$ 252
Held-to-maturity, Due in one year or less, Estimated fair value	252
Held-to-maturity, Due after one year through five years, Amortized cost	329
Held-to-maturity, Due after one year through five years, Estimated fair value	328
Held-to-maturity, Due after five years through ten years, Amortized cost	132
Held-to-maturity, Due after five years through ten years, Estimated fair value	132
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost	51
Held-to-maturity, Due after ten years, Estimated fair value	50
Held-to-maturity, Amortized cost	764
Held-to-maturity, fair value	762
Available-for-sale, Due in one year or less, Amortized cost	2,147
Available-for-sale, Due in one year or less, Estimated fair value	2,125
Available-for-sale, Due after one year through five years, Amortized cost	5,984
Available-for-sale, Due after one year through five years, Estimated fair value	5,928
Available-for-sale, Due after five years through ten years, Amortized cost	4,441
Available-for-sale, Due after five years through ten years, Estimated fair value	4,406
Available-for-sale, Due after ten years, Amortized cost	2,473
Available-for-sale, Due after ten years, Estimated fair value	2,445
Available-for-sale, Amortized cost	15,045	$ 15,040
Available-for-sale, Estimated fair value	$ 14,904	$ 14,737

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Investment Securities (Summary Of Amount Of Gross Unrealized Losses For Debt Securities And Estimated Fair Value) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Available-for-sale, Unrealized losses, Other [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 0	$ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	3	4
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	12	11
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	3	4
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	12	11
US States and Political Subdivisions Debt Securities [Member]
Investment [Line Items]
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	1
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	24	86
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	6	10
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	415	438
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	6	11
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	439	524
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	40	266
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	3	14
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	458	641
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	3	16
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	498	907
Small Business Administration Loan Backed Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	13	19
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	876	1,180
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	30	28
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	898	711
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	43	47
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	1,774	1,891
Agency Guaranteed Mortgage Backed Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2	16
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	270	1,081
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	134	224
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,799	6,661
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	136	240
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	7,069	7,742
Agency Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	46	245
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	11	17
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	994	913
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	11	19
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$ 1,040	$ 1,158

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Investment Securities (Gains And Losses, Including OTTI, Recognized In Statement Of Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Investments [Abstract]
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	$ 4	$ 1
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	3	1
Gain (Loss) on Investments	$ 1	$ 0

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Investment Securities Taxable and Nontaxable Interest Income by Investment Type (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Noninterest Income	$ 96	$ 86
Taxable [Member]
Noninterest Income	85	75
Nontaxable [Member]
Noninterest Income	11	11
Held-to-maturity Securities [Member]
Noninterest Income	6	6
Held-to-maturity Securities [Member] | Taxable [Member]
Noninterest Income	2	2
Held-to-maturity Securities [Member] | Nontaxable [Member]
Noninterest Income	4	4
Available-for-sale Securities [Member]
Noninterest Income	89	79
Available-for-sale Securities [Member] | Taxable [Member]
Noninterest Income	83	73
Available-for-sale Securities [Member] | Nontaxable [Member]
Noninterest Income	6	6
Other Trading [Member]
Noninterest Income	1	1
Other Trading [Member] | Taxable [Member]
Noninterest Income	0	0
Other Trading [Member] | Nontaxable [Member]
Noninterest Income	$ 1	$ 1

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Investment Securities Noncredit impairment recognized in Accumulated Other Comprehensive Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Noncredit related impairment losses [Line Items]
Investment Income, Interest	$ 96	$ 86
Available-for-sale Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	89	79
Held-to-maturity Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	6	6
Taxable [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	85	75
Taxable [Member] | Available-for-sale Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	83	73
Taxable [Member] | Held-to-maturity Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	2	2
Nontaxable [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	11	11
Nontaxable [Member] | Available-for-sale Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	6	6
Nontaxable [Member] | Held-to-maturity Securities [Member]
Noncredit related impairment losses [Line Items]
Investment Income, Interest	$ 4	$ 4

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Loans And Allowance For Credit Losses (Narrative) (Details) $ in Millions		3 Months Ended
		Mar. 31, 2019 USD ($) d		Mar. 31, 2018 USD ($)	Dec. 31, 2018 USD ($)	Dec. 31, 2017 USD ($)
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		$ 14,758			$ 14,513
Impaired Financing Receivable, Average Recorded Investment		250		$ 379
Impaired Financing Receivable, Interest Income, Accrual Method		1		8
Impaired Financing Receivable, Recorded Investment		238			261
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		9			9
Loans Modified As Troubled Debt Restructurings Loans		73		111
Unfunded Lending Commitments on Troubled Debt Restructuring		11
Loans and Leases Receivable, Gross		47,606			46,714
Financing Receivable, Recorded Investment, Current		47,360			46,539
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5		2
Unearned income and fees, net of related costs		51			50
Land Development Loans		231			237
Loans at carrying value pledged as collateral for current and potential borrowings		23,000			23,000
Payments for Origination and Purchases of Loans Held-for-sale		93		165
Principal Balance of Loans Sold, Serviced Loans		2,200
Loans and Leases Receivable, Gain (Loss) on Sales, Net		2		3
Principle amount of loans held for sale sold		$ 118		106
Minimum number of days past due for nonaccrual status | d		90
Recorded investment in TDR loans modified with interest rates below market		$ 80			88
Provision for Loan and Lease Losses		2		(40)
Provision for Unfunded Lending Commitments (decrease)		2		(7)
Other Real Estate, Foreclosed Assets, and Repossessed Assets		1			2
Other Real Estate, In Process of Forecloseing Assets		9			10
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		167			89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		79			86
Financing Receivable, Recorded Investment, Past Due		246			175
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		8			10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	138			145
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		488			486
Loans and Leases Receivable, Allowance		497		473	495	$ 518
Financing Receivable, Individually Evaluated for Impairment		268			291
Financing Receivable, Collectively Evaluated for Impairment		47,338			46,423
Loan Credit Quality Outstanding, Leasing		312			327
Commercial Lending Loans - Owner Occupied		7,754			7,661
Loans Credit Quality Outstanding, Municipal		1,774			1,661
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,343			2,186
Commercial Real Estate Term Loans		9,187			8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,530			11,125
Loans Credit Quality Outstanding, Home Equity Credit Line		2,884			2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,294			7,176
Loans Credit Quality Outstanding, Construction and Other		636			643
Loans Credit Quality Outstanding, Bankcard		489			491
Loans Credit Quality Outstanding, Other		175			180
Impaired Financing Receivable, Related Allowance		8			8
Impaired Financing Receivable, Unpaid Principal Balance		275			310
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		1		1
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		1			1
Financing Receivable, Recorded Investment, Nonaccrual Status		1			1
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		1			1
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		2		2
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		2			1
Financing Receivable, Recorded Investment, Nonaccrual Status		2			0
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		2			1
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		55		55
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		53			57
Financing Receivable, Recorded Investment, Nonaccrual Status		45			42
Impaired Financing Receivable, Related Allowance		2			2
Impaired Financing Receivable, Unpaid Principal Balance		63			69
Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		79
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Financing Receivable, Recorded Investment, Nonaccrual Status		72			82
Impaired Financing Receivable, Related Allowance		5			4
Impaired Financing Receivable, Unpaid Principal Balance		99			112
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		14		20
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		15			14
Financing Receivable, Recorded Investment, Nonaccrual Status		11			13
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		15			15
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		71		77
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		70			72
Financing Receivable, Recorded Investment, Nonaccrual Status		58			56
Impaired Financing Receivable, Related Allowance		2			2
Impaired Financing Receivable, Unpaid Principal Balance		80			85
Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,758			14,513
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		6			6
Loans and Leases Receivable, Gross		$ 24,598			24,162
Subsequent payment default period, number of days | d		90
Provision for Loan and Lease Losses		$ (1)		(40)
Provision for Unfunded Lending Commitments (decrease)		2		(8)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		322			325
Loans and Leases Receivable, Allowance		328		329	331	371
Financing Receivable, Individually Evaluated for Impairment					164
Financing Receivable, Collectively Evaluated for Impairment					23,998
Loan Credit Quality Outstanding, Leasing		312			327
Commercial Lending Loans - Owner Occupied		7,754			7,661
Loans Credit Quality Outstanding, Municipal		1,774			1,661
Loans and Leases Receivable, before Fees, Gross		24,598			24,162
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		0		0
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		0			0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		2			2
Loans and Leases Receivable, Gross		$ 11,478			11,427
Subsequent payment default period, number of days | d		60
Provision for Loan and Lease Losses		$ 2		1
Provision for Unfunded Lending Commitments (decrease)		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status		0			0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		54			52
Loans and Leases Receivable, Allowance		56		40	54	44
Financing Receivable, Individually Evaluated for Impairment					72
Financing Receivable, Collectively Evaluated for Impairment					11,355
Loans and Leases Receivable, before Fees, Gross		11,478			11,427
Loans Credit Quality Outstanding, Home Equity Credit Line		2,884			2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,294			7,176
Loans Credit Quality Outstanding, Construction and Other		636			643
Loans Credit Quality Outstanding, Bankcard		489			491
Loans Credit Quality Outstanding, Other		175			180
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		0			0
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		35		62
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		35			40
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment					1
Loans and Leases Receivable, Gross		11,530			11,125
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Financing Receivable, Recorded Investment, Nonaccrual Status		33			38
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment					109
Loans and Leases Receivable, Allowance		113			110
Financing Receivable, Individually Evaluated for Impairment					55
Financing Receivable, Collectively Evaluated for Impairment					11,070
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		39			45
Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		0		5
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment					0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		1
Provision for Loan and Lease Losses		1		(1)
Provision for Unfunded Lending Commitments (decrease)		0		1
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		112
Loans and Leases Receivable, Allowance		113		104	110	$ 103
Land Development Loans, Loans Receivable Commercial Construction and Land Development					2,186
Commercial Real Estate Term Loans		9,187			8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,530			11,125
Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1			0
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,343
Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		0			1
Bankcard And Other Revolving Plans [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		0			1
Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		60		91
Impaired Financing Receivable, Interest Income, Accrual Method		0		8
Impaired Financing Receivable, Recorded Investment		53			60
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Financing Receivable, Recorded Investment, Nonaccrual Status		69			67
Impaired Financing Receivable, Related Allowance		1			2
Impaired Financing Receivable, Unpaid Principal Balance		56			67
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment		35		57
Impaired Financing Receivable, Interest Income, Accrual Method		0		0
Impaired Financing Receivable, Recorded Investment		35			40
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Financing Receivable, Recorded Investment, Nonaccrual Status		32			38
Impaired Financing Receivable, Related Allowance		0			0
Impaired Financing Receivable, Unpaid Principal Balance		39			44
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,478			11,427
Financing Receivable, Recorded Investment, Current		11,430			11,378
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		22			23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26			26
Financing Receivable, Recorded Investment, Past Due		48			49
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1			2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24			23
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		175			180
Financing Receivable, Recorded Investment, Current					179
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					0
Financing Receivable, Recorded Investment, Past Due		1			1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Consumer Portfolio Segment [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		174
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0
Finance Leases Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		312			327
Financing Receivable, Recorded Investment, Current					325
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					1
Financing Receivable, Recorded Investment, Past Due		1			2
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		7,754			7,661
Financing Receivable, Recorded Investment, Current					7,621
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					17
Financing Receivable, Recorded Investment, Past Due		52			40
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					3
Owner Occupied [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,702
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		19
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	45			48
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		1,774			1,661
Financing Receivable, Recorded Investment, Current					1,661
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					0
Financing Receivable, Recorded Investment, Past Due		0			0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Municipal [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		1,774
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1			1
Commercial Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		24,598			24,162
Financing Receivable, Recorded Investment, Current		24,433			24,052
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		119			61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		46			49
Financing Receivable, Recorded Investment, Past Due		165			110
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5			7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	90			96
Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,343			2,186
Financing Receivable, Recorded Investment, Current					2,185
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					0
Financing Receivable, Recorded Investment, Past Due		10			1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,333
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		9
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		9,187			8,939
Financing Receivable, Recorded Investment, Current					8,924
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					11
Financing Receivable, Recorded Investment, Past Due		23			15
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					1
Term [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		9,164
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		17
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24			26
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,530			11,125
Financing Receivable, Recorded Investment, Current		11,497			11,109
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		26			5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		7			11
Financing Receivable, Recorded Investment, Past Due		33			16
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2			1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24			26
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,884			2,937
Financing Receivable, Recorded Investment, Current					2,927
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					6
Financing Receivable, Recorded Investment, Past Due		9			10
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Home Equity Line of Credit [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,875
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	5			4
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		7,294			7,176
Financing Receivable, Recorded Investment, Current					7,143
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					15
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					18
Financing Receivable, Recorded Investment, Past Due		34			33
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
One Through Four Family Residential [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,260
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		13
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17			19
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		636			643
Financing Receivable, Recorded Investment, Current					642
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					0
Financing Receivable, Recorded Investment, Past Due		0			1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					0
Construction And Other Consumer Real Estate [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		636
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	2			0
Revolving Credit Facility [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		489			491
Financing Receivable, Recorded Investment, Current					487
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due					2
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due					2
Financing Receivable, Recorded Investment, Past Due		4			4
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing					2
Revolving Credit Facility [Member] | Bankcard And Other Revolving Plans [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		485
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0
Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		98			112
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		35			39
Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		26			28
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		12			12
Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		48			52
Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			11
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0
Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			21
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			11
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		174			202
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5		2
Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			9
Nonaccruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		32			45
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		76			90
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			10
Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		20			20
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2
Nonaccruing [Member] | Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment				0
Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		13			14
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		20			20
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		$ 0
Outstanding Loan Balances [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		148
Financing Receivable, Collectively Evaluated for Impairment		24,450
Outstanding Loan Balances [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		70
Financing Receivable, Collectively Evaluated for Impairment		11,408
Outstanding Loan Balances [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		50
Financing Receivable, Collectively Evaluated for Impairment		11,480
Pass [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		46,360			45,589
Pass [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,047			13,891
Loan Credit Quality Outstanding, Leasing		299			313
Commercial Lending Loans - Owner Occupied		7,448			7,369
Loans Credit Quality Outstanding, Municipal		1,745			1,632
Loans and Leases Receivable, before Fees, Gross		23,539			23,205
Pass [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,407			11,357
Loans Credit Quality Outstanding, Home Equity Credit Line		2,868			2,920
Loans Credit Quality Outstanding, 1-4 Family Residential		7,245			7,129
Loans Credit Quality Outstanding, Construction and Other		633			641
Loans Credit Quality Outstanding, Bankcard		487			488
Loans Credit Quality Outstanding, Other		174			179
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development					2,174
Commercial Real Estate Term Loans		9,080			8,853
Loans Credit Quality Outstanding, Commercial Real Estate		11,414			11,027
Pass [Member] | Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,334
Special Mention [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		517			427
Special Mention [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		389			322
Loan Credit Quality Outstanding, Leasing		10			10
Commercial Lending Loans - Owner Occupied		82			72
Loans Credit Quality Outstanding, Municipal		2			2
Loans and Leases Receivable, before Fees, Gross		483			406
Special Mention [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		0			0
Loans Credit Quality Outstanding, Home Equity Credit Line		0			0
Loans Credit Quality Outstanding, 1-4 Family Residential		0			0
Loans Credit Quality Outstanding, Construction and Other		0			0
Loans Credit Quality Outstanding, Bankcard		0			0
Loans Credit Quality Outstanding, Other		0			0
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development					11
Commercial Real Estate Term Loans		34			10
Loans Credit Quality Outstanding, Commercial Real Estate		34			21
Special Mention [Member] | Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development		0
Substandard [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		729			698
Substandard [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		322			300
Loan Credit Quality Outstanding, Leasing		3			4
Commercial Lending Loans - Owner Occupied		224			220
Loans Credit Quality Outstanding, Municipal		27			27
Loans and Leases Receivable, before Fees, Gross		576			551
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		71			70
Loans Credit Quality Outstanding, Home Equity Credit Line		16			17
Loans Credit Quality Outstanding, 1-4 Family Residential		49			47
Loans Credit Quality Outstanding, Construction and Other		3			2
Loans Credit Quality Outstanding, Bankcard		2			3
Loans Credit Quality Outstanding, Other		1			1
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development					1
Commercial Real Estate Term Loans		73			76
Loans Credit Quality Outstanding, Commercial Real Estate		82			77
Substandard [Member] | Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development		9
Doubtful [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		0			0
Doubtful [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		0			0
Loan Credit Quality Outstanding, Leasing		0			0
Commercial Lending Loans - Owner Occupied		0			0
Loans Credit Quality Outstanding, Municipal		0			0
Loans and Leases Receivable, before Fees, Gross		0			0
Doubtful [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		0			0
Loans Credit Quality Outstanding, Home Equity Credit Line		0			0
Loans Credit Quality Outstanding, 1-4 Family Residential		0			0
Loans Credit Quality Outstanding, Construction and Other		0			0
Loans Credit Quality Outstanding, Bankcard		0			0
Loans Credit Quality Outstanding, Other		0			0
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development					0
Commercial Real Estate Term Loans		0			0
Loans Credit Quality Outstanding, Commercial Real Estate		0			0
Doubtful [Member] | Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development		0
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		497			495
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		56
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		328			331
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross					54
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial Real Estate		113			110
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		153			166
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		1			1
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0			1
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		30			32
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		35			52
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		12			12
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		42			45
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0			0
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		33			37
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0			0
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		42			31
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		33			37
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		2
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		23
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		3
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		11
Impaired Financing Receivable Recorded Investment With an Allowance [Member] [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		2
Impaired Financing Receivable Related Allowance [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		85			95
Impaired Financing Receivable Related Allowance [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					0
Impaired Financing Receivable Related Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					0
Impaired Financing Receivable Related Allowance [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					25
Impaired Financing Receivable Related Allowance [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		44			36
Impaired Financing Receivable Related Allowance [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					2
Impaired Financing Receivable Related Allowance [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		28			27
Impaired Financing Receivable Related Allowance [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					0
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		2			3
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					0
Impaired Financing Receivable Related Allowance [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					29
Impaired Financing Receivable Related Allowance [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					3
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	18			18
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	1			1
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	0			0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	25			45
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7			27
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	1			1
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	3			14
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]				2
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]				14
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0	[2]		0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1	[2]		1
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		14	[2]		15
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0	[2]		0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	0
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	3
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	0
Multiple Modification Types [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	45			59
Multiple Modification Types [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	27			32
Multiple Modification Types [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	5			6
Multiple Modification Types [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Multiple Modification Types [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					14
Multiple Modification Types [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					6
Multiple Modification Types [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	95			100
Multiple Modification Types [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Multiple Modification Types [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	50			41
Multiple Modification Types [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	7			7
Multiple Modification Types [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	12			1
Multiple Modification Types [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]				5
Multiple Modification Types [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]				1
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0	[3]		1
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		25	[3]		28
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		6	[3]		7
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2	[3]		3
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	0
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	7
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	5
Interest Rate Below Market [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		8			8
Interest Rate Below Market [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Interest Rate Below Market [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			2
Interest Rate Below Market [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Interest Rate Below Market [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					3
Interest Rate Below Market [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Interest Rate Below Market [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		18			18
Interest Rate Below Market [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Interest Rate Below Market [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			10
Interest Rate Below Market [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Interest Rate Below Market [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			3
Interest Rate Below Market [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					6
Interest Rate Below Market [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					3
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		4
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Maturity Or Team Extension [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			11
Maturity Or Team Extension [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			3
Maturity Or Team Extension [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Maturity Or Team Extension [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Maturity Or Team Extension [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Maturity Or Team Extension [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		14			17
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			6
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			0
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			2
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			4
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2
Principal Forgiveness [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			14
Principal Forgiveness [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			14
Principal Forgiveness [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		17			16
Principal Forgiveness [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Principal Forgiveness [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Principal Forgiveness [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			6
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			8
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Payment Deferral [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Payment Deferral [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Payment Deferral [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Payment Deferral [Member] | Accruing [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Payment Deferral [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		5			6
Payment Deferral [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			4
Payment Deferral [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Payment Deferral [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Payment Deferral [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			$ 0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 1

[1] 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

[2] 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.

[3] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

XML

Loans And Allowance For Credit Losses (Summary Of Major Portfolio Segment And Specific Loan Class) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	$ 497	$ 473
Loans held for sale	69		$ 93
Loans Credit Quality Outstanding, Commercial And Industrial	14,758		14,513
Loan Credit Quality Outstanding, Leasing	312		327
Owner occupied	7,754		7,661
Loans Credit Quality Outstanding, Municipal	1,774		1,661
Land Development Loans, Loans Receivable Commercial Construction and Land Development	2,343		2,186
Term	9,187		8,939
Loans Credit Quality Outstanding, Commercial Real Estate	11,530		11,125
Provision for loan losses	(2)	40
Allowance for Loan and Lease Losses, Write-offs	12	26
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	12	21
Net loan and lease charge-offs	0	5
Reserve for unfunded lending commitments	59	51	57	$ 58
Provision for Unfunded Lending Commitments (decrease)	2	(7)
Allowance for loan and lease losses and reserve for unfunded lending commitments	556	$ 524
Loans Credit Quality Outstanding, Home Equity Credit Line	2,884		2,937
Loans Credit Quality Outstanding, 1-4 Family Residential	7,294		7,176
Loans Credit Quality Outstanding, Construction and Other	636		643
Loans Credit Quality Outstanding, Bankcard	489		491
Loans Credit Quality Outstanding, Other	175		180
Loans and Leases Receivable, Gross	47,606		46,714
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross	24,598		24,162
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross	$ 11,478		$ 11,427

XML

Loans And Allowance For Credit Losses (Summary Of Changes In The Allowance For Credit Losses) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	$ (2)	$ 40
Allowance for Loan and Lease Losses, Write-offs	12	26
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	495	518
Allowance for Loan and Lease Losses, Adjustments, Other	0	5
Balance at end of period	59	51
Allowance for loan losses	495	518	$ 497	$ 495	$ 473	$ 518
Reserve for unfunded lending commitments	59	51	59	57	51	58
Allowance for loan and lease losses and reserve for unfunded lending commitments			556		524
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	12	21
Provision for Unfunded Lending Commitments (decrease)	2	(7)
Balance at end of period	497	473
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	1	40
Allowance for Loan and Lease Losses, Write-offs	8	20
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	331	371
Allowance for Loan and Lease Losses, Adjustments, Other	2	2
Balance at end of period	42	40
Allowance for loan losses	331	371	328	331	329	371
Reserve for unfunded lending commitments	42	40	42	40	40	48
Allowance for loan and lease losses and reserve for unfunded lending commitments			370		369
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	6	18
Provision for Unfunded Lending Commitments (decrease)	2	(8)
Balance at end of period	328	329
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(1)	1
Allowance for Loan and Lease Losses, Write-offs	1	0
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	110	103
Allowance for Loan and Lease Losses, Adjustments, Other	(2)	(2)
Balance at end of period	17	11
Allowance for loan losses	110	103	113	110	104	103
Reserve for unfunded lending commitments	17	11	17	17	11	10
Allowance for loan and lease losses and reserve for unfunded lending commitments			130		115
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3	2
Provision for Unfunded Lending Commitments (decrease)	0	1
Balance at end of period	113	104
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	(2)	(1)
Allowance for Loan and Lease Losses, Write-offs	3	6
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	54	44
Allowance for Loan and Lease Losses, Adjustments, Other	0	5
Balance at end of period	0	0
Allowance for loan losses	54	44	56	54	40	44
Reserve for unfunded lending commitments	0	0	0	$ 0	0	$ 0
Allowance for loan and lease losses and reserve for unfunded lending commitments			$ 56		$ 40
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3	1
Provision for Unfunded Lending Commitments (decrease)	0	0
Balance at end of period	$ 56	$ 40

XML

Loans And Allowance For Credit Losses (Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	$ 250	$ 379
Impaired Financing Receivable, Interest Income, Accrual Method	1	8
Allowance for loan losses: Individually evaluated for impairment	(9)		$ (9)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	488		486
Financing Receivable, Individually Evaluated for Impairment	268		291
Financing Receivable, Collectively Evaluated for Impairment	47,338		46,423
Loans and Leases Receivable, Gross	47,606		46,714
Loans and Leases Receivable, Allowance	497	473	495	$ 518
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	60	91
Impaired Financing Receivable, Interest Income, Accrual Method	0	8
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Individually evaluated for impairment	(6)		(6)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	322		325
Financing Receivable, Individually Evaluated for Impairment			164
Financing Receivable, Collectively Evaluated for Impairment			23,998
Loans and Leases Receivable, Gross	24,598		24,162
Loans and Leases Receivable, Allowance	328	329	331	371
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	5
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Allowance for loan losses: Individually evaluated for impairment	(1)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	112
Loans and Leases Receivable, Allowance	113	104	110	103
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	0
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Allowance for loan losses: Individually evaluated for impairment	(2)		(2)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	54		52
Financing Receivable, Individually Evaluated for Impairment			72
Financing Receivable, Collectively Evaluated for Impairment			11,355
Loans and Leases Receivable, Gross	11,478		11,427
Loans and Leases Receivable, Allowance	56	40	54	$ 44
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	144	240
Impaired Financing Receivable, Interest Income, Accrual Method	1	8
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	35	57
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	35	62
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Allowance for loan losses: Individually evaluated for impairment			(1)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment			109
Financing Receivable, Individually Evaluated for Impairment			55
Financing Receivable, Collectively Evaluated for Impairment			11,070
Loans and Leases Receivable, Gross	11,530		11,125
Loans and Leases Receivable, Allowance	113		$ 110
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	14	20
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	55	55
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	2	2
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	71	77
Impaired Financing Receivable, Interest Income, Accrual Method	0	0
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	1	1
Impaired Financing Receivable, Interest Income, Accrual Method	0	$ 0
Outstanding Loan Balances [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	148
Financing Receivable, Collectively Evaluated for Impairment	24,450
Outstanding Loan Balances [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	50
Financing Receivable, Collectively Evaluated for Impairment	11,480
Outstanding Loan Balances [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	70
Financing Receivable, Collectively Evaluated for Impairment	$ 11,408

XML

Loans And Allowance For Credit Losses (Summary Of Nonaccrual Loans) (Details) - USD ($) $ in Millions		Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	[1]	$ 138	$ 145
loans held for sale [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		0	6
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		0	0
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		1	2
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		69	67
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		1	1
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		143	152
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		32	38
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		33	38
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		11	13
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		45	42
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		2	0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		58	56
Financing Receivables, Total [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		$ 234	$ 246

[1] 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

XML

Loans And Allowance For Credit Losses (Summary Of Past Due Loans (Accruing And Nonaccruing)) (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 5	$ 2
Financing Receivable, Recorded Investment, Current		47,360		$ 46,539
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		167		89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		79		86
Financing Receivable, Recorded Investment, Past Due		246		175
Loans and Leases Receivable, Gross		47,606		46,714
Accruing loans 90+ days past due		8		10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	138		145
Bankcard And Other Revolving Plans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		0		1
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	1
Financing Receivable, Recorded Investment, Nonaccrual Status		72		82
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		24,598		24,162
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	2
Financing Receivable, Recorded Investment, Nonaccrual Status		143		152
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,478		11,427
Financing Receivable, Recorded Investment, Nonaccrual Status		0		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		58		56
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1		2
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1
Financing Receivable, Recorded Investment, Nonaccrual Status		69		67
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1		1
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2	0
Financing Receivable, Recorded Investment, Nonaccrual Status		32		38
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2	0
Loans and Leases Receivable, Gross		11,530		11,125
Financing Receivable, Recorded Investment, Nonaccrual Status		33		38
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		11		13
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		45		42
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		2		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,430		11,378
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		22		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26		26
Financing Receivable, Recorded Investment, Past Due		48		49
Loans and Leases Receivable, Gross		11,478		11,427
Accruing loans 90+ days past due		1		2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		23
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				179
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		1		1
Loans and Leases Receivable, Gross		175		180
Accruing loans 90+ days past due				0
Consumer Portfolio Segment [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		174
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0
Revolving Credit Facility [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				487
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				2
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				2
Financing Receivable, Recorded Investment, Past Due		4		4
Loans and Leases Receivable, Gross		489		491
Accruing loans 90+ days past due				2
Revolving Credit Facility [Member] | Bankcard And Other Revolving Plans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		485
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Accruing loans 90+ days past due		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				642
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		0		1
Loans and Leases Receivable, Gross		636		643
Accruing loans 90+ days past due				0
Construction And Other Consumer Real Estate [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		636
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	2		0
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				7,143
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				15
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				18
Financing Receivable, Recorded Investment, Past Due		34		33
Loans and Leases Receivable, Gross		7,294		7,176
Accruing loans 90+ days past due				0
One Through Four Family Residential [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,260
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		13
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17		19
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				2,927
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				6
Financing Receivable, Recorded Investment, Past Due		9		10
Loans and Leases Receivable, Gross		2,884		2,937
Accruing loans 90+ days past due				0
Home Equity Line of Credit [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,875
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	5		4
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,497		11,109
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		26		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		7		11
Financing Receivable, Recorded Investment, Past Due		33		16
Loans and Leases Receivable, Gross		11,530		11,125
Accruing loans 90+ days past due		2		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		26
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				8,924
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				11
Financing Receivable, Recorded Investment, Past Due		23		15
Loans and Leases Receivable, Gross		9,187		8,939
Accruing loans 90+ days past due				1
Term [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		9,164
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		17
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6
Accruing loans 90+ days past due		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		26
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				2,185
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		10		1
Loans and Leases Receivable, Gross		2,343		2,186
Accruing loans 90+ days past due				0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,333
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		9
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Accruing loans 90+ days past due		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		24,433		24,052
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		119		61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		46		49
Financing Receivable, Recorded Investment, Past Due		165		110
Loans and Leases Receivable, Gross		24,598		24,162
Accruing loans 90+ days past due		5		7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	90		96
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				1,661
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		0		0
Loans and Leases Receivable, Gross		1,774		1,661
Accruing loans 90+ days past due				0
Municipal [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		1,774
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1		1
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				7,621
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				17
Financing Receivable, Recorded Investment, Past Due		52		40
Loans and Leases Receivable, Gross		7,754		7,661
Accruing loans 90+ days past due				3
Owner Occupied [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,702
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		19
Accruing loans 90+ days past due		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	45		48
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				325
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				1
Financing Receivable, Recorded Investment, Past Due		1		2
Loans and Leases Receivable, Gross		312		327
Accruing loans 90+ days past due				0
Finance Leases Portfolio Segment [Member] | Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		311
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Accruing loans 90+ days past due		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	1		1
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				14,445
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				37
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				31
Financing Receivable, Recorded Investment, Past Due		112		68
Loans and Leases Receivable, Gross		14,758		14,513
Accruing loans 90+ days past due				4
Commercial And Industrial [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		14,646
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		86
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26
Accruing loans 90+ days past due		4
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	43		46
loans held for sale [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		69		89
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		4
Financing Receivable, Recorded Investment, Past Due		0		4
Loans and Leases Receivable, Gross		69		93
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		$ 2
Accruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0
Nonaccruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5	2
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	1
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	2
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	1
Nonaccruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2	$ 0
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 2

[1] 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

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Loans And Allowance For Credit Losses (Summary Of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators) (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		$ 14,758		$ 14,513
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5	$ 2
Financing Receivable, Recorded Investment, Current		47,360		46,539
Loans held for sale		69		93
Loan Credit Quality Outstanding, Leasing		312		327
Owner occupied		7,754		7,661
Municipal		1,774		1,661
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,343		2,186
Term		9,187		8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,530		11,125
Loans Credit Quality Outstanding, Home Equity Credit Line		2,884		2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,294		7,176
Loans Credit Quality Outstanding, Construction and Other		636		643
Loans Credit Quality Outstanding, Bankcard		489		491
Other		175		180
Loans and Leases Receivable, Gross		47,606		46,714
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		167		89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		79		86
Financing Receivable, Recorded Investment, Past Due		246		175
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		8		10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	138		145
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,478		11,427
Loans Credit Quality Outstanding, Home Equity Credit Line		2,884		2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,294		7,176
Loans Credit Quality Outstanding, Construction and Other		636		643
Loans Credit Quality Outstanding, Bankcard		489		491
Other		175		180
Loans and Leases Receivable, Gross		11,478		11,427
Financing Receivable, Recorded Investment, Nonaccrual Status		0		0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development				2,186
Term		9,187		8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,530		11,125
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,758		14,513
Loan Credit Quality Outstanding, Leasing		312		327
Owner occupied		7,754		7,661
Municipal		1,774		1,661
Loans and Leases Receivable, before Fees, Gross		24,598		24,162
Loans and Leases Receivable, Gross		24,598		24,162
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		46,360		45,589
Pass [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,407		11,357
Loans Credit Quality Outstanding, Home Equity Credit Line		2,868		2,920
Loans Credit Quality Outstanding, 1-4 Family Residential		7,245		7,129
Loans Credit Quality Outstanding, Construction and Other		633		641
Loans Credit Quality Outstanding, Bankcard		487		488
Other		174		179
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development				2,174
Term		9,080		8,853
Loans Credit Quality Outstanding, Commercial Real Estate		11,414		11,027
Pass [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,047		13,891
Loan Credit Quality Outstanding, Leasing		299		313
Owner occupied		7,448		7,369
Municipal		1,745		1,632
Loans and Leases Receivable, before Fees, Gross		23,539		23,205
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		517		427
Special Mention [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		0		0
Loans Credit Quality Outstanding, Home Equity Credit Line		0		0
Loans Credit Quality Outstanding, 1-4 Family Residential		0		0
Loans Credit Quality Outstanding, Construction and Other		0		0
Loans Credit Quality Outstanding, Bankcard		0		0
Other		0		0
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development				11
Term		34		10
Loans Credit Quality Outstanding, Commercial Real Estate		34		21
Special Mention [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		389		322
Loan Credit Quality Outstanding, Leasing		10		10
Owner occupied		82		72
Municipal		2		2
Loans and Leases Receivable, before Fees, Gross		483		406
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		497		495
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross				54
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial Real Estate		113		110
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		328		331
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		0		0
Doubtful [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		0		0
Loans Credit Quality Outstanding, Home Equity Credit Line		0		0
Loans Credit Quality Outstanding, 1-4 Family Residential		0		0
Loans Credit Quality Outstanding, Construction and Other		0		0
Loans Credit Quality Outstanding, Bankcard		0		0
Other		0		0
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development				0
Term		0		0
Loans Credit Quality Outstanding, Commercial Real Estate		0		0
Doubtful [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		0		0
Loan Credit Quality Outstanding, Leasing		0		0
Owner occupied		0		0
Municipal		0		0
Loans and Leases Receivable, before Fees, Gross		0		0
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		729		698
Substandard [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		71		70
Loans Credit Quality Outstanding, Home Equity Credit Line		16		17
Loans Credit Quality Outstanding, 1-4 Family Residential		49		47
Loans Credit Quality Outstanding, Construction and Other		3		2
Loans Credit Quality Outstanding, Bankcard		2		3
Other		1		1
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Land Development Loans, Loans Receivable Commercial Construction and Land Development				1
Term		73		76
Loans Credit Quality Outstanding, Commercial Real Estate		82		77
Substandard [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		322		300
Loan Credit Quality Outstanding, Leasing		3		4
Owner occupied		224		220
Municipal		27		27
Loans and Leases Receivable, before Fees, Gross		576		551
loans held for sale [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		69		89
Loans and Leases Receivable, Gross		69		93
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		4
Financing Receivable, Recorded Investment, Past Due		0		4
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		2
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				14,445
Loans and Leases Receivable, Gross		14,758		14,513
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				37
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				31
Financing Receivable, Recorded Investment, Past Due		112		68
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				4
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,430		11,378
Loans and Leases Receivable, Gross		11,478		11,427
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		22		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26		26
Financing Receivable, Recorded Investment, Past Due		48		49
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1		2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		23
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				179
Loans and Leases Receivable, Gross		175		180
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		1		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Consumer Portfolio Segment [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		174
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				8,924
Loans and Leases Receivable, Gross		9,187		8,939
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				11
Financing Receivable, Recorded Investment, Past Due		23		15
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				1
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				2,185
Loans and Leases Receivable, Gross		2,343		2,186
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		10		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		2,333
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		9
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				325
Loans and Leases Receivable, Gross		312		327
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				1
Financing Receivable, Recorded Investment, Past Due		1		2
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				7,621
Loans and Leases Receivable, Gross		7,754		7,661
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				17
Financing Receivable, Recorded Investment, Past Due		52		40
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				3
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				1,661
Loans and Leases Receivable, Gross		1,774		1,661
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		0		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,497		11,109
Loans and Leases Receivable, Gross		11,530		11,125
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		26		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		7		11
Financing Receivable, Recorded Investment, Past Due		33		16
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		26
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				2,927
Loans and Leases Receivable, Gross		2,884		2,937
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				6
Financing Receivable, Recorded Investment, Past Due		9		10
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		24,433		24,052
Loans and Leases Receivable, Gross		24,598		24,162
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		119		61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		46		49
Financing Receivable, Recorded Investment, Past Due		165		110
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5		7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	90		96
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				7,143
Loans and Leases Receivable, Gross		7,294		7,176
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				15
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				18
Financing Receivable, Recorded Investment, Past Due		34		33
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current				642
Loans and Leases Receivable, Gross		636		643
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due				1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due				0
Financing Receivable, Recorded Investment, Past Due		$ 0		1
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing				$ 0

[1] 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

XML

Loans And Allowance For Credit Losses (Summary Of Information On Impaired Loans) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	$ 275		$ 310
Impaired Financing Receivable, Recorded Investment	238		261
Impaired Financing Receivable, Related Allowance	8		8
Average recorded investment	250	$ 379
Interest income recognized	1	8
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	99		112
Impaired Financing Receivable, Recorded Investment	79
Impaired Financing Receivable, Related Allowance	5		4
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	56		67
Impaired Financing Receivable, Recorded Investment	53		60
Impaired Financing Receivable, Related Allowance	1		2
Average recorded investment	60	91
Interest income recognized	0	8
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	1		1
Impaired Financing Receivable, Recorded Investment	1		1
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	1	1
Interest income recognized	0	0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	156		180
Impaired Financing Receivable, Recorded Investment	133		149
Impaired Financing Receivable, Related Allowance	6		6
Average recorded investment	144	240
Interest income recognized	1	8
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			0
Average recorded investment	0	5
Interest income recognized	0	0
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	39		44
Impaired Financing Receivable, Recorded Investment	35		40
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	35	57
Interest income recognized	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	39		45
Impaired Financing Receivable, Recorded Investment	35		40
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	35	62
Interest income recognized	0	0
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	15		15
Impaired Financing Receivable, Recorded Investment	15		14
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	14	20
Interest income recognized	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	0		0
Impaired Financing Receivable, Recorded Investment	0		0
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	0	0
Interest income recognized	0	0
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	63		69
Impaired Financing Receivable, Recorded Investment	53		57
Impaired Financing Receivable, Related Allowance	2		2
Average recorded investment	55	55
Interest income recognized	0	0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	2		1
Impaired Financing Receivable, Recorded Investment	2		1
Impaired Financing Receivable, Related Allowance	0		0
Average recorded investment	2	2
Interest income recognized	0	0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	80		85
Impaired Financing Receivable, Recorded Investment	70		72
Impaired Financing Receivable, Related Allowance	2		2
Average recorded investment	71	77
Interest income recognized	0	0
Impaired Financing Receivable Related Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	85		95
Impaired Financing Receivable Related Allowance [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	44		36
Impaired Financing Receivable Related Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			29
Impaired Financing Receivable Related Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			0
Impaired Financing Receivable Related Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	55		65
Impaired Financing Receivable Related Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			3
Impaired Financing Receivable Related Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	2		3
Impaired Financing Receivable Related Allowance [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			2
Impaired Financing Receivable Related Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			0
Impaired Financing Receivable Related Allowance [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			25
Impaired Financing Receivable Related Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			0
Impaired Financing Receivable Related Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	28		27
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	153		166
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	35		52
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	42		31
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	1		1
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	78		84
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	33		37
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	33		37
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	12		12
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	0		0
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	30		32
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	0		1
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	42		45
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment			$ 88
Average recorded investment	83
Interest income recognized	$ 1
Commercial and Industrial Sector [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Average recorded investment		148
Interest income recognized		$ 0

XML

Loans And Allowance For Credit Losses (Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type) (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019		Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 5		$ 2
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		2
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Recorded investment resulting from the following modification types		98			$ 112
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Recorded investment resulting from the following modification types		26			28
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Recorded investment resulting from the following modification types		15			21
Accruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Recorded investment resulting from the following modification types		41			49
Accruing [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Recorded investment resulting from the following modification types		9			11
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0
Recorded investment resulting from the following modification types		9			11
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		35			39
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		48			52
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		12			12
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		8			8
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					3
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		6			5
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					2
Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			2
Accruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		10			11
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					2
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		5			6
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					2
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3			3
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		15			14
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Accruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		15			14
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Accruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					1
Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	18			18
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					2
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	17			17
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	0			0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	1			1
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	45			59
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					14
Accruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	13			21
Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					6
Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	5			6
Accruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	27			32
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5		2
Recorded investment resulting from the following modification types		174			202
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Recorded investment resulting from the following modification types		32			45
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Recorded investment resulting from the following modification types		13			14
Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		2
Recorded investment resulting from the following modification types		46			60
Nonaccruing [Member] | Construction and Land Development [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment				0
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		$ 0
Recorded investment resulting from the following modification types		20			20
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2
Recorded investment resulting from the following modification types		20			20
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		9			9
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		10			10
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		76			90
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		18			18
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					6
Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		7			7
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					3
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3			3
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		10			10
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		14			17
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			6
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			6
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		17			16
Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Principal Forgiveness [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		5			6
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					1
Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			2
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					2
Nonaccruing [Member] | Payment Deferral [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3			4
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	25			45
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]				2
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3			12
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]				14
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3			14
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	1			1
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	7			27
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	95			100
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]				5
Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types					1
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	31			33
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]				1
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	12			1
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	7			7
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	50			41
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Interest Rate Below Market [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			4
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			2
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			0
Accruing [Member] | Accruing [Member] | Maturity Or Team Extension [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		6			6
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		9			8
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		14	[1]		15
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	0
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	0
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1	[1]		1
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0	[1]		0
Accruing [Member] | Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0	[1]		0
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		6	[2]		7
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	7
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	0
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	5
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		25	[2]		28
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0	[2]		1
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2	[2]		3
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		6
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		3
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Interest Rate Below Market [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			6
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Maturity Or Team Extension [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	2			10
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	1
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	3
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	1			1
Nonaccruing [Member] | Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[1]	0			0
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	24			27
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	6
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	12
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	7			7
Nonaccruing [Member] | Nonaccruing [Member] | Multiple Modification Types [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	$ 0			$ 0

[1] 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] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

XML

Loans And Allowance For Credit Losses (Summary Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$ 5	$ 2
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	3	2
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	2	0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	2	0
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	5	2
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	1
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	3	2
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	2	0
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	2
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	$ 0
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$ 0

XML

Loans And Allowance For Credit Losses (Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings) (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019		Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 5		$ 2
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Financing Receivable, Modifications, Recorded Investment		98			$ 112
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		5		2
Financing Receivable, Modifications, Recorded Investment		174			202
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Financing Receivable, Modifications, Recorded Investment		26			28
Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		1
Financing Receivable, Modifications, Recorded Investment		32			45
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Financing Receivable, Modifications, Recorded Investment		15			21
Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		1
Financing Receivable, Modifications, Recorded Investment		13			14
Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		2
Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Financing Receivable, Modifications, Recorded Investment		41			49
Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		2
Financing Receivable, Modifications, Recorded Investment		46			60
Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
Financing Receivable, Modifications, Recorded Investment		9			11
Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		0
Financing Receivable, Modifications, Recorded Investment		20			20
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2		$ 0
Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0
Financing Receivable, Modifications, Recorded Investment		9			11
Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		2
Financing Receivable, Modifications, Recorded Investment		20			20
Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		12			12
Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		35			39
One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			9
Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			10
Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		48			52
Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		76			90
Interest Rate Below Market [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		8			8
Interest Rate Below Market [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		18			18
Interest Rate Below Market [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					3
Interest Rate Below Market [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					6
Interest Rate Below Market [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Interest Rate Below Market [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			5
Interest Rate Below Market [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7			7
Interest Rate Below Market [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Interest Rate Below Market [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Interest Rate Below Market [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					3
Interest Rate Below Market [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			2
Interest Rate Below Market [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			3
Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Interest Rate Below Market [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Interest Rate Below Market [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			10
Maturity Or Team Extension [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			11
Maturity Or Team Extension [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		14			17
Maturity Or Team Extension [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Maturity Or Team Extension [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		5			6
Maturity Or Team Extension [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			6
Maturity Or Team Extension [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Maturity Or Team Extension [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Maturity Or Team Extension [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Maturity Or Team Extension [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Maturity Or Team Extension [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Maturity Or Team Extension [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			3
Maturity Or Team Extension [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			6
Principal Forgiveness [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			14
Principal Forgiveness [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		17			16
Principal Forgiveness [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Principal Forgiveness [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Principal Forgiveness [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Principal Forgiveness [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			14
Principal Forgiveness [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Payment Deferral [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Payment Deferral [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		5			6
Payment Deferral [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Payment Deferral [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			2
Payment Deferral [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Payment Deferral [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Payment Deferral [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Payment Deferral [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Payment Deferral [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Payment Deferral [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Payment Deferral [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			4
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	18			18
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	25			45
Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					2
Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]				2
Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	17			17
Other Recorded Investment Resulting From Following Modification [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3			12
Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Other Recorded Investment Resulting From Following Modification [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]				14
Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	0			0
Other Recorded Investment Resulting From Following Modification [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3			14
Other Recorded Investment Resulting From Following Modification [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	1			1
Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	1			1
Other Recorded Investment Resulting From Following Modification [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	7			27
Multiple Modification Types [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	45			59
Multiple Modification Types [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	95			100
Multiple Modification Types [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					14
Multiple Modification Types [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]				5
Multiple Modification Types [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					1
Multiple Modification Types [Member] | Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	13			21
Multiple Modification Types [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	31			33
Multiple Modification Types [Member] | Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					0
Multiple Modification Types [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment					6
Multiple Modification Types [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]				1
Multiple Modification Types [Member] | Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	5			6
Multiple Modification Types [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	12			1
Multiple Modification Types [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7			7
Multiple Modification Types [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	27			32
Multiple Modification Types [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	50			41
Nonaccruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6
Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3
Nonaccruing [Member] | Interest Rate Below Market [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			6
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Principal Forgiveness [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Principal Forgiveness [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2
Nonaccruing [Member] | Payment Deferral [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	2			10
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	1
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	0			0
Nonaccruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	1			1
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	24			27
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	6
Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	12
Nonaccruing [Member] | Multiple Modification Types [Member] | Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	0			0
Nonaccruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7			7
Accruing [Member] | Interest Rate Below Market [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4
Accruing [Member] | Interest Rate Below Market [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Accruing [Member] | Interest Rate Below Market [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Interest Rate Below Market [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Accruing [Member] | Interest Rate Below Market [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			4
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Accruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2
Accruing [Member] | Maturity Or Team Extension [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Accruing [Member] | Maturity Or Team Extension [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			2
Accruing [Member] | Maturity Or Team Extension [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			0
Accruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Principal Forgiveness [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Principal Forgiveness [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Principal Forgiveness [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			8
Accruing [Member] | Principal Forgiveness [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			6
Accruing [Member] | Principal Forgiveness [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Payment Deferral [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Payment Deferral [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1
Accruing [Member] | Payment Deferral [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Accruing [Member] | Payment Deferral [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		14	[1]		15
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	3
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0	[1]		0
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1	[1]		1
Accruing [Member] | Other Recorded Investment Resulting From Following Modification [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0	[1]		0
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6	[2]		7
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7
Accruing [Member] | Multiple Modification Types [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0
Accruing [Member] | Multiple Modification Types [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	5
Accruing [Member] | Multiple Modification Types [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2	[2]		3
Accruing [Member] | Multiple Modification Types [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		25	[2]		28
Accruing [Member] | Multiple Modification Types [Member] | Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 0	[2]		$ 1

[1] 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] 2 Includes TDRs that resulted from a combination of any of the previous modification types.

XML

Loans And Allowance For Credit Losses (Schedule Of Outstanding Balances Of All Required Payments And The Related Carrying Amounts For PCI Loans) (Details) - USD ($) $ in Millions		Mar. 31, 2019	Dec. 31, 2018
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		$ 246	$ 175
Financing Receivable, Recorded Investment, Current		47,360	46,539
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		167	89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		79	86
Loans and Leases Receivable, Gross		47,606	46,714
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		8	10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	138	145
loans held for sale [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		0	4
Financing Receivable, Recorded Investment, Current		69	89
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0	0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0	4
Loans and Leases Receivable, Gross		69	93
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0	2
Commercial And Industrial [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		112	68
Financing Receivable, Recorded Investment, Current			14,445
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			37
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			31
Loans and Leases Receivable, Gross		14,758	14,513
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			4
Finance Leases Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		1	2
Financing Receivable, Recorded Investment, Current			325
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			1
Loans and Leases Receivable, Gross		312	327
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Owner Occupied [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		52	40
Financing Receivable, Recorded Investment, Current			7,621
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			17
Loans and Leases Receivable, Gross		7,754	7,661
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			3
Municipal [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		0	0
Financing Receivable, Recorded Investment, Current			1,661
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			0
Loans and Leases Receivable, Gross		1,774	1,661
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Commercial Loan [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		165	110
Financing Receivable, Recorded Investment, Current		24,433	24,052
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		119	61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		46	49
Loans and Leases Receivable, Gross		24,598	24,162
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5	7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	90	96
Commercial Real Estate Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		10	1
Financing Receivable, Recorded Investment, Current			2,185
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			0
Loans and Leases Receivable, Gross		2,343	2,186
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Term [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		23	15
Financing Receivable, Recorded Investment, Current			8,924
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			11
Loans and Leases Receivable, Gross		9,187	8,939
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			1
Commercial Real Estate [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		33	16
Financing Receivable, Recorded Investment, Current		11,497	11,109
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		26	5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		7	11
Loans and Leases Receivable, Gross		11,530	11,125
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2	1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24	26
Home Equity Line of Credit [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		9	10
Financing Receivable, Recorded Investment, Current			2,927
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			4
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			6
Loans and Leases Receivable, Gross		2,884	2,937
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
One Through Four Family Residential [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		34	33
Financing Receivable, Recorded Investment, Current			7,143
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			15
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			18
Loans and Leases Receivable, Gross		7,294	7,176
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Construction And Other Consumer Real Estate [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		0	1
Financing Receivable, Recorded Investment, Current			642
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			0
Loans and Leases Receivable, Gross		636	643
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Revolving Credit Facility [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		4	4
Financing Receivable, Recorded Investment, Current			487
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			2
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			2
Loans and Leases Receivable, Gross		489	491
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			2
Consumer Portfolio Segment [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		1	1
Financing Receivable, Recorded Investment, Current			179
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due			1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due			0
Loans and Leases Receivable, Gross		175	180
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing			0
Consumer Loan [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Financing Receivable, Recorded Investment, Past Due		48	49
Financing Receivable, Recorded Investment, Current		11,430	11,378
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		22	23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26	26
Loans and Leases Receivable, Gross		11,478	11,427
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		1	2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 24	$ 23

[1] 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.

XML

Derivative Instruments And Hedging Activities (Narrative) (Details) - USD ($) $ in Millions		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Derivative [Line Items]
Derivative Instruments, Gain Reclassified from Accumulated OCI into Income, Effective Portion		$ (7)
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax		11	$ (5)
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		2	0
Fair values of derivative assets reduced (increased) by net credit valuation adjustments		6	1
Total derivatives, Notional amount		$ 12,224		$ 7,481
Derivative, Floor Interest Rate		1.50%
Derivative, Average Remaining Maturity		2 years 8 months 4 days
Derivative, Average Fixed Interest Rate 2.08%		2.08%
Senior Notes		$ 1,141		637
Derivative, Cost of Hedge		7
Floors Purchased as Hedging Instruments		$ 9
Derivative, Fixed Interest Rate		3.35%
Derivative, Fixed Interest Rate 3.5%		3.50%
Derivative, Average Fixed Interest Rate		3.43%
Derivative, Notional Amount Commercial Loans		$ 1,300		700
Derivative Asset, Notional Amount		150
Cash collateral pledged for derivative liabilities		50
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch		1
Derivative Instrument, Noninterest Income (Expense)		8	10
Derivatives Designated As Hedging Instrument Offset To Interest Expense		0	0
Derivative Credit Risk Valuation Adjustment, Derivative Liabilities		1	1
Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax		11	(5)
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net		2	0
Total derivatives, Notional amount		5,338		1,187
Derivatives Designated As Hedging Instrument Offset To Interest Expense		0	0
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		6,886		6,294
Derivative Instrument, Noninterest Income (Expense)		8	10
Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount		1,000		500
Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax		8
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	[1]	2
Total derivatives, Notional amount		1,338		687
Interest Rate Swap [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		449		253
Derivative Instrument, Noninterest Income (Expense)		0	(2)
Interest Rate Swaps For Customers [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,035		2,826
Derivative Instrument, Noninterest Income (Expense)		(41)	45
Foreign Exchange [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		367		389
Derivative Instrument, Noninterest Income (Expense)		5	$ 5
Other Liabilities [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		25		39
Other Liabilities [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		0		0
Other Liabilities [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		25		39
Other Liabilities [Member] | Derivative Financial Instruments, Liabilities [Member]
Derivative [Line Items]
Gross amounts recognized		25		39
Other Liabilities [Member] | Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		0		0
Other Liabilities [Member] | Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		0		0
Other Liabilities [Member] | Interest Rate Swap [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		1		1
Other Liabilities [Member] | Interest Rate Swaps For Customers [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		22		36
Other Liabilities [Member] | Foreign Exchange [Member] | Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative Liability, Fair Value, Gross Liability		2		$ 2
Senior Notes [Member]
Derivative [Line Items]
Senior Notes		$ 500

[1] Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following March 31, 2019, we estimate that $(7) million will be reclassified from AOCI into interest income

XML

Derivative Instruments And Hedging Activities (Schedule Of Notional Amounts And Recorded Gross Fair Values And Related Gain (Loss) Of Derivative Instruments) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Derivative [Line Items]
Long-term Debt		$ 1,228,000		$ 724,000
Interest Rate Derivatives, at Fair Value, Net		$ 0	$ 0
Types of Items Hedged by Interest Rate Derivatives		6000000	0
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge		$ (6,000)	$ 0
Total derivatives, Notional amount		12,224,000		7,481,000
Amount of derivative gain (loss), recognized in OCI		11,000	(5,000)
Amount of derivative gain (loss), Reclassified from AOCI to interest income		2,000	0
Derivatives instruments, Noninterest income (expense)		8,000	10,000
Derivatives designated as hedging instruments, Offset to interest expense		0	0
Long-term Debt [Member]
Derivative [Line Items]
Hedged Liability, Fair Value Hedge		(1,010,000)		(505,000)
Hedged Liability, Fair Value Hedge, Cumulative Increase (Decrease)		(10,000)		(5,000)
Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		82,000		45,000
Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		25,000		39,000
Derivatives Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		5,338,000		1,187,000
Amount of derivative gain (loss), recognized in OCI		11,000	(5,000)
Amount of derivative gain (loss), Reclassified from AOCI to interest income		2,000	0
Derivatives designated as hedging instruments, Offset to interest expense		0	0
Derivatives Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		9,000		0
Derivatives Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Floor [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,000,000		0
Amount of derivative gain (loss), recognized in OCI		3,000	(5,000)
Amount of derivative gain (loss), Reclassified from AOCI to interest income		0	0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Floor [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		9,000		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Floor [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount		1,338,000		687,000
Amount of derivative gain (loss), recognized in OCI		8,000
Amount of derivative gain (loss), Reclassified from AOCI to interest income	[1]	2,000
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Total derivatives, Notional amount		1,000,000		500,000
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		0		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Assets [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		0		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		0
Derivatives Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Liabilities [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		0
Derivatives Designated As Hedging Instruments [Member] | Terminated Swaps On Long Term Debt [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives designated as hedging instruments, Offset to interest expense		0	0
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Total derivatives, Notional amount		6,886,000		6,294,000
Derivatives instruments, Noninterest income (expense)		8,000	10,000
Derivatives Not Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		73,000		45,000
Derivatives Not Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		25,000		39,000
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Total derivatives, Notional amount		367,000		389,000
Derivatives instruments, Noninterest income (expense)		5,000	5,000
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		3,000		4,000
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		2,000		2,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member]
Derivative [Line Items]
Total derivatives, Notional amount		449,000		253,000
Derivatives instruments, Noninterest income (expense)		0	(2,000)
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		1,000		1,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		1,000		1,000
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,035,000		2,826,000
Derivatives instruments, Noninterest income (expense)		44,000	(38,000)
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		0		0
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		0		0
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Total derivatives, Notional amount		3,035,000		2,826,000
Derivatives instruments, Noninterest income (expense)		(41,000)	$ 45,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Assets [Member]
Derivative [Line Items]
Derivatives hedging instruments, assets		69,000		40,000
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities		$ 22,000		$ 36,000

[1] Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following March 31, 2019, we estimate that $(7) million will be reclassified from AOCI into interest income

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Leases Leases (Narrivate) (Details $ in Millions	3 Months Ended
	Mar. 31, 2019 USD ($) Branches	Mar. 31, 2018 USD ($)
Leases (Narrivate) (Details) [Abstract]
Sales-type and Direct Financing Leases, Lease Receivable	$ 312	$ 371
Operating Lease, Lease Income	$ 2	3
Number of Branches | Branches	433
Number of Branches Owned | Branches	276
Number of Branches Leased | Branches	157
Operating Lease, Right-of-Use Asset	$ 244
Finance Lease, Right-of-Use Asset	1
Sales-type and Direct Financing Leases, Profit (Loss)	$ 4	$ 3

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Leases Lease-related Assets and Weighted Average Life and Discount Rate (Details) $ in Millions	Mar. 31, 2019 USD ($)
Lease-related Assets [Abstract]
Operating Lease, Right-of-Use Asset	$ 244
Operating Lease, Liability	$ 252
Operating Lease, Weighted Average Remaining Lease Term	9 years 4 months 24 days
Finance Lease, Weighted Average Remaining Lease Term	1 year 1 month 7 days
Operating Lease, Weighted Average Discount Rate, Percent	3.20%
Finance Lease, Weighted Average Discount Rate, Percent	13.10%

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Leases Lease Cost (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019 USD ($)
Leases cost [Abstract]
Operating Lease, Cost	$ 12
Variable Lease, Cost	13
Lease, Cost	$ 25

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Leases Leases, Supplemental Cash Flow (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019 USD ($)
Leases, Supplement Cash Flow [Abstract]
Operating Cash Disbursement From Operating Leases	$ 10

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Leases Lease Maturity Schedule (Details) $ in Millions	Mar. 31, 2019 USD ($)
Lease Maturity Schedule [Abstract]
Lease Liabilities, Maturity One Year	$ 41
Liabilities	45
Lease Liabilities, Maturity Year Three	39
Lease Liabilities, Maturity Year Four	35
Lease Liabilities, Maturity Year Five	31
Lease Liabilities, Maturity Year Thereafter	114
Lease Liabilities, Maturity	$ 305

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Leases Operating Lease Maturity (Details) $ in Millions	Mar. 31, 2019 USD ($)
Operation Lease Maturities [Abstract]
Lessor, Operating Lease, Payments to be Received, Remainder of Fiscal Year	$ 6
Lessor, Operating Lease, Payments to be Received	61
Operating Lease Maturities, Year Two	8
Operating Lease Maturities, Year Three	8
Operating Lease Maturities, Year Four	7
Operating Lease Maturities, Year Five	7
Lessor, Operating Lease, Payments to be Received, Thereafter	$ 25

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Debt And Shareholders' Equity (Narrative) (Details) - USD ($)
$ / shares in Units, $ in Millions

3 Months Ended

Mar. 31, 2019

Mar. 31, 2019

Mar. 31, 2018

Apr. 30, 2019

Dec. 31, 2018

Dec. 31, 2017

Debt And Shareholders' Equity [Line Items]

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In millions)	March 31, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,141		637
Total	$	1,228	$	724

Subordinated Debt

$ 87

$ 87

$ 87

Other Comprehensive Income (Loss), before Reclassifications, Net of Tax

127

$ (128)

Stockholders' Equity [Abstract]

Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax

(1)

$ 0

Senior Notes

$ 1,141

$ 1,141

637

Debt Instrument, Interest Rate Terms

0.0335

Entity Common Stock, Shares Outstanding

182,512,940

182,512,940

182,565,329

Common Stock, Par or Stated Value Per Share

$ 0.0010

$ 0.0010

Common Stock

$ 0

$ 0

0

Long-term Debt, Gross

1,228

$ 1,228

724

Stock Repurchased During Period, Shares

5,500,000

2,200,000

Stock Repurchased and Retired During Period, Value

$ 275

$ 115

Treasury Stock Acquired, Average Cost Per Share

$ 50.03

$ 53.46

Stock Repurchase Program, Remaining Authorized Repurchase Amount

$ 275

$ 275

Common Stock, Terms of Conversion

1060000

Accumulated Other Comprehensive Income (Loss), Net of Tax

$ (122)

$ (122)

$ (267)

$ (250)

$ (139)

Warrant [Member]

Stockholders' Equity [Abstract]

Class of Warrant or Right, Outstanding

29,300,000

29,300,000

Warrant Exercise Price

$ 34.61

$ 34.61

Senior Notes [Member]

Stockholders' Equity [Abstract]

Senior Notes

$ 500

$ 500

XML

Debt And Shareholders' Equity Schedule of Long-Term Debt Instruments (Details) - USD ($)
$ in Millions

3 Months Ended

Mar. 31, 2019

Dec. 31, 2018

Debt Instrument [Line Items]

Subordinated Debt

$ 87

$ 87

Senior Notes

1,141

637

Long-term Debt, Gross

$ 1,228

$ 724

Schedule of Long-term Debt Instruments [Table Text Block]

Long-term debt is summarized as follows:

(In millions)	March 31, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,141		637
Total	$	1,228	$	724

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Debt And Shareholders' Equity (Schedule Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, Tax	$ 40	$ (41)
Income Tax Expense (Benefit)	61	70
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	127	(128)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	1	0
Beginning balance	(250)	(139)
Other comprehensive income (loss)	128	(128)
Ending balance	(122)	(267)
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax	2	(1)
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax	0	0
Other Comprehensive Income (Loss), Tax	42	(42)
Accumulated Net Unrealized Investment Gain (Loss) [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	122	(126)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Beginning balance	(228)	(114)
Other comprehensive income (loss)	122	(126)
Ending balance	(106)	(240)
Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	5	(2)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	1	0
Beginning balance	(1)	(2)
Other comprehensive income (loss)	6	(2)
Ending balance	5	(4)
Accumulated Defined Benefit Plans Adjustment [Member]
Debt And Shareholders' Equity [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Beginning balance	(21)	(23)
Other comprehensive income (loss)	0	0
Ending balance	(21)	(23)
Interest Rate Contract [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]
Debt And Shareholders' Equity [Line Items]
Gain (Loss) on Derivative Instruments, Net, Pretax	(1)	0
Reclassification from AOCI, Current Period, Tax	(1)	0
Income Tax Expense (Benefit)	$ 0	$ 0

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Commitments, Guarantees, And Contingent Liabilities (Narrative) (Details) $ in Millions	Mar. 31, 2019 USD ($)
Guarantor Obligations [Line Items]
Letters of credit, accrued liability	$ 4
Reserve for unfunded lending commitments	1
Deferred commitment fees	3
Minimum [Member]
Guarantor Obligations [Line Items]
Loss Contingency, Estimate of Possible Loss	0
Maximum [Member]
Guarantor Obligations [Line Items]
Loss Contingency, Estimate of Possible Loss	$ 50

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Commitments, Guarantees, And Contingent Liabilities (Schedule Of Guarantees Issued) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unused Commitments to Extend Credit	$ 21,632	$ 21,454
Commercial Letters Of Credit	27	18
Total Unfunded Lending Commitments	22,399	22,326
Financial [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	544	655
Performance [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	196	$ 199
Minimum [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Loss Contingency, Estimate of Possible Loss	0
Maximum [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Loss Contingency, Estimate of Possible Loss	$ 50

XML

Revenue Recognition Revenue Recognitiion Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019 USD ($) States	Mar. 31, 2018 USD ($)
Number of States in which Entity Operates | States	11
Other Service Charges, Commissions and Fees	$ 54	$ 55
Revenue Recognition [Member]
Interest and Fee Income, Loans, Consumer Installment, Credit Card	34	33
ATM Fees	2	2
Other Service Charges	3	4
Other Commissions and Fees	4	5
Other Service Charges, Commissions and Fees	$ 43	$ 44

XML

Revenue Recognition Other Service charges, commissions and fees (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Other Service charges, commissions and fees [Line Items]
Other Service Charges, Commissions and Fees	$ 54	$ 55
Revenue Recognition [Member]
Other Service charges, commissions and fees [Line Items]
Other Service Charges	3	4
Other Service Charges, Commissions and Fees	$ 43	$ 44

XML

Revenue Recognition Revenue by Operation Segments (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	$ 40	$ 42
Noninterest income, Customer-related Fees	120	123
Noninterest Income	132	138
Other Service Charges, Commissions and Fees	54	55
Wealth Management and Trust Income	13	12
Interest Income (Expense), Net	576	542
Zions Bank [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	13	15
Noninterest income, Customer-related Fees	32	34
Other non-interest income (non-customer related)	1	1
Noninterest Income	33	35
Gains (Losses) on Sales of Other Real Estate	1	1
Other Service Charges, Commissions and Fees	17	16
Wealth Management and Trust Income	4	4
Brokerage Commissions Revenue	1	1
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	35	36
Other non-interest income (Non-ASC 606 customer related)	(3)	(2)
Interest Income (Expense), Net	180	167
Revenues	214	203
National Bank Of Arizona [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	3	3
Noninterest income, Customer-related Fees	9	8
Other non-interest income (non-customer related)	1	1
Noninterest Income	10	9
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	3	2
Wealth Management and Trust Income	0	1
Brokerage Commissions Revenue	0	0
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	6	6
Other non-interest income (Non-ASC 606 customer related)	3	2
Interest Income (Expense), Net	60	53
Revenues	70	62
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	4	4
Noninterest income, Customer-related Fees	10	10
Other non-interest income (non-customer related)	0	0
Noninterest Income	10	10
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	3	3
Wealth Management and Trust Income	1	1
Brokerage Commissions Revenue	0	0
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	8	8
Other non-interest income (Non-ASC 606 customer related)	2	2
Interest Income (Expense), Net	40	35
Revenues	50	45
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	2	2
Noninterest income, Customer-related Fees	5	6
Other non-interest income (non-customer related)	1	0
Noninterest Income	6	6
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	2	3
Wealth Management and Trust Income	0	0
Brokerage Commissions Revenue	0	0
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	4	5
Other non-interest income (Non-ASC 606 customer related)	1	1
Interest Income (Expense), Net	36	32
Revenues	42	38
Commerce Bank Of Washington [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	0	0
Noninterest income, Customer-related Fees	1	1
Other non-interest income (non-customer related)	0	0
Noninterest Income	1	1
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	1	1
Wealth Management and Trust Income	0	0
Brokerage Commissions Revenue	0	0
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	1	1
Other non-interest income (Non-ASC 606 customer related)	0	0
Interest Income (Expense), Net	14	11
Revenues	15	12
Other Segment [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	0	1
Noninterest income, Customer-related Fees	8	16
Other non-interest income (non-customer related)	11	8
Noninterest Income	19	24
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	1	6
Wealth Management and Trust Income	4	3
Brokerage Commissions Revenue	2	3
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	7	13
Other non-interest income (Non-ASC 606 customer related)	1	3
Interest Income (Expense), Net	(23)	(14)
Revenues	(4)	10
Amegy Corporation [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	11	10
Noninterest income, Customer-related Fees	35	30
Other non-interest income (non-customer related)	(1)	2
Noninterest Income	34	32
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	9	8
Wealth Management and Trust Income	3	2
Brokerage Commissions Revenue	(1)	(2)
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	22	18
Other non-interest income (Non-ASC 606 customer related)	13	12
Interest Income (Expense), Net	131	127
Revenues	165	159
California Bank Trust [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	7	7
Noninterest income, Customer-related Fees	20	18
Other non-interest income (non-customer related)	(1)	3
Noninterest Income	19	21
Gains (Losses) on Sales of Other Real Estate	0	0
Other Service Charges, Commissions and Fees	7	5
Wealth Management and Trust Income	1	1
Brokerage Commissions Revenue	1	1
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	16	14
Other non-interest income (Non-ASC 606 customer related)	4	4
Interest Income (Expense), Net	138	131
Revenues	157	152
Consolidated Entities [Member]
Segment Reporting Information [Line Items]
Service Charges and Fees on Deposit Accounts	40	42
Noninterest income, Customer-related Fees	120	123
Other non-interest income (non-customer related)	12	15
Noninterest Income	132	138
Gains (Losses) on Sales of Other Real Estate	1	1
Other Service Charges, Commissions and Fees	43	44
Wealth Management and Trust Income	13	12
Brokerage Commissions Revenue	3	3
Other Noninterest Income From Contracts With Customers	0	0
Total non-interest income from contracts with customers (ASC 606)	99	101
Other non-interest income (Non-ASC 606 customer related)	21	22
Interest Income (Expense), Net	576	542
Revenues	$ 709	$ 681

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Retirement Plans (Schedule Of Net Periodic Benefit Cost (Credit) For Pension And Postretirement Plans) (Details) - Pension Plan [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 1	$ 1
Expected return on plan assets	(2)	(3)
Amortization of net actuarial (gain) loss	1	0
Net periodic benefit cost (credit)	0	(1)
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement	$ 0	$ 1

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Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Income Tax Contingency [Line Items]
Effective Income Tax Rate Reconciliation, Percent	22.30%	22.70%
Deferred Tax Assets, Net	$ 73		$ 130

XML

Net Earnings per Common Share Basic and diluted net earnings per common share based on the weighted average outstanding shares (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$ 213	$ 238
Dividends	64	47
Undistributed Earnings, Basic	149	191
Undistributed Earnings Applicable to Nonvested Shares	1	1
Undistributed Earnings (Loss) Available to Common Shareholders, Diluted	148	190
Distributed Earnings	$ 56	$ 39
Weighted Average Number of Shares Outstanding, Basic	184,767	196,722
Dilutive Effect of Common Stock Warrants	9,739	12,382
Dilutive Effect of Stock Options	735	1,139
Earnings Per Share, Basic	$ 1.10	$ 1.16
Net Income (Loss) Available to Common Stockholders, Diluted	$ 204	$ 229
Weighted Average Number of Shares Outstanding, Diluted	195,241	210,243
Earnings Per Share, Diluted	$ 1.04	$ 1.09

XML

Net Earnings per Common Share Weighted average shares of stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share (Details) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,423	1,757

XML

Operating Segment Information (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019 USD ($) Branches	Mar. 31, 2018 USD ($)	Dec. 31, 2018 USD ($)
Segment Reporting Information [Line Items]
Number of community regional banks operating in distinct geographical areas	7
Interest Income (Expense), Net	$ 576	$ 542
Provision for Loan and Lease Losses	2	(40)
Interest Income (Expense), after Provision for Loan Loss	572	589
Noninterest Income, Other Operating Income	2	4
Noninterest Expense	430	419
Income (Loss) from Continuing Operations before Income Taxes, Domestic	$ 274	308
Number of Branches | Branches	433
Investment Securities Gross Unrealized Losses Less Than 12 Months	$ 15		$ 40
Investment Securities Estimated Fair Value Less Than 12 Months	1,256		2,858
Investment Securities Gross Unrealized Losses 12 Months or More	187		297
Investment Securities Estimated Fair Value 12 Months or More	9,576		9,375
Investment Securities Gross Unrealized Losses Total	202		337
Investment Securities Estimated Fair Value Total	10,832		12,233
Zions Bank [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	180	167
Provision for Loan and Lease Losses	11	(2)
Interest Income (Expense), after Provision for Loan Loss	169	169
Noninterest Income, Other Operating Income	33	35
Noninterest Expense	118	113
Income (Loss) from Continuing Operations before Income Taxes, Domestic	84	91
Average Loans And Leases	12,939	12,453
Average Deposits	15,524	15,712
Amegy Corporation [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	131	127
Provision for Loan and Lease Losses	(15)	(53)
Interest Income (Expense), after Provision for Loan Loss	146	180
Noninterest Income, Other Operating Income	34	32
Noninterest Expense	88	87
Income (Loss) from Continuing Operations before Income Taxes, Domestic	92	125
Average Loans And Leases	11,861	11,370
Average Deposits	11,441	10,816
National Bank Of Arizona [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	60	53
Provision for Loan and Lease Losses	3	2
Interest Income (Expense), after Provision for Loan Loss	57	51
Noninterest Income, Other Operating Income	10	9
Noninterest Expense	39	38
Income (Loss) from Continuing Operations before Income Taxes, Domestic	28	22
Average Loans And Leases	4,749	4,543
Average Deposits	4,894	4,783
Zions Bank [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	14	11
Provision for Loan and Lease Losses	0	1
Interest Income (Expense), after Provision for Loan Loss	14	10
Noninterest Income, Other Operating Income	1	1
Noninterest Expense	6	6
Income (Loss) from Continuing Operations before Income Taxes, Domestic	9	5
Average Loans And Leases	1,110	1,084
Average Deposits	1,075	1,073
California Bank Trust [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	138	131
Provision for Loan and Lease Losses	3	2
Interest Income (Expense), after Provision for Loan Loss	135	129
Noninterest Income, Other Operating Income	19	21
Noninterest Expense	82	77
Income (Loss) from Continuing Operations before Income Taxes, Domestic	72	73
Average Loans And Leases	10,574	9,929
Average Deposits	11,243	11,119
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	40	35
Provision for Loan and Lease Losses	(1)	0
Interest Income (Expense), after Provision for Loan Loss	41	35
Noninterest Income, Other Operating Income	10	10
Noninterest Expense	36	36
Income (Loss) from Continuing Operations before Income Taxes, Domestic	15	9
Average Loans And Leases	2,500	2,348
Average Deposits	4,329	4,223
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	36	32
Provision for Loan and Lease Losses	4	3
Interest Income (Expense), after Provision for Loan Loss	32	29
Noninterest Income, Other Operating Income	6	6
Noninterest Expense	28	27
Income (Loss) from Continuing Operations before Income Taxes, Domestic	10	8
Average Loans And Leases	3,055	2,794
Average Deposits	2,821	2,711
Other Segment [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	(23)	(14)
Provision for Loan and Lease Losses	(1)	0
Interest Income (Expense), after Provision for Loan Loss	(22)	(14)
Noninterest Income, Other Operating Income	19	24
Noninterest Expense	33	35
Income (Loss) from Continuing Operations before Income Taxes, Domestic	(36)	(25)
Average Loans And Leases	383	343
Average Deposits	$ 2,589	1,557
ARIZONA | National Bank Of Arizona [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	58
NEVADA | Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	50
Utah [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	98
Idaho [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	23
WYOMING | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1
Colorado [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	36
New Mexico [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1
WASHINGTON | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1
OREGON | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1
TEXAS | Amegy Corporation [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	74
CALIFORNIA | California Bank And Trust [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	90
Consolidated Entities [Member]
Segment Reporting Information [Line Items]
Interest Income (Expense), Net	$ 576	542
Provision for Loan and Lease Losses	4	(47)
Interest Income (Expense), after Provision for Loan Loss	572	589
Noninterest Income, Other Operating Income	132	138
Noninterest Expense	430	419
Income (Loss) from Continuing Operations before Income Taxes, Domestic	274	308
Average Loans And Leases	47,171	44,864
Average Deposits	53,916	$ 51,994
Available-for-sale Securities [Member]
Segment Reporting Information [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	15		39
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	1,232		2,772
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	181		287
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	9,161		8,937
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	196		326
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	10,393		11,709
Agency Securities [Member]
Segment Reporting Information [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	46		245
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	11		17
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	994		913
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	11		19
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	1,040		1,158
Agency Guaranteed Mortgage Backed Securities [Member]
Segment Reporting Information [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2		16
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	270		1,081
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	134		224
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,799		6,661
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	136		240
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	7,069		7,742
Small Business Administration Loan Backed Securities [Member]
Segment Reporting Information [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	13		19
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	876		1,180
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	30		28
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	898		711
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	43		47
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	1,774		1,891
US States and Political Subdivisions Debt Securities [Member]
Segment Reporting Information [Line Items]
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value	439		524
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	6		10
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		1
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	24		86
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	415		438
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	6		11
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	40		266
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	3		14
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	458		641
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	3		16
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	498		907
Available-for-sale, Unrealized losses, Other [Member]
Segment Reporting Information [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0		0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	3		4
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	12		11
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	3		4
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$ 12		$ 11